Reddit credit cards

Reddit credit cards. I started with a discover it and 4 years passed before i decided to learn more! The world of CC is not that deep so don't be intimidated. BEST OVERALL RATING ★★★★★ 4. It might fluctuate We use two business credit cards, Chase Ink for our everyday purchases and American Express (Gold) charge card for our shipping charges. They spent 400$ at a lululemon and took a 350$ cash advance. Updated: Oct 22, 2024. 4 Proven Steps to Increase The Odds of Application approval. Earn travel rewards with every purchase and bring your next big trip within reach. These can usually be acquired from your I personally find the app nice easy to use too and have got a credit limit that realistically I'm not even going to use 10% of. The amount of cards won’t keep your score down. Although the 2008 bank bailout is controversial among certain people, most economists (not Reddit economists) agree that they were necessary to put the US economy back on its The Amex charge cards are some of my favorite credit card designs of all time! The Green, Gold, Rose Gold, and classic Platinum Card designs are all beautiful. Read on to learn some of Reddit&#39;s credit card goals for the new year. Maybe it's just me or what. I realized that if I ever wanted to buy a decent car, if I ever wanted a home, if I ever wanted to get credit cards to make my money CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. I have never owned a credit card and only recently experienced applying for one. Basically, you pay them $200 for a credit card with a $200 limit. If yours doesn't work for you, maybe you just have the wrong card. 1. The ‘new card penalty’ is only from your youngest card. See their personal experiences, tips, and feedback on various cards and offers. We've rated dozens and are here to help you choose the right one for your needs. Members Online • SeaworthinessDue2481. Unlimited 5% cash back on hotels 18 Best Cash Back Credit Cards of November 2024. 9. And you'll get 10% cash back if you spend within the rotating quarterly categories. Treat it as cash and while swiping it you'll earn points most especially if your card is waived for life. Essentially, the trick with credit cards is to get you to buy items you don’t have the cash to pay for immediately. Compare the benefits, rewards, and drawbacks of seven popular cards, from Bank of America to Chase Sapphire Preferred. 2nd concern would be additional There's also something called a net gainer user. BofA doesn’t really bother with paying YouTube influencers to advertise for them, so you don’t see them as often if you start looking up credit card reviews online. Credit cards are so ubiquitous that even if you don’t use a credit card as a consumer you’re still paying transaction fees that have been included in the price of goods anyways The best credit cards for online shopping put money back in your pocket. Find out what Reddit users think will happen to their favorite cards in 2023, from fee hikes and devaluations to new launches and perks. They might not want to see that you just got another card last week RCBC Hexagon has the most to offer if you want a travel centric card because you get free lounge access and it allows you to earn reward points or air miles. As well as Open Either Discover IT cash back, or Chase Freedom Flex, if you had those three cards you pretty much set, at the following cards you Credit card benefits do not have a one-size-fits-all approach. First off, I applied for the CFU and the PayPal cashback card within seconds of each other and got approved for both, CL is $7k for the CFU, and $500, $500! for the PayPal card, how does this even happen. I also have a low APR CC through my credit union (around 8%), but that's not the question. Please ask questions and contribute your knowledge to the subreddit. I use one credit card and I’ve had three or four open at one time, but I still only use one. Hello all! Looking for suggestions on my next card. Most of the big name credit cards don't consider Walmart, Target, Costco, Sam's Club, etc. Basically, whatever you can pay with credit cards, use credit cards so you can accumulate points. If you buy a $2,500 couch and there is some random $0. The investigation for the credit card, which happened in 2013 or 2014, took 3 months or so. Their employees, who are located in third world countries and are paid meager A subreddit for discussing credit cards. The Platinum Card® from American I don't like juggling multiple cards or putting time into credit card churning so I keep it simple: Citi double cash for 2% cash back on everything Chase Amazon prime rewards visa for 5% cash back on Amazon and Whole Foods purchases (if you have prime). Updated: December 2, 2023 Rewards / Cashback Credit Cards with Active NAFFL Offers. After about a year, I was able to easily apply for a Citibank card with a higher credit limit because I Well a personal loan would be easier but I had a personal loan before and at the time I was struggling financially, that personal loan was a much bigger burden than the credit card debt I had at the time. Rates & Fees. Get app Get the Reddit app Log In Log in to Reddit. Had enough free clothes to redo my wardrobe. If the business loses the appeal, that’s the end of the story. I’ll break it all down in a series of shorter posts so it’s not just a wall of When you have excellent credit, you should qualify for nearly any credit card. Some need ccs to stretch their purchasing power by cutting big-ticket What is your income level (for credit card qualification)? Feel free to ask people for help looking up your credit score. I use my credit card for the mandatory spending and get free money. I've tried US Bank, which gives the best limit, but the integration stank. Hey y'all! A quick simple run down would be I'm 19, never had a credit card and pretty only understand the basics of it(use it and pay it off every month). When you get a credit card the bank will tell you how much credit limit is available on the card, that is your loan amount. 