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OASIS Program Offered by American Express Credit Card
Guest: chriswufgator Post subject: OASIS Program Offered by American Express Credit CardPosted: Thu Jun 15, 2006 12:30 pm Hello everyone! First, let me say that I have been reading this board for some time, and have found the information absolutely invaluable. Thanks to all of you for your continued efforts! Due to the failure of my business I recently went through a ch. 7 bankruptcy, discharged in May of 2005, and the wealth of information contained in this site was my roadmap to re-establishing decent credit ratings. Before I even received my discharge, I opened a Plains Commerce Bank Total Visa cl:250, and a First Premier Bank secured Mastercard cl:1000. Shortly after, I added an HSBC secured Mastercard cl:1000, which I later raised to 1500. I then waited patiently, making new applications at the rate of one every 3 months or longer, and keeping the utilization low. My scores so far have gone from the middle 400s to currently Eq: 607 Tu:588 Ex:581. They were previously all over 600, but took a dip after I cancelled both the Total and First Premier cards, due to high fees. Since my discharge, and thanks to your "List of Bankruptcy Friendly Creditors", I have applied for and received a Target Red Card (not visa) cl:200, Kay Jewelers Card cl:new account, don't know cl yet, Orchard Bank unsecured Mastercard cl:400, a Merrick Bank unsecured visa cl:750 (received mailed invitation), and Credit One unsecured visa cl:400 (also received mailed invitation). I also decided to take out approximately $18,500.00 in student loans, which is sitting in a savings account while the corresponding 5 loan accounts continue to report positive history to all 3 bureaus and the federal govt. pays my interest for me Unfortunately, I have to consolidate because interest rates are nearly doubling, and at some point when I'm done with law school I'll actually be responsible for the interest, so that will drop to one single account for the entire balance later this month when the consolidation hits. Is this change good or bad for scoring? My main question at this point is this: I have read several threads about the "OASIS" program offered by American Express, and am highly interested in knowing whether other companies have similar programs. Included in my bankruptcy were Capital One: 2 accounts for approximately $1300 each in actual balances (with fees and such, the final chargeoff was $2k apiece), Discover Card: $1500 , Citibank Plat. Select: $1800 and then $8000 to Chase and $18000 to Bank of America. Obviously, I have no desire to pay off either Chase or Bank of America just to re-establish a prime tradeline, given the massive balances I'd have to pay. Capital One and, especially, Discover I'd be more than happy to pay the full value of what they charged off in exchange for reopening or establishing accounts that would serve as positive tradelines, given that their fee structure is much better than that of traditional "sub-prime" cards. So, does anyone know whether Discover and/or Capital One has a program similar to Amex's "OASIS"? I never liked Amex before my bankruptcy, thought their fees were high, so I never had one. I would appreciate any and all suggestions, thanks!
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Will transferring balances on my credit cards hurt my credit score
Guest: nicpon Post subject: Will transferring balances on my credit cards hurt my credit score?Posted: Wed Jun 14, 2006 12:58 pm hello, I have a question related to transfering balances and credit score. I just got an offer from Discover for 0% on balance transfers to auggust 07. So i'm planning to do cash advance on one of my other cards and then transfer that balance to discover. I'm assuming that I will be very close to credit limit on discover, something like 6000 max and i want to transfer 5500. Will that hurt my credit score because my ratio will be high on discover card? Or maybe you guys have some other ideas on the following situation. I'm going back to school and my employer is going to reimbures me for tuition upon receiving my grade. I don't have any savings to pay for it, so I have to find other ways to pay for it. Like I said before I'm planning to do cash advance on my CC and then transfer balance to other CC that has 0% on transferred balances.
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Guest: Evilbunny Posted: Wed Jun 14, 2006 1:08 pm You may want to see if they can just transfer the balance into your checking account. Or if you get convenience checks with discover, just write it out and deposit it into your checking account.
