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American Express Delta Credit Card Credit Line Increase
Guest: torbotek Post subject: American Express Delta Credit Card Credit Line IncreasePosted: Mon May 01, 2006 8:50 pm Hi all! I just opened an Amex Delta card and was given a 2000.00 CL ( I was hoping to get 5000 CL) . When I applied I did a transfer balance for 1200.00. Is there a way I can have the credit line increased? I have not received the card yet and I read somewhere in this board that you can call Amex before activating your card for a CL increase. Any help or suggestion or previous experience w/ my plan is very much appreciated. what do i tell the Amex people when I give them a call? Thanks! by the way, my Fico is 677 when i last checked it last week. Thanks again.
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Guest: fitz75 Posted: Mon May 01, 2006 9:10 pm You can always just call customer service and ask for a CLI when you activate it. Or you can also just register online and use the AmEx luv button (request credit limit increase). My Delta card came with a 2,400 credit limit, I hit the button and it went up to 8,800.
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Guest: torbotek Posted: Tue May 02, 2006 7:33 pm What do I tell the costumer rep? How do you guys do it aside from the credit increase button online>? THANKS!
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Guest: QikPass Credit Expert (100+ Posts) Posted: Tue May 02, 2006 7:54 pm Good Day, My name is Torbotek, and I received your card. The limit is a bit lower than i expected. Am I preapproved for a limit increase? Its THAT simple. Good Luck. _________________ Fortune Favors The Bold...
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Gift Cards Purchased With 5% Cash Back Credit Cards
Guest: stevejk Credit Expert (100+ Posts) Post subject: Gift Cards Purchased With 5% Cash Back Credit Cards Posted: Tue May 02, 2006 8:50 am Publix sells gift cards for department stores (Sears, Kohls, Bed Bath and Beyond) and restaurants, et al. Albiet not other grocery stores, of course, but they sell them at face value. With the 5% cash back at grocery stores, that means get 5% cash back on non-grocery gift cards too. I'll consider swinging by Walgreens and CVS to see what they have available.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Tue May 02, 2006 12:26 pm I have done this before on my citi dividend card (bought give cards at supermarket) and got the 5% back. You have to be careful since some of the gift cards expire in 2 years.
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue May 02, 2006 4:33 pm Some cards charge a monthly fee if they're not used (but generally the fee is waived for the first six months or a year). In California, gift cards NEVER expired--there's a state law forbidding it. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Tue May 02, 2006 7:20 pm safeway in ca charges face value. the only ones that have a fee are the pre-paid visa/amex/m/c. they have store cards for home depot, olive garden, cheese cake factory, sears, chilles (but good for several others too), etc, they sell gift cards for about 50 different chains. safeway probably sells them, b/c they get a cut from those gift card companies
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Credit Card Offer with 5% Cash Back Bonus
Guest: bullwinkle29 Credit Expert (100+ Posts) Post subject: Credit Card Offer with 5% Cash Back BonusPosted: Mon May 01, 2006 5:19 pm here's the deal. any card that gives 5% cash back at supermarkets, you buy gift cards for the other stores such as rest. home depot, etc. if you are going to home depot, stop at safeway and buy a gift for whatever dollar amount you're going to spend there. now you get 5% cash back since you made the purchase at the supermarket. most supermarkets now days sells gift card for other stores. it works for me, but it's annoying sometimes.
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon May 01, 2006 6:55 pm Don't the supermarkets charge a premium for the gift cards? In other words, are you charged $25.00 for a $25 gift card--or more? And if more, how much more? Doesn't that premium eat into your 5% bonus? _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Tue May 02, 2006 1:08 am wow, that is bold. Isn't selling a competitor's gift card an invitation to lose customers?
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Guest: WellManicuredMan Posted: Tue May 02, 2006 1:31 am I've never heard of a Supermarket where you can buy giftcards for other stores...
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue May 02, 2006 7:58 am I know my local WalGreens offers gift cards and they sell them at face value. So, this should work there as well (at least in theory). _________________ 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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5% Chase Credit Card Being Phased Out?
