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Should I close my credit card account?
Guest: Alexis Rios Credit Expert (100+ Posts) Post subject: Should I close my credit card account?Posted: Thu Feb 23, 2006 1:05 pm Last month i requested a credit line increase to my Amex Platinum credit card (an annual fee cc available in PR) , and the representative said that may take a hard inquiry and i said no thanks , but apparently the process kept active and i received today a letter saying that for the CLI , i have to show evidence of my income. Since i'm no interest to receive a credit limit increase . What can i do? - Call them back to cancel the process? - No answering the letter and passing the time. - Since it has an annual fee ($45) , its preferible to close the account? Thank you. BTW , since i'm living in PR , i don't qualify for US Amex credit cards.
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Feb 23, 2006 1:33 pm If you ignore the letter, your request will be cancelled automatically. Or you can just call and cancel it directly. Doesn't matter. As you know, I often recommend not closing any account UNLESS there's a fee for the account. If you don't feel the card is worth $45 to you, call AmEx and say just that--and ask to speak with the retention department. Often it will try to make some deal to keep the account open--waive the fee, lower the rate, give you a CLI, offer you a good BT deal. Doesn't hurt to ask for one or more o these when speaking to retention! (Or, sometmes, the CSR will just close your account.) Let us know how it goes! _________________ 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: Thu Feb 23, 2006 4:28 pm Polonius wrote: If you ignore the letter, your request will be cancelled automatically. Or you can just call and cancel it directly. Doesn't matter. As you know, I often recommend not closing any account UNLESS there's a fee for the account. If you don't feel the card is worth $45 to you, call AmEx and say just that--and ask to speak with the retention department. Often it will try to make some deal to keep the account open--waive the fee, lower the rate, give you a CLI, offer you a good BT deal. Doesn't hurt to ask for one or more o these when speaking to retention! (Or, sometmes, the CSR will just close your account.) Let us know how it goes! I'm considering to close the account. It's one of my lowest credit limit credit card (5K) , however i still like the service.
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Guest: beyond platinum Credit Expert (100+ Posts) Posted: Fri Feb 24, 2006 1:31 am Alexis, did you cancel your Harley Davidson card yet or did U.S. Bank talk you out of it? _________________ "The most incomprehensible thing about the world is that it is comprehensible." --Einstein
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Guest: Alexis Rios Credit Expert (100+ Posts) Posted: Fri Feb 24, 2006 9:35 am beyond platinum wrote: Alexis, did you cancel your Harley Davidson card yet or did U.S. Bank talk you out of it? I talked with a representative from US Bank and i decide to reopen the account. Regarding Amex , i found that PR(along with USVI) customers are treated as foreigners instead of part of the USA.
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Guest: creditbuilder Posted: Fri Feb 24, 2006 5:15 pm May I ask what limit you requested? I have been trying to get my AE limit up, but I don't want to go to high and get a financial review.
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Guest: Alexis Rios Credit Expert (100+ Posts) Posted: Fri Feb 24, 2006 6:12 pm creditbuilder wrote: May I ask what limit you requested? I have been trying to get my AE limit up, but I don't want to go to high and get a financial review. I asked a CLI of $2.5k and my current credit limit is $5k. If approved it would be increasing to $7.5k
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Guest: creditbuilder Posted: Fri Feb 24, 2006 6:22 pm Wow, they are getting stingy. Maybe I shouldn't request anymore increases.
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Guest: Alexis Rios Credit Expert (100+ Posts) Posted: Sun Feb 26, 2006 11:36 am creditbuilder wrote: Wow, they are getting stingy. Maybe I shouldn't request anymore increases. Perhaps is the Amex policy. Puerto Rico belongs to Amex Latinamerica instead of Amex USA.
