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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 1568303441 12-10-2018, 02:53 PM
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#1
  1. sword_
  2. uberschwert
  1. sword_
  2. uberschwert
  3. Join Date: May 2005
  4. Location: Texas, United States
  5. Posts: 107,635
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Official MISC Credit Card Thread (Advice, Churning, Referrals, Offers)

In an effort to consolidate the general credit card questions on the MISC I've decided to make a thread on this subject. This can encompass churning, increasing your credit score, discussion on your financial goals with your credit card, hot offers, sharing referrals, etc. This is a work in progress so suggestions appreciated.

Questions to ask when choosing a credit card.
- What is your goal of choosing a credit card? To increase your credit score, building credit, rewards, emergencies? I have one card for car expenses that offers me 0% interest if I pay off the card within 6 months. That is my car emergency card.
- If you want a credit card for rewards, what are your credit card reward goals? Travel points, cash back?
- What is your credit score?
- Do you intend (or think you might) carry a balance?
- Do you do domestic travel? International? Both?
- What cards do you have now?


Credit Card Suggestions
-https://www.nerdwallet.com/
-https://lifehacker.com/tag/credit-cards
-https://www.bogleheads.org/wiki/Credit_cards


Credit Score Sites
-https://www.creditkarma.com
-https://secure.creditsesame.com/
-https://www.bankrate.com/quizzle/
-https://www.myfico.com/

Churning
-https://www.reddit.com/r/churning/

You are able to get a FREE credit report once a year from all US creditors (Equifax, Experian, Transunion) and dispute your credit just. The above are generally free as well.

Simple ways on increasing your credit score.

- PAY YOUR BILLS ON TIME
- Keep your credit utilization ratio low.
- Avoid applying for too many new credit cards within a short period of time.
- Avoid closing credit card accounts, unless you’re not using them and they charge an annual fee.
- Check each of your credit reports regularly for inaccurate information. If you find an inaccuracy, dispute it as soon as you can.


The most common credit cards you will hear on the MISC people have are generally the following:

- Chase Freedom (including Unlimited)
- Chase Sapphire (preferred and Reserve)
- American Express Platinum

I've seen some others mention Discover IT and Citibank stuff but I believe most people on here are financially well off and are interest in churning more. Feel free to share referrals as well.

Chase Sapphire Preferred Referral - https://www.referyourchasecard.com/6/CEBV9QEGAR

I have a Chase Freedom but I think the referral is only for their Unlimited now. Please provide some suggestions.
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 1568303881 12-10-2018, 02:58 PM
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#2
  1. SpermWhale
  2. redraider86's boy toy
  1. SpermWhale
  2. redraider86's boy toy
  3. Join Date: Dec 2010
  4. Location: Pennsylvania, United States
  5. Posts: 16,555
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1rd

good job OP
post 1568304021 12-10-2018, 03:00 PM
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#3
  1. OffwhiteBrah
  1. OffwhiteBrah
  3. Join Date: Apr 2015
  4. Location: Florida, United States
  5. Posts: 50,218
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Repped for putting effort into thread, this subreddit has great churning advice. Add in your op if possible

https://www.reddit.com/r/churning/
post 1568304161 12-10-2018, 03:01 PM
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#4
  1. Zackad
  2. Keanu Reeves Checking In
  1. Zackad
  2. Keanu Reeves Checking In
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inb4 OP's next thread "Check out my youtube channel on how to manage and reduce your debt!"
"So t
post 1568304851 12-10-2018, 03:09 PM
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#5
  1. sword_
  2. uberschwert
  1. sword_
  2. uberschwert
  3. Join Date: May 2005
  4. Location: Texas, United States
  5. Posts: 107,635
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Originally Posted By SpermWhale⏩
1rd

good job OP
Just trying to help. Plus it will help me as well.
Originally Posted By OffwhiteBrah⏩
Repped for putting effort into thread, this subreddit has great churning advice. Add in your op if possible

https://www.reddit.com/r/churning/
Thanks man! I almost forgot about that.
Originally Posted By Zackad⏩
inb4 OP's next thread "Check out my youtube channel on how to manage and reduce your debt!"
That Tai Lopez hustle

EDIT: post your Reserve referral I'll put it in OP.
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 1568305781 12-10-2018, 03:19 PM
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#6
  1. MrAWatts
  2. Cellphone elitist
  1. MrAWatts
  2. Cellphone elitist
  3. Join Date: Apr 2009
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Everyone should have at least 3 credit cards and keep them <30% with on time payments for maximum credit gainz. Srs


