Im 18m and I need to find a suitable credit card preferably the best one to start building credit score. my dad said to get one with a lot of travel points and cover hotel fees and stuff, but I have no idea which ones are the best. how do I apply for credit cards as well? submitted by /u/Entire-Audience2656 [visit reddit] [comments ..read more

My situation is this: I need to rent a car in a 3rd world country and the only option available, is an agency that is ranked extremely low online, with an extremely high number of people complaining they were fraudulently charged 200-500 Euros several weeks after returning the car, for damages they could prove through photos and videos were entirely made up. In some cases their charges were reversed by the credit card company, in others they weren't. These happened even when they paid extra for 0 co-pay insurance policy, so it's an obvious scam. This situation is a given, and I am not looking ..read more

Hi! Hoping someone could answer my question. I have a BPI credit card. In my BPI app, there was an option to transfer funds from my savings account or credit card. If I chose credit card to transfer funds to a different bank account, will it be considered a cash advance? Thanks in advance! submitted by /u/CoconutSpecialist262 [visit reddit] [comments ..read more

I have questions about Chase Sapphire trip delay/interruption insurance. I booked a trip from NYC -> Dubai (4 days) -> Bangalore -> NYC (with a layover in Dubai) using my Sapphire Reserve card. The Dubai to Bangalore leg of the trip has been cancelled due to rain/flooding shutting down Dubai's airport. Does this fall under the trip delay policy, interruption policy, or both? Our trip to Bangalore was cancelled, and I'd like reimbursement for the expenses from it (specifically our hotels in Bangalore), which I believe should be covered by trip interruption insurance. I'd also like rei ..read more

Hello Everyone, I'm quite young and have just recently gotten my first credit card with Alta Vista. It is a prepaid credit card to build my credit. I know this is probably going to be a very silly question but, I have yet to receive the card (it will arrive in the mail in a couple days) and when I check the app, it says my available balance is $0. The limit on the card is $500~, when I receive my card, will the available balance and the current balance amount both be the same? submitted by /u/StrangeAssumption566 [visit reddit] [comments ..read more

so Ive only applied for one credit card and i was rejected. last week i applied to get my credit score checked. it came back as 790. if i wanted to get a loan for a house, will this score be used to calculate? Or is there not enough credit history, thus a higher rate would apply? submitted by /u/Alarmed-Fun5273 [visit reddit] [comments ..read more

So I just got approved for the Kroger Mastercard for $500. It’s probably low because I got denied for 2 cards this year. Salary $10k, I put my occupation as part time worker and below I put student. Credit score ~770. I decided to keep it even though my 3 of my credit cards have $8000 CL and 2 have a $3000 CL because they are student cards. (A little controversial, but I decided to accept the offer hoping that once I get a decent credit limit increase I could use in conjunction with my rotating category cards). How should I go about paying off the card regarding the low credit limit.Maxed out ..read more

Kind of new to this. Can I let other people (close friends/family) use my card for online purchases and then they send me the money right after so I get the points? Would AMEX care about that? Yes, I always pay my statement in full every month and yes, they always pay me back. This is just for like their normal online shopping and buying flights and whatnot. submitted by /u/Old_Cabinet_4599 [visit reddit] [comments ..read more

Got the above message as a banner in my Amazon Synchrony card app. When I click the banner for more details it doesn’t say anything about Whole Food purchases earning 5% but does say the following: % Back Benefit: All purchases (less returns and other credits) to which the % back benefit applies, including eligible purchases at participating Whole Foods Market physical stores, will result in you receiving rewards points equal to the applicable % of such purchases on your Amazon Store Card or Amazon Secured Card, as the case may be, except as provided below. We may, from time to time at our di ..read more

TLDR: this is TeamTravel analysis. get 1.5x or 2x card. Get non category spend from year end summary or budget tools. Disclosure: I don't know Mark Reese, and I won’t be linking to his video here. Yesterday Mark shared on Youtube his $53k spend and how multi card setup will result in earnings. Id argue most ppl will see highest value from 2 highly tailored cards(considering the management and time ROI). His spend: Category spend Non-Category $ 10,144 Healthcare $ 8,112 Amazon $ 4,419 Live Entertainment $ 4,093 Online Retail $ 3,191 Supermarkets $ 3,041 Hotels $ 2,969 Rest ..read more