80%+ of cards we sign up for are business cards, which don’t go on your credit report or impact your credit score (besides a credit pull). They will give you more targeted advice as everyone has different needs. Sofi Credit Card: 3 percent back on everything for the first year, 2 percent back on everything after that. $599 20Kpts after first purchase 40Kpts when you spend $10,000 for first 6 months 25Kpts at anniversary if you spend $15K on the card during first year But if you guys want me to add other Credit Card promotions and there's enough demand, then do let me know and I can take a look at it and add them too. At least you gain access to the singular Sapphire lounge — that’ll show those morons with the Bonvoy Brilliant! By the way, your Your approximate monthly volume for credit card sales How you want to take cards (card-present or card-not-present) It will also help to have a basic understanding of the players involved in processing, components of cost, pricing models, and the common pitfalls. r/creditcardreviews A chip A close button. CNBC Select analyzed the top college student credit cards, digging into each card's perks and drawbacks, to find the best ones based on your spending habits. Nous parlons en anglais et en français. We don’t have an official business, just say we are a sole-proprietorship and we sell things occasionally on . Sports. With Here's some info on Amex pop-up jail: It refers to a pop-up message that may appear during an Amex credit card application process. i’m aware of the chase 5/24 rule but was wondering what credit cards i should get in order for now to start my credit journey off perfectly. If I have to go to the ATM to buy something I usually don't buy it. $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations. There are certain circumstances where lets say you get a new card with a promotional interest rate for 6 months. I recently received a text from my credit card asking if I made a specific charge. Most of the no fee credit cards offer similar cashback percentages on purchases, but some will offer a higher percentage for things like gas or groceries. Firstly, ignore all the marketing you see about “credit scores”. If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best Right now, I have an American Airlines card from Citi. You won't have to pay the credit card company back for that purchase until May 1st (depending on when you get your statements. You’ll only be approved for a maximum of two credit cards per rolling two months, three Credit cards are not the problem, but the spenders. Wells Fargo Autograph: 3x on travel. To keep the table to a manageable length while maximizing its utility for our readers, our criteria for listing a card in this table are as follows: This is my only credit card, but I also have a car lease that I've been paying, so I also have credit there. Pay the cards on time , DO NOT fall into debt, if you feel you have overspent one month leave the credit card at home and balance it out the next month i always maintain a max cap of 50% of your income to be used for credit cards. Same with the Prime card. Jae Bratton. But Skip to main content. The best beginner friendly setup would be to get the Amex Platinum Cashback Everyday and a backup card like Lloyds Cashback when Amex isn't accepted. It has a high fee of $450 however, you'll get $450 of Qantas flight credits through the AMEX travel site. It'll have less perks using it outside of the store compared to other cards but you get better I really don’t cancel too many cards. I’m 23 years old and I’ve never had a credit card or borrowed money in general. Your card is quite new so chances are mahihirapan ka pa to get another card. Each is set up It looks like in 2019 it's easier to buy btc with your credit card, than to make an order on amazon. Then they asked if I ordered a replacement card ten days prior A subreddit for discussing credit cards. 30+% should be a warning sign of a crappy card in general; I've never seen a credit card (not talking about AmEx charge card "delinquent rates") with that high an APR that was worth considering. Before, I had a banana republic card. r/PHCreditCards A chip A close button. So, I think that a good general rule of thumb is to pick a no-annual-fee card for the first card. Have your cash ready so If you regularly shop at places like Tescos or Asda, getting their cards will give you more in return than a basic cashback card like the Lloyds Cashback credit card. After your first year, those rates go down to 1% and 5%, respectively. Every credit card company has an underwriter who’s responsibility is to go over your credit profile. Target card: AMEX Cashback for transactions considered However, I can opt for installments in credit card online banking. It started out with an REI credit card as my first credit card a while back because of the $150 signup bonus (I think) and the 5% cash back. How many credit cards you should have all depends on how much you want to maximize your spending. $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U. Members Online • Longjumping_Wash_255. It is likely that numerous PH adults don't need a credit card. Discussion / Conversation I have been looking through all my Then apply for cards with a good return on those categories. What Credit Card is right for me? The answer is None if you are not disciplined with them. Call the Reconsideration line to increase the odds of your credit card application approval. Log In / Sign Up; Advertise I would start by browsing what the current top rated cards are on websites like The Points Guy, Nerd Wallet, Upgraded points to name a few. You still pay off the card monthly and that builds credit. And a ton of Americans simply do not pay the full balance on their credit card, and these financial institutions make lots of money on interest. Best of both worlds. This can help you get more cards, higher limits, and loans in the future. If you 100% of the time shop at Costco, your best bet is to get a Costco credit card. If your card gets stolen and used, you don't lose your money as it's insured. I’ve heard it all. I know, it’s horrible, I should’ve gotten a credit card long ago to build up my credit, I’m an idiot. I’d say my favorite is the Apple Card. For example, you make a $10 purchase on the 2nd of April. Hi all, I’m 22 and about to start a graduate job and would like to get a credit card to start building up my credit score. Log In / Sign Up; Advertise on Reddit; Shop r/freecreditcardnumbers: Get free and working credit card numbers with unlimited money to buy anything online . I'm considering a balance transfer card. The amount was credited back within the week, but I was told that if the transactions were deemed valid, I would be charged the disputed amount. ” They want to get a high earner/spender and get all of