Popular Cash Back Credit Card Announces Enhanced Cash Rebate

Post subject: Popular Cash Back Credit Card Announces Enhanced Cash Rebate
Guest: Board Monitor
Posted: Fri Apr 29, 2005 2:28 pm

Blue Cash from American Express, a popular cash back credit card, will be offering an enhanced cash rebate program effective May 8th, 2005.

More info. here:

http://www.cardratings.com/creditcardnews/2005/04/popular-cash-back-credit-card.html

Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314

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Guest: CreditCardGuru
Post subject: Popular Cash Back Credit Card Announces Enhanced Cash Rebate
Posted: Fri Apr 29, 2005 6:17 pm

Thanks, but do you know of any other good rebate card that are VISA?
I'm the Credit Card Guru, YOU BET

Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Popular Cash Back Credit Card Announces Enhanced Cash Rebate
Posted: Mon May 02, 2005 2:41 pm

Curtis,

Best I can say is I'm underwhelmed. I'll stick with my current rebate cards which offer much higher rebates for the first $6,500.00 in purchases. The break-even point is quite far down the road.

Guest: milavant
Post subject: Popular Cash Back Credit Card Announces Enhanced Cash Rebate
Posted: Tue May 03, 2005 8:45 am

That may be the case for you, but if you charge $30,000 + annually, and not all on gas, the AMEX cashback or Blue Cashback is far better than anything on the market, including CITI Dividend. Citi limits you to $300 annually, and almost all gas, groceries, and supermarkets take AMEX as well as Mastercard. Plus, over $6500, with the new tiers, AMEX pays 1.5% , not 1% like Citi, on "non-everyday" purchases.

For me, I get almost $600 back on AMEX every year. This is just like maxing out two Citi Dividend cards annually.

The Citi Dividend card, on its own (unless you want to get two of them) can't beat this yearly earning, and certainly can't match the 1.5% over $6500.

I am looking at a whole year's heavy charging, and AMEX cashback is certainly my main card.

It amounts to doing the math, figuring out what type of charging you do annually, and then making a choice.

Therefore, I am NOT "underwhelmed" by the new terms for AMEX.

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Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Popular Cash Back Credit Card Announces Enhanced Cash Rebate
Posted: Tue May 03, 2005 11:48 am

I definitely see your point. If I was charging that much I'd think the same way. Thank you for pointing out that my thinking in this case was much too narrow. I enjoy learning other people's point of view as it expands my own.

Guest: milavant
Post subject: Popular Cash Back Credit Card Announces Enhanced Cash Rebate
Posted: Tue May 03, 2005 3:40 pm

Ira, your thinking is not "narrow," and I certainly did not mean to imply that it is. I know you like the Citi Dividend card, and that is your right.

I used to have this card back in the "1%" days, and had I known that the rebate percentages were going to change, I would not have cancelled it.

I respect your opinions. I read your postings and have learned a lot from you. Please do not think I was implying you are "narrow"- minded.

I just see this one issue (AMEX new terms) differently, based on my spending. Your spending is an entirely different issue.

Have a nice day!

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Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Popular Cash Back Credit Card Announces Enhanced Cash Rebate
Posted: Tue May 03, 2005 4:20 pm

Good heavens no! It's the problem with the written vs the spoken word. It's very difficult to use vocal inflections in writing. Truth is I was COMPLIMENTING you. *I'M* the one who is saying that my thinking was, at least in this instance, a bit on the narrow side. My comments were sent with all the sincerity I could muster, and I'll repeat that I honestly love to learn that my view point isn't the only one in the sand box, and sometimes may not even be the most valid one.

You're apologizing for expanding my thinking? Sorry, that kind of apology is NOT accepted!

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Guest: Nick
Post subject: Popular Cash Back Credit Card Announces Enhanced Cash Rebate
Posted: Mon May 09, 2005 8:04 pm

I think using Citi Dividend Platinum Select Card and the American Express Blue Cash together will allow you to earn even higher rebates.

This would be the strategy.

1. Use the Citi Dividend Platinum for "everyday purchases" as defined as purchases from standalone supermarkets, gas stations and drugstores. Earn 5% rebate.

2. Use the Blue Cash for "other purchases" for your first $6,500 in spending. Earn 0.5% rebates.

3. Once you have exceeded the $6,500 threshold of the amex blue cash, you can either charge everything to the blue cash, or continue to use the Citi Dividend for "everyday purchases" (earn 5% rebate) and the Blue Cash for "other purchases". (earn 1.5% rebate)

guess the reason this works is cash rebate credit cards with simple rebate formula does not pay more than 1% on "other purchases", while tiered rebate cards pay more than 1%, but only after a certain level of annual spending on the card and/or if you carry a balance.

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Popular Cash Back Credit Card Announces Enhanced Cash Rebate
Posted: Mon May 09, 2005 8:45 pm

Even though I applied and got the AMEX CASH BACK CARD ($20,000) I'm still not sure it will pay off vs AMEX DELTA

AMEX DELTA doesnt have "TIERS"

You'll always earn Double Miles on every eligible dollar you spend at supermarkets, drugstores, gas stations, home improvement and hardware stores, and the U.S. Postal Service. You can also earn Double Miles when you use your Card to pay your wireless phone bill and for Delta purchases.

