Bank of America promotional offers are good. They have 3 promotional offers for me. One is 5.99% until March 2024, Direct Deposit 0.00% until September 2024 and Balance Transfer until September 2024. I don’t need any of this but I am kinda considering the Direct Deposit one .
I took this offer as well. It’s not awfully useful for me since I pay in full every month. But now with such a low interest rate I may think about creative ways to leverage this tool. You have any ideas?
Citi Custom Cash 5% cash back on the first 500$ on your top category. 1% if you go over $500. I am currently using mine for gas only. Before I had it for Restaurants only.
Discover it. 5% cash back Rotating categories. They will match whatever cash back you earned on the first year with the card. They have a pre approval website.
Your score will drop because of the hard inquiry and the average age of your credit will go down too. In your case I would maybe wait a little longer. Maybe until you reach 1 year.
The section of Request a credit limit increase on the app is a soft pull. If you call chase to request an increase it might require hard inquiry but there are recent reports that they are doing soft pulls now.
Check out chase cards before anything else because they have 5/24 rule. So if there is any chase card that interest you try getting it before anything else.
I assume you have a debit card. Try getting a credit with that same bank. You already have relationship with the bank so you have higher chances of getting a credit card.
I would call citi. They are reports of people getting approval after calling them. Worse case scenario they will tell you to wait but is worth to try it.
Update: I called them and they said there’s no way to bypass the 7-10 day wait to get the code in the mail. They did say that I can freeze my credit and they have all the information they need, so I assume they won’t see any applications I do after
I remember somebody posted that they got the 7-10 days wait and called them. Apparently the person messed up with some information on the application and got the approval after giving them the correct information. Hey but at least they told you about the credit report so I guess is safe to try applying for that other card you want.
This would be my first credit card, and I'm not sure it is VS, or what it means, sorry. I got that info from the Experian app. I did get approved for car loan last year.
VS is Vantage Score. Credit Karma uses that type of score. In your case I would go with Discover. Try the pre approval before applying. After 1 year try getting Chase.
On which bureau you have 7 inquiries? I have 6 on experian and 2 on TransUnion and Equifax. I did the pre approval and I am pre approved for their cards.
You need to consider the rewards that you want from the card. Any card can help build your credit. You just have to be responsible and make payments in full and on time.
Bank of America in my case I have an offer on my customized cash rewards. 0% APR until April 2025 with 4% transaction fee.
Just him
If you have Citi custom cash and you are using only for restaurants you can get 5% cash back for Uber Eats. It counts as restaurant.
Did you pay at the pump or inside? I avoid circle k because sometimes inside purchases count as grocery purchases.
Bank of America promotional offers are good. They have 3 promotional offers for me. One is 5.99% until March 2024, Direct Deposit 0.00% until September 2024 and Balance Transfer until September 2024. I don’t need any of this but I am kinda considering the Direct Deposit one .
They resolved the issue. My stuff is back to normal.
Many are having this issue. Don’t worry about it. This is Credit Karma garbage service.
Unfortunately they don’t show it on the app like other banks. You can see it when they give you the statement.
I took this offer as well. It’s not awfully useful for me since I pay in full every month. But now with such a low interest rate I may think about creative ways to leverage this tool. You have any ideas?
No idea. I am not planning to use it at all. Just be responsible about it if you are going to use it. Last thing you need is unnecessary debt.
Citi Custom Cash 5% cash back on the first 500$ on your top category. 1% if you go over $500. I am currently using mine for gas only. Before I had it for Restaurants only.
No mine didn’t report
Click experian boost and close it. It will update your experian report. For free no need to pay for anything.
Wow yeah mine reported the new one
Discover it. 5% cash back Rotating categories. They will match whatever cash back you earned on the first year with the card. They have a pre approval website.
Do you think it’s smart/ will help my score by opening a 2nd credit card. Obviously won’t carry a balance/ use it responsibly.
Your score will drop because of the hard inquiry and the average age of your credit will go down too. In your case I would maybe wait a little longer. Maybe until you reach 1 year.
Chase likes at least 1 year of credit history.
I look it up and seen that it is, am I possibly confusing for something else?
The section of Request a credit limit increase on the app is a soft pull. If you call chase to request an increase it might require hard inquiry but there are recent reports that they are doing soft pulls now.
Thank you, I was worried I might’ve screwed up
👍. Chase can be very stingy with their credit limits increases. Also you will not get an increase if you recently open the account.
Chase Freedom Flex should stop putting Amazon since they have the Amazon Prime card.
Check back when they post your new statement.
The cash back match on everything you earned for the first year makes it very worth it.
Check out chase cards before anything else because they have 5/24 rule. So if there is any chase card that interest you try getting it before anything else.
Try the pre approval site
If you click on the transaction you will see the cash back that you earned for the purchase. You will get the cash back after the closing date.
This I did not know! Awesome. Thank you 🙏
👍
I assume you have a debit card. Try getting a credit with that same bank. You already have relationship with the bank so you have higher chances of getting a credit card.
I would call citi. They are reports of people getting approval after calling them. Worse case scenario they will tell you to wait but is worth to try it.
Update: I called them and they said there’s no way to bypass the 7-10 day wait to get the code in the mail. They did say that I can freeze my credit and they have all the information they need, so I assume they won’t see any applications I do after
I remember somebody posted that they got the 7-10 days wait and called them. Apparently the person messed up with some information on the application and got the approval after giving them the correct information. Hey but at least they told you about the credit report so I guess is safe to try applying for that other card you want.
Maybe try Wells Fargo Reflect. 18 months 0% APR with 3 months extension as long as you make payments on time. So it would be a 21 months 0% APR.
This would be my first credit card, and I'm not sure it is VS, or what it means, sorry. I got that info from the Experian app. I did get approved for car loan last year.
VS is Vantage Score. Credit Karma uses that type of score. In your case I would go with Discover. Try the pre approval before applying. After 1 year try getting Chase.
Yeah, it sounds like solid advice, thanks.
Honestly Discover is really good. Take advantage that they will match the Cashback that you get for the first year.
On which bureau you have 7 inquiries? I have 6 on experian and 2 on TransUnion and Equifax. I did the pre approval and I am pre approved for their cards.
You need to consider the rewards that you want from the card. Any card can help build your credit. You just have to be responsible and make payments in full and on time.