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Quick Navigation Bottom Misc
Forum » Official MISC Credit Card Thread (Advice, Churning, Referrals, Offers)
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Thread: Official MISC Credit Card Thread (Advice, Churning, Referrals, Offers)

post 1568309671 12-10-2018, 04:15 PM
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#31
  1. Muzzlrpress
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Originally Posted By Ratfish⏩
not necessarily. i would contact the original creditor (not the collections agency) and attempt to pay to delete it
Thanks m8
I'm back, bitches!
post 1568313251 12-10-2018, 05:03 PM
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#32
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Originally Posted By DanielleGreen⏩
This and they can lower your interest rate too.

Also, does anyone here have the Wells Fargo Propel American Express card?
I got it a couple months ago, already reached the 30k points bonus. 0% interest first 12 months, 3x points back on a host of regular things such as gas, rideshare, streaming, flights, hotels, etc. 1x points back on everything else. Definitely a travel card Can't say much more about it as I haven't really utilized any rewards as of yet. but it's a good looking card, and i'm p sure it's metal as well.

unfortunately no referral bonuses for Propel, or Chase sapphire reserve at the moment. but both good cards...probably don't need both but such is life
"So t
post 1568314051 12-10-2018, 05:12 PM
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#33
  1. habibtizz
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srs question, I don't have a CC. What should I start? Local bank? Don't even have a costco card. Only debt I have is student loans <10k. What do? Srs. Don't want to be stuck without a CC anymore.
*Ass Eaters Anonymous*
*Full Nelson Anal Crew*
post 1568315021 12-10-2018, 05:23 PM
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#34
  1. sword_
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Originally Posted By habibtizz⏩
srs question, I don't have a CC. What should I start? Local bank? Don't even have a costco card. Only debt I have is student loans <10k. What do? Srs. Don't want to be stuck without a CC anymore.
Do you know your credit score? What are your needs?

Sounds like you are building credit. I do like the credit cards through banks or credit unions. Before I knew anything about credit in my early 20s I had retail credit cards. I don't recommend them. I later got a credit card for car maintenance called CarCarOne which was really good and it helped me build credit. I later got a Chase Freedom with a starting limit of $3500 a few years back. It is currently at a $15000 limit. My Chase Sapphire Preferred is higher.

I'd get something through a credit union / bank or a simple card like Discover IT, Chase Freedom / Unlimited IMO. Something with NO annual fee.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568315471 12-10-2018, 05:26 PM
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#35
  1. habibtizz
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Originally Posted By sword_⏩
Do you know your credit score? What are your needs?

Sounds like you are building credit. I do like the credit cards through banks or credit unions. Before I knew anything about credit in my early 20s I had retail credit cards. I don't recommend them. I later got a credit card for car maintenance called CarCarOne which was really good and it helped me build credit. I later got a Chase Freedom with a starting limit of $3500 a few years back. It is currently at a $15000 limit. My Chase Sapphire Preferred is higher.

I'd get something through a credit union / bank or a simple card like Discover IT, Chase Freedom / Unlimited IMO. Something with NO annual fee.
Ah okay thanks man, do banks/credit unions typically need a lot of capital in one's savings for a credit card? or just proof of employment/solid financial history? Needs are really just to build credit. Just have an extra backup for anything if things go down. I don't have chase out in the islands, so doubt I could get a card through them.
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post 1568315611 12-10-2018, 05:28 PM
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#36
  1. sword_
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Originally Posted By habibtizz⏩
Ah okay thanks man, do banks/credit unions typically need a lot of capital in one's savings for a credit card? or just proof of employment/solid financial history?
Typically income, solid employment. If you're worried you can get a secured credit card or get someone to cosign who has established credit (i.e. a family member).
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568316401 12-10-2018, 05:36 PM
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#37
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Great thread boyos. I’ll be in on this continually.

I’m 22 with one CC (Discover IT), but I’ve fallen into debt recently and dropped down to a 710 credit score. Previously, I was at 760 range. Am I going to be able to get it back to that level once I pay off my CC debt? When should I open a line of credit?
post 1568316601 12-10-2018, 05:38 PM
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#38
  1. Ratfish
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one thing that is worth mentioning is that when you guys are done getting new lines of credit/loans etc., i would strongly advise that you lock your credit reports with the 3 bureaus. i think back when i did it, it was 20 bucks or something. well worth it if you want to protect your score and defend against identity theft
Make Europe Germany Again
post 1568320521 12-10-2018, 06:25 PM
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#39
  1. sword_
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Originally Posted By Ratfish⏩
one thing that is worth mentioning is that when you guys are done getting new lines of credit/loans etc., i would strongly advise that you lock your credit reports with the 3 bureaus. i think back when i did it, it was 20 bucks or something. well worth it if you want to protect your score and defend against identity theft
What do you mean lock?
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568320921 12-10-2018, 06:30 PM
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#40
  1. Ratfish
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Originally Posted By sword_⏩
What do you mean lock?
you can lock your reports so no new inquiries or accounts can show up. it blocks everything.
Make Europe Germany Again
post 1568321081 12-10-2018, 06:31 PM
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#41
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Originally Posted By sword_⏩
What do you mean lock?
You can contact all 3 major credit bureaus and put a freeze(lock) on them so nobody can apply for new credit by frauding you, even if your info has been compromised.
__________________
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post 1568323681 12-10-2018, 07:09 PM
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#42
  1. SydneyJunkie
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citibank double cash card. all u need to know

