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Denial of Credit Card That I Was Accepted For
Author: swoleman
Posted: Sat Aug 12, 2006 8:50 am
Post subject: question about amex hey guys wanted to ask...is it legal for amex to do an inqury even though you repeatedly say you don't want them to and then they tell you that they won't because you are a memeber already,then proceed to tell you ,that the line of credit is already approved and that you can make that big purchase you wanted to do,he gives you his employee number, location and name,now you are stuck to pay this big purchase in 1 month ,what can you do since he told you everything was ok and to make the purchase,please help thanks
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Author: Lunafalls
Posted: Sat Aug 12, 2006 7:38 pm
Post subject: I'm not sure I totally understand your question . . . . But with Amex (at least with the green card) you do have the option to elect to pay charges over time (with interest, of course). Just call them and request it, or log into your account if you have set up online access, and there is an option to select charges to pay over time. They will assign you a reasonable monthly payment toward the balance, which you will then pay in addition to each month's current charges. You can pay more than the minimum or pay it off whenever you want. Maybe the phone rep meant that it was OK for you to make the purchase and then set up to pay over time. Your bill will show the total amount due immediately; you have to take the action of choosing to pay over time. HTH
Author: swoleman
Posted: Sat Aug 12, 2006 9:50 pm
Post subject: Denial of Credit Card That I Was Accepted For nope that is not what he said he said that i am approved for the line of credit at 5.99%,plus i click on the enroll to pay over time and it says i am not eligable, i dont get these guys, i have great credit over 720 with all 3 credit companies, either way they checked my credit without my approval and then denied me something the rep told me i was accepted for
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What is a Merchant Code in Credit Card Terms and Conditions
Author: Bluedawg68
Posted: Sat Aug 12, 2006 10:16 am
Post subject: Merchant code? Hi Folks, I read in the "terms and conditions" section for the Discover Platinum Gas Card something about the merchant code has to be 5541 or 5542. What is this? And how do I know the merchant is using this code? Thanks in advance.
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Author: multiplierx
Posted: Sat Aug 12, 2006 11:05 pm
Post subject: What is a Merchant Code in Credit Card Terms and Conditions That code designates the type of purchase. This is sometimes a problem if the merchant isn't using the correct code. You could end up not getting the rewards. You could try asking the merchant, or just do a test transaction and see how it processes. Here some info on merchant codes; http://www.irs.gov/irb/2004-31_IRB/ar17.html _________________ Total interest paid on cards = 0.00 Amount of cash/rewards in past year = $550 Utilization - less than 1%
Author: Board Monitor
Posted: Sun Aug 13, 2006 9:14 am
Post subject: What is a Merchant Code in Credit Card Terms and Conditions I would think that most employees have no clue about merchant codes. Managers might, though. I think it's best just to try and see as multiplierx states. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
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Rewards on Credit Cards
Author: JaneiR36
Posted: Sat Aug 05, 2006 7:29 pm
Post subject: Spreading your rewards too thin? I keep hearing about the next best rewards card, and even when they offer me a higher percentage than I'm currently earning on a given category, I always feel like if they're not offering at least what I get on certain everyday purchases the amount would never be enough to actually collect the rewards! Either that, or it would take a much longer length of time. For instance, unless it's for the initial $100 bonus, I find it hard to apply for anything Citibank for rewards purposes. This being because I spend a huge amount of money on Walmart every month, and only my Chase cards give me rewards on that so far. Without the Walmart / grocery purchases to seriously bump the total amount, I wonder when I'll actually be able to collect my points. Anyone face this scenario, and if so, how do you deal with it? If not, how come?
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Author: Polonius
Posted: Sat Aug 05, 2006 8:35 pm
Post subject: Rewards on Credit Cards If you have a card that gives you better benefits at WalMart than a Citibank card, of course you should use that card to shop at WalMart. But for me that's not an argument against getting a Citibank card. You can't ignore that $100 bonus, the 0% intro offer, the ability to balance transfer to it and then get a cash refund of any credit balance, the possibility of getting other special offers from the card now or in the future, and the boost any additional cards will give to your credit scores. No harm in sockdrawering it if it's not useful to you for retail purchases. For example, Citibank has a promo going on with Google right now for Google's new merchant shopping service. Enroll your Citibank card and get $5 first time you use it at a Google merchant. I enrolled all six of my Citibank cards, purchased a 35 cent video download on each (which I didn't bother to download), and pocketed a quick $30.00. I also enrolled the cards I wasn't using in Citibank's card protection program and pocketed another $40 per card. After I get those $40 checks, I'll call to cancel the protection service and be enticed into keeping it by being offered gift cards or $50 in coupons or whatever the going retention deal is. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
Author: EasyRhino
Posted: Sat Aug 05, 2006 8:40 pm
Post subject: Rewards on Credit Cards Oh sure. I have five cards in daily spending rotation right now. And I don't really spend that much in a year. It tends to dripple out rewards thresholds across multiple cards. But, when I was hoplessly naive, and only had a 1% card, and paid for lots of stuff with cash, I only think I ever redeemed any money once every year or two. And even then, not big bucks, like $25 or $75. Now, I'll probably still only be cashing out at about the same frequency, except across five cards instead of one. The way I figure it, if you can get a meaningful amount back from it over the course of a year, then it's worth using. Any longer, and it's probably too much of a pain, or even runs a risk of having points expire.
