Whats a good CC for peoples like us?

Wife and I have low to average credit, but are now out of all debt (except mortgage).

We are looking for a credit card that offers some rewards since we already use our debt card to pay for everything. Flyer miles are #1 pick, hotels a maybe.

I will NOT take a CC with an annual fee. (I%26#039;m paying them to pay them?? thats stupid.) Interest rate is not real important b/c we will be paying it off every month.

Anyone know of a Card that fits this criteria or am I asking to much?

Thanks

Whats a good CC for peoples like us?care credit

Capital one has a good miles reward card with no annual fee.

Whats a good CC for peoples like us? loan

Yeah Capital Bank is a pretty good credit card for people with low credit scores. The only thing is that your intial credit limit will be very limited. They usually start with $300 or $500. There is no annual fee and no program fee. After 3 months you can qualify for a credit increase if needed. Orchard bank is another pretty decent credit card.|||I%26#039;ll throw this one to you. Try Amalgamated Bank of Chicago. I%26#039;ve been using them for years. You get frequently flier miles on most of the airlines. I%26#039;ve used them for United Airlines trips to build up my frequent flyer miles for UAL, and as long as you are able to get $25000 in charges for 3 years, you get the free round trip if you book 3 weeks prior to departure. I was able to keep them despite a bk.

Another is Household bank. Theirs is 2% and you can get a check for $25 every time you reach that goal. Of course, you need to contact them to get the check.

Both have on line payments service.|||I think. American Express SimplyCashSM Business Card... This is cool..I%26#039;ve tried it and pretty cool..Or you could try Citi Diamond Preferred Rewards Card... Hope this helps.. :) The sources for these cards are there below..you may take a look at it.. :)|||http://preferred.ecreditdirectory.com|||I would go with American Express Blue (with Cash Back rewards) and Discover (cash back rewards) as well. I am using both to pay for my basic necessities and its almost like I am being paid to use my card. In some instances I get double cash back on certain items like gas, hotel use, restaurants and other things, but as I said I am using these 2 cards for my basic necessities and not using cash and I pay the full amount every month|||You would be better off just sticking with the debit card.

If you play the credit card game sooner or later you will get behind and start to lose at the game. What happens when an emergency comes up and you can%26#039;t make the credit card payment?Once you start losing at the credit card game. it%26#039;s hard to get out of the game. High interest rates which they can raise for any reason. Outrageous late fees and over the limit fees. The credit card industry is a billion dollar a yr bussiness. They are not gonna lose.

Your gonna spend more to get the rewards.

Mcdonald said that when they started taking credit cards that the average transaction went from $4.75 to $7.00.

Would you like a hot apple pie with that? NO THANKS!!

Debt free is the way to be!|||Check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates, fees and reward, no matter what kind of credit you have they have the right card for you|||Citi Diamond Preferred Rewards Card is the best rewards credit card. The rewards programs are amazing. It has No annual fee. You can earn 5 points for every purchase made for the first 12 months. 0% introductory APR on balance transfers for 12 months.

However, what makes this card truly amazing is the so-called Thank You redemption programs. Unlike any other program, the Thank You redemption program is based on the concept that for every purchase made at supermarkets, drugstores and gas stations, you will receive 5 points. And for other purchases you%26#039;ll get 1 point. The points can reach up to 75, 000. There%26#039;s a wide array of rewards in which your points can be spent. These include hotel accommodations, gift cards., entertainment, airline flights, dining, clothing and many more. You can also get gift cards from major retailers that offer you 10% discount.

Great Review Found here:

http://www.rewardcreditcardsite.com/othe...

If you like Miles Rewards, here%26#039;s a variety of cards to choose:

http://www.rewardcreditcardsite.com/airl...

I also recommend the Hilton HHonors Platinum Card from American Express:

Best Feature: No annual fee; three points for general purchases; additional hotel benefits and services for cardholders; bonus points.

http://www.rewardcreditcardsite.com/hote...

Balance Transfer Limits?

I have a college debt on my CC for $3500.00 and I was wondering if I balance transfer that amount to another credit card that offers 0% APR on payments and BT%26#039;s, would it be possible, even though I have never used another credit card but my BOA card. I heard that the CC companies have BT limits, is my balance of $3500.00 going to exceed the amount?? Does anyone know what the usual balance transfer limit is for a company??

Balance Transfer Limits?inflation rate

Every card is different - depends on how much of a credit limit they give you - you might not get an initial balance anywhere near $3500 - for purchases use or balance transfer - if you%26#039;re young and have only had one credit card, I highly doubt the other cc comp will give you more than $1000 balance to start, especially if the $3500 on your BOA card is near or at the maximum limit

Settlement Offers?

