Money Tips

Is Discover a major credit card?

2007-04-27T16:50:00.000-05:00

Guest: TomfromCT
Credit Expert (100+ Posts)
Post subject: Is Discover a major credit card?
Posted: Thu Apr 26, 2007 1:42 pm

I used to go to CB too. But I got branded a pro- collection agency person.... which is utterly laughable.

And I didnt want to take **** from an idiot over there which got me flamed a bunch.

Oh well.

I;ll say this about Discover, they made good inroads when they started but just kinda petered out. There are stuck in that gray area between being a major card and just some fringe item you really don;t need.

They have been good and I like the card. Their 0% offer on purchases and BT's for one year was great.

As for the Motiva. I looked at it after reading this thread.

I can not see any reason to get it if you already have a Discover card. It didn;t look appealing to me even if I didn;t already have a Discover card.
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Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:58 pm

AS I SAID EARLIER, MOTIVA IS LOOKS GOOD TO ME FOR THE REASON IT AVG DAILY BALANCE AND NOT 2 CYCLE BILLING, GREAT IF YOU NEED TO CARRY A BALANCE FOR A MONTH
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Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:59 pm

TomfromCT wrote:
I used to go to CB too. But I got branded a pro- collection agency person.... which is utterly laughable.

I think it's hilarious how often they do that. "Don't agree with me? Then you must be a collection agent!"

They banned me. I considered it a compliment.

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Discover Credit Card vs. CitiBank

2007-04-27T16:44:00.000-05:00

Guest: RacieRacer
Credit Expert (100+ Posts)
Post subject: Discover Credit Card vs. CitiBank
Posted: Thu Apr 26, 2007 12:59 pm

multiplierx wrote:
Evil would be forcing people to sign up for that junk.

Fortunately no banks do that. Anyone with those horrible cards brought them on themselves.

I'm not a believer of "predator lending". I'm a believer in personal responsiblity.

Why don't you like Discover? I haven't been in a Sears for years and never been in a Dollar General so I'm not sure of the association you made. Can you beat a 12 month 0% 0 fee BT?

Yeah I used to slum over at CB. I feel dirty now just thinking about it.

Yep. Citi Professional has that but they give you a $150 gift card as well.

I think of Discover somewhere in between Crap1 and BofA/Amex/Citi etc.

I've known a lot of people in my lifetime that had a Discover but could not get a BofA/Amex/Citi etc.

If I'm out somewhere and I see someone whip out a Discover I'm about as impressed as if they whipped out a Crap1.

JMHO

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Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:05 pm

I forgot about that Citi card. I figured they added fees like all their cards have lately.

Credit cards don't impress me in that regard so I can't really comment on that.

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Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 1:07 pm

Have you ever had or applied for Discover?

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Discover Credit Card Purchase

2007-04-27T16:38:00.000-05:00

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: Discover Credit Card Purchase
Posted: Wed Apr 25, 2007 7:08 pm

Discover really wants me to make a purchase. They are offering me $20 cash reward to make just 1 purchase before June.

I need to go back and look at the fine print and see if buying a 1 cent stamp will be enough. I'm going to be carrying that 0% BT until February 2008.

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Guest: rixey
Posted: Wed Apr 25, 2007 7:16 pm

I have used Discover Card for many years and never had a problem. Every three-four months they offer programs that will reward you with a 5% cash back credit. When you reach the first $20.00 you can request cash, double your reward for purchases on their site or even apply to your balance, or leave it alone to use when you want.

I pay in full each month, so I pay no interest, and I was able to apply $200. to my balance in March.

Recommend the card…..But…each their own.

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Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 12:22 pm

multiplierx wrote:
Out of all of my cards, I am beginning to favor Discover among the top. I am currently carrying a 0% 0 fee BT on it. Can't beat that.

After I'm done with that, I'm looking forward to taking advantage of the 5% cash back rewards. Every 3 months it's a different category. They don't appear to be all that restrictive and are mostly for common everyday purchases. It'll be nice to get 5% back on purchases that I now only get 1-1.25% on.

So far I've been 100% satisfied with their operations, from customer service to the operation and design of their website. So far it's been no-nonsense.

I must be odd in the fact I don't "hate" any banks or credit cards. I've never had a problem so bad it couldn't get straightened out. I've never once felt "screwed over" by a bank. I think the bulk of most peoples hatred for banks is just sour grapes and failure to read their T&Cs.

(are you the poster known as mulitplier on CB?)

