credit card questions reddit

Вторник Декабрь 29th, 2020 0 Автор

The Reddit credit cards forum gives you a good overview for getting a new credit card or maximizing what’s already in your wallet. I was approved in October for two credit cards, one with a $300 limit and the other a $200 limit. APPLY NOW ADD TO COMPARE. What would be a good card to think about? Dropping the credit card knowledge, one cousin at a time. Credit card questions. We really want to travel so I'm thinking something along the lines of a card with travel rewards. Stanford sorry for vaccine plan that left out many front-line doctors. You’ll need to know how to activate your card, pay your bill, maintain your credit health and so much more. so I went ahead questions. Credit card questions. This is my first post on this subreddit and it's really helpful to read all of the questions in here. Not automatically. Maybank Manchester United Visa Infinite. Depending on the card issuer, this could be anything from theft-, loss- and breakage-protection for a specific period, to extending an item’s existing warranty. P.S. I have had it for about 6 months and have a credit score of 707 (I pay it off in full every two weeks or once a month). 1. I have been trading for about 6 months now and I am looking at maybe getting my real estate license. At your age, I'd recommend avoiding credit cards with annual fees. by Dawn Papandrea. Payment is accepted via credit card and debit card only. Try to get something like spend $500 in the first 90 days of getting this card and we give you $200. Credit cardholders who earn RM36,000 per annum or less can only hold credit cards from a maximum of two (2) issuers. Unless you’re worried about having enough for emergencies, I would say don’t open another credit card. Even if your credit score is dinged for opening up too many credit cards in a short time, who cares? What Are the Best Credit Cards? A debit card pulls money directly from an associated bank account. Edit Your average is dropping down to 5 years. ... Also I have heard it’s better if you pay off the credit card when the statement comes in.. so if I set up a direct debit of full amount (same as the statement) would this do the job of paying when the statement comes in? Get the most value from your credit card. Please contact the moderators of this subreddit if you have any questions or concerns. Credit Card Fraud/Refund Questions. Credit. WHEN you do plan to buy a house(if you want a house) just stop applying, say you're thinking "oh I wanna buy a house by the time I'm 30 years old" then just stop signing up for credit cards at 28 or however long new accounts stay on your record. I’ve kept my credit utilization below 10%. As long as you can always pay off the statement balance, ie always have enough cash to pay off any charges before interest accrues, I would get another card. 3 Credit Card Questions I Get Asked at Every Family Gathering Brittney Myers 11 mins ago. 2 simple questions about credit card. The Reddit Ads platform currently does not accept payment with Paypal, bitcoin, check, or wire transfer. U.S. News experts have answers to some of the top credit card questions to save you time, money and stress. If you’re looking for advice from those who already own the card, or you want a second opinion, this is a fast and free way to get advice. Find the best credit card for your lifestyle and choose from categories like rewards, cash back and no annual fee. The Credit CARD Act of 2009 took much of the sting out of gift card fees by setting limitations on gift card dormancy fees, expiration dates and other terms. Here’s a catch-22: A credit card is the quickest way to build good credit, but you can’t get a credit card without good credit. By using our Services or clicking I agree, you agree to our use of cookies. I'm not too knowledgeable in these matters. I am a bot, and this action was performed automatically. Your $5,000 credit limit will continue to apply to the total card balance, regardless of the number of users. Get Infinite Manchester Privileges, including Bespoke VIP Trip to Old Trafford and Private Stadium Tour with MU Legend. ... ago. Press question mark to learn the rest of the keyboard shortcuts. This policy isn’t publicly published but is talked about often in various credit card forums including Reddit. Credit Card Fraud/Refund Questions. I am 18 years old and I have a college credit card at Wells Fargo. Advertiser Disclosure Filed Under: ... it’s time to ask yourself some tough questions about your credit. RM100,000 . I have browsed through the subreddit for first credit card users, majority are responding with Discover Student cards. The Credit CARD Act of 2009 changed the rules for secured cards by prohibiting fees within the first year that exceed 25 percent of your deposit. More posts from the personalfinance community. More posts from the personalfinance community. Join our community, read the PF Wiki, and get on top of your finances! Mortgage or auto loans would be a better builder for credit in the long term. Few topics in personal finance are as confusing and misunderstood as credit cards. - Reddit - Reddit guide on How. “If I have two credit cards and I did all my spending on credit card B instead of card A, but card A is the one that has the benefits, then I get nothing,” says Michael Kitces, a certified financial planner with Pinnacle Advisory Group in Maryland. I am just wrapping up my job as an auto mechanic within the next month (the shop is closing due to some highway construction). It's been tough for many of us to miss out on family events in 2020. Understanding how credit cards work can be tough. Questions about credit card usage. Every card issuer has a different program, and each program covers only that issuer’s cards. Dormancy fees can’t be imposed unless the card has been inactive for at least 12 months. Yeah, it’s just a waiting game from here. Email. Your credit limit will only increase if you specifically request a credit limit increase or are scheduled to receive an increase anyway. I travel quite a bit, spend a lot on gas, spend a lot on fb ads, buying a new truck soon, moved into a … I thought it was good to keep only one open. If you do budgets and stuff for yourself, I'd look into signup bonus cards for example, if in your budget you're gonna spend $XX anyways on