| Author | Message | ||
     Dma Junior Artist Username: Dma Post Number: 9 Registered: 11-2009 Posted From: 98.167.233.85 Rating: N/A |
OT Mama, More than just $50 - $100, there is more you can gain. I saw another thread where you were asking about how to get a new CC. Here is the trick. -------------------------------- Case 1: Assume you have credit limit of 8000 on card 1. and you used 7300 out of it. That is 91% load to credit ratio. -------------------------------- Case 2: Assume you have 2 cards: Card1: 8000 limit Card2: 5000 limit and distriute your 7300 on to two cards: 5000 on the first 2300 on to second. That makes it loan to credit ratio of 62% and 46% respectively. This way of having lower loan to credit ratio helps your credit rating. Once banks look at this, they will offer you more and more credit cards with 0% interest. and that saves you a lot in the long run. So, do not worry about $50 - $150 in the initial stages. -------------------------------- Trick 2: Normally, it takes min 30 days to get the info onto Credit score. So, when you apply for credit cards, apply for all of them at once. Everybody thinks that you are worth it and most of them would approve ur card. So, keep the cards and forget about applying cards for some time until the mess clears off from hyour account. -------------------------------- Trick 3: Close all cards with lower limits. DO NOT keep cards from Sears, etc... In a long run, allways keep the oldest CC with you. -------------------------------- If you follow these tricks after you get some credit history, you will be able to jump to another level. -------------------------------- Jai Pathala Bhairavi... | ||
| Dharmam Comedian Username: Dharmam Post Number: 1034 Registered: 03-2008 Posted From: 75.36.248.105 Rating: N/A |
okasari bank ki phone chesi kanu kko , cash withdral is diffrent from balance transfer Hacker Kurrollu tirugutunnaru jagaratha | ||
| Gandhiguevara Junior Artist Username: Gandhiguevara Post Number: 613 Registered: 10-2009 Posted From: 98.249.223.223 Rating: N/A |
Sigificant gap vundaali...at a time multiple cards apply sethe debbadipoddi...interms of credit limit... | ||
| Jodhaa Hero Username: Jodhaa Post Number: 11626 Registered: 02-2008 Posted From: 115.184.209.23 Rating: N/A |
Credit line increase cheyyamani adigithey history emanna debba thintadha andi? Multiple cards apply chesthey OK na? | ||
| Jodhaa Hero Username: Jodhaa Post Number: 11625 Registered: 02-2008 Posted From: 115.184.209.23 Rating: N/A |
Good job OT bro...ila kooda aalochinchi money save cheyyachu ani prove chesaavu, na lanti budhi leni vallaki idhi oka inspiration...chuss... | ||
| Mikkymouse Side Hero Username: Mikkymouse Post Number: 2596 Registered: 04-2008 Posted From: 24.255.124.153 Rating: N/A |
 Sachinou nenu adakkundane 5k echi monne nuvvu vadadam ledhu neeku CC avasaram ledanukuna ani cheppa kunda cancel chesi letter pampadu. | ||
| One Hero Username: One Post Number: 14981 Registered: 09-2008 Posted From: 76.185.86.115 Rating: N/A |
nevu ilati q aduguthavu anuko ledu mama.... http://epaper.sakshi.com/Details.aspx?id=264643&boxid=29145336 pichhiki parakasta - dhaniki jaganne Sakshi | ||
| Kamal Comedian Username: Kamal Post Number: 1634 Registered: 08-2009 Posted From: 130.36.62.142 Rating: N/A |
thx bro .. sure .. start cheyyali .. have to plan things .. enough of unplanned life anipistondi .. Ishaa Vaasyamidam sarvam, yatkincha jagatyaam jagat | Tena tyaktena bhunjeethaah maa gridhah kasyaswiddhanam || | ||
| Basky_indya Hero Username: Basky_indya Post Number: 17635 Registered: 10-2007 Posted From: 75.185.19.223 Rating: N/A |
