#AsuultSambar :

4-5 jiliin omno usa-d anh irsen neg hund jones geed grocery-n membership unegui baijiidag card-g oor neg erthen irsen mongol ni ene ih sain hyamdraliin card geed $20-oor zarjiisan gesen.. keke.. aimar shulsan baih shig.. manaihan anh irehdee bugd l yugaa ch medehgui humuus irdeg, zarim neg heregtei zuils medeh zuilsee end chit chat hiijiital heregtei neg ni unshina biz..

my cards:

- visa, master "debit card" (ooroor helbel "checking") - banknii engiin dans buyu checking account-nii cardnuud.. manaihan (bi ch gesen) eneniigaa hasah ruu oruulaal baahan "overdraft fee" geechid nachignatal shataj uzejiij uhaan suujiigaam daa.. ihenh bank ruu ajiliin checkee hiihed ter ni ajiliin 2-3 odor boljiij dansand mongo chin "available" boldog gedegiig, mun oroi bankindaa mongo hiicheed oroi ni garaad baahan cardaa zurchihaar ter omno hiisen mongo chin "next business day"-r bankind orson gej tootsoologdood, ter oroinii zursanguud chin dansiig chin hasah ruu oruulaad zuralt burd 25-35$ overdraft fee awdag geel.. medehed ih zugaatai.. manaihan bur ugsruulj overdraft orood, teriigaa medehgui 2-3 sar yawaad odor bur 5$ chargeluulaad 500-1000$ dan feend toldog tohioldol ASAR IH!!! (nadaas utasnii card awdag humuus medehgui tegeel uilaal yarij asuuj l baidiim..)

- visa master "credit card" (zeeliin card) - credit saijraad ireheer urilga shig zahianuud bombogdchihno doo.. gehdee apply hiih bolgond credit inquery geed credit history-d negative-r orood baidag gedegiig medehed iluudehgui.. tegeel zursanaa ehnii sard ni tolbol huugui, tolbor algaschihwal default apr geed ondor huu ruu shiljchihdeg, bas torguuli 20-30$ baidag, minimum payment geed irjiigaag ni dor hayaj 2 nugalj toljiihgui bol ornii chin hemjee buurdaggui, credit card-r atm-s cash awch eroosoo demii yaagaad gewel cash advance geed ondor huutei, daraa sard ni buten cardaa tolj duusgahgui bol tanii tolj bui tolbor baga huutei ruu ni yawaad baidag gedegiig medehed iluudehgui..

- american express credit card - ene ih ertnii aldartai, iim credit cardiig anh zohioson company-ni gesen.. daanch master visa-d zah zeelee aldtsan, gehdee ihenh bayachuud l hereglehed zoriulsan.. tom tom zarim restaurand orohod visa master awahgui zowhon amex awdag baih tohioldol baidag gene lee, ihewchlen credit limitgui buyu heden ch $$$ zurahad boldog ontslogtoi, gehdee daraa sard ni bugdiig ni tolj duusgah estoi tehgui bol default ruu orood huu ene ter ni taliina.. mashin rentlehed enuugeer tolbol insurance dagaldana, nemej insurance awah hereggui, gehdee bi master cardaa bas tegej zondoo hereglejiisan bas tegdeg gesen gehdee amex-n insurance ni yamar neg yum bolbol iluu batalgaatai baih, mun rewards geed nayan yum baidiim, hamgiin gaigui ni gewel yum awsan bol butsaah gehed merchant ni butsaahgui bol amex nadad mongo-g ni butsaaj ogno, mun show event ene ternii ticket amex-r awchihwal yamar negen shaltgaanaar uzej chadahgui ticketee uhuulchihwel amex nadad $$$ ni butsaaj ogno.. geh met..

- grocery delguuriin membership cards - ochood appliction tsaasan deer ner utasaa bicheed l awchihdag gej ihenh hun medne biz dee, zarim yum hyamdarch haragddiin.. gehdee l manaihan eniig shine irsen negendee zarchihdag geheer ineedtei..

- amc geh met movie card - aan tiin, enenii card chin 5 kino uzehed 1 unegui biluu..

- heregtei zuils baiwal nemej bicheerei ... 2006-2007 onii shine ulirald usa-d anhlan hureltsen iregch buman tumen mongolchuuddaa tus boltsgooe..

hey thanks..

hamgiin dajgui card n Am express yum daa. gaduur rent-eer mashin avaad accident-d orloo gehed am-express tuluh jisheetei, zarimdaa free flight, hotel avj baidag. er n reward mash sain. gants gem n jildee mininum ~90-eed dollariin fee-tei. travel sain hiideg hund bol ter jiliinh n fee-g tulchihuud, tuuneesee 10 dahij ih hyamdral, rewardaa hereglej, amar taivan driving hiij baihad saihan card. ihenh corporate-card am-express baidag.

za discovery-g medehgui ee. gehdee APR n Visa-g bodvol baga, yamar neg bad-case-fee n tiim ch undur bish. bi uuruu heregledeggui bolohoor bas sain medehgui bn. yamar ch baisan they sponsor the New Year's eve at the Times Square in Manhattan... i think they are just like Visas with lower APRs.

