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g*****i
发帖数: 4457 | 2 Different issuers have different policies due to different factors...
I just keep my cards active even every couple months
★ 发自iPhone App: ChineseWeb - 中文网站浏览器 |
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n*********y
发帖数: 474 | 3 任何信用卡公司在你们这些专家身上基本都是赔。。。好容易赶上你们年费或错过一次
payment还打电话把fee要回去了
但是很多老美留balance可以charge interest
业内大概的数据是80%收入是interest，13%是fee（年费，late fee，overdraft fee等
等），7%是transaction（2% for issuer bank） |
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g*****i
发帖数: 4457 | 4 从1开始是实打实的给你自己积攒信用的 100%的成功率
想要cb的话就要2 开张副卡 点数什么的都会给 一起给主卡 几乎也是100%
回头有了ssn让secured card的issuer给你update，能超到你的信用信息后差不多就可
以开始申请bonus卡了 |
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g*********e
发帖数: 14401 | 5 i heard from many people that their service is bad. I currently only have
one BOA CC with limited credit line. I tried to increase the line but in
vain. I also applied for other card issuers but got rejeted. Is |
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z****l
发帖数: 5282 | 6 ☆─────────────────────────────────────☆
aerna (aerna) 于 (Wed May 16 16:50:47 2012, 美东) 提到:
我有fidelity的ira，所以没有拿到UA，只拿到了Delta的50k，4月的时候开始搞apple
，到现在cycle有150k了吧，今天收到一封信，说“Our records indicate that the
following error was made: you did not open or fund a qualifying account.”
信的title是Please correct this error to get your Apple Gift Card
全部内容如下，有经验的说说要不要去联系fidelity还是就等着
One last step to become eligible for an Apple® Gift Card
Thank you for signing up to receive an Apple® Gift Card fro... 阅读全帖 |
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a**********c
发帖数: 70 | 7 第一个影响因素就是你的credit utilization使用状况~，有注释如下。可见控制在总共limit的20%内很重要。
Credit card utilization is defined as your total credit card balances divided by your total credit card limits. The utilization percentage is often correlated to your credit score.
Note: You do not have to carry a credit card balance from month to month to show credit card utilization. Simply using your card is enough to show activity, even if you pay the balance in full and never accrue interest. Credit card balances are reported by... 阅读全帖 |
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w*****e
发帖数: 385 | 8 是preferred吗? Signature超了只要还了就行
With Visa Signature you have the flexibility to exceed your credit limit
should you ever need the additional purchasing power. If your card issuer
authorizes a transaction that causes you to exceed your revolving credit
line, then you must pay, as part of your monthly minimum amount due, the
amount by which your new balance exceeds your revolving credit line.
普通卡可能会有over limit fee
建议你
1.致电客服，要求免掉可能的额外费用
2.要求升credit limit
3.取消刚才的交易，换张卡用 |
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G*******s
发帖数: 4956 | 9 Act now to earn 5% cash back (up to $25) on purchases - from gas stations to
restaurants to just about anything - made with your BankAmericard? Visa? cr
edit card account through September 30, 2012.
*To be eligible for this cash back offer, your account must be open with cha
rging privileges and you must register for this offer by September 30, 2012.
From the date you register through September 30, 2012, you will earn 5% cas
h back for purchases (excluding credits, returns and adjustments), up t... 阅读全帖 |
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A**********0
发帖数: 6942 | 10 从来没碰到过
每次收到就马上查余额
有时候都觉着是不是没必要查。。。
issuer
3 |
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h******d
发帖数: 267 | 12 好奇怪啊
我load的时候
提示说Your issuer may impose a cash advance charge for loading your wallet
from a credit card.
就是说可能算我cash advance吗？ |
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h******d
发帖数: 267 | 13 好奇怪啊
我load的时候
提示说Your issuer may impose a cash advance charge for loading your wallet
from a credit card.
就是说可能算我cash advance吗？ |
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s*********t
发帖数: 16647 | 14 As you’ve probably heard, Capital One® is now the issuer of your
Orchard Bank Credit Card account ending in xxxx. We’re excited you’ve
joined the Capital One family! Today, we’re letting you know where things
stand as your account transition continues.
At this stage, you can just sit back—there’s nothing for you to do!
Where you’ve been, where you are, and where you’re going:
Stay tuned, there are more details to come and
your new card will arrive in Fall 2013
Right now, continu... 阅读全帖 |
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A**********0
发帖数: 6942 | 15 visa/master/amex/discover all have 90 day purchase protection
differnt limits though
Are their limits on coverage?
