Credit card reddit

Mar 12, 2024 · The American Express Blue Business Cash™ Card (terms apply, see rates & fees) is a set-it-and-forget-it business credit card that lets you earn rewards without an annual fee. Consider this card ...Credit cards offer various incentives to their customers in a bid to keep them loyal. This article brings to your knowledge the best credit cards currently available for a frequent...May 30, 2015 ... r/CreditCards: A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar ...Looking for a card to earn more on NASCAR Shop purchases? Explore the Official NASCAR Credit Card from Credit One Bank. We may be compensated when you click on product links, such ...49$ PA and 8k points on sign up is shit. ANZ Frequent Flyer Platinum: Bonus 70,000 Qantas Points ($2,500 Spend in 3 Months), $0 Annual Fee First Year is currently the best card. The biggest hurdle will be your low income. Points per $ spend doesn't matter, the bonus points on sign up are the only thing worth it.A good annual percentage rate (APR) on a credit card is around 10 percent, says TheStreet. Some credit cards offer annual percentage rates that are even lower than this. The averag...Apr 11, 2023 · What to look for. Getting a second card that complements your spending habits is key. If you plan on carrying debt, find a card that minimizes the costs of doing so. Look for one with: 0% ...Jan 4, 2024 ... The three that seem to best fit that I've seen are the Amex Blue Cash Preferred (BCP), Amex Gold and Capitol one savior, but I'm open to any ...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...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 ...Jan 4, 2024 ... The three that seem to best fit that I've seen are the Amex Blue Cash Preferred (BCP), Amex Gold and Capitol one savior, but I'm open to any ...Curious if anyone has solved this issue. The apple credit card has 3 different card numbers. Physical, Digital, and Apple Pay. I guess someone hacked my account and signed up for reoccurring Family Club Now (Scam) monthly. Goldman Sacks cannot do anything about things paid for by Apple Pay as this number cannot be reset.Looking for a card to earn more on NASCAR Shop purchases? Explore the Official NASCAR Credit Card from Credit One Bank. We may be compensated when you click on product links, such ...USAA. In 1922, when 25 Army officers met in San Antonio, Texas, and decided to insure each other's vehicles, they could not have imagined that their tiny organization would one day serve over 8 million members and become one of the only fully integrated financial services companies in America. We believe they would be pleased to know that USAA ...Dec 8, 2021 · sxiom. •. Citi Double Cash (2% flat-rate cash back - 1% after purchase, 1% after paying off balance, $25 minimum redemption, 3% FTF) - No SUB, but you can get another Citi Credit Card like the Premier which has a SUB and then after a year downgrade it to the Double Cash.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 … Good luck. Currently use a couple of cards in rotation, but generally I use the AmEx Plat, Gold, and Blue Business Plus with some other cards (Amazon Prime Visa, CSP, Apple Card, etc.) for their niche purchases. AmEx Plat is for flights and perks really. Gold is for Groceries and Dining. 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/ ...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 ....Oct 21, 2020 · More benefits, more savings For travel, dining, shopping, fuel, groceries, and many more, there is HDFC Bank Credit Card for all your needs. You will get: Interest-free credit Amazing travel benefits Free Insurance Boosts credit score. Why you should apply from here: ️ 100% online process ️ Minimal …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, ...But paid it off in 4 installments. Upstart - A little bit better than net credit but still 34%. $3,000 at 34%. Yikes, but only place to get that kind of big money for that cheap. FIT Mastercard, Indigo Mastercard, Mission Lane Visa, Reflex Mastercard, Fortiva Mastercard - All unsecured credit cards for bad credit.Oct 25, 2018 · Please use credit responsibly. General advice for people looking for a first credit card in the USA: Since you probably have limited history, find a family member (such as a parent) who has good credit, and ask them to add you as an "authorized user" to one of their cards. You want a card that's been open for several years and has never missed …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 …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.PayPal Key is a virtual card that represents your PayPal wallet. PPK gives you a virtual credit card number, expiration date, and security code (which can be updated at any time) and can be used with any credit card or bank account in your PayPal wallet. This is probably the most versatile since it can be used with any credit or debit card. 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. Best rewards credit cards of December 2023. 6. bureaucracynow. • 3 mo. ago. I recommend the fidelity Visa card. You get unlimited 2% cash back on everything. You can deposit the rewards directly into a brokerage account or use the extra cash however you want. 5. goheels815. 