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Author Topic: Misc Credit Card Questions  (Read 811357 times)

Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #9585 on: October 26, 2020, 12:56:16 AM »
Quote from: yungermanchik on October 26, 2020, 12:54:06 AM
Perhaps for someone who's just starting out.
Not a chance.
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Offline yungermanchik

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Re: Misc Credit Card Questions
« Reply #9586 on: October 26, 2020, 12:58:02 AM »
Quote from: CountValentine on October 26, 2020, 12:56:16 AM
Not a chance.
If you say so, 🤷‍♂️
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Small people talk about other people.
Average people talk about things
BIG PEOPLE TALK ABOUT IDEAS.

Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #9587 on: October 26, 2020, 12:58:52 AM »
Quote from: Yo ssi on October 26, 2020, 12:56:11 AM
Putting a small amount on one card for someone with just one card usually means (if he's using his card regularly) that they need to pay up almost everything before they're statement closes. If they're CL is $1000 and they spent $500 that month, then not paying up early means they are using 50% of their CL which is bad for one's CS
We are talking about the $2 trick. Check out CB and it is all explained in detail. It has also been tested extensively by the legend BW.
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Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #9588 on: October 26, 2020, 12:59:25 AM »
Quote from: yungermanchik on October 26, 2020, 12:58:02 AM
If you say so, 🤷‍♂️
Quote from: CountValentine on October 26, 2020, 12:58:52 AM
Check out CB and it is all explained in detail. It has also been tested extensively by the legend BW.
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Offline Yo ssi

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Re: Misc Credit Card Questions
« Reply #9589 on: October 26, 2020, 01:01:02 AM »
Quote from: CountValentine on October 26, 2020, 12:58:52 AM
We are talking about the $2 trick. Check out CB and it is all explained in detail. It has also been tested extensively by the legend BW.
Link?

The $2 trick is directly connected with credit utilization percentage.

(Someone with a lower CL the trick will have greater benefits)
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Offline Dan

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Re: Misc Credit Card Questions
« Reply #9590 on: October 26, 2020, 10:16:46 AM »
Quote from: Yo ssi on October 26, 2020, 12:32:35 AM
Is it $1 or $2? ;D
Once upon a time banks would forgive statements of $1 or less, so that was a reason to spend $2.
I don't think any banks still do that.
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Online yelped

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Re: Misc Credit Card Questions
« Reply #9591 on: October 26, 2020, 10:27:10 AM »
Quote from: Dan on October 26, 2020, 10:16:46 AM
Once upon a time banks would forgive statements of $1 or less, so that was a reason to spend $2.
I don't think any banks still do that.
Discover?
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Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #9592 on: October 26, 2020, 10:29:45 AM »
Quote from: yelped on October 26, 2020, 10:27:10 AM
Discover?
IIRC Disc was 1.50 or 1.99
There were many.
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Offline Samb

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Re: Misc Credit Card Questions
« Reply #9593 on: October 26, 2020, 01:52:34 PM »
Quote from: yelped on October 26, 2020, 10:27:10 AM
Discover?
discover still does up too $2
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Offline Samb

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Re: Misc Credit Card Questions
« Reply #9594 on: October 26, 2020, 02:04:41 PM »
Quote from: CountValentine on October 26, 2020, 12:23:19 AM
Source?
Check out many of the FICO reason codes https://www.fico.com/en/latest-thinking/product-sheet/us-fico-score-reason-codes

No recent revolving balances

Number of active bank/national revolving accounts

Too few accounts with recent payment information

Too few active accounts

and many more.

The six month time period is based on my own experience (fico does not disclose their exact algorithm)
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Offline yaakovl

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Re: Misc Credit Card Questions
« Reply #9595 on: October 26, 2020, 02:52:28 PM »
Quote from: Samb on October 26, 2020, 01:52:34 PM
discover still does up too $2
1.99 is the max they've credited ime
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Offline Samb

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Re: Misc Credit Card Questions
« Reply #9596 on: October 26, 2020, 03:10:50 PM »
Quote from: yaakovl on October 26, 2020, 02:52:28 PM
1.99 is the max they've credited ime
עד ולא עד בכלל
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Offline meilich

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Re: Misc Credit Card Questions
« Reply #9597 on: October 26, 2020, 04:41:36 PM »
I have a pre-approval for amex business gold 50k after 5k spend without waiving the annual fee, is it worth it?
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Offline justmeha

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Re: Misc Credit Card Questions
« Reply #9598 on: October 26, 2020, 04:43:39 PM »
Quote from: meilich on October 26, 2020, 04:41:36 PM
I have a pre-approval for amex business gold 50k after 5k spend without waiving the annual fee, is it worth it?
it's been up to 80 k IINM
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Offline mimb

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Re: Misc Credit Card Questions
« Reply #9599 on: October 26, 2020, 05:23:37 PM »
I keep seeing DP's of people getting a 60k AMEX Green offer but I'm only seeing 50k through a referral. Any tips?
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