Money Tips

Written by carnold
Posted On: April 27, 2007

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: For Results, Continue Calling Credit Card Company
Posted: Fri Apr 27, 2007 1:46 pm

direred wrote:

Believe me, I will. This is the third time I’d called on this, so I may hit every single rep before long.

My last issue(converting a card) detailed here took many calls over the course of 3-4 months.

Guest: direred
Posted: Fri Apr 27, 2007 2:32 pm

multiplierx wrote:
My last issue(converting a card) detailed here took many calls over the course of 3-4 months.

I won’t keep this card open that long. Seriously, I have no need for an annual fee card at this point.

Labels: credit card company customer service reps

Money Tips

Written by carnold
Posted On:

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: For Results, Continue Calling Credit Card Company
Posted: Fri Apr 27, 2007 1:46 pm

direred wrote:

Believe me, I will. This is the third time I’d called on this, so I may hit every single rep before long.

My last issue(converting a card) detailed here took many calls over the course of 3-4 months.

Guest: direred
Posted: Fri Apr 27, 2007 2:32 pm

multiplierx wrote:
My last issue(converting a card) detailed here took many calls over the course of 3-4 months.

I won’t keep this card open that long. Seriously, I have no need for an annual fee card at this point.

Labels: credit card company customer service reps

Money Tips

Written by carnold
Posted On:

Guest: direred
Post subject: Want to Downgrade my Bank of America Credit Card
Posted: Fri Apr 27, 2007 11:20 am

davej wrote:
It’s definitely a downgrade for them to go from getting paid to not getting paid … Are you trying to get out of the airline card because of the fee alone or because you no longer have use for the miles you get?

Well, this originally was a 99/500 card, so even if it weren’t an airline card, there would have been some annual fee or another.

I just thought the viewpoint was funny.

Guest: direred
Posted: Fri Apr 27, 2007 11:21 am

mouse wrote:
CALL BACK

CALL BACK

CALL BACK

SUPERVISOR???

Believe me, I will. This is the third time I’d called on this, so I may hit every single rep before long.

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Fri Apr 27, 2007 1:43 pm

mouse wrote:
CALL BACK

CALL BACK

CALL BACK

SUPERVISOR???

I agree 100%. I like BOA but their CSRs are very uneducated about the prodcuts they are servicing. It got much worse after the MBNA merger and it’s been slow recovering.

Labels: downgrade credit card account

Money Tips

Written by carnold
Posted On:

Guest: direred
Post subject: Want to Downgrade my Bank of America Credit Card
Posted: Fri Apr 27, 2007 11:20 am

davej wrote:
It’s definitely a downgrade for them to go from getting paid to not getting paid … Are you trying to get out of the airline card because of the fee alone or because you no longer have use for the miles you get?

Well, this originally was a 99/500 card, so even if it weren’t an airline card, there would have been some annual fee or another.

I just thought the viewpoint was funny.

Guest: direred
Posted: Fri Apr 27, 2007 11:21 am

mouse wrote:
CALL BACK

CALL BACK

CALL BACK

SUPERVISOR???

Believe me, I will. This is the third time I’d called on this, so I may hit every single rep before long.

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Fri Apr 27, 2007 1:43 pm

mouse wrote:
CALL BACK

CALL BACK

CALL BACK

SUPERVISOR???

I agree 100%. I like BOA but their CSRs are very uneducated about the prodcuts they are servicing. It got much worse after the MBNA merger and it’s been slow recovering.

Labels: downgrade credit card account

Money Tips

Written by carnold
Posted On:

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Wait Six Months Between Credit Card Credit Line Increase Requests
Posted: Fri Apr 27, 2007 10:47 am

xace I look for your new updates, your a riot!!
_________________
The only thing to fear is fear itself

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Fri Apr 27, 2007 1:41 pm

Amex has always been PIF for me. So it’s always been 0, after I made a payment.

It’s been six months since I hit the luv button. It’ll probably be another six before I think about it again.

Labels: credit line increase request

Money Tips

Written by carnold
Posted On:

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Wait Six Months Between Credit Card Credit Line Increase Requests
Posted: Fri Apr 27, 2007 10:47 am

xace I look for your new updates, your a riot!!
_________________
The only thing to fear is fear itself

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Fri Apr 27, 2007 1:41 pm

Amex has always been PIF for me. So it’s always been 0, after I made a payment.

It’s been six months since I hit the luv button. It’ll probably be another six before I think about it again.

Labels: credit line increase request

Money Tips

Written by carnold
Posted On:

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Will Wait Six Months After Opening AMEX Platinum for New Credit Card
Posted: Fri Apr 27, 2007 7:36 am

Xace , you are out of control with your cards & limits
_________________
The only thing to fear is fear itself

Guest: AJ
Credit Expert (100+ Posts)
Posted: Fri Apr 27, 2007 7:39 am

reason for asking the question, some banks won’t give you more because you don’t use up what you have, then when you do, they reject you because you’re using too much
_________________
The only thing to fear is fear itself

Guest: xace
Posted: Fri Apr 27, 2007 9:09 am

AJ wrote:
Xace , you are out of control with your cards & limits

I know. I need to slow down for awhile which is what Im going to do. Let some of this new stuff age. After receiving my new AMEX Platinum I plan to wait about 6 months to a year before opening anything new.

Labels: New AmEx Platinum Credit Card

Money Tips

Written by carnold
Posted On:

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Will Wait Six Months After Opening AMEX Platinum for New Credit Card
Posted: Fri Apr 27, 2007 7:36 am

Xace , you are out of control with your cards & limits
_________________
The only thing to fear is fear itself

Guest: AJ
Credit Expert (100+ Posts)
Posted: Fri Apr 27, 2007 7:39 am

reason for asking the question, some banks won’t give you more because you don’t use up what you have, then when you do, they reject you because you’re using too much
_________________
The only thing to fear is fear itself

Guest: xace
Posted: Fri Apr 27, 2007 9:09 am

AJ wrote:
Xace , you are out of control with your cards & limits

I know. I need to slow down for awhile which is what Im going to do. Let some of this new stuff age. After receiving my new AMEX Platinum I plan to wait about 6 months to a year before opening anything new.

Labels: New AmEx Platinum Credit Card

Money Tips

Written by carnold
Posted On:

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Want to Request Credit Line Increase on my Credit Card
Posted: Fri Apr 27, 2007 5:39 am

Question For Memebers Of The “Luv Button CLub”

How close are you to your limit, (or what is your balance) when you decide to ask for more nourishment
_________________
The only thing to fear is fear itself

Guest: xace
Posted: Fri Apr 27, 2007 5:55 am

I try to have my balances below 20% when asking for LUV.

Guest: davej
Posted: Fri Apr 27, 2007 7:18 am

100% far from my limit (i.e. $0 balance) and still asking for luv It just feels like it’s about time…

Labels: credit card credit line increase request

Money Tips

Written by carnold
Posted On:

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Want to Request Credit Line Increase on my Credit Card
Posted: Fri Apr 27, 2007 5:39 am

Question For Memebers Of The “Luv Button CLub”

How close are you to your limit, (or what is your balance) when you decide to ask for more nourishment
_________________
The only thing to fear is fear itself

Guest: xace
Posted: Fri Apr 27, 2007 5:55 am

I try to have my balances below 20% when asking for LUV.

Guest: davej
Posted: Fri Apr 27, 2007 7:18 am

100% far from my limit (i.e. $0 balance) and still asking for luv It just feels like it’s about time…

Labels: credit card credit line increase request

Money Tips

Written by carnold
Posted On:

Guest: direred
Post subject: Bank of America Credit Card Cannot be Downgraded to Avoid Fee?
Posted: Fri Apr 27, 2007 2:58 am

BofA: We can’t downgrade your card to one with no annual fee

Yes, converting an airline rewards card to a no annual fee card is a “downgrade.”

I’m perfectly welcome to apply for a new card and close the old one.

I pointed out that I was also free to apply for a new card anywhere else, so why would I go through the effort of applying over the phone with them?

Guest: davej
Posted: Fri Apr 27, 2007 4:02 am

It’s definitely a downgrade for them to go from getting paid to not getting paid … Are you trying to get out of the airline card because of the fee alone or because you no longer have use for the miles you get?

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Fri Apr 27, 2007 9:25 am

CALL BACK

CALL BACK

CALL BACK

SUPERVISOR???

Labels: credit with no annual fee

Money Tips

Written by carnold
Posted On:

Guest: direred
Post subject: Bank of America Credit Card Cannot be Downgraded to Avoid Fee?
Posted: Fri Apr 27, 2007 2:58 am

BofA: We can’t downgrade your card to one with no annual fee

Yes, converting an airline rewards card to a no annual fee card is a “downgrade.”

I’m perfectly welcome to apply for a new card and close the old one.

I pointed out that I was also free to apply for a new card anywhere else, so why would I go through the effort of applying over the phone with them?

Guest: davej
Posted: Fri Apr 27, 2007 4:02 am

It’s definitely a downgrade for them to go from getting paid to not getting paid … Are you trying to get out of the airline card because of the fee alone or because you no longer have use for the miles you get?

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Fri Apr 27, 2007 9:25 am

CALL BACK

CALL BACK

CALL BACK

SUPERVISOR???

Labels: credit with no annual fee

Money Tips

Written by Joe Taylor
Posted On: April 26, 2007

Guest: TomfromCT
Credit Expert (100+ Posts)
Post subject: Is Discover a major credit card?
Posted: Thu Apr 26, 2007 1:42 pm

I used to go to CB too. But I got branded a pro- collection agency person…. which is utterly laughable.

And I didnt want to take **** from an idiot over there which got me flamed a bunch.

Oh well.

I;ll say this about Discover, they made good inroads when they started but just kinda petered out. There are stuck in that gray area between being a major card and just some fringe item you really don;t need.

They have been good and I like the card. Their 0% offer on purchases and BT’s for one year was great.

As for the Motiva. I looked at it after reading this thread.

I can not see any reason to get it if you already have a Discover card. It didn;t look appealing to me even if I didn;t already have a Discover card.
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:58 pm

AS I SAID EARLIER, MOTIVA IS LOOKS GOOD TO ME FOR THE REASON IT AVG DAILY BALANCE AND NOT 2 CYCLE BILLING, GREAT IF YOU NEED TO CARRY A BALANCE FOR A MONTH
_________________
TU EX EQ
769 772 782

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:59 pm

TomfromCT wrote:
I used to go to CB too. But I got branded a pro- collection agency person…. which is utterly laughable.

I think it’s hilarious how often they do that. “Don’t agree with me? Then you must be a collection agent!”

They banned me. I considered it a compliment.

Labels: major credit card

Money Tips

Written by Joe Taylor
Posted On:

Guest: TomfromCT
Credit Expert (100+ Posts)
Post subject: Is Discover a major credit card?
Posted: Thu Apr 26, 2007 1:42 pm

I used to go to CB too. But I got branded a pro- collection agency person…. which is utterly laughable.

And I didnt want to take **** from an idiot over there which got me flamed a bunch.

Oh well.

I;ll say this about Discover, they made good inroads when they started but just kinda petered out. There are stuck in that gray area between being a major card and just some fringe item you really don;t need.

They have been good and I like the card. Their 0% offer on purchases and BT’s for one year was great.

As for the Motiva. I looked at it after reading this thread.

I can not see any reason to get it if you already have a Discover card. It didn;t look appealing to me even if I didn;t already have a Discover card.
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:58 pm

AS I SAID EARLIER, MOTIVA IS LOOKS GOOD TO ME FOR THE REASON IT AVG DAILY BALANCE AND NOT 2 CYCLE BILLING, GREAT IF YOU NEED TO CARRY A BALANCE FOR A MONTH
_________________
TU EX EQ
769 772 782

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:59 pm

TomfromCT wrote:
I used to go to CB too. But I got branded a pro- collection agency person…. which is utterly laughable.

