Credit card reddit.

Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time ...I have the basic AMEX blue cash everyday credit card. I’ve had it for about 2 years and I started with a credit limit of 3000, it has been raised by AMEX (I’ve never requested) to 11,000 over the past couple years. I have been traveling more and wanted a better rewards card for traveling and my sister suggest the Hilton Honors credit card.2 days ago · Petal® 1 "No Annual Fee" Visa® Credit Card. Our pick for: No-deposit card with no annual fee. The issuer of the Petal® 1 "No Annual Fee" Visa® Credit Card doesn’t only rely on credit scores ...Dec 9, 2023 ... Yes as long as you know your spending limit. Discipline would definitely be key in using your cc. There was a time before that I stopped using ...Feb 25, 2023 · If it already does, then the Amex Gold card could be good. After the credits, it's a $10 effective annual fee. But, I'll stress, that's only if you already do those things. It's not technically a travel card, but it gets 3x on flights and it earns Membership Rewards, which can be used for travel (transferring to Delta or international partners).

r/creditcard: A place to find latest industry and consumer news regarding credit cards. For maximizing rewards go to /r/CreditCards or /r/churning. I agree I save more money with Amex, on average, but I don't find Chase offers useless. Some of the ones I found worthwhile recently: 15% off at Hyatt Place/House, (capped at around $38, I think), Marriott (high cap, $85). 10% Back at Amtrak (capped at $9). 20% back at Quill (capped at $50. I’ve got 3 different CCs with hefty credit limits. Even if two were to get locked somehow, I’d be fine. As for shredding the debit card, that was actually the recommendation of my banker at Chase. If I need to use my debit card to pay for something (which I haven’t in 6 years), it’s the same as cash, so I’d just get cash …

Mar 27, 2021 · I use Capital One credit cards for both personal and business. They have a very inexpensive annual fee, I think like $95 and they have the most robust reward system. You can not only use it to cash in for rewards (travel, amazon, etc ) but you can travel and then use purchase eraser later. As long as you charge it to …

Any debit card should be halal. If ur talking about financing, there are a lot of credit card providers that offer 0% APR for first 12 months. Unfortunately, pretty much all credit card providers will charge you interest if you’re late on payments so …PayPal Key is a virtual card that represents your PayPal wallet. PPK gives you a virtual credit card number, expiration date, and security code (which can be updated at any time) and can be used with any credit card or bank account in your PayPal wallet. This is probably the most versatile since it can be used with any credit or debit card.Here's the Worst Credit Card Advice We Found on Reddit. The Ascent. Knowledge. Credit Cards. Here's the Worst Credit Card Advice We Found on Reddit. …Nov 16, 2021 · 53. valeyard89. • 2 yr. ago. Chase Sapphire Reserve.. expensive annual fee, but you get $300 travel funds reimbursed, plus Priority Pass access so that works out about the same price. Plus TSA Precheck/Global Entry reimbursement, 1.5X points for travel spend, 15% off Lyft, etc.Feb 8, 2022 · We reached out to our primary bank and they offered two options, one is a debt consolidation loan with a 10.5% interest rate for 4-5 years and the other is a home-equity loan with interest rate of 3.75 to 4.25 to a draw period of 5-10 years, this option would require $1,000 in closing costs and minimum loan amount of $20,000.

With the Gemini Credit Card, you can earn rewards in bitcoin, ethereum or 40+ other cryptos currently available on Gemini. It’s the only credit card that deposits your crypto rewards immediately1. That means the crypto you earn lands in your Gemini account the instant you swipe, not a month later. No need to time the …

Feb 29, 2024 · Annual fee: $0. Other benefits and drawbacks: The Discover it® Student Cash Back card offers a 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% ...

