da r entertainment
Supporter
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Nothing wrong with treating yourself as long as there is self control and much moderation. At least that's my thought process.
24 Looking to build Credit... What are some good tips on your first Credit Card
- Thread in 'General' Thread starter Started by trynafeelmink,
- Start date
Nothing wrong with treating yourself as long as there is self control and much moderation. At least that's my thought process.
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I PM'd you
cs02132
Supporter
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I had to wait for some cards to drop from my history so I just barely missed the 80k points but I just hit the minimum spend for my 60k
What Amex cards do you have or like? I only have the blue cash everyday, never really paid attention to Amex for whatever reason ..I’ve gone through like every sign up bonus so I’m looking for a new daily card unless I can find a new bonus
thinking of the Apple Card maybe since now I use Apple Pay for everything
cs02132
Supporter
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Gas & Restaurant Credit Card | Discover
With the Discover It Chrome credit card, earn 2% cash back at gas stations & restaurants on up to $1k in combined purchases quarterly. See terms.
www.discover.com
Think I’m gonna sign up for this
Looks like it’s a new discover it card, just without the rotating 5%. It has 2% at gas stations and restaurants 1% everywhere else
All I’m looking for is the year end cash back match
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Anyone with an apple credit card? The no fee thing legit? Overall hows the card?
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Beruseruku Desu
Supporter
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I have it. Yea no fees but the rewards are whack imo.
also I’m tryna get the new Samsung galaxy phone and if I do then I can no longer use the Apple Card. You need to have an iPhone to use it
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I wouldn't call the rewards wack. Apple Pay is pretty standard online and at POS terminals these days and the 2% back on Apple Pay matches your typical rewards card.
If you're in the Apple ecosystem the card is a no brainer imo. Use it for all your Apple products and services and collect your little 3%. Set to auto pay and call it a day.
Maybe not a good primary card but it's more than solid for what it's intended for and Daily Cash back beats any other cash back redemption method.
Aside from that the UI and mobile features are simply fantastic. Would love to see Apple up the rewards to 2% on all purchases and really apply some pressure on other issuers to follow suit in that area.
If you're in the Apple ecosystem the card is a no brainer imo. Use it for all your Apple products and services and collect your little 3%. Set to auto pay and call it a day.
Maybe not a good primary card but it's more than solid for what it's intended for and Daily Cash back beats any other cash back redemption method.
Aside from that the UI and mobile features are simply fantastic. Would love to see Apple up the rewards to 2% on all purchases and really apply some pressure on other issuers to follow suit in that area.
Beruseruku Desu
Supporter
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- 26,492
Yea I do agree that the UI of the app is amazing. Apple Pay 2% cash back is nice too. Esp with the rona since a lot of places ain’t accepting cash.
If you don’t plan on leaving the apple eco system then it’s a decent card. I just got salty cause I want the new galaxy phone lol
If you don’t plan on leaving the apple eco system then it’s a decent card. I just got salty cause I want the new galaxy phone lol
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Anyone with an amex how much you think is a good amount to request for a cli?
Sonny Corinthos
formerly joeclear
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I have blue cash peferred that had a 17 k cli , but today I told them to make it only a 5k cli . Because I don't need it for more than paying utilities .
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Personally I’ve asked for 5k increments and have gotten them, they’re pretty good with giving solid increases
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Just want to put this out there...
This very thread helped me get started with building my credit score about 5 years ago. I'm right under 800.
Anybody trying to start building their credit just know my PM is open for any questions etc. I'm not a financial advisor. I'm willing to offer the same help I got when I was younger. Cheers.
This very thread helped me get started with building my credit score about 5 years ago. I'm right under 800.
Anybody trying to start building their credit just know my PM is open for any questions etc. I'm not a financial advisor. I'm willing to offer the same help I got when I was younger. Cheers.
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Did you do the every 30 day request or 90?
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Every 6-12 months after the initial request. I did my biggest request after the first 3 months though , something like 10k
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Eff them because they never gave me my initial cli and closed my account only after 1 month of no activity
Sonny Corinthos
formerly joeclear
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That's wild
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About every 6 months or so
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Just got approved for Amex Everyday yesterday. My 2nd card of the rebuild. Just wanted something to boost my utilization and boost my score so I can go for the card that I really want:
The Fidelity Rewards card.
2% cash back on Everything.
What makes it dope to me is I can
have the cash back auto deposited
Into my Fidelity brokerage account and
buy stocks with it. (How is this legal?)
Growing money using free money.
It literally gets no better than this.
The Fidelity Rewards card.
2% cash back on Everything.
What makes it dope to me is I can
have the cash back auto deposited
Into my Fidelity brokerage account and
buy stocks with it. (How is this legal?)
Growing money using free money.
It literally gets no better than this.
cs02132
Supporter
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Just re downloaded mint.. the new updated app is so much better. I really didn’t like the old one
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Amex and discover usually give the biggest cli. Discover I did every 30 days after the initial 90 days. Would get $1-4k each time and stopped at 25k. Easily help your utilization with those 2 cards
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Do you still get taxed on those stocks once you sell?
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Yea but i hold (edit: over 1 yr) to avoid the heavy shorterm capitol gains tax and depending on your bracket, you can pay 0 to 20 with longterm capital. Plus your only taxed on the increase, not your inital investment.
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wow I like the sound of that a lot need that.
edit: just got approved for this. Everyday purchases about to be paid through this card thanks bud!
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cs02132
Supporter
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I pretty much only use it so I can see all my bank accounts, investments, and credit cards all in one place but you can set up a budget, set goals, see your money flow, credit score, etccs02132 (or anyone) - walk me thru Mint. I have it downloaded but never played with it.
I used to not like it but I like this update you should set up your account and check it out
I downloaded the NerdWallet app too because I like their site and I’m gonna see which I like better between the 2
