LPT Request: I’m 18 and just got a credit card. Tips? I thought it would be a good idea to get approved and start building my credit score. I did some research on good credit cards for students, and decided to go with the Chase Freedom Unlimited card. It has a $1200 limit and earns a small amount of cash back on most purchases. What are some tips to efficiently and safely build my credit? How can …

Spain’s players deserve all the credit for World Cup glory. What about Vilda? Spain showed at this World Cup that they have the quality to dominate for more than one tournament, but the friction and tension between these players and the manager needs to be resolved.

likely credit card scammer, but stripe radar says its okay There was a customer on my site that looked like a scammer(multiple failed transactions from different cards), but when he used a card that was accepted stripe radar evaluated him at a risk level of 0. I’ve had a couple customers, who had a risk level of 30 or 40, but I knew they were legit. Has anyone ever had this happen and gotten a dispute? …

The Crisis of Credit Visualized submitted by /u/Dinosaur_Act_

Started watching “From” and does the ending credit song remind anyone of Westworld? Title. The song got a Westworld vibe to it. Like a song about an old civilization happening in front of us and we are getting to see it . Anyone else feel like that? Also please no spoilers just started watching currently at episode 6. submitted by /u/Mrtom987

I was recently declined for a citi credit card because they were “unable to verify some of the information on my application”. Will my credit score take a hit? I just moved to a new address as well and used my new address on the application. I am worried to resubmit an application with the old address because I don’t want to run my credit again. Any advice on how to proceed? Should I reach out to citi to amend the application? Any advice is appreciated! submitted by /u/_Iampotat

Closing a credit card I just opened? I am 20 years old. I opened one of those crappy store credit cards out of an impulse decision. Yes, I now realize that it was probably unwise, and I should I have thought about it. I used it once for like 10$ and then paid it off. I only had it open for like 2 months and I decided that I don’t want it anymore because I don’t shop there that much…

Earn More Credit Card Points by ‘Double Dipping’ Credit card rewards programs offer a fantastic opportunity to earn points, miles, and cash back on your everyday spending. And if you’re looking to maximize your rewards, the concept of “double dipping” can be a game-changer. Double dipping involves combining various strategies and leveraging your credit card benefits… Read more…

Old Closed Account Dinged My Credit This account had been closed since years and years ago and today i suddenly got notified that I received a major derogatory mark on one of my accounts. I go check it out and I see this: https://imgur.com/a/49a1XO7 ​ Does anyone have some insight into what happened and how I can resolve this? submitted by /u/wolfiemoz

How to increase credit score So, I am fairly new to credit; I just got my first credit card early this year and with a co-signer, I was able to finance a car that I have been making monthly payments on, on time. I currently have a 712 credit score and I want to know what ways are there for me to increase my credit score. Any ideas/ suggestions? By the way, I am in my 20s, I…

My credit score is 775, why can’t I get a credit card? When I was in my early 20s my mom put me on one of her cards, so I obtained a credit score of 775 without ever using the card. Now years later, I have applied for so many cards and get denied every time. They say they will mail me a reason, but they never do. I reported 50k a year. Any ideas? submitted by /u/NorthProspect

If I pay them off every month, and am only after the perks, is there such a thing as “too many credit cards”? I currently have 2 credit cards. I always pay them off in full, every month, no exceptions. I get 1%, and 1.5%, cash back on them. I’ve had them for years, and never thought much about it. The rewards go straight into savings, and I never see it. But lately I’ve been shopping, for cards with better deals, like 2% cash back, 3x/5x points on certa…

I have 11k in credit card debt what should I do? I have 11k in credit card debt what should I do? Credit card 1: 6.9k, 29% APR interest Credit card 2: 1.5k, 27% APR interest Credit Card 3: 2k, 0% as of now Take home income after taxes: 2,800 Monthly Expenses: Car Insurance: $200 Dog food: $200 Gas for the month: $300 Phone Bill: $50 Food: $300 (have already cut this in half) Gym: $15 Adobe: …

What is the best way to pay off credit card debt? I have credit card debt (in good payment standing) and want to pay it all off, but also want to save money and improve my credit score, not hurt it as we are in the process of potentially getting a home loan. I have 6 credit cards and one personal loan. I’ve thought about consolidating debt and paying it all off at once. Is this a good idea? …

Should I Combine My Mortgage, HELOC and credit card debt into one refinance loan? I bought my house for $160k. I have $118k left on it at 4.8%. I stupidly took out a HELOC and used it previously, it’s balance now is $26k at 9.5% ( I know awful, and I am struggling paying it down due to the interest) I have about 7k in credit card debt. My credit score is 740-750. I was offered a 6.5% consolidation loan. I currently pay $1200 …

Bank is saying fraudulent credit card is mine. I notice credit card account that isn’t mine. Contact the bank and they close account after investigation 2 years later I realize the closed account is still there. Ask them to remove it from credit report. They tell me it’s been passed to collections, collections tells me it’s been passed it a law firm. Contact the law firm and explain its fr…

Does Capital One not do higher credit limits? So I have 5 credit cards. Discover It, Apple, Amex Gold, Citi Costco, and Capital One Quicksilver. All of them have a limit over $2500 except for the Capital One. That one has a $1000 limit (was previously $500). When I applied for it I was shocked by the low limit they gave me but thought nothing of it and that maybe they’re a little more caref…

Manically paid off all my credit card debt Now I’m broke. I was so eager to have an excellent credit score I would check compulsively multiple times a day. Well now I have achieved excellent credit and refinanced a loan from 18% to 11%. So good job there I guess. But Now I have a couple hundred bucks in my bank account and $5k in my growing emergency fund. I probably should have done it …

Credit card declines Has anyone noticed a significant increase in customer credit cards declining for fraud/security alerts? Our payment processor is telling us issuing banks are getting strict, which makes sense. We’ve gone from 10% new transactions declining and requiring customer to approve/contact bank to 35% past month. Anyone else seeing this? submitted by…

Is getting a personal loan to pay off credit card debt worth it? Pros and cons? Yes, I was fiscally irresponsible. I owe 25k in credit card debt due to unforeseen circumstances through my life. However, now I am making good money and have stopped using the cards. I own a house and own a car. (Which I pay off every month) The interest on the cards seems to be killing my financial situation. I know a big worry is once the deb…