Feb 18, 2022 · This is an excellent comment. An entire industry has sprung up focused solely on marketing these luxury credit cards to people like you in exchange for referral fees and advertising from credit card issuers. The issuers make money off people who want to get in on the “points game” and can’t make the minimum …Aug 10, 2023 ... Keep it open, just put the card away in a file box. It decrease your utilization and improves your credit score/history indefinitely if you keep ...Any debit card should be halal. If ur talking about financing, there are a lot of credit card providers that offer 0% APR for first 12 months. Unfortunately, pretty much all credit card providers will charge you interest if you’re late on payments so …If you want to maximize rewards, you probably need to use more than 1 credit card. Read up on our best credit card combinations here! We may be compensated when you click on produc... Amex Cash Magnet has $200-$250 bonus offers, and Blue Business Cash still has a $500 bonus offer via referral. Schwab Investor Card is a decent choice when it offers the elevated $200 bonus. Chase UR personal cards should be higher up--PYB enables cashout of UR at 1.25/1.5 cpp. Focusing on having an effective cashback of 4% or greater across all expenses: Citi Custom Cash 5% cashback, dining. Amex Blue Cash Preferred 6% cashback, groceries and streaming. Citi Costco 4% cashback, Gasoline. US Bank Cash+ 5% cashback, Wireless and Internet. Chase Amazon 5% cashback, Amazon.If you are scared to get your cards info stolen, swipe your card, put your pin... as soon as you press "OK" and it says "Please wait", push a lot of buttons randomly. By doing so, the guy with the bluetooth will retrieve something like pin: 203301928301820198230813. Most of them don't even check for the "OK" buttons.

ADMIN MOD. I raised my credit score from 546 to 720 in 4 months thanks to you guys. Credit. Hello everyone, first let me say THANK YOU. It is thanks to you that I finally, for the first time in my life, have control of my finances and can breath easier. I wanted to share my story in the hopes that someone else who was in a similar situation as ... The United Quest card is actually more valuable at virtually any budget (you get an annual flight credit AND 3x on flights vs 2x for the Explorer). Butttt the best approach is to get the Explorer first, then 1-2 years later get the quest (depending when you are eligible for the SUB). That way, over a span of 4 years, you have amassed 140k+ in ...A lot of them are part of credit card theft scams. They tell you that you'll be part of a package delivery network or something and you get paid to have packages sent to you, and then send them off somewhere else.Chase Freedom Flex (5% rotating categories and cell phone protection benefit when you pay your cell phone bill with the card) Chase Freedom Unlimited (3% on dinning, 1.5% on everything else) Amazon Prime Rewards (5% at Amazon/Whole Foods, but no 0% intro APR offer, also easier to qualify for than "core" Chase credit cards) germdisco. • 1 yr ...Credit card wiki at PersonalFinance. Complete List Of Free FICO Scores. Free Credit Reports Info from FTC. Card Offers Just for You. Point Calculator Card Comparison …

Whether you are looking to apply for a new credit card or are just starting out, there are a few things to know beforehand. Depending on the individual and the amount of research d...

Credit cards are VERY, VERY profitable for banks. They are the best in terms of generating cashflow amongst all offerings. For reference, SBI Card's reported ROA has been 4-5% consistently, while banks generally make 2-3% ROA on other credit products such as personal loans, and an even lower ROA on car loans and home loans. Finally, avoid the following credit card companies: Credit One, First Premiere, Milestone, Indigo, Fingerhut. A good rule of thumb is if they have a range for the annual fee, avoid them. These banks prey on low scores by charging fees for nearly everything, holding payments for 5+ days, or even an "application processing" or "account opening" fee. Apr 25, 2017 · I raised my credit score from 546 to 720 in 4 months thanks to you guys. Credit. Hello everyone, first let me say THANK YOU. It is thanks to you that I finally, for the first time in my life, have control of my finances and can breath easier. I wanted to share my story in the hopes that someone else who was in a similar situation as me, might ...A subreddit for everything about credit cards in the Philippines. ⬇️See More Menu for FAQs and pinned posts. Members Online What Credit Card to apply for for first time user Good luck. Currently use a couple of cards in rotation, but generally I use the AmEx Plat, Gold, and Blue Business Plus with some other cards (Amazon Prime Visa, CSP, Apple Card, etc.) for their niche purchases. AmEx Plat is for flights and perks really. Gold is for Groceries and Dining.

With the rising price of college tuition and textbooks, students need all the money saving tips they can get. A great way to save money is to get a better card, one with lower fees...

The card just adds a 1500 credit line to your amount of credit. Also, it reports 3% or less on your utilization. It building better credit for you by: 1) showing great payment history & 2) providing an additional amount of credit (1500/1000) to lower your credit utilization. You sit back and let it do it's work.

