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Opened up a Barclaycard MasterCard on the 8th and my statement already cut on the 21st
Ordered that new iphone huh?
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
Ordered that new iphone huh?
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No credit card companies take credit card payments
When you do a balance transfer, they should be sending a check to pay down the other card
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No u call chase back and tell them u want to do a transfer..not pay it with the card
u can't pay credit with credit..but u can transfer a balance
Tony $now
formerly lilyo06
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Im approaching my 6th month with Discover. Should I let them offer me a CLI or should I ask for one?
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There's actually a spot you can do it right in your account online
Tony $now
formerly lilyo06
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Yea I know, I was asking because some people have received CLI without requesting them
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Ask for one
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Any of ya'll heard of freedom debt relief and what they're all about?
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Signed up for the 2 Southwest CCs last week. Companion pass for 2018 & 2019 coming up 
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Can anyone refer me a great cash back credit card? My 1 year ends next month with Discover it and would like to get another one before then. I don't travel as much so not looking anything with travel points. I spend approximately $30k-$50k a month, if that helps. Preferrably with little to no annual fees. Thanks!
da r entertainment
Supporter
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Did a quick Google Search on them and it appears that they're a debt consolidation firm. I'm not a big fan of debt consolidation firms because of the fact that not all of your lenders will accept their proposal. You're better off calling yourself to work something IMO. Different strokes for different folks though.
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Chase freedom and the Citi double cash back
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Applied for the Chase Southwest Card for the Plus and Premier.
Approved 28k on each card. Companion Pass on the way
Approved 28k on each card. Companion Pass on the way
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How accurate is Credit Karma?
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It's accurate but ur credit score changes daily..a credit report is valid from the day u run it for 90 days then u have to run ur credit again
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Thanks. Does anyone have tips on how to get my credit score up? Credit Karma shows that my Equifax is around 649. I have about $10K in total credit with 49% utilization. One missed payment (30 days) in my credit history that was paid off, 99% positive payment history. 3 yrs average age of accounts, no other derogatory marks...one inquiry in past 2 years.
I'm going to pay off another $3K tomorrow so I'll be around 20% utilization. I was surprised that my score only went up 30 pts after paying off $5K (I was around 98% utilization previously)
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Huh? I don’t think this is true. Where are you getting this valid for 90 days claim? Your credit report is a snapshot of your credit whenever you run the report. Depending on when your credit card statement cuts or when your loans post, that’s when your credit report and score will change. It could change tomorrow, next week, or 29 days from now it just depends on your accounts. Credit karma is really good for monitoring your credit report but the scores aren’t true FICO scores.
Get your utilization down to below 10% for optimal scores and continue to grow your average age of accounts. Not sure if there’s anything you can do about the late payment maybe somebody has had success with a goodwill letter or something? The credit scores from credit karma are vantage scores, not true FICO scores so they will differ from the scores that banks will pull for you if you need a loan or a card.
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I'm saying if ur trying to get any type of loan the lender will run ur credit and use that report up to 90 days..if ur still not approved after that time it must be run again
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Ok gotcha. Had me confused I thought you were talking about credit karma lol
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Credit Karma has always been within 10-15 points of my actual FICO score.
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Finally got that discover collections off my report . I want to apply for discover it now but I'm paranoid 
. I want to apply for discover it now but I'm paranoid 
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Does PayPal credit report to collections? I know they don't report positively to your credit report but I figured they would turn it in if you went delinquent.
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I would say yes
Which is backward since it has no positive affect but if you screw around it can have a negative affect
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Does anyone have experience with the Capital One Spark Cash? How is capital one with giving CLI?