I think it’s hilarious how often they do that. “Don’t agree with me? Then you must be a collection agent!”

They banned me. I considered it a compliment.

Labels: major credit card

Money Tips

Written by carnold
Posted On:

Guest: RacieRacer
Credit Expert (100+ Posts)
Post subject: Discover Credit Card vs. CitiBank
Posted: Thu Apr 26, 2007 12:59 pm

multiplierx wrote:
Evil would be forcing people to sign up for that junk.

Fortunately no banks do that. Anyone with those horrible cards brought them on themselves.

I’m not a believer of “predator lending”. I’m a believer in personal responsiblity.

Why don’t you like Discover? I haven’t been in a Sears for years and never been in a Dollar General so I’m not sure of the association you made. Can you beat a 12 month 0% 0 fee BT?

Yeah I used to slum over at CB. I feel dirty now just thinking about it.

Yep. Citi Professional has that but they give you a $150 gift card as well.

I think of Discover somewhere in between Crap1 and BofA/Amex/Citi etc.

I’ve known a lot of people in my lifetime that had a Discover but could not get a BofA/Amex/Citi etc.

If I’m out somewhere and I see someone whip out a Discover I’m about as impressed as if they whipped out a Crap1.

JMHO

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:05 pm

I forgot about that Citi card. I figured they added fees like all their cards have lately.

Credit cards don’t impress me in that regard so I can’t really comment on that.

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:07 pm

Have you ever had or applied for Discover?

Labels: Discover vs. CitiBank

Money Tips

Written by carnold
Posted On:

Guest: RacieRacer
Credit Expert (100+ Posts)
Post subject: Discover Credit Card vs. CitiBank
Posted: Thu Apr 26, 2007 12:59 pm

multiplierx wrote:
Evil would be forcing people to sign up for that junk.

Fortunately no banks do that. Anyone with those horrible cards brought them on themselves.

I’m not a believer of “predator lending”. I’m a believer in personal responsiblity.

Why don’t you like Discover? I haven’t been in a Sears for years and never been in a Dollar General so I’m not sure of the association you made. Can you beat a 12 month 0% 0 fee BT?

Yeah I used to slum over at CB. I feel dirty now just thinking about it.

Yep. Citi Professional has that but they give you a $150 gift card as well.

I think of Discover somewhere in between Crap1 and BofA/Amex/Citi etc.

I’ve known a lot of people in my lifetime that had a Discover but could not get a BofA/Amex/Citi etc.

If I’m out somewhere and I see someone whip out a Discover I’m about as impressed as if they whipped out a Crap1.

JMHO

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:05 pm

I forgot about that Citi card. I figured they added fees like all their cards have lately.

Credit cards don’t impress me in that regard so I can’t really comment on that.

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:07 pm

Have you ever had or applied for Discover?

Labels: Discover vs. CitiBank

Money Tips

Written by carnold
Posted On:

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Travel Rewards Credit Card
Posted: Thu Apr 26, 2007 12:35 am

Sometimes you just have to book your flight 330 days out

or

Be willing to book and go with less than 4 weeks

Guest: kenn
Posted: Thu Apr 26, 2007 1:02 pm

Thanks again for the advice. While I agree that FF account restrictions very substantially limit their use, they are still better than a kick in the pants; that is not the subject of my particular inquiry just now. I am assuming that my FF accounts have enough potential value that I should maintain them in an active status, and am simply looking to do so easily. Because my schedule is likely to leave little time for travel in the next 2 or 3 years I currently keep program accounts active awkwardly: by making small purchases from vendors that participate with the airlines or hotels, by dining with credit cards linked to airline programs through restaurant promotional programs, etc, and by using the few traditional airline credit cards that have means to bypass fees, as the Citibank AA card through their CitiGold program.

I suspect the accuracy of the posting to the effect that the credit card I seek does not exist. Nonetheless, I cannot see why it should be any problem to offer such a card since some hotel frequent guest programs offer exactly what I am seeking, though with limited flexibility and unattractive point conversion rates, and since car rental companies arrange to offer actual mileage to any of numerous airline and hotel patronage accounts.

Anyway, I am not in this inquiry looking for easier means to redeem mileage, but simply to transfer from card points to airline mileage and hotel points about once a year with substantial flexibility. If anyone comes across a card that offers actual mileage transfers to FF & hotel programs, that’s what I’d like to know.

Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 2:05 pm

I don’t know if this will please you any more than anything else, but have you considered the Citi PremierPass Elite Card?

Earn points for the things you buy and the miles you fly on any airline
2 points for every dollar spent at supermarkets, drugstores, gas stations, commuter transportation and parking merchants2
1 point for every dollar spent on all other purchases2
1 point for every mile you fly on any airline2
1 point for every mile flown by anyone else whose ticket you buy with your card1
Here’s an example to show how fast your points can add up… If you were to buy two $350 tickets (one for yourself and one for a friend) on a 6,000 mile round-trip flight, you’d earn 12,700 points. On top of that, you can earn miles in the frequent flyer programs you are enrolled in.

Travel on Any Airline with No Blackout DatesWith the booking tool powered by Expedia® from ThankYouSM Network, you will have maximum flexibility to the way you want—on any carrier with no blackout dates. You can also redeem discounts on hotel stays, gift cards, home electronics, merchandise and more through ThankYou Network, one of the most flexible and versatile rewards programs. http://www.citicards.com/cards/wv/cardDetail.do?screenID=901

Guest: kenn
Posted: Fri Apr 27, 2007 2:07 pm

Thanks for the suggestion. I have not looked at the card you mention in any detail, but Citibank has told me in some extensive discussion that they offer no cards such I wish. From your description, it would appear that the card offers something of the reverse of my needs: it appears to offer points for mileage actually flown - and my problem arises from not currently flying at all - and it awards travel (that is, tickets) rather than miles, or awards other ThankYou program merchandise.

I think I’m just out of luck. I’ll just have to keep remembering how to juggle partners around - this credit card for sending dining points to US, that card for sending them to United, TGIF annual meal for Radisson; then checking annually to see which account I still have to use for FTD flowers and to buy garbage bag supplies for a second lifetime. Life could be worse.

Labels: travel rewards credit card

Money Tips

Written by carnold
Posted On:

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Travel Rewards Credit Card
Posted: Thu Apr 26, 2007 12:35 am

Sometimes you just have to book your flight 330 days out

or

Be willing to book and go with less than 4 weeks

Guest: kenn
Posted: Thu Apr 26, 2007 1:02 pm

Thanks again for the advice. While I agree that FF account restrictions very substantially limit their use, they are still better than a kick in the pants; that is not the subject of my particular inquiry just now. I am assuming that my FF accounts have enough potential value that I should maintain them in an active status, and am simply looking to do so easily. Because my schedule is likely to leave little time for travel in the next 2 or 3 years I currently keep program accounts active awkwardly: by making small purchases from vendors that participate with the airlines or hotels, by dining with credit cards linked to airline programs through restaurant promotional programs, etc, and by using the few traditional airline credit cards that have means to bypass fees, as the Citibank AA card through their CitiGold program.

I suspect the accuracy of the posting to the effect that the credit card I seek does not exist. Nonetheless, I cannot see why it should be any problem to offer such a card since some hotel frequent guest programs offer exactly what I am seeking, though with limited flexibility and unattractive point conversion rates, and since car rental companies arrange to offer actual mileage to any of numerous airline and hotel patronage accounts.

Anyway, I am not in this inquiry looking for easier means to redeem mileage, but simply to transfer from card points to airline mileage and hotel points about once a year with substantial flexibility. If anyone comes across a card that offers actual mileage transfers to FF & hotel programs, that’s what I’d like to know.

Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 2:05 pm

I don’t know if this will please you any more than anything else, but have you considered the Citi PremierPass Elite Card?

Earn points for the things you buy and the miles you fly on any airline
2 points for every dollar spent at supermarkets, drugstores, gas stations, commuter transportation and parking merchants2
1 point for every dollar spent on all other purchases2
1 point for every mile you fly on any airline2
1 point for every mile flown by anyone else whose ticket you buy with your card1
Here’s an example to show how fast your points can add up… If you were to buy two $350 tickets (one for yourself and one for a friend) on a 6,000 mile round-trip flight, you’d earn 12,700 points. On top of that, you can earn miles in the frequent flyer programs you are enrolled in.

Travel on Any Airline with No Blackout DatesWith the booking tool powered by Expedia® from ThankYouSM Network, you will have maximum flexibility to the way you want—on any carrier with no blackout dates. You can also redeem discounts on hotel stays, gift cards, home electronics, merchandise and more through ThankYou Network, one of the most flexible and versatile rewards programs. http://www.citicards.com/cards/wv/cardDetail.do?screenID=901

Guest: kenn
Posted: Fri Apr 27, 2007 2:07 pm

Thanks for the suggestion. I have not looked at the card you mention in any detail, but Citibank has told me in some extensive discussion that they offer no cards such I wish. From your description, it would appear that the card offers something of the reverse of my needs: it appears to offer points for mileage actually flown - and my problem arises from not currently flying at all - and it awards travel (that is, tickets) rather than miles, or awards other ThankYou program merchandise.

I think I’m just out of luck. I’ll just have to keep remembering how to juggle partners around - this credit card for sending dining points to US, that card for sending them to United, TGIF annual meal for Radisson; then checking annually to see which account I still have to use for FTD flowers and to buy garbage bag supplies for a second lifetime. Life could be worse.

Labels: travel rewards credit card

Money Tips

Written by carnold
Posted On: April 25, 2007

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: Discover Credit Card Purchase
Posted: Wed Apr 25, 2007 7:08 pm

Discover really wants me to make a purchase. They are offering me $20 cash reward to make just 1 purchase before June.

I need to go back and look at the fine print and see if buying a 1 cent stamp will be enough. I’m going to be carrying that 0% BT until February 2008.

Guest: rixey
Posted: Wed Apr 25, 2007 7:16 pm

I have used Discover Card for many years and never had a problem. Every three-four months they offer programs that will reward you with a 5% cash back credit. When you reach the first $20.00 you can request cash, double your reward for purchases on their site or even apply to your balance, or leave it alone to use when you want.

I pay in full each month, so I pay no interest, and I was able to apply $200. to my balance in March.

Recommend the card…..But…each their own.

Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 12:22 pm

multiplierx wrote:
Out of all of my cards, I am beginning to favor Discover among the top. I am currently carrying a 0% 0 fee BT on it. Can’t beat that.

After I’m done with that, I’m looking forward to taking advantage of the 5% cash back rewards. Every 3 months it’s a different category. They don’t appear to be all that restrictive and are mostly for common everyday purchases. It’ll be nice to get 5% back on purchases that I now only get 1-1.25% on.

So far I’ve been 100% satisfied with their operations, from customer service to the operation and design of their website. So far it’s been no-nonsense.

I must be odd in the fact I don’t “hate” any banks or credit cards. I’ve never had a problem so bad it couldn’t get straightened out. I’ve never once felt “screwed over” by a bank. I think the bulk of most peoples hatred for banks is just sour grapes and failure to read their T&Cs.

(are you the poster known as mulitplier on CB?)

I hate Crapital one with a passion. Some people love Crap1. (they are decent to my DH though)

I hate First Premier, Rewards 660, Aspire and the likes. No I never had any of these but they are evil as I can see just from looking at their ads/websites.

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 12:49 pm

Evil would be forcing people to sign up for that junk.

