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gozu

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  1. By cash I mean debit card or bank transfer...online banking. Of course. I use the term "cash" for money in my checking/savings account and "credit" for money that's not mine and I have to reimburse later. As for why I want to live on a credit card. Why not if there is no interest paid whatsoever and I already have the cash to pay it off at the end of the year? if I do have to pay interest, then I'm not interested at all.
  2. Suntrust Bank? Does it fit the scenario I outlined? scenario is: I get a $20,000 limit CC, i charge $1000 to it every month for a year, I pay something like $50 a month towards it, and the 12 month, I pay the remaining $11400 balance all at once, with cash. And all this time, I haven't paid a single cent in interest.
  3. No balance transfers involved. The topic says it all. I don't think such a thing exist, but maybe I'm wrong. scenario is: I get a $20,000 limit CC, i charge $1000 to it every month for a year, I pay something like $50 a month towards it, and the 12 month, I pay the remaining $11400 balance all at once, with cash. And all this time, I haven't paid a single cent in interest. Does such a card exist, and if so, which is it? I have a 787 credit score.
  4. PS: she cosigned with me on a car lease worth $20k 4 years ago when my credit was shittier than hers. I wouldn't consider doing this if it weren't for the fact that she did it first. Fair is fair and all that. So thank you all for the excellent advice but I would like a factual answer... Will it or will it not help? And if it does help, by how much? I'm thinking about just giving the cash difference of whatever my cosigning would have saved her. I'd rather be out $300-$600 than be on the hook for $20k because I'm thinking of buying a house soon and it probably would be bad for my mortgage rate. I need numbers to figure out how much to give her. I'll be showing her this thread since you guys are impartial 3rd parties.
  5. A friend of mine with a credit score of 750 and annual income of 176k, and 14 year credit history would like me to cosign with her on a $20k home improvement loan. She has a remaining mortgage balance of 450k. she has paid 45k so far ($3k/month). My score is 785 with 3y1month history and my annual income is 89k. Would me cosigning with her get her a better interest rate or would it be negligible? If it would save her money, how much would that be? Thanks
  6. Transferring approval to another card was not possible. Upgrading the old green card to another charge card was possible, but I declined to do that and I just cancelled the new green card. Thanks for the advice (and the shaming) everybody
  7. I forgot I had it because I never used it and I've just applied for a second one. I done effed up. What should I do? cancel the 2nd one? Help!
  8. It appears I was accepted for the chase card afterall! That's pretty cool. Thanks Occam!
  9. I was rejected for the Walmart GECRB card (likely within minutes of calling, but I didn't receive the email for another 6 days). Likely rejected for the chase card as well since they use the same bureau. Drat!
  10. Not for another 3 years, she said: I was asking her about rewards earlier and she was interested in perks like road assistance, travel insurance, extended warranties, that kind of stuff. Cashback and air miles are also nice, but not a big deal. Most money is probably spent on restaurants, some plane tickets.
  11. lol. That's reasonable. I'm passing the baton and going to watch some TV Good luck!
  12. She says: "What credit cards do I start with and how many?"
  13. She has no accounts on any of the companies. She could open one or more of the credit cards that come with a FICO score if you think it's a good fit anyways (2 birds, one stone). She's ok with paying for them (she's rather do that than open checking accounts because of time constraints). She doesn't care. She's not in school anymore.
  14. Ok, uploaded it to mediafire (imgur degraded the pdf quality so much it was unreadable): http://www.mediafire.com/view/8zgtqs4ac1iqa3b/CR0414.pdf
  15. They are FICOs (as far as I can tell). They were obtained through a credit monitoring service she's had since 2011 (IdentityProtector, part of CPP) for which she was paying $15/month.

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