Naturally, there has to be limits in place. Please note the limits vary by
each individual card and what’s mentioned below can change at any time (so
please check and confirm with issuer) but here’s a summary of what they
were at the time of writing:
With American Express, the purchase protection limits vary by card. On most
AmEx cards the coverage is up to $1,000 per occurrence, wi... 阅读全帖 |
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z****l
发帖数: 5282 | 16 ☆─────────────────────────────────────☆
michaelgn (短路) 于 (Sun Dec 16 18:56:40 2012, 美东) 提到:
已经好几个月了，之前因为太忙，有几次忽略了及时还款。结果这次提前了五天把信用
卡还空，居然还有一个interest fee and adjustment。有哪位大神能告知具体什么情
况啊？有没有同样情况的？
☆─────────────────────────────────────☆
memajia (人生何处不相逢) 于 (Sun Dec 16 19:05:40 2012, 美东) 提到:
there is term called "grace period", which is the period when you do not
need to pay even though you have spent the money. Because it comes at
default with credit cards. People feel it is always ther... 阅读全帖 |
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G******l
发帖数: 2087 | 17 今天刚试验完。。。
因为本身就有白金，所以amex的spg就关了。7月关的。今天又重新开了。。。。。。
其实是想没到一年，直接重开。。然后打电话，说能不能直接开了，还用那卡。。然后
他们说我关卡90天了已经，可以直接网上注册，或者直接电话开，但是要转人工，要等
会，所以直接就网上注册了。。
然后妙过了
Starwood Preferred Guest
Issuer: American Express Bank, FSB
Cardmember Namexxxxxxxxxx
Credit Limit: $25,000(Cash Advance Limit: $5,000)
Account Ending In: xxxxxxxxx |
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f**********n
发帖数: 3081 | 18 当然可以。为啥让register name address.
in case of a over charge, card issuer can charge back the over limit portion
, which might be several month after the use of the card. the merchant
will go after you to get the money charged back by the card issue
上面那位啥也不知道，上来就胡沁。 |
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p***p
发帖数: 173 | 19 当然不能CHARGEBACK。出了这种事情公司MASTERCARD ISSUER全包。既然卡刷过了必须
付钱给商户。否则MERCHANT货都出了管谁要钱？
只有类似楼上那位不懂装懂的脑瘫患者才会甘当圆大头。 |
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g********x
发帖数: 4671 | 21 还真是啊 看了下，在fee section:
Are there fees to schedule a transaction?
There are no fees to set up a scheduled transaction. Please note that your
credit card company may charge you a cash advance fee for loading money from
your credit card. Please check with your credit card issuer for details. |
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y****i
发帖数: 17878 | 22 according to my experience, at least in recent years, Chase is not that
sensitive to the hard pulls for applying for other issuers' cards.
on average, out of 12 cards I got every year, 3 or 4 personal and 2 business
cards are from Chase.
Chase seems to have its own, internal credit worthiness system, but it does
pull Experian on me every single time.
it is well known that Chase has been pretty generous in working with
customers and approving applications by moving existing credit around.
another... 阅读全帖 |
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m*****a
发帖数: 2609 | 23 this is called credit card churning. According to what I read. The Chase
bonus is life-time, namely even if you are approved for a second card, you
won't get bonus again. However, I have seen some posts in SD mentioning they
've gotten bonuses from the SAME Chase product (e.g. British Airline card)
more than once by waiting for one or two years. So you can bet your own luck
(and update us once you figure out). Remember even even they did get the
bonus more than once, it might have been true then... 阅读全帖 |
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m*****a
发帖数: 2609 | 24 this is called credit card churning. According to what I read. The Chase
bonus is life-time, namely even if you are approved for a second card, you
won't get bonus again. However, I have seen some posts in SD mentioning they
've gotten bonuses from the SAME Chase product (e.g. British Airline card)
more than once by waiting for one or two years. So you can bet your own luck
(and update us once you figure out). Remember even even they did get the
bonus more than once, it might have been true then... 阅读全帖 |
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G*******E
发帖数: 566 | 25 It is called No Preset Spending Limit, it does not mean you can spend
whatever money you want. It usually means you need to get pre-authorization
from your card issuer, they may or may not decline your request.For example
my citi card limit is 35K, but the stuff I want to buy is 38K, I will call
Citi to ask if I can purchase this 38K item using 35K card, they can
authorize this over the phone. After that I can use the card to purchase
this item.
The above is the safest way to get it done, someti... 阅读全帖 |
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b********i
发帖数: 2645 | 26 用citi identity的信用分数模拟 发现charge card和credit card是不一样的分类..
charge card的hard pull和new accout不影响分数..
