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June 24, 2010
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frugalista:
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un minuto #dealchat |
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frugalista:
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Hello, Everyone and welcome to this week's #dealchat ! I'm so excited to chat about credit cards! :) |
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12:01 am
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SmartysWorld:
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Join us for #dealchat with @frugalista. Be there or be broke! |
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12:01 am
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frugalista:
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Debt can be kind of awful and most of us have credit cards, so let's find out how best to manage them! #dealchat |
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12:01 am
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marthaayoung:
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@frugalista You're welcome! Big fan of @cardanalysis! Looking forward to #dealchat. |
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12:02 am
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frugalista:
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And we have Ondine Irving of @cardanalysis who is often mentioned/featured by Suze Orman and knows all about credit cards #dealchat |
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12:03 am
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frugalista:
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Rules of engagement: Please use the #dealchat hashtag so we can follow along with your questions. |
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12:03 am
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DrensBspot:
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RT @frugalista: Debt can be kind of awful and most of us have credit cards, so let's find out how best to manage them! #dealchat |
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12:03 am
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frugalista:
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And, have fun! xoxo #dealchat |
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12:03 am
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CardAnalysis:
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Hi everyone!! #dealchat |
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12:03 am
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stillkickinru:
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RT @CardAnalysis: Just about time 4 @Frugalista #dealchat at 8 p.m. est. Chatting credit cards w/ @cardanalysis & @ericajsandberg as guests |
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12:03 am
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SmartysWorld:
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RT @frugalista: Rules of engagement: Please use the #dealchat hashtag so we can follow along with your questions. |
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12:03 am
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frugalista:
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Q1: What is the best way to get a decent rate on a credit card? #dealchat |
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12:04 am
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Chai_Tee:
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#dealchat! RT @frugalista: We have 2 very special, high-end guests @ericajsandberg who writes the Opening Credits column for Creditcards.com |
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12:04 am
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frugalista:
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@fhxoxo We are starting now. Use the #dealchat hashtag in your tweets so we can follow along! |
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12:04 am
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JummyWTKR:
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@dealchat heyy yall #dealchat |
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12:04 am
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nickimayonews:
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Real MONEY talk...JOIN the Twitter #dealchat RIGHT NOW. most of us have credit cards, so let's find out how best to manage them! #dealchat |
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12:04 am
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CardAnalysis:
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I am a big fan of credit union credit cards which often have a lower combination of rates and fees- good fico scores also help #dealchat |
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12:05 am
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CardAnalysis:
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Beyond the rates, consumers really need to pay attention to the "hidden fees" most credit cards carry- #dealchat |
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12:05 am
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frugalista:
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RT @CardAnalysis: I am a big fan of credit union credit cards which often have a lower combination of rates and fees- good fico scores also help #dealchat |
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12:05 am
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frugalista:
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@CardAnalysis What are the hidden fees? #dealchat |
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12:05 am
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SmartysWorld:
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@CardAnalysis In the event that you don't have a good FICO score, is there hope for a good rate? #dealchat |
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12:06 am
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CardAnalysis:
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In addition, you need to determine what type of user you are- pay in full each month or carry a balance? #dealchat |
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12:06 am
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JummyWTKR:
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@CardAnalysis my card is thru my bank. is that ok?? #dealchat |
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12:06 am
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frugalista:
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RT @CardAnalysis: In addition, you need to determine what type of user you are- pay in full each month or carry a balance? #dealchat |
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12:07 am
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EricaJSandberg:
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the best APR is 0 and the best way to get is 0 debt #dealchat |
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12:07 am
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SmartysWorld:
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RT @CardAnalysis: Beyond the rates, consumers really need to pay attention to the "hidden fees" most credit cards carry- #dealchat |
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12:07 am
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EricaJSandberg:
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I Like CU cards too, but my fav is AMEX #dealchat |
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12:07 am
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Zavee:
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What should consumers think about before registering a credit card with an ecommerce or #socialshopping site? #dealchat |
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12:08 am
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chips99:
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RT @CardAnalysis: I am a big fan of credit union credit cards which often have a lower combination of rates and fees- good fico scores also help #dealchat |
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12:08 am
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SmartysWorld:
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RT @EricaJSandberg: the best APR is 0 and the best way to get is 0 debt #dealchat |
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12:09 am
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SmartysWorld:
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Aye, we're talking credit cards in #dealchat. Join us! |
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12:09 am
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frugalista:
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Q2: If you are a person who carries a little debt, what is the best kind of card for you? #dealchat? |
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12:09 am
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CardAnalysis:
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@JummyWTKR Bank cards can be attractive sometimes with rates- but pull out the terms and really read the fees that are charged #dealchat |