Guest: maddybeagle Credit Expert (100+ Posts) Post subject: 5% Chase Credit Card Being Phased Out?Posted: Tue May 02, 2006 5:24 pm Somebody on fat wallet is reporting that they had a conversation with a Chase CSR saying that this card is no longer available and will be phased out soon http://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/card_acquisitions/unsolicited/page/PFSCreditCardList#Rebate%20Cards based on the chase's list, it does look to be gone...
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Guest: bullet875 Credit Expert (100+ Posts) Posted: Tue May 02, 2006 5:36 pm Darn it! I just called to change my Chase Cash rewards card to a Rewrds Plus card and didn't because I wanted to accrue 100 points, spend them and then change!
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Guest: bullet875 Credit Expert (100+ Posts) Posted: Tue May 02, 2006 6:03 pm I just spoke to a chase CSR who told me that she did not hear of this. Let's keep our fingers crossed!
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Gas Credit Card Offer with Rebates?
Guest: stevejk Credit Expert (100+ Posts) Post subject: Gas Credit Card Offer with Rebates?Posted: Mon May 01, 2006 7:36 am TxQT, I'd be surprised if a gas company card pays a rebate, since there is no competition to use it elsewhere. You may still try for the Chase Rewards Plus and/or Citi Dividend Rewards cards. Even a small credit limit would be useful. Discover is more of a challenge to get. If you are looking to start a credit history, I can understand getting a gas company card. I'd think they are easier to get as they usually come with low credit limits. Steve
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Guest: txQT Posted: Mon May 01, 2006 12:09 pm [quote="stevejk"]TxQT, I'd be surprised if a gas company card pays a rebate, since there is no competition to use it elsewhere. You may still try for the Chase Rewards Plus and/or Citi Dividend Rewards cards. Even a small credit limit would be useful. Discover is more of a challenge to get. If you are looking to start a credit history, I can understand getting a gas company card. I'd think they are easier to get as they usually come with low credit limits. Steve[/quote] thanks steve, yea I really wasn't to worried about rebates because I know I probably won't qualify for those kinds of cards, so that is why I asked about what gas card may be a bit easy to obtain with a low fico score.
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Guest: multiplierx Posted: Mon May 01, 2006 12:54 pm I'd try Chevron but I doubt they have any rebates except for the possibility of some 90 day cash back offer. They have some sort of program for poor credit scores. Shell is giving $25 gift card for applying now. I use Citi Dividend for the 5% cash back.
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Guest: gsr Posted: Mon May 01, 2006 6:08 pm Gas cards are usually one of the easier cards to get, and i dont think you should be applying for a discover card. They are very picky. Try chevron, or shell ( shell is issued by citi bank i beleive). _________________ 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 May 02, 2006 2:11 pm I don;t know of any rebates on regular gas cards. I've heard that they are pretty hit or miss as far as approvals. If you are under 650.....its gonna be a tough approval to get. _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Thinking of Getting a Gas Credit Card
Guest: txQT Post subject: Thinking of Getting a Gas Credit CardPosted: Sun Apr 30, 2006 7:01 pm Hi I was wondering if anyone can tell me if the regular gas cards are hard to get? Gas prices are ridicoulous these days and I want to try for a card but not sure what my scores need to be...can anyone give any direction? Thanks
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Sun Apr 30, 2006 7:52 pm I would get either the Citi Dividend Platinum Select, or Chase Rewards Plus. Both offer 5% cash back on all gas purchases, not just specific to a particular brand of gas. (like Shell, Marathon, Mobil, etc...). Once you accrue $50 in cash back for the Citi and $100 cash back with the Chase, you can cash out in the form of a check mailed to you. These cards do have limits, Chase is $750 per calendar year ($600 cash, $150 gift cards, etc...), Citi Dividend is $300 per calendar year. Both these cards aren't too hard to get, at least they weren't for me and I was just starting my credit 1 1/2 years ago.