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 ...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 …Capital one savor one is an underrated card. Discussion. 3% back on entertainment. So things like movie tickets, concert tickets, arcades, amusement parks, zoos. Or places similar to FYE. 3% back on dining. Things like restaurants, fast food and take out. 3% back on groceries. Self explanatory. Bank of America has 2 secured card options that earn cash back: The Unlimited Cash Rewards Secured card earns you a flat 1.5% cash back on purchases. The Customized Cash Rewards Secured card earns 3% cash back in your choice of categories like gas, dining, online shopping, etc; 2% cash back at grocery stores, and 1% cash back on everything else. 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 …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 ...A secured credit card is just like a regular credit card, but it requires a cash security deposit, which acts as collateral for the credit limit. This type of credit card is backed...5 credit card applications/new credit cards in the last 24 months. New cards over 24 months. New applications may just mean inqs, and inqs are irrelevant to 5/24. The flowchart (and basically everything in r/churning) ignores APR. This is really helpful.A subreddit for everything about credit cards in the Philippines. ⬇️See More Menu for FAQs and pinned posts. Members Online What Credit Card to apply for for first time userBudgeting money directly to the credit card category is primarily used when you first setup the credit card to budget for the starting balance, and to pay off unbudgeted debt from a previous month. I'd recommend doing it the way nYNAB suggests. I do 100% of our spending on CC and pay in full. Create CC as CC accounts.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 $500.Depending on how long you want the loan to be your payment will be a manageable amount and you should always be able to pay it off early. Once I received the check from the credit union, I immediately paid off all credit card debt. I was paying over 200$ a month in interest with the credit card debt and on a 3yr loan the payments were under 500$.What they do is only really sell 10+ cards at a time for about $50 each, and they usually enclose the cards in a box (about the size of a stack of paper) and mark it as "confidential" or "business papers"with a fake business name as the sender which is a green flag at the USPS since it could mean new secret technological discovery, and if they ...Nov 25, 2021 · Having multiple cards lessens the blow if you miss a payment. It would take a single card holder 100 months to reach that level of defense. Another thing is utilization. It would take a long time to use your credit to its full advantage if you had 1 card at $1,000 limit vs multiple cards with a collective high limit.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.6 days ago · Both types of cards might offer you the ability to spend towards higher levels of status. To learn more about the best co-branded credit cards, see our guides below: Best Southwest Credit Cards ...Jan 8, 2022 · Annual fees are worth it if your math checks out. I.e Tangerine offers 2% back on two categories (or three if you bank with them) with no annual fee. CIBC Dividend Infinite offers 4% cashback on gas and groceries, 3% on restaurants, transportation, recurring payments and1% on everything else for $120 a year.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 ...The Bank of America® Unlimited Cash Rewards Secured Credit Card * also earns flat-rate rewards while rebuilding your credit. A security deposit of $200 to $5,000 is required to open your account ...Aug 11, 2022 · I agree I save more money with Amex, on average, but I don't find Chase offers useless. Some of the ones I found worthwhile recently: 15% off at Hyatt Place/House, (capped at around $38, I think), Marriott (high cap, $85). 10% Back at Amtrak (capped at $9). 20% back at Quill (capped at $50. The monthly payment will be about $85/mo for 12mo for 1k and about $43/mo for 12mo for a $500 loan. 6) Once the loan money is available in your savings immediately after it funds, then CALL in and request the Secured Credit Card for $1k. Confirm that there won’t be an inquiry by applying over the phone. Gonna depend on what hub is close to you, personally I think either delta gold or delta platinum is the best for an airline card. CSP or CSR for general travel. You really have to know what airline you plan to fly with to benefit from an airline specific card. But I find it hard to justify any airline card in general as a casual traveler. Posts about deposit accounts, personal loans, credit card limit to cash loan offers (excluding cash advance), e-wallets (GCash/Maya) and e-wallet loans (GCredit, Maya Credit, SPayLater, CIMB Revi Credit, etc), bank debts, are NOT allowed. For app-related and accounts inquiry, you may call your bank hotline. Feb 8, 2022 · We reached out to our primary