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Advanced Credit Topics

This subforum is not open to new questions.  If you have a new question, please start a new topic in the main credit forum.

Advanced credit topics such as high-value credit limits, rewards cards and strategies for maximizing rewards.

1074 topics in this forum

  1. Pinned topics

  2. Travel, Points, M$ acronym list 1 2 3

    By Konrad2012,
    • 51 replies
    • 9.8k views

  4. Other topics

  5. Chase Offers List 1 2

    By hegemony,
    • 33 replies
    • 4.6k views

  6. M$ speed bumps 1 2 3 4 174

    By Konrad2012,
    • 4.3k replies
    • 137.9k views

  7. Discover Foiled My AZEO Plans

    By A Credit Ed,
    • 14 replies
    • 1.6k views

  8. OMG!!!!! Can you trust American Express?

    By hegemony,
    • 9 replies
    • 1.9k views

  9. Financial Palindromes and Other Numerical Apparitions: Post Yours 1 2 3 4 5

    By cv91915,
    • 122 replies
    • 11.7k views

  10. Best Looking Credit Card? 1 2

    By A Credit Ed,
    • 33 replies
    • 3.1k views

  11. The Points Guy launches new app for tracking all your credit card points and miles

    By hegemony,
    • 2 replies
    • 1.1k views

  12. Avianca airlines new award chart

    By pwd847,
    • 1 reply
    • 950 views

  13. Amex devalues Platinum Card with Walmart+ membership 1 2

    By hegemony,
    • 36 replies
    • 2.7k views

  14. Amex Offers List 1 2 3 4 51

    By Konrad2012,
    • 1.3k replies
    • 55.3k views

  15. Interesting Cap 1 Benefit - up to $50 MyFICO Credit

    By A Credit Ed,
    • 14 replies
    • 1.7k views

  16. The Rewards Card Strategies Discussion Thread 1 2 3 4 160

    By mendelssohn,   
    • 4k replies
    • 173k views

  17. LOL CRAP1 LOSING ITS ONLY AIRLINE TRANSFER PARTNER

    By hegemony,
    • 3 replies
    • 1k views

  18. Amex Platnum - $70 off $70 for 1Password

    By PhoenixDown,
    • 7 replies
    • 1k views

  19. Daily Getaways is back 2021

    By TheVig,
    • 0 replies
    • 831 views

  20. The Decline of In-Store Gift Cards

    By hegemony,
    • 0 replies
    • 914 views

  21. Amex Business Cards - Hard Pull on Personal Credit Reports?

    By A Credit Ed,
    • 2 replies
    • 1k views

  22. Capital One Travel Portal

    By hegemony,
    • 3 replies
    • 1.1k views

  23. How this 'mileage maniac' earned 40 million frequent flier miles

    By hegemony,
    • 2 replies
    • 1k views

  24. NFCU new SU offers FYI

    By hegemony,
    • 0 replies
    • 1.1k views

  25. debthunch - Scam or Scheme?

    By A Credit Ed,
    • 6 replies
    • 2.7k views

  26. Have airline status? - Have a Founders card?

    By mec,
    • 2 replies
    • 1.3k views

  27. Discover Product Change

    By StarkRaven$,
    • 4 replies
    • 1.2k views

  28. Space Cowboy

    By StarkRaven$,
    • 3 replies
    • 1.1k views

  29. Citigroup Cuts Off Its $495-a-Year Rival to AmEx’s Platinum Card

    By hegemony,
    • 1 reply
    • 1.1k views

  30. Opting In?

    By A Credit Ed,
    • 1 reply
    • 1k views

  31. Chase 5/24 Question

    By A Credit Ed,
    • 7 replies
    • 1.2k views

  32. AA membership rewards

    By nolanryan,
    • 1 reply
    • 1k views

  33. Equifax

    By expertvis,
    • 1 reply
    • 1.2k views

  34. Fanduel draftkings

    By mrjuggalo9er,
    • 0 replies
    • 1.1k views

  35. Trying to decide if I want to apply for Chase Flex

    By zki,
    • 3 replies
    • 1.2k views

  36. 2nd Amex CC and CRA

    By StarkRaven$,
    • 17 replies
    • 2.1k views

  37. Interested in Spark card for a new business. Does the business need to have income for a period of time, or can I get one now?

    By deemac,
    • 7 replies
    • 1.7k views

  38. Amex MR Points - Do you reconcile?

    By get.randy,
    • 4 replies
    • 1.5k views

  39. reports-rumors: walmart to ban M$

    By hegemony,
    • 4 replies
    • 1.8k views

  40. "Other" CRAs and Credit Reports

    By A Credit Ed,
    • 3 replies
    • 1.6k views

  41. Why Chat

    By A Credit Ed,
    • 1 reply
    • 1.5k views

  42. Through June 30, 2021 you can earn up to $30 in statement credits each month when you use your Platinum Card® or Centurion® Card for transactions made with PayPal at eligible merchants.