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Guest: txQT Posted: Sun Apr 30, 2006 9:25 pm [quote="quiznut1"]I would get either the Citi Dividend Platinum Select, or Chase Rewards Plus. Both offer 5% cash back on all gas purchases, not just specific to a particular brand of gas. (like Shell, Marathon, Mobil, etc...). Once you accrue $50 in cash back for the Citi and $100 cash back with the Chase, you can cash out in the form of a check mailed to you. These cards do have limits, Chase is $750 per calendar year ($600 cash, $150 gift cards, etc...), Citi Dividend is $300 per calendar year. Both these cards aren't too hard to get, at least they weren't for me and I was just starting my credit 1 1/2 years ago.[/quote] thanks for the reply but im actually just looking for a "gas card" most of those cards your fico has to be ATLEAST a 680 and I don't have that, so that's why I wanted to know if the "regular" gas cards were a bit more lienuient(SP?)
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Guest: txQT Posted: Sun Apr 30, 2006 9:26 pm [quote="quiznut1"]I would get either the Citi Dividend Platinum Select, or Chase Rewards Plus. Both offer 5% cash back on all gas purchases, not just specific to a particular brand of gas. (like Shell, Marathon, Mobil, etc...). Once you accrue $50 in cash back for the Citi and $100 cash back with the Chase, you can cash out in the form of a check mailed to you. These cards do have limits, Chase is $750 per calendar year ($600 cash, $150 gift cards, etc...), Citi Dividend is $300 per calendar year. Both these cards aren't too hard to get, at least they weren't for me and I was just starting my credit 1 1/2 years ago.[/quote] thanks for the reply but im actually just looking for a "gas card" most of those cards your fico has to be ATLEAST a 680 and I don't have that, so that's why I wanted to know if the "regular" gas cards were a bit more lienuient(SP?)
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Guest: astounding Posted: Sun Apr 30, 2006 11:06 pm The "Discover Platinum Gas Card" cc is a good option because it not only gives you full 5% cashback bonus on your gas purchases, but also gives you cashback on all your other purchases. And there's no annual fee too. -A _________________ Here's a GREAT FREE resource with everything you'll EVER need to know about credit/debt management, credit cards, and applying for the BEST one: Direct-Credit-Card.com/articles.php
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Searching for Best Rewards Credit Card Offer
Guest: MedSchoolGirl Post subject: Searching for Best Rewards Credit Card OfferPosted: Tue May 02, 2006 11:28 am I don't know if its possible, but I would really like to get a rewards credit card. Here is a look at the credit history Bankruptcy discharged in 12/04 Since then perfect payment history on credit cards Aspire Visa CL $300 Closed after 6 months (used to increase credit scores, but didn't want to keep paying fees.) Orchard Bank Unsecured since 12/04 Initial credit limit $300 Currect limit $800 (automatic CLI) Balance=$0 Capital One since 12/04 Initial and current limit=$300 Balance=$0 First premier Bank CL=$300 Closed Closed after 6 months (used to increase credit scores, but didn't want to keep paying fees.) Cross Country Bank since 06/05 CL=$750 offer CLI of 300 but would charge $100, I said no Balance =0 Capital One TJX card since 6/05 CL=$1000 Balance=$0 FNBM now Credit One Bank since 12/05 CL=$300 Balance=$0 Merrick Bank 03/06 Limit=$1000 Balance=$0 Two collection accounts on record that was not discharged in BK Medical bills occured prior to BK, but I was not aware of them, didn't show up to credit report until post-BK. Really want a rewards card to charge things like my cell phone bill and other monthly bills to and pay off at the end of each month, instead of money comming out of my bank account, since I do not get rewards or any credit benefit from that. I really would like Citi but a Citi card was discharged in BK, so I am not sure how likely that would be. Last time I bought a experian score was in April it was 560 Thanks for any input.[/code]
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Guest: jlrdc909 Posted: Tue May 02, 2006 11:38 am I would say (IMHO) that your going to have to wait for a while, if it was discharged in 04, its still fresh. Take the cards you have, be good, and good will come.
