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  1. This account is not going to fall off your report. The late payment from Sep 2015 will disappear after 7 years, but the remaining late payments will stay on for a full seven years.
  2. You took out a cash advance from your credit card? If so, there is no way to dispute this.
  3. Congrats. I'm surprised they approved you so soon after settling for less than you owed. I'd stick with one for a while and work on growing that limit before you try for more.
  4. No brainer for this deal in year 1. I get a lot of value out of the card, so it is a keeper for me. My wife has the CSR, and we are able to make them both work.
  5. You already have an installment loan (your student loans), so you might not get that much of a boost for doing this. You'd probably be better off getting 5 open revolvers instead.
  6. Do you have a mortgage, auto loan or any other debt from NFCU?
  7. Bummer. I don't have this offer on any of my cards.
  8. Therre was an article on TPG that said 10/06 was last day for 100k offer. Amex should tell you in the application process if you're not eligible for the SUB before you submit your application.
  9. I don't think any credit union can come close to matching the rewards I get on my favorite big bank CCs (Amex, Chase and BofA)...
  10. I don't understand how Capital One charging a fully-disclosed annual fee on one of their credit cards is their mistake. There were statements generated which you must have ignored. Do you get paper statements, or electronic statements? You can log into their website and see all or your statements.
  11. Did you do a dispute through Credit Karma? You should be dealing w/ each of the CRAs individually. And you should be using a paper copy of your report obtained directly from each CRA as your starting point.
  12. GetUpside is a good one for me. I joined in April 2021, and I'm up to $186.42 in cash back. It helps that the lunch places near my office always seem to have offers of 17-49% cash back available. One of the grocery chains in my area always has 11-15% available too. I don't use it for gas as I've found Costco to be cheaper.
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