Chase upgrade



Agreed. Hell will freeze over before I pay for downloaded financial data, music, literature, or pretty much anything else!!
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I haven't dug back through the thread to see if you've tried this, but I've found that I often see a single FI stop working with OSU, but if I go to that account and initiate a download for that account, it works. From that point on, OSU works as well.
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wrote:

Thanks, Robert. Please see my answer to Bob Wang, a minute ago. It works once or maybe twice, then breaks again, for my Chase Freedom account.
--
Best regards
Han
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wrote:

and
I've
that
point on,

That was the first thing I tried .. downloads from site just fine, but still no luck on either credit card using OSU. Calling was useless (just walked me through the usual steps), so basically stopping using their cards until after the upgrade. If they still don't work after that, they just won't get used.
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"upgrade"
Quicken.
The update is scheduled to happen from 11pm Friday, November 11th through 11am Sunday the 13th. We'll see. Deb
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Margaret wrote:

Gee - not that it's any of my business, but what possible reason Margaret do you have three of the same kind of cards from the same FI? I've heard of having two VISAs, for example, but from different FIs in case one is down. But 3 from the same one?????
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I think the key word is "rewards". While Chase is the issuer for all three, they each generate different rewards.
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On 10/26/2011 2:33 PM, Andrew wrote:

I have a Chase card, which gives me 1% to 3% back on purchases. I recently added the AARP card which is also from Chase. They made me an offer that I couldn't refuse... 5% back for 6 months. I've already gotten $600.00 back from them. (I had a big car repair expense.) I'll gladly fill in a form for $600.00.
If my wife gets the same offer in a few more months, we'll get another one. Heck, they don't cost anything. They don't take up much room in the safe after we stop using it. And, we make a few bucks on each one. They also provide a credit cushion if things ever go bad.
--
Jim

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I have 6 credit cards from Chase. 7 from Citi. I had 6 from AmEx Centurion Bank at one time too.
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Bob Wang wrote:

Must do wonders for your credit score! I saw one person's explanation on why it is good to have so many so that your minimum payments are less (!). No wonder there's a problem with people's finances in this country
OK - here are the rules. Two credit cards at the most , and only because the first might fail it helps to go to a second. From a different FI at the minimum, and two different types if possible (ie: one Master Card, the other VISA). Pay off the balance each month. And get the ones with the cheapest interest rate and the longest grace period AND one that does not have any chargebacks (typically the lowest interest rates ones).
(Full disclosure: I break my last rule, however, for mine. I like my free hotel points that actually are subsidized by others who don't follow the previous set of rules. But the rule stands if everyone followed it!)
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FICO (300-850): Eq 816, Ex 823, TUWm 825 Credit Sesame (300-850): Ex 826 GEMB (150-950): Eq 872 Equifax (280-850): Eq 820, Ex 789, TU 796 PLUS (330-830): Eq 795, Ex 774, TU 786 Vantage (501-990): Eq ?, Ex 990, TU 951 Quizzle (350-850): Ex 788 TU TransRisk (300-850): TU 785
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Andrew,
I have exactly two credit cards, do almost exactly as you do, and the last FICO score I saw from Experian was an almost perfect 837 out of 860.
BUT my recent VantageScore from Experian was only 874 out of 990 (risk grade B). My score got lowered because
I didn't have any recently opened credit accounts or loans, I didn't have any real estate loans, I didn't have any retail revolving accounts, My total available credit was too low.
Some credit scores seem to focus more on the expected profitability of your account than on your creditworthiness. So you probably need to clarify what credit score you're talking about when you state your rules.
Jerry
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Jerry Boyle wrote:

Hi Jerry - well, my last post of this issue - it was fun. There really is only ONE credit score in MNSHO that counts; the FICO score. As far as I can tell, all these others ones are marketing fluff, and FICO is really (perhaps not as much now, but I don't really know) the only one that is seriously used by credit authorizers.
Of course my 'rules' are just one man's opinions.
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There are 3 Credit Reporting Agencies, Equifax, Experian & TransUnion. Creditors can calculate a FICO score using information from any, or all 3. Mortgagers usually calculate all 3 FICO Mortgage scores, and use the middle one.
The FICO algorithm underwent major revisions in 1998, 2004 & 2008. The general TU FICO from myFICO is 1998. The general Equifax FICO from myFICO is 2004. The general Experian FICO from Walmart is 2008.
Then there are Mortgage-enhanced, Auto-enhanced, Bankcard-enhanced, Insurance-enhanced versions, etc. So, there are hundreds of different variations of the "real" FICO score.
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Chase CashPlus Visa 5% Groceries Chase Freedom 5% Restaurants Citi Forward Visa 5% Amazon.com Discover 5% Restaurants, Department Stores Discover Business 5% Office Supplies Fort Knox Visa 5% Gasoline Lowe’s 5% Lowe’s PenFed Visa 5% Gasoline REI Visa 5% REI
Bank of America 3/2/1 Visa 3% Gas, 2% Groceries, 1% everything else Chase Amazon Visa Signature 3% Amazon Chase Business Amazon Visa 3% Amazon Citi Business MasterCard 3% Office Supplies Citi Business Visa 3% Office Supplies Citi Professional MasterCard 3% Restaurants, Gas, Office Supplies
Alliant CU Visa 2% on everything till end of year FIA Visa 2% on everything (discontinued as of 10/31/2011) Fidelity AmEx 2% on everything
British Airways Visa Signature 1.25% on everything Capital One Visa Signature 1.25% on everything
LLBean Visa Free Monogramming
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On 10/27/2011 6:13 PM, Bob Wang wrote:

What do you carry in your other pants pocket(s) to keep you from listing to one side?
--
Uncal Bob

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I only carry 8 with me ;-)
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I don't envy your Executor when the Big Day comes!!!
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Andrew wrote:

To maximize rewards, of course! :-)
I shop at Amazon a lot, so I have the Amazon Rewards card. I only use it for Amazon purchases (3% back). Then I have the Freedom Rewards VISA, which I only use for the 5% rotating categories. And then I have my main card, the Chase Rewards VISA that pays 3% on gas, groceries and a few other categories I can't remember. Most people who had these cards were converted to the Freedom card a while back, but mine wasn't. Don't know why, but I suppose it might be because I use it so much. You see, I charge everything I possibly can, and then I pay the full balances monthly. That way I minimize dealing with cash and checks, and I only have these few CC transactions that I initiate from Chase's web site. Utilities, etc. automatically pull from these cards, so if I have an issue with auto-payments, Chase will (hopefully) go to bat for me. I only have a few auto-transactions that pull from my credit union checking account such as car and home insurance and my mortgage.
I used to have the Chase Rewards VISA and a couple rewards cards at Citi, but I closed the Citi accounts and got Chase cards a year or so ago after I tired of having to constantly get new cards and deal with Citi's inept fraud department.
So you see, there *is* method to my madness. ;-)
Regards,
Margaret
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Makes sense to me, Margaret! I seldom use checks or cash, even using VISA for $2 purchases!!. Paying off the whole balance, every month, naturally. I'd use cash, though, for, uh, "under the table stuff", such as "deeply" discounted work done by tradespeople. I make no apologies for doing this--whether or not they declare the income is NOT my business. It's not MY business to help the tax authorities in any way, shape, or fashion.
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