I hate Crapital one with a passion. Some people love Crap1. (they are decent to my DH though)

I hate First Premier, Rewards 660, Aspire and the likes. No I never had any of these but they are evil as I can see just from looking at their ads/websites.

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Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 12:49 pm

Evil would be forcing people to sign up for that junk.

Fortunately no banks do that. Anyone with those horrible cards brought them on themselves.

I'm not a believer of "predator lending". I'm a believer in personal responsiblity.

Why don't you like Discover? I haven't been in a Sears for years and never been in a Dollar General so I'm not sure of the association you made. Can you beat a 12 month 0% 0 fee BT?

Yeah I used to slum over at CB. I feel dirty now just thinking about it.

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Discover Credit Card With 0% Balance Transfer Fee

2007-04-27T16:31:00.000-05:00

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: Discover Credit Card With 0% Balance Transfer Fee
Posted: Wed Apr 25, 2007 6:51 pm

Out of all of my cards, I am beginning to favor Discover among the top. I am currently carrying a 0% 0 fee BT on it. Can't beat that.

After I'm done with that, I'm looking forward to taking advantage of the 5% cash back rewards. Every 3 months it's a different category. They don't appear to be all that restrictive and are mostly for common everyday purchases. It'll be nice to get 5% back on purchases that I now only get 1-1.25% on.

So far I've been 100% satisfied with their operations, from customer service to the operation and design of their website. So far it's been no-nonsense.

I must be odd in the fact I don't "hate" any banks or credit cards. I've never had a problem so bad it couldn't get straightened out. I've never once felt "screwed over" by a bank. I think the bulk of most peoples hatred for banks is just sour grapes and failure to read their T&Cs.

Last edited by multiplierx on Wed Apr 25, 2007 7:05 pm; edited 1 time in total

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Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 6:59 pm

2 cycle billing - People should know that going in so if they choose to carry a balance, they have nothing to complian about.

Years ago, I've suffered through things people get themselves upset about. Rate Jacked? Once. I brought it on myself. Account closed? Yes, brought it on myself, and later had the account reopened and still have the card today.

In nearly all complaints I see about banks, the consumer did something to bring on their troubles. The bank was just following their T&C.

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Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 7:02 pm

I rather like Discover. Their cash back is easy now that I am finishing a 0% offer it will get used alot again.

As for hating banks, I have to agree with multiplier.

I hate providian.wamu - they rejected me.

I am dissappointed with Cap 1. They wont increase my credit line but they took a chance on me when no one should have so - I cant be all that upset with them.

I hate AMEX. I screwed them once and they wontgive me new credit - how dare they take that attitude and approach!!!
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Not Impressed with Discover Credit Card

2007-04-27T16:25:00.000-05:00

Guest: RacieRacer
Credit Expert (100+ Posts)
Post subject: Not Impressed with Discover Credit Card
Posted: Wed Apr 25, 2007 2:14 pm

I've never been impressed by Discover. There are people who think Discover is top of the line, cream of the crop, top of the hill, prime of the prime. But I don't. When I think of Discover, I think of Sears & Dollar General.

Discover = Crap1 IMO.

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Guest: xace
Posted: Wed Apr 25, 2007 2:31 pm

RacieRacer wrote:
I've never been impressed by Discover. There are people who think Discover is top of the line, cream of the crop, top of the hill, prime of the prime. But I don't. When I think of Discover, I think of Sears & Dollar General.

Discover = Crap1 IMO.

Discover is not Capitol One by any means. I trust Discover to report correctly give me decent limits and not jack my interest rate. I will keep my Discover card forever. Also another note, it was the most difficult card for me to get.

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Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 2:38 pm

xace wrote:
RacieRacer wrote:
I've never been impressed by Discover. There are people who think Discover is top of the line, cream of the crop, top of the hill, prime of the prime. But I don't. When I think of Discover, I think of Sears & Dollar General.

Discover = Crap1 IMO.

Discover is not Capitol One by any means. I trust Discover to report correctly give me decent limits and not jack my interest rate. I will keep my Discover card forever. Also another note, it was the most difficult card for me to get.

Discover = Dollar General & Sears in my book. (& crap1)

Kohl's was the most difficult card for me to get, and Lowes still won't give me a card. (& I have about every other GEMB card that exists and I never stiffed Lowes)

BofA, on the other hand, was the 1st to give me a card in years. I love BofA, others hate them with a passion.

Whatever bank 1 person loves another person will hate it.
Whatever card you hate, someone else will love it.