上网看了看发现确实是说charge card如果按时付款是不影响信用的 不过如果不还款
肯定还是危害很大..
这样话对于想开卡建信用的同学可能不是好消息 但是对于已经好多信用卡了 不想浪费
hard pull的同学应该是很好的吧?
举例:kolhs的卡就是charge card 如果真的不算credit card不影响信用 是不是挺好的
个人开卡就是因为总去这家店 觉得开个store card蛮亏的 单纯想要coupon 不过一定
会全额付款的 一个hard pull也认了
但是如果真的不影响分数是不是太好了? 不知道是不是太天真了..
尤其是那些Amex的charge card..不会这么简单吧
自己上网查的结果..
Charge card issuers report your highest balance to date, or a “high limit,
” instead of y... 阅读全帖 |
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c******n
发帖数: 590 | 27 用credit card充钱貌似当cash advance 算。。
Cash advance fees for credit card loads may apply; please check with your
credit card issuer for details. |
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c******n
发帖数: 590 | 28 用credit card充钱貌似当cash advance 算。。
Cash advance fees for credit card loads may apply; please check with your
credit card issuer for details. |
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c**2
发帖数: 8496 | 29 or this is a set up by the HIGC issuer to create big sale by trapping people
buy tons of cards then stop people from cashing out. So they will have to
use only at the intended stores. |
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G*******E
发帖数: 566 | 30 depends card issuer
CHASE NO
CITI AMEX maybe |
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c**2
发帖数: 8496 | 31 credit card industry are merging just like airlines, in near future, there
will be just 4 or 5 US major issuers, just like airlines will only have 3
major US airlines soon. |
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b********i
发帖数: 2645 | 32 "Credit One Bank is one of the leading issuers of Visa credit cards
specifically for consumers who need to establish or rebuild their credit" 美
国人信用毁了rebuild时候可能用他家用的挺多的...所以也不是行骗 就是target 用户
不同 |
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c******s
发帖数: 1439 | 33 walmart的回信：
Thank you for bringing this to our attention. Here are the steps we’ve
taken to help protect you and the steps we recommend you take to protect
yourself in the future.
1. In order to escalate this issue to our Billing Department please
provide additional information Last name, First name, Order number, phone
number and the last four digits of your credit card.
2. If your credit card was charged for an unauthorized order, please
contact your credit card issuer to alert them of u... 阅读全帖 |
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c******8
发帖数: 1764 | 34 这破B银行我早就不碰了。
我CREDIT REPORT上唯一一个CLOSED BY CARD ISSUER记录就是这鸟银行给的。关卡理由
是我别家的卡BALANCE太高。属于高危客户。他家的卡我拿了BONUS就一直扔抽屉里没用了 |
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o****n
发帖数: 281 | 35 I heard that people can ask for a credit report if s/he gets a credit card
application rejection. However, I am not sure:
1. if we can still ask for a free credit report if the card we apply is
approved, as normally there is a hard inquiry during application.
2. if so, where shall we ask for that report? the card issuer or one of the
agencies?
3. when asking for this report, there is no more inquiries (soft or hard),
right?
Thanks for your help! |
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d**j
发帖数: 5290 | 36 rt
just register your default payment with an amex card (by amex, not sure if
3rd party issuers' card counts) and you get shoprunner for free.
https://www.shoprunner.com/terms/amex/ |
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b*****k
发帖数: 1110 | 37 If you're using a credit card, a card-issuer cash advance fee and
associated interest charges may apply. You can avoid these fees by using a
debit card.
cc買不是cash advance 嘛 為什麼還用cc |
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u****r
发帖数: 2053 | 38 最近也去开了BB，准备试试买VR，比较幸运的是旁边有家CVS还让cc买。看板上讨论
经常在版上看有关方面的讨论，也有快一年了吧，说说我的理解，欢迎补充或者指正。
风险之一：大额消费，来自CC issuer：比如Chase和Amex，如果CL不高，或者刚开始拿
到CC就去刷香草，亦或者以往花钱比较少，突然暴增，（500+3.95）x N,让发卡单位觉
得是high risk，可能会被FR或者关卡，感觉amex 和 chase的点数还蛮好用的，被关卡
有点得不偿失，所以想法应该是不要集中一个卡，分散到2-3张卡，for 5K limit per
mo，一次不要买超过两张。
风险之二：无限循环，来自AMEX：只买VR，只用BB bill pay cc账单，而且是exact
amount。这样让BB觉得是在abuse BB这个product，想法是多用bb的功能，bill pay 贷
款，房租，偶尔去ATM withdraw 一下，然后就是付cc账单时不要刚从VR load进来fund
就去付。
总之目前在用cc可以买到VR的前提下，这还是个低成本稳步积攒mile/pt的好方法，至
于能持续多... 阅读全帖 |
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u****r
发帖数: 2053 | 39 Retension offer to me is a courtesy card issuer for appreciating you as a
valuable customer, don't take it as granted. |
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n*******y
发帖数: 3337 | 40 Visa/Mastercard issuing banks make on average $808.44 in 'profit' per card/
per year.
