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Thread created 04-04-2012 by omghaxcode
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Preapproved means nothing really. I'm surprised you got that, but once you actually do the application, they may still decline you. They send thousands of these through the mail on a daily basis so...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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..then you have an account with them, yes? Usually Chase will extend offers to account holders like that.
You wouldn't get the same from Citi or CapitalOne though due to your limited credit...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Is it true I shouldn't spend more than 30% of my limit? The Chase banker I spoke to said 40-45% but I've read on these forums 30% is the most I should spend. Can I spend 30% then pay it off mid...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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$1200
is that decent for a first card? I honestly don't know
international travel charge
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Thread created 04-04-2012 by omghaxcode
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I have a checking account with Chase but definitely not in the 6 digit range. It barely makes 5 digits sometimes and I got approved for Chase Sapphire with a CL of $5k a couple of months ago. Granted...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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I was under the impression that I could. I'm probably wrong.
double checked, I can but there is an extra fee that makes it not worth it :(
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Capital One credit cards also do not charge a foreign transaction fee.
international travel charge
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Thread created 04-04-2012 by omghaxcode
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https://creditcards.citi.com/credit-cards/citi-forward-for-college-students/
Most of the spend X and get Y are targeted for people with established credit... As are the cards that have no foreign...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Out of the various cards that offer no international trans fee, the only one I see you qualifying for is a Capital One card.
Amex Platinum - not a chance - plus I don't see the $495 annual fee...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Sorry to break the news to you, but if your mom said "I have a credit score of 850 but have never had a credit card in my life", she is either very mistaken, or lying to you.
Now maybe the firm...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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I got the Chase Freedom today, was preapproved so I will have it in my hands by Wednesday according to the guy at the branch. Thanks everyone.
I also got the $100 if $500 over 3 deal.
international travel charge
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Thread created 04-04-2012 by omghaxcode
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uh oh, I forgot to mention I'm a student (soon to be graduating) and have little credit so that changes a lot in terms of what cards I can get. Are there any deals for like spend x in y months get z...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Yes, it is pretty decent for an unsecured card with zero credit history. Banks are much tighter then they used to be with credit lines. After you build up some history on this card, you should be...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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That is really good! I'm surprised to be quite honest. Congrats! Did you get the $300 cashback too?
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Basically what phonic said. They aren't a good card company, at all, but they will most likely bend over backwards to at least get you started.
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Is there a capitol one rewards card I should look at? I want rewards for travel and no annual charges.
international travel charge
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Thread created 04-04-2012 by omghaxcode
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The easiest way to get a no foreign transaction fee card is to get any Capital One card. You can get ones with no annual fees, cash rewards, miles, etc. I've found it's much more convenient to do...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Hey,
I'm going to be in Europe for 6 weeks and I want to get a card that won't charge me for transactions. I'm also graduating soon and I figure a rewards card might be nice to have. What I really...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Capitol one get a PIN overpay the card and you have a free ATM minus a local ATM fee :)
international travel charge
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Thread created 04-04-2012 by omghaxcode
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it says that the citi card has no annual fee at all... are you talking abou the citi card or chase sapphire
the Citi card doesn't work anyway since it charges an international currency fee:
•...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Rewards are based off of how much you spend on the card in total, not what your balance is at the end of the billing period or how you pay it off. So the best way to get the most rewards is to charge...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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First, there is no such thing as a "perfect credit score". That's a complete misnomer. Different companies use different scoring methods to determine whether someone is:
1) Approved for a line of...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Ok thanks for the advice. I think what I'll do is get a Chase freedom card for myself and my mom will get a sapphire that I will use while on vacation. Then next time I go on a trip I can use my...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Just a note, even if after the fact, but good thing you went with chase and not Capital One. I was in your situation like 3 years ago ( a student in college and about to go to Europe for a summer...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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I agree, Capital One sucks.
But, if you have bad/no credit, in many cases they are the only bank that will issue you an unsecured card.
international travel charge
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Thread created 04-04-2012 by omghaxcode
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citi preferred has no international fee, plus currently 30k-50k promo points (Approximately 300-500$ CB)
international travel charge
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Thread created 04-04-2012 by omghaxcode
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https://creditcards.citi.com/credit-cards/citi-thankyou-preferred-card/
Is that the Citi card you are referring to? I've never had a credit card so I'm not sure exactly what I'm looking for and...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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American Express charges a 2.7 percent foreign transaction fee for most of its cards, but in December 2010, the card issuer announced that it was eliminating foreign transaction fees for users of its...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Cap One
Chase Sapphire Preffered
Few others. The last is my fav :D
international travel charge
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Thread created 04-04-2012 by omghaxcode
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yea thats the card, but they run different promos offering points. When i got mine it was spend 3k in 3 months and you get 50k points which comes out to be about 500$ worth of Giftcards.
I used...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Of course I haven't seen it but she told me she has a score of 850. She is a lawyer and recently won a major civil case where she took home a lot of money. With that money she payed off her home...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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22, graduating from college. I have made a good amount of money through engineering internships but I did a free credit report and I have almost nothing other than apartment background checks and...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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they didn't send me anything. I was talking to my local branch about my chances of getting sapphire and they told me, "your credit can't be that bad because it says here you're preapproved for chase...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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+1 for the chase sapphire preferred, but after a year down-grade it to the regular sapphire (non-preferred) to keep your credit history and avoid the yearly fee
international travel charge
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Thread created 04-04-2012 by omghaxcode
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People's opinions and the "facts" can vary on how much you show max out in regards to Debt-to-Credit Ratio. I think 45% is kind of high, I would personally go with the 30% (or less) number.
What's...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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I spend a lot more than $360 a month. ($550 on rent + $700 on everything else) Is the best way to get rewards then to just pay off everything right away?
international travel charge
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Thread created 04-04-2012 by omghaxcode
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I got $100 cashback. Is there a $300 cashback offer?
international travel charge
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Thread created 04-04-2012 by omghaxcode
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You did well for a first card. I would be very happy with any money back and with a $1200 limit for a first card. Once you build up some more credit, you can always complete another offer in the...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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Yeah, Amex is good about that. And every card has a unique number (most banks have supplemental cards share the same number). And Amex offers the ability to restrict the credit line on a per-card...
international travel charge
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Thread created 04-04-2012 by omghaxcode
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I'm going to agree with phonic that I don't see how you can have an 850 credit score without having a card in your own name (business cards as an AU excluded).
I mean, I was able to essentially...
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