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How do I figure... credit card debt - Fort Lauderdale Sun-Sentinel So you want to get depressed? You can use this calculator to figure out how long it will take to pay off that mound of credit card debt you have amassed. Fill in the top three boxes and get your answers on the bottom three boxes. Do not enter dollar ... Publ.Date : Sat, 05 Jul 2008 07:01:00 GMT Rogue trader costs TD - Globe and Mail Toronto-Dominion Bank , which painstakingly avoided the subprime mortgage trouble that forced its peers to take massive subprime writedowns, said it was taking a $96-million hit yesterday after discovering that a London trader had deceived the bank ... Publ.Date : Sat, 05 Jul 2008 07:44:00 GMT Older stamp-vending machines removed from Seattle post offices - Seattle Times Vending machines selling postage stamps have been removed from every post-office lobby in the Seattle area, but a local postal official said consumers have other convenient options to purchase stamps without standing in line at the post office. Liz ... Publ.Date : Sat, 05 Jul 2008 07:01:00 GMT Simplifying more complex tax forms - Baltimore Sun At some point, most of us graduate from the 1040EZ. It usually happens in our 20s and 30s. Finances get more complex. We buy a home. Or, if we're really lucky, our taxable income tops $100,000 -- too high for the simplest of forms. If you're new to ... Publ.Date : Sat, 05 Jul 2008 08:27:00 GMT Muggers lurking in the shadow banking system - Globe and Mail After another dreary week in the global markets, marked by thinning volumes and deepening gloom about everything from the state of various economies and the shaky health of the financial heavyweights to the future of commodities, it was no time to ... Publ.Date : Sat, 05 Jul 2008 07:51:00 GMT Automate Your Blogging Display RSS Feeds on Your Website

Citi Platinum Select Credit Card Guest: creditcardman Post subject: Citi Platinum Select Credit Card Posted: Fri Jul 14, 2006 7:29 am Hi Everyone This is my first post. I would be applying for a citi credit card and after comparing various college cards i found out that this purticular card doesnt provide any rebates compared to the MTV one or the Dividend Select or the Drivers Edge. Why would anyone apply for such a card when others with rewards are available in the college category? CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards! Guest: DavidPalmer Post subject: Citi Platinum Select Credit Card Posted: Fri Jul 14, 2006 11:11 am couldnt tell you off the top of the head, but most people i know while i was in college either had the Chase rewards card which is what i have or they had the dividend select. Guest: guessindigo Credit Expert (100+ Posts) Post subject: Citi Platinum Select Credit Card Posted: Fri Jul 14, 2006 11:50 am [quote="creditcardman"]Hi Everyone This is my first post. I would be applying for a citi credit card and after comparing various college cards i found out that this purticular card doesnt provide any rebates compared to the MTV one or the Dividend Select or the Drivers Edge. Why would anyone apply for such a card when others with rewards are available in the college category?[/quote] Low rates, high credit lines. Rewards cards carry a higher apr Guest: creditcardman Post subject: Citi Platinum Select Credit Card Posted: Fri Jul 14, 2006 12:04 pm I dont think that is the case with Citi College Cards. All the Citi College Cards carry an APR of 18.24%. Author : CardRatings.com Credit Cards to Establish Good Credit Guest: nefertiti66 Post subject: Credit Cards to Establish Good Credit Posted: Thu Jul 13, 2006 10:28 am My credit score is 751. No current credit cards, school loan 24k and in good payment status for 3 years (federal loan) and one credit card i paid off 6 years ago 1100 that was left from college. I want to get a credit card to establish good credit (paying off everymonth and only using 30% or less of the limit). I applied for the citi dividend and was denied. I was told that cap 1 does not report limits and will be negative on my report if i get one???? What card SHOULD i apply for ? I have an excellent score but no current cards (the reason why citi said NO to me) Please help! CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards! Guest: phantomega1 Post subject: Credit Cards to Establish Good Credit Posted: