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FunOne posted:BofA will do 2.62% everywhere on their top cards with relationship bonus from parking assets with BofA/ML. I just checked in on this and they're doing a $200 signup bonus also. Guess I'm in for another one alongside my "5.25% back on all online purchases" BoA card. Vox Nihili fucked around with this message at 22:02 on Jun 23, 2022 |
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Jun 23, 2022 05:36
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Jerk McJerkface posted:Thanks, fixed all these Can you add a slot for the Capital One Venture X?
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Jun 23, 2022 18:53
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mightygerm posted:Can you add a slot for the Capital One Venture X? done
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Jun 23, 2022 20:26
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So if my girlfriend is an Authorized User on a couple of my Amex cards, should I update my income with them to include her income? How does that work if they ever decide to verify my income? This stems from an earlier post where they put a limit on my Gold and the explanation was "You're spending more than someone who makes $60K should be spending" and, like, yeah, there's two people who make $60K using the card now.
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Jun 25, 2022 22:30
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I need to make a ~2k purchase. I was kicking around the idea of signing up for a new card to get a 12-18 month 0% offer rather than paying cash up front. Any recommendations? I've got Chase Freedom, Citi Double Points, a Discover and the Bank of America MasterCard.
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Jun 27, 2022 00:45
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Medullah posted:I need to make a ~2k purchase. I was kicking around the idea of signing up for a new card to get a 12-18 month 0% offer rather than paying cash up front. Any recommendations? I've got Chase Freedom, Citi Double Points, a Discover and the Bank of America MasterCard. Your best bet is more to find a card with a good sign up bonus, so you'll get maybe 800 if you spend 4k in the first 3 months. this is a good list: https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/
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Jun 27, 2022 01:00
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Medullah posted:I need to make a ~2k purchase. I was kicking around the idea of signing up for a new card to get a 12-18 month 0% offer rather than paying cash up front. Any recommendations? I've got Chase Freedom, Citi Double Points, a Discover and the Bank of America MasterCard. Try the referral page for some dope deals: Jerk McJerkface posted:Goon Credit Card random referral page:
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Jun 27, 2022 13:57
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I decided I would close a credit card - the one I've been paying off on time more than a decade - and open a new one. My credit score subsequently dropped by over 100 points. This is a problem as I am about to apply for a mortgage. Is there anything I can do to unfuck this? Reopen the account? This whole system is loving bullshit.
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Jun 30, 2022 15:39
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KOTEX GOD OF BLOOD posted:I decided I would close a credit card - the one I've been paying off on time more than a decade - and open a new one. My credit score subsequently dropped by over 100 points. This is a problem as I am about to apply for a mortgage. Is there anything I can do to unfuck this? Reopen the account? Nope, that won't help at all. Your score dropped because your average account age likely also dropped considerably. That's why the common advice is to never close very old accounts, especially if you're planning credit-sensitive purchases.
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Jun 30, 2022 15:59
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Is there any draw back in keeping an old card open, with zero balance just sitting in a drawer, besides the risk of an accidental charge you miss?
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Jun 30, 2022 16:08
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Jerk McJerkface posted:Is there any draw back in keeping an old card open, with zero balance just sitting in a drawer, besides the risk of an accidental charge you miss? No. But, many card issuers will automatically close your account if you have between 1 and 3 years of inactivity.
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Jun 30, 2022 16:09
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Jerk McJerkface posted:Is there any draw back in keeping an old card open, with zero balance just sitting in a drawer, besides the risk of an accidental charge you miss? Leon Trotsky 2012 posted:No. But, many card issuers will automatically close your account if you have between 1 and 3 years of inactivity. This is true. Every year or so it's useful to go buy something cheap from the grocery store on the card just to keep it active.
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Jun 30, 2022 16:45
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KOTEX GOD OF BLOOD posted:I decided I would close a credit card - the one I've been paying off on time more than a decade - and open a new one. My credit score subsequently dropped by over 100 points. This is a problem as I am about to apply for a mortgage. Is there anything I can do to unfuck this? Reopen the account? Where are you getting your score from? Was it your only open account? Is the new card showing on your report yet? The payment history will stay on your report for 10 years so you should be fine there. The new card will drop your average age dramatically, but even if it's 10 years and 0 years that's still 5 years avg. If your new card isn't reporting yet but your old card is already reporting as closed then that's also going to give you a dramatic drop for a bit until the new card reports. If you're looking at Credit Karma or any other Vantage score I'd ignore whatever it says. Those scored tend to swing around way more than your actual FICO score. That all being said, your main problem here is you never ever want to open or close any accounts within about a year or so of getting a mortgage. The bank is not going to like what you've done regardless of your score.
