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Mr. Laz
12-20-2008, 05:09 PM
what is the credit line of your most used credit card?


(note to morons: don't post the name,number or any other pertinent information about your credit or credit card)

Delano
12-20-2008, 05:10 PM
http://globaldais.com/wp-images/American-Express-Titanium-Black-Card.jpg

DaFace
12-20-2008, 05:15 PM
I only have one - around $10k. I haven't ever had more than $2500 on there at once though.

Oh, and my number is 8450 5793 8498 6434. Exp 10/09.

Marlboro LuvsJesus
12-20-2008, 05:16 PM
I unfortunately have a sub-500 credit score, owe tens of thousands to creditors and don\'t have a credit card. I have found Jesus though. The Lord is going to get me through this hardship in my life.

Buehler445
12-20-2008, 05:20 PM
Do we have another malboro chief?

googlegoogle
12-20-2008, 05:21 PM
believe it or not you could probably still get a special credit card. Prepaid version if you need it. Might help your score too.

Buehler445
12-20-2008, 05:21 PM
Mine is 5K. I got close to it when we went on the cruise.

But I is poor, so I don't need anymore.

Mr. Flopnuts
12-20-2008, 05:22 PM
I only have one - around $10k. I haven't ever had more than $2500 on there at once though.

Oh, and my number is 8450 5793 8498 6434. Exp 10/09.

That is 100% not a credit card number. At all.

Mr. Flopnuts
12-20-2008, 05:23 PM
I only have one - around $10k. I haven't ever had more than $2500 on there at once though.

Oh, and my number is 8450 5793 8498 6434. Exp 10/09.

Hmm. Maybe you put it down backwards. That would work.

tmax63
12-20-2008, 05:24 PM
I keep 2 cards, 1 is 24k, the other is 20k. I have 0 balance on 1 of them, just use it and pay it off once in a while and owe about $3500 on the other one. And I should have my mortgage paid in about 9 yrs. total time.

DaFace
12-20-2008, 05:24 PM
Hmm. Maybe you put it down backwards. That would work.

Yeah, I'm dyslexic like that sometimes.

Mr. Flopnuts
12-20-2008, 05:28 PM
Yeah, I'm dyslexic like that sometimes.

So why would you post it online? I mean, I know you wouldn't have to pay for it at the end of the day, but when someone robs your identity it is an incredible pain in the ass.

OnTheWarpath58
12-20-2008, 05:28 PM
American Express - no pre-set spending limit.

I've had as much as $5K on it before, used it on our honeymoon to rack up reward points, and paid it off immediately after returning home.

We pay our bills with it to accumulate reward points.

DaFace
12-20-2008, 05:29 PM
So why would you post it online? I mean, I know you wouldn't have to pay for it at the end of the day, but when someone robs your identity it is an incredible pain in the ass.

Wait...are you serious?

Mr. Flopnuts
12-20-2008, 05:30 PM
American Express - no pre-set spending limit.

I've had as much as $5K on it before, used it on our honeymoon to rack up reward points, and paid it off immediately after returning home.

We pay our bills with it to accumulate reward points.

American Express is in the shitter. I would be shocked if you said you'd charged anything over around 2k and had no problems in the last 3 months. I've talked a lot of folks who have no "pre set" spending limit, but starts having their purchases declined once their balance hits around 2k.

Mr. Flopnuts
12-20-2008, 05:31 PM
Wait...are you serious?

Well, I wouldn't assume that you'd post your credit card number online, but I've seen people do stranger.

Mr. Flopnuts
12-20-2008, 05:31 PM
Wait...are you serious?

LMAO I knew there was a chance I was going to come out of this smelling like a dumbass.

DaFace
12-20-2008, 05:32 PM
Well, I wouldn't assume that you'd post your credit card number online, but I've seen people do stranger.

I'm disappointed that you'd assume I'm that stupid. I just typed a bunch of random numbers, wondering if anyone would bite. Apparently someone did. :p

Buck
12-20-2008, 05:32 PM
The highest one I have is $2000 Walmart Discover card.

I only got it so I could buy a HDTV w/ 1 year interest free.

I've got one w/ a $500 limit, another with an $800 limit, and my Firestone Credit Card I have no idea what the limit is.

I also am paying off a $5800 Car Loan, which after interest comes out to about $6600.

I assume after I pay off that loan completely, I could get a better limit if needed, but I dont think I'll need it.

Mr. Flopnuts
12-20-2008, 05:33 PM
I'm disappointed that you'd assume I'm that stupid. :) I just typed a bunch of random numbers.

I really didn't assume you were a dumbass. I assumed you felt that you had some kind of credit protection that would spare you from any downfall. Much like that jackass that drives around the truck with his social security number on it. But when I looked at your numbers it could've been a Visa card number if read backwards.

OnTheWarpath58
12-20-2008, 05:33 PM
American Express is in the shitter. I would be shocked if you said you'd charged anything over around 2k and had no problems in the last 3 months. I've talked a lot of folks who have no "pre set" spending limit, but starts having their purchases declined once their balance hits around 2k.

Really?

Never had a problem.