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$100 Rebate Offer from CitiBank Simplicity Credit Card
Guest: JaneiR36 Credit Expert (100+ Posts) Post subject: $100 Rebate Offer from CitiBank Simplicity Credit Card Posted: Wed Mar 01, 2006 5:08 pm There's always good deals on Fatwallet.com but this was just to good to not share! http://www.fatwallet.com/t/52/573247/ Opening a Citibank checking acct gets you $100 Linking it to a Citibank credit card and paying the CC bill from there gets you another $100 Applying for Citibank's Simplicity card gets you $100 w/special code (so you can apply for this first and then link it to your new checking acct). See linked topic for details! PS: The biggest turn off I imagine would be a 90 & 120 day delay before you can get the money. But that's not so long, IMO!
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Citi Diamond Rewards Credit Card with 0% Balance Transfer Offer (cont'd.)
Guest: shooter Post subject: Citi Diamond Rewards Credit Card with 0% Balance Transfer OfferCredit Expert (100+ Posts) Posted: Wed Mar 01, 2006 6:42 pm I think it is a new thing. The Diamond card I just got has the one year limit but I found an old offer for the same card that I received about a year and a half ago and it had the 5 points all the time.
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Mar 02, 2006 2:16 am The Citicard Platinum Select card has a $300.00 yearly - not one year - limit on rebates. If you reach $300.00 in rebates in any one calendar year you'll earn nothing further until the next year when you have another $300.00 to play with. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: Board Monitor Board Monitor/ Administrator Posted: Thu Mar 02, 2006 8:48 am Quote: Curtis, Your generosity is exceeded only by your good looks! Here to humbly serve you Ira. You're da man! _________________ 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 Rewards Credit Card with 0% Balance Transfer Offer (cont'd.)
Guest: JoyJoy Post subject: Citi Diamond Rewards Credit Card with 0% Balance Transfer OfferPosted: 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.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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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Citi Diamond Rewards Credit Card with 0% Balance Transfer Offer
Guest: JoyJoy Post subject: Citi Diamond Rewards Credit Card with 0% Balance Transfer OfferPosted: 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!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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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Higher Credit Card Limits Create Problems for Some
Guest: Xstation Post subject: Higher Credit Card Limits Create Problems for Some Posted: Wed Mar 01, 2006 12:54 pm http://moneycentral.msn.com/content/Banking/creditcardsmarts/P120478.asp
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Mar 01, 2006 6:09 pm Is what true, exactly? It's a long article. Much of it makes sense to me. Some does not. For example, Quote: Think twice before taking offers Anyone carrying a lot of credit card debt should probably rebuff offers for credit line increases. Why agree to a bigger credit line when your current card debt is already draining your bank account? Your top priority should be paying down your current debt. The assumption is that if you have a bigger credit line, you'll use it and owe more money. But you can use a larger line to make money, not spend money. You can use it to increase your credit scores, and thus lower your interest rates if you are forced to carry a balance. There's no need to think that a bigger line means more uncontrolled spending. It could happen that way, but assuming that everyone is going to misuse credit is silly, insulting, and fairly dumb. With that logic, you should pay off all your cards, close all your accounts, and never use credit again. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Mar 02, 2006 2:18 am See the following article: http://moneycentral.msn.com/content/Banking/creditcardsmarts/P74808.asp?Rating=10&PageID=74808#Rating _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Mar 02, 2006 8:10 am Xstation wrote: http://moneycentral.msn.com/content/Banking/creditcardsmarts/P120478.asp How that huge credit limit can hurt you HURT ME BABY...HURT ME HARD
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Mar 02, 2006 8:13 am THE POSITIVE OUT WEIGHS THE NEGATIVE!!! $100,000 CREDIT LIMIT SPEND UP TO $10,000 AND NEVER GET 10% $10,000 CREDIT LIMIT SPEND UP TO $1,000 AND NEVER GET 10%
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Guest: rapjunkie Posted: Thu Mar 02, 2006 3:36 pm Polonious said it well... Quote: There's no need to think that a bigger line means more uncontrolled spending. Clearly, people who don't have the discipline to keep their spending in check face greater risks when they have larger credit lines. Those MSN articles seem to state the obvious sometimes, but I suppose that's good since it may not be obvious to a lot of folks.
