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This is the thread where you can ask any random question you have. Feel free to ask even the most basic questions that you otherwise might be embarrassed to ask. This is the thread for beginners, so veterans here will treat you nicely. Ask a beginner's Q in some other threads and no guarantee of that same treatment. ;)
People here want to help, so just have some patience, follow the tips below and hopefully someone will help you when they have a chance.

If you looking for a particular thread you once saw and can't find it, this is not the place to ask. Check out Help Me Find It and ask there.

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Click the blue reply button at the top or bottom of the page, type your question, and click post!

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Author Topic: Questions and Help for BEGINNERS!  (Read 1755081 times)

Offline mmermss

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Re: Questions and Help for BEGINNERS!
« Reply #840 on: April 02, 2013, 10:58:06 PM »
Quote from: yuneeq on April 02, 2013, 10:56:07 PM
True. But he is looking to apply for more cards than one...
Quote from: sky121 on April 02, 2013, 10:42:55 PM
I usually just apply for the SP version I don't have (Visa, Mastercard) and close down the other to get it approved. And I usually close down the Uniteds and move over the credit to a different card currently open and then apply.
You can add a BA
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Offline mmermss

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Re: Questions and Help for BEGINNERS!
« Reply #841 on: April 02, 2013, 10:58:38 PM »
Quote from: lcyitz on April 02, 2013, 10:58:02 PM
So shifting credit does not make a difference if done via reconsideration or via reallocation?
Regarding you credit score? No.  Its the pull that you get when applying for a card.
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Offline lcyitz

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Re: Questions and Help for BEGINNERS!
« Reply #842 on: April 02, 2013, 10:59:12 PM »
Quote from: mmermss on April 02, 2013, 10:58:06 PM
You can add a BA
I had one before and I heard they are tough.
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Offline mmermss

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Re: Questions and Help for BEGINNERS!
« Reply #843 on: April 02, 2013, 11:00:22 PM »
Quote from: lcyitz on April 02, 2013, 10:59:12 PM
I had one before and I heard they are tough.
They are...it wasnt mentioned in your list...
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Offline lcyitz

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Re: Questions and Help for BEGINNERS!
« Reply #844 on: April 02, 2013, 11:00:51 PM »
Quote from: mmermss on April 02, 2013, 10:58:38 PM
Regarding you credit score? No.  Its the pull that you get when applying for a card.
Right. But does reallocating still work with chase, like can I just call before I apply to shift some credit from one card to another?
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Offline mmermss

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Re: Questions and Help for BEGINNERS!
« Reply #845 on: April 02, 2013, 11:01:45 PM »
Quote from: lcyitz on April 02, 2013, 11:00:51 PM
Right. But does reallocating still work with chase, like can I just call before I apply to shift some credit from one card to another?
Yes
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Offline yuneeq

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Re: Questions and Help for BEGINNERS!
« Reply #846 on: April 02, 2013, 11:03:04 PM »
Quote from: lcyitz on April 02, 2013, 11:00:51 PM
Right. But does reallocating still work with chase, like can I just call before I apply to shift some credit from one card to another?

You would call after you apply, not before.
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Offline lcyitz

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Re: Questions and Help for BEGINNERS!
« Reply #847 on: April 02, 2013, 11:07:53 PM »
Quote from: yuneeq on April 02, 2013, 11:03:04 PM
You would call after you apply, not before.
? I believe there is a department you can call too shift credit. ( even before)
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Offline yuneeq

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Re: Questions and Help for BEGINNERS!
« Reply #848 on: April 02, 2013, 11:12:35 PM »
Quote from: lcyitz on April 02, 2013, 11:07:53 PM
? I believe there is a department you can call too shift credit. ( even before)

Where are you shifting your credit to, and why would that help?
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Offline lcyitz

