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CitiDividend AmEx Credit Card with 0% Balance Transfer
Guest: JoyJoy Post subject: CitiDividend AmEx Credit Card with 0% Balance TransferPosted: Thu Mar 30, 2006 7:57 pm Ok hubby has a question. He will receive this CitiDividend card any day and the terms are: 0% APR on balance transfers until 4/1/07. Plus, you'll receive 3 bonus months at 0% on balance transfers until 7/1/07 if you make a balance transfer and $100.00 in purchases that post to your account and are not returned within 3 months of becoming a cardmember. As a responsible lender, we want you to know that this 0% APR offer applies to transfers, not purchases and cash advances. This 0% APR may increase if you default under any Card Agreement that you have with us or fail to make payments to another creditor whendue. Your payments will be applied to low APR balances before higher ones. For further information, please see the back of this letter for Citibank Disclosures which include how we may change rates, fees and terms of your account." His question is should he charge $100.00 to the card first, pay it off when he receives the statement and then do a balance transfer? _________________ J~J "You may never know what results come from your action. But if you do nothing, there will be no result." Mahatma Gandhi
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Thu Mar 30, 2006 8:48 pm Quote: His question is should he charge $100.00 to the card first, pay it off when he receives the statement and then do a balance transfer? yes do that. I have a citi diamond card with a 100 bonus that came today and plan to do the same thing. Citibank is good for "banking" bt offers to use a little latter.
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Mar 31, 2006 1:30 am He should charge $100 to the card and pay it off the same day, then do the transfer. No need to wait for the statement closing date. Just make sure the online balance is 0 when the transfer hits the account. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Fri Mar 31, 2006 7:42 am OP, was this in the original offer (for 3 addtional months). I looked at citi's terms on this card and is typical of their other cards to start the clock at the bt: "Balance transfer APR: As long as first balance transfer is completed within 12 months from date of account opening, 0.00% for 12 months from date of first balance transfer."
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Guest: JoyJoy Posted: Fri Mar 31, 2006 12:56 pm [quote="Polonius"]He should charge $100 to the card and pay it off the same day, then do the transfer. No need to wait for the statement closing date. Just make sure the online balance is 0 when the transfer hits the account.[/quote] Thanks Polonius. Hubby asked me why he had to wait until the statement date too since we're paying our bills online now. _________________ J~J "You may never know what results come from your action. But if you do nothing, there will be no result." Mahatma Gandhi
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Chase Cash Plus Credit Card vs. Rewards Plus Credit Card
Guest: georgee Post subject: Chase Cash Plus Credit Card vs. Rewards Plus Credit CardPosted: Thu Mar 30, 2006 2:53 pm Does anyone know the difference between these two cards? The Chase website doesn't tell you anything about the rewards structure. I have Chase Cash Plus, but I am wondering if Rewards Plus is a better card. I only want cash, not gift certificates. Are they both on a calendar year basis? I was thinking about calling Chase to change programs. Does anyone have this card? How does it work?
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Guest: catalyst4christ Posted: Thu Mar 30, 2006 3:16 pm Cash Plus - Max of 30,000 points per year = $300 cash only...redeemable at $50 increments. Rewards Plus - Max of 75,000 points per year = $750 cash/gift cards, you can receive $600 in cash per year and $150 in gift cards...redeemable at $100 increments. I'm not sure whether it goes by calendar year or anniversary date. I've thought about switching from the Cash Plus to Rewards Plus as well but my wife and I don't spend enough to max out both the Citi Dividend and the Cash Plus so I'm not gonna switch it yet...possibly in the future. D _________________ AMEX Blue Cash/Citi Dividend Platinum Select/Wells Fargo Platinum/Chase Cash Plus Rewards/Discover Classic/Capital One Platinum/GAP Card
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Guest: stevejk Credit Expert (100+ Posts) Posted: Fri Mar 31, 2006 8:40 am I have all three cards y'all mention. According to the information they provided me when I signed up... The Chase Cash Plus and Citi Dividend are based on calendar year. The Chase Rewards Plus is based on anniversary year. A difference between Citi and Chase is Citi automatically sends a check when you accumulate $100 in rewards, whereas with Chase you need to request a check online or phone. With the Rewards Plus card, you can redeem cash for less than $100, but it would cost more in points than waiting for 10,000 pts to get $100. However, you can get a $50 merchant gift card for 5,000 pts. And, yes, catalyst4christ is correct that the Citi Dividend and Chase Cash Plus are limited to $300 per year and Chase Rewards Plus is limited to $750 per year ($600 cash limit).
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Mar 31, 2006 12:51 pm Quote: Citi automatically sends a check when you accumulate $100 in rewards Not true. You still have to call and request a check. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: stevejk Credit Expert (100+ Posts) Posted: Fri Mar 31, 2006 1:08 pm Okay, to revise my statement... In the case of my Citi Dividend card, they automatically mail a check when I reach $100 in rewards. YMMV. Granted, when I reach $50, I can call to request a check.
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ING Credit Card Offer with 4.00% APR
Guest: QikPass Credit Expert (100+ Posts) Post subject: ING Credit Card Offer with 4.00% APR Posted: Fri Mar 31, 2006 3:52 pm Quick note to all you BT transfers, ING is back down to 4.00% as of 3/31/06 _________________ Fortune Favors The Bold...
