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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
Guest: Signature Post subject: How Often Should You Apply For Credit Cards? Posted: Sat Feb 25, 2006 10:14 am I was approved for a Chase Rewards Plus card in January. I want to get a Citibank Dividend card too, how long do I need to wait before applying? CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards! Guest: rapjunkie Post subject: How Often Should You Apply For Credit Cards? Posted: Sat Feb 25, 2006 10:49 am It's really a question of how well established your credit already is, and how many other recent inquiries you've had. If your credit is several years old, and you haven't applied for anything except that Chase card in the past while, you'd stand good chances of being approved. If the Chase card was your first card, and you haven't applied for anything else yet, the chnces are a bit slimmer, but there's still a pretty good shot. Either way, it'll just be one more inquiry, which won't do anything very significant no matter what, so it wouldn't really hurt you to apply. Guest: Signature Post subject: How Often Should You Apply For Credit Cards? Posted: Sat Feb 25, 2006 12:19 pm Thanks, I just applied and was approved. Author : CardRatings.com
Guest: ALex Post subject: Chase Credit Card Offers Posted: Fri Feb 24, 2006 9:44 am > 0% on Balance Transfers through the June 2007 statement closing date for Chase Visa Signature> GO TO Fixed rate of 8.9 % after Promo Rate expires.. > One detail that is different than any previous offer that I have received from Chase, is that on this offer there is a 3% , $10.00 minimum and a Cap of $75.00 Balance transfer fee , on the previous offers that I have received, part of the promotion stated that if you do a balance transfer when you apply for the offer that the fee would be waived... I called Chase at the telephone Number listed on the offer and The account manager that I spoke with said that Chase has made a Business decision in regards to the 0% offers, that due to the cost to them of borrowing the money that there will be a transaction fee accessed.... I can understand that and I have no problems paying the fee........ One question that I forgot to ask the representitive was , is there only one fee accessed for multiple Balance transfers for this offer or is there a Fee accessed for each one I also received an Offer from American Express Blue for a Rate for Life 3.9% for Balance transfers.. I discarded the offer, so I do not know that the Go To rate was, But I think that it was a Variable around 8.65% CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards! Guest: maddybeagle Credit Expert (100+ Posts) Post subject: Chase Credit Card Offers Posted: Fri Feb 24, 2006 11:10 am Quote: is there only one fee accessed for multiple Balance transfers for this offer or is there a Fee accessed for each one It is usually a fee for EACH transfer so pays to make 1 large transfer. Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Post subject: Chase Credit Card Offers Posted: Fri Feb 24, 2006 11:33 am I wouldn't be so quick to ignore a 3.9% for life offer from AmEx. It usually doesn't make such offers. The offers I get have no fee but are usually are at its standard rates for purchases. I've got nice credit limits from AmExp, but no way to use them really. With prime at 7.5%, even 3.9% is a steal. I'd put it in a 4.8% savings account. You can always pay it back if you can get a better deal from AmEx. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend" Guest: shooter Credit Expert (100+ Posts) Post subject: Chase Credit Card Offers Posted: Fri Feb 24, 2006 5:14 pm Polonius wrote: With prime at 7.5%, even 3.9% is a steal. I'd put it in a 4.8% savings account. You can always pay it back if you can get a better deal from AmEx. Who's paying 4.8% right now? I must have missed that one. Guest: maddybeagle Credit Expert (100+ Posts) Post subject: Chase Credit Card Offers Posted: Fri Feb 24, 2006 7:09 pm Quote: Who's paying 4.8% right now? I must have missed that one. try HSBC Guest: Board Monitor Board Monitor/ Administrator Post subject: Chase Credit Card Offers Posted: Sat Feb 25, 2006 9:43 am ALex wrote: > 0% on Balance Transfers through the June 2007 statement closing date for Chase Visa Signature> GO TO Fixed rate of 8.9 % after Promo Rate expires.. > One detail that is different than any previous offer that I have received from Chase, is that on this offer there is a 3% , $10.00 minimum and a Cap of $75.00 Balance transfer fee , on the previous offers that I have received, part of the promotion stated that if you do a balance transfer when you apply for the offer that the fee would be waived... I called Chase at the telephone Number listed on the offer and The account manager that I spoke with said that Chase has made a Business decision in regards to the 0% offers, that due to the cost to them of borrowing the money that there will be a transaction fee accessed.... I can understand that and I have no problems paying the fee........ One question that I forgot to ask the representitive was , is there only one fee accessed for multiple Balance transfers for this offer or is there a Fee accessed for each one I also received an Offer from American Express Blue for a Rate for Life 3.9% for Balance transfers.. I discarded the offer, so I do not know that the Go To rate was, But I think that it was a Variable around 8.65% Interesting...I have heard that Chase is eliminating the cap on their balance transfer offers. Don't know which cards this affects, though. _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Author : CardRatings.com