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Guest: kingcalvin Posted: Wed Jun 14, 2006 1:34 pm You may also want to check and see if discover allows balance transfers of cash advances from other cards. sometimes there are restrictions on these.... if you open up a credit card and max it out quickly, it can weigh on your credit scores, but if you are not extending yourself too far, it shouldn't kill your score as long as you continue to pay everything on time. Any card with more than 50% of the credit limit exposed weighs a little heavier... _________________ Find Credit Card Offers Mortgage Information
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Guest: fire3000 Credit Expert (100+ Posts) Posted: Wed Jun 14, 2006 1:50 pm Discover offered you a great deal. You can ask them what they will charge you for a direct cash advance, but I doubt that it will be at 0%. You will have to pay a cash advance fee of 3 or 4% to the other card and possibly a BT fee to Discover. Taking on this loan will greatly increase your credit utilization ratio and thus your credit score will drop a lot. Discover will not take adverse action as long as your payments are on time. One of your other creditors may become concerned and may reduce your credit limit or raise your interest rate. If you pay your other card balances in full each month, this will not be a problem. Also if you are likely to pass your courses, you can plead financial hardship and ask your employer to pay the tuition up front rather than reimburse you later.
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Guest: kingcalvin Posted: Thu Jun 15, 2006 10:06 am My sentiments exactly... _________________ Find Credit Card Offers Mortgage Information
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Guest: nicpon Posted: Thu Jun 15, 2006 12:31 pm I had an offer from discover 0% on BT for life. I bite my tounge right now that I didn't take it then. I don't if my employer is going to agree to pay up front for school because they reimburse me based on grades. A-100%, b-75% and C-50%. I'm not sure how to approach my Vp with this type of question.
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Orchard Bank Credit Card Annual Fee Hike
Guest: cliodhna Post subject: Orchard Bank Credit Card Annual Fee HikePosted: Thu Jun 15, 2006 12:46 am I have had a MC fm orchard for several years @ a $59 annual fee. Today, I received a notice that they are increasing my annual rate to $99 based on my credit info. i will definately be inquiring about that. My question is, however, if I already paid an annual fee in Nov 2005, how can they charge me another annual fee as soon as August 2006 - 3 month prior to the end of what I have already paid for!?
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Guest: NightStar Board Monitor/ Administrator Posted: Thu Jun 15, 2006 11:08 am I don't know, have you tried calling customer service to talk to them about the early charge. _________________ Best Regards, Pammila Phillis Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Brammy Posted: Thu Jun 15, 2006 1:45 pm Annual fee means just that Annual. This bank has questionable practice across the board since the takeover. The least of which not being the interest rate increase across almost all their lines of up to 7% for no good reason. I would contact Cs and let them know that this fee was paid 9 mos ago and that it isn't due for another three months. You have, in essence, prepaid for the use of this card. New T&Cs should take effect after that period. In the meantime, I would try to get credit with someone else if possible. I was complacent having the Household Master card but got angry when I was rate jacked. I hadn't applied for any other cards in the three years since I had been with them and was surprised to get a very good offer. So it was bye bye HSBC.
