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Citi Dividend Platinum Select vs. Citi Diamond Preferred Credit Cards
Guest: sammy262 Post subject: Citi Dividend Platinum Select vs. Citi Diamond Preferred Credit Cards Posted: Tue Sep 12, 2006 11:48 am I've hit my $300 rebate limit on my Platinum Select card so it's in the sock drawer. With the forthcoming gas/groceries/drugs reward reduction it will probably stay there. I'm now using the Diamond Preferred card, which also gives 5% (5 points per dollar into your ThankYou account) on gas/groceries/drugs. I also use the Citi Professional card for office supply stores and restaurants. This gets 3 points per dollar into my ThankYou account. Has anyone heard if Diamond Preferred is also cutting back from 5% to 2% on gas/groceries/drugs like the Platinum Select? I realize points aren't as good as cash, but I'm happy enough with $50 gift cards for gas and restaurants and whatnot for 5000 points.
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CitiCard Platinum Select Credit Card with Balance Transfer
Guest: guessindigo Credit Expert (100+ Posts) Post subject: CitiCard Platinum Select Credit Card with Balance Transfer Posted: Tue Sep 05, 2006 11:49 pm Citicards Platinum Select. I requested a check for $36,500 at 1.99% for life. Took 20 days for bofa to cash it, they were dumbfounded I guess. Best part was NO FEE. This was 3 years ago. I saved nearly $700 in finance charges. I've done many many more since then. But lately they are going the way of no max as mouse points out. Or they are asking for a $90 fee (bofa)
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Sep 06, 2006 12:09 am guessindigo wrote: Citicards Platinum Select. I requested a check for $36,500 at 1.99% for life. Took 20 days for bofa to cash it, they were dumbfounded I guess. Best part was NO FEE. This was 3 years ago. I saved nearly $700 in finance charges. I've done many many more since then. But lately they are going the way of no max as mouse points out. Or they are asking for a $90 fee (bofa) I (personally) HAVE NEVER PAID BofA ANY BT FEE
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Guest: Bikshu Posted: Wed Sep 13, 2006 1:33 am If properly executed a BT or Checking Cash Advance may be the greatest money you have ever borrowed. I see people on a daily basis that use them to get out of unwieldly debt levels, avoid having to take out a HELOC for home improvements, and even invest the funds to earn interest and get free vacations. But as the others pointed out, you need to know exactly what you are getting into, have an escape route if needed, and play by the bank's rules. If you need to setup an automatic payment to avoid late fees and loss of the promo rate, do it. Whatever it takes to make sure the BT works to your advantage, and not the bank's.
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Guest: hdporter Credit Expert (100+ Posts) Posted: Wed Sep 13, 2006 5:07 am # of Balances Transfered: 5 to 6 per year Interest Rate Offered On Transfer: variable Duration Of Promotional Rate: variable -- 0% for 12 to 18 mo -- 1.99% to 4.99% until paid I'm paying less than 2.25%, on average, on all debt (for 3+ yrs now). Total credit card balances range from $20K to $30K Fee Paid To Transfer: variable - 0% to 3% Average rate paid on transfers is less than 2%. Because transfers are paid off ove 2.5 years on average, with the average balance about 1/2 of the transfer amount (I typically steadily pay down balances rather than make minimum payments until end of promo) effective increase to debt cost from fees is less than 1.5% APR. Combined interest rate and fees yield total effective APR of approx. 