Ligre22

326 Contributions 1,743 People Helped Top Contributor

Member Since: February 2016

Most Helpful Contribution

Citi Simplicity® Card

Apr 11, 2018
Helpful to 109 out of 122 people

Since I opened this account up in September of last year, I've been very happy with everything about this card!  0% for 21 months on purchases and balance transfers?  Check.  Reasonable starting limit ($5300)?  Check.  I see people whining about receiving low starting limits and can't do the sort of transfer they would like as a result...but they need to realize it wouldn't happen that way if they watched their utliization and kept income-to-debt under control.  The original 0% on transfers was for 4 months, but they've been extending my 0% even though I haven't really needed it.  The one time I needed to contact customer service, they were pretty easy to work with and I hung up the phone with no regrets.  A couple months ago, I applied for a limit increase, and was approved for +$1500, no questions and no inquiry.  Do the right thing and pay down your transfers little by little, while making small purchases on it when needed, and you'll be rewarded with a lasting relationship with a good strong bank!

Activity (326 Total Contributions)

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American Express® Gold Card

Oct 08, 2018
Amex, outdoing themselves once again!
Helpful to 47 out of 48 people

I've had my eyes on this card for a few years now, going back to when it was the Premier Rewards Gold Card.  Today, I finally took the plunge, and was instantly approved!  50,000 MR points and the $100 statement credit in the first 3 months for spending $500 on dining out is amazing for a sign-up bonus, IMO.  The points earning is easily the best I've ever seen for everyday spending, at 4x!  My wife and I will have no trouble earning free or discounted vacations anymore with this beast of a rewards card!  Sure, the annual fee is not waived in year 1 anymore, but the perks make up for it.  I definitely recommend this card to folks who are close to the 50k/yr. annual gross income mark or above...and very definitely recommend this to anyone who considers themselves a foodie, and loves to cook or eat out!  My cards of choice used to be the Chase Sapphire Preferred + Amex Blue Cash Preferred...but now I have THE ONE I want!  In case folks are wondering, 726 Experian, 720 Equifax and 725 Transunion FICO scores at time of application...but I'm sure they'll accept applicants with sub-700 scores.  Amex is really upping their game here...very impressed!!

American Express® Gold Card

Apr 24, 2019
Helpful to 32 out of 32 people

Come on, seriously? You're reviewing a card that you never shoulda applied for cuz you didn't realize it was a charge card...

American Express Cash Magnet® Card

Oct 21, 2018
Helpful to 25 out of 25 people

You're crazy for cancelling. 2k easily becomes 6k after 60 days of having the card. No hard inquiry either. Ya done messed up, sir.

American Express Cash Magnet® Card

Jul 27, 2018
Helpful to 22 out of 22 people

Your debt to income ratio is probably not very favorable, at least, not when you applied, that is.

IHG® Rewards Club Premier Credit Card

Jul 23, 2019
1 yr. review!
Helpful to 17 out of 17 people

Well folks, it's been a year since I got this card, and I love it so far!  I cashed in some points and my wife and I got a VERY discounted stay at Holiday Inn By the Bay in Portland, Maine!  All I had to pay was the parking fee for the hotel for a few nights, and that was it.  We got a real nice room on the top (11th) floor, the wi-fi was excellent, and the free drink amenity was worth it as well!  I've also been able to snag a great deal of bonus points for my cell phone and car insurance bills (5x for 3 months), and it also feels good to be able to score a free night anywhere in the world where there's an IHG hotel. :)  All in all, this card is well worth $89 a year and I don't plan on getting rid of, or downgrading, it.  Just awesome...thank you again, Chase!!

Citi Simplicity® Card

Apr 11, 2018
Helpful to 109 out of 122 people

Since I opened this account up in September of last year, I've been very happy with everything about this card!  0% for 21 months on purchases and balance transfers?  Check.  Reasonable starting limit ($5300)?  Check.  I see people whining about receiving low starting limits and can't do the sort of transfer they would like as a result...but they need to realize it wouldn't happen that way if they watched their utliization and kept income-to-debt under control.  The original 0% on transfers was for 4 months, but they've been extending my 0% even though I haven't really needed it.  The one time I needed to contact customer service, they were pretty easy to work with and I hung up the phone with no regrets.  A couple months ago, I applied for a limit increase, and was approved for +$1500, no questions and no inquiry.  Do the right thing and pay down your transfers little by little, while making small purchases on it when needed, and you'll be rewarded with a lasting relationship with a good strong bank!

Mastercard® Black Card™

May 17, 2018
Helpful to 32 out of 34 people

Wow, you need to chill out. Your given limit is impacted by different factors on your credit report. It doesn't matter what your score is, or what your income is. If you've opened multiple accounts recently prior to applying, Barclays can be kinda harsh in that respect. Another factor could be that your credit utilization could be higher than 25-30% or so. If that's the case, that's another risk factor that could decide a relatively low limit in comparison (to other cards from other banks). Granted, you're right about Amex and Chase...but they might look at reports/scores differently than Barclays does. As soon as you hit that Submit button, it's out of your hands. If you're gonna call recon lines looking for a higher limit, you gotta at least have the decency to act nice to the reps, or you'll get nowhere faster than Vin Diesel can hit a 1/4 mile in a 1970 Charger.

Blue Cash Preferred® Card from American Express

Sep 04, 2018
Helpful to 15 out of 15 people

It's good that you're trying to work on your credit, but...if you're only using this for emergencies, then you're using it incorrectly. As a card with an annual fee, this one is to be used regularly so as to reap as much rewards cash as possible. If your reasoning is that you want to pay it down completely first, then I understand...but otherwise, you're better off downgrading to the Blue Cash Everyday so as to not get gouged by the annual fee.

Starwood Preferred Guest® Credit Card from American Express

Jul 25, 2017
Helpful to 14 out of 14 people

Depends, ultimately, on variety of cards that you carry. Picture this...someone has the Chase Freedom card. This means that, if they're using it right, they're gaining at least 10,000 UR points every quarter. 7500 for the rotating category, and 2500 for all other spending...just a hypothetical. Then they grab the Freedom Unlimited, and those 2500 points turn into 3750. If they're a foodie like me, then quarterly, 10,750 points turn into 12,750 roughly to redeem for travel. Nevermind the amazing sign-up bonuses Chase puts on their cards, and you're looking at two free plane tickets to somewhere, or 4 nights at a 4-5 star hotel...the possibilities are limitless. If they're able to pay down their cards to 10% util. or lower, then not only will the perks add up fast, but their credit score will soar!

Chase Sapphire Reserve®

Mar 31, 2018
Helpful to 19 out of 20 people

Wow. You were approved with an 80% utilization rate? Good lord, that's insane. Congrats on the approval, but I gotta say...count your blessings on that one! :)

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