his business. Use this tool to find the best credit card for you. All in all, I don't typically spend more than $2,500 a month I have an unpaid credit card debt from 2018 it's around 60k principal amount, I wasn't able to pay it off dahil sa pagpapabaya ko sa pera ko. The delay from statement to payment due is usually There are very few "unknown" credit cards outside the cards offered by smaller credit unions. That’s the most important step. I've read lots of the same types of threads on here and taken a lot of the advice but wanted to see if I could get any further tips. Airline cards are useless with covid, but otherwise I would have recommended one like BA Amex. I'm recently out of school, and in the past year or so my credit card has gone from a 780 to a 621 due to 16,000 in credit card debt across two cards (freedom unlimited an discover IT). This is not a problem with credit cards, it's with the one who uses it badly. For one, a large part of your credit score (30%) consists of your credit utilization ratio, or how much of your available credit you actually use. If you just want a simple credit card, then you can just go with the one from your bank. Second, there are times when it takes forever for the Credit cards without annual fees are often the preferable choice among Malaysians, it's even better for first-timers as you get to build your credit score without having to worry about paying extra money on annual fees. These top 5 cards have the following criteria: Excludes multiplier categories and promos (if applicable) Find the best travel credit card to maximize your rewards or enjoy luxury perks. See the archived post and comments on the Learn what Redditors get wrong and right about the Chase Sapphire Preferred Card, a popular travel rewards credit card. Let's hack our way to more Are there still purple who don't know the difference between debit and credit cards? "Make as many purchases as you can on your credit card and pay it off every month" is poor advice. This article is very pro credit card, most people My wife and I use the Chase Freedom Unlimited for joint expenses. I’d be looking to spend between $3,000 and $5,000 per month and currently have a 750 credit score. Expand user menu Open settings menu. Learn about the rumors and Learn how to use credit cards wisely from Reddit, a forum site where users share their personal finance insights. They make the whole thing easy so you don’t need more than one card or have to think about which card to use for which expenditures. Free Credit Reports Info from FTC. Overspending with credit cards is a huge issue, as evidenced by the $5,000 on average in credit card debt held by Americans. Below is a list of no annual fee flat-rate (non-category) cashback credit cards with a minimum of permanent (non-promotional) 1. So obviously you have to give the money back to the bank. The Discover It has quite a few beautiful card designs. I have like 6-7k worth of electronic products from points purchases lol. I live in Los Angeles and my income is around $50,000. Now, I CNBC Select analyzed the top college student credit cards, digging into each card's perks and drawbacks, to find the best ones based on your spending habits. 4. I had a small loan of like $600, paid off early. 25 Qantas Points per dollar on purchases, I avoid any place that charges a card surcharge and my bulk spending is at stores such as Woolworths, BP, Bunnings, McDonalds all of which accept AMEX without a fee. When you charge on the card, it doesn't deduct from that deposit, they only deduct from there if you default on the card. Just accumulated over the years and I’ve had such a hard time paying it off. A credit card is literally a loan from a bank. No FICO or Experian score, but CreditKarma says I have a 620 because of the loan. This device is too small. Members Online • Ghostly_414. I understand where people who are four credit cards are coming from, but where I think they failed to understand is that some people have had their lives ruined because of poor credit card management. It only offers a 1. The Chase Ink card has no annual fee. With their new Freedom Rise card, it can improve your chances to get approved if you have $250 in a checking account with them. NO, it's not hassle-free, they're tagged as consumer durable Hi. I have 8 credit cards at the moment and I think that's a pretty low number for those playing the credit card rewards game. Those can be canceled after a year without hesitation. But here's what I hope will be a simplified version of the key points: Credit cards are basically tiny loans you take from whoever gives you the card. I started with my first rewards credit card last year to obtain Qantas Points. The offers are good. You'll get 2% cash back for all non-bonus category spend for your first year. Having a credit card is a great idea. Our American Express card has a $250 annual fee. I'm not looking for anything fancy, just trying to build up Setting actionable goals is always better than some vague resolutions. I don’t use this one too often (I have most of the gear I need) so I mostly use it for my Read below to find the best travel credit cards Reddit users love. Also, not particular with the credit card "rewards system" but I'm more after the discounts and perks that the credit cards/banks/merchants offer. A subreddit for everything about credit cards in the Philippines. Can't speak for any other cards out there at the minute as admittedly this is my first credit card, but it comes with a highly recommended from me 👍 r/creditcardreviews: Welcome to our Credit Card Review Community, the only place where you'll find completely unbiased, straight-to-the-point credit Skip to main content. We don’t have an official business, just say we are a sole-proprietorship and we sell things occasionally on At this point things have stabilized and I can pay all my bills, credit card included, but I can't really afford to pay more than the minimum. Valheim Genshin Impact Minecraft Pokimane Halo Infinite Call of Duty: Warzone Path of Exile Hollow Knight: Silksong Escape from Tarkov Watch Dogs: Legion. Customer care is easily accessible and responsive. Bank of America Citi Custom Cash® Card – Best second rewards card. Be sure to read sub rules before posting, use the resources Skip to main content. Some credit cards will offer a big bonus to open a new account, and spend a certain amount of money over the first few months. ⬇️See More Menu for FAQs and pinned posts. You also get free travel insurance if you book your flights using the card. 0 coins. I didn’t. I travel Many credit card gurus (including plenty of Reddit users) leverage their purchasing power to earn big rewards from their everyday spending. Also using a credit card to pay for stuff like utilities, gas or any recurring bill (as long as you don't spend over 30% of the credit line) is a great way to build credit doing basically nothing. 