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My bank (USAA) offered me a secured card that involved me giving them 250 dollars and them putting it in a CD. Then I had a card with at 250 dollar limit that I paid every month, and in two years they converted it to a "real" Amex and gave me 251 dollars. But yeah, dispute that poo poo.
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Apr 19, 2017 17:07
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THF13 posted:Freeannualcreditreport.com is the official government sanctioned site where you can get your reports from all three bureaus once a year. No that's a weird amalgamation of the names of the real one (https://www.annualcreditreport.com/) and the one that plays on TV ads that isn't recommended (freecreditreport.com). Skoll posted:Thanks for the advice, guys. I live pretty frugally so a "low credit limit" won't bother me since I try not to do anything outside my means. Collections definitely show up on credit reports, but it's entirely possible you've been a victim of identity theft. Go to https://www.annualcreditreport.com/ (THIS IS THE PROPER SITE.  ) and get your credit report from at least one bureau. Chase's credit journey pulls from TransUnion so that's a good bureau to choose first. You can get one free report per bureau per year via this site, so perhaps it would make sense to only pull TransUnion to start off with.It takes time for this stuff to play out, so get the clock starting to run as soon as you have an address that'll stay constant for a while. Do note that identity verification might be a little more annoying after you move since they will have to make sure you're not an identity thief trying to open/modify/manage accounts with a different address. 
astral fucked around with this message at 18:59 on Apr 19, 2017 |
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Apr 19, 2017 18:50
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astral posted:No that's a weird amalgamation of the names of the real one (https://www.annualcreditreport.com/) and the one that plays on TV ads that isn't recommended (freecreditreport.com). This is all correct, I am in fact a dumbass.
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Apr 19, 2017 19:03
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Skoll posted:I have absolutely no idea from what then. I've never had a credit card or anything before and I mainly deal in cash for almost everything. I never buy something unless I can pay for it outright, etc etc. Like folks have said, step 1 is to get your real (free) credit reports from https://www.annualcreditreport.com/, step 2 is to dispute the debt. Step 3 is to wait for the debt to be wiped from your record. Step 4 is to apply for a credit card.
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Apr 19, 2017 19:55
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Credit unions are great to work with as well. Setup a savings account with a credit union and put 500 dollars in it. Use the 500 dollars to secure a 500 dollar personal loan. Deposit the 500 dollars you borrowed into your savings account. Use that 500 dollars to setup a secured credit card with a 500 dollar limit. 2 positive trade lines on your report. After a year or so the card should convert to unsecured. The credit unions are less likely to charge fees on their secured products as well.
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Apr 19, 2017 20:09
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Just got an email:quote:Dear valued customer, So you don't need Prime for the 3% cash back, apparently
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Apr 27, 2017 15:50
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EugeneJ posted:Just got an email: I thought you got 5% with Prime, 3% is what I used to have when I first got the card.
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Apr 27, 2017 15:53
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Michael Corleone posted:I thought you got 5% with Prime, 3% is what I used to have when I first got the card. Ohhhhhhhhh my Prime subscription just ended - so it was just telling me that it was going from 5% down to 3% then My mistake
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Apr 27, 2017 15:54
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I have heard that if you add your Amazon Rewards Visa to someone else's (someone you trust obviously) Amazon Prime account you will get 5% even when you make purchases through your own Amazon non-Prime account. Not 100% sure about this and Amazon might fix at some point without notice though.
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Apr 27, 2017 16:02
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THF13 posted:I have heard that if you add your Amazon Rewards Visa to someone else's (someone you trust obviously) Amazon Prime account you will get 5% even when you make purchases through your own Amazon non-Prime account. Prime Household or whatever it's called also works if you happen to live with someone who has Prime.
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Apr 27, 2017 23:32
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Question: What reason could there be for my FICO score to be significantly different than the TransUnion / Equifax scores on sites like creditkarma? I'm about ~100 points higher on creditkarma.
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Apr 28, 2017 14:20
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Thoogsby posted:Question: What reason could there be for my FICO score to be significantly different than the TransUnion / Equifax scores on sites like creditkarma? I'm about ~100 points higher on creditkarma. Credit Karma uses a different scoring algorithm. Fun fact: there are literally dozens of ways to turn your credit report into a number. The one they use, VantageScore 3, will show significant differences from FICO on thin files and recently established credit (Vantage is more forgiving to people who have a short but good history) and paid-off collections (once something is marked paid in full, it has minimal impact under Vantage; FICO still cares a lot that it went to collections at all).
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Apr 28, 2017 15:15
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Just got a 70,000 bonus points for $4,000 of spending in the first 3 months offer from Chase Sapphire Preferred. $0 fee for first year, $95 after that. Good deal? I've got business travel coming up that I get reimbursed for, should be $1500-2000 I can put on a personal card.
