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Searching for Information on One from American Express
Guest: ore83 Post subject: Posted: Fri Feb 24, 2006 1:16 am Does anybody have any info on One, from AMEX? I was just approved for it and wanted to know if anybody out there has any experiences to share? I couldn't find the card in the card review section....
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Feb 24, 2006 2:05 am ore83 wrote: Does anybody have any info on One, from AMEX? I was just approved for it and wanted to know if anybody out there has any experiences to share? I couldn't find the card in the card review section.... I don't want it
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Guest: Ore83 Posted: Fri Feb 24, 2006 2:36 am You don't want it? I thought it sounded neat because of the savings account. Also, does any one know more about the whole 'no pre-set spending limit'?
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Guest: rapjunkie Posted: Fri Feb 24, 2006 4:06 am I don't have the card, but I've read that there's an annual fee (waived the first year). With the savings account being 1%, it just doesn't seem worth it when there are cash back cards available and you could always deposit that cash into a high yield savings account. If AMEX at least did away with the annual fee entirely, it would sound like a cool idea for people that wanted some savings being established that they don't even want to have to think about.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Fri Feb 24, 2006 9:15 am Good points rapjunkie. I agree. I have a problem with a savings related card that charges an annual fee. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: ore83 Posted: Fri Feb 24, 2006 6:41 pm The annual fee after the first year certainly sucks, but you can also put your OWN money into this acct, which has a higher rate than my regular savings acct could ever offer. I think that's what won me over... Still the 'no pre-set spending limit' sparks my curiousity.
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Guest: shooter Credit Expert (100+ Posts) Posted: Fri Feb 24, 2006 8:44 pm I was interested in this card and almost applied for it. Luckily I found out about emigrant Direct's money market account which is now paying 4.25%. That is higher than the Amex savings account and I can put my own money into it. Plus I can take the cash back rewards from my other cards which give me more than 1% and put those into that account. There are better options out there which don't require an annual fee. Can't comment on the no pre-set limit as I don't have any Amex charge cards.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Feb 24, 2006 8:51 pm UNLIMITED CREDIT LIMIT is a false statement You have an EXPOSURE LIMIT That amount is known (only if you can get it on-line or by phone) if you don't know it you never know when you will be denied You could spend $5,000 on something and be approved and go to McDONALDS for HAPPY MEALS for the kids and be DENIED for that $10 sale THE EXPOSURE LIMIT CAN CHANGE FROM DAY TO DAY OR WEEK TO WEEK OR MONTH TO MONTH (and it not always in an UP direction)
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Guest: ore83 Posted: Sat Feb 25, 2006 12:20 am Hey shooter, how do I found out more on Emigrant Direct's money market account? Mouse, the whole exposure limit thing sounds worthless, almost think I'd rather just have a credit limit. I asked the rep with AMEX if it had a limit or if they just called it a no limit card... and he said "no, it really has no limit"... I read on here that people have actually gotten them to tell them their exposure limits... The guy I talked with wasn't very responsive... *sigh*
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Guest: shooter Credit Expert (100+ Posts) Posted: Sat Feb 25, 2006 1:41 am go to emigrantdirect.com and click the "learn more" link and that will have all the info you need. You can set it up and make an initial deposit online then it takes a few days for them to get it all set up and verified before you can make further transactions with it.
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Guest: rainyday Posted: Sat Feb 25, 2006 8:10 am You might also consider HSBC Direct 4.80% until 4-30-06. This online savings account has consistantly been one of the highest APR's and if you have local branches you can have access though their debit card. Link to HSBC online savings bonus good till 2-28-06, enter promo code "start".... http://hsbcdirect.com/1/start.htm Link to $10 bonus for opening a free checking account with HSBC.. http://www.us.hsbc.com/1/2/3/personal/checking/freecheckingoffer?code=CHECK Link to HSBC Smart Checking package and get $50 bonus* with your new HSBC Debit MasterCard® Card.. http://www.us.hsbc.com/1/2/3/personal/checking/debitoffer?code=GET50 I've been happy with them! _________________ Experience is a hard teacher because she gives the test first, the lesson afterward.
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Guest: shooter Credit Expert (100+ Posts) Posted: Sat Feb 25, 2006 5:56 pm rainyday wrote: You might also consider HSBC Direct 4.80% until 4-30-06. This online savings account has consistantly been one of the highest APR's and if you have local branches you can have access though their debit card. Link to HSBC online savings bonus good till 2-28-06, enter promo code "start".... http://hsbcdirect.com/1/start.htm Link to $10 bonus for opening a free checking account with HSBC.. http://www.us.hsbc.com/1/2/3/personal/checking/freecheckingoffer?code=CHECK Link to HSBC Smart Checking package and get $50 bonus* with your new HSBC Debit MasterCard® Card.. http://www.us.hsbc.com/1/2/3/personal/checking/debitoffer?code=GET50 I've been happy with them! Wow that is good to know. Thanks!
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Guest: ore83 Posted: Sun Feb 26, 2006 12:22 pm Okay, so I'm just starting the process for Emigrant Direct... Sounds like it'll take a few days to open since they want to 'test' my bank account to ensure it's mine by depositing and withdrawing some change and have me confirm the amounts. I like the fact that it's a savings acct with a decent amount of interest with NO min deposit. Now is it strictly an online account or will an ATM card or similar come with the acct? Also, with my One from AMEX acct, it has no pre-set limit but rather an 'exposure limit'. Usually those are only on 'charge' cards where you must pay the bal. in full every month, but mine also has the option to pay it like a regular 'credit' card... As in whatever I can and that it doesn't have to be in full. So is it like a 'charge' card with the flexability of a 'credit' card? The more I read on it the most I get confused...
