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How Long Do Credit Card Companies Keep Original Credit Application
Author: 9855donna
Posted: Sat Jul 29, 2006 4:40 am
Post subject: How long do CC companies keep your original application?? Do CC companies keep a copy of your original Credit card application on file? Is so,for how long? Anybody out there know?? Thanks for any info.
Author: ALex
Posted: Sat Jul 29, 2006 3:51 pm
Post subject: Re: How long do CC companies keep your original application? 9855donna wrote: Do CC companies keep a copy of your original Credit card application on file? Is so,for how long? Anybody out there know?? Thanks for any info. MBNA( Now BOA) Five years
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Best Introductory Balance Transfer Credit Card
author: mantras
Posted: Thu Jul 27, 2006 1:57 pm
Post subject: Best intro balance transfer card? I'm looking for a new card that should have a 0% apr on the balance transfer and no fees to transfer. Around 12 months for this feature is ideal. I know Citi Simplicity has this, but wondered what other cards may as well. From what I could tell on the other citi 0% balance transfers they included the 3% fee up to $75. I may do this, but I'm looking for alternatives first. I have about $5000 I'd like to transfer at this time. Thanks.
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Author: hesiden
Posted: Thu Jul 27, 2006 3:49 pm
Post subject: Re: Best intro balance transfer card? [quote="mantras"]I'm looking for a new card that should have a 0% apr on the balance transfer and no fees to transfer. Around 12 months for this feature is ideal. I know Citi Simplicity has this, but wondered what other cards may as well. From what I could tell on the other citi 0% balance transfers they included the 3% fee up to $75. I may do this, but I'm looking for alternatives first. I have about $5000 I'd like to transfer at this time. Thanks.[/quote] Pretty much all the Citi cards are 0% no BT fee for 12 months. They all say 3% upto $75, but they also say "waived with this offer".
Author: mantras
Posted: Thu Jul 27, 2006 6:09 pm
Post subject: Best Introductory Balance Transfer Credit Card Oh nice I didn't see the "waived with this offer" part on the other citi cards. Thanks for the heads up. I think I'll try for the Citi Diamond Preferred. I just got the Citi Dividend Platinum Select, but intend to use it as my main purchase card. Good thing Citi is good at combining cards when that time comes:)
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Author: spjoink
Posted: Thu Jul 27, 2006 8:59 pm
Post subject: Best Introductory Balance Transfer Credit Card be careful...they might give you a low limit if you just got another citi card with a high limit...they often want to see how you perform...
Author: Board Monitor
Posted: Fri Jul 28, 2006 8:28 am
Post subject: By the way, you can shop for low intro. offers here: http:// www.cardratings.com/lowratebalancetransfercreditcards.html Good luck and let us know how things turn out! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Best Cash Back Credit Card With Rewards!
Author: wantsacard
Posted: Wed Jul 26, 2006 3:02 pm
Post subject: I'm trying to figure out which "cash back" reward credit card I want. I'd like to be able to contact the different companies, but none list their phone numbers to contact them. I don't want to just apply online without having a couple of questions asked. Any suggestions?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: davej
Posted: Thu Jul 27, 2006 1:56 am
Post subject: Why don't you try the 'contact us' link for each cc company and take the #s from there? The best cash rewards are offered by a handful companies, so that shouldn't take you longer than writing your post...
Author: Board Monitor
Posted: Thu Jul 27, 2006 10:24 am
Post subject: Best Cash Back Credit Card With Rewards! What are you questions? Maybe we can help. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
Author: wantsacard
Posted: Thu Jul 27, 2006 7:24 pm
Post subject: Thanks for info on 800 numbers To DaveJ: Thanks so much for your tip on where to find 800 numbers. I'll go there now and try to find them. I'm trying to decide between American Express Blue Cash or Discover Platinum Rewards card. Any suggestions?
Author: davej
Posted: Fri Jul 28, 2006 3:47 am
Post subject: Are you aware that with Amex Blue Cash you have to charge over $6,500 over the last 12 billing cycles to be cashing in at 5% on groceries, gas, and pharmacies, and 1.5% on everything else? So if you plan to charge a lot, you'll be golden.. Discover also has a tiered system for 1% rewards that start once you've charged over $3K... Then I believe you can get more as you go higher... And there's also their Get More program that gives you 5% right off the bat, so you might want to check that out... Also keep in mind that Discover does two-cycle billing, while Amex does average daily balance method (a preferred APR calculation method), but its APR tends to be higher... The good news is that I believe there's no cap on their cash back money, kind of all-you-can-earn type.
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Tips on Combining Credit Cards With Discover
Author: davensd
Posted: Thu Jul 27, 2006 9:22 pm
Post subject: Why won't Discover combine cards - credit limits Anyone know why discover card is so stingy about not combining credit cards? They give great offers but doesnt make sense not to combine them if both cards are the same offer? Both have a 0% purchase rateDiscover Card with american flag logo - $6250 and Discover card sphere - $8000.00. Why are they like that?
Author: mouse
Posted: Thu Jul 27, 2006 11:25 pm
Post subject: Re: Why won't Discover combine cards - credit limits Quote: "davensd" Anyone know why discover card is so stingy about not combining credit cards? They give great offers but doesnt make sense not to combine them if both cards are the same offer? Both have a 0% purchase rateDiscover Card with american flag logo - $6250 and Discover card sphere - $8000.00. Why are they like that? YOU DIDN'T TALK TO THE RIGHT PERSON or DEPARTMENT??? I have had to call 5 or 6 times to do a 2 into 1 and close 1 with AMEX sometimes
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Combining Visa and Mastercard Credit Cards
Author: AJ
Posted: Thu Jul 27, 2006 6:19 am
Post subject: Combining Cards If you have a MC & V from the same bank, do you think tthey would combined them into 1?
