New to the board and hope to learn!

For just about anything you want to get off your chest about credit cards.
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C-NOTE
 
Posts: 2
Joined: Mon Nov 26, 2012 10:40 am
Location: United States

New to the board and hope to learn!

Postby C-NOTE » Mon Nov 26, 2012 10:59 am

Hey there guys. New to the board, but have been doing some research on this forum and have found nothing but helpful advice. Hoping to squeeze a little more out of you guys today ;)

So I am currently in the process of trying to select another credit card. I currently have capital one platinum. Keep getting offers from different banks. Got some from chase, one from citi and a couple from Amex (green and gold). I also bank with SchoolsFIrst Credit Union, but won't qualify for their credit cards unless I paper checks, being a barber and all, I get cash only. I hope they have a co-signer agreement so that i can get one of their credit card instead.

Anyways. I had my credit score checked by this company (scoresense.com). I wouldnt recommend using them, but I didnt do my research before using scoresense and was eager to find my credit score. Nevertheless, I cancelled their services and am going to be using myfico.com from now on. I have relatively new credit it isn't bad. Fair-good depending on the CC company I am researching. my three scores were EQF649 TU649 EXP681, and according to score sense they are legit straight from the Credit Bureaus for my free yearly check. This true or they givin my FAKO instead of FICO?

I would appreciate some advice from any and all. You all seem to know what you're talking about and Im ready to start working on bettering my credit.

Been doing tons of research on the best card for me right now but could use some more insight from you more knowledgeable people :)

Thanks in advance guys :lift:


FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Mon Nov 26, 2012 4:53 pm

Do you have late payments or outstanding collections accounts on your report? What offer did you get from Citi? Where do you spend most of your money?
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

C-NOTE
 
Posts: 2
Joined: Mon Nov 26, 2012 10:40 am
Location: United States

Postby C-NOTE » Mon Nov 26, 2012 11:47 pm

FutureBillionaire wrote:Do you have late payments or outstanding collections accounts on your report? What offer did you get from Citi? Where do you spend most of your money?


Can't recall what the Citi card was that they offered me. It was back a month or so and I might of misplaced the information or thrown it away. I have 1 late payment on my CC in the last 3 months.

I usually use my CC for wide variety of things. groceries, restaurants, and also payments for my gym memberships etc.

Are you asking if I have ever gone into collections for outstanding bills and such?

Thanks for the help



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