I am the credit card king!

For just about anything you want to get off your chest about credit cards.
61 posts
Celestine
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Location: Los Angeles, California

Postby Celestine » Sun Apr 15, 2012 9:47 pm

Oh my! This discussion thread makes me laugh. No offense to anyone.

Unless you are in the bracket of high earners and millionaires then you are getting the worth of having many credit and charge cards.

But for average people or average earners having those many of cards are an overkill.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln


JCarter
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Postby JCarter » Mon Apr 16, 2012 10:20 am

irvine801 wrote:jacob your a F****** boss. That's insane!! :) what do u do for a living? Your list of cards is so crazy. What's the everyday card blue cash or centurion?


I am a partner in a law firm, and I chair the complex litigation department for (2) of our offices.

JCarter
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Location: Virginia

Postby JCarter » Mon Apr 16, 2012 10:22 am

irvine801 wrote:jacob your a F****** boss. That's insane!! :) what do u do for a living? Your list of cards is so crazy. What's the everyday card blue cash or centurion?


Oh and the Blue Cash is my primary use American Express.

JCarter
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Postby JCarter » Mon Apr 16, 2012 10:23 am

Celestine wrote:Oh my! This discussion thread makes me laugh. No offense to anyone.

Unless you are in the bracket of high earners and millionaires then you are getting the worth of having many credit and charge cards.

But for average people or average earners having those many of cards are an overkill.


None taken. The only reason for my response was to shut him and his ego up.

irvine801
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Location: Salt lake city, UT

Postby irvine801 » Mon Apr 16, 2012 10:29 am

Sir, after u get bored with your current lambo, I call dibs! Haha jk. Well that sounds cool.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

JCarter
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Location: Virginia

Postby JCarter » Tue Apr 17, 2012 11:45 am

irvine801 wrote:Sir, after u get bored with your current lambo, I call dibs! Haha jk. Well that sounds cool.


Sorry, no lambo. I do have a Lotus, but that isn't really a high dollar purchase. I bought it a few years ago during my midlife crisis years.

irvine801
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Location: Salt lake city, UT

Postby irvine801 » Tue Apr 17, 2012 11:34 pm

Oh nice. LOL lotus elise I'm assuming?
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

JCarter
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Posts: 323
Joined: Thu Mar 15, 2012 10:40 pm
Location: Virginia

Postby JCarter » Wed Apr 18, 2012 3:37 pm

irvine801 wrote:Oh nice. LOL lotus elise I'm assuming?


Correct. British racing green.

irvine801
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Location: Salt lake city, UT

Postby irvine801 » Wed Apr 18, 2012 3:45 pm

Oh nice. Yeah there is a couple out here in salt lake city. And I see the occasionall ferrari/ lamborgini :)
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

zeroka
 
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Joined: Wed Apr 18, 2012 8:32 pm
Location: Kentucky

balance on credit card

Postby zeroka » Wed Apr 18, 2012 8:39 pm

hi guys!

I am trying to improve my credit score. Is it better to keep minimum balance on y credit card month to month, or should I always pay fully?

consideration points:
1. fully paid, max credit score but wouldnt it affect me negatively that the credit bureau may think I am not using at all my card?

2. keep a small balance, they will know im using the card and paying almost in full.

please advise. thanks



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