P*******o
发帖数: 1396 | 1 Credit card 因为之前买东西花了钱，所以没等完全扣掉就还了钱，后来买的东西
cancel掉了。钱就退回来了。现在弄得available credit 高出credit line 800多。怎
么办？好像马上就到结账日期了，会不会扣钱啊。一时也花不出去这么多啊。 |
|
m*********s
发帖数: 2268 | 2 已经有groupon账号的童鞋可以拿到10刀credit，（有用得上童鞋赏个包子吧）
How it works:
step 1: Register by 12/19/2011 to become eligible to recieve $10 in
Groupon Bucks.
http://buylocal.groupon.com/holiday
Step 2: Shop fun gift ideas like cooking classes, skydiving, and spa
days.
Step 3: Buy a great deal from a local business before 12/24/11. Get $10
in Groupon Bucks.
$10 in Groupon Bucks will be added to your account by 12/31/11 (limited
to the first 150,000 registered participants who make an eligible
purchase of $10 or... 阅读全帖 |
|
c****i
发帖数: 625 | 3 在ebay上卖了个Iphone, 刨了手续费一分不赚。
今天 paypal 给了个 Case, 说 buyers filed a chargeback and
asked the credit card issuer to reverse payment。
The buyer claims that this purchase was made without authorization to use
the credit card.
有delivery notice, 还有buyer的feedback， 说了个Thank you.
我会去respond 这个case, 但我担心的是The credit card issuer decides if the
buyer's claim is legitimate.
这种情况下， 我会不会也有理没地儿说？ 好像credit card issuer's decision 就是
final decision, 不能上诉。 我也没有什么经验。
请大侠们帮忙啊。 |
|
e*******s
发帖数: 1979 | 4 deliver晚了预期的3天, 病人就发飙了, file了credit card dispute.
东西是一个used dell的笔记本, 500块钱的样子, 病人还说说东西不是like new
condition的, "the merchandise is not as described on the product listing
page." 这种应该怎么办呢
收到亚麻的来信如下,
Greetings from Amazon.com.
The issuer of the credit card used for order 107-5422026-0237038 has
informed us that the charge for this order is in dispute. The customer
claims that the merchandise is not as described on the product listing page.
Please issue a refund via the Amazon Payments system, or re... 阅读全帖 |
|
b****g
发帖数: 1204 | 5 local有人在卖Home Depot GC，打电话过去是一个老黑。告诉有7000刀store credit
available。我说我只需要一两千。他说这是少的，每星期都有成千上万的store
credit卖。
路边的李子肯定是苦的了。只是很好奇，从哪里能搞到这么多store credit？据他说是
收购后再倒卖。源头是什么？退偷来的货拿store credit也是要记录驾照号的。 |
|
z********0
发帖数: 9013 | 6 好像是不好转让
Electronic Credit Vouchers are non-transferable. However, someone else may
use one of your Electronic Credit Vouchers as long as that person is booked
in the same reservation as you, the recipient of the Electronic Credit
Voucher.
Please note, an Electronic Credit Voucher may only be entered once per
reservation and cannot be applied toward the purchase of more than one
ticket within a reservation.
