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全部话题 - 话题: credit
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h****s
发帖数: 16779
1
如果你觉得store卡对应的银行不好就不开,那完了,只有很少的store卡可以开了。
Banana Republic卡是Synchrony Bank发行的。
Synchrony Bank还发行有下面这些卡:
ABC Warehouse
ABT
Amazon Store Card
American Eagle Outfitters Store Card
American Signature Furniture Store Card
America’s Tire Store Card
Ariens and Gravely Get the Gear Card
Ashley Furniture Home Store
Art Van
Athleta Store Card
Banana Republic Store Card
Bargain Outlet
Belk Store Card
Bernina
Big Sandy Superstore
Bjorn’s
Bomgaars Store Card
Blain’s Farm & Fleet
CareCredit
Carpet One
CarCare... 阅读全帖
m*****a
发帖数: 2609
2
来自主题: Money版 - 图示:影响credit的几个因素
看这么多,赞一个。顺道贴一下citi identity monitor里提供的指导信息,是基于我
的情况,估计跟大多数平常人都是差不多吧:
========Positive Factors==========
Here are the top factors that raise your score:
----------------------------
You have never been late with your payments, and no collection accounts or
negative public records are listed in your credit report.
This raises your score. Any history of late payments (including missed
payments and derogatory payment statuses) is a negative factor. No reported
history of payments on any account i... 阅读全帖
g**n
发帖数: 25142
3
来自主题: Money版 - credit score扫盲篇(转载)
版上TX看看,有问题吗?
1. 谁保存我的信用记录?
在美国有三家credit bureau。它们是Equifax, Experian和TransUnion。
Equifax
P.O. Box 105873
Atlanta, GA 30348
http://www.equifax.com
(800) 685-1111
Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-2104
http://www.experian.com
(888) 397-3742
Trans Union
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
http://www.transunion.com
(800) 916-8800 or (800) 888-4213
2. 信用报告里有什么?
个人信息:
姓名、社会安全号、生日、现住址、以前的住址、雇主信息等。
信用卡、房屋贷款、分期贷款:
帐号、状态、开户日期、余额(balance)、
信用额(Credit Line or Cre... 阅读全帖
s******s
发帖数: 121
4
看到了BA卡,citi等等。可能解释了为啥今年好卡这么多。。
http://finance.yahoo.com/news/Rich-Have-We-Got-the-Credit-walls
854.html?x=0
Rich? Have We Got the Credit Card for You
Robin Sidel, On Monday June 27, 2011, 11:02 pm EDT
U.S. banks are bombarding consumers with some of the most lucrative credit-c
ard offers in years. But many of the goodies are being dangled at affluent p
eople who have plenty of plastic already.
From cash to frequent-flier miles, issuers such as Citigroup Inc., J.P. Morg
an Chase & Co. and Capital... 阅读全帖
g****n
发帖数: 2324
5
来自主题: Money版 - Top 5 Credit Score Myths
FYI, from Yahoo finance
With the arrival of the New Year, and interest rates still very attractive,
you may find yourself shopping for a new loan or applying for a new credit
card. The process will likely include coming face-to-face with your FICO
credit score — a number between 300 and 850 that determines how good of a
borrower you really are. We know that, in general, the higher your score,
the lower your interest rate may be on a loan product. But the world of
credit scoring can be quite conf... 阅读全帖
D********n
发帖数: 978
6
Dec. 15 (Bloomberg) -- Credit Agricole SA, France’s second-
largest bank by assets, will report a loss for 2011 and
eliminate 2,350 jobs at its investment-banking and consumer-
finance units as Europe’s debt crisis erodes economic growth.
Credit Agricole, based outside Paris, will book about 2.5
billion euros ($3.24 billion) in fourth-quarter writedowns on
investments, including stakes in Spain’s Bankinter SA and Banco
Espirito Santo SA of Portugal, it said in a statement yesterday.
... 阅读全帖
f**********n
发帖数: 3081
7
"backdoor number" is one that gets you past frontline CSR's directly to
Credit Analysts / Credit Departments / Account Managers / Account
Specialists (different lenders call 'em different things) - these people/
departments have decision-making abilities far beyond frontline CSR's; they
are able to take and review requests for reconsideration of denied cc apps
or CLI requests, APR reductions, etc. and implement their decisions.