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Author: JaneiR36
Posted: Sat Aug 05, 2006 8:41 pm
Post subject: Rewards on Credit Cards That's an interesting way to look at it, Polonius, getting the rewards on not necessarily everyday purchase items but rather the gimmes they throw around every now and then. I do have four Citi cards but I don't use any of them for everyday purchases due to the points adding up issue. I'll definitely reconsider seeing as there are so many ways to get the points to add up, or just get rewards, either way. I have about 3 $20 checks from Chase for the payment protection. How do you feel about signing up for these, and then talking to a real person to cancel knowing full and well you weren't going to keep the service to begin with? Just to be clear, I'm not attacking you at all, I'm actually looking for a pep talk so I can rationalize it and be that way as well and pocket the money, too! Last edited by JaneiR36 on Sat Aug 05, 2006 8:48 pm; edited 1 time in total
Author: JaneiR36
Posted: Sat Aug 05, 2006 8:46 pm
Post subject: Rewards on Credit Cards EasyRhino, the pathetic points are also a problem I have to deal with. For instance, a friend just told me of a card with a local bank (National City) that offers 3 or 4% on restaurant purchases. I wanted to go with this, but they give 4% for gas and only about 2% for groceries whereas I get 5% for gas and groceries from Chase. Not to mention, you have to make $10,000 in purchases and get the .25% rewards on everything else before you can start earning a full 1%. So whereas the 4% on restaurants seems great, how much could I possibly eat before I cash in on that? I agree about being naive, too. Discover was my only rewards card for a while there and I didn't even know I had to sign up when they had those "Get More" promotions. I didn't know why it took so long to get my rewards, either. For them, I think you get .25% until you hit $3000 or so, and then at another mark you start getting .5%, and then finally you earn a full 1% on all purchases except for the straight up 5% if you're signed up for their get more purchases. And then it resets at your anniversary every year. As you can imagine, I only use this for Get more, and thankfully they let you start redeeming at $20.
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Duplicate Balance Transfer on Credit Card?
Author: JoyJoy
Posted: Mon Aug 07, 2006 10:42 pm
Post subject: Duplicated balance transfer I accessed my Amex account tonight to check to see whether my payment had been posted. My payment had been posted but then I noticed that my available credit was 0! I should have had a balance of $2,200 after they made a balance transfer for me. I called Amex and the CR said I was overdrawn!!! I asked him how and he said "Hold on a minute." He was gone for about 10 minutes and then came back and apologized and said they made a mistake and duplicated my balance transfer TWICE but that it was being reversed. I asked him how long would this take for my account to be brought up to date and he said atleast 1 billing cycle. I said my credit could be affected and my other credit accounts could be in default. He said Amex would make it right and not to worry about it. Now if all 3 credit bureaus get this negative information I will have to go to each one of them or just notify Amex and let them handle it. Any negative decisions on my credit report would have to be reversed. Anyone have this happen to them or am I just that one out of one million chances that this could happen??? _________________ J~J "You may never know what results come from your action. But if you do nothing, there will be no result." Mahatma Gandhi
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Author: mouse
Posted: Mon Aug 07, 2006 11:30 pm
Post subject: Re: Duplicated balance transfer Quote: "JoyJoy" I accessed my Amex account tonight to check to see whether my payment had been posted. My payment had been posted but then I noticed that my available credit was 0! I should have had a balance of $2,200 after they made a balance transfer for me. I called Amex and the CR said I was overdrawn!!! I asked him how and he said "Hold on a minute." He was gone for about 10 minutes and then came back and apologized and said they made a mistake and duplicated my balance transfer TWICE but that it was being reversed. I asked him how long would this take for my account to be brought up to date and he said atleast 1 billing cycle. I said my credit could be affected and my other credit accounts could be in default. He said Amex would make it right and not to worry about it. Now if all 3 credit bureaus get this negative information I will have to go to each one of them or just notify Amex and let them handle it. Any negative decisions on my credit report would have to be reversed. Anyone have this happen to them or am I just that one out of one million chances that this could happen??? DEMAND AMEX INCREASE YOUR CREDIT LIMIT BY LIKE $2,500 AND LET THE 2 BT's STAY AS IS LESS ISSUES THEN WHEN YOU OVER PAY THE OTHER CARD BT IT BACK TO AMEX or REQUEST A CHECK BE SENT FOR THE CREDIT BALANCE AND DEPOSIT IT IN YOUR CHECKING ACCOUNT THEN PAY AMEX
Author: rapjunkie
Posted: Tue Aug 08, 2006 12:04 am
Post subject: Duplicate Balance Transfer on Credit Card? Wow - this is interesting... I recently had an AMEX BT processed twice too! They said they would correct it by contacting the other creditor, but I later got a letter saying there was nothing they could do since the payment had cleared already. I ended up getting a check from the other creditor for my negative balance. I can't believe it happened to someone else also.
Author: hdporter
Posted: Tue Aug 08, 2006 4:09 am
Post subject: Duplicate Balance Transfer on Credit Card? I didn't have a problem with a BT processed twice, but I've had a screw up with Chase where ultimately I wanted to reverse a BT transfer made to a new Chase card (I'll share a saga on that when the dust clears). It took a couple of calls for Chase to get their head screwed on right, but ultimately the word was because the funds had been transferred, I'd have to get the recipient (BA) to return the funds. Chase credited the $75 BT fee immediately. It took almost 3 weeks, but BA reversed the payment and Chase credited the receipt to return my account to a "0" balance. Then they applied a credit of $75 to me account, to again reverse the fee. I have a $75 credit balance. My guess is that if Amex made the second transfer (which sounds like is clearly the case), you'll have to contact the recipient to reverse the payment. I wouldn't sweat any score consequences. But I would ask Amex to immediately, as suggested, increase you limit to cover at least the current balance. Make clear that you'll be incensed if you find that they report an outstanding balance in excess of your reported limit. If they increase your limit, any problem with your reported high balance is largely resolved automatically. If they don't, then you need them to address the issue of a reported "high balance" that exceeds your reported limit, since that status will be permanent. Follow up by reviewing your reports (all 3) carefully.