Fortunately no banks do that. Anyone with those horrible cards brought them on themselves.

I’m not a believer of “predator lending”. I’m a believer in personal responsiblity.

Why don’t you like Discover? I haven’t been in a Sears for years and never been in a Dollar General so I’m not sure of the association you made. Can you beat a 12 month 0% 0 fee BT?

Yeah I used to slum over at CB. I feel dirty now just thinking about it.

Labels: credit card purchase

Money Tips

Written by carnold
Posted On:

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: Discover Credit Card Purchase
Posted: Wed Apr 25, 2007 7:08 pm

Discover really wants me to make a purchase. They are offering me $20 cash reward to make just 1 purchase before June.

I need to go back and look at the fine print and see if buying a 1 cent stamp will be enough. I’m going to be carrying that 0% BT until February 2008.

Guest: rixey
Posted: Wed Apr 25, 2007 7:16 pm

I have used Discover Card for many years and never had a problem. Every three-four months they offer programs that will reward you with a 5% cash back credit. When you reach the first $20.00 you can request cash, double your reward for purchases on their site or even apply to your balance, or leave it alone to use when you want.

I pay in full each month, so I pay no interest, and I was able to apply $200. to my balance in March.

Recommend the card…..But…each their own.

Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 12:22 pm

multiplierx wrote:
Out of all of my cards, I am beginning to favor Discover among the top. I am currently carrying a 0% 0 fee BT on it. Can’t beat that.

After I’m done with that, I’m looking forward to taking advantage of the 5% cash back rewards. Every 3 months it’s a different category. They don’t appear to be all that restrictive and are mostly for common everyday purchases. It’ll be nice to get 5% back on purchases that I now only get 1-1.25% on.

So far I’ve been 100% satisfied with their operations, from customer service to the operation and design of their website. So far it’s been no-nonsense.

I must be odd in the fact I don’t “hate” any banks or credit cards. I’ve never had a problem so bad it couldn’t get straightened out. I’ve never once felt “screwed over” by a bank. I think the bulk of most peoples hatred for banks is just sour grapes and failure to read their T&Cs.

(are you the poster known as mulitplier on CB?)

I hate Crapital one with a passion. Some people love Crap1. (they are decent to my DH though)

I hate First Premier, Rewards 660, Aspire and the likes. No I never had any of these but they are evil as I can see just from looking at their ads/websites.

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 12:49 pm

Evil would be forcing people to sign up for that junk.

Fortunately no banks do that. Anyone with those horrible cards brought them on themselves.

I’m not a believer of “predator lending”. I’m a believer in personal responsiblity.

Why don’t you like Discover? I haven’t been in a Sears for years and never been in a Dollar General so I’m not sure of the association you made. Can you beat a 12 month 0% 0 fee BT?

Yeah I used to slum over at CB. I feel dirty now just thinking about it.

Labels: credit card purchase

Money Tips

Written by Joe Taylor
Posted On:

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: Discover Credit Card With 0% Balance Transfer Fee
Posted: Wed Apr 25, 2007 6:51 pm

Out of all of my cards, I am beginning to favor Discover among the top. I am currently carrying a 0% 0 fee BT on it. Can’t beat that.

After I’m done with that, I’m looking forward to taking advantage of the 5% cash back rewards. Every 3 months it’s a different category. They don’t appear to be all that restrictive and are mostly for common everyday purchases. It’ll be nice to get 5% back on purchases that I now only get 1-1.25% on.

So far I’ve been 100% satisfied with their operations, from customer service to the operation and design of their website. So far it’s been no-nonsense.

I must be odd in the fact I don’t “hate” any banks or credit cards. I’ve never had a problem so bad it couldn’t get straightened out. I’ve never once felt “screwed over” by a bank. I think the bulk of most peoples hatred for banks is just sour grapes and failure to read their T&Cs.

Last edited by multiplierx on Wed Apr 25, 2007 7:05 pm; edited 1 time in total

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 6:59 pm

2 cycle billing - People should know that going in so if they choose to carry a balance, they have nothing to complian about.

Years ago, I’ve suffered through things people get themselves upset about. Rate Jacked? Once. I brought it on myself. Account closed? Yes, brought it on myself, and later had the account reopened and still have the card today.

In nearly all complaints I see about banks, the consumer did something to bring on their troubles. The bank was just following their T&C.

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 7:02 pm

I rather like Discover. Their cash back is easy now that I am finishing a 0% offer it will get used alot again.

As for hating banks, I have to agree with multiplier.

I hate providian.wamu - they rejected me.

I am dissappointed with Cap 1. They wont increase my credit line but they took a chance on me when no one should have so - I cant be all that upset with them.

I hate AMEX. I screwed them once and they wontgive me new credit - how dare they take that attitude and approach!!!
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Labels: 0% balance transfer fee

Money Tips

Written by Joe Taylor
Posted On:

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: Discover Credit Card With 0% Balance Transfer Fee
Posted: Wed Apr 25, 2007 6:51 pm

Out of all of my cards, I am beginning to favor Discover among the top. I am currently carrying a 0% 0 fee BT on it. Can’t beat that.

After I’m done with that, I’m looking forward to taking advantage of the 5% cash back rewards. Every 3 months it’s a different category. They don’t appear to be all that restrictive and are mostly for common everyday purchases. It’ll be nice to get 5% back on purchases that I now only get 1-1.25% on.

So far I’ve been 100% satisfied with their operations, from customer service to the operation and design of their website. So far it’s been no-nonsense.

I must be odd in the fact I don’t “hate” any banks or credit cards. I’ve never had a problem so bad it couldn’t get straightened out. I’ve never once felt “screwed over” by a bank. I think the bulk of most peoples hatred for banks is just sour grapes and failure to read their T&Cs.

Last edited by multiplierx on Wed Apr 25, 2007 7:05 pm; edited 1 time in total

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 6:59 pm

2 cycle billing - People should know that going in so if they choose to carry a balance, they have nothing to complian about.

Years ago, I’ve suffered through things people get themselves upset about. Rate Jacked? Once. I brought it on myself. Account closed? Yes, brought it on myself, and later had the account reopened and still have the card today.

In nearly all complaints I see about banks, the consumer did something to bring on their troubles. The bank was just following their T&C.

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 7:02 pm

I rather like Discover. Their cash back is easy now that I am finishing a 0% offer it will get used alot again.

As for hating banks, I have to agree with multiplier.

I hate providian.wamu - they rejected me.

I am dissappointed with Cap 1. They wont increase my credit line but they took a chance on me when no one should have so - I cant be all that upset with them.

I hate AMEX. I screwed them once and they wontgive me new credit - how dare they take that attitude and approach!!!
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Labels: 0% balance transfer fee

Money Tips

Written by carnold
Posted On:

Guest: RacieRacer
Credit Expert (100+ Posts)
Post subject: Not Impressed with Discover Credit Card
Posted: Wed Apr 25, 2007 2:14 pm

I’ve never been impressed by Discover. There are people who think Discover is top of the line, cream of the crop, top of the hill, prime of the prime. But I don’t. When I think of Discover, I think of Sears & Dollar General.

Discover = Crap1 IMO.

Guest: xace
Posted: Wed Apr 25, 2007 2:31 pm

RacieRacer wrote:
I’ve never been impressed by Discover. There are people who think Discover is top of the line, cream of the crop, top of the hill, prime of the prime. But I don’t. When I think of Discover, I think of Sears & Dollar General.

Discover = Crap1 IMO.

Discover is not Capitol One by any means. I trust Discover to report correctly give me decent limits and not jack my interest rate. I will keep my Discover card forever. Also another note, it was the most difficult card for me to get.

Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 2:38 pm

xace wrote:
RacieRacer wrote:
I’ve never been impressed by Discover. There are people who think Discover is top of the line, cream of the crop, top of the hill, prime of the prime. But I don’t. When I think of Discover, I think of Sears & Dollar General.

Discover = Crap1 IMO.

Discover is not Capitol One by any means. I trust Discover to report correctly give me decent limits and not jack my interest rate. I will keep my Discover card forever. Also another note, it was the most difficult card for me to get.

Discover = Dollar General & Sears in my book. (& crap1)

Kohl’s was the most difficult card for me to get, and Lowes still won’t give me a card. (& I have about every other GEMB card that exists and I never stiffed Lowes)

BofA, on the other hand, was the 1st to give me a card in years. I love BofA, others hate them with a passion.

Whatever bank 1 person loves another person will hate it.
Whatever card you hate, someone else will love it.

Labels: favorite credit card

Money Tips

Written by carnold
Posted On:

Guest: RacieRacer
Credit Expert (100+ Posts)
Post subject: Not Impressed with Discover Credit Card
Posted: Wed Apr 25, 2007 2:14 pm

I’ve never been impressed by Discover. There are people who think Discover is top of the line, cream of the crop, top of the hill, prime of the prime. But I don’t. When I think of Discover, I think of Sears & Dollar General.

Discover = Crap1 IMO.

Guest: xace
Posted: Wed Apr 25, 2007 2:31 pm

RacieRacer wrote:
I’ve never been impressed by Discover. There are people who think Discover is top of the line, cream of the crop, top of the hill, prime of the prime. But I don’t. When I think of Discover, I think of Sears & Dollar General.

Discover = Crap1 IMO.

Discover is not Capitol One by any means. I trust Discover to report correctly give me decent limits and not jack my interest rate. I will keep my Discover card forever. Also another note, it was the most difficult card for me to get.

Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 2:38 pm

xace wrote:
RacieRacer wrote:
I’ve never been impressed by Discover. There are people who think Discover is top of the line, cream of the crop, top of the hill, prime of the prime. But I don’t. When I think of Discover, I think of Sears & Dollar General.

Discover = Crap1 IMO.

Discover is not Capitol One by any means. I trust Discover to report correctly give me decent limits and not jack my interest rate. I will keep my Discover card forever. Also another note, it was the most difficult card for me to get.

Discover = Dollar General & Sears in my book. (& crap1)

Kohl’s was the most difficult card for me to get, and Lowes still won’t give me a card. (& I have about every other GEMB card that exists and I never stiffed Lowes)

BofA, on the other hand, was the 1st to give me a card in years. I love BofA, others hate them with a passion.

Whatever bank 1 person loves another person will hate it.
Whatever card you hate, someone else will love it.

Labels: favorite credit card

Money Tips

Written by carnold
Posted On:

Guest: kenn
Post subject: Mileage Credit Cards Have High Fees
Posted: Wed Apr 25, 2007 10:01 pm

The cards that you list, and which are the only types that I know of to offer actual mileage, are of the sort that I refer to as ‘high-fee’ and ‘associated with only one airline’. The Citibank AA card, for example, is around $85 annually (waived for CitiGold customers). On the other hand, when renting a car I can specify which airline or hotel should receive mileage with each rental, and, even better, with many hotel and airline frequent-guest point accounts I can transfer points and miles back and forth at will between the hotel points program and several airline FF accounts (although with conversion rates that provide diminishing returns each way, as when exchanging money).

I do not want to pay a fee and I do not want to remember which cards to use when. There are numerous cards that incur no fees and advertise mileage on any, or any of numerous, airlines - but in fact, those that I have checked do not allow any actual transfer of miles, but award travel tickets entirely independently of one’s FF account (if any).

I would like a card that works more like a hotel frequent-guest account. I could spend $10K, say, and then at the end of the year divvy up the 10,0000 miles into whatever ten air (and hotel) patronage accounts have been inactive all year. This should be attractive to issuers because it would be the card I would use most constantly; and the program costs and mechanics should not be too onerous because many hotel accounts are set up exactly this way.