Lol at the nocreditcels who think they are doing something noble and money-wise but are really just being foolish and not building their credit. LMAO @ cash.
535 deadlift.
*If you can't lift it without straps you can't lift it crew
*Morrowind is the best game of all time crew
*Double everything Chipotle Crew
*Style crew
*Sig line can't be a novel crew
post 1568306351 12-10-2018, 03:27 PM
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#7
  1. sword_
  2. uberschwert
  1. sword_
  2. uberschwert
  3. Join Date: May 2005
  4. Location: Texas, United States
  5. Posts: 107,635
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Originally Posted By MrAWatts⏩
Everyone should have at least 3 credit cards and keep them <30% with on time payments for maximum credit gainz. Srs


Lol at the nocreditcels who think they are doing something noble and money-wise but are really just being foolish and not building their credit. LMAO @ cash.
This. Though I'm starting to carry $50 or so in cash on me lately because it is good in certain situations. You're right though. Credit > Cash for the most part.
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 1568306641 12-10-2018, 03:30 PM
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#8
  1. Zackad
  2. Keanu Reeves Checking In
  1. Zackad
  2. Keanu Reeves Checking In
  3. Join Date: Nov 2010
  4. Location: California, Uganda
  5. Posts: 25,380
  6. Rep Power: 219281
Originally Posted By sword_⏩
This. Though I'm starting to carry $50 or so in cash on me lately because it is good in certain situations. You're right though. Credit > Cash for the most part.
Always have a $20 tucked between my phone and case as emergency funds in the event my wallet gets stolen.


Another $20 up the butt for the most dire of situations.
"So t
post 1568307031 12-10-2018, 03:35 PM
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#9
  1. CaliSuperSport
  2. Mercenary. Non-negotiable
  1. CaliSuperSport
  2. Mercenary. Non-negotiable
  3. Join Date: Apr 2012
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ωσяℓ∂ тяανєℓєя ȼяєω
Pre-Med crew
★ NUFC ☆
₪ DEFQON.1 AUSTRALIA 2016 ₪
177 lbs | O: 165 /// B: 275 /// S: 335 /// D: 390
post 1568307251 12-10-2018, 03:37 PM
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#10
  1. MrAWatts
  2. Cellphone elitist
  1. MrAWatts
  2. Cellphone elitist
  3. Join Date: Apr 2009
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Originally Posted By sword_⏩
This. Though I'm starting to carry $50 or so in cash on me lately because it is good in certain situations. You're right though. Credit > Cash for the most part.
Legit the only time I’ve used cash in years is to help out homeless brahs every now and then. If I ever have cash that’s how I get rid of it
535 deadlift.
*If you can't lift it without straps you can't lift it crew
*Morrowind is the best game of all time crew
*Double everything Chipotle Crew
*Style crew
*Sig line can't be a novel crew
post 1568307291 12-10-2018, 03:38 PM
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#11
  1. Ratfish
  1. Ratfish
  3. Join Date: Jul 2009
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in

Make Europe Germany Again
post 1568307551 12-10-2018, 03:40 PM
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#12
  1. CaliSuperSport
  2. Mercenary. Non-negotiable
  1. CaliSuperSport
  2. Mercenary. Non-negotiable
  3. Join Date: Apr 2012
  4. Location: Sacramento, California, United States
  5. Posts: 47,223
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Originally Posted By Ratfish⏩
in

looks like you dipped under 840 in Jan, Feb and September. Ur not gonna make it boyo
ωσяℓ∂ тяανєℓєя ȼяєω
Pre-Med crew
★ NUFC ☆
₪ DEFQON.1 AUSTRALIA 2016 ₪
177 lbs | O: 165 /// B: 275 /// S: 335 /// D: 390
post 1568307641 12-10-2018, 03:42 PM
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#13
  1. Voidgaze
  2. Real Azz Misca'
  1. Voidgaze
  2. Real Azz Misca'
  3. Join Date: Feb 2018
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In.

735 and climbing. Hoping to upgrade and get a second card sometime next year.
post 1568307751 12-10-2018, 03:43 PM
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#14
  1. jlick
  2. Unregistered User
  1. jlick
  2. Unregistered User
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If you are no longer using a credit card that has an annual fee, you may be able to "downgrade" to a card with no annual fee if you call the bank and ask. This will help keep your credit score high!
-You are only as strong as your weakest link-
post 1568307851 12-10-2018, 03:45 PM
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#15
  1. leoaa777
  1. leoaa777
  3. Join Date: Mar 2009
  4. Posts: 18,867
  5. Subscribers: 5
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815 or so last time I checked. I apply for credit cards based on their rewards.


