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re: Credit Card Rewards and Points Discussion
Posted on 3/16/17 at 12:24 am to Carson123987
Posted on 3/16/17 at 12:24 am to Carson123987
You can probably get a Discover, Quicksilver, or a Credit Union CC. At a minimum, these will help build your credit history.
You can always try going in to a Chase branch and talking to someone. They may be able to get you approved.
You can always try going in to a Chase branch and talking to someone. They may be able to get you approved.
0
Posted on 3/16/17 at 2:04 am to Carson123987
quote:
ok how the frick does one get a first credit card
Just got my first. Got a Discover with a $1000 monthly limit. No credit history before. What I said is that I am a student and live with my parents (they didn't care about me living with my parents as much as the fact that I am a student, never asked family household income or anything) and that I work part time (make $2000 annually). Approved the same night. I would go for Discover honestly. It was a painless process.
This post was edited on 3/16/17 at 2:15 am
Posted on 3/16/17 at 7:54 am to bayoubengals88
quote:
Have fun churning this little bastard for two free flights and virtually no spending. That's beer money
I'll go ahead and get my two free flights, thanks Barclays
Posted on 3/16/17 at 8:18 am to bayoubengals88
quote:
Damn. I got a Discover at 18 and a Freedom shortly after.
Same here
I have 8 cards now (use 2 other than for special occasions) and am 23.
Good luck Carson.
---
For CSR rewards, can I pay the balance off each week and still accumulate the points when the statement comes out? I've never used a card strictly to get rewards before and don't want to mess up the 4k spend sign up bonus by paying everything off before the statement comes out.
I just got my card in Monday and my first payment isn't due until May 1st, but I can't stand seeing debt. So I want to pay it off each week.
This post was edited on 3/16/17 at 8:21 am
Posted on 3/16/17 at 8:44 am to Carson123987
quote:
wtf dude. i dont understand
Who do you bank with up? Open up a CC with them and use it for a couple months and then move on to Chase, Amex, etc
Posted on 3/16/17 at 12:58 pm to bayoubengals88
quote:
Have fun churning this little bastard for two free flights and virtually no spending. That's beer money
there's also the American Airlines Mastercard from Barclays. You get $40,000 miles for making a purchase and paying the $95 annual fee
Posted on 3/16/17 at 1:20 pm to Lazy But Talented
quote:
For CSR rewards, can I pay the balance off each week and still accumulate the points when the statement comes out? I've never used a card strictly to get rewards before and don't want to mess up the 4k spend sign up bonus by paying everything off before the statement comes out.
You can pay it off every week but it's silly to do so. You aren't going to get the points until the statement is issued. It's also free money as long as you pay the statement balance off on or prior to the due date.
Nothing you do will mess up the spend unless you don't meet the minimum spend requirements in the allotted time or you make late payments.
Posted on 3/16/17 at 1:48 pm to wizziko
quote:Which might be a better card in some ways (mainly the airline company) but the spending requirement is probably $2k instead of $500.
there's also the American Airlines Mastercard from Barclays. You get $40,000 miles for making a purchase and paying the $95 annual fee
Five hundred dollars is so incredible easy to spend that I had to share!
Posted on 3/16/17 at 2:47 pm to VABuckeye
Okay that's what I needed to know.
For my mental sake I can't stand seeing debt on an account so I'll just pay it off every week if it doesn't affect anything.
For my mental sake I can't stand seeing debt on an account so I'll just pay it off every week if it doesn't affect anything.
This post was edited on 3/16/17 at 2:48 pm
Posted on 3/16/17 at 3:02 pm to kc8876
2 roundtrip flights for $69 on that barclays. Nice.
Will cancelling the card after my first year to avoid the next 69 dollar annual fee impact my credit in a negative way?
Will cancelling the card after my first year to avoid the next 69 dollar annual fee impact my credit in a negative way?
Posted on 3/16/17 at 4:49 pm to bayoubengals88
quote:
Which might be a better card in some ways (mainly the airline company) but the spending requirement is probably $2k instead of $500.
the spending requirement is a single purchase so you're looking at $96 ($1 plus the $95 annual fee)
Posted on 3/16/17 at 9:03 pm to Drank
quote:Not enough for it to matter (assuming you already have established credit).
Will cancelling the card after my first year to avoid the next 69 dollar annual fee impact my credit in a negative way?
Posted on 3/16/17 at 9:04 pm to wizziko
quote:Well I'll be damned. Sweet deal.
the spending requirement is a single purchase so you're looking at $96 ($1 plus the $95 annual fee)
EDIT: BARCLAY is shite I did NOT get instant approval for this shitty Frontier card.
Credit Score: 790s
Utilization: 3-5%
What gives?? Is it because I got the Arrival plus in December? That was three months ago!
Does this mean I'm definitely not going to get this card if I'm up for review? or will they actually review it?
This post was edited on 3/16/17 at 9:13 pm
Posted on 3/17/17 at 10:18 am to AmeriKop45
Are there any limitations to the two free Hyatt nights?
For example, can I get a suite at the Hyatt Regency at Lake Tahoe with this?
For example, can I get a suite at the Hyatt Regency at Lake Tahoe with this?
Posted on 3/17/17 at 10:29 am to bayoubengals88
You can use the two free nights at any Hyatt hotel. There's no restriction there.
Usually they just give you the lowest level room available in the hotel, but you can always call to book it instead and see what they'll do for you.
Usually they just give you the lowest level room available in the hotel, but you can always call to book it instead and see what they'll do for you.
Posted on 3/17/17 at 10:52 am to TheChosenOne
Awesome, thanks.
I'm ok with the $400 room, but I will call to check anyway
I'm ok with the $400 room, but I will call to check anyway
Posted on 3/17/17 at 11:43 am to Lazy But Talented
quote:
For my mental sake I can't stand seeing debt on an account so I'll just pay it off every week if it doesn't affect anything.
If you consistently end up with a zero balance when your statement comes out, it dings your credit a bit.
Posted on 3/22/17 at 1:03 pm to Joshjrn
FYI Cardcash is back to coding as utilities for 5x with Ink.
What's the best redemption with UR for hotels? Is the best way just to go through the UR portal and buy with points that way?
What's the best redemption with UR for hotels? Is the best way just to go through the UR portal and buy with points that way?
This post was edited on 3/22/17 at 2:23 pm
Posted on 3/22/17 at 6:14 pm to fatboydave
I just met my minimum spending on the AmEx business card - 2 days after my billing statement closed. Do I have to wait a month to get the sign up bonus? Longer? Is there anything I can do to get the points sooner (like pay in advance)? I really need the points so I can book a hotel room.
Posted on 3/22/17 at 8:25 pm to fatboydave
Hyatt is
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