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Do Not Want Two Discover Credit Card Accounts

2007-04-27T15:41:00.000-05:00

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Do Not Want Two Discover Credit Card Accounts
Posted: Sat Apr 14, 2007 1:57 pm

Still waiting for a Discover Motiva taker

Does this card just not make any sense? Or is no one intrested. I don't want 2 Discover cards which is why I haven't jumped in the pool
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Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Sat Apr 14, 2007 2:04 pm

AJ wrote:
Does this card just not make any sense? Or is no one intrested. I don't want 2 Discover cards which is why I haven't jumped in the pool

Isn't it for people who carry a balance & pay interest?

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Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Sat Apr 14, 2007 4:38 pm

it's also the only discover card that does not use 2 cycle billing
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Wait Six Months Between Credit Card Credit Line Increase Requests

2007-04-27T15:39:00.000-05:00

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Wait Six Months Between Credit Card Credit Line Increase Requests
Posted: Fri Apr 27, 2007 10:47 am

xace I look for your new updates, your a riot!!
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Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Fri Apr 27, 2007 1:41 pm

Amex has always been PIF for me. So it's always been 0, after I made a payment.

It's been six months since I hit the luv button. It'll probably be another six before I think about it again.

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Will Wait Six Months After Opening AMEX Platinum for New Credit Card

2007-04-27T15:36:00.000-05:00

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Will Wait Six Months After Opening AMEX Platinum for New Credit Card
Posted: Fri Apr 27, 2007 7:36 am

Xace , you are out of control with your cards & limits
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Guest: AJ
Credit Expert (100+ Posts)
Posted: Fri Apr 27, 2007 7:39 am

reason for asking the question, some banks won't give you more because you don't use up what you have, then when you do, they reject you because you're using too much
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Guest: xace
Posted: Fri Apr 27, 2007 9:09 am

AJ wrote:
Xace , you are out of control with your cards & limits

I know. I need to slow down for awhile which is what Im going to do. Let some of this new stuff age. After receiving my new AMEX Platinum I plan to wait about 6 months to a year before opening anything new.

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Want to Request Credit Line Increase on my Credit Card

2007-04-27T15:29:00.000-05:00

Guest: AJ
Credit Expert (100+ Posts)
Post subject: Want to Request Credit Line Increase on my Credit Card
Posted: Fri Apr 27, 2007 5:39 am

Question For Memebers Of The "Luv Button CLub"

How close are you to your limit, (or what is your balance) when you decide to ask for more nourishment
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Guest: xace
Posted: Fri Apr 27, 2007 5:55 am

I try to have my balances below 20% when asking for LUV.

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Guest: davej
Posted: Fri Apr 27, 2007 7:18 am

100% far from my limit (i.e. $0 balance) and still asking for luv It just feels like it's about time...

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Travel Rewards Credit Card

2007-04-27T15:12:00.000-05:00

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Travel Rewards Credit Card
Posted: Thu Apr 26, 2007 12:35 am

Sometimes you just have to book your flight 330 days out

or

Be willing to book and go with less than 4 weeks

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Guest: kenn
Posted: Thu Apr 26, 2007 1:02 pm

Thanks again for the advice. While I agree that FF account restrictions very substantially limit their use, they are still better than a kick in the pants; that is not the subject of my particular inquiry just now. I am assuming that my FF accounts have enough potential value that I should maintain them in an active status, and am simply looking to do so easily. Because my schedule is likely to leave little time for travel in the next 2 or 3 years I currently keep program accounts active awkwardly: by making small purchases from vendors that participate with the airlines or hotels, by dining with credit cards linked to airline programs through restaurant promotional programs, etc, and by using the few traditional airline credit cards that have means to bypass fees, as the Citibank AA card through their CitiGold program.

I suspect the accuracy of the posting to the effect that the credit card I seek does not exist. Nonetheless, I cannot see why it should be any problem to offer such a card since some hotel frequent guest programs offer exactly what I am seeking, though with limited flexibility and unattractive point conversion rates, and since car rental companies arrange to offer actual mileage to any of numerous airline and hotel patronage accounts.

Anyway, I am not in this inquiry looking for easier means to redeem mileage, but simply to transfer from card points to airline mileage and hotel points about once a year with substantial flexibility. If anyone comes across a card that offers actual mileage transfers to FF & hotel programs, that's what I'd like to know.

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Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 2:05 pm

I don't know if this will please you any more than anything else, but have you considered the Citi PremierPass Elite Card?

