Questions and Help for BEGINNERS!

[DBK]

Lets get it clear,
Every bill has a 30 day cycle, lets say from Feb 9 to Mar 9, all the charges made in that 30 day will be on one bill, so your bill closes on Mar the 9th and then you have about 3 weeks until your due date,
So you would pay off most of your bill beginning of Mar(ie Mar 5) so when the bill closes on the 9th your left with little charges on your account which you have time to pay off untill your due date.

Ok perfect exactly what I was trying to understand.

[Hidden]

When i apply for a cc and they need to verify income, is a call to my employer enough or i need to show tax returns ect?

[raphy781]

When i apply for a cc and they need to verify income, is a call to my employer enough or i need to show tax returns ect?

If they make you prove income they ask for tax returns. I (along with many others) got away with bank statements.

[Hidden]

If they make you prove income they ask for tax returns. I (along with many others) got away with bank statements.

Thanks!!

[etech0]

Don't know where to post it... haven't found a dedicated MVD thread.

Around how long does it take for the permanent cards to come in the mail? Also, I registered my cards online, but it didn't say anything about sending me a permanent one. Is that normal?

Thanks...

[notanonymous]

Don't know where to post it... haven't found a dedicated MVD thread.

Around how long does it take for the permanent cards to come in the mail? Also, I registered my cards online, but it didn't say anything about sending me a permanent one. Is that normal?

Thanks...

IIRC mine came in a couple of weeks.

[DK23]

Does a Zales credit card take a credit pull?

[notanonymous]

Does a Zales credit card take a credit pull?

I've never had Zales, but why wouldn't it?

[Marco Polo]

Does a Zales credit card take a credit pull?

Any particular reason you want to get that card?

[ckmk47]

Does a Zales credit card take a credit pull?

Anyone extending credit should do a credit check (pull). 

[DK23]

Any particular reason you want to get that card?

They had an offer taking 15% off the cost of a ring, which was a good savings on the price.

[ckmk47]

They had an offer taking 15% off the cost of a ring, which was a good savings on the price.

Then apply for some cc's on that day. Turn it into an opportunity for an app-o-ramma.

[rj95]

How do i go about getting a credit card with a cosigner?

[ckmk47]

How do i go about getting a credit card with a cosigner?

Chase stopped allowing co-ownership.
IDK anything else.

[DBK]

How do i go about getting a credit card with a cosigner?

Based on my understanding your better off going with a student card or being put on as an authorized user if you can be and applying for something like the Freedom after a few months.

[dbel23]

Based on my understanding your better off going with a student card or being put on as an authorized user if you can be and applying for something like the Freedom after a few months.

+1

[rj95]

I have seen mentioned that you should always keep your first cc, as otherwise it will fall off your cr. Does this mean you should keep using it too?

[Lou Bob]

I have seen mentioned that you should always keep your first cc, as otherwise it will fall off your cr. Does this mean you should keep using it too?

Put $1 on it every couple months just so that the bank keeps it active

[dbel23]

If i am working towards a spend to get bonus points, does the money i spend get me points as well? For example if i got the ink plus to get 50k UR after $5k spend, once i spend the $5k,  will i have a total balance of 55k UR or just 50k?
Moreover, if i did the entire 5k spend at an office supply store, would i have a balance of 75k? (5*5k + 50k)

[DBK]

If i am working towards a spend to get bonus points, does the money i spend get me points as well? For example if i got the ink plus to get 50k UR after $5k spend, once i spend the $5k,  will i have a total balance of 55k UR or just 50k?

Yes you will get the points you spend as well.