credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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i have a couple questions about things that impact credit ratings, but first let me outline my situation:
i have pretty good credit. ~750 last i checked.
long history of credit, long history of...
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
Applying for credit does ding your credit score, but only in the short term, so I wouldn't sweat it.
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
I just got another card a few days ago. Went down 3 points...score is in the high 700s
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
You can basically have as many Chase cards as you want. At a certain point they may take available credit from one card and put it on another (I do this to sign up for multiple cards for the sign on...
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
thanks it does. i don't really want to deal with annual fees even if they mean i get slightly better rewards. i mean i have one cc that i haven't used in like 2 years and i know if i had multiple...
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
does chase sapphire have rewards beyond the sign up bonus? does it matter that i already have one chase card?
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
Chase sapphire preferred give 2% on travel and dining and 1% on everything else.
Chase will issue you multiple cards. I have 3 currently, as long as its been like 30-60 days since you last...
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
1. maybe in about 3 years (mortgage loan). it will be pretty unlikely before then.
2. the rewards.
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
i'm leaning towards cash back. i mean i like travelling, but i'd prefer just getting cash and then possibly using that cash for travel (even if it means not getting as much travel bang for the...
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
I'm a big proponent of getting cards with no annual fees. If you have 3 or 4 different rewards cards (which is a good idea for someone in your situation) then you'll be splitting your expenses...
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
There are different kinds of rewards, primarily miles or cash back. Are you interested in traveling or just getting % back from each purchase?
A little off topic from above, but I would recommend...
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
Don't sign up for a credit card for a $50 credit. I'd shoot for a $400-$500 sign up bonus minimum. Chase Sapphire Preferred jumps out at me. The barclay's NFL card is another. Chase Sapphire...
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
Agree with the above, a $50 bonus is pretty weak. Google "credit card promos" or "credit card signup offers" and browse through a couple of the pages to see current promotions. Most promotions change...
credit rating questions (thinking of getting a new cc)
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Thread created 02-18-2013 by thikthird
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13 Replies
1,316 Views
I guess the main starting questions would be:
1) Are you going to be applying for a home loan or anything big like that in the near future? (If so, maybe wait until AFTER that process is done with...
