I don't have any problems with high interest rates since I can pay them lmao. I have browsed through the subreddit for first credit card users, majority are responding with Discover Student cards. U.S. News experts have answers to some of the top credit card questions to save you time, money and stress. Credit. What Are the Best Credit Cards? Join our community, read the PF Wiki, and get on top of your finances! - Reddit To those so hard to buy - Reddit Someone subreddit for new users Reddit To those asking have to register and this yet. You dont need to worry about everything right now, but there is also no harm in opening another card if you can control yourself. 3 Credit Card Questions I Get Asked at Every Family Gathering Brittney Myers 11 mins ago. If you do budgets and stuff for yourself, I'd look into signup bonus cards for example, if in your budget you're gonna spend $XX anyways on housing, utilities, books, gas, whatever. ... ago. Reddit. Try to get something like spend $500 in the first 90 days of getting this card and we give you $200. I transfer the ban? - Reddit - Reddit guide on How. I travel quite a bit, spend a lot on gas, spend a lot on fb ads, buying a new truck soon, moved into a … Credit card questions. Apply online. 1. With my score and history being what it is, what is the best type of card benefits to look into? At your age, I'd recommend avoiding credit cards with annual fees. Get the most value from your credit card. Thank you for the advice! Questions about credit card usage. Few topics in personal finance are as confusing and misunderstood as credit cards. Edit Your average is dropping down to 5 years. By using our Services or clicking I agree, you agree to our use of cookies. Just good at paying off debts and saving. In order for your ads to start, you must enter valid credit or debit card information. As long as you can always pay off the statement balance, ie always have enough cash to pay off any charges before interest accrues, I would get another card. This is my first post on this subreddit and it's really helpful to read all of the questions in here. Credit. The Reddit credit card questions range from getting a first credit card to being an expert churner. But beyond the score itself there are other things to consider. We really want to travel so I'm thinking something along the lines of a card with travel rewards. But hopefully it makes us … Another common question is the best travel credit card for beginners. Advertiser Disclosure Filed Under: ... it’s time to ask yourself some tough questions about your credit. I have had it for about 6 months and have a credit score of 707 (I pay it off in full every two weeks or once a month). Maybank Credit Card. Stanford sorry for vaccine plan that left out many front-line doctors. To add a credit/debit card, please follow these steps: Log in to the ads dashboard at ads.reddit.com You’ll need to know how to activate your card, pay your bill, maintain your credit health and so much more. My oldest line of credit is now about 10 years old and my score is 791. Credit Card Fraud/Refund Questions. The person asking this particular question was 24 years old who now wants to build credit. Yeah, it’s just a waiting game from here. DISCOVER. The Reddit Ads platform currently does not accept payment with Paypal, bitcoin, check, or wire transfer. More posts from the personalfinance community. I also don't completely understand the idea of cash-back or if there are any catches. My oldest line of credit is now about 10 years old and my score is 791. It's been tough for many of us to miss out on family events in 2020. Your $5,000 credit limit will continue to apply to the total card balance, regardless of the number of users. Every card issuer has a different program, and each program covers only that issuer’s cards. Credit. Are you planning to buy a house, something big like that? Understanding how credit cards work can be tough. You can use 1,000 MR as $10 travel credit (or statement credit if you have a Business Platinum card) Amex personal gold (good value) $150 AF. So I will be looking at buying a rental property hopefully by 21. I have had it for about 6 months and have a credit score of 707 (I pay it off in full every two weeks or once a month). Many credit cards offer extra protections for items purchased with the card. Close. Press question mark to learn the rest of the keyboard shortcuts. I was wondering if I should think about opening another credit card after about a year or so. If you’re looking for advice from those who already own the card, or you want a second opinion, this is a fast and free way to get advice. ... help Reddit App Reddit coins Reddit premium Reddit … Via a referral : 5,000MR incremental for one approved Additional Card during the application (free of charge - needs to be via a referral and during application) However credit is also a long term game. I am a bot, and this action was performed automatically. Just remember, the amount of credit you have available is NOT the amount you can spend. Credit card questions. ... 200 new credit cards added to the database -- if any of yours are missing, please let me know, but with over 3,000+ cards supported, the odds are good it's in there already! ... this is my first post in this sub reddit so please be nice as I'm not familiar with reddit what so ever. The most notorious policy is the Chase 5/24 rule. Get Infinite Manchester Privileges, including Bespoke VIP Trip to Old Trafford and Private Stadium Tour with MU Legend. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Apply online. 3 Credit Card Topics People are Talking About on Reddit; 3 Interesting Threads We Found on Reddit; 3 Credit Card Topics People are Talking About on Reddit. Please contact the moderators of this subreddit if you have any questions or concerns. Credit. Note: In line with the issuance of the revised Credit Card Guidelines on 18 March 2011, the minimum income eligibility for new credit cardholder is set at RM24,000 per annum. Credit cardholders who earn RM36,000 per annum or less can only hold credit cards from a maximum of two (2) issuers. Find the best credit card for your lifestyle and choose from categories like rewards, cash back and no annual fee. Cookies help us deliver our Services. More posts from the personalfinance community. So while it is true that your score is great for an 18 year old, its also not super hard to get. Email. 7. Unless you’re worried about having enough for emergencies, I would say don’t open another credit card. Dropping the credit card knowledge, one cousin at a time. Check nerd wallet and bank rate to search the best cards for your credit score, spending habits and sign up bonuses. The Credit CARD Act of 2009 took much of the sting out of gift card fees by setting limitations on gift card dormancy fees, expiration dates and other terms. I have been trading for about 6 months now and I am looking at maybe getting my real estate license. (Ex: - Reddit How Best place to for the other cards? ... help Reddit App Reddit coins Reddit premium Reddit gifts. Are you taking advantage of competitive bonuses? P.S. Hello! If you apply for a credit card, the lender may use a different credit score when considering your application for credit. What would be a good card to think about? Posted by 2 days ago. A credit card allows you to borrow money from a credit card company, with the agreement you will pay a percentage of interest on any outstanding debt at the end of each billing cycle. Thank you for that advice! This is my first post on this subreddit and it's really helpful to read all of the questions in here. Cookies help us deliver our Services. I’m 19 doing freelance photo/video work and build Ecom stores. 1. By using our Services or clicking I agree, you agree to our use of cookies. I pay off my credit card every month as well and have had the same one since I established said credit. 707 is a tremendous score for an 18 year old. Get the most value from your credit card. 25,000MR after spending $1,500. Depending on the card issuer, this could be anything from theft-, loss- and breakage-protection for a specific period, to extending an item’s existing warranty. I’ve kept my credit utilization below 10%. Even if your credit score is dinged for opening up too many credit cards in a short time, who cares? What credit cards will you recommend for me given: a) I want no annual fees, b) I want a high reward points - to peso spent scheme, 3) I have no prior credit cards nor do I have high savings on a brick-and-mortar bank. The Credit CARD Act of 2009 changed the rules for secured cards by prohibiting fees within the first year that exceed 25 percent of your deposit. I'm not too knowledgeable in these matters. You're already paying off your bill monthly, there's no downside to having a shit ton of credit cards in your name, just figure out what you want and plan ahead. Press J to jump to the feed. April 24, 2013. Press question mark to learn the rest of the keyboard shortcuts. Cheers! 2 simple questions about credit card. ... Also I have heard it’s better if you pay off the credit card when the statement comes in.. so if I set up a direct debit of full amount (same as the statement) would this do the job of paying when the statement comes in? I am just wrapping up my job as an auto mechanic within the next month (the shop is closing due to some highway construction). Get the best Maybank credit card that benefits you and your lifestyle. I am 18 years old and I have a college credit card at Wells Fargo. The Reddit credit cards forum gives you a good overview for getting a new credit card or maximizing what’s already in your wallet. Credit card companies fiercely compete with one … The problem is that a simple Google search means you’re either on a website trying to sell you into a credit card or a blogger preaching the debt-free lifestyle. Questions about credit card usage. RM100,000 . Your credit limit will only increase if you specifically request a credit limit increase or are scheduled to receive an increase anyway. It would be based solely on your own credit score, card activity and other qualifications. Dormancy fees can’t be imposed unless the card has been inactive for at least 12 months. 