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I feel like they are slept on heavy.Damn Discover is killing it
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I feel like they are slept on heavy.Damn Discover is killing it
I feel like they are slept on heavy.
Right, nobody ever explains how they got those points.
My next app spree will be on airline/hotel cards to try to go somewhere for free. I have to get a strategy down pact first. Also, once you use up the sign up bonus points isn't it pretty hard to get up to 40K-50K points again. From my understanding you need to apply to a different card for another sign up bonus.
Right, nobody ever explains how they got those points.
My next app spree will be on airline/hotel cards to try to go somewhere for free. I have to get a strategy down pact first. Also, once you use up the sign up bonus points isn't it pretty hard to get up to 40K-50K points again. From my understanding you need to apply to a different card for another sign up bonus.
Okay so now I see why people are so hooked on Citi cards.Right. You gotta play the game.
I fortunately get a lot of points because of work but sign up bonuses have been pretty lucrative for a while now.
Citi Prestige - 50K for 3K spend (I've heard of people getting a 100K offer through the mail.)
Citi Premier - 50K for 3K spend (Has gone up to 60K for a short time)
Citi Preferred - 20K for 2K spend
CitiGold checking account - 40K for no spend
It's definitely hard earning points through spend because you're only earning 2X or 3X per dollar on certain categories. They also have shopping portals where you could earn a lot more sometimes.
Here are some stories from normal folks taking advantage of sign up bonuses and their CC spend.
http://thepointsguy.com/2015/10/trip-to-australia-success-story/
http://thepointsguy.com/2015/09/saving-on-flights-success-story/
Okay so now I see why people are so hooked on Citi cards.
I know Chase gives great sign up bonuses too. I have to really figure it out soon though.
@LuckyLuchiano
no you get dinged every time, but it's best to just apply to all of the cards on your list in one day. Your score won't show all of the inquiries for atleast a few days, so when you go on an app spree each application has your highest score.
Some people will do 10-15 apps in one day.
It's insane, I can't think of 10-15 cards I'd want to apply to. Those people are obsessed with credit cards and their credit score lol10-15 apps in a day is crazy. But I believe it jus from bein on the myfico forums. I couldn't even think of 10-15 different CCs lol...
Whats this all spree stuff you guys are talking about? i assume apply to a ton of cards in a certain time window so you dknt get a ton of hard pulls?
Anyone here have some advice on how to ask for a lower interest rate? I've had my WF card for about 7 years now and it's at 18.24%. If they do lower it, by how much is it? 5 or 10? I basically want to pay this card off.
Open up a 0% APR Balance Transfer card. Discover IT has 0% APR 12month BT offers at all times.
Anyone here have some advice on how to ask for a lower interest rate? I've had my WF card for about 7 years now and it's at 18.24%. If they do lower it, by how much is it? 5 or 10? I basically want to pay this card off.
What rate did you get? Also were your loans originally with the federal government?Well I ended up just applying anyways.
I'm only refinancing the private leaving the fed as is. I consolidated those directly through my one lender and averaged out the rates of all the small loans. Feel pretty comfortable with what I'm paying there.What rate did you get? Also were your loans originally with the federal government?Well I ended up just applying anyways.
Only reason why I am against getting my loans refinanced or getting new loans outside of the fed is because
of the feds laid back loan repayment plan.