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Searching for Best Gas Credit Card Offer
Guest: TomfromCT Credit Expert (100+ Posts) Post subject: Searching for Best Gas Credit Card Offer Posted: Sun Apr 16, 2006 4:15 pm What do all of ya'll think are the best gas cards. I have the discover card...but the 5% back ends at $1200 in gas purchases. For me..thats about 3.5 months.' So I picked up the CitiBank Dividends Platinum Card. But I have yet to receive it so I can't coment on it yet. What other ones are out there and how are they? squeak _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Mon Apr 17, 2006 12:20 am Chase Cash Plus Card, 5 points per dollar, gas, grocery, and drugstore, 1 point per dollar on everything else, Cash out at 5,000 points for a $50 check Limit $300 per calendar year Chase Rewards Plus Card 5 points per dollar, gas, grocery, and drugstore, 1 point per dollar on everything else, Cash out at 10,000 points for a $100 check Limit 75,000 points per calendar year, 60,000 can be redeemed for cash ($600), the other 15,000 can be used for gift cards, etc...
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Guest: Board Monitor Board Monitor/ Administrator Posted: Mon Apr 17, 2006 11:48 am quiznut1, Greetings! Just a quick note to let you know that your account has been upgraded to "Expert Status"! Congrats! Feel free to brag to your friends/family members about your new found fame and thanks for your contributions to this fourm. I enjoy your posts. _________________ 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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Converting Chase Cash Plus Reward Credit Card to Chase Rewards Plus Credit Card
Guest: quiznut1 Credit Expert (100+ Posts) Post subject: Converting Chase Cash Plus Reward Credit Card to Chase Rewards Plus Credit CardPosted: Thu Apr 13, 2006 9:47 am I've referenced this in another post, but for those who currently hold the Chase Cash Plus Rewards card, you can convert your current Chase Cash Plus Rewards Card program to the new Chase Rewards Plus card program without much of an issue. There's no credit hit, it's just a change in their computer system. The programs are essentially the same, both are 5 points per dollar on gas, grocery and drug store purchases, and 1 point per dollar on everything else. I talked to a representative who told me that converting programs was possible, the only thing to keep in mind is that you can't bring any of the points you had from the Chase Cash Plus program into the Chase Rewards Plus program. However, this can be bypassed by redeeming exactly 5,000 points for a $50 check with the Chase Cash Plus program, putting your point balance at ZERO (0) and converting to the Chase Rewards Plus program. This is exactly what I will be doing with my Cash Plus card in about a month when I reach another 5,000 points. There are advantages of converting, because the Rewards Plus program has a yearly point limit of 75,000, compared to the Cash Plus program, which is only 30,000 points per year. Also, your points won't expire for 5 years under the Rewards Plus program, as compared to 3 years for the Cash Plus program. The only thing to keep in mind is that under the Rewards Plus program, you should not redeem your points for cash until you reach 10,000 (for a $100 check), because the other levels are 3,500 points for a $25 check, and 6,000 for a $50 check. Also, you can only redeem 60,000 points in a year for cash ($600). The other 15,000 points ($150) you can use for gift cards to selected merchants, so that is nice. Anyway, bottom line, if you have the Chase Cash Plus Card, you should convert to the Rewards Plus program because at the very worst, you can get another $300 to work with each year.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Fri Apr 14, 2006 7:27 am Good tips as usual quiznut! _________________ 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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Searching for Credit Card Offer to Rebuild Credit
Guest: krisstine2u Post subject: Searching for Credit Card Offer to Rebuild CreditPosted: Thu Apr 13, 2006 11:54 am Does anyone know where you can get a credit card that will assist you in re-establishing your credit that isn't a rip-off?
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Thu Apr 13, 2006 2:14 pm get a secured card from your local bank or credit-union
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Guest: Kajjers Posted: Thu Apr 13, 2006 7:41 pm I like Household Bank. Regular credit line increases and now owned by HSBC. They helped me a lot
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Guest: Board Monitor Board Monitor/ Administrator Posted: Fri Apr 14, 2006 7:21 am krisstine2u, Greetings and welcome to our board! Take a look here: http://www.cardratings.com/poorinfohome.html Good luck and let us know how things turn out... _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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American Express Gold Credit Card After Charge Off?