Last Update: 01/26/11
AmEx Oasis Program: 888-232-3261
American Exp... 阅读全帖
f**********n
发帖数: 3081
8
"backdoor number" is one that gets you past frontline CSR's directly to
Credit Analysts / Credit Departments / Account Managers / Account
Specialists (different lenders call 'em different things) - these people/
departments have decision-making abilities far beyond frontline CSR's; they
are able to take and review requests for reconsideration of denied cc apps
or CLI requests, APR reductions, etc. and implement their decisions.
Last Update: 01/26/11
AmEx Oasis Program: 888-232-3261
American Exp... 阅读全帖
s*****i
发帖数: 5548
9
☆─────────────────────────────────────☆
dabengdou (dabengdou) 于 (Tue Jan 31 17:12:56 2012, 美东) 提到:
09年从一个apartment搬出,没有clean,也没留forwarding address,然后回国,后11
年底搬到新住址,收到罚款账单高达1000多,collector寄出,当时写如果在30还是60
天内还,是600多,当时很气愤,没有在意,丢置一边。
今年年初申请一信用卡被拒,说我credit score太低,然后据信上写出欠款,后要了
free credit report,发现果不其然,这笔帐严重影响了credit score.
今天给collector打电话,人非常mean,先问我工作地址,我没说,他说如果不说的话
就不能和apartment的负责人谈,告诉他之后,他说目前欠款涨到1300多,现在最低是
1100,我说不还,他说他给我24小时的考虑时间,过期之后,就会通知apartment说我
拒付;然后后来又变了说,决定时间改到晚上7点前,颇有恐吓的意思。我说到时再... 阅读全帖
x*******g
发帖数: 523
10
一般各人的三大信用报告上hard pull的数量不尽相同, 有时某个信用报告被hard pull
的比例原大于其他两家. 如何平衡三大信用报告上的hard pull???
抽空研究了 credit security freeze 及其对平衡三大信用局hard pull数量的作用.
总结如下:
1) security freeze的含义及其作用?
通俗地讲,"secruity freeze"是你主动给你的credit report "上锁" 以对其进行保护
. 从而, 任何第三方机构(如银行: AMEX, Chase)需要得到你的授权才能"hard pull"
你的credit report.
注1: 通过第三方(如银行)的网络链接或者邀请信申请信用卡或者贷款时,第三方并
未(以默认的方式)得到你的授权,也无法hard pull被security freeze的credit
report.
注2: sercurity freeze 无法阻止你现有信用账号的提供者(your existing creditor,
如AMEX, Chase)对你credit report进行soft pull... 阅读全帖
t*******r
发帖数: 364
11
来自主题: Quant版 - Pay with cash, debit or credit?
Pay with cash, debit or credit?
This note is from BOA website. I think it is very good, so I share them here.
Knowing which payment method to use can be difficult. These tips can help
you determine the option that best suits your needs.
With all the options for making purchases and payments, it can be difficult
to know which payment method to choose. Is there really a "best" way to pay
for things? Should some methods be avoided altogether? If you've been
pondering these questions, the followi... 阅读全帖
w******3
发帖数: 1335
12
来自主题: Money版 - 7个月credit history 贷款买房
我7个月credit history & SSN, 很幸运居然买成,最近close了,感谢mitbbs很多人的
帮助,在这里收到了很多非常非常有用的信息,分享下一些经验回馈下
首先是很幸运一拿到SSN,马上申请了3张信用卡,其中2张经过了反复纠缠,最终拿到了
买房,我的情况最大的问题就是贷款了,大部分lender遵守两房的guideline,需要2年
的credit history, 我是远远不满足的
先是联系了HSBC,他们说可以做,给我的5年ARM听起来非常好,跟很好credit的人拿到
的最好的rate差不多,这个可以查国际credit,在美国可以没有credit,但是需要10刀开
户费,primer用户,close之后可以转走,之后帐号不够10W收50每个月,当然50算到利
息里去,可以忽略不计。总共downpay需要25%+10W。
然后我给HSBC狠狠坑了两次
1. cupertino的Dea* 告诉我,25%DP必须在local存够2个月,10W不需要,我反复的确
认了这个10W,等到我存够了,贷款的人说10W也得存2个月。MD,等到花都谢了,还要
再等一次。我家里要是有... 阅读全帖
w******3
发帖数: 1335
13
