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Credit Line Increase on my Bank of America World Points Credit Card
Guest: usmsci Credit Expert (100+ Posts) Post subject: Credit Line Increase on my Bank of America World Points Credit CardPosted: Tue Aug 08, 2006 4:16 pm i received a BOA World points card with an initial CL of $3,600 and 0% APR for 12 months on purchases and BT's with a 3% BT fee with no maximum. i transferred $3,450 with a fee of $103.50 for that BT. Now i feel stupid. i read on here where MBNA was soft for giving CLI's so i decided to ask for an increase after i made the BT. remember my balance is now $3,553.50 out of $3,600 CL. so its been 4 hours and i logged back into the site and they gave me an increase to $6,000. is there anyway to call them back ask for them to see if i can pay them back the $3,450 they gave me and then do a BT again? i dont want to have to, lets say BT another $2,200 and pay another 3% fee which would be $66.00. EDIT: i feel stupid. i see that regardless i would be paying the same amount. if i was to BT $5,650 then the BT fee would have been $169 which is the same as making 2 BT's..for some reason i thought that was different. i guess it WOULD be different if there was a $75 cap but in this case its not. Some of you might say its not worth it but i dont plan on putting the money back into my HELOC after the 12 months expires. the simple reason is is that i have a fixed 7.9% from then on which is less than prime+2-3.5 that i am paying on my HELOC. I guess people were right about MBNA. they pulled experian which has no derogs, perfectly clean. NOW i cant wait til my MBNA world points comes in with ONLY a $2,500 CL. i will for sure ask for a CLI or should i wait til i BT? what do you think.. do you think the only reason i got a CLI was because i was practically at my limit with the first BT or would i have gotten the CLI anyway. in the form online they ask you to give them a credit limit that you are asking for or for you just to leave it up to them so i just put $6,000 b/c i didnt want to be over eager. in hindsight i should have put in $10K. thoughts?
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Guest: hesiden Credit Expert (100+ Posts) Posted: Tue Aug 08, 2006 4:27 pm usmsci wrote: thoughts? %3 BT fee with no cap sucks. Citi has 0% APR for 12 month no fee BT for most of their cards.
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Guest: usmsci Credit Expert (100+ Posts) Posted: Tue Aug 08, 2006 4:30 pm hesiden wrote: usmsci wrote: thoughts? %3 BT fee with no cap sucks. Citi has 0% APR for 12 month no fee BT for most of their cards. yeah well CITI checks EQuifax and i have 2 derogs from 5 years ago and 7 years ago and therefore i cannot get accepted. it seems that all BOA and MBNA cards are 3% no cap. Chase and AMEX have a cap at $75.
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Guest: usmsci Credit Expert (100+ Posts) Posted: Tue Aug 08, 2006 6:16 pm just received my 2nd BOA card that i applied for through MBNA. CL was only $2,500 but came with a fixed 13.99 APR after the 12 month 0.0% for purchases and Bt's. the first BOA card came with a 7.90% fixed after the 12 month period so he just said he would combine the 2nd card with the 1st card so that gives me a $8,500 CL now after getting the CLI to $6,000 on the other card. Now i feel sick because i could have waiting to see if i could get a CLI on the 2nd card THEN make a transfer to the other card but oh well. The BOA rep also said that its counts as GOOD on my credit report if i combine 2 cards into 1. is this so and why? thanks for listening!
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Comprehensive List of Student Credit Cards
Guest: Board Monitor Board Monitor/ Administrator Post subject: Comprehensive List of Student Credit Cards Posted: Sat Aug 05, 2006 9:45 am Quote: It gives you details about what the requirements for approval are for each card. Wouldn't trust that list. Only the card issuers know the specific requirements and they ain't talking! Here is our list of student cards (much more comprehensive): http://www.cardratings.com/studentcreditcards.html Quote: On cardratings, to get a student credit card, it seems you have to have "good credit" already That was a typo. So sorry for the confusion. You don't need credit to get a student card! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Guest: azyan111 Posted: Sat Aug 05, 2006 2:52 pm Thank you so much Board Monitor for the clarification! You can't imagine how confused I was about the "good credit" thing...So now I feel more confident applying for one of the student cards knowing that I don't need credit. On a further note, is there any way of telling how successful I will be getting approved for one of those student cards? In other words, is rejection common for these cards?
