Maximizing Credit Card Points Hopefully I’m in the right place! I’ve got almost 240k Amex points and nearly 100k points with Chase. I’m looking to plan a trip in 2025 with my girlfriend and would love some advice on the best way(s) to maximize my points. We’re ideally looking to go from NY to somewhere in TBD Europe (taking suggestions here too!). Thanks, in advance, for the…

Better to take 24 month no interest debt consolidation loan, or use a no interest balance transfer credit card to pay off $11,000 of credit card debt across 2 cards? I have $11,000 of debt across 2 credit cards. The interest is making it impossible to get ahead. I’m paying $250/month on each. Is it better to take out a no interest for 24 months loan or use a no interest balance transfer card? submitted by /u/ThrowRAglowinthedark

Help!! If I pay off all my debt, will my credit score get better? I’m 20 and lived alone for a bit but I struggled to pay my bills. I owe a few thousand for house bills and my phone bill together. I also owe a few thousand for ambulance bills and they are now saying basically saying I have a deadline. My dad contacted a really good tax person and he said I actually should be getting 5 thousand in my bank acco…

Good Credit and DTI is low Currently in the market for a used car. FICO score is 807. Hardly any debt besides mortgage. Current credit card debt is 500.00 and balance on mortgage is $195000. Just applied for a used car loan through one of the big banks and got turned down. Not sure what to make of it. submitted by /u/CLT2PHX

If you were going to build your credit without a credit card, how would you do it? Let’s say you are just starting out with zero credit history and that you aren’t being accepted by credit cards because of your lack of credit history OR you have some aversion to credit cards for some reason…. How would you build your credit? submitted by /u/therenaissancehuman

What would you do with no debt & good credit? So I have a credit score of over 800, and zero debt, and I finally own my house outright. I’m 42, so I’m still in the work force and have some time before the traditional retirement age. Should I buy some rental properties, or invest in the stock market, or something else? What would be my best financial strategy at this point? submitted by…

First Time Opening a Credit Card Hi, 19 year old male here. Just recently started a minimum wage job about a month ago and I’m about to start college in the Spring. I use Capital One as my bank and was wondering if anyone thinks I should open a card with them, and any advice you might have on opening a card for the first time and ways to build a good credit score early on in my…

If I get a loan to pay my Credit card, will I screw myself over?? I’m am new to all of this and struggling to comprehend some of this. So I have a credit card, and due to unforeseen circumstances and switching jobs, it’s at $8,150 (within 13 months) with a max of $9,000. APR is 15.65. I just learned about the interest charge, and it’s more than my monthly payments so I’m worried it won’t go anywhere with payin…

Mom put my name on her Capital One credit card which is now 120 days past due, I just found this on my credit report, what do I do? Hi folks, I ran a credit report and found 1 account that is 120 days past due with capital one. This is my mother’s account, she put me on it years ago to build my credit. I asked her to take me off several months ago but she did not. The debt is ~$3000. Mom has let it go 120 days past because she is planning to file bankruptcy. We didn’t realiz…

Best new credit card So I’m 20 in college and have a 670 credit score, I only have one open line of credit from a personal loan for my car. I have a 100% paying on time rate. I really want to get an actual credit card just for gas and food related things. I’d pay it off in full every month. Capital one has sent me a pre approved quick silver card with no annual fee …

Someone Stole my Credit Card and used AfterPay Last week I got an email from afterpay saying I had signed up. I assumed it was spam so ignored it for a day. Then I got a notice that an order from DSW has shipped – to my name but not my address. It had the last 4 digits of my credit card listed. I go to login to my app and I get a notification to call the company immediately because there was…

What to do with credit card debt during divorce? I’m going thru an ugly divorce and expect to receive about $500,000 within a year as my share of our assets (home and 401k’s). In the meantime, I’m on limited income and debt is piling up, to where I have over $16,000 on my credit card. I will need to give my attorney another $5k any day now, so am bumping up against my credit card limit. I’m co…

Why has my credit score lowered and now has been flat for 3 months? No longer have a mortgage, but do have a car payment. Is it due to paying off my credit card every month? December of last year I had a $250k mortgage and a credit score of 771. I’ve since sold that condo, bought a house with cash, bought a car I carefully make on time or early payments for and have been saving money and paying off my credit card every month. Now my credit score is 743. Two years ago when I was carrying a large balance on my credit …

How many credit cards is too many ? I’m all about simplicity, I know this will vary from person to person. But I’m 27, I’ve had my somewhat hand around credit card churning and then stopped using the cards, up till recently I didn’t know you could close them without issues till like 10 years later. That being said, I have 6 right now (used to have around 10/12)… I’ve never paid…

Should I get a credit limit increase Hi, I got a chase freedom unlimited about 3 months ago and it has a $1500 limit. I did this as I was interviewing for jobs after an internship (I graduated December last year) so I put down a low yearly income (10k). I got a job a week after getting the card and now make 70k. The low limit is getting annoying and I want it to be at $5000 but I’m…

When should i be paying my credit card off? I’ve Had my credit card for roughly 3 months now and i’m a full time college student and full time employee i currently have the blue cash through amex so i can build some history with them and my limit is 2,000 i only utilize roughly $200 per statement although i could afford more. Here’s a breakdown of my situation. When i get paid, $100 per p…

Credit report empty car totaled So I paid off my car 3 years ago, and have a few small credit cards. My credit score was up to 740 at least in May of this year. I noticed since then when attempting to use affirm that my $4500 limit suddenly went to 0, I had $300 out on it and was paying it off to put another balance on it. Just to find they will no longer extend me credit, res…

Unemployed, poor credit + cc debt: Should I sell my house? I am a 43 year old looking for some advice. I’ve been unemployed for three months and my savings will go 3-4 months. I collect unemployment but that runs out in January. I’m confident I will find a job in my field in the next 2-3 months, but I have a debt problem. I’ve owned a home for 6 years. The market value in my town has risen since I’ve be…

Made credit card payment that was never withdrawn and now overdue So I made a payment to my Credit Card on the 1st of this month, and it did the usual of saying it was posted and all that before withdrawing the money. The issue is it never withdrew the money from my bank account, and instead when the billing time came around on the 5th, it said my payment was now overdue and I owe two months payment now instea…

Does an HSA make sense to lower me to below 400% poverty level to cap repayment for Marketplace tax credit health insurance? So, I’m a waitress and my money fluctuates. I ended up making more money than I estimated this year, just over the 60k mark which means I’d be responsible to pay back $7k in subsidies for my insurance. Would it make sense to open an HSA(also I can pay into until April 15)? To get me under that 60k mark. I’m 55, and I’m not sure that my insurance…