I do have some of the cards listed in the posts above, but I have to remember too much about activity levels in FF accounts to determine what card to use when, and some of these cards incur fees. Adding mileage to my FF accounts is much more useful to me than obtaining travel awards directly because I have numerous FF and hotel accounts with high balances but which are relatively inactive these days, thus at risk of forfeiture. I would like only one single card that awards mileage on any and all FF and hotel accounts rather than travel on any airlines. Such an arrangement should not be that difficult since the hotels do so.

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 11:27 pm

Quote:
I would like only one single card that awards mileage on any and all FF and hotel accounts rather than travel on any airlines.

It DOESN’T exist.

I have over 200,000 United FF miles and 250,000 Delta Skymiles but have closed both my Mileage Plus and AMEX Skymiles cards. Why?? Because it has become more and more difficult to get domestic flights for only 25,000 miles. I’ve had more luck with United than Delta, but in reality you often have to expend 50,000 miles to get the flights which you wish. When I costed it out, I found that I was better off getting around $1400/year from AMEX Blue Cash than in continuing with the FF cards.

JMHO……..

Guest: hdporter
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 12:25 am

I agree with you on the frustration these days with FF accounts. Unless you book well in advance (say, 4 mo or more) it can be difficult to secure an economy seat for 25K mi.

I had one experience last year where that turned out to be not such a bad thing. We went to Hawaii in late Nov and I had planned to redeem 25K, we were booking in early Oct and those tickets weren’t to be had. So, we had to pop 100K for the two of us — but, as it was, we could get first class for the same mileage.

It was a milage splurge that we wouldn’t have gone for otherwise, preferring not to burn 2 trips in one. But we loved the extra comfort for the long haul from Philly — it was simply glorious. Can’t tell you just how much of a pleasure it was to recline our seats almost entirely horizontally for the red-eye flight home!

- Harry

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Travel Rewards Credit Card
Posted: Thu Apr 26, 2007 12:35 am

Sometimes you just have to book your flight 330 days out

or

Be willing to book and go with less than 4 weeks

Guest: kenn
Posted: Thu Apr 26, 2007 1:02 pm

Thanks again for the advice. While I agree that FF account restrictions very substantially limit their use, they are still better than a kick in the pants; that is not the subject of my particular inquiry just now. I am assuming that my FF accounts have enough potential value that I should maintain them in an active status, and am simply looking to do so easily. Because my schedule is likely to leave little time for travel in the next 2 or 3 years I currently keep program accounts active awkwardly: by making small purchases from vendors that participate with the airlines or hotels, by dining with credit cards linked to airline programs through restaurant promotional programs, etc, and by using the few traditional airline credit cards that have means to bypass fees, as the Citibank AA card through their CitiGold program.

I suspect the accuracy of the posting to the effect that the credit card I seek does not exist. Nonetheless, I cannot see why it should be any problem to offer such a card since some hotel frequent guest programs offer exactly what I am seeking, though with limited flexibility and unattractive point conversion rates, and since car rental companies arrange to offer actual mileage to any of numerous airline and hotel patronage accounts.

Anyway, I am not in this inquiry looking for easier means to redeem mileage, but simply to transfer from card points to airline mileage and hotel points about once a year with substantial flexibility. If anyone comes across a card that offers actual mileage transfers to FF & hotel programs, that’s what I’d like to know.

Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 2:05 pm

I don’t know if this will please you any more than anything else, but have you considered the Citi PremierPass Elite Card?

Earn points for the things you buy and the miles you fly on any airline
2 points for every dollar spent at supermarkets, drugstores, gas stations, commuter transportation and parking merchants2
1 point for every dollar spent on all other purchases2
1 point for every mile you fly on any airline2
1 point for every mile flown by anyone else whose ticket you buy with your card1
Here’s an example to show how fast your points can add up… If you were to buy two $350 tickets (one for yourself and one for a friend) on a 6,000 mile round-trip flight, you’d earn 12,700 points. On top of that, you can earn miles in the frequent flyer programs you are enrolled in.

Travel on Any Airline with No Blackout DatesWith the booking tool powered by Expedia® from ThankYouSM Network, you will have maximum flexibility to the way you want—on any carrier with no blackout dates. You can also redeem discounts on hotel stays, gift cards, home electronics, merchandise and more through ThankYou Network, one of the most flexible and versatile rewards programs. http://www.citicards.com/cards/wv/cardDetail.do?screenID=901

Guest: kenn
Posted: Fri Apr 27, 2007 2:07 pm

Thanks for the suggestion. I have not looked at the card you mention in any detail, but Citibank has told me in some extensive discussion that they offer no cards such I wish. From your description, it would appear that the card offers something of the reverse of my needs: it appears to offer points for mileage actually flown - and my problem arises from not currently flying at all - and it awards travel (that is, tickets) rather than miles, or awards other ThankYou program merchandise.

I think I’m just out of luck. I’ll just have to keep remembering how to juggle partners around - this credit card for sending dining points to US, that card for sending them to United, TGIF annual meal for Radisson; then checking annually to see which account I still have to use for FTD flowers and to buy garbage bag supplies for a second lifetime. Life could be worse.

Labels: credit cards with high fees

Money Tips

Written by carnold
Posted On:

Guest: kenn
Post subject: Mileage Credit Cards Have High Fees
Posted: Wed Apr 25, 2007 10:01 pm

The cards that you list, and which are the only types that I know of to offer actual mileage, are of the sort that I refer to as ‘high-fee’ and ‘associated with only one airline’. The Citibank AA card, for example, is around $85 annually (waived for CitiGold customers). On the other hand, when renting a car I can specify which airline or hotel should receive mileage with each rental, and, even better, with many hotel and airline frequent-guest point accounts I can transfer points and miles back and forth at will between the hotel points program and several airline FF accounts (although with conversion rates that provide diminishing returns each way, as when exchanging money).

I do not want to pay a fee and I do not want to remember which cards to use when. There are numerous cards that incur no fees and advertise mileage on any, or any of numerous, airlines - but in fact, those that I have checked do not allow any actual transfer of miles, but award travel tickets entirely independently of one’s FF account (if any).

I would like a card that works more like a hotel frequent-guest account. I could spend $10K, say, and then at the end of the year divvy up the 10,0000 miles into whatever ten air (and hotel) patronage accounts have been inactive all year. This should be attractive to issuers because it would be the card I would use most constantly; and the program costs and mechanics should not be too onerous because many hotel accounts are set up exactly this way.

I do have some of the cards listed in the posts above, but I have to remember too much about activity levels in FF accounts to determine what card to use when, and some of these cards incur fees. Adding mileage to my FF accounts is much more useful to me than obtaining travel awards directly because I have numerous FF and hotel accounts with high balances but which are relatively inactive these days, thus at risk of forfeiture. I would like only one single card that awards mileage on any and all FF and hotel accounts rather than travel on any airlines. Such an arrangement should not be that difficult since the hotels do so.

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 11:27 pm

Quote:
I would like only one single card that awards mileage on any and all FF and hotel accounts rather than travel on any airlines.

It DOESN’T exist.

I have over 200,000 United FF miles and 250,000 Delta Skymiles but have closed both my Mileage Plus and AMEX Skymiles cards. Why?? Because it has become more and more difficult to get domestic flights for only 25,000 miles. I’ve had more luck with United than Delta, but in reality you often have to expend 50,000 miles to get the flights which you wish. When I costed it out, I found that I was better off getting around $1400/year from AMEX Blue Cash than in continuing with the FF cards.

JMHO……..

Guest: hdporter
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 12:25 am

I agree with you on the frustration these days with FF accounts. Unless you book well in advance (say, 4 mo or more) it can be difficult to secure an economy seat for 25K mi.

I had one experience last year where that turned out to be not such a bad thing. We went to Hawaii in late Nov and I had planned to redeem 25K, we were booking in early Oct and those tickets weren’t to be had. So, we had to pop 100K for the two of us — but, as it was, we could get first class for the same mileage.

It was a milage splurge that we wouldn’t have gone for otherwise, preferring not to burn 2 trips in one. But we loved the extra comfort for the long haul from Philly — it was simply glorious. Can’t tell you just how much of a pleasure it was to recline our seats almost entirely horizontally for the red-eye flight home!

- Harry

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Travel Rewards Credit Card
Posted: Thu Apr 26, 2007 12:35 am

Sometimes you just have to book your flight 330 days out

or

Be willing to book and go with less than 4 weeks

Guest: kenn
Posted: Thu Apr 26, 2007 1:02 pm

Thanks again for the advice. While I agree that FF account restrictions very substantially limit their use, they are still better than a kick in the pants; that is not the subject of my particular inquiry just now. I am assuming that my FF accounts have enough potential value that I should maintain them in an active status, and am simply looking to do so easily. Because my schedule is likely to leave little time for travel in the next 2 or 3 years I currently keep program accounts active awkwardly: by making small purchases from vendors that participate with the airlines or hotels, by dining with credit cards linked to airline programs through restaurant promotional programs, etc, and by using the few traditional airline credit cards that have means to bypass fees, as the Citibank AA card through their CitiGold program.

I suspect the accuracy of the posting to the effect that the credit card I seek does not exist. Nonetheless, I cannot see why it should be any problem to offer such a card since some hotel frequent guest programs offer exactly what I am seeking, though with limited flexibility and unattractive point conversion rates, and since car rental companies arrange to offer actual mileage to any of numerous airline and hotel patronage accounts.

Anyway, I am not in this inquiry looking for easier means to redeem mileage, but simply to transfer from card points to airline mileage and hotel points about once a year with substantial flexibility. If anyone comes across a card that offers actual mileage transfers to FF & hotel programs, that’s what I’d like to know.

Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 2:05 pm

I don’t know if this will please you any more than anything else, but have you considered the Citi PremierPass Elite Card?

Earn points for the things you buy and the miles you fly on any airline
2 points for every dollar spent at supermarkets, drugstores, gas stations, commuter transportation and parking merchants2
1 point for every dollar spent on all other purchases2
1 point for every mile you fly on any airline2
1 point for every mile flown by anyone else whose ticket you buy with your card1
Here’s an example to show how fast your points can add up… If you were to buy two $350 tickets (one for yourself and one for a friend) on a 6,000 mile round-trip flight, you’d earn 12,700 points. On top of that, you can earn miles in the frequent flyer programs you are enrolled in.

Travel on Any Airline with No Blackout DatesWith the booking tool powered by Expedia® from ThankYouSM Network, you will have maximum flexibility to the way you want—on any carrier with no blackout dates. You can also redeem discounts on hotel stays, gift cards, home electronics, merchandise and more through ThankYou Network, one of the most flexible and versatile rewards programs. http://www.citicards.com/cards/wv/cardDetail.do?screenID=901

Guest: kenn
Posted: Fri Apr 27, 2007 2:07 pm

Thanks for the suggestion. I have not looked at the card you mention in any detail, but Citibank has told me in some extensive discussion that they offer no cards such I wish. From your description, it would appear that the card offers something of the reverse of my needs: it appears to offer points for mileage actually flown - and my problem arises from not currently flying at all - and it awards travel (that is, tickets) rather than miles, or awards other ThankYou program merchandise.

I think I’m just out of luck. I’ll just have to keep remembering how to juggle partners around - this credit card for sending dining points to US, that card for sending them to United, TGIF annual meal for Radisson; then checking annually to see which account I still have to use for FTD flowers and to buy garbage bag supplies for a second lifetime. Life could be worse.