3.5% Did You Save As Expected?: Yes. All monthly payments are made on time so that I've never lost a promotional rate prematurely. ------------ Explanation of debt management: I'm not aggressive in seeking out new credit card offers with 0% terms. I expect that those who do typically realize effective APR's (including fees) of 1% or less. (I know, mouse -- you don't pay fees I carry debt that finances durable assets (expected life of 10+ years) and home improvements (e.g. new roof, maintenance on 60+ year old brick ... house age 100+ yrs, replacement windows/casements). I amortize durable asset purchases over 2-3 years -- financing rather than paying in cash since liquid MM funds are earning 5%. I prefer to preserve the liquidity for future financial flexibility. Home improvements are financed over 5+ years -- can be refinanced with HELOC/loan should interest rates on CC at later date deem it advisable. (Home is 30% leveraged with current mortgage/HELOC debt.) - Harry
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Sep 13, 2006 8:37 am hdporter I HAVE PAID A BT FEE or TWO MBNA IS $75 But never for BofA
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Credit Cards with Balance Transfer Offer
Guest: Board Monitor Board Monitor/ Administrator Post subject: Credit Cards with Balance Transfer OfferPosted: Mon Sep 04, 2006 8:53 am Love BT! Good thread idea. Have done many over the years and have never regretted doing any. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter! Last edited by Board Monitor on Wed Sep 13, 2006 7:34 am; edited 1 time in total
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Guest: AJ Posted: Tue Sep 05, 2006 7:59 am the balance with the lowest rate will be paid down first, therefore , if you do a transfer make sure there are no purchases on the card at the higher rate. I have a RSB Card ( Known as Citizens Bank) that has two offers. 3.9 fixed until the balance is paid in full or 0 percent until Feb 07
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Tue Sep 05, 2006 8:50 am US BANK MBNA BofA All are doing 3% or 4% WITH NO MAX BT FEE READ THE FINE PRINT!!! $30,000 X 4% = $1,200 Be real careful with a no limit BT fee
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Guest: fire3000 Credit Expert (100+ Posts) Posted: Tue Sep 05, 2006 9:43 pm I have accepted many credit card BT and low rate convenience check offers over the last five years. The amounts totaled in the hundreds of thousands of dollars. I always payoff the cards two weeks before the low rates end and have never been late with a payment. This month alone I will payoff four cards totalling $54,000. Next month the same issurers (Chase and BoA) will send me more low rate blank checks to begin the cycle again. I invest the money at local banks to earn a tidy profit.
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Experience with Credit Card Balance Transfers
Guest: credit advisor Post subject: Experience with Credit Card Balance TransfersPosted: Sun Sep 03, 2006 1:27 pm I'm interested in knowing people's experiences with credit card balance transfers. These offers seem great on the surface - but are they? Please share your experiences with credit card transfers for those who may be considering doing this. Thanks. # of Balances Transfered: Interest Rate Offered On Transfer: Duration Of Promotional Rate: Fee Paid To Transfer: Did You Save As Expected?: _________________ www.Credit-Card-Surplus.com
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sun Sep 03, 2006 1:50 pm THERE IS NEVER A DOWN-SIDE TO A BALANCE TRANSFER AS LONG AS YOU DON'T PAY MORE TO DO SO Sometimes the BT FEE makes the BT APR "COST" MORE than what you are trying to pay off
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Mon Sep 04, 2006 2:05 am # of Balances Transfered: 1 transfer to citi bank Interest Rate Offered On Transfer: 0% Duration Of Promotional Rate: 12 months Fee Paid To Transfer: $0 Did You Save As Expected?: yes
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Mon Sep 04, 2006 8:24 am Done lots of bt's and no problems...apparently the terms are too difficult for some folks...I have had several coworkers screw them up..not have the money at the end or put purchases on the card....it's not rocket science..know the terms and do some kind of tracking and have an escape plan.