不知道可不可以先用我的名义买一张可tranfer的机票？ |
|
w********t
发帖数: 5586 | 7 我想要的物品:
OfficeMax GC/Reward/Store Credit
单张面值:
For GC 25 or higher, (not store credit)
For rewards > 90 in one account
For Store credit >50 each card
可接受的价格(必须明码标价！):
.87 rate for Gift Card
.85 rate for store credit
.80 rate for ink/rewards certificate
物品新旧要求:
new in hands
邮寄方式要求:
email code or i choose FC+DC i pay
买卖双方谁承担邮寄损失(Required if not code only):
default
付款方式说明:
noncc paypal
其他补充说明:
minimum 200 trade
广告的有效期:
long term
物品来源:
我的联系方式:
PM
二手交易风险自负！请自行验证是否合法和一手卡！: |
|
s**********y
发帖数: 44 | 8 [出售]Southwest Airlines Credit (25% discount)
我想卖的物品:
Southwest Airlines Credit
单张面值:
$86.30
可接受价格:
$65 or best offer
邮寄方式要求:
s**********[email protected] or 站内
付款方式说明:
paypal
其他补充说明:
必须在Feb 13, 2012年前使用
我会给你一个code或者我可以帮你订机票
物品来源(Required for All Cards!):
Refund credit
能否证明是合法的一手卡?(Required for All Cards!):
一手，from my own refund credit |
|
z*****m
发帖数: 22 | 9 二手交易风险自负！请自行验证是否合法和一手卡！:
我想卖的物品:
1-year Zipcar Membership+$30 credit
单张面值:
$30 REDEEM BY 7/7/12
可接受价格(必须明码标价！):
$40
物品新旧要求:
NEW
邮寄方式要求:
站内/EMAIL
买卖双方谁承担邮寄损失(Required if not code only):
付款方式说明:
PAYPAL
其他补充说明:
Includes:
• One Zipcar membership
• Application fee ($25 value)
• Annual fee for one year ($60 value)
• $30 driving credit
•Must have your driver\'s license and credit or debit card handy &#
8226;Must be 21 or older
•Members must have valid U.S. driver\'s ... 阅读全帖 |
|
f****6
发帖数: 4472 | 10 co sell
Amex Delta Platinum credit card，你开卡得60000里程+$100，我再给你$70
Delta Gold credit card，你开卡得50000里程+$50，我再给你$70
Amex Starwood Personal and Business Credit Card，你开卡得25000点，我再给你$
80
Chase Marriott Premier Credit Card，你开卡得87500点，我再给你$50 |
|
d******n
发帖数: 89 | 11 credit 必须在11/22/17当天或之前用掉，有兴趣可联系，[email protected], Paypal
支付。
credit在两个账号下保存 一个账号有credit $ 299.85
另外一个账号有credit $91.25 |
|
k****o
发帖数: 728 | 12 Citi credit card被一个credit report公司无缘无故charge了20多刀，然后citi网上
account里针对这个charge直接我就要求dispute。一天后收到pdf通知说给我
conditional credit for dispute，问我是就这么算了，还是要继续dispute？要求签
字寄到citi。现在去看citi credit card account里把charge我的钱退了。难道是citi
嫌麻烦不想去dispute就自己出钱给我退了？ |
|
h****h
发帖数: 1168 | 13 here it is:
When you contribute funds to a Roth IRA, you probably only expect to get any
tax benefits on the other side of the equation, when you’re in retirement.
However, did you know that you can get a tax credit for contributing to a
Roth IRA? It’s true, you can get a tax credit for contributing to a Roth
IRA, or any retirement plan, is you claim the credit and if you satisfy the
requirements of the credit. The government wants you to save for your
retirement and incentivizes it with these r |
|
m*****u
发帖数: 1342 | 14 Amex is different from Visa/Masters. Amex issues credit cards, just like
Citi/BoA/Chase/Discover, it has credit risk. In the past, Amex card members
have good credit, opposite to CapitalOne. But this has been changed as they
aggressive issuing new credit cards in last few years... |
|
s****g
发帖数: 56 | 15 But I still suggest that you get a credit card.
When I applied for jobs, the employer checks credit history.
Credit card is different from debit card.
It not only help you build credit history, which you'll need when
buying a car or house, it also has some protections and benefits |
|
t*****9
发帖数: 33 | 16 印度人顾问公司，但好处是当data science第一人，和入职后直接跟大银行做，
project已谈好。现在就要人，有兴趣的朋友可以试试。MS/PhD 加四年经验。
-Need for a data scientist in NYC to build some scorecards for a lending
business
-The person should have knowledge of consumer lending, credit bureaus and
predictive modeling.
-Developing data-drives decision to build consumer credit origination/
underwriting scorecards.