bank and they offered two options, one is a debt consolidation loan with a 10.5% interest rate for 4-5 years and the other is a home-equity loan with interest rate of 3.75 to 4.25 to a draw period of 5-10 years, this option would require $1,000 in closing costs and minimum loan amount of $20,000.Dec 7, 2023 ... State of my finances: I have a credit card debt of 72,000 due first week of January 2024. This includes P5,000 remaining of a credit-to- ...I have the basic AMEX blue cash everyday credit card. I’ve had it for about 2 years and I started with a credit limit of 3000, it has been raised by AMEX (I’ve never requested) to 11,000 over the past couple years. I have been traveling more and wanted a better rewards card for traveling and my sister suggest the Hilton Honors credit card.The package offers a couple of additional niceties (e.g. a debit card with 0.5% cashback, free withdrawal from all ATMs in the country, and no fees for online transaction conversions, the credit card gets you in a couple of EU airport lounges, etc.), but even without that, focused usage can make the package a pretty good deal.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% ...USAA. In 1922, when 25 Army officers met in San Antonio, Texas, and decided to insure each other's vehicles, they could not have imagined that their tiny organization would one day serve over 8 million members and become one of the only fully integrated financial services companies in America. We believe they would be pleased to know that USAA ...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 … 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 Budgeting money directly to the credit card category is primarily used when you first setup the credit card to budget for the starting balance, and to pay off unbudgeted debt from a previous month. I'd recommend doing it the way nYNAB suggests. I do 100% of our spending on CC and pay in full. Create CC as CC accounts.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.Best Credit Cards of February 2024; Best Gas & Groceries Credit Cards; Best Travel Credit Cards; Best Balance Transfer Credit Cards; Best 0% APR Credit … Good luck. Currently use a couple of cards in rotation, but generally I use the AmEx Plat, Gold, and Blue Business Plus with some other cards (Amazon Prime Visa, CSP, Apple Card, etc.) for their niche purchases. AmEx Plat is for flights and perks really. Gold is for Groceries and Dining. A subreddit for everything about credit cards in the Philippines. ⬇️See More Menu for FAQs and pinned posts. Members Online What Credit Card to apply for for first time userI have the basic AMEX blue cash everyday credit card. I’ve had it for about 2 years and I started with a credit limit of 3000, it has been raised by AMEX (I’ve never requested) to 11,000 over the past couple years. I have been traveling more and wanted a better rewards card for traveling and my sister suggest the Hilton Honors credit card.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 6, 2024 · Annual fee: $0. Other benefits and drawbacks: Like the Bank of America® Unlimited Cash Rewards Secured Credit Card * a minimum security deposit between $200 and 5,000 is required. Plus, the card ...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 …Yes. First of all the more cards you have, the less it will hurt your average age of accounts later down the road if you get a new one. Secondly, it will increase your overall available credit. If you have 1 card with a limit of 5,000 and use 1,000 of …Not a big repost complainer but this "credit card" usually makes it to the front page of r/funny once a month with the same comments "lol dude you left your info on it" and "that's copyright infringement they won't let you that. i'm getting internet old, apparently. Reply reply.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.Jul 14, 2021 ... Credit and Credit/Debit Cards. Should I get a credit card? We do not recommend getting a credit card if you: Have no emergency fund.The Bank of America® Unlimited Cash Rewards Secured Credit Card * also earns flat-rate rewards while rebuilding your credit. A security deposit of $200 to $5,000 is required to open your account ...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 ...Feb 27, 2024 · Annual fee: $0. Other benefits and drawbacks: The Wells Fargo Autograph℠ Card also offers an introductory 0% APR: 0% introductory APR on purchases for 12 months from account opening. A variable ... sxiom. •. Citi Double Cash (2% flat-rate cash back - 1% after purchase, 1% after paying off balance, $25 minimum redemption, 3% FTF) - No SUB, but you can get another Citi Credit Card like the Premier which has a SUB and then after a year downgrade it to the Double Cash. 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 ... Hey yall, I’m trying to come up with a credit card strategy for the new year. This is my current strategy, can anyone recommend a better setup? My goal is to maximize rewards. I’m open to applying to a new card as well. Amex Green: -Food/restaurants/dining 3x -Transit 3x -Travel 3x Amex Blue Cash Everyday -Groceries 3% -Online Retail 3% 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 purchases. I recently got into the credit card game and I’m trying to see what others are using for these categories. 