    By hegemony,
    • 7 replies
    • 1.6k views

  43. Using My Amex Platinum $200 Annual Airline Incidental Credits

    By cv91915,
    • 8 replies
    • 1.8k views

  44. Trading App Offers $500 to Lure Investors to Open $5,000 Crypto Accounts (EToro)

    By hegemony,
    • 1 reply
    • 1.5k views

  45. Cashing In TYP

    By hegemony,
    • 14 replies
    • 1.8k views

  46. Citi 5% CB promo for Cyber Monday

    By hegemony,
    • 4 replies
    • 1.5k views

  47. American Express is acquiring Resy (restaurant rez system)

    By hegemony,
    • 4 replies
    • 1.7k views

  48. Regrouping after Covid - Is this plan wise?

    By TheDrewbert,
    • 6 replies
    • 1.8k views

  49. Authorized Users: Do CC Statements Typically Show the AU Names?

    By RoundLake,
    • 8 replies
    • 1.6k views

  50. BankAmeriDeals

    By hegemony,
    • 6 replies
    • 1.6k views

  51. new Amex BCP referral?

    By hegemony,
    • 1 reply
    • 1.4k views

  52. Airline Miles Programs Sure Are Profitable. Are You the Loser?

    By hegemony,
    • 0 replies
    • 1.5k views

  53. Citi 3,000$ Savings Account Offer

    By hegemony,
    • 3 replies
    • 1.4k views

  • Recently Browsing   0 members

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  • Our picks

    • Paypal high quality "invoice" scam alert

      cashnocredit posted a topic in Credit Forum,

      Well, I just got one of the better scam emails. An email direct from Paypal for an invoice I never authorized. And yet, it had my actual name and the originating address was paypal.com
       
      Don't be fooled. Like the guy in this article, I called the number on the email after first logging in and verifying the phony invoice was pending. It became obvious the guy I was talking to was feeding a line of crap designed to scare me while he had little info other than the ph. no. I used to call him. Hung up.
       
      So, a little searching and guess what. Found this:
       
      This PayPal invoice scam almost got me. Here's how to spot it - Elliott Report
       
      Pretty much an exact match! Annoying pieces of excrement.
       
       
      • 5 replies
      MarvBear

      Picked By

      MarvBear,

    • Still No Apple Love

      ImBack posted a topic in Credit Forum,

      Tried again for a CLI with Apple.  Here’s the Dear Jane email I received:
       
      Goldman Sachs Bank USA could not approve your request for a credit limit increase because:
      You have not used and paid enough of your Apple Card credit limit since your last credit limit increase  
      Goldman Sachs Bank USA received your credit score from TransUnion Consumer Solutions.
      Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.
      Your credit score (TransUnion FICO® Score 9) as of December 19, 2022:
      825
      Credit scores range from a low of 300 to a high of 850.
       
      ‘Have a decent line in excess of 20K, pay down every month before balance posts. It would seem odd if the algorithms think I’m not running anything through the card. Usual monthly spend is $1,200 or so. 
       
      As an aside, TU FICO 8 is 817. 
       
      Can’t figure out why I keep getting rejected. 
      • 8 replies
      MarvBear

      Picked By

      MarvBear,

    • Can You Settle New/Young Debt?

      DynamiteMan posted a topic in Credit Forum,

      Long story short
       
      I have $200,000+ in personal Loans and Credit Card Debt. I am about to stop paying and let them default in March. 
       
      All the personal loans are new debt and are 6 months old. The credit card I have had for awhile. 
       
      I got screwed trying to start a new business, and can't afford to pay these back. I make $78k a year. 

      I have access to $150k cash
      I don't own a home
       
      Here are my debts
      Wells Fargo Credit Card $15k
      Wells Fargo Personal Loan $40k
      Sofi Personal Loan $70k
      Amex Personal Loan $9,500
      Laurel Road Personal Loan $30k
      Lightstream Personal Loan $20k
      Discover Personal Loan $35k

      I am trying to avoid chapter 13 bankruptcy. 
       
      So my questions are..., based on your experiences, do you think I'll be able to settle all these debts with my $150,000? Or will they not budge since the debt is so new?
       
      Will they just sue me right away and only take the full amount? 
       
      Will they consider this fraud because the debt is only 6 months old? 
       
      Please let me know what y'all think. Thanks!  
       
      PS. Please don't judge, my life is ruined for awhile so I am looking for serious help. 
      • 23 replies
      MarvBear

      Picked By

      MarvBear,

    • Master 2023 Approvals and CLIs Thread (Post Yours!)

      TheVig posted a topic in Credit Forum,

      Happy Credit New Year!
      • 16 replies
      MarvBear

      Picked By

      MarvBear,

    • Receive Real-Time Notifications if Credit is Thawed?

      KeepItMovin posted a topic in Credit Forum,

      Is there a way to get such alerts apart from signing up for paid services?
       
      I'd love to get a text if any of the "big three" are thawed but haven't been able to figure out a way.  There's no such options at their websites and I don't think push notifications (from email) is available either.
       
      Any ideas appreciated!
      • 15 replies
      MarvBear

      Picked By

      MarvBear,
    View All

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