来自主题: Money版 - 7个月credit history 贷款买房
我7个月credit history & SSN, 很幸运居然买成,最近close了,感谢mitbbs很多人的
帮助,在这里收到了很多非常非常有用的信息,分享下一些经验回馈下
首先是很幸运一拿到SSN,马上申请了3张信用卡,其中2张经过了反复纠缠,最终拿到了
买房,我的情况最大的问题就是贷款了,大部分lender遵守两房的guideline,需要2年
的credit history, 我是远远不满足的
先是联系了HSBC,他们说可以做,给我的5年ARM听起来非常好,跟很好credit的人拿到
的最好的rate差不多,这个可以查国际credit,在美国可以没有credit,但是需要10刀开
户费,primer用户,close之后可以转走,之后帐号不够10W收50每个月,当然50算到利
息里去,可以忽略不计。总共downpay需要25%+10W。
然后我给HSBC狠狠坑了两次
1. cupertino的Dea* 告诉我,25%DP必须在local存够2个月,10W不需要,我反复的确
认了这个10W,等到我存够了,贷款的人说10W也得存2个月。MD,等到花都谢了,还要
再等一次。我家里要是有... 阅读全帖
w******3
发帖数: 1335
14
来自主题: SanFrancisco版 - 7个月credit history 贷款买房
我7个月credit history & SSN, 很幸运居然买成,最近close了,感谢mitbbs很多人的
帮助,在这里收到了很多非常非常有用的信息,分享下一些经验回馈下
首先是很幸运一拿到SSN,马上申请了3张信用卡,其中2张经过了反复纠缠,最终拿到了
买房,我的情况最大的问题就是贷款了,大部分lender遵守两房的guideline,需要2年
的credit history, 我是远远不满足的
先是联系了HSBC,他们说可以做,给我的5年ARM听起来非常好,跟很好credit的人拿到
的最好的rate差不多,这个可以查国际credit,在美国可以没有credit,但是需要10刀开
户费,primer用户,close之后可以转走,之后帐号不够10W收50每个月,当然50算到利
息里去,可以忽略不计。总共downpay需要25%+10W。
然后我给HSBC狠狠坑了两次
1. cupertino的Dea* 告诉我,25%DP必须在local存够2个月,10W不需要,我反复的确
认了这个10W,等到我存够了,贷款的人说10W也得存2个月。MD,等到花都谢了,还要
再等一次。我家里要是有... 阅读全帖
L******g
发帖数: 1371
15
Hi XXX,
I am currently engaged on a search for a major telecom company in
China, just outside of Shanghai. If you or someone in your network
would like to learn more, please contact me.
Position: Credit Expert /Senior Credit Manager
Job Description
§ Overall successful delivery of credit risk management policy
and solutions.
§ Ability to lead and manage teams in undertaking customer and
large project risk analysis assignments
§ Establishing and monitoring of credit ratin... 阅读全帖
w*******y
发帖数: 60932
16
Credit Sesame
Managing your personal finances and credit scores means taking control of
all financial matters - including your credit and debt. At Credit Sesame, we
give you a complete picture of your credit and debt situation; we update
those monthly; and we show you ways to save money. How? Our patent-pending
financial analysis application uses your credit score and report along with
your financial profile to find personalized mortgage and refinance rates
that help you lower your monthly mortg... 阅读全帖
f*****d
发帖数: 2726
17
09年买的房子,现在可能要换工作。当时拿了$8k的tax credit,现在还差两个多月到
第三年。新的公司想我早点去,但是那样就差一个多月的时间,没有办法在现在这里注
满三年。
想问一下,是不是只要在剩下这一个月不卖房子,也不出租,就算我搬到别的地方住,
也不用退那$8k?非常感谢!
edit: 自己找到了irs官方Q&A,只要不出租,不卖掉,最后一两个月不住在买的房子这里不用退税。贴在这里,方便以后需要的xdjm。
http://www.irs.gov/newsroom/article/0,,id=206293,00.html
Q. When must I pay back the credit for the home I purchased in 2009?
A. Generally, there is no requirement to pay back the credit for a principal residence purchased in 2009 or early 2010. The obligation to repay the credit arises ... 阅读全帖
H*V
发帖数: 2770
18
online submit request $2600 increase, instantly:
Congratulations! You've been approved for a credit line increase of $2,600.
