d*r
发帖数: 238 | 1 Your Credit Scores Affect Your Home Buying Ability
Home buyers who are seeking a loan find out early-on that their credit scores
play an important part in the home buying process and in determining the
interest rate that a lender offers.
It's a good idea to learn as much as you can about your credit reports and
credit scores before you apply for a loan. If your credit reports include
mistakes, you'll need some time to get them corrected. Some negative
information can be removed—with the help of |
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d*r
发帖数: 238 | 2 Use These Tips and Techniques and Watch Your Credit Scores Grow
Lenders look at your credit scores when you're buying a home, purchasing a
car, and to determine whether to loan you money for nearly all other credit
applications.
Before lending you money, creditors want to determine how much of a risk you
are—how likely you are to repay the money. Credit scores help them do that,
and the higher your score, the less risk they feel you'll be.
Most increases to your credit scores take place over tim |
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c*****l
发帖数: 46 | 3 Sigh... not lucky recently. Two month ago, MBNA closed all my 5 credit cards (
total credit about $20000) for no reason. (they have some excuse like I have
too many credit cards, I have more than 30 cards with total CL about $230K)
and today Chase closed all my 8 credit cards (total CL about $80000) for three
reason:
1. too many requests for reviews of credit (I opened about 7 new cards for 0%
BT offer with about 11 application)
2. High percentage of accs opened recently (which is due to same re |
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z****l
发帖数: 5282 | 4 ☆─────────────────────────────────────☆
landline (chaos) 于 (Wed Apr 5 10:27:30 2006) 提到:
from fw
Credit cards that hurt your credit score
By Kristin Arnold ?Bankrate.com
A no-limit credit card, often considered a valuable perk for cardholders,
could, in fact, damage your credit score and make any debt you take on more
expensive.
"Consumers who are thinking of opening one of these no-limit credit cards may
want to think how deeply their scores will be affected," says Craig Watts,
spokesman |
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H**********k
发帖数: 224 | 5 for score:
google credit karma. this gives you a fico-like score.
for report:
credit.com gives you a brief report of how many revolving account, each
with blah blah balance and yada yada payment...
or
https://aa.econsumer.equifax.com/aad/landing.ehtml
https://www.experian.com/reportaccess/
just pretend you are just declined credit by some bank.
是我
没取消membership就自动成为正式付费的membership。我只想查credit score，没别的需
求，所以每月交14.95对我来说是浪费。 |
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C*********y
发帖数: 1424 | 6 第二个我觉得是因为我用那个amex 的green rewards卡的缘故，没有limit,所以就把
balance作为了limit上限，影响了信用分数
第一个呢，是说我信用记录还太短？放在了negative的factor里面，
谢谢
Credit history
You opened your first credit account 5 years ago. This does not include
disputed accounts and accounts
for which the date opened is not reported. [ More ]
2.
Credit usage
You are currently using at least 50% of your credit limit on 1 open bankcard
(s). This only includes
accounts for which the credit limit or highest balance is reported. This is
because if the credi |
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n********n
发帖数: 641 | 7 由于一直用一个主信用卡,一个网上购物偶尔用的信用卡,所以一共两条trade line...
信用分数接近730...
不小心最近两个月新开了两个credit cards, 因为是新开的,所以要跟以前的算average,
导致creditscore 下降了20多分,成了703分了.
请问这种情况下把新开的这两个马付清然后close这两个account会有什么帮助吗?
请问还是什么能短期内提高credit score的方法?(没有过欠信用卡钱的记录,但关键是
credit line时间不够长...)
另外请问车贷2万左右现在马上全还上对提升credit score有帮助吗?
房子的offer突然approve了,Loan To Value<70,但由于新开信用卡导致的credit score
下降怎么才能在最短时间内弥补回来呢?
