Credit card reddit.

InvestorPlace - Stock Market News, Stock Advice & Trading Tips If you think Reddit is only a social media network, you’ve missed one of... InvestorPlace - Stock Market N... The US Bank Altitude Reserve will give you 1.5¢ per point on travel purchase period (you can use 3rd party sites, get better deals on flights). But it’s not always certain. Someone else can talk about the nuance with that. So from the major banks, 1.5¢ is close to the best as you’ll get. Feb 13, 2023 · Will probably get a third this year. Capital One Spark - 2x back on every purchase. Great secondary card for everything else. But reports to personal credit. Chase Ink Premier - 2.5% back on large purchases (over $5k) and …A lot of them are part of credit card theft scams. They tell you that you'll be part of a package delivery network or something and you get paid to have packages sent to you, and then send them off somewhere else.Mar 12, 2024 · The American Express Blue Business Cash™ Card (terms apply, see rates & fees) is a set-it-and-forget-it business credit card that lets you earn rewards without an annual fee. Consider this card ...

Yes. First of all the more cards you have, the less it will hurt your average age of accounts later down the road if you get a new one. Secondly, it will increase your overall available credit. If you have 1 card with a limit of 5,000 and use 1,000 of …Sep 22, 2021 · CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, …Apr 23, 2022 · There are no "deals", no cashback, no free insurance here. In reality, this "free stuff" is paid for by the credit card user themselves, through relatively large merchant fees - or as another way of looking at it, wealthy people with good cards are taking money from hands of less well off people who don't get credit card benefits but still have to …

Summary of changes from last time: Added newly released cards (Venture X, Hyatt Biz). Also added Citi Custom Cash (good way to get TYPs without resetting the 24-month clock -- thanks to u/garettg for the idea!), SoFi 2% card (could be a good option due to no-FTFs and no minimum redemption -- thanks to u/mreed911 for the idea!), and Wyndham Biz (since it was at a high bonus last summer ...

The American Express Gold card is a good option if you can use their credits regularly ($10/mo for Uber/Uber Eats and $10/mo for Grubhub, Seamless, or a couple other restaurants.) Given that dining is your biggest category, getting 4x points (transferable to Delta) could be significantly useful.This is a flowchart originally created to answer most of the questions I see repeated week after week in the What Card weekly thread. It has been updated as of 12/10/2020. An image of the flowchart is available here! And an HTML version of the flowchart is available here! (The HTML version is best viewed in Google Chrome.)Dec 9, 2023 ... Yes as long as you know your spending limit. Discipline would definitely be key in using your cc. There was a time before that I stopped using ...What they do is only really sell 10+ cards at a time for about $50 each, and they usually enclose the cards in a box (about the size of a stack of paper) and mark it as "confidential" or "business papers"with a fake business name as the sender which is a green flag at the USPS since it could mean new secret technological discovery, and if they ...

Otherwise, the Barclays and Citi AA business cards are solid. Citi's card is 65k miles/$4k spend with a waived 1st year fee; Barclays is tiered - 50k miles/$1k spend in 90 days + an additional 30k miles for an additional $5k spend in the 1st year, 1st year fee not waived. wasabi_21 • 2 yr. ago. Thank you for this thorough breakdown.

A secured credit card is just like a regular credit card, but it requires a cash security deposit, which acts as collateral for the credit limit. This type of credit card is backed...

Finally, avoid the following credit card companies: Credit One, First Premiere, Milestone, Indigo, Fingerhut. A good rule of thumb is if they have a range for the annual fee, avoid them. These banks prey on low scores by charging fees for nearly everything, holding payments for 5+ days, or even an "application processing" or "account opening" fee. USAA. In 1922, when 25 Army officers met in San Antonio, Texas, and decided to insure each other's vehicles, they could not have imagined that their tiny organization would one day serve over 8 million members and become one of the only fully integrated financial services companies in America. We believe they would be pleased to know that USAA ...Help!!! : r/Debt. Credit card hardship program or not pay my CC bills or other?! Help!!! My credit card bills are eating me alive. Currently, my partner and I have 25K in debt. …Help!!! : r/Debt. Credit card hardship program or not pay my CC bills or other?! Help!!! My credit card bills are eating me alive. Currently, my partner and I have 25K in debt. …Aug 4, 2022 · Hello. I am looking to take every expense in my life and route it through a cash back card, for the cash back and the credit score. Someone suggested a 2.5% one from alliant, and someone has spoken of a 2% Wells Fargo. Would love to get the opinion of the credit card separate it on this. GadgetronRatchet. •. It you are an Amazon Prime member, and pay for prime, and you do not intend to cancel your prime account any time soon. The Amazon Prime Credit card is an absolute no brainer, it's essentially a no annual fee card that earns 5% back on Amazon. Reply reply. Feb 27, 2024 · United isn’t the only airline with a no-annual-fee card, but it’s the best no-annual-fee airline offering. The United Gateway℠ Card * provides a few valuable benefits when a cardholder flies ...

