- 94,032
- 33,069
- Joined
- Oct 24, 2010
Been strictly using mine a lot smh
Don't want someone to steal and use it. Y'all got me worried now
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
Been strictly using mine a lot smh
Don't want someone to steal and use it. Y'all got me worried now
$tacy
formerly willchamberlain
- 26,168
- 24,944
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- Nov 24, 2012
I'm about to apply for another card, any recommendations? 700 score and my of capital one served it's purpose but I'm ready for another joint.
- 5,365
- 2,121
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- Jun 30, 2012
In b4 somebody posts their Discover referral link. (I have one if you want it.)
Might be easier to post what exactly you're looking for in a card to get suggestions.
- 4,758
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- Nov 6, 2012
Personally , I use my charge card asa debit charge. It gives me protection and you have to pay in full every month. I get my points,protection, and I'm not overspending.
- 94,032
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- Oct 24, 2010
- 8,871
- 2,649
- Joined
- Aug 21, 2005
Theres no point in using a debit now if you have CCs. Just use them lik a debit and be disciplined like its your Debit and pay the CC off.
I only carry the Debit if I need cash from an ATM. Dassit
- 4,758
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- Nov 6, 2012
Right if you can't be disciplined use a charge card lol you really have no choice but to be disciplined.
- 2,631
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- Mar 31, 2006
Do you want points or cash back ?
Is it me or is citi not offering any kind of bonus for the citi premier card ?
- 21,698
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- Dec 19, 2006
smh Im worried too
- 21,698
- 7,579
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- Dec 19, 2006
what do you currently have fam?
you could hit that discover it or amex everyday cash
$tacy
chase has a new 1.5% cash back card on everything all the time
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- 8,871
- 2,649
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- Aug 21, 2005
Yep lol. Now that you guys explained the charge card I may dive into that next
- 14,173
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- Feb 4, 2012
Got offered 3k limit increase on the card i'm using the most.
Checked where i was with the points i accumulate on that card. About to get ~600$ off my next flight when i cash in my points.
Checked where i was with the points i accumulate on that card. About to get ~600$ off my next flight when i cash in my points.
- 21,698
- 7,579
- Joined
- Dec 19, 2006
you already getting that 1.5 on everything then
Discover has 5% on rotating categories quarterly and 1% everything else... last 3 months was travel and gas stations and this quarter is restaurant and movies. your fisrt year everything gonna be double cash back.
blue everyday amex has 3% on groceries 2% at gas stations and department stores and 1% everything else
EDIT: Discover will give you a transunion fico score and Amex will be a experian report every month
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- 3,667
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- Feb 29, 2008
Was it an auto cli or they gave you that as a result of a cli request?
- 63,609
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- May 23, 2005
Auto cli
- 4,758
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- Nov 6, 2012
Discover sent me an email saying I may be eligible for a CLI and I should apply lol never have I seen something like that. Offer ends 4/30 for me lol
- 21,698
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- Dec 19, 2006
just hit the cli increase button on your account and see. nothing to lose unless you give the consent for them to reconsider
- 21,698
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- Dec 19, 2006
damn $300? :x
- 9,018
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- Jan 4, 2014
Discover gave me a $500 auto cli a week or so ago. Then again I don't put a lot on the card & always pay off in full so I wouldn't expect a big increase
- 4,758
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- Nov 6, 2012
I'm hipp I've requested maybe 3 CLIs (softs) from them already. I've just never seen a CLI sent out as an offer lol. I'm about to hit the button, if it's not a soft I'll call tomorrow to cancel it.
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- 4,758
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- Nov 6, 2012
Cool got a 2K increase limit now at 12.5K. Want to get my Discover up to 20-25K , paying for my classes up front eats up my limit and utilization.
- 5,365
- 2,121
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- Jun 30, 2012
Just requested one myself and got bumped up to $20,200 from $13,700. Sweet.
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- 3,667
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- Feb 29, 2008
yea everybody with a discover card should hit the auto cli button at least every 90 days. Every 30 days if you want to since its a soft pull unless they notify you that they need a hard pull. And in that case you can cancel it. Discover has been handing clis out like candy i went up $8000 in 4 months all soft pulls
- 8,871
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- Aug 21, 2005
Damn thought I was going to get big bumps like you guys but I only got a $500 from $10,000 to $10,500 
Ill wait again in the next months
Ill wait again in the next months