They also offer double miles from time to time for like one month...(so you end up with double miles on EVERYTHING)

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Guest: CreditCardGuru
Post subject: Popular Cash Back Credit Card Announces Enhanced Cash Rebate
Posted: Mon May 09, 2005 10:18 pm

I thought the Blue gave good rebates, but according to that other guy they dont?!
I'm the Credit Card Guru, YOU BET

Improving Your Credit Score

Post Subject: Improving Your Credit Score
Guest: mkd111
Posted: Mon May 09, 2005 11:43 pm

All,

I recently maxed my CC that had a 10k limit on it by paying for a recruiter via my card. My score dropped from 730 to 649 in one month.

I am looking for likely a two step process to get my score back to where it was in a very short time window. I want to sell my primary car and get something more affordable as well as finish my back yard which will likely cost about 6-7k.

I thought about going and requesting a personal loan at a high rate and then using it to pay down my CC to get a good score and turn-around and refinance the personal loan.

I also have about six thousand in equity on my second car.

Thoughts suggestions on best approach with a score of 649? Credit card, personal loan etc?

Thanks in advance,
MD

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Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Post Subject: Improving Your Credit Score
Posted: Tue May 10, 2005 1:06 pm

Why does this sound like the old vaudville routine? You know, the one where the patient rushes into the doctor's office and says something like,

"Doctor, Doctor! it hurts when do this!"

The Doctor answerers, "Don't do that."

Your score went down when you maxed out your card. Solution: unmax your card! Pay off about half and your scor will go up. How high it will go is impossible to say. Too many variables, but it will go up.

Credit Card Foreign Exchange Rate

Post subject: Credit Card Foreign Exchange Rate
Guest: bobelon
Posted: Tue May 10, 2005 10:31 am

Latest credit card statement chase/bankone exchanged Eastern Caribbean dollars at the rate of 1EC = US$0.3719 PLUS charged a hefty exchange rate adjustment. The current exchange rate is $0.36765 and has been for years. This card, our main one, was orginally First USA then Bankone and now Chase. They just introduced an annual fee. The service is generally good but the costs are killing us. We have a vested interest in their frequent flyer program. Any ideas?

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Guest: CreditCardGuru
Post subject: Credit Card Foreign Exchange Rate
Posted: Tue May 10, 2005 7:54 pm

Talk to them and try to get them to make a deal...threaten to switch to another bank, like BofA.....tell them you want the ORIGINAL terms you had or something like that......after the merger they tried to change my terms, BUT I was able to keep the old ones.
I'm the Credit Card Guru, YOU BET

Guest: Daniel
Post subject: Credit Card Foreign Exchange Rate
Posted: Wed May 11, 2005 6:05 pm

Believe it or not Capital one still does not charge a foreign transaction fee last I looked.
Also most not all credit unions do not charge the fee either.

In the last year many banks have started to increase their foreign exchange fees.

Fixed Rate Credit Card Offers

Post subject: Fixed Rate Credit Card Offers
Guest: Board Monitor
Posted: Fri May 20, 2005 10:46 am

This message posted by e-mail request from one of the visitors to our site:

Are fixed rates on cards available and who has them?

Can credit card companies change your APR anytime for any reason. And, the purchases made prior to the new APR, are they now collecting the new rate on those, or just the new ones.

What is the best card with fixed rates?

What is the best low rated card?
Best Regards,
Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314

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CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!

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Guest: nativechild48
Credit Expert (100+ Posts)
Post subject: Fixed Rate Credit Card Offers
Posted: Fri May 20, 2005 4:29 pm

Bank of America has fixed on their Platinum Visa as long as your acct. is in good standing, and if you already have a variable rate with them in good standing, just call up the CS and ask for a low fixed rate!

Guest: Board Monitor
Post subject: Fixed Rate Credit Card Offers
Posted: Sat May 21, 2005 7:38 am

Hey Native! How are things?!?

Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314

Guest: nativechild48
Credit Expert (100+ Posts)
Post subject: Fixed Rate Credit Card Offers
Posted: Sat May 21, 2005 1:40 pm

Not too bad Curtis; today is our 5th wedding anniversay. Did want to say BOA like to see large payments sometimes and if you pay on time you can ask them and they will be happy to work with you.

Tracking You By Credit Card

Post subject: Tracking You By Credit Card
Guest: rain
Posted: Sat May 21, 2005 12:53 am

I know there're lots of experts here =)

My question is this. You know how hotels or similar businesses require you to guarantee your reservations with a cc? Or for those "2 weeks free" trial offer, where you can sign up for 2 weeks and be charged nothing? All require a valid cc number.

I'm just trying to figure out if there's a free software or method to do this. Does anyone know?

Thanks!

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Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Tracking You By Credit Card
Posted: Sat May 21, 2005 6:53 am

To do what? I'm not sure I understand what you're asking.

For instance, do you want to keep track of the offers you responded to? Are you looking for something that will automatically unsubscribe you before the end of the offer? Plenty of packages that will do the first, but I don't know of any that will do the second.

Guest: rain
Post subject: Tracking You By Credit Card
Posted: Sat May 21, 2005 2:35 pm

Sorry I wasn't specific enough. What I'm trying to do is this:

Look at it from a business perspective, not as a consumer. As a business, I want to track users by their CC, since that seems to be boiling down to a worldwide ID of some sort now. Hotels seem to do it--they require users to have a CC to reserve a room, even if paying by other methods.
So, can I do this too?

If I knew how hotels do it (ie, require users to have a valid cc), or how sites that offer those free 2 week trial, but enter valid CC number first do it, it may be possible to work out how to use the same system for the online biz I'm in. (internet games)

We need to track users when they register for IDs, and the interesting thing really is that cc are becoming more and more like a global ID.....(that's my theory)