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Credit Card Penalty Rates
Guest: Board Monitor Board Monitor/ Administrator Post subject; Credit Card Penalty RatesPosted: Wed Mar 01, 2006 3:42 pm This message posted by e-mail request from one of the visitors to our site: My credit card company just informed that I was subject to new higher "penalty rates" because it was determined that they needed to increase revenue on my account! This is due to the fact that I always pay my balance on time and in full. So let's see... I'm penalized if I pay late and now I'm penalized for paying on time!! What rip! _________________ 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: JaneiR36 Credit Expert (100+ Posts) Posted: Wed Mar 01, 2006 4:12 pm That does seem silly! So they know you're a responsible customer who doesn't make them any money, but still they're happy to raise your rates patiently waiting for that one slip-up! Keep an eye on those and if you do get into trouble in the future, be sure to use one with lower rates or one of your promotional cards. Good luck! (as if you need it... haha ).
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Mar 02, 2006 2:21 am What you're saying makes absolutely no sense and you may be misinterpreting it. Can you give us the exact wording that you received from your bank. That's the only way we can properly assess the situation. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Mar 02, 2006 8:02 am Board Monitor wrote: This message posted by e-mail request from one of the visitors to our site: My credit card company just informed that I was subject to new higher "penalty rates" because it was determined that they needed to increase revenue on my account! This is due to the fact that I always pay my balance on time and in full. So let's see... I'm penalized if I pay late and now I'm penalized for paying on time!! What rip! PAY IN FULL and don't use the card for a while They probably saw something on your credit report they didn't like Just use it every 6 months for like one tank of gas and PIF and don't use it again for 6 months Or just call them on the phone and GET THE FULL STORY I had one card "JACK" my rate (FOR EXTRA "REVENUE") and I got them to back tract to 1% under what it was
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Guest: bullwinkle29 Posted: Thu Mar 02, 2006 4:02 pm is this a POS CAPITAL ONE CARD??
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Multiple Credit Cards from the Same Issuer
Gues: traveler505 Post subject: Multiple Credit Cards from the Same IssuerPosted: 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!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: traveler505 Posted: Fri Mar 03, 2006 2:58 am Thanks. I applied online; results are supposed to arrive in a week or two. I'm guessing that Providian already knew that I had an account with them, since the pre-filled application page had my post office box address (which is my billing address for the Providian card), and didn't ask for a physical address (whic they would be required to do if I wasn't already a customer). I could be wrong, of course. For other points of reference, Capital One loves to issue multiple cards (I have 4, plus a business card), while Orchard Bank/HSBC's web site says a customer can have only one card. I'll keep you updated.
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 Cards for Students (cont'd.)
Guest: Board Monitor Board Monitor/ Administrator Post subject: Best Credit Cards for Students (cont'd.)Posted: Thu Mar 02, 2006 8:58 am Student cards will approve students without a credit history. This is their main selling point. 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: rainyday Posted: Thu Mar 02, 2006 11:34 am My daughter (19) got a secured Credit Union Mastercard $500 limit had it for little less than a year. She then applied for the Citi Platinum Select card (not the student card) and got it with a 2000 CL. She bought a expensive stereo system with 0% on purchases for a year deal, used only half of her available CL and is paying $10 more a month on her account than Citi asks for. By doing this she showing self control by not using her entire CL and it show she's paying more than the minimum monthly payment. This looks good on her credit report and will help when applying for future credit. _________________ Experience is a hard teacher because she gives the test first, the lesson afterward.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: quiznut1 Posted: Thu Mar 02, 2006 11:55 am quiznut1 wrote: 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. Once again, I will rehash my point. I don't think you'll have any problem getting approved by Citi, as they really want to get their student cards into student's hands. I think the only requirement for this card is that you're a student, and the cash back rebate structure is the same on this card as the adult card. (5%, 1%). If you're going to pay your bills off in full and on time, I think this is the best card you can get. Remember, it's good to have the attitude that says, "Hey, do you want to have my loyalty? Then feel free to give me something back." It's a good thing.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor Board Monitor/ Administrator Posted: Fri Mar 03, 2006 9:31 am Quote: My daughter (19) got a secured Credit Union Mastercard $500 limit had it for little less than a year. She then applied for the Citi Platinum Select card (not the student card) and got it with a 2000 CL. She bought a expensive stereo system with 0% on purchases for a year deal, used only half of her available CL and is paying $10 more a month on her account than Citi asks for. By doing this she showing self control by not using her entire CL and it show she's paying more than the minimum monthly payment. This looks good on her credit report and will help when applying for future credit. Awesome! Does your daughter also save money for a rainyday!?! _________________ 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!