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Guest: Tek Posted: Mon Feb 27, 2006 8:54 am The American Express One Card is a charge card. However, they will let you carry a balance if you need to. In that case, they will charge you interest like any other credit card. They do this on other charge cards under the name "Sign & Travel" and "Extended Payments". Under those programs you have to be over $200 on a purchase or any travel purchase of any amount. The One card will let you extend any purchase. The NO-PRE SET Spending limit isn't that big of a deal. I doubt you will ever reach it because it is based off your income. If you reach it then you might question if your spending more then you make. As far as the $35 annual fee is concerned. If you make use of the all the cars protection features and American Express Selects offers, the $35 will be covered and then some by all the savings. I have always told people who are upset about the annual fees on AMEX cards that if they use the card for everything and take advantage of its features it will pay for itself and then some. My Gold Card has a $90 annual fee. By the end of the year I have usually benefited from $300 worth of goodies, protection, discounts, or membership rewards. Hope this helped.
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Guest: credithelp Credit Expert (100+ Posts) Posted: Mon Feb 27, 2006 6:37 pm The money that i put into the account makes it worthwhile, not the 1% back. Unless you are a big spender the 1% doesnt add up to much. I do like the fact that i can withdraw money without an early withdrawal penalty. I'm sure i will charge at least 3500 a year so the annual fee will pay for itself with the initial 1% back.
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Credit Card Offer Addiction?
Guest: Chazmanian Post subject: Credit Card Offer Addiction?Posted: Fri Feb 24, 2006 1:40 am Is there such a thing as Credit card addiction? I find myself fighting the urges to apply madly for every card I can get...I love waiting for that Derned envelope to come in the mailbox! I race home from work the day after I've applied hoping for that nice thick envelope with that nice hard unbendable section....Jeeze that was bad. I love setting up online pay! I love the Thank you point network! I'll spend 50 bucks at Wal-mart on my card even though I have the cash in my wallet....Just so I can send in a payment? I want a wallet chock full o' cards to make me feel strong? and I'm a big guy with a rough and tumble job as I manage a large outbound callcenter and have the misfortune of having to mistreat my drugged up unsavory outbound telemarketing crew?......But I feel addicted, I love the joy of an approval! I really like the envelope and will open it very slowly like Charlie opening his candy bar in the Wonka book. I'll read over every little detail and find dumb excuses to call the customer service number? Waiting on the Ciscover card is really exciting and for some wierd reason I hope it takes a long time so I can rush home every day to open my mailbox and feel around for my "Golden Ticket".... In the past 2 months I have gotten: Citi-simplicity $2600 limit. Nice card 0% on everything til next year. Citi-Premier pass $6000 base limit but can go over so long as I pay the overage the next month...they call that no preset limit? BOA platinum $4600 limit 0% BT's....Waiting for it in the mail and was approved instantly online.(Comes with some little mini-card that sposed to go on your keychain?) I lose my keys everyday...I cannot imagine losing my keys and a credit card daily.... Providian Pay-Pal Visa $1000 limit???? still cannot wait to get it in the derned mailbox and open er' up slow and easy! Waiting on the discover folks. And loving it. so much in fact that I have called them every day for the past 4 days. Am I ill? Are there others like me? I pay my stuff off really fast, have a nice wife a cool new toyota 4x4 and a decent paying job. But I sure do get a rush, or better yet a high from applying for these cards and awaiting the results!....Sorry to ramble. Chuck.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Feb 24, 2006 2:02 am Chazmanian wrote: Is there such a thing as Credit card addiction? I find myself fighting the urges to apply madly for every card I can get...I love waiting for that Derned envelope to come in the mailbox! I race home from work the day after I've applied hoping for that nice thick envelope with that nice hard unbendable section....Jeeze that was bad. I love setting up online pay! I love the Thank you point network! I'll spend 50 bucks at Wal-mart on my card even though I have the cash in my wallet....Just so I can send in a payment? I want a wallet chock full o' cards to make me feel strong? and I'm a big guy with a rough and tumble job as I manage a large outbound callcenter and have the misfortune of having to mistreat my drugged up unsavory outbound telemarketing crew?......But I feel addicted, I love the joy of an approval! I really like the envelope and will open it very slowly like Charlie opening his candy bar in the Wonka book. I'll read over every little detail and find dumb excuses to call the customer service number? Waiting on the Ciscover card is really exciting and for some wierd reason I hope it takes a long time so I can rush home every day to open my mailbox and feel around for my "Golden Ticket".... In the past 2 months I have gotten: Citi-simplicity $2600 limit. Nice card 0% on everything til next year. Citi-Premier pass $6000 base limit but can go over so long as I pay the overage the next month...they call that no preset limit? BOA platinum $4600 limit 0% BT's....Waiting for it in the mail and was approved instantly online.(Comes with some little mini-card that sposed to go on your keychain?) I lose my keys everyday...I cannot imagine losing my keys and a credit card daily.... Providian Pay-Pal Visa $1000 limit???? still cannot wait to get it in the derned mailbox and open er' up slow and easy! Waiting on the discover folks. And loving it. so much in fact that I have called them every day for the past 4 days. Am I ill? Are there others like me? I pay my stuff off really fast, have a nice wife a cool new toyota 4x4 and a decent paying job. But I sure do get a rush, or better yet a high from applying for these cards and awaiting the results!....Sorry to ramble. Chuck. WHAT IS THIS CASH STUFF????? Does that stuff have any rewards?????? Do you have loss protection??????
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Guest: stevejk Posted: Fri Feb 24, 2006 10:35 am Chazmanian, you and mouse may have credit card addiction. I probably have a touch of credit card addiction as well. I keep my eye out for better CC offers -- better rewards, preferably cash back. I probably have more CC than I should have, but I don't carry them all with me. I think I have only three on me now -- my primary card, a backup card if the fraud prevention algorithm of the former denies a transaction, and a card with better rewards at restaurants. I only carry enough cash for small transactions. I do get a special tingle when I see the statement arrive in the mail. Hot dog! I say, have an opportunity to reconcile my statement with Quicken. Requesting too many CC in a period of time can lower your FICO score and put you at risk of being denied credit or a loan, or having your insurance premiums skyrocket (if your state allows insurance companies use FICO scores to set premiums). Then again, I do try to resist buying things for the sake of charging them. I endeavor to treat CC as if they were cash. For me, the CC is just a way to buy things I need w/o needing to carry a wad of greenbacks with me. As mouse would point out, CC has features that cash doesn't, but those are just a bonus for me.