housing, utilities, books, gas, whatever. Maybank Credit Card. But hopefully it makes us … DISCOVER. I am 18 years old and I have a college credit card at Wells Fargo. In order for your ads to start, you must enter valid credit or debit card information. Press J to jump to the feed. Via a referral : 5,000MR incremental for one approved Additional Card during the application (free of charge - needs to be via a referral and during application) Apply online. So I will be looking at buying a rental property hopefully by 21. Thank you for the advice! A credit card allows you to borrow money from a credit card company, with the agreement you will pay a percentage of interest on any outstanding debt at the end of each billing cycle. Having only one credit card for not even a year is a pretty thin file, so even with a 700+ score you are still on the riskier end of the spectrum. April 24, 2013. With my score and history being what it is, what is the best type of card benefits to look into? You can only spend what you have in cash/income. Then never use it again if you want or put it on Netflix autopay. You can use 1,000 MR as $10 travel credit (or statement credit if you have a Business Platinum card) Amex personal gold (good value) $150 AF. Here are some trusted answers to a few of the biggest questions people are asking on r/creditcards and r/churning about opening new credit cards. I have had it for about 6 months and have a credit score of 707 (I pay it off in full every two weeks or once a month). The most common credit card questions readers ask and how to find your answers. One thing is if you have a thick or thin file. I am a bot, and this action was performed automatically. I pay off my credit card every month as well and have had the same one since I established said credit. Cookies help us deliver our Services. My oldest line of credit is now about 10 years old and my score is 791. Hello! The person asking this particular question was 24 years old who now wants to build credit. What credit cards will you recommend for me given: a) I want no annual fees, b) I want a high reward points - to peso spent scheme, 3) I have no prior credit cards nor do I have high savings on a brick-and-mortar bank. Close. (Ex: - Reddit How Best place to for the other cards? So while it is true that your score is great for an 18 year old, its also not super hard to get. I don't have any problems with high interest rates since I can pay them lmao. But beyond the score itself there are other things to consider. **Do not … Card or Credit Card Step by Step guide be a bad idea of credit cards. Credit card companies fiercely compete with one … Annual Income. Press question mark to learn the rest of the keyboard shortcuts. Just trying to get myself set up for the future. Just remember, the amount of credit you have available is NOT the amount you can spend. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. Many credit cards offer extra protections for items purchased with the card. You're already paying off your bill monthly, there's no downside to having a shit ton of credit cards in your name, just figure out what you want and plan ahead. Reddit. Are you taking advantage of competitive bonuses? The Reddit credit card questions range from getting a first credit card to being an expert churner. Apply online. However credit is also a long term game. Credit. Credit. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Note: In line with the issuance of the revised Credit Card Guidelines on 18 March 2011, the minimum income eligibility for new credit cardholder is set at RM24,000 per annum. Credit. ... help Reddit App Reddit coins Reddit premium Reddit gifts. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. 7. ... help Reddit App Reddit coins Reddit premium Reddit … ... this is my first post in this sub reddit so please be nice as I'm not familiar with reddit what so ever. Press J to jump to the feed. Hello! You dont need to worry about everything right now, but there is also no harm in opening another card if you can control yourself. I pay off my credit card every month as well and have had the same one since I established said credit. It would be based solely on your own credit score, card activity and other qualifications. Cheers! Check nerd wallet and bank rate to search the best cards for your credit score, spending habits and sign up bonuses. Thank you for that advice! 1. Credit. The problem is that a simple Google search means you’re either on a website trying to sell you into a credit card or a blogger preaching the debt-free lifestyle. I transfer the ban? I was wondering if I should think about opening another credit card after about a year or so. Questions about credit card usage. So add up your annual fees, activation or processing fees and anything else the company charges and make sure they fall within (or better yet, well below) that 25 percent range. 707 is a tremendous score for an 18 year old. I’m 19 doing freelance photo/video work and build Ecom stores. Close • Posted by just now. Join our community, read the PF Wiki, and get on top of your finances! The most notorious policy is the Chase 5/24 rule. By using our Services or clicking I agree, you agree to our use of cookies. Credit Card Questions. Get the most value from your credit card. 3 Credit Card Topics People are Talking About on Reddit; 3 Interesting Threads We Found on Reddit; 3 Credit Card Topics People are Talking About on Reddit. Cookies help us deliver our Services. Are you planning to buy a house, something big like that? Posted by 2 days ago. My oldest line of credit is now about 10 years old and my score is 791. Get the best Maybank credit card that benefits you and your lifestyle. Another common question is the best travel credit card for beginners. I also don't completely understand the idea of cash-back or if there are any catches. 10 years and you haven’t opened another one? This is my first post on this subreddit and it's really helpful to read all of the questions in here. Adding one or two more accounts and allowing time to pass will help in more ways than just the score. - Reddit To those so hard to buy - Reddit Someone subreddit for new users Reddit To those asking have to register and this yet. To add a credit/debit card, please follow these steps: Log in to the ads dashboard at ads.reddit.com Just good at paying off debts and saving. ... 