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Being an authorized user on someone else's credit card doesn't impact your credit at all.
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Apr 26, 2015 16:58
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Hashtag Banterzone posted:Being an authorized user on someone else's credit card doesn't impact your credit at all. That's what I thought, hence needing my own. Thanks for confirming.
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Apr 26, 2015 17:17
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Hashtag Banterzone posted:Being an authorized user on someone else's credit card doesn't impact your credit at all. Really? I'm pretty sure my wife has had authorized cards show up on her credit report. Is it just that the authorized cards show up but they don't impact the actual score? Edit: http://www.nerdwallet.com/blog/tips/credit-score/credit-card-authorized-users-build-credit/ TL;DR it depends Insane Totoro fucked around with this message at 20:48 on Apr 26, 2015 |
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Apr 26, 2015 20:40
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Insane Totoro posted:TL;DR it depends
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Apr 26, 2015 21:06
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So in summary, it affects my wife's score and my own based on the cards we are using (at least according to the site I cited) since we are mostly a Chase issued card family. That being said, for the UK goon a few posts above me, most of the Chase Ultimate Rewards cards transfer points 1:1 to United points so any of those might work better for you!
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Apr 26, 2015 21:50
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hbf posted:I'm looking for a card that preferably has: no foreign transaction fee, no annual fee, and has a chip/will be accepted around Europe. Based on the OP it looks like the BoA Travel Rewards meets the requirements, but was wondering if there is anything else that is decent? Digging this up from the last page. I just got the Quicksilver card today and it has a chip. Capital One is slowly rolling out chips and I guess they're not officially advertising that they have them just yet, so YMMV. Edit for clarity: It's chip and sig.
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Apr 27, 2015 22:02
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Is there any way to get credit card companies to stop sending me offers? I get like 5-10 a week.
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Apr 28, 2015 00:04
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Yes, you can opt out of pre-approved offers: https://www.consumer.ftc.gov/articles/0262-stopping-unsolicited-mail-phone-calls-and-email
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Apr 28, 2015 01:34
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optoutprescreen.com is awesome.
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Apr 28, 2015 01:37
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I did that in 2010, and again in 2013. As soon a I started using credit in 2013, the offers started pouring in and haven't stopped since. I get 1+ a week from Cap1, Discover, etc.
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Apr 28, 2015 15:24
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SiGmA_X posted:I did that in 2010, and again in 2013. As soon a I started using credit in 2013, the offers started pouring in and haven't stopped since. I get 1+ a week from Cap1, Discover, etc. I get like 3 from cap 1 a week, all of different card types, and then summer Amex thrown in for good measure
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Apr 28, 2015 15:30
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Some offers are really dumb but there are occasional gems like the Amex Platinum 100k points for $3k spend that I wish they would send me 
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Apr 28, 2015 15:51
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Shadowhand00 posted:Some offers are really dumb but there are occasional gems like the Amex Platinum 100k points for $3k spend that I wish they would send me I've heard of people getting the offers just from calling Amex up and asking so you could try that.
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Apr 28, 2015 16:43
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I was looking for ideas on how to use a credit card to make mortgage payments and found this: http://www.extrapackofpeanuts.com/target-redcard-pay-mortgage-with-credit-card/ Anyone here tried this?
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May 1, 2015 14:25
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Thesaurus posted:I was looking for ideas on how to use a credit card to make mortgage payments and found this: http://www.extrapackofpeanuts.com/target-redcard-pay-mortgage-with-credit-card/ I have three redcards (Myself, Wife, Mother) and yes, you can billpay with them but not sure it's really worth it. Just send yourself the money back into your bank account and pay off the credit card with them. No need to pay off specific bills with it. It just adds another layer of complexity that is unnecessary.
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May 1, 2015 14:46
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For those worried about chip and sig cards: They at least worked fine in Gothenburg and London airports. The reader just tells you to take out your card and never asks for a pin. It was a lot less painful than I worried it could be.
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May 1, 2015 16:40
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pig slut lisa posted:My wife and I have applied to the first of a planned pair of Alaska Airlines cards to earn miles for an Asia trip next year. I applied first and got the Signature card with the 25,000 mile bonus. I then sent her a referral link so I could get the 2,500 mile referral bonus. So far so good. She just applied and was approved for a card at a credit limit of $1,800, which is either the Platinum Plus or the Preferred (she closed the window before I could see which Update: recon understood the deal, recognized our household income, and upgraded her to a Signature card. We will probably still need to follow up with Alaska Airlines but I'm feeling pretty positive about that.
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May 2, 2015 03:57
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). I assume this is because she's still a "student". She has an excellent credit score and she entered our combined household income of $76,500, but she's finishing her PhD so I'm guessing the "student" label kicked her down a tier.
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We are looking for another credit card, either Visa or MC. We need it to have low or no foreign transactions fees, since we would be using it when we go back to the UK to visit his family. Preferably cash back in some form. We have good to excellent credit, just need to branch out and get a card that can be used for what we need. We tend to use the card we have atm for everything....mostly shopping online, eating out, groceries, gas and so on. We would be using our other Visa for bills and emergency use if needed, since it has a rate of 6.9% through our credit union. What would be our best bet most likely?