Labels: credit cards with high fees

Money Tips

Written by carnold
Posted On:

Guest: kenn
Post subject: Credit Cards with Travel Rewards
Posted: Wed Apr 25, 2007 8:55 am

Some of my cards claim explicitly to offer so many miles per dollar for various airlines, but in fact they award only travel/tickets, not mileage at all. Excluding the high-fee cards associated with a single airline, are there any cards that offer actual transfer of mileage, say in 1000 mile increments, into numerous major airlines (hotel accounts, too)? I am more interested in keeping inactive FF accounts active. I am looking for a card that works more like a car rental company’s award system: once a year I could just transfer 1000 points from the accumulated card ‘reward’ balance into equivalent mileage in each of several FF accounts which I could specify at the time.

Such transfers within programs of the hospitality and travel industries appear to be common (albeit with diminishingly attractive conversion rates), but I do not find similar bank programs. Direct purchase of mileage points from airlines tends to be prohibitive. At present I have to remember which card is linked to what airline for dining mileage promotions, when to buy annual FTD flowers, etc. (I bought a lifetime supply of garbage bags last day of the USAirways year….)

Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 2:43 pm

kenn wrote:
Some of my cards claim explicitly to offer so many miles per dollar for various airlines, but in fact they award only travel/tickets, not mileage at all. Excluding the kigh-fee cards associated with a single airline, are there any cards that offer actual transfer of mileage, say in 1000 mile increments, into numerous major airlines (hotel accounts, too)? I am more interested in keeping inactive FF accounts active. I am looking for a card that works more like a car rental company’s award system: once a year I could just transfer 1000 points from the accumulated card ‘reward’ balance into equivalent mileage in each of several FF accounts which I could specify at the time.

Such transfers within programs of the hospitality and travel industries appear to be common (albeit with diminishingly attractive conversion rates), but I do not find similar bank programs. Direct purchase of mileage points from airlines tends to be prohibitive. At present I have to remember which card is linked to what airline for dining mileage promotions, when to buy annual FTD flowers, etc. (I bought a lifetime supouy of garbage bags last day of the USAirways year….)

Well I have Citi AA card and it gives me FF miles and I have US Air from Juniper/Barclays and it gives me FF miles. Amex gives Delta Sky miles. There are several others.

What card are you thinking of that does not give actual FF miles?
Something like the Crap1 one big hassle card?

Guest: angelo21
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 3:12 pm

I think you need to check your FF programs.

With Delta, I used to get double mileage for purchasing my ticket with an Amex card (any one). This was indifferent of what I could get from my card.

See if your airline has a similar promo.

Labels: travel reward credit cards

Money Tips

Written by carnold
Posted On:

Guest: kenn
Post subject: Credit Cards with Travel Rewards
Posted: Wed Apr 25, 2007 8:55 am

Some of my cards claim explicitly to offer so many miles per dollar for various airlines, but in fact they award only travel/tickets, not mileage at all. Excluding the high-fee cards associated with a single airline, are there any cards that offer actual transfer of mileage, say in 1000 mile increments, into numerous major airlines (hotel accounts, too)? I am more interested in keeping inactive FF accounts active. I am looking for a card that works more like a car rental company’s award system: once a year I could just transfer 1000 points from the accumulated card ‘reward’ balance into equivalent mileage in each of several FF accounts which I could specify at the time.

Such transfers within programs of the hospitality and travel industries appear to be common (albeit with diminishingly attractive conversion rates), but I do not find similar bank programs. Direct purchase of mileage points from airlines tends to be prohibitive. At present I have to remember which card is linked to what airline for dining mileage promotions, when to buy annual FTD flowers, etc. (I bought a lifetime supply of garbage bags last day of the USAirways year….)

Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 2:43 pm

kenn wrote:
Some of my cards claim explicitly to offer so many miles per dollar for various airlines, but in fact they award only travel/tickets, not mileage at all. Excluding the kigh-fee cards associated with a single airline, are there any cards that offer actual transfer of mileage, say in 1000 mile increments, into numerous major airlines (hotel accounts, too)? I am more interested in keeping inactive FF accounts active. I am looking for a card that works more like a car rental company’s award system: once a year I could just transfer 1000 points from the accumulated card ‘reward’ balance into equivalent mileage in each of several FF accounts which I could specify at the time.

Such transfers within programs of the hospitality and travel industries appear to be common (albeit with diminishingly attractive conversion rates), but I do not find similar bank programs. Direct purchase of mileage points from airlines tends to be prohibitive. At present I have to remember which card is linked to what airline for dining mileage promotions, when to buy annual FTD flowers, etc. (I bought a lifetime supouy of garbage bags last day of the USAirways year….)

Well I have Citi AA card and it gives me FF miles and I have US Air from Juniper/Barclays and it gives me FF miles. Amex gives Delta Sky miles. There are several others.

What card are you thinking of that does not give actual FF miles?
Something like the Crap1 one big hassle card?

Guest: angelo21
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 3:12 pm

I think you need to check your FF programs.

With Delta, I used to get double mileage for purchasing my ticket with an Amex card (any one). This was indifferent of what I could get from my card.

See if your airline has a similar promo.

Labels: travel reward credit cards

Money Tips

Written by carnold
Posted On: April 19, 2007

Guest: amexman
Post subject: American Express Credit Card with High Credit Limit
Posted: Thu Apr 19, 2007 11:17 am

[quote="angelo21"]Amex may be a good alternative. If you apply for a business product your initial CL may be good. You can always ask for LUV upon activation or shortly thereafter. Good luck.[/quote]

Amex is VERY generous with their CL. I went from pre-approved Delta Gold and Amex Blue with 3,200 and 4,200 lines to less than a year with 30K lines on each.

Of course I’ve been with them for years and have other Amex cards.

One nice thing is even with the newly issued cards they put me down as “member since 2003″ and $30,000 CL are showing up on my credit reports as cards issued in 2003.

So that large line with more credit history really helps.

Guest: angelo21
Credit Expert (100+ Posts)
Posted: Thu Apr 19, 2007 11:22 am

Nice.

Labels: AmEx credit limit

Money Tips

Written by carnold
Posted On:

Guest: amexman
Post subject: American Express Credit Card with High Credit Limit
Posted: Thu Apr 19, 2007 11:17 am

[quote="angelo21"]Amex may be a good alternative. If you apply for a business product your initial CL may be good. You can always ask for LUV upon activation or shortly thereafter. Good luck.[/quote]

Amex is VERY generous with their CL. I went from pre-approved Delta Gold and Amex Blue with 3,200 and 4,200 lines to less than a year with 30K lines on each.

Of course I’ve been with them for years and have other Amex cards.

One nice thing is even with the newly issued cards they put me down as “member since 2003″ and $30,000 CL are showing up on my credit reports as cards issued in 2003.

So that large line with more credit history really helps.

Guest: angelo21
Credit Expert (100+ Posts)
Posted: Thu Apr 19, 2007 11:22 am

Nice.

Labels: AmEx credit limit

Money Tips

Written by carnold
Posted On:

Guest: angelo21
Credit Expert (100+ Posts)
Post subject: Credit Card Offer from Capital One
Posted: Thu Apr 19, 2007 10:06 am

They just put your name on a mailing list. They are now fishing to see who is willing to pay their fees. I don’t consider Cap 1 sub prime.

What’s your current CS? Give it time. The offers will come.

Labels: Capital One credit card offer

Money Tips

Written by carnold
Posted On:

Guest: angelo21
Credit Expert (100+ Posts)
Post subject: Credit Card Offer from Capital One
Posted: Thu Apr 19, 2007 10:06 am

They just put your name on a mailing list. They are now fishing to see who is willing to pay their fees. I don’t consider Cap 1 sub prime.

What’s your current CS? Give it time. The offers will come.

Labels: Capital One credit card offer

Money Tips

Written by carnold
Posted On: April 18, 2007

Guest: bullwinkle29
Credit Expert (100+ Posts)
Post subject: How long should I wait to request a credit line increase on my credit card account?
Posted: Wed Apr 18, 2007 7:18 pm

9 MONTHS IS BOFA RULES, AND THEY PULL SOFTS, EXPERIAN ON ME
_________________
TU EX EQ
769 772 782

Guest: howardi
Posted: Thu Apr 19, 2007 1:31 pm

I waited just 1month an got increase up to 10K? 9months is too far.

BOA AMEX: CL:6500..CLI: 10000K after 1month

BOAWP:CL:3000..CLI: 6500 after 1month

AMEX Blue: CL: 2200…CLI: 10000 after about a month,,then 20000K after 1_1/2 month..
_________________
Service to others is the rent we pay for living on Earth.

Labels: Bank of America Credit Card

Money Tips

Written by carnold
Posted On:

Guest: bullwinkle29
Credit Expert (100+ Posts)
Post subject: How long should I wait to request a credit line increase on my credit card account?
Posted: Wed Apr 18, 2007 7:18 pm

9 MONTHS IS BOFA RULES, AND THEY PULL SOFTS, EXPERIAN ON ME
_________________
TU EX EQ
769 772 782

Guest: howardi
Posted: Thu Apr 19, 2007 1:31 pm

I waited just 1month an got increase up to 10K? 9months is too far.

BOA AMEX: CL:6500..CLI: 10000K after 1month

BOAWP:CL:3000..CLI: 6500 after 1month

AMEX Blue: CL: 2200…CLI: 10000 after about a month,,then 20000K after 1_1/2 month..
_________________
Service to others is the rent we pay for living on Earth.

Labels: Bank of America Credit Card

Money Tips

Written by carnold
Posted On:

Guest: Flxiblemetro
Post subject: Subprime Credit Card Offers
Posted: Wed Apr 18, 2007 4:51 pm

Hello again everyone,

I had no credit history when I got approved for a Best Buy store credit card with no annual fee back in August of 2006, so I have established good credit for the past 7 or 8 months. And after about 4 months later, I start getting offers of subprime credit cards in my mail box, however, my Capital One card is somewhat not subprime. My goal is to apply and get approved for at least one major prime credit card. Is there any way I could get offers of prime credit cards in my mailbox for such a short period?

I know that my credit score needs to be in the 700 or 800’s to qualify for a major card with an introductory APR of 0%, no annual fee, low APRs, etc.

Guest: Brammy
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 6:07 pm

Flxiblemetro wrote:
Hello again everyone,

I had no credit history when I got approved for a Best Buy store credit card with no annual fee back in August of 2006, so I have established good credit for the past 7 or 8 months. And after about 4 months later, I start getting offers of subprime credit cards in my mail box, however, my Capital One card is somewhat not subprime. My goal is to apply and get approved for at least one major prime credit card. Is there any way I could get offers of prime credit cards in my mailbox for such a short period?

I know that my credit score needs to be in the 700 or 800’s to qualify for a major card with an introductory APR of 0%, no annual fee, low APRs, etc.

Wow don’t tell my banks that or they will repo my cards Just joking you don’t need scores that high for most cards.

Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 7:15 pm

YOU CAN GET MOST PRIME CARDS WITH SCORES ABOVE 720, HIGHER THE SCORE, MORE CHANCES OF GETTING WITH A HIGHER CL
_________________
TU EX EQ
769 772 782

>

Labels: subprime credit cards

Money Tips

Written by carnold
Posted On:

Guest: Flxiblemetro
Post subject: Subprime Credit Card Offers
Posted: Wed Apr 18, 2007 4:51 pm

Hello again everyone,

I had no credit history when I got approved for a Best Buy store credit card with no annual fee back in August of 2006, so I have established good credit for the past 7 or 8 months. And after about 4 months later, I start getting offers of subprime credit cards in my mail box, however, my Capital One card is somewhat not subprime. My goal is to apply and get approved for at least one major prime credit card. Is there any way I could get offers of prime credit cards in my mailbox for such a short period?

