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Rip got the Sallie Mae end letter
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Dec 16, 2016 04:21
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Yea I think I'll just be using my double cash for everything. Does Barclays have a no fee 0 ftf I could convert this card to?
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Dec 16, 2016 16:54
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Positive is lower utilisation, negative is ??? Unless you can't control spending and a higher limit would lead to more spending
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Dec 20, 2016 19:55
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I have double cash and discover it. Hoping it will do well enough
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Feb 23, 2017 01:24
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Bumped up my average age of accounts from 1.5 years to 3.5 years by adding myself as an authorized user to my wife's oldest cc. Credit score isn't a game but at least now I have a 0 ftf card with my name on it I can use overseas (Quicksilver)
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Mar 8, 2017 04:03
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THF13 posted:Have you checked your credit report directly? I didn't think credit card companies still used the primary account holder's signup date for authorized users. Ya I use the nerd wallet app to track it, and according to the report that pulls it shows there. Both of my cards I've added my wife to have also shown up on her credit report (former Sallie Mae and double cash)
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Mar 8, 2017 12:59
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ChikoDemono posted:Welp, declined for a Chase Freedom card because I don't have recent credit history. I guess I should try out that Discover secured card, unless there's a card that would accept a 711 credit score with no history? Was that online app only or did you call them? If you didn't call them then try that.
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Apr 3, 2017 22:43
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I have a Citi double cash card, and I recently joined Costco and got the Costco card. Does anyone know if I will be able to use the same Citi login as the double cash? When i opened a second barclays card it popped up immediately. So far the Costco hasn't shown up in my Citi account.
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Jun 8, 2017 17:31
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Great, thanks!
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Jun 8, 2017 18:20
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Quicksilver is nice for a decent bonus and no foreign transaction fee if you're going to be going over seas.
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Aug 4, 2017 02:22
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I have the Costco card, and purchase passes for local busses and subways. It doesn't appear that these are falling under the 'travel' section of the Costco card. Is there a list of what counts somewhere? It's potentially $12/mo in rewards, so not insignificant
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Aug 8, 2017 17:14
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It's crazy how much credit utilisation can effect credit score. I usually sit around 6-8% toward the end of the month, but I had some large expenses this month and it's at 10%. Acording to nerdwallet my score dropped 18 points, with everything else being the same.
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Aug 9, 2017 16:52
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Most of my spending is done on my double cash, or Costco card (gas 4%, restaurants 3%, travel 3%). I have a discover it that I use when the 5% category is something useful. Thinking about opening the chase freedom to have another card with 5% rotating, and for the $150. Any harm in opening that and only using it when there is a compelling category? Might mean it's not used at all for a quarter or something. Credit score about 780, not planning on getting a car loan or mortgage soon.
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Sep 12, 2017 21:50
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Got a mailer for a promotion the Barclays Commence is doing (its the re branded Sallie Mae card). $10 bonus cash back each for October, November, and December if you spend $1,500 each month. $50 bonus on top of that if you hit $1,500 each month. They really want people to use their lovely card I guess.
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Sep 26, 2017 18:21
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Could be worth a product change from the lovely card Sallie Mae got turned into
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Oct 27, 2017 12:54
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Lol my wife got a mailer for LUXURY BLACK CARD and it's trying so hard to sell the SODOSOPA lifestyle And it's only a lovely 1.5% back Lol holy poo poo $495 annual fee just to have their lovely card
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Dec 13, 2017 02:26
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I have the Quicksilver it's good. If you live in a market with Capitol One bank locations that have Pete's coffee shops in the bank, if you use a capital one card the drink is half priced.
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Dec 18, 2017 13:41
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lol Former Sallie Mae Barclay turned into Barclay Commence is already being changed to a different Barclays card.
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Mar 9, 2018 23:13
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Does Barclays have any non poo poo cards I could change my old Sallie Mae to something else? I just got an email that it is now an even new card but it is still poo poo for rewards. I have a double cash for normal spending, Costco visa for gas/restaurants/travel expenses... I pay Hulu on the Barclays card and that's it
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May 9, 2018 15:11
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Barclays is poo poo
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May 9, 2018 19:00
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Awesome LL Bean card is switching from Barclays to Citibank. I loving hate Barclays. I set up text alerts for purchases with Barclays and it doesnt text you until the transaction clears (after 2-3 days...)
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May 18, 2018 14:02
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Is Citi price rewind only for online purchases or can I do a b&m purchase and match it to online?
