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Creditcardguy.com: Your Trusted Guide To Mastering Credit Card Management

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October 25, 2024

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Creditcardguy.com: Your Trusted Guide To Mastering Credit Card Management

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CreditCardGuy.com: Your Trusted Guide to Credit Card Management

In today’s world, where there’s more information than ever, finding reliable credit card advice can be overwhelming. That’s where CreditCardGuy.com comes in – a resource designed to give you clear and essential credit card knowledge.

CreditCardGuy.com is more than just another financial website. It’s a place where complex credit topics are made simple. Created by a team of experienced credit specialists, our platform is here to help you understand and manage your credit with ease.

Why Choose CreditCardGuy.com?

Expert Content
Our credit specialists break down complex topics into easy-to-understand guides. You’ll get clear, actionable advice you can rely on.
Comprehensive Resources
Whether you’re comparing card offers, learning about rewards, or managing debt, we cover all the essentials. We’re here to help you make smart financial decisions.
Easy to Navigate
Our website is designed for simplicity. You’ll find the information you need quickly and easily.
Latest Updates
The credit card world changes fast. We keep you informed with the latest trends and updates, so you’re always in the know.
Join the Community
Connect with others, share experiences, and be part of a supportive community focused on smart credit management.

What You’ll Find at CreditCardGuy.com

In-Depth Reviews: Detailed reviews of the latest credit cards.
Comparison Tools: Easy tools to compare different credit cards side-by-side.
Educational Articles: Insights on credit scores, interest rates, and debt management.
Expert Tips: Practical advice on how to use your credit wisely.

At CreditCardGuy.com, we aim to make credit management simple and accessible. With the right tools and guidance, you can take control of your finances and navigate the world of credit with confidence.

Visit CreditCardGuy.com today and start making informed credit decisions. Join a community of savvy users who are mastering their financial future.

CreditCardGuy.com – Your trusted partner in credit card management.

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Man perplexed by various credit scores

Need Help Applying? Have Credit Questions?

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Key points in this article

Key Takeaways

Key Takeaways

Key Takeaways

More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?

There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing

Is it possible to reallocate my credit limit from a personal Chase card to a business card?

No, you can only transfer credit limits from personal to personal or from business to business within Chase.

Does obtaining a credit limit increase from Chase involve a credit check?

No, Chase does not pull credit for a credit limit increase.

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Sample Caption
Bank Name	Reports	Back Dates
Amex	✅	❌
Barclay	✅	✅
Bank of America	✅	✅
Chase	Sometimes	✅
Citi	✅	✅
Capital One	✅	✅
Discover	✅	✅
HSBC	❌	❌
US Bank	✅	✅

This is some text inside of a div block.

Lounge	Access	Guests	How to Access
Priority Pass	Free with enrollment	2 free guests	Enroll in Priority Pass. Use the app for entry.
Delta Sky Club	Free with Delta flight	No free guests	Show your card and Delta boarding pass.
Amex Centurion	Free	2 free guests (starting Feb 2023)	Show your card and boarding pass.
Global Lounge Collection	Free	Varies by lounge	Show your card and boarding pass.
Escape Lounges	Free	2 guests or immediate family	Show your card and boarding pass.
Plaza Premium	Free	2 free guests	Show your card and boarding pass.

Sample Caption
Bank	Minimum Payment Calculation
American Express Personal	The greater of these: $40, 2% of the balance excluding interest and fees, 1% of your balance plus interest and fees
American Express Business	The greater of these: $35, For a balance of $0-$25,000: 1% of the balance plus monthly interest and fees, For a balance of $25,000-$75,000: 5% of the balance plus monthly interest and fees, For a balance over $75,000: 10% of the balance plus monthly interest and fees*
Bank Of America	The greater of these: $25, or 1% of the full balance plus the monthly interest and fees
Barclay Bank	The greater of these: $27, or 1% of the full balance plus the monthly interest and fees
Capital One	The greater of these: $25, or 1% of the full balance plus the monthly interest and fees
Chase	The greater of these: $25, or 1% of the full balance plus the monthly interest and fees
Citi	The greater of these: $25 or 1% of the full balance plus the monthly interest and fees, or 1.5% of the full balance
Discover	The greater of these: $35, or 2% of the full balance or $20 plus the monthly interest and fees
Santander	The greater of these: $25, or 1% of the full balance plus the monthly interest and fees
Synchrony	The greater of these: $25, or $35 if you had any late payments within the last six months, or 1% of your full balance plus the monthly interest and fees
Us Bank	The greater of these: $30, or 1% of your full balance plus the monthly interest and fees
Wells Fargo	The greater of these: $15, or 1% of the full balance plus the monthly interest and fees

Sample Caption
RATIO	TRANSFER PARTNER	TRANSFER TIME	ENDS	TYPE
1:1	Aeroplan Loyalty Program	Instant	July 31, 2024	Airlines
1:1	Air France-KLM Flying Blue	Instant		Airlines
1:1	Avios	Instant		Airlines
1:1	Emirates Skywards	Instant		Airlines
1:1	IHG One Rewards	1 Day		Hotels
1:1	JetBlue TrueBlue Rewards Program	Instant		Airlines
1:1	Marriott Bonvoy	2 Days		Hotels
1:1	Singapore Airlines KrisFlyer	12-24 Hours		Airlines
1:1	Southwest Rapid Rewards	Instant		Airlines
1:1	United MileagePlus	Instant		Airlines
1:1	Virgin Atlantic FlyingClub	Instant		Airlines
1:1	World of Hyatt Loyalty Program	Instant		Hotels