Guest: DavidPalmer Post subject: Credit Card Cash Access Line Posted: Thu Feb 23, 2006 6:33 pm Ok, I just received my new CC in the mail that I recently got approved for, however, I was wondering what is cash access line, because it says on my form that I have $160, however Im unclear what it is. Also, the card came with a check that says "use the check attached below to access your available credit". Do I have to use this check or can I just shred it. Thanks 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 Cash Access Line Posted: Thu Feb 23, 2006 6:45 pm DavidPalmer wrote: Ok, I just received my new CC in the mail that I recently got approved for, however, I was wondering what is cash access line, because it says on my form that I have $160, however Im unclear what it is. Also, the card came with a check that says "use the check attached below to access your available credit". Do I have to use this check or can I just shred it. Thanks CASH ADVANCE you get that from a BANK or ATM Usually an additional fee is involved (up to 4%) Guest: DavidPalmer Post subject: Credit Card Cash Access Line Posted: Thu Feb 23, 2006 7:07 pm so can I ignore it or do I have to use that check. Could you please go into more detail, because the paper I got in the mail doesn't explain what it is. Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Post subject: Credit Card Cash Access Line Posted: Thu Feb 23, 2006 7:48 pm DavidPalmer wrote: so can I ignore it or do I have to use that check. Could you please go into more detail, because the paper I got in the mail doesn't explain what it is. CASH ADVANCES are usually not required to have a credit card I wouldn't do one unless you could get one for NO FEE and an APR of 0.00% Guest: DavidPalmer Post subject: Credit Card Cash Access Line Posted: Thu Feb 23, 2006 8:06 pm COULD YOU TELL ME WHAT A CASH ADVANCE IS? so by not doing a cash advance it will not hurt me in anyway. Im just wondering what the $160 does. Guest: iceman Post subject: Credit Card Cash Access Line Posted: Thu Feb 23, 2006 8:40 pm DavidPalmer wrote: COULD YOU TELL ME WHAT A CASH ADVANCE IS? so by not doing a cash advance it will not hurt me in anyway. Im just wondering what the $160 does. David You just received your chase card, I just received my chase visa card today also. You cash access line, is for cash advances. Your credit limit or credit line is $800 and you can get a cash advance from that $800 of $160.00. Now you do not need to use this, but it's there just in case you are short of cash. But, you also have to wait until chase send you your pin number. This is the only way you can take a cash advance from a ATM machine. Again you do not need to use this if you do not want to. Be carefully with the cash advance because you have to read your cardmember agreement that came with your card. This will let you know what % your cash advance will be. It should be page 6 on your cardmember agreement. On my agreement it is 3% for my cash advance. You are access this percentage the moment you take the cash advance. Author : CardRatings.com
Guest: justicejiang Post subject: Getting A Credit Card After College Posted: Mon Feb 20, 2006 2:34 pm I WANT TO GET A CREDIT CARD BUT MOST OF THEM MAKE ME PAY ANNUAL FEE, WHICH I DONT WANT TO DO! WHEN I WAS 18 YRS OLD, I DID THE STUPID COLLEGE KID THING AND MAXED OUT A CARD AT THAT TIME. SO I WORKED ALL SUMMER TO PAY IT BACK, BUT I WAS DELINQUENT. SO NOW ITS IN MY CREDIT REPORT. I APPLIED TO VARIOUS CREDIT CARD COMPANIES AND I ALWAYS GET REJECTED, MY SCORE IS AROUND 620. I'M TIRED OF GETTING REJECTED, IF I SAY I MAKE $100,000 I'M SURE THEY WILL GIVE ME A CREDIT CARD. BUT I MAKE AROUND $50K NOW AND I'M ALSO IN SCHOOL. PLEASE HELP! I KEEP GETTING REJECTED, TELL ME ABOUT WAYS TO FINALLY GET MYSELF A CARD! _________________ UMM TOO NICE 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: Getting A Credit Card After College Posted: Tue Feb 21, 2006 8:59 am justicejiang, Greetings and welcome to the board! Have you tried applying for a issuer like Orchard? _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Guest: justicejiang Post subject: Getting A Credit Card After College Posted: Thu Feb 23, 2006 5:03 pm never heard of orchard _________________ UMM TOO NICE Guest: Board Monitor Board Monitor/ Administrator Post subject: Getting A Credit Card After College Posted: Fri Feb 24, 2006 9:39 am More info. here: http://www.cardratings.com/poorinfohome.html Also, check our consumer reviews section: http://www.cardratings.com/cardreviewfr.html _________________ Best Regards, Curtis Arnold Board Monitor http://www.cardratings.com (501) 663-0314 Author : CardRatings.com
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