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Guest: shooter Credit Expert (100+ Posts) Posted: Fri Feb 24, 2006 5:22 pm I found this quite funny. My wife and I decided a few months ago that I am a credit card addict. I thought I was alone in the world until I found this board last October. I proudly announced to her that night that I am not alone in the world. She thought that was hilarious and always laughs when i tell her I'm checking in with my "friends." I get the same rush from approvals and from the envelope in the mail. I would apply for a lot more but I really don't need them and I don't want too many inquiries a year. A couple of months ago I got an offer for the Citi Diamond Preferred card and it was such a great offer I applied that night even though I had absolutely no need for it (I had to promise not to apply for any more cards for a year since it was my second card in four months). I used it a couple of times to get my 10,000 bonus points and now it sits in my wallet simply because it looks so dang cool. I am doing a BT with my Dividend card right now and I have the money in savings. When the year at 0% is up on that I'll pay it off, reallocate most of the limit to my Diamond card (which had a horrible initial limit) and do another BT for another year at 0%. I love it. I admit I'm wierd but I'm making money and it is fun so I don't really care.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Feb 24, 2006 5:53 pm stevejk wrote: Chazmanian, you and mouse may have credit card addiction. I probably have a touch of credit card addiction as well. I keep my eye out for better CC offers -- better rewards, preferably cash back. I probably have more CC than I should have, but I don't carry them all with me. I think I have only three on me now -- my primary card, a backup card if the fraud prevention algorithm of the former denies a transaction, and a card with better rewards at restaurants. I only carry enough cash for small transactions. I do get a special tingle when I see the statement arrive in the mail. Hot dog! I say, have an opportunity to reconcile my statement with Quicken. Requesting too many CC in a period of time can lower your FICO score and put you at risk of being denied credit or a loan, or having your insurance premiums skyrocket (if your state allows insurance companies use FICO scores to set premiums). Then again, I do try to resist buying things for the sake of charging them. I endeavor to treat CC as if they were cash. For me, the CC is just a way to buy things I need w/o needing to carry a wad of greenbacks with me. As mouse would point out, CC has features that cash doesn't, but those are just a bonus for me. YOU HAVE FACTS TO PROVE YOUR POINT???
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Guest: Chazmanian Posted: Sun Feb 26, 2006 2:24 am I'm done . Turned down for a Discover card. Stupid addicted me! 720 point bureau and a denial due to way too many recent inquiries. I have never been turned down for anything in my life...never. I just do not know what I was thinking. I guess it was like rolling the bones in Vegas, it was hot for a little while. But all good things must come to an end. NO MORE INQUIRIES for me. And after reading Y'all's post's and knowing better I just could not control the urges. 5 hard inquiries in 30 days? I must be mentally ill to think that any of these card issuers would continue to overlook that type of madness. Greedy insolent me. Y'all have the best advice aroud! anyone can study the posts on this site and become an overnight guru! there is no stone left unturned here NONE! any new folks such as myself take heed to these wise men(and womens!) advice. I can say that I did not and now I suffer the blow of having a perfect report really damaged by "Mega Inquirys". And the inner pain and embarassment of the dreaded denial letter. Listen to the wise ones....listen. Done Chuck.
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Feb 26, 2006 3:04 am Chazmanian, sure--you're saying that now. But soon you'll go to your mailbox and see a 15-month 0% offer for which you're pre-approved. You'll put it aside, even throw it away--but then you'll be fishing through your trash for the code and Web site and will soon be clicking away feeling the rush through your veins once more. You're not going to stop until you hit bottom, fall into a ditch because of the weight of your wallet, find yourself buying things just to get the cash rebates. Then one day you will hear Dave Ramsey on the radio, cut up all your cards, and be saved. Until then, suffer through the profits and the twelve-page reports you download with your latest scores. May your rewards be many and your chargebacks few. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: Chazmanian Posted: Sun Feb 26, 2006 9:47 pm I have already fished in the past. Not just a top of the can skimmimg...But a full fledged Richard Pryor-like dig!(May he rest in peace) I will probably need to opt out of the prescreened stuff as they also generate those "Hard Pulls" after getting your app. Thanks for your tough love. I needed that!
