Credit card reddit

Dec 8, 2023 ... PH Credit Cards Recommendations - What's a good credit card for me? ... Comparison of Miles Cards · NAFFL Credit Cards ... reddit.com/r/ ...

Feb 29, 2024 · The Platinum Card® from American Express. $695 (terms apply, see rates & fees) 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card ... I agree I save more money with Amex, on average, but I don't find Chase offers useless. Some of the ones I found worthwhile recently: 15% off at Hyatt Place/House, (capped at around $38, I think), Marriott (high cap, $85). 10% Back at Amtrak (capped at $9). 20% back at Quill (capped at $50. Bank of America has 2 secured card options that earn cash back: The Unlimited Cash Rewards Secured card earns you a flat 1.5% cash back on purchases. The Customized Cash Rewards Secured card earns 3% cash back in your choice of categories like gas, dining, online shopping, etc; 2% cash back at grocery stores, and 1% cash back on everything else. Ex. BOA customized cash rewards set to online purchases - 5.25% on online purchases, 3.5% on groceries ($2500 quarterly cap) BOA premium rewards - 3.5% on travel/entertainment, 2.625% on everything else. If you can't recoup the AF via the credits, then instead use their Unlimited Cash Rewards card - 2.625% on everything. The package offers a couple of additional niceties (e.g. a debit card with 0.5% cashback, free withdrawal from all ATMs in the country, and no fees for online transaction conversions, the credit card gets you in a couple of EU airport lounges, etc.), but even without that, focused usage can make the package a pretty good deal.Sep 24, 2022 ... r/CreditCards: A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar ...Not a big repost complainer but this "credit card" usually makes it to the front page of r/funny once a month with the same comments "lol dude you left your info on it" and "that's copyright infringement they won't let you that. i'm getting internet old, apparently. Reply reply.While some experienced borrowers worry about how many credit cards, others have different priorities. Whether you’re getting your first credit card or have less than ideal credit, ...

Aug 10, 2023 ... Keep it open, just put the card away in a file box. It decrease your utilization and improves your credit score/history indefinitely if you keep ...Feb 13, 2023 · Will probably get a third this year. Capital One Spark - 2x back on every purchase. Great secondary card for everything else. But reports to personal credit. Chase Ink Premier - 2.5% back on large purchases (over $5k) and …It's charge card limit v. credit card. I guess the point I should highlight is that Amex is easier to replenish after 5/24. Chase will somewhat bound you to velocity, esp early on. There are also perks grocery stores provide that office may not. Again, highly dependent on the person, their geography, and the options they have. Wells Fargo Active Cash is 2% cash back on every purchase with a $200 SUB and no annual fee. Comes out July 1st. This is a great card for everyday spending that isn't gas or groceries for you. Chase Freedom Flex is 5% cash back on rotating categories, 3% on dining and drug stores all the time, 1% on everything else. Aug 4, 2022 · Hello. I am looking to take every expense in my life and route it through a cash back card, for the cash back and the credit score. Someone suggested a 2.5% one from alliant, and someone has spoken of a 2% Wells Fargo. Would love to get the opinion of the credit card separate it on this.Jan 2, 2023 · And rounding out the collection of cards Reddit thinks may see some negative changes next year is the Capital One Venture X Rewards Credit Card. This is actually a newer card -- it was Capital One ... May 13, 2020 · NNJ1978. • 4 yr. ago. Given the recency of your delinquencies the Open Sky card may be the best bet. Cap One is forgiving once you actually pay/settle the old cards. That said, while rebuilding your credit is important and can be done simultaneously while dealing with old issues, for many it's best if their …

Ex. BOA customized cash rewards set to online purchases - 5.25% on online purchases, 3.5% on groceries ($2500 quarterly cap) BOA premium rewards - 3.5% on travel/entertainment, 2.625% on everything else. If you can't recoup the AF via the credits, then instead use their Unlimited Cash Rewards card - 2.625% on everything. 2024 Credit Card Recommendations. Card Recommendation Request (Template Used) Current Cards: •Bank Americard Platinum Plus Mastercard (rarely use, currently 0 balance) •Unlimited Cash Rewards Visa Signature (really the only card I regularly use for 1.5% cash back) •Customized Cash Rewards World MasterCard (used for the initial $200 offer ... I’ve got 3 different CCs with hefty credit limits. Even if two were to get locked somehow, I’d be fine. As for shredding the debit card, that was actually the recommendation of my banker at Chase. If I need to use my debit card to pay for something (which I haven’t in 6 years), it’s the same as cash, so I’d just get cash … The US Bank Altitude Reserve will give you 1.5¢ per point on travel purchase period (you can use 3rd party sites, get better deals on flights). But it’s not always certain. Someone else can talk about the nuance with that. So from the major banks, 1.5¢ is close to the best as you’ll get.