非常感谢! |
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l***n
发帖数: 731 | 8 【 以下文字转载自 Living 讨论区 】
发信人: learn (红秋叶), 信区: Living
标 题: 大家一般用什么网order 和查看自己的credit 历史
发信站: BBS 未名空间站 (Wed Jun 2 11:34:53 2010, 美东)
有人在网上order credit report 的经验吗？ 我的账号可能被盗用，要破费查和
dispute。 早上花了10刀，在http://www.experian.com/personal-credit/report-and-credit-score.html 上定了个experian的crdeit report， 没有什么详细的信息。只有今年的信息。发email去问，说是还要另外交钱。看来网上的瓶子和误导挺多的。
大家一般用什么网order 和查看自己的credit 历史？ |
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e******e
发帖数: 10121 | 9 自己注册一个公司就可以了，如何注册不说了。
你也可以和别人有身份的一起注册，只要你是公司的主要board memeber，卡也可以用
你的名字申请。
这样可以直接从公司开户银行申请business credit card，需要比较好的个人信用（虽
然运作上公司credit和个人credit是分开的）。如果你自己的credit不高的话就不用这
么折腾了。
biz credit card除了限额高以外基本和个人卡没什么区别。
报税和这个没关系。 |
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m**2
发帖数: 401 | 10 http://promo.bankofamerica.com/card_credits/CHC220OL
You already have a Bank of America credit card so why not have more control
over your other accounts too, and get rewarded for it?
Get more than $200 in statement credits on your credit card when you bank
with us:
Earn $100 for setting up Direct Deposit within 3 months.
Earn $20 each month for six months for paying your Bank of America credit
card online from your new Bank of America checking account.
Having your accounts in one place pays. Yo |
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g*****x
发帖数: 3283 | 11 最近打算贷款，去credit karma查了下score，结果显示thin file。来美国一年半，去年十月申请了第一张citi的
Dividend Platinum Select信用卡（确实是信用卡，不是debit card），日常消费几乎都用这张卡，平时都按时
还款，今年3月因为买机票还申请把credit line从3000提高到4000。
今年5月因为转学搬家，然后回国三个月。前段时间通过annualcreditreport查了一下
experian的纪录，发现有一条potential negative的纪录，是关于citi信用卡high balance（2500/3000），以
及正常的balance以及还款纪录，除此之外只有一些查询纪录。
此外，去年6月开了一个wellsfargo的account和debit card，今年8月因为搬家把这个帐户关了，又新开了boa
帐户。这个会有影响么？
但是今天在credit karma查询的时候直接说thin file，显示没有account可以计算credit score。但是在credit
report中是可以看到这个revolvi... 阅读全帖 |
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d***y
发帖数: 1850 | 12 如果刚开始用credit card的时候申请的卡，用了几年之后想换成其他reward高的卡，
怎么操作？把旧卡cancel掉换新卡？直接开新卡，旧卡闲置？
听说credit card太多或者cancel掉credit card， 都会影响credit score， 那大家都
是怎么办的 呢？
另外大家每人有几张credit card？
谢谢！！ |
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a*******e
发帖数: 428 | 13 最近我碰到了非常蹊跷的事，上来请教一下：
我在去年秋天曾经到一些地方添了一些表申请工作，大部分地方我只留下了姓名，住址
，电话，没有留ssn。大约在两个月后（11月底），我发现半月前有人用我的信用卡在
creditreport.com上买credit report（好像不是我的），我马上打电话给他们，让他
们refund.然后我又打电话给信用卡公司报告，信用卡公司马上停止我的卡，并给我邮
了一张新卡，新号码。我收到卡大约是12月10日，然后我只用了几次，可是新年后，我
曾不断的错过来自Lexington Law Firm的电话，我一直没有接到，也没在意，上个星期
，终于接通了，他们问我是不是我或者我家人要买credit report，我很确定地说没有
，对方就挂了，当时还奇怪他们怎么知道我的名字，住址和电话，不过当时以为是tele
marketing，也就没在意。但，今天发现又有人用我的新卡在去年底已经在
creditscorecomplete.com上买credit report（好像是我的，因为我一打过电话去，他
们就知道我的名字和住址），和上次一样，我告诉他们不是我买的repor... 阅读全帖 |
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f*******e
发帖数: 1300 | 14 是不是在一个月内用超过credit limit的20%， 就会在短期内影响credit score?