Case in point, got the new Venture in the mail, brb 75,000 miles rewards if spending 5k in 3 months. Srs. It’s a new offer that I will use up until a better one comes along.
☆ Member of the Brave 767 crew ☆ Never forget.
-Florida Gators-
post 1568307901 12-10-2018, 03:47 PM
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#16
  1. Ratfish
  1. Ratfish
  3. Join Date: Jul 2009
  4. Location: Portland, Oregon, United States
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Originally Posted By Testifier⏩
strong credit score boyo

should I lay down and rot?

760 is prime, so i think you know the answer to that

you probably got dinged from buying a car and anything else you did recently

inb4 richstrong
Originally Posted By CaliSuperSport⏩
looks like you dipped under 840 in Jan, Feb and September. Ur not gonna make it boyo
i did that on purpose to give you guys hope and let you get a closer look at a credit god
Make Europe Germany Again
post 1568307981 12-10-2018, 03:48 PM
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#17
  1. CaliSuperSport
  2. Mercenary. Non-negotiable
  1. CaliSuperSport
  2. Mercenary. Non-negotiable
  3. Join Date: Apr 2012
  4. Location: Sacramento, California, United States
  5. Posts: 47,223
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Originally Posted By Ratfish⏩
i did that on purpose to give you guys hope and let you get a closer look at a credit god
..
ωσяℓ∂ тяανєℓєя ȼяєω
Pre-Med crew
★ NUFC ☆
₪ DEFQON.1 AUSTRALIA 2016 ₪
177 lbs | O: 165 /// B: 275 /// S: 335 /// D: 390
post 1568308061 12-10-2018, 03:49 PM
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#18
  1. Ratfish
  1. Ratfish
  3. Join Date: Jul 2009
  4. Location: Portland, Oregon, United States
  5. Posts: 113,850
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Originally Posted By CaliSuperSport⏩
..
don't feel bad...my older brother and father scoremog me with 850s
Make Europe Germany Again
post 1568308231 12-10-2018, 03:52 PM
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#19
  1. sword_
  2. uberschwert
  1. sword_
  2. uberschwert
  3. Join Date: May 2005
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777 / 791
Transunion / Equifax
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 1568308361 12-10-2018, 03:53 PM
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#20
  1. peterplsss
  2. MEMENTO MORI
  1. peterplsss
  2. MEMENTO MORI
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I can give out freedom unlimited or sapphire reserve referrals if anyone is interested. Also Discover IT too.
***Feeding son only beef jerky and rocks until he is 24 crew***

***Will be asking other parents at preschool meetings if they are jawmaxing their kids too crew***
post 1568308401 12-10-2018, 03:54 PM
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#21
  1. CaliSuperSport
  2. Mercenary. Non-negotiable
  1. CaliSuperSport
  2. Mercenary. Non-negotiable
  3. Join Date: Apr 2012
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  5. Posts: 47,223
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Originally Posted By Ratfish⏩
don't feel bad...my older brother and father scoremog me with 850s
I had a 770 when I was 21, before I lost my job and my finances were rekt.

After getting back on my feet, I made the poor choice of getting a car at the upper end of my monthly budget, while I still had CC and collections debt, which prolonged my issues. Should have been smarter.

Next time I'll think, what would Testifier, Ratfish and MrAWatts do
ωσяℓ∂ тяανєℓєя ȼяєω
Pre-Med crew
★ NUFC ☆
₪ DEFQON.1 AUSTRALIA 2016 ₪
177 lbs | O: 165 /// B: 275 /// S: 335 /// D: 390
post 1568308451 12-10-2018, 03:55 PM
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#22
  1. sword_
  2. uberschwert
  1. sword_
  2. uberschwert
  3. Join Date: May 2005
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  5. Posts: 107,635
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Originally Posted By peterplsss⏩
I can give out freedom unlimited or sapphire reserve referrals if anyone is interested. Also Discover IT too.
If you post them I will post in OP.