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...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 …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 ...The package offers a couple of additional niceties (e.g. a debit card with 0.5% cashback, free withdrawal from all ATMs in the country, and no fees for online transaction conversions, the credit card gets you in a couple of EU airport lounges, etc.), but even without that, focused usage can make the package a pretty good deal. Credit cards are VERY, VERY profitable for banks. They are the best in terms of generating cashflow amongst all offerings. For reference, SBI Card's reported ROA has been 4-5% consistently, while banks generally make 2-3% ROA on other credit products such as personal loans, and an even lower ROA on car loans and home loans. Cdkeys is very legitimate and used by millions of people. It's legit but "advice" while using the internet always create a temporary digital card with a limited amount and single use, usually it can be done on your bank app. Been using CDkeys for …Learn the basics of credit, credit cards, and credit scores from a personal finance subreddit. Find out how to use credit responsibly, avoid interest and debt, and improve …Feb 27, 2024 · United isn’t the only airline with a no-annual-fee card, but it’s the best no-annual-fee airline offering. The United Gateway℠ Card * provides a few valuable benefits when a cardholder flies ...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 …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. MembersOnline. •. 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 ones that would give me good long term value. So I thought it might be a useful list to share. Sep 22, 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, …Looking for a card to earn more on NASCAR Shop purchases? Explore the Official NASCAR Credit Card from Credit One Bank. We may be compensated when you click on product links, such ...But paid it off in 4 installments. Upstart - A little bit better than net credit but still 34%. $3,000 at 34%. Yikes, but only place to get that kind of big money for that cheap. FIT Mastercard, Indigo Mastercard, Mission Lane Visa, Reflex Mastercard, Fortiva Mastercard - All unsecured credit cards for bad credit.r/personalfinance credit_building. Guidelines on Increasing Credit Scores. I already have established good credit, and I am looking to increase even more. I have no credit, and I am looking to get started. Step #0: Assess your financial situation. Step #0.5: Consider becoming an Authorized User. Step #1: Pick a Card. The US Bank Altitude Reserve will give you 1.5¢ per point on travel purchase period (you can use 3rd party sites, get better deals on flights). But it’s not always certain. Someone else can talk about the nuance with that. So from the major banks, 1.5¢ is close to the best as you’ll get. 6 days ago · Both types of cards might offer you the ability to spend towards higher levels of status. To learn more about the best co-branded credit cards, see our guides below: Best Southwest Credit Cards ...How about the PayPal mastercard, apple card or a discover much better first cards chase will probably deny you and capital one will bucket you into a 💩 card or worse a secured card with no path out. I say both. Chase has more cards and better rewards but cap 1 has the better premium card and customer service.Nov 16, 2021 · 53. valeyard89. • 2 yr. ago. Chase Sapphire Reserve.. expensive annual fee, but you get $300 travel funds reimbursed, plus Priority Pass access so that works out about the same price. Plus TSA Precheck/Global Entry reimbursement, 1.5X points for travel spend, 15% off Lyft, etc.Cdkeys is very legitimate and used by millions of people. It's legit but "advice" while using the internet always create a temporary digital card with a limited amount and single use, usually it can be done on your bank app. Been using CDkeys for …Feb 25, 2023 · If it already does, then the Amex Gold card could be good. After the credits, it's a $10 effective annual fee. But, I'll stress, that's only if you already do those things. It's not technically a travel card, but it gets 3x on flights and it earns Membership Rewards, which can be used for travel (transferring to Delta or international partners). Citi Custom Cash, which has a 5% category based on your highest spend of the month. The idea is you put everything on it, and it averages out to be somewhere around 2-3% back. Citi is an awful bank though, so be warned. US Bank Cash+ is also a top tier card with 5% back on utilities/internet. Here's the Worst Credit Card Advice We Found on Reddit. The Ascent. Knowledge. Credit Cards. Here's the Worst Credit Card Advice We Found on Reddit. …Yes, you can pay taxes with a credit card. The IRS allows you to pay your federal income taxes by credit card. But you often must pay a processing fee, typically … | Cyyfsmij (article) | Modddep.