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Citi MtvU Visa Credit Card Offer Great for Restaurants
Guest: quiznut1 Credit Expert (100+ Posts) Post subject: Citi MtvU Visa Credit Card Offer Great for Restaurants Posted: Thu Jun 15, 2006 1:18 pm I know you have to be a college student to apply for this card, but the next best rebate card I know for restaurants after this one is the Costco True Earnings at 3% cash back. You must be a Costco member to get this card at no annual fee as well. Anyway, I just applied for this card (Citi MtvU Visa) to replace my Discover 5% Restaurant card. It is 5 points for every dollar on restaurant purchases, and a bonus of 25 points per month for paying your bill on time and not going over your limit. Also, twice a year you can fax in your college grades to earn bonus points, up to 2,000 points. Here are some of the rewards that I think are worth noting: 2,500 points = $25 student loan rebate 5,000 points = $50 student loan rebate 5,000 points = $50 gift card to the following merchants... Dining: Applebees, TGI Fridays, Omaha Steaks, Legal Seafoods, Red Lobster, Ruth's Chris Steak House, Hard Rock Cafe, Chili's, Olive Garden, Smith and Wollensky, Panera Bread Gas: Shell, Exxon Mobil Electronic Stores: Best Buy, Circuit City, J&R Music and Computer World, Entertainment: Spawish.com, Blockbuster Retail Stores: Motherhood Maternity, Banana Republic, Foot Locker, Gap, Old Navy, Target, Pottery Barn, K-Mart, Bath and Body Works, Service Master, Pier 1 Imports, Snap On Tools, Home Depot, Bed Bath and Beyond, Linen n' Things, Babies "R" Us, Toys "R" Us, Bookstores: Barnes and Noble, Borders, Waldenbooks Specialty Stores: Orvis, Bissinger's Handcrafted Chocolatier, Eddie Bauer, Macy's, Lands' End, Sears, JCPenney, L.L. Bean, Crabtree & Evelyn, Sunglass Hut Office Stores: Staples, Office Depot, Comp USA I would mostly redeem for the student loan rebates, or Target gift cards, since I go there all the time. It's too bad that the best cash rebate for this card is $250 at 38,000 points, but I'll take the gift cards for sure. Any thoughts about this card?
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Cash Bonuses from my Credit Card Accounts
Guest: hesiden Credit Expert (100+ Posts) Post subject: Cash Bonuses from my Credit Card AccountsPosted: Thu Jun 15, 2006 3:28 pm YTD interest from HSBC Direct $731.27. (Using 0% APR BT money) $500 cash bonus from new TDameritrade account + $30 intrest $100 cash bonus from new Fidelity account + $110 in interest $50 Opening BoA checking account $300 cash back from Chase Cash Plus $30 interest from Everbank (5.5% interest for 3 months...just started. +$50 when closing the account) Auto loan (4.8%) transfered to Discover 0% for life of BT. Probably saved about in interest $300 so far this year. Wife's Citi Dividend Card $? probaby about $200, not sure. About $100 from discover restruant card (pity its being phased out). Float from using MBNA Billpay, not sure, at least $100 probably closer to $200.
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Guest: hesiden Credit Expert (100+ Posts) Posted: Thu Jun 15, 2006 3:33 pm [quote="kingcalvin"]That's a great point. But if you think about it... everyone wins that way![/quote] Except for the people who pay in cash.
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Cash Back from BOA Credit Card
Guest: TomfromCT Credit Expert (100+ Posts) Post subject: Cash Back from BOA Credit Card Posted: Wed Jun 14, 2006 5:06 pm Cash rewards were not happening back when I had credit and then my issues. Now I am back in the credit game and LOVE watching the rebates grow. I am on track to get the 1k rebate from BOA for 50k purchases in 5 years. I maxed out the potential 60 cash back on gas from doscover already this year. I am on track to maxe out the 300 cash back on my citi PS card. I will be some where around $ 100 back on my card I use at restaurants. In 5 years fomr Jan 1 2006 I should hit about....2900 in rebates give or take. All it tells me is that I am being charged too much to begin with !!!! But I'll take the rebate! _________________ Avg FICO 738 2 reports full of perfection 1 report with 1 derog.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: quiznut1 Credit Expert (100+ Posts) Posted: Wed Jun 14, 2006 8:00 pm Well, I originated this topic, so here is my rundown: MBNA Gold Points Card (my first card): Free watch - which I no longer have Citi Dividend Platinum Select (main card) - $473.39, and $5 for signing up for paperless statements, $478.39 Chase Cash Plus Rewards - $100 signup bonus, $150 total AMEX Business Card - $100 on first purchase Discover Platinum - $89 HSBC - $25 Best Buy Gift card So, altogether, $817.39 in cash rebates, a free watch, and a $25 Best Buy gift card. Not bad for almost 2 years! Pretty soon I'll be doing another $90 for Discover (5% cash back on tuition promotion), and another $80 from Cardoffers for applying for a couple of new cards. So I'll be topping the $1,000 mark soon.