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May 26, 2018 20:31
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astral posted:The latter. Cool follow up question - is the amount they pay you back from Citibank itself or do they force the vendor to give them back money I don't want to dick over the small mom & pop store
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May 26, 2018 20:38
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Awesome thanks
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May 26, 2018 20:45
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I have a question about Rental Car Insurance provided by credit cards. Using the Citi Costco Card it says they pay up to $50,000 or the cost of the car, but we have to decline the rental companies insurance. How does that all work? How does our car insurance play into the equation?
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Jul 7, 2018 16:38
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Shear Modulus posted:I got the Discover It via Leon Trotsky 2012's referral link and they gave me a card with a $2000 limit?? I opened and LL Bean store credit card (my wife makes a lot of returns and it's free shipping on returns w the card or it was they changed it and now I don't know) and they gave me like 15000
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Jul 18, 2018 03:58
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this is maybe the first time that a credit card company gave me a credit line that's not like almost half of my annual income.
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Discover was my first credit card I opened when I was in grad school with no job and a limit of $500. I think it's at $3500 now but I'm not sure I've done an increase request recently
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Jul 18, 2018 04:08
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Weird question. I had a store brand card (LL Bean) that was serviced by Barclays. They changed it to Citi, and changed the rewards. The Barclays card dropped off my credit report, but the Citi card still hasn't shown up, and it's been 5 or 6 months. How long should it take to appear? It's not a big issue, just weird.
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Sep 18, 2018 15:30
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Power of Pecota posted:How often do you guys have anything eligible for the Citi price rewind? I just recently got my Doublecash and honestly didn't realize that was a feature. I bought a bike rack at a local store for like 150 and Amazon had it for 120 and I submitted a price rewind and they gave it to me. It was good because I needed the rack same day and the store couldn't price match because the Amazon price was below wholesale cost
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Oct 18, 2018 18:35
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Costco card is 3% on travel 4% on gas 
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Nov 5, 2018 21:20
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Sirotan posted:Only 4% back at Costco gas stations though, 1% everywhere else.
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Nov 5, 2018 23:11
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Fhqwhgads posted:From what I'm reading, if I add an authorized user to my CC, and I have excellent credit (long credit history, no bad marks, high credit limits), I can help improve their credit score at no hit to my own (assuming they don't run up a huge bill and gently caress me over obviously). Does the opposite hold true, then? If after a time I remove them as an authorized user and they then lose that account, their credit will take the hit as if they closed an old CC line? My wife added me as an AU for a 9 year old card and it bumped by score up, as at the time I had a very short credit history (less than 2 years). If you removed them it would probably drop off their report. Keep in mind some servicers don't report on credit report for AUs.
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Nov 8, 2018 18:02
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Furia posted:Is it true that getting a phone contract (either sim only of device included) is good for credit history? I've never seen a cell plan show up anywhere on my credit history and I've have a few different carriers.
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Apr 19, 2019 13:50
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Has anyone gotten a double cash recently? Mine is expiring soon and I'm wondering if the replacement they will send will have the NFC chip for contactless payment. I find myself using the Quicksilver sometimes since it has the NFC and the double cash doesn't. Missing out on that sweet sweet 0.5% cashback
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Jun 3, 2019 16:15
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astral posted:Sounds like Citibank is now offering contactless versions of cards other than the Costco card. Just request a replacement for a 'damaged' card online - they'll even express it for free - and it'll be contactless by default. I just got replacement DoubleCash cards in the mail because the card is expiring at the end of September, and I'm sad to see they aren't contactless. e: Sometimes I end up using Capitol One Quicksilver and get less in rewards just because it has contactless The Slack Lagoon fucked around with this message at 22:53 on Aug 30, 2019 |
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Aug 30, 2019 22:51
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Called Citi and they are sending replacement cards that will be contactless FedEx express. Noice.
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Aug 30, 2019 23:01
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Got an email saying the Double Cash can now convert to Thank You points. Any way to turn those points into something more valuable that the cashback value?
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Oct 12, 2019 01:13
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Magic City Monday posted:So what would be the next best no-fee all rounder? Capital One Quicksilver? (Double Cash is no good because I need no foreign transaction fees). I use a double cash in the states and Quicksilver abroad
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Oct 28, 2019 22:57
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Josh Lyman posted:and the rewards only come once/year in the form of Costco cash. You cash the certificate in for actual cash at the membership desk
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Oct 29, 2019 16:28
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Josh Lyman posted:FYI 4% on gas is only the first year. After that it’s 1%. On year 3 of the Costco CC and gas is still 4%
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Jan 19, 2020 07:36
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