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12:09 am
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EricaJSandberg:
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I hate the myth that carrying a balance is helpful to a FICO score #dealchat |
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12:09 am
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marthaayoung:
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As seen on @SuzeOrmanShow, chat NOW with @CardAnalysis about credit cards and credit unions on #dealchat. 8 p.m. EST! |
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12:09 am
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frugalista:
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@EricaJSandberg Why do you like AMEX over credit union cards? #dealchat |
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12:10 am
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jillianwv:
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Starting an account at a Credit Union can B easy and cost as little as 50 bucks and then U R eligible 4 CC and all benefits right?#dealchat |
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12:10 am
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EricaJSandberg:
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@frugalista the kind with the lowest credit line - so you don't go crazy #dealchat |
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12:10 am
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nickimayonews:
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RT @EricaJSandberg: I hate the myth that carrying a balance is helpful to a FICO score #dealchat |
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12:10 am
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CardAnalysis:
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To check out fair and ethical credit union credit cards, visit CreditCardConnection.org #dealchat |
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12:10 am
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sparklyhero:
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Peeping into #dealchat |
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12:11 am
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frugalista:
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@sparklyhero Welcome! #dealchat |
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12:11 am
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chips99:
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Great site folks!!! RT @CardAnalysis: To check out fair and ethical credit union credit cards, visit CreditCardConnection.org #dealchat |
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12:11 am
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frugalista:
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RT @CardAnalysis: To check out fair and ethical credit union credit cards, visit CreditCardConnection.org #dealchat |
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12:11 am
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marthaayoung:
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RT @CardAnalysis
To check out fair and ethical credit union credit cards, visit CreditCardConnection.org #dealchat |
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12:11 am
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CardAnalysis:
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If you have a low FICO Score, it is nice to know Federally Chartered Credit Unions cannot charge more than 18% on credit cards #dealchat |
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12:11 am
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EricaJSandberg:
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@frugalista AMEX cust service is the best and I like that you have to pay it off ASAP #dealchat |
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12:11 am
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frugalista:
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@CardAnalysis @EricaJSandberg Why do you like AMEX over credit union cards? #dealchat |
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12:11 am
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nickimayonews:
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Is that true??? RT EricaJSandberg I hate the myth that carrying a balance is helpful to a FICO score #dealchat |
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12:12 am
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frugalista:
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RT @CardAnalysis: If you have a low FICO Score, it is nice to know Federally Chartered Credit Unions cannot charge more than 18% on credit cards #dealchat |
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12:12 am
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EricaJSandberg:
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gonna have to plug creditcards.com! fantastic site #dealchat |
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12:12 am
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JuneMo41:
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RT @CardAnalysis: To check out fair and ethical credit union credit cards, visit CreditCardConnection.org #dealchat |
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12:12 am
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frugalista:
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I have a credit union card and it's the friendliest. It gives me the lowest rate. I was once late with a payment and they CALLED! #dealchat |
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12:12 am
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CardAnalysis:
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AMEX is a great card option, but is often limited to those with strong FICO scores- for those with balances, I prefer CU Cards #dealchat |
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12:12 am
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frugalista:
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My credit union card didn't even charge me a late fee. #dealchat |
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12:13 am
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frugalista:
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@EricaJSandberg What can you get at creditcards.com ? How is it different than bankrate.com? #dealchat |
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12:13 am
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EricaJSandberg:
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@nickimayonews yes, I talk a lot to the credit bureaus and they all dispute it #dealchat |
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12:13 am
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frugalista:
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@CardAnalysis Good info! #dealchat |
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12:13 am
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CardAnalysis:
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I would like to warn consumers to watch out for minimum finance charge fees and balance transfer fees- check your terms! #dealchat |
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12:13 am
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JuneMo41:
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Good evening everyone at #dealchat I see Miss Natalie's got a good discussion as usual :) |
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12:14 am
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fhxoxo:
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how can we maintain a good credit rating despite having a bad payment history with another bank/credit card issuer? #dealchat |
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12:14 am
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frugalista:
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Ok, so if you have meticulous credit AMEX is a good option, but if you carry a balance, credit unions are a viable option. #dealchat |
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12:14 am
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fhxoxo:
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RT @Recessionista: just saying I like AMEX because there are no fees #dealchat |
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12:14 am
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Recessionista:
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RT @EricaJSandberg: @frugalista AMEX cust service is the best and I like that you have to pay it off ASAP #dealchat |
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12:14 am
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EricaJSandberg:
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@frugalista it's similar, but my column is on it :) and the articles are the BEST #dealchat |
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12:14 am
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CardAnalysis:
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I also visit CreditCards.com- it is a great industry resource- I use it for news, rate updates, etc. #dealchat |