· Work with the teams to build the credit scoring, pricing, and risk
scorecards
· Implement and test data-mining projects on our large data rep... 阅读全帖 |
|
F*D
发帖数: 361 | 17 【 以下文字转载自 Quant 讨论区 】
发信人: usajobs (usajobs), 信区: Quant
标 题: Quant Developer to Implement Front Office Credit Derivatives models
发信站: BBS 未名空间站 (Tue Jun 30 21:57:56 2009, 美东)
Structured Credit analytics group is hiring for a Quant Developer to work on
model implementation for the Structured Credit desks (CDO, CLO, Default
Swaptions & other correlation products) and Credit Flow businesses (
Corporate Bonds, CDS, CDX & ABX).
This is a great opportunity to join a team which is building out from
sc |
|
|
n*******9
发帖数: 3244 | 19 Senate Close to Deal Replacing Homebuyer Tax Credit (Update2)
By Dawn Kopecki and Ryan Donmoyer
Oct. 27 (Bloomberg) -- U.S. Senate leaders moved closer to an agreement
replacing an expiring $8,000 tax credit for first- time homebuyers with a
smaller one that would expand access to so-called step-up purchasers, two
people familiar with the matter said.
The deal would reduce the size of the tax credit to 10 percent of the sale’
s price, capped at $7,290, the people said. The credit would be availa |
|
Y********e
发帖数: 2445 | 20 不用砍。否则你的credit score甚至还会降低。
因为计算公式里有一部分是你的balance除以你的总credit line。
所以你的credit line越高，一般而言应越有利。只要都按时付清，没欠债就行。
你目前的credit score(767)应该已经能保证你拿到相当好的rate。
Don't worry. good luck. |
|
c********h
发帖数: 7827 | 21 Multiple credit inquiries for a consumer seeking to open new credit, such as
credit cards, retail store accounts, and personal loans, can hurt an
individual’s score. Applying for lots of new credit in a short period of
time is also viewed as risky and can cause a drop in an individual’s score.
However, individuals shopping for a mortgage or auto loan over a short
period will likely not experience a decrease in their scores as a result of
these types of inquiries.
http://en.wikipedia.org/wiki/Cre |
|
m*****i
发帖数: 1829 | 22 First Time Homebuyer Tax Credit Extended Into 2010!
Plus...A New Tax Credit for Certain Existing Home Owners!
It's official. President Obama has signed a bill that extends the tax credit
for first-time homebuyers (FTHBs) into the first half of 2010. This program
had been scheduled to expire on November 30, 2009.
In addition to extending the tax credit of up to $8,000 through June 30,
2010, the extension measure also opens up opportunities for others who are
not buying a home for the first time. |
|
h****s
发帖数: 16779 | 23 但是关卡的话短期会降低credit line，升高credit usage proportion，降低average
history of credit （maybe)，这些都会降低credit score。 |
|
|
H*****3
发帖数: 117 | 25 這個月之内，我們cancel了一張最早的credit card,因爲它需要交年費。另外兩人各申
請了一張credit card。還有，作了一個小額貸款(無息貸款買了一張按摩椅子)。原來
我們兩人的credit score大約都在730左右，現在想refinance，不知道我們的credit大
約會降低到多少呢？ |
|
d******n
发帖数: 2712 | 26 理论上说，拿到房贷之后，如果愿意从credit卡里借钱出来还mortgage，investor是不
会知道的。不过，credit卡的钱也是要还的呀。
如果还没拿到房贷，credit卡的line再高也没用，银行是通过income和assets来衡量还
款能力的，credit卡里的钱不是客人的assets。 |
|
y********g
发帖数: 344 | 27 家里的AC/Furnace十六年了。还能用，但寿命也差不多了。最近收到很多AC/Furnace
dealers 关于$1500 tax credit的促销。 说是tax credit 年底前过期。AC加上
Furnace报价差不多$6000 (95% efficicency),减掉1500 tax credit后大约$4500。
这个价格怎么样？
有人最近换AC/Furnace拿到了$1500 tax credit 吗？ |
|
|
l*****i
发帖数: 265 | 29 Just found out a credit collection of unpaid bill in 2010 reduced my credit
score to 680. I never received any letter/notice about this bill. How to
remove this credit collection? I would like to loan to buy a car soon so
need a better credit score.