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How to Get Good Credit Cards To Rebuild Credit
Author: shortstop7
Posted: Mon Aug 07, 2006 5:58 pm
Post subject: How to get good cards? This is my situation... I am in the process of rebuilding my credit and i have been on a roll so far, no negatives in 51 months says myfico. But when i was a dumb 17 yr old in college, i discovered credit cards and went on an applying craze and managed to snag 4 major ones: Citibank, Discover, Capital One, and Providian all with around $1000 limits. I had no clue how bad it could backfire on me then, and i maxed them all out in like 3 months. They were all charged off, collections and i have gone through the whole thing of settling, Citibank actually sued me, but i have paid everything (had to work a year while in college and save up to $7000 to pay them all off). Well now i am a responsible 23 yr old out of college with a good job and i know more than well the importance of good credit. I recently acquired in april a car loan with Chase Auto Finance and they gave me 7.49%, which is better than what i thought i'd get with my credit picture, but its still a bit high. I want to refinance by next year and try to get 5% or less... I also have a problem getting good cards. I am assuming Citibank, Discover, Capital One will blacklist me forever? I have the following cards: Applied Card (former cross country) - $1000 limit Cortrust Bank - $350 limit Target Visa - $500 Macys - $200 (what an insult, but i suppose i desrve it ) Walmart store card - $410 limit Circuit City card - $1000 limit HSBC Platinum - $1000 limit My experian credit analyzer keeps saying my low limits is hurting my score, but all these cards wont raise my limit..(macys actually just raised it from 100)... I want to get a high limit card, and i am afraid i'll be stuck in low limit siberia for the rest of my life! I keep my utilization below 35%. Mty scores are: Equifax: 659 Transunion: 628 Experian: 570 I have no idea why my experian is soooo low When can i ever get a good card with like 5,000 or up limit??? Abd should i close the applied card bank? They charge me such high interest rate 23% and a $10 monthly fee, and $6 maintanence fee, and yet they wont raise my limit. But i have had them as a card for the longest amongst my current cards (2+ yrs) and have never had a negative. Please advice. Thanks!
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Author: shortstop7
Posted: Mon Aug 07, 2006 6:03 pm
Post subject: How to Get Good Credit Cards To Rebuild Credit Also, can someone please make it clear to me? I started the downward spiral just 3 months after acquiring these cards. I acquired most of them October 2000, so i the first missed payments show up latest January 2001 on all of them... When should i expect them to fall off?? Also, i have heard soemthing about good will letters to remove them before they are scheduled to fall off. But who would i be sending these letters to? Some of them circled the hands of several collection agencies before i settled... And can someone shed some more light or an example of any such letter? Thanks i really appreciate all help!
Author: shortstop7
Posted: Mon Aug 07, 2006 6:07 pm
Post subject: How to Get Good Credit Cards To Rebuild Credit I forgot to mention, i am in a graduate engineering program. would anybody take a chance with me on a student card? thx
Author: jlrdc909
Posted: Tue Aug 08, 2006 6:00 am
Post subject: engineering, doctor, PHD, etc, simply put, if your credit is messed up, it doesnt really matter what program of study or what your income is.
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American Express Credit Card Changes
Author: Tek
Posted: Wed Aug 02, 2006 6:58 pm
Post subject: AMEX = Big Changes If you have not heard on the news yet, AMEX is making some big changes. http://www.thewbalchannel.com/consumeralert/9616172/detail.html Read for yourself! All I know if my gold card gets anymore expensive or the blue card becomes less appealing, I will drop both of them.
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Author: spjoink
Posted: Wed Aug 02, 2006 9:11 pm
Post subject: wonder what Mouse will say...hehehe[/img][/list][/list][/code][/quote]
Author: Tek
Posted: Wed Aug 02, 2006 9:23 pm
Post subject: spjoink wrote: wonder what Mouse will say...hehehe[/img][/b][/list][/list][/code] It does say, "CREDIT CARDS". Not "CHARGE CARDS". If you wanted to be technical. I am waiting for MOUSE as well.
Author: rapjunkie
Posted: Wed Aug 02, 2006 9:24 pm
Post subject: American Express Credit Card Changes I'm not very concerned... I've got Amex Blue, which doesn't get any double rewards, and don't have any Amex charge cards with annual fees.
Author: mouse
Posted: Thu Aug 03, 2006 8:17 am
Post subject: American Express Credit Card Changes I already know about it It is not all AMEX cards You will be notified I HAVE BACK-UP CARDS "IF" IT AFFECTS ONE OF MY CARDS I WILL JUST DO A 2 into 1 AND CLOSE ONE I have seen a partial list on another board (CALL AND ASK IF YOUR CARDS ARE ON THE LIST) DELTA was not on the partial list I saw You can always trade for a different AMEX card
Author: Board Monitor
Posted: Thu Aug 03, 2006 8:23 am
Post subject: American Express Credit Card Changes Heard about this too. Was pretty surprised. Either they are losing money or just wanting to make more money. I'm guessing it's the later. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
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Amex One Credit Card Review
Author: shan
Posted: Thu Aug 03, 2006 4:05 am
Post subject: AmEx One card Hi, I'm new here, but have been reading nonstop for days! Lots of great advice! I have a few questions maybe someone could help with. I was just instantly approved for the One card from AmEx. I would have liked to have gotten the Blue, but read that the One card was easier to get. I am now feeling brave and thinking I might try for the Blue, but don't want to push it. I have a short credit history(7 mo), limited income and only a secured card from BofA, but PIF each month. Credit score is about 700. Any advice would be appreciated. I have been patient for 7 mo and don't want to overdo it and mess up what I am finally starting to build. In the last week I have applied for the BofA/MBNA Rewards AmEx card, Citibank Visa Platinum, and Target Red (approved for Target, still waiting for answers on other 2). BTW, MBNA pulled from EX upon app 5 days ago and they just did another pull from TU today. Is this a good or bad sign or does it mean nothing? Info is about the same on both, but less inq on TU. I hope the 2 inq are worth it. I don't know what it has done to my score, but I recently had 12 point drop in my EQ Fico for one new inq and I only had one other on there that was over a year old! Does anyone know about the AmEx One card? How does the "no set limit" policy work? I'm assuming no reported limit won't help my credit much. Oh well, I'm really excited about getting it anyway!! It is definitely needed! Sorry for the long post. Thanks in advance for your help!