I know that my credit score needs to be in the 700 or 800’s to qualify for a major card with an introductory APR of 0%, no annual fee, low APRs, etc.

Guest: Brammy
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 6:07 pm

Flxiblemetro wrote:
Hello again everyone,

I had no credit history when I got approved for a Best Buy store credit card with no annual fee back in August of 2006, so I have established good credit for the past 7 or 8 months. And after about 4 months later, I start getting offers of subprime credit cards in my mail box, however, my Capital One card is somewhat not subprime. My goal is to apply and get approved for at least one major prime credit card. Is there any way I could get offers of prime credit cards in my mailbox for such a short period?

I know that my credit score needs to be in the 700 or 800’s to qualify for a major card with an introductory APR of 0%, no annual fee, low APRs, etc.

Wow don’t tell my banks that or they will repo my cards Just joking you don’t need scores that high for most cards.

Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 7:15 pm

YOU CAN GET MOST PRIME CARDS WITH SCORES ABOVE 720, HIGHER THE SCORE, MORE CHANCES OF GETTING WITH A HIGHER CL
_________________
TU EX EQ
769 772 782

>

Labels: subprime credit cards

Money Tips

Written by carnold
Posted On:

Guest: BigDog
Post subject: Want Credit Card with High Credit Limit
Posted: Wed Apr 18, 2007 11:30 am

Hi,

Looking for a credit card with a high credit line and not sure where to apply.

I have a BOA card with a 50K limit, Cap1 card with a 2K limit. Cap 1 is a joke, but have had it for years and a Chase card with a 17K limit. My scores are all over 750.

I am looking to apply for another card, but not sure which bank is the most Generous.

Any Suggestions???????

Guest: angelo21
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 12:11 pm

Amex may be a good alternative. If you apply for a business product your initial CL may be good. You can always ask for LUV upon activation or shortly thereafter. Good luck.

Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 1:08 pm

i say go for AMEX BLUE
_________________
TU EX EQ
769 772 782

Labels: credit card with high credit limit

Money Tips

Written by carnold
Posted On:

Guest: BigDog
Post subject: Want Credit Card with High Credit Limit
Posted: Wed Apr 18, 2007 11:30 am

Hi,

Looking for a credit card with a high credit line and not sure where to apply.

I have a BOA card with a 50K limit, Cap1 card with a 2K limit. Cap 1 is a joke, but have had it for years and a Chase card with a 17K limit. My scores are all over 750.

I am looking to apply for another card, but not sure which bank is the most Generous.

Any Suggestions???????

Guest: angelo21
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 12:11 pm

Amex may be a good alternative. If you apply for a business product your initial CL may be good. You can always ask for LUV upon activation or shortly thereafter. Good luck.

Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 1:08 pm

i say go for AMEX BLUE
_________________
TU EX EQ
769 772 782

Labels: credit card with high credit limit

Money Tips

Written by carnold
Posted On: April 16, 2007

Guest: angelo21
Credit Expert (100+ Posts)
Post subject: No Annual Fee With my American Express Credit Card
Posted: Mon Apr 16, 2007 12:03 pm

I don’t have an AF with my Amex either.

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 1:42 pm

I just got the Citi-Update that several of my cards no longer have a no fee BT. Hmmmm….Spose they gotta make theirs somewhere eh’?

Labels: Credit Card With no Annual Fee

Money Tips

Written by carnold
Posted On:

Guest: angelo21
Credit Expert (100+ Posts)
Post subject: No Annual Fee With my American Express Credit Card
Posted: Mon Apr 16, 2007 12:03 pm

I don’t have an AF with my Amex either.

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 1:42 pm

I just got the Citi-Update that several of my cards no longer have a no fee BT. Hmmmm….Spose they gotta make theirs somewhere eh’?

Labels: Credit Card With no Annual Fee

Money Tips

Written by carnold
Posted On:

Guest: angelo21
Credit Expert (100+ Posts)
Post subject: Chase Platinum AmEx Credit Card vs. Centurian Bank
Posted: Mon Apr 16, 2007 10:53 am

Looks very COOL. But no thanks. Why should I pay for something I can get for free or less from the real McCoy (Centurian Bank).

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:23 am

mouse wrote:
Transaction fee for balance transfers: 3% of the amount of each balance transfer, $5 minimum. However, there is a $250 maximum fee with the 0.00% APR balance transfer offer described above.

Yeah, Citi BT offers aren’t all that appealing anymore. Some don’t even have a max on the fee anymore.

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:54 am

Quote:
Why should I pay for something I can get for free or less from the real McCoy (Centurian Bank).

There’s no annual fee associated with this card.

Labels: Centurian Bank Credit Card, Chase Platinum Credit Card

Money Tips

Written by carnold
Posted On:

Guest: angelo21
Credit Expert (100+ Posts)
Post subject: Chase Platinum AmEx Credit Card vs. Centurian Bank
Posted: Mon Apr 16, 2007 10:53 am

Looks very COOL. But no thanks. Why should I pay for something I can get for free or less from the real McCoy (Centurian Bank).

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:23 am

mouse wrote:
Transaction fee for balance transfers: 3% of the amount of each balance transfer, $5 minimum. However, there is a $250 maximum fee with the 0.00% APR balance transfer offer described above.

Yeah, Citi BT offers aren’t all that appealing anymore. Some don’t even have a max on the fee anymore.

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:54 am

Quote:
Why should I pay for something I can get for free or less from the real McCoy (Centurian Bank).

There’s no annual fee associated with this card.

Labels: Centurian Bank Credit Card, Chase Platinum Credit Card

Money Tips

Written by carnold
Posted On:

Guest: angelo21
Credit Expert (100+ Posts)
Post subject: Chase Platinum AmEx Credit Card vs. Centurian Bank
Posted: Mon Apr 16, 2007 10:53 am

Looks very COOL. But no thanks. Why should I pay for something I can get for free or less from the real McCoy (Centurian Bank).

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:23 am

mouse wrote:
Transaction fee for balance transfers: 3% of the amount of each balance transfer, $5 minimum. However, there is a $250 maximum fee with the 0.00% APR balance transfer offer described above.

Yeah, Citi BT offers aren’t all that appealing anymore. Some don’t even have a max on the fee anymore.

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:54 am

Quote:
Why should I pay for something I can get for free or less from the real McCoy (Centurian Bank).

There’s no annual fee associated with this card.

Labels: Centurian Bank Credit Card, Chase Platinum Credit Card

Money Tips

Written by carnold
Posted On:

Guest: angelo21
Credit Expert (100+ Posts)
Post subject: Chase Platinum AmEx Credit Card vs. Centurian Bank
Posted: Mon Apr 16, 2007 10:53 am

Looks very COOL. But no thanks. Why should I pay for something I can get for free or less from the real McCoy (Centurian Bank).

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:23 am

mouse wrote:
Transaction fee for balance transfers: 3% of the amount of each balance transfer, $5 minimum. However, there is a $250 maximum fee with the 0.00% APR balance transfer offer described above.

Yeah, Citi BT offers aren’t all that appealing anymore. Some don’t even have a max on the fee anymore.

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:54 am

Quote:
Why should I pay for something I can get for free or less from the real McCoy (Centurian Bank).

There’s no annual fee associated with this card.

Labels: Centurian Bank Credit Card, Chase Platinum Credit Card

Money Tips

Written by carnold
Posted On:

Guest: georgee
Credit Expert (100+ Posts)
Post subject: Debit Card vs. ATM Card
Posted: Mon Apr 16, 2007 8:35 am

Hi, LustfortheMoment:

I do have a checking account, and I also have a “plain old ATM card” (i.e., no MC or Visa logo).

I do not carry the ATM card, because I use so little cash. I am scared of debit (i.e., with MC or Visa logo) cards because my checking account balance can be drained, even without a PIN, if someone gets a hand on it. Even though you get your money back, there is a ‘dispute’ time when you are out of the money, and your checks written already can bounce, etc.

Obviously, even if I had a debit card, I would only use it to get cash or deposit checks. In an extremely rare circumstance, if I went into a store which only takes cash or PIN-based debit cards, I suppose I could use it to buy something by entering my PIN. Those would be the only uses for it, but I can do all that with my ATM card, too. It has a $500 daily withdrawal limit, and I really don’t travel overseas.

Do you think I should start to carry my ATM card, or should I get a debit card?

What will a debit card do for me, in my situation, that my ATM card won’t?

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:59 am

Quote:
I am scared of debit (i.e., with MC or Visa logo) cards because my checking account balance can be drained, even without a PIN, if someone gets a hand on it.

I see. If you’re that frightened of losing your debit card, then I guess that it makes sense not to carry one. I don’t need that peace of mind. If my purse was stolen, I’d contact the BofA about my debit card and then AMEX and MC about my credit cards.

The only illicit use of any of my cards over the years occurred without any “theft” from my wallet .

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 1:27 pm

LustfortheMoment wrote:
Quote:
I am scared of debit (i.e., with MC or Visa logo) cards because my checking account balance can be drained, even without a PIN, if someone gets a hand on it.

I see. If you’re that frightened of losing your debit card, then I guess that it makes sense not to carry one. I don’t need that peace of mind. If my purse was stolen, I’d contact the BofA about my debit card and then AMEX and MC about my credit cards.

The only illicit use of any of my cards over the years occurred without any “theft” from my wallet .

I cant resist Lust….Was it the dreaded “Thief of hearts”?

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 3:58 pm

Quote:
I cant resist Lust….Was it the dreaded “Thief of hearts”?

LOL, Chaz . No, on two different occasions I’ve had my cards used by folks hundreds/thousands of miles away who somehow got hold of my account numbers. Both times, the Citibank computers picked up the “suspicious” activity. I was called immediately, and the accounts were closed/reissued.

Georgee, the biggest risk to all of us doesn’t rest with actual “theft” of our cards, either cc or debit. It comes from identity theft via databases. For just a few bucks, anyone can get your Social Security number on line; then they’re off to the races. Perhaps your local waiter/waitress is selling your credit card numbers to nefarious folks.

Labels: Debit Card or ATM Card?

Money Tips

Written by carnold
Posted On:

Guest: georgee
Credit Expert (100+ Posts)
Post subject: Debit Card vs. ATM Card
Posted: Mon Apr 16, 2007 8:35 am

Hi, LustfortheMoment:

I do have a checking account, and I also have a “plain old ATM card” (i.e., no MC or Visa logo).

I do not carry the ATM card, because I use so little cash. I am scared of debit (i.e., with MC or Visa logo) cards because my checking account balance can be drained, even without a PIN, if someone gets a hand on it. Even though you get your money back, there is a ‘dispute’ time when you are out of the money, and your checks written already can bounce, etc.

Obviously, even if I had a debit card, I would only use it to get cash or deposit checks. In an extremely rare circumstance, if I went into a store which only takes cash or PIN-based debit cards, I suppose I could use it to buy something by entering my PIN. Those would be the only uses for it, but I can do all that with my ATM card, too. It has a $500 daily withdrawal limit, and I really don’t travel overseas.

Do you think I should start to carry my ATM card, or should I get a debit card?

What will a debit card do for me, in my situation, that my ATM card won’t?

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:59 am

Quote:
I am scared of debit (i.e., with MC or Visa logo) cards because my checking account balance can be drained, even without a PIN, if someone gets a hand on it.

I see. If you’re that frightened of losing your debit card, then I guess that it makes sense not to carry one. I don’t need that peace of mind. If my purse was stolen, I’d contact the BofA about my debit card and then AMEX and MC about my credit cards.

The only illicit use of any of my cards over the years occurred without any “theft” from my wallet .