I have a credit card with a balance due of $9036. This account is in a collection agency and the people there are ruthless and degrading. They have put words in my mouth that I have never said. I want to be done with these people. They made me an offer of $6500 and have given me 3-days to pay it. I told them I could make monthly payments and that is totally unacceptable. They want the lump sum at once. They have threatened me and next step it to go to court. I recently had a judgment from Discover made against me. I cetainly do not need another one. They are very extremely difficult people to deal with. I do not have that lump sum money. I am going to apply for a Prosper loan but that will take some time if I get approved What are my options? Could I offer them a lower settlement amount? How do I determine that amount? I was thinking making 2-settlements offers to this one and Discover. Will they remove the judgment and negative report on my credit? I welcome any advice.

Settlement Offers?credit bureau

I%26#039;m not sure how credit works in the US as I am in Canada but I can offer some information. Overall they should be offering you more than 3 days to pay and I%26#039;m shocked that they aren%26#039;t willing to make payment arrangements with you. If you don%26#039;t pay they don%26#039;t get paid, it%26#039;s as simple as that. A collection company is a third party business that has been contracted to collect payment and they get paid a percentage of what they collect from you. Each company holds the account for so long and if they are unsuccessful it is passed on to another company. Until it goes to court (which is threatened more often than it actually happens). A settlement is usually offered at the tail end of their contract in order to try to make some money off the account. A settlement offer is marked as such on your credit, it shows you paid it off, but not entirely and it still shows as a negative on your credit for 7 years (or so that is in Canada, may be more or less time in US, not sure).

Here is what you should do. Talk to them and tell them what you can do. They may say that isn%26#039;t acceptable, but tell them that is all you can do, if they don%26#039;t accept it and if it goes to court, make sure that you state that you have attempted to find a suitable payment arrangement that you could manage and that they were unwilling to work with you. Keep records of all your conversations with them, what was said, who you spoke to, dates and times.

Here in Ontario there is a ministry that governs collection agencies and they have to follow strict guidelines. What they have done to you would be illegal here and they could lose their license as a business and pay hefty fines, including the outsanding debt that they were trying to collect on. (I know this from personal experience). Do a bit of research and see if there is anything similar where you live.

Your next step, if unsuccessful with the collection agency would be to contact the company itself and speak to a manger in their accounts receivable (or may be called something else such as collections, payments, credit etc.) and tell them your situation and see if they can help. They may be able to work something out with you and pull it from the collection agency. This will also help improve credit score overall.

Settlement Offers?

loan

I would suggest familiarizing yourself with the Fair Debt Collection Practices Act (link below). It governs how collection agencies deal with consumers. It prohibits a lot of abusive collection practices, some of which you might have experienced.

Have you requested that the collection agency validate the debt? You have the right to do so under the FDCPA. All you need to do is to send them a letter (I would do it via certified mail, return receipt requested and via regular mail) saying that you request that they provide verification of the debt.

If you aren%26#039;t getting anywhere with the collection agency and believe that they may have violated the FDCPA, then I would strongly suggest that you contact an attorney. You can get a referral from your local bar association and you might be eligible for free legal help from your local county legal aid office.

As for the Discovery judgment, as soon as Discover gets their money (either the total amount of the judgment or some negotiated lower amount) Discover is required by law to mark the judgment as %26quot;satisfied%26quot;.|||Dont give in you can get them to shut up and never contact you again by sending a letter of debt validation and a letter of cease contact you can find both letters free on this website http://www.adviceontime.com/Credit/Credi... they are just trying to pressure you into paying them a huge commission. your debt of 9036 was probably bought by that collection agency for .06 cents to the dollar or 542.16 dollars they are trying to make a huge profit off you. The headlines yesterday were huge earnings for debt collection firms, don%26#039;t be one of the statistics http://www.adviceontime.com/Credit%20Rep... cheers

Bill

What is the most generous Visa rewards card?

I%26#039;m looking for a new Visa credit card and want automatic rewards. In other words, all I have to do is spend and the awards apply automatically.

I have no %26quot;credit worthiness%26quot; issues (score 800+) to worry about.

Things I do not want:

- I have to contact the credit card issuer to redeem awards.

- Rewards have to be taken as part of a car purchase.

I%26#039;d prefer that the reward be an automatic credit to the account but it%26#039;s ok if it%26#039;s automatic but not a credit (e.g. Amazon.com Visa issues gift certificates automatically).

The Pentagon FCU Visa offers 1.25% automatic cashback, but I do not qualify as a member.

So what%26#039;s the best deal for such a Visa?

