Are you addicted to this forum?

For just about anything you want to get off your chest about credit cards.
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Postby bisbicos » Mon Aug 27, 2012 6:23 pm

I love this website. It has helped me improve my credit score and maximize my rewards and cash back. I'm on here everyday
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

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Postby murakami » Mon Aug 27, 2012 9:18 pm

I must confess that I have been coming to the site/boards rather frequently in the last few months but only started posting recently.

Credit and rewards have become somewhat of an obsession of mine lately. I will talk about it with anyone who will listen.

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Postby jumbo » Mon Aug 27, 2012 9:43 pm

Answering this post answers the question!
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
Gold Delta AMEX | Citi DoubleCash | Citi Simplicity
Chase Freedom | Kohls Charge Card

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Postby xdunlapx » Mon Aug 27, 2012 10:40 pm

shoptalk01 wrote:I think I've been shocked by the fact that not many financial people around here (locally) know how credit works. I keep hearing that we need to stop using credit, cancel all credit cards and use cash only or the more confusing one, only use credit cards in emergencies. ..........

I am being told in a college class that is required for me to take for my degree program (programming degree) that credit is only to be used sparingly and not as a sole means to buy anything except for in emergencies such as the furnace needing replaced and if you dont have the money in cash or savings, etc... So I can see why so many people are indoctrinated that credit is bad. To not use it except in those instances. After reading this forum and another forum I can see how credit is very useful! I just know I (personally) have to be careful because of prior bad habits in spending anything and everything on credit and spending much more than I made for a living. I don't have a job anymore due to mental illness but I need to rebuild my credit in case I am able to work and am looking for a job after college... Employers look at your credit report to see if you are worthy of the job. I went to an employer and had an interview and she asked to pull up my credit report and I said ok and she told me in order to work for her company I needed _NEEDED_ to pay off those collections debts. Luckily I did get those paid off but I didn't want to work for her company because she would require I wear a skirt suit to work or a dressy dress. panty hose, heels, etc. I refuse to do that so I didn't return to her and ask for a job after I paid those small things off.

I just think it's insane how employers can do such a thing as deny you a job because of credit problems even as simple as maybe $200 or less in collections! Anyway rant over.

I plan on using my secured credit card that I'm getting in the mail this week for normal purchases such as stuff I use every day and need to buy on a monthly basis. The credit limit I think is only about $200 or $300 but I'll find out when I get the card and read the paperwork and create my account at capital one's website.

I am addicted to this forum! I visit here multiple times per day to see if new questions have been posted or new answers to questions I am interested in.
Capital One Secured Mastercard (9/2012) $226 limit

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Postby sakhalin » Tue Aug 28, 2012 4:51 am

I've lurked for awhile and only created an account about a month ago, but still haven't really posted. Just lurking has helped me a lot! I'll try to post more, lol. But yes, I'm addicted to this forum and I'm now addicted to credit..
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)

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Postby hematino » Tue Aug 28, 2012 10:57 am

Great topic, PlatinumAMEX94!

I do find myself checking this forum every day or two, it has really been a learning experience. I like learning new things about credit and sharing and listening to other people's experiences. To me it's like a game-- any company, banks included, are out to make as much money as they can off of you. I have learned my lesson in the past, now I'm out to try and benefit off of them instead of the other way around. As others have stated, I've also really maximized my own cash back and rewards after all the education I've gotten here and a few other places online. After research I've been able to get maybe 80% of the cards so far that I want in my long term lineup.
Now she's eyeless.
The snakes she held once
Eat up her hands.

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Postby jeffysdad » Tue Aug 28, 2012 11:14 am

I count myself among those who has "learned his lesson" about credit. I think in many/most cases, trouble with credit depends upon one's age/lifestage. When I didn't have any money or stuff, it was easy to overextend myself with credit. While I always paid my bills on time, it was a burden to carry that debt, and I did incur interest, even though I did everything I could to beat it down with card surfing, promo offers, calling the banks, etc.

Now that I'm older and have more money and stuff, I want less and have the means to acquire what I want that I don't have. It's easy to manage credit constructively when you're older, I think.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby TheLizard » Tue Aug 28, 2012 8:51 pm

Hi everyone! Just came across this site today and I'm looking forward to learning a few things from you folks.
I've been working dilligently to rid my debt and so far, I'm doing okay.

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Postby jlam572 » Tue Aug 28, 2012 9:28 pm

I only post at work lol.
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Capital One Visa Platinum
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Postby ReadyTuna25209 » Wed Aug 29, 2012 4:36 pm

Yeah, I found myself on here either once a day or every other day. I can't deny that there is some really good information on here. Nothing better than reaping the benefits of each other's experience. Plus, I'm obsessed with my credit score and being financially stable. When I apply for a credit card, I make sure I get it. :D
AMEX Blue Sky (November 2012)
Citi Diamond Preferred MC (August 2012)
Discover It (August 2012)
Orchard Bank MC (June 2011)
Bank Americard Cash Rewards (September 2010)

Current scores: 715 TU / 724 EQ / 724 EX

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