Agreed, especially for those who have the patience to navigate various loyalty programs to maximize the value of MR points transfers to hotels and/or airlines (not me). There is incredible potential there.
For “groceries” I have 6% cash back with Amex Blue Cash Preferred ($95 AF, which I’ve never actually paid) or 4.5% back when I use my US Bank Altitude Reserve via Apple Pay at the grocery store.
Or 5.25% cash back on one of my no-AF B of A 3/2/1 cards and Platinum Preferred relationship bonus.
Which is one of the only things I use this card for. I did buy some Gold with it last week online to get 3% cash back.
Calculus within calculus, and while it’s sometime worth that little bit extra, it isn’t always. When I lived in Ohio I played the gift card/grocery rewards/AMEX cashback on everything, but here in CA I just buy most of my gas at Costco and try to buy everything on cashback cards, which I always pay off every month.
None stolen at all! I’m available as a resource if anyone needs help. I’m not going to push recommendations unless asked . Plenty of good advice and opinions here, too.
Ethan Dornhelm, VP of FICO scores and predictive analytics, tells CNBC Select. “To lenders, a consumer with a score in the 800s is a sparkling applicant.”
IIRC the multiple pulls show up but they only count it as one hard pull as long as it’s done in the same general time frame ~30 days, bureau assumes you’re shopping for best rates
The other two alerts from 4/3 are from when your new account was added to your credit reports. This would have happened whether it had taken 1, 2 or 74,000 inquiries to get your lease approved.
Similar to @Wakimike I have the same question. Only thing with my situation it’s no new accounts opened. I was approved the other day dealer told me tier 1 with 825 score, ok great. Yet I keep seeing pulls each day. What’s going on here? I’ve called them, but no response yet. I’d just drive there if they weren’t out of state. I understand that the dealer triggers these pulls, so maybe these finance guys are not on the same page and pulling things that have already pulled? 6 pulls now!!!
I tend to be super particular of my credit and hard pulls. Waking up to alerts for the past 3 days have driven me insane. The score hasn’t moved of course, but with anymore in that short of time could probably see a blip.
Found it odd about the experian as well. The F&I guy is out and someone else is filling in. I hope the fill in did not go and subsequently pull it again not knowing. If I see another alert then I may blow a gasket lol
. Plenty of good advice and opinions here, too.