dont have time to look at catorgories seasons and bullchit. swipe n go
post 1568324441 12-10-2018, 07:21 PM
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#43
  1. Ochosiete
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i just use my boa cash rewards card for everything (pay it off each month), get good amount of cash back
post 1568324791 12-10-2018, 07:27 PM
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#44
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Originally Posted By SpeedCheeser⏩
In. Sitting at an 806 credit score.

Currently have an Amazon Prime card through Chase and a Capital One Quicksilver card.

The Amazon card gives 2% cash back on restaurants (which includes most bars!), pharmacies, and gas stations, and 5% back on Amazon purchases. So obviously I use this one for everything through Amazon, but also any time I'm dining out or filling up the car. The Quicksilver card was my first rewards card and is 1.5% back on everything, so that's my main card that I use everywhere else and where all my auto pay bills are set up to go through.
same set up..to a T

ill be getting a 3rd card for travel at some point soon
post 1568325431 12-10-2018, 07:38 PM
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#45
  1. JustJones
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Feels, am just using parents card they pretty much gave me and its been at like 780 and never dipped under.

No place will give me my own denied by like every card there is. How do these poor bums get multiple cards under every bank with no trouble
(> ͡ ͜ʖ ͡)(>o_O)> 5'8" 155lbs
Chlo Grace Moretz Appreciation Crew - alumni
Glow Crew.
post 1568325691 12-10-2018, 07:41 PM
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#46
  1. sword_
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I'm thinking of getting the AMEX Platinum. I really leverage my cards for points for travel. I may see if I can change my Chase Freedom to an Unlimited if it yields me more points but I hardly use it TBH.

That annual fee is HUGE but I was willing to pay a similar fee for the Chase Sapphire Reserve but can't now because of the family clause.

Decisions...
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568328611 12-10-2018, 08:25 PM
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#47
  1. Mangino
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^ strong 5th post

Earn 80,00 bonus points with Chase Ink Business Preferred. I can be rewarded, learn more.
https://www.referyourchasecard.com/21/UBL5I8E4WQ
post 1568329741 12-10-2018, 08:46 PM
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#48
  1. SpeedCheeser
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Originally Posted By habibtizz⏩
srs question, I don't have a CC. What should I start? Local bank? Don't even have a costco card. Only debt I have is student loans <10k. What do? Srs. Don't want to be stuck without a CC anymore.
I'd check and see what your bank or credit union can do for you, but I'd also run a free credit check on Credit Karma and see what kind of offers they give that are (supposed to be) tailored to your credit history. With little or no credit, you might not be able to get signed up to a rewards card (I have no idea). If that's the case, really any that will give you credit should be fine. If you use it correctly, the interest rate should be almost entirely irrelevant, unless you get into a crazy severe emergency. Get used to putting purchases on your card, but never carrying a balance. At a minimum it should be paid off in full every month. I pay mine off weekly usually. After you've build up some credit see what kind of offers you get or can find for rewards cards and open one of them.
Misc Firearms Crew

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RIP YGST
post 1568332211 12-10-2018, 09:29 PM
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#49
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Originally Posted By Zackad⏩
I got it a couple months ago, already reached the 30k points bonus. 0% interest first 12 months, 3x points back on a host of regular things such as gas, rideshare, streaming, flights, hotels, etc. 1x points back on everything else. Definitely a travel card Can't say much more about it as I haven't really utilized any rewards as of yet. but it's a good looking card, and i'm p sure it's metal as well.

unfortunately no referral bonuses for Propel, or Chase sapphire reserve at the moment. but both good cards...probably don't need both but such is life
Thanks! Repped!
I was thinking of getting the card before I travel/move. I also read that it has no annual fee and no foreign transaction fees, which is a win for me!
post 1568332741 12-10-2018, 09:38 PM
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#50
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i hear these "work" (if u kno wat i mean) dealers even have square readers now so their "clients" can pay with credit cards. what a world we live in
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post 1568332771 12-10-2018, 09:40 PM
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#51
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In



Does anyone want a referral link for the amex platinum or sapphire reserve? We both get extra points equivalent to $150
The above post is 100% false
*Baby wrist crew*
post 1568332871 12-10-2018, 09:41 PM
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#52
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Originally Posted By sword_⏩
I'm thinking of getting the AMEX Platinum. I really leverage my cards for points for travel. I may see if I can change my Chase Freedom to an Unlimited if it yields me more points but I hardly use it TBH.