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Guest: kingcalvin Posted: Thu Jun 15, 2006 9:56 am Perhaps you should start a firm specializing in "getting rich" from your cash back rewards! _________________ Find Credit Card Offers Mortgage Information
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Guest: noidea Posted: Thu Jun 15, 2006 10:38 am i have received 92.00 from nat city and 175.00 off my state farm bill not bad for 1 year huh?
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Thu Jun 15, 2006 12:48 pm How did you get $175 off your state farm bill? Did that have something to do with using your credit card to pay and getting a cash reward? Just curious...
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Guest: noidea Posted: Thu Jun 15, 2006 1:02 pm you get state farm dollars for every dollar you spend on their card i was expecting a very large purchase so i split the charge and paid off right when the statement came out so therefore i got 175.00 .......its state farm dollars but 175 less in insurance this year is a good thing
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Thu Jun 15, 2006 1:26 pm Quote: you get state farm dollars for every dollar you spend on their card i was expecting a very large purchase so i split the charge and paid off right when the statement came out so therefore i got 175.00 .......its state farm dollars but 175 less in insurance this year is a good thing Nice card noidea, 1% cash back in the form of State Farm dollars with no limit on rewards.
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Guest: noidea Posted: Thu Jun 15, 2006 2:01 pm YEAH I thought so too i dont use credit that much so i was happy to see i could lower a bill i already had
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Rebates from Citi and Chase Credit Cards
Guest: cameron Post subject: Rebates from Citi and Chase Credit CardsPosted: Tue Jun 13, 2006 12:02 am I started this last year and have had 2 checks so far each for $300, from Citi and Chase. About to cash in another $300 very soon! (Not to mention the thousands I think I will save with the 0% Balance transfer I just did). If only I had done this a long time ago!
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Guest: shooter Credit Expert (100+ Posts) Posted: Wed Jun 14, 2006 12:26 am I joined the cash back game about three years ago. Unfortunately I didn't know about the 5% cards for the first year and a half. Once I got those my rebate checks came much more frequently. So far I've earned around $570. I have a $50 check in the mail from Chase and I should have another $50 earned by the end of this month. I love cash back. I long for the day when I'll be out of school and making more than $15 k per year. I expect to make a lot more then.
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Guest: okokok Posted: Wed Jun 14, 2006 8:51 am Just a comment for well-manicured, The credit card companies ARE making money from all of us that are using rebate cards. Don't forget that the merchant pays a fee to the CC companies every time we use the cards. That fee is in the price of everything we buy. Using the rebate card does give us the opportunity to recover as much as possible, I agree. Even the 5% cards make them money. They bank on the fact that we will use the cards for items that they only give 1% on. Even at only 1%, it is still worth it for us to use the cards on anything we can, but they charge the merchant more than they rebate to us! If they weren't making money on the program, they wouldn't offer it, that's for sure!!!! Sean
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Guest: kingcalvin Posted: Wed Jun 14, 2006 10:06 am That's a great point. But if you think about it... everyone wins that way! _________________ Find Credit Card Offers Mortgage Information
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: WellManicuredMan Posted: Wed Jun 14, 2006 2:14 pm Quote: Just a comment for well-manicured, The credit card companies ARE making money from all of us that are using rebate cards. Don't forget that the merchant pays a fee to the CC companies every time we use the cards. That fee is in the price of everything we buy. Using the rebate card does give us the opportunity to recover as much as possible, I agree. Even the 5% cards make them money. They bank on the fact that we will use the cards for items that they only give 1% on. Even at only 1%, it is still worth it for us to use the cards on anything we can, but they charge the merchant more than they rebate to us! If they weren't making money on the program, they wouldn't offer it, that's for sure!!!! Sean Yes, I understand this. I guess what I meant to say is that the card companies have not taken any money from me personally and I intend to keep it that way. I am glad that the card companies are still making money though, otherwise people like us that pay in full every month wouldn't benefit because there wouldn't be any cash back cards. _________________ http://en.wikipedia.org/wiki/Well-Manicured_Man
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What is your best cash back credit card deal?