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Guest: astounding Posted: Mon Feb 27, 2006 4:41 am I bet you the MAIN reason why you have a credit card addiction is because it fulfills a need for variety in your life. Yes it's a addiction. But just that you have it to new credit cards. Some people have it to new magazine subscriptions. Some to new movies (like my brother). Here's a site I had bookmarked a long time ago on credit card addictions, I'm sure you can find some useful info there: http://www.creditcardaddiction.com -Andre _________________ Here's a GREAT FREE resource with everything you'll EVER need to know about credit/debt management, credit cards, and applying for the BEST one: => http://www.Direct-Credit-Card.com/articles.php
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Guest: Board Monitor Board Monitor/ Administrator Posted: Mon Feb 27, 2006 9:08 am Interesting link astounding. Thanks for posting. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: credithelp Credit Expert (100+ Posts) Posted: Mon Feb 27, 2006 7:03 pm I'm kind of addicted to having the new and improved credit card that comes out. I don't have much of a problem with debt but just want the new card that comes out even if it doesnt really relate to what i need a card for(cash back,airline,etc)
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Credit Card with Best Balance Transfer Offer
Guest: ore83 Post subject: Credit Card with Best Balance Transfer OfferPosted: Fri Feb 03, 2006 12:29 am Hey every one, I've been lurking in the shadows for a while now but I had a couple questions and finally worked up the courage to post. I'll give you my info then the question... Credit scores: 683, 687, 692 3 credit cards, Lowe's, and 2 BofA's, limits $1k, $4k, $3.5K The only one with a balance is the $4k limit one that I had to do an emergency cash advance on ($1k), now the balance sits around $2.5k and I'm worried that the balance might be high considering the limit. I don't want to pay the cash advance rate so I was considering a BT on a new card. Problem is my friend did that and the card issuer only gave them a little more than the BT as the credit limit and made it look nearly tapped out... Any suggestions on good card issuers regarding BTs and credit lines? I'm 18 and don't want to screw anything up this early on so anything will help! Thanks
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Guest: beyond platinum Credit Expert (100+ Posts) Posted: Fri Feb 03, 2006 1:33 am I'm glad you used the word "emergency" to rationalize taking out a cash advance on your card because that is one of the worst mistakes to make. When you apply for a new credit card, one thing creditors are going to look at are your current credit limits and then decide how much to give you. You already have a utilization of 63% and I imagine that your payments are going to the lowest APR instead of the cash advance APR first (19-25%??) right? It is very uncertain how much of credit limit you will get if you apply for new credit card so you run the risk of increasing your utilization ratio but think about the money your going to save on interest charges if you transfer that amount to a 0% intro card. I would suggest Chase Visa or American Express Blue because they have long intro rates and easier approval. https://www201.americanexpress.com/cards/Applyfservlet?csi=38/9341/b/57/0334763299/033232134386/0/n http://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/card_acquisitions/unsolicited/page/PFSCreditCardDetails&sourcecode=4W65 _________________ "The most incomprehensible thing about the world is that it is comprehensible." --Einstein Last edited by beyond platinum on Mon Feb 06, 2006 11:56 am; edited 1 time in total
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Fri Feb 03, 2006 5:22 am I myself favor anything Citibank Not sure if you're in college or anything equally demanding of your time but don't forget to work your little heiney off and give every spare dime to the CC companies! They basically own you now but trust me it's so important to learn this lesson now as against later.
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Guest: ore83 Posted: Fri Feb 03, 2006 9:51 pm I applied for AMEX Blue, a recent address change I think might be throwing them off. They replied by email saying they needed home address verification. My change of addy hasn't hit my report just yet... I wonder if them replying with wanting to know that might be a good sign I got the card? Anyway, the office was closed for the weekend... Can't wait till Monday lol They were 3.99% on BT for the life of the balance, better than 0% for 6 months, or even a year if it happens to take me that long to pay it off... AND WAY better than the 20 something % I'm going to get dinged with on my cash advance with BofA. Thanks for the advice
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Guest: ore83 Posted: Mon Feb 06, 2006 11:55 pm I was approved for Blue, AMEX! I'm excited. The only problem was that I wanted to do a $2.5k BT and they only gave me a $2k line. The lady (who was very nice, I wonder if ALL amex people are?) said she'd do a BT of $2k and said when my card comes in and I call to activate it, go ahead and ask for a CLI as well, that way I can either get my other $500 on it or at least not have a 'maxed' out card. Either way their 3.99% for the life of the balance sure beats whatever my cash advance rate was on my other card. Thanks for the advice... PS: Curtis, I found the website while doing a search for credit cards, it was really neat to find a place where people as nutty as me about credit existed! Leo
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Guest: beyond platinum Credit Expert (100+ Posts) Posted: Tue Feb 07, 2006 4:16 am Congratulations Leo , try to get more than a $500 increase. Better to have a $3000 limit instead so that you are not at 100% utilization. Keep us informed as to the results. _________________ "The most incomprehensible thing about the world is that it is comprehensible." --Einstein
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue Feb 07, 2006 8:40 am Congrats Leo! Let us know how things turn out... _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: ore83 Posted: Tue Feb 07, 2006 8:06 pm While headed home today I decided to apply at a local credit union for their Visa, I hear they're pretty easy to get approved. I had to become a member ($5) and open a savings acct with a min of $25, but I was approved with a $2,000 limit, they told me my beacon score was 710, they seemed surprised... Heh, I was too because the credit monitoring place I go through all posted scores of high 600s...
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Feb 08, 2006 9:24 am You're on a roll Leo! _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: ore83 Posted: Fri Feb 24, 2006 1:15 am Does anybody have any info on One, from AMEX? I was just approved for it and wanted to know if anybody out there has any experiences to share? I couldn't find the card in the card review section....
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Guest: bullwinkle29 Posted: Tue Feb 28, 2006 1:26 am ore83 wrote: Does anybody have any info on One, from AMEX? I was just approved for it and wanted to know if anybody out there has any experiences to share? I couldn't find the card in the card review section.... amex blue is one of the best cards out there. customer serivice is A+++ they raise cl often. my wife's card was at $8600, paid her bill on-line, clicked the raise cl, then it asked for the 4 digit security #, bam, we can raise it 5k, accept or decline. my wife has her own amex account and so do i. we have a joint visa card w/our credit union w/a 30k limit. all her credit scores are in the mid-high 700's. mine are in high 600's low 700's. she's 25, i am 29. i had some previous collections, but all were paid back in 2002.
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Guest: ore83 Posted: Tue Feb 28, 2006 1:29 am Yeah my AMEX Blue was raised from 2k to 5k when i activated it, what I didn't like was the fact that they asked what limit I wanted... I hear a lot of people saying they offer amounts or tell you what you're 'eligible' for but I've always had to pick a number and hope it wasn't asking for too much. I think now that I'm online with AMEX after my statement I'll try doing an increase again... Did you pick an amount or did it offer an amount? Still awaiting my One from AMEX ....