Guest: rainyday Posted: Fri Mar 03, 2006 9:39 am Yep...she a chip off the old block! _________________ Experience is a hard teacher because she gives the test first, the lesson afterward.
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Best Credit Cards for Students (cont'd.)
Guest: steve Post subject: Best Credit Cards for StudentsPosted: 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
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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 (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.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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!
Guest: steve Posted: Wed Mar 01, 2006 3:39 pm I looked at the terms and conditions of that card and there is no way that i am paying that kind of anually fee, application fee etc. Is there any free cards that will approve me?
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 Cards for Students (cont'd.)`
Guest: Board Monitor Board Monitor/ Administrator Post subject: Best Credit Cards for StudentsPosted: 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!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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?
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Best Credit Cards for Students
Guest:DavidPalmer Post subject: Best Credit Cards 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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Online Credit Card Payments Lower Credit Card Interest
Guest: Board Monitor Board Monitor/ Administrator Post subject: Online Credit Card Payments Lower Credit Card Interest Posted: Mon Mar 06, 2006 7:42 pm This message posted by e-mail request from one of the visitors to our site: Having pulled myself out of a credit hole I amassed in the late 90's, I thoroughly enjoyed reading your site. There is one large omission, however, that I believe bears covering. Several articles talk about late fees, changing due dates, etc. but none have mentioned that most credit card issuers allow you to pay directly through their web site, often crediting the payment the same business day. Every payday, my budgeted credit card payment gets sent electronically. By making weekly payments, I ensure that I never miss a due date while lowering my average daily balance. Keep up the good work on the site... _________________ 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: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 06, 2006 8:20 pm Board Monitor wrote: This message posted by e-mail request from one of the visitors to our site: Having pulled myself out of a credit hole I amassed in the late 90's, I thoroughly enjoyed reading your site. There is one large omission, however, that I believe bears covering. Several articles talk about late fees, changing due dates, etc. but none have mentioned that most credit card issuers allow you to pay directly through their web site, often crediting the payment the same business day. Every payday, my budgeted credit card payment gets sent electronically. By making weekly payments, I ensure that I never miss a due date while lowering my average daily balance. Keep up the good work on the site... All mine allow ON-LINE payments (most post in 24-48 hours) I can even PRE-SCHEDULE them days or weeks or months in advance Only one that won't let me do that is PENFED VISA CREDIT UNION
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 06, 2006 8:34 pm This topic has been dicussed ad nausium on this forum. Some people like to go to the web site of each and every creditor to schedule payments and some (me!) like to do one stop shopping and pay everything at the same time directly from their checking account. The cost is the same either way - nothing! Neither is there any difference in flexibility. Payments can be scheduled days, weeks, or months in advance either way. It's whatever suits your fancy. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: beyond platinum Credit Expert (100+ Posts) Posted: Mon Mar 06, 2006 9:40 pm Board Monitor wrote: This message posted by e-mail request from one of the visitors to our site: There is one large omission, however, that I believe bears covering. Several articles talk about late fees, changing due dates, etc. but none have mentioned that most credit card issuers allow you to pay directly through their web site, often crediting the payment the same business day. With reasonable assertion, I think that most board members already know they can pay online and make multiple payments within their billing cycles so the topic is mundane. Not every card issuer uses the 'average daily balance' method for computing interest. Some use the two-cycle average daily balance like Providian. Not only that, there are different grace periods as well. Also, there are a large percentage of consumers out there that don't carry a balance whereas others take advantage of 0% APR offers and don’t even concern themselves with the very things you mentioned. _________________ "The most incomprehensible thing about the world is that it is comprehensible." --Einstein