25 - 2. Literally just googling any phrase combo of "explain credit cards" will get you basics. It offers 4x Amex Matagal na itong card ko pero nakatago lang dahil naghabol ako ng Rewards points sa iba, only to be devalued (hayyyyy). If you are financially responsible and just pay the full card balance every month then there’s no reason not to put almost all your spending on a credit Learn if you have pre-approved Chase credit card offers by answering a few simple questions about yourself, with no impact to your credit score. Find out what credit cards other Reddit users recommend for different spending categories and purposes. I checked and yes I had the card. Premium Powerups Explore Gaming. . I'm pretty overwhelmed by the credit cards universe and would use your help. The rewards rate jumps to 1. Find out the best practices for paying bills, avoiding debt, and Two Reddit favorites for travel credit cards, for example, are the Chase Sapphire Preferred and the Chase Sapphire Reserve, while some of Reddit’s most popular cash back According to Reddit users, there is no top overall credit card, but several cards offer excellent rewards on groceries, gas, dining out, and travel. What I would suggest is try to use one if you don't have any, or ask financial Customer care is easily accessible and responsive. I found a helpful crypto credit card article, but these can be more marketing driven than reality driven (not sure BlockFi would be for everyone). It builds credit, gives you cash back and rewards and offers you better protection than a debit card if you had it stolen or hacked. 015 per point, giving you an effective earnings rate of 4. CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. I’d recommend a cashback card with no fees from one of the big banks. Although do note that you need to be a Hexagon member to avail the card (100k ADB RCBC Savings Account) Anyone who knows even a little bit about credit cards will tell you NOT to use it for availing instant cash. Based on the questions asked, you are viewing the use of credit cards from a wrong angle. 25% cash back on all eligible purchases after six months of on-time payments, then 1. If you are financially responsible and just pay the full card balance every month then there’s no reason not to put almost all your spending on a credit Im 18 and got my first credit card last month to start building up my credit score, it's a discover card with $200. And I've had the garnet and gold designs in the past. My parents were big on buying everything with cash, not going into debt, credit cards are evil, etc. Remember, you cannot close the fd and keep the same cc, its linked, so if you want the money, you will have to close the cc. If you haven't built up My second credit card (realistically, the first one I was able to get using my own credit) was the Blue Cash Everyday card with no annual fee. Up to 5% Reward Rate. I use cash for the optional spending. That is the loan money the bank has given you. 5%+ Cashback Cards. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information I really don’t cancel too many cards. + 2 more. Need Advice on Credit Cards, and Reddit Reviews If Possible Hey guys, I’m looking for the best credit cards in the U. My employer pays for my flights directly as well so my business spend is mostly restaurant, hotel, rental cars, and gas. Credit Card Tuneup or CreditIntro to help you find the A credit card with an introductory 0% APR period can save big on interest if you have a major purchase coming up. Say I'll a lot 50k for a month. 3M subscribers in the CreditCards community. It does have some interesting quarterly offers/temporary offers. To answer your question of who pays, in America the way a regular credit card works is the way a "revolving credit card" works in Germany. if it goes above that i will be F*&*&ed the next month :D I mean the really high-APR cards. A subreddit for discussing credit cards. Hey, 24f here. Capital One Venture X for a flat 2x on everything and travel rewards that cover the annual fee. Evaluate who you are currently traveling with and go from there. at Chase’ssecure website. My largest monthly payments outside of rent and car payments are entertainment, groceries, casual dining/restaurants, and gas. I just set this card as my default payment in Amazon. Card numbers are calculated by the card issuer and have different particularities: Visa credit card numbers begin with 4; Mastercard starts with 51,52,53, or 54; American Express cards begin with 34 or 37; JCB cards start with 34 or 37; Discovery cards begin with 34 or 37. Our experts recommend the best secured cards with low deposit requirements and low fees. Happy searching! UPDATE 1 : Thanks everyone for the upvotes, and for the feedback comments! 😊 Since meron din palang may need ng promos catalog, i will be adding more into it, especially for I didn’t have a credit card for decades. We'll hold Read Forbes Advisor’s guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles. Credit Card combos. Try Credit Card Tuneup to help find the right card for your expenses, or Nerd Wallet for their top cards in 2015. More than 6 mos age of your card is enough, having it a year is better. to be "grocery stores". And my FICO score went from about 770 to 824 today. Welcome to Canada’s official subreddit! This is the place to engage on all things Canada. A subreddit for discussing credit cards, where users share their opinions and experiences on the best cards for different categories and purposes. This guide covers dozens of cards from major banks like Chase, Amex, and Citi. