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American Express Blue Credit Card Offer
Guest: credit advisor Post subject: American Express Blue Credit Card OfferPosted: Wed Jan 10, 2007 11:58 pm BigDog if you're just looking for 0% APR on new purchases and aren't concerned about balance transfers then the American Express Blue Card might work for you. With the Blue Card you can get 0% APR for up to 15 months. I took advantage of this offer myself and got the full 15 months at 0%. Last edited by credit advisor on Thu Jan 11, 2007 1:10 am; edited 3 times in total
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Guest: BigDog Posted: Thu Jan 11, 2007 12:14 am Looks to me like I was right. There are not many out there at 0%. I am just looking for purchases. Any other info would be appreciated
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Guest: hate2work Posted: Thu Jan 11, 2007 12:46 am Below are a few sites to check out, and there are more than these out there. Just get your Google Goggles on and jump in app-o-rama.com/best.htm eyeoncredit.com/ CreditCards.com Don- _________________ I before E, except after C. That's weird.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Thu Jan 11, 2007 10:32 am I have had a few pre-approvals for 15 months from chase biz and usbank.....I think the key is making your credit profile look decent to get them....funny thing is that I got the 12 month offers followed by the 15 month when didnt apply...I think advanta has a longer bt offer for new accounts, also.... I would ignore the nonsense about the amex cards with up to 15 months....that is a common complaint that few folks get the full 15 and often end up with 6 months with good credit....
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Credit Card with 0% APR Longer Than 12 Months?
Guest: BigDog Post subject: Credit Card with 0% APR Longer Than 12 Months?Posted: Mon Jan 08, 2007 10:55 pm On the look out for a 0% cards. I know there are a few out there for 12 months at 0%, but are there card offers out there for longer than 12 months at 0%
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Mon Jan 08, 2007 10:59 pm BigDog wrote: On the look out for a 0% cards. I know there are a few out there for 12 months at 0%, but are there card offers out there for longer than 12 months at 0% NO FEE 0.00% BT's are a dying breed (especially longer than 12 months) Also they have been going to massive fees $75 is about the best you can get now $90 and $250 and TOTALLY UNLIMITED are the new deals This gives you the potential of getting a $1,000+ BT FEE
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Guest: angelo21 Posted: Tue Jan 09, 2007 9:30 am You may want to look into products from Citi, Amex and Chase. They offer 0% card for 12 months or more. They also carry no annual fee which is great. As for BT, Citi I believe offers a card with no fee for X amount of time. I do agree with Mouse's comment that they are a dying breed. If you find it and need it take it. You may not find it in the future.
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Guest: hdporter Credit Expert (100+ Posts) Posted: Tue Jan 09, 2007 9:56 am Quote: I know there are a few out there for 12 months at 0%, but are there card offers out there for longer than 12 months at 0% Both 0% offers and no fee offers are becoming scarce, as are offers extending more than 12 mo. For the most part, these are only available through invitation, pre-approved offers. I just took advantage of a 15-mo 0%, no fee offer from Chase (Freedom Signature VISA). Earlier last year, I accepted an 18 mo. card from Chase - 0%, but carried a 3% bt fee, capped at $75. Other than these, I haven't seen any other > 12mo offers. On a cold app, I'm not sure there are any 0% no fee offers out there ... and certainly none extending over 12 mo. - Harry
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Calculate Credit Age?
Guest: howardi Post subject: Calculate Credit Age?Posted: Thu Jan 11, 2007 2:35 pm Anyone know how this is calculated to reflect ur credit AGE? Mine is 6.8yrs?? Thanks
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Guest: hdporter Credit Expert (100+ Posts) Posted: Thu Jan 11, 2007 2:43 pm There are 2 credit ages evaluated ... Age of oldest reporting account Average age of reporting accounts I've interpreted "reporting account", based upon my experience, to be those accounts which are actively updating (updated within the last 3 months). Calculating the age of the oldest reporting account is self explanatory. If the earliest opening date for the accounts actively updating on your report is 7/01, then the oldest account age would be 5.5 years. Average age is also easy to calculate (remember, don't include closed accounts that no longer update). If you have 4 accounts which are 10 yrs, 8 yrs, 5 yrs, and 1 yr old, exactly, then the average age would be 6.0 yrs. For my edification I'd appreciate hearing back on how well this information fits what you see on your report. - Harry
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Guest: howardi Posted: Thu Jan 11, 2007 2:51 pm Understood. What if U have mutiple(2/3) accounts recently openned. 10,8,6,1+1+1>And do they calculate the months as well? Do U have a tier system? Service to others is the rent we pay for living on Earth.
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Guest: hdporter Credit Expert (100+ Posts) Posted: Thu Jan 11, 2007 3:38 pm Each new account opening reduces your average account age. Yes, the calculation is based upon number of months open. As with many of the FICO factors, I wouldn't be surprised if age is evaluated on a tiered basis. However, I don't have any information on this. Opening a new account will obviously have a greater score impact on those with few accounts already opened than those who have a good number. - H.
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Capital One Credit Card with No Fee Balance Transfer Checks?