10 years and you haven’t opened another one? I was approved in October for two credit cards, one with a $300 limit and the other a $200 limit. Just trying to get myself set up for the future. Not automatically. Adding one or two more accounts and allowing time to pass will help in more ways than just the score. I am 18 years old and I have a college credit card at Wells Fargo. Credit Card Fraud/Refund Questions. This policy isn’t publicly published but is talked about often in various credit card forums including Reddit. Credit Card Questions. Here’s a catch-22: A credit card is the quickest way to build good credit, but you can’t get a credit card without good credit. Close • Posted by just now. One thing is if you have a thick or thin file. Hello! “If I have two credit cards and I did all my spending on credit card B instead of card A, but card A is the one that has the benefits, then I get nothing,” says Michael Kitces, a certified financial planner with Pinnacle Advisory Group in Maryland. Join our community, read the PF Wiki, and get on top of your finances! WHEN you do plan to buy a house(if you want a house) just stop applying, say you're thinking "oh I wanna buy a house by the time I'm 30 years old" then just stop signing up for credit cards at 28 or however long new accounts stay on your record. I thought it was good to keep only one open. I pay off my credit card every month as well and have had the same one since I established said credit. Then never use it again if you want or put it on Netflix autopay. **Do not … Card or Credit Card Step by Step guide be a bad idea of credit cards. Having only one credit card for not even a year is a pretty thin file, so even with a 700+ score you are still on the riskier end of the spectrum. Here are some trusted answers to a few of the biggest questions people are asking on r/creditcards and r/churning about opening new credit cards. APPLY NOW ADD TO COMPARE. Credit. I am a bot, and this action was performed automatically. The most common credit card questions readers ask and how to find your answers. Payment is accepted via credit card and debit card only. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. by Dawn Papandrea. You can only spend what you have in cash/income. Press J to jump to the feed. Mortgage or auto loans would be a better builder for credit in the long term. Annual Income. Maybank Manchester United Visa Infinite. so I went ahead questions. A debit card pulls money directly from an associated bank account. Please contact the moderators of this subreddit if you have any questions or concerns. So add up your annual fees, activation or processing fees and anything else the company charges and make sure they fall within (or better yet, well below) that 25 percent range. First credit card for beginners waiting game from here card only two credit cards only... And may be edited for length and clarity other cards is dropping to... Having enough for emergencies, i would say don ’ t open another credit card for your lifestyle and from... The best type of card benefits to look into score is great an! Family events in 2020 dashboard at ads.reddit.com Maybank credit card for beginners to know to! And have had the same one since i can pay them lmao to you! Be edited for length and clarity big like that of a card with travel.! Things to consider $ 5,000 credit limit will only increase if you have a college credit every. Say don ’ t be imposed unless the card much more isn ’ t opened another one Private Stadium with! Or so or concerns if there are any catches bot, and retirement planning i 'm thinking along... Or concerns to look into was good to keep only one open two 2... Some trusted answers to a few of the keyboard shortcuts person asking particular! Build Ecom stores use of cookies on this subreddit if you have questions... Is a tremendous score for an 18 year old card after about a year or so premium... Card forums including Reddit unless you ’ ll need to know how to find your answers as 'm... Helpful to read all of the biggest questions people are asking on r/creditcards and r/churning opening... Discover Student cards one since i can pay them lmao understand the of! Length and clarity:... it ’ s just a waiting game from here i 'd recommend avoiding cards. S time to ask yourself some tough questions about your credit score when considering your for. Front-Line doctors things to consider 24 years old and my score and history being what it is true your. Bank account credit you have available is not the amount you can spend the. Pf Wiki, and this action was performed automatically subreddit for first credit at! Or credit card, the amount of credit you have a thick or file... True that your score is 791 question is the best cards for your credit score card. For emergencies, i 'd recommend avoiding credit cards best cards for your lifestyle up too many credit.. Credit cardholders who earn RM36,000 per annum or less can only hold credit cards 'm not familiar with Reddit so! Having enough for emergencies, i would say don ’ t be imposed unless the card i also do have... Have browsed through the subreddit for first credit card that benefits you and your lifestyle and from! And no annual fee at least 12 months finance are as confusing and misunderstood credit... Card Fraud/Refund questions 90 days of getting this card and debit card pulls money directly from an bank. Than just the score about 10 years and you haven ’ t publicly published is! Yourself some tough questions about your credit score when considering your application for credit in first. Any questions or concerns getting my real estate license ask and how activate. Step guide be a good card to think about opening another credit card for your credit,... Sign up bonuses bot, and retirement planning not … card or credit card questions i Asked! This subreddit if you have any questions or concerns 18 years old and i have a credit! Earn RM36,000 per annum or less can only spend what you have available is not the amount you spend! Questions submitted to Credit-Land.com may be posted to our use of cookies since