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor Welcome to Credit Card Miles! Join us to dive deep into the world of credit card points, miles, and travel hacking. At this age you have no CIBIL Score, its better to make an FD right now and use the CC for 5 years or so. Its better to have long lasting cc so hold on Firstly you get 1. If I am not mistaken, they’re called Collection Agencies. $599 20Kpts after first purchase 40Kpts when you spend $10,000 for first 6 months 25Kpts at anniversary if you spend $15K on the card during first year Reddit offers online forums where users can talk about anything, including credit card missteps. Credit cards differ because the credit card company covers the charge and you pay them back at a later date. This is necessary if you want to optimize and be knowledgeable on credit cards. Whenever you pay with it, you are taking a loan out • I applied for and was approved for a Capital One Secured Credit Card. The American Express Gold I have an Apple Card, Citi Costco card, Wells Fargo Platinum and a card from my credit union. These are the cards I currently own: Security Bank Classic (CL 50k) -- might convert this one to Next Titanium para NAFFL. I personally would not recommend the PayPal credit card. I had a credit card from a major bank for quite a few years that had this feature available in their online banking portal. For example, if you travel constantly, travel-related rewards are probably much more valuable than cashback rewards for grocery shopping. What credit card do you suggest getting? I'm not a spender and I travel a normal amount (fly about 3-5 round trips a year). Credit cards offer cash back and/or points not available on a debit card. Milestones are easy to achieve. While posting a question/problem is List of 1. Other users comment on the list and share their opinions and experiences. If you pay each month on time and in full, you'll never pay any interest. 5% rebate but we have a high credit limit on this card, so we use it for that reason. Complete List Of Free FICO Scores. Share, Learn & Grow. Flat 1% cash back but at the time they had bonus categories that rotated quarterly that made the card worth it somewhat. Card Recommendation Request (Template NOT Used) Looking to A credit card is literally a loan from a bank. I would say it is the card at the top of the credit card pile for me, along with SBI cashback. Then I got the Apple Card and a few months later the Prime Rewards. ADMIN MOD Best credit cards that give 5% . Explore the best options for families, budgets, and purchases to find the perfect card for your situation. A flat-rate cash back card has the most straightforward rewards proposition. Resy restaurants or make other Was my first credit card as no one else would give me one when trying to build credit. Our experts evaluated over 3,400 credit card offers to bring you the best credit cards of 2024, including the top offers and deals in rewards, travel, cash back, and more. These cards pay unlimited cash back based on a set percentage of your monthly credit card purchases — typically between 1% and 2%. Racked up a ton of miles. On none of those three credit cards over the past 2+ years have I paid a penny’s worth of interest. I will be relocating to toledo this summer for a job offer and this will be my first time living alone (yay I guess) and I want build healthy finance habits early on. Credit cards are designed to be paid once a month after the statement generates. 1500, that is not "your money". First credit card was the TD Green Visa I got when I turned 18 and was grandfathered into the TD Cashback Visa. S. It would only be destructive if you are not using it right as well as any other tools. PHCreditCards Useful Abbreviations AF = Annual Fee CAD = Card Approval Date CDD = Card Delivery Date MSR = Minimum Spend Requirement NAFFL = No Annual Fee for Life NTB = New to Bank WG = Welcome Gift List of Flat 1. That’s not to say that credit cards aren’t great for cash management if you’re expecting a bonus or reimbursements. I have used Skip to main content. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information As for Credit Cards, there is no way to get Credit Card without FD. It would If you now have a new card under one year old, you can see a bigger dip. Capital One Quicksilver Student Cash Rewards Credit Card. Also Hier sollte eine Beschreibung angezeigt werden, diese Seite lässt dies jedoch nicht zu. The best zero-percent cards include options with long intro periods, and many I would, See if you can get a Rotating Categories Card, to augment those Cards, what I would do like someone else mentioned is see if you can product Change that to the Double Cash, and Custom Cash if you are able to get that. I like using these because most of our vendors only accept credit cards for the first payment, but I can still get points for these cards and use the travel cards for honeymoon booking A credit card is a fantastic tool. While on the phone they asked if I had the card. The card's points can be redeemed for travel at a rate of $0. I am a long timr BPI client so I got my first CC with them, and got approved easily. Decent rewards, cool physical card, and I like the app. Log In / Sign Up; Advertise Anyone who knows even a little bit about credit cards will tell you NOT to use it for availing instant cash. Members Online Yey thank you rcbc <3 In my personal situation, I have 3 credit cards and a mortgage. A user on r/CreditCards subreddit posts a list of credit cards that offer good long term value and benefits for various spending categories. Find out who should apply, how to maximize points, and what to avoid with this card. (It's currently 100,000 points for signup bonus). Hindi ka na kasi nagbabayad, kaya ang ginagawa ng nagpautang sayo (in this case Home Credit), imbes na malugi dahil sa bad credit mo, ibebenta nila sa mga collection agencies yung utang mo sa mas mababang presyo. r/IndianCreditCards: All about Indian Credit Cards. This was back when I was working minimum wage at McDonald's. Here are some of Reddit’s top picks for travel credit cards. Read Forbes Advisor’s guide to the best rewards credit cards tailored for the way you spend— whether it's cash back, points or miles. I've also used BOA, which had OK cash back, and better interest 1. Should I avoid the credit Skip to main content. I’m a pretty big fan of the Chase ecosystem, I use all three of my main Chase cards to maximize my points (which I typically spend on travel when I can) and I’m actually heading on my honeymoon in about 40 day. After acquiring my first non-cobranded Chase card I started using the Apple Card for only Apple related purchases where there’s a 3x cash return. There are many other good companies to open credit cards with that will not scam you and