- 93,966
- 33,000
- Joined
- Oct 24, 2010
after like 6 years, discover finally gave me an increase!
$500....
$500....
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
- 8,307
- 6,933
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- Aug 22, 2012
How good is chase about letting you switch from preferred to saphire? I want that TSA precheck.
- 12,661
- 5,290
- Joined
- Jun 4, 2008
Now that I got all this credit and almost no balance, what am I supposed to do with it?
Worked hard for a couple years but I put myself in a decent spot.
I’m ready to cop these cribs.
Worked hard for a couple years but I put myself in a decent spot.
I’m ready to cop these cribs.
- 686
- 408
- Joined
- Sep 29, 2013
Really!? 6 years!? I woke up this morning to an email from Discovery letting me know that I got a CLI for $600 after like 5-6 months. Mind you, I only have the student card.after like 6 years, discover finally gave me an increase!
$500....
- 7,947
- 6,793
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- Jan 17, 2013
You know you can ask for one like every 60 days or somthin like that...after like 6 years, discover finally gave me an increase!
$500....
- 8,999
- 13,615
- Joined
- Jan 4, 2014
after like 6 years, discover finally gave me an increase!
$500....
They are so stingy man lol My other card stay throwing racks at me, meanwhile I've had my IT the longest and haven't had an increase since right after I opened the card a few years ago.
- 93,966
- 33,000
- Joined
- Oct 24, 2010
I did many times but now they finally did
- 5,233
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- Jul 31, 2012
Honestly if your income aint all that discover wont give you a CLI.
- 8,307
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- Aug 22, 2012
I keep hearing that but I don’t think it’s that simple...
For instance why did chase give me 25k Amex 30? And discover 5?
I think there are other factors at play like total credit across all cards, and maybe when you got the card in comparison to your other cards.
For instance why did chase give me 25k Amex 30? And discover 5?
I think there are other factors at play like total credit across all cards, and maybe when you got the card in comparison to your other cards.
- 912
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- Sep 23, 2012
Should be easy. If you do a product change, I don't think you're eligible for the bonus points tho.
- 912
- 456
- Joined
- Sep 23, 2012
Should be easy. If you do a product change, I don't think you're eligible for the bonus points tho.
- 93,966
- 33,000
- Joined
- Oct 24, 2010
my income is up there, they just been stingy. I complained about it for years
I mean I haven't had a balance on the card in a long time but that most likely doesn't play a part
- 8,307
- 6,933
- Joined
- Aug 22, 2012
I'd wait until after my bonus has been credited.
- 912
- 456
- Joined
- Sep 23, 2012
You'd have to open up a new card for the reserve to get the bonus. That means you'll have the preferred and the reserve. This wouldn't be considered switching/ a product change. You can easily do this if you're under the 5/24 rule.
If you do a product change and switch the preferred to a reserve, you would have 1 card, but won't be eligible for a bonus. The first option would be the best. Just cancel the preferred before the annual fee is charged again.
- 254
- 246
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- Nov 19, 2015
Pretty sure Chase updated their policy to only allow people one or the other when it comes to the Sapphire cards. Only possible route is doing a product change, but like others have said.. you won't get the signup bonus
- 2,413
- 3,498
- Joined
- Jan 4, 2004
My Girl canceled her Chase Preferred, and then applied for the Reserve. They told her she wouldn't be eligible for 24 months to get the reserve because it's the same "Sapphire Branding"
- 2,707
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- May 13, 2013
Would you guys recommend a secured card to build up the score or something like a quicksilver one card
- 2,648
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- Nov 9, 2011
if you can qualify for a regular card i'd prefer to do that than to use a secured card. why have them hold your money if you dont need them to? capital one has base cards with no cash back/bonuses meant for this purpose.
- 155,838
- 135,234
- Joined
- Oct 13, 2001
Also, Chase Saphire gives yuo a $300 travel credit each year. It works on local Subway systems as well.
Great perk
Great perk
- 44,261
- 65,638
- Joined
- Mar 24, 2001
Nobody here has business credit? If you want a bigger line that's an easy way to get it
- 1,603
- 392
- Joined
- Dec 26, 2008
Explain? I run a small business, set to expand soon. Have a business AMEX but the limit...
- 8,236
- 7,032
- Joined
- Aug 19, 2015
I got 100k Chase UR points by opening a business card. Chase Ink Preferred. Havent used it since I made the initial purchase for the points, but it actually has some decent benefits. I think it's 3x points for internet, cell phone (plus phone insurance), office related items.
- 2,413
- 3,498
- Joined
- Jan 4, 2004
I did the same, just put selling shoes on ebay as my "business".
Hit the 5K Spend, got the 80K point then closed out the card after 2 months.
- 1,603
- 392
- Joined
- Dec 26, 2008
I guess my business partner has to up his credit score. S-Corp doesn’t allow my to apply myself. Smh, with time.. I’ll apply early next year
cs02132
Supporter
- 12,641
- 12,909
- Joined
- Nov 1, 2007
Are you able to redeem Amex points for cash? Seems like you can but I just want to make sure. I remember a while back the only reason I don’t have an Amex card is because you can’t redeem for cash
If so I’m about to apply for this https://www.wellsfargo.com/credit-cards/propel/
The site says this so I’m assuming I can
If so I’m about to apply for this https://www.wellsfargo.com/credit-cards/propel/
The site says this so I’m assuming I can