Earn points for the things you buy and the miles you fly on any airline
2 points for every dollar spent at supermarkets, drugstores, gas stations, commuter transportation and parking merchants2
1 point for every dollar spent on all other purchases2
1 point for every mile you fly on any airline2
1 point for every mile flown by anyone else whose ticket you buy with your card1
Here's an example to show how fast your points can add up... If you were to buy two $350 tickets (one for yourself and one for a friend) on a 6,000 mile round-trip flight, you'd earn 12,700 points. On top of that, you can earn miles in the frequent flyer programs you are enrolled in.

Travel on Any Airline with No Blackout DatesWith the booking tool powered by Expedia® from ThankYouSM Network, you will have maximum flexibility to the way you want—on any carrier with no blackout dates. You can also redeem discounts on hotel stays, gift cards, home electronics, merchandise and more through ThankYou Network, one of the most flexible and versatile rewards programs. http://www.citicards.com/cards/wv/cardDetail.do?screenID=901

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Guest: kenn
Posted: Fri Apr 27, 2007 2:07 pm

Thanks for the suggestion. I have not looked at the card you mention in any detail, but Citibank has told me in some extensive discussion that they offer no cards such I wish. From your description, it would appear that the card offers something of the reverse of my needs: it appears to offer points for mileage actually flown - and my problem arises from not currently flying at all - and it awards travel (that is, tickets) rather than miles, or awards other ThankYou program merchandise.

I think I'm just out of luck. I'll just have to keep remembering how to juggle partners around - this credit card for sending dining points to US, that card for sending them to United, TGIF annual meal for Radisson; then checking annually to see which account I still have to use for FTD flowers and to buy garbage bag supplies for a second lifetime. Life could be worse.

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Mileage Credit Cards Have High Fees

2007-04-27T15:11:00.000-05:00

Guest: kenn
Post subject: Mileage Credit Cards Have High Fees
Posted: Wed Apr 25, 2007 10:01 pm

The cards that you list, and which are the only types that I know of to offer actual mileage, are of the sort that I refer to as 'high-fee' and 'associated with only one airline'. The Citibank AA card, for example, is around $85 annually (waived for CitiGold customers). On the other hand, when renting a car I can specify which airline or hotel should receive mileage with each rental, and, even better, with many hotel and airline frequent-guest point accounts I can transfer points and miles back and forth at will between the hotel points program and several airline FF accounts (although with conversion rates that provide diminishing returns each way, as when exchanging money).

I do not want to pay a fee and I do not want to remember which cards to use when. There are numerous cards that incur no fees and advertise mileage on any, or any of numerous, airlines - but in fact, those that I have checked do not allow any actual transfer of miles, but award travel tickets entirely independently of one's FF account (if any).

I would like a card that works more like a hotel frequent-guest account. I could spend $10K, say, and then at the end of the year divvy up the 10,0000 miles into whatever ten air (and hotel) patronage accounts have been inactive all year. This should be attractive to issuers because it would be the card I would use most constantly; and the program costs and mechanics should not be too onerous because many hotel accounts are set up exactly this way.

I do have some of the cards listed in the posts above, but I have to remember too much about activity levels in FF accounts to determine what card to use when, and some of these cards incur fees. Adding mileage to my FF accounts is much more useful to me than obtaining travel awards directly because I have numerous FF and hotel accounts with high balances but which are relatively inactive these days, thus at risk of forfeiture. I would like only one single card that awards mileage on any and all FF and hotel accounts rather than travel on any airlines. Such an arrangement should not be that difficult since the hotels do so.

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Guest: LustfortheMoment
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 11:27 pm

Quote:
I would like only one single card that awards mileage on any and all FF and hotel accounts rather than travel on any airlines.

It DOESN'T exist.

I have over 200,000 United FF miles and 250,000 Delta Skymiles but have closed both my Mileage Plus and AMEX Skymiles cards. Why?? Because it has become more and more difficult to get domestic flights for only 25,000 miles. I've had more luck with United than Delta, but in reality you often have to expend 50,000 miles to get the flights which you wish. When I costed it out, I found that I was better off getting around $1400/year from AMEX Blue Cash than in continuing with the FF cards.

JMHO........

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Guest: hdporter
Credit Expert (100+ Posts)
Posted: Thu Apr 26, 2007 12:25 am

I agree with you on the frustration these days with FF accounts. Unless you book well in advance (say, 4 mo or more) it can be difficult to secure an economy seat for 25K mi.