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Tue May 02, 2006 2:02 pm Oh yea.... you're waiting for a while. Be perfect and you will get there. Now if you live in CT and need a date...that you can get right away _________________ Average FICO score: 709 56 Months of perfection! I'm bored
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Problems Paying Off my Emerge Credit Card Account
Guest: cjbrad Post subject: Problems Paying Off my Emerge Credit Card AccountPosted: Fri Sep 09, 2005 11:34 pm Emerge is at it again. My husband and I have been trying for a year to get his credit score up. We were about $700 from paying off Emerge and they stopped sending us a bill. I sent them four months worth of emails, got no help, no paper bill and interest accrued on the account. When I had enough, I sent an email to the Better Business Bureau in Georgia. I am waiting to see if they get something done for me. In the meantime, we are waiting for a return receipt on the paid total. If his credit gets restored, I will log back in and tell you what a nice thing they did for us. Until then, I will say that they stopped sending us a paper bill knowing that most peple forget they owe such a small amount and it ruins the credit score. I didn't forget, although they are going to wish I had! cj
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Sat Sep 10, 2005 9:22 am what is Emerge? So you think they stopped sending bills to get late pen. charges from you? For that much, why dont you just pay off plus residual interest? What I do is send in an auto. monthly min. payment to my purchase card and bt cards so it wouldnt matter if I didnt get a paper bill.
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Guest: Verne SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Sep 10, 2005 10:47 am Over the years I've seen nothing but negative reports about Emerge (Aspire) or Compucredit. Here's one of many threads: http://www.artofcredit.com/board/showthread.php?t=16656 I haven't checked recently but last year they had a satisfactory rating at the Georgia BBB. But that may not mean anything. I seem to remember that a BBB in Florida (Tampa area I think) was taking bribes to give shady companies a clean bill of health. In another case, a BBB threatened a website for allowing posters to quote their reports without permission. Another anti-consumer move. I have little respect for BBB's anymore when I see the same rip-off artists again and again with excellent ratings. I continue to follow the stories about Compucredit and hope to see a lawsuit or some action by the state attorney general. (unless that office has been paid for too) Sometimes conspiracy theories are right and someone actually is following you. In fact, at this moment, someone is tunneling towards me. Time to move the burrow and stop reading so much Kafka. Verne _________________ Any agreement that can be changed at any time, for any reason, is no agreement at all.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Sat Sep 10, 2005 10:56 am BBB works for the companies. I wouldnt even bother. Your state probably has a consumer protection office. I know here in the upper midwest, they are often suing credit card companies. MN recently went after Capital One, although I think their case wasnt really getting at the real problems.
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Sep 10, 2005 4:04 pm My FNB of Omaha card was sold to Emerge a few months ago. I had a 0 balance at the time and hadn't used it for months. I have no idea why it was sold. Anyway, Emerge sent me new terms, including a stiff increase in interest rates--and I called, cancelled the card, and it was closed at once. I suppose that's a favorable experience with Emerge. Anyway, I'm tired of the paranoia that says major credit card firms simply stop sending monthly statements. Not one does that, even if it would be in their best interest (which it isn't)--because thousands of people are involved in sending out these statements and crediting payments, and one of them would blow the whistle if these shenanigans were going on. Now, I'm not accusing you of lying. Sometimes people move and don't notify the credit card companies. Sometimes other people move and the address change hits the wrong account. Sometimes the post office fails to deliver the mail, for whatever reason. Sometimes a neighbor gets your mail by accident and throws it out, or a child or spouse doesn't want you to see that mail and destroys it. And so forth and so on. None of that matters. You knew you owed the money. You knew you'd be dinged if you didn't make the payment each month. But you still didn't pay for months, even though you had the card and the payment address. Why blame Emerge for that? (It's OK to blame them for the high interest rates and lousy customer service--but not paying was YOUR mistake and your problem to deal with.) _________________ 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: Sat Sep 10, 2005 8:49 pm Ouch, a little "tough love" from Polonius.
