I know the question sounds obvious but I'm still new to credit cards, I use navy federal and I started with their starter credit card nRewards and its been a few months of me using that one with a 250 dollar limit and only using 30% and always paying it off and now I have a 725 credit score so my bank upgraded me the CashRewards credit card and it has a 2000 dollar limit which is a lot more in my hands. Would using this unsecured card be the same concept of spending a certain percentage and paying it off with my debit card? I see some people also say that a credit card should be the only card ..read more

Current cards: Amex Blue Cash Everyday 11K Limit ~2016 Discover IT ~2013 FICO Score: 791 Oldest account age: ~11 years Income: ~120k Average monthly spend and categories: E-commerce Dining Bills i.e Youtube TV, Verizion Fios Open to Business Cards: No What's the purpose of your next card? Need a card that is a Visa or MasterCard so I know it will be accepted nearly anywhere I go Would also like a card that has no foreign transaction fees so if I do travel Do you have any cards you've been looking at? Bank of America Travel Rewards Are you OK with category spending or do you want ..read more

So past few years ive bought stuff on best buy cause at the time i didnt have enough credit history and parents had a best buy card for appliances and such. I can continue using their card, but wondering if its better getting my own? submitted by /u/jack413man [visit reddit] [comments ..read more

Now that tax season is over, was going through my cards and thinking of which to cancel. Just realized I’ve got the platinum, sapphire reserve, and venture x. Any suggestion on which to keep or cancel? submitted by /u/internmonkey95 [visit reddit] [comments ..read more

I have been going to physical therapy every week and have been having the in-network provider bill my insurance directly and then I just pay the copays. I think that I have the option of paying the full amount myself and then submitting the claim to my insurance to have them reimburse me directly in the form of a check - this would be great for collecting new SUBs on cards as well as getting some rewards in the form of points. My question is there any downside to doing this (assuming I have the cash to pay off my bill almost immediately)? Would there be any potential difference in reimburseme ..read more

Just got the Chase freedom flex submitted by /u/Impossible_Kick_7573 [visit reddit] [comments ..read more

I applied to for the chase cash ink business credit card on April 26th in a branch because I have an ITIN. I noticed I used my primary email for my chase accounts vs the one I used for the LLC I registered. Will this affect me at all? I got an email on Saturday April 27th verifying my, ITIN, W9, and IDs. Sent that over and received an email saying "We appreciate you sending the documents we requested. We will review as soon as possible and will respond by mail within 1 to 2 weeks." I called today Monday April 29th and was told they would give me a decision in 7-10 days. Am I okay or would the ..read more

As the title says, I am still maybe relatively a beginner in my credit card journey, but (and tell me if I'm wrong) I think my score and length of credit history makes me at least little more experience than some at this point. I just can't seem to get any substantial CLIs on any of my current cards. I'm looking to start getting rewards on gas and using these rewards towards travel. Current cards: (list cards, limits, opening date) Capital One SavorOne, $3,000 limit, April 2023 Capital One Quicksilver, $300 limit, August 2022 Wells Fargo Active Cash (authorized user), limit unknown, joined ..read more

I'm very new to the travel credit card game, and I am debating on what card to apply for next. I won't be applying for a few months, but I'm trying to plan ahead! I only travel 2-5 times a year, but having a free flight/hotel would be nice for some of those trips. I currently have the Chase Freedom Unlimited as my everyday spender, as it's the only card I have right now. I've hit the welcome bonus on this as well. (I currently hit around 2-3k points a month with this card). I am a fan of the chase hotels (Hyatt), however when I fly, I tend to fly with Delta only. Delta is Amex, Chase is Hyatt ..read more

TLDR: * US Bank approved me for 2 Kroger sub-branded cards within 24 hours of each other. * Being thousands of miles from the nearest Harris Teeter wasn’t an issue. I was approved for 2 credit cards by US Bank for credit cards under the Kroger line one right after the other: Mariano’s Rewards World Elite Mastercard Harris Teeter Rewards World Elite Mastercard Location: Chicago, IL I applied for the Mariano’s card yesterday and was approved instantly. I applied for the Harris Teeter card today and the US Bank website said they needed to take a closer look and I should hear back in 7-10 days ..read more