you will not have to pay them extra money that you have already paid by closing your balance. I've never done it though. ADMIN MOD In your opinion, what’s the best cash back card? Card Recommendation Request (Template NOT Used) A credit card is very versatile tool that will help you build your financial standing. Cashback credit card. I currently have the copper and Dawn of Discover designs. They’re not trying to capture a bunch of 21 year olds who are just trying to “play the credit card game. However, credit cards are a huge plus for those who need them. I was having to pay the loan and then pay bills on a credit card to afford to payment on the loan. There are have to payments in this world and there are optional payments. The bank cant reposses the groceries, pizza, beer, gas, Amazon purchases, HBO, and vacation and Why We Like It: The Petal® 2 Visa® Credit Card offers a $0 annual fee and at least 1% cash back on all eligible purchases. Redditors Love These Travel Cards. Here's how I rank some of the top 5 credit cards with best points or rebate value. Madali kumausap ng CS, madali magpa waive ng AF, madaming tumatanggap na merchants for installment, low forex rate (gamit na gamit sya actually during my last trip in Bangkok since it has a better rate than money exchange) and of course, madness limit (altho Got a flyer for Amex Gold card with 90,000 bonus points at sign up. What I do is set a cap. Like 5% back at Costco, 10% back on utilities, spend “X” outside Best Buy get $50-75 in credit, or chose category(air travel, merchandise, home improvement etc etc) get 5% back on. I’ve found it difficult for me to pay it off even when I put all of my money towards it and it’s extremely discouraging. I signed up with the American Express Qantas Ultimate Card and received 75,000 Qantas Points after spending $3,000 in the first 3 months. Case 4 and 5 are examples of misuse of credit cards. Please be respectful of each other when posting, and note that users new to the subreddit might experience posting limitations until they become more active and longer members of the community. Many require an excellent credit score, strong finances or years of credit history. When a dispute (the proper term) is filed the business has thirty days to provide documentation and appeal. No debit card will ever match the discounts, EMI plans that even a low tier credit card can offer. 5% back on everything else. This is the thing that credit card issuers watch out Most cards with annual fees are either (1) from predatory lenders or (2) "premium" cards with a higher minimum credit limit (so if newbies apply for a premium card, they're more likely to be denied because the issuing bank isn't willing to give such a high limit to people with zero credit). I’ve had a card under one year old for two years now. gw buta mengenai credit card, tp kayanya akhir-akhir ini ngerasa kalau butuh juga buat If you now have a new card under one year old, you can see a bigger dip. Many or all of the products on this page are from The best credit cards can save you $300 to $650+ per year compared to the average offer, thanks to uniquely valuable rewards, low rates and fees, and various special Compare hundreds of credit cards rated by NerdWallet experts for different needs and preferences. There's no minimum amount that you can charge to a credit card (although, some stores do have their own minimum since they're charged a fee for accepting credit cards) It would be so wonderful to share more advice on crypto credit cards. Skeptical about the fee structure/ annual fees, though. It indicates that you're NOT eligible for the welcome offer (sign-up bonus) for THAT specific card. Log In / Sign Up; Credit cards offer cash back and/or points not available on a debit card. First question would be if the dealership accepts cards for car payments. In long, it depends on the terms of the contract you signed for the credit card. Will I be Approved for my Card? It varies wildly depending on your Find out what advice Reddit users have for first-time credit card users. Get cash back into your card account on every eligible spending, every month! Typically the most popular choice among credit card Some are used for mortgages, some for credit cards, auto loans, insurance, etc. I've seen a few offers on Credit Karma for cards with 15-18 month periods 0% interest and 3% transfer fees. Here are our faves. This is where the real points are. List of 1. You can include your billings, pay your insurance. For personal spending we both use a 2% back on everything card, she uses the Citi Double Cash Card and I use the Fidelity Credit Card. List of Best Cashback Cards by Category. That's not so much of an issue now but Hi, post this before, but glad to help you with having a credit card. You can also search for credit cards using the various Canadian credit card websites If you have a bad credit score and also have never had a credit card, the likelihood of you getting a first unsecured credit card with a $1,000 starting limit is low. Hello Credit Cards India, I am a lurker here, have never posted, wanted to share my knowledge on credit cards. Some credit card YouTuber told you to get this card. NO, it's not hassle-free, they're tagged as consumer durable A subreddit for discussing credit cards. The right one for you depends on the kind of spender you are. Share your experiences, ask questions, and connect with fellow enthusiasts. Some have a single credit card for evvvvvvery transaction type. The real game is the new card bonuses. The student-friendly, low budget combo was what applied the most to me. I also have a ADAC gold credit card that comes with many benefits. Be sure to read sub rules before posting, use the resources Coins. I’ve been in the corporate Doesn't matter which card has the best SUB if you don't travel, or don't intend to travel with that issuer's travel partners. 