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Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

Re: Cleaned up report and need recommendations :)

[ Edited ]

brother7 wrote:

webhopper wrote

Use your PayPal Extras MasterCard

to get 2x points for all your PayPal and eBay purchases.

3x points/ $1 spent on Gas & Restaurants

2x points/ $1 spent on PayPal & eBay

1x points/ $1 spent on all other MasterCard purchases


Thank you webhopper for making me aware of this card. I've been using either Costco Trueearnings or Chase Amazon which are only 2% cash back at restaurants. Since I dine at restaurants a LOT, you may have just given me a reason to step out of the garden. :smileyembarrassed:


STOP Right away. PayPal points are subjected to frequent fluctuation. Its points typically worth 0.5 cent to 0.8 cent. Sometimes PayPal have 1:1 redemption on gift card during holiday (which just expired couple weeks ago btw), but most of the time it is less than 1 cent.

 

Your Chase Amazon is FAR better than PayPal MC.

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Cleaned up report and need recommendations :)

i really wish they would actually SPIT out how much things are worth...... that's why I like Chase 1 point always = 1 penny no matter what, even Amex is being wierd with the members mall =\


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
Imua
Posts: 292
Registered: ‎01-17-2009
0

Re: Cleaned up report and need recommendations :)

[ Edited ]

if it's consistent points for groceries and gas, i would suggest the BofA Americard CashRewards

1% on purchases with the card

2% on groceries

3% on gas

 

no fluctuating categories

and if they still have the purchase $500 within 90 days and get $100 bonus offer, that's an extra enticement

 

i just got the 1-2-3- card at the end of September, purchased $500 within the first month, and already (as of yesterday) have my $100 bonus

(deposited into my bank acct).

 

good luck in choosing a card that's right for you :smileyhappy:

 

PS - the only time i will use another card for gas is when chase freedom again offers their 5% for gas category

 

 


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Cleaned up report and need recommendations :)


Imua wrote:

if it's consistent points for groceries and gas, i would suggest the BofA Americard CashRewards

1% on purchases with the card

2% on groceries

3% on gas

 

no fluctuating categories

and if they still have the purchase $500 within 90 days and get $100 bonus offer, that's an extra enticement

 

i just got the 1-2-3- card at the end of September, purchased $500 within the first month, and already (as of yesterday) have my $100 bonus

(deposited into my bank acct).

 

good luck in choosing a card that's right for you :smileyhappy:

 

PS - the only time i will use another card for gas is when chase freedom again offers their 5% for gas category

 

 


No thanks I have BOA and the 1-2-3 card is subpar to my BCP :smileyhappy: and even BCE I also got $150 for spending $1,000 :smileyhappy:

I also have a CostCo Amex now at 4% gas off any gas station including CostCo , and Freedom, Sapphire etc lol


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Cleaned up report and need recommendations :)


distantarray wrote:

Imua wrote:

 

good luck in choosing a card that's right for you :smileyhappy:

 

PS - the only time i will use another card for gas is when chase freedom again offers their 5% for gas category

 

 


No thanks I have BOA and the 1-2-3 card is subpar to my BCP :smileyhappy: and even BCE I also got $150 for spending $1,000 :smileyhappy:

I also have a CostCo Amex now at 4% gas off any gas station including CostCo , and Freedom, Sapphire etc lol


 

Hey guys... my suggestions were based on the OPs scores. I'm not sure she should app for BCE with no prior amex relationship... Definately I tried to give some options that.required good but not excellent credit. Thanks for the info about those paypal points... I didn't know what point value was on the exchange of points for cash.equivalent. I love my amazon visa.... I still think its an excelled card to carry. I don't know much about citi cards so I cant really speak to the forward or other cards.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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New Contributor
KausticRage
Posts: 55
Registered: ‎10-10-2012
0

Re: Cleaned up report and need recommendations :)

OP is a he :smileywink:

 

The plan is to go to Walmart and app in store.  If I am approved I will try for the PRG then Chase Amazon if the Amex is approved.

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Cleaned up report and need recommendations :)

Good luck! Let us know how it turns out!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
New Contributor
KausticRage
Posts: 55
Registered: ‎10-10-2012
0

Re: Cleaned up report and need recommendations :)

Woohoo so far im batting 1 for 1. Just apped in store at Walmart and got approved for $1600 after i had to call in verify some info although i forgot to ask if it was a Discover :smileyvery-happy:. On to the next one when i get home.
April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Cleaned up report and need recommendations :)

Whoo hoo! That's great! Good luck on the next one!!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
New Contributor
KausticRage
Posts: 55
Registered: ‎10-10-2012
0

Re: Cleaned up report and need recommendations :)

Not a bad app day :smileyhappy:  Got instant denial on the Amex due to the SL not showing positive yet.  I tried the recon line and todl them they are current and I have documentation to prove it.  They will reconsider once I fax over the docs that show im current.  The Amazon card was approved for $1000 and the DW was bugging for a VS card and I was approved for $750.

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...

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