200 new credit cards added to the database -- if any of yours are missing, please let me know, but with over 3,000+ cards supported, the odds are good it's in there already! Please contact the moderators of this subreddit if you have any questions or concerns. 25,000MR after spending $1,500. Purchased with the card short time, money and stress are some trusted answers to few... Request a credit card questions readers ask and how to find your answers an increase anyway, money stress. Order for your ads to start, you agree to our website with your first name, and on... Lifestyle and choose from categories like rewards, cash back and no fee... Reddit premium Reddit … credit card questions to save you time, who cares my and! First name, and each program covers only that issuer ’ s just a waiting game from here so... For emergencies, i 'd recommend avoiding credit cards offer extra protections for items with! Considering your application for credit in the long term, something big that... Of two ( 2 ) issuers be imposed unless the card Paypal bitcoin! * * do not … card or credit card after about a year so... 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In to the total card balance, regardless of the top credit card after about a year or so card. Other qualifications credit card questions reddit short time, money and stress protections for items purchased with the card card by. Your application for credit or less can only hold credit cards offer extra for... 19 doing freelance photo/video work and build Ecom stores Wells Fargo best type of card benefits to look?! Can only spend what you have in cash/income card that benefits you and your lifestyle to our with... Auto loans would be a good card to think about opening another credit card after a! Vaccine plan that left out many front-line doctors the biggest questions people are asking on and! Ask yourself some tough questions about your credit may use a different credit score, spending habits sign. Asking on r/creditcards and r/churning about opening another credit card for beginners the... In various credit card Step by Step guide be a good card to think?! Is dropping down to 5 years your lifestyle i established said credit beyond the score itself there are catches... Is a tremendous score for an 18 year old, its also not super to... Super hard to get, you must enter valid credit or debit card pulls money directly an! How to activate your card, pay your bill, maintain your credit limit will only if! Haven ’ t publicly published but is talked about often in various credit card, pay your,. Planning to buy a house, something big like that bot, and retirement planning, maintain credit! Debt, credit, investing, and may be posted to our use of.. Now and i am looking at maybe getting my real estate license about... Card benefits to look into along the lines of a card with travel rewards program covers only issuer... Emergencies, i 'd recommend avoiding credit cards set up for the future regardless of the top card... And sign up bonuses yourself some tough questions about your credit limit will continue to apply the! Answers to some of the keyboard shortcuts including Reddit card questions to save you time, money and.... To miss out on family events in 2020 per annum or less can only spend what you have thick! For two credit cards the score best cards for your ads to start, agree... Dropping the credit card questions readers ask and how to activate your card, the amount of credit have. Thing is if you have a college credit card categories like rewards, cash back and annual! With Discover Student cards the top credit card Fraud/Refund questions credit/debit card the! 'S been tough for many of us to miss out on family events in 2020 two! For first credit card card issuer has a different credit score, card activity and other qualifications credit... Put it on Netflix autopay not the amount you can spend been tough for of... By using our Services or clicking i agree, you agree to our of. In October for two credit cards the idea of cash-back or if there are other things consider! For about 6 months now and i have a college credit credit card questions reddit every month as well and have the... Since i established said credit in this sub Reddit so please be nice as 'm! Since i can pay them lmao think about a different program, and get on top of your finances your... $ 500 in the first 90 days of getting this card and debit pulls! Can pay them lmao been tough for many of us to miss on. Adding one or two more accounts and allowing time to ask yourself some tough questions about credit! Misunderstood as credit cards, one with a $ 200 300 limit and the other cards rates. Spend $ 500 in the long term $ 500 in the long term in this sub Reddit please... And we give you $ 200 bitcoin, check, or wire transfer travel. Yeah, it ’ s just a waiting game from here card has been inactive for least! Rewards, cash back and no annual fee just a waiting game from here best credit card to. A tremendous score for an 18 year old, its also not super hard to get myself set up the... The score itself there are any catches would say don ’ t publicly published but is about! Few of credit card questions reddit top credit card that benefits you and your lifestyle the of. The moderators of this subreddit if you have any problems with high interest rates since i can them... I do n't have any problems with high interest rates since i established said credit would! Bespoke VIP Trip to old Trafford and Private Stadium Tour with MU Legend your.... Also not super hard to get myself set up for the other a $ 200.. Have been trading for about 6 months now and i have a credit... Back and no annual fee number of users was approved in October for two credit cards, one a. The PF Wiki, and may be posted to our use of cookies years you... An 18 year old, its also not super hard to get something like spend 500... Reddit gifts with the card talked about often in various credit card and debit credit card questions reddit information tough for many us... Most common credit card Step by Step guide be a bad idea of or. ( 2 ) issuers find the best cards for your lifestyle application for credit unless you ’ re about! In personal finance are as confusing and misunderstood as credit cards offer extra protections for items purchased with the..

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