如果在几天内，也就是在月末前，就把balance付了，是不是就不会有任何影响？
最近打算用credit card全部支付来买车。应该怎么操作，不会对credit score有任何
影响。我支票帐户有足够的钱，只是credit card 有很好的rebate. |
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b*******s
发帖数: 308 | 15 http://www.creditreport.com/dni/default.aspx?SiteVersionID=952&
Ongoing Services Disclosure
By ordering your free credit score, you will begin a 7-day free trial of 3-
bureau credit monitoring and credit score tracking. You will receive email
alerts whenever there is a significant change to your credit reports or
score. After the free trial you will be billed a $19.95 monthly membership
fee. You may cancel at any time. There is no obligation. |
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z*******i
发帖数: 2904 | 16 那个experian给的也只是个plus score
The PLUS Score, with scores ranging from 330 to 830, is a user-friendly
credit score model developed by Experian to help you see and understand how
lenders view your credit worthiness. It is not used by lenders, but it is
indicative of your overall credit risk.
Lenders and insurers use several different credit scoring models so don't be
surprised if your lender gives you a score that’s different from the PLUS
Score you receive online.
Just remember that your associated... 阅读全帖 |
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r**********e
发帖数: 587 | 17 hi我想问一个很蠢的问题，到底credit union是啥啊？
我在UMASS，有个umassfive credit union，这个是独立单位还是隶属于credit union
的啊？
我现在已经拿到了UMASS的platinum VISA credit card，请问应该去哪里pay呢？是
credit union的网站还是umassfive的网站?
非常糊涂，求教。谢谢 |
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d*2
发帖数: 56 | 18 Hi
I want to open a new credit card. but I am worried it will effect my credit
score. Does any one know how much a new credit card will effect one's
credit score?
Thank you
dd |
|
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c*********y
发帖数: 1119 | 20 当时每张卡大约都承诺给了几十块的statement credit，和1张gift card（$10）。并
说于Statement credits will be issued by January 8, 2012 but may take up to 2
billing cycles to post to your account.现在每张信用卡在购买几天后就只给了一次$5
的credit，gift card也收到了。
问题是：
1. 它所谓的statement credit是不是指直接存入你信用卡钱数？
2. 除了现在每张信用卡就只给了一次$5的credit和gift card以外。等到现在一个都没有，
是不是真的从1月8号起等2 billing cycles？
3. 是不是大家也都没给？ |
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m*****a
发帖数: 2609 | 21 我们，学生或者新工人们，身边有很多亲人因为身份原因(F2, H4)，只能拿到ITIN。然
而既然我们打算在这里长期发展，很有必要尽早给她们也建立自己的credit history。
鉴于网上关于给ITIN的建立信用帖子很少，我最近恰好帮老婆办了一次，这也是once a
life time的机会，就写出来，写给只有ITIN的人们。
背景：本人F1五年，LD今年初才过来，三月份因为报税的缘故拿到ITIN。考虑H1B-绿卡
这条路还至少要几年，有必要现在就开始建立LD的credit history，以下就是我做的：
http://www.mitbbs.com/article0/Money/31761643_0.html
这里汇报结果，简单说：
一。LD拿到ITIN至今也不过三周吧，她已经独立拿到以下信用卡：
1. AMEX HHonor with 40K bonus (She is the primary and only cardmember, no
annual fee)
//索要了LD的chinese passport number
2. Capital one ??? rewards... 阅读全帖 |
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m*****a
发帖数: 2609 | 22 我们，学生或者新工人们，身边有很多亲人因为身份原因(F2, H4)，只能拿到ITIN。然
而既然我们打算在这里长期发展，很有必要尽早给她们也建立自己的credit history。
鉴于网上关于给ITIN的建立信用帖子很少，我最近恰好帮老婆办了一次，这也是once a