indi lo postoofice lo recurring open cheyyi. montly defn ga save chestav. intreset also good at 7.5% Gigantic Techno fuctional Mega Blockbuster Magnum Opus BOMMA | ||
| Kamal Comedian Username: Kamal Post Number: 1633 Registered: 08-2009 Posted From: 130.36.62.142 Rating: N/A |
ee madhya financial responsibility telustondi bro nimmadi ga .. savings .. ila money considate cheyyadam alavatu chesukovali inka .. Ishaa Vaasyamidam sarvam, yatkincha jagatyaam jagat | Tena tyaktena bhunjeethaah maa gridhah kasyaswiddhanam || | ||
| Basky_indya Hero Username: Basky_indya Post Number: 17633 Registered: 10-2007 Posted From: 75.185.19.223 Rating: N/A |
recovery agencies entries unnaya neee history credit lo. Gigantic Techno fuctional Mega Blockbuster Magnum Opus BOMMA | ||
| Rasputin Moderator Username: Rasputin Post Number: 6651 Registered: 02-2008 Rating: N/A |
Kamal, naa credit limit $2000. Kaani prathi daaniki ade use chesthaa, okappudu rent kooda daanithone kattevaadini. 2 years lo ela kaadanna easy ga 25K+ points vachesthaayi. Basky, revolving balace kosam interest kattalsina avasaram ledu. Nenu credit monitoring companies lo check chesthe BOA is reporting a balance of around 300-500 in every report to the agency. But, naa monthly payments full kattesthunna. It depends on the time when the CC company reports to the monitoring company anukuntunnaa. Okappudu minimum balances kooda kattaleka recovery agency nundi phones vachevi. Tarvatha anni clear chesi, eppatikappudu full kattesthunnaa. Credit score chaalaaaa improve ayyindi. | ||
| Kamal Comedian Username: Kamal Post Number: 1625 Registered: 08-2009 Posted From: 130.36.62.142 Rating: N/A |
i agree .. deals, jobs, ippudu latest ga CC, business .. ila anni rangallo vistarinchi undi
ante every billing cycle oo range vaadi untav ga ... Ishaa Vaasyamidam sarvam, yatkincha jagatyaam jagat | Tena tyaktena bhunjeethaah maa gridhah kasyaswiddhanam || | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53617 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
balance transfer ante only balance from Other CCs anukunevannni..loans kuda transfer cheseyyocchu CC ki ani ivvale telisindhi | ||
| Basky_indya Hero Username: Basky_indya Post Number: 17626 Registered: 10-2007 Posted From: 75.185.19.223 Rating: N/A |
OT ninna nee credit score thread meedha maa postlu unnai choosava. atta koni ventane kattesthe, ur revolving balance is less. u need tomaintain revolving balance Gigantic Techno fuctional Mega Blockbuster Magnum Opus BOMMA | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53616 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
prathi bill daaanikE set chesaa....plus all my expenses i use same cc... | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53615 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
thanks evry one for ur help ninna nunchi ee CC threads padakapothe aa 5k allage unchi 8.15% kaduthu undevaanni $400 migilaayi,.....db rocks | ||
| Kamal Comedian Username: Kamal Post Number: 1623 Registered: 08-2009 Posted From: 130.36.62.142 Rating: N/A |
maha prabho .. 2000 limit tho 31,000 points ela chesaru meeru? Ishaa Vaasyamidam sarvam, yatkincha jagatyaam jagat | Tena tyaktena bhunjeethaah maa gridhah kasyaswiddhanam || | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53614 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
kiki nenu rendu sarlu chinna amounts cash chesa...ipppudu inkaa 31,000 points unnaayi ..35k aihte 350 vosthaayi | ||
| Kamal Comedian Username: Kamal Post Number: 1621 Registered: 08-2009 Posted From: 130.36.62.142 Rating: N/A |
