MS opportunities at Target to get 5% up to $1500 on your DiscoverIT cards this quarter:

To avoid going around the store looking for $400 Target Visa with $6 fee, ask an associate to look up this DCPI: 290 00 0028. If they have it, you found a goldmine UPC of this product is 799366115267. These are NO longer sold online but there are stores that still sell them if you ask.

Ya’ll can call ahead to ask so you don’t go around looking for this “unicorn”.

BTW, these drain at the grocery store easily as long as they accept VGCs for MO.

I am one of those whom SB owes for offers like $15SB for flowers around Easter. I have opened support tickets and they never answered me. For this reason, I just accumulate points by entering codes every now and then or using it as search engine to get SBs. It takes a while to cash out via paypal but I know I can’t win them all

@richard you can also try it at the drive thru window so you don’t have to go inside the bank. If it’ll require a lot of time, teller may request you to go inside but if the BM says it’s okay, then you’re good to go.

IME with Chase, if I intend to cash out the check and the face value is lower than my available funds, I had no problems BUT if my available funds are much lower than the check’s amount I’m depositing, I was told I can only withdraw amount which is less than my available funds. This is understandable so the bank will not be out of $$ if the check bounces fwr. For bounced checks, they assess a fee for it and Chase is one of those banks that aren’t forgiving especially to those who have opted out of overdraft protection.

I no longer have checking/savings accounts with Chase, only biz and personal CCs.

@fivetalents I can only speak for those I’ve helped using this technique which I got from the credit booster experts. I’d like to emphasize I DO NOT like their business model, it’s too risky for anyone to put their CCs for rent for monetary compensation. One requirement that turned me off was when he said I have to give him the PW on my credit karma so he will see my credit history aside from my CK Fako score. He11 NO!!! even if I can change my PW immediately after he makes his assessment whether I qualify or not to be his ‘business partner’. The ones I’ve helped have told me their credit scores went up just a few months after I added them as AU.

On my part, the benefit I get is to use the AU cards for sync offers that I like to get more credits. as stated…WIN-WIN. To add, I am not affected by all their other activities outside of this AU card issued to them which is IN MY POSSESSION at all times and I’ve tested the CCs if they’ll send the AU cards to other addresses and all said NO, the AU cards are sent only to primary card holder who’ll give the AU cards to their respective owners. That gives me confidence they can’t take hold of AU cards w/o my knowledge.

@fivetalents I concur; for those who have a lot of options to build their credit history, they can turn to fee free methods but those who have no other means they have to “pay the price” so to speak.

Another option that came to mind since I’ve done this for close friends and family is to add them as AUs to my CCs with long history and high CL. This is a sure way to build their credit without doing anything. I don’t give them the AU card, but if it’s an amex I put charges on them for sync offers that are moneymakers. They are not responsible for any charges I make, I pay for them and they benefit from my responsible use of credit cards. In fact, I’ve had several offers from enterprising people to pay me a fee to “piggyback on my excellent credit” but I turn them down no matter how enticing the offers are. I know some people make a few hundreds extra doing business with these ‘credit booster’ companies.

I think that would be the best option for OP’s friend w/o costing him/her any money IF he/she knows of anyone willing to make them their AU (they may have to give their SSN to ensure it’ll be recorded by CRAs because without SSN, the CRAs will not be able to associate the CC to the individual). It bears to remind them also to share their SSN only to people they trust.

@fivetalents afaik, NONE of the prepaid V/MC reloadable/non reloadable cards are useful to build one’s credit. Applying for a secured CC will build one’s credit.

I remember a banker told me years ago that taking out a small loan from the bank and then paying it as agreed is also a good way to build one’s credit. I wouldn’t do it myself because I’m sure bank will charge interest on that loan depending on the terms but for those who are desperate to build credit, that’s an option.

I saw on Amazon that they’re now selling VGCs and since I have accumulated a stash from previous deals, I thought it would be a good deal to cash out via Visa GC. The highest denomination available is $100 with a $5.95 fee (ouch!), free shipping. I went on to do a test purchase but when it came to pay, it wouldn’t allow me to pay with my GC balance There goes my plan to cash out…

Do you have siblings that may have claims to the property too? In my case, I have 2 siblings and I wanted full rights to a building in prime location we inherited from my dad. I offered to buy their share which both accepted since they’re both living here in the states and want nothing to do with any property overseas. Laws may vary regarding real estate transfers to kin so best for you to check with a lawyer that gives free initial consult/advice and go from there.

For those high yield checking accts from CUs, this trick worked for me in the past to get the high rate where they required ten swipes of the DC. I did SCO at WM adding a few cents to a WMgc to fulfill the ten swipes requirement in just one trip. I just got the high interest rate and when they lowered their rates, I just pulled all my funds from there.

Whenever swipes are required to fulfill bank terms in getting bonuses, this trick still works well for me w/o the need for cashier intervention.

@mrvietnam you can try creating an account for each of the AU. It’s what I did from the get go and that’s how I got the offers on each account and saved them accordingly. Try that and see if offers come up for each AU cards.