Guest: JoyJoy Post subject: American Express Gold Credit Card After Charge Off? Posted: Sun Apr 02, 2006 11:43 am [quote="BigDog"]Hey Joy Joy, Did Amex ask you to pay off the old balance you had before they gave you a gold card. I know someone (My sister) in a similar situation as you, but she was involved in a car accident 13 years ago and defaulted on her Amex along with everything else. She has regained her credit with Visa & MC, but has never even tried to approach Amex. They keep sending her gold card invitations to apply by mail, but she does not apply because she feels she will open a can of worms.[/quote] Hi Big Dog, My bills were charged off in 1987. I went back and paid every creditor (Amex yes) their money in 1988 when I received a lump sum benefit. One day in 1990 Amex sent me a pre-approved gold card offer and I accepted it. Have had no problems to date and was just approved for a CitiAmex on 3/24/06. I wish your sister well. _________________ 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: JoyJoy Posted: Sun Apr 02, 2006 4:32 pm For those interested in a first time online credit expert on consumer affairs from Experian go http://www.experian.com/ask_max/index.html _________________ 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: english rose Posted: Tue Apr 11, 2006 8:52 am I did pay off an amex account once, 10% of the balance and they wrote the rest off but this was in another country where i was living abroad. As long as my credit was clean they offered to give me a card. And they did. Now i am in the USA and I have no credit problems whatsoever. If i pay off the old acount now( i may owe 20k) from 1990 then will it jump start old info and cause me further pain with them? They were sending me gold account card pre aps recently i asked them to stop. I would like a card because I travel, and I use my debit card tied to my bank account for this, which is risky when travelling abroad, and its risky anyway because you expose your bank account every time you use a debit card. I dont even know the balance or any old info. if i did offer to make a good will in full payment ( not the full amount but something to purge it from their system)how long before i could reapply for another card with them? What is the risk of this showing up on my credit report now. They have stopped aksing me to pay anything towards the old balance long ago. its past the SOL. I also have perfect credit for my business in my business name, anyone know if i can apply there without this being discovered in their system? I know they will run my credit as well as my business. Did Amex ask you to pay off the old balance you had before they gave you a gold card. I know someone (My sister) in a similar situation as you, but she was involved in a car accident 13 years ago and defaulted on her Amex along with everything else. She has regained her credit with Visa & MC, but has never even tried to approach Amex. They keep sending her gold card invitations to apply by mail, but she does not apply because she feels she will open a can of worms.[/quote] Hi Big Dog, My bills were charged off in 1987. I went back and paid every creditor (Amex yes) their money in 1988 when I received a lump sum benefit. One day in 1990 Amex sent me a pre-approved gold card offer and I accepted it. Have had no problems to date and was just approved for a CitiAmex on 3/24/06. I wish your sister well.[/quote]
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Guest: english rose Posted: Fri Apr 14, 2006 5:37 am TomfromCT wrote: I'm close to 10 yrs post problems with AMEX..... I have asked this same question because I want another one. I have heard 20 years from others on this board. I have just received a discover card...so there blacklist isnt even 10 you years long... YOU WROTE 20 YREARS, HAVE YOU HAD ANY FURTHER INFORMATION ON THIS SUBJECT? I am considering calling them or writing and explaining why i defualted, but i am concerned that this might kickstart a wrote off account that is not on my credit file. if i offer to pay them an ex gratia payment to purge it off their files will this help? I did this in another country where i had an account and then they offered to give me a new
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Want a Second Chance for an American Express Credit Card
Guest: fenster Credit Expert (100+ Posts) Post subject: Want a Second Chance for an American Express Credit CardPosted: Sun Apr 02, 2006 1:08 am JoyJoy wrote: Suggestions: (1) It wouldn't hurt to send a certified letter to the manager's attn at Amex Credit Card Operations explaining what happened years ago and that you would like another chance to prove your creditworthiness. Chit happens. Advice like this is tantamount to encouraging Barry Bonds to speak out on the benefits of steroids and pugnacious attitude in Baseball. Sending a lame letter like this to Amex will gain you one of two outcomes: the harmless one is they’ll use it in lieu of toilet paper, the more serious outcome is they’ll come after you again through third parties for your misguided audacity. _ Wow, a “certified” fiddle tale at that too. What da fart is so special about Amex any how? Most of their cards are PIF and have annual fees. Everything they’ve to offer in the rewards dept can be matched and exceeded by Visa, MC and Discover at lower costs. Try usin’ Amex out of the country and endure surcharges along with hysterical laughs at ya. And Citibank? Good memory? Citibank has the memory of Ronald Reagan during the Iran – Contra scandal. Paleeeeease! Default with Citi yesterday and they’ll give you 2 cards tomorrow, they’re senile. But Amex and Macy’s will remember your grand grand children. _________________ beware of everything
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Guest: JoyJoy Posted: Sun Apr 02, 2006 9:31 am [quote="fenster"][quote="JoyJoy"]Suggestions: (1) It wouldn't hurt to send a certified letter to the manager's attn at Amex Credit Card Operations explaining what happened years ago and that you would like another chance to prove your creditworthiness. Chit happens.