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Guest: Ira SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Sep 10, 2005 10:46 pm Way to go, Mr. P! I'm also tired of people blaming all their problems on someone else. That lousy credit card company raised my interest rate just because I was behind in my payments. Just because I did (or didn't do) this or that they hit me with a last charge, refused to grant an me a credit line increase, wouldn't negotiate a settlement for much less than I really owe, etc. Please look in the mirror for the solution to all your problems and get acquainted with what's staring back at you. _________________ Do not let what you cannot do interfere with what you can do. Ira
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Guest: CustomerSeviceRep Posted: Tue May 02, 2006 10:20 am I have seen the replies of many to those who Emerge has screwed! Shame on you for passing judgement! I used to work for Aspire and you see I have purposely spelled service incorrectly for you do not receive customer service from Emerge. The company DOES purposely discontinue sending billing statements both periodically and when an account has dropped below a certain amount due in order to accrue additional fees (mainly for those whose credit ratings are not necessarily bad but whom they figure can't opt to pay the total amount due quickly. The concept is out of sight out of mind! This may have been the idea of the individuals heading the department or even acknowleged at a higher level. I don't know or care......all I know is that this practice is wrong, wrong, wrong!!! I am a whistleblower and proud of it!!!! I have forwarded information on the practices of my FORMER employer and no, I was not fired!!!! I quit!!!!!
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Secured Credit Card Offer with $0 Annual Fee
Guest: femlove200 Post subject: Secured Credit Card Offer with $0 Annual FeePosted: Tue May 02, 2006 1:12 am I was looking for a secured credit card and found that some of them have a $0 annual fee. here's the link. http://www.bankrate.com/brm/rate/cc_ratehome.asp?web=brm&state=US&prodtype=cc&R1=1&card_type=Secured&card_class=All&max_recs=50 they are mostly credit unions, but if you live in the bank's area you can become a member. Loophole: At DFC Digital Federal Credit Union you can be a Monster.com member and be eligible to be a member of their credit union. THen you can get the $0 annual fee secured visa. If your not a member, you can just join monster.com online for free. https://www.24x7loans.com/DigitalFCUauto/SSNInsert.asp
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Guest: Board Monitor Board Monitor/ Administrator Posted: Tue May 02, 2006 8:02 am Wow! I can't believe Monster.com is in their field of membership. What a shock. _________________ 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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Why are most CitiBank credit cards MasterCard?
Guest: Signature Post subject: Why are most CitiBank credit cards MasterCard?Posted: Sun Apr 30, 2006 12:24 pm Rookie question - Why is the majority of Citibank's cards in the U.S. all Mastercards? I only see the one Visa which is for Students..
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Guest: davidfronue Posted: Sun Apr 30, 2006 3:07 pm Hilton Honors is a visa signature card
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Guest: jlrdc909 Posted: Sun Apr 30, 2006 3:12 pm Good question. In Asia they advertise Citi Visa, in the US (Years ago) you had your choice of which card you wished to have.
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Guest: beyond platinum Credit Expert (100+ Posts) Posted: Mon May 01, 2006 1:49 am Citibank signed a special contract with MasterCard allowing Citibank more flexibility in the branding of their cards and a reduction in fees. Here is a good article that goes into more detail about the relationship between these two and how Visa was cut out: http://cyber.law.harvard.edu/rfi/press/card.htm _________________ "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: db619196 Posted: Mon May 01, 2006 9:20 am I seem to recall someone on this board who owns both a Citi Dividend Mastercard and Visa. I don't recall who it is though.
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Guest: multiplierx Posted: Mon May 01, 2006 1:02 pm I seem to recall somewhere it stated you could specify whether you wanted a Visa or Mastercard. I think all you have to do is call them and ask for the change. They also have several Amex cards
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American Express Platinum Credit Card Annual Fee
Guest: Rigavi Post subject: American Express Platinum Credit Card Annual FeePosted: 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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Guest: Board Monitor Board Monitor/ Administrator Posted: Mon May 01, 2006 8:00 am Something about paying that much cash upfront makes me shiver. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Sign up for our free monthly e-mail newsletter!
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon May 01, 2006 10:57 am $55/$85/$135 AMEX DELTA Not so hard to swallow
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