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« Last edited by ari2955 on August 06, 2014, 02:45:55 PM »

Author Topic: START HERE: Links To Credit Card Threads  (Read 192631 times)

Offline etech0

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #120 on: March 10, 2014, 11:34:42 AM »
Pretty much.  There used to be one and it got deleted.
Wonder if anyone has an archived/backup copy and would mind pming it to me...
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Offline DBK

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #121 on: March 10, 2014, 11:38:38 AM »

Wonder if anyone has an archived/backup copy and would mind pming it to me...
Same here if you have any luck please pm me as well.

Offline jjeettss917

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #122 on: March 10, 2014, 12:19:14 PM »
i have looked for a forum that deals with the best place to transfer Chase UR points but have not found anything recent...can someone answer or provide a link please?
TY

Offline srap

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #123 on: March 10, 2014, 01:06:40 PM »
Wonder if anyone has an archived/backup copy and would mind pming it to me...
This will save a lot of my forthcoming q's once I get my CCs!  I'm in for PMing to me too.

Offline DBK

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #124 on: March 10, 2014, 02:15:33 PM »

i have looked for a forum that deals with the best place to transfer Chase UR points but have not found anything recent...can someone answer or provide a link please?
TY
Depends if you want it to go towards hotels or flights. What do you want to transfer them to?

Offline lunatic

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #125 on: March 18, 2014, 02:04:24 PM »
Depends if you want it to go towards hotels or flights. What do you want to transfer them to?
i have looked for a forum that deals with the best place to transfer Chase UR points but have not found anything recent...can someone answer or provide a link please?
TY

Agreed. I have not seen it posted anywhere, but transferring UR to amtrak can make sense sometimes... where would I post that

Offline stbaum

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #126 on: April 14, 2014, 10:28:01 AM »
how much time do i have to call recon after i get the denial letter in the mail?
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Offline AnonymousUser

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #127 on: April 14, 2014, 10:29:12 AM »
how much time do i have to call recon after i get the denial letter in the mail?
30 days from the date on the letter.

Offline David0101

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do you need good credit for these cards?
« Reply #128 on: May 09, 2014, 08:14:50 AM »
Hi - I am new here and wonder if you need good credit to apply for any of these credit card deals.

Any advice would be great. I am looking for a line of credit for my business. Thank you.

David

Offline srap

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Re: do you need good credit for these cards?
« Reply #129 on: May 14, 2014, 03:10:12 AM »
Hi - I am new here and wonder if you need good credit to apply for any of these credit card deals.

Any advice would be great. I am looking for a line of credit for my business. Thank you.

David
What do you mean by that?  Look at the wiki at the top of CC for Beginners. 

Biz CCs are harder to get than personal, but very attainable.    OTOH, if you have a viable business in the black they are more willing to deal.  If not, or they feel you are more risky, Chase Freedom may be one of the easiest since it is only a $500 minimum credit line instead of a $5k one.  Lots of threads, tons of reading.  Hatzlocho!

Offline HDS

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #130 on: May 18, 2014, 12:32:19 PM »
A recent study shows that I'm not alone in knowing little about Credit Scores. (http://www.consumerfed.org/news/669)

I've been looking for a thread about them - how they are calculated, what matters, what doesn't matter, how they are used by banks, what is the best way to dispute, etc. I have searched, and I haven't really found anything like that.

If there isn't such a thread already, would such a new thread be welcome here by The Establishment?

I have done a fair number of Google searches. Many sites have the famous percentages, and "examples" of how much a good score can save you. I get it - I should pay my bills on time, and I want a good score. :) Few, if any, seem to have information on the calculations themselves, or specifics on how positive or negative activity in any of the percentage categories are actually scored. I understand that much of this is proprietary bank information, but surely there are some people with at least some general knowledge and advice? If anyone has any helpful links with information, I'd be eager to see them - feel free to PM or post.

A smattering of the questions I have: (I understand that some of them are broader than just the credit score piece, but that's an important part of all of them. Plus, I have more.)