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May 4, 2015 00:31
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Disco Salmon posted:We are looking for another credit card, either Visa or MC. We need it to have low or no foreign transactions fees, since we would be using it when we go back to the UK to visit his family. Capital One Quicksilver or Bank Americard Travel Rewards are your best bets. Both now have a EMV chip, no foreign transaction fee, no annual fee, and 1.5% cashback. You need to redeem the Bank Americard towards travel expenses but that shouldn't be an issue.
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May 4, 2015 00:38
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THF13 posted:Capital One Quicksilver or Bank Americard Travel Rewards are your best bets. Both now have a EMV chip, no foreign transaction fee, no annual fee, and 1.5% cashback. You need to redeem the Bank Americard towards travel expenses but that shouldn't be an issue. BofA Travel is 1.5% default, 1.5% + 10% bonus if you have checking, +25% if you have 20k, +50% if you have 50k, +75% if you have 100k with the bank / investments. That card can range up to 2.6% rewards if you have 100k+ /w BofA/ML.
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May 4, 2015 02:36
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THF13 posted:Capital One Quicksilver or Bank Americard Travel Rewards are your best bets. Both now have a EMV chip, no foreign transaction fee, no annual fee, and 1.5% cashback. You need to redeem the Bank Americard towards travel expenses but that shouldn't be an issue. Cap1 quicksilver has an annual fee after the first year ($59). Just fyi.
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May 4, 2015 17:57
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hbf posted:Cap1 quicksilver has an annual fee after the first year ($59). Just fyi. No, it does not.
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May 4, 2015 18:16
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FunOne posted:BofA Travel is 1.5% default, 1.5% + 10% bonus if you have checking, +25% if you have 20k, +50% if you have 50k, +75% if you have 100k with the bank / investments. I added a note about this to the OP, thanks. hbf posted:Cap1 quicksilver has an annual fee after the first year ($59). Just fyi.
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May 4, 2015 18:21
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If you can do the minimum spend of $4k in 3 months, I would just do the Sapphire Preferred and get the 45k points. You will want to downgrade to the regular Sapphire or cancel after 11 months to avoid the annual fee, but 45k Chase points is going to be better than anything else out there. In my experience, the no annual fee cards with no foreign transaction fees are also the worst for rewards. But luckily the fee cards with no foreign transaction fees also usually give good sign up bonuses. So my suggestion would be to get a different card every year. Do the sapphire this year, an Amex card next year, Wells Fargo Propel the next, and then maybe a BarclayCard, depending on who's offering the best bonus.
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May 4, 2015 18:24
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After the announcement today, the crying over Target redcard not taking CC loads starting tomorrow is pretty funny.
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May 5, 2015 23:04
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Cacafuego posted:After the announcement today, the crying over Target redcard not taking CC loads starting tomorrow is pretty funny. Everyone kinda knows that the deal is that a source of unloading could go away at any moment. Anybody truly hosed by this is a moron. I'll probably keep the thing. The 5% off combined with Cartwheel coupons isn't too bad OH GOD TARGET HAS ME IN THEIR ECOSYSTEM NOW THEIR PLAN WORKED VVVVVV: Yeah, I was hoping this would last through the summer to complete a bunch of hotel min spend offers, especially SPG once the promo eventually comes out, but luckily I can do that with my regular spending stretched over a longer period of time. Blinkman987 fucked around with this message at 01:36 on May 6, 2015 |
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May 6, 2015 01:06
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Got $11.5K in loads between yesterday and today. If it's true than I've drained the last drop. Good while it lasted but I had no illusions that it would continue indefinitely. Really wanted to get a few more months though. Time to find the next alternative!
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May 6, 2015 01:26
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Got in 6k today, wish I'd seen the warning yesterday. Too bad I just got the wells fargo card that would have gotten me $50 a swipe. I'm all hooked on this MS thing now, at least to get the minimum spend on cards as fast as possible for the bonus. I don't want to be one of those scrubs trying to unload a stack of $100 visa debit cards at target customer service next week though.
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May 6, 2015 02:12
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This guy on frequentmiler:quote:Man this is really bad. Just ordered 20k amex gift card this morning via TCB. I am calling right now to cancel it… lol
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May 6, 2015 02:45
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After years of BofA I'm finally jumping over to a local credit union. I was hoping to do the same with my credit card. I have great credit, use my card for everything, and end up moving a few thousand each month. I've never had anything beyond a student card, though, so I feel I'm not taking advantage of some of the offers out there. Are there any decent non BofA options out there for my usage? I fly a fair amount too- would it be better to go with airline rewards card or just stick to cash back, given how I used the drat thing? Sorry for what are probably dumb questions. I'm an immigrant so I've been raised extremely skeptical/ignorant of credit cards.
