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I was thinking about applying for an AMEX card to run the gamut so to speak. I have Visa/Mastercard and Discover already.
24 Looking to build Credit... What are some good tips on your first Credit Card
- Thread in 'General' Thread starter Started by trynafeelmink,
- Start date
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Different scoring model if I remember correctly.
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Fico is ur middle score from the three credit repositories..so whichever credit report u are using that would be ur fico..
so with different reports..ur fico will most likely change..credit reports are good for 90 days..realistically..ur credit score fluctuates all the time
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He's talking about the scoring model. There are many different FICO scoring models.
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Same here, I want to apply just to say i have an amex but perks kinda suck.
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- 93,962
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Amex is trash (charge card wise)
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How? Lol PRG isn't bad at all.
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I won't get into it but I made a purchase and got screwed over and Amex screwed me over even with photographic proof and etc
About to cancel it soon so don't mind me
About to cancel it soon so don't mind me
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Best advice for everyone. Just because people are saying something is good, that does not mean that it is good for you.
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Thats a fact
Majorbread
formerly 40inchboost
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Does anyone else think this is a crock of ****? A single credit score is enough of a black box as is, why they make even more complex with different scoring models and not really knowing which bank or CC is using which model for what?
How can they make such a lack of transparency? Or am I missing something?
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Its complete BS . I know my car and mortgage scores are way lower than my CC scores .
These scoring models are why some banks are harder to get approved for. Pen Fed and USAA for example.
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I just got my CSR in the mail. It came in a regular envelope instead of a box like this:
I guess it was the cost of having it expedited
I guess it was the cost of having it expedited
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I just got my CSR in the mail. It came in a regular envelope instead of a box like this:
I guess it was the cost of having it expedited
It looks nice, but the box was going to be thrown under my bed so I didn't even care. I'd rather have the extra few days to put money on it. I have family coming into town so I know it's going to get some burn this weekend.
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for the $150 bonus when you spend over $500 in 3 months, do you need to pay off the balance or wait for the 3 months to claim it?
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Every sign up bonus I've ever got hit as soon as I hit the spend requirement.
cs02132
Supporter
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Yup. I just want the chase card for the $175 and then I'm back to using my bofa card
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How does the "available as cash" work exactly with CCs?
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I believe out of your total credit line, said amount is available for a cash advance.
lightweight champion
Banned
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Depends on who the creditor is. I work for a CU and 100% of the credit line is available for a cash advance. Unlike other creditors we do not charge 20-25% for the cash advances either but rather a $5 transaction fee for the cash advance.
Banks like Chase and BofA will charge 20-25% of the cash advance and have a separate interest rate you pay on the cash advance aside from the balance you already owe, it could 29.99%
Cash advances can be the devil. Beware.
Banks like Chase and BofA will charge 20-25% of the cash advance and have a separate interest rate you pay on the cash advance aside from the balance you already owe, it could 29.99%
Cash advances can be the devil. Beware.
lightweight champion
Banned
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You do not. Once you spend the $500 the reward becomes redeemable.
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- Mar 5, 2005
I love my amex blue everyday card. 3% on all groceries and 2% on gas. Just got a promotion last week also for 10% cash back on gas until I hit $250 spent. Basically a free $25 for gas. If anyone wants a referral for the $50 let me know and I can hook you up.
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Let me get that plz
vtotheinay
vtotheinay
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Whoa how did you get that 10% on gas? I've got a blue cash everyday too
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