[PennBF]

If your husband (and or spouse) has a credit card and you are not the primary but an agreed upon another user as a spouse then you essentially have NO credit rating and if you wanted an individual CC for yourself you would most likely be denied as you have no individual credit rating. Further as an example if the primary cc holder dies his/her spouse is responsible for the cc balance. Since at the risk of being labeled as sexist I would guess that most primary users are the husband therefore the wives have no individual credit rating and yet held responsible if they inherit the estate. Allegedly this is the case even if the spouse does the majority of the usage of the card. Am I wrong in thinking this is kind of wrong? Would appreciate it if someone straighten me out if my thinking is distorted.

[Chatbrat]

Also Chase is offering $300/$100/ cash back on some of their credit cards if you charge $500.00 in the first qtr of use--just got $337.00 cash back also you can set up auto pay-they are current giving 5% cash back on grocery purchases

Its very easy to get $2000/yr free money by using the right credit card @ the right time for almost all purchases or expenses

[Nucky]

Originally Posted by Boomer

My guess is that somewhere in that small print it might say that "signing bonus" is taxable.....

I know someone who took Chase up on one of those offers, and months later, when she had forgotten all about it, an unexpected 1099 showed up. Just in case -- and I have good reason to think I am right (blush) -- you might want to make a note of it in your tax prep file so you don't already have your taxes all finished -- or almost -- and then along comes a 1099 you were not expecting and then you have to say a whole bunch of bad words.

Thanks for the reminder Boomer. Great tip.

[Chatbrat]

The cash back on credit card purchases is no ntaxable

[Nucky]

Originally Posted by Chatbrat

The cash back on credit card purchases is no ntaxable

The one with the cash back is the Freedom Card correct? I think that's the card that replaced the Hess Card? More good info. Thanks.