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Author: davidfronue
Posted: Thu Aug 03, 2006 4:55 am
Post subject: Amex One Credit Card Review I cant tell you much about amex besides that the no pre set limit does not mean much. You still are asigned a Exposure limit where with that card maybe around 5k. But as far as mbna goes that second pull they did could mean two things. First they believed that the experian report didnt provide them as much info as they nedded or thought that there was something else reporting to trans union for example an acount that has been open for a while that wasnt reporting to Experian. Which ofcourse would make them feel more confortable to approve you. Or they did that just to confirm the information matched and if they did you are approved. I have seen both of those things happen and this is 100% true Also I can gurantee you if you call 1800 421 2110 and ask for the credit department they will have the decision for you so hope this helps
Author: janzzy
Posted: Thu Aug 03, 2006 6:18 am
Post subject: Amex One Credit Card Review hi i to have a short credit history(8 mo)i applied for the BofA/MBNA Rewards AmEx card and was approved for it with a $5000 credit limit . i hope this helps you i do all so know that they would like to see a year are more of credit for the blue card by amex , you can try Chase i just got two cards from them , but don't do what i did i now have to many credit cards 13 0f them 10 being visa & mastercards :[/b]
Author: mouse
Posted: Thu Aug 03, 2006 7:55 am
Post subject: Amex One Credit Card Review NOT ON MY WANT LIST Just too strange "IF" you want an AMEX "CHARGE" card get GREEN/GOLD/PLATIMUM I only have AMEX "CREDIT" CARDS
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Nasa FCU Visa Platinum Credit Card Approval
Author: spjoink
Posted: Thu Aug 10, 2006 1:30 pm
Post subject: Got my Nasa fcu visa platinum today!! I recived my new Nasa FCU Visa platinum card today . I got it in 4 days ...it came with a nice limit of $30 000....they approved me for 20k but after sending them my w2 i got 10k more... Very nice people , and not bad terms either. 9.9 % fixed apr , same for cash withdrawels, and with your nasa checking account you can use most atms fee free . They also have great rates on carloans. All you gotta do is to become member of national space society for $ 20 .
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Author: rapjunkie
Posted: Thu Aug 10, 2006 3:04 pm
Post subject: Wow - congratulations! That's outstanding.
Author: spjoink
Posted: Thu Aug 10, 2006 3:35 pm
Post subject: Nasa FCU Visa Platinum Credit Card Approval Thanks Rapjunkie, but Penfed denied me, the rep was also kinda rude...maybe i should call again...??
Author: timmbukk
Posted: Thu Aug 10, 2006 4:51 pm
Post subject: Nasa FCU Visa Platinum Credit Card Approval CONGRATS. APPROVED INSTANT ONLINE 50K TODAY.
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Discover Platinum Credit Card Review
Author: Allen
Posted: Fri Aug 11, 2006 12:15 pm
Post subject: Discover Platinum Card I just applied online for the Discover Platinum Card. I was just wondering if anyone has had any good or bad experinences with this card. Please let my know. The card features: 0% apr for intro of 12 months 5% cashback from select merchants 1% cashback everywhere else 10.99% regular apr
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Author: jlrdc909
Posted: Fri Aug 11, 2006 1:41 pm
Post subject: Discover Platinum Credit Card Review I have the Discover Platinum Card and rate it as very high. The Customer Service of Discover is top-notch! Personally I have never had a problem with them, and rate that as one card I would never part from. They use a 2 cycle billing for interest, so PIF each month
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Juniper Credit Card Credit Card Limit Increase Tips
Author: AJ
Posted: Fri Aug 11, 2006 6:37 am
Post subject: Juniper/Barclay Bank MC They acutually gave me a CLI without asking. The account has only been open since Jan 06. I have a 8.9 fixed and an increase of 1000
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Author: Board Monitor Posted: Fri Aug 11, 2006 8:54 am Post subject: Interesting. Didn't think they did this. Enjoy! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
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Penfed Credit Card Review
Author: spjoink
Posted: Thu Aug 10, 2006 3:33 pm
Post subject: Penfed denied me After getting my Nasa visa , i also became member of Penfed..today i applied for a penfed plat card...GOT DENIEd!! I called for a reconsideration....they said i had to much unsecured credit available??!! Strange i think , because i never had that happened to me before , and a lot of my cards dont show limits and nasa hasnt posted. what you guys think?
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Author: mouse
Posted: Thu Aug 10, 2006 5:10 pm
Post subject: Re: Penfed denied me spjoink wrote: After getting my Nasa visa , i also became member of Penfed..today i applied for a penfed plat card...GOT DENIEd!! I called for a reconsideration....they said i had to much unsecured credit available??!! Strange i think , because i never had that happened to me before , and a lot of my cards dont show limits and nasa hasnt posted. what you guys think? WAIT LIKE 6 MONTHS AND APPLY AGAIN or MOVE ON TO ANOTHER CREDIT CARD
Author: jlrdc909
Posted: Fri Aug 11, 2006 6:31 am
Post subject: Penfed Credit Card Review I have a penfed Visa, I rate it as fair. Not by far one of the best card. I would not loose any sleep over it NASA seems to be beating the pants off PENFED
Author: spjoink
Posted: Fri Aug 11, 2006 8:39 am
Post subject:Penfed Credit Card Review thanks, i spent $40 on it ...$ 20 for the membership fee and $20 to fnd the account...well well you learn from your mistakes
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MBNA Credit Card Limit Increase After 3 Days
Author: usmsci Posted: Tue Aug 08, 2006 4:16 pm Post subject: MBNA CLI after 3 days.. i really messed up.. ideas please... i received a BOA World points card with an initial CL of $3,600 and 0% APR for 12 months on purchases and BT's with a 3% BT fee with no maximum. i transferred $3,450 with a fee of $103.50 for that BT. Now i feel stupid. i read on here where MBNA was soft for giving CLI's so i decided to ask for an increase after i made the BT. remember my balance is now $3,553.50 out of $3,600 CL. so its been 4 hours and i logged back into the site and they gave me an increase to $6,000. is there anyway to call them back ask for them to see if i can pay them back the $3,450 they gave me and then do a BT again? i dont want to have to, lets say BT another $2,200 and pay another 3% fee which would be $66.00. EDIT: i feel stupid. i see that regardless i would be paying the same amount. if i was to BT $5,650 then the BT fee would have been $169 which is the same as making 2 BT's..for some reason i thought that was different. i guess it WOULD be different if there was a $75 cap but in this case its not. Some of you might say its not worth it but i dont plan on putting the money back into my HELOC after the 12 months expires. the simple reason is is that i have a fixed 7.9% from then on which is less than prime+2-3.5 that i am paying on my HELOC. I guess people were right about MBNA. they pulled experian which has no derogs, perfectly clean. NOW i cant wait til my MBNA world points comes in with ONLY a $2,500 CL. i will for sure ask for a CLI or should i wait til i BT? what do you think.. do you think the only reason i got a CLI was because i was practically at my limit with the first BT or would i have gotten the CLI anyway. in the form online they ask you to give them a credit limit that you are asking for or for you just to leave it up to them so i just put $6,000 b/c i didnt want to be over eager. in hindsight i should have put in $10K.