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Jun 30, 2022 19:59
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KOTEX GOD OF BLOOD posted:I decided I would close a credit card - the one I've been paying off on time more than a decade - and open a new one. My credit score subsequently dropped by over 100 points. This is a problem as I am about to apply for a mortgage. Is there anything I can do to unfuck this? Reopen the account? Honestly, you don't need to worry too much about it. Mortgage lenders use a modified FICO score and closing a credit card and opening a new one isn't going to matter much at all. Just don't accumulate a significant amount of new debt prior to application. Debt to income ratio and history of payments is about 95% of what they look for in a mortgage application. Also, if you are looking at your score via credit karma or one of the other places that gives you an "instant" score, they are usually estimates based on some factors and can vary wildly for no reason. My credit karma score fluctuates about 30 points up and down with no new accounts, no new debt, no changes whatsoever. Edit: Shroomie above slightly beat me to the point about the credit score estimates.
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Jun 30, 2022 20:05
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So I looked into it and I actually massively misremembered things. I didn't close my card and open a new one, I just got a new physical card. I looked into getting a new CC but didn't end up doing it. There hasn't been a real change in my credit in ages. I just have one credit card I've paid every month for more than a decade, I have literally never missed a payment once. So my credit score dropped ~130 points for absolutely no reason that I can see. This is according to Experian.
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Jun 30, 2022 21:21
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KOTEX GOD OF BLOOD posted:So I looked into it and I actually massively misremembered things. I didn't close my card and open a new one, I just got a new physical card. There hasn't been a real change in my credit in ages. I just have one credit card I've paid every month for more than a decade, I have literally never missed a payment once. Where did you get the score? Was it an actual report from AnnualCreditReport.com or from your mortgage broker? Or are you going off Credit Karma?
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Jun 30, 2022 21:23
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Ninja edit above, but it's direct from Experian. There's nothing new on there. No new hard inquiries, no new debt, no missed payments, nothing. Just a great big gently caress you to my previously awesome credit score right when I need it most.
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Jun 30, 2022 21:24
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KOTEX GOD OF BLOOD posted:Ninja edit above, but it's direct from Experian. There's nothing new on there. No new hard inquiries, no new debt, no missed payments, nothing. Just a great big gently caress you to my previously awesome credit score right when I need it most. For a mortgage loan, they are mostly looking at DTI ratio and payment history rather than an actual number. If you did nothing and haven't taken on any serious debts or lowered your income a lot this year, then there is a 99% chance it isn't a big deal at all.
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Jun 30, 2022 21:50
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According to the lender I'm working with, it makes a lot of difference. They did a hard pull just before the magic drop, which is still good through August 6. Right now I qualify for 5.4%. If they had pulled the magic drop number, I would not even qualify for 7%. That's despite no actual change in my credit info. What the gently caress?
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Jun 30, 2022 21:58
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KOTEX GOD OF BLOOD posted:According to the lender I'm working with, it makes a lot of difference. They did a hard pull just before the magic drop, which is still good through August 6. Right now I qualify for 5.4%. If they had pulled the magic drop number, I would not even qualify for 7%. That's despite no actual change in my credit info. What the gently caress? Wow. That is bizarre. Especially for no known difference and it came officially from Equifax.
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Jun 30, 2022 22:00
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I have a $5/mo donation to greenpeace on my worst card, and it's auto setup to auto pay off each month. On another it's $5/mo to ACLU, another is $5/mo for "hip-hop for change" local inner city after school non-profit. Another donates $5/mo to the local sailing program. The non profit people all camp out outside of my grocery store in the summers. Keeps everything active and gets paid off in full each month to the whopping tune of $5/mo plus I get a really nice Christmas card from the sailing team each year. Also also, generates some activity on the card so I don't forget about them when reviewing bills each month
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Jun 30, 2022 22:59
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KOTEX GOD OF BLOOD posted:Ninja edit above, but it's direct from Experian. There's nothing new on there. No new hard inquiries, no new debt, no missed payments, nothing. Just a great big gently caress you to my previously awesome credit score right when I need it most. Did your credit usage change? Credit usage under 5% is good and it's not difficult to shoot a single card through the roof accidentally if the credit limit is low.