Then again, when I know I'm going to be hitting it especially hard one month, or we go on vacation and spend a bit, I call in advance to tell them.

Mr. Flopnuts
12-20-2008, 05:34 PM
The highest one I have is $2000 Walmart Discover card.

I only got it so I could buy a HDTV w/ 1 year interest free.

I've got one w/ a $500 limit, another with an $800 limit, and my Firestone Credit Card I have no idea what the limit is.

I also am paying off a $5800 Car Loan, which after interest comes out to about $6600.

I assume after I pay off that loan completely, I could get a better limit if needed, but I dont think I'll need it.

The trick Matty is to make sure you're only carrying less than half of your limits on those cards. That will help your credit.

DaFace
12-20-2008, 05:34 PM
I really didn't assume you were a dumbass. I assumed you felt that you had some kind of credit protection that would spare you from any downfall. Much like that jackass that drives around the truck with his social security number on it. But when I looked at your numbers it could've been a Visa card number if read backwards.

Interesting...how can you tell what's valid and what's not?

Mr. Flopnuts
12-20-2008, 05:35 PM
Interesting...how can you tell what's valid and what's not?

American Express cards start with a 3 and only have 15 numbers. The rest have 16.
Visa cards start with a 4
Mastercard with a 5
Discover Card with a 6

No, I'm not a criminal. I work as a credit manager and before that, a bill collector.

OnTheWarpath58
12-20-2008, 05:36 PM
Interesting...how can you tell what's valid and what's not?

Using it to try to buy something online...

:D

Buehler445
12-20-2008, 05:39 PM
American Express cards start with a 3 and only have 15 numbers. The rest have 16.
Visa cards start with a 4
Mastercard with a 5
Discover Card with a 6

No, I'm not a criminal. I work as a credit manager and before that, a bill collector.

Yeah, when I worked at the college, I could tell what card it was when they gave me the number.

Buck
12-20-2008, 05:40 PM
The trick Matty is to make sure you're only carrying less than half of your limits on those cards. That will help your credit.

I have $0 on my $800 limit Chase Mastercard

I have $327 on my $750 limit Capital One Visa (was at $500 when I opened it so I guess my limit went up)

I have $0 on my Firestone Credit Card

I have $260 on my $2000 Limit Walmart Discover Card

I owe $3200 on my $6600 Car Loan

I think I'm in good shape.

Mr. Flopnuts
12-20-2008, 05:42 PM
I have $0 on my $800 limit Chase Mastercard

I have $327 on my $750 limit Capital One Visa (was at $500 when I opened it so I guess my limit went up)

I have $0 on my Firestone Credit Card

I have $260 on my $2000 Limit Walmart Discover Card

I owe $3200 on my $6600 Car Loan

I think I'm in good shape.

You're in great fucking shape. Now, make sure you charge something to those cards every month and keep it paid to that level or better. Assuming you make all of your payments on time and you have nothing else outstanding I'll bet your credit score is in the 700's. That's phenominal considering you're in your early 20's.

Calcountry
12-20-2008, 05:44 PM
American Express is in the shitter. I would be shocked if you said you'd charged anything over around 2k and had no problems in the last 3 months. I've talked a lot of folks who have no "pre set" spending limit, but starts having their purchases declined once their balance hits around 2k.I know, the other day I ran an Amex card, and it asked me to inter the credit default swap number.

Skip Towne
12-20-2008, 05:46 PM
I only have one - around $10k. I haven't ever had more than $2500 on there at once though.

Oh, and my number is 8450 5793 8498 6434. Exp 10/09.

I need that 3 digit number from the back of the card.

Buck
12-20-2008, 05:49 PM
You're in great ****ing shape. Now, make sure you charge something to those cards every month and keep it paid to that level or better. Assuming you make all of your payments on time and you have nothing else outstanding I'll bet your credit score is in the 700's. That's phenominal considering you're in your early 20's.

I don't want to use my Chase card because it has like a 23% Interest Rate

I hardly ever use the Capital One Card anymore. I originally opened it to transfer the balance on my Chase because it has a 0% Transfer Rate and also 0% Interest on the first 18 months of the card.

I haven't used the Walmart Card except for the first time when I put about $1300 on it, I got 1 year free interest, and I have 3 months left to pay off the remaining $260 on it in order to not pay the full interest of the entire purchase.

The Firestone Card only works at Firestone, so whenever I buy tires I use it.

The Loan I got was $5800, $6600 after interest. I pay $184 a month on that. Its a 36 month loan and I am 19 months in.

When I checked my Credit Score in January it was over 680. Hopefully I'm over 700 now.

Mr. Flopnuts
12-20-2008, 05:52 PM
I know, the other day I ran an Amex card, and it asked me to inter the credit default swap number.

I've gotten messages to call AMEX, to hold cards, crazy stuff. The couple of times I've been asked to "hold" a card, the person would call me back within an hour and have me run it again and it would go through with no problems. Amex is screwed right now.

eazyb81
12-20-2008, 05:53 PM
What kind of reward points do you guys get? I've thought about starting to pay my bills with a CC and then paying it off each month to get reward points.