quiznut1 Credit Expert (100+ Posts) Post subject: What is your best cash back credit card deal?Posted: Mon Jun 12, 2006 3:24 pm Hello everyone, I'm sure a lot of you have seen my posts. I am a fanatic when it comes to getting the best credit card deal, specifically with cash back. I love the feeling of getting something for nothing. I was wondering, I have held credit cards for almost 2 years now, and I have never paid a bill late, or not paid in full. I've done this for exactly 22 months, and I've earned a little over $800 in cash back from the credit card companies in that timespan. I was wondering if there are others out there who would freely admit they have tracked their credit card cashback over the years and can post a "running total". Or possibly you've earned a lot of free stuff along with cashback. Whatever it is, it was all courtesy of the credit card companies. Sign up bonuses, cash back rewards, airline miles, free stuff, whatever. Or maybe you would freely admit you have had a "perfect record" with paying in full and on time for a period of years, and the credit card company hasn't made a cent off you in interest charges. Who has done it the longest? Who has earned the most cashback or free stuff from the credit card companies over the years? I'd like to hear some feedback on this, whether you've earned a lot or a little, I don't care. This is basically open to all the credit card deadbeats of the world. Post away!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor Board Monitor/ Administrator Posted: Mon Jun 12, 2006 3:44 pm Love the topic! I earned several thousand dollars in cash back rebates alone over the years (not including 100s in gift cards/certs.). Love those card rebates! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: catalyst4christ Posted: Mon Jun 12, 2006 3:55 pm I started my cashback/rewards history about 15 months ago. I've gotten over $800 back plus some giftcards/certificates to GAP/Footlocker. I try to share with my friends and family and some just think there's more to it to get money back like this. I always tell them before I explaining the whole process that if you pay your bills in full each month then you will want this. I've only "converted" one friend. Oh well, I'll continue getting cashback while they use their plain old cards. D _________________ AMEX Blue Cash/Citi Dividend Platinum/AMEX Platinum Biz Cash/Wells Fargo Platinum/Chase Cash Plus Rewards/Discover Classic/Capital One Platinum/GAP Card
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Jun 12, 2006 8:33 pm Quote: "quiznut1" Hello everyone, I'm sure a lot of you have seen my posts. I am a fanatic when it comes to getting the best credit card deal, specifically with cash back. I love the feeling of getting something for nothing. I was wondering, I have held credit cards for almost 2 years now, and I have never paid a bill late, or not paid in full. I've done this for exactly 22 months, and I've earned a little over $800 in cash back from the credit card companies in that timespan. I was wondering if there are others out there who would freely admit they have tracked their credit card cashback over the years and can post a "running total". Or possibly you've earned a lot of free stuff along with cashback. Whatever it is, it was all courtesy of the credit card companies. Sign up bonuses, cash back rewards, airline miles, free stuff, whatever. Or maybe you would freely admit you have had a "perfect record" with paying in full and on time for a period of years, and the credit card company hasn't made a cent off you in interest charges. Who has done it the longest? Who has earned the most cashback or free stuff from the credit card companies over the years? I'd like to hear some feedback on this, whether you've earned a lot or a little, I don't care. This is basically open to all the credit card deadbeats of the world. Post away! $0.13 AMEX BLUE CASH OVER 200,000 DELTA and UNITED MILES IN ONE YEAR
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: WellManicuredMan Posted: Mon Jun 12, 2006 11:01 pm I haven't had credit cards very long (< 2 yrs). Have earned about $160 cash back. And the card companies haven't made a cent from me (I intend to keep it that way). _________________ http://en.wikipedia.org/wiki/Well-Manicured_Man
