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  1. Medical collections are how I found my way here originally. It’s not as black and white with medical. I discovered medical collections on my reports when attempting to finance a new car. After some digging, I found that it was for services rendered to me but was supposed to be paid by insurance. I had paid my copay. The provider dropped the ball on submitting to insurance and was therefore only partially paid by the insurance company. And I never received anything stating that the provider thought I owed them anything.
  2. Congrats! With a FICO of 755 and no negatives, you shouldn’t have a problem qualifying for most cards available. You should choose a card with a cashback/rewards program that fits your spending profile. What do you value most? Cash back, airline miles, hotel points, transferable points (MR, UR, etc.)?
  3. Generally, when you use your cashback/rewards for a gift card the redemption rate isn’t good. Usually less than 1CPP. I use Amex because I can rack up a ton of MR points that I can use for free travel. Well, I did during the pre-COVID times. Hopefully I can resume that sometime soon. If you go the cashback route, don’t settle for less than 2% with no AF.
  4. Amex has been slow to report new cards for the past six months or so. The new card will eventually be reported. Also, you can downgrade the Everyday Preferred to the no-AF version if you want to keep the card open. They should even issue a prorated refund of the AF you’ve already paid.
  5. Yep. I’d look for a card that has better rewards too. I use the Amex Amazon Prime Biz card for 5% back at Amazon. At Home Depot, I usually use an Amex Biz Platinum. I spend a lot there. Many months can be around $100K. So not having a set credit limit is helpful. Chase and Amex has elevated SUBs on some of their business cards right now. And neither will report to your personal reports (unless you default). I like not having to worry about having a statement cut and my other creditors freaking out over large balances posting. Take a look and see which available cards fit your spe
  6. Is that “Small balance credit” $2 that you left after paying off the rest of the balance? If so, maybe that replaced the rewards you’d have earned.
  7. Yes, you can hold both cards. If you apply for and are approved for one of them, you can then PC another card (can’t be a co-brand, Freedom series card works) to the other Sapphire card you want. But you are limited to one Sapphire SUB every 48 months.
  8. It’s still accurate. I’ve only ever had one HP from Amex. That was on the first card I applied for with them. Since then they haven’t bothered with a HP. Doesn’t matter if it’s a personal or a business card. I don’t even bother unfreezing my reports when applying. For reference: Latest personal card was opened in Nov/Dec last year. Latest business card was opened about two months ago.
  9. This practice is not unique to NFCU. Cross-collateralization is common amongst most credit unions.
  10. A simple search of this forum will show that you are incorrect. If you attempted this and yielded a different result, user error is almost certainly the reason.
  11. According to this, it can be expedited. https://www.doctorofcredit.com/which-credit-card-issuers-offer-expedited-shipping/
  12. I agree with centex. Use the Amex. They let you back in, and if you show them that you are a valuable (profitable) customer, they will allow you to get their other cards in the future. Not using the card won’t accomplish this. I’d recommend using the Amex as your main card. Each time you use the card, Amex collects a transaction fee from the merchant. That makes you profitable. Pay in full every month without being late. That shows you’re responsible. Use the discover for any purchases that fall into the quarterly 5% cash back categories.
  13. Incorrect. It’s called “The $2 trick” for a reason.
  14. Chase doesn’t report business cards to your personal credit reports. It may or may not appear on your business credit report, but business credit reporting is governed by completely different rules than personal credit reporting.
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