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New Travelocity Credit Card with 2% Cash Back
Guest: maddybeagle Credit Expert (100+ Posts) Post subject: New Travelocity Credit Card with 2% Cash BackPosted: Tue Sep 12, 2006 12:44 pm from fat wallet (a barclays/juniper card): http://www.travelocity.com/rewards Get a free airline ticket** with only 20,000 Points 5,000 Points for a $50 statement credit 7,500 Points for a $100 statement credit 15,000 Points for a $200 statement credit 20,000 Points for a FREE airline ticket (value upto $400) 40,000 Points for a $800 statement credit About Points Earn 3 Points for every $1 on Flight + Hotel packages Earn 2 Points for every $1 on air travel, hotels and more! Earn 1 Point for every $1 spent everywhere MasterCard is accepted $29 annual fee, waived first year Receive 5000 bonus points and 6 month intro 0% APR if you are approved Earn one Point per $1 in balance transferred requested in the first 30 days after you open your account, up to a maximum of 5,000 Points. Last edited by maddybeagle on Wed Sep 13, 2006 10:32 am; edited 2 times in total
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Sep 13, 2006 9:46 am I like the looks of this card. More details here: http://www.delawareonline.com/apps/pbcs.dll/article?AID=/20060913/BUSINESS/609130330/1003 I am also proud to say that www.CardRatings.com is featured in this article. _________________ 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: maddybeagle Credit Expert (100+ Posts) Posted: Wed Sep 13, 2006 10:23 am ok thanks for the article....there is a max. bt fee of 50 bucks, but considering if you do a bt of at least 5000, you get the 5000 pts extra in the first 30 days....total of 10,000 points to start makes it not so tough to get to the 40,000 cash redemption. Easier than the old power rewards! I just applied and was approved online....I dont have any other juniper cards (first one)....Didnt tell me what my limit was though I will report latter in the day what CRA was pulled....plan to try to get the fee waived the second year or cash out and convert to another card if can.
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Two CLI This Year on my MBNA Credit Card Account
Guest: crybaby Post subject: Two CLI This Year on my MBNA Credit Card AccountPosted: Wed Sep 13, 2006 10:05 am I'm calling shens on mouse. I would like to see the scan please. _________________ Reality only hurts when you accept it!
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Sep 13, 2006 10:28 am crybaby wrote: I'm calling shens on mouse. I would like to see the scan please. AND I INFER YOU ARE ALSO SAYING I LIED WHAT BENEFIT DO I GET FOR LYING??? shens???
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Sep 13, 2006 12:00 pm What year did you get that letter, mouse? Possibly the policy has changed since then. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: guessindigo Credit Expert (100+ Posts) Posted: Wed Sep 13, 2006 12:28 pm I can verify that (in my case) bikshu is correct. Although I call a different # to reach the credit dept, all of my increases (2 cli requests this year) have been approved immediately while on the phone with only a soft inquiry. Amazing. I love MBNA
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Hard or Soft Pull for CLI Requests by Existing Credit Card Accounts?
Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Post subject: Hard or Soft Pull for CLI Requests by Existing Credit Card Accounts?Posted: Wed Sep 13, 2006 8:16 am AS FAR AS AFFECTING FICO (HARD) or SOFT YOU CAN BE WRONG 50% OF THE TIME
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Sep 13, 2006 8:22 am YOU HAVE THE POWER TO INCREASE MY CREDIT LIMIT SOMETHING REAL STRANGE LIKE--->$1,617 I WILL BOW TO YOUR GREATNESS F.Y.I.--I HAVE EVEN ASKED FOR A $400 CLI TO ROUND IT OFF TO THE NEXT $1,000
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Sep 13, 2006 8:27 am I don't have a SMALL credit limit (by some standards) That could be a reason BUT IT IS SMALL WHEN MBNA QUANTUM ADVERTISES "UP-TO" $250,000 BUT I HAVE LESS THAN $35,000 AT UNDER $35,000 IT IS ONE OF MY LOWER LIMITS
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Guest: crybaby Posted: Wed Sep 13, 2006 10:05 am I'm calling shens on mouse. I would like to see the scan please. _________________ Reality only hurts when you accept it!
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Credit Card Credit Line Increase Request Causes Hard Pull on FICO?
Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Post subject: Credit Card Credit Line Increase Request Causes Hard Pull on FICO?Posted: Wed Sep 13, 2006 1:54 am 11th YEAR NO CLI I WAS TOLD BY THE EXECUTIVE OFFICES TO NEVER ASK AGAIN FOR A NO HARD CLI ANY FUTURE REQUESTS WILL BE IGNORED
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Guest: Bikshu Posted: Wed Sep 13, 2006 3:32 am OK, I apologize. I completely forgot that we do indeed do hard pulls when we receive CLI requests for people named Mouse, but only for people named Mouse... For every other one of the millions of accounts we hold we do soft pulls on existing account CLI requests. Folks I'm not lying, I have absolutely no reason to lie about something like this. With the beautiful anonymity of the Internet, I am as free to bash my own employer (and any other bank) as everyone else here. If there is something about my bank that I dislike, you can bet that I'll voice it loud and clear (such as our remarkably cruddy rewards programs and the two-day timeframes for Internet payment posting). Actually, I asked for and received a CLI on my own personal MBNA AmEx Rewards card fairly recently and it has never even registered with my Equifax credit monitoring service. Additionally, I very recently received my lending authority from the bank in question. Technically, according to said bank I can now call myself a credit analyst (although I admittedly still do not work in the consumer credit department). And although I don't work in the credit department, I still most certainly do increases/decreases/shifts in credit lines every day. Therefore, I am quite well aware of bank policy regarding credit line management and now pull bureaus on a fairly regular basis. If anyone has any doubts, feel free to call MBNA's credit department. The number directly to the department is 1-866-297-4235. They are open 8:00 AM - 10 PM EST Monday through Friday and reduced hours Saturday (I think until 5 PM EST). Ask the analyst you speak with if he'll pull your credit report for a CLI (the answer will be yes). Then ask him if it will be a hard pull (he'll say no). Then just to be 100% sure ask him if the CLI request will in any way negatively impact your FICO (he'll say no). As for Mouse's experience, without further details of his situation I will neither confirm nor deny his allegations. All I can say is his allegations run contrary to bank policy and this can be easily verified by each and every one of you with a quick phone call...
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Sep 13, 2006 7:39 am Thanks for your feedback Bikshu! Much appreciated. Appreciate you too Mouse (as always). _________________ 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: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Sep 13, 2006 8:12 am I GUESS I NEED TO SCAN THE LAST LETTER FROM THE EXECUTIVE OFFICES AND POST IT HERE TO PROVE THAT I AM NOT LYING LAST CLI WAS $500 BETWEEN 08/1995 and 09/1995 I AM ON MY 11th YEAR OF MBNA QUANTUM WITH NO CLI "YOUR REQUEST WAS ADDRESSED AND ADDRESSED AND ADDRESSED ANY FUTURE REQUESTS FOR A HARD FREE CREDIT LIMIT INCREASE ARE FRIVOLOUS AND WILL BE IGNORED" (I MAY HAVE FORGOT SOME OF THE WORDS...BUT IT IS BURNED INTO MY MEMORY)
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Credit Line Increase With Continual Usage of Credit Card
Guest: eriqnoodle Post subject: Credit Line Increase With Continual Usage of Credit CardPosted: Sat Sep 09, 2006 6:07 pm I've had this card for a couple years now, they never have increased my CL when I hit the button; however, with continual usage of the card, they will increase the CL through their own reviews of the account. Now that MBNA is BOA, it may change because I know with BOA they do allow automatic CL increases much as like Amex does on their site.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Sep 09, 2006 7:24 pm QikPass wrote: Squeak, that QUANTUM card you have. Is there a minimum credit limit they start you out with on that? I'm thinking of switching my Charles Schwab card to that one if possible and was wondering that means an auto upgrate, etc. And any other differences between Quantum and say Signature/Worldcard other than the name? WAS $5,000 or $10,000 (I THINK)
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Guest: Bikshu Posted: Wed Sep 13, 2006 1:18 am MBNA does not have a Luv Button, it will always present you with the form to fill out. This is because they are a judgemental lending institution (meaning a real human analyst always reviews the request, its not simply a computer quickly reviewing your FICO score). The good news is that with MBNA (this is not true with any other bank that I know of) CLI requests on existing cards are soft pulls... not hard pulls. Now if you have an MBNA account and apply for a new one, that would require a hard pull. But for a simple CLI on an existing account, it is a soft pull. Non-Transparent MBNA accounts should be running on BOA online banking by November so perhaps the Luv Button will become available very shortly. In the meantime, given proper account usage the credit line hold should be removed from your account after six months at the latest. Once this hold is off you will begin to receive the auto CLI's every few months as long as you keep maintaining a good history/usage. CLI notices will be mentioned in the "Important News" section of your statements and may come on seperate BT offer notices every now and then. Also, if you call in to the BT department, reps will sometimes offer you instant CLI's as well (these CLIs tend to be the most generous auto CLI's the bank offers as well). Mouse is correct. Quantum carries a minimum line of $10,000. Signature and World cards are both superior to Quantum in terms of benefits and features. (MBNA hierarchy: Signature/World>Quantum>Platinum>Gold>Classic). Both feature no pre-set spending limits, extended warranties, special Visa/MC benefits, trip cancellation insurance, etc. that Quantum does not carry. My personal recommendation QikPass is stick with Schwab... you guys get preferrential rate and fee structures compared to regular MBNA/BOA accounts. Eventually Schwab will offer a Signature card and/or World card, it is in development now. At that point you can just upgrade your current account and keep the Schwab affinity (again this is definitely in your best interest).