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Guest: bullwinkle29 Posted: Tue Feb 28, 2006 1:32 am no, they picked the amount. i believe you can ask amex for a cl increase every 90 days
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Guest: ore83 Posted: Tue Feb 28, 2006 1:35 am The reps told me it was once a month... The neat part for me was the fact that you could get a CLI upon activation, totally neat, AMEX rocks for credit lines. They don't fool around unlike some stories i've heard from CrapOne... So online IT picks the amount? That's good to know
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Credit Card Transaction Time Limit
Guest: bigface Post subject: Credit Card Transaction Time LimitPosted: Mon Feb 27, 2006 9:14 pm Hi Is there a maximum time limit that a merchant has to process a card transaction in?.... or can they just wait and process/bill the customer anytime? (not sure why they would want to be slow processing it but, anyway..) Cheers
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Feb 27, 2006 10:38 pm bigface wrote: Hi Is there a maximum time limit that a merchant has to process a card transaction in?.... or can they just wait and process/bill the customer anytime? (not sure why they would want to be slow processing it but, anyway..) Cheers 30 DAYS (PER VISA)
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Guest: bigface Posted: Tue Feb 28, 2006 3:28 am I thought it would be something like that Ive just had something appear on my latest c/card bill for a transaction from May 2005 - 9 months ago!.... Id completely forgotten about this particular item untill now, and the amount thats now appeared isnt what I remember it as anyway. Cheers
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Providian Platinum Credit Card Offer
Guest: traveler505 Post subject: Providian Platinum Credit Card OfferPosted: Mon Feb 27, 2006 9:54 pm I just got a preapproved offer for a Providian Platinum card, with fine print saying "This account may not be available to you if you already have a credit account with us or have applied in the last 90 days." I already have a Paypal Visa through Providian with a $500 credit limit. It was opened last September, run up to its max, and then paid off. Current balance zero. So....the question is: How likely is Providian to actually give a second card? Is the language in their offer a strict policy, or just "we reserve the right to...." sort of boilerplate?
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Feb 27, 2006 10:45 pm traveler505 wrote: I just got a preapproved offer for a Providian Platinum card, with fine print saying "This account may not be available to you if you already have a credit account with us or have applied in the last 90 days." I already have a Paypal Visa through Providian with a $500 credit limit. It was opened last September, run up to its max, and then paid off. Current balance zero. So....the question is: How likely is Providian to actually give a second card? Is the language in their offer a strict policy, or just "we reserve the right to...." sort of boilerplate? I was not good enough to get 1 "PRE-APPROVED" $30,000 @ 0.00%
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue Feb 28, 2006 9:15 am traveler505, Greetings and welcome to the board! My suggestion would be to give them a call. It is pretty common to have more than one card from the same issuer, though. Good luck and let us know how things turn out... _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Cash Back Rewards Total for 2005
Guest: quiznut1 Post subject: Cash Back Rewards Total for 2005Posted: Sat Feb 25, 2006 1:45 pm Well, I have held cash back cards officially now for 1 year (February 2005-February 2006), and the year was a grand one indeed. My total cash back from my 3 credit cards totaled $554.56. Finance charges, Late Fees, Over the limit fees, Annual Fees, and other fees paid in this year: $0. Here is a breakdown: Citi Dividend Platinum Select Card: $384.56 (this includes $5 for signing up for paperless statements) Chase Cash Plus Rewards Card: $150 (I got $100 bonus for signing up) Discover Restaurant Card: $20 (although I am 13 cents away from redeeming another $20). So, $384.56 + $150.00 + $ 20.00 = $554.56 Not bad for a year's "work," huh?
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Guest: shooter Credit Expert (100+ Posts) Posted: Sat Feb 25, 2006 5:55 pm Isn't it great. This year was great for me as well. I had a cash back card in 2004 but it capped out at one percent. Then I discovered the Dividend and Cash plus cards. In 2004 I only made $109 and last year I made $410 with my new cards. I love it!
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Guest: diddlydudette Credit Expert (100+ Posts) Posted: Sat Feb 25, 2006 7:21 pm Congrats guys. Don't you just love this free money? I just received my first Chase Cash Plus card check. It was so nice to go out to mailbox and get a check for 150.00 and I didn't have to do anything for it but put things on my credit card and pay off each month. I made the 150.00 in less than 5 months. I used to hate using credit cards and never did for like 8 years but then realized that you need to use one every now and then to keep credit report up to snuff. So I choose to use a cash back card and I'm not only improving my pocketbook but credit score....love them.
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Guest: beyond platinum Credit Expert (100+ Posts) Posted: Sat Feb 25, 2006 9:23 pm Good thread quiznut! Last year I got: *15,000 bonus points for opening my premier pass card. (Redeemed for a $75 statement credit) *Free airline ticket for opening my Citi Diamond card. *Earned about $165 in Citi dividend dollars *Earned about $50 from US bank Total cost for me was $0 because I always pay in full and very rarely pay with cash. Simply priceless! _________________ "The most incomprehensible thing about the world is that it is comprehensible." --Einstein Last edited by beyond platinum on Mon Feb 27, 2006 10:52 pm; edited 1 time in total
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Guest: stevejk Posted: Mon Feb 27, 2006 7:40 pm For 12 months ending February 2006, I received only $708.31 cash back. $353.60 from Citi Dividend $104.84 from Chase Freedom $175.00 from Chase Cash & Cash Plus Rewards cards $40.00 from Discover (Gas, then Restaurant, rewards) $34.87 from Pentagon Federal and an iPod Shuffle for signing up for the Charles Schwab Visa and 5,000 bonus points for first use of the Chase Rewards Plus card. I always PIF on-time and no annual fee.