Mr. Flopnuts
12-20-2008, 05:56 PM
What kind of reward points do you guys get? I've thought about starting to pay my bills with a CC and then paying it off each month to get reward points.

It's a great idea.

Mr. Laz
12-20-2008, 05:59 PM
What kind of reward points do you guys get? I've thought about starting to pay my bills with a CC and then paying it off each month to get reward points.
i got a bunch of reward points and i've never used any of them. :shrug:

i don't even know what they do

i think some credit card actually gives you cash back instead of reward points.

dunno how it works but it might be worth looking into

DaFace
12-20-2008, 06:01 PM
What kind of reward points do you guys get? I've thought about starting to pay my bills with a CC and then paying it off each month to get reward points.

That's what I do. Ours pays 1% cash for most and 2% for groceries I think. It's not much, but it adds up to $50-$100 every 3 months.

Pestilence
12-20-2008, 06:02 PM
I have wayyyyyyy too much credit card debt. My new years resolution is to start getting it paid down.

Mr. Laz
12-20-2008, 06:02 PM
http://www.creditcards.com/reward.php

eazyb81
12-20-2008, 06:03 PM
That's what I do. Ours pays 1% cash for most and 2% for groceries I think. It's not much, but it adds up to $50-$100 every 3 months.

Do you have to accept a higher interest rate? What brand of CC do you have?

OnTheWarpath58
12-20-2008, 06:03 PM
What kind of reward points do you guys get? I've thought about starting to pay my bills with a CC and then paying it off each month to get reward points.

AMEX rewards kick ass, IMO.

Plus I get double/triple points when paying a utility bill, using it for gas or at the grocery store.

Braincase
12-20-2008, 06:03 PM
About thr same time I paid off two lines of credit, my most used card bumped my line to 40K.

DaFace
12-20-2008, 06:05 PM
Do you have to accept a higher interest rate? What brand of CC do you have?

Not really. Of course, I don't know - I haven't paid an interest charge in years. It's Citi.

rad
12-20-2008, 06:12 PM
I got 1 for 1k

1 for 900 or so

I'm rebuilding my credit after a tumultuous early 20's...I got in a dispute over a fee on a card back then and stupidly refused to pay......dumb move. Although I was able to buy my house 6 years ago, so maybe it's not as bad as I thought.

beavis
12-20-2008, 06:30 PM
I think my Discover has around a $9k limit on it. It never comes close to it though. I use it to pay for almost everything for the 1% cash back, and pay it off every month.

dtebbe
12-20-2008, 07:41 PM
What kind of reward points do you guys get? I've thought about starting to pay my bills with a CC and then paying it off each month to get reward points.

Best deals are Amex Blue 1.5% on most everything 5% on gas and groceries

Schwab credit card - no annual fee - rebates 2% into your Schwab investment account monthly.

For business if you charge a ton and pay it off 10 days early, Amex Plum is the bomb - $7k and counting cash back this year....

DT

blueballs
12-20-2008, 07:56 PM
If I don't have the cash
I don't need it
I'm pretty much worth less

Mosbonian
12-20-2008, 08:07 PM
American Express cards start with a 3 and only have 15 numbers. The rest have 16.
Visa cards start with a 4
Mastercard with a 5
Discover Card with a 6

No, I'm not a criminal. I work as a credit manager and before that, a bill collector.

Corporate or Retail Credit Manager?

mmaddog
*******

Mosbonian
12-20-2008, 08:18 PM
American Express is in the shitter. I would be shocked if you said you'd charged anything over around 2k and had no problems in the last 3 months. I've talked a lot of folks who have no "pre set" spending limit, but starts having their purchases declined once their balance hits around 2k.

I can tell you why AE has gotten tighter.....over the last couple of years they use a new credit scoring model that "predicts" the probability that the customer will eventually become delinquent or unable to pay their bill. So when the score gets below a certain level it prompts an automated decision. That decision could be anywhere from terminating your card, reducing your C/L by a small amount or a large amount, or do nothing at all.

mmaddog
*******

Mosbonian
12-20-2008, 08:23 PM
The trick Matty is to make sure you're only carrying less than half of your limits on those cards. That will help your credit.

The part you leave out is that depending upon the lender, any Credit Line (used or unused) that you have will be viewed as a negative, especially if it is a revolving line of credit.

mmaddog
*******

Buehler445
12-20-2008, 08:30 PM
What kind of reward points do you guys get? I've thought about starting to pay my bills with a CC and then paying it off each month to get reward points.

On my card, there are "cashback rewards." I don't pay too much attention to it. I think quarterly an amount come off my bill. They don't cut me a check, they just don't make me pay.

My wife's card is a CLUB card with Cabela's, they give us .01 for every dollar spent on the card. .02 for dollars spent at Cabela's. It's pretty nice. I had her put most of our wedding expense on it and have her dad reimburse us:).

Chief77
12-20-2008, 08:57 PM
I think credit cards were invented by Satan. I stupidly got 2 cards when I was in college, without knowing how hard they were to pay off. Needless to say, I am paying for that crap from 7-8 years ago now. Man I wish I would never would have qualified for something I couldn't realistly pay back anyways.