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Author: hesiden
Posted: Tue Aug 08, 2006 4:27 pm
Post subject: Re: MBNA CLI after 3 days.. i really messed up.. ideas pleas usmsci wrote: thoughts? %3 BT fee with no cap sucks. Citi has 0% APR for 12 month no fee BT for most of their cards.
Author: usmsci
Posted: Tue Aug 08, 2006 4:30 pm
Post subject: Re: MBNA CLI after 3 days.. i really messed up.. ideas pleas hesiden wrote: usmsci wrote: thoughts? %3 BT fee with no cap sucks. Citi has 0% APR for 12 month no fee BT for most of their cards. yeah well CITI checks EQuifax and i have 2 derogs from 5 years ago and 7 years ago and therefore i cannot get accepted. it seems that all BOA and MBNA cards are 3% no cap. Chase and AMEX have a cap at $75.
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Author: usmsci
Posted: Tue Aug 08, 2006 6:16 pm
Post subject: MBNA Credit Card Limit Increase After 3 Days just received my 2nd BOA card that i applied for through MBNA. CL was only $2,500 but came with a fixed 13.99 APR after the 12 month 0.0% for purchases and Bt's. the first BOA card came with a 7.90% fixed after the 12 month period so he just said he would combine the 2nd card with the 1st card so that gives me a $8,500 CL now after getting the CLI to $6,000 on the other card. Now i feel sick because i could have waiting to see if i could get a CLI on the 2nd card THEN make a transfer to the other card but oh well. The BOA rep also said that its counts as GOOD on my credit report if i combine 2 cards into 1. is this so and why? thanks for listening!
Author: fire3000
Posted: Tue Aug 08, 2006 6:37 pm
Post subject: MBNA BT MBNA charges a 3% BT fee with no cap. So go ahead and make your additional BT. Canceling the first BT and replacing it with one larger BT will not save you money in fees because they are not capped (a straight 3% on the total amount borrowed).
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Monthly Gross Income on Credit Card Application
Author: FaithNGrace
Posted: Tue Aug 08, 2006 7:40 pm
Post subject: Gross Monthly Income? I just got a pre-approval notice for a pretty good card. I want to accept it, but one of the questions it asks is "Monthly Gross Income". Would that be my income or the household income? I am a student with loans (I guess that would be my income). Obviously, the application would look much better if I listed the household (my parent's) income. What do I do? Thanks! _________________ FaithNGrace slowly learning about the wonderful world of credit!
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Author: mouse
Posted: Wed Aug 09, 2006 12:27 am
Post subject: Re: Gross Monthly Income? Quote: "FaithNGrace" I just got a pre-approval notice for a pretty good card. I want to accept it, but one of the questions it asks is "Monthly Gross Income". Would that be my income or the household income? I am a student with loans (I guess that would be my income). Obviously, the application would look much better if I listed the household (my parent's) income. What do I do? Thanks! DOES IT SAY YOUR INCOME or HOUSEHOLD INCOME??? I don't do INDIVIDUAL INCOME anything NO HOUSEHOLD INCOME...NO APPLICATION WILL HAPPEN
Author: gsr
Posted: Wed Aug 09, 2006 3:44 am
Post subject: Monthly Gross Income on Credit Card Application sorry to steal the thread but what happens if you put your household income into your individual income space?
Author: jlrdc909
Posted: Wed Aug 09, 2006 6:15 am
Post subject: Monthly Gross Income on Credit Card Application To: GSR: If you do that, the credit card police will come, line you up, give you a final cigarette, then possibly shoot you To be honest, Most MC/Visa issuers are not so much concerned with income as is AMEX/DC.
Author: fire3000
Posted: Wed Aug 09, 2006 7:40 am
Post subject: The card will be in your name as stated on the pre-approval letter. So obviously they want to know only your income, not your parent's income. If you are a student, they will approve even if you have very little income, but the credit limit will be low.
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American Express Optima Platinum Credit Card Review
Author: Tek
Posted: Wed Aug 09, 2006 9:54 pm
Post subject: AMEX Optima? Can somebody explain to me what the Optima Platinum card is and why it is different than a blue card for example?
Author: Polonius
Posted: Thu Aug 10, 2006 1:12 am
Post subject: American Express Optima Platinum Credit Card Review The Optima card is a standard AmEx charge card. It has a credit limit, you can carry a balance, you can sign it up for a rewards program for a fee if you choose. It's nothing special in my opinion. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
Author: Board Monitor
Posted: Thu Aug 10, 2006 8:39 am
Post subject: American Express Optima Platinum Credit Card Review Quote: It's nothing special in my opinion. More of a marketing thing. Cool word, though. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
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1st Financial Bank USA Credit Card Review
Author: zach383z
Posted: Wed Aug 09, 2006 6:06 pm
Post subject: What is with 1st Financial Bank USA???? This is my very longest credit card I have, got it when I was 18 and now have had it for 3 years, they still have a $150 CL on the card, it is almost worthless. I dont want to close it out because it is my longest credit history, but they arent too willing to raise my credit limit. I have other cards with $3k limits on them. I am just wondering if anyone has any experience with them.
