ncs22

Hi. I shop a good amount on Amazon..and I also use my Citi double cash card a good bit (not on Amazon though..I have a Chase Amazon Visa 5% card for that). It's tempting to redeem my Citi points for Amazon gift cards. I'm not much into math...am I better off doing that or redeeming those Citi points for cash back? Thanks

Hi .. thanks for all your recommendations. I pulled the trigger and went for the Chase card, ultimately because it had a better sign up bonus and I didn't really need to finance anything. Plus the kid in me is sort of looking forward to a metal card..

Thanks all for your recommendations. I do buy from Amazon monthly, but almost never do I buy anything pricey enough to warrant any kind of financing. Plus (forgive me if I'm wrong, math is a weakness of mine) isn't taking the 5% off of a large purchase (if you can do that) better than 0% financing for 6+ months? Also, I like the $70 gift card with the Visa more than the $40 with the store card..

Hi. I'm deciding between 2 Amazon cards that will each give me 5% back on Amazon. I do not plan on using the card for any other purpose. Should I get: 1. Amazon Prime Store Card or 2. Amazon Prime Rewards Visa Signature Card or 3. Both? I like the financing possibilities on the Store Card, but the Visa seems to be preferred by some. Thanks

Thanks all for your replies..at this point I'm leaning toward the new Chase Amazon Prime Visa card, with the $70 gift card upon signup. Just to be clear, if I have no intention of ever using the Sallie Mae again, should I close it or just leave it open? Which will be better for my score? Thanks

Thanks a lot...is the Amazon store card or Amazon Visa any good?

Hi, I have a Sallie Mae Rewards MC, which I opened exclusively for groceries and Amazon. As of March 1, the card will become the Sallie Mae Commence MC, and will drop the 5% back on Amazon. Because of this, I don't like the card anymore and don't want to use it. I have two questions: 1. Will it hurt my credit score to simply stop using this card? (I have 4 other cards I use and my score is 742). 2. What is the best Amazon card at this point? Thanks

It's the "Sears home improvement card"..I sort of signed up for it without even knowing I was signing up for it :/ .. I just wanted the 24 month interest free payment option. Do you know anything abt this card?

Not really in the immediate future..but I like to keep that score sky high anyway I had some doubt abt whether this cc even is figured into the credit score, but I guess it is? It's my first "store card"

Hi, Just bought an air conditioner from Sears with 24 month financing. They opened a cc for me with a $6000 limit and an opening balance for the $5000 purchase price, which I must pay off by Sept. 2018. My statement balances will be relatively high on this card for the next several months..so should I keep all my other cc statement balances at $0 to maximize my credit score? Thanks

Thanks, So if I closed the account in 2015, and opened it in 2012, is it still considered 4 years old now? CK is listing my AAOA as only 7 months because of 4 accounts I opened last August. But it's ignoring the 2012 account I closed last year..

Hi, Do closed cc accounts figure into your "average age of accounts"? If not, can I reopen an account I closed last year and have its age still be based on when I originally opened it 4 years ago? Thanks

bump

Right now one of my cards (Citi double cash) has a huge balance ($2739.06). It will cut on the 21st. Was planning to pay on the 19th. Cannot afford to bring that balance down to $2 at the moment. The card, for this year, won't charge interest for minimum payments. My total CL for all cards is $19,300. To keep a good/excellent score, can I leave $0 balances on the other 3 cards, and let the Citi cut with the $2739.06 balance? 2739.06 = 14.2% X 19300. My current score is around 760. Then I would pay the minimum balance from that statement. Thanks ETA: citi has a CL of $3300. 2739.06 = 83% X 3300.

Interesting. So does it all look okay if I let the following happen?: 1. One out of four cards reports a balance, which is no more than 9% of that card's CL, and, ideally, which is $2 or $3. 2. Pay that statement balance in full (no minimum payments) at the due date.