naaku chaala takkuva unnayi bro .. may be 6000-7000 range lo unnayi anukunta .. nenu BofA ekkuva use cheyyanu .. so ekkuva points accumulate avvavu Ishaa Vaasyamidam sarvam, yatkincha jagatyaam jagat | Tena tyaktena bhunjeethaah maa gridhah kasyaswiddhanam || | ||
| Rasputin Moderator Username: Rasputin Post Number: 6649 Registered: 02-2008 Rating: N/A |
Kamal, world points avvakapovadam emiti? Naaku 40k plus points padi unte 2 years gaa, andulo 35k points ki $350 check teesukunna. | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53612 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
ante thru some banking/financial institute only aa check encash ki raavala ? mana account lo manam esukunte oppukoda ? check pampisthanu ante maname encash seyyochemo anukunnaa | ||
| Uppu Junior Artist Username: Uppu Post Number: 897 Registered: 11-2007 Posted From: 206.16.32.135 Rating: N/A |
Adi payment ga kakunada cash ga mariste adi balance transfer kindaki radu | ||
| Kamal Comedian Username: Kamal Post Number: 1617 Registered: 08-2009 Posted From: 130.36.62.142 Rating: N/A |
I think BofA vadi criteria to increase limit is the age of the account anukunta .. rather than credit scores .. actual ga naa salary account kooda BofA ne .. aina enduko penchi chaavadu .. alage 15% APR .. oka tokkalo world points ani evo pedatadu .. avi eppatiki avvavu .. Citi rocks .. call chesi matladithe APR taggistadu  ee sari Citi apply chesko .. BofA vadu 5000 isthe .. Citi vadu minimum 10,000 istad Ishaa Vaasyamidam sarvam, yatkincha jagatyaam jagat | Tena tyaktena bhunjeethaah maa gridhah kasyaswiddhanam || | ||
| Pulpfiction Side Hero Username: Pulpfiction Post Number: 8513 Registered: 02-2009 Posted From: 171.68.91.235 Rating: N/A |
<610  Attitude determines Altitude. | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53611 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
naadhi same case 3 years nunchi 500->1000->1500->2000 chesaadu ippatiki BOA.. last one yr nunchi penchale.......kaani ippudu new card adaggane 5k ichaadu additionally....pay back timely for few more months inka penchutaa annaadu | ||
| Kamal Comedian Username: Kamal Post Number: 1616 Registered: 08-2009 Posted From: 130.36.62.142 Rating: N/A |
BofA vadu howla gaadu .. edo first vachina card kada ani alosistunna close seyyadaniki .. 3 years lo $500 limit nunchi $1500 ki vachadu anthe .. ade vaadi taravata start sesina Citi vaadu .. 3000 ki start sesi 8000 sesadu .. BofA is waste yaa .. appu ivvadam lo citi mundu odipoyindi Ishaa Vaasyamidam sarvam, yatkincha jagatyaam jagat | Tena tyaktena bhunjeethaah maa gridhah kasyaswiddhanam || | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53610 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
particular reputed institution ani cheppakundaa some xyz FCU ani cheppandi mee balance transfer cheyyalsindhi....then vaadu direct deposit cheyyakunda cash kosam check isthaadu trasfer feee lekundaa FREEE ga 5K cash chetilo pedutunnaru ABSOLUTELY FREE FOR 7 months india lo vaddi ki tippukovachu andaru try cheyyandi BOA customers...ask for Mercedez VISA Card | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53609 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
emo vaadu naku link pampaadu 0$ annual fee if u see it now 90$ undhi https://www5.bankofamerica.com/credit-cards/marketingdetail. action?context_id=marketing_detail&offer_id=ECOMM0901BBX0040 6800121996EN000&requestTimeout=120 | ||
| Maverick Hero Username: Maverick Post Number: 11017 Registered: 01-2008 Posted From: 24.1.171.91 Rating: N/A |
 link lo ekkada? 10k post : why do u want to do pmp? | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53608 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