You requested a credit line increase of $2,600. Unfortunately, we were
unable to approve the full amount. This increase of $2,600 brings your new
available credit line $6,000, and your new cash line $2,500 .
You have the option to accept the $2,600 increase now, or request a higher
amount. If you choose to request the higher amount, a credit bureau report
will be requested... 阅读全帖
t******n
发帖数: 6242
19
https://www.moneypak.com/WhoAccepts.aspx
Click a category to see a list of partners that accept MoneyPak.
Prepaid Cards
Credit Cards
Affirm Credit Card
Blaze MasterCard Credit Card
Bryant State MasterCard
CorTrust Bank Credit Card
First National Credit Card
First Premier Bank Credit Card
First Savings Credit Card
Legacy Visa Credit Card
Mid America Bank & Trust Credit Card
Show MasterCard Credit Card
... 阅读全帖
t*******r
发帖数: 364
20
Thank you for your email received 04/19/15, regarding your credit card
ending in 3700. I understand your concern and it will be my pleasure to
address your question.
We need to inform you that the Bank does not determine the amount of points
to earn or lost with a late payment; this decision is made from the credit
bureaus directly and in order to obtain specific information on the credit
score, it is necessary to contact them directly.
Please note that we report to the credit bureaus each 30 da... 阅读全帖
s****i
发帖数: 51
21
来自主题: Game版 - art 's credit income decreased
bad news for credit farmer using art
WOT: want credit? go for pre tanks.
source: http://overlord-wot.blogspot.com/
The following changes relating to game economy will be applied in 7.0
updates:
- GW-Panther: credit income decreased by 10%.
- GW Tiger: credit income decreased by 20%.
- M37: credit income decreased by 30%.
- M7 Priest: credit income decreased by 8%.
- M41: credit income decreased by 3%.
- M12: credit income decreased by 10%.
- M40/43: credit income decreased by 20%.
- T92: credit ... 阅读全帖
D********n
发帖数: 978
22
年关到...
ZURICH—Credit Suisse Group, which had emerged from the crisis relatively
unscathed, disclosed plans to scale back its investment bank, squeeze more
profits from private banking and slash 3,500 jobs.
In July, Credit Suisse, Switzerland's second-largest bank after UBS AG, said
it would reverse a hiring spree of the last couple of years, when the bank
hired employees from rivals that had suffered sharply during the financial
crisis. It then announced cuts of 2,000 jobs, as the bank adjusted ... 阅读全帖
t**s
发帖数: 34
23
事情是这样的:
最近准备make人生中第一个offer. short sale.
agent帮我找个local mortgage officer提供preapproval letter.
昨天下午他电话问我几个general的问题,要我fax给他credit report.
他昨天晚上就给我发来preapproval letter,但是要我给他发去credit history,因为发
的只有score没有history.
他今天收到credit history以后说,如果我只有一年多credit history,不能qualify.又
说不熟悉我的credit report format,想run我的credit.
我当然不想给他run,而且已经拿到preapproval letter呢.
请教大家---
如果我不理他,sellter/bank拿到offer以后,有没有可能联系他?然后他给seller/bank
对我不好的feedback?因为其实他并没有真正preapprove我.
