Author Topic: Misc Credit Card Questions  (Read 502818 times)

Offline Ekay

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Re: Misc Credit Card Questions
« Reply #8760 on: July 10, 2019, 04:23:34 PM »
Amex blue buss officially  gives you 2 points per $ up to $50K. I see Iím above that and they still gave me 2 points. What does that mean? Will they continue giving me that?

Online ckmk47

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Re: Misc Credit Card Questions
« Reply #8761 on: July 11, 2019, 03:26:48 AM »
Amex blue buss officially  gives you 2 points per $ up to $50K. I see Iím above that and they still gave me 2 points. What does that mean? Will they continue giving me that?
Is that a calendar year or a member year?  Perhaps that's the discrepancy.

Online db23

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Re: Misc Credit Card Questions
« Reply #8762 on: July 11, 2019, 10:03:55 AM »
how long does it take for amex delta bonus to come in?? yes i finished my spend and closed statement
if no issues amex delta bonus usually hits with in a few days of completing the spend. at least that's been my experience with multiple delta card sign ups.

Online db23

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Re: Misc Credit Card Questions
« Reply #8763 on: July 11, 2019, 10:05:05 AM »
Is that a calendar year or a member year?  Perhaps that's the discrepancy.

i believe its a calendar year. i have the card and it reset in January. i got x2 on $50k and now i am back to single points. great card!

Offline jacobs

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Re: Misc Credit Card Questions
« Reply #8764 on: July 11, 2019, 11:12:26 AM »
If I have a negative balance with a capital one credit card, can I call them and ask them to send a check for that amount?

Offline Joel2

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Re: Misc Credit Card Questions
« Reply #8765 on: July 11, 2019, 01:30:18 PM »
If I have a negative balance with a capital one credit card, can I call them and ask them to send a check for that amount?
Yes!

Offline jacobs

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Re: Misc Credit Card Questions
« Reply #8766 on: July 11, 2019, 01:47:02 PM »

Offline Thingywingy

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Re: Misc Credit Card Questions
« Reply #8767 on: July 11, 2019, 04:44:44 PM »
Dan has mentioned many times that credit utilization is a significant factor in determining your credit score and that it is, therefore, a good idea to put at least some balance on cards regularly even if the rewards are not that valuable. Is there a minimum necessary for it to register? Does $1 suffice? Thanks.
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline jacobs

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Re: Misc Credit Card Questions
« Reply #8768 on: July 11, 2019, 04:46:56 PM »
Dan has mentioned many times that credit utilization is a significant factor in determining your credit score and that it is, therefore, a good idea to put at least some balance on cards regularly even if the rewards are not that valuable. Is there a minimum necessary for it to register? Does $1 suffice? Thanks.

As far as I am aware, even $0.01 works.

Offline Thingywingy

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Re: Misc Credit Card Questions
« Reply #8769 on: July 11, 2019, 07:34:45 PM »
I recall reading somewhere a while back that there is some minimum.
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline oldguy

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Re: Misc Credit Card Questions
« Reply #8770 on: July 11, 2019, 07:40:39 PM »
I recall reading somewhere a while back that there is some minimum.
You probably mean this thread
https://forums.dansdeals.com/index.php?topic=49416.0

Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #8771 on: July 11, 2019, 08:45:20 PM »
Dan has mentioned many times that credit utilization is a significant factor in determining your credit score and that it is, therefore, a good idea to put at least some balance on cards regularly even if the rewards are not that valuable. Is there a minimum necessary for it to register? Does $1 suffice? Thanks.
its not card by card, the idea is to have the lowest utilization possible, while still having some utilization. So you close one card with a small balance while the remainder have no balance. If you have a balance regardless this is not for you.
As far as I am aware, even $0.01 works.
I recall reading somewhere a while back that there is some minimum.
Any amount that reports works. AFAIK no bank reports under $2.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Online CountValentine

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Re: Misc Credit Card Questions
« Reply #8772 on: July 11, 2019, 09:00:16 PM »
$2 trick.
REPOST!!!!!

Offline justmeha

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Re: Misc Credit Card Questions
« Reply #8773 on: July 12, 2019, 12:03:43 AM »
is it a problem (will it be harder to get approved) if my first app with chase is a biz card

Offline TimT

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Re: Misc Credit Card Questions
« Reply #8774 on: July 12, 2019, 12:32:27 AM »
is it a problem (will it be harder to get approved) if my first app with chase is a biz card
Whats your credit history look like ?