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    • Hello all!!
       
      I will try to make this as short and sweet as possible. I used to make much more money than what I am currently making. Never paid late on my cards until recently and I’m still never more than a few days late. My cards are all maxed out and it’s costing so much to keep up with everything. I thought about going on the hardship program with my cards but I think that might have a negative affect on my credit. My utilization is at 99%.  I just don’t even know where to start. I would love to just work on getting the balances down because I feel like the hard work will stop me from charging the cards up again. I have 9 cards. And I have no lates reported as I’m never more than a few days late.  
      GAP-200
      JCP-500
      CapOne-600
      Citi-900
      Walmart-1780
      Macys-2700
      Chase-3000
      BCU-5000
      Amex-5000
       
      Any advice would be appreciated!!
      • 14 replies
    • With an upcoming refresh of the American Express Green card there are several rumors swirling about potential improvements. Right now the Green offers 2x points on purchases through the amextravel portal and 1x on everything else for a $95 AF. Yawn. 

      The current rumors are suggesting a June/July/August launch bringing with it 4x on "gas" and 3x on "streaming services" with a wild card of free Amazon Prime with membership. Not awful at all if true. I'd be curious to see the caveats that will certainly come with the gas category, and the streaming services seem a little petty since I'm sure even the most die hard cord cutter only spends around 50-75 a month in service fees. As with all the other charge card refreshes I expect to see a bump in the AF to around $149 which leaves this a little underwhelming to me. If it's meant to be an intro to AmEx charge cards then it would seem to entice the everyday folks you need to include everyday expenses for instance, cellular service. Maybe free phone insurance for any service paid with the card, similar to the propel from WF. Just throwing daydreams out here. 
       
      Anything you would want to see with a potential refresh?
       
      Original link:  https://www.doctorofcredit.com/rumor-american-express-to-refresh-green-card-4x-on-gas-3x-on-streaming-more/
      • 42 replies
    • Hi all,
       
      Wondering if anyone has personal experience with having a civil judgment made against them that then lapsed / expired. A family member is wishing to transfer property to me, but I am concerned due to a couple of judgments from the most recent recession. I know it's not the wisest route, but due to my circumstances at the time and several years following, I essentially did nothing (didn't respond to letters, people trying to serve me, etc., definitely didn't make any payments). I didn't realize until recently that judgments could be revived. At this point, I don't want to declare bankruptcy when it's almost been 10 years... I should have just declared BK at the time of the judgments but obviously wasn't educated.
       
      Any help / thoughts appreciated!
      • 14 replies
    • I have an Amex blue cash credit card with zero introductory  plan it feature that helps you finance anything over 100$.
       
      What happens to credit utilization rate if I have 1000$ credit limit and I finance a 1000$ purchase for 10 months? Is it gonna be %100-%90-%80 or %10-%10-%10?
      • 9 replies
    • My son in college, playing baseball was injured and sent for an MRI. They used my insurance information. I never received a bill. I was expecting the school to cover the bill since the baseball coach and AD sent him for the MRI. Anyway, we recently pulled his credit file and its showing as a collection on his reports. I disputed as "not mine" but it came back as confirmed.
       
      How do I proceed????  contact the school 1st? Why Chat do I just follow your procedure?
      • 9 replies
  • Posts

    • Unless you are a member of NFCU.  My daughter wanted to buy her $8k used car with cash, instead I had her get a loan at NFCU and then pay the down to $500.00.  That works just like an SSL and her next payment is in 2023.  A true SSL loan is a far easier way to go and you only need the funds temporarily since you get them right back.   I agree with the above.  Secured cards and Paying in Full is the way to go to rebuild.  I speak from experience here.
    • If you’re going to dispute the collections, why not dispute all of them at once? Since the three showing on EQ also show on EX, all you’d have to do is change who you address the dispute to and you can reuse the dispute letter.  You didn’t mention TU. Is that report clean? If so, you could freeze the other two and find a card that pulls TU. Same method if you get one of the other reports clean, freeze the reports you don’t want pulled and use an issuer that pulls the clean file. 
    • I think most people are considering surface area, not total volume, of the oceans when talking about pollution since plastic floats. But AMEX using recycled plastic for a card is nothing more than a marketing gimmick. I couldn’t care less what it’s made out. Give me free Amazon Prime and 4x on gas and I’ll get it. And if it is 4x on gas, my using a card made from recycled plastic would be rather ironic since I buy 100-150 gallons of gas every other weekend from October to May. 
    • no it is not worth it. installment loans like car loans matter very little in FICO scoring.   you;'d be better off getting him a couple secured credit cards as well as adding him as an AU on any low balance cards you have.   and welcome to CB!
    • An automotive installment loan is not the best way to build credit.   Installment loans don't really help until they age well ~3 years.  I wouldn't want to pay an outrageous interest rate for that length of time for something that will have a minimal impact on a 3 digit number.   BTW welcome to CreditBoards.

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