K****D
发帖数: 30533 | 1 I applied for 6 credit cards on 1/4/09.
2 were approved.
1 denied because "exceeding the max number of cards".
1 denied because "unable to verify information".
1 denied because "we no longer offer this card".
1 no news at all.
My credit score should be above 760. I used to be able to get all approvals
at that score.
Only 2 cards to do 0% BT, barely enough for emergency cash ah. 5555. |
a******g
发帖数: 1538 | 2 你这时候顶风作案。。。
今年利息这么低还搞什么bt啊，歇歇吧
approvals
【在 K****D 的大作中提到】
: I applied for 6 credit cards on 1/4/09.
: 2 were approved.
: 1 denied because "exceeding the max number of cards".
: 1 denied because "unable to verify information".
: 1 denied because "we no longer offer this card".
: 1 no news at all.
: My credit score should be above 760. I used to be able to get all approvals
: at that score.
: Only 2 cards to do 0% BT, barely enough for emergency cash ah. 5555.
|
K****D
发帖数: 30533 | 3 主要是用来emergency cash, 这样偶自己的hard cash必要起来可以全部投资，
一分钱emergency储备都不用。
【在 a******g 的大作中提到】
: 你这时候顶风作案。。。
: 今年利息这么低还搞什么bt啊，歇歇吧
:
: approvals
|
k***n
发帖数: 3158 | 4 你要说增加流动自己还好
emergency cash，不能指望bt的钱吧。真出了事情，bt的钱不靠铺
【在 K****D 的大作中提到】
: 主要是用来emergency cash, 这样偶自己的hard cash必要起来可以全部投资，
: 一分钱emergency储备都不用。
|
K****D
发帖数: 30533 | 5 why not? I do not carry debt larger than 1 year's salary.
Even if I do, my LD usually BTs 1 year later and pays off all my debt.
【在 k***n 的大作中提到】
: 你要说增加流动自己还好
: emergency cash，不能指望bt的钱吧。真出了事情，bt的钱不靠铺
|
P**a
发帖数: 1267 | 6 说是emergency fund，实质上还是借信用卡的钱来投资啊。不过是把一个口袋里的钱转
到另外一个口袋里来。。。 |
K****D
发帖数: 30533 | 7 //nod, 但是还是有原则的：
investment决不超过hard cash level, i.e., 投资账号之外的所有networth >= 0.
【在 P**a 的大作中提到】
: 说是emergency fund，实质上还是借信用卡的钱来投资啊。不过是把一个口袋里的钱转
: 到另外一个口袋里来。。。
|
W***i
发帖数: 833 | 8 BT赚利息越来越难了。
07年没有BT，08年BT了9个月，多的时候20多万，少的时候小10万，年均10万在赚利息
是有的。可08年的Form 1099还是比07年少了好几千，郁闷啊。过2个月，把BT清了不玩了
【在 K****D 的大作中提到】
: //nod, 但是还是有原则的：
: investment决不超过hard cash level, i.e., 投资账号之外的所有networth >= 0.
|
K****D
发帖数: 30533 | 9 too niu leh. How hard it is to manage the reward checking? I never dared
to touch that. The hardest part is the 10 debit card transactions. That'll
kill me.
玩了
【在 W***i 的大作中提到】
: BT赚利息越来越难了。
: 07年没有BT，08年BT了9个月，多的时候20多万，少的时候小10万，年均10万在赚利息
: 是有的。可08年的Form 1099还是比07年少了好几千，郁闷啊。过2个月，把BT清了不玩了
|
W***i
发帖数: 833 | 10 reward checking麻烦的地方是rate不能持久，transaction比较好解决，如果你不在乎
donate $120，自动设置好每个月10次donate $1，基本就不用操心了
【在 K****D 的大作中提到】
: too niu leh. How hard it is to manage the reward checking? I never dared
: to touch that. The hardest part is the 10 debit card transactions. That'll
: kill me.
:
: 玩了
|
|
|
K****D
发帖数: 30533 | 11 不是说要terminal transaction吗？要是online可以算的话，那10次太好办了。
【在 W***i 的大作中提到】
: reward checking麻烦的地方是rate不能持久，transaction比较好解决，如果你不在乎
: donate $120，自动设置好每个月10次donate $1，基本就不用操心了
|
W***i
发帖数: 833 | 12 no-pin based就可以，具体看这里http://www.fatwallet.com/forums/arcmessageview.php?catid=52&threadid=765803
【在 K****D 的大作中提到】
: 不是说要terminal transaction吗？要是online可以算的话，那10次太好办了。
|
K****D
发帖数: 30533 | |
h*******y
发帖数: 864 | 14 That's still very good. Amex used to give me $30K credit limit. Now, they
are not willing to give me more than $2K. I decide to cancel the card after
I pay it off this month. It is an insult to give me only $2K credit limit
and refuse to allow me to balance my credit limit among the cards.
approvals
【在 K****D 的大作中提到】
: I applied for 6 credit cards on 1/4/09.
: 2 were approved.
: 1 denied because "exceeding the max number of cards".
: 1 denied because "unable to verify information".
: 1 denied because "we no longer offer this card".
: 1 no news at all.
: My credit score should be above 760. I used to be able to get all approvals
: at that score.
: Only 2 cards to do 0% BT, barely enough for emergency cash ah. 5555.
|
k******u
发帖数: 3137 | 15 citi starts to ask me "security" questions for BT request online. Both my
and my LD's account has been blocked for 24 hr due to too many wrong answers
...
approvals
【在 K****D 的大作中提到】
: I applied for 6 credit cards on 1/4/09.
: 2 were approved.
: 1 denied because "exceeding the max number of cards".
: 1 denied because "unable to verify information".
: 1 denied because "we no longer offer this card".
: 1 no news at all.
: My credit score should be above 760. I used to be able to get all approvals
: at that score.
: Only 2 cards to do 0% BT, barely enough for emergency cash ah. 5555.
|
r****y
发帖数: 3412 | 16 admire
【在 K****D 的大作中提到】
: 主要是用来emergency cash, 这样偶自己的hard cash必要起来可以全部投资，
: 一分钱emergency储备都不用。
|