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Apr 28, 2017 20:52
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JUST MAKING CHILI posted:Just got a 70,000 bonus points for $4,000 of spending in the first 3 months offer from Chase Sapphire Preferred. $0 fee for first year, $95 after that. Good deal? I've got business travel coming up that I get reimbursed for, should be $1500-2000 I can put on a personal card. That's the best deal for that card, yes.
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Apr 28, 2017 21:01
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Most people don't have access to their real FICO, the number that every other bank is offering up to you for free as your "FICO" on their website is actually a bullshit inflated number that is (often) substantially higher than your actual FICO. They offer this to obfuscate the process a bit more and make it less likely you'll dispute anything in your credit report because it's incredibly costly to the bureaus when you do so. And how on earth this isn't all loving illegal is beyond me, it almost certainly will be one day
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Apr 28, 2017 21:03
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Pryor on Fire posted:Most people don't have access to their real FICO, the number that every other bank is offering up to you for free as your "FICO" on their website is actually a bullshit inflated number that is (often) substantially higher than your actual FICO. They offer this to obfuscate the process a bit more and make it less likely you'll dispute anything in your credit report because it's incredibly costly to the bureaus when you do so. There are several different FICO scoring models (and FICO Bankcard scoring models), and it helps to know which banks are offering which models. Here's a nice list I found: http://www.doctorofcredit.com/comparison-free-fico-scores-banks-cus/ e: And just about all the FICO models' scores are more useful than Vantage scores that are offered by a ton of places.
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Apr 28, 2017 21:15
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Pryor on Fire posted:Most people don't have access to their real FICO, the number that every other bank is offering up to you for free as your "FICO" on their website is actually a bullshit inflated number that is (often) substantially higher than your actual FICO. They offer this to obfuscate the process a bit more and make it less likely you'll dispute anything in your credit report because it's incredibly costly to the bureaus when you do so. I have not found this to be true at all. The free FICO scores offered by Amex, Barclays, Capital One, and Chase have all been extremely close to the score pulled for credit card applications.
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Apr 29, 2017 00:15
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JUST MAKING CHILI posted:Just got a 70,000 bonus points for $4,000 of spending in the first 3 months offer from Chase Sapphire Preferred. $0 fee for first year, $95 after that. Good deal? I've got business travel coming up that I get reimbursed for, should be $1500-2000 I can put on a personal card. Yes that's extremely good
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Apr 29, 2017 01:29
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I got my Citi AA card offer that didn't have the two year language and I'm currently running through that. I'm looking at making about a $4K purchase online next week. I would've done the SPG business 35K point offer (because Amex is so generous with what qualifies as a business) but that ended on the 5th of April. Are there any other good sign-ups? I'm far past the 5/24. I've recently wrapped up the BoA Merrill card and HIlton Signature.
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Apr 29, 2017 05:29
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JUST MAKING CHILI posted:Just got a 70,000 bonus points for $4,000 of spending in the first 3 months offer from Chase Sapphire Preferred. $0 fee for first year, $95 after that. Good deal? I've got business travel coming up that I get reimbursed for, should be $1500-2000 I can put on a personal card. Where is this offer available?
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Apr 29, 2017 22:08
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Pissingintowind posted:Where is this offer available? I got it in an email because I have other cards with Chase
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Apr 30, 2017 22:22
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I checked the OP and the last few pages, is there anything that's good in Australia? Doesn't seem to have been mentioned. I used to use the ING 2% paywave but they stopped doing that, unfortunately.
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May 1, 2017 07:52
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Whats a good no APR/Interest CC to consolidate with? My gf has debt on like 3 store brand CC's and she isn't sure how to handle it. It seems like this thread has advised people in the past to consolidate onto a card yea?
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May 1, 2017 13:54
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Chase Slate will give you 0% (for 15 months), no-fee balance transfers for the first 60 days, it's the go-to if you can get approved.
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May 1, 2017 13:57
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asur posted:I have not found this to be true at all. The free FICO scores offered by Amex, Barclays, Capital One, and Chase have all been extremely close to the score pulled for credit card applications. And other banks use non-FICO numbers because it's cheaper, not from sort of weird conspiracy. A credit score is just an opinion, there really is no such thing as an official one. FICO is the most popular, but it is not the only one used. Cheaper versions and in-house scores have been making inroads against Fair Isaac for years.
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May 1, 2017 18:29
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*edit silly derail
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May 1, 2017 23:36
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My wife got the CSP and I'm and AU on hers (way over 5/24 to get my own). We have about 150k URs. We're looking to possibly transfer them to united, but didn't know if they had to be transferred to her united account or if they could go to mine as well/instead. Can the AU transfer out URs?
