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Re: $2 trick to increase FICO score. David is saying that your idea will work.   When you pay the $2 statement balance to Chase,  it will not report as $0 mid-cycle if you have already put new charges on the card because you will not be PIF'ing.

The reason it is suggested not to use Chase is to make it easier for people to understand and implement,  not because it isn't possible to make it work.  Most people have issuers other than just Chase,  so its easier to explain on the internet by advising that Chase is avoided rather than adding a bunch of caveats.

Plus many of us who do the $2 trick pay the $2 the day it posts, not letting the balance  marinate for the entire month.

December 04, 2016, 12:17:45 PM
Re: Credit Card For Beginners
MS and churning are not the same thing. Nobody here is going to just tell you any MS methods that they know about that rent public knowledge. You can start by reading the wiki in the serve and bluebird threads.

Don't be misleading. This guy will definitely help out:

December 12, 2016, 01:14:36 AM
Re: Barclays US Airways
40K with no spend is pretty solid.
Exactly.  40K for any initial purchase is about as good as it gets in this game.

December 15, 2016, 12:47:48 PM
Re: Barclays US Airways
Yes, I would prefer 60k + waived first year annual fee for 3k spend!

This is a solid offer for churners, and easy 40k miles but I was hoping for something that would really compete for citi customers with something stronger than what citi offers, especially since they have much tougher options for signing up new card members compared to Citi.

Except AA's goal wasn't to have Citi and Barclays competing.

December 15, 2016, 03:22:08 PM
Re: Barclaycard Aviator (AA)
40k miles, no min spend:

What if you already have this card, converted from US Airways?

Is this discussed elsewhere?
It is being discussed in the US Air thread,  although this is obviously a more appropriate thread.  The other one should be locked for new posts by now.

Someone did already get a 2nd card.

December 15, 2016, 04:28:34 PM
Re: Credit Card For Beginners
took about 4 days...

wondering (HOPING) if theres a way to overturn their decission

So I am speculating that things didn't work out too well for you?

Generally there is no way to overturn a fraud/compliance department shutdown.

December 16, 2016, 01:04:46 AM
Re: Barclaycard Aviator (AA)
Thanks. He was approved. We don't know if he'll get the bonus. Do we?

Usually Barclays gives you the bonus if you're approved.  Obviously with this new rollout they could surprise us, but based on past behavior the bonus will be granted.

December 16, 2016, 01:07:43 AM
Re: Credit Card For Beginners Guess we need to add to the possible Chase shutdown triggers:

Ever paid Chase cash towards your CC's?
Ever paid Chase via CFBP towards your CC's?
Ever paid Chase via Serve or something towards your CC's?
Ever paid Chase MO's towards your CC's?
Ever used your CC for MS?
Ever sold or transferred UR's to anyone?
Were you honest with your income on your application?
Ever flip your credit limit multiple times per month?
Ever make multiple payments towards your CC's per month
Did you open 4 new Chase CC's in a month?

December 18, 2016, 03:03:45 AM
Re: Credit Card For Beginners
Not really, almost everyone here (sorry JTZ) has many chase cards and hasn't been shut down. That is just a lost of all possible known triggers, meaning it's a list of all the reasons that we know have been given to people as the reason why they were shut down.

All of them are fine,  until you get eyes on your accounts,  and then they're not fine.

December 18, 2016, 01:14:40 PM
Re: Credit Card For Beginners
Meaning, pretty much anything you do with a chase card will trigger a shutdown.
The vast vast majority of consumers won't do any of those things on the list.

December 18, 2016, 01:19:30 PM
Re: Credit Card For Beginners
I abused many IP cards over the years and not a peep out of them. Many have done the same. The accounts that were shut down were collateral damage from checking.
Thanks for proving my point

December 18, 2016, 01:25:44 PM
Re: Misc Credit Card Questions
Should I go for the Jet blue+ card from Barclays @ 30k points or Lufthansa @ 35k points?

Are you going to fly JetBlue?

December 18, 2016, 03:56:29 PM
Re: Free Sample Products Master Thread
free razor from gillette
Requires you to submit an image

December 18, 2016, 04:21:18 PM
Re: Misc Credit Card Questions
I have a significant balance on an amex and just opened a Slate to transfer over and get back on track.  I added credit line from other Chase cards I have to the Slate.  Question is when transferring over the balance up until what % of the Slate balance is safe to utilize before it harms my credit?  The alternative is to leave more of it on the Amex, but that aint helping either....ty for the help

Who cares about your credit score.  Make the decision that saves you money.

December 19, 2016, 12:15:10 AM
Re: Hawaiian Airlines 50K
I got approved before I booked flight. (I was actually booking a flight for real, but I was definitely approved already).

