Jun 26, 2020 · Card: BDO Shopmore (all around in every sm malls if you are a frequent sm shopper) Forever 21 Mastercard. Bench Mastercard. Both of the forever21 and bench mastercard are good shopping cards on their own right but the promos are limited in those two stores only. Unless you frequent those two stores, my vote still goes to Shopmore.Personal Finance. r/personalfinance creditcards. Credit and Credit/Debit Cards. Should I get a credit card? What credit card should I get? What type of credit card is right for …Focusing on having an effective cashback of 4% or greater across all expenses: Citi Custom Cash 5% cashback, dining. Amex Blue Cash Preferred 6% cashback, groceries and streaming. Citi Costco 4% cashback, Gasoline. US Bank Cash+ 5% cashback, Wireless and Internet. Chase Amazon 5% cashback, Amazon.Graztine. A List of Credit Cards Good For Most People. Discussion. Hello! I've been trying to figure out what credit card I should get next, so started to make a list of all of the … The American Express Gold card is a good option if you can use their credits regularly ($10/mo for Uber/Uber Eats and $10/mo for Grubhub, Seamless, or a couple other restaurants.) Given that dining is your biggest category, getting 4x points (transferable to Delta) could be significantly useful. Jun 27, 2021 · CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new …drendon6891. •. It’s the perfect combination of slim, dimensions, and capacity. Barely bigger than a credit card height-wise, barely wider than cash folded over once, and fits everything you could need it to. Also it’s not RFID which is a big plus in my book because of my work access card. Reply reply.Nov 17, 2022 · Travel cards generally give more point/miles after you meet minimum spend. Those miles can then get hugely increased value when you transfer them. Think of it this way: if you plan to spend 3-4k over the course of 3 months for whatever reason, you can open a new credit card to get free money by spending …Cred.ai is a checking account that gives you a credit card instead of a debit card. As you use the credit card, Cred.ai will pull the money out of the checking account to pay off the card immediately. This is how they keep reported utilization low each month. It reports to all 3 bureaus as a $1500 line of credit with 2-3% utilization every month.Discussion. I wanted to share this chart I made for others who may also be interested in comparing Cash Back credit cards as of Dec. 2021. These are the top 4 I've been …According to WalletHub’s analysis of 1,500+ credit card offers, the best secured credit card with no credit check won’t even charge you an annual fee. Plus, cards with no credit check still report to the major credit bureaus, giving you the chance to add positive credit history on a monthly basis.The United Quest card is actually more valuable at virtually any budget (you get an annual flight credit AND 3x on flights vs 2x for the Explorer). Butttt the best approach is to get the Explorer first, then 1-2 years later get the quest (depending when you are eligible for the SUB). That way, over a span of 4 years, you have amassed 140k+ in ... List of the best category cashback credit cards. Below is a list of no annual fee category cashback credit cards with a minimum of permanent ( non-promotional) 3% category cashback. We omitted cards with an annual fee. An annual fee card that often comes up is the American Express Blue Cash Preferred. Wells Fargo Autograph: 3x on travel. I use this card for booking travel. Sofi Credit Card: 3 percent back on everything for the first year, 2 percent back on everything after that. I use this for anything that doesn't fall into another category and when abroad, and for cell phone insurance. If a secured card is the only card you can get then it's pretty much the only way you'll be able to build your credit. There's no reason to use a secured card otherwise. Yes, they are a good way to start building a good credit score, as long as you use them responsibly and pay them off in full every month. Wells Fargo Autograph: 3x on travel. I use this card for booking travel. Sofi Credit Card: 3 percent back on everything for the first year, 2 percent back on everything after that. I use this for anything that doesn't fall into another category and when abroad, and for cell phone insurance. Bank of America Cash Rewards. This credit card is one of my favorites. No annual fee, 3% cash back on your choice of multiple topics included but not limited to food, gas, travel, home repairs. But the rewards don’t stop there. You will also earn 2% back at grocery stores, and 1% cash back on all other purchases.Feb 7, 2020 · Rewards Rate. The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. Its limited-time offering of 10% cash back for Uber and Uber Eats ... It's also reasonably easy to cash out the travel credits, so the net annual fee is $75 for a $500 cashback bonus. Seems like the World of Hyatt card should be on there. 