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GenesChin
Army Fan
The Promise Land
Member since Feb 2012
35775 posts

re: Credit Card Rewards and Points Discussion
quote:

Getting her a starter card


This is better than AU. Models are starting to weigh AUs less

quote:

so she's not leaving college with a blank slate.


Take out a Stafford loan for her. I did it to build credit in college. Huge help to my credit score

Also was very fortunate since that extra $ left over upon graduation helped pay my first month on the job before my paycheck arrived.


Not many places offer an unsecured loan at some 3-4% interest

This post was edited on 4/27 at 10:24 am


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VABuckeye
Ohio State Fan
Oak Hill, VA
Member since Dec 2007
24352 posts

re: Credit Card Rewards and Points Discussion
Good suggestions already and you're right to start preparing her history now.

Don't keep the card away from her. She needs to learn to use it responsibly. Getting a student loan is a good idea. Capital One and Discover both have cards geared towards students.

True story. Friends paid for everything for their daughter while she was in school. Rent, tuition, expenses. It was all paid by them with cash. She graduated from William & Mary with honors and her first job paid $85k a year. She could not get approved for an apartment without a co-signer because mom and dad paid for and put everything in their names.
This post was edited on 4/27 at 10:57 am


bbap
Pacific Fan
Baton Rouge, LA
Member since Feb 2006
92202 posts

re: Credit Card Rewards and Points Discussion
Roger that. Thanks fellas for the tips.


Malefic Runt
Georgia Fan
Try my robe
Member since Oct 2018
1266 posts

re: Credit Card Rewards and Points Discussion
I have a possibly similar question, but my wife is trying to build her credit a bit this year (shes currently around 690) Is there a decent site where she can punch in her info and compare a list of card offers? Just to not waste time and send a barrage of inquiries to her report applying for cards she might not get


Belly
LSU Fan
Member since Dec 2016
193 posts

re: Credit Card Rewards and Points Discussion
My niece is going on a trip to Europe over the summer. Being in college, she has little to no credit history. Is there a card that she might be able to get that she could use to avoid needing to hold a bunch of cash and not have to pay foreign transaction fees?


SlowFlowPro
Stanford Fan
Simple Solutions to Complex Probs
Member since Jan 2004
366083 posts
 Online 

re: Credit Card Rewards and Points Discussion
i haven't gotten a new CC in a bit. looking for the best cash back cards. thinking a Chase Freedom

3% the first year and 1.5% back after. no annual fee

the wells fargo card has 1.5% cash back (1.8% for Apple or Google pay) and a $150 sign up bonus

any other good options for CB? elite sign up bonuses?


Carson123987
Texas Fan
Middle Court at the Rec
Member since Jul 2011
61550 posts
 Online 

re: Credit Card Rewards and Points Discussion
quote:

i haven't gotten a new CC in a bit. looking for the best cash back cards. thinking a Chase Freedom

3% the first year and 1.5% back after. no annual fee


thats the freedom unlimited, make sure you're getting that one and not the regular freedom (5% back on quarterly categories)

I just got the freedom unlimited. one of the best deals doing right now


Lsut81
Chicago Cubs Fan
Member since Jun 2005
69204 posts

re: Credit Card Rewards and Points Discussion
Anyone seen the new Southwest Priority Card?

60k pts after 2k spend
$75 Airline Credit
4 Upgraded Boardings ($160 value)

$149 annual fee


Tempting... Would get Campanion Pass for next year at this point and could easily turn the 60k into 3 round trip (6 w/ companion)


SuperDomed
LSU Fan
Birmingham
Member since May 2010
867 posts

re: Credit Card Rewards and Points Discussion
How much do you have to spend to get Companion Pass?


Lsut81
Chicago Cubs Fan
Member since Jun 2005
69204 posts

re: Credit Card Rewards and Points Discussion
quote:

How much do you have to spend to get Companion Pass?


110k points


kywildcatfanone
Kentucky Fan
Wildcat Country!
Member since Oct 2012
61210 posts

re: Credit Card Rewards and Points Discussion
If you get the cards and get the companion pass, is that forever, or do you have to re-earn it annually?


HawkeyePierce
Member since Feb 2008
18 posts

re: Credit Card Rewards and Points Discussion
Its for the remained of this year and the next. So,the ideal situation is open the business card and the personal cards in November(ish) and meet the minimum spends in January so you have an effective 2 years of companion pass.

You may need to spend a little bit more since usually the bonus is 40K and 60K for personal and business respectively.


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willeaux
LSU Fan
Member since Jan 2006
2468 posts

re: Credit Card Rewards and Points Discussion
Ive been looking today for cash back cards as well. The best one Ive seen is the Citi double cash card. Just a straight up 2%. No bonus, no fee, no category. Ill probably get that one for one business that mainly pays fees and general merchandise.

For my fuel intensive business the chase Ink pencils out better, but not by much. For my specific needs anyway.


fatboydave
LSU Fan
Fat boy land
Member since Aug 2004
12680 posts

re: Credit Card Rewards and Points Discussion
Got hit with Serve shutdown letter on card that's barely 2 months old. Just started to get comfortable liquidating vcgs that way. Back to MOs. It was fun while it lasted.


LSUregit
LSU Fan
Member since Dec 2013
1095 posts

re: Credit Card Rewards and Points Discussion
Sucks. I was doing 20k/ month (P2). Was able to sign up for 4 more yesterday, hopefully not total ban.


Teddy Ruxpin
LSU Fan
TX
Member since Oct 2006
33277 posts

re: Credit Card Rewards and Points Discussion
Serve booted me years ago when they first started cracking down.

Got a year or two before they did though.


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fatboydave
LSU Fan
Fat boy land
Member since Aug 2004
12680 posts

re: Credit Card Rewards and Points Discussion
quote:

Was able to sign up for 4 more yesterday

Think you will be able to load them? Where are you getting the gcs?


I have 2 extras that were not activated yet. I guess I'll activate and try to load. Thinking of adding some more with P2. It was way too easy compared to MOs. I hate that I was too lazy to read and learn about it the last couple years
This post was edited on 5/23 at 2:13 pm


LSUregit
LSU Fan
Member since Dec 2013
1095 posts

re: Credit Card Rewards and Points Discussion
quote:

I have 2 extras that were not activated yet. I guess I'll activate and try to load.


Those should be good to go

quote:

Thinking of adding some more with P2


If her card received an email, the loophole closed already and she wont be able to sign up for a new card.


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Teddy Ruxpin
LSU Fan
TX
Member since Oct 2006
33277 posts

re: Credit Card Rewards and Points Discussion
There is nothing about MOs that I have any desire to deal with.

There were many easy coach potato options up until about 2016 that make MOs seem ridiculous. So in a sense it was probably good you didn't know about them or you may have been like me.


cmlsu
LSU Fan
Baton Rouge, LA
Member since Aug 2011
450 posts

re: Credit Card Rewards and Points Discussion
quote:

There is nothing about MOs that I have any desire to deal with.

There were many easy coach potato options up until about 2016 that make MOs seem ridiculous. So in a sense it was probably good you didn't know about them or you may have been like me.


Wake me when the next “vanilla reload to bluebird “ arrives or at least becomes semi public.


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