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Author: EasyRhino
Posted: Wed Aug 09, 2006 6:30 pm
Post subject: 1st Financial Bank USA Credit Card Review I haven't heard of them, but you could always just sockdrawer the card. Don't close it, just file it away and forget it. (assuming it doesn't have any fees). They might close the card after lengthy inactivity, but if they do, it's not really a huge loss. The closed credit line will still be reported on your credit report with a positive history from a long time ago.
Author: zach383z
Posted: Wed Aug 09, 2006 7:01 pm
Post subject: 1st Financial Bank USA Credit Card Review any idea how long they let it go with inactivity before closing a card?
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How Does Closing a Credit Card Affect Your Other Credit Card Applications?
Author: timmbukk
Posted: Tue Aug 08, 2006 6:45 pm
Post subject: CLOSING OUT CARDS....GOOD OR BAD?? I want to narrow my card collection, but I do not want to hurt my score. If I decide to close out a a few starter cards that I have had for 3 years with a positive history, will it cause harm to my score?? Will they remain on my report?? I just have too many tradelines and I want to clean my profile up a little. Thanks for any input.
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Author: hesiden
Posted: Tue Aug 08, 2006 11:53 pm
Post subject: Closed cards stay on your report, so you are not "cleaning" it any. Closing cards is usually a bad idea. Your "starter" cards are probably your oldest and you want to keep the oldest cards. You might be able to convert the starter cards into something better, depends upon issuer and card type.
Author: mouse
Posted: Tue Aug 08, 2006 11:55 pm
Post subject: Re: CLOSING OUT CARDS....GOOD OR BAD?? Quote: "timmbukk" I want to narrow my card collection, but I do not want to hurt my score. If I decide to close out a a few starter cards that I have had for 3 years with a positive history, will it cause harm to my score?? Will they remain on my report?? I just have too many tradelines and I want to clean my profile up a little. Thanks for any input. Does they have a fee??? If not don't close them... $5 or $10 every 6 or 12 months works and PIF
Author: mantras
Posted: Wed Aug 09, 2006 9:42 am
Post subject: I believe closed accounts drop off your report 7 years after being closed and inactive. If you have recent cards with no perks I'd try to combine to an old card. You can usually combine if its the same company. Of course there are exceptions.
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How to Get Accepted to USAA Credit Cad
Author: davidfronue
Posted: Wed Jul 05, 2006 4:16 pm
Post subject: I JUST MISSED ON USAA Man I can't believe it. I know that USAA only accepts if you are military or have someone in military but I know people that called on the phone and they let them sign up for checking or savings as long as they dont take any insurance product you dont have to be in military so they can get one of their CC. So I was thinking about it for a while so I called in today and guess what since JULY 1. 2006 no more. I thought what?? I asked the CSR if there is anything they can do. She said sorry do any of you guys know any other way. Please post if you do thanks
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Author: Kajjers
Posted: Wed Jul 05, 2006 7:27 pm
Post subject: Sorry The non-military deadline was 6/29.
Author: mouse
Posted: Wed Jul 05, 2006 8:50 pm
Post subject: How to Get Accepted to USAA Credit Cad I DON'T HAVE ONE AND I'M NOT SHEDDING A TEAR BECAUSE I CAN'T GET ONE... AMEX...BofA...CITIBANK...MBNA...CHASE...MANY OTHER "PRIME" CARDS ARE NOT GOOD ENOUGH???
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Author: QikPass
Posted: Wed Jul 05, 2006 9:39 pm
Post subject: How to Get Accepted to USAA Credit Cad Whats the big deal with USAA anyway??? Wht\y are they so special that you NEED to get one? I'm with Squeaky George on this one.... Move de heck on. _________________ Fortune Favors The Bold...
Author: Board Monitor
Posted: Thu Jul 06, 2006 8:37 am
Post subject: How to Get Accepted to USAA Credit Cad I think the consumer reputation friendly of USAA is what some folks find attractive. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
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NASA Federal Credit Union Credit Card Review
Author: davidfronue
Posted: Wed Jul 05, 2006 4:21 pm
Post subject: NASA FCU ROCKS Ok in my previus post I was complaining about USAA but I find out about this bank NASAFCU. I know 4 people applied with avarage scores got approved for 50.000 credit card limit. They do ask for Income verification but hey 50.000 I never heard of that big starting limit I am thinking my self to apply I just thought I let you guys know oh and BTW you only have to join one of the assocations to be qualified for their products
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Author: timmbukk
Posted: Sat Aug 05, 2006 2:34 pm
Post subject: how do you join?
Author: hdporter
Posted: Sat Aug 05, 2006 7:14 pm
Post subject:NASA Federal Credit Union Credit Card Review If you aren't an employee of one of the affiliated employee groups, you need to be a member of one of four associations the are affiliated. The most appealing of these associations is the National Space Society, if for no other reason than that it's $20 membership fee ($18 for students) is the smallest of those groups. That said, if you're into all things NASA, it's a fascinating group. NASAFCU: http://www.nasafcu.com/ NSS: http://www.nss.org/
Author: timmbukk
Posted: Sat Aug 05, 2006 8:17 pm
Post subject: NASA Federal Credit Union Credit Card Review hd...do you have an account there??
Author: hdporter
Posted: Sat Aug 05, 2006 9:46 pm
Post subject: No, but that's been a matter of procrastination. It's definitely on my near term todo list. btw, re the association membership, there's no requirement that you maintain the membership after joining the credit union. - H.
Author: timmbukk
Posted: Sat Aug 05, 2006 9:47 pm
Post subject: those initial limits are insane!! Is it true??
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Fraud Alert on Credit Report
Author: BigDog
Posted: Tue Aug 08, 2006 11:51 pm
Post subject: HOW TO APPLY FOR CREDIT WITH A FRAUD ALERT ??? I put a fraud alert on my credit report about a month ago, because there where inquires made I did't know anything about. I had my wallet stolen from the gym 3 months ago and am keeping a close eye on my CR. I want to apply for a business CC and have no idea what to expect??? In other words -what happens when you apply for credit with a fraud alert on your report.