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12:14 am
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frugalista:
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@JuneMo41 Chello! Girl, you get the perfect attendance award! #dealchat xo! |
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12:14 am
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JuneMo41:
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RT @CardAnalysis: If you have a low FICO Score, it is nice to know Federally Chartered Credit Unions cannot charge more than 18% on credit cards #dealchat |
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12:15 am
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frugalista:
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RT @fhxoxo: how can we maintain a good credit rating despite having a bad payment history with another bank/credit card issuer? #dealchat |
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12:15 am
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Recessionista:
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RT @CardAnalysis: I would like to warn consumers to watch out for minimum finance charge fees and balance transfer fees- check your terms! #dealchat |
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12:15 am
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CardAnalysis:
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Not ALL Credit Union Card programs are good- some are owned by banks- so do your research- #dealchat |
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12:15 am
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JummyWTKR:
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@CardAnalysis if you paid your credit card off, do you still get charged #dealchat |
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12:16 am
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frugalista:
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@CardAnalysis How can you do your research? Can we check your site? #dealchat |
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12:16 am
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bhellabell:
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RT @frugalista: Ok, so if you have meticulous credit AMEX is a good option, but if you carry a balance, credit unions are a viable option. #dealchat |
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12:16 am
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Recessionista:
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Just joined tonight's #dealchat on Credit Cards, interesting discussion with @frugalista @CardAnalysis |
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12:16 am
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MilaXX:
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@frugalista Here's my 1 & only tip: Was laid off, so I split pymts. 1 UE chk pay min +$5, 2nd UE make same pymt. paid off 3 cards #dealchat |
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12:16 am
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Zavee:
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If you pay off the full balance AMEX is great, but a few bank card issuers like customers who pay in full bc of cross-sell opptys. #dealchat |
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12:16 am
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CardAnalysis:
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There is a misnomer that Credit Union cards do not have reward programs- that is ALL wrong- there are travel rewards and cash back #dealchat |
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12:16 am
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fhxoxo:
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RT @frugalista: Ok, so if you have meticulous credit AMEX is a good option, but if you carry a balance, credit unions are a viable option. #dealchat |
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12:16 am
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abluetango:
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RT @frugalista: Ok, so if you have meticulous credit AMEX is a good option, but if you carry a balance, credit unions are a viable option. #dealchat |
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12:17 am
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jillianwv:
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RT @CardAnalysis: To check out fair and ethical credit union credit cards, visit CreditCardConnection.org #dealchat |
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12:17 am
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EricaJSandberg:
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my best tip is to maintain contact with your issuer. call call call #dealchat |
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12:18 am
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frugalista:
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RT @CardAnalysis: There is a misnomer that Credit Union cards do not have reward programs- that is ALL wrong- there are travel rewards and cash back #dealchat |
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12:18 am
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Recessionista:
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RT @CardAnalysis: To check out fair and ethical credit union credit cards, visit CreditCardConnection.org #dealchat |
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12:18 am
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Zavee:
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RT @EricaJSandberg: my best tip is to maintain contact with your issuer. call call call #dealchat |
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12:18 am
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CardAnalysis:
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I encourage everyone to check their card statements or go online to view the details of your card agreement- use your highliter! #dealchat |
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12:18 am
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SmartysWorld:
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RT @CardAnalysis: Not ALL Credit Union Card programs are good- some are owned by banks- so do your research- #dealchat |
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12:19 am
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frugalista:
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RT @CardAnalysis: I encourage everyone to check their card statements or go online to view the details of your card agreement- use your highliter! #dealchat |
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12:19 am
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CardAnalysis:
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On the homepage of CreditCardConnection.org there is a DETENTION list of unfair cards with links directly to their terms #dealchat |
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12:19 am
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JuneMo41:
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#dealchat I have learned so much about credit unions that I was not too sure on before thank you all:) |
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12:19 am
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frugalista:
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How can I get a good rate on a card? Can I negotiate with my card holder? Should I check creditcards.com? #dealchat |
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12:19 am
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Recessionista:
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@CardAnalysis Is the print small on purpose on the card agreement :)? #dealchat |
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12:19 am
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EricaJSandberg:
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@fhxoxo get back on track by paying on time - 6 on time payments should make a difference #dealchat |
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12:19 am
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JuneMo41:
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RT @CardAnalysis: There is a misnomer that Credit Union cards do not have reward programs- that is ALL wrong- there are travel rewards and cash back #dealchat |
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12:19 am
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frugalista:
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@CardAnalysis I'm so glad you brought up that not all credit unions are created equal. I thought they were all the nice guys! #dealchat |
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12:20 am
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elizabethu:
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"Fair and ethical" still doesn't say anything re values behind the lending practices, even at Credit Unions http://bit.ly/d2taY1 #dealchat |
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12:20 am
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JuneMo41:
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RT @CardAnalysis: On the homepage of CreditCardConnection.org there is a DETENTION list of unfair cards with links directly to their terms #dealchat |
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12:20 am
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frugalista:
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RT @CardAnalysis: On the homepage of CreditCardConnection.org there is a DETENTION list of unfair cards with links directly to their terms #dealchat |
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12:20 am
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CardAnalysis:
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SOme offenders include Chase, Bank of America, Wells Fargo and stay away from STORE/RETAIL Cards- #dealchat |
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12:20 am
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EricaJSandberg:
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@frugalista start with your current issuer and ask them. they don't want to lose bus. #dealchat |
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12:20 am
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frugalista:
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RT @TeritaTweets: @frugalista #dealchat amex keeps you honest. I don't use that card unless my life depends on it |
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12:20 am
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frugalista:
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RT @EricaJSandberg: @fhxoxo get back on track by paying on time - 6 on time payments should make a difference #dealchat |
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12:20 am
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nickimayonews:
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credit card experts, I have absolutely NO credit cards (only a bank debit card). is that good or bad? #dealchat |
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12:21 am
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CardAnalysis:
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@Recessionista Oh yes, they know all the tricks- just take the time to look at yours- especially under the FEE section #dealchat |
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12:22 am
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CardAnalysis:
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I will stress that not all credit unions or their card programs are created equal- MOST credit unions are outstanding! #dealchat |
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12:22 am
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MilaXX:
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I saw on @Todayshow that your balance shouldn't be more than 1/4 of your limit, is this true? #dealchat |
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12:22 am
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frugalista:
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Ok, if you want a lower rate, ask your credit card issuer for one, says @ericajsandberg You are business for them! #dealchat |
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12:22 am
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EricaJSandberg:
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@TeritaTweets there's always a an annual fee though - that's the down side #dealchat |
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12:22 am
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glossmenagerie:
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@frugalista That's true!! I asked my CC company and they cut my APR almost in half just because I asked. #dealchat |
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12:22 am
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SmartysWorld:
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RT @frugalista: Ok, if you want a lower rate, ask your credit card issuer for one, says @ericajsandberg You are business for them! #dealchat |
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12:23 am
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fhxoxo:
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many issuers DO have reward programs & discounts @ different merchants. it's worth to find out which one offers the best. #dealchat |
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12:23 am
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EricaJSandberg:
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@nickimayonews if you want a good score you'll need to charge #dealchat |
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12:23 am
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CardAnalysis:
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@nickimayonews It all depends if you have a credit history and FICO score- if you do, great! #dealchat |
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12:23 am
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fhxoxo:
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RT @EricaJSandberg: @fhxoxo get back on track by paying on time - 6 on time payments should make a difference #dealchat |
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12:23 am
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msjetsetter:
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@frugalista Most will lower your rate if you've never been late if they refuse, tell them you'll go elsewhere, you're worth it #dealchat |
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12:23 am
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KeepingItRich:
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@frugalista @fhxoxo u must pay off that bad debit to build good credit, or wait 7 yrs for it to disappear. I reco paying it off #dealchat |
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12:23 am
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Recessionista:
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@CardAnalysis Interesting on the detention list , so what banks have the best credit card practices for consumers? #dealchat |
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12:24 am
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frugalista:
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RT @msjetsetter: @frugalista Most will lower your rate if you've never been late if they refuse, tell them you'll go elsewhere, you're worth it #dealchat |
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12:24 am
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fhxoxo:
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RT @KeepingItRich: @frugalista @fhxoxo u must pay off that bad debit to build good credit, or wait 7 yrs for it to disappear. I reco paying it off #dealchat |
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12:24 am
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frugalista:
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RT @glossmenagerie: @frugalista That's true!! I asked my CC company and they cut my APR almost in half just because I asked. #dealchat |
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12:24 am
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EricaJSandberg:
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@MilaXX should be MAX 40# of limit (0 is still ideal tho) #dealchat |
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12:24 am
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frugalista:
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RT @KeepingItRich: @frugalista @fhxoxo u must pay off that bad debit to build good credit, or wait 7 yrs for it to disappear. I reco paying it off #dealchat |
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12:24 am
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KeepingItRich:
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I'm trying to get in on #dealchat but I'm at hibachi dinner w fam. Need to pay check. Holla at u later. Wed specials for everyone :) |
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12:24 am
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fhxoxo:
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debit cards: are they good or bad? #dealchat |
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12:25 am
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frugalista:
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Welcome @keepingitrich to the #dealchat She does personal finance writing ! Yay! |
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12:26 am
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EricaJSandberg:
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@glossmenagerie awesome - that's what I mean by calling - it works #dealchat |
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12:26 am
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frugalista:
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@msjetsetter AMEX is the traveler's card, right? #dealchat |
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12:26 am
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jmbogash:
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D@frugalista #dealchat vry intrsting 2nite...I wrk 4 mjr luxry retailer & thr might B a topic relative 2 ths evg's from its P.O.V. let U no |
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12:27 am