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Guest: Woolfman Posted: Fri Mar 31, 2006 4:33 pm I thought that the "Winter save up sale" was supposed to last until tax day April 15 ? 4.75 %
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Mar 31, 2006 6:10 pm It's actually a RISE of .2%, from 3.8% to 4.0%, as the basic rate. Those who put NEW funds in to get the 4.8% bonus rate will still get it; it's guaranteed through 4/15. After 4/15, I suspect Ing will pay at least the same as its main competition... _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Change Your Credit Card Payment Due Date (cont'd.)
Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Post subject: Change Your Credit Card Payment Due DatePosted: Wed Mar 22, 2006 2:06 am There are two different dates involved here--the statement closing date and the payment due date. The Chase on-line option only lets you change the payment due date--but that automatically changes the statement closing date too. I'm making the assumption that the statement closing date will be the same number of days after the payment due date. (That could vary month to month. In my experience, the date does not make any distinction between business days and non-business days.) Let me give another example. I'm looking at a statement from Citibank with a payment due date of April 6 and a statement closing date of March 14th. My statement on that card always closes on the 14th day of the month. If I've got a balance transfer worded that same as above, I'd want the statement closing date to be just about the last day of the month--but that last day could be the 30th or the 31st or even the 28th depending on the month. So the statement closing date is eight days after the payment due date. I'd want the statement closing date to be August 31st; so that would make the payment due date August 23rd. BUT the bank might not have a fixed date each month but measure it 30 days from the previous due date. So I'd play it safe and set the due date to the 22nd or even the 21st just to make sure. And then the fun begins. You still make your minimum payment by whatever the due date is (in this case, say August 21st). But you can send in the REST of your payment to reach the bank on or before the 31st. As long as your statement closing date remains in August, you're not affected by that "Sept 1" stipulation in my first post. It's not a big deal--but it only takes a minute to change the date in your favor when you decide to use one of these offers. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: bullwinkle29 Posted: Wed Mar 22, 2006 8:25 pm inteeresting, but still confussed
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Mar 23, 2006 9:31 am OK, bullwinkle29, let me try again. The point is that the BT offer will expire. You want it to last as long as you can make it last. If it says it will expire on the first day of your billing cycle which includes Sept 1, then it expires on or BEFORE Sept 1. If you get billed on the second of each month, as in my example, you have to pay it off in full before your August 2nd statement billing date, because that billing cycle runs from August 2nd through September 1 and so it includes Sept 1. In other words, with that wording, your offer ends August 1st. My suggestion is to just change the billing cycle date so "the first day of your billing cycle which includes Sept 1" IS Sept 1. That way you get the bt offer through August 31st--and thus get an extra month on it. The rest of the post is just how to calculate the dates involved, plus the observation that you only need to make the minimum payment by the payment due date. As long as the rest arrives before the statement closing date, you still get the benefit of the offer. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Fri Mar 31, 2006 12:49 pm thanks polonious for coming up with this idea. I got my statement close date changed from the 22nd to the 28th, which is great since chase has offered this bt op. and I have taken it x2 on my higher limit card.
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Mar 31, 2006 6:13 pm Chase won't let you change the date a second time until 180 days after your first date change. Still, that's not bad at all. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Change Your Credit Card Payment Due Date (cont'd.)
Guest: vannatc Post subject: Change Your Credit Card Payment Due DatePosted: Tue Mar 21, 2006 12:22 pm Polonius, Ok I want to do this to help me to hopefully extend my BT for a month if possible. Details: ok I have a BT offer until 6/1/06. My statement closes on the 13th of each month and my payment is due normally due on the 2nd but last month on the 10th and this month on the 7th. So is there a way I can switch my date to get a later BT due date than 6/1/06?? Help! Tracy
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Mar 21, 2006 5:56 pm If your offer says it ends on 6/1/06, then it ends on 6/1/06. Nothing you can do about that. Read what I posted again, carefully. The offer I had was worded differently. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: vannatc Posted: Tue Mar 21, 2006 9:06 pm Yeah I see now. Sorry I got excited for a minute and didn't read your post throughly. Tracy
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Tue Mar 21, 2006 10:43 pm hmm. looking at one of my chase cards: statement date 2/23/06 and includes purchases for 1/23/-2/22 payment due date: 3/19/06 based on this (using the 19th for payment due date), your full payment would need to be the 8/22/06 since you would need to pay off before the first day of the billing period that includes 9/1. The first day would be 8/23, right? still better than the first of august. wouldnt you rather change payment date to the 25th or 26th, which would put your statement closing date at the end of the month right before the 9/1 date? Am I missing something. It would be nice if they actually put a drop dead date like boa or citi....
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Change Your Credit Card Payment Due Date
Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Post subject: Change Your Credit Card Payment Due DatePosted: Fri Mar 17, 2006 10:18 pm I received one of those "limited time" BT offers from Chase today. I can do a balance transfer at 0% with a $75 fee until "the first day of your billing cycle that includes September 1 2006." But, darn it, my billing cycle ends on the 2nd of each month, so I would have to pay back the loan in full before August 2nd. Then I had a thought. I went online and looked at my account. I found an option to change my payment due date, which is the 22nd of each month. Well, if the 22nd produced a statement closing date of the 2nd of the next month, then changing it to the 20th should produce a closing date before the 1st of the month. I changed the date online to the 19th just to allow a bit of leeway. So I should be able to PIF this transfer on August 30th, giving me almost another full month of free money. You can probably do the same with your payment due dates--change then to a date useful to you for such offers. It will take a month or two for the dates to kick in, by the way, so you can't use this method to postpone a current due payment... _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: hdporter Credit Expert (100+ Posts) Posted: Sat Mar 18, 2006 12:29 am COOL idea, guy! Nice thing is that there's no rush so long as you change the due date no later than a couple of months before your promotional rate is due to expire. - H.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Mon Mar 20, 2006 6:23 pm Cool tip Polonius! Love it. Let us know how everything turns 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: yogi40 Posted: Tue Mar 21, 2006 8:40 am Cool, but how many companies will let you change the payment date? _________________ Credit Cards!
