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- Mar 31, 2006
SHEESH. Hoping for something like this once my years up. I was at like 650 halfway through but I've slowed way down
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The sad thing is now the double cash back promo is over for me.
![Frown :frown: :frown:](/styles/default/xenforo/NTemojis/frown.gif)
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SHEESH. Hoping for something like this once my years up. I was at like 650 halfway through but I've slowed way down
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The Sapphire Elite Card will debut on Aug 21st, 2016
The Sapphire Elite card will enter the market as a competitor to high end/premium travel cards like AMEX Plat and Citi Prestige. Expect an annual fee to match those cards or be in the same ballpark
The card will come with a 100k UR Point sign up bonus. Unclear on minimum spend needed to meet this requirement
Expect benefits to match AMEX Plat/Citi Prestige. Unclear on exact details
Exact earning structure unclear
Unclear if AF will be waived first year
Card will be launched on August 21st, 2016
Will be a visa infinite card
Your age must not be high. Pretty much what it is saying the longer you keep making payments on your card the more your score will go up.So the Experian credit tracker app is telling me that if I pay down my card balances now, my score will only go up 20 points.
But if I pay my balances off in 24 months, it'll go up 120 points to the mid 7's. wth.
I really wanna pay off everything now. And need that score to be in the early 700s at least. I'm really trying to get a property within the next 6-8 months.
So the Experian credit tracker app is telling me that if I pay down my card balances now, my score will only go up 20 points.
But if I pay my balances off in 24 months, it'll go up 120 points to the mid 7's. wth.
I really wanna pay off everything now. And need that score to be in the early 700s at least. I'm really trying to get a property within the next 6-8 months.
Your age must not be high. Pretty much what it is saying the longer you keep making payments on your card the more your score will go up.
If you are trying to get a mortgage it is best to pay off all of your CC debt to keep your DTI down.
You guys in here are trying to beat time with this CC game, you can't.
Is it possible to increase your credit score in 2-3 weeks?
Yeah I guess not. I was trying to keep my utilization to 10%
And hopefully build from there. I already got down my cards to 30%
I'm 27 and I think my oldest card is 6 years old. Only have 3200 limit and 2500 on my chase freedom
Score is just shy of 800 ...any suggestions on how to get over the threshold?
Got a Capital One CC with about $1500 L
Chase $1300 CL
Iddeal CC $9000 CL
What cards would you guys suggest I get ?
Time and get some CLI's
Follow up on my earlier question about Chase Sapphire, I have the Chase Freedom, but think that the Freedom Unlimited would be may more useful in conjunction with the Sapphire. Thoughts on just waiting to get the Sapphire until next year or so, and going with the Freedom Unlimited for now?
Thanks for that. Just ended up switching the product.I mean I don't see an issue with that. You can just product change the freedom to the unlimited if you don't want the freedom anymore at all. If you still want to keep the freedom and you apply for the unlimited on its own make sure you won't be over the 5/24 rule when you go to apply for the sapphire later.Follow up on my earlier question about Chase Sapphire, I have the Chase Freedom, but think that the Freedom Unlimited would be may more useful in conjunction with the Sapphire. Thoughts on just waiting to get the Sapphire until next year or so, and going with the Freedom Unlimited for now?
Was wondering why Credit Karma (which gives reports from TU & Equifax) was showing only 1 hard pull from last year even though I applied for 3 cards and an auto loan this year. Turns out they're all on Experian
Hope that auto loan doesn't count into 5/24 when I apply for the new Sapphire Elite card next month. The one wasted hard pull last year was for a Target CC with no sign-up bonus, just the standard 5% discount at the register![]()
Was wondering why Credit Karma (which gives reports from TU & Equifax) was showing only 1 hard pull from last year even though I applied for 3 cards and an auto loan this year. Turns out they're all on Experian
Hope that auto loan doesn't count into 5/24 when I apply for the new Sapphire Elite card next month. The one wasted hard pull last year was for a Target CC with no sign-up bonus, just the standard 5% discount at the register![]()
The 5/24 rule only applies to newly opened credit card accounts so you should be in the clear. To be sure you can check the chase prequal site. It's pretty spot on and doesn't show you any offers if you have hit the 5/24 threshold
Was wondering why Credit Karma (which gives reports from TU & Equifax) was showing only 1 hard pull from last year even though I applied for 3 cards and an auto loan this year. Turns out they're all on Experian
Hope that auto loan doesn't count into 5/24 when I apply for the new Sapphire Elite card next month. The one wasted hard pull last year was for a Target CC with no sign-up bonus, just the standard 5% discount at the register![]()
The no sign-up bonus sucks. I signed up for it right out of college, when I moved out of state and had to wait a month for my first paycheck. I do 98% of my shopping there because it is so close and I saved hundreds with the 5% off and cartwheel. My discover card was only offering 1% at the time. There price match is easy too, so I don't need to step foot in the dirty Wal-Marts.
They got you with that damn Red Card and bonuses.![]()
My wife and her sister are all about Target and the cartwheel app for extra savings in there and stuff haha