Author Topic: Misc Credit Card Questions  (Read 323022 times)

Offline Pad18

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Re: Misc Credit Card Questions
« Reply #6705 on: November 12, 2017, 08:04:45 PM »

Offline a good yeshiva bachur

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Re: Misc Credit Card Questions
« Reply #6706 on: November 12, 2017, 09:03:30 PM »
To what cc ?

To the one with no fee

Offline helpyouamdme

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Re: Misc Credit Card Questions
« Reply #6707 on: November 12, 2017, 09:34:34 PM »
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Offline Pad18

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Re: Misc Credit Card Questions
« Reply #6708 on: November 13, 2017, 09:03:15 AM »
To the one with no fee

So because it is the same, I can't 'downgrade', need to close mine and apply for the same card again.

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #6709 on: November 13, 2017, 09:38:01 AM »
So because it is the same, I can't 'downgrade', need to close mine and apply for the same card again.
Ask if there's anything it can be converted to that has no AF.

Offline Pad18

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Re: Misc Credit Card Questions
« Reply #6710 on: November 14, 2017, 09:37:09 AM »
Ask if there's anything it can be converted to that has no AF.

Went inside the branch, and again was told same thing, can't downgrade or waive the fee.
Any other other suggestions what is best ?

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #6711 on: November 14, 2017, 10:56:24 AM »
I have a Bankof Cash Rewards open in 2014 (was 1 of my first card) I rarely used it, the anuall fee on it is $39, I just realize that they offer the card with no fee, I called and was told by 2 agents that they can't remove the fee ..

what are my best option ?
For $39 it may be worth keeping it for now.
Is this one of your older cards? If yes, does it lengthen your 'age of accounts' significantly? then keep it open.
Does this have a large credit line? If yes, do you have another Bankof card that you can move the credit line to if you close this one?  If not, keep it open.


If it doesn't age your history or if losing the credit line is not a big hit, just close it and don't look back.

Offline Pad18

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Re: Misc Credit Card Questions
« Reply #6712 on: November 14, 2017, 11:56:20 AM »
Thanks for the respond and help.

Offline Yitzshpitz

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Re: Misc Credit Card Questions
« Reply #6713 on: November 14, 2017, 12:29:10 PM »
If I cancelled an Amex card and forgot to transfer credit line. Can I still do it ? (within a week)

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #6714 on: November 14, 2017, 01:18:47 PM »
If I cancelled an Amex card and forgot to transfer credit line. Can I still do it ? (within a week)
call and find out.

Offline chinagel

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Re: Misc Credit Card Questions
« Reply #6715 on: November 14, 2017, 02:07:55 PM »
has anyone recently gotten more than 2 amex CREDIT cards within 90 days? business or personal

Offline mmgfarb

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Misc Credit Card Questions
« Reply #6716 on: November 14, 2017, 04:16:07 PM »
If I cancelled an Amex card and forgot to transfer credit line. Can I still do it ? (within a week)
How long ago did you close it? You can probably reopen it, transfer, then close again.
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Offline BrachaB

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Re: Misc Credit Card Questions
« Reply #6717 on: November 22, 2017, 05:54:17 PM »
I'm trying to make sense of all this credit card info on DDF, but it's beginning to make my brain muddled...

I currently have just one credit card - the Discover It, as well as two store cards, and since I'm not into the whole miles and points thing, it's been working fine for me until now. Now I am looking to open a new card on which I can charge a couple thousand, over a month or two, and then not have to worry about paying the full amount right away. I don't particularly care about miles or points, but I don't want to have to pay an annual fee.

Do most credit cards offer 0% APR for the first year? If not, is there a good way to find out which ones do? It doesn't say anything about it on the comparison chart.

Offline yhaller14

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Re: Misc Credit Card Questions
« Reply #6718 on: November 22, 2017, 05:57:28 PM »
I'm trying to make sense of all this credit card info on DDF, but it's beginning to make my brain muddled...

I currently have just one credit card - the Discover It, as well as two store cards, and since I'm not into the whole miles and points thing, it's been working fine for me until now. Now I am looking to open a new card on which I can charge a couple thousand, over a month or two, and then not have to worry about paying the full amount right away. I don't particularly care about miles or points, but I don't want to have to pay an annual fee.

Do most credit cards offer 0% APR for the first year? If not, is there a good way to find out which ones do? It doesn't say anything about it on the comparison chart.
Leaving a balance is bad for your credit score...
"In the end we only regret the chances we didn't take"

Offline BrachaB

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Re: Misc Credit Card Questions
« Reply #6719 on: November 22, 2017, 06:09:17 PM »
Leaving a balance is bad for your credit score...
I know, but I might have to - might not have a choice.