Learn how to use credit cards responsibly from Reddit users who share their experiences and knowledge. Find out the benefits of no annual fee cards, secured … Otherwise, the Barclays and Citi AA business cards are solid. Citi's card is 65k miles/$4k spend with a waived 1st year fee; Barclays is tiered - 50k miles/$1k spend in 90 days + an additional 30k miles for an additional $5k spend in the 1st year, 1st year fee not waived. wasabi_21 • 2 yr. ago. Thank you for this thorough breakdown. Apr 27, 2018 · I have not received any notices from OF or my ISP about my usage of a fake CC, but my attempt a couple years ago did not use that CC to process any payment. My assumption now is that this will not work for anything that requires any amount of payment, even one as little as $0.10. The moment a CC is charged, the business in question (in …Apr stands for annual percentage rate. A credit card basically acts as a loan that is always available for your use. When you take out a loan the company loaning you the money charges you money to borrow money and expects repayment at certain times. This amount of money charged is called interest. The amount that is charged is …Amex everyday (used)- same as above but balance transfer limit 7500$ 3. Dcu (easy to become member)- right now running a promotion for 0 apr and 0 fee for 6 months 4. Alliant credit union (not yet)- 0 apr and 0 fee for 12 months (afaik) Now lets discuss cards which have 0 apr but have 3-5% fees ( i havent used the below, also check ur credit ...Valero, a popular gas station chain across the United States, has recently launched a new credit card program. The Valero New Card is designed to offer customers more benefits and ...Credit Card Basics. Once a month, you'll get a statement that tells you how much you spent, how much you paid, a due date, the statement balance, and minimum payment. You should always pay, at minimum, the statement balance before the cutoff time of the due date (many lenders do not use midnight!). You can pay …These are the cards to have if you want free shipping at dozens of retailers. Update: Some offers mentioned below are no longer available. View the current offers here. Looking for...Valero, a popular gas station chain across the United States, has recently launched a new credit card program. The Valero New Card is designed to offer customers more benefits and ...Find out which credit cards Redditors recommend based on their own experiences and reviews. Compare the benefits, rewards, and drawbacks of seven …The card just adds a 1500 credit line to your amount of credit. Also, it reports 3% or less on your utilization. It building better credit for you by: 1) showing great payment history & 2) providing an additional amount of credit (1500/1000) to lower your credit utilization. You sit back and let it do it's work.

Learn from Reddit users how to use credit cards wisely and avoid common pitfalls. Find out the best starter cards, how to pay in full, keep your utilization low, and … The American Express Gold card is a good option if you can use their credits regularly ($10/mo for Uber/Uber Eats and $10/mo for Grubhub, Seamless, or a couple other restaurants.) Given that dining is your biggest category, getting 4x points (transferable to Delta) could be significantly useful. NNJ1978. • 4 yr. ago. Given the recency of your delinquencies the Open Sky card may be the best bet. Cap One is forgiving once you actually pay/settle the old cards. That said, while rebuilding your credit is important and can be done simultaneously while dealing with old issues, for many it's best if their main purpose in the meantime is to ...Instagram:https://instagram. where to watch chowderit's a 10 hair maskcold emailingwhere to watch raising hope 49$ PA and 8k points on sign up is shit. ANZ Frequent Flyer Platinum: Bonus 70,000 Qantas Points ($2,500 Spend in 3 Months), $0 Annual Fee First Year is currently the best card. The biggest hurdle will be your low income. Points per $ spend doesn't matter, the bonus points on sign up are the only thing worth it. movies about jesuslooking for a contractor Personal Finance. r/personalfinance creditcards. Credit and Credit/Debit Cards. Should I get a credit card? What credit card should I get? What type of credit card is right for …Sep 5, 2022 · The VentureX is better for a lot of people because the $300 travel credit and 10,000 point anniversary credit will pay for the annual fee. However, if you're an occasional traveler then the VentureX is probably not worth the annual fee and the Venture could be better. In my opinion, the Chase Sapphire Preferred is a … clubs in san juan puerto rico With so many new credit cards being released, the decision on which to choose almost always depends on two things: the issuer and reward. However, some customers do not even care a...Mar 27, 2021 · I use Capital One credit cards for both personal and business. They have a very inexpensive annual fee, I think like $95 and they have the most robust reward system. You can not only use it to cash in for rewards (travel, amazon, etc ) but you can travel and then use purchase eraser later. As long as you charge it to …May 13, 2020 · NNJ1978. • 4 yr. ago. Given the recency of your delinquencies the Open Sky card may be the best bet. Cap One is forgiving once you actually pay/settle the old cards. That said, while rebuilding your credit is important and can be done simultaneously while dealing with old issues, for many it's best if their …