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Author: mouse
Posted: Tue Aug 08, 2006 11:53 pm
Post subject: Re: HOW TO APPLY FOR CREDIT WITH A FRAUD ALERT ??? Quote: "BigDog" I put a fraud alert on my credit report about a month ago, because there where inquires made I did't know anything about. I had my wallet stolen from the gym 3 months ago and am keeping a close eye on my CR. I want to apply for a business CC and have no idea what to expect??? In other words -what happens when you apply for credit with a fraud alert on your report. CROSS THAT BRIDGE "IF" YOU COME TO IT
Author: BigDog
Posted: Wed Aug 09, 2006 8:48 am
Post subject: Fraud Alert on Credit Report I am at the foot of that bridge, but don't know if that bridge can hold the weight of the fraud alert I put on my Credit Report without caving in.
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Penfield Credit Card Review
Author: spjoink
Posted: Tue Aug 08, 2006 3:21 am
Post subject: Does Penfed pull a hard for setting up a mebership account ? How do you best apply for a PenFed creditcard....and which card do you guys recommend?
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Author: jlrdc909
Posted: Tue Aug 08, 2006 5:55 am
Post subject: Penfield Credit Card Review I am a PENFED customer, YES they do pull a hard inquiry for setting up a checking account and they automatically give you a line of credit/overdraft. Also, if you plan to apply for a credit card, they ask YOU what limit you want, then approve, deny or make a counter offer for a lower limit. Try the Platinum cash rewards, they give you 1.25% credit to your account monthly
Author: spjoink
Posted: Tue Aug 08, 2006 10:30 am
Post subject: who will they most likely pull from ....equifax?
Author: requiredfield
Posted: Tue Aug 08, 2006 11:05 pm
Post subject: Penfield Credit Card Review I did a quick search at... -http://creditboards.com/forums/index.php?autocom=creditpulls It looks like it will be EQ although the listed pulls are from 05 and 04.
Author: mouse
Posted: Wed Aug 09, 2006 12:17 am
Post subject: Penfield Credit Card Review PENFED pulls a hard for the membership THE SAME HARD CAN BE USED FOR MULTIPLE PRODUCTS FOR 90 DAYS CREDIT CARD SAVINGS CHECKING LOANS
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Personal Loan to Pay Off Credit Card Debts
Author: osudiz
Posted: Wed Aug 09, 2006 3:16 am
Post subject: getting personal loan to pay off credit debts? Hi I'm a recent college graduate and I have credit debts from 1 card (10,000) and one other card (4700) so total around $15000 in debt. right now i'm paying minimum monthly payment fee for both of them, first card for around $400/ month and second card $150 per month, total $550 per month... I was wondering, since my credit card APR rate is crazily high like over 20 percent, is it better for me to get a personal loan from bank for about 15000 and pay off the credit card and then repay the bank 15000 for 60 months? i don't have a job yet, and i'm in dillema how to pay off the debt and monthly payment is too high for both cards... i don't know what to do at this point. my credit score is 629 if the personal loan is good option, what is the good rate and any one can recoommned good personal loan bank? which rate is acceptable?? many banks offer educational loan, but i don't go to school now, but i will atten grad school next year so i can't get edcuational loan instead of personal loan rite? Please help! I wanna get outta this debt AsAP, BUT it seems impossible rite now! I'm going to start working from next week, i don't have any money left in bank... but the credit card payment date is coming up, I am going crazy... what are my options? the credit cards offer payment holidays or something for unemployeed ? or i need to bankrupt if i can't pay monthly payment (minimum?)
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American Express One Credit Card
Author: shan
Posted: Tue Aug 08, 2006 1:50 am
Post subject: Amex One- charge card? eastbaykitten wrote: Amex One is a charge card and can't be made into a credit card. It will get your foot in the door for other Amex products later on though. I'm confused...from what I have read, a charge card is due in full each month and has no listed APR. My card has all the features of a credit card, except for a set limit. It has an APR, a 30 day grace period, minimum payment amount, etc. Is there something I'm missing? My agreement does state, "You may extend payment of the new balance(excluding amounts are due in full such as fees, dishonored payments, all purchases posted to your account after ability to extend payment is suspended for any reason). We may change what charges are eligible for extended payment at any time. Any charges not eligible for extended payment or any charges for which you have elected not to extend payment will be due in full..." Can someone clarify this please? Is this really a charge card in disguise? Does anyone else have this card? I would appreciate your help before I have to call Amex and try to find someone who can explain it.
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Author: Board Monitor
Posted: Tue Aug 08, 2006 8:36 am
Post subject: American Express One Cedit Card Don't think it is a charge card. The fact that they list an interest rate implies that it isn't a charge card. Also, an AmEx charge card will typically have the following late fee: Varies from state to state, from zero to the greater of $30 or 2.9% of delinquent balance. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews
Author: shan
Posted: Tue Aug 08, 2006 1:35 pm
Post subject: American Express One Credit Card Thanks for helping to clear that up!
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Author: eastbaykitten
Posted: Tue Aug 08, 2006 9:27 pm
Post subject: American Express One Credit Card I applied for this card via phone when I was declined for Costco. It's a charge product but it has credit characteristics. If you read the fine print on the application: "3 Purchases are approved based on a variety of factors including account history, credit record, and personal resources. " I have heard negative responses to this. That people with lower level credit get the One card but are declined for others and have been turned down for purchase at the register and have to call in to maybe get it approved. That's only what I've been told when considering this card from 5+ people. Basically the terms don't merit except the free initial $50 in your savings that will cover the cost of the annual fee. I have been advised not to carry balances and to not try to treat this like a credit card (reviews etc) but it does get the foot in the door at AMEX. That's just my opinion. Call AMEX and ask them your questions. They know the ins and outs of this "hybrid" card. To me it was just too funky. I even called back 3 times for clearer descriptions. The bottom line for me was Me: "Amex, can I convert this to blue or any other credit card?" Amex "No. Ms. XXXXX, this is a charge card and cannot be converted to a credit card, however I can run an application for you for another card if you wish?" x4 CSR's.
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USAA Credit Card Review
Author: fitz75
Posted: Wed Apr 26, 2006 3:15 pm
Post subject: USAA AMEX The USAA Amex card looks really sweet. Surprised they got away with making it all black.