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msjetsetter:
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@frugalista AMEX has flexible payment options, so it would work for the no balance carrying and the small balance person. #dealchat |
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12:27 am
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EricaJSandberg:
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@fhxoxo love them but they don't affect a score. keeps spening in line though #dealchat |
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12:27 am
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WHWRocks:
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RT @CardAnalysis: I encourage everyone to check their card statements or go online to view the details of your card agreement- use your highliter! #dealchat |
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12:27 am
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CardAnalysis:
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Look out for penalty rates- will you credit card rate increase if you pay late? Some bank cards can be up to 30% #dealchat |
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12:27 am
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ceeshan:
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I refrain from applying for high interest store credit cards. All you need is one low interest card from a bank or credit union. #dealchat |
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12:27 am
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Courtney_EL:
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Aadvantage rewards card. Good for travel. Horrible rate. I don't carry a balance anymore #dealchat |
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12:28 am
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fhxoxo:
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RT @CardAnalysis: Look out for penalty rates- will you credit card rate increase if you pay late? Some bank cards can be up to 30% #dealchat |
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12:28 am
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abluetango:
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RT @CardAnalysis: Look out for penalty rates- will you credit card rate increase if you pay late? Some bank cards can be up to 30% #dealchat |
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12:28 am
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nickimayonews:
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@CardAnalysis and @EricaJSandberg thanks. I already did my credit in the post college years. so I paid it all off and cut it off. #DEALCHAT |
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12:28 am
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KeepingItRich:
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I want 2 know this. RT @frugalista: Q3: What should consumers think about before registering a credit card with an ecommerce site? #dealchat |
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12:28 am
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CardAnalysis:
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@Courtney_EL That's great!! If you pay your balance in full each month- go for the rewards cards!!! Watch annual fee- #dealchat |
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12:28 am
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EricaJSandberg:
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@ceeshan Agree! #dealchat |
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12:28 am
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msjetsetter:
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@frugalista Most def! I feel safer using it and worry less about fraud. Just about everywhere accepts AMEX and they had RS service #dealchat |
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12:28 am
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frugalista:
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I got offered 20 percent off a purchase to use a store credit card and I still said no. I hate store credit cards. #dealchat #frugalista |
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12:29 am
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Zavee:
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RT @KeepingItRich: RT @frugalista: Q3: What should consumers think about before registering a credit card with an ecommerce site? #dealchat |
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12:29 am
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frugalista:
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@CardAnalysis @EricaJSandberg Is it bad or good to register your card with ecommerce sites? #dealchat |
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12:29 am
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CardAnalysis:
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Retail Store Cards are the worst- unless you KNOW you will pay off- high fees and high interest! Don't fall for the bait! #dealchat |
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12:30 am
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Recessionista:
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@frugalista Agree on the store credit cards, u always pay more in fees later than the discount they give 4 you to join #dealchat #frugalista |
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12:30 am
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EricaJSandberg:
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A credit line is like a delicious cake in the kitchen...so tempting #dealchat |
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12:30 am
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frugalista:
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RT @CardAnalysis: Retail Store Cards are the worst- unless you KNOW you will pay off- high fees and high interest! Don't fall for the bait! #dealchat |
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12:30 am
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fhxoxo:
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RT @Recessionista: @frugalista Agree on the store credit cards, u always pay more in fees later than the discount they give 4 you to join #dealchat #frugalista |
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12:30 am
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abluetango:
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RT @Recessionista: @frugalista Agree on the store credit cards, u always pay more in fees later than the discount they give 4 you to join #dealchat #frugalista |
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12:31 am
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abluetango:
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RT @CardAnalysis: Retail Store Cards are the worst- unless you KNOW you will pay off- high fees and high interest! Don't fall for the bait! #dealchat |
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12:32 am
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nickimayonews:
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I refuse to do store credit cards. they are too addictive. it encourages impulse buys. #dealchat |
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12:32 am
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msjetsetter:
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@frugalista I hv store cds. I use Neiman Marcus card often because they don't accept Visa or Mastercard n I don't carry cash. LOL #dealchat |
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12:33 am
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JuneMo41:
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RT @nickimayonews: I refuse to do store credit cards. they are too addictive. it encourages impulse buys. #dealchat |
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12:33 am
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Zavee:
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Different sites do it differently. We don't collect full card data and don't keep any unencrypted data, plus we use Verisign. #dealchat |
|
12:33 am
|
CardAnalysis:
|
Effective August 22, 2010- a late payment can not exceed $25 or the minimum payment due on your credit card #dealchat |
|
12:33 am
|
frugalista:
|
@msjetsetter It all depends on your discipline. I am not that good! #dealchat |
|
12:33 am
|
JuneMo41:
|
Good night all and thanks for a great #dealchat |
|
12:33 am
|
frugalista:
|
@Zavee That's good to know. I just worry about fraud, you know? #dealchat |
|
12:33 am
|
CardAnalysis:
|
The banks will no longer be able to charge you a $39 late fee if your minimum payment is say only $25 #dealchat coming August 22nd |
|
12:34 am
|
joeleck:
|
RT @CardAnalysis: Effective August 22, 2010- a late payment can not exceed $25 or the minimum payment due on your credit card #dealchat |
|
12:34 am
|
frugalista:
|
@Zavee I shop online quite a bit. The good thing is that credit card companies will often take off erroneous charges. #dealchat |
|
12:34 am
|
fhxoxo:
|
care to elaborate on that? #dealchat RT @thlai: @fhxoxo bad! Debit are like trash! |
|
12:34 am
|
frugalista:
|