life time的机会，就写出来，写给只有ITIN的人们。
背景：本人F1五年，LD今年初才过来，三月份因为报税的缘故拿到ITIN。考虑H1B-绿卡
这条路还至少要几年，有必要现在就开始建立LD的credit history，以下就是我做的：
http://www.mitbbs.com/article0/Money/31761643_0.html
这里汇报结果，简单说：
一。LD拿到ITIN至今也不过三周吧，她已经独立拿到以下信用卡：
1. AMEX HHonor with 40K bonus (She is the primary and only cardmember, no
annual fee)
//索要了LD的chinese passport number
2. Capital one ??? rewards... 阅读全帖 |
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s**c
发帖数: 34339 | 23 Card 开卡奖励 (Bonus) 里程奖励 年费
British Airways Visa Signature Card® Up to 100k avios* see
term $95
Chase Sapphire℠ Preferred Card 40000 points* See Term 1st
year free
$95 thereafter
UnitedPlus® Explorer Card 40,000 miles* Up to 2 miles/$1
1st year free
$95 thereafter
Gold Delta SkyMiles(R) Credit Card from American Express 30,000 miles
* 1 miles/$1 1st year free
$95 thereafter
Miles by Discover® Card 12,000 miles... 阅读全帖 |
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a**********c
发帖数: 70 | 24 hard pulls （hard inquiries)让我很受伤啊。看似多一次，score降低10-20分.
Inquiries for credit, also known as hard inquiries, are placed on your
credit report whenever you apply for credit. These results are the inquiries
for credit over the last 2 years. It is important to note that soft
inquiries do not impact your credit score and are not counted in this metric
. |
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a**********c
发帖数: 70 | 25 账号数量也重要~ 关掉卡是否有用值得商量
The total number of credit accounts you have and the mix of credit you have
will affect your credit score. A healthy mix of revolving credit cards,
charge cards, installment loans and mortgages will also impact your credit
score. |
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p****x
发帖数: 4260 | 26 ☆─────────────────────────────────────☆
byta (byta) 于 (Thu Jun 7 20:14:11 2012, 美东) 提到:
上周接到collection的电话 说我有一个欠款 原来是去年退了租房以后发给我的账单
跟collection公司一核对地址 才发现他们账单的地址记错了 所以我一直没有收到过账
单 现在他们重新寄给我了一张账单 我也付过了 问题是这个记录留在了credit report
上 我觉得这完全不是我的错啊 有什么办法可以dispute么
☆─────────────────────────────────────☆
wmjbobic (Alex) 于 (Thu Jun 7 20:15:54 2012, 美东) 提到:
not a big deal i guess
i had the same thing and then i applied for a car loan, no question asked
report
☆───────────────────────────────────... 阅读全帖 |
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f******s
发帖数: 3849 | 27 好像以前登记的帐号名失效了，需要重新来过。
先用下面的搜索link，
https://search.americanexpress.com/app/answers/list/search/1/kw/credit%
20score
点击如下第一个结果，注册即可
My Credit Score & Report
Are you an American Express® Cardmember? Get your Credit Score Report.
Take advantage of our 30 day complimentary access to reporting.
Get your Credit Score and Report
Log in to My Credit Score and Report |
|
f******s
发帖数: 3849 | 28 好像以前登记的帐号名失效了，需要重新来过。
先用下面的搜索link，
https://search.americanexpress.com/app/answers/list/search/1/kw/credit%
20score
点击如下第一个结果，注册即可
My Credit Score & Report
Are you an American Express® Cardmember? Get your Credit Score Report.
Take advantage of our 30 day complimentary access to reporting.
