- 1,728
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- Aug 8, 2005
wow. what a huge mistake. the bonus is only 50,000 points online. It's 100,000 in-branch.
you should've called the reconsideration line.
wow. |I
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
wow. what a huge mistake. the bonus is only 50,000 points online. It's 100,000 in-branch.
you should've called the reconsideration line.
wow. |I
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- Apr 27, 2009
signed up for CSR last fall
So far I got the 100000 (used about 40000 in flights already), 600 travel cost back (Uber, metro, flight), global entry and used airport lounges in MIA.
If anything else, the card has for sure motivated me to take more trips, and not a single regret. Not really sure what that says about me...
So far I got the 100000 (used about 40000 in flights already), 600 travel cost back (Uber, metro, flight), global entry and used airport lounges in MIA.
If anything else, the card has for sure motivated me to take more trips, and not a single regret. Not really sure what that says about me...
- 10,915
- 2,735
- Joined
- Apr 30, 2011
Flourish papi.
For the longest, the only states I'd ever been to were Nevada & Hawaii. Then NY. Then WA. Then AZ & UT. Then CO & OR. Then TX & LA. All those in the last 4 years or so.
Go explore. Wish I could take more time off to spend weeks in a different country, but for now, the US is so rich in travel locations that the little extended weekends are already awesome.
- 2,797
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- Aug 9, 2012
Do you get your monthly finance charge by:
Dividing your apr by 365. And then multiplying that result by your balance amount?
Dividing your apr by 365. And then multiplying that result by your balance amount?
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antidope
Supporter
- 62,397
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- Jan 2, 2012
I'm just looking for some clarity on something. I have a card issued in my little brothers name as an authorized user (he's 14) is this going to help him establish a credit history if he starts using the card (or if I use it) or no? I'm getting conflicting answers via Google.
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- Nov 6, 2012
I believe it depends on the credit card company. Companies have gotten smart and some don't count authorized user activity. See if you can open a secured card for him. Minimum age might be 18 I'm not sure.
- 2,631
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- Mar 31, 2006
I applied for the CSR in branch yesterday and got a pending decision. I was declined right away 2 months ago. I called the reconsideration line 3X and they all told me no for being 8/24. :\
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antidope
Supporter
- 62,397
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- Jan 2, 2012
It's chase so I imagine the answer is no.
cs02132
Supporter
- 12,636
- 12,908
- Joined
- Nov 1, 2007
Got denied a CLI from discover for the first time. I wonder why..I've never missed a payment or anything. I did spend a lot this month though maybe that's why? (My statement cut on the 20th and I have $268 left to pay by the 15th). Current CL is $8700 and I usually spend between $1500-2000/month. Last statement I prob spent like 3500 or maybe even 4000 but like I said I only have like 268 left. Close to 50% utilization could be why I got denied, I assume
Do you guys lie when it asks for your income and all that stuff? Maybe I should ?
Do you guys lie when it asks for your income and all that stuff? Maybe I should ?
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- 731
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- Nov 8, 2013
I got denied recently as well. I got a letter saying that I had to wait 6 months until my next CLI. I don't know if that's specific to me, or not, but I'll just wait the 6 months and see what happens.Got denied a CLI from discover for the first time. I wonder why..I've never missed a payment or anything. I did spend a lot this month though maybe that's why? (My statement cut on the 20th and I have $268 left to pay by the 15th). Current CL is $8700 and I usually spend between $1500-2000/month.
Do you guys lie when it asks for your income and all that stuff? Maybe I should ?
- 3,667
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- Feb 29, 2008
Got denied a CLI from discover for the first time. I wonder why..I've never missed a payment or anything. I did spend a lot this month though maybe that's why? (My statement cut on the 20th and I have $268 left to pay by the 15th). Current CL is $8700 and I usually spend between $1500-2000/month.
Do you guys lie when it asks for your income and all that stuff? Maybe I should ?
If you've been getting CLIs like every month it's normal. Wait for the letter stating the reason why you got denied. I'm willing to bet it says "not enough experience with current credit limit". Just try again next month if you want to. There was a point where they denied me 2 months back to back but I got pretty consistent CLIs every month or every other month other than that stretch.
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- Jul 31, 2012
I requested last week wednesday and after like 4-5 days my CL usually is increased in the app but it hasn't so im sure i got denied. Im at 18k, started with 1k in april of 2016.
- 4,576
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- Jan 1, 2010
Every time I request a CLI on the Discover website it tells me they need a hard pull. I gave up after the third time.
cs02132
Supporter
- 12,636
- 12,908
- Joined
- Nov 1, 2007
Yea I did like 3 months in a row. I'll try again in April or May
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- Aug 19, 2015
For you guys that have just started your credit history... how long before your credit score showed up on Credit Karma?
I have a buddy who signed up, has has a secured credit card for a couple months now... but his Credit Karma still shows no scores.
I have a buddy who signed up, has has a secured credit card for a couple months now... but his Credit Karma still shows no scores.
rbk93
Supporter
- 13,555
- 12,590
- Joined
- Jun 29, 2016
Just made my deposit for my Capital One Secured Card.
Just kind of threw me off when they said you have to wait a full month to receive the card.
Just kind of threw me off when they said you have to wait a full month to receive the card.
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- 93,963
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- Oct 24, 2010
Who needs a discover card though 
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- May 7, 2015
Plan on applying for a new CC soon... best CC for flight points anyone?
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- Feb 18, 2007
Chase sapphire reserve 3X points on travel and dining
$300 credit for travel related purchases
Priority Pass for Airport Lounges
100k Bonus Points (in branch sign up, 50K online) points worth 50% more if redeemed through chase portal
theres more benefits but these are the cream of the crop
Annual fee is $450 but very worth it when you consider what you get back
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- May 7, 2015
I currently have DiscoverIT... just want to clarify the whole annual fee part.. does every CC do that?
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- Nov 17, 2013
DiscoverIT shouldn't have an annual fee though?
- 7,884
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- Aug 13, 2013
Could anyone explain how a personal line of credit works. My credit isn't the greatest but I was approved and in need of some extra money. Do they give you a separate card?
- 93,963
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- Oct 24, 2010
It doesn't
- 1,312
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- May 7, 2015
It doesn't exactly... so I don't really know how an annual fee works... you get charged x amount yearly just for having a card?
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- Sep 27, 2008
correct.. the CSR charges the annual fee on the date you open the card. So say you open it today March 2nd, will be charged next year March 2nd 2018.
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