Credit card reddit

Credit Card Basics. Once a month, you'll get a statement that tells you how much you spent, how much you paid, a due date, the statement balance, and minimum payment. You should always pay, at minimum, the statement balance before the cutoff time of the due date (many lenders do not use midnight!). You can pay before the statement if you wish ... Feb 29, 2024 · Annual fee: $0. Other benefits and drawbacks: The most notable benefit of the Bank of America® Unlimited Cash Rewards credit card for Students is its 0% intro APR for 15 billing cycles for ...Some people believe that you should avoid getting a credit card as they generate debt. However, without one you will be missing out as they offer protection when buying items onlin...Nov 28, 2022 ... Just so you know, we've opened a new forum outside of Reddit to ask questions and get advice from our community; as well as to share privacy ...Chase Freedom Flex (5% rotating categories and cell phone protection benefit when you pay your cell phone bill with the card) Chase Freedom Unlimited (3% on dinning, 1.5% on everything else) Amazon Prime Rewards (5% at Amazon/Whole Foods, but no 0% intro APR offer, also easier to qualify for than "core" Chase credit cards) germdisco. • 1 yr ...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 ...Feb 18, 2022 · This is an excellent comment. An entire industry has sprung up focused solely on marketing these luxury credit cards to people like you in exchange for referral fees and advertising from credit card issuers. The issuers make money off people who want to get in on the “points game” and can’t make the minimum …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 ...Miserable-Result6702. •. Probably because it offers 3% in a lot of spend categories. Reply reply. FormerCollegeDJ. •. Here’s the answer, along with more specifically 1) travel is one of the 3% categories and 2) there is no annual fee. The cellphone plan benefits (damage coverage, 3% rewards) are good too. Finally, avoid the following credit card companies: Credit One, First Premiere, Milestone, Indigo, Fingerhut. A good rule of thumb is if they have a range for the annual fee, avoid them. These banks prey on low scores by charging fees for nearly everything, holding payments for 5+ days, or even an "application processing" or "account opening" fee. May 13, 2021 · Target makes a Credit card, but they also offer a debit card for 5% off at target. If you do a lot of Target shopping, it's probably worth getting one or the other. US Bank Altitude Go card might be a good option for you. It is the best travel card no matter how many people keep raving about Chase cards.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- ...77 votes, 138 comments. 1.4M subscribers in the PersonalFinanceCanada community. Couldn't agree more. A lot of blogs/articles tend to point you to some general direction but since everyone's financial situation and spendings are different, it's hard to say what card is best for them without actually understanding them.If you want to maximize rewards, you probably need to use more than 1 credit card. Read up on our best credit card combinations here! We may be compensated when you click on produc...77 votes, 138 comments. 1.4M subscribers in the PersonalFinanceCanada community. Couldn't agree more. A lot of blogs/articles tend to point you to some general direction but since everyone's financial situation and spendings are different, it's hard to say what card is best for them without actually understanding them.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...The wiki on our sidebar has an entire compendium of no-annual-fee, flat-rate cashback cards, listed in descending order of cashback rate. The wiki also indicates which (if any) ancillary benefits (such as car rental CDW, extended warranty, etc.) are included with the card .I'd recommend the SoFi Credit Card ($200 SUB for applications via Credit Karma) …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% ...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 …The main challenge many people with bad credit face when applying for a credit card is having a limited number of good options. Establishing a positive payment history on a new cre... Ex. BOA customized cash rewards set to online purchases - 5.25% on online purchases, 3.5% on groceries ($2500 quarterly cap) BOA premium rewards - 3.5% on travel/entertainment, 2.625% on everything else. If you can't recoup the AF via the credits, then instead use their Unlimited Cash Rewards card - 2.625% on everything. Feb 2, 2024 · NYC launches $53M program to hand out pre-paid credit cards to migrant families. "A family of four, for instance, could be provided nearly $1,000 each month, which comes out to $35 per day for food. Cards will get re-filled every 28 days." "It’ll start with a group of 500 migrant families in short-term hotel stays and …Reddit has joined a long list of companies that are experimenting with NFTs. Reddit is launching a new NFT-based avatar marketplace today that allows you to purchase blockchain-bas...According to WalletHub’s analysis of 1,500+ credit card offers, the best secured credit card with no credit check won’t even charge you an annual fee. Plus, cards with no credit check still report to the major credit bureaus, giving you the chance to add positive credit history on a monthly basis. These credit card rewards will continue to transfer to your student loan(s). Sallie Mae MasterCard Rewards can be redeemed to your eligible Navient and/or Sallie Mae student loans as follows: If your loan(s) are exclusively serviced by Navient – you will select “Navient loan” as your redemption option in the Sallie Mae MasterCard Rewards ... Jun 29, 2023 ... Always used a CC for daily spending. Mainly because there has been cashback for the last 15-20yrs, usually at 0.5-1% rates, you also get section ...Apr stands for annual percentage rate. A credit card basically acts as a loan that is always available for your use. When you take out a loan the company loaning you the money charges you money to borrow money and expects repayment at certain times. This amount of money charged is called interest. The amount that is charged is …Mar 8, 2024 · We came across very few instances of the profane or hyperbolic language so prevalent on today’s social media platforms. The following credit cards received favorable comments from Redditors. 