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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. ;)
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« Last edited by DoreshEmes on April 11, 2019, 03:54:27 AM »

Author Topic: Questions and Help for BEGINNERS!  (Read 1738471 times)

Offline birne

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Re: Questions and Help for BEGINNERS!
« Reply #1040 on: May 26, 2013, 03:25:03 PM »
How can a congregation have a credit history??
mortgage, utility bills, being around for a many years...
WHY NOT?!?!

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Re: Questions and Help for BEGINNERS!
« Reply #1041 on: May 26, 2013, 03:27:03 PM »
mortgage, utility bills, being around for a many years...
And applying for a credit card with a social and making payments ...
Therefore creating a credit history Just like a business with a tax I'd #

Offline ckmk47

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Re: Questions and Help for BEGINNERS!
« Reply #1042 on: May 28, 2013, 09:54:28 AM »
How do I find out when exactly a CC was opened?

I click to see my statements.  Statements only go back as far as you have the account open. :)

Of course, this doesn't give you the exact date.
My favorite cause: cssy.org

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Re: Questions and Help for BEGINNERS!
« Reply #1043 on: May 28, 2013, 10:23:11 AM »
I click to see my statements.  Statements only go back as far as you have the account open. :)

Of course, this doesn't give you the exact date.
u can call the number on the back of your card and they will provide u  the exact date

Offline CHAIM999

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Re: Questions and Help for BEGINNERS!
« Reply #1044 on: May 28, 2013, 02:51:35 PM »
Hi, i just start to be a Dens fan,

I am just confusing w/ so much information into one roof its amazing,

I did similar in the past (10 years ago), not with points, but with Bank / Credit card in general,
I had a checking account w/ 6% interest, no minimum no fee, checks cleared over night, prepaid envelopes for deposit, i was able to transfer money in one day from one bank to another w/ no charge  (today its available every where) today's days it is not applicable any more,
Staples /office max /quill always paid me for shopping, by rebates, and Coupons, and so on,
citi had then a bill pay when funded from a city cc, it was as a purchases not cash, so u earned points, w/ no interest


I want to add my experience and charts i had then which i never update it fully, to the appropriate location, but it is to much to read, and i don't know what is still applicable, so i decided to write it into the BEGINNERS Forum, what i had then and others will help with updating whats still applicable, and where it is the proper place to post it, or where there is already a post or chart for that.

1) I had a chart each credit card minimum req. income for approval, so i don't get a pull for nothing, (even when you have good report, and history)

2) for beginners, i used to advise to open Student cards and not reporting income, as it was not necessary, and got $200-500 credit line, after a 3 months to call in to upgrade w/o doing a hard pull (it was an option by most companies to increase just w/ a soft pull), by then they asked for income, and it was upgrade based on income, not as student,

3) i had a list of Student Cards, dos days, was Citi, Discover, Sallie may, Usaa, (see  latter for all other benefits from Usaa), and so on.

4) it was an option with most companies to increase once in a wile credit line w/o an hard pull, some where 3 months, and some 6 months, and i had a chart and used to call avrey 3 - 6 months, looks like it is not an option any more, could some one advice.

5) i had a chart for the following, application are denied for to many inquires on the report, but not all r the same, some where 3 in 3 months, some where 4 in 6 months.

6) benefits of USAA, (as it was then, i didn't verify current) it is a bank w/ a lot of services mainly for Military Personal, but most services is available for the public, its only i Tx, so they provide services by mail,
its a big benefit for dos they don't have a car and / or internet, (and don't want to go in banks)i used to give it for Kolel Yingerleit,
You could open an account by mail, they provide you with prepaid deposit envelopes, also w/ ups drop envelopes, it takes only 2 days in regular mail from NY,
you could add other bank accounts into the system for transfer by application via mail, when you want to do lets say a  transfer from chase into citi, you transfer from chase to usaa, and before you put down the phone, just go back to main menu it is already @ usaa, now u continue to send it to citi, so in 2 days it showed up int cit from chase.
an other big benefit that u could over draft your checking account w/ a usaa cc for no charge and there is no per draft fee (other banks even when there is no transaction charge there is still some over draft charge), and it is only %10 apr
so i have all my minimums charged to my Usaa Checking account which has minimum money, and it over drafts from the cc, and allways when i get my pay check i pay off some of the credit card, so i only pay on place, and i don't have to keep track of each payment, and i don't have any high checking account balance which will conflict w/ Gov. services.
all usaa members (its automatic if u have any any account) are exempt of min. 25 yr. for Hertz/Avis/Budget.
i had better car rental deals w/ Usaa cpd# then Amex