Thanks a lot! |
|
r**********y
发帖数: 35 | 30 If the amount at dispute is small, you can do the following:
1. Become paying members of all three credit bureaus (cost you about 3*$15
per month)
2. Electronically dispute the unpaid bill. Tell them that you never heard
of this bill, it does not belong to you. In order to resolve the matter
quickly, you have to say that you do not owe the money at all. Do not
contact anyone else, only contact the credit bureaus. Contacting anyone
else will be evidence of you actually oweing this money. For a... 阅读全帖 |
|
d****g
发帖数: 153 | 31 两个月前，为了申请pre-approval，在一家银行查了credit，739， 差一分到
excellent
现在，为了要另外一个银行的pre－approval，这家银行必须要重新pull credit出来
不知道对credit score影响会有多大？我听说每查一次都会有影响，而我在excellent
的边缘，所以不想被影响太多。
高人指教 |
|
M*******e
发帖数: 54 | 32 夫妻两人一起贷款， 收入上没问题，但credit score有点怪：
我的 三个credit score为 797， 797， 796， LD的credit score为 693，693，679（
这个差别挺大）。
银行会怎么看我们的loan申请？ LD的credit score中他们会看那个？ 我们还能不能拿
到最低利率？
谢谢 |
|
c*h
发帖数: 33018 | 33 my credit scores dropped around 20 points because 7 times inquiries of
credit scores. Some of them were caused by credit card application.
some of them were caused by re-finance.
My credit scores were very good, over 800. No they are still not bad. |
|
h*****n
发帖数: 209 | 34 本来说好了有$3000的lender credit,
房子马上就要close，昨天收到escrow的closing cost清单，
发现没有包含这个$3000的lender credit,
问lender结果他说lock rate的时候已经考虑了这个credit。
但是lock rate的email里面根本没有提credit。
太欺人了，真想把这个lender给炒了，但是房子下周就要close，该怎么办才好？ |
|
r******d
发帖数: 1879 | 35 Usually seller's credit is seperated with loan credits. You should get both.
However, for purchase from builder, they have their designated lenders work
with them with some special deals, so they might imply that total credit $
10K are from seller and lender.
You can argue with seller for the credit "only" from seller, but I think the
chance is very slim. Also, for closing cost, if the rebate is more than
closing cost, you would not be able to get the money back. You either use it
or loose it. |
|
r******d
发帖数: 1879 | 36 You dont need to pull your credit score each time at all. Evey hard pull
will reduce your credit score by a few points. Just use same criterias to
each agent when you compare the rate as blueangel list below, only permit
the agent to check your credit once you make final decision to work with her
/him.
Lenders will pull 3 credits and use the middle one to qualify your loan. If
there are two borrowers, lender will choose the lower one for the rate quote
. |
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b********3
发帖数: 994 | 37 LZ找的是broker吧，这个很充分说明了broker和lender之间的connection。
Broker不能帮lender决定这个事情，但如果直接找的lender借钱，这些问题都是可以谈
的；或者是有经验的broker，在把这些提交给lender之前，都会斟酌的。
比如像LZ碰到的情况，反正是$1500 credit，为什么要写repair credit，难道就不能
写成closing costs credit吗？反正对各方都一样。
Lender担心的不是credit amount本身，而是房子本身，这跟inspection report关系不
大，只要appraiser说这个房子可以住人，Lender是很少question的，但如果你突然冒