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May 7, 2017 15:38
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Yes
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May 7, 2017 17:26
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Does a service fee of 2% charged by a processor to pay my mortgage count towards minimum spend, or just the actual amount?
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May 7, 2017 20:36
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baquerd posted:Does a service fee of 2% charged by a processor to pay my mortgage count towards minimum spend, or just the actual amount? Like plastiq?
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May 8, 2017 04:44
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No Butt Stuff posted:Like plastiq? Yeah, or in this case it's a servicer option. I know I should probably figure out how to properly churn instead, but this is much easier. baquerd fucked around with this message at 12:33 on May 8, 2017 |
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May 8, 2017 12:30
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It counts as spend because it is.
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May 8, 2017 16:28
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Hmm churning my house LOC could drive a lot of volume. Not sure I can overcome fees or credit card limit problems to make it worth it.
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May 12, 2017 15:54
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Got a targeted offer for the BankAmericard Cash Rewards Visa. $150 cash back after spending $500 in the first 90 days. Just applied and got approved for $7000 line. I'll probably just use it until I hit $500 but the 3% back on gas is pretty nice, so it may be my new gas card.
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May 14, 2017 01:26
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Elephanthead posted:Hmm churning my house LOC could drive a lot of volume. Not sure I can overcome fees or credit card limit problems to make it worth it. This kind of thing, along with paying taxes on a CC for points and (sometimes) vehicles, is almost never worth it. Even if you pay it off immediately like you should the extra up front fees that companies tack on to those kind of high dollar transactions almost always exceed whatever reward points you get out of it. May be exceptions to this if so love to hear about it.
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May 15, 2017 02:15
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Ixian posted:This kind of thing, along with paying taxes on a CC for points and (sometimes) vehicles, is almost never worth it. Even if you pay it off immediately like you should the extra up front fees that companies tack on to those kind of high dollar transactions almost always exceed whatever reward points you get out of it. May be exceptions to this if so love to hear about it. I have the Chase Reserve and pay my rent with it using Plastiq because it registers as a lodging payment and gets me 3x points. Even with the fee, I still come out ahead with Chase Ultimate Rewards, especially since I have a NYC rent. Admittedly, this is a very specific case.
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May 15, 2017 04:05
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Ixian posted:This kind of thing, along with paying taxes on a CC for points and (sometimes) vehicles, is almost never worth it. Even if you pay it off immediately like you should the extra up front fees that companies tack on to those kind of high dollar transactions almost always exceed whatever reward points you get out of it. May be exceptions to this if so love to hear about it. Paid my taxes, I get 2.64% cash back and paid 1.something to pay my taxes with the CC. Then I pay my CC off in full each month. But yes, I agree, very rarely does this really make sense.
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May 15, 2017 15:49
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FunOne posted:Paid my taxes, I get 2.64% cash back and paid 1.something to pay my taxes with the CC. Then I pay my CC off in full each month. IRS fees are 2% or close enough (they contract with several processors). There may be certain point combinations/redemption's that make that worth it but not many. Chase occasionally offers screaming deals on hotels that you book with Sapphire points, for example, that you can only get with points. Usually though I stick with businesses that cover the fees for me, like most shopping sites, etc. BTW re: Chase - Sapphire/Reserve points are generally rated at 2.1 cents/point by the major points sites - that's best case. Usually but not always hotels and rental cars. Occasionally direct book airline tickets (with Chase) have screaming deals whilst point transfers to the airlines themselves usually suck. The worst are shopping with points, like for Amazon, where Chase only pays out .8/point per actual point - so for a 100 point purchase you actually spend 125. Don't do that - there are better cards for redeeming rewards for shopping.
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May 16, 2017 00:23
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Is that 2.1c per point including the 50% redemption bonus for CSR?
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May 19, 2017 02:01
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ohgodwhat posted:Is that 2.1c per point including the 50% redemption bonus for CSR? Yes. It is the max, "ideal" rate you will get, at least according to sites like ThePointsGuy, etc. I've gotten the best redemption from hotels. However you have to dog the process - some hotels on the reward site jack up rates vs. other places, and others refuse to grant their own loyalty points, etc. Often this happens even inside major chains on a property-by-property basis. Example: Stayed at a Marriott in Sydney last year, good rate, but no Marriott points (it wasn't one of those "unaffiliated" hotels either, you could get Marriott points if you booked through them). Stayed at one in Copenhagen this year, good rate, and I got points. So go figure. Basically, do your research and you can make out quite well with Sapphire points.
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May 19, 2017 02:25
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