What is the most generous Visa rewards card?child tax credit

You might want to try the Chase Freedom Cash Visa here:

http://www.asapcreditcard.com/reward-off...

It has a very flexible rewards program and a generous cash back bonus of 3%. You can also choose points which can be redeemed for lots of different reward choices.

Hope this helps. GOOD LUCK!

What is the most generous Visa rewards card?

loan

Try Discover Card|||There are some credit card companies who offer a regular Visa or MasterCard that can be used everywhere credit cards are accepted and who offer cash back reward programs for spending done using the card. If you are a person who doesn%26#039;t really shop in one specific store all of the time, you%26#039;ll want to research the credit cards that are not store specific that offer the cash back rewards. Be sure to research the terms and conditions of the card completely before signing up, as many cash back credit cards require you to pay an annual fee, have much higher interest rates than cards without cash back rewards, and in some cases- the credit card may require you to carry a balance from one month to the next in order to receive the cash back benefits, which means that you will probably pay more in interest than you will receive in cash back credit. Try to determine how much money you plan to charge on the credit card throughout the year, and then following the conditions of the cash back program, figure out how much cash back those purchases are likely to earn you. Once you have these numbers, you%26#039;ll be able to decide whether or not the annual fee you pay for the cash back credit card is worth the cash back you actually receive. If your annual fee is significantly higher than the amount you estimate you%26#039;ll receive in cash back, you%26#039;d be better off selecting a credit card with lower interest and no annual fee that does not offer the cash back rewards. Apply online for a best visa card at: http://www.credit-card-gallery.com/Rewar...|||Reward credit cards reward you depending on the amount you spend on the credit card. Usually, you can collect rewards through 3 methods. One method involves earning cash back on the card, which is generally a certain percentage of each amount you spend. The next method involves giving points or any other type of token to the customers to accrue. They can then redeem these points for gifts like luggage, cosmetics and other goodies that the credit card company offers. Most of these reward schemes have alluring gifts and huge variety of selections. But the better option is to go for a cash back reward as it allows you to use the money any way you like.

Pay off credit cards, pay off old judgment or save for home?

After a year of aggressively paying down debt, my wife and I are in a position to pay off all off our credit card debt in about 16 months while saving up enough for a down payment on our first house. (It%26#039;s amazing how paying off two car loans frees up cash!)

Here%26#039;s the thing: I have an old judgment from my college days. It%26#039;s more than a decade old. I could work it into my budget by taking another six-to-eight months or so to pay off the card debt or not save as much for the home purchase.

Should I make the judgment a priority? Is an unpaid, ages-old judgment more harmful to a prospective home-buyer than credit card debt?

Also, the judgment has switched hands many times (at a fraction of its amount, no doubt). The current holder recently offered a 10 percent discount on the amount. If I were to negotiate a settlement, what percentage would be an good one to aim for? And would it be worth paying an attorney to handle those negotiations? The judgment is for $4,000.

Pay off credit cards, pay off old judgment or save for home?mortgage lenders

You should pay the judgement, with or without a lawyer. Most mortgage companies or banks wont approve your home loan if you have a judgement. They look worse on your credit than credit cards, because they are court ordered, no matter how old they are. And don%26#039;t be fooled if you are pre-approved without paying it. When it comes time to apply for the actual loan, it will require you to pay it.

Pay off credit cards, pay off old judgment or save for home? loan

Congratulations on your progress. When you get totally out of debt (except for your home), I hope you will come back and counsel the less fortunate, here.

I would ask a lawyer about the strength of the judgement. Morally, you should pay it, but legally, the statute of limitations may be about to expire, or have already expired.

I like your plan of paying off the credit cards, and saving at the same time. It seems you have the discipline, so maybe, if the credit cards are at a higher rate than savings interest, you want to route your funds to paying the cards first, then route everything to saving, afterwards? It should be to your financial advantage.

No super rush to buy a house. Prices are still going down.|||first thing is get rid of the old judgment!!!|||In order to qualify for a mortgage loan you need to pay down as much debts as possible. That includes any old judgment or collections. So you should put paying off all debts as priority over saving up for a house down payment.|||Hi,

I used %26quot;Credit Solution%26quot; to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It%26#039;s legitimate.I came across this company on NBC News Special Edition.Check it out here:

http://creditsolution.ez-mart.biz

How can I spend wisely with airfare purchase using AMEX/Discover card?

I%26#039;ve recently applied for and was offered two AMEX cards: One (charge card with 14.24 APR option, 1% cashback directly deposited into a savings account) and Blue ($2,00 credit limit, at 0% promotional APR, 1 percent cashback I think). I was also approved for a Discover Platinum ($4,000 limit, at 0% promotional APR, 5% cashback).