[/quote] Advice like this is tantamount to encouraging Barry Bonds to speak out on the benefits of steroids and pugnacious attitude in Baseball. Sending a lame letter like this to Amex will gain you one of two outcomes: the harmless one is they’ll use it in lieu of toilet paper, the more serious outcome is they’ll come after you again through third parties for your misguided audacity. _ Wow, a “certified” fiddle tale at that too. What da fart is so special about Amex any how? Most of their cards are PIF and have annual fees. Everything they’ve to offer in the rewards dept can be matched and exceeded by Visa, MC and Discover at lower costs. Try usin’ Amex out of the country and endure surcharges along with hysterical laughs at ya. And Citibank? Good memory? Citibank has the memory of Ronald Reagan during the Iran – Contra scandal. Paleeeeease! Default with Citi yesterday and they’ll give you 2 cards tomorrow, they’re senile. But Amex and Macy’s will remember your grand grand children. [/quote] Well "Dear" it worked for me when I was diagnosed with Multiple Sclerosis while working as a court reporter and was behind with Amex for a few years. I am proud to say I have a $10,000.00 credit limit with CitiAmex now and a Preferred Amex Gold Rewards card with no limit because I was "too chicken" to ask them to give me a chance to prove my creditworthiness again. I have no argument with you nor I'm sure Barry Bonds and Citibank could care less about your opinions either. What's that? You have a beef with Citibank? As if they care!! LOL Do nothing and your result will be nothing!!! _________________ 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: fenster Credit Expert (100+ Posts) Posted: Sun Apr 02, 2006 10:02 am JoyJoy wrote: Well "Dear" it worked for me when I was diagnosed with Multiple Sclerosis while working as a court reporter... What's that? You have a beef with Citibank? As if they care!! LOL Do nothing and your result will be nothing!!! I’d like you to call me “dear” from now on, makes the board all the more tender. Very well then, if the action you propose bears fruit, let the belated letter writing begin after 10 years of neglect. My bad. I’ve one slight observation though, for someone who worked in a learned medium, your comprehension skills don’t do your past vocation justice. Read my above post again, and tell me where I implied I have a problem with Citibank. To the contrary, I love Citibank, they never punish you when you’ve faced past hardships. They’ve a short memory as aforementioned. What’s that? That is the problem with your comprehension “dear”. _________________ beware of everything
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Guest: JoyJoy Posted: Sun Apr 02, 2006 10:57 am [quote="fenster"][quote="JoyJoy"] Well "Dear" it worked for me when I was diagnosed with Multiple Sclerosis while working as a court reporter... What's that? You have a beef with Citibank? As if they care!! LOL Do nothing and your result will be nothing!!![/quote] I’d like you to call me “dear” from now on, makes the board all the more tender. Very well then, if the action you propose bears fruit, let the belated letter writing begin after 10 years of neglect. My bad. I’ve one slight observation though, for someone who worked in a learned medium, your comprehension skills don’t do your past vocation justice. Read my above post again, and tell me where I implied I have a problem with Citibank. To the contrary, I love Citibank, they never punish you when you’ve faced past hardships. They’ve a short memory as aforementioned. What’s that? That is the problem with your comprehension “dear”. [/quote] No past vocation here. Still among the ranks. See there are people who will allow you to come back whether credit cards or employment. Yes you are right.....Citibank does allow you chances just like Amex. There was something positive in your post. I just overlooked it. _________________ 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: BigDog Posted: Sun Apr 02, 2006 11:20 am Hey Joy Joy, Did Amex ask you to pay off the old balance you had before they gave you a gold card. I know someone (My sister) in a similar situation as you, but she was involved in a car accident 13 years ago and defaulted on her Amex along with everything else. She has regained her credit with Visa & MC, but has never even tried to approach Amex. They keep sending her gold card invitations to apply by mail, but she does not apply because she feels she will open a can of worms.
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Merchant Fees for American Express Credit Cards
Guest: BigDog Post subject: Merchant Fees for American Express Credit CardsPosted: Sat Apr 01, 2006 12:59 pm Now those are name calling (dead beat) fighting words. But, I agree with Tom. Everyone deserves a second chance if it is merited. I don't have an Amex card, because I owned a restaurant a few years back and the more business I gave Amex the more there fee went up. I really didn't like the way this company treated there merchants. I know it doesn’t matter much to Amex, but I decided not to carry there card.
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Guest: cubscout Posted: Sat Apr 01, 2006 6:45 pm I was a second card holder on my uncles Gold Amex card about 15 years ago. I used the card only once. He later filed bankruptcy and Amex noted my account that the card was a charge-off due to bankruptcy ON MY CREDIT REPORT. Last year, 14 year after the my uncles bankruptcy, I received an offer in the mail from Amex for a Gold Rewards Card. I took it and love it. So I guess my experience is that they will forgive you, but can take a long time! Good luck!
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Sat Apr 01, 2006 7:58 pm I found this public posting on another board: I represent one of those customers who had happy long term relationship with Am Ex. I even understood the cancellation of my account, which had no late or missing payments, and nothing due or owing at the time of cancellation. However, denying me an account now, twelve years later because of that cancellation, seems wrong, and harsh. Their loss not mine. _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Sat Apr 01, 2006 8:30 pm More frm another: I am about to start a new job where my employer is planning to issue me a Amex card. I applied for an Amex card to see if all was fine. Well, I was declined for the reason that "Amex cancelled a previous account". I contacted Amex and learned, that I had a card which was cancelled in 1982. Amex states, that I should pay the owed amount of little over $ 3.000 to get that records "purged". They have no more data or records to back up that claim. Also, they have no clue, if the card number was misused by a third party after that account was closed. I do not remember owing them anything at all. I suspect that I might have owed them perhaps a small amount after the account was closed (by me) and that this amount has grown after 20 years (late fees, third party fees, interest and finance charges etc).The funny thing is, that I never heard from Amex regarding this issue until I applied for a card several days ago. Also, there is nothing on my credit report. The question is: should I pay this (full ?) amount to Amex? Also, would Amex really consider me for a card after having paid that old debt? I just dont want my employer to get a message from them saying:...."we cant issue a card to that employee" - _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Sat Apr 01, 2006 8:51 pm amexsux.com its an interesting website. Lookis like i am Never getting an amex card again _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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How long does AmEx and CitiBank Credit Cards keep records?