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Aug 28, 2022 · Venture X is one of the newest on the market but has a lot of potential to become number one in the space. Wells Fargo Autograph is probably the best no AF travel card (3x back on dining, travel, gas, transit, streaming and cell service). Not true as of 2024.I use Capital One credit cards for both personal and business. They have a very inexpensive annual fee, I think like $95 and they have the most robust reward system. You can not only use it to cash in for rewards (travel, amazon, etc ) but you can travel and then use purchase eraser later. As long as you charge it to your Capital One card you ...These are the cards to have if you want free shipping at dozens of retailers. Update: Some offers mentioned below are no longer available. View the current offers here. Looking for... Oldest credit card account age with you as the primary name on the account: 5 years, 4 months Number of personal credit cards approved for in the past 6 months: 0 Number of personal credit cards approved for in the past 12 months: 0 Number of personal credit cards approved for in the past 24 months: 0 Annual income $: $55K CATEGORIES Mar 1, 2024 · The Capital One Venture X Business card has a welcome offer of 150,000 miles. In addition, the card comes with many premium travel perks such as an annual $300 travel credit and airport lounge access, at a reasonable annual fee of $395. Business owners are also able to add employee cards for free. Cons.

While some experienced borrowers worry about how many credit cards, others have different priorities. Whether you’re getting your first credit card or have less than ideal credit, ...Jul 14, 2021 ... Credit and Credit/Debit Cards. Should I get a credit card? We do not recommend getting a credit card if you: Have no emergency fund. There is usually a 20+% transfer bonus to Aeroplan or Avianca if you have access to Chase, Citi, and Capital One. For point earning, SUBs earn points 3-4x faster than even the most optimized trifecta. The Chase Ink 2-player referral strategy is almost unbeatable and is the primary reason to stay under 5/24. Reddit has joined a long list of companies that are experimenting with NFTs. Reddit is launching a new NFT-based avatar marketplace today that allows you to purchase blockchain-bas...Redditors Love These Travel Cards. There are dozens of card options to consider if you’re traveling abroad. Here are some of Reddit’s top picks for travel credit cards. 1. Chase …Whether you are looking to apply for a new credit card or are just starting out, there are a few things to know beforehand. Depending on the individual and the amount of research d... cards everyone should have: Canadian Tire World Elite Mastercard (no annual fee) - bill payments for free and get extra CT money back. Brim mastercard (no annual fee) - Free foreign transactions. if you travel a lot, i like to have the Amex Platinum for the insurance, and lounge benefits. 4. You can view your credit card balance online on the card issuer’s website, on phone or email through a text message, or on an automated teller machine, according to Investopedia. Y...Jul 17, 2021 · 5 hacks I learned from Reddit that helped me save $2,500 with very little effort. ... tips, and advice that can help me pay off credit card debt, save more cash, fund my retirement accounts, and ...

Feb 29, 2024 · A second credit card offers the power to increase your credit score by raising your credit utilization ratio. If your current card limit is $2,000 and you spend about $1,000 on the card each month ...

Cdkeys is very legitimate and used by millions of people. It's legit but "advice" while using the internet always create a temporary digital card with a limited amount and single use, usually it can be done on your bank app. Been using CDkeys for …Dec 8, 2021 · sxiom. •. Citi Double Cash (2% flat-rate cash back - 1% after purchase, 1% after paying off balance, $25 minimum redemption, 3% FTF) - No SUB, but you can get another Citi Credit Card like the Premier which has a SUB and then after a year downgrade it to the Double Cash.Mar 8, 2024 · We came across very few instances of the profane or hyperbolic language so prevalent on today’s social media platforms. The following credit cards received favorable comments from Redditors. 1. Bank of America® Customized Cash Rewards credit card. at Bank Of America’s secure website. Nov 28, 2022 ... Just so you know, we've opened a new forum outside of Reddit to ask questions and get advice from our community; as well as to share privacy ...Feb 29, 2024 · Annual fee: $0. Other benefits and drawbacks: The most notable benefit of the Bank of America® Unlimited Cash Rewards credit card for Students is its 0% intro APR for 15 billing cycles for ...A subreddit for everything about credit cards in the Philippines. ⬇️See More Menu for FAQs and pinned posts. Members Online What Credit Card to apply for for first time userBudgeting money directly to the credit card category is primarily used when you first setup the credit card to budget for the starting balance, and to pay off unbudgeted debt from a previous month. I'd recommend doing it the way nYNAB suggests. I do 100% of our spending on CC and pay in full. Create CC as CC accounts.The package offers a couple of additional niceties (e.g. a debit card with 0.5% cashback, free withdrawal from all ATMs in the country, and no fees for online transaction conversions, the credit card gets you in a couple of EU airport lounges, etc.), but even without that, focused usage can make the package a pretty good deal.The package offers a couple of additional niceties (e.g. a debit card with 0.5% cashback, free withdrawal from all ATMs in the country, and no fees for online transaction conversions, the credit card gets you in a couple of EU airport lounges, etc.), but even without that, focused usage can make the package a pretty good deal.

