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Pre-Approved for Chase Credit Card?
Guest: rchurchman Post subject: Pre-Approved for Chase Credit Card?Posted: Mon Mar 13, 2006 5:14 pm Saturday I received a pre-approval letter from Chase for a Platinum. I applied online last night and the system said that I would receive my decision in the mail. Well today, I received an email saying "welcome to chase, etc, etc. Does this mean I was approved? I called the 800 number and it said it was still pending. It wasn't one of those phishing emails requesting my info. So whats the deal with people experience?
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 13, 2006 5:29 pm "Welcome to Chase" probably means you're now a Chase customer, so you're probably approved for some sort of card. Might not be the one you applied for, though. Doesn't the rest of the email give you more info? _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: TomfromCT Posted: Mon Mar 13, 2006 5:35 pm Seems to me you got approved for something. I'd be a bit surprised if there wasn't some form of details in there that tells you what.
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Guest: iceman Posted: Mon Mar 13, 2006 11:47 pm rchurchman wrote: Saturday I received a pre-approval letter from Chase for a Platinum. I applied online last night and the system said that I would receive my decision in the mail. Well today, I received an email saying "welcome to chase, etc, etc. Does this mean I was approved? I called the 800 number and it said it was still pending. It wasn't one of those phishing emails requesting my info. So whats the deal with people experience? On your pre-approval letter there should be a 888, or 800 telephone number. If you dial that number and select #2 when the recording comes on. It should say check the status of application, type in your social security number. It will tell you if you were approve or not. If you do not have the 888, or 800 telphone number you can call this number 888-815-4582 select #2.
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New Terms for Discover Credit Card
Guest: stevejk Credit Expert (100+ Posts) Post subject: New Terms for Discover Credit CardPosted: Tue Mar 14, 2006 9:08 am I received the new terms and conditions for my Discover card in the mail yesterday. I don't have it in front of me now, so I can't list all the changes. However, there is one change that will definitely affect me starting in April 2006. They are changing the date of the automatic payment. Normally, they withdraw funds from checking on the payment due date. Now, they will withdraw funds ten (10) days before the due date. They're going to sit on my money for ten days, earning interest for them before applying it to my account? What a crock! I believe they say that this is only for those of us who PIF each month. Maybe I need to switch to auto pay only the minimum and use Yahoo's free bill pay -- they withdraw funds on the day the payment is [allegedly] received -- for the balance. But then again, I only use Discover for restaurants so the monthly payment is not as large as on my main CCs.
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Mar 14, 2006 10:46 am Quote: They're going to sit on my money for ten days, earning interest for them before applying it to my account? What a crock! Uh, it's not YOUR money--it's Discover's money. If it's a minimum payment, then it's only a tiny part of the balance on your card--and the entire balance is money you've borrowed from Discover. I'm sure that Discover will credit your card with the proceeds on the day that happens, so if you ARE carrying a balance the interest on that tiny portion (1%? 2%) of what you owe will stop on that day. You can always NOT use its automatic system if you prefer. But don't forget it isn't your money. Really. It isn't. How easy it is to forget that! _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Mar 14, 2006 10:51 am stevejk wrote: I received the new terms and conditions for my Discover card in the mail yesterday. I don't have it in front of me now, so I can't list all the changes. However, there is one change that will definitely affect me starting in April 2006. They are changing the date of the automatic payment. Normally, they withdraw funds from checking on the payment due date. Now, they will withdraw funds ten (10) days before the due date. They're going to sit on my money for ten days, earning interest for them before applying it to my account? What a crock! I believe they say that this is only for those of us who PIF each month. Maybe I need to switch to auto pay only the minimum and use Yahoo's free bill pay -- they withdraw funds on the day the payment is [allegedly] received -- for the balance. But then again, I only use Discover for restaurants so the monthly payment is not as large as on my main CCs. Mine is at $0.00 has been since last year I always PIF (unless I get a BT under 3%) I only pay the amount I want to pay on the DAY I WANT TO PAY IT (ON-LINE)
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Guest: Cathy Posted: Tue Mar 14, 2006 11:31 am Unfortunately, Discover is not a card I can reccomend. Long story made short is I've had a change in financial circumstances and will be moving soon. I called them to inform them of this and to work something out payment-wise since I can't keep up with the payment (which was raised) that my former debt management company set up a long time ago. They told me my account had to be past due before they could change anything! Still not sure what I'm going to do just yet though I'm considering a few different options including paying them what I can and hope for the best. It's not what I want but once I get moved I may not have a choice because other expenses will be going up.
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Can I buy a car with a credit card? (cont'd.)