1. Bank of America® Customized Cash Rewards credit card. at Bank Of America’s secure website. 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. 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 …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. …I’ve got 3 different CCs with hefty credit limits. Even if two were to get locked somehow, I’d be fine. As for shredding the debit card, that was actually the recommendation of my banker at Chase. If I need to use my debit card to pay for something (which I haven’t in 6 years), it’s the same as cash, so I’d just get cash …Template for Card Recommendation Requests: Please use the following template so that everyone can make appropriate recommendations: Current cards: (list cards, limits, … Without any explanation, in rough order of "best": Harris Teeter Visa (Kroger) Citi Custom Cash. US Bank Cash+. Chase Freedom Flex. US Bank Altitude GO. Hi_thar. •. Too little information to tell you the best card for you. Jul 10, 2021 · You can downgrade your card with UnionBank. I did it for my Cebu Pacific GetGo CC with 3k AF before the anniversary month. Downgraded it to their Classic Visa so I didn’t pay the 3k AF for the GetGo CC. I got the GetGo CC back in June 2019 and was able to downgrade to the Classic Visa May 2021.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 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 ...Jun 27, 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, qualifying for a new …Chase Freedom Flex (5% rotating categories and cell phone protection benefit when you pay your cell phone bill with the card) Chase Freedom Unlimited (3% on dinning, 1.5% on everything else) Amazon Prime Rewards (5% at Amazon/Whole Foods, but no 0% intro APR offer, also easier to qualify for than "core" Chase credit cards) germdisco. • 1 yr ...Bank of America Cash Rewards. This credit card is one of my favorites. No annual fee, 3% cash back on your choice of multiple topics included but not limited to food, gas, travel, home repairs. But the rewards don’t stop there. You will also earn 2% back at grocery stores, and 1% cash back on all other purchases. 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. Learn from Reddit users how to use credit cards wisely and avoid common pitfalls. Find out the best starter cards, how to pay in full, keep your utilization low, and …Jul 15, 2022 · It does recover after 6 months tho. If you apply for 2 at the same time, you’ll take hit on your amount inquiries. Depending on your average age of accounts and how many accounts you have, it will affect that minimally if you have lots of accounts with lots of history, or detrimentally if you have little history with little accounts. [deleted ...Credit Card Basics. Once a month, you'll get a statement that tells you how much you spent, how much you paid, a due date, the statement balance, and minimum payment. You should always pay, at minimum, the statement balance before the cutoff time of the due date (many lenders do not use midnight!). You can pay … Finally, avoid the following credit card companies: Credit One, First Premiere, Milestone, Indigo, Fingerhut. A good rule of thumb is if they have a range for the annual fee, avoid them. These banks prey on low scores by charging fees for nearly everything, holding payments for 5+ days, or even an "application processing" or "account opening" fee. 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 ...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. …Chase Freedom Flex (5% rotating categories and cell phone protection benefit when you pay your cell phone bill with the card) Chase Freedom Unlimited (3% on dinning, 1.5% on everything else) Amazon Prime Rewards (5% at Amazon/Whole Foods, but no 0% intro APR offer, also easier to qualify for than "core" Chase credit cards) germdisco. • 1 yr ...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/ ...IMO, credit always, debit never. As a [very happy] long-time customer: Using a debit or credit card on AliExpress is generally safe. AliExpress uses secure payment methods, such as Escrow, which holds the payment in a secure account until the order has been delivered and confirmed as satisfactory by the buyer.A lot of them are part of credit card theft scams. They tell you that you'll be part of a package delivery network or something and you get paid to have packages sent to you, and then send them off somewhere else.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.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 …Dec 25, 2023 ... When you use a credit card, you are essentially borrowing money that you will have to pay back later, usually with interest. Credit cards can be ...