AT&T Universal Credit Card Cash Rewards Offer

Author: Guest
Posted: Mon Jun 14, 2004 10:28 am
Post subject: AT&T Universal 5% cash back or only 1% ?

The AT&T Universal Cash Rewards Card shows "5% cash back on purchases until 12/01/2004" which I interpret to mean ALL purchases. However, later they say "5% of purchases made at supermarkets, drugstores and gas stations". So which is it, and how can I be sure? In the application form online, they did not indicate any way to contact them for clarification.

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Author: Eugene
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 265
Location: Brooklyn, NY
Posted: Mon Jun 14, 2004 11:03 pm

They advertise several AT&T Universal cards with different promos and terms. Do a seach on google, you'll find some of them. Whatever you apply for, print out the terms for the record.

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Bankruptcy Friendly Credit Card Company

Author: cataloger69
Guest
Posted: Sun Jun 06, 2004 2:31 pm
Post subject: Worldperks Visa

Rec'd this application the other day. Card sponsored by US Bank. There is a fee for this card which is fine. I'm just kind of tired getting declined for air mileage cards because of previous and now discharged Chapter 13. Credit score is 719 with a 6 figure income. I do have credit now but I have not been able to get an air miles card. Anybody have any experience with this card? I've heard US Bank not Chapter 13 friendly.

Thanks.

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Author: cataloger69
Guest
Posted: Mon Jun 14, 2004 8:45 pm
Post subject: Rejected

Applied for this card. Rec'd rejection today. 719 score with a discharged Chapter 13. I was told that getting a mileage card with a shaky credit past very hard. Guess that was good info.

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2175
Location: Illinois
Posted: Mon Jun 14, 2004 11:15 pm

cardratings.com/newmessageboardfr.html

I don't see them in the list as being a bankruptcy friendly creditor - you might try one of the others listed here. EDIT: Sorry, linking within the site always seems to be a problem for me, Go to a post in the General Credit Section called Piggyback I am going to bump it up for you to check out.

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Searching for Credit Cards with Dining Rewards

Author:tracysbeans
Guest
Posted: Tue Jun 08, 2004 6:30 pm
Post subject: Dining rewards??

Hi! I'm looking for credit card companies who specially have restraunt rewards. I currently have Sears where I use their Pizza Hut and Denny's rewards and I also have Chase and get RedLobster/Olive Garden/Smoking Bones from them. I'm just wanting to know of other cards I can get dining rewards from as those are what we like to use our rewards for. I would like dining rewards where you can get food not coffee from a Starbucks or something. (no coffee drinkers here ) I hope you can help me! Tracy

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Author: mouse
Guest
Posted: Tue Jun 08, 2004 10:36 pm
Post subject: Re: Dining rewards??

tracysbeans wrote:
Hi! I'm looking for credit card companies who specially have restraunt rewards. I currently have Sears where I use their Pizza Hut and Denny's rewards and I also have Chase and get RedLobster/Olive Garden/Smoking Bones from them. I'm just wanting to know of other cards I can get dining rewards from as those are what we like to use our rewards for. I would like dining rewards where you can get food not coffee from a Starbucks or something. (no coffee drinkers here ) I hope you can help me!

Tracy

IDINE UNITED MILEAGE PLUS DELTA SKYMILES

There is other airlines that participate

Maybe not exactly what you asked for.

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Author: meto
Credit Expert (100+ Posts)
Joined: 21 Mar 2004
Posts: 209
Posted: Wed Jun 09, 2004 6:32 am
Post subject: Re: Dining rewards??

You better get back over on CN. I'm getting ahead of you.

mouse wrote:
tracysbeans wrote:
Hi! I'm looking for credit card companies who specially have restraunt rewards. I currently have Sears where I use their Pizza Hut and Denny's rewards and I also have Chase and get RedLobster/Olive Garden/Smoking Bones from them. I'm just wanting to know of other cards I can get dining rewards from as those are what we like to use our rewards for. I would like dining rewards where you can get food not coffee from a Starbucks or something. (no coffee drinkers here ) I hope you can help me!

Tracy

IDINE UNITED MILEAGE PLUS DELTA SKYMILES

There is other airlines that participate

Maybe not exactly what you asked for.

_________________me

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Author: Guest
Posted: Wed Jun 09, 2004 12:39 pm
Post subject:

BofA airline cards also use idine

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Author: Guest
Posted: Tue Jun 15, 2004 11:33 pm

Citibank Aadvantage

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Which credit card company do you prefer?