agent建议我去一家想serious贷款的银行,run一次credit,拿preapproval l... 阅读全帖
w****z
发帖数: 1167
24
我找了3个lender shop around,最后这个lender A 的lender fee比其他的少300-500,
但是credit 更高一些,打算下周去她办公室开始办手续。

今天和三个lender最后一次quote, 另外两个lender 15 year, 3.5% credit 都是$
750, 3.625% credit 可以给到$2650, lender A 给的3.5% credit 是$2250, 我当时
就定下来和A下周一办手续,因为这个差别还是很明显的,我挂电话前,让A再给我一个
3.625% 的credit 和cost,晚上看到,A给的3.625%credit只有$3000, 我以为可以给到
至少$3500以上,因为根据另外两个lender,3.625% credit 比3.5% 多了差不多$2000
,A 给的只多了$750

我不知道是不是要再和A说说提高3.625%的credit,但是又不知道怎么说,毕竟她给
的还是最高的,也没法让她去match local 别人,网上Americsave,credit 倒是给到$
4200,我可不可以让她... 阅读全帖
u******n
发帖数: 1243
25

更正:用一年半(18 months) 后,它就寄回一张(5000+一年定存利息)支票给你,
你的卡也转正成credit card(unsecured Citi card)
5000当是一年定存计利息给你,不过很低。
网上填再打印出来,打印出来再填,(Signature,打印出来再填),连5000大元check
或money order,ITIN,ID,护照,最新银行信或家庭电话信复印件寄去。获批后,有
一张表寄你的签名去。
不知道这个还行不行,如果不行,它会退回给你。
https://www.citicards.com/cards/wv/pdf/SecuredCard_pdf_App_ENG.pdf
Be aware that the app is only accepted through snail mail
•20 day grace period
•Deposit an amount, from $200 to $5,000 into a CD (Certificate of
Deposit)
•Your credit card limit... 阅读全帖
o*******y
发帖数: 1498
26
来自主题: NewJersey版 - att的手机升级要来的一些credit
发在这里攒点人品,希望对要手机升级的人有用,多少做个参考,一共获得了约300块
的credit
我两年contract满了后,本打算换verizon,但好像他家比较贵,于是还想在att,但
att要每条线36块的升级费,我一心想waive掉这个钱,于是打电话去客服去试了试。
我说要cancel,于是客服转给了cancellation部门,我说合同到期,想升级成iphone
5s,别的carrier有一些credit
里面人说,你要是和att升级的话,我给你一条线100块的credit,我心里一愣,这个钱
在客服那里是从未提及啊。
我说,好啊,那升级费能不能免,他说,这个实在不行。我心想反正这个credit已经能
cover升级费了,我说那我就升级吧,是去店里升级吗?他说,可以,你就找最近的店
就行,你的credit已经在你的账号里了。
第二天,我去店里,店小二说,账号里没看到credit,店里也没有土豪金,要我去苹果
店看看。在去苹果店的路上,我又打个电话给客服,说你们门市部没有看到我的credit
,客服说也看不到,于是转我去注销部。注销部的人听了我的情况说,哎呀,你得跟我
们这里买... 阅读全帖
Y*******m
发帖数: 744
27
Ridiculous Summer Deal MGM Properties
2 nights min
Aria $88 Night $200 Resort Credit
https://reservations.mgmmirage.com/b...er&code=MRC1RC
Bellagio $128 Night $200 Resort Credit
https://reservations.mgmmirage.com/b...er&code=MRC1RC
Excalibur $24 Night $40 Resort Credit
https://reservations.mgmmirage.com/b...er&code=MRC1RC
Luxor $32 Night $60 Resort Credit
https://reservations.mgmmirage.com/b...er&code=MRC1RC
Mandalay Bay $64 Night $150 Resort Credit
https://reservations.mgmmirage.com/b...er&co... 阅读全帖
w*******y
发帖数: 60932
28
Sprint and Samsung introduced a $50 credit for those who purchased their
Epic 4Gs after 10/31/10 to be used on the Media Hub app for movie/TV show
rentals. The Media Hub app was applied with that first OTA update.
I realize this may be old news for some (I did a search and didn't see
anything posted here though)....especiall y those who hang out at some of
the android forums but I don't. My husband hasn't been there for a while but
stumbled across a thread yesterday about those who purchased th... 阅读全帖
w*******y
发帖数: 60932
29
Just bring your number from another carrier to Sprint and activate a
smartphone, like the Samsung Epic 4G, on a new line and we'll give you a $
125 service credit. Not ready for a smartphone? We'll give you a $50 service
credit when you port your number from another carrier and activate one of
our other fabulous phones. Either way, you win.
$125 service credit per line for each smartphone
$50 service credit per line for other phones
How to get your service credit:
Transfer your eligi... 阅读全帖
F***Q
发帖数: 6599
30

http://turbotax.intuit.com/tax-tools/tax-tips/General-Tax-Tips/
"Tentative credit reduction
As a tax credit, the amount of your qualified plug-in electric drive motor
vehicle tax credit reduces your tax bill on a dollar-for-dollar basis. In
order to claim the credit, you have to have a tax liability you report on
your return. It will not increase your refund beyond what is owed. Depending
on your liability and other tax credits you take, you may not see the full
tax savings of the tentative cre... 阅读全帖
y****i
发帖数: 312
31
Found this
Obtain written permission from the person whose credit you would like to
check. It is illegal to check someone else's credit without permission.
2
Gather the necessary information. You will need his social security number,
full name, date of birth, and address. You may also need his previous
address for verification.
