Author Topic: Misc Credit Card Questions  (Read 687692 times)

Offline as2

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Re: Misc Credit Card Questions
« Reply #6150 on: June 06, 2017, 12:49:46 PM »
How long does it stay on the report? Forever?
Pretty much nothing stays on your report forever. Most things will fall off after 2-7 years depending on what it is.
Memories last forever, make them while you can.

Offline jsk173

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Re: Misc Credit Card Questions
« Reply #6151 on: June 06, 2017, 06:15:13 PM »
How long does it stay on the report? Forever?

Lates generally stay on the report for 7 years, but have less impact on one's FICO the older they are.

Offline chinagel

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Re: Misc Credit Card Questions
« Reply #6152 on: June 06, 2017, 07:00:04 PM »
Lates generally stay on the report for 7 years, but have less impact on one's FICO the older they are.
where'd you get that from

Offline eli1571

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Re: Misc Credit Card Questions
« Reply #6153 on: June 06, 2017, 07:28:57 PM »
Does Citi prorate an annual fee if I close the account in middle of the year ?

Offline Savingsbeast

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Re: Misc Credit Card Questions
« Reply #6154 on: June 06, 2017, 08:06:24 PM »
where'd you get that from
Equifax
Quote
In general, though, the longer a bill goes unpaid, the more damaging the effect it has on your credit score. For example, all other things being equal, a payment that is 90 days late can have a more significant negative impact on your credit score than a payment that is 30 days late. In addition, the more recent the late payment, the more negative of an impact it could have.

Credit.com
Quote
“And while any negative score impact from a late payment lessens over time, this information will remain on your credit report for seven years and can be expected to continue to impact your score, at least to some degree, for much of that time,” he adds.
« Last Edit: June 06, 2017, 08:11:37 PM by Savingsbeast »

Offline chinagel

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Re: Misc Credit Card Questions
« Reply #6155 on: June 06, 2017, 08:32:53 PM »
Equifax
Credit.com
equifax is talking about how long the payment is overdue for not how long the payment was missed. as far as credit.com, i couldnt see the article and have no knowledge of their reliability

Offline Savingsbeast

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Re: Misc Credit Card Questions
« Reply #6156 on: June 06, 2017, 08:40:34 PM »
equifax is talking about how long the payment is overdue for not how long the payment was missed. as far as credit.com, i couldnt see the article and have no knowledge of their reliability
Equifax
Quote
In addition, the more recent the late payment, the more negative of an impact it could have.

Offline Wizard

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Re: Misc Credit Card Questions
« Reply #6157 on: June 06, 2017, 08:44:16 PM »
Ink Preferred is the highest sign up bonus on any chase card right now and UA is very valuable. If he can only get 50k for the UA card the the CSP probably makes more sense. Check here to see if he's targeted for 70k https://www.theexplorercard.com/70k50IC
Thanks. Anyone has other suggestions?
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Offline chinagel

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Offline Wizard

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Re: Misc Credit Card Questions
« Reply #6159 on: June 07, 2017, 12:23:43 AM »
Ink Preferred is the highest sign up bonus on any chase card right now and UA is very valuable. If he can only get 50k for the UA card the the CSP probably makes more sense. Check here to see if he's targeted for 70k https://www.theexplorercard.com/70k50IC
What are the amounts people are currently getting for the UA card and CSP?
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Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #6160 on: June 07, 2017, 12:32:59 AM »
What are the amounts people are currently getting for the UA card and CSP?
50k for UA unless you're targeted for 70k, 50k for CSP IINM, might be able to match to 60k in branch offer.
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Offline Wizard

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Re: Misc Credit Card Questions
« Reply #6161 on: June 07, 2017, 12:38:00 AM »
50k for UA unless you're targeted for 70k, 50k for CSP IINM, might be able to match to 60k in branch offer.
Thanks! Can my friend create several United accounts until he gets the 70k offer? Or is there another way to get the 70k?
Lastly, what do you mean match 60k in branch?
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Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #6162 on: June 07, 2017, 12:41:03 AM »
Thanks! Can my friend create several United accounts until he gets the 70k offer? Or is there another way to get the 70k?
Lastly, what do you mean match 60k in branch?
I'm not sure how they target people so IDK if that'll work, my guess is not but who knows.
After you get approved, send an SM and asked to get matched to the 60k offer that they have in branch, I actually don't know if it's around now but it's worth a shot.
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Offline Wizard

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Re: Misc Credit Card Questions
« Reply #6163 on: June 07, 2017, 12:55:05 AM »
I'm not sure how they target people so IDK if that'll work, my guess is not but who knows.
After you get approved, send an SM and asked to get matched to the 60k offer that they have in branch, I actually don't know if it's around now but it's worth a shot.
Got you. Thank you very much.
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Offline Yitzshpitz

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Re: Misc Credit Card Questions
« Reply #6164 on: June 07, 2017, 08:53:58 AM »
Does chase let you transfer credit line to a business card?