Good Credit Again

[JoeyBatters]

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@Wavester64 wrote:

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Not sure what scores are needed to get this card, but I would recommend the SoFi MC 2% CB on all spending, no spending limits. They do not offer a SUB though, at least I don't think they do at the moment.

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Ill add SoFi to the list. TY

[JoeyBatters]

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@ptatohed wrote:

Dispute the derog.  If it's paid and it's been 4 years, I am willing to bet the apartment complex won't bother to respond and it will be taken off your report.  

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Derog is 4 years old, but I JUST paid it a couple weeks ago. 

I was still going to try and dispute to see if it would get removed - beginning of the year. What you think? 

[ptatohed]

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@JoeyBatters wrote:

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@ptatohed wrote:

Dispute the derog.  If it's paid and it's been 4 years, I am willing to bet the apartment complex won't bother to respond and it will be taken off your report.  

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Derog is 4 years old, but I JUST paid it a couple weeks ago. 

I was still going to try and dispute to see if it would get removed - beginning of the year. What you think? 

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Yes, go for it.  It can't hurt.  Since you just recently paid it, they may still be a little bitter but, at the end of the day, they really just wanted their money.  I think you have a good chance of prevailing.  Good luck.  

[unsungivy]

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@JoeyBatters wrote:

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@Tiggr wrote:

C1 is buying Discover but we don't know for sure how that'll affect things across the two, but yeah C1 is probably off the table for a while. 

I'd like to think of CB cards and premium cards to be usually separate things, aside from the new US bank smartly card, which is great if you have a lot of savings.  If you're eligible for NFCU, they have a great CB card that can become a 2%

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I think of premium cards like a PenFed or something along the lines. Surely those have CB. we prolly have diff defintions. 

I had NFCU over 10+ yrs ago. Ill put them on the list along with Chase. 

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Definitely wouldn't consider PenFed "premium", lol. Premium usually means the high end travel cards; the Visa Infinites (or at least Visa Signatures) with typically high Annual Fees but which pay for themselves if you actually use all the different things they give you access to. Premium cards usually come with a wealth of benefits rather than straight up return on cashback or points.

[FicoMike0]

I'm not a big spender. For me, the big fee cards are a loser. I tend to go for cash back. Since my spend is low, I find sign up bonuses attractive.

I like amex, because there's no hard pull unless you're approved. Two to consider are blue cash everyday and blue cash preferred. Bce is no fee, pays 3% on some things, a $250 sub for $2000 spend on six months. Bcp is no fee first year, 6% On some things and a $300 sub for $3000 spend in six months. If you meet the spend for the bcp, you can downgrade to bce before the fee is due.

Wells Fargo has active cash visa, 2% on everything, $200 sub on $500 spend.

Right now, Chase is offering $200 gift card on approval for the Amazon prime, 5% on amazon card.

Over in the credit union world Langley is offering a 5% cash  back in certain categories, with 10% for six months! No fee, no sub either.

https://www.langleyfcu.org/personal-credit-cards/signature-cashback

[JoeyBatters]

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@unsungivy wrote:

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Definitely wouldn't consider PenFed "premium", lol. Premium usually means the high end travel cards; the Visa Infinites (or at least Visa Signatures) with typically high Annual Fees but which pay for themselves if you actually use all the different things they give you access to. Premium cards usually come with a wealth of benefits rather than straight up return on cashback or points.

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I see, i was just thinkin Credit Union = Premium, lol

Ya im not sure how many of the "different things" they offer that I would use. Guess I would have to check - maybe there would be some value there? Whats it like havin a premium card? 

[JoeyBatters]

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@FicoMike0 wrote:

I'm not a big spender. For me, the big fee cards are a loser. I tend to go for cash back. Since my spend is low, I find sign up bonuses attractive.

I like amex, because there's no hard pull unless you're approved. Two to consider are blue cash everyday and blue cash preferred. Bce is no fee, pays 3% on some things, a $250 sub for $2000 spend on six months. Bcp is no fee first year, 6% On some things and a $300 sub for $3000 spend in six months. If you meet the spend for the bcp, you can downgrade to bce before the fee is due.

Wells Fargo has active cash visa, 2% on everything, $200 sub on $500 spend.

Right now, Chase is offering $200 gift card on approval for the Amazon prime, 5% on amazon card.

Over in the credit union world Langley is offering a 5% cash  back in certain categories, with 10% for six months! No fee, no sub either.

https://www.langleyfcu.org/personal-credit-cards/signature-cashback

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Same, in general, but I use my CCs for bills / a buffer to my real bank account for fraud, etc. So I literally use it all the time and PIF every month. Right now I just use my discover, so maybe that will be used for 2 weeks and then the other for 2 wks just to keep things smooth and get more limit. So hitting those minimums in that timeframe wouldnt be difficult at all. 

Thanks for all those, ill deff add them. 

[JoeyBatters]

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@ptatohed wrote:

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@JoeyBatters wrote:

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@ptatohed wrote:

Dispute the derog.  If it's paid and it's been 4 years, I am willing to bet the apartment complex won't bother to respond and it will be taken off your report.  

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Derog is 4 years old, but I JUST paid it a couple weeks ago. 

I was still going to try and dispute to see if it would get removed - beginning of the year. What you think? 

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Yes, go for it.  It can't hurt.  Since you just recently paid it, they may still be a little bitter but, at the end of the day, they really just wanted their money.  I think you have a good chance of prevailing.  Good luck.  

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What do i do, just dispute it? 

if they ask me why im disputing, do i say because its paid?

[Varsity_Lu]

@JoeyBatters 

@FicoMike0 

I second what Mike said about Blue Cash cards. AmEx has a pre-qual check so you'll know if you can get it before a hard pull. Start with Preferred since the fee is waived the first year and it gives 6% on groceries and 3% on gas. Great card. Even if you end up downgrading to Everyday, it still gives 3% on gas, groceries, and online shopping which includes Amazon and Walmart with Walmart Pay. No fee makes it even better.

I will correct one thing Mike said though: don't downgrade from Preferred to Everyday until AFTER the second year fee has been charged. If you request a downgrade before the first year is up they will claw back the SUB. If you downgrade within 30 days of the second year fee being assessed they will pro-rate a refund for you.

[FicoMike0]

@Varsity_Lu 

Good point, I didn't think of that.

I suppose I should point out nfcu had some good cards, since everyone loves navy. If you're eligible to join. I just got their flagship card, violating my general rule against fee cards. It's $49, but comes with free prime. Also, a $400 sub for $3500 spend. I guess it's sort of a premium card.

Here's the index to the best for everything lists,

https://www.doctorofcredit.com/credit-cards/best-credit-cards/