Get your Credit Score and Report
Log in to My Credit Score and Report |
|
w********0
发帖数: 245 | 29 今天一查自己的credit card, 发现自己的 credit line又增加了2千， 但是我不想要。
银行已经几次增加我的credit line, 但都不是自己要求的. 但是每次增加credit line
后，发现自己的花得就更厉害了，每月的开销会多了。
要求银行调回去降低自己的credit line, 可以吗？会有什么不好的影响吗 ？ 谢谢了 |
|
z*****7
发帖数: 133 | 30 两年前我申请了boa的credit card，是在没有SSN的情况下申请的。 现在刚拿到SSN，
也把之前的信用和ssn联系起来了。然后打算申请America Express 的 credit card，
可以申请成功吗？ 之前有朋友说因为我的ssn是新的，就算有credits也不行。请高人
指点，我是否要等半年，养养credit在申请credit card？谢谢 |
|
f**********n
发帖数: 3081 | 31 Congratulations! You've been approved for a credit line increase of $3,000.
You requested a credit line increase of $3,000. Unfortunately, we were
unable to approve the full amount. This increase of $3,000 brings your new
available credit line $6,000, and your new cash line $1,600 .
You have the option to accept the $3,000 increase now, or request a higher
amount. If you choose to request the higher amount, a credit bureau report
will be requested and an inquiry will be placed into your bureau f... 阅读全帖 |
|
f**********n
发帖数: 3081 | 32 Congratulations! You've been approved for a credit line increase of $3,000.
You requested a credit line increase of $3,000. Unfortunately, we were
unable to approve the full amount. This increase of $3,000 brings your new
available credit line $6,000, and your new cash line $1,600 .
You have the option to accept the $3,000 increase now, or request a higher
amount. If you choose to request the higher amount, a credit bureau report
will be requested and an inquiry will be placed into your bureau f... 阅读全帖 |
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a*********n
发帖数: 1331 | 33 打算refinance或另买房，不过我的credit score不高，可能是因为有7张信用卡，而且
好几张都是最近2年开的。
如果关掉1-2张信用卡，我的credit score会不会涨上去？
如果不行，还有没有别的办法涨credit score?
开卡损失的credit score与关卡涨回（如果能涨）的credit score是不是可以抵消的？ |
|
d**********u
发帖数: 3371 | 34 必须要买150以上才能拿到credit?
applied #3 citi aa visa offer. I want to buy $150 AA GC to get the $150
statement credit.
but I saw the T&C from aa.com. it seems AA GC cannot use many places as
follows:
Gift Cards are redeemable toward the purchase of air travel wholly on
flights operated by American Airlines, American Eagle® and
AmericanConnection® carriers for itineraries sold and originating in
the U.S., Puerto Rico and U.S. Virgin Islands. Gift Cards may also be used
for payment of air trave... 阅读全帖 |
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s**n
发帖数: 425 | 35 Sharing experience and tips here
Background: I did not apply for any credit card in 2012 due to refinance and
applied 9 cards in Jan 13, now it's time for another round of churn.
My thought process:
1) All banks except barclay (citi, amex, us bank, chase, Boa) pull experian
in my state. My strategy is to force them to pull other bureas using
freezing technique so that the credit impact is minimum.