I had one experience last year where that turned out to be not such a bad thing. We went to Hawaii in late Nov and I had planned to redeem 25K, we were booking in early Oct and those tickets weren't to be had. So, we had to pop 100K for the two of us -- but, as it was, we could get first class for the same mileage.

It was a milage splurge that we wouldn't have gone for otherwise, preferring not to burn 2 trips in one. But we loved the extra comfort for the long haul from Philly -- it was simply glorious. Can't tell you just how much of a pleasure it was to recline our seats almost entirely horizontally for the red-eye flight home!

- Harry

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Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Travel Rewards Credit Card
Posted: Thu Apr 26, 2007 12:35 am

Sometimes you just have to book your flight 330 days out

or

Be willing to book and go with less than 4 weeks

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Credit Cards with Travel Rewards

2007-04-27T14:59:00.000-05:00

Guest: kenn
Post subject: Credit Cards with Travel Rewards
Posted: Wed Apr 25, 2007 8:55 am

Some of my cards claim explicitly to offer so many miles per dollar for various airlines, but in fact they award only travel/tickets, not mileage at all. Excluding the high-fee cards associated with a single airline, are there any cards that offer actual transfer of mileage, say in 1000 mile increments, into numerous major airlines (hotel accounts, too)? I am more interested in keeping inactive FF accounts active. I am looking for a card that works more like a car rental company's award system: once a year I could just transfer 1000 points from the accumulated card 'reward' balance into equivalent mileage in each of several FF accounts which I could specify at the time.

Such transfers within programs of the hospitality and travel industries appear to be common (albeit with diminishingly attractive conversion rates), but I do not find similar bank programs. Direct purchase of mileage points from airlines tends to be prohibitive. At present I have to remember which card is linked to what airline for dining mileage promotions, when to buy annual FTD flowers, etc. (I bought a lifetime supply of garbage bags last day of the USAirways year....)

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Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 2:43 pm

kenn wrote:
Some of my cards claim explicitly to offer so many miles per dollar for various airlines, but in fact they award only travel/tickets, not mileage at all. Excluding the kigh-fee cards associated with a single airline, are there any cards that offer actual transfer of mileage, say in 1000 mile increments, into numerous major airlines (hotel accounts, too)? I am more interested in keeping inactive FF accounts active. I am looking for a card that works more like a car rental company's award system: once a year I could just transfer 1000 points from the accumulated card 'reward' balance into equivalent mileage in each of several FF accounts which I could specify at the time.

Such transfers within programs of the hospitality and travel industries appear to be common (albeit with diminishingly attractive conversion rates), but I do not find similar bank programs. Direct purchase of mileage points from airlines tends to be prohibitive. At present I have to remember which card is linked to what airline for dining mileage promotions, when to buy annual FTD flowers, etc. (I bought a lifetime supouy of garbage bags last day of the USAirways year....)

Well I have Citi AA card and it gives me FF miles and I have US Air from Juniper/Barclays and it gives me FF miles. Amex gives Delta Sky miles. There are several others.

What card are you thinking of that does not give actual FF miles?
Something like the Crap1 one big hassle card?

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Guest: angelo21
Credit Expert (100+ Posts)
Posted: Wed Apr 25, 2007 3:12 pm

I think you need to check your FF programs.

With Delta, I used to get double mileage for purchasing my ticket with an Amex card (any one). This was indifferent of what I could get from my card.

See if your airline has a similar promo.

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For Results, Continue Calling Credit Card Company

2007-04-27T14:57:00.000-05:00

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: For Results, Continue Calling Credit Card Company
Posted: Fri Apr 27, 2007 1:46 pm

direred wrote:

Believe me, I will. This is the third time I'd called on this, so I may hit every single rep before long.

My last issue(converting a card) detailed here took many calls over the course of 3-4 months.

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Guest: direred
Posted: Fri Apr 27, 2007 2:32 pm

multiplierx wrote:
My last issue(converting a card) detailed here took many calls over the course of 3-4 months.

I won't keep this card open that long. Seriously, I have no need for an annual fee card at this point.

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Want to Downgrade my Bank of America Credit Card

2007-04-27T14:56:00.000-05:00

Guest: direred
Post subject: Want to Downgrade my Bank of America Credit Card
Posted: Fri Apr 27, 2007 11:20 am

davej wrote:
It's definitely a downgrade for them to go from getting paid to not getting paid ... Are you trying to get out of the airline card because of the fee alone or because you no longer have use for the miles you get?

Well, this originally was a 99/500 card, so even if it weren't an airline card, there would have been some annual fee or another.

I just thought the viewpoint was funny.