60k Hyatt points are much more valuable than 75k from Marriott even if they have a much smaller footprint. If you want a full list of all cards and their current SUB try US Credit Card Guide ... Reddit is a great big community so get money off your cable bill, get a free iPad, or whatever incentive you're offered. Members Online. Hey, here’s 30% off the Burpple Beyond Premium plan! You get access to four 1-for-1 deals at over 500 places. I’ve ...Best Credit Card for Each Category? Discussion. What credit card are you using for each one of these categories? Gas, Grocery, Food, Hotel, Flights, Streaming, and other …Jul 10, 2021 · You can downgrade your card with UnionBank. I did it for my Cebu Pacific GetGo CC with 3k AF before the anniversary month. Downgraded it to their Classic Visa so I didn’t pay the 3k AF for the GetGo CC. I got the GetGo CC back in June 2019 and was able to downgrade to the Classic Visa May 2021.Jun 26, 2020 · Card: BDO Shopmore (all around in every sm malls if you are a frequent sm shopper) Forever 21 Mastercard. Bench Mastercard. Both of the forever21 and bench mastercard are good shopping cards on their own right but the promos are limited in those two stores only. Unless you frequent those two stores, my vote still goes to Shopmore.Sep 8, 2023 ... Why do Americans use credit cards instead of debit cards? · Credit cards use the bank's money, while debit cards use yours. · Our laws have ....Nov 9, 2021 · Edit to add: it also doesn’t help that my parents never taught me about money, credit cards, budgeting, anything. They declared bankruptcy about 10 years ago due to the housing market crash (they both worked in that market and it hit them super hard). Their only advice about credit cards was “never get one.” So I had to learn the hard way.The card just adds a 1500 credit line to your amount of credit. Also, it reports 3% or less on your utilization. It building better credit for you by: 1) showing great payment history & 2) providing an additional amount of credit (1500/1000) to lower your credit utilization. You sit back and let it do it's work.Aug 4, 2022 · Hello. I am looking to take every expense in my life and route it through a cash back card, for the cash back and the credit score. Someone suggested a 2.5% one from alliant, and someone has spoken of a 2% Wells Fargo. Would love to get the opinion of the credit card separate it on this.Best Credit Cards of February 2024; Best Gas & Groceries Credit Cards; Best Travel Credit Cards; Best Balance Transfer Credit Cards; Best 0% APR Credit …Jan 2, 2023 · My experience with Unionbank cc (1) Local - very few ang offers sa stores for 0% installment like SM, Rob. May mga few offers sila pero for particular stores and shops so hindi namamaximize. (2) International - I have no problem using it outside of Philippines. I only emailed their customer service that I will be using it for this country and ...Feb 27, 2024 · 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each ...Feb 29, 2024 · Annual fee: $0. Other benefits and drawbacks: The Discover it® Student Cash Back card offers a 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% ...I'll probably change it to Credit card instead. 1. AvailableParking. • 1 yr. ago. Same, naapproved ako then 10 days pa raw yung physical card the only problem is the virtual card isn't working anywhere, they said to wait 24 hours but it's been 5 days hindi pa rin gumagana yung virtual card.According to WalletHub’s analysis of 1,500+ credit card offers, the best secured credit card with no credit check won’t even charge you an annual fee. Plus, cards with no credit check still report to the major credit bureaus, giving you the chance to add positive credit history on a monthly basis.Nov 17, 2022 · Travel cards generally give more point/miles after you meet minimum spend. Those miles can then get hugely increased value when you transfer them. Think of it this way: if you plan to spend 3-4k over the course of 3 months for whatever reason, you can open a new credit card to get free money by spending …First, you will be hit with a lot of late fees and interestes charges and most likely you will eventually have charge offs. They can file a law suit against you and they make seek a judgement if you have any actual assets. You will need to figure out how you are going to take care of emergencies without credit cards.Sep 21, 2022 · The card can do up to 3% and has some other account bonuses. ApprehensiveRip9624. This is a good no frills no AF credit card. If you are a person who does not want to deal with categories, invests with Fidelity, and travel/airline/hotel rewards are of lesser value, this card is for you.Focusing on having an effective cashback of 4% or greater across all expenses: Citi Custom Cash 5% cashback, dining. Amex Blue Cash Preferred 6% cashback, groceries and streaming. Citi Costco 4% cashback, Gasoline. US Bank Cash+ 5% cashback, Wireless and Internet. Chase Amazon 5% cashback, Amazon.I'm guessing it's similar to property taxes where they charge a 2.9% fee to use a cc negating the points. Most banks won't typically let you pay a mortgage via credit card. Usually only via ACH or such due to the higher risk and higher fee. If they'll let you, I suppose go for it, but proceed with caution.Feb 2, 2024 · NYC launches $53M program to hand out pre-paid credit cards to migrant families. "A family of four, for instance, could be provided nearly $1,000 each month, which comes out to $35 per day for food. Cards will get re-filled every 28 days." "It’ll start with a group of 500 migrant families in short-term