Mav, Mercedez-Benz visa card adhi https://www5.bankofamerica.com/creditcards/application/proce ss.action Unadvertised katthi kamaan offer....$90 annual fee unde.....adhi kuda WAIVE | ||
| Maverick Hero Username: Maverick Post Number: 11016 Registered: 01-2008 Posted From: 24.1.171.91 Rating: N/A |
orni..veedu usual ga oppukodu..good 10k post : why do u want to do pmp? | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53607 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
kummisyoooooooooooo $0 Balance Transfer fee 0% APR for 7 months $5,000 approved Bank Of America  | ||
| Scallion Side Hero Username: Scallion Post Number: 2235 Registered: 05-2009 Posted From: 65.217.188.20 Rating: N/A |
Dont ask for a increase in limit and 0% apr on existing card...... Apply for a new card with BOA....you can apply for multiple cards from the same bank.. Jai NTR, Jai Jai TDP | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53595 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
nenu bofa ne from 3.5 years...nakenduku penchatledhu aadu ? just 2k tho aapadu...limit cross chesthe auto increase chesthunnadu... however new CC ki aithe 0% apr untundhi emo gani....ee existing vallaki iyyademo...let me call and see | ||
| Mrhyderabad Side Hero Username: Mrhyderabad Post Number: 4003 Registered: 01-2008 Posted From: 167.230.38.120 Rating: N/A |
BofA try cheyyi mama.. credit limit chaala ekkuva isthadu relatively. And he keeps increasing it automatically every 3-6 months based on your repayment history. nenu 5K tho open chesaa 2-3 years ago. Now the limit is 30K. vaade increase chesaadu over the time. If god doesn't like the way I live, let him tell me, not you | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53594 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
sare first apply chesindhi discover gaadiki now i will try with another one....suggest one vaadi offer kudaa soosi edhi better aithe adhi okati teesukuntaa...howzittu ? now tell inkoti evadiki apply seyyanu ? | ||
| Linkmaster Hero Username: Linkmaster Post Number: 10659 Registered: 02-2008 Posted From: 12.34.246.72 Rating: N/A |
kummu OT, KUMMU... credit caards meeda entha iste antha teesukoni invest cheyandi..... nenu chesina porapaatu enti ante, credi cards meeda teesi car loan katta.. ala cheya vaddu evaru kudaaa... adi kudaa alage run avaneeyandi.. at the same time cards kattaleni antha gaa broke kavaddu Success is measured in terms of you being happy and making ur people happy. | ||
| Methhanithodugu Comedian Username: Methhanithodugu Post Number: 1314 Registered: 12-2008 Posted From: 59.93.72.125 Rating: N/A |
ok $6O is also gud bedar ? waaadiki edunku fud edathaavu??? Methhani-thodugu- SOFTWARE "A great leader's courage to fulfill his vision comes from passion,not positionâ | ||
| Methhanithodugu Comedian Username: Methhanithodugu Post Number: 1313 Registered: 12-2008 Posted From: 59.93.72.125 Rating: N/A |
$85 aa  Methhani-thodugu- SOFTWARE "A great leader's courage to fulfill his vision comes from passion,not positionâ | ||
| Scallion Side Hero Username: Scallion Post Number: 2233 Registered: 05-2009 Posted From: 65.217.188.20 Rating: N/A |
KIKIKI........mallokasari calculate cheyi... Jai NTR, Jai Jai TDP | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53592 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
looks like it is somewhere around $60 hmm....3% transfer fee or no transfer fee aithe teesukunta lekapothe D antaanu | ||
| Jalsa Side Hero Username: Jalsa Post Number: 8290 Registered: 02-2008 Posted From: 159.53.78.143 Rating: N/A |
Scallion bedar mail for you. | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53591 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
meeku dannam edathaa..
