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Thread: Credit Card Questions
May 5th, 2008, 09:43 AM #1
Credit Card Questions
Hello everyone, since a lot of us are asking questions about credit cards on the review board, I think this will be a better place for us to share the info instead of mixing the two. It does not make a difference which credit card that you would like to discuss, all you have to do is click "Post Reply" and ask away. Please, please, try not to start a "New Topic" on a particular credit card because there are over 600 cards on Financial Globe, which will cause this Forum to go over-board. All you have to do is post here and watch the thread grow.
I see that a few postings are going to be removed from the review board, and YoYo11 had a question in regards to Orcahrd and how often do they post. YoYo11, Hjm331 could have never said it any better, Orchard is very slow with posting to our credit reports. I just took a look at my report and they have not posted for April 08', but I bet if I did not make a payment, they will probably have that posted by today and retro all the other months. They kill me with their reportings, I will be glad when I am able to give this card up.
Last edited by Meya; July 29th, 2008 at 08:38 PM.
May 5th, 2008, 11:37 AM #2
You're right Meya,,,,,i have another questions...if my brother gets a card in his name, and have me as a a/u ..will that benefit me? I know the new Fico 08 doesn't consider this anymore...just wondering
May 5th, 2008, 04:49 PM #3
NO, just go out and by yourself and that is for real. The AU thingy is not worth you being happy because you see your scores are going up and then take a hard impact when it is removed. I would just go for joint account instead. It is your best bet YoYo11.
May 8th, 2008, 06:49 PM #4Junior Member
- Join Date
- May 2008
Hi, I want to get a rewards card and I hear that American Express has the best. I am unsure which to apply for and when. I am looking at the American Express blue card and the AE Delta SkyMiles card.
Currently my scores are as follows:
I have 4 ccards and have paid all of them off except one which has $1,800 on a $11,400 CL.
I have one deliquency on EQ and EXP for Oct. '06 (which was my old Apartments fault but I can't get it changed), this doesn't show up on TU.
Besides that I think it is fine. My credit report hasn't been updated since Feb '08 so it is old. It says negatives for me using over 25% of my CL. But I have lowered that significantly.
I just want to know if I have a chance and for which one or both (I want the miles, but the blue has a promotion of 15 months w/no apr, or if I should wait. Thanks! :)
May 11th, 2008, 07:20 PM #5Origianlly posted by Adam in Reviews on 5/17/2008
May 11th, 2008, 09:47 PM #6
Asking for a CLI from AMEX nowadays is pointless because of the all the CLD's going on. It's better to use/sockdrawer the card until they decide to change their attitude.
May 11th, 2008, 09:59 PM #7
Thanks for responding to the question hjm331!
May 11th, 2008, 10:12 PM #8Origianlly posted by Debtor00 in credit card reviews on 5/10/08
May 14th, 2008, 07:01 AM #9Junior Member
- Join Date
- Oct 2007
JUST CURIOUS..WHAT DO YOU THINK THE BEST CARD W/ BOA IS??
May 14th, 2008, 09:38 AM #10Oirginally Posted by KellBell in Credit Reviews 5/14/2008
I plan on taking one of their tours to South America, but my credit limit will not suffice to finance the trip. Does anyone have a recommendation as to what I put in a grievance letter to up my limit so that I may receive a CLI?
Where do I send such grievances?
May 14th, 2008, 09:55 AM #11
Without Question it would be the BankAmericard! BOA gives generous CLI's with this card and the ability to rack up points is great! After that one it would be The World Points Platinum Mastercard, followed by the World Points Platinum Visa. Have the BankAmericard and had the WorldPoints Platinum Visa
May 14th, 2008, 12:45 PM #12
Your best bet at the moment is to apply for their regular store card and use it. Make your payments on time and ask to be converted in a year. If you like it so much, use it heavily so that increases your chances of being converted to the AMEX.
May 14th, 2008, 12:47 PM #13
I have the BofA AMEX and it's a pretty good. I'd say that the Americard is the best card not only for BofA but in the business right now because I don't see anyone giving 1.5 pts per dollar. That's the offer to beat right now. Of course, they give you 1.25 pts for every dollar and if you maintain a checking account with them, they increase your rewards by 25% every year which rewards you with 1.5 pts for every dollar spent.
May 17th, 2008, 06:20 PM #14Originally Posted: 17 May 2008 11:05 by Rickella
May 17th, 2008, 06:29 PM #15Originally posted by Alondra on 2008-05-17 12:59:11
By garydman in forum Credit CardsReplies: 13Last Post: April 16th, 2008, 05:01 PM