hotel stays and … Amex is my go to. Blue business could suit your needs also. I got a Chase that only gives me %5 on utilities, like phone/internet, and other crap I don't do, and %1 on everything else. So %99 is all %1 back. Probably sucks, but that's probably normal for business cards, I don't know. Best Credit Card for Each Category? Discussion. What credit card are you using for each one of these categories? Gas, Grocery, Food, Hotel, Flights, Streaming, and other …500 (Debt) *.05 (Rate you must pay) = $25 (How much you must give them.) And with the Double 5 figure, it remains how much more you add to what you have spend. Assuming you haven't put anything new on the card, you still owe $500 in this example. you pay the $25 dollar minimum, and still own $500.Aug 10, 2023 ... Keep it open, just put the card away in a file box. It decrease your utilization and improves your credit score/history indefinitely if you keep ...I'm guessing it's similar to property taxes where they charge a 2.9% fee to use a cc negating the points. Most banks won't typically let you pay a mortgage via credit card. Usually only via ACH or such due to the higher risk and higher fee. If they'll let you, I suppose go for it, but proceed with caution.Feb 29, 2024 · The Platinum Card® from American Express. $695 (terms apply, see rates & fees) 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card ... Dec 5, 2023 ... About Reddit · Advertise · Help · Blog · Careers ... Best card for your choice is the HSBC VISA Platinum card ... Using Cash, Credit Car...Nov 17, 2022 · Travel cards generally give more point/miles after you meet minimum spend. Those miles can then get hugely increased value when you transfer them. Think of it this way: if you plan to spend 3-4k over the course of 3 months for whatever reason, you can open a new credit card to get free money by spending …2 days ago · Just throwing this out there. Complete speculation. I just stumbled upon people talking about Riley Lively being live on Tik Tok and they found his credit card by the river. I'm only day 2 into this case so not sure who's trustworthy or not. Wells Fargo Autograph: 3x on travel. I use this card for booking travel. Sofi Credit Card: 3 percent back on everything for the first year, 2 percent back on everything after that. I use this for anything that doesn't fall into another category and when abroad, and for cell phone insurance. MOD. Credit Card Recommendation Flowchart: March 2023. Disclaimer: Amex has made some big changes recently (introducing per-family rules). This appears to still be in-progress and is in a somewhat confusing state at the moment, so I'm holding off updating the flowchart until the dust settles there. This is the latest installment of the CC ... Nov 28, 2022 ... Just so you know, we've opened a new forum outside of Reddit to ask questions and get advice from our community; as well as to share privacy ...NNJ1978. • 4 yr. ago. Given the recency of your delinquencies the Open Sky card may be the best bet. Cap One is forgiving once you actually pay/settle the old cards. That said, while rebuilding your credit is important and can be done simultaneously while dealing with old issues, for many it's best if their main purpose in the meantime is to ... Credit Card Basics. Once a month, you'll get a statement that tells you how much you spent, how much you paid, a due date, the statement balance, and minimum payment. You should always pay, at minimum, the statement balance before the cutoff time of the due date (many lenders do not use midnight!). You can pay before the statement if you wish ... Learn from Reddit users how to use credit cards wisely and avoid common pitfalls. Find out the best starter cards, how to pay in full, keep your utilization low, and …Valero, a popular gas station chain across the United States, has recently launched a new credit card program. The Valero New Card is designed to offer customers more benefits and ...Template for Card Recommendation Requests: Please use the following template so that everyone can make appropriate recommendations: Current cards: (list cards, limits, …My experience with Unionbank cc (1) Local - very few ang offers sa stores for 0% installment like SM, Rob. May mga few offers sila pero for particular stores and shops so hindi namamaximize. (2) International - I have no problem using it outside of Philippines. I only emailed their customer service that I will be using it for this country and ...Feb 27, 2024 · The Bank of America® Unlimited Cash Rewards credit card is a no-nonsense card that offers flat-rate cash back on all purchases. For those who qualify for Preferred Rewards, the card quickly moves ...Amex everyday (used)- same as above but balance transfer limit 7500$ 3. Dcu (easy to become member)- right now running a promotion for 0 apr and 0 fee for 6 months 4. Alliant credit union (not yet)- 0 apr and 0 fee for 12 months (afaik) Now lets discuss cards which have 0 apr but have 3-5% fees ( i havent used the below, also check ur credit ...The wiki on our sidebar has an entire compendium of no-annual-fee, flat-rate cashback cards, listed in descending order of cashback rate. The wiki also indicates which (if any) ancillary benefits (such as car rental CDW, extended warranty, etc.) are