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  3. OP has two open cards and an AAoA of 7 months. It's the classic definition of a thin file. Luckily one of his two cards is a year old so he could possibly get his foot in the door with AmEx. Chase will usually accept thin files if there's an account reporting for over a year. Barclays will not. He's already seen Citi's policy. Our favorite credit union should welcome him, if qualified to join. I'd go for an AmEx and a Chase and let them marinate and build up credit limits. It has been reported that Chase is going all contactless.
  4. New accounts for existing AmEx cardholders are not always without hard pull. Often maybe, but certainly not always. In any event, on CB we know that inquiries are nothing to fear.
  5. Kat58

    Travel to Japan?

  6. Sidewinder

    Travel to Japan?

    So what she was doing, see, was 罵 (I mean, that's what she was doing to the cop. )
  7. You can go to americanexpress.com and check for pre-qualified offers. Click on the 'Cards' link and choose 'Check for Pre-qualified Credit Card Offers'... If you see the PRESCREEN & OPT-OUT NOTICE and a fixed interest rate (not variable), you should be good to go... Note - Amex cards are easier to get approved for today than they were in the past. You shouldn't have to get a Charge card first.
  8. IMO - Get in the door with Amex. Once you open new accounts with them any additional accounts are always a soft pull. Start with a charge card, they carry an annual fee but again are great to get a foot in the door. Once you show them good history they will always treat you right. Sent from my iPhone using Tapatalk
  9. BlueCash Everyday is not a bad call. MSR is only $1000 so you should easily hit it with natural spend. Shop around for the best SUB. $200 is good but you might get $250. At $200, you would net 21%-23% back on your first $1k of spending. Adding a 3rd card will boost your FICOs immediately.
  10. Occam

    Pre-Approved for Second Discover

    Definitely finish milking Chase before anything else! How did you end up under 5/24? Discovery is for when you've run out of options. Not even worth thinking about till you've been reduced to whoring for sub-$300 SUBs.
  11. cashnocredit

    Travel to Japan?

    I arrived in Tokyo on a short biz trip after a train ride from Narita. It was 10PM and I was wandering around trying to figure out where my hotel was as the signs didn't line up with the little info I had. A young Japanese woman was out walking nearby with a baby carriage and, seeing I was obviously confused, approached and in perfect English asked if she could help. Nearby, a policemen? started taking interest. Something he did or perhaps said just fired the young woman up. She lit into him, rapid fire scolding him with a long string of Japanese. Laying down the law as it were. He started backing off bowing, and backing off some more while she kept scolding him. No idea who she was or what she was doing out late at night walking a baby but her English was perfect - sort of a US North East coast accent if anything. Judging by the policeman's reaction she might have had some sort of status. While lots of the people there spoke some English, none were close to that woman's.
  12. Welcome to Crediboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear
  13. Sidewinder

    Travel to Japan?

    I think I might want I should travel to Japan. However, I don't eat non-fish seafood; and their cuisine seems to A) consist hugely of that, and 2) be gross. Anyone have anything to say about a Japan trip?
  14. hdporter

    Pre-Approved for Second Discover

    My 12-mo Discover Miles cash bonus is due to post May 3. I had intended to "rinse and repeat", but the new announcement re Chase Freedom Unlimited (1.5% matched, plus Ultimate Rewards redemption option) has me psyched. No question I'll be pleased to give Disco a rest.
  15. Hello everyone, I'm new to the forum but was recommended to come here for advice. I'm currently a freshman in college and recently turned 19. I currently have two credit cards: Bank of America Cash Rewards (had for 12 months and $2500 limit) and Discover It Student Cash Back card (had for 3 months and $1250 limit). My current creditkarma score is 718 and I attached my credit factors from there. I'm always looking for ways to open more accounts and to improve my spending power and score. I never put anything on interest and don't plan to use a full balance on either of my cards every month at least while I'm in school. Balance transfer is also not a priority. I also have no student loans so in have no large balances to pay off. Rewards (whether cash back or points) are my biggest need in a new card, and low to zero annual fee as well since Im not spending a huge amount at the moment. I'm looking for a new credit card to apply for. Through my own research, I've found that Citi Double Cash card is a great for rewards for myself but it may be a little too far out of my reach (I applied for it about 6 months ago and they didn't even do a hard pull). I'd also like to start earning recognition by Amex and the BlueCash EveryDay card sounds quite good, especially the absence of an annual fee. But, of course, I'm not an expert and that's why I came here. Also I'm impatient and want to apply soon, but if waiting longer will be more beneficial in the long run, I can wait. My monthly spending during the school year is mostly comprised of food (evenly split between restaurants and fast food), spending on airfare and hotels, online shopping on amazon and Best Buy, and shopping at the local Walmart for groceries. I average about $300-$600 per month but it varies wildly. During the summer I actually work above minimum wage in Arizona so my cash flow will probably be about double. Also I expect to spend more on travel and food over the summer as well, with much less spent at Walmart and more spent at grocery stores. Since I'm still very new to this, I'm just looking for some advice. Should I wait longer before applying for a new card? Should I try for another student card? Are you bullish on Amex or should I try focusing on their travel and rewards benefits? Thank you for the help, Xenoz P.S. My only other dream from a credit card it for it to have contactless payment but I know this is very rare here in the states.
  16. expertvis

    Zombie Debt? Which way to go?

    Hello all, My wife had just cleaned all of her credit reports end of last year and had zero collections. Out of the blue she just got hit with a ERC collection account opened in January 2019 from an old Sprint debt from prob 2012 on her Transunion and Experian. She didn't tell me about it or ask me and went ahead on Credit Karma and disputed it but Transunion says it was verified as accurate. Thats impossible and I know they cant take an old debt and now make it stick to her credit file for 7 years now. What is the best way to proceed with Whychat's method, now that she did the Credit Karma dispute? I went ahead and opted her out. What should I do next? Thanks!
  17. I am supposed to close on my home in May. Will taking medical deductions on my taxes effect my loan?
  18. Combine this with the option to redeem with a 50% kicker for travel redemption through the Ultimate Rewards network (in conjunction with a Chase Reserve card), and this is pure gold!! I just redeemed UR points for air ATL-SEA for DW and I to take a 1-week Alaska cruise July 4 weekend and I'm smiling like the proverbial cat that ate the canary ...
  19. Anyone have any advice for a Canadian?
  20. Yesterday
  21. https://www.bankrate.com/credit-cards/chase-freedom-unlimited-offers-3-percent-cash-back-for-in-person-applicants/
  22. cv91915

    Pre-Approved for Second Discover

    My Aviator Silver is about to swirl the bowl thanks to the EQD devaluation.
  23. Occam

    Pre-Approved for Second Discover

    My venerable AAviator Red just morphed into a turd too. AF up $89 =>$99. Annual bonus down 20k miles => 0 miles. Both Barclays and Discovery now issue only churn & burn cards, which seems like a strange business model.
  24. https://www.reuters.com/article/us-usa-fed-households-graphic/the-fed-is-prodding-americans-to-buy-more-on-credit-idUSKCN1R220T
  25. It is possible that the original debt was at one time valid. However the claim from the CA was NEVER valid and you threw your $$ down a rathole. Follow the guides; https://whychat.me/GUIDEBOOK.html Double check all your reports for errors and look for recent inquiries. https://whychat.me/GUIDE HIPAA PROGRAM.html Send each CRA where ANY medical accounts are reporting this: https://whychat.me/hipaadisp.html Come back to this post for additional help after you have a response from your disputes tothe CRAs
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