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Should I do a balance transfer onto my credit card?
Guest: rheld19 Post subject: Should I do a balance transfer onto my credit card?Posted: Fri Mar 31, 2006 1:21 am just want to say hi to everyone and i think this forum is really informative and slowlly am getting addicted to it, but ive read for a few weeks and have not seen a question similar to mine, got a new card with a low limit and have two others dc and c.one, would it be better to spend a little and pay the balance on the new card or transfer the balance from capone card, avail credit on the credit score vs getting rid of capone for good like i want, app. any feedback
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Guest: stevejk Credit Expert (100+ Posts) Posted: Fri Mar 31, 2006 8:31 am Without more information, it is hard to say. Assuming your objective is to do a balance transfer (BT) from the Cap One to the new card because of lower intrest rate, need to consider BT fees on the new card that may make the overall cost more than leaving the balance on the Cap One card and paying it off. If your objective is to get a higher limit on the new card, I'd say pay down/off the balance on the other two cards, make purchases on the new card and pay them in full (PIF). After 6 months or so, they may raise your limit or you can ask for an increase.
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Guest: rheld19 Posted: Fri Mar 31, 2006 8:05 pm thanks for replying stevejk, i re read the post and it is a little confusing, would it be better to have 3 cards open 2 with a high balance and one paying off each month, or to have 3 cards with balances in the mid range and solid payments, my true concern with my credit right now is that i have two cards basically maxed out and have a new card with no balance and what would look the best to creditors to in say a few months maybe even 6 try for a card with 0 apr on tranfers and then get rid of capone
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Credit Card Offer with 0% Balance Transfer
Guest: JoyJoy Post subject: Credit Card Offer with 0% Balance TransferPosted: Sat Apr 01, 2006 12:42 pm Interesting read about this at mymoneyblog.com _________________ J~J "You may never know what results come from your action. But if you do nothing, there will be no result." Mahatma Gandhi
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Recent College Graduate Wants to Convert Credit Card to Cash Back Card
Guest: jjhuss9178 Post subject: Recent College Graduate Wants to Convert Credit Card to Cash Back CardPosted: Sat Apr 01, 2006 4:55 pm I have had a student card since my freshman year and am now about to graduate from college. Have used the card quite a bit over the past 4 years and have always paid in full every month. Was wondering if it is possible that I could call my CC company (Chase) and have this card converted into a regular cash-back card. Has anyone ever heard of anyone doing this and if it is possible does the converted card still have the same info. as my previous card on my credit report?
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Sat Apr 01, 2006 6:01 pm Call and try. If not not a big deal..... Keep the card until your new accounts get a couple of years under them and then cancel it. Your credit history will be plenty long _________________ Average FICO score: 709 Average FAKO score: 703 55 Months of perfection WOOOHOOOOOO !!!!!!!!!!!!
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Credit Card Offer for International Student
Guest: supkev Post subject: Credit Card Offer for International StudentPosted: Sat Apr 01, 2006 2:37 pm I'm an international student, and I just got my SSN through a job in campus. Last week I applied for Wellsfargo College Credit Card where I have checking/saving account there, but they rejected since they said that I didn't have any credit history. I also applied for Capitol One's College student one and Citibank College Platinium but still waiting for their answers...I'm affraid that I will get reject again My cousin suggested me to apply for some department stores' credit cards like Target or Macy's to establish my credit...Any recommendation? Thank you
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Sat Apr 01, 2006 2:56 pm Try a secure card. _________________ Average FICO score: 709 Average FAKO score: 703 55 Months of perfection WOOOHOOOOOO !!!!!!!!!!!!
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Sat Apr 01, 2006 3:43 pm We have had this discussion recently. Many people here applied first for some gas/department store cards that are easy to get and just built a history of payment. Some others have had a family member cosign for them on a card or got a student card (I would wait to see what your results are on that). Some people here think secure cards are a scam. Sorry to anyone that has gone that route.
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Guest: supkev Posted: Sat Apr 01, 2006 7:00 pm Thanks for your replies... Any suggestion on Chase Student Credit card?
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Guest: Alexis Rios Credit Expert (100+ Posts) Posted: Sat Apr 01, 2006 7:32 pm supkev wrote: Thanks for your replies... Any suggestion on Chase Student Credit card? It's a good card. But also check if your campus have a student credit card. Most colleges have their own brand of credit card.