出来说，这个房子要修，不管是200块钱修，还是20000块钱修，只能证明一点，房子有
问题；而房子又是贷款的collateral，collateral有问题，银行当然不愿意借钱。 |
|
d****g
发帖数: 1542 | 38 当然我的例子不代表所有例子都会这样。
我房子银行要价10万。我第一个offer是full price，但要银行给2000 closing fee。
我的中介说这样比较好看。交上以后，第二天银行给信说有三家下单，再给每家一次机
会重新make offer。银行是大爷，其实他们这样做真不要脸，当然你没办法。
这样的情况下，我的中介建议我去掉索取closing fee，争取拿到合同。我改为出价加
两千，还是要closing credits。
结果拿下合同。
当时还是很担心是不是出价太高了，不过因为看房子很累了，疲了，想想其实为几千搞
来搞去也没太大的意义。最担心的是房子拿到了，有严重问题，很多费都交了，是不是
即使inspection后退出也会损失几百大洋。
其实想通了也没很么，干什么没风险了？
这是我第一次买房子，什么经验也没有。中介告诉我如果房子出现了大问题，银行是有
可能给修或者credits的。我也是将信将疑。
inspection后，房子没有超大问题，但是各种问题写了58页。最大的问题是房顶只有2
到3年寿命，空调坏了，还有所有的窗子foggy，有的门可能要换。前两个问题是在下
o... 阅读全帖 |
|
c**********e
发帖数: 1184 | 39 出Pre-Approval Letter是一定要hard pull的，hard pull会对分数有一定影响，但是
短时间内同一类型的hard pull在短时间内对credit不会有太大影响，比如您去买车，
Nissan，Audi，GMC都pull了您的credit，但是对信用分数并不会有什么影响。
再者，broker和lender之间的credit report都是可以transferred，一家pull了以后，
可以要一份copy,上面有一个reference number，这一份report可以被其他人使用，这
样一来就避免了重复pull credit。 |
|
p******y
发帖数: 3523 | 40 其实不用买带分数的报告，如果discover的免费FICO只有705，那么申请贷款时pull的
credit成绩恐怕还不足700呢。
只需要按楼上提到过的那个网站去要免费的credit history report就可以了，不带分
数的通常都可以免费拿到。
找到那个collection，尽快联系医院和讨债公司，首先要问清是否能够能够从3个
bureau撤销collection记录，如果他们不能保证撤销这个记录，仅仅能做到balance是
零，对于修复credit成绩意义不大。也可以联系bureau询问是否有方法撤销collection
记录并且修复成绩。免费的credit报告上会有一个10位的number，打bureau的电话，报
相关的10位号码就可以找到人问。 |
|
s********y
发帖数: 1670 | 41 5/1
2.75% with 0.25 point LENDER CREDIT to closing costs
5/5
2.875% with 0.625 point LENDER CREDIT to closing costs
Our closing costs are low at approximately 1400. The above credit will be
used to pay for our closing costs, remaining credit if any, can be used for
3rd party’s fees as well as all the prepaids.
请帮忙理解一下
我的理解是 如果我贷款 400K 那么会有 400K × 0.25%= 1000 用于 抵消 Closing
cost？
谢谢 |
|
c**********e
发帖数: 1184 | 42 是的您的理解是对的，credit为400K x 0.25% = $1,000
这个$1,400的closing cost包括所有的closing cost吗？还是说只是lender的费用就有
$1,400？您可以先问问清楚，因为每个lender的费用是不一样的，所以楼主应该看看除
了lender fee以外还可以拿到多少credit去cover诸如title insurance，transfer tax
等其它的cost。
怎么样比较选哪种利率好呢？400K的贷款2.875%是拿2500的credit，每个月payment为
1659.57；2.75%是拿1000credit，每个月payment为1632.96。1659.57 - 1632.96 = 26
.61（每个月省的钱），(2500-1000) / 26.61 = 56.36个月（4.69年），也就是说低利
率的每个月payment的优势在4.69年以后才能体现出来，如果4.69年之内房子卖了或者
是refi了选低利率就亏了，因为高利率的多的credit是在close的时候就拿到了。
实时利率查询：
http://www.m... 阅读全帖 |
|
c**********6
发帖数: 1226 | 43 而且要credit完全是我们agent的主义，我们当时到没觉得非要credit跟卖家纠缠，但
是我们agent就像打抱不停似的直接发了几千的credit。要不要的到我们到没觉得很抱
希望，可是卖家直接回复不会有任何credit让我们agent都给我们发邮件说非常
disappointing，问我们现在怎么办。我们是喜欢房子不喜欢卖家态度，这种情况该怎
么办？ |
|
c*****4
发帖数: 900 | 44 如果新的agent使用的credit agency和之前的agent是一家（比如都是CREDCO），那么
可以使用同一个credit report，用序列号重新reissue一遍就可以。如果不是同一家
credit agency那就要重新pull了，这次hard pull和买房的应该是要算两次了。一般来
说同一类型的credit hard pull短时间内只算一次，但是相隔两个月算比较久了。
rate |
|
y**i
发帖数: 1050 | 45 大家好，
现在买个房子，贷款15万。现在差不多要LOCK 利率的时候了，但是不确定是拿低利率3
.25%少CREDIT好呢，还是拿高利率(3.5%)多CREDIT好呢？ CREDIT也就相差$1500-$2000
左右吧