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 06, 2006 10:36 pm Ira wrote: This topic has been dicussed ad nausium on this forum. Some people like to go to the web site of each and every creditor to schedule payments and some (me!) like to do one stop shopping and pay everything at the same time directly from their checking account. The cost is the same either way - nothing! Neither is there any difference in flexibility. Payments can be scheduled days, weeks, or months in advance either way. It's whatever suits your fancy. I can check the balance and confirm charges and credits (ON MY CREDIT CARD WEB SITE) and make sure everything is ok with the account in one stop (AND SCHEDULE FUTURE PAYMENTS AT THE SAME TIME) I CAN'T SEE ANYTHING FROM MY CHECKING ACCOUNT
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Discover Credit Card TV Ads
Guest: Lotsachecks Post subject: Discover Credit Card TV Ads Posted: Mon Mar 06, 2006 6:59 pm Anbody else notice all the Discover ads lately on TV? Some even offering you 20 bucks for calling and signing up in the next 20 minutes. Are people leaving them in droves? They sent me a by mail solicitation about a month ago and then even called me on the phone about 2 weeks ago asking if I wanted to apply. Told the rep I had their offer and was thinking it over - told her I'd take them up on it right now for one of their 0% lifetime balance transfer offers. She said no, so I said no thanks! This weekend I finally get myself to the mini apporama I've been working towards and decide to cold app on their web site. Got the thanks for applying email and we'll back to you within 30 days. So guess what comes in the mail today? Yet another solicitation; this time with 0% till June 07 and credit line to 25k. Applying on the web only or throught this site gets you 0% to April 07. Guess I should have waited a couple of days Oh well, I'm determined to get this 0% BT for life one way or another... Lotsachecks - waist deep in debt and paddling hard towards the shore
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Guest: jlrdc909 Posted: Mon Mar 06, 2006 7:50 pm I love the Discover Card!, period! I think it offers great customer service (Still based in the USA). I dont think people are leaving so much, as ramping up their customer base is something they should have been doing for the past few years.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 06, 2006 8:13 pm Lotsachecks wrote: Anbody else notice all the Discover ads lately on TV? Some even offering you 20 bucks for calling and signing up in the next 20 minutes. Are people leaving them in droves? They sent me a by mail solicitation about a month ago and then even called me on the phone about 2 weeks ago asking if I wanted to apply. Told the rep I had their offer and was thinking it over - told her I'd take them up on it right now for one of their 0% lifetime balance transfer offers. She said no, so I said no thanks! This weekend I finally get myself to the mini apporama I've been working towards and decide to cold app on their web site. Got the thanks for applying email and we'll back to you within 30 days. So guess what comes in the mail today? Yet another solicitation; this time with 0% till June 07 and credit line to 25k. Applying on the web only or throught this site gets you 0% to April 07. Guess I should have waited a couple of days Oh well, I'm determined to get this 0% BT for life one way or another... Lotsachecks - waist deep in debt and paddling hard towards the shore My DISCOVER is at $0.00 and has been for months 7.90% BT (add a $50.00 fee) Sure I'll take that I can PIF my MBNA 1.00% BT with DISCOVER (PURCHASES) 0.25% at SAMS/WALMART (even if you spend $30,000) NEVER 1.00%
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Guest: ajulius Posted: Tue Mar 07, 2006 12:03 am Got offered 5.9% good till 5/2010 with up to $60 fee. My offerings as of late are horrendous across the board but discover came in with the best offer so far. Still worse than my 4.99% good till paid that I am on however. Lotsachecks wrote: Anbody else notice all the Discover ads lately on TV? Some even offering you 20 bucks for calling and signing up in the next 20 minutes. Are people leaving them in droves? They sent me a by mail solicitation about a month ago and then even called me on the phone about 2 weeks ago asking if I wanted to apply. Told the rep I had their offer and was thinking it over - told her I'd take them up on it right now for one of their 0% lifetime balance transfer offers. She said no, so I said no thanks! This weekend I finally get myself to the mini apporama I've been working towards and decide to cold app on their web site. Got the thanks for applying email and we'll back to you within 30 days. So guess what comes in the mail today? Yet another solicitation; this time with 0% till June 07 and credit line to 25k. Applying on the web only or throught this site gets you 0% to April 07. Guess I should have waited a couple of days Oh well, I'm determined to get this 0% BT for life one way or another... Lotsachecks - waist deep in debt and paddling hard towards the shore