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Guest: quiznut1 Posted: Sat Apr 01, 2006 9:43 pm If you're in college, a good card I wished I would have taken advantage of when I was a freshman in college (I'm a senior now) is the Citi Platinum Select mtvU Visa. This card seems to target those just starting their credit history. You earn 25 bonus thank you points every month just for paying on time and not going over your credit limit. Also, twice a year, you can submit your college grades for the semester and earn bonus thank you points: If your GPA is... 2.5-2.99 - 250 bonus points 3.0-3.49 - 500 bonus points 3.5-3.99 - 750 bonus points 4.0 - 2,000 bonus points Otherwise, you will earn 5 points per dollar spent at restaurants, bookstores, record stores, movie theaters, and video rental stores, 1 point per dollar spent everywhere else. Here is a link for the Thank You Network where you can check out the different rewards available with your points. If you don't think this card is the best deal, you can always apply for the Citi Dividend Platinum Select for college students. This card also seems to target students that are just starting out with their credit. The card is very generous: 5% cash back on gas station, grocery store, and drugstore purchases 1% cash back on everything else Limit $300 yearly rebate limit, and you can cash out once you reach $50 in rewards. Of course the only way to make both of these cards work for you with the rewards is to pay your balance in full and on time, every single month. But otherwise, both of these cards are the best I have found.
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No Limit Credit Cards
Guest: CreditFanatic Post subject: No Limit Credit Cards Posted: Fri Mar 31, 2006 4:41 pm http://www.bankrate.com/nltrack/news/cc/20060331a1.asp Now, before you guys go bashing on my head, I do know there was a thread on this topic. I just can't find it. Plus, It'll help anyone new to the forum. But, I have been thinking of applying for a Visa Signature card. Then, I read the above article. I remember someone stating something about the "limit exposure." Can anyone refresh my mind on that?
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Guest: beyond platinum Credit Expert (100+ Posts) Posted: Fri Mar 31, 2006 7:44 pm Good article with a lot of truth in it. I found myself in a similar situation when I opened my Premier Pass card (World MasterCard); they have not reported my limit or my highest balance. It did cause a 20 point drop in my score but it recovered shortly thereafter. Since my score is close to 800, I really don’t care about the daily nuisances that go into FICO anymore. The term exposure limit refers to the amount of credit the financial institution is willing to extend you beyond your current limits either through limit increases or additional credit cards. If you the search menu you will find that there are several topics posted about it. _________________ "The most incomprehensible thing about the world is that it is comprehensible." --Einstein
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Guest: Chazmanian Posted: Sun Apr 02, 2006 12:35 am I also took around a 20 point hit from my Citi Premier Pass card account. On my credit report it does not show a limit. It only shows what I owed at reporting time?? when other creditors see this card on your report do they know what is really going on? You need to have a strong bureau to get that Pass card....And then it costs you points? I'll side with Mr.Platinum on this one PAY YOUR BILLS AND FORGET THAT SCORE! And it will all wash out clean in the end.
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Guest: Alexis Rios Credit Expert (100+ Posts) Posted: Sun Apr 02, 2006 8:36 am It's a bank's decision of reporting or not their credit limits, not the no-limit credit cards. I have 2 Visa Signatures (one Chase , and the other MBNA) and both of them reported my revolving credit line. In this case , it's a problem of Citibank.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Apr 02, 2006 3:25 pm AMEX GREEN/GOLD/PLATINUM also hurt your score This has been know for many years IT IS NOT SOMETHING NEW
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Capital One Credit Card Cash Back Rebate Reduced
Guest: kevin Post subject: Capital One Credit Card Cash Back Rebate ReducedPosted: Sat Apr 01, 2006 4:24 pm Hi, This is my first post. I just found out that Capital One changed the cash back reward on my MilesOne rewards card from 1% to 0.5%. This was effective 11/1/2005. I have 70000 unredeemed points which are now only worth $350 instead of $700. They claim they sent out a letter and there is nothing they can do to help me. I,m willing to let go of the 0.5% scince Nov., but I believe they should honor their original agreement for the 1% before Nov. Is this tough luck for me or do I have any recourse? Any feed back would be appreciated. Kevin
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Sat Apr 01, 2006 6:02 pm you got a plateful of tough cookies the card agreement says they can change things when they want _________________ Average FICO score: 709 Average FAKO score: 703 55 Months of perfection WOOOHOOOOOO !!!!!!!!!!!!
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Apr 02, 2006 3:39 pm kevin wrote: Hi, This is my first post. I just found out that Capital One changed the cash back reward on my MilesOne rewards card from 1% to 0.5%. This was effective 11/1/2005. I have 70000 unredeemed points which are now only worth $350 instead of $700. They claim they sent out a letter and there is nothing they can do to help me. I,m willing to let go of the 0.5% scince Nov., but I believe they should honor their original agreement for the 1% before Nov. Is this tough luck for me or do I have any recourse? Any feed back would be appreciated. Kevin So they reduced the "REWARD" RETROACTIVE??? That is really WRONG I would write the OFFICE OF THE PRESIDENT of the credit card company
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Dillard's Store Credit Card can be Converted to American Express Credit Card (cont'd.)