Pretty clever actually -- it used my new Hawaiian card to book the flights right then and there.

That is how all the shopping cart trick cards work.  Airlines, hotels, Victoria's Secret etc

December 19, 2016, 02:26:00 AM
Re: Amex Vs. Chase The best thing about the AMEX Pt,  especially the business version,  is the massive purchasing power it gives you.  AMEX wants your spend...all of it.
December 22, 2016, 01:38:07 AM
Re: Amex Vs. Chase
-1 that's an easy way to get an FR


Try having a real business and see what other CC issuer gives you more spending power.  Then report back to me.

And once that business spending power is established,  MS is easy

December 22, 2016, 09:39:33 AM
Re: Hong Kong Master Thread
Well said

it is Cheaper in the USA

if you do it there you need to Rush cost much more!!!

first time visitors might be able to apply for a 10 year Visa

A 10 year L, F or M Visa is $140 plus the cost of 2 passport photos.  As for the 10 year Visa there's no "might"  about it.  Any US citizen that qualifies for a 30 day single entry will be granted a 10 year multi entry if requested.

10 year L, F, M visas can be transferred to a new passport if your current passport expires during the 10 year period.

If you take a tour to the Pearl River Delta (Shenzhen,  Dongguan, Guangzhou, Zhuhai)  from HK you can go 6 days sans visa as a US Citizen.  If you take a tour to Hainan its 15 days sans visa.

You can also stay 3 days Visa free on stopovers in Beijing,  Shanghai,  Chengdu and Guangzhou.  I would imagine SZX will be added soon as SZX is  really starting to pile up the International flights.

February 01, 2017, 11:02:06 AM
Re: credit score
Wow. if that's true, that could really be a big deal. any other reports on this? That affects me as a credit consultant big time..

If you are a credit consultant and do not know that Vantage Skore which the article is referencing is completely meaningless you should refund all of your clients their money and get a different job.  And I am not joking in the least when I make that statement.

April 21, 2017, 10:57:07 PM
Re: Amex waiting 6-10 weeks to issue 50% rebate on Business Platinum bookings!
I know. It sounded like he was familiar with these forums though. Not like just saying, oh I know that.

Wow.  I can't believe I'm reading this.  You gave an AMEX employee this specific thread and are then attempting to justify it.

April 27, 2017, 04:15:02 AM
Re: Why is everyone going crazy about BP 50% back
I was just thinking that Barclay's A+ actually gives back 2.1% per dollar spent and can be used on ANY airline and more...

Better keep thinking

May 14, 2017, 12:31:06 PM
Re: Identity theft You need to go into full protection mode.

File a police report. 

Complete and notarize an FTC Identity Theft Affidavit with attached police report.

Send a notarized copy/freeze all three major CRAs and the two minor CRAs.  Do these CMRRR and keep the proof of arrival.

Get PAPER copies of all three major CRAs and the two minor CRAs and scour the INQs and accounts.

Failure to do all of the above severely hinders you in the future if you end up with car leases, gym memberships, credit cards, personal loans, mortgages, tax return theft etc etc.   The only costs you should incur from all of the above are the USPS mailing fees.

May 15, 2017, 10:15:23 PM
Re: credit score
Does anyone here have experience with Rapid Rescore?

More info:

Is there a way to use it if my lender does not offer it (Commercial Loan)?

A prime example why to always keep your credit files optimized

January 03, 2018, 07:47:02 PM
Re: credit score

In this case, you never know when a business lender will decide to check your personal credit...

Regardless, there were high balances that have been paid off, and I got zero balance letters for all of those accounts.

Does anyone here have experience using Rapid Rescore?
Are there any reputable ways to get it done not directly through our lender?
(cost is not an issue in this case)

Your credit score is a snapshot in time.  A rapid rescore really means your lender pulls your credit again (for a new snapshot at a new time) and sees your most recent snapshot.  The CRAs nor your lender have any bearing when your other creditors report your updates.

Regardless, i believe its initiated by the lender.

January 03, 2018, 09:49:27 PM
Re: credit score
Check this out:

There are many others like it.

They update the CRA directly based on a letter you send them from the creditor stating the info you need changed.

I didn't mean that I didn't believe it.  I meant I learned something new.

January 04, 2018, 09:58:46 PM
Re: How many non-Jewish people use this forum?
Do you guys find the jewish-centric stuff annoying?

The topic is How Many Non-Jewish People Use This Forum.  But then you ask if people find the Jewish-Centric stuff annoying.

It's pretty obvious to the most casual of observer that this is a Jewish-Centric site on the whole.  As a non-Jew, I understand that and it is what it is.  I definitely don't find it annoying because again, it is what it is and if it was annoying i'd just never come back.