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$. Ex. BOA customized cash rewards set to online purchases - 5.25% on online purchases, 3.5% on groceries ($2500 quarterly cap) BOA premium rewards - 3.5% on travel/entertainment, 2.625% on everything else. If you can't recoup the AF via the credits, then instead use their Unlimited Cash Rewards card - 2.625% on everything. Yes!!! I got an Apple Card last week and already cancelled it. The Apple Card has a “daily spending limit” that is only a few grand (and not all of their products qualify for 0% financing over 12 months). You can have a $100k credit limit, …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.Any debit card should be halal. If ur talking about financing, there are a lot of credit card providers that offer 0% APR for first 12 months. Unfortunately, pretty much all credit card providers will charge you interest if you’re late on payments so …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 …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 … List of the best category cashback credit cards. Below is a list of no annual fee category cashback credit cards with a minimum of permanent ( non-promotional) 3% category cashback. We omitted cards with an annual fee. An annual fee card that often comes up is the American Express Blue Cash Preferred. Consumers can find banks that accept Discover credit cards by using the bank and ATM locator on the Discover card website. Discover credit cards are accepted at numerous banks acro...2 days ago · Petal® 1 "No Annual Fee" Visa® Credit Card. Our pick for: No-deposit card with no annual fee. The issuer of the Petal® 1 "No Annual Fee" Visa® Credit Card doesn’t only rely on credit scores ...Dec 4, 2021 · I've been able to withdraw about $450 dollars in cash, and use points to knock least $250 of my credit card bill, and 3) the customer service. I've been able to call Chase and talk to representatives fairly quickly and have my issues resolved. They've been able help after my cards were hacked, too.Redditors Love These Travel Cards. There are dozens of card options to consider if you’re traveling abroad. Here are some of Reddit’s top picks for travel credit cards. 1. Chase …Nov 28, 2022 ... Just so you know, we've opened a new forum outside of Reddit to ask questions and get advice from our community; as well as to share privacy ...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 ...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 …With the rising price of college tuition and textbooks, students need all the money saving tips they can get. A great way to save money is to get a better card, one with lower fees...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 ...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/ ...Apr stands for annual percentage rate. A credit card basically acts as a loan that is always available for your use. When you take out a loan the company loaning you the money charges you money to borrow money and expects repayment at certain times. This amount of money charged is called interest. The amount that is charged is …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.Feb 13, 2023 · Will probably get a third this year. Capital One Spark - 2x back on every purchase. Great secondary card for everything else. But reports to personal credit. Chase Ink Premier - 2.5% back on large purchases (over $5k) and …If you are scared to get your cards info stolen, swipe your card, put your pin... as soon as you press "OK" and it says "Please wait", push a lot of buttons randomly. By doing so, the guy with the bluetooth will retrieve something like pin: 203301928301820198230813. Most of them don't even check for the "OK" buttons.Jul 17, 2021 · 5 hacks I learned from Reddit that helped me save $2,500 with very little effort. ... and advice that can help me pay off credit card debt, save more cash, fund my retirement accounts, and invest ... IMO, credit always, debit never. As a [very happy] long-time customer: Using a debit or credit card on AliExpress is generally safe. AliExpress uses secure payment methods, such as Escrow, which holds the payment in a secure account until the order has been delivered and confirmed as satisfactory by the buyer. 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. 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. Consumers can find banks that accept Discover credit cards by using the bank and ATM locator on the Discover card website. Discover credit cards are accepted at numerous banks acro... Credit Card Basics. Once a month, you'll get a statement that tells you how much you spent, how much you paid, a due date, the statement balance, and minimum payment. You should always pay, at minimum, the statement balance before the cutoff time of the due date (many lenders do not use midnight!). You can pay before the statement if you wish ... 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.A subreddit for everything about credit cards in the Philippines. ⬇️See More Menu for FAQs and pinned posts. Members Online Unemployed since Q4 2023 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. It's charge card limit v. credit card. I guess the point I should highlight is that Amex is easier to replenish after 5/24. Chase will somewhat bound you to velocity, esp early on. There are also perks grocery stores provide that office may not. Again, highly dependent on the person, their geography, and the options they have.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... GadgetronRatchet. •. It you are an Amazon Prime member, and pay for prime, and you do not intend to cancel your prime account any time soon. The Amazon Prime Credit card is an absolute no brainer, it's essentially a no annual fee card that earns 5% back on Amazon. Reply reply. 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...Mar 11, 2024 · Welcome offer: This card does not offer a welcome bonus. Annual fee: $0. Other benefits and drawbacks: The Capital One Quicksilver Secured Cash Rewards Credit Card charges a high 30.74% variable ...49$ 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. Amex is my go to. Blue business could suit your needs also. I got a Chase that only gives me %5 on utilities, like phone/internet, and other crap I don't do, and %1 on everything else. So %99 is all %1 back. Probably sucks, but that's probably normal for business cards, I don't know. | Crvkbgivpvkh (article) | Mqdskhs.