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 1:27 pm

LustfortheMoment wrote:
Quote:
I am scared of debit (i.e., with MC or Visa logo) cards because my checking account balance can be drained, even without a PIN, if someone gets a hand on it.

I see. If you’re that frightened of losing your debit card, then I guess that it makes sense not to carry one. I don’t need that peace of mind. If my purse was stolen, I’d contact the BofA about my debit card and then AMEX and MC about my credit cards.

The only illicit use of any of my cards over the years occurred without any “theft” from my wallet .

I cant resist Lust….Was it the dreaded “Thief of hearts”?

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 3:58 pm

Quote:
I cant resist Lust….Was it the dreaded “Thief of hearts”?

LOL, Chaz . No, on two different occasions I’ve had my cards used by folks hundreds/thousands of miles away who somehow got hold of my account numbers. Both times, the Citibank computers picked up the “suspicious” activity. I was called immediately, and the accounts were closed/reissued.

Georgee, the biggest risk to all of us doesn’t rest with actual “theft” of our cards, either cc or debit. It comes from identity theft via databases. For just a few bucks, anyone can get your Social Security number on line; then they’re off to the races. Perhaps your local waiter/waitress is selling your credit card numbers to nefarious folks.

Labels: Debit Card or ATM Card?

Money Tips

Written by carnold
Posted On:

Guest: xace
Post subject: New Design on Discover Credit Card
Posted: Mon Apr 16, 2007 7:32 am

I havent received any word of a new card.

Guest: angelo21
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:05 am

No word. I asked AJ some time back if he thought this would apply to all Dicover accounts. Mine is through Sam’s (GEMB).

Guest: amexman
Posted: Thu Apr 19, 2007 11:33 am

[quote="TomfromCT"]They sent me a new card a couple of weeks ago.

They sent me a generic design. [/quote]

Go to their site - discovercard.com they have SCORES of designs you can pick from.

As a matter of fact when I got my generic card I picked a nice design and they sent me a new card (same acc’t #) within days.

So I have 2 Discover cards (same acc’t number).

Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Thu Apr 19, 2007 11:47 am

i only got the new miles card design when i called and asked for it. my wife has not recived her new card yet. she did get a letter though
_________________
TU EX EQ
769 772 782

Labels: Discover credit card design

Money Tips

Written by carnold
Posted On:

Guest: xace
Post subject: New Design on Discover Credit Card
Posted: Mon Apr 16, 2007 7:32 am

I havent received any word of a new card.

Guest: angelo21
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:05 am

No word. I asked AJ some time back if he thought this would apply to all Dicover accounts. Mine is through Sam’s (GEMB).

Guest: amexman
Posted: Thu Apr 19, 2007 11:33 am

[quote="TomfromCT"]They sent me a new card a couple of weeks ago.

They sent me a generic design. [/quote]

Go to their site - discovercard.com they have SCORES of designs you can pick from.

As a matter of fact when I got my generic card I picked a nice design and they sent me a new card (same acc’t #) within days.

So I have 2 Discover cards (same acc’t number).

Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Thu Apr 19, 2007 11:47 am

i only got the new miles card design when i called and asked for it. my wife has not recived her new card yet. she did get a letter though
_________________
TU EX EQ
769 772 782

Labels: Discover credit card design

Money Tips

Written by carnold
Posted On: April 15, 2007

Guest: Chazmanian
Credit Expert (100+ Posts)
Post subject: How much credit line increase should I request for my AmEx credit card?
Posted: Sun Apr 15, 2007 7:54 pm

TomfromCT wrote:
3k.

Go for it!

Thomas….O-Ray-Ka-Ham-Nida.

Korean for long time no see…Whaaup wit cha’ Big “T”?

Guest: spjoink
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 9:13 pm

ask for $10k not $3k..u will get it
_________________
Den eneste Norske Viking pa dette forum!

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 1:47 pm

spjoink wrote:
ask for $10k not $3k..u will get it

He is right…Ask and Ye’ Shall recieve!
A closed mouth dont get fed.
A bird in hand is better than something in a bush? Forgot that one….But I’m convinced that Amex is quite generous. I asked in smaller increments as I was scared to be the first guy in history to get told…NO!

Labels: American Express Credit Line Increase

Money Tips

Written by carnold
Posted On:

Guest: Chazmanian
Credit Expert (100+ Posts)
Post subject: How much credit line increase should I request for my AmEx credit card?
Posted: Sun Apr 15, 2007 7:54 pm

TomfromCT wrote:
3k.

Go for it!

Thomas….O-Ray-Ka-Ham-Nida.

Korean for long time no see…Whaaup wit cha’ Big “T”?

Guest: spjoink
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 9:13 pm

ask for $10k not $3k..u will get it
_________________
Den eneste Norske Viking pa dette forum!

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 1:47 pm

spjoink wrote:
ask for $10k not $3k..u will get it

He is right…Ask and Ye’ Shall recieve!
A closed mouth dont get fed.
A bird in hand is better than something in a bush? Forgot that one….But I’m convinced that Amex is quite generous. I asked in smaller increments as I was scared to be the first guy in history to get told…NO!

Labels: American Express Credit Line Increase

Money Tips

Written by carnold
Posted On:

Guest: Xstation
Post subject: Carry Cash in Addition to Credit Cards
Posted: Sun Apr 15, 2007 6:18 pm

mouse wrote:
$5.00 in pocket change is about the most I carry

(mostly QUARTERS for vending machines)

$100

????????????????

glad to see you back MOUSE!!!

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Apr 15, 2007 10:27 pm

Xstation wrote:
mouse wrote:
$5.00 in pocket change is about the most I carry

(mostly QUARTERS for vending machines)

$100

????????????????

glad to see you back MOUSE!!!

ON A TEST BASIS

The trouble makers get in my face again…I CAN’T STAY

Guest: Brammy
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 10:55 pm

mouse wrote:
Xstation wrote:
mouse wrote:
$5.00 in pocket change is about the most I carry

(mostly QUARTERS for vending machines)

$100

????????????????

glad to see you back MOUSE!!!

ON A TEST BASIS

The trouble makers get in my face again…I CAN’T STAY

‘Bout time!!! I was wearing my Caps lock out tryng to fill in.

Labels: Carry Cash and Credit Cards

Money Tips

Written by carnold
Posted On:

Guest: Xstation
Post subject: Carry Cash in Addition to Credit Cards
Posted: Sun Apr 15, 2007 6:18 pm

mouse wrote:
$5.00 in pocket change is about the most I carry

(mostly QUARTERS for vending machines)

$100

????????????????

glad to see you back MOUSE!!!

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Apr 15, 2007 10:27 pm

Xstation wrote:
mouse wrote:
$5.00 in pocket change is about the most I carry

(mostly QUARTERS for vending machines)

$100

????????????????

glad to see you back MOUSE!!!

ON A TEST BASIS

The trouble makers get in my face again…I CAN’T STAY

Guest: Brammy
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 10:55 pm

mouse wrote:
Xstation wrote:
mouse wrote:
$5.00 in pocket change is about the most I carry

(mostly QUARTERS for vending machines)

$100

????????????????

glad to see you back MOUSE!!!

ON A TEST BASIS

The trouble makers get in my face again…I CAN’T STAY

‘Bout time!!! I was wearing my Caps lock out tryng to fill in.

Labels: Carry Cash and Credit Cards

Money Tips

Written by carnold
Posted On:

Guest: georgee
Credit Expert (100+ Posts)
Post subject: Should I get an ATM or debit card in addition to my credit cards?
Posted: Sun Apr 15, 2007 5:29 pm

Hi, LustfortheMoment:

I do have a checking account, and I also have a “plain old ATM card” (i.e., no MC or Visa logo).

I do not carry the ATM card, because I use so little cash. I am scared of debit (i.e., with MC or Visa logo) cards because my checking account balance can be drained, even without a PIN, if someone gets a hand on it. Even though you get your money back, there is a ‘dispute’ time when you are out of the money, and your checks written already can bounce, etc.

Obviously, even if I had a debit card, I would only use it to get cash or deposit checks. In an extremely rare circumstance, if I went into a store which only takes cash or PIN-based debit cards, I suppose I could use it to buy something by entering my PIN. Those would be the only uses for it, but I can do all that with my ATM card, too. It has a $500 daily withdrawal limit, and I really don’t travel overseas.

Do you think I should start to carry my ATM card, or should I get a debit card?

What will a debit card do for me, in my situation, that my ATM card won’t?

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 5:53 pm

I don’t use debit cards. I have an ATM-only card from WAMU for deposits and cash withdrawl.

I carry cash in my wallet for emergencies and the few times credit cards wouldn’t be an option. There are actually quite a few situations I can think of that would be cash only.

It’s extremely rare for me that AMEX isn’t accepted. Blue is my primary card but I also have Visa/MC/Discover/JCB in my wallet.

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Apr 15, 2007 6:14 pm

$5.00 in pocket change is about the most I carry

(mostly QUARTERS for vending machines)

$100

????????????????

Labels: credit cards and ATM card?

Money Tips

Written by carnold
Posted On:

Guest: georgee
Credit Expert (100+ Posts)
Post subject: Should I get an ATM or debit card in addition to my credit cards?
Posted: Sun Apr 15, 2007 5:29 pm

Hi, LustfortheMoment:

I do have a checking account, and I also have a “plain old ATM card” (i.e., no MC or Visa logo).

I do not carry the ATM card, because I use so little cash. I am scared of debit (i.e., with MC or Visa logo) cards because my checking account balance can be drained, even without a PIN, if someone gets a hand on it. Even though you get your money back, there is a ‘dispute’ time when you are out of the money, and your checks written already can bounce, etc.

Obviously, even if I had a debit card, I would only use it to get cash or deposit checks. In an extremely rare circumstance, if I went into a store which only takes cash or PIN-based debit cards, I suppose I could use it to buy something by entering my PIN. Those would be the only uses for it, but I can do all that with my ATM card, too. It has a $500 daily withdrawal limit, and I really don’t travel overseas.

Do you think I should start to carry my ATM card, or should I get a debit card?

What will a debit card do for me, in my situation, that my ATM card won’t?

Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 5:53 pm

I don’t use debit cards. I have an ATM-only card from WAMU for deposits and cash withdrawl.

I carry cash in my wallet for emergencies and the few times credit cards wouldn’t be an option. There are actually quite a few situations I can think of that would be cash only.

It’s extremely rare for me that AMEX isn’t accepted. Blue is my primary card but I also have Visa/MC/Discover/JCB in my wallet.

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Apr 15, 2007 6:14 pm

$5.00 in pocket change is about the most I carry

(mostly QUARTERS for vending machines)

$100

????????????????

Labels: credit cards and ATM card?

Money Tips

Written by Joe Taylor
Posted On:

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: Discover Issuing New Credit Cards?
Posted: Sun Apr 15, 2007 4:20 pm

I received a notice that Discover will be sending me a new card because of the name change from “Platinum” to “More”. The notice also said the account number would be changing.

Has anyone got their new card yet? I’m curious if they’ll send me the custom card design I have now. I have this one from the “clear” collection;

Until next year I’ll only be using my Discover for the 0% 0 fee BT, which I recently took advantage of and put in my 5%APR WAMU savings account. After that I’m looking forward to taking advantage of the 5% cash back bonuses not available on any of my other cards.

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 5:18 pm

They sent me a new card a couple of weeks ago.

They sent me a generic design.
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Apr 15, 2007 10:19 pm

I have the lighthouse

Looks like a NEW ENGLAND sea side

They change the picture and give me a new account number I won’t like that

DON’T DARE ASK THE CUSTOMER THEIR OPINION

Labels: new Discover credit card

Money Tips

Written by Joe Taylor
Posted On:

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: Discover Issuing New Credit Cards?
Posted: Sun Apr 15, 2007 4:20 pm

I received a notice that Discover will be sending me a new card because of the name change from “Platinum” to “More”. The notice also said the account number would be changing.

