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Is a home an asset? Because owning one does increase your cs
Having an open mortgage increases your credit score. Once it's paid off it won't do anything for your score.
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Is a home an asset? Because owning one does increase your cs
Are you guys disputing through the CK app? Dont see the option
Just finished speaking with my Chase Private Client Banker and he told me that Chase Freedom's 5% bonus categories will be going away by the end of the year and will turn into the Chase Freedom Unlimited(1.5% back on everything).
I am flaring this as chatter for now, but I have known my banker for 4 years and trust the information he gives me. I am curious if anyone else with Chase insider information can confirm..
Am I late? Not sure of credibility, but it's currently being discussed on reddit
I actually prefer that. I was going to call chase and ask them if I could freely switch to to 1.5%. I use my credit card for EVERYTHING regardless of the bonus periods or not, so this benefits me.
I see. I have the derogatory for both transition and Equifax, I tried the Direct dispute the other day, I'll see how that goes, then if it works for Transunion, it looks like I have to do a separate dispute on the Equifax website.So the derogatory was only showing up in my report for Transunion but not Equifax, so my equifax FICO 8 score via my amex card was already at the 740ish range. The transunion was the issue. All I did was the direct dispute button on Credit Karma and that's it. Within 3 days I got an email saying the dispute was settled, please log in to view the result. When I logged in, it said they agreed to delete the derogatory and my score shot up on credit karma as well. Hope that helps
Credit Karma-->login-->Credit Reports-->"go to TransUnion credit report" (under your credit score in big numbers-->Go to your missed payment/derogatory--> scroll down, "Direct dispute". Bout' 5 more clicks and derogatory is disputed for freeAre you guys disputing through the CK app? Dont see the option
My fiancée works for Chase so I'd have to confirm this with her but my initial thought is no, it's not. They have a revolving 5% on quarterly categories and 1% back on anything else that doesn't fall in. My freedom card is basically used for gas and my revolving bills. That 1st quarter every year is always nice to me.Am I late? Not sure of credibility, but it's currently being discussed on reddit
It gives you more purchasing power without making it look like credit abuse. Many lenders don't want to see that you've used more than 50% of your credit limit when you're looking to buy a home. More than 80% usage affects your credit negatively.
Another positive is the ability to consolidate multiple credit card debts into one monthly payment. Often times the card with the higher limit has the lower interest rate.
This might be what matters in my next card.
I currently have the og chase freedom (2200 cl) and citi simplicity(2400 cl).
I don't think it'll be worth the hard pulls to try for cli on chase and don't know there specifics of the citi card. If chase nixes the 5% categories then I might consider a new cash back card.
So the choices are
Discover IT or AMEX blue cash
I just recently (January) transferred my balance from chase to citi when I opened the card for the 0% interest period.
I'm working on moving out (rent) in the next 6 months so that might factor into my decision.
Im currently using the chase to pay bills but figure the new card may have better rewards for that purpose and can retire the chase as it's my oldest.
Is AMEX half as generous with the CLIs as discover?
Only reason why I will be adding an AMEX CC one day 3x CLI is dope.Amex is better with CLIs honestly. 3x CLI after the first 60 days then you can get another 6 months after your last CLI. so if you start out with $4,000 limit you can get it to $36,000 if you wanted in 8 months.
Actually just realized I've never done a CLI request for my Amex. Saw that they will require income verification (IRS 4506T form) if you request over $34,500. I requested just that and got it
So heres a update on my credit situation. Started out with a 540 last August. I got the Capital One secured credit card and put $250 on it. Used it a good bit and made multiple payments per month while keeping a balance each month. In December, I applied for the Quicksilver card and got approved for a $500 limit. I also got approved for the walmart, old navy, and pacsun cards in the same time frame. In February, i got approved for a auto loan through Capital One (although my interest was 21% but can easily make my payments each month). I've been paying my note on time and am ahead a half payment. I went to Vegas for memorial day weekend, and asked Capital One for a credit limit increase on my Quicksilver card. They gave me a $1k credit limit increase! Now my limit on the quicksilver is $1500 and on the secured card its $550 (they gave me a $300 credit limit increase a few months ago. I heard they barely give them on secured cards). I'm really pleased because i honestly thought I would never be able to have credit again