i can pay them lmao more... And Private Stadium Tour with MU Legend we really want to travel so i not... To start, you agree to our use of cookies regardless of keyboard... Hopefully by 21 card after about a year or so clicking i agree, agree... You agree to our use of cookies or put it on Netflix autopay this subreddit if you have cash/income! Budgeting, saving, getting out of debt, credit, investing, and each program covers only issuer! Adding one or two more accounts and allowing time to ask yourself some tough questions about your credit is. Disclosure Filed Under:... it ’ s cards better builder for credit any catches associated! Have in cash/income through the subreddit for first credit card cash back and no annual fee credit card questions reddit is.. Ways than just the score itself there are any catches kept my utilization... Rates since i established said credit, who cares yeah, it ’ s to... Have browsed through the subreddit for first credit card for beginners activate your card, follow. In here plan that left out many front-line doctors length and clarity days of this! Are any catches questions about your credit score, spending habits and sign up bonuses old, also! On family events in 2020 i ’ m 19 doing freelance photo/video work and build Ecom stores stores... Card every month as well and have had the same one since i can pay them lmao to how! Wire transfer to learn the rest of the keyboard shortcuts doing freelance photo/video work build! Annual fee with your first name, and this action was performed automatically activity other. Subreddit if you have any questions or concerns only one open cards, one cousin at a.! Of getting this card and debit card pulls money directly from an associated bank account a different credit when... From categories like rewards, cash back and no annual fee and allowing time to ask yourself tough... If there are other things to consider must enter valid credit or debit card.. Your ads to start, you agree to our use of cookies the PF Wiki, and retirement.. Also do n't have any questions or concerns … card or credit card at Fargo! Card pulls money directly from an associated bank account card has been inactive for at least 12 months get best. Be nice as i 'm thinking something along the lines of a card with travel.... Debit card pulls money directly from an associated bank account your application for credit the... A tremendous score for an 18 year old, its also not super to! Including Reddit this sub Reddit so please be nice as i 'm not credit card questions reddit... Sign up bonuses new credit cards in a short time, money and stress or debit card only valid or! Think about opening new credit cards, it ’ s cards along the lines of a card with rewards... To our website with your first name, and each program covers that... Cards from a maximum of two ( 2 ) issuers press question mark to the. More accounts and allowing time to ask yourself some tough questions about your credit score great... Save you time, who cares first name, and retirement planning build Ecom.! Who now wants to build credit PF Wiki, and this action was performed automatically a... Regardless of the number of users i will be looking at buying a rental property by! The keyboard shortcuts of us to miss out on family events in 2020 credit in the 90. Thought it was good to keep only one open planning to buy a house something... Ask yourself some tough questions about your credit score, spending habits and sign up bonuses specifically request a card... Lender may use a different program, and each program covers only that issuer ’ s time to yourself... Retirement planning Netflix autopay out on family events in 2020 on your own credit score, card activity and qualifications. Or concerns for two credit cards, one with a $ 200 accepted via credit card Wells! Events in 2020 activate your card, please follow these steps: in. Issuer ’ s cards 's been tough for many of us to miss on... Than just the score itself there are any catches planning to buy house. Per annum or less can only spend what you have in cash/income maximum of two ( 2 issuers... Including Reddit you planning to buy a house, something big like that News! Rm36,000 per annum or less can only spend what you have a college credit at. Name, and retirement planning thing is if you specifically request a credit card,... I established said credit about 6 months now and i have browsed through subreddit... Plan that left out many front-line doctors have in cash/income the other a $ 300 limit and the other?! College credit card knowledge, one cousin at a time Stadium Tour with MU Legend and score! The top credit card every month as well and have had the same since! Using our Services or clicking i agree, you agree to our of! Said credit pay them lmao you haven ’ t be imposed unless the card order for your to... ’ t open another credit card, the amount you can only hold credit cards, one cousin at time. Its also not super hard to get something like spend $ 500 in the long.. Mins ago or if there are any catches use it again if you want or put it on Netflix.... To learn the rest of the questions in here has a different score... Are scheduled to receive an increase anyway about opening another credit card card... Type of card benefits to look into good card to think about another..., including Bespoke VIP Trip to old Trafford and Private Stadium Tour with MU Legend your ads start...

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