Author: mouse
Posted: Thu Jul 27, 2006 6:59 am
Post subject: Re: Combining Cards Quote: "AJ" If you have a MC & V from the same bank, do you think tthey would combined them into 1? Usually you can combine them into 1 with the total credit on 1 card
Author: Aj
Posted: Thu Jul 27, 2006 10:06 am
Post subject: RE: Combined Cards I Contacted capital one and they will allow me to combine my MC & Visa into one acount giving me a 10k limit. which is good considering it's cap 1
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Imagine Credit Card Review
Author: CAG
Posted: Wed Jul 26, 2006 11:00 am
Post subject: Imagine Card Hi Everyone. I recently saw an add for Imagine mastercard and wondered if anyone has ever had it and if it is a safe care. They deduct payments directly from your checking account. Any advise would be great...thanks
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Author: CAG
Posted: Wed Jul 26, 2006 3:32 pm
Post subject: please help I need some help with this card, anyone heard of it? Imagine Mastercard, Please tell me if a good deal for rebuilding credit or not...thanks
Author: jrjdrayer
Posted: Wed Jul 26, 2006 4:31 pm
Post subject: Imagine Credit Card Review I saw this somewhere on a pop-up recently. I believe they give you an initial line of $ 350.00 and immediately charge a $ 150.00 annual fee, thereby reducing your available to $200.00. Is it really worth it ?
Author: CAG
Posted: Wed Jul 26, 2006 4:34 pm
Post subject: Imagine Credit Card Review I wonder...they also require automatic payments pulled from your checking account...what is the difference between this and other credit cards who charge a big fee like First Premer? At least with this card your intial credit limit is higher then some others....I hope others that may have this card can give me some input or anyone who has researched this company...
Author: TomfromCT
Posted: Wed Jul 26, 2006 8:11 pm
Post subject: [quote="CAG"]I wonder...they also require automatic payments pulled from your checking account...what is the difference between this and other credit cards who charge a big fee like First Premer? At least with this card your intial credit limit is higher then some others....I hope others that may have this card can give me some input or anyone who has researched this company...[/quote] If this kind of card were the only thing I could qualify for....I would not be applying for any cards for a while.
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Credit Cards That Only Pull Transunion
Author: spjoink
Posted: Wed Jul 19, 2006 1:34 am
Post subject: credit card that only checks transunion!! I need a card that only inquire transunion in southern cali... Help would be appreciated!!! Spjoink the Viking
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Author: bullwinkle29
Posted: Wed Jul 19, 2006 10:34 am
Post subject: citi bank in ca pulls transunion. they did on mine and also on my wife
Author: spjoink
Posted: Wed Jul 19, 2006 9:29 pm
Post subject: Credit Cards That Only Pull Transunion they pulled experian on me yesterday ....southern california
Author: gsr
Posted: Thu Jul 20, 2006 1:11 am
Post subject: Credit Cards That Only Pull Transunion ya citi pulled experian for me, but i think wamu providan cards always pull transunion, so does merrick bank, and juniper bank. Not sure but it seems like it.
Author: XeroK00L
Posted: Thu Jul 20, 2006 1:41 pm
Post subject: Darn...applied for 4 Citibank credit cards (2 regular cards and 2 business cards) 2 days ago and ALL of them pulled my Equifax. And I'm in NorCal. They're getting harder to predict these days.
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Credit Card Increase on Minimum Payment
Author: usmsci
Posted: Tue Jul 25, 2006 3:59 pm
Post subject: Which CC's raised their minimum payment?? In January there was talk about CC's raising the minimum payments on balances , doubling them. which CC's actually did this? does someone have a link to verify this? thanks!
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Author: TomfromCT
Posted: Tue Jul 25, 2006 4:35 pm
Post subject: Re: Which CC's raised their minimum payment?? [quote="usmsci"]In January there was talk about CC's raising the minimum payments on balances , doubling them. which CC's actually did this? does someone have a link to verify this? thanks![/quote] I have heard about this but it hasnt happened to me. 1% is about all I am required to pay back on my cards.
Author: mouse
Posted: Tue Jul 25, 2006 8:53 pm
Post subject: Re: Which CC's raised their minimum payment?? Quote: "usmsci" In January there was talk about CC's raising the minimum payments on balances , doubling them. which CC's actually did this? does someone have a link to verify this? thanks! Most of mine are 1% or 2% (+ inrerest) SCARE TACTICS WERE SAYING LIKE 4% or 5% (+ interest)
Author: EasyRhino
Posted: Wed Jul 26, 2006 12:58 am
Post subject: I think I saw a thread on this on fatwallet. for those who saw changes, the minimums were modified to also include previous finance charges and fees. So if you're maxed out and paying fees and exorbitant APR at least there's a better chance a minimum payment will at least reduce your balance slightly. However, for more regular situations, I think 1-2% is still common, with a minimum as low at $10. (saw an app for one little card that had a $50 min)
Author: Evilbunny
Posted: Wed Jul 26, 2006 8:52 am
Post subject: Credit Card Increase on Minimum Payment Chase has implemented the new minimum payment it's 2% OR 1% of your balance plus fees and finance charges, whichever is greater. which means you dont actually see the change unless your apr is high
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Discover Cash Advance Credit Card Tips
Author: georgee
Posted: Tue Jul 25, 2006 6:23 am
Post subject: Discover Cash Advance Has anyone tried going in to a grocery store, like Albertsons, buying a candy bar and then getting $50 over the purchase with DiscoverCard? Does this really count as a grocery purchase, or do you get stuck with a cash advance? The rewards on Discover suck (except for the 'Get More" promotions, but this might be a good way to get cash with no interest (using Discover like a debit card but with none of the risks).