Author: Tsunami
Guest
Posted: Tue Jun 15, 2004 10:04 pm
Post subject: which brand name user are you? VISA,MASTER,AMEX,or Discover

I am a Visa fan, I use my Visa check debit card the most and then come to MBNA platinum plus visa world points. those two card are the one I use the most, so what is your favorite brand name out of the four you use?

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Author: mouse
Guest
Posted: Tue Jun 15, 2004 10:19 pm
Post subject: Re: which brand name user are you? VISA,MASTER,AMEX,or Disc

Tsunami wrote:
I am a Visa fan, I use my Visa check debit card the most and then come to MBNA platinum plus visa world points. those two card are the one I use the most, so what is your favorite brand name out of the four you use?All 4 AMEX DELTA the most They all have their uses

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Author: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 19 May 2003
Posts: 726
Location: NJ
Posted: Wed Jun 16, 2004 6:51 am

Not brand specific. I use my AAA Visa for gas purchases, my Amex Blue for cash rewards, my BP MasterCard for groceries thanks to its 2% rebate, my Discover thanks to 0% balance transfer, etc. Most people go by features, not brand.

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2175
Location: Illinois
Posted: Wed Jun 16, 2004 7:36 am

Both Mastercard & VISA, but I think VISA I use more, not because of preference, just because this happened to be what I got when I applied for the card. I am not really up on the difference myself.

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Author: TsunamiGuest
Posted: Wed Jun 16, 2004 7:41 am

ohhhh i see i see,

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Author: Guest
Posted: Wed Jun 16, 2004 9:28 am

90% amex user Gold Delta Blue Cash Hilton I use 'em all, if a place doesn't take amex I have a bank of america visa card. all other cards in sock drawer or for balance transfers only

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Advice Dealing with Credit Card Company

Author: Guest
Posted: Thu Jun 17, 2004 12:25 pm
Post subject: moving my account around

HI, All, I am new to this board and I am very glad to be here. This is my first question. I received a letter from an AC who had previously been with another AC now they tell me this : This accoutnt has been transferred from AC to AC under the Fair Debt Collect Practices Act as a consumer we are informing you of this transaction. This new AC has purchased the above account XXXX. It goes on to tell me how important it is for me to call their professional services. Now I sent the first and second AC's C&D along with verification request. These both got CRRR. What whould be the best action or letter to send as I have again 30 days to respond to the newest AC? Also, received from a different AC awknowledging C&D but this also carried with it request for verification witch is past 30 days. This letter say's that "The letter serves as notice that my account information is being placed on my credit report" In my letter I said that if, they put any neg's on my CR that I would notify my AG. I think I should just file this one. Need anyone's imput please as I received the first one 6-10 and the 2nd 6-14. Good bless this board

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2175
Location: Illinois
Posted: Thu Jun 17, 2004 1:45 pm
Post subject: Re: moving my account around

When you sent the Cease & Desist Letters, where they full or limited... have to be carefull not to send the FULL C&D because then it might provoke them to legal remedy. With Limited C&D you are just informing them to contact you by mail only. So - so far you have chased off 2 collection agencies, and a 3rd one just bought the collection account.

Quote:
What whould be the best action or letter to send as I have again 30 days to respond to the newest CA?

Once again you are at square one, send out yet another request for debt validation and a limited cease and desist letter to the new collection agency.


Quote:
Also, received from a different AC awknowledging C&D but this also carried with it request for verification witch is past 30 days. This letter say's that "The letter serves as notice that my account information is being placed on my credit report" In my letter I said that if, they put any neg's on my CR that I would notify my AG. I think I should just file this one.

Let me stop on second on this, and ask you - this is for sure the 1st letter you have received from this collection agency concerning the account. Because if you did not send DV request to them within 30 days - you could of lost your right to expect DV response. If you are within your 30 days rights, then I agree with you about contacting the AG, would forward copy of that letter, and if you kept the original DV letter you sent to them also copy that to forward to the Attorney Gerneral - pointing out that you had 30 days to request validation and they choose to ignore your rights...


Quote:
Need anyone's imput please as I received the first one 6-10 and the 2nd 6-14.

Both of these collection agencies referring to the same debt then? This is hard when they start swapping around like this - it is done on purpose to confuse you and make you miss your 30 day period to request DV. So to be on the safe side, ever time you see a new company corresponding with you, automatically send them a letter - just to be safe.

Good bless this board[/quote]

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What should my debt to income ratio be for a consolidation loan?