2) I will also limit # of inquiries by having multiple applications with the
same bank during the s... 阅读全帖 |
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r******l
发帖数: 10760 | 36 看到很多人说Credit Karma的分数比实际的要高不少。最近贷款刚查了一下我的三家信
用局的分数，结果TransUnion是775分，而Credit Karma说我只有767分。
倒是Credit Sesame报的分数偏高。我的Experian分数是797，Credit Sesame说我有812
分。
另外说一个以前有人提到过的问题：信用卡总数到底是多了好还是少了好？按照
CreditKarma的显示，信用卡总数越多越好。可是我的报告上关于减分因素，Equifax和
Experian都提到TOO MANY ACCOUNTS WITH BALANCES，只有TransUnion没提。有鉴于
Credit Karma正是用的TransUnion家的，也许只有TransUnion认为信用卡越多越好？ |
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s********a
发帖数: 1447 | 37 在kohl's申请了他们的credit card
2011下半年 有一次 我过了 due date才想起付账
然后 那个月 结账日过后 2天 我去网上 查账户
没有late fee 我当时 还庆幸 真好 没有late fee
然后 结账日后的那个月 我也没去他们店买东西 所以也就 没有上网查账户
后来，我再次查账户的时候
才发现 他们charge我$5的late fee
我发现的时候 这$5已经过了30 天 的due date的
我打电话 给客服
他们说 晚30 天之内 是可以waive的 30天之后 他们没权waive
当时 觉得$5无所谓 就没在意
2012 年 初 我因为申请别的信用卡 被拒 查了一下 自己的credit report
才发现kohl竟然为了那$5 报告给我credit bureau
所以我的credit 被减了 50分
我上网查 说很多bank 你写封求情信 一般都会给我去掉
不知道那里 可以写信
所以 我就打电话给客服 和他们说事情的经过 求情 这不全都是我的问题 你们结账日
之后 过了几天才 显示到我的账号上
客服的人 还不错 说会尽量帮我 告诉他们的bil... 阅读全帖 |
|
w****r
发帖数: 15252 | 38 我买了GC了，收到AMEX的信了啊
但是这次AMEX真的很鸡贼啊，难道AMEX能知道我卖了GC？
Valid online only. In store transactions are excluded. Enrollment limited.
Offer is non-transferable. Not valid on gift card reloads and prepaid cards.
Pay with Cash transactions are excluded. If you order an item during the
offer period but it is not sent to you until after 12/31/13, it may not
count towards determining whether your purchase qualifies for the offer.
Limit 1 statement credit per American Express Card across all American
Express of... 阅读全帖 |
|
s*********9
发帖数: 287 | 39 If you care about your credit, DON'T do this. This action will seriously
affect your credit score since your total credit limit contributes to your
credit score around 30%~40%.
If I were you, I won't have this concern. Almost all US credit card are
fraud charge liability free. |
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g******t
发帖数: 11249 | 40 "Having too many accounts with balances can indicate a higher-than-optimal
level of credit risk, yet not having any recent credit activity can also be
an indicator of increased risk," says Paperno. "A high FICO score can best
be achieved by regularly and responsibly utilizing a few accounts of
different types, while always paying on time, keeping balances low, and
applying for new credit only when needed."
Read more: http://www.creditcards.com/credit-card-news/fico-credit-score-account-amounts-o... 阅读全帖 |
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y*********e
发帖数: 518 | 41 同时申请了蓝宝石，Marriott卡和Ink卡，只有一个hard pull。 跟后门电话接线员聊
天，得知Chase段时间内申卡都只pull一次。但是六个月内一般只批总共20000的credit
line。。所以我第三个申请被系统turn down了。。。
For example, $20,000 in total credit can result in:
4 Credit Cards with a limit of $5,000 each
3 Credit Cards with a limit of $6666.67 each or
2 Credit Cards with a limit of $10,000 each |
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m*****a
发帖数: 2609 | 42 Update: got the email within half a day. It looks like it is not limited to
those who were affected by Breach.
Do not copy and paste your activation code. It often contains a space in
front of the code, resulting an "Invalid Code". The best way is to manually
type the code.
Free One Year of CREDIT MONITORING from Target SIGN UP AT LINK for
Activation Code
Note, in term of eligibility, not sure if the offer is open to all Target
customers or just those they believe have been affected by the breac... 阅读全帖 |
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z****l
发帖数: 5282 | 43 ☆─────────────────────────────────────☆
yijiaguanjun (我是菜鸟) 于 (Wed Mar 6 14:15:17 2013, 美东) 提到:
这个怎么样？
https://www.bankofamerica.com/credit-cards/products/better-balance-rewards.
