UPSers Credit Card (on topic)

Discussion in 'UPS Discussions' started by Kvaughn, Apr 20, 2016.

  1. Kvaughn

    Kvaughn New Member

    Hello everyone. Ive been working the preload shift for almost two years now, and noticed that there is a credit card for ups employees. I have tried contacting Bank of America and searching the web for information, but I cant find what I am searching for. I am trying to figure out what the general credit score is to be accepted for this card. My credit score isnt the best so this card would be awesome. Thank you in advance for any helpful information given.
     
  2. burrheadd

    burrheadd Superstar

  3. It has a good interest rate but crappy reward points.
     
  4. Kvaughn

    Kvaughn New Member

    Ya this would be my second card. The one I have now is a secured card with 24.99% apr, but I just use it for monthly bills like Netflix and pay it off each month. This card would be a HUGE upgrade, but I dont want to take a hard inquiry when there was no chance at all of getting accepted.
     
  5. 24.99%
    How bad is your credit?
     
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  6. cheryl

    cheryl I started this. Staff Member

    I use https://www.creditkarma.com/ to keep an eye on my credit score. It's free and they send you a notification if your score changes. They also give you suggestions for raising your score, which might be useful to you.

    The one thing they always suggest for me is to get another credit card, but since my credit is still really good I haven't bothered with that.

    They also try to get you to sign up for stuff from their partners, I just ignore that part.
     
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  7. I have several cards with different due dates and different rewards. I use their money!
    Since November I have over $300 in rewards cash. I use that for my October vacation.
     
  8. cheryl

    cheryl I started this. Staff Member

    We use 2 cards. One is the Costco rewards card where we shop a couple of times a week. We get a few hundred dollars from that every February. The other one is a American Airlines miles card we've had for a long time so we've built up a lot of miles on it. Those miles come in handy for vacations.
     
  9. UpstateNYUPSer

    UpstateNYUPSer Very proud grandfather.

    24.99% secured credit card.
     
  10. I have several cards,I only use three. The only reason I keep the others is because I had them a long time and it looks good on your credit history .

    My Master card gives me 1 and a half back on everything. I use Discover card,just for the 5% back and extra promotions . American Express gives me 1% on everything, 2% at the grocery store and 3% on gas.

    I'm using their money! They got enough off of me when I was young.
     
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  11. I seen that. Hence,that's why I asked him how bad his credit was. If he has a secured card.
     
  12. UpstateNYUPSer

    UpstateNYUPSer Very proud grandfather.

    My son and I both use Credit Karma. He finds the tutorials and recommendations to be quite helpful.
     
  13. Kvaughn

    Kvaughn New Member

    I use credit karma but unfortunately they dont have special employee cards on there, to give me a guideline. It is 560/585 right now, if I can get this collection taken off after I make my final payment later this month, it should go up significantly. I am hoping employee only cards take pity on poor credit for their employees haha.
     
  14. UpstateNYUPSer

    UpstateNYUPSer Very proud grandfather.

    I would guess his FICO is less than 650.

    Guess I was wrong. 560-585? There is no way you are going to get anything but a secured card until you get that score up to at least 600-625.
     
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  15. Kvaughn

    Kvaughn New Member

    Also I have a new line of credit opening in about a week. Credit karma estimated just from that, it jumping up to 630 with the collection still on there.

    Edit: This would be the secured card.
     
  16. When you have good credit you get offer like this.IMG_20160420_195915.jpg
     
  17. What many youngsters fail to realize is,how much bad credit can cost you over your lifetime.
    Many don't realize that your insurance company checks your credit score.

    Low score = higher rates.
     
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  18. UpstateNYUPSer

    UpstateNYUPSer Very proud grandfather.

    I have one credit card and one debit card. I use the debit card for the majority of my purchases. I use the credit card for any online shopping that I do, which is very rare. I pay that balance off in full every month. It's not a rewards card but that is not a big deal to me.
     
  19. I take the free money.
     
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  20. brownmonster

    brownmonster Man of Great Wisdom

    I haven't personally paid a bill in over 30 years. I earned my 800 credit score.