Guest: TomfromCT Post subject: Can I buy a car with a credit card?Posted: Mon Mar 13, 2006 2:19 pm Board Monitor wrote: My latest adventure is buying a condo using several balance transfer offers. Polonius inspired me. Dude, You are MY American Idol....and I don't care what Simon says!
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Guest: bullet875 Posted: Mon Mar 13, 2006 9:43 pm Good luck! Maybe I'll give that a try to purchase my retirement home in Fla!
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue Mar 14, 2006 8:31 am Quote: You are MY American Idol....and I don't care what Simon says! Considering that my wife and I are HUGE Idol fans, that is quite the complement! Hope the fact that I love Idol doesn't hurt my call into question my credibility. _________________ 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: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Mar 14, 2006 10:53 am I wish someone would tell my wife I'm an inspiration; I don't think she um, ALWAYS agrees with that. I'm addicted to Idol as well. Is there any way they could draw out the results show any longer? I especially love when Ryan Seacrest wishes the contestants "good luck" when he has the results in his hand already. Luck has nothing to do with it at that point. In my own mind, I'm a great singer--pity that no one agrees with me. (In school I was one of the "silent chorus"--told to move my lips but not utter a sound, just pretending to sing. How embarrassing!) But I digress. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Mar 15, 2006 8:32 am Feel free to digress often, especially when Idol is concerned. Idol fans unite!!!!! _________________ 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: TomfromCT Posted: Wed Mar 15, 2006 9:01 am Idol has totally sucked me in this year. McPhee and Daughtry are my top two. Taylor and pickler are so entertaining. (OK I am in LOVE with Pickler) Ace's stock has dropped like a brick off the top of the empire state bldg(wife disagrees) Bucky and Kevin are dont this week although bucky did better than I expected.
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Guest: rapjunkie Posted: Wed Mar 15, 2006 2:37 pm I'm not sure how Kevin got this far... he's got pitch, but lacks idol/star quality. I predict the final four will be McPhee, Paris Bennett, Chris Daughtry, and Elliot Yamin, although I'd like to see Kellie Pickler in there too.
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Can I buy a car with a credit card?
Guest: QikPass Credit Expert (100+ Posts) Post subject: Can I buy a car with a credit card?Posted: Sun Mar 12, 2006 10:06 pm Is there anything in cc agreements against doing a balance transfer from a car loan? I see in of my cc agreements, they say u can transfer your high interest rate Credit cards to XYZ, but they dont stipulate whether u can use car loans also. Can someone please advise. Thanks. _________________ Fortune Favors The Bold...
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Mar 12, 2006 10:48 pm QikPass wrote: Is there anything in cc agreements against doing a balance transfer from a car loan? I see in of my cc agreements, they say u can transfer your high interest rate Credit cards to XYZ, but they dont stipulate whether u can use car loans also. Can someone please advise. Thanks. All you need is an account number...a price to pay...and sometimes the payment address
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Guest: rapjunkie Posted: Sun Mar 12, 2006 11:27 pm You can always use BT checks too.
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Guest: Tigerdad101 Posted: Mon Mar 13, 2006 1:47 am QikPass wrote: Is there anything in cc agreements against doing a balance transfer from a car loan? Apparently not. I aksed Chase Visa, Discover and Capital One MasterCard that exact question (just to be sure I was not violating the card agreements) and they all told me some version of "How you use the balance transfer checks we sent you is up to you." They could only handle direct transfers for other credit cards but the bottom line is that I used a balance transfer check to buy a Ford F-350 for 0% and then transferred that 0% loan to another credit card at 0% a month before it ran out. Now I have another 15 months of 0% and figure I'll likely have another offer for a similar rate/balance transfer before that runs out.
