Credit Cards

Public description

A subreddit for discussing any aspect of credit cards. It is important to pay them in full and on time. Please ask questions and contribute to the knowledge surrounding credit cards.#### Description

#Abbreviations & Lingo:

  • AF = Annual Fee
  • AU = Authorized User
  • CLI = Credit Line Increase
  • FTF = Foreign Transaction Fee
  • PC = Product Change (i.e. upgrade)
  • SUB = Sign-Up Bonus
  • CFU = Chase Freedom Unlimited
  • CF/CFF = Chase Freedom (Visa) / Flex
  • CSP/CSR = Sapphire Preferred / Reserve

#Useful Links:

Free Credit Monitoring

  • [CreditKarma] (https://www.creditkarma.com/) - Uses TransUnion and Equifax

  • [CreditSesame] (http://www.creditsesame.com/) - May use Transunion or Experian depending on service

  • [Quizzle] (https://www.quizzle.com/)- Uses Equifax


  • Template for Card Recommendation Requests

  • List of Flat 1.5%+ Cashback Cards

  • List of Best Cashback Cards by Category

  • Credit card wiki at PersonalFinance

  • Complete List Of Free FICO Scores

  • [Free Credit Reports Info from FTC] (http://www.consumer.ftc.gov/articles/0155-free-credit-reports)

  • [Card Offers Just for You] (https://www.creditcards.com/cardmatch/)

  • [Compare Cash Reward Credit Cards] (http://www.magnifymoney.com/compare/cash-back-credit-cards)

  • Point Calculator Card Comparison Tool

  • List of credit card company phone numbers

  • Credit Card Tuneup or [CreditIntro] (http://www.creditintro.com/recommend/) to help you find the right card

  • EMV CVM Database - Find a card's Cardholder Verification Method list (e.g. PIN, Signature).

  • [Capital One Upgrade Link] (https://verified.capitalone.com/auth/signin?Product=Card&Action=ProductUpgrade) - Check PC eligibility for your existing card


  • Nothing Nefarious. This applies to any posts where we suspect anything potentially illegal or fraudulent, and may include buying/selling tradelines.

  • No Referrals. No links; no codes. Don't post them; don't hint at offering them; don't ask for them. Use rankt.com or /r/churningreferrals. This includes any behavior that could be deemed fishing for referrals.

  • No PM'ing Referrals. Spamming other users will get you banned.

  • No Link Shorteners.

  • Self-promotional posts must be pre-approved by a mod. Such posts are generally unwelcome. We may make an exception if it's truly unique and helpful.

  • Be nice. (Don't be a dick.)

#Other Subreddits To Visit:

  • /r/PersonalFinance

  • /r/AwardTravel

  • /r/Banking/

  • /r/Chipcards

  • /r/Credit

  • /r/Investing/

  • /r/InvestmentEducation

  • /r/FinancialIndependence

The most common phrases the members use:

months from
credit card
cash back
make sure
best offer

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