Credit & CC websites

For just about anything you want to get off your chest about credit cards.
11 posts
pac4toon
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Credit & CC websites

Postby pac4toon » Sat Jul 06, 2013 1:31 pm

I really like this forum and I happened upon it by accident. (Lucky thing)
I know there are other websites out there that I am unaware of (until today) such as creditcardchaser that have good reading material. What other websites are there?
I know a few:

creditcard
nerdwallet
creditkarma
creditsesame
In my wallet:
AmEx PRG/ BoH Hawaiian Airlines WEMC / Chase Freedom /

In my sock drawer:
AmEx HHonors & BCE


beef.stu
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Postby beef.stu » Sat Jul 06, 2013 1:59 pm

flyertalk has a decent credit card section that is more about using cards for signup bonuses

also, myfico.com has a forum that has some good reading, although the layout is not that great and they are generally more focused on maintaining or rebuilding fico scores
(01/10) - Wells Fargo VISA Platinum
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature

MemberSince99
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Postby MemberSince99 » Sat Jul 06, 2013 4:08 pm

beef.stu wrote:flyertalk.com has a decent credit card section that is more about using cards for signup bonuses

also, myfico.com has a forum that has some good reading, although the layout is not that great and they are generally more focused on maintaining or rebuilding fico scores


To translate what beef.stu said about myfico, just take that to mean "gardening". You'll see that over and over and over and over again on that forum. I think those guys would rather garden than win a free trip to a tropical paradise or hit the winning lottery numbers. And be careful what you post, make sure it's completely 110% PC at all times unless you become one of the "good ole boys" on that site, or you'll find yourself quickly banned.

pac4toon
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Postby pac4toon » Sat Jul 06, 2013 7:32 pm

MemberSince99 wrote:To translate what beef.stu said about myfico, just take that to mean "gardening". You'll see that over and over and over and over again on that forum. I think those guys would rather garden than win a free trip to a tropical paradise or hit the winning lottery numbers. And be careful what you post, make sure it's completely 110% PC at all times unless you become one of the "good ole boys" on that site, or you'll find yourself quickly banned.


Got it. Thanks for the heads up
In my wallet:
AmEx PRG/ BoH Hawaiian Airlines WEMC / Chase Freedom /

In my sock drawer:
AmEx HHonors & BCE

BirthdayBoy
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Postby BirthdayBoy » Sat Jul 06, 2013 8:15 pm

There's also Creditboards: The forums of broken dreams. Who are fantastic for legal advice, but are otherwise primarily only good for rebuilding.
Ficos:
Ex- 705 AMEX pull (5/13), Tu: 753, Eq:685

Cards:
First Premier Pimpcard 0.7k (01/10), Capital Bank (secured) 1.0k (02/11), Amex Delta 2.0k (5/13), Chase Freedom 1.5k (5/13), Discover It 5.0k (5/13), Capital One Cash Rewards 2.5k (5/13), DCU Platinum Visa 7k (12/13), Barclaycard Arrival World Mastercard 5.0k (01/14)

hematino
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Postby hematino » Sun Jul 07, 2013 2:15 pm

Creditboards has a great database for credit pulls. It compiles a bunch of data from applicants for tons of cards/loans, their location, their scores, what bureaus were pulled, and what the result was. Its pretty cool if you're researching a specific card before applying.
Now she's eyeless.
The snakes she held once
Eat up her hands.

BirthdayBoy
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Postby BirthdayBoy » Sun Jul 07, 2013 3:31 pm

Oooh, I forgot about their database, which is indeed mighty handy. Whogavemecredit is also good for that.

One thing about creditboards though, is that their moral compass is calibrated somewhat differently than other forums.
Ficos:

Ex- 705 AMEX pull (5/13), Tu: 753, Eq:685



Cards:

First Premier Pimpcard 0.7k (01/10), Capital Bank (secured) 1.0k (02/11), Amex Delta 2.0k (5/13), Chase Freedom 1.5k (5/13), Discover It 5.0k (5/13), Capital One Cash Rewards 2.5k (5/13), DCU Platinum Visa 7k (12/13), Barclaycard Arrival World Mastercard 5.0k (01/14)

MemberSince99
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Postby MemberSince99 » Sun Jul 07, 2013 4:03 pm

I just had to check out creditboards to see some of that moral compass in action. Doesn't seem that bad to me. I did find it interesting how much of a player Chexsystems was though in things and apparently telecheck. I knew of those entities only vaguely before, and I had no idea they do what they do. Seems kind of like just more agencies who say whatever they feel like saying about you, and you have no recousre, though if I said untrue things that damaged THEIR reputation they could well sue me for it. Gotta love how we do business in the good old US of A. (Sarcasm there).

Maybe ignorance is bliss. The more I learn the less I like things. I'd rather take the red pill and wake up in my bed and pretend the Matrix doesn't exist :D

BirthdayBoy
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Postby BirthdayBoy » Sun Jul 07, 2013 5:53 pm

ARS (not to be confused with the collection agency of the same name) is another bureau that operates outside the FCRA, but can nonetheless ruin your day.

As far as the morality of creditboards goes, around here we focus on how to maximize your score by modifying our own behavior. Creditboards is a little more focused on gaming the system. Whether or not it's immoral, it surely would not fly over on the FICO forums.
Ficos:

Ex- 705 AMEX pull (5/13), Tu: 753, Eq:685



Cards:

First Premier Pimpcard 0.7k (01/10), Capital Bank (secured) 1.0k (02/11), Amex Delta 2.0k (5/13), Chase Freedom 1.5k (5/13), Discover It 5.0k (5/13), Capital One Cash Rewards 2.5k (5/13), DCU Platinum Visa 7k (12/13), Barclaycard Arrival World Mastercard 5.0k (01/14)

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djrez4
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Postby djrez4 » Sun Jul 07, 2013 7:57 pm

BirthdayBoy wrote:Oooh, I forgot about their database, which is indeed mighty handy. Whogavemecredit is also good for that.

One thing about creditboards though, is that their moral compass is calibrated somewhat differently than other forums.


I really like the CB database but have trouble weeding useful information out of the WhoGaveMeCredit site. It always returns jumbles of data in a small window that's difficult to utilize.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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