Jiri1979

13 Contributions 62 People Helped Top Contributor

Member Since: January 2013

Most Helpful Contribution

Blue Cash Everyday® Card from American Express

Sep 03, 2017
Wait for the good WELCOME BONUS
Helpful to 25 out of 30 people

I wrote the review below a couple of days ago. Let me add just a little to it.

WAIT FOR A GOOD WELCOME BONUS.

The Amex management is changing the conditions of the welcome bonus. Right now there is zero bonus. Sometimes there is "spend $1000 in 90 days and you get $100 statement credit."

I applied at the time when the bonus was "spend $500 in 90 days and you get $150 statement credit" 

Keep an eye on it and if possible go for it at the time of the sweet bonus. 

Good luck 

Activity (13 Total Contributions)

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Blue Cash Everyday® Card from American Express

Aug 31, 2017
Amazing card
Helpful to 24 out of 25 people

 Here on credit karma it showed a welcome bonus  $100 after you spend $1000 in 90 days. I got lukcy - on Amex web site it was $150 after spending $500 in 90 days. It was just a short opportunity window - next day the offer was gone. 

I was approved with my scores around 730 for only $1000 but I'm happy about it.  Online account design is user friendly - same with the phone app. 

The welcome bonus of $150 was supposed to be given  in 5-8 weeks after spending the required amount of $500.  I used the card to pay my bills , gas , grocery and in 10 days I reached $500. 

11th day - the statement credit was smiling at me ....

I have 3% cash back in supermarkets 

2%  for gas 

 1% for anything else 

This is my favorite card now........  

Should I switch Credit Repair Companies?

Nov 14, 2018
Helpful to 6 out of 6 people

What a silly story .... not a single word you are saying is truth ....

Blue Cash Everyday® Card from American Express

Sep 03, 2017
Wait for the good WELCOME BONUS
Helpful to 25 out of 30 people

I wrote the review below a couple of days ago. Let me add just a little to it.

WAIT FOR A GOOD WELCOME BONUS.

The Amex management is changing the conditions of the welcome bonus. Right now there is zero bonus. Sometimes there is "spend $1000 in 90 days and you get $100 statement credit."

I applied at the time when the bonus was "spend $500 in 90 days and you get $150 statement credit" 

Keep an eye on it and if possible go for it at the time of the sweet bonus. 

Good luck 

Walmart Credit Card

Feb 04, 2017
I don't see any problems with this card
Helpful to 1 out of 1 people

 I god this card a month ago - I was approved instantly for CL $ 2 900. At that time my credit score were here on credit karma: TU  and Equafax both a couple of points above 700 same with the Experian .  My one collection disappeared 3 months ago and same with my public record ( derogatory mark ) - gone 3 months ago from my credit score. 

Before approval I had only one secured card form Capital one and I'm signed up as an authorized user on my girlfriend's two Credit cards (only two months) - which lifted my score significantly. 

This is good card with rewards 3% 2% 1% - look at walmart site for details. 

Before you apply wait  and check what sign up bonus Walmart offers - they offer $25 $50 or $75 sign up bonus - I did not know about it and I signed up when there was ZERO bonus - only 10% off on your first purchase. But if you wait and strike at the right moment you will get $75 + 10% on your first purchase 

Managing your acc online is as any other credit card - I don't see any problem there - yes capital one or chase they simply have nicer look of the online accounts, but as I said no problem here. 

I made few purchases - I also canceled one online order - regular process - it took around 5 days to see money "back" on the acc.

So far I just made one payment – it took same time as for Capital one or Chase for payment to be posted.

We use Credit cards only for taking the advantage of the rewards programs. Don’t treat your CC as long term loan and you don’t have to care about the interest rate.

You can buy stuff online in Walmart and you can pick it up in your local store. This way it will give you reward of 3%.

So decent reward and building your credit history at the same time .

Even if this is Walmart card (master card – regular CC at the same time). Using our Chase card for online purchases in Walmart gives you better reward when you “shop through the Chase”

I don’t know how difficult it is to get approved for this card – I simply got approved in the situation I described above.

But I would say maybe Walmart is little less strict to approve you for this CC.

Good luck 

Capital One® Secured Mastercard®

Nov 23, 2016
I was approved today....
Helpful to 1 out of 1 people

My situation:  Credit score Transunion 610 Equifax 666 (scary number :) ) One collection $120 and much more mess from the past.  I applied and was approved for initial credit line $200. I had to put down $49 deposit.  If your situation is worse than mine dont hasitate to try it... For cases like yours Capital one will only ask higher deposit of  $99 or $200 to get that initial credit line. They are aware many of us screwed up... 

Wells Fargo Cash Wise Visa® Card

Sep 05, 2017
Helpful to 1 out of 1 people

I'm dealing with WF too - it is unreal. Amex and Capital one paid the welcome bonus a couple of days after I reached the required amount .....

Creditwise versus Experian

Dec 09, 2016
Helpful to 3 out of 5 people

Capital one should icrease your limit simply based on good responsible behaviour paying your secured card payments.

Whatever are your scores numbers and changes on them unless they were not cost but some negative action on your side , capital one will increase your limit. 

Scores sometimes go down or get stuck at place without obvious reason. Capital one wants you to show them you can take care of your credit card responsibly - that is the whole point of their business model. They wish you are good future client  - so they can "lend" you more and you will be using their credit card more and generating more profit for them......

how badly can an unpaid phone bill hurt your credit?

Dec 12, 2016
Helpful to 1 out of 2 people

I ended up in similar situation a couple of years ago. $120 ended up on my credit as collection. So my credit got hurt , I paid it off - finally. So collection is paid off but will be visible for few more years...... so it is not a good idea thinking that you will not pay it.  

credit score differences

Dec 07, 2016

I wrote that I have 3 different scores based on 3 different models from one Credit Agancy - I did not ask about anything - I just made a statement about it .  And you Icuhowie you are telling me that I simply got 3 different scores based on 3 different models from one Credit Agancy. 

Next time you can simply copy and paste my own words......  :) 

My CC balances goes up 400.00 and my credit karma score goes down 55 points? How does that happen?

Dec 07, 2016

Your score will go up again soon.  Simply getting higher limit on your CC could be considered as potential risk. You will prove them wrong with responsible usage and utilization of your available credit and your score will return to original level soon and will go up....

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