If you are scared to get your cards info stolen, swipe your card, put your pin... as soon as you press "OK" and it says "Please wait", push a lot of buttons randomly. By doing so, the guy with the bluetooth will retrieve something like pin: 203301928301820198230813. Most of them don't even check for the "OK" buttons.Not always, many companies will withdraw 1-3 dollars then replace it to make sure there is money in the account. Just put 5$ on the card.. Usually they will pre-auth $1 or so and then just never complete the charge. But you do need the credit for it, and it will affect your available balance until it's dropped.Mar 8, 2024 · We came across very few instances of the profane or hyperbolic language so prevalent on today’s social media platforms. The following credit cards received favorable comments from Redditors. 1. Bank of America® Customized Cash Rewards credit card. at Bank Of America’s secure website. Find out which credit cards Redditors recommend based on their own experiences and reviews. Compare the benefits, rewards, and drawbacks of seven …5 credit card applications/new credit cards in the last 24 months. New cards over 24 months. New applications may just mean inqs, and inqs are irrelevant to 5/24. The flowchart (and basically everything in r/churning) ignores APR. This is really helpful.

Focusing on having an effective cashback of 4% or greater across all expenses: Citi Custom Cash 5% cashback, dining. Amex Blue Cash Preferred 6% cashback, groceries and streaming. Citi Costco 4% cashback, Gasoline. US Bank Cash+ 5% cashback, Wireless and Internet. Chase Amazon 5% cashback, Amazon.

I agree I save more money with Amex, on average, but I don't find Chase offers useless. Some of the ones I found worthwhile recently: 15% off at Hyatt Place/House, (capped at around $38, I think), Marriott (high cap, $85). 10% Back at Amtrak (capped at $9). 20% back at Quill (capped at $50. Sep 21, 2022 · The card can do up to 3% and has some other account bonuses. ApprehensiveRip9624. This is a good no frills no AF credit card. If you are a person who does not want to deal with categories, invests with Fidelity, and travel/airline/hotel rewards are of lesser value, this card is for you.Learn the basics of credit, credit cards, and credit scores from a personal finance subreddit. Find out how to use credit responsibly, avoid interest and debt, and improve … Ex. BOA customized cash rewards set to online purchases - 5.25% on online purchases, 3.5% on groceries ($2500 quarterly cap) BOA premium rewards - 3.5% on travel/entertainment, 2.625% on everything else. If you can't recoup the AF via the credits, then instead use their Unlimited Cash Rewards card - 2.625% on everything. I use Capital One credit cards for both personal and business. They have a very inexpensive annual fee, I think like $95 and they have the most robust reward system. You can not only use it to cash in for rewards (travel, amazon, etc ) but you can travel and then use purchase eraser later. As long as you charge it to your Capital One card you ...Not a big repost complainer but this "credit card" usually makes it to the front page of r/funny once a month with the same comments "lol dude you left your info on it" and "that's copyright infringement they won't let you that. i'm getting internet old, apparently. Reply reply.Best Offers. Travel and Airlines. 0% APR. Balance Transfer. Cash Back. Rewards. Student. Bad Credit. Best Travel Rewards Credit Cards of 2024. Best Entry …Nov 11, 2023 ... ... credit card again until the credit line is paid off. Bank credit lines usually charge half the interest of a credit card. ... Meta/Reddit Website ...1st card: RCBC, 40k, requested for CL increase after a year; no response yet. 2nd card: Citi - 40k, requested for CL increase immediately after receiving card; now at 80k. 1. MongBurKen. • 1 yr. ago. 1st cc is BPI, credit limit from 40k to 85k after almost a year. 2nd cc is Citi, credit limit from 30k to 42k.

5 credit card applications/new credit cards in the last 24 months. New cards over 24 months. New applications may just mean inqs, and inqs are irrelevant to 5/24. The flowchart (and basically everything in r/churning) ignores APR. This is really helpful.