Guest: BigDog Post subject: How long does AmEx and CitiBank Credit Cards keep records?Posted: Sat Apr 01, 2006 1:56 am I don't have an AMEX card, but I have been told that AMEX and Citibank keep records for a long time. How long that time is - I don't know. Great question if someone out there could answer it?
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Guest: squeezenickle Posted: Sat Apr 01, 2006 11:26 am Why would amex give known unrepenant deadbeats another card?
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Sat Apr 01, 2006 11:42 am squeezenickle wrote: Why would amex give known unrepenant deadbeats another card? I hope you never know the pain of losing a job due to a corporate buy out and sell off. I hope you never know the pain of piled up suffocating medical bills. _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: JoyJoy Posted: Sat Apr 01, 2006 12:35 pm Suggestions: (1) It wouldn't hurt to send a certified letter to the manager's attn at Amex Credit Card Operations explaining what happened years ago and that you would like another chance to prove your creditworthiness. Chit happens. (2) Citibank has now joined the ranks with Amex and you may find an offer there at citi.com I wish you well. _________________ 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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Should I apply for an American Express credit card?
Guest: english rose Post subject: Should I apply for an American Express credit card?Posted: Fri Mar 31, 2006 12:18 pm i defaulted on a green amex card some 10 yrs or more ago. anyone know how long you stay on the black list. i applied for a card recently and was told that i had a card before with a balance left on it. Is it any use trying to pay a token payment to them to close this off their list? if i did this then would this set me back from getting a card and if so for how long. This account is no longer even showing on my credit file.
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Guest: JoyJoy Posted: Fri Mar 31, 2006 12:24 pm Do you know anyone who has an Amex card who would allow you to become an authorizer user on their card? The Statue of Limitations has passed on that old Amex card. Some say go back and pay it and some say you will stir up old charges by paying the balance and that you will cause the Statue of Limitations to start again. Amex have charged it off as a bad debt. _________________ 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: english rose Posted: Fri Mar 31, 2006 12:41 pm JoyJoy wrote: Do you know anyone who has an Amex card who would allow you to become an authorizer user on their card? The Statue of Limitations has passed on that old Amex card. Some say go back and pay it and some say you will stir up old charges by paying the balance and that you will cause the Statue of Limitations to start again. Amex have charged it off as a bad debt. no no i know its been charged off which is the point, amex doesnt report it to the burreaus any longer, but when you apply they know on their internal systems that you have defaulted on an old card and they decline you again. so unless you get off their INTERNAL black list you never will get another card from american express. any idea how long this list hangs around within amex?
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Fri Mar 31, 2006 5:58 pm I'm close to 10 yrs post problems with AMEX..... I have asked this same question because I want another one. I have heard 20 years from others on this board. I have just received a discover card...so there blacklist isnt even 10 years long... _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Credit Card Offers with 0% APR and Cash Back Rewards
Guest: evertd Post subject: Credit Card Offers With 0% APR and Cash Back RewardsPosted: Wed Apr 12, 2006 2:14 pm The credit card companies must be getting desperate. I received two offers last week that offered a cash reward. One from Citibank with 0% APR and $100 gift card, another from AMEX with $50 gift card. Has anybody taken them up on an offer like that? _________________ Evert DuToit Credit Card Guide
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Apr 12, 2006 8:31 pm Sure. I take 'em up on offers like that every chance I get. Why wouldn't I? Why wouldn't you? _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: creditbuilder Posted: Thu Apr 13, 2006 2:43 pm Discover 0% for 15 months on purchases and 0% for life on bt's with $20 cashback. Does Discover give the 0% for life bt offer to existing cardholders. I don't have a discover card and I want one, but I don't have a balance to transfer right now, and would like to take advantage of that offer sometime in the future.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Thu Apr 13, 2006 5:22 pm One of my coworkers got the 0% for life on a retention offer when closing an existing card, but she didnt take it. They probably targeted her though since she carries a balance.
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CitiCard Credit Card Cash Back Rewards Question
Guest: cameron Post subject: CitiCard Credit Card Cash Back Rewards Question Posted: Wed Apr 12, 2006 3:30 pm I have been hearing that citicard often will only give you 1% rather than 5% at stores, gas, and drugs unless you check closely and call them. Is that true?