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Guest: newyearsday1985 Posted: Tue Feb 28, 2006 5:37 am Interesting... I recorded the cash back/rewards I redeemed in 2005: AMEX BLUE: 5000 points for a $50 gap gift card Chase Cash Plus: $50 Citi AT&T Universal: $141.40 Citi Dividend: $244.95 Household Bank Gold: $350 Providian Ebay: 435 points for $4.35 ebay anything points Gap Card: $20 for store merchandise ----------------------------------------------------------------- TOTAL CASH BACK+REWARDS REDEEMDED: $860.70 ----------------------------------------------------------------- Earned 6186 points on Citi MTVU last yr but haven't redeemed any. At the end of 2005, 2400 more points for my next $50 check from Chase. Most interesting is over 85% of what is charged on my credit cards above aren't my purchases. _________________ I hate it when I buy something and find out that the price is going for less soon afterwards
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Feb 28, 2006 12:16 pm Quote: Most interesting is over 85% of what is charged on my credit cards above aren't my purchases. Most interesting indeed! Care to share what you're doing? _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: Alexis Rios Credit Expert (100+ Posts) Posted: Tue Feb 28, 2006 1:35 pm I made last year : 187.06 ( Dividend Platinum Select) + 20.00 ( Discover Gold) = $207.06 for 2005
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Guest: newyearsday1985 Posted: Tue Feb 28, 2006 7:58 pm Polonius wrote: Quote: Most interesting is over 85% of what is charged on my credit cards above aren't my purchases. Most interesting indeed! Care to share what you're doing? My mother has 2 nephews that are international students. They attended a community college and homestayed at our house in 2005. Each boy's tuition fee is around $3,500/semester. So counting the whole yr, the total is $10,500 (as one of the boys transferred in mid-2005)... most of that amount got charged on my credit card. These boys cell phone bills totaled over $1500 last yr. Their plane tickets were about $4000. All that a few other things got charged on my credit cards. My mother also buys stuff for resale. She used to use her chase double double platinum when they gave her 2 points per dollar spent. But after chase reduced the rewards to 1point/$1 spent in July last yr, she started using my Household Bank Gold for 2% cash back on purchases. Family car insurance, cell phone bills, groceries and gas are things that add up quickly for my rewards. _________________ I hate it when I buy something and find out that the price is going for less soon afterwards
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Benefits of World MasterCard from Juniper
Guest: credithelp Credit Expert (100+ Posts) Post subject: Benefits of World MasterCard from JuniperPosted: Mon Feb 27, 2006 6:57 pm Approved for my first world mastercard, usairways from juniper. Is the main benefit of the world mastercard in general the no preset spending limit? Also is juniper a decent company to deal with? I know very little about them.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue Feb 28, 2006 9:24 am Congrats! There are other benefits. Visit MasterCard.com for a list. You can read Juniper reviews in our Consumer Reviews section: http://www.cardratings.com/cardreviewfr.html _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: credithelp Credit Expert (100+ Posts) Posted: Tue Feb 28, 2006 11:51 am Thanks, after reading the reviews it seems that some people love them while others hate them. Hopefully they will treat me right. I may carry a balance during the 6 month intro period but after that its paid in full all the way with them.
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Guest: ajulius Posted: Tue Feb 28, 2006 9:20 pm credithelp wrote: Thanks, after reading the reviews it seems that some people love them while others hate them. Hopefully they will treat me right. I may carry a balance during the 6 month intro period but after that its paid in full all the way with them. The WorldCard is an excellent card with full benefits just like Visa Signature. These are the cards which have the highest level of benefits one can get for MasterCard.
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Low Rate Balance Transfer Credit Card Offer Wanted
Guest: ajulius Post subject: Low Rate Balance Transfer Credit Card OfferPosted: Tue Feb 28, 2006 9:15 pm Hi, I stopped using a CC I had. I looked at my credit report recently and noticed they actually looked at my credit report recently. Think they will get hungry enough for my business to give me some low rate balance transfer or something? Its hard to tell how CC companies work. On that card I have a 0 outstanding balance.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Feb 28, 2006 9:37 pm ajulius wrote: Hi, I stopped using a CC I had. I looked at my credit report recently and noticed they actually looked at my credit report recently. Think they will get hungry enough for my business to give me some low rate balance transfer or something? Its hard to tell how CC companies work. On that card I have a 0 outstanding balance. Most banks "LOOK" every month "IF" they get hungry they may send an offer for a low rate BT
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Guest: astounding Posted: Tue Feb 28, 2006 10:05 pm When you stop using a CC from a particular company, you then automatically enter their "follow-up" campaign which will last for at least 2-3 years. Meaning: Get ready to receive "special offers" for CC from them. -A
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Guest: ajulius Posted: Tue Feb 28, 2006 10:43 pm mouse wrote: ajulius wrote: Hi, I stopped using a CC I had. I looked at my credit report recently and noticed they actually looked at my credit report recently. Think they will get hungry enough for my business to give me some low rate balance transfer or something? Its hard to tell how CC companies work. On that card I have a 0 outstanding balance. Most banks "LOOK" every month "IF" they get hungry they may send an offer for a low rate BT On my credit bureaus, the companies did not look once a month, they looked every so often, just happened they looked at the card I stopped using just recently. It was on the 23rd, but I havent received any offers or anything just yet. Maybe another month and I will. Will see soon enough.
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American Express Red Card
Guest: Tek Post Subject: American Express Red CardPosted: Fri Jan 27, 2006 7:12 am Anybody else hear about the new American Express Red Card? It puts 1% of your spending towards the global fund to fight aids. From what I have seen it looks like the normal American Express Charge card, but red.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Fri Jan 27, 2006 10:51 am Cool! Bono rocks! _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: QikPass Credit Expert (100+ Posts) Posted: Fri Jan 27, 2006 2:33 pm American Express (United kingdom)"has teamed with U2's Bono and Bobby Shriver, Chairman of DATA (Debt, AIDS, Trade, Africa), to produce money to help fight AIDS in Africa. The new "American Express RED3" card will be available March 1st. Seems like its only international _________________ Fortune Favors The Bold...