3
Contact the credit reporting agency that you want to use. The credit bureaus
operate independently of one another, so each report will be slightly
different. You can co... 阅读全帖
z****l
发帖数: 5282
32
☆─────────────────────────────────────☆
tempuser1 (tempuser1) 于 h 提到:
今年6月搬家,之前的apartment office 说会把cleaning的账单寄过来,结果没有收到
,也没有收到他们的任何电话通知,被他们直接pull over 到collection company上去
了,然后在申请信用卡的时候被拒才发现有这笔钱没有支付。
前两天去交了欠的钱。
已经在credit report里面出现了这个collection company的report。
然后想查询credit score,去买了equifax 的credit score,被告之没有credit score
,原因是没有信用卡,也没有任何的loan。
想问问
1. 帐已经还了,这个记录在credit report 上面会影响以后的credit score 吗?
2. 没有credit score 正常吗?
3. 现在申请不到信用卡,如何才能积累信用?
☆─────────────────────────────────────☆
tem... 阅读全帖
w*******y
发帖数: 60932
33
Amazon currently has these selected games with $10 Amazon Promotional Credit
(good toward the purchase of items shipped and sold by Amazon.com (certain
exclusions apply, including Kindle books, MP3s, Gift Cards, and video
rentals and downloads). Credit will appear at checkout.
Kinect Disneyland Adventures:
http://www.amazon.com/Kinect-Disneyland-Adventures-Xbox-360/dp/
- $49.96 + $10 Amazon Bonus Credit
Zumba Fitness 2:
http://www.amazon.com/Zumba-Fitness-2-Nintendo-Wii/dp/B0052J8GF
- $39.96... 阅读全帖
w*******y
发帖数: 60932
34
Get $15 sign-up credit, plus an extra $10 credit for emailing 5 friends (no
purchase required on their part). Bonus $10 offer ends December 6 at 6:59
PST.
Per this post, you can get $15 free credit from Lot18.com by going to the
link Link:
http://www.lot18.com/invite/222673268
This is not a personal link sign-up, but an actual credit-giving link (you
can tell because going to the link shows you will get a credit).
Using my google-foo, I was unable to find a currently active link giving
more th... 阅读全帖
w*******y
发帖数: 60932
35
Amazon has Apple iPod touch 8G (4th Generation) + $30 Amazon MP3 Credit for
$ 189.98.
Link:
http://www.amazon.com/Apple-iPod-touch-8GB-Generation/dp/B001FA
Promotional offer is valid from December 12, 2011 through December 16, 2011
at 11:59 PM PST.
To Qualify:
1. Add at least one qualifying 8GB iPod touch to your Shopping Cart and
complete the purchase. The items that qualify are 8GB iPod touch products in
the Amazon.com store that display the offer message on their product
information pages.
Up... 阅读全帖
t******g
发帖数: 1815
36
看来很多人对一些基本的税收概念都没有搞清楚,所以讨论没啥基础。先概念解释一下:
What is the Difference Between Exemptions, Deductions, and Credits?
In short, the difference between deductions, exemptions, and credits is that
deductions and exemptions both reduce your taxable income, while credits
reduce your tax.
What are the important changes for married parents with kids besides changes
in tax bracket?
1. Nearly doubles the standard deduction: The bill raises it for married
couples filing jointly to $24,000 from $12,700.
Impact for ... 阅读全帖
R**********1
发帖数: 236
37
小文一篇,供大家参考。
有很多读者问这么一个问题:我的贷款经纪人(broker)或者银行(lender)在某某利
率下给我多少多少credit,而在一个更高的利率下给我多少多少credit,我究竟应该选
择哪一个呢?
首先,要明白一个基本的规则 - 即利率越高,银行给贷款申请人的credit就越多。
让我们举例来说明,假设某贷款申请人的所申请的贷款金额是$400K,期限为30年固定
,银行在4%的利率水平下给$2,000的credit来cover closing cost;而在4.125%的利率
水平下则能够给出$5,000的credit。4%利率下每个月的月供是$1,909.66,4.125%每个
月则是$1,938.60,两者的差值是$28.94。用5000减去2000等于3000。3000除以28.94等
于103.66。也就是说,低利率的好处要在103.66个月也就是差不多9年以后才能体现出
来。如果说在9年之内,房子卖掉了或者做了一次no cost refinance的话,选择低利率
就亏了。当然,如果说高利率比低利率给的credit比较少,比如才几百块钱,那当然是
选择低利... 阅读全帖
s********a
发帖数: 328
38
来自Credit Karma。今天查的,看到小字说是来源于今天更新的数据,所以看来Credit
Score更新差不多是实时的。
1. Open Credit Card Utilization
Credit Score Weight: HIGH
Credit card utilization is defined as your total credit card balances
divided by your total credit card limits. The utilization percentage
is often correlated to your credit score.