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Guest: beyond platinum Credit Expert (100+ Posts) Posted: Wed Apr 12, 2006 5:30 pm This happened to me after having the card for 3 months but I'm positive it doesn't happen to everyone. I simply sent Citibank an email about the problem and the bonus cash was credited for the 3 months. Also, you will always earn 1% on everything including gas, grocery, and drugstore purchases but the bonus 4% is credited when your statement ends. It usually takes about one to two statements for the bonus to materialize. I strongly recommend this card despite my experience. _________________ "Believe not everything, but only what is approved: the former is foolish, the latter the act of a sensible man." --Democritus
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Guest: Board Monitor Board Monitor/ Administrator Posted: Thu Apr 13, 2006 8:10 am cameron, Greetings and welcome to the board! You get the 5%, but only at stand alone places. Best idea is to check your statement carefully every month and "do the math" yourself. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter! Last edited by Board Monitor on Fri Apr 14, 2006 7:24 am; edited 1 time in total
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Thu Apr 13, 2006 9:17 am Don't forget, there's the Chase Rewards Plus card, which is also 5% on gas, grocery, drugstore, 1% on everything else, but gives you a $600 yearly rebate limit, as compared to the Citi Dividend and Chase Cash Plus, which each have a $300 yearly limit. The structure of the Chase Rewards Plus is a little different. It's a points system, 5 points for every dollar at gas stations, grocery stores, drugstores, and 1 point per dollar on everything else. You shouldn't cash out however until you reach 10,000 points for a $100 check (a $25 check is redeemable at 3,500 points and a $50 check is redeemable at 6,000 points, hardly worth it). You can earn 75,000 points in 1 year, but can only redeem 60,000 of those points in a year for cash ($600). The other 15,000 points ($150) you can use for gift cards to selected merchants, which is nice. As soon as I reach exactly 5,000 points with my Chase Cash Plus Rewards card, I'm going to convert my Cash Plus program to the Rewards Plus program, due to the higher yearly limit on points (Cash plus is 30,000 per year, Rewards Plus is 75,000 points per year). Also, under the Chase Cash Plus Rewards program, points expire after 3 years, with the Chase Rewards Plus program, points expire after 5 years.
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Guest: heavyjay Posted: Thu Apr 13, 2006 9:48 am Board Monitor wrote: cameron, Greetings and welcome to the board! You get the 5%, but not only at stand alone places. Best idea is to check your statement carefully every month and "do the math" yourself. True story: I used my Citi DR for a $10 purchase in a liquor store and got bonus points. On my statement, the bonus points were under the category "health care". _________________ Jay
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Thu Apr 13, 2006 10:31 am quiznut1: a warning on chase. I got the runaround recently on converting to a different rewards program. It didnt get converted and I called and they said that they didnt have a record of it. They have told me twice that you lose your rewards balance at the change, too. Almost easier to sign up for a new card. I probably will complain about it and see if I can get some bonus points.
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Thu Apr 13, 2006 11:00 am maddybeagle, if you reference a recent subject I started, I covered the fact you would lose the points converting to another program. That's why I said "exactly" 5,000 points, because that is my plan. Cash out when I have exactly 5,000 points to the new Rewards Plus program. I will make sure they accurately change it however. I'm sorry to hear about the no record of change. Thanks again.
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Searching for Chase Rewards Credit Card Website
Guest: DWH Post subject: Searching for Chase Rewards Credit Card WebsitePosted: Wed Apr 12, 2006 5:49 am What is the link? I lost all of my favorites. I serached here but could not find it, and searched teh web and came up with nothing. TIA
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Wed Apr 12, 2006 6:48 am https://www.choosemyrewards.com/ASP/CustomerLogin.asp
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Guest: DWH Posted: Wed Apr 12, 2006 8:57 am maddybeagle wrote: https://www.choosemyrewards.com/ASP/CustomerLogin.asp Thanks
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Questions Regarding American Express Blue Credit Card
Guest: wyld Post subject: Questions Regarding American Express Blue Credit CardPosted: Fri Apr 28, 2006 11:40 am hi, i've just recently been approved for an amex blue card to help get my finances managed again and i had a few questions i hope could be answered. i've had one credit card before this one and my limit was $500 for a loooong time, and i always paid in full (i've recently increased the limit to 2k). anyway, the blue card gives me 0% APR for 6 months and 4.99% APR on BT for the life of the balance. i have a little over 1k on my other card which has a 11.99 APR and was thinking about transferring it to my blue card. will the transfer fall under the 0% APR for 6 months? also, how does the 0% APR for 6 months really work? does that mean i can not pay anything for 6 months and then pay it all off at the end without any repercussions? or should i pay the minimum (not sure what that will be). will not paying or paying just the minimum during the 0% period ruin my credit score? i'm in a little debt right now and i was just hoping to use the 0% APR to help while i save up. thanks in advance!
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Guest: fitz75 Posted: Fri Apr 28, 2006 11:47 am The balance transfer will fall under the 4.99% APR. New purchases will fall under the 0% APR. Be aware though if you balance transfer say 1k then make 3k in purchases, your payments will go to the BT first. Which is fine for the first 6 months, but once that time has passed the APR will go to normal. You sill still have min payments due on the 0%. If you pay the min your credit score shouldn't be affected. If you don't pay the min your credit score will feel the pain.