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Tue Jul 25, 2006 7:54 am
Post subject: Re: Discover Cash Advance Quote: "georgee" Has anyone tried going in to a grocery store, like Albertsons, buying a candy bar and then getting $50 over the purchase with DiscoverCard? Does this really count as a grocery purchase, or do you get stuck with a cash advance? The rewards on Discover suck (except for the 'Get More" promotions, but this might be a good way to get cash with no interest (using Discover like a debit card but with none of the risks). The TOTAL purchase price is just increased SAY THE CANDY IS EXACTLY $0.50 (with any tax) YOU PAY $50.50 IT IS NOT A CASH ADVANCE Then since I don't use CASH I just add it to a future deposit at the back
Author: georgee Posted: Tue Jul 25, 2006 7:58 am Post subject: Thanks, Mouse.
Author: mouse
Posted: Tue Jul 25, 2006 8:06 am
Post subject: Discover Cash Advance Credit Card Tips Not that DISCOVER pays off You have to get a "TON" of those $50 CASH BACK before you get 1.00% FYI--WALMART/SAMS 0.25% (never 1.00%)
Author: XeroK00L
Posted: Tue Jul 25, 2006 9:21 am
Post subject: Discover Cash Advance Credit Card Tips I didn't know you can get cash back from a grocery store with a credit card. I always thought you could only do this with a debit card. Or is this only allowed with a Discover card? I'm confused. If they really allow people to take cash back with a credit card, I'm gonna do it every single time. Free rewards. Why not?
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Capital One No Hassel Credit Card Review
Author: nobodyyouknow
Posted: Tue Jul 25, 2006 5:50 pm
Post subject: capital one -- "no hassles"? i applied for their "no hassles cash reward" card solely because they have no foreign currency conversion fee. I'm well aware of all the stuff about them not reporting credit limits, etc. so anyway, the online app doesn't let you specify a generational identifier (Jr, III, IV, etc.). Speaking as someone who has one, i gotta say it's a major deal, & everyone i know who has one feels the same way about it. I like to say, "i'm not xxxxxx. He died in 1982." It's as much a part of my identity as my surname. I once had to apply for a name change at a university because their system wasn't geared to deal with them. I also have a name variation listed on my credit reports with the identifier appended to my surname, because it was the only way a creditor could handle it.. but I will not take a card without it. i got a msg. saying i'd get the card in 7-10 days. Then i called about the name, and the woman told me they couldn't change that before the card got printed... i'll have to wait to get the card and then call & change my name and get a replacement. "No hassle" my *****! and then today i get an automated call from them on my home phone (which nobody has, except i'm sure all these data warehousers) asking me to punch in the last 4 digits of my SSN. I never put down my landline on the app; i put my mobile as my home phone. It's all I use, and i know it's listed on at least a couple of the credit bureaus' records, while my home phone is not listed with anyone. Well, i don't care how convincing a call sounds, any call where any bit of my personal info gets disclosed is going to be initiated by me. So i waited for the # to call and then looked on their website. It was the same... so i called. then i asked them to make sure i was on their most stringent privacy settings, since i was remiss in not reading their privacy policy until after I'd applied. They'll pretty much share your info with anyone who has either a pulse and/or a business license, and that's a lot of sleaze. Theirs seems to be about as liberal as any i've seen. "Oh, we cannot do that until after you have the account info." I wonder if they'll get it on out there in the meantime... i'm on the DNC list, opted out thru the credit bureaus (for not just insurance/CCs, but also direct mail), the DMA's opt-out lists, and am set up with the strictest sharing policies with everyone. I just don't get junk mail or junk calls. Am i going to find myself suddenly getting lots of **** from their 'partners'? i'm beginning to think maybe i should've just applied for a card from a bank with a better rep that only passes on the 1% from Visa/MC....
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Diamond Rewards Preferred Credit Card Review
Author: quiznut1
Posted: Sun Jul 23, 2006 2:02 pm
Post subject: Citi Diamond Preferred Rewards - 2% back for first 12 months Hi everyone, I know this move will raise some eyebrows by some (considering the Fidelity 529 card is already 2% cash back), but I decided to apply for the Citi Diamond Preferred Rewards card under offer code F1G7. Here are the details: Citi Diamond Preferred Rewards (Offer Code F1G7) - 2 Thank You points per dollar on every purchase for 1 year (1 point thereafter) - 0% on Balance Transfers till August 2007, and no balance transfer fee with application (doesn't apply to me, but worth mentioning) - 10,000 bonus points with first purchase, redeemable for $100 gift card (or what they won't tell you, redeemable for two $50 gift cards for 2 different merchants if you like). - Apply via apply.citicards.com, or call 1-800-491-0848 by 9/15/06. The best way to redeem points on this card for me is through gift cards, since the top cash rebate is $250 for 38,000 points (not good at all). I shop at Target often, and Target gift cards are available on the Thank You Network. There are others, such as Best Buy, Circuit City, Shell, Exxon Mobil, Applebees, TGI Fridays, and others. Since 5,000 points equals a $50 gift card, that means spending $2,500 at 2 points per dollar will get you a $50 gift card (2%). Also, I already have the Citi MtvU Visa card, which has Thank You points. As a result, I found out that should I get this Diamond card, I can use combine both card's Thank You point balance into one bucket basically, and get the rewards quicker. Bottom Line: I applied for this card since Bank Of America phased out the Power Rewards 1.5% and 2% cash back options. I fully expect another credit card to come out in the future that offers the opportunity to earn 2% without having to jump through a ton of hoops like I feel the Fidelity 529 card is. Until then, I will likely use this card for 1 year, cancel it, and apply for another one that offers more than 1% back.