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Guest: direred
Posted: Fri Apr 27, 2007 11:21 am

mouse wrote:
CALL BACK

CALL BACK

CALL BACK

SUPERVISOR???

Believe me, I will. This is the third time I'd called on this, so I may hit every single rep before long.

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Guest: multiplierx
Credit Expert (100+ Posts)
Posted: Fri Apr 27, 2007 1:43 pm

mouse wrote:
CALL BACK

CALL BACK

CALL BACK

SUPERVISOR???

I agree 100%. I like BOA but their CSRs are very uneducated about the prodcuts they are servicing. It got much worse after the MBNA merger and it's been slow recovering.

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Bank of America Credit Card Cannot be Downgraded to Avoid Fee?

2007-04-27T14:48:00.000-05:00

Guest: direred
Post subject: Bank of America Credit Card Cannot be Downgraded to Avoid Fee?
Posted: Fri Apr 27, 2007 2:58 am

BofA: We can't downgrade your card to one with no annual fee

Yes, converting an airline rewards card to a no annual fee card is a "downgrade."

I'm perfectly welcome to apply for a new card and close the old one.

I pointed out that I was also free to apply for a new card anywhere else, so why would I go through the effort of applying over the phone with them?

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Guest: davej
Posted: Fri Apr 27, 2007 4:02 am

It's definitely a downgrade for them to go from getting paid to not getting paid ... Are you trying to get out of the airline card because of the fee alone or because you no longer have use for the miles you get?

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Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Fri Apr 27, 2007 9:25 am

CALL BACK

CALL BACK

CALL BACK

SUPERVISOR???

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Credit Card Offer from Capital One

2007-04-19T16:14:00.000-05:00

Guest: angelo21
Credit Expert (100+ Posts)
Post subject: Credit Card Offer from Capital One
Posted: Thu Apr 19, 2007 10:06 am

They just put your name on a mailing list. They are now fishing to see who is willing to pay their fees. I don’t consider Cap 1 sub prime.

What's your current CS? Give it time. The offers will come.

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Post subject: Subprime Credit Card Offers

2007-04-19T16:10:00.000-05:00

Guest: Flxiblemetro
Post subject: Subprime Credit Card Offers
Posted: Wed Apr 18, 2007 4:51 pm

Hello again everyone,

I had no credit history when I got approved for a Best Buy store credit card with no annual fee back in August of 2006, so I have established good credit for the past 7 or 8 months. And after about 4 months later, I start getting offers of subprime credit cards in my mail box, however, my Capital One card is somewhat not subprime. My goal is to apply and get approved for at least one major prime credit card. Is there any way I could get offers of prime credit cards in my mailbox for such a short period?

I know that my credit score needs to be in the 700 or 800's to qualify for a major card with an introductory APR of 0%, no annual fee, low APRs, etc.

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Guest: Brammy
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 6:07 pm

Flxiblemetro wrote:
Hello again everyone,

I had no credit history when I got approved for a Best Buy store credit card with no annual fee back in August of 2006, so I have established good credit for the past 7 or 8 months. And after about 4 months later, I start getting offers of subprime credit cards in my mail box, however, my Capital One card is somewhat not subprime. My goal is to apply and get approved for at least one major prime credit card. Is there any way I could get offers of prime credit cards in my mailbox for such a short period?

I know that my credit score needs to be in the 700 or 800's to qualify for a major card with an introductory APR of 0%, no annual fee, low APRs, etc.

Wow don't tell my banks that or they will repo my cards Just joking you don't need scores that high for most cards.

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Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 7:15 pm

YOU CAN GET MOST PRIME CARDS WITH SCORES ABOVE 720, HIGHER THE SCORE, MORE CHANCES OF GETTING WITH A HIGHER CL
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USBank WorldPerks Signature Visa Credit Card Offer

2007-04-19T16:06:00.000-05:00

Guest: jlrdc909
Credit Expert (100+ Posts)
Post subject: USBank WorldPerks Signature Visa Credit Card Offer
Posted: Sun Apr 15, 2007 10:10 am

I recently pulled my CR and was delighted to see that the Worldperks Signature Visa by US Bank does report your credit limit, however Citibank does not report the limit on the World Mastercard.
FYI

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Guest: cowb0ysfan
Posted: Wed Apr 18, 2007 11:12 pm

Do you know if it's a policy of US Bank to report CL's on all of their Signature Visa products or just the Worldperks? I have a Skypass Visa from US Bank and thinking about upgrading to Signature. Also, do they pull a report for an upgrade?