Guest: Woolfman Post subject: Capital One Credit Card with No Fee Balance Transfer Checks?Posted: Thu Jan 11, 2007 2:44 pm Is anyone still recieving those no fee balance transfer checks from Cap One ? They stopped sending them to me about 2 months ago, maybe they finally smartened up and realized I was using and abusing them and they wern't making any money off me so they took me off the list. Is anyone out there still getting them ? or did they stop them all together ?
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jan 11, 2007 4:02 pm I have one CapitalOne personal account and two business accounts. Last set of checks for the personal account arrived in early December and expired at the end of December. I'm surprised I haven't received new ones. BUT I did receive a set of checks for the older business account yesterday, expiring at the end of January. The other business account is on a 0% interest rate for PURCHASES ONLY for about a year more--it's new--so that might explain why I've never received any checks for that account, so far. Glad to hear I'm not the only one who hasn't gotten purchase checks for the personal account this month. I haven't even gotten a statement yet--my billing date is the 24th and no statement arrived for December. Doesn't matter to me since I don't need it--I'm wondering if something is screwed up at Cap1? Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Balance Transfer Issue with Capital One Credit Card
Guest: Brammy Credit Expert (100+ Posts) Post subject: Balance Transfer Issue with Capital One Credit Card Posted: Thu Jan 11, 2007 2:39 pm My girlfriend got her Crapital One card. She requested a BT to two higher interest rate cards. Now. C1sent one ACH and one Mail. Here's the catc, although one was sent by mail, the charge shows up from the request date not the date the other creditor cashed the check and they can verify payment was made. I've done quite a few BTs in the past and whenever the sender has had to send a check it did not show up on the new card until that check was cashed. A crappy trick to collect interest on money they still have in their bank
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jan 11, 2007 4:19 pm Depends on the bank. Citibank doesn't show the BT until the check posts. American Express shows it as soon as it is issued. So does Bank of America. I don't remember offhand what other banks do. Anyone? Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: Brammy Credit Expert (100+ Posts) Posted: Thu Jan 11, 2007 4:21 pm Yikes!! I never knew that was legal. Like double jeoppardy for credit. You pay interest on both sides of the fence. I've never had noe do that. Its always been AFTER the check was returned to the lender it posts to the account. Even my bank does it that way with bill pay. No wonder they have no BT fees.
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Guest: Evilbunny Credit Expert (100+ Posts) Posted: Thu Jan 11, 2007 5:20 pm Chase also posts it immediatly without waiting for the check to be cashed. Made for a pain in the event that the other company never received the funds But that is their way of getting as much interest as they possibly can
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Credit Limit on my New Credit Card
Guest: hdporter Credit Expert (100+ Posts) Post subject: Credit Limit on my New Credit CardPosted: Thu Jan 11, 2007 4:42 pm btw, it's a breeze to give Chase a call at the number on the app and find out what CL has been assigned ... just in case curiosity gets the better of you - H.
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Guest: canadianpotatoes Posted: Thu Jan 11, 2007 5:08 pm hdporter wrote: btw, it's a breeze to give Chase a call at the number on the app and find out what CL has been assigned ... just in case curiosity gets the better of you - H. This is the best advice I've ever heard.... Congratulations to Alaskan Assassin and PookiePum (and me!) The second credit card of my life has a credit limit of.... $5000 I give all credit to the cardratings.com message board crew.... Thank you so much!!!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
What credit limit will I get on my new credit card?
Guest: canadianpotatoes Post subject: What credit limit will I get on my new credit card?Posted: Thu Jan 11, 2007 4:14 pm Oh actually I gave a good household income because I am a student and currently still a dependent of my parents. It is a 6 figure one (2 working parents) but not mugh higher. I think that should help my credit limit. It is certainly a lot higher than my own student income. Edit: Feel free to adjust your guesses. Given this new information, I am now guessing $3000!!
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Guest: Brammy Credit Expert (100+ Posts) Posted: Thu Jan 11, 2007 4:19 pm canadianpotatoes wrote: Oh actually I gave a good household income because I am a student and currently still a dependent of my parents. It is a 6 figure one (2 working parents) but not mugh higher. I think that should help my credit limit. It is certainly a lot higher than my own student income. You can give your parents income? Is that legal?
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jan 11, 2007 4:22 pm I'll guess $2501, using the old Price is Right odd-amount method. If first prize is one week as Board Monitor, second prize must be two weeks as Board Monitor. Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: canadianpotatoes Posted: Thu Jan 11, 2007 4:32 pm Polonius wrote: I'll guess $2501, using the old Price is Right odd-amount method. If first prize is one week as Board Monitor, second prize must be two weeks as Board Monitor. Using this logic, I will revise my guess: I receive a no limit AmEx Centurion instead of my card and can use it to buy a bentley and charter a jet. How many weeks would this get me?!
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Credit Limit on New Pre-Approved Credit Card
Guest: canadianpotatoes Post subject: Credit Limit on New Pre-Approved Credit CardPosted: Thu Jan 11, 2007 10:12 am sure angelo! you are free to max out any of your cards and PIF whenever you want! I will never stop you! I am trying to win also, so I will cut out my optimism and revise my guess down to 2500. Now I'm hoping to be wrong instead of right, but at least my bet is hedged.. I mean, if I get a low credit limit.. at least I... win a message board contest I created..?
