Posted by: sherlock July 22, 2012
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I do have a sound knowledge about credit scores (and I don't mean to brag) so increasing credit scores or maintaining it is the least of my concerns.
For those who have AMEX, I think two downsides of owning the card are 1. Annual fee and 2. AMEX (along with Discover) not being used as widely as Visa or Mastercard.
I also received an offer from AMEX for some sort of rewards program but it didn't sound too lucrative.
BT, If I were you, I'd definitely talk to BOA and ask them if they've got some promotions going on. Those who've got decent credit scores shouldn't be swiping credit cards that offers no returns (like points, miles, cash back et al). My BOA card offers me 1 point/ buck spent and so far, I've reached 50k points that I could redeem for $500 bucks.
I reckon you've been here for longer than I have, Stupida. I'm yet to come across anyone (a Nepali) who's got such credit line in his CC but then again, I don't go around asking people's credit lines.
For those who have AMEX, I think two downsides of owning the card are 1. Annual fee and 2. AMEX (along with Discover) not being used as widely as Visa or Mastercard.
I also received an offer from AMEX for some sort of rewards program but it didn't sound too lucrative.
BT, If I were you, I'd definitely talk to BOA and ask them if they've got some promotions going on. Those who've got decent credit scores shouldn't be swiping credit cards that offers no returns (like points, miles, cash back et al). My BOA card offers me 1 point/ buck spent and so far, I've reached 50k points that I could redeem for $500 bucks.
I reckon you've been here for longer than I have, Stupida. I'm yet to come across anyone (a Nepali) who's got such credit line in his CC but then again, I don't go around asking people's credit lines.