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Posts posted by Konrad2012

  1. 40 minutes ago, bobsmith99 said:

    If higher balances showing on personal would benefit my score, then I'd can easily shift over some of the biz purchases to my personal card for the reporting benefit and then turn in the expenses for reimbursement. (I own the business, so I can do easily)


    Wanted to know if charge card balances reporting tend to typically affect your score and if this would benefit my score in any way?

    Having larger balances report to your personal reports isn't going to do anything for your score.  Having large charges on your personal cards can theoretically help you get a CLI from that lender but that's about it.

  2. Make sure you call and get the current payoff amounts and then overpay that amount slightly to cover any trailing interest so they report with $0 balances.


    After the payments post, call again and ask for a mid-cycle reporting update...some creditors will comply some won't.  This will stimulate any balance transfer offers that much quicker when you get AR'd. 

  3. On 10/19/2018 at 5:06 PM, cashnocredit said:

    The state requires proof of both citizenship (passport, birth cert.) AND proof of residence which has to be something like a utility bill or tax bill that shows the address. She doesn't get any of those addressed to her.

    Documents which meet the residency requirements are much broader than you are thinking. 


    • Rental or lease agreement with the signature of the owner/landlord and the tenant/resident.
    • Deed or title to residential real property.
    • Mortgage bill.
    • Home utility bills (including cellular phone).
    • School documents including any document issued by a U.S. education institution that either includes the applicant's date of birth, or if a foreign school document, is sealed by the school and includes a photograph of the applicant at the age the record was issued.
    • Medical documents.
    • Employment documents.
    • Faith based documents that include the name and address of the issuing organization.
    • Insurance documents, including medical, dental, vision, life, home, rental, and vehicle.
    • Internal Revenue Service or California Franchise Tax Board tax return.
    • California Certificate of Vehicle or Vessel Title or Registration.
    • Change of Address Confirmation by the U.S. Postal Service (Form CNL 107).
    • Any document issued by an entity, office, or authority governing over a country, state, county, city, municipality, district, agency, department, or any other political subdivision of a country or state that is typed and contains the agency name, department name, state seal, or is on official letterhead.
    • Property tax bill or statement.
    • Record of any state or national banks, state or federal savings associations, trust companies, industrial loan companies, state or federal credit unions, and any institution or entity that has issued a credit card.
    • An acceptable No Fee Identification Card Eligibility Verification (DL 933) form.
    • Voter registration confirmation letter or postcard issued by the California Secretary of State or a local California county elections officer.
    • Proof of payment of resident tuition at a public institution of higher education located in California.
    • An original copy of an approved Claim For Homeowners’ Property Tax Exemption (BOE-266) form filed with a local California County Assessor.
    • Court documents that list the applicant as a resident of California.
  4. All USPS facilities have real street addresses.   And they market that now to be competitive. 


    So instead of using:

    Cash No Credit

    PO Box 420

    Laguna Beach, CA 92652


    You can use:

    Cash No Credit

    350 Forest Ave. 

    Apt 420

    Laguna Beach, CA 92652 


    You'd have to reset your utilities, CC billing addresses and DMV addresses, but it will solve all your problems moving forward including companies unwilling to ship to PO boxes like Apple or Sams Club 

  5. On 10/8/2018 at 12:52 AM, Chris58 said:

    Many thanks Sir for your detailed response.


    I never really looked into the Airline credit thing , (and what airline I could choose), since I'm fortunate to only fly international in premium cabin.


    Obviously, I incur no incidental airline fees and for the last few years have been putting my travel/dining charges on C$R.


    I'll call AMEX today and PC the PRG to Green, (it's actually my oldest reporting TL by 11 months over the SPG).


    I'll also ask about PC of the SPG, (but from what you say it'll probably be no joy).



    Keep the PRG. 


    Enroll in the restaurants promo, and you get $10/mo at some restaurants.  Grubhub, Cheesecake Factory or Ruths Chris. 


    Pick AA as your airline in the PRG portal. Buy a $100 AA gift card through the AA website.  I'll buy it off you for $80. 


    That's $200 of your $250 AF

  6. 5 hours ago, Gaston said:

    For me it's the soft pull. I like getting approved for things because of my business relationship with a company, but shiny and METAL does rule. If this was a revolver we could epeen about our APR...How about we check our spending power. 

    Sure.  My SC+ is $250K and my Biz Plat is $350K, more if I call in prior (so they say). 


    Never bothered with the PRG, and OPEN reps have never brought it up when they call me since it's not an OPEN product. 

  7. On 10/7/2018 at 11:00 AM, creditmaze said:

    AFSCME has a new union debit card too through US Bank.

    It would be hilarious if the AFSCME Union debit card ran on UnionPay which is what this post is about. 

  8. On 10/4/2018 at 1:42 PM, Konrad2012 said:

    For anyone else interested in this new card, here is a referral link for 50K MR with $2K spend in 90 days.  Also includes a 20% cashback bonus up to $100 on restaurant spend also in the first 90 days. 




    AMEX SUBs are once per lifetime, don't take a 25K MR offer.  And I get 10K MR per approval just for full disclosure 




    And here's my referral link again!  LOL

  9. 37 minutes ago, cv91915 said:

    Too late now, but I had 50k and no AF the first year.  Still happy to pick up the card, but if I'd acted two days ago I would have saved $250.

    Yes.  You also would have had gas at 2x for the first year if that means anything to you.  At least you'll get the $100 in restaurant statement credits in the first 90 days. 


    Some people reported that yesterday prior to the changeover the app links were dead. 

  10. 1 hour ago, cv91915 said:

    The 50k PRG offer is gone, at least in Safari/Private.


    Check your PM's.


    I have a refer a friend link for anyone else who wants one.  50K MR for $2K spend in 90 days and 20% cashback up to $100 for restaurant spend in the same period.  AF is not waived year one.

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