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Guest: Tek Posted: Fri Jan 27, 2006 9:33 pm I read it in USAToday as well today. They called it such a "RED CARD". It looks cool none the less!
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Guest: girlie Posted: Tue Jan 31, 2006 2:38 pm I almost want to apply just because its so cool looking Wanting the cute card is probably a bad reason to apply for a line of credit huh?
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Guest: hesiden Credit Expert (100+ Posts) Posted: Tue Jan 31, 2006 4:27 pm I'm going, like, ewww!
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Feb 01, 2006 8:38 am girlie wrote: I almost want to apply just because its so cool looking Wanting the cute card is probably a bad reason to apply for a line of credit huh? There are definitely better reasons. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Citi Diamond Preferred Rewards Credit Card
Guest: JoyJoy Post Subject: Citi Diamond Preferred Rewards Credit CardPosted: Mon Feb 27, 2006 6:38 pm I need some information regarding this reward card. Now this card offers "0% APR on balance transfers until 3/1/2007 as long as your first balance transfer posts to your account within 3 months of becoming a cardmember. Plus, you'll receive 3 bonus months at your 0% APR until 6/01/07 if your first balance transfer and $100.00 in purchases post to your account and are not returned within 3 months of becoming a cardmember." ($100.00 gift card with 10,000 bonus thank-you points after your first purchase). Suze Orman supposedly said on her show that if one balance transfers on a card NOT to also use it for purchases also until you pay off the balance transfer in full. Would this be an incidence where that would not apply? I am being asked this and I haven't the faintest idea what the answer is but said I could get an answer from this board. Thank you in advance! _________________ J~J
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Guest: tonygoldston Posted: Mon Feb 27, 2006 7:05 pm If you have 0% on purchases for the length of the Balance Transfer offer you are fine. Where the problem comes in is if you do a BT at 0% for 12 months and then a $100 purchase at 12% any payments you make would be credited to the lower 0% balance first. So you would be accruing interest on the purchase balance over the 12 months. Not a lot of money at $100 but it can get people in trouble. In your case, if you have to make a $100 purchase in the first 3 months make the purchase in the first month, pay it in full, and then do the BT with $0 balance on the account. And then you don't have to worry about the interest. tony
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Guest: JoyJoy Posted: Mon Feb 27, 2006 7:40 pm [quote="tonygoldston"]If you have 0% on purchases for the length of the Balance Transfer offer you are fine. Where the problem comes in is if you do a BT at 0% for 12 months and then a $100 purchase at 12% any payments you make would be credited to the lower 0% balance first. So you would be accruing interest on the purchase balance over the 12 months. Not a lot of money at $100 but it can get people in trouble. In your case, if you have to make a $100 purchase in the first 3 months make the purchase in the first month, pay it in full, and then do the BT with $0 balance on the account. And then you don't have to worry about the interest. tony[/quote] Thanks for your expedient reply. You're right on target as the 0% APR is only on BT and not on purchases and cash advances, until 3/01/07. Purchase will be made and PIF just like you advised and then BT. Again thanks for the education. It's easy to misread these offers and end up in trouble like you said. _________________ J~J
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue Feb 28, 2006 9:22 am J~J, Greetings! Just an FYI to let you know that http://www.CardRatings.com is offering a $25 bonus rebate on this card for a limited time: http://www.cardratings.com/cashbackcreditcards.html Good luck and let us know how things turn out... _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Feb 28, 2006 12:09 pm Curtis, Your generosity is exceeded only by your good looks! _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: JoyJoy Posted: Tue Feb 28, 2006 5:24 pm [quote="Board Monitor"]J~J, Greetings! Just an FYI to let you know that http://www.CardRatings.com is offering a $25 bonus rebate on this card for a limited time: http://www.cardratings.com/cashbackcreditcards.html Good luck and let us know how things turn out...[/quote] Thanks Mr. Arnold. This was a pre-approved offer so I don't know their approval rate. _________________ J~J
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Guest: Signature Posted: Tue Feb 28, 2006 8:48 pm Are there any circumstances where Citibank will extend the 5 points for supermarkets / drugstores / gas stations and 1 point for everything else past the first 12 months ? I would get the card if it was permanent.
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Mar 01, 2006 1:21 am Signature, why must the offer be permanent to interest you? Get the card, enjoy it while you can--there's no fee for it. When the offer expires, you can ask for it to be extended, throw it away, keep it for a better offer...and apply for other similar cards. All terms on these cards can change at any time. And there will always be special offers of one kind or another. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: rainyday Posted: Wed Mar 01, 2006 7:51 am Signature, Get the card and enjoy for a year then.... call Citi and ask fo them to convert this card to Citi Dividend Platinum Select Card. The Dividend card has simular rewards except you get cash back not points. _________________ Experience is a hard teacher because she gives the test first, the lesson afterward.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Mar 01, 2006 9:09 am Signature wrote: Are there any circumstances where Citibank will extend the 5 points for supermarkets / drugstores / gas stations and 1 point for everything else past the first 12 months ? I would get the card if it was permanent. The same card advertised on our site does go beyond 12 months. In fact, I have never heard of this card offering the reward point structure you desribe for only a year. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Best Credit Card Offer for Students
Guest: DavidPalmer Post subject: Best Credit Card Offer for StudentsPosted: Mon Feb 13, 2006 9:09 pm I was wondering if it is wise to apply for another student CC, after I already have one with Bank of America, and the fact that I will be graduating in May. Should I wait until May, when I have a real job, and then apply for a CC that is not marketed towards college students. If getting another student CC is alright, which ones should I look at
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Guest: maverick Posted: Tue Feb 14, 2006 8:53 am David, In my experience, student cards are only different in two ways: they might have a lower credit limit and they might have a higher APR than the regular card. If you have a short credit history and you think your score is not very high, you might want to consider getting a credit card now, since getting a student one is generally easier (lower criteria required for approval) than getting one of the regular ones. Once the initial offer period on the new card is over, you could also think about consolidating (if it is from the same bank). But if you have a somewhat long credit history, and you think your scores are good, waiting to get a 'real' job would be advisable, so that you could state a higher income than you have now. Some good student credit cards might be: Citi Dividend, AmEx Blue, AmEx Green (if you care for paying an annual fee), Bank of America, Chase (the student versions of all the above cards). Hope this helps.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue Feb 14, 2006 9:40 am David, Greetings and thanks for the post! How long have you had the BofA card? Do you have any idea what your credit score is? You can comparison shop for student cards here: http://www.cardratings.com/studentcreditcards.html _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: quiznut1 Posted: Tue Feb 14, 2006 10:06 am I have the Citi Dividend Platinum Select credit card for college students. It has the same rebate structure as the one they target to adults. 5% cash back on gas stations, grocery stores, and drug stores, and 1% cash back on everything else. Limit $300 yearly rebate limit per calendar year. I had no problem getting approved, even though I only had a 6 month credit history. They gave me a 6 month 0% APR on purchases and balance transfers, but if you pay your bills in full and on time, I think this is the best student credit card available right now.