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Jul 1, 2022 00:16
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asur posted:Did your credit usage change? Credit usage under 5% is good and it's not difficult to shoot a single card through the roof accidentally if the credit limit is low.
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Jul 1, 2022 02:33
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KOTEX GOD OF BLOOD posted:No, it actually went down a bit. Have you actually reviewed your full credit report recently from all three credit bureaus? I'd start getting nervous with that kind of drop and zero changes that I had implemented. I'd probably start making sure I could ID every pull and account listed. And do a quick scan of my cards to double check charges. If those were all good, then Id write it off as weird. But then I've been in a ton of credit breeches, so I tend to get paranoid. That hard pull from your mortgage company will drop your score in the short term, but I had like 3 back to back and had less of a drop than you are saying you had
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Jul 1, 2022 04:01
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Echoing that, definitely look at the full report. Could be an old account fell off after the 10 year limit? I壇 be more worried someone reported a missed payment. That is a massive drop, my score has never moved more than 50 points or so at a time between various loans, including 2 mortgages, and a bunch of credit card churning. What痴 your score at now? 720 was usually the break point for good credit when I was selling mortgages 15 years ago.
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Jul 1, 2022 19:08
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The new Wells Fargo Autograph card is live today. 3X on Dining, Travel, Gas, Transit, Streaming, and Phone Plans. No AF, no FTF. Cell phone insurance, rental car insurance. Seems like a good card to have if you don't hate Wells Fargo too much. https://creditcards.wellsfargo.com/autograph-visa-credit-card/ IDK if I'm going to PC my Active Cash over or sign up for a new card. I hate to miss the $300 SUB, but I want to be under 5/24 ASAP.
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Jul 13, 2022 17:39
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Shroomie posted:The new Wells Fargo Autograph card is live today. 3X on Dining, Travel, Gas, Transit, Streaming, and Phone Plans. No AF, no FTF. Cell phone insurance, rental car insurance. Seems like a good card to have if you don't hate Wells Fargo too much. I still have the Propel and that really just looks like they slapped a new name on the Propel.
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Jul 13, 2022 18:35
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Thoguh posted:I still have the Propel and that really just looks like they slapped a new name on the Propel. Yeah in a lot of ways it's just a Propel Visa.
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Jul 13, 2022 19:24
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My Admirals club membership ran out and I知 debating whether to sign up for the Citi AA Executive card. If I do and they take forever to send it, would I get access to the admirals club before I receive the actual card? Would they be able to look me up in the system to find out I知 a member prior to getting the physical card?
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Aug 4, 2022 23:27
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Cacafuego posted:My Admirals club membership ran out and I知 debating whether to sign up for the Citi AA Executive card. If I do and they take forever to send it, would I get access to the admirals club before I receive the actual card? Would they be able to look me up in the system to find out I知 a member prior to getting the physical card? This is very issuer and co-brander specific, you probably want to google around for the information and see what people are saying. I got my priority pass access on my amex hilton before I got the amex hilton, but that doesn't always happen. If it's a big deal to you and do you do a non-automated application you might bring that up and see if they can expedite, sometimes they will expedite cards.
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Aug 4, 2022 23:55
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Cacafuego posted:My Admirals club membership ran out and I知 debating whether to sign up for the Citi AA Executive card. If I do and they take forever to send it, would I get access to the admirals club before I receive the actual card? Would they be able to look me up in the system to find out I知 a member prior to getting the physical card? If you are the primary cardholder, it will be reflected in your AA account and you do not need the card to get into the admirals clubs. If you add family members etc as secondary cardholders, they need to have the physical card with them to get in without you. Also, usually these premium cards will be expedited (and our Citi AA Exec was), so you should get it pretty quickly.
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Aug 5, 2022 01:55
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Small White Dragon posted:If you are the primary cardholder, it will be reflected in your AA account and you do not need the card to get into the admirals clubs. If you add family members etc as secondary cardholders, they need to have the physical card with them to get in without you. This is what I assumed, but thank you for the confirmation!