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Guest: Board Monitor Board Monitor/ Administrator Posted: Sun Aug 06, 2006 7:58 am Glad to help! Rejection isn't common, but it does happen. Have heard of AmEx rejecting students from certain schools in the past, but don't know if this still happens. Unless your credit is bad, I think you have a great chance of getting accepted. Good luck and let us know how things turn out! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Guest: azyan111 Posted: Thu Aug 10, 2006 6:55 pm Thanks again Board Monitor! Thankfully, I wasn't looking at AmEx cards anyhow; I'm actually considering a CitiBank card (been hearing good recommendations). I'll be sure to update to let you know though!
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Student Searching for Best Credit Card Offer
Guest: azyan111 Post subject: Student Searching for Best Credit Card OfferPosted: Fri Aug 04, 2006 2:50 am Hi everyone, I'm a new member to this board and I would like to apologize in advance if this question has been asked and answered in some other thread...my situation is as follows: I'm 18 years old and will be entering college this fall...I want to only get ONE, hopefully, good card that I will use to buy books/clothes only...I've been on the lookout for good credit cards for students for awhile now but I'm still confused...On cardratings, to get a student credit card, it seems you have to have "good credit" already...I have no established credit whatsoever and am wondering if I should be looking at the "no credit" credit cards category instead... If it's any help, I have had a personal checking account for almost a year and a half now....I HAD a steady job for about 10 months but I quit it a few months ago...which leads me to another question...do these cards depend on the student having a source of income? even though i do not have a job now...I am very responsible when it comes to money matters and i know that i will be able to pay IN FULL EACH MONTH for what i charge even though i don't have personal income from a job (i will pay using mostly the money I've saved from my job and parents' allowances that i deposit into my account)...how will not having a job affect me though? As I've mentioned, I've been doing research on potential credit cards and have made a list of things to look for...is there anything i might be missing? interest rate: which is better? fixed or variable? i'm confused on this... no annual fee.. if possible, discounts rather than rebates... fraud protection..no liability on unauthorized charges oh..and what's the difference between secured/partially sercured/unsecured cards? I apologize for the long post but all details are appreciated! thank you so much!!!
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Guest: shan Posted: Fri Aug 04, 2006 8:16 pm I am not a student, but am new to credit, so I know how it is. I started 7 mo ago with a secured card from BofA. Secured means you deposit money into a savings account that they hold as collateral. Your limit reflects the amount that you deposit. You make monthly payments as usual(with interest if you don't PIF), but if you don't pay they will use your deposit. It's a great way to start if you don't have any credit history. They report to the CBs each month(make sure that they do) and help you build your credit. Watch out for banks that charge high fees on secured cards though. The best one I found was BofA. You may not need to go the secured route since you are a student. Banks are more lenient. I don't think your income or credit history matter as much. I don't know more about them though-sorry. Scan these boards-there are other posts about student cards. I also found some helpful credit card info on www.financeglobe.com It gives you details about what the requirements for approval are for each card. Thay have a specific student card category(although not all cards are listed, but you can search by bank name also) I would look into BofA or Citi Student cards. Also, in doing my research it seemed that most APR's are variable. Which means they can change according to the market. If you can get a low fixed, go for it. But right now that probably isn't going to happen. The lowest variable that you can get is what you should look for if you might need to carry a balance. If you think that you will PIF each month, then it doesn't matter and you might want to look for rewards instead. After 7 months of PIF on time, my credit scores are around 709(which is at the beginning of the good range). I recently applied for 4 cards and was approved for 3 and still waiting to find out about the other! I'm really stoked!! Hope this helps! Good luck!! Last edited by shan on Sat Aug 05, 2006 1:04 pm; edited 1 time in total
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Guest: timmbukk Credit Expert (100+ Posts) Posted: Sat Aug 05, 2006 12:00 am I am in grad school and still apply for some student cards, they usually do not ask for income.
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Guest: azyan111 Posted: Sat Aug 05, 2006 12:47 am Thank you so much for the replies, shan and timmbukk! A special thank you to shan for so much great information! Thank you shan!! I really do appreciate you guys sharing your experiences. Anyone else with deeper or different advice regarding my questions (particularly students)? Please feel free to post...no advice is too obvious for me Thanks in advance!
