Rsmy123

107 Contributions 991 People Helped Top Contributor

Member Since: January 2014

Most Helpful Contribution

PNC Cash Rewards® Visa® Credit Card

Jan 17, 2019
Excellent Rewards Rate
Helpful to 177 out of 220 people

2% to 4% categories apply for the first $8,000 in those categories per year. For instance, you can spend up to $8,000 per year combined for the 2%, 3%,and 4% categories. After that, its 1%. Year starts when you apply until your anniversary date, and then the $8,000 resets. Plus they have deals (10% off at Chili's, 10% off at Petco, etc.) that you have to activate. So if you take advantage of the 10% off at Chili's deal, you get 10% off plus you still get the 3% off for dining. And 4% gas is hard to beat. Need to accumulate $25 in rewards in order to redeem but the $ you get with deals count towards the $25. Deal $ are paid the following month. All in all, pretty sweet.

Activity (107 Total Contributions)

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Capital One® Savor® Cash Rewards Credit Card

Aug 31, 2018
Excellent Card
Helpful to 51 out of 54 people

One thing to note. Not ALL items under the category "Entertainment" qualifies for 4%. Golf is under entertainment, but does not qualify. The businesses listed on the ad are basically the only ones qualified for 4%

Citi® Double Cash Card

Jan 14, 2018
Great card, hassle free
Helpful to 30 out of 31 people

If you use it a lot and always pay on time, they will treat you well. I converted my Thank You rewards card to this card about 2 years ago. My CL is 40k, but I've had Citi cards for 20 years. Since I spend about 2K a month, I get great customer service, never a hassle to use it, and a couple of times my account was compromised and they got me a replacement card within 24 hours. A 2% flat rewards is pretty good. You need at least $25 in rewards to redeem, but I usually get about $40 a month in rewards each month, so it's not a hassle.

Blue Cash Everyday® Card from American Express

Aug 31, 2018
Deals Are Wonderful
Helpful to 45 out of 48 people

Keep an eye on the Amex offers/deals. They can be fantastic. Got $20 off my cable bills by using the card to pay the cable bill. Got 10% off at Macy's, 10 additional % off groceries, etc. Its very hard to pull a different card when these deals apply. It's like getting an instant 10% off for paying with Amex.

Chase Freedom Unlimited®

Dec 09, 2018
Helpful to 16 out of 16 people

Same here. Credit score is 842, CL on 3 of my cards is 30k, 35k, and 40k. I have high interest rates over 20% too, but I don't care since I don't carry balances. It's the way rewards cards roll.

Blue Cash Preferred® Card from American Express

Oct 26, 2018
Helpful to 16 out of 16 people

Maybe what you aren't telling us is as you got your balance down to 8400, you ran up debt on other cards and your % utilization went way up. This could certainly trigger a credit line decrease.

Citi® Double Cash Card

Aug 21, 2018
Helpful to 16 out of 16 people

How about using rewards cards for rewards, not for financing. Get a card good for financing if you need to do that. Better yet, get a personal loan for that. Using a rewards card for financing is like driving a bus back and forth to work, and saying it gets terrible gas mileage.

Blue Cash Everyday® Card from American Express

Nov 25, 2018
Helpful to 15 out of 15 people

Yeah, sure they will. Had the card over 5 years and with the offers they have now included, the reward dollars are better than ever. So no, after 6 months they do not stop awarding dollars. Might want to check your statement and talk to customer service.

Blue Cash Everyday® Card from American Express

Nov 24, 2018
Helpful to 33 out of 36 people

It's a bad card because you were late paying. If you are 6 hours late for your flight, do not fly that airline? 6 hours late for your exam, do not attend that university? 6 hours late for a date, do not date that girl? Maybe Amex should say, do not take environmental1 as a customer.

First Progress Platinum Elite MasterCard® Secured Credit Card

Jan 16, 2018
Helpful to 12 out of 12 people

It's pretty simple. If you borrow money, you pay it back in a timely manner. If you don't, they won't lend you money. If you can't grasp that, let's try this. I want to borrow $100 from you, and I'll tell you upfront I'm not going to pay you back, because my history shows I don't pay people back generally. Now why won't you lend me the 100? Buyer beware, stay away from anonymous!

Bank of America® Cash Rewards Credit Card

Jan 14, 2019
Getting Better and Better
Helpful to 11 out of 11 people

They upgraded their rewards program. First they added coins and made it easier to track rewards. Within the last week, they now have flexible 3% categories (gas, online, restaurants, travel, etc) that can be changed at the beginning of each month. I use the card more and more now.

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