Author: JaneiR36
Posted: Sun Jul 23, 2006 2:39 pm
Post subject: For some reason, I can't really think of many of my purchases that fall outside of gas and groceries. Maybe air tickets?
Author: phantomega1
Posted: Sun Jul 23, 2006 4:40 pm
Post subject: Diamond Rewards Preferred Credit Card Review I just got those two cards as well. The Diamond Preferred Rewards and MTVu will add up to about 5 points everywhere. I can't wait til the cards get here! _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Tips on Arriva Credit Card
Author: multiplierx
Posted: Sun Jul 23, 2006 9:12 pm
Post subject: Arriva Card I thought this was an interesting new card. It's basically a cash-advance card, up to 100% of your limit, with a grace period on interest. It can be used at more than 700 casinos across the US. http://arrivacard.com/aboutthecard/ http://www.globalcashaccess.com/products/prod_arriva.shtml http://www.globalcashaccess.com/default.shtml
Author: EasyRhino
Posted: Mon Jul 24, 2006 12:40 am
Post subject: I got really excited, but it look like they still charge a 3% transaction fee on cash advances, which I think includes casino chips.
Author: Polonius
Posted: Mon Jul 24, 2006 8:55 am
Post subject: Arriva Card Right--the 3% transaction fee has no cap and you're charged it regardless of when you pay back the loan. It's probably better than using a regular cash advance card at casinos, but that's about it. Only for the desperate!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Paying Credit Card Before Statement Close
Author: davidfronu
Posted: Fri Jul 21, 2006 7:43 pm
Post subject: How do you pay Amex card before statement close Ok this is the thing I cant figure out I would like to pay my amex bill before the statment closes and I see alot of people are doing that but how. When I log on to my account it does not let me pay the bill before the statement is closed can someone please explain Thanks
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Author: Polonius
Posted: Fri Jul 21, 2006 9:15 pm
Post subject: Paying Credit Card Before Statement Close Use online billpay at your bank to send a payment to American Express--it's usually sent electronically. (If your bank doesn't offer free online billpay, change banks--plenty offer this service for free now.) Or mail a check to the usual address. I used to make copies of the payment stub so whenever I wanted to make a payment I'd send a payment stub copy with my check, without having to wait for the actual statement to arrive. But online billpay is much, much easier.
Author: multiplierx
Posted: Fri Jul 21, 2006 9:27 pm
Post subject: Is this your first statement
Author: multiplierx
Posted: Fri Jul 21, 2006 9:29 pm
Post subject: Paying Credit Card Before Statement Close I make 2 or 3 payments per month on Amex through their website. It's always PIF before the reporting date and statement cut. You just can't do it for your 1st statement. After that you can make a payment on their website anytime you want.
Author: mouse
Posted: Fri Jul 21, 2006 10:33 pm
Post subject: YOU MUST WAIT FOR THE FIRST STATEMENT TO GENERATE or CALL ON THE PHONE FOR PAY BY PHONE
Author: davidfronue
Posted: Fri Jul 21, 2006 11:38 pm
Post subject: Paying Credit Card Before Statement Close ok yeah first statement I guess thats why I didnt think of that you guys are great
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Do Credit Card Companies Have Black Lists?
Author: arahad06
Posted: Thu Apr 27, 2006 1:04 pm
Post subject: blacklists so i have heard about cc companies like AMEX CITI CHASE blacklists people with negatives in credit report... if that negative is deleted through a dispute, do they still blacklist you? what happens?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: fitz75
Posted: Thu Apr 27, 2006 2:29 pm
Post subject: Do Credit Card Companies Have Black Lists? Since I have seen people saying that AMEX never forgets I would assume the blacklist is an internal list. In order to get off of it you will have to pay your default.
Author: arahad06
Posted: Thu Apr 27, 2006 2:33 pm
Post subject: Do Credit Card Companies Have Black Lists? well i never had an AMEX but i want to get one when my score goes up... though i have 2 negatives (30, 60 days late) i have a chase card but with a limit of 300 .... will i get accepted after my score is over 700? or no?
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Author: fenster
Posted: Thu Apr 27, 2006 2:58 pm
Post subject: Do Credit Card Companies Have Black Lists? I had a less than stellar relationship with Amex back in my BK days. Nevertheless, they recently mailed me several pre-approved offers. A bluff or forgiving new interest? Didn't wanna find out and never replied.