Even though the percentages tell you how much the categories are worth (On time payments, 35%, how much you owe, 30%, etc.) it doesn't tell you anything about the scoring of particular activities within those categories. Examples (not the best, but you'll get the point, hopefully): If I miss a mortgage payment by a month, will I get a 0 for my 35% of on time payments? Is that the same as if I missed an $85 student loan payment by a month 10 years ago? Or if I missed a $1.95 CC payment in high school that I still haven't paid? If I recently refinanced, so I still owe close to 100% of my current mortgage, is that a black mark against my 30% of how much I owe?

How much is a pull worth, in points and in dollars?

What are items that are worth disputing off your credit reports, and what are effective ways to do this?

How badly (and for how long) does new credit hurt, as compared with the benefit of more credit leading to a lower utilization ratio? Is there a way to calculate this?

If your mortgage is by far your largest credit, dwarfing your CC credit, and your utilization is high (meaning, you aren't close to paying it off) does this impact your score in terms of credit card approvals?

How often should you put a few dollars on a CC you don't use for regular spending in order to make it work in your favor in your credit score?

What are good practices in terms of managing CLs, both in terms of credit score and in terms of being approved for more CCs from the same bank in the future? Is it detrimental to have a wide variation between CLs on different CCs, independent of utilization?

Edit: Wanted to add one more: Most of the charts showing different levels seem to group the over 700 crowd together, pretty much. Maybe there is another little break at around 740. Once you are over 74x, how much benefit do you get by continuing to increase your score? Are certain banks known to have target scores one should aim for?
« Last Edit: May 18, 2014, 01:13:36 PM by HDS »

Offline notanonymous

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #131 on: May 19, 2014, 02:40:14 PM »
If your mortgage is by far your largest credit, dwarfing your CC credit, and your utilization is high (meaning, you aren't close to paying it off) does this impact your score in terms of credit card approvals?
A mortgage is not revolving credit.

Offline HDS

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Re: START HERE: Links To Credit Card Threads And Other Popular Threads
« Reply #132 on: May 21, 2014, 10:14:16 AM »
A mortgage is not revolving credit.

I understand that, neither is a car loan, student loan, etc. Do these not impact your credit utilization component of your score?

Offline avadah

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« Last Edit: June 09, 2014, 06:25:12 PM by avadah »

Offline Thingywingy

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Re: START HERE: Links To Credit Card Threads
« Reply #134 on: October 02, 2014, 12:01:13 PM »
I think this thread is should be stickied to the top of the Credit Card section. It's very helpful to non-beginners as well, and can help avoid duplicate threads.
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline ari2955

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Re: START HERE: Links To Credit Card Threads
« Reply #135 on: October 08, 2014, 01:39:02 AM »
I think this thread is should be stickied to the top of the Credit Card section. It's very helpful to non-beginners as well, and can help avoid duplicate threads.
+1

This tread belongs in the credit card section.

Offline Boruch999

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Re: START HERE: Links To Credit Card Threads
« Reply #136 on: November 01, 2014, 06:40:18 PM »
I think this thread is should be stickied to the top of the Credit Card section. It's very helpful to non-beginners as well, and can help avoid duplicate threads.

see here: http://forums.dansdeals.com/index.php?topic=45916.0

Offline rots5

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Re: START HERE: Links To Credit Card Threads
« Reply #137 on: November 24, 2014, 01:57:23 PM »
I have A question.

what CC would be recommended for someone who does 3mm a yr but cant use amex or chase.
If you have any questions please search and then ask. PM me for detailed help.

Offline bb1836

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Re: START HERE: Links To Credit Card Threads
« Reply #138 on: December 15, 2014, 03:23:42 PM »
Link for SimplyCash Business card from Amex?
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Online TimT

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Re: START HERE: Links To Credit Card Threads
« Reply #139 on: December 21, 2014, 07:56:23 PM »
Link for SimplyCash Business card from Amex?
Dan doesn't have