RT @CardAnalysis: Effective August 22, 2010- a late payment can not exceed $25 or the minimum payment due on your credit card #dealchat |
|
12:34 am
|
Recessionista:
|
@msjetsetter At least Nelmans offers rewards points on their card, right? #dealchat |
|
12:34 am
|
CardAnalysis:
|
In addition, credit card issuers- banks or credit unions- will not be able to charge inactivity fees (another word for ANNUAL fee) #dealchat |
|
12:34 am
|
frugalista:
|
@JuneMo41 Thanks for stopping by! #dealchat |
|
12:35 am
|
frugalista:
|
RT @CardAnalysis: In addition, credit card issuers- banks or credit unions- will not be able to charge inactivity fees (another word for ANNUAL fee) #dealchat |
|
12:35 am
|
EricaJSandberg:
|
Re registering on ecommerce, I wouldnt. type new info rather than saving #dealchat |
|
12:35 am
|
Zavee:
|
@frugalista Don't blame you. That's why we collect the min data we need for our platform. No one can steal what we don't have #dealchat |
|
12:35 am
|
frugalista:
|
. @cardanalysis is bringing up the next regulations on the credit card industry starting on Aug. 22. Good for consumers. #dealchat |
|
12:36 am
|
Recessionista:
|
GOOD! RT@CardAnalysis Credit card issuers- banks or credit unions- will not be able to charge inactivity fees (aka ANNUAL fee) #dealchat |
|
12:36 am
|
msjetsetter:
|
@Recessionista Yes ma'am! And the Last Call Outlet offers 5% discount when you shop. I use my card then write a check as a payment #dealchat |
|
12:36 am
|
frugalista:
|
I did a blog post about the new changes http://www.thefrugalista.com/2010/06/credit-card-reforms/ #dealchat |
|
12:36 am
|
SmartysWorld:
|
RT @frugalista: @cardanalysis is bringing up the next regulations on the credit card industry starting on 8/22 Good for consumers. #dealchat |
|
12:36 am
|
Courtney_EL:
|
@CardAnalysis $50 fee:-( I would cancel but it's my oldest active acct. #dealchat |
|
12:37 am
|
frugalista:
|
@Zavee I'm going to have to check you guys out, now! #dealchat |
|
12:37 am
|
CardAnalysis:
|
These new regs effective August 22 will be GREAT for consumers- most credit unions already comply- #dealchat |
|
12:37 am
|
fhxoxo:
|
card issuers who charge annual fees despite not using those cards: keep it or ditch it? other than paying for unwanted fees, why? #dealchat |
|
12:37 am
|
frugalista:
|
@ericajsandberg and @cardanalysis What do you think about the new credit card reforms? #dealchat |
|
12:38 am
|
Zavee:
|
@frugalista Please do, and DM me if you'd like to talk. #dealchat |
|
12:38 am
|
Recessionista:
|
@msjetsetter Yes, I am a fan of the rewards, redid my kitchen with them, travel +more! #dealchat |
|
12:38 am
|
joeleck:
|
@CardAnalysis lovinggggg this #dealchat !!! |
|
12:38 am
|
SpoiledLAGirls:
|
Interesting! RT @Recessionista: Just joined tonight's #dealchat on Credit Cards, interesting discussion with @frugalista @CardAnalysis |
|
12:38 am
|
frugalista:
|
@jmbogash Girl, use the #dealchat hashtag! Join the fray! |
|
12:38 am
|
Recessionista:
|
@msjetsetter I have featured the Membership Rewards on my blog #dealchat |
|
12:38 am
|
CardAnalysis:
|
If anyone has additional credit card or credit union related questions after #dealchat, feel free to tweet me! ;-) |
|
12:39 am
|
frugalista:
|
@joeleck Welcome to the #dealchat pahh-tayy! xo! |
|
12:39 am
|
ceeshan:
|
RT @frugalista: I got offered 20 percent off a purchase to use a store credit card and I still said no. I hate store credit cards. #dealchat |
|
12:39 am
|
frugalista:
|
RT @CardAnalysis: If anyone has additional credit card or credit union related questions after #dealchat, feel free to tweet me! ;-) |
|
12:39 am
|
SmartysWorld:
|
RT @CardAnalysis: If anyone has additional credit card or credit union related questions after #dealchat, feel free to tweet me! ;-) |
|
12:39 am
|
CardAnalysis:
|
In credit union world, the CARD Act and newer reforms taking place in August- most credit unions never abused in the first place #dealchat |
|
12:40 am
|
frugalista:
|
What are the ranges of APRs that a person should have. If I have good or bad credit, what rate should I be able to nab? #dealchat |
|
12:40 am
|
EricaJSandberg:
|
@frugalista I am pleased with the reformes, esp the way they have to explain pay off time! #dealchat |
|
12:40 am
|
frugalista:
|
@CardAnalysis My credit union treated me like a queen. I had a 2.99 percent APR for the life of the balance! :) #dealchat |
|
12:40 am
|
fhxoxo:
|
fyi @thlai my debit card has 0.3% cashback and the card is free. although it debits directly from my bank account. =( #dealchat |
|
12:41 am
|
joeleck:
|
Chat with @CardAnalysis about credit cards and Credit Unions! #dealchat |
|
12:41 am
|
CardAnalysis:
|
@ceeshan I hate store credit cards too!! ;-))) Bad news!!! #dealchat |
|
12:41 am
|
Chai_Tee:
|
RT @CardAnalysis: @ceeshan I hate store credit cards too!! ;-))) Bad news!!! #dealchat |
|
12:42 am
|
SmartysWorld:
|
@DeeJettsetter10 Nah, just general questions, sweetie. You don't give out any of your info. #dealchat |
|
12:42 am
|
CardAnalysis:
|
Most credit union cards start at a low of 8% and never exceed 18%- and most are FIXED rates- not variable- #dealchat |
|
12:42 am
|
CardAnalysis:
|
RT @frugalista: @CardAnalysis My credit union treated me like a queen. I had a 2.99 percent APR for the life of the balance! :) #dealchat |
|
12:42 am
|
frugalista:
|
RT @CardAnalysis: Most credit union cards start at a low of 8% and never exceed 18%- and most are FIXED rates- not variable- #dealchat |
|
12:43 am
|
Recessionista:
|
On the Aug Credit Card reforms RT @frugalista I am pleased with the reforms, esp the way they have to explain pay off time! #dealchat |
|
12:43 am
|
dawngartin:
|
Is it wrong to accept the deal, take the store card and then cancel right after you pay? I really like the extra savings. #dealchat |
|
12:43 am
|
SmartysWorld:
|
RT @CardAnalysis: Most credit union cards start at a low of 8% and never exceed 18%- and most are FIXED rates- not variable- #dealchat |
|
12:43 am
|
CardAnalysis:
|
@joeleck Hi Joe!!!! ;-)))) #dealchat |
|
12:43 am
|
EricaJSandberg:
|
@frugalista good under 9%, bad over 20% #dealchat |
|
12:43 am
|
frugalista:
|
@CardAnalysis Do you know what the bank rates average? #dealchat |
|
12:43 am
|
jmbogash:
|
#dealchat RT @jmbogash: @CardAnalysis @frugalista if you treat store card as AMEX (pay off 100%), U can reap steep discounts - responsibly |
|
12:44 am
|
frugalista:
|
@dawngartin I don't think it's wrong, if you are disciplined. I just don't want people in my SSN like that. LOL .#dealchat |
|
12:44 am
|
SandydeMarchena:
|
RT @CardAnalysis: I am a big fan of credit union credit cards which often have a lower combination of rates and fees- good fico scores also help #dealchat |
|
12:44 am
|
SandydeMarchena:
|
RT @CardAnalysis: Beyond the rates, consumers really need to pay attention to the "hidden fees" most credit cards carry- #dealchat |
|
12:44 am
|
EricaJSandberg:
|
@frugalista right now about 11% #dealchat |
|
12:44 am
|
frugalista:
|
RT @EricaJSandberg: @frugalista good under 9%, bad over 20% #dealchat |
|
12:44 am
|
SandydeMarchena:
|
RT @CardAnalysis: In addition, you need to determine what type of user you are- pay in full each month or carry a balance? #dealchat |
|
12:44 am
|
CardAnalysis:
|
For those who missed- there are 895 Credit Union Card options at CreditCardConnection.org- all prescreened as FAIR to consumer #dealchat |
|
12:45 am
|
SandydeMarchena:
|
RT @CardAnalysis: To check out fair and ethical credit union credit cards, visit CreditCardConnection.org #dealchat |
|
12:45 am
|
thecakerobot:
|
RT @EricaJSandberg A credit line is like a delicious cake in the kitchen...so tempting #dealchat |
|
12:45 am
|
fhxoxo:
|
between variable/floating and fixed % rates, which one is better, especially when the economy is shaky? #dealchat |
|
12:45 am
|
jmbogash:
|
#dealchat @frugalista hwvr, U could have also paid your bill at register 4 YR purchases, 20% less, lving store with NOTHING OWED |
|
12:45 am
|
SandydeMarchena:
|
RT @CardAnalysis: If you have a low FICO Score, it is nice to know Federally Chartered Credit Unions cannot charge more than 18% on credit cards #dealchat |
|
12:45 am
|
SandydeMarchena:
|
RT @CardAnalysis: AMEX is a great card option, but is often limited to those with strong FICO scores- for those with balances, I prefer CU Cards #dealchat |
|
12:45 am
|
SandydeMarchena:
|
RT @CardAnalysis: I would like to warn consumers to watch out for minimum finance charge fees and balance transfer fees- check your terms! #dealchat |
|
12:45 am
|
Recessionista:
|
True, it's about discipline #dealchat RT @jmbogash: @CardAnalysis @frugalista if you treat store card as AMEX (pay off 100%), reap discounts |
|
12:45 am
|
SandydeMarchena:
|
RT @CardAnalysis: I also visit CreditCards.com- it is a great industry resource- I use it for news, rate updates, etc. #dealchat |
|
12:45 am
|
SandydeMarchena:
|
RT @CardAnalysis: Not ALL Credit Union Card programs are good- some are owned by banks- so do your research- #dealchat |
|
12:46 am
|
SandydeMarchena:
|
RT @CardAnalysis: There is a misnomer that Credit Union cards do not have reward programs- that is ALL wrong- there are travel rewards and cash back #dealchat |
|
12:46 am
|
EricaJSandberg:
|
@fhxoxo fixed is best but even that isnt guaranteed #dealchat |
|
12:46 am
|
CardAnalysis:
|
@frugalista The latest av bank card rate I saw at bankrate is 14%- Variable and for VERY GOOD Credit- Credit Unions beat that! #dealchat |