Author: TomfromCT
Posted: Thu Apr 27, 2006 3:01 pm
Post subject: [quote="fenster"]I had a less than stellar relationship with Amex back in my BK days. Nevertheless, they recently mailed me several pre-approved offers. A bluff or forgiving new interest? Didn't wanna find out and never replied.[/quote] Fens, If you still owe amex money...they remember. They don;t sell off bad debt. They just wait. They do blacklist. If they have sent you a pre approved offer......you apply online, you will likely be approved. THEN and sometimes just after you get the card, they will kill the approval and bring up the charge-off. The only way back in is to pay them the charged off amount.
Author: moniqueclaire
Posted: Thu Apr 27, 2006 3:04 pm
Post subject: Amex Hi: I hear that you can get an AMEX pretty easily if you are a new customer despite dings. I have a friend who went through a BK and got this card like 2 yrs later but never had an AMEX before. On the other hand , if you have had an account before and screwed up (i.e. late payments, default) then the AMEX beast never forgets, I had done that like 14years ago, paid it off 6yrs ago and still they will not give me another chance.
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Credit Card Approval for BOA Power Rewards!
Author: nefertiti66
Posted: Fri Jul 21, 2006 10:44 am
Post subject: I FINALLY GOT APPROVED! I just rec'd approval for a BOA Power Rewards card limit $7,500!!!! My score is 750 but no credit history except my school loans which are in good standing. I had troubles finding a card that would approve me (other than Capital One ALL hassle card!) Yay! I'm off to do my happy dance of victory!!!!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Board Monitor
Posted: Fri Jul 21, 2006 10:48 am
Post subject: Credit Card Approval for BOA Power Rewards! Congrats!!! Let us know how you like it. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
Author: Kajjers
Posted: Sun Jul 23, 2006 1:37 pm
Post subject: Re: I FINALLY GOT APPROVED! [quote="nefertiti66"]I just rec'd approval for a BOA Power Rewards card limit $7,500!!!! My score is 750 but no credit history except my school loans which are in good standing. I had troubles finding a card that would approve me (other than Capital One ALL hassle card!) Yay! I'm off to do my happy dance of victory!!!! [/quote]
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Tips on Getting a Credit Card With Little to No Credit
Author: newtoitall
Posted: Wed Jul 19, 2006 12:12 pm
Post subject: HELP! No Credit...but want credit card Hello, I am new to this forum. I was recently denied an MBNA credit card because I have 'no credit"...well that's fine, but how am I supposed to obtain credit without being able to use a credit card?!?!? Perplexing... Anyways, I have plenty of cash on hand to pay off my bills on time every month...no problem there. I just need a credit card from a reputable organization that will easily approve me for like $1K or $2K line of credit. I would appreciate links to good offers that will approve me/people with simply No Credit! Thanks so much
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: nefertiti66
Posted: Wed Jul 19, 2006 3:39 pm
Post subject: Tips on Getting a Credit Card With Little to No Credit I am in the same situation. I was just approved for capital one platinum $500 limit. I tried citi and amex and was denied. Try cap1 its a good starter card with no fees. If you dont get approved for that then you'll have to get a store or gas card and/or a secured credit card. best of luck!
Author: JoyJoy
Posted: Sun Jul 23, 2006 11:08 am
Post subject: Capital One is a great starter card like the previous poster said. They will probably start you off with a secured card and probably an annual fee too. However, pay them faithfully and even call when the annual fee is posted and ask them to waive it for you. Never hurts to ask even if the first credit rep says "No!"....just call and get a different credit rep. HSBC Bank has been pretty generous with credit lines....even to people who are just starting out. Wouldn't hurt to call their credit card division and ask if you can qualify for a credit card from them. Some have applied online and gotten a $1K credit approval instantly. Good luck because I know what it is like to start out with no credit and then I know what it is like to have credit and become ill and fall behind and work myself back up to good credit again. It will happen for you too.
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US Airways Credit Card Take Over
Author: drrevrob
Posted: Sat Jul 22, 2006 11:53 am
Post subject: USAIR Palt Sig Card I heard that USAIRWAYS was discontinuing this card, does anyone know who will take over? Rob
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Sat Jul 22, 2006 7:45 pm
Post subject: Re: USAIR Palt Sig Card Quote: "drrevrob" I heard that USAIRWAYS was discontinuing this card, does anyone know who will take over? Rob JUNIPER They are both issuing them for like a year or so before BofA is gone I have no idea "IF" they are going to just give you a new BofA card that is NOT USAIR or JUNIPER is "TAKING" the accounts...
Author: drrevrob
Posted: Sat Jul 22, 2006 8:10 pm
Post subject: US Airways Credit Card Take Over thanks, I will go on Juniper's site
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Chase Mileage Credit Card Tips
Author: spjoink
Posted: Thu Jul 20, 2006 10:34 pm
Post subject: chase problem ...... I called chase yesterday for a milage credit for my british airways account, at the end of the conversation i asked the rep if i could get a cli without an inquiry into my credit report , the rep said..."it will NOT be a hard pull.....i was denied ...today i saw they pulled an experian hard hit anyway,,What can i do ...its just not right to lie to a good customer...my limit is $16500.00 and i have a balance of $309...i am very upset about this.... What you guys think?
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Author: Polonius
Posted: Thu Jul 20, 2006 10:52 pm
Post subject:Chase Mileage Credit Card Tips No one lied to you. The CSR just didn't know. Lots of them are ignorant. They try to be helpful. As to what to do? Forget about it. It's not important.
