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Don't pay for **** until you get everything in writing.School me then.
You're gonna pay, then they're gonna disappear without ever doing anything to your credit.
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Don't pay for **** until you get everything in writing.School me then.
If you try that Visa Gift Card jig, start small to make sure it works. Some people buy the gift cards, then use the gift card to buy Money Orders, then deposit the Money Order into their bank account to then pay their credit card bill.
For everyone with Chase Sapphire Reserve: Is there an easy way to hit the 4k in 3 months limit? I've heard of people purchasing Visa Debit Gift cards and transferring the cash to someone with Venmo.... anyone know if this is a possibility?
If you try that Visa Gift Card jig, start small to make sure it works. Some people buy the gift cards, then use the gift card to buy Money Orders, then deposit the Money Order into their bank account to then pay their credit card bill.
Other options include:
- Paying rent/mortgage via plastiq.com - they charge 2.5% I think, but easy way to hit that $4k limit.
- Pre-pay your auto/renter's insurance for 6month to a whole year, instead of monthly payments (if you ever cancel, they will pro-rate your refund)
- Buy gift cards to places that you would go to eat / shop at anyway. Example: Go to Kroger and buy $500 Kroger gift card, then just use the gift card to pay for groceries. Or buy Nike / BestBuy / restaurants / whatever you would already spend money on gift cards
If you try that Visa Gift Card jig, start small to make sure it works. Some people buy the gift cards, then use the gift card to buy Money Orders, then deposit the Money Order into their bank account to then pay their credit card bill.
Other options include:
- Paying rent/mortgage via plastiq.com - they charge 2.5% I think, but easy way to hit that $4k limit.
- Pre-pay your auto/renter's insurance for 6month to a whole year, instead of monthly payments (if you ever cancel, they will pro-rate your refund)
- Buy gift cards to places that you would go to eat / shop at anyway. Example: Go to Kroger and buy $500 Kroger gift card, then just use the gift card to pay for groceries. Or buy Nike / BestBuy / restaurants / whatever you would already spend money on gift cards
First time hearing of that Money Order thing but couldn't you just abuse use this to run your credit card to gain points?
If you try that Visa Gift Card jig, start small to make sure it works. Some people buy the gift cards, then use the gift card to buy Money Orders, then deposit the Money Order into their bank account to then pay their credit card bill.
Other options include:
- Paying rent/mortgage via plastiq.com - they charge 2.5% I think, but easy way to hit that $4k limit.
- Pre-pay your auto/renter's insurance for 6month to a whole year, instead of monthly payments (if you ever cancel, they will pro-rate your refund)
- Buy gift cards to places that you would go to eat / shop at anyway. Example: Go to Kroger and buy $500 Kroger gift card, then just use the gift card to pay for groceries. Or buy Nike / BestBuy / restaurants / whatever you would already spend money on gift cards
First time hearing of that Money Order thing but couldn't you just abuse use this to run your credit card to gain points?
If you try that Visa Gift Card jig, start small to make sure it works. Some people buy the gift cards, then use the gift card to buy Money Orders, then deposit the Money Order into their bank account to then pay their credit card bill.
Other options include:
- Paying rent/mortgage via plastiq.com - they charge 2.5% I think, but easy way to hit that $4k limit.
- Pre-pay your auto/renter's insurance for 6month to a whole year, instead of monthly payments (if you ever cancel, they will pro-rate your refund)
- Buy gift cards to places that you would go to eat / shop at anyway. Example: Go to Kroger and buy $500 Kroger gift card, then just use the gift card to pay for groceries. Or buy Nike / BestBuy / restaurants / whatever you would already spend money on gift cards
First time hearing of that Money Order thing but couldn't you just abuse use this to run your credit card to gain points?
You could but I'm sure the CC company would notice but I could be wrong
Discover has free FICO scoreAlso considering it's a new year where can we go to review our credit scores for free, for some reason Citi's credit wise app keeps telling me i'm still establishing credit and won't pull anything up.
Discover has free FICO score
Pros -- fewer cards with higher credit limitsAight fellas, looking for advice.
I currently have three credit cards with chase. The latest one being the sapphire reserve with over 10K credit limit.
The other two having a limit of 3k.
The question is do I consolidate the free cards and just go with the sapphire reserve and get the higher limit on that?
The two cards I would be closing are the older cards of the three.
What are the pros and cons to doing this?
Aight fellas, looking for advice.
I currently have three credit cards with chase. The latest one being the sapphire reserve with over 10K credit limit.
The other two having a limit of 3k.
The question is do I consolidate the free cards and just go with the sapphire reserve and get the higher limit on that?
The two cards I would be closing are the older cards of the three.
What are the pros and cons to doing this?
Paying off debt doesn't really do anything for your score
Y'all better lee him lone.Word?Paying off debt doesn't really do anything for your score
Keep the older ones open, as "oldest line of credit" impacts your credit score. Just throw them in your desk drawer or something, never to use again (unless needed). You could charge something to them infrequently, just so some activity stays alive but I don't think this is 100% needed.Aight fellas, looking for advice.
I currently have three credit cards with chase. The latest one being the sapphire reserve with over 10K credit limit.
The other two having a limit of 3k.
The question is do I consolidate the free cards and just go with the sapphire reserve and get the higher limit on that?
The two cards I would be closing are the older cards of the three.
What are the pros and cons to doing this?
I mean am I wrong tho? Once your **** goes to collections it stays on your record unless you get them to delete it
Lot of people do it every single day.First time hearing of that Money Order thing but couldn't you just abuse use this to run your credit card to gain points?