included with the card .I'd recommend the SoFi Credit Card ($200 SUB for applications via Credit Karma) …Feb 7, 2020 · Rewards Rate. The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. Its limited-time offering of 10% cash back for Uber and Uber Eats ...Jan 2, 2023 · Reddit's Top Credit Card Predictions for 2023. Published on Jan. 2, 2023 By: Brittney Myers. Writer . Many or all of the products here are from our partners that compensate us. It’s how we make ... But that gets tricky after a while. [deleted] • 6 yr. ago. The positives of having one: 1. Builds credit score for when you need to borrow (i.e buying house) 2. Back up way to access money (out of cash, debit card won't swipe, debit card shut down because of fraud/identity theft) 3. Can earn rewards like 1% cash back. In the market for a new credit card? Now there are plenty of choices when it comes to the best credit cards for rewards, especially regarding cashback offerings. Credit card reward...While experienced borrowers may wonder how many credit cards to have, those who are newer to credit cards or prefer to focus on just one card might have other credit questions on t...Sep 29, 2022 · I can see the companion fare being worth it as long as the cost is > $196, but just not sure it’s worth the hassle of getting a new card, and I’ve generally just been meh on Alaska recently as it’s been harder to get upgrades or even use GGUs. Curious to hear your thoughts. In my opinion, the big benefit of the Alaska …These are the cards to have if you want free shipping at dozens of retailers. Update: Some offers mentioned below are no longer available. View the current offers here. Looking for...Consumers can find banks that accept Discover credit cards by using the bank and ATM locator on the Discover card website. Discover credit cards are accepted at numerous banks acro...Amex everyday (used)- same as above but balance transfer limit 7500$ 3. Dcu (easy to become member)- right now running a promotion for 0 apr and 0 fee for 6 months 4. Alliant credit union (not yet)- 0 apr and 0 fee for 12 months (afaik) Now lets discuss cards which have 0 apr but have 3-5% fees ( i havent used the below, also check ur credit ...Not always, many companies will withdraw 1-3 dollars then replace it to make sure there is money in the account. Just put 5$ on the card.. Usually they will pre-auth $1 or so and then just never complete the charge. But you do need the credit for it, and it will affect your available balance until it's dropped.Mar 7, 2024 · If you’re loyal to a specific airline, a cobranded airline credit card could be a good fit. Find your best fit on Forbes Advisor's list of the best airline credit cards.Sep 18, 2022 · Reddit is an excellent resource for new credit card users. You can learn about topics that are new to you as other users share their experiences and knowledge. There are many helpful personal ... Oldest credit card account age with you as the primary name on the account: 5 years, 4 months Number of personal credit cards approved for in the past 6 months: 0 Number of personal credit cards approved for in the past 12 months: 0 Number of personal credit cards approved for in the past 24 months: 0 Annual income $: $55K CATEGORIES Credit Card Basics. Once a month, you'll get a statement that tells you how much you spent, how much you paid, a due date, the statement balance, and minimum payment. You should always pay, at minimum, the statement balance before the cutoff time of the due date (many lenders do not use midnight!). You can pay …While some experienced borrowers worry about how many credit cards, others have different priorities. Whether you’re getting your first credit card or have less than ideal credit, ...With so many new credit cards being released, the decision on which to choose almost always depends on two things: the issuer and reward. However, some customers do not even care a...Aug 4, 2022 · Hello. I am looking to take every expense in my life and route it through a cash back card, for the cash back and the credit score. Someone suggested a 2.5% one from alliant, and someone has spoken of a 2% Wells Fargo. Would love to get the opinion of the credit card separate it on this.With so many new credit cards being released, the decision on which to choose almost always depends on two things: the issuer and reward. However, some customers do not even care a...Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. There are even certain situations where a ...500 (Debt) *.05 (Rate you must pay) = $25 (How much you must give them.) And with the Double 5 figure, it remains how much more you add to what you have spend. Assuming you haven't put anything new on the card, you still owe $500 in this example. you pay the $25 dollar minimum, and still own $500.If you’re eligible for business cards, you can grab the chase ink unlimited, the chase in cash, and a sapphire card before you’re over 5/24. And when under 5/24 again get the chase freedom flex and freedom unlimited. This, Chase Ink Cash can be used for 5x points on office supply stores on $25k/year.A ghost credit card is a credit card number assigned to a business department available for use by multiple employees. Ghost credit cards are sometimes issued in lieu of a traditio...I'll probably change it to Credit card instead. 