Guest: stilltrying Post subject: Dillard's Store Credit Card can be Converted to American Express Credit Card Posted: Sun Apr 02, 2006 1:38 am I'm still excited about the Dillards Amex card, but I'm disappointed by a few things. If you don't want to gamble on/wait for a letter to come, as I've explained earlier you can apply for the Dillards Amex card in-store or on-line. The approval process for applications is apparently handled entirely by computer. If you indicate on the form that you want to be considered for the Amex card and you are turned down, then you will automatically be considered for the Dillards charge card even if you already currently have a Dillards charge card:Quote: http://creditboards.com/forums/index.php?showtopic=166170 I applied and was approved for a $200 regular dillards card. but I already have a Dillards card that I have had for 14 yrs and has a $7500 limit. so I guess no Amex for me and a stupid $200 card. and then my hubby applied and got the 10 message. no $200 card. but he also already has a Dillards card with a $2300 limit. So I asked tonight what a person could/should do if he/she already has a Dillards charge card and is then, after applying for and being turned down for an Amex card, approved for a second charge card. The only advice that the rep could offer was picking out of the two charge cards the one with the higher limit and closing the other one. Furthermore, if a person winds up in the situation of now having two charge cards, the two charge cards and their credit limits cannot be combined. Also, in regards to the credit limit for the second charge card, not only is the approval process handled automatically, but the determination of the credit limit is handled automatically, too. In regards to the two waves/phases of letters that are being sent out, the first phase just ended two days ago. The company wants to allow a little time before beginning the second phase. The rep tonight doesn't know when the second phase will begin. I asked how the Dillards charge card customers will be selected for the letters in the second phase. He answered that people will be randomly chosen. He didn't have any information about what the criteria are for being approved for a Dillards Amex if one decides to apply in-store/on-line. But here's a hint of what the computer might/will be looking for:Quote: http://creditboards.com/forums/index.php?showtopic=167673 heres why i was denied according to the letter from GE Money Bank: box 2 checked. "In evaluating your request, a credit scoring system was used...... ............Nevertheless, the factor(s) where you did not score well compared with other consumers have been determined and these factor(s) were: " # OPEN REVOLVING ACCTS W/ BALANCE 75%+ OF HIGH CREDIT LAST 3 MTHS
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Apr 02, 2006 8:17 pm Where is Dillards? Never heard of them here in the Northeast. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: stilltrying Posted: Sun Apr 02, 2006 9:35 pm Until you asked, all this time I assumed that they are in every state. I didn't realize the number of states in the northwest, north, and northeast that have no stores or only one or two. At the main website, after clicking on "store locator" there's a map showing the present locations across the country: http://www.dillards.com/sec/SecHeaderServlet?secflag=s or http://kivera.dillards.com/ As a rough comparison, in terms of selection, quality of merchandise, and pricing, I would say they're inbetween Nordstrom and Kohls/Mervyns but closer to being like Nordstrom. Last edited by stilltrying on Sun Apr 02, 2006 9:38 pm; edited 1 time in total
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Apr 02, 2006 9:35 pm Ira wrote: Where is Dillards? Never heard of them here in the Northeast. NOT IN THE NORTHEAST!!! http://kivera.dillards.com/ Most of the stores are in the BOTTOM 1/2 OF THE USA
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Dillard's Store Credit Card can be Converted to American Express Credit Card
Guest: stilltrying Post subject: Dillard's Store Credit Card can be Converted to American Express Credit CardPosted: Wed Mar 08, 2006 10:48 pm I have some information about the Dillards American Express card (for some background on this, go to google and search for "Dillards American Express"). I had called this afternoon and reached someone who didn't know too much about this card. I called this evening and reached someone who was a lot more knowledgeable. Some of those who currently have a Dillards charge card will have a chance to have their card automatically converted to the Dillards Amex card. This conversion will happen in two phases. In phase one, letters will be sent out between March 10-March13th to those who haven't used their Dillards charge card for awhile and/or those who use their card infrequently. In phase two, letters will be sent to those Dillards charge card holders who actively use their cards (she didn't know the date(s) for when the letters would be sent out in phase two). When these letters arrive, the autoconversion process will be handled similarly to the way that Sears and Target handle their charge cards, i.e. if you are interested in having your Dillards charge card converted to the Dillards American Express card, then you don't have to take any further action and your new card will be mailed to you. If you are not interested in the Amex card, then you will need to contact Dillards. For those who don't receive these letters, you will have a chance to apply either in-store or on-line. The on-line application should be available at the end of this month. Regarding applying in-store, apparently only some stores (in certain states) currently have the applications. I guess to save yourself a trip to the store you could/should call Dillards to find out if your state is one of the ones with Dillards stores that have an in-store application. Regarding the in-store/online application, for those who already have the Dillards charge card I asked if there will be the option of indicating on the application that you would like to have your card automatically converted. Or will this application involve having your credit checked to see if you qualify ? She said that those who receive the letters in the mail will have their cards autoupgraded without a credit check while those people (who haven't received the letters) who fill out the application will have their credit checked.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Thu Mar 09, 2006 11:39 am Thanks for the post and the detailed info.! We are actually running a news story on www.CardRatings.com on this topic soon... _________________ 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: stilltrying Posted: Mon Mar 13, 2006 10:35 pm Thank you. I really enjoy this forum, and I hoped that this would be helpful information. I hope that the timing of my post didn't interfere in any way with this upcoming article. I came across some additional specific information about the terms and conditions of this Dillards American Express card. Would it be alright to post that ?