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Re: Questions and Help for BEGINNERS!
« Reply #849 on: April 02, 2013, 11:18:16 PM »
Quote from: yuneeq on April 02, 2013, 11:12:35 PM
Where are you shifting your credit to, and why would that help?
From united cards to sp. Just easier to shift before so when it comes to recon I won't be shifting from a united to a united.
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Offline mmermss

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Re: Questions and Help for BEGINNERS!
« Reply #850 on: April 02, 2013, 11:21:20 PM »
Quote from: lcyitz on April 02, 2013, 11:18:16 PM
From united cards to sp. Just easier to shift before so when it comes to recon I won't be shifting from a united to a united.
Yup
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Offline DovtheBear

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Re: Questions and Help for BEGINNERS!
« Reply #851 on: April 05, 2013, 12:44:21 AM »
Im not really sure where to post this: so i tried in the Help me search thread, and i figured ill try here, because its a beginner question.
when should i pay my cc? Right away? etc.
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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #852 on: April 05, 2013, 12:47:04 AM »
Quote from: DovtheBear on April 05, 2013, 12:44:21 AM
Im not really sure where to post this: so i tried in the Help me search thread, and i figured ill try here, because its a beginner question.
when should i pay my cc? Right away? etc.

I pay most of it after it posts and the rest after the statement closes.
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Offline DovtheBear

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Re: Questions and Help for BEGINNERS!
« Reply #853 on: April 05, 2013, 12:48:45 AM »
Quote from: sky121 on April 05, 2013, 12:47:04 AM
I pay most of it after it posts and the rest after the statement closes.
How come? Why would you divide it like that?
And when does "the statement close"?
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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #854 on: April 05, 2013, 12:51:37 AM »
Quote from: DovtheBear on April 05, 2013, 12:48:45 AM
How come? Why would you divide it like that?
And when does "the statement close"?


Personally I like knowing my bills are paid off.
But more importantly you keep your credit utilization score low by only using a smaller amount of your credit.

Your statement closes...when it closes. Each credit card has a different date.
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Offline DovtheBear

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Re: Questions and Help for BEGINNERS!
« Reply #855 on: April 05, 2013, 12:53:21 AM »
Quote from: sky121 on April 05, 2013, 12:51:37 AM

Your statement closes...when it closes. Each credit card has a different date.
What i meant was: Does it closes at the end of a cycle, and then you get your bill etc?
Or once you get the bill is it too late?
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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #856 on: April 05, 2013, 12:54:00 AM »
Quote from: DovtheBear on April 05, 2013, 12:53:21 AM
What i meant was, it closes at the end of a cycle, and then you get your bill etc?
Or once you get the bill is it too late?

It closes on a certain date. After that date is when I pay the rest.  The bill comes in the actual mail a few days later usually. Either way.
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Offline DovtheBear

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Re: Questions and Help for BEGINNERS!
« Reply #857 on: April 05, 2013, 01:00:47 AM »
Quote from: sky121 on April 05, 2013, 12:54:00 AM
It closes on a certain date. After that date is when I pay the rest.  The bill comes in the actual mail a few days later usually. Either way.
So i should keep on top of it, online, and pay as soon as it closes?
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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #858 on: April 05, 2013, 01:02:55 AM »
Quote from: DovtheBear on April 05, 2013, 01:00:47 AM
So i should keep on top of it, online, and pay as soon as it closes?

Whatever you leave over to pay after the statement closes can be paid anytime from when it closes until the due date. That makes no difference.
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Offline DovtheBear

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Re: Questions and Help for BEGINNERS!
« Reply #859 on: April 05, 2013, 01:08:29 AM »
Quote from: sky121 on April 05, 2013, 01:02:55 AM
Whatever you leave over to pay after the statement closes can be paid anytime from when it closes until the due date. That makes no difference.
Ah okay. I understand- theres a closing date, when the cycle ends. And a due date- when you have to pay it by in order not to incur fees.
(is that right?)
Thanks alot for you clarification!
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