Author: spjoink
Posted: Thu Jul 20, 2006 11:10 pm
Post subject: Chase Mileage Credit Card Tips she and i discussed the matter in details..she assured me it would be no pull. i now have 29 inquiries on experian the last 2 yars...i have one transunion and nine eqifax, i need a card that pulls trans in southern california, looking for a 0% bt offer..any suggestion
Author: mouse
Posted: Thu Jul 20, 2006 11:29 pm
Post subject: Re: chase problem ...... Quote: "spjoink" I called chase yesterday for a milage credit for my british airways account, at the end of the conversation i asked the rep if i could get a cli without an inquiry into my credit report , the rep said..."it will NOT be a hard pull.....i was denied ...today i saw they pulled an experian hard hit anyway,,What can i do ...its just not right to lie to a good customer...my limit is $16500.00 and i have a balance of $309...i am very upset about this.... What you guys think? You may be able to dispute it with the CRA
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Author: fenster
Posted: Thu Jul 20, 2006 11:36 pm
Post subject: Chase Mileage Credit Card Tips With 28 inquiries before you were hit one more time, what difference does it make? Whoever pulls Experian won't like you with that kinda load. In terms of TU pulling, BofA likes to pull TU, especially in California, WAMU pulls TU as well. Most non major and local California banks pull TU. California is good for TU pullin' and the serf.
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No Credit Card Advance Fee Credit Card
Author: robert123
Posted: Wed Jul 19, 2006 6:42 pm
Post subject: Looking 4 card w/ no fee cash advance & no interest offer I am looking for a credit card that offers cash advance with no transaction fees, and a no interest introductory period. Basically, I want an interest free loan. I have a Citibank card that was offering no fees/no interest for 12 months on cash advances, but I never took advantage of it before they ended the offer. Does anyone know if there is a card offering this type of thing now?
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Author: mouse
Posted: Wed Jul 19, 2006 6:47 pm
Post subject: Re: Looking 4 card w/ no fee cash advance & no interest Quote: "robert123" I am looking for a credit card that offers cash advance with no transaction fees, and a no interest introductory period. Basically, I want an interest free loan. I have a Citibank card that was offering no fees/no interest for 12 months on cash advances, but I never took advantage of it before they ended the offer. Does anyone know if there is a card offering this type of thing now? Thanks! Robert What is the EMERGENCY for the need of a CASH ADVANCE??? BT's work fine for most people
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Author: robert123
Posted: Fri Jul 21, 2006 12:53 pm
Post subject: No Credit Card Advance Fee Credit Card I want to use the money to purchase something from a business that does not accept credit cards.
Author: XeroK00L
Posted: Fri Jul 21, 2006 1:45 pm
Post subject: No Credit Card Advance Fee Credit Card Quote: I want to use the money to purchase something from a business that does not accept credit cards. Robert Just do a 0% APR balance transfer to your home address. You'll receive a check with which you can then deposit directly into your checking account. If your credit card does not allow balance transfer to any given recipient, then BT to your debit card that's directly linked to your checking account instead. There's no way around those high cash advance fees, period. But there is really no need for a cash advance unless you absolutely need that cash in less than a week. Otherwise, you can most definitely get the same cash in 7-10 days through a 0% APR BT.
Author: phantomega1
Posted: Fri Jul 21, 2006 3:02 pm
Post subject: the Amex Clear has no fees of any kind... I think they only offer 3.99% on the BTs right now though, 0% on purchases for 6-12 mos. _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Blue Students Credit Card Review
Author: veri
Posted: Wed Jul 19, 2006 11:55 pm
Post subject: Blue / Blue Cash, or Blue for Students? Junior in college; listed as AU on a few accounts in good standing (TU). Currently unemployed (full-time student), but significant financial support to specify on the income field of apps. One account in my name (Discover student card, $1000). TU reports score as right around 700; Equifax does not provide score (AUs didn't report to them / they don't seem to have that AU info, and only that Discover is on it); Experian, don't know what they say. Not sure what Amex tends to pull in Texas. Looking for a good second card and was considering one of the Blues - given the above, should I shoot for the cash back or regular Blue, or go with the student card? I'm also kind of liking Clear, but I don't really know if I could get into that or if it's worthwhile in comparison.
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Author: mouse
Posted: Thu Jul 20, 2006 1:53 am
Post subject: Re: Blue / Blue Cash, or Blue for Students? Quote: "veri" Junior in college; listed as AU on a few accounts in good standing (TU). Currently unemployed (full-time student), but significant financial support to specify on the income field of apps. One account in my name (Discover student card, $1000). TU reports score as right around 700; Equifax does not provide score (AUs didn't report to them / they don't seem to have that AU info, and only that Discover is on it); Experian, don't know what they say. Not sure what Amex tends to pull in Texas. Looking for a good second card and was considering one of the Blues - given the above, should I shoot for the cash back or regular Blue, or go with the student card? I'm also kind of liking Clear, but I don't really know if I could get into that or if it's worthwhile in comparison. BLUE CASH is useless I dumped mine and moved the credit limit to another of my AMEX cards
Author: phantomega1
Posted: Thu Jul 20, 2006 2:14 am
Post subject: Blue Students Credit Card Review mouse is absolutely correct... Blue Cash IS useless, just got it and wish I hadn't... I'm probably not going to use it, or just switch it to something else.