That annual fee is HUGE but I was willing to pay a similar fee for the Chase Sapphire Reserve but can't now because of the family clause.

Decisions...
Look at this way... I bought a $3700 watch with my platinum. I lost it at a Fair 4 weeks later and AMEX reimbursed me through a check. All they wanted was the receipt.
The above post is 100% false
*Baby wrist crew*
post 1568333081 12-10-2018, 09:46 PM
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#53
  1. KILLdante
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Ok quick question. I have 3 cards and all of them have subscription services tied to them. One is Amazon Prime, another is Spotify, and the last is Netflix. I pay them ALL as soon as I get the notification that my statement has arrived. Is this a good/smart way to increase my credit score relatively fast or do companies like to see variation and not just the same $4.99 charge over and over again?

Bills and car note are always paid on time as well. I'm not too into churning points/miles since I'm not really making that much money atm.
"What country can preserve its liberties if their rulers are not warned from time to time that their people preserve the spirit of resistance. Let them take arms." - Thomas Jefferson
post 1568333711 12-10-2018, 09:59 PM
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#54
  1. sword_
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Originally Posted By USAPump⏩
Look at this way... I bought a $3700 watch with my platinum. I lost it at a Fair 4 weeks later and AMEX reimbursed me through a check. All they wanted was the receipt.
Whoa word?!
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568333911 12-10-2018, 10:02 PM
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#55
  1. USAPump
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Originally Posted By sword_⏩
Whoa word?!
Yeah man. The Platinum is the sh*t. I buy everything expensive and all flights on my platinum. AMEX has their own insurance too so it's not outsourced and takes only 2-3 weeks.

The Gold card has this same benefit too I think but I think only the Platinum has the extra "lost items" as purchase protection.
The above post is 100% false
*Baby wrist crew*
post 1568333951 12-10-2018, 10:03 PM
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#56
  1. Ratfish
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Originally Posted By KILLdante⏩
Ok quick question. I have 3 cards and all of them have subscription services tied to them. One is Amazon Prime, another is Spotify, and the last is Netflix. I pay them ALL as soon as I get the notification that my statement has arrived. Is this a good/smart way to increase my credit score relatively fast or do companies like to see variation and not just the same $4.99 charge over and over again?

Bills and car note are always paid on time as well. I'm not too into churning points/miles since I'm not really making that much money atm.
activity doesn't increase the score really. if everything reports with a balance, even if it's small, it probably decreases your score. if you have a card that gives you a fico, try moving your auto pays all to one card and leave it for a few months to report like that and i bet your score would increase. this stuff is pretty minor compared to age of accounts/large balances/pay history though

the best way to increase your score is to stop fukken around with new accounts and let everything age, let all the inquiries drop off and to keep balances pretty low. they just want you to be an old, stable dude sitting in a leather chair smoking a pipe
Make Europe Germany Again
post 1568334631 12-10-2018, 10:21 PM
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#57
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Originally Posted By USAPump⏩
Yeah man. The Platinum is the sh*t. I buy everything expensive and all flights on my platinum. AMEX has their own insurance too so it's not outsourced and takes only 2-3 weeks.

The Gold card has this same benefit too I think but I think only the Platinum has the extra "lost items" as purchase protection.
AMEX HILTON HONORS ASPIRE CREDIT CARD has the same "lost items" benefit.
post 1568335341 12-10-2018, 10:34 PM
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#58
  1. sword_
  2. uberschwert
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Originally Posted By USAPump⏩
Yeah man. The Platinum is the sh*t. I buy everything expensive and all flights on my platinum. AMEX has their own insurance too so it's not outsourced and takes only 2-3 weeks.

The Gold card has this same benefit too I think but I think only the Platinum has the extra "lost items" as purchase protection.
I should have very favorable approval odds for both. I was looking at the benefits with Uber and the $200 credit. Pretty awesome.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568335471 12-10-2018, 10:38 PM
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#59
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Originally Posted By sword_⏩
I'm thinking of getting the AMEX Platinum. I really leverage my cards for points for travel. I may see if I can change my Chase Freedom to an Unlimited if it yields me more points but I hardly use it TBH.

That annual fee is HUGE but I was willing to pay a similar fee for the Chase Sapphire Reserve but can't now because of the family clause.

Decisions...
I have Amex Platinum and it's good for me. I travel a lot. I use almost all the benefits. I book a good amount of full fare first class travel on the amex website and get a chit ton of points (5x points when you book there). Got enough points just this year to book first class for me and the wife to Japan and back for free. That's over $10k worth at least.

Free entry to the lounges, especially the centurion lounges is really nice.
post 1568335591 12-10-2018, 10:39 PM
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#60
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Ayy been waiting for this thread. ****ed up my credit in my early twenties am at about 730 now. I make the money to get a decent card I think.

What's the best card if you drive a ****load?
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