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Aug 5, 2022 02:38
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Jerk McJerkface posted:Goon Credit Card random referral page: Figured I'd bump this along with my question. What are some good cards these days with a low/zero balance transfer fee? Looking to float about $10k if possible to avoid some interest/fees. My credit is excellent, and I'd like to use a goon ref so everyone wins if possible.
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Aug 10, 2022 15:09
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Jerk McJerkface posted:Figured I'd bump this along with my question. What are some good cards these days with a low/zero balance transfer fee? Looking to float about $10k if possible to avoid some interest/fees. My credit is excellent, and I'd like to use a goon ref so everyone wins if possible. Alliant Credit Union offers a Visa Platinum with 0% APR for 12 months (2% fee) on balance transfers if you're not opposed to joining an online credit union. SamDabbers fucked around with this message at 15:25 on Aug 10, 2022 |
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Aug 10, 2022 15:22
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SamDabbers posted:Alliant Credit Union offers a Visa Platinum with 0% APR for 12 months (2% fee) on balance transfers if you're not opposed to joining an online credit union. I'm already a member of Alliant actually, I'll check it out, thanks!
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Aug 10, 2022 15:24
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Jerk McJerkface posted:I'm already a member of Alliant actually, I'll check it out, thanks! Nice. They'll switch your account over to their Visa Signature (which gives 2.5% cash back on everything if you keep $1000 in a checking account and make one electronic deposit per month) later at your request if you want a good cash back card.
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Aug 10, 2022 15:26
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If anyone's looking to sign up for the Bank of America Alaska Airlines card, can PM me or hit me up here. Referral seems like a manual process wherein I'd have to put your information into a form to get the offer sent out rather than an automatically generated link like the more convenient options. Great card if you fly Alaska.
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Aug 11, 2022 19:37
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I'm looking at getting out of Wells Fargo and I have a credit card with them. I've got everything ready for the checking and savings accounts save a meeting with a local banker and actually moving the money to my new bank prior to said meeting. My assumption is that I won't be able to move my Wells Fargo rewards card to another bank, but on the off chance that it is possible, how would a person do such a thing? Alternatively, how much of a pain would it be to keep nothing but the card at Wells, set up a recurring expense on the card, and set up a recurring payment from a separate bank? Would it be worth the trouble or would I be better off closing it and getting a new card? I don't have any major purchases planned soon, nearest thing we're looking at is maybe a car in 1-2 years.
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Aug 16, 2022 20:48
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What do you mean by moving the credit card? If you have a balance that you'd like to move to be owed to another bank that's easy, you just open another card account and say you want to do a "balance transfer." Credit cards will have promotional offers for balance transfers like 0% interest on your transferred balance for some period of time so those are worth shopping around for. If you want to have your new bank to still honor your wells fargo rewards program terms then no, that won't happen. You can keep the card open if you want, the only reason you'd do that is if you're concerned about your credit report saying you have an older credit card account, but I personally have never thought deliberately trying to keep an old account around to try and game the credit score was worth the hassle.
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Aug 16, 2022 21:03
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Oldsrocket_27 posted:I'm looking at getting out of Wells Fargo and I have a credit card with them. I've got everything ready for the checking and savings accounts save a meeting with a local banker and actually moving the money to my new bank prior to said meeting. My assumption is that I won't be able to move my Wells Fargo rewards card to another bank, but on the off chance that it is possible, how would a person do such a thing? Alternatively, how much of a pain would it be to keep nothing but the card at Wells, set up a recurring expense on the card, and set up a recurring payment from a separate bank? Would it be worth the trouble or would I be better off closing it and getting a new card? I don't have any major purchases planned soon, nearest thing we're looking at is maybe a car in 1-2 years. If it's a credit card you can just keep the card and pay it from your new bank account. If it's a debit card then it draws on funds in that bank so you can't really do this. You can pay a credit card for any bank from any bank. Well maybe there's a bank that somehow won't let you but I am not aware of any credit card that has to be paid from within that bank, and even if there was, you could just keep the wells account open, keep 5$ or some minimum amount in it, then transfer funds to that account each month to pay the credit card. But just because you can do all this doesn't mean you necessarily should, it's kind of a hassle.
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Aug 16, 2022 21:07
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