|
12:46 am
|
SandydeMarchena:
|
RT @CardAnalysis: I encourage everyone to check their card statements or go online to view the details of your card agreement- use your highliter! #dealchat |
|
12:46 am
|
frugalista:
|
Good question, @fhxoxo ! #dealchat. I'm into fixed rates. Anyone else? Fixed or variable rate cards? |
|
12:46 am
|
SandydeMarchena:
|
RT @CardAnalysis: On the homepage of CreditCardConnection.org there is a DETENTION list of unfair cards with links directly to their terms #dealchat |
|
12:46 am
|
joeleck:
|
@CardAnalysis Hi Ondine :) I'm really lovin' this #dealchat I'm streaming it on tweetdeck. Is tonight the first night? |
|
12:46 am
|
frugalista:
|
RT @CardAnalysis: @frugalista The latest av bank card rate I saw at bankrate is 14%- Variable and for VERY GOOD Credit- Credit Unions beat that! #dealchat |
|
12:47 am
|
SandydeMarchena:
|
RT @CardAnalysis: I will stress that not all credit unions or their card programs are created equal- MOST credit unions are outstanding! #dealchat |
|
12:47 am
|
vulcansdaughter:
|
RT @CardAnalysis: Most credit union cards start at a low of 8% and never exceed 18%- and most are FIXED rates- not variable- #dealchat |
|
12:47 am
|
ceeshan:
|
Yes.. RT @CardAnalysis: @ceeshan I hate store credit cards too!! ;-))) Bad news!!! #dealchat |
|
12:47 am
|
CardAnalysis:
|
@dawngartin It can affect your credit score to open and close- be careful with that game- if you open, keep it open and don't use #dealchat |
|
12:47 am
|
fhxoxo:
|
RT @EricaJSandberg: @fhxoxo fixed is best but even that isnt guaranteed #dealchat |
|
12:47 am
|
SandydeMarchena:
|
RT @CardAnalysis: Look out for penalty rates- will you credit card rate increase if you pay late? Some bank cards can be up to 30% #dealchat |
|
12:48 am
|
SandydeMarchena:
|
RT @CardAnalysis: Retail Store Cards are the worst- unless you KNOW you will pay off- high fees and high interest! Don't fall for the bait! #dealchat |
|
12:48 am
|
CardAnalysis:
|
Banks play game of luring you in with low intro rates, most often variable- then you need to KNOW YOUR FEES!!! #dealchat |
|
12:48 am
|
frugalista:
|
@joeleck I host #dealchat every week at 8 p.m. est on Twitter. @cardanalysis is my awesome guest this week. We chat about all topics. |
|
12:48 am
|
frugalista:
|
RT @CardAnalysis: @dawngartin It can affect your credit score to open and close- be careful with that game- if you open, keep it open and don't use #dealchat |
|
12:48 am
|
SandydeMarchena:
|
RT @CardAnalysis: Effective August 22, 2010- a late payment can not exceed $25 or the minimum payment due on your credit card #dealchat |
|
12:49 am
|
SandydeMarchena:
|
RT @CardAnalysis: The banks will no longer be able to charge you a $39 late fee if your minimum payment is say only $25 #dealchat coming August 22nd |
|
12:49 am
|
frugalista:
|
Does anyone like Discover? Just curious? LOL #dealchat |
|
12:49 am
|
CardAnalysis:
|
Balance transfer fees can be killers- 4%-5%- transferring a $5000 balance to get intro rate could cost you $200-$250 immediately #dealchat |
|
12:49 am
|
SandydeMarchena:
|
RT @CardAnalysis: In addition, credit card issuers- banks or credit unions- will not be able to charge inactivity fees (another word for ANNUAL fee) #dealchat |
|
12:49 am
|
frugalista:
|
RT @CardAnalysis: Banks play game of luring you in with low intro rates, most often variable- then you need to KNOW YOUR FEES!!! #dealchat |
|
12:49 am
|
thuggieboi1:
|
RT @CardAnalysis: I encourage everyone to check their card statements or go online to view the details of your card agreement- use your highliter! #dealchat |
|
12:50 am
|
SandydeMarchena:
|
RT @CardAnalysis: These new regs effective August 22 will be GREAT for consumers- most credit unions already comply- #dealchat |
|
12:50 am
|
fhxoxo:
|
RT @CardAnalysis: Banks play game of luring you in with low intro rates, most often variable- then you need to KNOW YOUR FEES!!! #dealchat |
|
12:50 am
|
SandydeMarchena:
|
RT @CardAnalysis: If anyone has additional credit card or credit union related questions after #dealchat, feel free to tweet me! ;-) |
|
12:50 am
|
EricaJSandberg:
|
@frugalista a lot of complains - I seem to get them all #dealchat |
|
12:50 am
|
CardAnalysis:
|
@frugalista Discover is popular- they are their own bank and issuer- most fees are just like the big boys! #dealchat |
|
12:50 am
|
fhxoxo:
|
RT @CardAnalysis: Balance transfer fees can be killers- 4%-5%- transferring a $5000 balance to get intro rate could cost you $200-$250 immediately #dealchat |
|
12:50 am
|
abluetango:
|
RT @CardAnalysis: Balance transfer fees can be killers- 4%-5%- transferring a $5000 balance to get intro rate could cost you $200-$250 immediately #dealchat |
|
12:50 am
|
frugalista:
|
This #dealchat was so much fun! Some new and old faces! |
|
12:51 am
|
SandydeMarchena:
|
RT @CardAnalysis: Most credit union cards start at a low of 8% and never exceed 18%- and most are FIXED rates- not variable- #dealchat |
|
12:51 am
|
EricaJSandberg:
|
Is anyone frustrated with rewards programs? I hear a lot of frustration #dealchat |
|
12:51 am
|
SandydeMarchena:
|
RT @frugalista: @CardAnalysis My credit union treated me like a queen. I had a 2.99 percent APR for the life of the balance! :) #dealchat |
|
12:51 am
|
SandydeMarchena:
|
RT @CardAnalysis: For those who missed- there are 895 Credit Union Card options at CreditCardConnection.org- all prescreened as FAIR to consumer #dealchat |
|
12:52 am
|
frugalista:
|
@EricaJSandberg Aww! A reporter's work is never done! #dealchat |
|
12:52 am
|
Zavee:
|
@frugalista Thanks for having us over! #dealchat |
|
12:52 am
|
CardAnalysis:
|
@EricaJSandberg Ooh- great topic!!! #dealchat |
|
12:52 am
|
joeleck:
|
@frugalista Oh I see. Fabulous, fabulous, fabulous! It's brilliant! #dealchat |
|
12:52 am
|
SandydeMarchena:
|
RT @CardAnalysis: Banks play game of luring you in with low intro rates, most often variable- then you need to KNOW YOUR FEES!!! #dealchat |
|
12:52 am
|
fhxoxo:
|
RT @CardAnalysis: @frugalista Discover is popular- they are their own bank and issuer- most fees are just like the big boys! #dealchat |
|
12:52 am
|
abluetango:
|
RT @CardAnalysis: @frugalista Discover is popular- they are their own bank and issuer- most fees are just like the big boys! #dealchat |
|
12:52 am
|
EricaJSandberg:
|
@frugalista I invite all to contact me! #dealchat |
|
12:53 am
|
CardAnalysis:
|
Many reward programs will be going away- or more points required for less valued awards- just wait!!! I'd use your points now! #dealchat |
|
12:53 am
|
MyschaTheriault:
|
@frugalista Not a fan of store credit cards, either. It would have to be a pretty exceptional offer. Even then, I don't think so. #dealchat |
|
12:53 am
|
frugalista:
|
Contact @ericajsandberg a columnist a creditcards.com to help her on a story about reward programs and credit credit cards. #dealchat |
|
12:53 am
|
BackhomeLC:
|
#dealchat I just started with my Amex Rewards program. I'm kinda loving it. |
|
12:54 am
|
CardAnalysis:
|
And here again with Credit Union cards- Great Reward or Cash Back, Any Airline, No Annual Fees and benefit of fixed fair rates- #dealchat |
|
12:54 am
|
CardAnalysis:
|
@hcdawes Come join us anyway, Haden!! #dealchat ;-)))))) |
|
12:54 am
|
SmartysWorld:
|
@frugalista Great info, Nat! Good #dealchat. What's up for next week? |
|
12:54 am
|
frugalista:
|
I worked with @ericajsandberg on a personal finance project I was producing. She's a good one! http://ericasandberg.com/ #dealchat |
|
12:54 am
|
Recessionista:
|
In Aug and after? @CardAnalysis reward programs will be going away- or more points required for less valued awards- just wait!!! #dealchat |
|
12:55 am
|
EricaJSandberg:
|
@frugalista Any and all credit questions - love the topic #dealchat |
|
12:55 am
|
fhxoxo:
|
between reward programs' points and discounts, which one is better? i'd prefer discounts than points because points expire. #dealchat |
|
12:55 am
|
fhxoxo:
|
RT @frugalista: I worked with @ericajsandberg on a personal finance project I was producing. She's a good one! http://ericasandberg.com/ #dealchat |
|
12:55 am
|
EricaJSandberg:
|
@frugalista aw, thanks! #dealchat |
|
12:55 am
|
abluetango:
|
RT @frugalista: I worked with @ericajsandberg on a personal finance project I was producing. She's a good one! http://ericasandberg.com/ #dealchat |
|
12:56 am
|
marthaayoung:
|
@frugalista First timer at #dealchat with @CardAnalysis and @ericajsandberg. Look forward to future chats. Thanks! |
|
12:56 am
|
ViewpointrSasha:
|
Q1: What is the best way to get a decent rate on a credit card? #dealchat http://ow.ly/17RuQX |
|
12:56 am
|
CardAnalysis:
|
@Recessionista No set time frame- each issuer will be different as the revamp to recover lost income from CARD Act #dealchat- may spring up |
|
12:57 am
|
EricaJSandberg:
|
@fhxoxo discounts are nice and immediate, have to track points #dealchat |
|
12:57 am
|
frugalista:
|
Also, please follow @cardanalysis ! She shows up to my #dealchat and really pushes the conversation. She's a consumer crusader! |
|
12:57 am
|
CardAnalysis:
|
RT @frugalista: Contact @ericajsandberg a columnist a creditcards.com to help on story about reward programs and credit cards. #dealchat |
|
12:57 am
|
fhxoxo:
|
RT @EricaJSandberg: @fhxoxo discounts are nice and immediate, have to track points #dealchat |
|
12:57 am
|
abluetango:
|