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Guest: TomfromCT Posted: Mon Mar 13, 2006 7:51 am we bought the entire truck from the dealer with a 4.9% check.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 13, 2006 12:30 pm 2 SUV's (2005) AMEX DELTA
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Guest: Board Monitor Board Monitor/ Administrator Posted: Mon Mar 13, 2006 1:30 pm Cool Mouse! For a mouse, you sure have a MIGHTY ROAR! Wife and I put a 2004 Dodge Grand Caravan on my Discover Card for the cash back and then did a 0% balance transfer to MBNA. Worked nicely for us. My latest adventure is buying a condo using several balance transfer offers. Polonius inspired me. _________________ 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 Dividend Platinum Select Credit Card Offer
Guest: hdporter Credit Expert (100+ Posts) Post subject: Citi Dividend Platinum Select Credit Card Offer Posted: Mon Mar 13, 2006 11:25 am Anyone here have experience in responding to a mailed invitation from Citi that reads (excerpted): "We want to make your Citi Dividend Platinum Select Card the card you choose first for everything you buy" ... "What can we offer you? A lower rate on purchases?" ... "cash back on your everyday spending?" ... "rewards" ... "Please tell us what features or benefits would make your card easier or more rewarding to use" ... "RSVP: 800-xxx-xxxx today to see what you qualify for". Before we call and request a 0% 'til paid, no fee BT, , I was curious if anyone has been able to use this "offer" to milk something particularly attractive from them. - Harry
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 13, 2006 12:25 pm hdporter wrote: Anyone here have experience in responding to a mailed invitation from Citi that reads (excerpted): "We want to make your Citi Dividend Platinum Select Card the card you choose first for everything you buy" ... "What can we offer you? A lower rate on purchases?" ... "cash back on your everyday spending?" ... "rewards" ... "Please tell us what features or benefits would make your card easier or more rewarding to use" ... "RSVP: 800-xxx-xxxx today to see what you qualify for". Before we call and request a 0% 'til paid, no fee BT, , I was curious if anyone has been able to use this "offer" to milk something particularly attractive from them. - Harry "IF" I'm gonna' get CASH BACK I want the CASH BACK as a credit each month and I don't want to have to pick the correct places to shop at to find out what is "EVERYDAY SPENDING"
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Guest: bullet875 Posted: Mon Mar 13, 2006 10:08 pm I agree with mouse, but 10% cash back would be nice....a fairytale but nice all the same..lol
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Mar 13, 2006 11:00 pm bullet875 wrote: I agree with mouse, but 10% cash back would be nice....a fairytale but nice all the same..lol 5% would be OK I would settle for even 3% NO MAX NO "SPECIAL PLACES ONLY" Everything else is like 1% or less
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Guest: hdporter Credit Expert (100+ Posts) Posted: Tue Mar 14, 2006 11:40 am Turns out the letter was prompted because there's been no active charges against the account. We asked for a lower rate and were told we have the lowest rate permitted on our Dividend Platinum Select. However, they offered to open a Diamond Rewards card with a reduced rate. We countered that we already had one. Of course, we use the Diamond and pay it in full each month while carrying a large transfer balance on the Platinum at 2% 'til paid. Bottom line, the letter was a non-event. Surprise. - H.
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Guest: rapjunkie Posted: Wed Mar 15, 2006 3:17 pm I got that a couple times too... definitely just an attempt by them to get consumers to use the card, or to keep them aware of the potential benefits of using it... just marketing.
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Bank of America Power Rewards Credit Card
Guest: quiznut1 Post subject: Bank of America Power Rewards Credit CardPosted: Mon Mar 13, 2006 2:36 pm It was previously discussed in this forum about the Bank of America Power Rewards Visa credit card, a card that offered a $1,000 statement credit at 50,000 points (1 point for every dollar you spend). This is a 2% cash back rate, but with the MBNA/Bank of America merger, it was under some suspicion that the 50,000 point reward for $1,000 was going away. The removal of the reward from this website also seemed to confirm that: Bank of America Power Rewards Visa Platinum However, after placing 3 calls to the Power Rewards Center in the span of about 3 weeks, which is the very number that customers of this card must call in order to redeem their rewards, the representative's answer has been the same. This 50,000 point reward for a $1,000 statement credit is not going away. The representative has told me each time as well that the reasoning for the removal of the 50,000 point reward from the website above, is that customers are now required to CALL to request this reward. This 50,000 point reward is no longer redeemable online, as well as the 35,000 point reward for $600 (1.5% cashback). I also asked if there was any chance the 50,000 point reward would be going away in the near future that had anything to do with the merger, or any other reason, and they have consistently told me no. This means now that this card is still available at a 2% cash back rate if you can earn 50,000 points in 5 years, at a rate of 10,000 points per year (because the points expire after 5 years), 1 point for every dollar you spend. I am definitely thinking of applying for this card when I get out of school.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue Mar 14, 2006 8:38 am Thanks for the update! Interesting. If this offer is still around by this summer, I think I will do the same. I did the math today on my Blue Cash card and I'm earning an effective rebate rate of 1.77%. So, not too far off. _________________ 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: Tue Mar 14, 2006 10:48 am Well, if that reward isn't mentioned online, you're going to have a wonderful time convincing some CSR years from now that you're still entitled to it. I'd suggest you get it in writing. Rewards come and go and can change at any time. That's one reason why I prefer cash rewards credited to my account at once. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: Woolfman Posted: Wed Mar 15, 2006 4:07 pm I picked up a brochure the other day at the Bank about this card, and I was wondering how it worked. Now that I know you have to reach 50,000 points I think I'll pass.
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Best Rewards Credit Card (cont'd.)
Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Post subject: Best Rewards Credit CardPosted: Wed Mar 15, 2006 4:25 pm Thank You! Rewards is a Citibank product. How worthwhile any non-cash rewards program is depends on what you get for the rewards--and that can change at any time. Right now, 5,000 Thank You redemption points will get you a $50 Shell gas card or various other $50 cards, so each rewards is worth a penny if you regard that "same as cash." (But you can get those Shell gas cards for $40 in various ways, so I'd say a Thank You! rewards point is worth $.008 each ($40 for 5000). So 5 rewards points for each dollar of spending is great--that works out to 5% or 4% return on each dollar you spend. What card offers 5 Thank You rewards points per dollar? _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: beyond platinum Credit Expert (100+ Posts) Posted: Wed Mar 15, 2006 4:40 pm Quote: What card offers 5 Thank You rewards points per dollar? The AT&T Universal card has this but its only for groceries, gas, drug store purchases and AT&T products and services. The $.01 per point cash value is approximately what I figured as well. thankyounetwork.com/pointsWithCitiUniversal.jspx _________________ "The most incomprehensible thing about the world is that it is comprehensible." --Einstein
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Mar 15, 2006 4:45 pm Thanks--I didn't know that. I'm a Charter member of the AT&T Universal card, which so far as I can tell means I get less in rewards than new members. I don't get 5% or 5 rewards points on the card... _________________ 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!
Best Rewards Credit Card
Guest: joyfulmom Post subject: Best Rewards Credit CardPosted: Sun Mar 05, 2006 8:43 pm Hi, I am a new kid on the block. I just found this forum board and there is some great information here. I am looking for a new credit card with the best rewards program. I spend average of abouot $1,000 month, always pay in full each month, and have excellent credit rating. I am not too partial about whether the rewards are in cash back, or points, or ?. I have been reading and comparing for a couple of months, but since it's not comparing apples to apples, it's hard for me to know. Some offer points, some rewards, some cash, etc. So far, I have been interested in the ones that offer a $100 gift card after your first use of the card. But I also believe the phrase, "if it sounds too good to be true, it probably is." Also, I have been reading on another web site "Rip Off Report," and some of the card companies seem less than desirable. From what I read, I seem to be leaning towards Citi. What do you think?
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Guest: astounding Posted: Mon Mar 06, 2006 4:27 am Chase Cash Plus is a good cash rewards card. 5% cash back at grocery stores, gas stations and drug stores and 1% cash back on all other. Citi Diamond Preferred Rewards Card is a POINTS rewards card and has no annual fees. You get 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations. And 1 point for every $1 on all other purcahses. Those 2 ones are one of the best I know. -A _________________ 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
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: Mon Mar 06, 2006 10:13 am joyfulmom, Greetings and welcome to the board! The $100 offers from major card issuers (Citi, Chase, etc.) are legit. In addition, www.CardRatings.com is offering a $25 bonus rebate on select card offers: 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: Mon Mar 06, 2006 9:15 pm There's really no one answer to the question. It depends on your life style and what's important to you. Do you travel a lot? Mabe an airlines miles card would be right for you. Do you shop a lot at Amazon? Get an Amazon card. It pays a large rebate for Amazon purchases. Buy.Com offers a card through Chase that gives rebates, plus a $30.00 credit with your first purchase. If you shop at Men's Wearhouse they have a store crtedit program which gives you a $50.00 rebate certificate every time your purchases amount to $500.00, the equivilant of a 10% rebate. There are literally tons of rewards cards out there. You have to decide which ones - yes, you can get more than one - are best for you. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: joyfulmom Posted: Wed Mar 15, 2006 3:25 pm Thanks very much for your suggestions. I have one more question -- Some cards offer % cash back, some offer points (i.e. Thank You points). For the same purchase, it seems one card will offer 1% cash back, while the other will offer 5 Thank You points. Are these equivalent? Or is one worth more in the end than the other? Thanks!!
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Bank of America Credit Cards Widely Accepted
Guest: Alexis Rios Credit Expert (100+ Posts) Post subject: Bank of America Credit Cards Widely Accepted Posted: Wed Mar 15, 2006 6:41 pm I check today BoA's credit card application section , and i found that they oficially include American Samoa , Guam , US Virgin Islands and Puerto Rico in their state list. Now are these territories will have full access of credit card catalogue and able to have BoA credit cards and other services.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Discover Credit Card Application Approval
Guest: krazysurfer Post subject: Discover Credit Card Application ApprovalPosted: Wed Mar 15, 2006 11:17 pm I just applied for the discover plant. card online hoping to be instantly approved but got the 30 day notice. Ive notice that not many people get instantly approved for discover. Its been about 6 days since i applied, Im sure i will be approved maybe with a low limit though. How long did it take for others to recieve in mail with the 30 day notice. Im hoping I get it in the next 3-4 days because I will be going on vacation in about 5-6 days and would prefer to have it before i leave.
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