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Personal Guarantee for Corporate Credit Card?
Guest: morfdq Post subject: Personal Guarantee for Corporate Credit Card?Posted: Thu Aug 10, 2006 7:51 pm I really need help. I have a small business that is not doing well. I need to file for bankruptcy however I have about 30,000 in credit card debt. I have no way of paying it off. The company is a corporation and the credit card is in the corporations name. Can I file for bankruptcy and eliminate this debt or will I be responsible. I really need help with this. I appreciate anyone helping.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Fri Aug 11, 2006 9:02 am Greetings and welcome to the board! Sorry to hear about your predicament. Most small business cards require a personal guarantee. Did they pull your personal credit when you applied? _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Details on Chase Visa Credit Card Offer
Guest: XeroK00L Credit Expert (100+ Posts) Post subject: Details on Chase Visa Credit Card OfferPosted: Thu Aug 10, 2006 6:02 pm tonygoldston wrote: Curtis, Fine print on the $1 per 100 miles, There's a cap per year $500 I think. Which is included in the cap on the card per year $1000. You have to have other rebates equal to the milage rebate. I.E. if I drive 50,000 miles for the full $500 but don't use the card at all, I would get 0 rebates. Also you have to sign up for the milage rebates (fill out a form, VIN for the car, and send that in. 1 car per card) When you want to get credit for your milage, you have to fill out another form and send it in, with a copy of a "statement" from a car service showing milage. Overall pretty nice, but the 6% offer on gas and groceries in limited to the first 12 months. After that it drops to 3%, which means I quit using. My wife signed up for one of these a year ago, so the extra % is running out. I just signed up for one myself and will use it for the next year. (Also, for some reason on my wife's card (it was a charter member) they messed up the rebate %, instead of the 6% they gave her 10%, so I definitely didn't call and ask:) tony Yup that is correct. The mileage reward cannot exceed the amount of driver's rebate earned for the year, which is fair enough. So if I spend $5,000 in grocery and gas per year and therefore earn $300 in driver's rebate, I can only get a maximum of $300 in mileage rewards, a result of driving 30,000 miles, more than anyone would typically drive per year I suppose (and to think $500 = 50,000/year is the max!!). So you have to use the card actively for all your grocery and gas spendings to be able to earn that mileage reward, and why not? 6% beats just about everything out there, and when the first 12 months is about to expire, simply apply for another Driver's Edge card, move the CL to the new card, and close the old one if you don't like sockdrawer'ing too many cards.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 9:06 pm Might be a good offer for folks that want a chase card to use at superwalmart (assuming that this one codes 6% there like the 5% cards do...)....otherwise, I would rather have cards with sign on bonuses..
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Guest: XeroK00L Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 10:29 pm maddybeagle wrote: Might be a good offer for folks that want a chase card to use at superwalmart (assuming that this one codes 6% there like the 5% cards do...)....otherwise, I would rather have cards with sign on bonuses.. I agree with your SuperWalmart comment. However, I disagree with the latter. This is not an "either or" thing. It can be both. It's not like once I get the Driver's Edge card I will be prohibited from getting cards with $100 signon bonuses. I get all those cards too. They're "free money cards" to me. I get them for signon bonuses, but I don't use them. I use whatever earns me the highest % back from my purchases. Plus, the Driver's Edge gives me $1 for every 100 miles I drive. That's as good as if not better than a $100 signon bonus to me.
