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1
Posted on 4/19/15 at 5:00 pm to I Love Bama
Is that legal?
Posted on 4/19/15 at 5:03 pm to jimbeam
No idea. They aren't going to come after you though. Just don't do stupid shite. You seem like a smart college kid but I know when I was younger I couldn't handle a credit card.
I think your problem would be hitting the spending thresholds. I don't know many college kids that have 1k (or more) a month in expenses they can put on a card.
I think your problem would be hitting the spending thresholds. I don't know many college kids that have 1k (or more) a month in expenses they can put on a card.
Posted on 4/19/15 at 5:12 pm to I Love Bama
Yea I'm only going to put a few hundred max
Posted on 4/19/15 at 5:14 pm to jimbeam
When you get out of school and have regular expenses you'll be in a better position. I would hold off till then. Whatever you do, pay that card off every month. 
Posted on 4/19/15 at 5:47 pm to jimbeam
quote:
Is that legal?
Not even remotely and I don't recommend it. Lying on a credit application is fraud.
Posted on 4/19/15 at 6:13 pm to VABuckeye
quote:
Not even remotely and I don't recommend it. Lying on a credit application is fraud.
This... Please don't do that
Posted on 4/19/15 at 6:58 pm to BACONisMEATcandy
I shouldn't be advocating it, but if you pay it off every month then nobody will ever know. Trouble only comes if you default on the loan.
Posted on 4/19/15 at 8:17 pm to I Love Bama
Some banks do random audits. They do have the right to do financial reviews.
Posted on 4/19/15 at 8:24 pm to VABuckeye
quote:
Some banks do random audits. They do have the right to do financial reviews.
Amex is notorious for this.
Not to mention, it isn't that necessary to lie. You can get pretty much all premium cards at about 50k and a good credit score. No need to put ridiculous 200k if you don't make near that.
At closer to 80k you're never going to have a problem at all judging by people I've recommended cards too, etc.
This post was edited on 4/19/15 at 8:26 pm
Posted on 4/19/15 at 8:25 pm to VABuckeye
quote:
They do have the right to do financial reviews.
This is certainly true for corporations--both c-corp and s-corp. Some banks will request interim business and personal financial statements on a quarterly basis.
Posted on 4/20/15 at 5:52 pm to PrettyLights
What are we doing these days to manufacture spending for sign up bonuses? I'll be applying for the Ink Plus soon, and while I could fairly easily meet the $5,000 in three months, it would require my putting spending on it I would rather put on other cards (e.g. dining). RIP Amazon Payments.
This post was edited on 4/21/15 at 10:58 am
Posted on 4/20/15 at 7:40 pm to Joshjrn
Posted on 4/20/15 at 8:15 pm to htownjeep
Any thoughts on hhonors? We have a southwest card with the companion status, so I don't need any additional airline miles. Also interested in hearing about Marriott cards
Posted on 4/20/15 at 8:46 pm to Joshjrn
quote:
What are we doing these days to manufacture spending for sign up bonuses
Square Register App. Each bank account you sign up with you get a free $1k worth of swipes when using referral link from existing customer. If you have 2-3 bank accounts, you can sign them all up and sign your family/friends up if they need help hitting minimum spends.
It's real simple. Order free Square app through link, connect bank account, and swipe card on phone when square reader comes in. Money is in bank account in 2 days. No catch. I signed up all 5 of my bank accounts
. I can email you a referral link if needed or you can google and find one fairly easy.
quote:The good ole days.
RIP Amazon Payments.
This post was edited on 4/20/15 at 8:54 pm
Posted on 4/20/15 at 8:52 pm to AndyJ
quote:Good for people that stay in either of those hotel brands, but not good cards to put everyday spend on. If you're interested in earning hotel points through CCs, Chase Ultimate rewards cards(Ink/CSP) or the Amex SPG cards are probably your best bets.
Any thoughts on hhonors? We have a southwest card with the companion status, so I don't need any additional airline miles. Also interested in hearing about Marriott cards
Posted on 4/21/15 at 12:30 am to Joshjrn
quote:
What are we doing these days to manufacture spending for sign up bonuses?
I just came across a good idea considering my monthly spend isn't that much. Buying/selling tickets. I bought almost $800 in Pelican Playoffs tickets and plan on reselling all but a few of them. Looks to be a great option barring you sell your tickets
quote:
Square Register App. Each bank account you sign up with you get a free $1k worth of swipes when using referral link from existing customer. If you have 2-3 bank accounts, you can sign them all up and sign your family/friends up if they need help hitting minimum spends.
It's real simple. Order free Square app through link, connect bank account, and swipe card on phone when square reader comes in. Money is in bank account in 2 days. No catch. I signed up all 5 of my bank accounts
Posted on 4/21/15 at 8:00 am to wizziko
quote:You could probably register your AMEX serve account as well.
Square Register App
Posted on 4/21/15 at 8:29 am to BACONisMEATcandy
quote:
Citi AAdvantage Executive Card Adds $100 Global Entry Credit
If I were getting a $450/year credit card I would think long and hard between this one and an Amex Platinum. I fly AA more than any other airline, but still not nearly enough to justify.
As it stands I'm usually on flights where I get offered a 1st class upgrade for around $40, which also comes with free checked bags, negating another advantage to that card. Kinda like buying football tickets from a scalper rather than season tickets.
This post was edited on 4/21/15 at 8:32 am
Posted on 4/21/15 at 8:59 am to GaryMyMan
I have the Delta version of that card and they do not offer the global entry credit.
However I did get my KTN yesterday
ETA: As far a MS goes... Nothing will ever beat the days of buying coins from the US Mint 
However I did get my KTN yesterday
ETA: As far a MS goes... Nothing will ever beat the days of buying coins from the US Mint
This post was edited on 4/21/15 at 9:01 am
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