I%26#039;m about to make a big airfare purchase for about $2,000 and want to make monthly payments and pay it off before interest charges accrued. My goal is to establish credit with these new prime creditors. What is the best plan for making this purchase using one of the cards (or multiple cards)? Pros and cons? Should I call to convert Blue into Blue Cash for their 5% cashback offer? Should I request credit limit increases for Blue and/or Discover just in case I use one of these cards and my credit utilization won%26#039;t look %26quot;maxxed out%26quot; from the onset?

How can I spend wisely with airfare purchase using AMEX/Discover card?unemployment rate

Well, if your airfare purchase is $2k and your AMEX Blue only has a $2k limit, you shouldn%26#039;t put it on there. The AMEX charge card will start charging you interest right away if you don%26#039;t pay it back within a month, so if you want to make monthly payments on the airfare, you should put it on the Discover card.

If you are using these cards for very little else, then you probably don%26#039;t need a credit line increase at the moment, since you would only have $2k used out of $6k total available.

How can I spend wisely with airfare purchase using AMEX/Discover card?

loan

I agree with aj485

Just an FYI --

I wanted to add that AMEX is, and has been for the last couple of years, creating a habit of locking account(s) without notice and requesting financial reviews. They will not unlock the account(s) until the person complies and sends the info.

There seems to be no rhyme or reason what triggers the FR%26#039;s, but they are happening. It looks like it%26#039;s not a matter of IF a person will be FR%26#039;d, it%26#039;s a matter of when.

(lately it looks like they have beefed up their FR dept. and are running it 24/7)

It hits people who are on the low end up to people who are on the extreme high end.

People have been known to be on trips, in restaurants, etc., etc., etc., and when trying to pay finding that AMEX has the account locked.

So if you are planning on using AMEX, especially on a trip, be sure to have a back up non AMEX card just in case.|||First...credit cards are never a good way to finance a trip :-) If you can%26#039;t pay cash for it, postpone your trip until you have the money for it. Then it doesn;t matter which card you have since you%26#039;ll be paying it off at the end of the month.

Second...I am not a %26quot;don%26#039;t have credit cards%26quot; person. I always purchase airline tickets, car rentals, big ticket items, etc with a credit card since it has protection (i.e. travel insurance, car rental collision insurance). Personally I have the CitiBank AAdvantage (American Airlines) card. It ha sa yearly fee (waived for first year) plus 20,000 bonus miles after your first major purchase and 10,000 bonus miles for the first two years each.

Finally, the AmEx cards are not a good choice. The 5% cash back is only on supermarket/drugstore/gas station purchases that EXCEED $6,500 dollars per year. So if you spend less than $600/month on gas and groceries, you will never see the 5% cash back.

Discover is not accepted as widely as an AmEx, Visa, or MasterCard so avoid them

What do I do with an old tenant's mail that keeps coming to my mailbox?

I%26#039;ve lived in this apartment for about 2 months, and since then I%26#039;ve been receiving this guy%26#039;s bank statements, credit card bills, offers, etc...Curiosity got the best of me one time and I opened a letter from a credit card company with some very harsh wording regarding an unpaid balance in the thousands...I don%26#039;t know what the polite thing to do is.

What do I do with an old tenant%26#039;s mail that keeps coming to my mailbox?credit card offers

Sounds like this guy is on the lamb or just plain stupid.

He forgot to notify the post office of his new address.

I would throw all the mail in a box and send a letter to the postmaster informing him or her that the old tenant no longer lives there and that you have this mail. That would be the polite thing to do and also stop the mail from coming to you!

What do I do with an old tenant%26#039;s mail that keeps coming to my mailbox?

loan

Use it as toilet paper. It may hurt for awhile but you%26#039;ll save lots of money. Report It

|||put it back or give it to mail person|||Maybe ask the apartment manager for his new address. I used to get catalogues for adult movies in the mail. I kept them. :))|||I usually put a note on the mail saying the person no longer lives there and if that doesn%26#039;t work, I tape a note in the mailbox itself where the mail man can%26#039;t miss it saying %26quot;Jones Only%26quot; (Not my real name). If that doesn%26#039;t work, I would go directly to the local p.o. and tell them in person. Also, you don%26#039;t want to open someone else%26#039;s mail. It%26#039;s a federal offense!|||In addition to the answer jsb3i gave, if it is 1st class mail gather it in a bundle with a rubber band. On the top piece write, %26quot;Person has moved and no longer lives here. Address unknown.%26quot; then either give it to your postal delivery person or take it to your post office.|||I%26#039;d put it back in the outgoing mail and write on it %26quot;incorrect address%26quot;

or just catch the mail man and see what he says you should do.