Bank	Credit Bureau	Notes
Amex	Experian	For existing Amex cardholders, Amex does not pull your credit for new credit card applications.
Avianca	TransUnion
Apple Card	TransUnion	They will first only do a soft pull to check if you qualify. If you qualify and accept the offer, then they do a hard pull. Some have had success avoiding the hard pull by freezing TransUnion after the preapproval but before the final decision.
Barclays	TransUnion
Bank of America	Experian	If you freeze your Experian report, they will pull your TransUnion credit report.
Capital One	Experian, Transunion, Equifax	If you freeze one credit bureau, you can still get approved (the credit bureau you freeze cannot be TransUnion).
Chase	Experian
Citi	Experian/Equifax	Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes both Experian and Equifax. If you freeze your Experian credit report, you can sometimes request the reconsideration department to pull your Equifax credit report.
Citizens	Equifax
Discover	Experian/Equifax	Discover will usually pull your Experian credit report, sometimes Equifax. If you freeze your Experian credit report, Discover will be glad to pull from either TransUnion or Equifax. Chat with a rep after submitting the application.
Elan Financial	Experian
HSBC	Equifax
Key Bank	Equifax
Synchrony	TransUnion
TD Bank	Experian
US Bank	Experian	If you frequently apply for credit cards, first freeze your IDA/ARS bureaus before applying for a US Bank credit card.
Wells Fargo	Experian/Equifax	In some states, they pull Experian and Equifax.

Order	Credit Card	Bank	Credit Bureau	Notes
1	Chase Sapphire	Chase	Experian	Chase is very sensitive to recent inquiries.
2	Citi Premier	Citi	Experian/Equifax	Citi is also sensitive, but you can sometimes request to pull Equifax if Experian is frozen.
3	Amex Gold	Amex	Experian	Amex is less sensitive, and they don't pull credit for existing cardholders.
4	Barclays Arrival	Barclays	TransUnion	Less sensitive, but be mindful of one or two recent inquiries.

Sample Caption
Bank Name	Reports	Back Dates
Amex	✅	❌
Barclay	✅	✅
Bank of America	✅	✅
Chase	Sometimes	✅
Citi	✅	✅
Capital One	✅	✅
Discover	✅	✅
HSBC	❌	❌
US Bank	✅	✅

Sample Caption
Bank	Reports Business Cards?
Amex	No
Bank Of America	No
Barclays	No, Barclays business cards generally don’t report
Capital One	Yes, except the Capital One Spark Cash Plus and Capital One Venture X Business
Citi	No
Chase	No
Discover	Yes
M&T Bank	No
US Bank	No
TD Bank	Yes
Wells Fargo	No

Sample Caption
Issuer	Dun & Bradstreet	Small Business Financial Exchange (SBFE)	Experian Business	Equifax Business
Amex	Conflicting data points	Yes	No	No
Bank of America	No	Yes	No	No
Barclays	No	No	No	No
Capital One	Yes	Yes	Yes	Conflicting data points
Citi	Yes	Yes	Yes	Yes
Chase	Yes	Yes	Yes	Conflicting data points
Discover	Yes	No	Yes	Yes
US Bank	Yes	No	No	Yes
Wells Fargo	No	Yes	No	No

Sample Caption
	Minimum Age
Amex	13 years old
Barclay	13 years old
Bank of America	No minimum age
Chase	No minimum age
Citi	No minimum age
Capital One	No minimum age
Discover	15 years old
US Bank	16 years old
Wells Fargo	No minimum age

Sample Caption
Rating	Credit Score Range	Description
Poor	<580	This credit score is well below the average score of U.S. consumers and demonstrates to lenders that the borrower may be a risk.
Fair	580-669	This credit score is below the average score of U.S. consumers, though many lenders will approve loans with this score.
Good	670-739	This credit score is near or slightly above the average of U.S. consumers and most lenders consider this a good score.
Very Good	740-799	This credit score is above the average of U.S. consumers and demonstrates to lenders that the borrower is very dependable.
Exceptional	800+	This credit score is well above the average score of U.S. consumers and clearly demonstrates to lenders that the borrower is an exceptionally low risk.

Sample Caption
Very Poor	Poor	Average	Good	Very Good	Excellent
579	619	679	719	779	800+
578	618	678	718	778	799
577	617	677	717	777	798
576	616	676	716	776	797
575	615	675	715	775	796
574	614	674	714	774	795
573	613	673	713	773	794
572	612	672	712	772	793
571	611	671	711	771	792
570	610	670	710	770	791
569	609	669	709	769	790
568	608	668	708	768	789
567	607	667	707	767	788
566	606	666	706	766	787
565	605	665	705	765	786
564	604	664	704	764	785
563	603	663	703	763	784
562	602	662	702	762	783
561	601	661	701	761	782
560	600	660	700	760	781
559	599	659	699	759	780
558	598	658	698	758
557	597	657	697	757
556	596	656	696	756
555	595	655	695	755
554	594	654	694	754
553	593	653	693	753
552	592	652	692	752
551	591	651	691	751
550	590	650	690	750
549	589	649	689	749
548	588	648	688	748
547	587	647	687	747
546	586	646	686	746
545	585	645	685	745
544	584	644	684	744
541	583	643	683	743
540	582	642	682	742
539	581	641	681	741
538	580	640	680	740
537		639		739
536		638		738
535		637		737
534		636		736
533		635		735
532		634		734
531		633		733
530		632		732
529		631		731
528		630		730
527		629		729
526		628		728
525		627		727
524		626		726
523		625		725
522		624		724
521		623		723
520		622		722
519		621		721
518		620		720
517
516
515
514
513
512
511
510
509
508
507
506
505
504
503
502
501
500

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