@DU556 wrote:How do you get your sig cards to show info when hovering over them?
In the code for the image, you insert a title. E.g. title="Barclay LL Bean Visa 3300". Whatever you have within the parentheses will show up when one hovers.
"@BentTable...the Fico app is the one saying I have too few credit cards. I don't believe i do because I've already reached 800 with what i have. I didn't know new accounts dropped your score so much. I thought the inquiry was the 'bad' part of getting a credit card. I would like to get a really good cash back card but if it means dropping 24 points again, i don't think so.
Since store cards change lenders often, does that mean it doesn't help with AAoA since they are always being closed and reporting with another lender?
I've had my JCP card for 10 years but it shows it was barely opened 1.5yrs ago.
Since store cards change lenders often, does that mean it doesn't help with AAoA since they are always being closed and reporting with another lender?
I've had my JCP card for 10 years but it shows it was barely opened 1.5yrs ago.
@BentTable my JCP card does show under the closed accounts with the old lender. Does this help my score at all? With aging I mean.
My miles discover card gives me 1% miles on every purchase and 2% on restaurants. Their new discover IT miles cards gives you 1.5% on everyday purchases but they won't do a product change. The weird thing is they'll switch me to the old cash back card they have with no problem but require hard inquiry if i want the new IT miles card. To me it seems moving me from a miles to miles card should be easier but it isn't.
As for Amex, I have the everyday points card but they don't allow me to switch to the blue everyday cash card because it's a different rewards program. Hard inquiry required again. The points i get on this card are only worth 0.70 for every dollar i spend. My discover miles are worth 1.0 for every $1 on amazon. For this reason, i have chosen to make my discover card my primary card.
I chatted with Amex online and they told me to call on the 24th to see if they can make an exception and switch me to the cash card. If they do, I'll make this my primary card.
My miles discover card gives me 1% miles on every purchase and 2% on restaurants. Their new discover IT miles cards gives you 1.5% on everyday purchases but they won't do a product change. The weird thing is they'll switch me to the old cash back card they have with no problem but require hard inquiry if i want the new IT miles card. To me it seems moving me from a miles to miles card should be easier but it isn't.
As for Amex, I have the everyday points card but they don't allow me to switch to the blue everyday cash card because it's a different rewards program. Hard inquiry required again. The points i get on this card are only worth 0.70 for every dollar i spend. My discover miles are worth 1.0 for every $1 on amazon. For this reason, i have chosen to make my discover card my primary card.
I chatted with Amex online and they told me to call on the 24th to see if they can make an exception and switch me to the cash card. If they do, I'll make this my primary card.
@lg8302ch wrote:tja... the dropp in AAoA is an enemy for 800+ scores.. same for me ...800 score possible with AAoA of 6+ years on my profile but no longer in reach with less than 4 years so keep gardening and it will get you back up
... on the bright side 760+ Fico scores will not make any difference in real life ..lol.. rather have nice new cards than 800+ Fico if I have to choose !
Having an 800+ FICO is very doable with 4 year AAoA. Mine was at 825 on TU with 4 years AAoA and oldest account being 6 years old.
@DU556 wrote:
@Anonymous my JCP card does show under the closed accounts with the old lender. Does this help my score at all? With aging I mean.
My miles discover card gives me 1% miles on every purchase and 2% on restaurants. Their new discover IT miles cards gives you 1.5% on everyday purchases but they won't do a product change. The weird thing is they'll switch me to the old cash back card they have with no problem but require hard inquiry if i want the new IT miles card. To me it seems moving me from a miles to miles card should be easier but it isn't.
As for Amex, I have the everyday points card but they don't allow me to switch to the blue everyday cash card because it's a different rewards program. Hard inquiry required again. The points i get on this card are only worth 0.70 for every dollar i spend. My discover miles are worth 1.0 for every $1 on amazon. For this reason, i have chosen to make my discover card my primary card.
I chatted with Amex online and they told me to call on the 24th to see if they can make an exception and switch me to the cash card. If they do, I'll make this my primary card.
If you are redeeming MR points for cash, yes, only .7c is likely. Gather them up and transfer to an airline like Flying Blue / Air France, and the value goes to more like 2c. Of course, you will need 50,000 points to make that happen, for a trip to europe for example, but it is possible.
And honestly, speaking with all due respect, if you are letting your FICO score dictate how you look at trying to work your existing cards into rewards they aren't going for, just go ahead and app the new card. App the AMEX Blue Cash Everyday and get it over with. You'll get a nice new larger CL, and get the rewards you want. If you want the newer Discover IT Miles or whatever card that is, app it and be done.
Will your score go down some? Yes, but no one writes a check to you each month your score is at 800 or above. Earning the bonus you want on spend, and sign up bonus however, that's some real money there.