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue Mar 14, 2006 8:23 am Would be great! Please post here. The Dillard's article should be posted this week. Out of curiosity, how did you find out about us? _________________ 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: stilltrying Posted: Tue Mar 14, 2006 5:57 pm I was reading here "Dillard's Upgrade to AMEX" that there is a way to access the online application link for the Dillards Amex. The key here is the extra "t" at the beginning of the website address which the regular application does not have. According to here, Online Account Servicing will be available for Dillard's American Express accounts starting on 3/22 I found out about your site through a friend of mine who recommended it to me. Quote: https://twww.onlinecreditcenter2.com/Dillards/Dillards-apply.html?&splashlink5=5 Earn Dillard’s Reward Points every time you shop * Earn 1 point for every dollar spent at Dillard’s with your Dillard’s Credit Card * Earn 2 points for every dollar spent at Dillard’s with your Dillard’s American Express® Card1, plus 1 point for every dollar spent anywhere American Express is accepted Quote: https://twww.onlinecreditcenter2.com/Dillards/CreditTerms.html Quote: https://twww.onlinecreditcenter2.com/Dillards/step_1.html DILLARD'S AMERICAN EXPRESS® CARD TERMS Annual Percentage Rate Tier 1 Tier 2 Tier 3 19.49% 17.49% 15.49% Other APRs Delinquency Rate* Cash APR 22.49% Delinquency Rate* 28.49% The APR for Purchases may vary and will equal the prime rate plus (i) 11.99%, but not less than 14.99% for Tier 1 Accounts; (ii) 9.99%, but not less than 12.99% for Tier 2 Accounts; or (iii) 7.99%, but not less than 10.99% for Tier 3 Accounts. The APR for Cash Advances may vary and will equal the prime rate plus 14.99%, but not less than 17.99%. The Delinquency Rate may vary and will equal the prime rate plus 20.99%, but not less than 24.99%. The "prime rate" for a billing period is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on any business day of the three calendar months preceding the first day of the billing period. Grace Period for Repayment of the Balance for Purchases 25 days, if there is no previous balance or balance is fully paid; otherwise none. Method of Computing the Balance for Purchases Average Daily Balance (including new purchases) Minimum Finance Charge $1.00 Transaction Fee for Cash Advances and Convenience Checks The greater of $5.00 or 3% of the amount of the Cash Advance Transaction Fee for Balance Transfers The greater of $5.00 or 3% of the amount of the Balance Transfer, but no more than $75.00 Foreign Transaction Fee 3% of the Transaction Late Payment Fee: The amount of the Late Payment Fee will be based on your New Balance at the time your delinquent Total Minimum Payment was calculated. The Late Payment Fee will be $15.00 for a New Balance of $49.99 and under; $20.00 for a New Balance of $50.00 to $99.99; $29.00 for a New Balance of $100.00 to $999.99; and $39.00 for a Balance of $1000 or more. 5. Paper Copies of Communications. Upon your request, we will send you a paper copy of the Agreement, GEMB'S Privacy Policy for the Dillard's American Express Card or Dillard's Credit Card Program and/or other material provided pursuant to the Consent to Electronic Communication. If you would like a paper copy of any of this material please write to us at P.O. Box 981430, El Paso, TX 79998-1430 or call us at 1-800-643-8278. There will be no charge for a paper copy of this material.
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Guest: stilltrying Posted: Tue Mar 21, 2006 11:09 pm I have an update. Prior to tonight when I had called Dillards, the extension that has more information on the Dillards American Express card was not available. (At the end of my conversation I asked if this extension will have a direct number or extension number that the customer can dial to reach that extension directly. She answered that eventually the automated system will be updated where the customer will be able to call the current customer service number for Dillards charge card customers (1-800-643-8278) and press "1" if he/she has one type of card and press "2" if he/she has the other type (in other words, apparently the customer service phone number for the Dillards Amex card will be the same as the current number for the charge card). But for right now to reach this Amex extension, a customer needs to call the above 1-800 number and asked to be transferred to the Amex extension -- the phone reps have also been referring to the Amex card as the "Dillards dual card".) I tried to think of all the right questions to ask. The Dillards charge card customer service person to whom I talked before he transferred me to the Dillards Amex extension apologetically said his department is still in the dark about some things like the customers are. So if you have some particular question(s) about the Amex card you might want to begin with to ask to be transferred to the Dillards Amex extension. I had read elsewhere on the internet that a Dillards store employee had told a customer that supposedly eventually the charge card will be discontinued and that Dillards will offer only the Amex card. The person at the Amex extension tonight told me that is not true. There are no plans to discontinue the charge card. Regarding those people who will be receiving letters in this first wave, can a person call to see if his/her account has been flagged to indicate that this person will be receiving a letter ? The answer is yes. She also had specific information about the criterium for the period of inactivity to be eligible for this first wave. The letters in this first wave are being sent to those whose accounts have been inactive for three or more years. Another big question in my mind has been about applying in-store/online. For those of us who do not receive one of these letters and want to apply in-store/online, here is some important information: 1) I asked if we will have to fill out the same form and submit all the same information as those who do not have an account with Dillards -- yes, we will. I guess that's not a real big deal, but in my opinion that is a little bit of a disappointing hassle that I was hoping we who currently have charge cards wouldn't have to go through. 