Note: You do not have to carry a credit card balance from month to
month to show credit card utilization. Simply using your card is
enough to show activity, even if you pay the balance in full and
y****a
发帖数: 253
39
来自主题: Money版 - future credit score research tonight
sorry , cannot type Chinese.
Interesting findings.
I use amex credit secure service.
1). If I have speng more on credit card, my credit will rise a lot.
2). If I have applied more credit card, my score will rise a lot.
3). If I have opened 3 more account such as credit card account, my credit
will go higher a lot.
I applied more credit last years. yes! more hard-pulls, but my credit is
higher.
This year I apply less, my score is lower.
should i go ahead applying for 1 or 2 credit card more?
T... 阅读全帖
z*****0
发帖数: 633
40
How much does My Credit Score & Report cost?
My Credit Score & Report is a complimentary benefit offered exclusively to
American Express® Cardmembers. You pay absolutely nothing. Simply sign
up to gain access to your Credit Score and Report.
How long will I be enrolled in My Credit Score & Report?
Your enrollment in My Credit Score & Report will last 30 days. After 30 days
, you will no longer have access to your complimentary Credit Score and
Report. If you wish to continue enjoying access... 阅读全帖
w********z
发帖数: 170
41
Sony Credit Card $200 statement credit after $500 purchase
I was browsing the Sony store website and saw their offer on their visa sony
card issued by capital one. Similar deal to the Chase Freedom but the bonus
point categories aren't as great as the Freedom card. Link is
http://store.sony.com/gsi/webstor...ndingPage?
Earn points on every purchase.
Earn points towards Sony products with every Sony Card purchase.
Earn Points Fast
5x POINTS on Sony Store purchases made online or in person
3x POIN... 阅读全帖
h***8
发帖数: 398
42
https://www.chase.com/card-benefits/sapphirereserve/travel
$300 Annual Travel Credit: A statement credit will automatically be applied
to your account when your card is used for purchases in the travel category,
up to $300 in statement credits annually ("annually" means the year
beginning with your account open date through the first December statement
date of that same year, and each 12 billing cycles starting after your
December statement date through the following December statement date).
Pu... 阅读全帖
V***o
发帖数: 284
43
来自主题: Money版 - CSR 300 travel credit 的bug?
$300 Annual Travel Credit: A statement credit will automatically be applied
to your account when your card is used for purchases in the travel category,
up to $300 in statement credits annually ("annually" means the year
beginning with your account open date through the first December statement
date of that same year, and each 12 billing cycles starting after your
December statement date through the following December statement date).
Purchases are when you, or an authorized user, use a card to ... 阅读全帖
R**********1
发帖数: 236
44
小文一篇,供大家参考。
有很多读者问这么一个问题:我的贷款经纪人(broker)或者银行(lender)在某某利
率下给我多少多少credit,而在一个更高的利率下给我多少多少credit,我究竟应该选
择哪一个呢?
首先,要明白一个基本的规则 - 即利率越高,银行给贷款申请人的credit就越多。
让我们举例来说明,假设某贷款申请人的所申请的贷款金额是$400K,期限为30年固定
,银行在4%的利率水平下给$2,000的credit来cover closing cost;而在4.125%的利率
水平下则能够给出$5,000的credit。4%利率下每个月的月供是$1,909.66,4.125%每个
月则是$1,938.60,两者的差值是$28.94。用5000减去2000等于3000。3000除以28.94等
于103.66。也就是说,低利率的好处要在103.66个月也就是差不多9年以后才能体现出
来。如果说在9年之内,房子卖掉了或者做了一次no cost refinance的话,选择低利率
就亏了。当然,如果说高利率比低利率给的credit比较少,比如才几百块钱,那当然是
选择低利... 阅读全帖
R**********1
发帖数: 236
45
小文一篇,供大家参考。
有很多读者问这么一个问题:我的贷款经纪人(broker)或者银行(lender)在某某利
率下给我多少多少credit,而在一个更高的利率下给我多少多少credit,我究竟应该选
择哪一个呢?
