| Author | Message | ||
     Truelies Side Hero Username: Truelies Post Number: 6953 Registered: 05-2012 Posted From: 69.241.20.60 Rating: N/A |
if both the cards are from two different creditors, there is no way you can consolidate. but if its same creditor, yes there are chances but doesn't work always. I did consolidated mine from Chase though. Another mis-conception to keep open the oldest card. Even if you close your oldest card, it will be still in your credit history for atleast 7 years. so it doesn't matter. | ||
| Vasista Junior Artist Username: Vasista Post Number: 150 Registered: 05-2012 Posted From: 74.93.181.49 Rating: N/A |
Not exactly true. If you have multiple cards from same card issuer, you can consolidate the credit line to one card and close the other. Not all issuers allow this, but can be done. If you have two cards (one opened 10 years ago, one opened 1 year ago); closing down the newer card actually helps. | ||
| Truelies Side Hero Username: Truelies Post Number: 6946 Registered: 05-2012 Posted From: 69.241.20.60 Rating: N/A |
not really true. its the credit-to-debit ratio that really hurts. say if you have two cards. one card 10,000 limit and another card 10,000 limit. you spent 5,000 on first card. so your credit to debit to ratio is 5000/20000 = 1/4. now assume that you closed second card. now your new ration is 5000/10000 = 1/2 which is higher than previous time because you closed one card. now this will hurt your credit score. the more c-2-d ration, the more hurt to score. if you have 10-15 cards, you close one and open another....that will really NOT hurt your score. | ||
| Gotcha Hero Username: Gotcha Post Number: 10137 Registered: 02-2008 Posted From: 99.24.239.38 Rating: N/A |
rasp ad T why r u wasting ur credit card opportunities. meeru deeni vala huge balances teesukoleru, for short term benefits. oka 100k credit line maintain chesaru anukondi, if u have a clean history u can take minimum of 70k on balance tranfer, ante oka 35lakhs wich u can invest wherever u want. ila sort term gains kosam chudakandi. This real estate is for sale. | ||
| Gotcha Hero Username: Gotcha Post Number: 10136 Registered: 02-2008 Posted From: 99.24.239.38 Rating: N/A |
i hope all u guys know that cancelling a credit card effects ur score no matter if u asked to close it or not. This real estate is for sale. | ||
| Rasputin Hero Username: Rasputin Post Number: 17386 Registered: 02-2008 Posted From: 74.133.195.175 Rating: N/A |
last year chesaaley, CA lo relatives gola, India lo parents gola, Vegas lo gambling durada, time pass ki denver ilaa chaala travelng chesaa 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
| Vasista Junior Artist Username: Vasista Post Number: 149 Registered: 05-2012 Posted From: 166.137.209.149 Rating: N/A |
Amex spg, 20k points can be transferred to 25k miles. Redemption to spg hotels gives u best bang for buck | ||
| Pulibongaram Side Hero Username: Pulibongaram Post Number: 5515 Registered: 03-2012 Posted From: 162.115.108.103 Rating: N/A |
bhayyaa gootle kochen.....nuvvu eppudu aa gurraala kottaam lo untaav kadaa.....intha traveling eppudu sesthaav? | ||
| Rasputin Hero Username: Rasputin Post Number: 17383 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
AA and US Airways merger details finalize ayithey, AA and US cards teesukundaamu anukuntunnaa one from Citi and one from Barclays. elaago rendu miles merge chesthaaru kada. So far used 60K miles for biz class one-way to India on Qatar Airways(it used to be United's partner), and 60K miles for biz class one-way from India to US on Lufthansa. Both for DW, nenu inthavaraku international segments lo biz class ekkaledu. 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
| Truelies Side Hero Username: Truelies Post Number: 6937 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
same pinch...  i started this game like couple of years back... amex platinum 100k (cancel) amex gold 50k (cancel) sapphire 100k (my daily card) united 50k continental 50k (cancel chesa) southwest 50k (cancel chesa) AA(visa & amex) 175K total most recently NFL card: 40,000 points = $400 statement credit oka domestic trip for 4 tickets on miles last summer lo ayyindi... | ||
| Rasputin Hero Username: Rasputin Post Number: 17381 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
SonyVaio, Ultimate Rewards (Saphire Preferred, Ink Bold, INk plus etc) to United/British/Korean/Southwest airlines miles transfer is one-way. so, UR->UNited transfer is OK, but you can not transfer your United miles to UR. You can also buy UR points in batches of 1000 points for $25 each (5000 points max per month) if you need a few miles urgently at the last moment. This is cheaper than buying award miles from united at 3.5 cents for each point. Gotcha, I am not entirely sure, I could be wrong. I will go back and check my credit reports. I am sure I applied for a Chase card and an Amex card on the same day. Blogosphere unna vallandaroo suggest applying for different banks on the same day. They insist that it is a single pull. One thing I did notice is, some banks prefer pulling from one particular agency (depending on the state). For eg: when I applied for a Chase card and an Amex card on the same day, Chase pull report from TransUnion and Amex pulled from Experian. Update: ee post type chesthoo choosa. I see 1 inquiry on Transunion, 1 inquiry on Experian on the same date, 0 inquiries on Equifax. 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
| Gotcha Hero Username: Gotcha Post Number: 10132 Registered: 02-2008 Posted From: 107.6.95.10 Rating: N/A |
Rasp u r wrong. If banks are different they will show as different hits. If bank is same they just show as one hit This real estate is for sale. | ||
| Sonyvaio Junior Artist Username: Sonyvaio Post Number: 574 Registered: 12-2006 Posted From: 208.242.14.200 Rating: N/A |
