Author Topic: Misc Credit Card Questions (Read 1915634 times)

Schneur22 · « **Reply #2980 on:** February 28, 2016, 02:27:27 AM »

So if I'm just starting, should I get a lot of cards? That way in 5 hears my average will be great.

Chapshnell · « **Reply #2981 on:** February 28, 2016, 02:28:30 AM »

Quote from: Schneur22 on February 28, 2016, 02:27:27 AM

So if I'm just starting, should I get a lot of cards? That way in 5 hears my average will be great.

try to limit your pulls by applying smart. read up on which banks are 1 pull vs 2 pulls etc

TimT · « **Reply #2982 on:** February 28, 2016, 02:29:14 AM »

Start here
http://www.dansdeals.com/archives/53213

Schneur22 · « **Reply #2983 on:** February 28, 2016, 02:36:30 AM »

Thank you Tim. What I'm asking here is what I still didn't get from the article after reading it.

Chapshnell · « **Reply #2984 on:** February 28, 2016, 02:38:04 AM »

Quote from: Schneur22 on February 28, 2016, 02:36:30 AM

Thank you Tim. What I'm asking here is what I still didn't get from the article after reading it.

the easy & short answer is... yes apply for numerous cards.. you will get more bonuses this way.. if you can reach the spend at least..
I would at least.. but every person applying has so many strings attached if they are responsible, can spend etc etc which basically makes a difference whether you should or not

TimT · « **Reply #2985 on:** February 28, 2016, 02:39:10 AM »

Quote from: Schneur22 on February 28, 2016, 02:36:30 AM

Thank you Tim. What I'm asking here is what I still didn't get from the article after reading it.

If you get a lot of cards at once, that's gonna be a lot of spend to meet in 3 months. If these are your first cards some banks might not approve you as your credit is too new.

Schneur22 · « **Reply #2986 on:** February 28, 2016, 02:42:41 AM »

Quote from: Chapshnell on February 28, 2016, 02:38:04 AM

the easy & short answer is... yes apply for numerous cards.. you will get more bonuses this way.. if you can reach the spend at least..
I would at least.. but every person applying has so many strings attached if they are responsible, can spend etc etc which basically makes a difference whether you should or not

I see myself as responsible and calculated. I kept seeing how "too many cards is bad for you". But the only problem mentioned was debt, which for me isn't a problem. (I just won't use them after a few months...) Does this make sense?

TimT · « **Reply #2987 on:** February 28, 2016, 02:45:12 AM »

Quote from: Schneur22 on February 28, 2016, 02:42:41 AM

I see myself as responsible and calculated. I kept seeing how "too many cards is bad for you". But the only problem mentioned was debt, which for me isn't a problem. (I just won't use them after a few months...) Does this make sense?

The main issue is debt, so if that's no issue then go for it. If CSP is in the mix, apply for that earlier on.

Schneur22 · « **Reply #2988 on:** February 28, 2016, 02:52:00 AM »

I just did a couple of days ago

How long should I wait to apply for another one?

Chapshnell · « **Reply #2989 on:** February 28, 2016, 02:53:58 AM »

Quote from: Schneur22 on February 28, 2016, 02:52:00 AM

I just did a couple of days ago How long should I wait to apply for another one?

You cant have 2 of the CSP at a time, Inks you can have & get the bonus as many as you get approved for.
I would get all the Chase cards first as they are becoming very hard to get approvals with.

Schneur22 · « **Reply #2990 on:** February 28, 2016, 02:55:09 AM »

Right I mean to apply for another card in general. How long?

TimT · « **Reply #2991 on:** February 28, 2016, 02:55:15 AM »

Quote from: Schneur22 on February 28, 2016, 02:52:00 AM

I just did a couple of days ago How long should I wait to apply for another one?

You got approved for the CSP ? What else did you get ?

TimT · « **Reply #2992 on:** February 28, 2016, 02:56:22 AM »

Quote from: Schneur22 on February 28, 2016, 02:55:09 AM

Right I mean to apply for another card in general. How long?

You could apply whenever. Its either numerous pulls on 1 day vs numerous pulls on different days.

Schneur22 · « **Reply #2993 on:** February 28, 2016, 02:56:50 AM »

"Decision pending" for the CSP. I got approved for a Bank Of America Card, nothing special.

Wizard · « **Reply #2994 on:** February 28, 2016, 02:57:15 AM »

Is there any way of enrolling in AMEX BAGGAGE INSURANCE PREMIUM, TRAVEL DELAY PREMIUM, TRAVEL DELAY PREMIUM, etc. online? By phone? Or do they not offer enrollment anymore (as it seems here https://www295.americanexpress.com/premium/trip-insurance/home.do?inav=PROT_TRAVEL-Auto_Trip_Ins )?

Schneur22 · « **Reply #2995 on:** February 28, 2016, 02:57:47 AM »

It's likely to get accepted a few days after having a pull on my account?

TimT · « **Reply #2996 on:** February 28, 2016, 02:58:38 AM »

Quote from: Schneur22 on February 28, 2016, 02:57:47 AM

It's likely to get accepted a few days after having a pull on my account?

If you have a high enough credit score why not ?

Schneur22 · « **Reply #2997 on:** February 28, 2016, 02:59:51 AM »

I don't think I have a high one. Probably around 720. I didn't check because I didn't want another pull on my account.
(I only got my first cc about 6 months ago)

TimT · « **Reply #2998 on:** February 28, 2016, 03:00:53 AM »

Quote from: Schneur22 on February 28, 2016, 02:59:51 AM

I don't think I have a high one. Probably around 720. I didn't check because I didn't want another pull on my account.

Checking your score isn't a hard pull.

Schneur22 · « **Reply #2999 on:** February 28, 2016, 03:01:41 AM »

How do I do it? I pay FICO?

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Author Topic: Misc Credit Card Questions (Read 1915634 times)