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Guest: DavidPalmer Posted: Tue Feb 14, 2006 2:03 pm Quote: Greetings and thanks for the post! How long have you had the BofA card? Do you have any idea what your credit score is Ive had the BofA card for 6 months, don't know what my credit score is but I would assume very good, but I will check to make sure. I don't know if paying for car insurance or a cellphone bill counts towards credit, if not I have a very short credit history. Quote: I have the Citi Dividend Platinum Select credit card for college students. It has the same rebate structure as the one they target to adults. 5% cash back on gas stations, grocery stores, and drug stores, and 1% cash back on everything else. Limit $300 yearly rebate limit per calendar year. I had no problem getting approved, even though I only had a 6 month credit history. They gave me a 6 month 0% APR on purchases and balance transfers, but if you pay your bills in full and on time, I think this is the best student credit card available right now . Thanks, I might look into that card.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Feb 15, 2006 8:56 am David, If you've only had 6 months of credit history, you will probably have a hard time getting a decent non-student card. So, I would definitely consider getting another student card before you graduate...if you find one you're interested in. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: XeroK00L Posted: Wed Feb 15, 2006 3:10 pm While it's true that most student cards suffer from worse APRs and less credit limits than their non-student counterparts, there is ONE card you should definitely try to get before you graduate--the Citi mtvU card, simply because not only does it offer great and unique rewards but there is NO non-student counterpart for this card. Short credit history is not a problem in getting this card as Citibank seems to deny people only if they have any bad records in their credit history, which seems to be not the case for you. Just give it a try already. Last edited by XeroK00L on Wed Feb 15, 2006 4:17 pm; edited 1 time in total
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Guest: DavidPalmer Posted: Wed Feb 15, 2006 4:11 pm Thanks Xero, I will look into it tonight, and see whats it is all about. I hope you are not a representative of Citi, because you sound like a salesman.
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Guest: CreditFanatic Posted: Wed Feb 15, 2006 4:25 pm David, I've had my Bank of America Platinum Student Visa (formerly known as Fleet Fusion before BoA took over Fleet) since June of 2004. Just this morning, I called to have my student card converted to a Platinum Power Rewards. At the same time, had my credit limit raised from a measely $500 to a more usable $3000 (all this without a hard pull on my credit report!). So, what I'm trying to say is that student cards aren't so bad. Even with a high APR and low limit, you can use that to your advantage by paying off every month for a year or so. When you're ready, convert it to a regular card like mine and everything's fine.
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Guest: DavidPalmer Posted: Wed Feb 15, 2006 5:19 pm Quote: I've had my Bank of America Platinum Student Visa (formerly known as Fleet Fusion before BoA took over Fleet) since June of 2004. Just this morning, I called to have my student card converted to a Platinum Power Rewards. At the same time, had my credit limit raised from a measely $500 to a more usable $3000 (all this without a hard pull on my credit report!). why did you have such a low CL?I have had the same card since Sept. and I started off with a $900, which I think is really good when I hear friends of mine start off at like $300. I always thought BofA gave an automatic CL increase after the first 9 months. Does anyone else know anything about the Citi MTVu card?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: steve Posted: Tue Feb 28, 2006 4:13 pm hi, this is my first post so i'm sorry if this is the wrong place to put it.: I was wondering if there was a student credit card that will definately approve you even if you have zero credit history. I don't even have a report yet, and I wanted to know the easiest card to get. Thanks, steve
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: CreditFanatic Posted: Tue Feb 28, 2006 6:13 pm I don't want to say too much, because there's really no such thing as a guarantee. However, my one of my sister who is in college now, just applied for a First Premier Bank credit card (www.firstpremier.com). Seems to me that a lot of people I know have those. So, it seems like an easy card to get. Not sure about how good the terms are though. From what I know, for my sister's card, it's 250 to start with 0%APR. However, if you have more limit and use more than 250 credit, then the apr kicks in. Make sure you check the site so you know that it is right for you. Different cards suit different people.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: steve Posted: Tue Feb 28, 2006 7:36 pm thanks for the reply im going to look at the site right now. Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Mar 01, 2006 9:18 am Quote: just applied for a First Premier Bank credit card (www.firstpremier.com). Would personally avoid that card like the plague. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Best Credit Card with Cash Back Rewards
Guest: usmsci Credit Expert (100+ Posts) Post subject: Best Credit Card with Cash Back RewardsPosted: Tue Feb 28, 2006 5:13 pm hi all. i wouldnt say i am a 'frequent flyer' on this board but i have gotten a lot from it and id like to think that i have contributed to some posts on here. i also have gained a few poster friends such as mouse, polonius etc |