一般大家如何想的呢？ 如果我想以后这个房子先住几年然后租出去，再买新房，或者
这个房子还是自己住，然后买房子投资。这个是我自己打算。
如果按照这个计划，现在是拿低利率好呢，还是高利率好。感觉有点矛盾。现在好像利
率已经上去了。16年中的时候好像利率最好的时候（2.8%)。不知道今后3-5年利率会是
在哪个水平。
我个人想法是，现在利率还是属于低利率水平，先用这个利率，自己手头攒点钱，然后
3-5年后可以投资或者买其他房子，这样3-5年后的利率如果比较高，我也可以多付些现
金。
大家如何觉得呢？
谢谢 |
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H***e
发帖数: 92 | 46 借人气问个房子的问题。
我买了个新房，到目前为止已经delay半年多了还没开工。昨天翻了翻合同，合同里说
两年内closing都无责任。昨天seller打电话来通报新进度，说考虑到我们等了很长时
间，现在的apt年底到期，明年短租的话会有loss，可以返些credits回来。我agent的
意思是只要几百刀，即明年短租和长租之间的difference。我觉得有点少，应该再多要
一些，理由是原本今年应该交房的，我本来不需要明年再续租三四个月的short term
lease（1500/月）。况且为了凑down payment我年初时把理财全卖了，还在高位换了美
元，这半年来已经损失七八千刀opportunity cost（今年大盘走势大家都懂的。。。）
，是不是可以考虑多要一些credits？要5千刀的credits可能性大不？大家来说说你们
跟seller斗智斗勇都要过多少credits回来过？ |
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s**d
发帖数: 200 | 47 嗯，不错，把quick summary转过来看看(credit to FWer citicardman)：
Quick Summary
(1) Credit line is based on internal score with the bank itself and all cred
it history from credit report.
(2) Best bet on getting credit limit increase is to lie about income and ask
for instant CL increase. The instant CL increase can be done once every 6 m
onths.
(3) 5% CashBack on gas and grocery for Citi Dividend card is going to stay a
s it attracts customers to CitiBank.
(4) it sucks but yes its true (that WalMart super |
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t**l
发帖数: 577 | 48 Score factors are the elements from your credit report that drive your cred
it score. For example, such elements as your total debt, types of accounts,
number of late payments and age of accounts are what determine the outcome o
f your credit score. Score factors can have a positive or negative affect on
your credit score.
Lenders must provide consumers with the most significant score factors when
they are declined credit.
Best Possible Score
Only 2% of the U.S. population has the best possible |
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q****a
发帖数: 464 | 49 Consumers in some parts of the United States will be entitled to one free
credit report each year beginning Dec. 1, using a Web site called
AnnualCreditReport.com, the nation's credit bureaus announced Tuesday.
Consumers can also call a toll-free number or mail a written request.
The free annual credit checkups were mandated by the Fair and Accurate Credit
Transactions Act, signed into law last December by President Bush. The law
includes a number of provisions designed to fend off identity thef |
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b****b
发帖数: 199 | 50 You can find answers to ALL your questions (and beyond what you could ask)
about creidt report and credit scores here:
http://www.artofcredit.com/phpBB2/viewforum.php?f=1
If you want to do credit repair (fix your broken credit profile, and dispute),
this is the only place you must go first.
问 |
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