How does chase saphire card points work, saphire is giving me 50K points and i already have close to 90K united miles can i use my united miles to get saphire points and saphire get me whatever airline i wish to for credit? | ||
| Rasputin Hero Username: Rasputin Post Number: 17380 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
Siloan, naaku telisinantha varaku CC ki same day undaali inquiries. For example, oka saaari nenu 2 cards ki apply chesthey, okati instant approval vachindi next di pending further verification ani edo vachindi. okka CC ke apply chesi untey lite, kaani inko CC app kooda undadam valana immediate gaa bank odiki call chesi approve cheyyinchukunnaa. Lekapothey bank credit department ollu 2 or 3 days tarvatha credit pull chese vallu. BoardingArea.com lo chaala mandi bloggers andukey 3 or 4 cards ki same day apply chesthaaru. Deeniki "App-o-Rama" ani peru kooda pettukunnaaru. 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
| Siloan Legend Username: Siloan Post Number: 31588 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
for autoloans telsu kaani (14 days)....cc ki entha span lo jesina...separate qota vuntadani...till now believe sesinai... please update my excel Jai PARAKALA | ||
| Rasputin Hero Username: Rasputin Post Number: 17379 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
11 months. my credit scores (even FICO score) actually went up by a few points. Usually people apply for 2 or 3 cards at once (so that it shows up a single credit inquiry in credit reports), every 3-6 months. Naaku aa spend requirements meet avvatam kashtam kabatti I chose the ones I really need (not just for points). 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
| Siloan Legend Username: Siloan Post Number: 31587 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
ivanni entha span lo jesav ? Jai PARAKALA | ||
| Rasputin Hero Username: Rasputin Post Number: 17378 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
I was too late for that one. I got in on 50K offer for Sapphire Preferred. ee CC game only last year start chesaaanu. Sapphire Preferred - 50K United MileagePlus - 65K Freedom - 20K (I was way too late on this one) AMEX Starwood Preferred Gold - 30K AMEX Platinum - 100K 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
| Truelies Side Hero Username: Truelies Post Number: 6932 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
 sapphire 100K sign-up bonus tho theesukonna.... | ||
| Rasputin Hero Username: Rasputin Post Number: 17377 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
+1. This is my favorite credit card. I also prefer accumulating United Miles to use it on Lufthansa. EMC2, deeniki another advantage - no foreign transactions fees. BTW, monnaney Amex Platinum koodaa tosesaa. $450 annual fee, 100K points offer. First year ki chaala useful, second year ki aalochinchaali. Here is how to get max value out of it. Amex Platinum offers $200 airline credit per 'calendar' year. So, ee year ki aa credit teesukoni, next year Jan lo malli credit teesukuntey $400 total. rules prakaaram gift cards not allowed antaadu kaani, I bought $200 United gift card (valid for 5 years) and it was re-imbursed/credited in 3 days. Idi kaakunda Global Entry ki $100 application fee is also re-imbursed and credited. So $200+$200+$100 already annual fee kantey ekkuva credits vachesaayi first year ki. Add bonus MR points to it, it is totally worth it for 1 year. Frequent Flyers ki ayithey inkaa useful because it comes with Airport Lounge Access to American, Delta, US Airways and Alaskan clubs. Besides, you will get Priority Pass Select pass too for international lounge access. 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
| Truelies Side Hero Username: Truelies Post Number: 6928 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
nenu oka sari teesukonna, i think i got 100K sign-up bonus points, but i paid first year fee...and later closed the card. | ||
| Siloan Legend Username: Siloan Post Number: 31578 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
tanadhi still 2nd year.... 1st year fee waived plus 50k points anta... Jai PARAKALA | ||
| Truelies Side Hero Username: Truelies Post Number: 6927 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
if you fly every week at least 2000 miles one-way, and stay at luxurious hotels and eat at high-end restaurants, rent car every time you fly....may be YES...worth... | ||
| Siloan Legend Username: Siloan Post Number: 31577 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
aah brokka le...frequesnt traveling ki worth evry penny "anta" oka SAP traveler seppadu Jai PARAKALA | ||
| Truelies Side Hero Username: Truelies Post Number: 6926 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
$475 annual fee..  | ||
| Thelegend Moderator Username: Thelegend Post Number: 22823 Registered: 04-2008 Rating: N/A |
Penfed anukunta | ||
| Truelies Side Hero Username: Truelies Post Number: 6924 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
united airlines -> also usable on Lufthansa AA -> use directly on AA, AA flight upto delhi. if you are GC or citizen,, you can try British airways card also....you can transfer AA miles to British also. i recommend Chase Sapphire Preferred card...you can travel points to multiple airlines....or AMEX gold is also good.... | ||
| Siloan Legend Username: Siloan Post Number: 31576 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
adedo credit union card followed by amex platinum anta Jai PARAKALA | ||
| Emc2 Hero Username: Emc2 Post Number: 10535 Registered: 03-2008 Posted From: 71.246.229.243 Rating: N/A |
cheppandi,where i can use those points to all airlines plus india travel chesinappudu aa miles ela use chesukovali etc.. asalu nenu deeni meeda concentrate cheyaka chala loose avuthunna anipisthundi.. plz suggest cherapakura chedevu. |
