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post #6361 of 6526
Quote:
Originally Posted by FreshPairs View Post

What did everyone do with the cash back from discover after the 1st year? Is the gift card option the best todo since they add $5 or more?

Up to you. Just make sure if you get a gift card that it's worth it over cashback. I recently used a bunch of it on Staples GCs to buy computer parts. Got Staples to price match then used those 20% gift cards.
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post #6362 of 6526
Quote:
Originally Posted by blacktopking319 View Post

guys when will the bonus 50k for the CSR hit my ultimate rewards account? i hit the 4k spending on the 10th (posted on the 13th)....

 

Mine showed up as soon as I hit $4k. 

 

What does your UR points say right now?


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post #6363 of 6526
It will show in your next statement.
post #6364 of 6526
Got my 100k pimp.gif
post #6365 of 6526

Originally Posted by SolesFC View Post

 

Thinking of getting Chase Freedom Unlimited thoughts on it?

 

 

 

Quote:

Originally Posted by PrimeTimeBoy View Post
 


It's a solid card and Chase is a prime lender. If you prefer just a general spending card with simplicity and not  worrying about getting more points/cashback on specific categories (like gas, restaurant, supermarkets) and rather have a 1.5% cash back on everything then this card is for you. Also Chase Ultimate Rewards points are considered to be one of the better reward systems out there in terms of value. 

 

Another card to consider is the Cap 1 Quicksilver, it's exactly the same with 1.5% cash back everything, except I believe they post your cash back amount  faster and right after each posted transaction so you can see your cash back money pile up instantly as opposed to other cards which takes a Statement period or two to reflect your cash back. Also The quicksilver has no foreign transaction fee when you use it out of the country, I think the Freedom Unlimited doesn't have this benefit. 

1st question is if you are interested in points or cashback?

 

Chase freedom unlimited is only useful if you have a CSR/CSP to pair it with to utilize the chase UR portal x1.5.  By pairing, you can get 1.5x for non-category spend things that aren't restaurants/travel etc. But if you have it by itself, it's a nice starter card, but to use it to it's full potential, you need to pair it with the CSR/CSP.

 

 

Doesn't the quicksilver have a annual fee of $39? If that's the case, then there is a break even point for the card which makes it useless unless you spend a certain amount of money.

 

 

If you want just straight cash back for everyday purchases and aren't interesed in points, the Citi Double Cash is a flat 2% without annual fee. Also the Fidelity Visa is a no-annual fee 2% cash back visa. 

 

Even the discover it has a double cash back for the first year, and is a good starter card with categories.

post #6366 of 6526
Quote:
Originally Posted by RBK93 View Post

How long does it usually take for your credit line to go back up after making a payment(Capital One Secured Card)?
For me, if a make a payment on a Monday. It will show available on the next business day.
Also ifeatures I post date it, say itsomething Monday and I have them take money out on the coming friday, it will become available that Saturday to use.
post #6367 of 6526
Quote:
Originally Posted by somecallmejon View Post
 

1st question is if you are interested in points or cashback?

 

Chase freedom unlimited is only useful if you have a CSR/CSP to pair it with to utilize the chase UR portal x1.5.  By pairing, you can get 1.5x for non-category spend things that aren't restaurants/travel etc. But if you have it by itself, it's a nice starter card, but to use it to it's full potential, you need to pair it with the CSR/CSP.

 

 

Doesn't the quicksilver have a annual fee of $39? If that's the case, then there is a break even point for the card which makes it useless unless you spend a certain amount of money.

 

 

If you want just straight cash back for everyday purchases and aren't interesed in points, the Citi Double Cash is a flat 2% without annual fee. Also the Fidelity Visa is a no-annual fee 2% cash back visa. 

 

Even the discover it has a double cash back for the first year, and is a good starter card with categories.

I want points more than cashback. Friend of mine has Chase freedom and ended up going out the country for free due to his points. 

I want a card that does something like that. 

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post #6368 of 6526
Quote:
Originally Posted by SolesFC View Post

I want points more than cashback. Friend of mine has Chase freedom and ended up going out the country for free due to his points. 
I want a card that does something like that. 

He must also have the chase sapphire rewards or sapphire reserve. Because the freedom by itself is just a cashback card. But he could have paired it with the sapphire and converted his freedom cashback to ultimate rewards points
post #6369 of 6526
Quote:
Originally Posted by DaComeUP View Post

Got my 100k pimp.gif


^^ Same here I already used 20K for a flight to Ecuador to visit my college friend memorial day weekend. Flight came out to $120 for two people roundtrip after the miles. Great deal, because normally that flight is about $600.
post #6370 of 6526
My score is 710 without any usage. (All cards paid)

710 still seems low tho

What else can I do to get a higher score?