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Credit Card Offer for Chase Platinum Visa
Guest: rain Credit Expert (100+ Posts) Post subject: Credit Card Offer for Chase Platinum VisaPosted: Wed Aug 09, 2006 3:25 pm They just changed the details of the ad to include offer details. Looks like its a legit offer, goody
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Guest: usmsci Credit Expert (100+ Posts) Posted: Wed Aug 09, 2006 7:23 pm i've got this card and in the account benefits section when you online it says: Quote: Cashbuilder Awards - Earn up to 2% on new purchases in any month you revolve a balance of at least $500 Earn up to 1% on new purchases in any month you revolve a balance of less than $500 or pay your balance in full When you reach your Registration Date Anniversary, you will receive your cash reward in the mail. Cash rewards are limited to $500 each year. Perfect Card Rewards - Earn a 3% rebate on all gasoline purchases Earn a 1% rebate on all purchases All the rebates you earn are automatically credited toward future purchases Earn an additional 3% on gas transactions during the first 90 days your account is open Freedom Rewards - Earn a 3% rebate on all gasoline purchases Earn a 1% rebate on all purchases All the rebates you earn are automatically credited toward future purchases Ultimate Cash rewards - Earn up to 5% cash back on Everday Net Purchases and up to 2% cash back on all other on Net Purchases. “Everyday Purchases” means Purchases at stand–alone U.S. supermarkets, gas stations, drugstores, and home improvement stores, for consumer consumption only. Calculate the award for each billing period based upon the annual level of Net Purchases. (notice nothing about first 3 months, 6 months or 1 year, looks like forever). Also this confuses me.. does that mean i get ALL that or just the one that gives me the most money per billing cycle? could someone explain? Every one of these has an * by it saying to please refer to my rewards brochure for specific details. In my brochure is says: Quote: You will earn 5 points per $1 spent on Net Purchases made at retail establishments that classify their merchant location for Visa/Mastercard as a gas station, grocery store or drugstore and 1 point per $1.00 spent on Net Purchases Everywhere else notice it says nothing about the first 12 months or anything of the sort. so does that mean if you go into a store/gas station etc etc and they have the Visa/Mastercard logo on their window then that means they classify themselves for Visa/Mastercard or what does that mean? also what does that mean for me as far as all the benefits online via my account versus what this brochure says. i am thoroughly confused.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Thu Aug 10, 2006 8:48 am XeroK00L wrote: Nice try, Chase. I'll just stick to my Citi Driver's Edge card with 6% back PLUS $1 for every 100 miles driven and a better rewards program to boot thank you very much. Oh, and cardoffers.com offers $40 cash for getting the Driver's Edge card. What is the fine print on earning $1 for every 100 miles driven?!? _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Guest: tonygoldston Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 12:51 pm Curtis, Fine print on the $1 per 100 miles, There's a cap per year $500 I think. Which is included in the cap on the card per year $1000. You have to have other rebates equal to the milage rebate. I.E. if I drive 50,000 miles for the full $500 but don't use the card at all, I would get 0 rebates. Also you have to sign up for the milage rebates (fill out a form, VIN for the car, and send that in. 1 car per card) When you want to get credit for your milage, you have to fill out another form and send it in, with a copy of a "statement" from a car service showing milage. Overall pretty nice, but the 6% offer on gas and groceries in limited to the first 12 months. After that it drops to 3%, which means I quit using. My wife signed up for one of these a year ago, so the extra % is running out. I just signed up for one myself and will use it for the next year. (Also, for some reason on my wife's card (it was a charter member) they messed up the rebate %, instead of the 6% they gave her 10%, so I definitely didn't call and ask:) tony
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Chase Flex Rewards Platinum Visa Credit Card Offer
Guest: rain Credit Expert (100+ Posts) Post subject: Chase Flex Rewards Platinum Visa Credit Card OfferPosted: Wed Aug 09, 2006 8:57 am Chase was advertising 6 points/$1 for gas/groceries. But when clicked on the banner ad, the details still had the same 3/$1, so good luck
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Aug 09, 2006 9:17 am I saw that too Rain! In fact, it's currently running on the home page of Chase.com. Somebody has made a big time goof here (I assume it is a goof)! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Guest: XeroK00L Credit Expert (100+ Posts) Posted: Wed Aug 09, 2006 12:40 pm Nice try, Chase. I'll just stick to my Citi Driver's Edge card with 6% back PLUS $1 for every 100 miles driven and a better rewards program to boot thank you very much. Oh, and cardoffers.com offers $40 cash for getting the Driver's Edge card.
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Guest: Evilbunny Posted: Wed Aug 09, 2006 2:10 pm read the fine print! You will earn 5 bonus points for each $1.00 of net purchases made at retail establishments that classify their merchant location for Visa/MasterCard as a gas station, grocery store, or drugstore for the first 12 months your account is open.