5% on just about anything you can buy with mobile payments. I personally don't like "best" credit card posts and the like because truthfully it depends on the traveler. r/CreditCards: A subreddit for discussing credit cards. I use Amex gold for the 4% on dining and Marriott card for hotel stays. Maybe you're one of them. Read on for errors and mistakes you don&#39;t want to make. If you do get denied a loan or credit card, these letters can point you in the right direction of the problem. If you don't pay them back, they What is credit card churning? Put simply, credit card churning generally works like this: You identify several credit cards that offer a rewards currency you’re interested in — say, If you want one card and travel internationally, I have two recommendations. I don't know if that option still exists, because I've had it since forever. Let me just add do this, if I was the WF credit card designer I would have an all black card with a stagecoach all in gold across the front of it for my "gold" card. It does have a $450 annual fee, but I wasn't phased by it due to the $450 travel credit on Qantas flights through Amex Travel. Learn how to optimize your credit card applications based on your 5/24 status and rewards goals with the r/Churning flow chart. Start building or rebuilding your credit with a secured credit card. If you buy 2 items for Rs. Upon a quick bit of research I can see there are a huge amount of options so I wanted to ask if anyone had recommendations for a good first credit card. r/CreditCardsIndia A chip A close button. Lenders are required by law to notify you if an adverse credit decision was made because of your score or report. You're on your own doing research on it, though, because across six or seven calls I made to the bank's customer support to ask questions about it, I was never able There's also nectar rewards card if you use those, but with rewards cards you must pay it back in full every month or the interest is very high. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information How does WF make their stuff so ugly and uninspiring? All their credit cards look horrible and whomever is responsible should have to go back to working for a local bank. I'm new to credit cards as well and wanted to go the Qantas points route, so I opted for a Qantas American Express Ultimate Card, which I've just recently received. That’s the highest Bank of America®: This bank operates under what’s called the 2/3/4 rule, which is also unpublished. I have an Apple Card, Citi Costco card, Wells Fargo Platinum and a card from my credit union. 5% cashback on all purchases. Here is what we found while doing some research in the Redditsphere on the best credit cards Reddit users found and recommended to others. $200 Air Canada credit when applying via Air Canada in path offer (but not FYF)For Quebec : any $200+ purchase would qualify for $200 statement credit TD Aeroplan Visa Privilege. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. 5% after 12 400+ credit cards reviewed by our team of experts (See our top picks). It works like this – When your credit is so horrible that you cant get a real credit card to start boosting your credit, you get a secured card. Chase Sapphire A subreddit for discussing credit cards. Honestly depends on where you shop for groceries. ADMIN MOD “Best” Credit Card(s) & Bank . 27,000+ hours spent researching and reviewing That is because it makes sense to fill up the 5 slots for credit card applications within 2 years that Chase allows with cards that they provide (5/24 rule). It’s 5x on every purchase I make on Amazon. Great way to get 5% on a lot of spending when the rotating category cards don't have amazon. Got this because I was still under a year in building credit and wanted to build trust with this credit union so I could grab the card I REALLY wanted from them. According to this, The EWB Krisflyer World Mastercard is the best travel credit card since Citi Premiere Miles has since devalued it's points system. so I never got one. On Capital One's Website. Credit cards can be better to use as a credit card being compromised isn't as big of a deal as a debit card. There are lots of resources to read about credit cards. NFL NBA BPI Blue Mastercard - my very first credit card and the reference card for the rest of my credit cards. The @jacnel Student Combo Tangerine MC AmEx SC BMO SPC HomeTrust Preferred CB is king. I was at a 512. In exchange for this service, they take a cut of the transactions. This enables people with limited or no credit history to save money while they build credit, which should be the goal. Chase Sapphire Preferred® Card. 5% or more cash back cards. You may be approved for a secure card. To keep the table to a manageable length while maximizing its utility for our readers, our criteria for listing a card in this table are as follows: Find the best travel credit card to maximize your rewards or enjoy luxury perks. It's 3% Cashback on dining and takeout and 1. On average we each open a new credit card each 6 months or so, usually timed to be used for a big purchase to cover the minimum spend. 6. It was discontinued 6-7 years ago, but I’m sure your five year plan to acquire it will work out. Good luck. Citi Simplicity+ NAFFL (CL 35k) RCBC Flex Visa NAFFL (CL 27k) It’s not a Citi credit card company-it’s a SCAM company! Stay away from them. ADMIN MOD Credit Cards in my Wallet for 2024 . As long as you remember the golden rule about credit cards, which is not to spend money you don’t have. Coming from someone who started out with 0 knowledge on credit cards because parents didn't know much. Members Online • TheFacetiousDeist. Acceptance is nearly universal online and 8/10 offline where I stay. If you are from US you can check out buycoinnow. Many articles have been written on the best cards for different goals. For example, the no fee cash back credit card from BMO offers 3% cash back on grocery purchases. Discover tips on maximizing sign-up bonuses, Bilt Rewards, Capital One, Chase Ultimate Rewards, and American Express Membership Rewards Points. Point Calculator Card Comparison Tool. It can become a flat 2% card after I bank with the credit union for a certain period of time. You're given the option to cancel your application so that there’s no credit pull. because at least with a credit bike, the bank can come across the street and take the bike back and then sell it to someone else. My favorite card to recommend that is far from unknown but not pushed by the influencers a ton is th chase amazon card IF your already paying for prime. The card number or the primary account number is the identification Firstly, ignore all the marketing you see about “credit scores”. So I opened up my account and called them. I use this card for booking travel. List of credit card company phone numbers. Have to check which I didn’t open any credit cards specifically for wedding stuff, but I have two travel credit cards (Delta AmEx and Capital One) plus a Chase Amazon credit card. One way consumers get into trouble with credit cards is by making What credit card are you using for each one of these categories? Gas, Grocery, Food, Hotel, Flights, Streaming, and other purchases I recently got into the credit card game and I’m trying to see what others are using for these categories. Payments are applied instantly which I also like. Also keep on using it but remember to always pay in full and on time. Current cards: BoA Unlimited Cash Rewards (Secured): $1,000 limit, Sep 2023 Credit cards typically have better consumer protections than debit cards. 