Author: veri
Posted: Thu Jul 20, 2006 2:58 am
Post subject: Alrighty - considering at least one CRA has next to nothing on me and I don't know what the other has (TU excluded, obviously), suppose it's worth a shot for the regular Blue before going to the student variant?
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Author: Board Monitor
Posted: Thu Jul 20, 2006 8:26 am
Post subject: Wouldn't say it useless, just that it favors heavy chargers. My wife and I almost got 1K back last year using Blue Cash. Wouldn't call that useless. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
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Author: mouse
Posted: Thu Jul 20, 2006 9:08 am
Post subject: Blue Students Credit Card Review Quote: "Board Monitor" Wouldn't say it useless, just that it favors heavy chargers. My wife and I almost got 1K back last year using Blue Cash. Wouldn't call that useless. OK it worked for you Many people can't use it for the "BEST" pay-out Using BLUE CASH or DELTA I desided DELTA was a better payoff I have no "LEVELS" to pass for the higher payout
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Credit Card Services From MBNA
Author: multiplierx
Posted: Fri Jul 21, 2006 10:41 pm
Post subject: FIA Card Services This used to be a card division of MBNA and now services some of MBNAs old cards and also some BOA cards such as the new BOA-Amex. Anyway, I called them yesterday and talked to a credit analyst. The routine with an analyst is the same as it was with MBNA, but it does seem like they've loosened up a bit. I was very impressed with the experience. She even called me back this morning to confirm everything was taken care of. She also told me that although a CSR can't connect you with specific analyst by name, you can request the CSR send the analyst an email and you will get a callba
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Discover Credit Card From Sam's
Author: Board Monitor
Posted: Fri Jul 21, 2006 11:21 am
Post subject: Sam's Discover Card Complaint This message posted by e-mail request from one of the visitors to our site: I hate Sams club discover card. How can I complain? Even their web site is so cheap one cannot navigate, or error pops up. No phone number or nothing! Am I required to use only Sams Discover Card if I trade at Sam's where I pay them an annual Business fee? _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
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Author: quiznut1
Posted: Fri Jul 21, 2006 1:47 pm
Post subject: Discover Credit Card From Sam's I don't like Sam's Club altogether in that the ONLY card they will take is Discover. I got embarrassed and almost didn't believe them at first when they told me at the checkout. If Walmart and Sam's Club are linked, how does Walmart take every other card and Sam's Club only takes Discover? A question I will never know the answer to.
Author: bullwinkle29
Posted: Fri Jul 21, 2006 2:17 pm
Post subject: just like Costco only takes AMEX. they prob worked out some special deal with the company. they probably pay less fees
Author: Polonius
Posted: Fri Jul 21, 2006 3:32 pm
Post subject:Discover Credit Card From Sam's It's just marketing. Costco used to have an exlusive deal with Discover, then it negotiated a better deal with AmEx. Usually in these arrangements the credit card company pays part of the advertising the firm does as long as the ad mentions that only XX card is accepted. As for the question of your emailer, he's always free to not shop there or to pay cash, check or with a debit card. What's the big deal? And how come these folks are unable to figure out how to post on this board? You can't have a discussion when there's no way to respond...
Author:
Posted: Fri Jul 21, 2006 4:44 pm
Post subject: Discover Credit Card From Sam's THE SAMS DISCOVERCARD CAN BE USED AT ANY BUSINESS THAT TAKES DISCOVERCARD!!!!!!!!!
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Multiple Credit Cards From Citibank
Author: phantomega1
Posted: Wed Jul 19, 2006 2:48 am
Post subject: Question about mulitple Citibank cards I just got approved for both the MTVu card and Diamond Preferred Amex from Citibank. I was wondering if anyone could answer a few quetsions about Citi for me, since I have had no experience with them before: 1. Will they let you combine all the points you earn for the Thank You network on both cards, or can you only redeem them individually? 2. Does anyone know how Citi is with CLI requests? How long do you have to wait, and if you have multiple cards will that stop you from getting an increase on one? How about letting you allocate some of the limit from one to the other? Any help from you longtime Citi gurus is greatly appreciated! I think I'm going to be a Citi guy for a while!
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Author:LawProfessor
Posted: Wed Jul 19, 2006 9:32 am
Post subject: Re: Question about mulitple Citibank cards [quote="phantomega1"]I just got approved for both the MTVu card and Diamond Preferred Amex from Citibank. I was wondering if anyone could answer a few quetsions about Citi for me, since I have had no experience with them before: 1. Will they let you combine all the points you earn for the Thank You network on both cards, or can you only redeem them individually? 2. Does anyone know how Citi is with CLI requests? How long do you have to wait, and if you have multiple cards will that stop you from getting an increase on one? How about letting you allocate some of the limit from one to the other? Any help from you longtime Citi gurus is greatly appreciated! I think I'm going to be a Citi guy for a while! [/quote] Yes, you can combine your Thank You Network Points. (You can even add a checking account to earn points even faster!) You will have a CLI button on your account page. You can request a CLI after the six month mark. You should get a response within 5-7 buisness days.
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Author: EasyRhino
Posted: Wed Jul 19, 2006 11:32 pm
Post subject:Multiple Credit Cards From Citibank After a while, you'll get two "Thank You Member Numbers". Pick one of them and login with it. Attach BOTH of your card accounts to it. After that, as long as the points successfully flush out of the card (PremierPass and Driver's Edge have confusing rules), then they'll all comingle in your TY account, and you can then buy a pony.