2) Once the credit is checked, will we wind up with two cards (a Dillards Amex card and a Dillards charge card) ? Yes, will. When she said that, I was pretty surprised. She said that after being approved for the Amex card a person can close his/her charge card if he/she wants to; after being approved for the Dillards Amex card, regardless of whether the person holds on to the charge card or closes the charge card, the person's account history for that Amex card will be starting from scratch. Here is the next thing that really surprised me. Regarding those people who will be receiving the letters, I had been assuming that the account history would be carried over to the Dillards Amex card (which is the way that Target handled my account when my Target Guest charge card was upgraded to the Target Visa account). According to this person tonight, that will not be the case: even those receiving the letters will be starting from scratch regarding their account history for the Amex card -- The only difference, she said, between a person who receives a letter and a person who applies in-store/online is that the person who receives the letter will not have his/her credit checked. (I didn't think to ask until I got off the phone about whether the person who receives the letter will, like a person who applies in-store/online, wind up with both a charge card and an Amex card or whether that person with a letter will have his/her charge card upgraded and the charge card will be automatically closed.) For those who do not currently have a charge card with Dillards, here is something important. That person on the application can check mark whether he/she wants to be considered for only the charge card or whether he/she wants to be considered first for the Dillards Amex card and then be considered for the charge card if he/she is not approved for the Amex card. If the person wants to be considered for the Amex card and is not approved, there will be a second credit pull for being considered for the charge card. When I mentioned that the online application is currently available by typing a "t" at the beginning of the website address and that does this mean that the online application portion of the website for the Dillards Amex card is still being tested and, therefore, not yet ready for people to use, she suggested to be on the safe side waiting to apply until this Thursday the 23rd. She said that she was told that the 23rd is officially when people can start applying online. Can people apply over the phone for the Dillards Amex card ? No, only instore or online. Since this person I reached tonight was very knowledgeable, after I got off the phone I wished that I would have thought of asking her if she had any specific information about when the second wave of letters are going to be sent. Unfortunately, my account has been inactive for only a year, so I won't be receiving one of these letters in this first wave. But I wonder what the specific qualifications will be for the second wave. Lastly, here is an application that you print and mail: https://twww.onlinecreditcenter2.com/Dillards/printer-friendly.html https://twww.onlinecreditcenter2.com/Dillards/Dillards_Printable_App.pdf
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AmEx Credit Card Offer for Small Businesses
Guest: rain Credit Expert (100+ Posts) Post subject: AmEx Credit Card Offer for Small BusinessesPosted: Thu Mar 30, 2006 7:02 am I'm surprised nobody here has posted this, lemme be the first Got this from fatwallet. http://www201.americanexpress.com/sbsapp/FMACServlet?request_type=hvshome&eep=6002&openvan=Open.com/premium/3cb&hvsoffer=3cb&dct=84 $250 statement credit. There are 4 cards there, each with the bonus. But make sure you're applying for the cash rebate card because that one is fee-free. Link to fat wallet discussion: http://www.fatwallet.com/t/52/595755/
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Guest: Board Monitor Board Monitor/ Administrator Posted: Thu Mar 30, 2006 9:23 am Wow! Looks like they are small biz cards, though. _________________ 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: rain Credit Expert (100+ Posts) Posted: Thu Mar 30, 2006 2:27 pm yeah small biz, but I think its not difficult to get the card? Many work as contractors or whatever. I was not approved immediately, but approved in 24 hours time. (15 month credit history). I used my own name as the company name.
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Guest: catalyst4christ Posted: Sun Apr 02, 2006 5:45 pm Anyone else applied for this? Is it worth it? I heard that AMEX business card doesn't pull anything and doesn't report either...is this true? D _________________ AMEX Blue Cash/Citi Dividend Platinum Select/Wells Fargo Platinum/Chase Cash Plus Rewards/Discover Classic/Capital One Platinum/GAP Card
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Apr 02, 2006 9:41 pm My company is far from SMALL
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Regal Entertainment Credit Card Offered by Chase (cont'd.)
Guest: bullwinkle29 Post subject: Regal Entertainment Credit Card Offered by Chase Posted: Sat Apr 01, 2006 2:35 pm i thought it was kinda neat. my wife and i go to the movies once a week. i dont care about the interest rate, only because we PIF monthly. we also get to double dip on this offer. here's why, the movie theater offers a FREE REWARDS CARD. you know just like safeway. that card also give you free popcorn, tickets. etc mife wife also has a Macy's credit card just for the special sales for card members. we also PIF monthly. the interest rate is high, just like most store cards.
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Guest: credithelp Credit Expert (100+ Posts) Posted: Sat Apr 01, 2006 7:42 pm I used to have the card and didnt keep it for very long. I wasnt a big spender so it never really added up to much. If you see a movie alot and spend alot on popcorn drinks and candy it may be worthwhile.
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Guest: fire3000 Posted: Sat Apr 01, 2006 8:51 pm For those math dummies out there, to earn 1,200 points at the rate of 4 points earned for every dollar spent at Regal theaters, requires only $300 in spending, not $3,000. If I had this card I would use it only at Regal theaters and use another cash back card (like from Chase or Citi) for other purchases. Movie tickets cost $6.50 or more, so getting one free for $300 in spending is equivalent to over 2 percent cash back. Not bad if you go to the Regal movie theaters often.
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Guest: nunya Posted: Sun Apr 02, 2006 2:19 pm fire3000 wrote: For those math dummies out there, to earn 1,200 points at the rate of 4 points earned for every dollar spent at Regal theaters, requires only $300 in spending, not $3,000. Op originally posted 12000 points instead of 1200 points, thus the confusion.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Apr 02, 2006 3:41 pm WHAT IS GOING TO A MOVIE????? How do you do that???????
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Guest: stilltrying Posted: Sun Apr 02, 2006 10:19 pm Thank you for the information, bullwinkle29. I like the card designs: "Scene Stealer" and "Opening Night". Here are the Terms & Conditions.
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Regal Entertainment Credit Card Offered by Chase
Guest: bullwinkle29 Post subject: Regal Entertainment Credit Card Offered by ChasePosted: Fri Mar 31, 2006 11:07 pm does anybody have this card? it issued by chase. i dont plan to use it except for going to the movies. you get free movie ticket every 1200 points, but when used at the movie theater, you earn 4 pts p/dollar. Last edited by bullwinkle29 on Fri Mar 31, 2006 11:34 pm; edited 1 time in total
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Guest: nunya Posted: Fri Mar 31, 2006 11:32 pm so you have to spend $3000 at regal cinemas before they give you ONE free movie ticket?!?!?!?! i don't think i have spent $3000 in an entire decade of watching movies!!!