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Guest: jlrdc909
Credit Expert (100+ Posts)
Posted: Thu Apr 19, 2007 5:44 am

I would think the "signature" policy would be the same on all the cards, I called CS, who transferred me over to the signature dept for the worldperks card, took just minutes.
I called on a Weds PM, and Monday the new card was in my box

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Guest: cowb0ysfan
Posted: Thu Apr 19, 2007 11:20 am

How long did you have Worldperks before you got the upgrade? Do you know if they pulled to give this upgrade and if they did who did they use? Thanks.

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American Express Credit Card with High Credit Limit

2007-04-19T16:03:00.000-05:00

Guest: amexman
Post subject: American Express Credit Card with High Credit Limit
Posted: Thu Apr 19, 2007 11:17 am

[quote="angelo21"]Amex may be a good alternative. If you apply for a business product your initial CL may be good. You can always ask for LUV upon activation or shortly thereafter. Good luck.[/quote]

Amex is VERY generous with their CL. I went from pre-approved Delta Gold and Amex Blue with 3,200 and 4,200 lines to less than a year with 30K lines on each.

Of course I've been with them for years and have other Amex cards.

One nice thing is even with the newly issued cards they put me down as "member since 2003" and $30,000 CL are showing up on my credit reports as cards issued in 2003.

So that large line with more credit history really helps.

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Guest: angelo21
Credit Expert (100+ Posts)
Posted: Thu Apr 19, 2007 11:22 am

Nice.

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Want Credit Card with High Credit Limit

2007-04-19T15:58:00.000-05:00

Guest: BigDog
Post subject: Want Credit Card with High Credit Limit
Posted: Wed Apr 18, 2007 11:30 am

Hi,

Looking for a credit card with a high credit line and not sure where to apply.

I have a BOA card with a 50K limit, Cap1 card with a 2K limit. Cap 1 is a joke, but have had it for years and a Chase card with a 17K limit. My scores are all over 750.

I am looking to apply for another card, but not sure which bank is the most Generous.

Any Suggestions???????

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Guest: angelo21
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 12:11 pm

Amex may be a good alternative. If you apply for a business product your initial CL may be good. You can always ask for LUV upon activation or shortly thereafter. Good luck.

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Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Wed Apr 18, 2007 1:08 pm

i say go for AMEX BLUE
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New Design on Discover Credit Card

2007-04-19T15:53:00.000-05:00

Guest: xace
Post subject: New Design on Discover Credit Card
Posted: Mon Apr 16, 2007 7:32 am

I havent received any word of a new card.

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Guest: angelo21
Credit Expert (100+ Posts)
Posted: Mon Apr 16, 2007 11:05 am

No word. I asked AJ some time back if he thought this would apply to all Dicover accounts. Mine is through Sam's (GEMB).

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Guest: amexman
Posted: Thu Apr 19, 2007 11:33 am

[quote="TomfromCT"]They sent me a new card a couple of weeks ago.

They sent me a generic design. [/quote]

Go to their site - discovercard.com they have SCORES of designs you can pick from.

As a matter of fact when I got my generic card I picked a nice design and they sent me a new card (same acc't #) within days.

So I have 2 Discover cards (same acc't number).

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Guest: bullwinkle29
Credit Expert (100+ Posts)
Posted: Thu Apr 19, 2007 11:47 am

i only got the new miles card design when i called and asked for it. my wife has not recived her new card yet. she did get a letter though
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Discover Issuing New Credit Cards?

2007-04-19T15:48:00.000-05:00

Guest: multiplierx
Credit Expert (100+ Posts)
Post subject: Discover Issuing New Credit Cards?
Posted: Sun Apr 15, 2007 4:20 pm

I received a notice that Discover will be sending me a new card because of the name change from "Platinum" to "More". The notice also said the account number would be changing.

Has anyone got their new card yet? I'm curious if they'll send me the custom card design I have now. I have this one from the "clear" collection;

Until next year I'll only be using my Discover for the 0% 0 fee BT, which I recently took advantage of and put in my 5%APR WAMU savings account. After that I'm looking forward to taking advantage of the 5% cash back bonuses not available on any of my other cards.

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Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Sun Apr 15, 2007 5:18 pm

They sent me a new card a couple of weeks ago.