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Offer from AmEx Busines Gold Rewards Credit Card
Guest: rain Credit Expert (100+ Posts) Post subject: Offer from AmEx Busines Gold Rewards Credit CardPosted: Tue Mar 07, 2006 2:03 am I got this in my email: ---------------------------------- Thinking about turning your big idea into a business? Or, do you already enjoy running a small business? The Business Gold Rewards Card can help give you the ability to buy what you need and earn rewards. With no pre-set spending limit,(1) you have the purchasing power to take advantage of a new opportunity or cover an emergency. And there are no finance charges because you pay your balance in full each month. You also get: • Automatic enrollment in the Membership Rewards® program(2) • Membership Rewards bonus points on top of earning one point for virtually every dollar spent — earn up to 100,000 points or more in a year(3) • Savings on everyday business expenses(4) • Fee-free your first year — a $125 savings(5) Apply now or call 1-800-276-1980 and mention RSVP code: EM14 Terms and Conditions Application must be received by 8/15/06. Bonus $100.00 applies to any purchase over $100.00 made between 3/1/06 and 10/31/06, and will appear in a statement credit on your Card account. The maximum credit available is $100.00 per account. Last edited by rain on Tue Mar 07, 2006 11:35 am; edited 1 time in total
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Guest:mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Mar 07, 2006 2:40 am rain wrote: I got this in my email: ------------------------ Thinking about turning your big idea into a business? Or, do you already enjoy running a small business? The Business Gold Rewards Card can help give you the ability to buy what you need and earn rewards. With no pre-set spending limit,(1) you have the purchasing power to take advantage of a new opportunity or cover an emergency. And there are no finance charges because you pay your balance in full each month. You also get: • Automatic enrollment in the Membership Rewards® program(2) • Membership Rewards bonus points on top of earning one point for virtually every dollar spent — earn up to 100,000 points or more in a year(3) • Savings on everyday business expenses(4) • Fee-free your first year — a $125 savings(5) Apply now or call 1-800-276-1980 and mention RSVP code: EM14 That's nice I guess
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Redeeming Chase Credit Card Reward Points Online
Guest: JaneiR36 Credit Expert (100+ Posts) Post subject: Redeeming Chase Credit Card Reward Points OnlinePosted: Sat Jan 21, 2006 9:08 am Can I do this? If so, where do I click to get to that point? And if not, how may I go about redeeming my points? I've tried clicking around and can't quite find anything.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Sat Jan 21, 2006 10:06 am https://www.choosemyrewards.com/ASP/CustomerLogin.asp I believe for most cards.
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Sat Jan 21, 2006 10:21 am Easiest thing I've done in a while. My $50 check is on its way. Thanks!!
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Tue Mar 07, 2006 6:17 am One more Q, for anyone who has multiple Chase rewards cards, did you hae to register each? Or did they appear automatically on your rewards acct? Also did all the points contribute towards a total you could then redeem? I got $50 worth of points from a new signup and I have over 2000 points on my first card but I can't see the points from the new one. Please let me know if anyone has experience with this. Else I'll take the time later today to call customer service, but I hope not to...lol.
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Guest: stevejk Posted: Tue Mar 07, 2006 11:25 am Yes, if you have multiple Chase cards you need to sign up each one separately, using a different username/password combination for each. Yes, it is an inconvenience.
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Tue Mar 07, 2006 2:30 pm Very convenient for Chase is what it is! Seeing as points from multiple accounts do not add together, you have to use 'em or lose 'em!