Or do I just wait it out.
post #6371 of 6526
Quote:
Originally Posted by DatZNasty View Post

Should I just pay the $153 to get it marked paid or let the experian/transunion dispute play out? The collector has said they wont delete it though

Just let the dispute play out, you can always pay the fee after and you might not even have to if it turns out to be an error. Someone else could better explain to you the benefits of paying off a collection account
post #6372 of 6526
Quote:
Originally Posted by zunigrp View Post

My score is 710 without any usage. (All cards paid)

710 still seems low tho

What else can I do to get a higher score?

Or do I just wait it out.

You can raise all your credit limits by requesting credit limit increase for all your cards

post #6373 of 6526
Quote:
Originally Posted by zunigrp View Post

My score is 710 without any usage. (All cards paid)

710 still seems low tho

What else can I do to get a higher score?

Or do I just wait it out.

Always let one CC report a balance of less than 9%.
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post #6374 of 6526

Anybody else pay their card in full the second its posted? 

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post #6375 of 6526
Quote:
Originally Posted by SolesFC View Post

Anybody else pay their card in full the second its posted? 

Thought pretty much everyone does this
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post #6376 of 6526
Quote:
Originally Posted by SolesFC View Post
 

Anybody else pay their card in full the second its posted? 

 

I pay mine in full every month, but not the second it is posted. 

 

Why pay it before the due date?  


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- ^^ will trade green or white stripe v2 towards either ^^

 

Anyone want my DS sz9 Night Cargos or sz9 Oreo UBs?  

 

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Looking for Yeezy v2 Beluga or Breds - Size 9

 

- ^^ will trade green or white stripe v2 towards either ^^

 

Anyone want my DS sz9 Night Cargos or sz9 Oreo UBs?  

 

WTT my Space Jam sz9.5 for...

Reply
post #6377 of 6526
Quote:
Originally Posted by turbospartan View Post

Quote:
Originally Posted by SolesFC View Post

 
Anybody else pay their card in full the second its posted? 

I pay mine in full every month, but not the second it is posted. 

Why pay it before the due date?  


I don't pay the second it's posted either, but I do it whenever I get the opportunity just so I can get it out of the way.

I sync all of my cards to the same statement end date so that if I do one, I can do all of the others as well.
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post #6378 of 6526
I pay my cards on the 15tht and the 30th when i get paid.

I clear all my cards when i get paid regardless of the due date
post #6379 of 6526
I don't pay the second it hits laugh.gif. Discover won't even allow me to. I just only spend what I have and pay it all at the end of the month or top
post #6380 of 6526
Quote:
Originally Posted by SolesFC View Post
 

Anybody else pay their card in full the second its posted? 


What's the purpose of this?

 

I just pay before the due date and make sure that I report a $0 balance.

post #6381 of 6526
Quote:
Originally Posted by Slighted View Post
 


What's the purpose of this?

 

I just pay before the due date and make sure that I report a $0 balance.

0 purpose , most likely a personal thing.

post #6382 of 6526
Usually pay the same day the statement is generated

Don't see why paying the second you use it makes a differences because I don't think it does
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post #6383 of 6526

​So I applied for a Venture Reward card and was approved a week ago, so today I tried to apply for the Capitol One 'Quicksilver' card and I was denied! my credit score is in the  800's, why would they deny me? Is it because I applied and just got a CC from them about a week ago? This would have been my 3 CC from CapitolOne.

post #6384 of 6526
Cap1 saving you from yourself with those weak cards
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post #6385 of 6526
Quote:
Originally Posted by Based Mod View Post

Cap1 saving you from yourself with those weak cards


​how are they weak?

post #6386 of 6526
Statement just cut, I have $313 in cash back match on my discover, def not gonna reach $500 by July. Really played my self laugh.gif I only used it sparingly up until January when I made it my primary card. $100 of that is referral money, 2 more refs would be nice nerd.gifnerd.gif

After my matching period is up I'm gonna apply for the chase freedom unlimited and get that $150. After that I'm either gonna be done with the cash back game and start building up travel rewards, or just go back to my bofa card
post #6387 of 6526
I'm barely cracking $200 on my Discover card and my year is up next month smh.
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post #6388 of 6526

quick question... this might sound stupid but lets say im $500 in debt and the minimum amount due is $25 by the end of the month.

If I pay that $25, then will be credit go up or down? Do I have to pay the whole $500?

 

also, just curious.. what % of your paycheck do you guys put into your savings after taxes? 8o

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post #6389 of 6526


​I usually put 6% in my retirement fund, then invest the about 40-50%, and the rest I use to pay expenses.

post #6390 of 6526
Can we talk about investments..Right now I'm just using acorns which is pretty much a glorified savings account. Haven't seen much of a return but then again I haven't put much into it
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