They sent me a generic design.
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Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Apr 15, 2007 10:19 pm

I have the lighthouse

Looks like a NEW ENGLAND sea side

They change the picture and give me a new account number I won't like that

DON'T DARE ASK THE CUSTOMER THEIR OPINION

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Chase Cash Plus Credit Card Offer

2007-04-19T15:47:00.000-05:00

Guest: Ri
Post subject: Chase Cash Plus Credit Card Offer
Posted: Tue Apr 10, 2007 1:01 am

Chase has done the exact same thing with me. I applied for the cash plus card and got a $200 limit. Two cli later it is up to $700 and it was like pulling teeth. After the last increase I applied for the Sony Chase card and got the same $2,500 limit with a 12 months interest free period. I will probably just ask to transfer the limit to my cash plus card I guess.

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Guest: cowb0ysfan
Posted: Thu Apr 19, 2007 1:09 pm

I have this post in another topic "Chase Cards" but it seems to be more relevant here:

I received a Pre-Approved Chase invitation in June of 06. Responded to the offer via. website and was told my card would arrive in 7-10 days. I couldn't believe the initial $400 CL. This was by far my lowest CL ever! I used the card for the past 9 months and PIF'd every time. I recently hit the LUV button and had to fill out a short app. The message said that they would contact me shortly with a decision. I got the letter about a week later and they raised my CL to $600. WTF??? All this trouble for a $200 CLI not to mention the hard pull from EX. It's like a double shot to the chin...hard pull + really low limit anyway. I called to complain but they did nothing for me. Offered to re-evaluate in 30 days for another hard pull.

Why is Chase so cheap with CLI's??? I'm afraid to apply for any other Chase cards due to their low CL's. They're not worth the hard pulls in my opinion. Also, my card is a Platinum MC only, no rewards of any kind with a 20.88% APR. Just an ugly card overall.

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Chase Bank Freedom Credit Card Offer

2007-04-19T15:41:00.000-05:00

Guest: TheTick
Post subject: Chase Bank Freedom Credit Card Offer
Posted: Mon Apr 09, 2007 2:51 pm

I got a Chase Freedom card around November 2006 with a measily $500 limit. The reason I got it was because the cashback percent on my Citi platinum dividend card was reduced. The chase freedom card gives 3% back on fast food and you can redeem $200 for a $250 check.

However, I needed to have at least a $1500 credit limit to use the card comfortably. So I asked for a CLI and was denied.

Fine.

I waited a while and asked for another increase and was denied again. At this point I assumed that Chase considered me a credit risk and wasn't planning to give me credit.

Then, in early January, I got an Amazon credit card just to get a $30 credit to buy a couple of CDs. Turns out that this was a Chase card too. I saw it appear on Chase's card management site. And it had a $2500 limit to start out!

I called customer service to ask why they would give me $2500 credit even though they wouldn't increase my $500 limit even by $500. They didn't give me a meaningful answer, but they told me that they can transfer the credit limit from the Amazon card to the Freedom card. I had no idea this was possible. So I transfered most of my Amazon limit to the Freedom limit and was able to start using the Freedom card again.

Now, last week I tried to get another CLI on my Freedom Card - and, big surprise, I was turned down.

So, I simply applied for a random Chase card - the Starbucks Duetto. And lo and behold, I was approved for another $2500. And again, I just transfered the credit limit.

Now, why is Chase doing this? Why can't they just give me a CLI?

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Guest: xace
Posted: Mon Apr 09, 2007 3:39 pm

Chase seems weird about CLI. Im not sure why they are like this. When I received my new account in Jan they approved me for 2,500. When I activated the account I asked for a higher limit to compete with my other accounts. I asked for 6,000. They had to pull another report for this. I plan to apply in 6 months for a Chase Freedom card to add to my current Chase Platinum card. I want to have three accounts with Chase.

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Guest: TheTick
Posted: Mon Apr 09, 2007 10:13 pm

Did you get the CLI?

Should I bother asking for a CLI at all?

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Yearly Credit Line Increase on my Credit Card Account

2007-04-19T15:39:00.000-05:00

Guest: Peachkiwi
Post subject: Yearly Credit Line Increase on my Credit Card Account
Posted: Mon Apr 09, 2007 8:32 pm

I found by calling on a yearly basis, I would get at least $1000; The last increase I received ($2500), was a few months ago.

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Guest: daveberk
Posted: Tue Apr 10, 2007 8:48 pm

Applied for Discover in December and got 20K initial limit which I used for BT at 0% for one year.

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Guest: AwwPhooey
Posted: Thu Apr 19, 2007 1:20 pm

i applied 2 weeks ago. Got 8K and my wife got 20K...??? whatever...

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