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May 6, 2015 07:55
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Miles are generally worth more than cash back, but you need to be flexible to use them as awards may be limited both in location and time. Choosing a miles card, and I'm lumping cards that can transfer to airlines like Chase UR, Amex MR, etc, requires research to effectively use. Cash back on the other hand is simplistic, and Citi Double Cash with 2% is a good place to start.
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May 6, 2015 09:02
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BULBASAUR posted:After years of BofA I'm finally jumping over to a local credit union. I was hoping to do the same with my credit card. Is more of your flying within the US or back to your original country? The best travel card for you depends on your typical destinations and the airlines that serve them.
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May 6, 2015 13:12
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asur posted:No, it does not. Woops was thinking of the Venture card. Didn't realize the Quicksilver didn't have foreign trans fee and an EMV. So opinions on Cap1 Quicksilver vs BoA Travel Rewards? Looking mainly for a card to use traveling in Europe with no fees. Don't bank with BoA or have any other Cap1 products. hbf fucked around with this message at 20:10 on May 6, 2015 |
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May 6, 2015 20:01
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pig slut lisa posted:Is more of your flying within the US or back to your original country? The best travel card for you depends on your typical destinations and the airlines that serve them. I'm not the one this question is addressed to, but I'd like to know anyway. If my wife and I travel internationally every other year (to any other continent), and on the off-years we take trips within the US, which travel card(s) make the most sense? Right now we have both the Barclay Arrival+ and the Chase Sapphire Preferred. Our free year for both cards will be up in several months and I'm planning on downgrading one or both of them to avoid any annual fee. Not sure if it is worth keeping either one. Definitely don't think we'll keep both.
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May 6, 2015 20:08
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So it appears that the most efficient fee-free method to manufactured spending now is the following: Step 1 Order American Express Business Gift Cards through Cashback Portal (LuckyShops.com, ie.) and earn 2% on the order, while paying $3.95 per card up to $3K each Step 2 Purchase Vanilla Gift Cards (CVS/Walgreens?) with AGCs (do all places take CC?) Step 3 Load Redbirds with Vanilla Gift Cards as debit Step 4 Withdraw funds back to bank account as before Not the worst thing in the world except that if done in $500 increments I've doubled the number of swipes that I need to do at Target, but apparently you can do two per transaction so there's that. I'm going to run some experiments to see. I have $3500 in open Redbird loading for May with plenty of time. Going to first see if my local CVS/Walgreens has the $500 Vanilla GCs and if they will allow me to purchase with my SPG Amex. Using this method you actually can make ~$80-$150 a month depending on how many Redbirds you're loading.
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May 6, 2015 20:10
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Is there any reason to use this Plenti thing instead of just using my Amex?
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May 6, 2015 21:56
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Not a credit card offer, but I got an offer from Citi for 30k AA Miles in exchange for opening a checking account and meeting some spend requirements. How do bank accounts work WRT to credit pulls? Should I stagger this away from other applications I've done or should I be fine?
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May 6, 2015 23:24
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There's a separate rating agency for bank accounts called ChexSystems. Opening a bank account shouldn't impact your credit rating.
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May 6, 2015 23:36
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For whatever reason you pay taxes on cash back for bank account bonuses though. Not sure if they do that with miles.
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May 6, 2015 23:37
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khysanth posted:I'm not the one this question is addressed to, but I'd like to know anyway. If my wife and I travel internationally every other year (to any other continent), and on the off-years we take trips within the US, which travel card(s) make the most sense? For travelling within the US, your best mileage programs are probably British Airways Avios and Southwest Airlines Rapid Rewards. You can earn the former directly with the Chase BA card, and indirectly with the Chase Sapphire Preferred and any Amex that earns Membership Rewards (Amex Gold is a good one to consider). To earn Southwest RRs, go with either of Chase's Southwest branded cards or (again) the Chase Sapphire Preferred (although not Amex, since it's not a transfer partner). For international, it depends on where you want to go. -AAdvantage offers good redemption rates to anywhere AA flies internationally. You can pick these up with the Citi AA platinum card (there's a gold too I think). They also have decent partners, especially to Asia. -If you want to fly on either Cathay Pacific or Emirates, go with the Alaska Airlines BofA card. This is a highly churnable card so if that's your thing you can rack up a high point balance pretty quickly. Even if you don't churn it, Alaska has phenomenal redemption rates on these two airlines. They have very generous routing rules too: you're allowed a stopover on each international booking. So if you want to get anywhere in Asia, India, Africa, or Europe and are willing to route through the UAE or Hong Kong, this is the cheapest points way to do so. -If you want to go direct to Europe on a non-US airline, you probably want to go with a card that earns Star Alliance points (like the United card, which currently has a bonus) or FlyingBlue (the KLM/AirFrance program, which you can transfer to via Amex's Membership Rewards program). There's a lot more nuance obviously but that's a good general overview as I see it. e: Also as I understand it the Barclay Arrival+ is good if you find yourself having to book with cash, since you get a good reimbursement rate on it. But I can't speak personally to that. pig slut lisa fucked around with this message at 04:08 on May 7, 2015 |
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May 7, 2015 04:05
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