RT @EricaJSandberg: @fhxoxo discounts are nice and immediate, have to track points #dealchat |
|
12:57 am
|
frugalista:
|
Ok, so we have a few minutes left! Please thank @cardanalysis and @ericajsandberg for holding us down. #dealchat |
|
12:58 am
|
frugalista:
|
I really try to pick people I've worked with before in formal and informal capacities so we can all get money smart. #dealchat |
|
12:58 am
|
abluetango:
|
Thank you! RT @frugalista: Ok, so we have a few minutes left! Please thank @cardanalysis and @ericajsandberg for holding us down. #dealchat |
|
12:58 am
|
marthaayoung:
|
RT @frugalista
Please follow @cardanalysis! She shows up to #dealchat and really pushes the conversation. She's a consumer crusader! |
|
12:58 am
|
frugalista:
|
No one gets paid for guest invites at #dealchat! It's a labor of love LOL |
|
12:58 am
|
fhxoxo:
|
Thank you! RT @frugalista: Ok, so we have a few minutes left! Please thank @cardanalysis and @ericajsandberg for holding us down. #dealchat |
|
12:59 am
|
EricaJSandberg:
|
this was great! Live strong and debt-free! #dealchat |
|
12:59 am
|
CardAnalysis:
|
This has been a lot of fun- thanks for inviting me @Frugalista- and I'm here if anyone has any Credit Union Credit Card Questions- #dealchat |
|
12:59 am
|
frugalista:
|
I will have a transcript of tonight's chat at thefrugalista.com in the morning! #dealchat |
|
12:59 am
|
Zavee:
|
RT @frugalista: Ok, so we have a few minutes left! Please thank @cardanalysis and @ericajsandberg for holding us down. #dealchat |
|
12:59 am
|
frugalista:
|
RT @EricaJSandberg: this was great! Live strong and debt-free! #dealchat |
|
12:59 am
|
CardAnalysis:
|
Very well stated- passionate, too!! ;-) RT @frugalista: No one gets paid for guest invites at #dealchat! It's a labor of love LOL |
|
12:59 am
|
frugalista:
|
RT @CardAnalysis: This has been a lot of fun- thanks for inviting me @Frugalista- and I'm here if anyone has any Credit Union Credit Card Questions- #dealchat |
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12:59 am
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fhxoxo:
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@frugalista keep it up! it's well worth waking up early to follow #dealchat, which is very informative! |
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1:00 am
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EricaJSandberg:
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G'night all - feel free to contact me #dealchat |
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1:00 am
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frugalista:
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I hold #dealchat every Wednesday at 8 p.m. I rotate topics. fun, financial, romance, whatever. We wheel and deall! LOL |
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1:00 am
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frugalista:
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@fhxoxo I'm so excited to have a friend in Singapore! yay! #dealchat |
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1:00 am
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TDianeGraves:
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RT @frugalista Please follow @cardanalysis! She shows up to #dealchat and really pushes the conversation. |
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1:00 am
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CardAnalysis:
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Thank you to my friends and followers tonight- @Frugalista has a good thing going with her weekly #dealchat |
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1:01 am
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jmbogash:
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#dealchat...We get RICH in information! RT @frugalista: No one gets paid for guest invites at #dealchat! It's a labor of love LOL |
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1:01 am
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Inga521:
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RT @TDianeGraves: RT @frugalista Please follow @cardanalysis! She shows up to #dealchat and really pushes the conversation. |
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1:02 am
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CardAnalysis:
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And a special thank you to @CLaggett for introducing me to @Frugalista! #dealchat |
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1:03 am
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frugalista:
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This > Rt @tishacakes store cards are very seductive if u shop there often but it makes you a slave and we all want #freedom #dealchat |
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1:03 am
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CardAnalysis:
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Good night #DealChat and @Frugalista- thanks for having me- until next time! ;-)))) |
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1:18 am
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ADivaForLife:
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RT @CardAnalysis: To check out fair and ethical credit union credit cards, visit CreditCardConnection.org #dealchat |
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1:19 am
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ADivaForLife:
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To check out fair and ethical credit union credit cards, visit CreditCardConnection.org #dealchat |
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1:22 am
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ADivaForLife:
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RT @Recessionista: In Aug and after? @CardAnalysis reward programs will be going away- or more points required for less valued awards- just wait!!! #dealchat |
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1:27 am
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Recessionista:
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OK, chums from #dealchat + tweeps, #Giveaway for $100 @crateandbarrel gift card http://bit.ly/cufHKb @AMERICANEXPRESS #spons |
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1:27 am
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ceeshan:
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@cardanalysis @ericajsandberg Thanks for being special guests and giving informative info on credit cards. @frugalista #dealchat |
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1:27 am
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ADivaForLife:
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RT @CardAnalysis: I would like to warn consumers to watch out for minimum finance charge fees and balance transfer fees- check your terms! #dealchat |
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1:32 am
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dbarq002:
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RT @CardAnalysis: Most credit union cards start at a low of 8% and never exceed 18%- and most are FIXED rates- not variable- #dealchat |
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1:33 am
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dbarq002:
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RT @CardAnalysis: For those who missed-there are 895 Credit Union Card options @ CreditCardConnection.org- all prescreened as FAIR #dealchat |
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2:34 am
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norah_s:
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RT @frugalista @CardAnalysis: Retail Store Cards are the worst- unless you KNOW you will pay off- high fees and high interest! #dealchat |
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2:38 am
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Finn_creative:
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Thank you, Ondine!
RT @CardAnalysis Most credit union cards start at a low of 8% and never exceed 18%. Most are FIXED rates... #dealchat |
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12:28 pm
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KeepingItRich:
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Hey! That #dealchat was good last nite. Sorry I couldn't follo better. :) RT @frugalista: @KeepingItRich Good morning!! |
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12:31 pm
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frugalista:
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@KeepingItRich Thank you, and you did just fine. #dealchat is high energy! |
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12:31 pm
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nickimayonews:
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#dealchat: 2day's the last day to get $39 Southwest flights between Sept 8-Nov17. w/ taxes i paid $50. http://tinyurl.com/32hcer9 |
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1:07 pm
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frugalista:
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RT @nickimayonews: #dealchat: 2day's the last day to get $39 Southwest flights between Sept 8-Nov17. w/ taxes i paid $50. http://tinyurl.com/32hcer9 |