Has anyone got their new card yet? I’m curious if they’ll send me the custom card design I have now. I have this one from the “clear” collection;

Until next year I’ll only be using my Discover for the 0% 0 fee BT, which I recently took advantage of and put in my 5%APR WAMU savings account. After that I’m looking forward to taking advantage of the 5% cash back bonuses not available on any of my other cards.

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 5:18 pm

They sent me a new card a couple of weeks ago.

They sent me a generic design.
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Apr 15, 2007 10:19 pm

I have the lighthouse

Looks like a NEW ENGLAND sea side

They change the picture and give me a new account number I won’t like that

DON’T DARE ASK THE CUSTOMER THEIR OPINION

Labels: new Discover credit card

Money Tips

Written by Joe Taylor
Posted On:

Guest: TomfromCT
Credit Expert (100+ Posts)
Post subject: Credit Line Increase on my American Express Credit Card
Posted: Sun Apr 15, 2007 2:18 pm

let us know how it go

slow and low

that is the tempo
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 2:21 pm

AJ, I went “Blue” back in December and have since added 8K in CLI. 4K I asked for and was granted each time. Card is at 15K now and I will “Roll the bones” one more time in June then one finale in August. This next “Roll” I’m asking for 5K per.

Card is at Zero Balance/PIF’ed each month and have only used the card at Starbucks as that seemed like the “Prime card” thing to do!!!

I just want to get the card up to 25K……Then call er’ a day and let it sit on my report to make me look “Sooper Prime”.

Guest: xace
Posted: Sun Apr 15, 2007 2:54 pm

Hit the button and tell us how it goes.

Labels: AmEx Credit Card Credit Line Increase

Money Tips

Written by Joe Taylor
Posted On:

Guest: TomfromCT
Credit Expert (100+ Posts)
Post subject: Credit Line Increase on my American Express Credit Card
Posted: Sun Apr 15, 2007 2:18 pm

let us know how it go

slow and low

that is the tempo
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 2:21 pm

AJ, I went “Blue” back in December and have since added 8K in CLI. 4K I asked for and was granted each time. Card is at 15K now and I will “Roll the bones” one more time in June then one finale in August. This next “Roll” I’m asking for 5K per.

Card is at Zero Balance/PIF’ed each month and have only used the card at Starbucks as that seemed like the “Prime card” thing to do!!!

I just want to get the card up to 25K……Then call er’ a day and let it sit on my report to make me look “Sooper Prime”.

Guest: xace
Posted: Sun Apr 15, 2007 2:54 pm

Hit the button and tell us how it goes.

Labels: AmEx Credit Card Credit Line Increase

Money Tips

Written by Joe Taylor
Posted On:

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Should AmEx Blue Credit Card Member Try Luv Button Online?
Posted: Sun Apr 15, 2007 1:38 pm

Haven’t tried it yet. I have a limit of 10k had a balance of 3800 paid it off. Currently I have no balance. What would be a decent amount to try for?
_________________
Evolution is a state of mind

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 1:44 pm

3k.

Go for it!
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Guest: AJ
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 2:13 pm

thanks tom
_________________
Evolution is a state of mind

Labels: American Express Luv Button, AmEx Online Luv Button

Money Tips

Written by Joe Taylor
Posted On:

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Should AmEx Blue Credit Card Member Try Luv Button Online?
Posted: Sun Apr 15, 2007 1:38 pm

Haven’t tried it yet. I have a limit of 10k had a balance of 3800 paid it off. Currently I have no balance. What would be a decent amount to try for?
_________________
Evolution is a state of mind

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 1:44 pm

3k.

Go for it!
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Guest: AJ
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 2:13 pm

thanks tom
_________________
Evolution is a state of mind

Labels: American Express Luv Button, AmEx Online Luv Button

Money Tips

Written by Joe Taylor
Posted On:

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Should AmEx Blue Credit Card Member Try Luv Button Online?
Posted: Sun Apr 15, 2007 1:38 pm

Haven’t tried it yet. I have a limit of 10k had a balance of 3800 paid it off. Currently I have no balance. What would be a decent amount to try for?
_________________
Evolution is a state of mind

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 1:44 pm

3k.

Go for it!
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Guest: AJ
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 2:13 pm

thanks tom
_________________
Evolution is a state of mind

Labels: American Express Luv Button, AmEx Online Luv Button

Money Tips

Written by Joe Taylor
Posted On:

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Should AmEx Blue Credit Card Member Try Luv Button Online?
Posted: Sun Apr 15, 2007 1:38 pm

Haven’t tried it yet. I have a limit of 10k had a balance of 3800 paid it off. Currently I have no balance. What would be a decent amount to try for?
_________________
Evolution is a state of mind

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 1:44 pm

3k.

Go for it!
_________________
91% Humor free posting since June, 2006

Avg FICO 645

2 reports full of perfection

*some comments stolen and/or paraphrased from mouse.

1 report with 1 derog.

I like sloppy joes in hot dog buns.

Guest: AJ
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 2:13 pm

thanks tom
_________________
Evolution is a state of mind

Labels: American Express Luv Button, AmEx Online Luv Button

Money Tips

Written by carnold
Posted On:

Guest: socalcrazyboy
Post subject: Citi Platinum AmEx Credit Card Offer
Posted: Sun Apr 15, 2007 11:45 pm

SO CITI has a new plastic for their Platinum Amex Card

check it out here ….

http://www.citicards.com/cards/wv/cardDetail.do?screenID=927

VERY HOTT!

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Mon Apr 16, 2007 12:55 am

Transaction fee for balance transfers: 3% of the amount of each balance transfer, $5 minimum. However, there is a $250 maximum fee with the 0.00% APR balance transfer offer described above.

Guest: xace
Posted: Mon Apr 16, 2007 7:07 am

Yeap I want. Also this card has a minimum credit limit of 8000. If I read the Terms and Conditions correctly.

Labels: AmEx Platinum Offer from CitiBank

Money Tips

Written by carnold
Posted On:

Guest: socalcrazyboy
Post subject: Citi Platinum AmEx Credit Card Offer
Posted: Sun Apr 15, 2007 11:45 pm

SO CITI has a new plastic for their Platinum Amex Card

check it out here ….

http://www.citicards.com/cards/wv/cardDetail.do?screenID=927

VERY HOTT!

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Mon Apr 16, 2007 12:55 am

Transaction fee for balance transfers: 3% of the amount of each balance transfer, $5 minimum. However, there is a $250 maximum fee with the 0.00% APR balance transfer offer described above.

Guest: xace
Posted: Mon Apr 16, 2007 7:07 am

Yeap I want. Also this card has a minimum credit limit of 8000. If I read the Terms and Conditions correctly.

Labels: AmEx Platinum Offer from CitiBank

Money Tips

Written by carnold
Posted On:

Guest: jlrdc909
Credit Expert (100+ Posts)
Post subject: USBank WorldPerks Signature Visa Credit Card Offer
Posted: Sun Apr 15, 2007 10:10 am

I recently pulled my CR and was delighted to see that the Worldperks Signature Visa by US Bank does report your credit limit, however Citibank does not report the limit on the World Mastercard.
FYI

Guest: cowb0ysfan
Posted: Wed Apr 18, 2007 11:12 pm

Do you know if it’s a policy of US Bank to report CL’s on all of their Signature Visa products or just the Worldperks? I have a Skypass Visa from US Bank and thinking about upgrading to Signature. Also, do they pull a report for an upgrade?

Guest: jlrdc909
Credit Expert (100+ Posts)
Posted: Thu Apr 19, 2007 5:44 am

I would think the “signature” policy would be the same on all the cards, I called CS, who transferred me over to the signature dept for the worldperks card, took just minutes.
I called on a Weds PM, and Monday the new card was in my box

Guest: cowb0ysfan
Posted: Thu Apr 19, 2007 11:20 am

How long did you have Worldperks before you got the upgrade? Do you know if they pulled to give this upgrade and if they did who did they use? Thanks.

Labels: credit card offer from USBank

Money Tips

Written by carnold
Posted On:

Guest: jlrdc909
Credit Expert (100+ Posts)
Post subject: USBank WorldPerks Signature Visa Credit Card Offer
Posted: Sun Apr 15, 2007 10:10 am

I recently pulled my CR and was delighted to see that the Worldperks Signature Visa by US Bank does report your credit limit, however Citibank does not report the limit on the World Mastercard.
FYI

Guest: cowb0ysfan
Posted: Wed Apr 18, 2007 11:12 pm

Do you know if it’s a policy of US Bank to report CL’s on all of their Signature Visa products or just the Worldperks? I have a Skypass Visa from US Bank and thinking about upgrading to Signature. Also, do they pull a report for an upgrade?

Guest: jlrdc909
Credit Expert (100+ Posts)
Posted: Thu Apr 19, 2007 5:44 am

I would think the “signature” policy would be the same on all the cards, I called CS, who transferred me over to the signature dept for the worldperks card, took just minutes.
I called on a Weds PM, and Monday the new card was in my box

Guest: cowb0ysfan
Posted: Thu Apr 19, 2007 11:20 am

How long did you have Worldperks before you got the upgrade? Do you know if they pulled to give this upgrade and if they did who did they use? Thanks.

Labels: credit card offer from USBank

Money Tips

Written by carnold
Posted On:

Guest: davej
Post subject: Carry Credit Cards and Cash for Emergencies
Posted: Sun Apr 15, 2007 5:36 am

What if emergency happens far from an ATM?? Do you know the story of billionaire Howard Hughes, when emergency caught him somewhere cashless and, thus, helpless, with no ATMs or people who knew him… I don’t think he was happy back then… Carrying little cash along with debit and credit cards is not a bad idea after all, I guess…

Guest: JaneiR36
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 7:44 am

I always carry debit cards, but not really as back-up payment. More so I can access the ATM if I need to deposit a check. The one place that only took cash now takes credit, so I don’t have to withdraw cash as often.

Personally, I’m prepared to walk away if both cards failed to swipe. I assume if I were in a restaurant, I’d just shrug and see what they can come up with. Oh, I guess I also carry a check book… my rent and this one particular restaurant pretty much require that I do.

My sister once joked that you should always carry cash, in case a robber got you. You know, one of those “your money or your life” gigs. Ya probably wanna have the money. haha.

Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 8:35 am

Quote:
Has anyone ever gone into a store or restaurant that does not take AMEX, so you pull out a Visa or Mastercard (your #2 card), and it doesn’t scan or work

NO, and I travel a lot overseas as well. If the scan of a Visa/MC doesn’t work, the account number can always be manually entered. As long as you keep your account in good standing, there shouldn’t be a problem.

I therefore travel with only two credit cards, AMEX Blue Cash and MC. However, I also have a BofA debit card which I use to obtain cash at ATMs. You can use credit cards in the same fashion but will get hit with a cash advance charge.

Georgee, don’t you have a checking account?? Do you avoid debit cards because you’re uncomfortable with ATMs??

Abby

Labels: credit cards and cash

Money Tips

Written by carnold
Posted On:

Guest: davej
Post subject: Carry Credit Cards and Cash for Emergencies
Posted: Sun Apr 15, 2007 5:36 am

What if emergency happens far from an ATM?? Do you know the story of billionaire Howard Hughes, when emergency caught him somewhere cashless and, thus, helpless, with no ATMs or people who knew him… I don’t think he was happy back then… Carrying little cash along with debit and credit cards is not a bad idea after all, I guess…