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Guest: wyld Posted: Fri Apr 28, 2006 11:59 am thanks for the reply fitz75. too bad balance transfers don't count for towards cash back. any idea what the min payment is usually for blue? i forgot to pay a $40 bill on my other card and my next statement said $40.84 with a $40 min payment. i hope blue doesn't require a min of that much.
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Guest: fitz75 Posted: Fri Apr 28, 2006 12:01 pm My min payment for a 2,500 balance from a bt is 52 bucks. Not sure if there is some forumla for figuring out min payments. I am sure someone on here knows how its done.
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Guest: wyld Posted: Fri Apr 28, 2006 12:29 pm are there any fees other than the APR if you don't pay in full monthly? i read something about a late payment fee which i don't understand. i just figured out my other card's repayment term for an outstanding balance is 2% or $20 (whichever is greater). so for my $1000, would it be better to keep it on the current card or move it to blue?
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Guest: fitz75 Posted: Fri Apr 28, 2006 4:44 pm Whats the APR on your other card? If its more than 4.99% then I would do the BT personally. 52 bucks is about 2% of the 2500 balance, so its probably similar. If you make your min payment on time, then you wont pay a late payment fee.
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Chase Credit Card Application Process
Guest: bullet875 Credit Expert (100+ Posts) Post subject: Chase Credit Card Application ProcessPosted: Wed Apr 26, 2006 10:10 pm Or do you always have to speak to a live person? Even though they've been nice, I'm just wondering because I'd rather listen to a recording than talk to a live person about an application.
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Wed Apr 26, 2006 10:20 pm the number is 888-338-2586 that's for CHASE. just need to enter SS#
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Guest: bullet875 Credit Expert (100+ Posts) Posted: Wed Apr 26, 2006 10:22 pm Thanks!
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Wed Apr 26, 2006 10:24 pm hey, bullet, your a credit expert w/100 plus post?? it only shows 20.. LOL, i think you need to have the board monitor correct that too.
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Guest: bullet875 Credit Expert (100+ Posts) Posted: Wed Apr 26, 2006 10:38 pm Long story....the Free Bullet thread explains it all..lol
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Guest: arahad06 Credit Expert (100+ Posts) Posted: Wed Apr 26, 2006 10:39 pm it doesn't matter if it says credit expert...it says i am one...hehe we all know that i am NOT
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Guest: jlrdc909 Posted: Sat Apr 29, 2006 11:44 am It took nearly 3 weeks to get approved by Chase.
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Approved for HSBC Platinum Credit Card
Guest: gsr Post subject: Approved for HSBC Platinum Credit CardPosted: Tue Apr 25, 2006 7:13 pm I recently applied for a hsbc cash back card, and i got a email from them saying i got approved for a hsbc platinum card. Can they do that? I also saw a pull from orchard bank on the same day as when i applied for the hsbc card. I did not apply for the orchard bank card, but i assume they did it anyway with my other application. Can they do that? _________________ 4 Months of credit = Citi Mtvu Student Citi Dividend Student Bank of America Platinum Student Hsbc Platinum Select
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Tue Apr 25, 2006 7:39 pm Most cc issuers have some fine print somewhere that say if you do not qualify for the applied for card that they may use your application for other products they offer. Orchard pull.... was it hard or soft? _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: gsr Posted: Tue Apr 25, 2006 7:47 pm I should have read the fine print then =(, it was a hard pull from experian. Funny thing is i checked orchard's application status it says approved for the same amount as the hsbc, but i have received nothing from orchard. Makes me think if they only gave me the hsbc one and leaving me with a hard pull with no orchard card. _________________ 4 Months of credit = Citi Mtvu Student Citi Dividend Student Bank of America Platinum Student Hsbc Platinum Select
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Guest: arahad06 Credit Expert (100+ Posts) Posted: Tue Apr 25, 2006 9:30 pm orchard is affliated with hsbc...i think? orchard did the same thing to me...i applied for something and got something else...blur!
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Guest: jlrdc909 Posted: Sat Apr 29, 2006 11:46 am Always read your applications. Any credit card issuer can offer you one product, but then if you do not qualify, can switch you to the next product for which you qualify. Its kinda like being invited to a champagne brunch, but settling for the wine.
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Annual Fee on American Express Platinum Credit Card
Guest: Rigavi Post subject: Annual Fee on American Express Platinum Credit CardPosted: Sat Apr 29, 2006 12:33 pm Hello! Some credit card companies with an annual fee charge the aforesaid charge monthly. Does anybody know if American Express charges their annual fee on a monthly basis? Thank you!