In my opinion, I would say it is more about irrelevance.  What airlines have the best kosher food, what airlines will reheat my kosher meals, where to find the best Chabad in Zimbabwe, what hotels in the Democratic Republic of Congo have regular keys for Shabbos.  That stuff is irrelevant to me, so it makes the trip reports and such less helpful/useful.

But definitely not annoying.  That would be petty on my or anyone elses part.

February 05, 2018, 02:50:51 PM
Re: [Launched] SpaceX Falcon Heavy Launch We lost two Space Shuttles with full crews after years of testing and experience.  The fact that they had technical issues on their maiden launch isn't entirely unexpected nor really a big deal.
February 07, 2018, 08:07:28 PM
Re: Courts: CC Arenít Responsible For Chargebacks If Balance Has Been Paid
February 07, 2018, 08:19:58 PM
Re: Credit Card for Large Tuition Pay them with a stack of VCG's.
February 22, 2018, 06:01:38 PM
Re: Misc Credit Card Questions
Will be using the card approx 200k yearly for gas and 100k for vehicle insurance.

2x AMEX BGR and 2x AMEX BB+

That's 800K MR/yr on organic spend.

USB also has a Business Edge Cash Select that gives 3x on insurance payments, but they shut me down for MS long before I tried to integrate it into my biz.

All my business insurance payments go on my BB+.

February 28, 2018, 01:01:22 PM
Re: credit score
On CK they do

Every time your FICO score is generated, it is updated to that instance.

The problem is it takes times for creditors to report your changes to the CRA's.  Until that happens, nothing changes.

June 21, 2018, 07:05:26 PM
Re: credit score
I know,  to summarize- to receive the largest boost quickly- make sure every card closes with 0 balance, except the card that closes soonest and let that close with $3 balance on it?

And best not to do it with Chase.

June 21, 2018, 07:06:14 PM
Re: credit score
Why, because they'll report it when you pay it?

Yes, if you leave a $3 balance on Chase to report, then they will re-report when you pay that $3.  Unless you spend more money in the interim and make sure to wait until the charges post.

When I was actually doing the $2 trick, I've found it easier to just use some random card to buy a beer on once a month.  When the statement comes, pay it.  You'll always have a card reporting with $6 or $8 or whatever.  Close enough.

I worried more about the $2 trick when I had 700, 720, 750 credit.  Now at 830 or whatever I don't care.

Also what gets lost here is that the $2 trick is most effective on the FICO models used for mortgages.  If I was mortgage shopping/applying, you'd be darned sure I'd be using the $2 trick even if it wasn't necessary.

June 21, 2018, 07:14:44 PM
Re: credit score
I'm asking how to boost while keeping the balances high also when paying will the credit score go up immediately and then I'll get approved for all credit cards?

Are you in debt or do just take advantage of the float?

If you're in debt you need to min pay all of your cards and then throw everything remaining at the highest APR.  Don't bother trying to play games to raise scores it just costs you money.

If you just use the float, pay everything down except one card at $2 as Rotts and NotUr talked about.  Ask for CLIs on all your cards, then apply for biz cards then apply for more personal cards. Run the float on biz cards so the utilization is shielded from other creditors.

The time to build credit is before you need it.  Once you show financial distress it's much harder and more costly.

June 25, 2018, 02:33:37 AM
Re: Like request
Why in the world is this informative conversation here in JS?

Because Rotts was trolling for likes.  LOL

June 25, 2018, 11:58:38 AM
Re: Like request
Can you really pin it down to exact percentages for every credit profile?

Remember years ago on CB it was gospel that disputing inquires would lead to FA's? I and many other did it like candy and not one issue. IMHO it was because we had strong credit files but CB would hear none of that. I understand for their membership it was a bad idea but to say that for everyone was plain out wrong.

The party line on CB is not always true obviously.  CB often wants to save people from themselves.  I've also had lots of inquiries removed...especially from EX.

Go talk about piggybacking on CB and you'll get scolded and told it doesn't work either.  But they'll turn around and tell you to get a friend or family to add you as an AU to help boost AAoA and/or utilization.  Lots of piggybacking IS just getting added as an AU.

CB is a non-judgmental board.  Until it isnt. LOL

June 25, 2018, 12:53:58 PM
Re: Like request
We need Joseph here.

You've got Davidrotts63 and some other colorful characters.  No need to bring the whole farm. 8)

June 25, 2018, 01:16:05 PM
Re: credit score
My current strategy for applying for cards is do them in a chunk let them age then repeat, at the moment I have 4 cards at 3 months old, and I will be waiting 3 months before applying again.
I am looking to take out a loan to put a mix on my report, should I wait 3 months untill my next AOR, which afterwards I probably won't apply for another 6 months, or do I do it now?
Meaning, will 3 months be old enough (in 3 months when I want to apply for cards), or I should wait for the next round then I should have a 6 month break before I go again?