Thu Jul 13, 2006 10:36 am I would say go for AMEX or Discover. They have good name value, decent APRs, and from what I hear they will give you a decent limit. Bank Of America is really good about giving generous limits also, but they don't have the rewards that you can get from AMEX or Discover, and since you plan on paying off your card every month, you definately need a rewards card. I would encourage AMEX. I just got approved for their Blue Cash card with a decent limit, even though I want it to be a little higher. Discover denied me two years ago, and I haven't decided if I want to give them my business and apply again. Good Luck! _________________ I can't commit. I don't even know if I like Pepsi or Coke. Guest: dascxs Post subject: Credit Cards to Establish Good Credit Posted: Thu Jul 13, 2006 11:31 am Amex always looks good. Blue or Costco TrueEarnings. Guest: hdporter Credit Expert (100+ Posts) Post subject: Credit Cards to Establish Good Credit Posted: Thu Jul 13, 2006 11:56 am Another tack is to apply for an "easy credit', maintain it for 6 mo, and then go after the big guys. Gas Cards are notable. Target is another. - H. Guest: multiplierx Post subject: Credit Cards to Establish Good Credit Posted: Thu Jul 13, 2006 6:35 pm My first advice is avoid most of the "easy credit". It's not needed and not worth having it show on your credit reports for the next decade. BOA is a good choice. You could try Amex or Discover. The other possibility is a credit union. Many credit unions will let anyone apply. Most CU cards have good "prime" terms. I'm sure you could easily get a credit union card. Your other possibilities are gas or store charge cards. It'd only take 1 of each to start good history. Just choose cards that you'll keep for many years. Guest: fire3000 Credit Expert (100+ Posts) Post subject: Credit Cards to Establish Good Credit Posted: Thu Jul 13, 2006 7:09 pm BOA is a little more lenient than Citi. If they decline you, they will probably mail you an invitation for their 99/500 semi-secured card ($99 deposit for a credit limit of $500 and the deposit will be refunded in less than a year if payments are on time). Discover is even harder to get approved for than Citi. If you can join a local credit union that issues credit cards and open up a savings account there, you have a good chance of being approved. Guest: hdporter Credit Expert (100+ Posts) Post subject: Credit Cards to Establish Good Credit Posted: Thu Jul 13, 2006 10:06 pm Quote: My first advice is avoid most of the "easy credit". I'm puzzled. I was the one who used the expression "easy credit", making it clear that I was noting accounts that are pretty accessible to lite credits (specifically suggesting gas cards and Target). You go on to suggest a gas or store card as possibilities yourself. Was it just an ambiguity in my wording? btw, welcome to the group. I get the feeling my posts rub you the wrong way. If so, it's unfortunate. - H. Guest: DavidPalmer Post subject: Credit Cards to Establish Good Credit Posted: Fri Jul 14, 2006 11:13 am go with BofA, which i got as my first credit card as a senior in college. I had no credit history, not even student loans, since i didnt have to take out any for college. They started be off with a $900 limit. You shouldnt get rejected because i at that point didnt have a credit history aswell, but then again i had been banking with them for over 2 years Author : CardRatings.com Discover Home Improvement Credit Card Guest: tonygoldston Post subject: Discover Home Improvement Credit Card Posted: Sun Jan 29, 2006 11:02 pm Hey, I know the HI card isn't on the website anymore. But I just saw an ad in a magazine for it. 5% back on purchases at home improvement stores call 800-326-8415 invitation # FAAN offer expires 3/15/06 tony CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards! Guest: Board Monitor Board Monitor/ Administrator Post subject: Discover Home Improvement Credit Card Posted: Mon Jan 30, 2006 9:31 am Interesting. Thanks for posting. Anyone have this card? _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Author : CardRatings.com Credit Card Limit on Balance Transfers Guest: AJ Post subject: Credit Card Limit on Balance Transfers Posted: Sat Jun 17, 2006 5:49 am Why do banks offer balance transfers and claim that you can use up to your available limit ( of course leaving a little left on the card ) then they turn around and say that you are using too much of the limit they gave you? For example, if you have 9k, how close to the 9k should you get? CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards! Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Post subject: Credit Card Limit on Balance Transfers Posted: Sat Jun 17, 2006 7:08 am Quote: "AJ" Why do banks offer balance transfers and claim that you can use up to your available limit ( of course leaving a little left on the card ) then they turn around and say that you are using too much of the limit they gave you? For example, if you have 9k, how close to the 9k should you get? LEAVE $100--$500 UNUSED Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Post subject: Credit Card Limit on Balance Transfers Posted: Sat Jun 17, 2006 7:56 am I'd keep it under $8,000 at least--and preferably under $4400. Banks seem to get nervous if you use more than 90% of your available credit. Banks are very happy if you use less than 50% of your available credit. I understand some people do what mouse suggests and go for years without any adverse effects. Others, though, say that they do have adverse effects when over 90%. Still others recommend staying under 50% as a strategy--that keeps your credit scores high and encourages banks to offer you intro offers at 0% and more BT offers at good rates. I know it's hard to keep below 50% when you have free money available. I have trouble doing that myself. What I do is stay under 90% at all times, and if the limit is small (for me, small is under $10K) stay under 50%. I have a few cards with limits of 40K+, so when I get an offer on those that I want to use I go for the 89% level! _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend" Guest: bullet875 Credit Expert (100+ Posts) Post subject: Credit Card Limit on Balance Transfers Posted: Sat Jun 17, 2006 10:42 am I spoke with a Chase underwriter yesterday and he suggests that you stay under 50%. Anything more than that ends to make the card companies a little nervous unless you have a lo9ng credit history. Author : CardRatings.com Credit Cards and Auto Insurance Inquiries Guest: dmband Post subject: Credit Cards and Auto Insurance Inquiries Posted: Fri Aug 25, 2006 10:57 pm I am thinking about checking a bunch of car insurance companies to see if I can get a lower rate and I was wondering what effect all the credit checks they do will have on my credit score. CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards! Guest: hdporter Credit Expert (100+ Posts) Post subject: Credit Cards and Auto Insurance Inquiries Posted: Sat Aug 26, 2006 8:14 am Per Equifax, these inquiries are treated similar to other informational inquiries and do not factor into your FICO score: Quote: What information is NOT used in calculating my FICO® score? Certain types of inquiries such as promotional, account review, insurance, employment-related inquiries, or inquiries when you request your own credit report - Harry Guest: maddybeagle Credit Expert (100+ Posts) Post subject: Credit Cards and Auto Insurance Inquiries Posted: Sat Aug 26, 2006 8:22 am Maybe they shouldnt but I know that they can be noted as hard inquiries and interfere with getting credit....I dont think it is worth the effort to get a lot of insurance quotes.... Guest: hdporter Credit Expert (100+ Posts) Post subject: Credit Cards and Auto Insurance Inquiries Posted: Sat Aug 26, 2006 8:29 am You've seen them show up in the hard inquiry section of your report vs. the section of Account Review/"only seen by you" inquiries? Not challenging your statement ... I simply have no experience in this area. - Harry Guest: maddybeagle Credit Expert (100+ Posts) Post subject: Credit Cards and Auto Insurance Inquiries Posted: Sat Aug 26, 2006 10:42 am yes...I think it happens often....when I applied for my mortgage refi a few years back....I had to explain inquires on my report....2 of them were for shopping for insurance....my existing isurance carrier just runs a soft inquiry, though....The same happens for many of my existing credit accounts (credit cards run soft inquiries)... Also, had a coworker get declined for a credit card because had just went insurance shopping...lots of hard inquiries.... I think others have had similar posts here also... 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