ctcushing

12 Contributions 166 People Helped Top Contributor

Member Since: January 2010

Most Helpful Contribution

Is it better to pay off a credit card every month or make payments toward the balance every month?

Mar 30, 2012
Helpful to 66 out of 69 people

...unless you acknowlege the debt in some way like making a payment (however small) on it.  Then the statute of limitations clock is reset.  This is what they are trying to trick you into doing.

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Is it better to pay off a credit card every month or make payments toward the balance every month?

Mar 30, 2012
Helpful to 66 out of 69 people

...unless you acknowlege the debt in some way like making a payment (however small) on it.  Then the statute of limitations clock is reset.  This is what they are trying to trick you into doing.

American Express Serve®

Sep 26, 2013
Helpful to 24 out of 25 people

It's simply a pre-paid debit card (as advertised.)  Not a secured credit card.

Is it better to pay off a credit card every month or make payments toward the balance every month?

Mar 30, 2012
Helpful to 50 out of 55 people

That is correct.  I do the same.

Trends by Domain

Apr 25, 2012
Helpful to 13 out of 14 people

Interesting, but useful?  Pretty tricky determining cause and effect.  I've heard that card issuers mine their internal data to draw correlations between where customers shop and their overall credit worthiness.  So if I happen to frequent a store where many deadbeats also happen to go then they view me as suspect even if my credit is superb and payment history is flawless.

Silly in my opinion, yet they hire rooms full of analysts to do this type of work.

Can I file a civil suit against my ex for purposely paying mortgage slow to affect my credit?

Jan 02, 2015
Helpful to 2 out of 2 people

Short answer is yes because you can sue anyone at anytime. But if you want to know whether you have a good case you should talk to an attorney.

Not sure what the terms of your divorce were, but you should not have allowed your name to still be on the mortgage.

This a common problem and your lawyer should have steered you clear of it. Divorce 101: Nothing stays in your name no matter what.

Trends by Domain

May 09, 2014
Helpful to 5 out of 7 people

I agree.  It's ludicrous how they try to correlate ridiculous random data points inferring some type of cause and effect.

American Express used to also judge it's new card holders by where they instigated their first charge.  If it coded as a bar then that was a flag.  If it was for coffee at Starbucks that was a plus.

Silly.

problems accessing reasons american express denied credit card application

Apr 26, 2012
Helpful to 1 out of 1 people

I had no such problems and was approved, but I do know that Amex only uses Experian reports, not TransUnion.  I would pull my free annual credit report from Experian and check it.

my name emeric i made tree aplication for credi card chase a american express and denided

Apr 26, 2012
Helpful to 1 out of 1 people

You should check your Experian report.  It is the only one Amex checks and reports to.  There could be negative items there that do not show up at TransUnion.

I have had an American Express card for 10 years. Now platinum. How do I get it listed?

Apr 26, 2012
Helpful to 1 out of 1 people

Also, Amex appears to only report to Experian (somewhat annoying).  Check your Experian report and you will probably find it listed.  Because Credit Karma is based solely on TransUnion, it will never show up (even if you have an Amex revolving credit card).

So American Express does not show up on Credit Karma?

Apr 26, 2012
Helpful to 1 out of 1 people

Forgot to add, this is an Amex revolving card, the Blue Cash Preferred and not the regular Amex charge card.  I also pulled all of my credit reports from the 3 bureaus and it does show up with Experian which I assume is the only one they report to and/or check.

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