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Guest: bullwinkle29 Posted: Fri Mar 31, 2006 11:35 pm ooppsss, its 1200 points, i corrected it in my 1st post
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Guest: nunya Posted: Sat Apr 01, 2006 12:25 am bullwinkle29 wrote: ooppsss, its 1200 points, i corrected it in my 1st post whew!!! haha, i was wondering if that was a mistake
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Guest: quiznut1 Posted: Sat Apr 01, 2006 2:19 am Just look at it this way, $3,000 at the typical 1% cash back rate (at the very least) is $30. I think that $30 will buy you more than 1 movie ticket, at least 2, if not 3 or 4. What a deal, eh? Of course it's obvious you should find another card to work for you if you visit the theatre that often.
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Guest: bullwinkle29 Posted: Sat Apr 01, 2006 12:42 pm quiznut1 wrote: Just look at it this way, $3,000 at the typical 1% cash back rate (at the very least) is $30. I think that $30 will buy you more than 1 movie ticket, at least 2, if not 3 or 4. What a deal, eh? Of course it's obvious you should find another card to work for you if you visit the theatre that often. check out the web site www.regalmastercard.com
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Apr 01, 2006 1:00 pm The link is interesting. There is a 0% for "up to" 12 months intro offer for balance transfers. You get 1 pt for every dollar spent but 4 points per dollar spent at affiliated theaters, including the online fandango site for advance ordering of tickets. 1200 points get you a certificate for $10 that you can use in the theaters--so that's about 2 movie tickets for a $300 outlay in the theaters. (Around here, the tickets are $5.50 each non-prime-time hours.) I'd say it's useful if you have a family that goes to the movies often and eats inside the theaters at the overpriced fattening concession stands. Heck, the 0% BT offer likely makes it worth applying for. I can't see using it for ordinary purchases, though. And if you have another card that gives a better movies discount, use that instead. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Discover Gas Credit Card Offer (cont'd.)
Guest: bullet875 Post subject: Discover Gas Credit Card OfferPosted: Wed Mar 29, 2006 8:11 am Yuk.I have too many cards as it is, but maybe I'll look into that in a couple of months and get rid of my Chase Cash rewards and Citi Dividend Card.
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Guest: db619196 Posted: Fri Mar 31, 2006 9:20 am I don't see the benefit in having a Discover Gas Card, when the Citi Dividend Card and Chase Cash Plus card are far more generous. And as far as I know, the Discover card is more difficult to get right? According to what I read online, you can earn a maximum of $60 in rewards from the 5% back rate (the 5% rate applies to the first 1200 dollars spent on gas). Then you go to the regular paltry reward tier. The Citi Dividend card allows you to earn $300 back per year on gas *and* grocersies, and delivers 1% on all purchases rather than the .25% Discover offers. I don't find Discover's cards that competetive in terms of rewards. I guess if you don't buy a lot of gas, and can't get other reward cards, this one works, but otherwise I think there are better cards on the market. David
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Fri Mar 31, 2006 10:29 am My current favorite gas card is the Hess VISA card. It gives a whopping 10% rebate for the first 90 days on all Hess purchases. After that it reverts back to the standard 5%. The downside is that the rebates are only applicable to future Hess purchases, but if you drive a lot this is not a problem _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: catalyst4christ Posted: Fri Mar 31, 2006 10:35 am I agree that there isn't any benefit of having the Discover Gas Card because most of the savvy credit card users have either the Citi or Chase 5% cards if not both, but I do like the Discover Card with the Get More promotions. Although the current one is like a gas card, some of the Get More promotions go into areas where we can't get 5% from other cards. For example, I paid for a brother-in-law's dental visit in February because he doesn't have insurance (he is paying me back) and also my wife's dental visit (20% that insurance that doesn't cover). Without that promotion, I would get 1% on a different card instead of the 5% I got from Discover. Also there was the internet purchases promotion last Christmas season and hopefully future ones will be hitting areas that aren't covered with other cards. D _________________ AMEX Blue Cash/Citi Dividend Platinum Select/Wells Fargo Platinum/Chase Cash Plus Rewards/Discover Classic/Capital One Platinum/GAP Card
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Mon Apr 03, 2006 6:21 am db619196 wrote: I don't see the benefit in having a Discover Gas Card, when the Citi Dividend Card and Chase Cash Plus card are far more generous. And as far as I know, the Discover card is more difficult to get right? According to what I read online, you can earn a maximum of $60 in rewards from the 5% back rate (the 5% rate applies to the first 1200 dollars spent on gas). Then you go to the regular paltry reward tier. The Citi Dividend card allows you to earn $300 back per year on gas *and* grocersies, and delivers 1% on all purchases rather than the .25% Discover offers. I don't find Discover's cards that competetive in terms of rewards. I guess if you don't buy a lot of gas, and can't get other reward cards, this one works, but otherwise I think there are better cards on the market. David You are correct on the gas limits. I do not kknow if Disc is harder to get. Since I will buy 1200 in gas in three months.....I think I;ll pick up the Citi Dividend too down the road. Thanks for the input _________________ Average FICO score: 709 Average FAKO score: 703 55 Months of perfection WOOOHOOOOOO !!!!!!!!!!!!
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Discover Gas Credit Card Offer
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