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Approved for NASA Federal Credit Union Visa Platinum Credit Card
spjoink Credit Expert (100+ Posts) Post subject: Approved for NASA Federal Credit Union Visa Platinum Credit Card Posted: Thu Aug 10, 2006 1:30 pm I recived my new Nasa FCU Visa platinum card today . I got it in 4 days ...it came with a nice limit of $30 000....they approved me for 20k but after sending them my w2 i got 10k more... Very nice people , and not bad terms either. 9.9 % fixed apr , same for cash withdrawels, and with your nasa checking account you can use most atms fee free . They also have great rates on carloans. All you gotta do is to become member of national space society for $ 20 .
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Guest: rapjunkie Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 3:04 pm Wow - congratulations! That's outstanding.
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Guest: spjoink Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 3:35 pm Thanks Rapjunkie, but Penfed denied me, the rep was also kinda rude...maybe i should call again...??
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Guest: timmbukk Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 4:51 pm CONGRATS. APPROVED INSTANT ONLINE 50K TODAY.
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Guest: spjoink Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 6:28 pm Wow , congrats to you!!! How much did you have to prove that you made.
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Guest: timmbukk Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 7:42 pm I didnt have to prove anything. Maybe its because I also opened a checking account and tranferred a nice chunk of change into it.
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Guest: spjoink Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 8:01 pm That's probably why,how much did you deposit, if you don't mind me asking...I only put $25.00 in the account...but I sent them my w2 and that shows $120k plus , so I expected more...my friend also got the same as me....well well, its good even at 30k
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Guest: timmbukk Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 8:06 pm a few K. I am surprised they just didnt ask for a recent paystub, or did you offer to send w2? 30k is better than no k
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Guest: timmbukk Credit Expert (100+ Posts) Posted: Thu Aug 10, 2006 8:39 pm oh...btw, they sent your card out pretty quickly!! Didn't you just apply??
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Guest: spjoink Credit Expert (100+ Posts) Posted: Fri Aug 11, 2006 2:02 am they did ask for resent paystubs, but i just send them the w2 for 2005 and 2004 and they seemed very pleased by that.....the rep told me many people from these creditboards etc have applied lately ...they might change the rules soon ...??? so guys get finger out and apply ...
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Guest: Board Monitor Board Monitor/ Administrator Posted: Fri Aug 11, 2006 8:56 am Wow! I'm impressed guys. Not a bad rate either. Too bad they don't have a rewards card. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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PenFed Platinum Credit Card Application Denied
Guest: spjoink Credit Expert (100+ Posts) Post subject: PenFed Platinum Credit Card Application DeniedPosted: Thu Aug 10, 2006 3:33 pm After getting my Nasa visa , i also became member of Penfed..today i applied for a penfed plat card...GOT DENIEd!! I called for a reconsideration....they said i had to much unsecured credit available??!! Strange i think , because i never had that happened to me before , and a lot of my cards dont show limits and nasa hasnt posted. what you guys think?
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Aug 10, 2006 5:10 pm spjoink wrote: After getting my Nasa visa , i also became member of Penfed..today i applied for a penfed plat card...GOT DENIEd!! I called for a reconsideration....they said i had to much unsecured credit available??!! Strange i think , because i never had that happened to me before , and a lot of my cards dont show limits and nasa hasnt posted. what you guys think? WAIT LIKE 6 MONTHS AND APPLY AGAIN or MOVE ON TO ANOTHER CREDIT CARD
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Guest: jlrdc909 Credit Expert (100+ Posts) Posted: Fri Aug 11, 2006 6:31 am I have a penfed Visa, I rate it as fair. Not by far one of the best card. I would not loose any sleep over it NASA seems to be beating the pants off PENFED
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Guest: spjoink Credit Expert (100+ Posts) Posted: Fri Aug 11, 2006 8:39 am thanks, i spent $40 on it ...$ 20 for the membership fee and $20 to fnd the account...well well you learn from your mistakes
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Juniper/Barclay Bank MasterCard Offer
Guest: AJ Post subject: Juniper/Barclay Bank MasterCard OfferPosted: Fri Aug 11, 2006 6:37 am They acutually gave me a CLI without asking. The account has only been open since Jan 06. I have a 8.9 fixed and an increase of 1000
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Guest: Board Monitor Board Monitor/ Administrator Posted: Fri Aug 11, 2006 8:54 am Interesting. Didn't think they did this. Enjoy! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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