Topic Wiki

Please read the wiki on top of each thread before posting your questions. Thank you.

Choosing a card
Credit Card Comparison Chart
DansDeals Credit Card Application Links And FAQ's

Applying for a card
2/3/4BM Master Thread
App-o-rama Thread
Authorized Users (AU)
Credit Card For Beginners
Credit Freezing
Where Did Your Inquiries Pull From?

Getting approved for a card
AMEX Reconsideration
Barclays Reconsideration
Chase Reconsideration
Citi Reconsideration

Meeting spend thresholds
Amazon Payments
Amex Free Gift Card Code
Bluebird and Vanilla Discussion
Chase Visa Gift Card
Evolve Money
Amex Serve
TD GO

Credit card benefits
Best Card To Use
AMEX Platinum $200 Airline Fee Credit
World MasterCards That Do/Don't Cover CDW In Israel

Less fun credit card threads
AMEX F/R Master Thread
Chase A/A Master Thread
Citi A/A
New AMEX Bonus Terms
American Express Churning Is Over

Amex Card Threads
Platinum
MB Platinum
Premier Rewards Gold
Starwood
Blue Cash (old version)

Chase Consumer Card Threads
BA
Freedom
Sapphire Visa
Sapphire World Mastercard
Southwest
United Club
United Explorer
Hyatt
Marriott
Ritz Carlton
Priority Club/IHG

Chase Business Card Threads
Ink Bold
Ink Plus
United Explorer Business

Citi Card Threads
Citi AA Master Thread
Hilton
Hilton Reserve (DD.com Post)
TY Preferred

Barclays Card Threads
Arrival
Arrival (DD.com Post)
USAirways
NFL
Lufthansa Miles & More

Bank of America Card Threads
Alaska Airlines
Virgin Atlantic

DD.com Credit Card Posts:
4BM Success
A List Of Gift Cards Sold By Office Supply Stores
A Rundown Of The Chase Ultimate Rewards Program And Ultimate Rewards Cards
Amazon Payments
Another Flavor Of Vanilla: My Vanilla Debit Card
Breaking Down Which Credit Card To Use.
Credit Card Benefits, Categorized By Benefit.
Credit Card Reconsideration: Donít Give Up!
Does Opening and Closing CC's Hurt Your Score?
Donít Know When To Use Which Ultimate Rewards Card? Hereís A Chart!
FICO Vs. FAKO
Is Bluebird The Next Dollar Coin Churn?
Killer Apps: Knowing The Top Benefits Of Each Card
My Current Credit Card Lineup
Opening And Closing Cards.
Reconsideration For Those Without The Gift Of Gab
Spending Strategies: Where You Can Earn More Than 1 Mile Per Dollar Spent, Sorted By Category.
The Joys Of HUCA.
Want To Boost Your Credit Score? Spend On Business Cards Instead Of Consumer Cards.
What Do You SM For?




                           Thanks mmermss

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

Author Topic: START HERE: Links To Credit Card Threads  (Read 97994 times)

Offline etech0

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 9278
  • Total likes: 286
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
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...
Workflowy. You won't know what you're missing until you try it.

Offline DBK

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jan 2014
  • Posts: 892
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
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

  • DansDeals Copper Elite
  • *
  • Join Date: Dec 2011
  • Posts: 4
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
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

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 2380
  • Total likes: 37
  • DansDeals.com Hat Tips 2
    • View Profile
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

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jan 2014
  • Posts: 892
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
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

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2009
  • Posts: 4240
  • Total likes: 5
  • DansDeals.com Hat Tips 8
    • View Profile
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

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2014
  • Posts: 1336
  • Total likes: 49
  • DansDeals.com Hat Tips 0
  • Gender: Female
    • View Profile
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?
My greatest achievement? I am fluent in FRIENDS quotes

Offline AnonymousUser

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2013
  • Posts: 3006
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
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

  • DansDeals Copper Elite
  • *
  • Join Date: May 2014
  • Posts: 1
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
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

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 2380
  • Total likes: 37
  • DansDeals.com Hat Tips 2
    • View Profile
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

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Jan 2014
  • Posts: 639
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Israel
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

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2013
  • Posts: 2153
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
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

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Jan 2014
  • Posts: 639
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Israel
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

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Sep 2012
  • Posts: 1951
  • Total likes: 7
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Jerusalem
« Last Edit: June 09, 2014, 06:25:12 PM by avadah »

Online Thingywingy

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Sep 2011
  • Posts: 4261
  • Total likes: 17
  • DansDeals.com Hat Tips 23
    • View Profile
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.