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Sep 13, 2006 1:51 am Bikshu wrote: MBNA does not have a Luv Button, it will always present you with the form to fill out. This is because they are a judgemental lending institution (meaning a real human analyst always reviews the request, its not simply a computer quickly reviewing your FICO score). The good news is that with MBNA (this is not true with any other bank that I know of) CLI requests on existing cards are soft pulls... not hard pulls. Now if you have an MBNA account and apply for a new one, that would require a hard pull. But for a simple CLI on an existing account, it is a soft pull. Non-Transparent MBNA accounts should be running on BOA online banking by November so perhaps the Luv Button will become available very shortly. In the meantime, given proper account usage the credit line hold should be removed from your account after six months at the latest. Once this hold is off you will begin to receive the auto CLI's every few months as long as you keep maintaining a good history/usage. CLI notices will be mentioned in the "Important News" section of your statements and may come on seperate BT offer notices every now and then. Also, if you call in to the BT department, reps will sometimes offer you instant CLI's as well (these CLIs tend to be the most generous auto CLI's the bank offers as well). Mouse is correct. Quantum carries a minimum line of $10,000. Signature and World cards are both superior to Quantum in terms of benefits and features. (MBNA hierarchy: Signature/World>Quantum>Platinum>Gold>Classic). Both feature no pre-set spending limits, extended warranties, special Visa/MC benefits, trip cancellation insurance, etc. that Quantum does not carry. My personal recommendation QikPass is stick with Schwab... you guys get preferrential rate and fee structures compared to regular MBNA/BOA accounts. Eventually Schwab will offer a Signature card and/or World card, it is in development now. At that point you can just upgrade your current account and keep the Schwab affinity (again this is definitely in your best interest). SOFT LIE (in my case)
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How can I get a credit line increase on my new MBNA WorldPoints credit card?
Guest: bullwinkle29 Credit Expert (100+ Posts) Post subject: How can I get a credit line increase on my new MBNA WorldPoints credit card?Posted: Wed Sep 06, 2006 12:12 am i just recieved my new MBNA world points card. couple questions. on there CLI luv button, is there ever pre-approved amounts like amex? how long does the account have to be open for before it will give or grant in increase? thanks
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Guest: rapjunkie Credit Expert (100+ Posts) Posted: Wed Sep 06, 2006 4:18 am I've never seen preapproved CLIs on there... but they give automatic ones periodically if you use the card. I can't really recall a time frame for the increases, but every now and then they just give you the pleasant surprise of a pretty significant increase... in my experience they have been better than all others at CLIs.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Sep 06, 2006 6:41 am bullwinkle29 wrote: i just recieved my new MBNA world points card. couple questions. on there CLI luv button, is there ever pre-approved amounts like amex? how long does the account have to be open for before it will give or grant in increase? thanks STILL WAITING.... 5...6...7...8...9...10...11 YEARS YOU CAN FILL OUT A FORM (HARD)
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Guest: QikPass Credit Expert (100+ Posts) Posted: Wed Sep 06, 2006 10:36 am Squeak, that QUANTUM card you have. Is there a minimum credit limit they start you out with on that? I'm thinking of switching my Charles Schwab card to that one if possible and was wondering that means an auto upgrate, etc. And any other differences between Quantum and say Signature/Worldcard other than the name? _________________ Fortune Favors The Bold...
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