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Author: bullwinkle29
Posted: Wed Apr 26, 2006 4:59 pm
Post subject: USAA Credit Card Review http://home3.americanexpress.com/corp/pc/2004/lawsuit.asp
Author: davidfronue
Posted: Thu Apr 27, 2006 1:15 am
Post subject: USAA Credit Card Review well let us see how does it look like I could not find it anywhere
Author: David
Posted: Thu Apr 27, 2006 2:47 pm
Post subject: USAA Credit Card Review That works man I spent 20 min looking for one on the net lol any way looks good but you have to be a member of usaa or something to apply right
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Author: fitz75
Posted: Thu Apr 27, 2006 2:53 pm
Post subject: Yea I applied and got mine last night. You need to have some sort of military affiliation. A good reason to run out and join the marines!
Author: TomfromCT
Posted: Thu Apr 27, 2006 5:22 pm
Post subject: [quote="bullwinkle29"]http://home3.americanexpress.com/corp/pc/2004/lawsuit.asp[/quote] AMEX dropped BOA out of the lawsuit as after the merger of boa and MBNA, boa has agreed to continue issuing the MBNA co branded amex card
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Tips For Credit Cards With No Credit History
Author: ImPulSiVe
Posted: Sun Aug 06, 2006 1:57 pm
Post subject: I have no credit history... And have no idea what im doing! Alright, as the title mentions, I have no credit history and my parents are afraid to "cosign" anything for me. The whole reason for me wanting a credit card is to establish credit so that when im older, i will pay less, rewards, ect. Anyways... Im 20 years old and honestly never thought about a credit card until now... Ive always used cash but, now im thinking carrying a card will be better and much safer for me. The main problem that im facing is, I can apply for credit cards but I will easily get declined (as I have been declined twice already). I tried signing up for the Amex blue and the CitiBank Divident Plat. I received a form from Discovery card (student) and sent it back out (dont know if im accepted or not). So, im basically looking for ways to give myself credit so that I can well, get myself a credit card and have great credit when im older. Ive checked out the forum and found great information but, figured a thread will give me direct answers to my questions... I heard I can go to the mall and get a department store credit card but, I dont go shopping! So, why bother? I heard I can get a "gas" card but, Dont they require somewhat credit? A secured card... Ive heard they dont offer them as much anymore? I heard I can go to the bank ask for a loan and before I get the money, pay them back? Id like to ask if the age of 20 is too late to start? Or am I at the "right" age/little late? How long will it take for me to start establishing credit? Thank G_D for a forum like this and for the maturity on this forum!
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Author: timmbukk
Posted: Sun Aug 06, 2006 7:02 pm
Post subject: ehhh. u started out applying for amex blue and citi platinum, not a good move. Are you a student?? If so, student cards would be your best bet. Do you have any negative info on your credit report?? If not, then try a target card or some other dpet store card. You have to begin somewhere
Author: ImPulSiVe
Posted: Sun Aug 06, 2006 9:29 pm
Post subject: Tips For Credit Cards With No Credit History yea, i was pretty dumb I have nothing... so, guess i gotta start with one of those dept cards
Author: timmbukk
Posted: Mon Aug 07, 2006 12:51 pm
Post subject: Tips For Credit Cards With No Credit History If you do not have anything bad, my first cards were cap one, chase, and discover student.
Author: caligirl
Posted: Mon Aug 07, 2006 5:01 pm
Post subject: Tips For Credit Cards With No Credit History If you do decide to go with a Secured Card, I have been happy with Bank of America (no problems, treated like a normal customer, but did require a Bof A Chequing account) and very unhappy with First Premier (terrible service, hold payments even if you have never been late).
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Chase Perfect Credit Card Offers Double Points
Author: stevejk
Posted: Tue Aug 08, 2006 9:07 am
Post subject: Chase PerfectCard offers double rewards Received a card from Chase that they are paying 2% cash back on non-gasoline purchases on their PerfectCard (formerly known as Freedom Card) for the months of August and September. Gasoline purchases still pay 3% cash back, $15 max per month. Non-gasoline purchases are exempt from the $15 limit.
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Author: usmsci
Posted: Tue Aug 08, 2006 10:00 am
Post subject: Re: Chase PerfectCard offers double rewards stevejk wrote: Received a card from Chase that they are paying 2% cash back on non-gasoline purchases on their PerfectCard (formerly known as Freedom Card) for the months of August and September. Gasoline purchases still pay 3% cash back, $15 max per month. Non-gasoline purchases are exempt from the $15 limit. i think i got the chase flexible rewards visa...which allows me to use all of the rewards or to pick one.. im not too sure.. its confusing..
Author: jimmyjack
Posted: Tue Aug 08, 2006 10:29 am
Post subject: Chase Perfect Credit Card Offers Double Points I called Chase and inquired about this, because I have the Perfect Card (was Freedom) but haven't seen the flyer you reference. I was told this offer was only for new accounts. Are you an existing card holder? Could you provide any additional detail (excluding any personal info of course) from the flyer if you are an existing card holder? I don't typically use this card but have to make fairly sizeable auto and life insurance premiums this month, so it would be convenient if I'd qualify. Thanks.
Author: usmsci
Posted: Tue Aug 08, 2006 10:32 am
Post subject: Chase Perfect Credit Card Offers Double Points jimmyjack wrote: I called Chase and inquired about this, because I have the Perfect Card (was Freedom) but haven't seen the flyer you reference. I was told this offer was only for new accounts. Are you an existing card holder? Could you provide any additional detail (excluding any personal info of course) from the flyer if you are an existing card holder? I don't typically use this card but have to make fairly sizeable auto and life insurance premiums this month, so it would be convenient if I'd qualify. Thanks. you talking to me? if you go to chase.com they advertise the flexible rewards card.
Author: jimmyjack
Posted: Tue Aug 08, 2006 10:41 am
Post subject: Chase Perfect Credit Card Offers Double Points Sorry - no. I was referring to the flyer stevejk is referencing that mentions paying 2% on regular purchases through Aug. & Sept.
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