50 charge on the card after 6 months, some times you will get charged the complete interest over Don’t look at beating the annual fee with rewards look at how much you can beat the best free card option by at least the amount of the annual fee. Card Offers Just for You. Apply Now. Be sure to read sub rules before posting, use the resources linked in the sidebar / about . Written by. There are dozens of card options to consider if you’re traveling abroad. Contact the Reconsideration line of the credit card bank you’ve just applied Right I’ve had fraud disputes with a BDO credit (60,000) card and a BDO debit card (40,000). I applied for Unionbank Visa Credit Card and got denied after a few weeks post-application with no reason or rationale. The downside is you're restricted with SIA plus the AF of 5000 is non-waivable. Find the best card for cash back, travel rewards, intro APR, balance transfer and more. Mas okay pala talaga ang cashback para sa akin. Hello, gw lurker di r/indonesia sini. But a Credit CARD is nothing but risk to the bank. Lead Writer. Blue Cash Preferred® Card from American Express – Best for groceries. If you don't know your credit score it can help to mention which banks you are with as some of them offer free credit score calculation. com - they are established in London, but there is no problem with US operations; they have couple payment methods, i've been using their website for like 3-4 years now, very easy and safe I currently have around 13k in credit card debt. Source: I’ve owned several businesses over the years and accepted credit cards. Credit cards offer short term credit for people unwilling or unable to pay with cash/debit. I have a travel credit card from Sparkasse that reimburses me with all ATM fees abroad. My dad recommended I spend at least $100 on it, but my MIL told me to only spend up to 20% on it, which would be $40. They also have offers like get 10% CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. If you debit card is stolen they could potentially drain your bank account, if your credit card is stolen the most they can get is whatever your credit limit is and as long as all goes as it should you'll dispute the charge and never pay for it. If you currently have balances of Credit cards are cards that let you borrow money from a credit card company (lender). Both had decent interfaces with quickbooks. 25 votes, 71 comments. Have never done much traveling, but expect to do a fair bit in 2023/2024, so if Amex Gold isn’t a great card, would love some recs for cards that would help stockpile some points to use towards flights and such. Haven't redeemed points yet but have been accruing them at a steady rate. Find out which credit cards Redditors recommend based on their own experiences and reviews. I use this for anything that doesn't fall into another category and when abroad, and for cell phone insurance. 80+ years of combined experience covering credit cards and personal finance. Discover the top credit cards 2024 of November, tailored to suit various needs. If those same people have to choose between While there are hundreds of credit cards to choose from, they aren’t all easy to get. I charge on them every month and pay them in full every month. They might not want to see that you just got another card last week Hi I’m (24F) looking into getting a credit card to build credit score and learn to be financially responsible. Thankfully, it was a good fit; you’re the kind of person who orders off-menu from fast food restaurants. Open menu Open navigation Go to Reddit Home. I'm hoping to get people's real perspective especially if you have one of these cards already or another crypto credit card not A credit card meanwhile is worse, MUCH WORSE, than a credit BIKE. r/CreditCards A chip A close button. The big concern about getting cards close together is if the lender is inquiry sensitive. List of RFD credit card lists. One for gas, one for groceries, one for target, for for restaurants, one for Amazon, one for online and so on. Also, your credit card provider may provide this service. Log In / Sign Up; With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. (OTOH, during that period I have collected over $2K in cash back). Or, if that’s too much of a hassle, many banks offer flat 2% cash back credit cards (Citi Double Cash, Wells Fargo Active Cash). Members Online Bilyones ang kita pero bulok ang customer service at app! That would be a fun experience if you don't mind paying the bulk of the cost of the car in cash at the end of your billing period. I put $40 on the card every month, and paid it off I’m trying to maximize my rewards by getting credit cards for places where I spend the most day-to-day. Card Recommendation Request (Template NOT Used) Hey everyone, my first and The secured card is a credit card where the limit is secured by a deposit in the bank (A secured card with a $500 limit requires $500 in collateral from you). turned 18 6 months ago and just received my credit score of around a 700 starting off. Credit card wiki at PersonalFinance. Happy birthday and welcome to the world of credit cards OP! I suggest you get the Discover It student card. I didn’t have a credit card for decades. Read our reviews, compare card offers, and apply for the best credit card for you. You can start by using the pre-approval tools at Capital One and Discover to see what you'd be approved for. Others have already went into detail on the perks of it, but they extended me my largest initial credit limit on any credit card that I have, and that was back when I just turned Three years ago, after a wildly irresponsible youth, I looked at my credit for the first time in Credit Karma. Kung first credit card, mas madali kumuha sa bank kung saan may account ka na. xrdzqk nui gqyqyb pemya tvcslo ouzfw nsv ibmdz faqs fpfdw