6) a list of other benefits from cards, as a photo id on a cc, citi as a card for that, and Usaa u could have your photo and signature like a Non Drivers ID,

7) a list of which cc covers cwd for 15 days / 30 days

8- a chart for Roadside  Assistance differences, Visa, MC, American express doesn't have the same for all cards either.

will continue at an other time w/ the office supplice stores tricks


Offline avadah

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Re: Questions and Help for BEGINNERS!
« Reply #1045 on: May 31, 2013, 02:30:35 AM »
Is a SM just a glorified e-mail?

Offline CountValentine

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Re: Questions and Help for BEGINNERS!
« Reply #1046 on: May 31, 2013, 06:52:03 AM »
Is a SM just a glorified e-mail?
Secure.
Only on DDF does 24/6 mean 24/5/half/half

Offline avadah

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Re: Questions and Help for BEGINNERS!
« Reply #1047 on: May 31, 2013, 07:50:23 AM »
But it's really just a way to send a message to the company. What do I write to get matched for more miles?

Offline glasses dude

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Re: Questions and Help for BEGINNERS!
« Reply #1048 on: May 31, 2013, 08:50:47 AM »
But it's really just a way to send a message to the company. What do I write to get matched for more miles?
write that your colleague/cousin got the better offer,could they match the terms of that offer for you

Offline meshugener

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Re: Questions and Help for BEGINNERS!
« Reply #1049 on: June 02, 2013, 06:37:52 PM »
Do UAMPE cardholders have access to IN or JN class?
Love me or hate me. I still love you.

Offline MEIR613

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Re: Questions and Help for BEGINNERS!
« Reply #1050 on: June 02, 2013, 06:47:55 PM »
Do UAMPE cardholders have access to IN or JN class?
No, only XN.

Offline meshugener

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Re: Questions and Help for BEGINNERS!
« Reply #1051 on: June 02, 2013, 07:20:03 PM »
Thanks.

Now tell me if that's gonna work:
I use an empty 1k account to hold it, then call with the confirmation # to book out of a junk account.

Am I good?
Love me or hate me. I still love you.

Offline Dan

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Re: Questions and Help for BEGINNERS!
« Reply #1052 on: June 02, 2013, 07:40:54 PM »
YMMV
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline MEIR613

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Re: Questions and Help for BEGINNERS!
« Reply #1053 on: June 02, 2013, 07:54:13 PM »
Thanks.

Now tell me if that's gonna work:
I use an empty 1k account to hold it, then call with the confirmation # to book out of a junk account.

Am I good?
I've seen better ;)

Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #1054 on: June 05, 2013, 01:48:25 PM »
Is using a Bluebird card a good idea for booking a Hyatt night for someone else with if there's no money in the account?
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Offline benellis7

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Re: Questions and Help for BEGINNERS!
« Reply #1055 on: June 06, 2013, 02:03:30 AM »
What happened to the "start a new thread" button? I don't see it anywhere.

Offline real-brisker

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Re: Questions and Help for BEGINNERS!
« Reply #1056 on: June 06, 2013, 02:37:44 AM »
What happened to the "start a new thread" button? I don't see it anywhere.
Great question.
20 Posts to go.
BTW what is the topic you wanna start, maybe we can direct?

Offline CountValentine

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Re: Questions and Help for BEGINNERS!
« Reply #1057 on: June 06, 2013, 07:19:27 AM »
BTW what is the topic you wanna start, maybe we can direct?
...or just PM me and I will start if for you.  :)
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Offline CountValentine

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Re: Questions and Help for BEGINNERS!
« Reply #1058 on: June 06, 2013, 07:20:36 AM »
Can you search for members posts within a thread?
Only on DDF does 24/6 mean 24/5/half/half

Offline Achas Veachas

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Re: Questions and Help for BEGINNERS!
« Reply #1059 on: June 06, 2013, 07:28:46 AM »
Can you search for members posts within a thread?
The only way I found is ctrl+f the members name on each page (not perfect but the best I found)