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With the rising price of college tuition and textbooks, students need all the money saving tips they can get. A great way to save money is to get a better card, one with lower fees...Cred.ai is a checking account that gives you a credit card instead of a debit card. As you use the credit card, Cred.ai will pull the money out of the checking account to pay off the card immediately. This is how they keep reported utilization low each month. It reports to all 3 bureaus as a $1500 line of credit with 2-3% utilization every month.Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. There are even certain situations where a ...Jun 10, 2023 · Connect your international credit card with your Alipay account. When you scan the QR code to pay for something choose the US card as your payment option. Big hotels, stores and restaurants accept them. Otherwise you are out of luck. Use Alipay and set your non Chinese CC as a payment method.According to WalletHub’s analysis of 1,500+ credit card offers, the best secured credit card with no credit check won’t even charge you an annual fee. Plus, cards with no credit check still report to the major credit bureaus, giving you the chance to add positive credit history on a monthly basis.Feb 7, 2020 · Rewards Rate. The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. Its limited-time offering of 10% cash back for Uber and Uber Eats ...How about the PayPal mastercard, apple card or a discover much better first cards chase will probably deny you and capital one will bucket you into a 💩 card or worse a secured card with no path out. I say both. Chase has more cards and better rewards but cap 1 has the better premium card and customer service.Oct 21, 2020 · More benefits, more savings For travel, dining, shopping, fuel, groceries, and many more, there is HDFC Bank Credit Card for all your needs. You will get: Interest-free credit Amazing travel benefits Free Insurance Boosts credit score. Why you should apply from here: ️ 100% online process ️ Minimal …Apr 25, 2017 · I raised my credit score from 546 to 720 in 4 months thanks to you guys. Credit. Hello everyone, first let me say THANK YOU. It is thanks to you that I finally, for the first time in my life, have control of my finances and can breath easier. I wanted to share my story in the hopes that someone else who was in a similar situation as me, might ...Feb 8, 2022 · We reached out to our primary bank and they offered two options, one is a debt consolidation loan with a 10.5% interest rate for 4-5 years and the other is a home-equity loan with interest rate of 3.75 to 4.25 to a draw period of 5-10 years, this option would require $1,000 in closing costs and minimum loan amount of $20,000. ….

Citi Custom Cash, which has a 5% category based on your highest spend of the month. The idea is you put everything on it, and it averages out to be somewhere around 2-3% back. Citi is an awful bank though, so be warned. US Bank Cash+ is also a top tier card with 5% back on utilities/internet. I learned a new way to budget, how to get discounts on my bills, and how to get free stuff online. These and other tips have helped me save $2,500 this year already. …Sep 21, 2022 · The card can do up to 3% and has some other account bonuses. ApprehensiveRip9624. This is a good no frills no AF credit card. If you are a person who does not want to deal with categories, invests with Fidelity, and travel/airline/hotel rewards are of lesser value, this card is for you. It's also reasonably easy to cash out the travel credits, so the net annual fee is $75 for a $500 cashback bonus. Seems like the World of Hyatt card should be on there. 60k Hyatt points are much more valuable than 75k from Marriott even if they have a much smaller footprint. 500 (Debt) *.05 (Rate you must pay) = $25 (How much you must give them.) And with the Double 5 figure, it remains how much more you add to what you have spend. Assuming you haven't put anything new on the card, you still owe $500 in this example. you pay the $25 dollar minimum, and still own $500.If you are scared to get your cards info stolen, swipe your card, put your pin... as soon as you press "OK" and it says "Please wait", push a lot of buttons randomly. By doing so, the guy with the bluetooth will retrieve something like pin: 203301928301820198230813. Most of them don't even check for the "OK" buttons.r/creditcard: A place to find latest industry and consumer news regarding credit cards. For maximizing rewards go to /r/CreditCards or /r/churning.It's charge card limit v. credit card. I guess the point I should highlight is that Amex is easier to replenish after 5/24. Chase will somewhat bound you to velocity, esp early on. There are also perks grocery stores provide that office may not. Again, highly dependent on the person, their geography, and the options they have.While some experienced borrowers worry about how many credit cards, others have different priorities. Whether you’re getting your first credit card or have less than ideal credit, ...Budgeting money directly to the credit card category is primarily used when you first setup the credit card to budget for the starting balance, and to pay off unbudgeted debt from a previous month. I'd recommend doing it the way nYNAB suggests. I do 100% of our spending on CC and pay in full. Create CC as CC accounts. Credit card reddit, [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1]