Message: Guest
Posted: Sat May 22, 2004 2:40 pm
Post subject: Debt to income ratio

What is the average debt to income ratio that banks go up to for a debt consolidation loan? (Personal UNsecured loan) The bank I'm applying with say thay they DO count the exisiting bills monthly payments like they will still be there even after they are paid off. They are really conservative. But anyways, what debt to income ratio do big name banks use?

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Author: Polonius
Credit Expert (100+ Posts)
Joined: 19 Jan 2004
Posts: 354
Posted: Sat May 22, 2004 3:53 pm

Lenders set their own policies, of course. Often 36% is the cut-off point according to:

bcsalliance.com/y_debtratio.html

That link also says:

Quote:
Do not include grocery, telephone, and utility bills or any debt that will be paid off in the next few months. If your car loan will be paid off two or three months from now, don't include it in the equation.How absurd this all is! Why aren't grocery/telephone/utility bills included in the calculation? Don't they have to be paid too? Why is the ratio important rather than the difference between the fixed expenses and your income--that's the number that shows how much money you have to spare. And if the point of a loan is to consolidate debts at a lower interest rate, what difference does it make what your payments are NOW or how much money you owe NOW as long as you can make the payments on the loan you're taking out to pay off those other debts? Your debt isn't going up--your payments are going down. If you're able to pay your bills now, you'll be able to pay them after consolidating the debt at a lower interest rate too. (Yes, circumstances can change--but that's always true regardless of the current debt or lack of debt, isn't it?) Silly. Silly banks. Stupid banks.

Polonius
"Neither a borrower, nor a lender be; For loan oft loses both itself and friend"

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Author: Moth
Guest
Posted: Sat May 22, 2004 4:40 pm

Banks are happy to loan you money if you can demonstrate that you don't actually need it. In other words they're looking for the financially insane.

Moth

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Which is a better investment?

Author: jgwest49@aol.com
Guest
Posted: Sun May 23, 2004 9:49 pm

I have a friend who has a mortgage for 49,000 @ 6% interest. would it be wise to pay the mortgage off or to take the 49,000 & put it in a cd @ 4% interest?

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Author: Eugene
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 265
Location: Brooklyn, NY
Posted: Sun May 23, 2004 10:58 pm

The answer will depend on your friend's combined federal and state marginal tax bracket and whether he writes off mortgage interest or not. Most likely, it's better to pay off the mortgage.

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Author: mouse
Guest
Posted: Sun May 23, 2004 11:39 pm
Post subject: Re: mortgage

jgwest49@aol.com wrote:
I have a friend who has a mortgage for 49,000 @ 6% interest. would it be wise to pay the mortgage off or to take the 49,000 & put it in a cd @ 4% interest?

1040-A write off for the mortgage or A tax bite for the CD You can look at it as a benefit of 6% by paying off the mortgage

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Possible Credit Card Company Scam

Author: ndhelp
Joined: 23 May 2004
Posts: 1
Location: virginia
Posted: Sun May 23, 2004 8:21 pm
Post subject: credit cards for bad credit

:?: how do i stop a credit card company from making a with draw from my bank after i changed my mind about a card?it is a $300.00 withdraw :? :?

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Author: mouse
Guest
Posted: Sun May 23, 2004 11:41 pm
Post subject: Re: credit cards for bad credit

ndhelp wrote:
how do i stop a credit card company from making a with draw from my bank after i changed my mind about a card?it is a $300.00 withdraw

Call your bank first thing MONDAY am

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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 487
Location: Midwest
Posted: Mon May 24, 2004 8:41 am

Real credit card companies don't operate this way. There are lots of scams out there involving a $200-$300 automatic withdrawal from your checking account. I doubt you will even receive a card. For details on how to proceed with your bank and get your money back (if you didn't catch this in time) check out CREDIT SCAMS at eyeoncredit.com

Verne
Any agreement that can be changed at any time, for any reason, is no agreement at all.

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Re-establishing Credit After Bankruptcy

Author: Guest
Posted: Sun May 23, 2004 11:02 am
Post subject: bko

moneycentral.msn.com/content/Savinganddebt/Managedebt/P84133.asp

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2175
Location: Illinois
Posted: Mon May 24, 2004 7:38 am

A persons ability to rebuild relies so much on pulling the credit reports just as soon as the bankruptcy discharges, spend a few months disputing getting everything updated properly to reflect zero balance included in bankruptcy - or a person if they want can try credit repair to bump off the negative information. What ever is done, don't apply for any new credit until the credit reports are cleaned or updated.

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