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Apr 29, 2006 8:30 pm Quote: "Rigavi" Hello! Some credit card companies with an annual fee charge the aforesaid charge monthly. Does anybody know if American Express charges their annual fee on a monthly basis? Thank you! MONTHLY??? NEVER YOU PAY $395 ON THE FIRST STATEMENT There is a very slight chance it won't show till statement #2
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No Credit Line Increase for my Capital One Credit Card
Guest: TomfromCT Credit Expert (100+ Posts) Post subject: No Credit Line Increase for my Capital One Credit CardPosted: Wed Apr 26, 2006 7:13 am Ok, We all know CAP 1 is tough on CL increases. I have taken the approach in the past of charging ALOT and paying it off to the point where I charge much more than my CL but pay online so I am never above my CL at any one point. Alas, nothing - no increase. So now, I just sent them a check for the balance and I am sock drawer-ing the card for 9 months to see what happens. _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: fitz75 Posted: Wed Apr 26, 2006 8:27 am I just got a Cap 1 card a month ago and was already offered a 500.00 for using it and paying it on time for 3 months. Does Cap 1 consolidate cards? If so you may try to get another. I'm about to head over to Korea in the fall. Since Cap 1 doesn't charge foreign currency fees, I will probably use it for a bulk of my purchases over there.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Apr 26, 2006 10:21 am Quote: I'm about to head over to Korea in the fall. Since Cap 1 doesn't charge foreign currency fees, I will probably use it for a bulk of my purchases over there. Good idea! Let us know how that turns out for you. _________________ 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: TomfromCT Credit Expert (100+ Posts) Posted: Wed Apr 26, 2006 10:23 am Fitz...I have heard of the three month increase with cap 1.... gettting one after that isn;t so easy tho. _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Guest: fitz75 Posted: Wed Apr 26, 2006 10:44 am Cap 1 set me up with a pretty good credit line on the first card. They also keep sending me more invites for their lowes card and another platinum MC. I was debating grabbing another Cap 1 before I head off. I have 2 years in Korea and will be shooting for 3 years in Japan after that. [quote="Board Monitor"]Good idea! Let us know how that turns out for you.[/quote] Will definitely keep you guys updated
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Guest: jlrdc909 Posted: Sat Apr 29, 2006 11:54 am Capital One is one of the strangest issuers I know. I had 2 of there cards, with good credit, in the past 5 years of having the card, I never got a CLI, however a friend of mine who defaulted on their card years back, received one with a 7500 starting limit, GO FIGURE!
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Guest: tb33 Posted: Sun Apr 30, 2006 8:17 am [quote="fitz75"]Cap 1 set me up with a pretty good credit line on the first card. They also keep sending me more invites for their lowes card and another platinum MC. I was debating grabbing another Cap 1 before I head off. I have 2 years in Korea and will be shooting for 3 years in Japan after that. [quote="Board Monitor"]Good idea! Let us know how that turns out for you.[/quote] Will definitely keep you guys updated[/quote] I thought Lowes was issued by GEMB?
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Guest: fitz75 Posted: Sun Apr 30, 2006 8:26 am The Lowes apps I get in the mail say Cap 1, but you cant apply online for the card. You gotta call a 1-800 number. The card is a Cap1 plat visa.
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Credit Card Account Closed Due in Inactivity
Guest: okokok Post subject: Credit Card Account Closed Due in InactivityPosted: Sat Apr 29, 2006 8:58 am First post here, seems like a nice place to vent. So I read the posts and like everyone else, I am looking for the most advantageous use of credit cards. After all they are taking from "us", using credit cards to a financial advantage when "we" can seems attractive. Like many have suggested, using the "don't ask, don't get" line of thinking, I pulled out my Exxon/Mobil gas cards that I haven't used in a year or two. I confirmed that the cards weren't expired, then I called customer service using the 800 number on the back of the cards. These aren't Visa or M/C, just "gas cards". We also have our speedpass keychain devices. So I explain to the customer service rep that Chase currently rebates our fuel purchases automatically by crediting 5% to our next statement without a request. I question if Exxon/Mobil offers any rebates that would sway me to start using their cards/speedpass again. The lady politely tells me that due to inactivity, my current UNexpired cards/speedpasses are no longer valid and I would have to RE-apply to be able to use them. Additionally, they currently do not offer any gas rebates. Thank You Exxon/Mobil, as a customer/cardholder for over 10 years, I don't think I will be re-applying for anything, nor will I be Patronizing your stations unless absolutley necessary. Before anyone posts that I won't have any effect on such a huge oil god, I would say that it's still my choice as to where my money is spent. Thanks for sharing and letting me vent on this interesting board. ok
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Guest: jlrdc909 Posted: Sat Apr 29, 2006 11:39 am I think a good first question when applying for credit cards is "How much or how often will I be using this card?" I remember 10 years ago, the world of credit cards was very "bland" to put it mildly, no frills/rebates, etc. Now, with the industry heating up and more cards with more perks to choose from, cards that have no benefits/rebates are being kicked to the curb. Its always smart to use each card, at least once every six months, this way, inactivity flags do not appear on your account. The only down side I can see, is that you have 10 years of credit history that will be closed, and it might show up "Closed by credit grantor". GE Money Bank is the issuer of Mobil/Exxon, but they also handle Macy's, JC Penney and Walmart/Walmart Discover. Life will go on
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Sat Apr 29, 2006 6:01 pm [quote="jlrdc909"]I think a good first question when applying for credit cards is "How much or how often will I be using this card?" I remember 10 years ago, the world of credit cards was very "bland" to put it mildly, no frills/rebates, etc. Now, with the industry heating up and more cards with more perks to choose from, cards that have no benefits/rebates are being kicked to the curb. Its always smart to use each card, at least once every six months, this way, inactivity flags do not appear on your account. The only down side I can see, is that you have 10 years of credit history that will be closed, and it might show up "Closed by credit grantor". GE Money Bank is the issuer of Mobil/Exxon, but they also handle Macy's, JC Penney and Walmart/Walmart Discover. Life will go on [/quote] does it really matter if it says who it was closed by as long as it shows, ON-TIME PAYEMENTS for those 10 years??. i have one card that shows closed by grantor, due to the bank was sold. i did not want the new card from the bank b/c the terms and cond sucked.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Apr 29, 2006 8:33 pm WAL*MART is now #2 EXXON/MOBIL is #1 (not that I have either station here)
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Guest: gsr Posted: Sat Apr 29, 2006 9:42 pm i never liked ge money bank, they handle things very badly. ( Ie, losing my application multiply times) _________________ 4 Months of credit = Citi Mtvu Student Citi Dividend Student Bank of America Platinum Student Hsbc Platinum Select
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Sun Apr 30, 2006 8:27 am Quote: The lady politely tells me that due to inactivity, my current UNexpired cards/speedpasses are no longer valid and I would have to RE-apply to be able to use them. Sounds like closed due to inactivity. Open one of the many 5% gas rebate cards and be done with it.