@PillanSmye :)

If you can find one of the share secured loans that you can pay down to 9% immediately, do it now.  The new loan will drag down your AAoA slightly, but once paid down to 9% it counts as a well seasoned tradeline from a scoring perspective...helping your next app spree.

But you have to find an installment loan that you can pay down immediately and in the process push the payments out.   Just getting a loan will drag your score down, raise your DTI and needlessly waste money on interest.

June 25, 2018, 01:26:04 PM
Re: credit score
I don't know much about this, but what's the situation with Self Lender.
@mileagejunkie recommended it to me yesterday.

Not a clue

June 25, 2018, 01:49:53 PM
Re: Like request
What I said has nothing to do with my feelings. It's logic

What you call logic isn't based on math/statistics/probability.  It's based on your feelings.  You "FEEL" like having one maxed out card is meaningless.  What statistics over the general population do you have to back up your assertion?  Have you de-personalized millions of credit files, crunched the data and come to that conclusion?   No. You just "FEEL" like that's logical.

June 25, 2018, 10:29:53 PM
Re: credit score
Yes, assuming they report the no balance by that date. Sometimes it cam take a week to update

This.  You might also call and ask and lenders you've paid off to do a mid cycle report.  Not all issuers will do it, but doesn't hurt to ask.

June 26, 2018, 07:05:50 PM
Re: credit score
I think I found a good option with FAFCU.
The question is, what is the ideal loan dollar amount, and the ideal loan length?

The lowest amount possible for the longest time possible.

For Alliant, that was $500 for 5 years. Immediately pay it down to $44 which freed up $456 from your savings account. Then you were paying 5% interest on $44 for the next 4 1/2 years until the payments kicked back in.  I still push a dollar when I log into Alliant from savings to the loan just to keep everything active.

July 02, 2018, 02:53:20 PM
Re: credit score
So pay down to 9% then you don't have to pay for the next while?

Here is the FAFCU offer:
Seems good, did I miss anything?

How should I know if when you pay it down it pushes the payments out?  The share secured doesn't even show the term length.  The fine print says you need a $500/mo DD to qualify for those rates.  Go scour MyFako and see who they are using for the installment hack nowadays.  The CB Alliant thread died when the Alliant offering died.

July 02, 2018, 03:12:15 PM
Re: Amazon Prime CC Offering 10% Back at Whole Foods (July 14-17) Posted 3 hours earlier in the Amazon Prime Visa CC thread

July 03, 2018, 07:19:54 PM
Re: Amazon Prime Visa Card
Can someone who has been banned from Chase get this card? Also is there any difference between the other amazon prime cards?

The Synchrony Bank Amazon Prime card is a store card.  The Chase Amazon Prime Card is a Visa.  The 10% back at Whole Foods during Prime Day is specifically linked to the Visa product.

July 03, 2018, 07:24:01 PM
Re: CHASE/Spg card for large amounts
We have a business that has charges of approx. 25,000 each month.  To date we have Amex Starwoods and Chase Sapphire cards open. 

Since it is not so easy to sell Chase points, and we don't really use them ourselves, we will likely accumulate a very large point balance soon, and be limited how to sell them.
what card would it make sense for us to open?  I see the CHASE Ink cards have been recommended.

What cards make sense depends on two factors. 

1.  In what categories (if any) are you spending that $25K/mo in? Such as: Utilities, advertising, shipping, fuel, travel, non-categorized spend for inventory.  And in what dollar amounts?   2.  Do you have any use for a specific rewards currency?

For example, if you spend $10K/yr in office supplies and $30K/yr in shipping, you'd be better off with an AMEX SC+ with no AF than you would be with any Ink cards if you have no use for UR's.  And you'd get a higher return on that spend than you would a Spark Cash especially when accounting for the Spark AF.

July 03, 2018, 07:35:18 PM
Re: CHASE/Spg card for large amounts
2% cashback Capital One Spark for business

How can you say that with the information that was provided?

July 03, 2018, 07:35:48 PM
Re: CHASE/Spg card for large amounts
Because 2% is better than what he has now.

I guess if that is how someone approaches their business finances than have at it.

July 04, 2018, 12:46:57 PM
Tide Purclean Laundry Detergent, 2x50 oz $11.61 with S&S and 20% off coupon

$17.08- 15% S&S - 20% coupon = $11.61 for 2 bottles.

July 05, 2018, 01:37:07 PM
Re: credit score
It doesn't work regardless, they don't let you prepay.

Did you try it already, get that info from MyFako, or get that info from a phone rep?

July 05, 2018, 01:51:00 PM