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Rebate for PremierPass Credit Card (cont'd.)
Guest: beyond platinum Post subject: Rebate for PremierPass Credit CardCredit Expert (100+ Posts) Posted: Mon Jan 30, 2006 2:19 pm Also remember the concierge service at 1-888-796-2484 and the special perks on the priceless program (MasterCard). I have yet to use either so I can't comment on the service. http://www.priceless.com/cards/cards.html _________________ "The most incomprehensible thing about the world is that it is comprehensible." --Einstein
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Tue Mar 07, 2006 6:15 am This turned out to be like $100 in my pocket because I usually have my student loan payment taken out of my bank account automatically. I instructed them on the check Citibank sent me to not advance my due date (and post the entire amt to my principal) but they chose to, anyway. Meaning they didn't have to take the money out of my bank account this month. Kinda like delayed gratification and I'm able to use the cash I didn't spend on student loan payments for whatever I want, if that makes sense.
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Guest: hesiden Credit Expert (100+ Posts) Posted: Tue Mar 07, 2006 10:13 am JaneIR36, just curious what's your interest rate on your student loans? HSBC's online savings account is at 4.8% APY.
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Tue Mar 07, 2006 10:30 am 2.625% My total loan amt is just under 20 grand. Jeorpadizing this rate for a lump sum I cannot pay back right away is not really in my scope right now Maybe if I get more savings, I'll consider it.
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Guest: hesiden Credit Expert (100+ Posts) Posted: Tue Mar 07, 2006 3:13 pm JaneiR36 wrote: 2.625% My total loan amt is just under 20 grand. Jeorpadizing this rate for a lump sum I cannot pay back right away is not really in my scope right now Maybe if I get more savings, I'll consider it. Given savings account rates are higher than your student loan you are better off NOT paying off the loan but saving the money. See the balance transfer thread.
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Tue Mar 07, 2006 4:05 pm Not interested. But thanks for the Math lesson.
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Rebate for CitiBank PremierPass Credit Card (cont'd.)
Guest: beyond platinum Post subject: Rebate for CitiBank PremierPass Credit Card Credit Expert (100+ Posts) Posted: Sat Jan 28, 2006 2:06 am Here is the website for the points redemption in case you don't already know. www.thankyounetwork.com I'm currently enjoying my 0% APR with them which lasts until October of this year. _________________ "The most incomprehensible thing about the world is that it is comprehensible." --Einstein
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Sun Jan 29, 2006 9:33 am Did not know! Thank you. I'm usually into Bath and Body works but I just bought enough stuff to last a lifetime during their holiday sale. I think I will go for Target's instead, even though I'm typically a Walmart person. Should help me out with at least one month of groceries Oh, Goodie! I found something even better: I can apply my points towards my student loans. At least this way ensures that I get all the money once and for all! I rarely, if ever, spend all of the money on any gift cards I've had in the past. Talk about a cash cow for the companies!!
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Guest: Board Monitor Board Monitor/ Administrator Posted: Sun Jan 29, 2006 10:20 am Applying your card reward point to pay down debt- Great idea! That's what I call a savvy consumer. _________________ 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: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Jan 29, 2006 11:37 am I redeem my points for Shell Gas Cards. That's the most useful way I've found to use them, so far. (I don't have student loans.) _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Mon Jan 30, 2006 11:58 am Why, thank you, Gentlemen I called them today and they said to allow 4 to 6 weeks for the payment to post. This is almost better than even cash back (a check) because the money gets applied to a non-frivolous cause right away.
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Rebate for CitiBank PremierPass Credit Card
Guest: JaneiR36 Post subject: Rebate for CitiBank PremierPass Credit CardCredit Expert (100+ Posts) Posted: Mon Jan 16, 2006 7:20 am I just don't remember the terms for this card and can't find them, either. I've been approved since 11/16/05 but only did make my first purchase last week. They're supposed to credit you $100 in your rewards column after your first purchase. What I don't remember is if this first purchase had a time limit, like 30 days or something? My next statement will be in about two weeks so if anyone knows, please enlighten me.
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