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Search: Posts Made By: takeshi74
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Mar 27, 18, 9:22 pm
Replies: 16
Views: 2,239
Posted By takeshi74

Denials aren't recorded. A hard pull's impact...

Denials aren't recorded. A hard pull's impact isn't affected by approval or denial.
Mar 27, 18, 9:19 pm
Replies: 8
Views: 1,787
Posted By takeshi74

They won't cover transferring UR points like the...

They won't cover transferring UR points like the CSR though.
Mar 19, 18, 9:29 pm
Replies: 66
Views: 18,500
Posted By takeshi74

Mine don't compliment each other. How did you...

Mine don't compliment each other. How did you get them to talk? :D
Mar 13, 18, 8:37 pm
Replies: 229
Views: 77,077
Posted By takeshi74

As long as it's a card that reports on statement...

As long as it's a card that reports on statement date. Most but not all do. As stated above you can see when your accounts last reported by looking at your reports (or a service that provides such...
Mar 9, 18, 5:11 pm
Replies: 229
Views: 77,077
Posted By takeshi74

Individual utilization matters as well as...

Individual utilization matters as well as overall. Unless you're intending to immediately apply for new credit, request a CLI, etc, it probably won't matter much anyway.

FYI - Chase will perform a...
Feb 22, 18, 6:53 pm
Replies: 12
Views: 1,567
Posted By takeshi74

You don't have to travel a lot -- you just have...

You don't have to travel a lot -- you just have to find high value/low miles redemptions. If you can't/don't want to do that then you're stuck with cash back.
Dec 8, 17, 8:48 pm
Replies: 5
Views: 955
Posted By takeshi74

To answer your question we would need to...

To answer your question we would need to understand your concerns with the credit limit.

Personally, I wouldn't reduce any limit unless it was preventing me from doing something with a creditor. ...
Oct 31, 17, 7:54 am
Replies: 467
Views: 127,419
Posted By takeshi74

As far as the letter of the agreement it's a gray...

As far as the letter of the agreement it's a gray area but I'd say Chase has also worded their agreement carefully to allow them to shut down this sort of activity and they can also go after your...
Oct 31, 17, 7:48 am
Replies: 12
Views: 990
Posted By takeshi74

Unless your creditor will refund the fee shortly...

Unless your creditor will refund the fee shortly after posting you need to do so before posting if you're looking to avoid paying the fee. The payment due date isn't relevant to whether or not your...
Oct 31, 17, 7:46 am
Replies: 465
Views: 108,212
Posted By takeshi74

If you're focusing your search too tight you'll...

If you're focusing your search too tight you'll have problems. Regardless of spend the approach to analysis is the same. With rewards programs you still have to do your own homework to determine...
Oct 27, 17, 8:01 am
Replies: 28
Views: 3,043
Posted By takeshi74

UR is much more useful to me which is why I...

UR is much more useful to me which is why I closed out our MR cards. It also make sense for us to focus on om one rewards system versus spreading it out among multiple programs.
Oct 27, 17, 7:59 am
Replies: 30
Views: 16,050
Posted By takeshi74

It does help to include the specific service. ...

It does help to include the specific service. Each CRA offers a number of different services and the options for each service can vary.

You can certainly use the Annual Credit Report site. There...
Oct 26, 17, 10:24 am
Replies: 11
Views: 1,123
Posted By takeshi74

Figure out the value you can get per point with...

Figure out the value you can get per point with each system versus just looking at number of points. Iíd go with UR but I can get much better value per UR versus MR but your situation may be very...
Oct 25, 17, 8:32 am
Replies: 5
Views: 932
Posted By takeshi74

Try a site restricted Google search next time....

Try a site restricted Google search next time. Using your keywords in double quotes in the subject it was the second hit for me, first one being this thread.

Using this search as an example youíd...
Oct 24, 17, 9:05 am
Replies: 24
Views: 4,013
Posted By takeshi74

Itís like the old Good, Fast, Cheap triangle and...

Itís like the old Good, Fast, Cheap triangle and you want all 3 but thatís impossible. If you want fast and easy then cash back. If you want max value itís a lot of time and effort and potential...
Oct 24, 17, 8:53 am
Replies: 7
Views: 1,099
Posted By takeshi74

Cant comment on the card selection other than you...

Cant comment on the card selection other than you need to consider whether youíre spreading yourself too thin with different programs. Make sure you look into redemptions and how many points youíre...
Oct 24, 17, 8:42 am
Replies: 15
Views: 1,755
Posted By takeshi74

Best is highly subjective just as it is on any...

Best is highly subjective just as it is on any topic. If one program was universally best then weíd all use that program and none of us would use the others.

Others have posted things you actually...
Oct 18, 17, 7:43 am
Replies: 6
Views: 935
Posted By takeshi74

Definitely do not conflate inquiries and new...

Definitely do not conflate inquiries and new accounts. While a new credit account typically involves an inquiry, not all inquiries lead to new accounts. One may be denied, for example. Hard inquiries...
Oct 18, 17, 7:17 am
Replies: 11
Views: 1,706
Posted By takeshi74

You should be considering total cost versus...

You should be considering total cost versus benefit instead of AF versus no AF. Otherwise youíre likely to overlook cards suited to you.

The first thing you need to do is sort out which rewards...
Oct 5, 17, 7:56 am
Replies: 14
Views: 1,283
Posted By takeshi74

The PenFed Platinum Cash Rewards card has not...

The PenFed Platinum Cash Rewards card has not been available for new applications for quite some time now. The Platinum Rewards Visa Signature is available but it is 5x on gas and IIRC the...
Oct 4, 17, 7:44 am
Replies: 10
Views: 1,355
Posted By takeshi74

I’m just pointing out what matters as far as FICO...

I’m just pointing out what matters as far as FICO scoring impact due to closing a credit card but, yes, if one determines that there would be a significant spike in utilization from closing a card...
Oct 4, 17, 7:30 am
Replies: 18
Views: 3,056
Posted By takeshi74

Why do you think you need a higher credit score? ...

Why do you think you need a higher credit score? With FICO 8, 740-760 is generally the lower bound of where best terms are offered. You’re really not going to gain anything with 800+.

Keep in...
Oct 3, 17, 7:44 am
Replies: 10
Views: 1,355
Posted By takeshi74

A given score is only relevant to creditors that...

A given score is only relevant to creditors that use the score in decisioning. Most creditors do not use VantageScores for credit decisions and use one of the FICO models.

With FICO, the...
Sep 25, 17, 7:19 am
Replies: 17
Views: 6,460
Posted By takeshi74

Nope. A freeze will not prevent a creditor who...

Nope. A freeze will not prevent a creditor who has an existing relationship with you from soft pulling. However, it will prevent hard pulls.

Any monitoring service has the potential for errors. If...
Sep 19, 17, 7:14 am
Replies: 82
Views: 22,138
Posted By takeshi74

Why do you feel the need to figure it out? You...

Why do you feel the need to figure it out? You really only need to figure out if it suits you or not. Or anyone that youíre giving a recommendation to. People pay for all sorts of things that donít...
Showing results 1 to 25 of 384
 

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