首先,要明白一个基本的规则 - 即利率越高,银行给贷款申请人的credit就越多。
让我们举例来说明,假设某贷款申请人的所申请的贷款金额是$400K,期限为30年固定
,银行在4%的利率水平下给$2,000的credit来cover closing cost;而在4.125%的利率
水平下则能够给出$5,000的credit。4%利率下每个月的月供是$1,909.66,4.125%每个
月则是$1,938.60,两者的差值是$28.94。用5000减去2000等于3000。3000除以28.94等
于103.66。也就是说,低利率的好处要在103.66个月也就是差不多9年以后才能体现出
来。如果说在9年之内,房子卖掉了或者做了一次no cost refinance的话,选择低利率
就亏了。当然,如果说高利率比低利率给的credit比较少,比如才几百块钱,那当然是
选择低利... 阅读全帖
C******g
发帖数: 2930
46
来自主题: _Playstation3版 - 8/4 PS3 Amazon $10-$20 Video Game Credit List
* Call of Duty: Black Ops - $59.99 - $20 Credit
* Medal of Honor - $59.99 - $10 Credit
* Gran Turismo 5 - $59.99 - $10 Credit
* Madden NFL 11 - $59.99 - $20 Credit
* Mafia II - $56.99 - $10 Credit
* Assassin's Creed: Brotherhood - $59.99 - $10 Credit
* Test Drive Unlimited 2 - $49.99 - $10 Credit
* True Crime - $59.99 - $10 Credit
* Lego Star Wars III: The Clone Wars - $49.99 - $10 Credit
* LA Noire - $59.99 - $10 Credit
* Spec Ops: The Line
p*****n
发帖数: 100
47
Income received through credit and debit card transactions will be reported
to the Internal Revenue Service starting in the year 2011.
Banks and merchant services will report annual gross payments processed by
credit or debit cards to the IRS and to merchants. Credit card payments will
be reported by the merchant service using Form 1099-K with copies sent to
the business and to the IRS. I suspect the reports will likely resemble the
1099 forms that report certain types of income. The law does no... 阅读全帖
g********d
发帖数: 19244
48
求翻译

Income received through credit and debit card transactions will be reported
to the Internal Revenue Service starting in the year 2011.
Banks and merchant services will report annual gross payments processed by
credit or debit cards to the IRS and to merchants. Credit card payments will
be reported by the merchant service using Form 1099-K with copies sent to
the business and to the IRS. I suspect the reports will likely resemble the
1099 forms that report certain types of income. The law do... 阅读全帖
x*******a
发帖数: 11067
49
来自主题: Living版 - 两个月credit score 降了近60
http://money.msn.com/credit-rating/7-nasty-credit-myths-that-wi
Myth No. 2: "Checking your credit hurts your credit scores."
Fact: Checking your own credit reports and scores does not affect your
scores. Period.
A credit check could hurt you if you asked a friend at a bank or car
dealership to pull your credit reports. Such transactions probably would be
coded as "hard" inquiries, or as applications for credit, which could ding
your scores.
But checking your own credit is otherwise a non-event.
h****m
发帖数: 1490
50
来自主题: Money版 - 也说说我们的credit line历程
上回分享了我来美一年,无SSN housewife申请credit card的经历
今天来说一下credit line
今天早上到CHASE办点事 banker在登录我帐户把我的疑问弄清后,看了一下我的资料。
然后问我:你的credit line涨到了5K,你要上调吗?
我一愣,觉得自己可能听错了。他马上把屏幕转给我,屏幕上显示,preapprove
credit line $5,000.
太出乎我的意料了。我有一张chase的credit card,那种没有reward的(1K credit
line),所以我用过几次就不再用了,全去用LG的(他的的freedom credit card有
cashback)。前两天他收到了chase的信说他的信用额度涨到5K。
走出银行LG感叹到:“看来说女生的credit line比男生的高真是不假呀,你的credit
line比我跳得还快。”
我比LG晚来半年,他工作我是housewife。
他的信用额度是从500——》3500——》4000——》4500——》5000
我的信用额度是1000——》5000
其实我也不知道是啥道理,今天没在ba
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