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Pre-Approved Credit Card Offer from Chase
Guest: Arcangel79 Post subject: Pre-Approved Credit Card Offer from ChasePosted: Sat Apr 29, 2006 9:24 pm I was wondering how long it usually takes for Chase to approve a "pre-approved" offer. I responded to an offer by going to the web address given and filling out the application. I was informed that I would receive written word of their decision in 30 days. I called the # given on the offer statement and received the same message after choosing the "check application status" option. My question is: Does this most likely mean that I was denied? I know my scores are in the 670-700 range. Also, I just received an alert from equifax that there was an inquiry posted to my file. I assumed that it would be Chase, but it was First USA Bank. I did opt for the "first protect" program when filling out the application; could this inquiry be associated with that? or should I contact Equifax (as I have not applied for any First USA Bank credit cards). Any responses would be greatly appreciated.
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Guest: gsr Posted: Sat Apr 29, 2006 9:41 pm First usa is chase, and just be patient. Wait a couple of days. _________________ 4 Months of credit = Citi Mtvu Student Citi Dividend Student Bank of America Platinum Student Hsbc Platinum Select
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Sun Apr 30, 2006 12:33 am you should get a card in 3-4 weeks. my scores are in the high 600's low 700's. i was approved for $5k. just be patient
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Guest: creditnewbie Credit Expert (100+ Posts) Posted: Sun Apr 30, 2006 10:01 am I applied for Chase flexible rewards visa signature. Didn't get an instant approval online but the application got approved the following day I think. I called the same 800# and checked the status. It only indicated that I should be receiving my card within 7-10 days. However, I was away for almost 3 weeks and when I came back home, the card was in my mailbox with $17,600 revolving limit so I don't really know exactly how long it takes to receive the card.
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RBS Centura Credit Card Online Payments
Guest: quiznut1 Credit Expert (100+ Posts) Post subject: RBS Centura Credit Card Online PaymentsPosted: Sun Apr 30, 2006 12:11 am Edit: See below Last edited by quiznut1 on Sun Apr 30, 2006 12:15 am; edited 1 time in total
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Sun Apr 30, 2006 12:15 am Quote: Only thing I would caution (take with salt) RBS unless anything has changed in the last 5 years, has no online site unless you have more than a credit card, and you can't make an online payment. I had a RBS Centura card from years ago, and had repeated problems with them "receiving" my check. I checked the Application FAQs, found Here, and I quote: Q. Can I manage my account online? A. Yes. Simply enroll in Online Account Access. You can see recent and past transactions, pay your credit card bill, check balances and more online. Enrollment is free. So, it is a thing of the past tony. All credit cards these days seem to have online account access. [/url]
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Guest: tonygoldston Posted: Sun Apr 30, 2006 8:29 am Thanks quiznut1 I haven't checked RBC in a while. I was down in NC back in the mid-late 90s and had a Centura Bank account in which I got a RBC Credit Card Travel Rewards in three years they totally redid the reward levels which I didn't like, and then I had multiple problems with them processing my payments on time. Mailed a check a week before the due date, but they didn't receive it until 2 days after the due date. Once I can chalk up to the Postal service, but 3 in 6 months I don't buy it. When I left NC, I closed the checking and savings account and lost all online access for the credit card. So it was a miserable experience. If they had left the reward structure the same I would have dealt with it, but not worth it for what I was getting. Glad to see they are catching up with the rest of the companies and coming out with a reward card that is worth it again. I may have to look at giving them another chance. tony
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Guest: cameron Posted: Sun Apr 30, 2006 11:51 am Theres a long thread about this card on fat wallet. It looks like you need an invitation code to get this card, and they may give you a different card without the code. http://www.fatwallet.com/forums/messageview.php?start=0&catid=52&threadid=486830
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