go
☆─────────────────────────────────────☆
seabelial (zhenmeijin) 于 (Wed Mar 6 14:19:24 2013, 美东) 提到:
我也正想发帖问呢，看起来不错
☆─────────────────────────────────────☆
weever (鲈鱼油跃) 于 (Wed Mar 6 14:20:32 2013, 美东) 提到:
苍蝇肉
适合初级选手
☆─────────────────────────────────────☆
alexx (panda in love~八胖~饲羊员~水木十年) 于 (Wed ... 阅读全帖 |
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J**S
发帖数: 25790 | 44 有信用分，不知道是不是TRANSUNION的实际信用分。 这个CREDIT TRACKER有下面用途：
Understand your monthly Credit Tracker score.
• See how everyday decisions affect your credit score—before you
make them, with the Credit Simulator.
• Receive and view alerts of major changes to your TransUnion®
; credit report. |
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m**2
发帖数: 3374 | 45 Costco Wholesale Corp. has attained a goal that retailers have sought for
years: near-zero expenses for credit-card payments.
In a deal with Visa Inc. and Citigroup Inc., Costco’s acceptance costs will
be about zero, according to people familiar with the arrangement. That
compares with the roughly 0.6 percent of each transaction the retailer pays
its current partner, American Express Co. While Costco will still incur
small fees on Visa cards issued by other banks, incentives from Citigroup
and V... 阅读全帖 |
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s*****w
发帖数: 69 | 46 citi AA 卡不打算留了，像把credit line 转到另外一个卡里，被告知要 pull credit
report。大概$13k的credit line， 值得留个credit report的记录吗？还是直接关了
算了？ |
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j****2
发帖数: 759 | 47 Damn! Tried to do the multiple browsers trick. It did not work this time.
Only one got approved! The other three are in review state.
The successful one:
Congratulations *********! Your Alaska Airlines Visa® Card application
has been approved with a $18,000 credit line.
What can you expect from the Alaska Airlines Visa® Card?
Make a purchase with your new credit card right now to start earning miles.
Use it today to book a trip or shop online to earn miles! Plus, there is no
limit to t... 阅读全帖 |
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C*****n
发帖数: 1049 | 48 (申请链接已经不行了）
Amex SimplyCash Business Credit Card $300 Credit after spend $1000 within 3
months
http://smb.americanexpress.com/Simply_Cash_XS_May/landing_page_
You can earn a $300 statement credit after you spend $1,000 on eligible
purchases with The SimplyCash Card within the first three months of Card
Membership.
Your application must be received by July 15, 2015 to be eligible for this
offer.
Card Benefits:
No annual fees
5% cash back on your first $25,000 purchase of Office supply sto... 阅读全帖 |
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j*******l
发帖数: 7 | 49 最近aptget给大家很好地普及了信用卡知识http://www.mitbbs.com/article_t/Money/32519003.html. 我在跟帖中也回答了是否Amex cashback credit能算作payment. 但看来还是有不少人不了解, 所以现在单独开一帖重新科普一下.
Q: Amex cashback credit能不能算作payment?
A: 可以. 但有个先决条件, 就是你需要先付了minimum payment due. 然后你的
Cashback credit就可以用于付剩余的statement balance.
Amex卡term: Cash back cannot be used to pay your Minimum Payment Due.
具体到另一帖ChaoRen的例子, 因为ChaoRen没有付minimum payment due, 所以ChaoRen
的Caskback credit没法体现在current balance上. 如果ChaoRen付了minimum payment
due, 那么帐户的minimum payme... 阅读全帖 |
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r****7
发帖数: 2282 | 50 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: raul07 (utopian), 信区: SanFrancisco
标 题: corporate credit card有逾期的记录会影响自己的credit score么？
发信站: BBS 未名空间站 (Sat Jul 11 14:11:10 2015, 美东)
刚用corporate credit card的时候不太熟悉流程结果有两个月的逾期记录后来还交了
利息给银行，这个会影响自己的credit score么？有什么办法fix么？
Thanks |
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