We should be good with posting them publicly yes?
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 1568308601 12-10-2018, 03:58 PM
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#23
  1. ooph
  2. Registered User
  1. ooph
  2. Registered User
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I got the Citi Premier Thank you card (https://thepointsguy.com/news/citi-t...urrent-offers/) I was approved on Oct 1st and started spending as soon as I got the card. I'm already well over the $4k mark and have paid it. So I know they ended the promotion on oct 11th. I should still qualify for that 60k points bonus correct? If anybody here has been in this situation or know?
post 1568308671 12-10-2018, 03:58 PM
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#24
  1. Lord_Lemon
  2. MAGA
  1. Lord_Lemon
  2. MAGA
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I accidently didn't pay a credit card a few years ago after the credit company merged with someone else and gave me a new card with new number. Apparently I had a small balance on it and didn't realise the old balance was automatically transfered to the new card which I didn't pay until I realised what happened and it was too late. I thought notices in the mail were spam but were real. Anyway that dinged my credit pretty hard. I'm sitting at 776 or so now but probably could be 800+. Am I screwed or do I have options to fix this?
post 1568308801 12-10-2018, 04:01 PM
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#25
  1. Ratfish
  1. Ratfish
  3. Join Date: Jul 2009
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  5. Posts: 113,850
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Originally Posted By CaliSuperSport⏩
I had a 770 when I was 21, before I lost my job and my finances were rekt.

After getting back on my feet, I made the poor choice of getting a car at the upper end of my monthly budget, while I still had CC and collections debt, which prolonged my issues. Should have been smarter.

Next time I'll think, what would Testifier, Ratfish and MrAWatts do
the good news is that all those derogs fall off at the 7 year mark and positive accounts stick around for 10 years after they're closed
Originally Posted By Lord_Lemon⏩
I accidently didn't pay a credit card a few years ago after the credit company merged with someone else and gave me a new card with new number. Apparently I had a small balance on it and didn't realise the old balance was automatically transfered to the new card which I didn't pay until I realised what happened and it was too late. I thought notices in the mail were spam but were real. Anyway that dinged my credit pretty hard. I'm sitting at 776 or so now but probably could be 800+. Am I screwed or do I have options to fix this?
that's a perfect one to dispute (by contacting the 3 credit bureaus and using their process online to do it)

it might only have been reported to one or two of them
Make Europe Germany Again
post 1568309041 12-10-2018, 04:04 PM
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#26
  1. Muzzlrpress
  1. Muzzlrpress
  3. Join Date: Jan 2011
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Not necessarily card related, but would paying of a charged off account positively affect my score? I have a few that are fairly low in cost that I want to get rid of so that I can climb.
I'm back, bitches!
post 1568309161 12-10-2018, 04:06 PM
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#27
  1. Ratfish
  1. Ratfish
  3. Join Date: Jul 2009
  4. Location: Portland, Oregon, United States
  5. Posts: 113,850
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Originally Posted By Muzzlrpress⏩
Not necessarily card related, but would paying of a charged off account positively affect my score? I have a few that are fairly low in cost that I want to get rid of so that I can climb.
not necessarily. i would contact the original creditor (not the collections agency) and attempt to pay to delete it
Make Europe Germany Again
post 1568309261 12-10-2018, 04:08 PM
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#28
  1. DanielleGreen
  2. Registered User
  1. DanielleGreen
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Originally Posted By jlick⏩
If you are no longer using a credit card that has an annual fee, you may be able to "downgrade" to a card with no annual fee if you call the bank and ask. This will help keep your credit score high!
This and they can lower your interest rate too.

Also, does anyone here have the Wells Fargo Propel American Express card?
post 1568309341 12-10-2018, 04:10 PM
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#29
  1. CaliSuperSport
  2. Mercenary. Non-negotiable
  1. CaliSuperSport
  2. Mercenary. Non-negotiable
  3. Join Date: Apr 2012
  4. Location: Sacramento, California, United States
  5. Posts: 47,223
  6. Rep Power: 275363
Originally Posted By Ratfish⏩
the good news is that all those derogs fall off at the 7 year mark and positive accounts stick around for 10 years after they're closed
Good because most of them are coming up on 7 years.

I briefly talked with a credit repair guy for free. He said try calling to pay for delete. I called ATT U-Verse on a $350 charge and they refused to budge. I forgot to return equipment when I moved.
ωσяℓ∂ тяανєℓєя ȼяєω
Pre-Med crew
★ NUFC ☆
₪ DEFQON.1 AUSTRALIA 2016 ₪
177 lbs | O: 165 /// B: 275 /// S: 335 /// D: 390
post 1568309481 12-10-2018, 04:13 PM
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#30
  1. SpeedCheeser
  2. 4doorsmorewhores
  1. SpeedCheeser
  2. 4doorsmorewhores
  3. Join Date: Apr 2010
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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.
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