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Great article on Credit Card Balance Transfer Offers
Guest: Board Monitor Board Monitor/ Administrator Post subject: Great article on Credit Card Balance Transfer OffersPosted: Thu Jun 15, 2006 9:51 am There is a great article on credit card balance transfer offers just published on TheStreet.com: http://www.thestreet.com/university/personalfinance/10291262.html I am proud to say that Ira Stoller, veteran member of this board is quoted in the article. I am also proud that http://www.CardRatings.com is referenced in the article. Thoughts about the article? _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: hesiden Credit Expert (100+ Posts) Posted: Thu Jun 15, 2006 4:02 pm [quote="Board Monitor"]There is a great article on credit card balance transfer offers just published on TheStreet.com: http://www.thestreet.com/university/personalfinance/10291262.html I am proud to say that Ira Stoller, veteran member of this board is quoted in the article. I am also proud that http://www.CardRatings.com is referenced in the article. Thoughts about the article?[/quote] Don't like the article that much, the author is clueless. This is what Ira did... Stoller has 15 cards in his wallet that he uses for balance transfers. He bought his new car with a 3.99% offer and earned $2,200 in the past two years, he says, by using balance transfers to invest in money market accounts or certificates of deposit. And the author's conclusion Conclusion? Consider a balance transfer to finance a small purchase -- but only if you have the money to pay back the transfer when the bill comes due, and if there's a really good reason for financing the purchase. And for Ira's tips... "Stoller says to withdraw the principal on the car, pay back the balance transfer and keep only the interest. " Not "car", repay the BT (principal) and keep the interest you earned in a money market or CD. I'm sure Ira said it correctly and author messed it up.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Which credit card offer is best for me?
Guest: BigDog Post subject: Which credit card offer is best for me?Posted: Tue Jun 13, 2006 1:22 am -------------------------------------------------------------------------------- HI, I am in search of a business credit card and here is what I came up with. Looking to do a 2500 balance transfer from a Cap oNE card and use some credit for working capital. 1 - Advanta - great 0% BT offer until sep 2007 and a 7.99% puchases - a 5% rebate with a $300.00 cap per year and a $25 cap per month max. 2 - Chase - 12 months 0% BT and purchase. ( I already have 3 personal chase accounts) 3 - Citibank - the same as chase 4 - Discover Card - 0% for 9 months my scores are arounf 750 across the board
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Guest: fire3000 Credit Expert (100+ Posts) Posted: Tue Jun 13, 2006 7:49 am I have the Chase business card (#2 on your list). They approved me with a 12K limit even though I had three other Chase cards open. My score is upper 600's. They pay 3% cash back at home improvement stores, office supply, Gas, and restaurants and 1% on everything else. $40 cap per month. 0% on BT and purchases for 12 months. No annual fee. I do not even have a business.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: hesiden Credit Expert (100+ Posts) Posted: Tue Jun 13, 2006 10:50 am All 4.
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Tue Jun 13, 2006 1:04 pm Citi Advanta : Nice but limited flexibility on CL's Chase : You already have alot with them - diversify Discover card: now letting merchants upcharge you for using the dicover card _________________ Avg FICO 738 2 reports full of perfection 1 report with 1 derog.
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Guest: BigDog Posted: Wed Jun 14, 2006 10:55 am Just did the phone APP with Advanta. They told me it would take 2 or 3 days for an answer. I like the 5% rebate.
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Guest: cameron Posted: Wed Jun 14, 2006 11:03 am I have advanta, they gave me $10000. BofA has one too they gave me more.
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Guest: BigDog Posted: Thu Jun 15, 2006 4:06 pm got approved for the Card, but have no idea what my CL will be.
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