mallokasari soosi seppandi...185 aithe hippude call chesi...indaka voddhu annaanu...adhi malli kaavali antaa | ||
| Scallion Side Hero Username: Scallion Post Number: 2232 Registered: 05-2009 Posted From: 65.217.188.20 Rating: N/A |
Malloka sari check cheyi annai.. Jai NTR, Jai Jai TDP | ||
| Methhanithodugu Comedian Username: Methhanithodugu Post Number: 1310 Registered: 12-2008 Posted From: 59.93.72.125 Rating: N/A |
kistudu baaddakistudu anna ranta OT  1. first daaantlo you are paying $594 per Annum 2. $46OO remains @ $ 374 Per Annum 3. $27OO ki $22O @ 8.15 % Vs $27OO at $135 antey you save $185 Avasaramaaa Leda ???? Methhani-thodugu- SOFTWARE "A great leader's courage to fulfill his vision comes from passion,not positionâ | ||
| Basky_indya Hero Username: Basky_indya Post Number: 17618 Registered: 10-2007 Posted From: 208.11.223.20 Rating: N/A |
OT. check yesterday night threads. financial gurunchi reply iccham. Gigantic Techno fuctional Mega Blockbuster Magnum Opus BOMMA | ||
| Scallion Side Hero Username: Scallion Post Number: 2231 Registered: 05-2009 Posted From: 65.217.188.20 Rating: N/A |
Lock chesuko.. but the condition is if you have 8.15% even on your new card after the promotion.. Jai NTR, Jai Jai TDP | ||
| Kamal Comedian Username: Kamal Post Number: 1587 Registered: 08-2009 Posted From: 130.36.62.141 Rating: N/A |
ramzan, christmas leda ugadi Ishaa Vaasyamidam sarvam, yatkincha jagatyaam jagat | Tena tyaktena bhunjeethaah maa gridhah kasyaswiddhanam || | ||
| Arjun1234 Comedian Username: Arjun1234 Post Number: 1928 Registered: 09-2008 Posted From: 198.241.217.15 Rating: N/A |
ya only if u clear it by the end of 0%... | ||
| Uppu Junior Artist Username: Uppu Post Number: 891 Registered: 11-2007 Posted From: 206.16.32.135 Rating: N/A |
With current card you will interest 191 for 2700 so saving $56 | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53590 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
antha kuda ledemo .... | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53589 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
abbooo mari antha amount em jesukuntaam mastaaru | ||
| Mikkymouse Side Hero Username: Mikkymouse Post Number: 2594 Registered: 04-2008 Posted From: 216.111.115.2 Rating: N/A |
BTW thread title marchu. Nenu enka ededo GOV meedha/Gali/YSJ lant valla medha thread anukoni endhukule anukunna. Oo look eddam ani vacha. Nalanti vallu unte thread loki raremo. | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53588 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
new cc approval pending stage lonenaa ? | ||
| Kamal Comedian Username: Kamal Post Number: 1585 Registered: 08-2009 Posted From: 130.36.62.141 Rating: N/A |
oka $20 migultayi anukunta edadi ki Ishaa Vaasyamidam sarvam, yatkincha jagatyaam jagat | Tena tyaktena bhunjeethaah maa gridhah kasyaswiddhanam || | ||
| Scallion Side Hero Username: Scallion Post Number: 2230 Registered: 05-2009 Posted From: 65.217.188.20 Rating: N/A |
Motham transaction lo neku migiledi $ 85 Jai NTR, Jai Jai TDP | ||
| Mikkymouse Side Hero Username: Mikkymouse Post Number: 2593 Registered: 04-2008 Posted From: 216.111.115.2 Rating: N/A |
Naku telisi $135 fee ante waste. Aa 8.15% APR ee better. | ||
| Mrhyderabad Side Hero Username: Mrhyderabad Post Number: 4001 Registered: 01-2008 Posted From: 167.230.38.120 Rating: N/A |
you can talk them into waiving it off... i did it many times. Tell them you would go with other bank if they don't waive it off. If god doesn't like the way I live, let him tell me, not you | ||
| Cinejeevi Side Hero Username: Cinejeevi Post Number: 3794 Registered: 01-2008 Posted From: 65.244.125.146 Rating: N/A |
akasam erra gaa undi avunu adi vidrohula raktam valana sanivaram madhyannam 2.45 ade mall, ade place..vachcei vachchei holiday season lo ekkuva mandu kottakandi | ||
| Onlytruth Legend Username: Onlytruth Post Number: 53587 Registered: 01-2007 Posted From: 173.62.3.86 Rating: N/A |
loan A : 7300 undhi (8.15% interest rate) New Credit card , with balance (7,300) transfer apply chesa to clear off loan A (balance transfer 0% APR for 12 months , 5% transfer fee) ee CC gaadu 3,000 ki matrame approve chesadu...out of that 2,700 balance transfer limit annaadu.....transaction fee $135 teesesukoni aa 2,700 katteyyanaa towards loan A ? ala chesthe entha migulutundhi naaku ? deducting 135 ? chittu burra ki padunu pettaniki baddhakam, daani kanna thread eyyadam veasy....masters evarainaa unte calculation esi pedataadu ani esaa......tittakunda seppandi |