Author: jtownsucks46
Posted: Wed Jul 19, 2006 11:52 pm
Post subject: Re: Question about mulitple Citibank cards (You can even add a checking account to earn points even faster!) How do you do that?????
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Fine Print on Credit Cards Review
Author: fenster
Posted: Thu Jul 20, 2006 7:26 pm
Post subject: Do Not Let the Fine Print Dissuade You I was offered a preapproved World Points Platinum Plus card, issued by MBNA for NetBank’s customers. The offer consisted of 0% APR till August, 07 on BTs and advances, thereafter, a fixed rate of 7.9%. Parsing the fine print, turns out NO CAP on a 3% BT fee. I call MBNA and first try to haggle for a no fee BT on $10K so I can earn 5% on ‘em at my bank. The rep comes back with no deal. Then I impart to him all my other MBNA cards have a Cap of $75 per BT, how about honoring that. This time out he says how about a flat fee of $100 on the $10K, I say deal; a savings of $200 on the fees. Moral of the story, never take the fine print for granted, and invest in a toll free call. One more thing, don’t be precipitous in you actions. Evaluate all your relationships and options with your bank. For example, I have a MC with MBNA that has an APR of 17% with a 0 balance that’s doing nothing. I consolidated most of its balance with above card so I can cushion new card’s utilization and take future advantage of 7.9% fixed instead of 17%. And at the same time, I didn’t close the donating MC, for it receives automatic CLIs and has a history. Now detractors will say, you still incurred a fee. You’re right, but in a emerging era of NO CAP fees on BTs, being charged 1% on a $10K loan which will earn you 5% or more isn’t too shabby.
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Author: mouse
Posted: Thu Jul 20, 2006 8:11 pm
Post subject: Re: Do Not Let the Fine Print Dissuade You Quote: "fenster" I was offered a preapproved World Points Platinum Plus card, issued by MBNA for NetBank’s customers. The offer consisted of 0% APR till August, 07 on BTs and advances, thereafter, a fixed rate of 7.9%. Parsing the fine print, turns out NO CAP on a 3% BT fee. I call MBNA and first try to haggle for a no fee BT on $10K so I can earn 5% on ‘em at my bank. The rep comes back with no deal. Then I impart to him all my other MBNA cards have a Cap of $75 per BT, how about honoring that. This time out he says how about a flat fee of $100 on the $10K, I say deal; a savings of $200 on the fees. Moral of the story, never take the fine print for granted, and invest in a toll free call. One more thing, don’t be precipitous in you actions. Evaluate all your relationships and options with your bank. For example, I have a MC with MBNA that has an APR of 17% with a 0 balance that’s doing nothing. I consolidated most of its balance with above card so I can cushion new card’s utilization and take future advantage of 7.9% fixed instead of 17%. And at the same time, I didn’t close the donating MC, for it receives automatic CLIs and has a history. Now detractors will say, you still incurred a fee. You’re right, but in a emerging era of NO CAP fees on BTs, being charged 1% on a $10K loan which will earn you 5% or more isn’t too shabby. On my last MBNA BT (like 1.5 weeks ago) I was given the option of 2 choices... 1) PAY THE $75 BT FEE 2) WALK AWAY FROM THE BT So they are NOT afraid to lose business IN MY CASE I WOULD HAVE HAD TO PAY OVER $900 FOR A BT FEE (I have always paid no more than $75) At one time they were always FREE (when I did EFT to my checking account)
Author: fenster
Posted: Thu Jul 20, 2006 11:21 pm
Post subject: Fine Print on Credit Cards Review Seems to me banks and card issuers have found a golden goose in fees and are shafting the consumer. They're not about to let go either. You've over the limit fees, late fees (1 minute late), default fees, express pay fees, pay by phone fees, dormant account fees, the resurgence of annual fees, you name it they got it fees... Soon we'll be lamenting the days of the $75 BT. If congress doesn't act soon and help working Americans, card issuing banks will suck the marrow from our bones and say gimmie more.
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Author: mouse
Posted: Thu Jul 20, 2006 11:26 pm
Post subject: Fine Print on Credit Cards Review Quote: "fenster" Seems to me banks and card issuers have found a golden goose in fees and are shafting the consumer. They're not about to let go either. You've over the limit fees, late fees (1 minute late), default fees, express pay fees, pay by phone fees, dormant account fees, the resurgence of annual fees, you name it they got it fees... Soon we'll be lamenting the days of the $75 BT. If congress doesn't act soon and help working Americans, card issuing banks will suck the marrow from our bones and say gimmie more. When you "CAN" get $0 BT FEE $75 is hard to choke down $100 I can't swallow A $900 BT FEE I WOULD HAVE TO GET THAT 0.00% BT FOR LIKE TILL DECEMBER 2010
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Small Business Credit Cards Experiences Review
Author: freeman
Posted: Wed Jul 19, 2006 6:20 pm
Post subject: good or bad experience w/small business credit card? Have a small business card? Please share your experience! Card Name/Bank: Credit Limit: Rate: FICO Score: CRA(s) pulled: CLI: Time: (how long after you receive card) Advantage: Disadvantage: Good/Bad Experience.
Author: fire3000
Posted: Thu Jul 20, 2006 1:43 pm
Post subject: Business Card Chase $12,000 0% for one year on BT and Purchases Earns 3% at hardware stores, Office supply stores, restaurants, and gas My score is about 680 I was approved for it this year I had no problems with them (it is my fourth open Chase card)
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