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Guest: darryl237 Posted: Thu Jan 11, 2007 11:17 am $3000 Have fun building up your credit.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: angelo21 Posted: Thu Jan 11, 2007 11:24 am canadianpotatoes wrote: sure angelo! you are free to max out any of your cards and PIF whenever you want! I will never stop you! I am trying to win also, so I will cut out my optimism and revise my guess down to 2500. Now I'm hoping to be wrong instead of right, but at least my bet is hedged.. I mean, if I get a low credit limit.. at least I... win a message board contest I created..? Ha! Good luck. You'll do well and probably surprise us all with the results. But I still want you to pay my statement at the end of the month when I win. TheCardDepot.com Your Credit Card Source
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Guest: shan7 Board Monitor/ Administrator Posted: Thu Jan 11, 2007 11:42 am This sounds fun....however, I would not recommend maxing out your card! LOL. Anyway...my guess is $5,000 too. Regards, Heshan Demel 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!
Chase vs. Citi Credit Card Credit Limit?
Guest: jrjdrayer Post subject: Chase vs. Citi Credit Card Credit Limit? Posted: Thu Jan 11, 2007 11:48 am ...based on my experience with them.......3000
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Guest: Evilbunny Credit Expert (100+ Posts) Posted: Thu Jan 11, 2007 1:36 pm if this is your first card that you have had with Chase, i'm gonna guess $1000
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Guest: hdporter Credit Expert (100+ Posts) Posted: Thu Jan 11, 2007 1:55 pm Quote: if this is your first card that you have had with Chase, i'm gonna guess $1000 I'd certainly look to you, evil, for a strong call on this. However, I would have expected that Chase would take a modest lead from the existing Citi line and go with at least $2K. No? - H.
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Guest: hesiden Credit Expert (100+ Posts) Posted: Thu Jan 11, 2007 4:02 pm canadianpotatoes wrote: Anyway, the point of this game is... ..with that information (the entirety of my credit history) and some factors that could influence the outcome.. Did you tell chase what your income is? That's critical in determing credit limit. Anyway Citi Dividend usually has low limits, so I'd say Chase will give a bigger credit limit. $4500.
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What is your credit card's credit limit?
Guest: Brammy Credit Expert (100+ Posts) Post subject: What is your credit card's credit limit?Posted: Thu Jan 11, 2007 8:15 am 2000
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Guest: angelo21 Posted: Thu Jan 11, 2007 8:41 am Chase is conservative sometimes on the initial issue. I'll quess $3.5K What's the prize? TheCardDepot.com Your Credit Card Source
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Guest: canadianpotatoes Posted: Thu Jan 11, 2007 8:57 am I don't know? A recommendation to Curtis that the winner becomes board monitor for a week?? Does anyone have any ideas? And AA, why not guess between 5000 and 500?
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Guest: angelo21 Posted: Thu Jan 11, 2007 9:25 am canadianpotatoes wrote: I don't know? A recommendation to Curtis that the winner becomes board monitor for a week?? Does anyone have any ideas? And AA, why not guess between 5000 and 500? Nah!!! That's Heshan's (Shan7) responsibilty now. How about letting us max out one of our cards and PIF at the end of the month. Now that's a contest & incentive. TheCardDepot.com Your Credit Card Source
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Pre-Approved for Chase Platinum Mastercard Credit Card
Guest: canadianpotatoes Post subject: Pre-Approved for Chase Platinum Mastercard Credit CardPosted: Thu Jan 11, 2007 1:28 am So I applied for a chase platinum mastercard after being pre-approved and am anxiously awaiting for it to arrive in the mail so I can see what my credit limit is. When I applied, I had about 11 months of perfect credit history and a Citi Dividend card with a limit of $3200. I was using 18% of my credit at the time of the application. They offered me the 21.24% APR which is high, but I PIF every month so it doesn't matter to me. Anyway, the point of this game is... ..with that information (the entirety of my credit history) and some factors that could influence the outcome.. Guess my credit limit! I will update the board when the card arrives in the mail and we will see who the winner is. The person who is closest (above or below) wins. I will start out with my guess/hope. I hope it will be a higher limit than the card I have now, which was my first ever, but judging by the APR they offered me they can't be too excited about my business.. $4000 Now you guess!
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Guest: Spender Posted: Thu Jan 11, 2007 1:50 am 6500
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Guest: Alaskan Assassin Credit Expert (100+ Posts) Posted: Thu Jan 11, 2007 2:33 am 5000 mabe 500 _________________ https://home.americanexpress.com/home/mt_personal.shtml {TOP 3 FAVORITE CREDIT CARDS AND THERE LIMITS} 1)BANK OF AMERICA AK AIRLINES$7000 2)AMEX BLUE SKY$15,000 3)DISCOVER CARD CASH$5000
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Guest: PookiePum Posted: Thu Jan 11, 2007 3:33 am $5000 _________________ creditcardcreditnews.com moneypersonalfinance.com
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