jesterx626 asked:


I was looking at airline miles credit cards, and this one has no annual fee. It says the card and the rewards program is fee-free. From their main website: “0.00% Introductory APR (0.0000% DPR) for Purchases for your first 6 months of Cardmembership. Then, a variable APR of 13.24% (0.0363% DPR);15.24% (0.0418% DPR); or 18.24% (0.0500% DPR), depending on our review of your application and credit history.”

Unlimited Travel Choices, Zero Travel Restrictions, Any airline, No blackout dates, Any hotel, No seat restrictions, Any cruise, No Saturday overnight stay requirements, Any car rental, No advance purchase requirements, Any travel package.

How good does this card sound as a airline miles credit card? Any reviews on this card? Basically I just like the idea of spending money on the expenses I usually buy while earning points towards a airplane ticket.
Reply: Hm, how much credit would I need to get that card? So far I went through 3 billing cycles with capital one and paid them all in full each time, and I plan to pay it all off in full for every cycle and any credit card.

Erik

Diana asked:


I am currently 25 years old with one major credit card that I have held for nearly 10 years. I carry a few store credit cards as well. I pay all of my credit card bills on time, in full, never carrying any outstanding balances on any cards. All car payments paid on time, no student loans left…I recently checked my credit score for mortgage purposes and it was mid 600s. I was also denied a major credit card application based on my current score. What can I do to improve my FICO score??
I am currently 25 years old with one major credit card that I have held for nearly 10 years. I carry a few store credit cards as well. I pay all of my credit card bills on time, in full, never carrying any outstanding balances on any cards. All car payments paid on time, no student loans left…I recently checked my credit score for mortgage purposes and it was mid 600s. I was also denied a major credit card application based on my current score. What can I do to improve my FICO score??

In reply to comments – score pulled by bank for mortgage purposes, showed scores from all 3 major agencies. Read through the credit report fully, no red flags. I can’t figure out what pushed it down unless perhaps I just haven’t built it up enough?
Also, no changes in my credit limit.

Herbert

naderbd asked:


Hi , i have a credit card issued by (Washington Mutual bank) from almost 3 years ago..and i added my wife as an authorized user immidiately after i received the card…after one year Citi bank sent us two new credit cards cause the old one has been expired so i knew that Washington mutual bank credit card belongs to citi bank..the question is , my wife has received an offer from citi bank from one week ago for applying for a credit card with good benefits..so can my wife apply for this card or her application will be denied ? as she has a credit card with citi bank as an authorized user so it will be concidered to have 2 credit cards accounts from the same bank if her request will be accepted (one account as an authorized user in Washigton mutual bank which related to City bank and the second one is the new offer ) ???..

your prompt reply is highly appreciated….

Viola