1. AvailableParking. • 1 yr. ago. Same, naapproved ako then 10 days pa raw yung physical card the only problem is the virtual card isn't working anywhere, they said to wait 24 hours but it's been 5 days hindi pa rin gumagana yung virtual card.Bank of America Cash Rewards. This credit card is one of my favorites. No annual fee, 3% cash back on your choice of multiple topics included but not limited to food, gas, travel, home repairs. But the rewards don’t stop there. You will also earn 2% back at grocery stores, and 1% cash back on all other purchases. Summary of changes from last time: Added newly released cards (Venture X, Hyatt Biz). Also added Citi Custom Cash (good way to get TYPs without resetting the 24-month clock -- thanks to u/garettg for the idea!), SoFi 2% card (could be a good option due to no-FTFs and no minimum redemption -- thanks to u/mreed911 for the idea!), and Wyndham Biz (since it was at a high bonus last summer ... Valero, a popular gas station chain across the United States, has recently launched a new credit card program. The Valero New Card is designed to offer customers more benefits and ... MOD. Credit Card Recommendation Flowchart: March 2023. Disclaimer: Amex has made some big changes recently (introducing per-family rules). This appears to still be in-progress and is in a somewhat confusing state at the moment, so I'm holding off updating the flowchart until the dust settles there. This is the latest installment of the CC ... In the market for a new credit card? Now there are plenty of choices when it comes to the best credit cards for rewards, especially regarding cashback offerings. Credit card reward... cards everyone should have: Canadian Tire World Elite Mastercard (no annual fee) - bill payments for free and get extra CT money back. Brim mastercard (no annual fee) - Free foreign transactions. if you travel a lot, i like to have the Amex Platinum for the insurance, and lounge benefits. 4. Feb 5, 2021 · Not always, many companies will withdraw 1-3 dollars then replace it to make sure there is money in the account. Just put 5$ on the card.. Usually they will pre-auth $1 or so and then just never complete the charge. But you do need the credit for it, and it will affect your available balance until it's dropped.
Mar 12, 2024 · The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full review of the Chase Sapphire Reserve card. Pros & Cons.. Cost to replace air conditioning unit
Jun 11, 2022 · If you receive private messages, be extremely careful. Use the report link to report any suspicious private message to Reddit. I am a bot, and this action was performed automatically. ... I don’t know any exchange that allows you to buy crypto with a credit card so I would trust PayPal more than a random exchange.Jul 13, 2023 · 19.99% – 29.99% (Variable) $395. Excellent. The Capital One Venture X Rewards Credit Card is Capital One’s premier travel credit card, offering the largest signup bonus among all Capital One cards. Cardholders also receive a free membership to TSA PreCheck or Global Entry and access to more than 1,000 airport lounges.Sep 18, 2022 · Reddit is an excellent resource for new credit card users. You can learn about topics that are new to you as other users share their experiences and knowledge. There are many helpful personal ...Sep 8, 2023 ... Why do Americans use credit cards instead of debit cards? · Credit cards use the bank's money, while debit cards use yours. · Our laws have ....With the rising price of college tuition and textbooks, students need all the money saving tips they can get. A great way to save money is to get a better card, one with lower fees...Dec 8, 2023 ... PH Credit Cards Recommendations - What's a good credit card for me? ... Comparison of Miles Cards · NAFFL Credit Cards ... reddit.com/r/ ...Graztine. A List of Credit Cards Good For Most People. Discussion. Hello! I've been trying to figure out what credit card I should get next, so started to make a list of all of the …Feb 27, 2024 · 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each ...Users share their opinions and experiences on different credit cards for various spending categories and purposes. See the pros and cons of cash back, travel, dining, and …Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time ...Personal Finance. r/personalfinance creditcards. Credit and Credit/Debit Cards. Should I get a credit card? What credit card should I get? What type of credit card is right for …Mar 25, 2023 · CSR is best for united, (though you can book all) which flies from EWR. The AmexP is best for serious travelers as it has the highest fees associated with it. (almost $1k per year) Amex plays best with Delta (JFK) but does play with them all. They both come with priority pass membership (airport lounges) travel insurance, uber/lyft credits, and ... If a secured card is the only card you can get then it's pretty much the only way you'll be able to build your credit. There's no reason to use a secured card otherwise. Yes, they are a good way to start building a good credit score, as long as you use them responsibly and pay them off in full every month. Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. There are even certain situations where a ....