Jun 26, 2020 · Card: BDO Shopmore (all around in every sm malls if you are a frequent sm shopper) Forever 21 Mastercard. Bench Mastercard. Both of the forever21 and bench mastercard are good shopping cards on their own right but the promos are limited in those two stores only. Unless you frequent those two stores, my vote still goes to Shopmore.

It's charge card limit v. credit card. I guess the point I should highlight is that Amex is easier to replenish after 5/24. Chase will somewhat bound you to velocity, esp early on. There are also perks grocery stores provide that office may not. Again, highly dependent on the person, their geography, and the options they have.Feb 7, 2020 · Rewards Rate. The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. Its limited-time offering of 10% cash back for Uber and Uber Eats ...Aug 4, 2022 · CSR does not. 3. The benefits are nearly identical to CSP. (CSR does have slightly better travel benefits and purchase purchase protection, which is actually the strongest reason I have found to get the card.) 4. CSR does redeem at cash at a high rate (50 vs 25 bonus). So if cash is the goal--that makes sense.Any debit card should be halal. If ur talking about financing, there are a lot of credit card providers that offer 0% APR for first 12 months. Unfortunately, pretty much all credit card providers will charge you interest if you’re late on payments so make sure to pay them on time.Feb 20, 2022 · Late to the party here, but if I have a non secured Discover It Student Card, then this would not apply to me, correct? I assume my next step with Discover would be a credit line increase request. I’m 4 months in, have kept revolving credit between $60 and $600 (learned recently to keep it lower or pay it down lower before the statement comes …In the market for a new credit card? Now there are plenty of choices when it comes to the best credit cards for rewards, especially regarding cashback offerings. Credit card reward...Two Reddit favorites for travel credit cards, for example, are the Chase Sapphire Preferred and the Chase Sapphire Reserve, while some of Reddit’s most …Jul 17, 2021 · 5 hacks I learned from Reddit that helped me save $2,500 with very little effort. ... and advice that can help me pay off credit card debt, save more cash, fund my retirement accounts, and invest ... Dec 25, 2023 ... When you use a credit card, you are essentially borrowing money that you will have to pay back later, usually with interest. Credit cards can be ...Nov 9, 2021 · Edit to add: it also doesn’t help that my parents never taught me about money, credit cards, budgeting, anything. They declared bankruptcy about 10 years ago due to the housing market crash (they both worked in that market and it hit them super hard). Their only advice about credit cards was “never get one.” So I had to learn the hard way.Mar 8, 2023 ... This card is pretty OP. It's basically a 4.5% “unlimited” cash back card with an effective $75 (if you're a number cruncher, it's closer to $60) .....You can view your credit card balance online on the card issuer’s website, on phone or email through a text message, or on an automated teller machine, according to Investopedia. Y...

Finance experts often recommend getting a credit card to improve your credit score. In some cases, that’s not such bad advice. Around 10% of your credit score is based on your cred...Discussion. I wanted to share this chart I made for others who may also be interested in comparing Cash Back credit cards as of Dec. 2021. These are the top 4 I've been …You can view your credit card balance online on the card issuer’s website, on phone or email through a text message, or on an automated teller machine, according to Investopedia. Y... Posts about deposit accounts, personal loans, credit card limit to cash loan offers (excluding cash advance), e-wallets (GCash/Maya) and e-wallet loans (GCredit, Maya Credit, SPayLater, CIMB Revi Credit, etc), bank debts, are NOT allowed. For app-related and accounts inquiry, you may call your bank hotline. Instagram:https://instagram. sticker shops near meis virgin atlantic a good airlinewhats the meaning of lifebraver than you think quote Nov 25, 2021 · Having multiple cards lessens the blow if you miss a payment. It would take a single card holder 100 months to reach that level of defense. Another thing is utilization. It would take a long time to use your credit to its full advantage if you had 1 card at $1,000 limit vs multiple cards with a collective high limit. spectrum tv costbest anime website Whether you are looking to apply for a new credit card or are just starting out, there are a few things to know beforehand. Depending on the individual and the amount of research d... clubs in memphis tn Jul 17, 2021 · 5 hacks I learned from Reddit that helped me save $2,500 with very little effort. ... tips, and advice that can help me pay off credit card debt, save more cash, fund my retirement accounts, and ...Nov 11, 2023 ... ... credit card again until the credit line is paid off. Bank credit lines usually charge half the interest of a credit card. ... Meta/Reddit Website ...