For American Express issuers the number is $909.15 per card/ per year. |
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z****l
发帖数: 5282 | 42 ☆─────────────────────────────────────☆
mychase (morganchase) 于 (Mon Aug 26 16:15:29 2013, 美东) 提到:
有张nfl和us airways，今天申了他家的arrival卡，打电话过去recon，被要求重新
pull了信用记录，然后review了说要关了我所有的卡，因为他们发现最近有新的pull（
两年一共十几个），而且是closed by bank。当时一口血差点没吐出来，半天没回过神
来。。不通过就算了，怎么还把老卡关了………
请问closed by bank的话对信用会有不好的记录吗？是move on还是去投诉？以后再也
不碰barclays了-_-||
☆─────────────────────────────────────☆
boyok (boyok) 于 (Mon Aug 26 16:33:08 2013, 美东) 提到:
lz节哀，典型的偷鸡不成蚀把米啊
看来申太多了确实不好。
☆─────────────────────────────────────☆
... 阅读全帖 |
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l*****s
发帖数: 787 | 43 1. Liability 没有任何一种信用卡能cover.
2. CDW
a. Primary Insurance.
1) 免费：个人卡里只有United MileagePlus Explorer和United MileagePlus
Club这两种卡有这项benefit. 这个benefit是issuer提供的，不是visa组织。
2）收费：American Express的卡基本都可以，收费是$24.95 （https://www295.
americanexpress.com/premium/car-rental-insurance-coverage/home.do?source=
CCSG）
b. Secondary Insurance 其它信用卡基本都有secondary的benefit
求包子！求！
American |
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r******e
发帖数: 181 | 44 请教serve是怎么load credit card的？直接选credit card Add money吗？但是明明写着
Easily load money into your Serve® Account. Cash advance fees for
credit card loads may apply; please check with your credit card issuer for
details.
怕load 被chargeCash advance fee
谢了 |
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z****l
发帖数: 5282 | 45
yes with passport
can use it.
ask card issuer for fee schedule
wire transfer |
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s******g
发帖数: 42 | 46 why don't you call citi?
card terms change quiet often. it's better to get an answer from the card
issuer. |
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n*******y
发帖数: 3337 | 47 发信人: newjersey (NJ furniture dealer), 信区: EasyMoney
标 题: Re: chase关卡
发信站: BBS 未名空间站 (Wed Apr 2 14:05:43 2014, 美东)
Yesterday, 5:45 pm #160
mintcilantro
Join Date: Nov 2011
Location: SFO/SJC
Programs: UA Gold, HHonors Gold, Club Carlson Gold
Posts: 517
My total MO deposits to chase are no more than 5k total. I used other
accounts for depositing MO. I would only deposit to Chase in case i was
going to have a shortfall for an upcoming payment and the deposits were done
at ATM. My cash dep... 阅读全帖 |
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e*******e
发帖数: 9616 | 48 其实walmart没啥loss，我觉得：
１。手中现金流／物流／赢利都很强，世界首富，收纳点bb小意思。
２。这些钱不挣其他地方也issue mo,就几毛钱，还不如自己收了，加强自己的现金流
３。walmart/amex都有共同的利益开始自己的banking branch,以满足新的credit card
issuer条理，所以bb／serve暂时不会死。 |
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s*********t
发帖数: 16647 | 49 这个东西我倒可能了解
同一个issuer，同一个卡的database，一般来说，几种不同brand的卡虽然网站不同，
但是最终指向的database是同一个，只是你这个onevanilla网站链接数据库出了问题
类似的还有shell gc的查询，有时候要到兄弟网站去查balance才能查到 |
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n*******y
发帖数: 3337 | 50 On Nov. 4, the Consumer Financial Protection Bureau lifted a restriction
that had prevented stay-at-home partners, among other people, with access to
cash but no individual income, from applying for credit.
The restriction was established in the Credit Card Accountability
Responsibility and Disclosure Act, a federal law passed in 2009 partly to
keep young adults out of credit-card debt. But, according to a statement
from the bureau, this led to "otherwise creditworthy individuals" being
declined... 阅读全帖 |
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