ter grocery-uudiin discount card-uud shal hudlaa. ted chin chamaig baingiin hereglegch bailgahiin tuld l hiij baigaa marketing n. check-out hiih uedee, i don't have my store card, can u use your card for me... geh meteer heleed helehed ter discountiig n avchihdag yum. busdaar delguur bolgonii card-d apply hiigeed baival za tegeed medehgui l dee, aimaar ih boloh biz dee. zarim delguuruud Thanksgiving-nii ued ch yum uu free turkey ugj l baidag, manuus n yamar ter turkey n ideed baih yum bish. gants turkeynii tuluu buten jiljingee neg delguurees hamag yumaa avaad, point tsugluulaad yavna gedeg tam shtee.

etsest n helehed, whatever card u use, don't let your credit history down. pay ur credit cards on time, fully if u wanna live in the usa and have ur american dream. in america, the credit history is your life. if u have bad history, it gets harder to get any kind of loan, mortgage, house, or even a decent car. 2, 3n credit cardtai baihad l bolno. olon baih tusmaa muu baidag yum shig baigaam.

zarim mgl-chuud n credit cardaaraa yum avchihaad mgl ruugaa butschihdag. neg bodliin yadarsan yaduu ornii irged tegdeg baih, nuguu bodliin muuhai l yum daa. hunii yumiig hereglechiheed, butsaaj ugulgui alga boldogtoi adil. er n tegeed huvi hun uuriinhuu ireeduig l ballaj baigaa gesen ug l dee, daraa usa-d orj ireh nuhtsulgui bolj magad yum. anyways, i hope ppl will add more on cards.

Hundaga написал:.. manaihan bur ugsruulj overdraft orood, teriigaa medehgui 2-3 sar yawaad odor bur 5$ chargeluulaad 500-1000$ dan feend toldog tohioldol ASAR IH!!!

2, 3n sar yavaad tuluugui bol collection-d ormoor. tegeed tuluhgui dahij jool udval nuguuh chin 5000, 6000 bolchihno. 5000-gaas hetersen ued police arrest hiigeed ehelne shtee... balai yum bolj dee. manaihan joohon hariutslaga gedeg yum surmaar yum shig.

too irresponsible those who don't care their cards.

okay, i'm applying for the american express cc then...

usually american express cards have annual fee. but only Blue from Amex has no fee.

namaig capital one ii mileage bonus cardnii offeruud bombogdoj baigaa ter mileage n her ur ogoojtoig medehgui biz humuusee?

minii mc ch gesen mashin rental insurance coveragetai bas electronic baraanii uildveriin batalgaag neg jil sungadag optiontoi l doo.

don't know about master cards... there're some american express cards with no annual fee. those am-express cards have low or no rewards/points... which is the same as some visa cards.

sar buriinhee balansiig buren toloh n zuitei yu jaahang uldeej baih n deer uu?

- balance-g 6 sard tolood duusgachihaj baiwal deer baihaa..
- neeree car dealer, ene ter credit shalgadag application bitii boglojii onts shaardlagagui bol, tegej shalgah burd 3 point hasagddag gej sonssiim bna, yag hediig ni medehgui ch hasagddag yum.. number of credit inquiries geed credit history-goo uzehed baijiidiim each and all of em..

Is it possible to check my credit score? If it's possible how do I check it?

Devil-220 написал:Is it possible to check my credit score? If it's possible how do I check it?

There is a difference between credit score and credit profile. Credit score is just a number of which different agency have different rules of calculating them. So 700 score from Transunion would not be as same as 700 from Equifax etc.

Federal government allows you to check your credit profile from three different agencies once a year for free. Otherwise, to check your credit you will need to purchase it from those agencies. And there is another way, if you'll ask I will let you about it. The free report is only for credit profile, so to see your credit score, you will need to purchase it.

To request your free report:

www.annualcreditreport.com

Hundaga написал:- balance-g 6 sard tolood duusgachihaj baiwal deer baihaa..
- neeree car dealer, ene ter credit shalgadag application bitii boglojii onts shaardlagagui bol, tegej shalgah burd 3 point hasagddag gej sonssiim bna, yag hediig ni medehgui ch hasagddag yum.. number of credit inquiries geed credit history-goo uzehed baijiidiim each and all of em..

er n chadaj baival ter dor n tuluud duusgasan n deer. 6n sard gevel interest nemegdeed, tegeed ch bas credit historyd muugaar bichigddeg. er n tegeed tulj chadah zuildee munguu zartsuulj surah heregtei dee, tulj chadahgui zuilee credit cardaaraa avah chin joohon tiim, bodlogogui biz dee...

urt hugatsaand tolj duusgaval credit history-d sainaar nolooldog. introductory intrerest free period deer ni heden saraar sungaj duusgaval deer.

сайхан мэдэмхийрч байна аа энэ нса? өрийн картаа сард нь төлж дуусгаад, машин хаусныхаа зээлээ аль болох хугацаанаас нь өмнө төлж дуусгавал кредит хисторий чинь сайжирна уу гэхээс, сардаа төлж чадахгүй зүйлд мөнгөө зарцуулдаг хүний хисторий ямар логикоор сайжрах юм бэ? кредит түүх чинь нэг ёсондоо тэр хүний мөнгөө хэр зөв зарцуулдаг, авсан зүйлүүдээ сардаа он тайм хэр бүрэн төлж чадаж байгааг л дүгнэж байгаа штээ. тэгээд 6 сар сунгаад бага багаар, интэрэст нэмж төлж байгаа чинь мөнгөө зөв зохицуулж чадахгүйг л харуулж байгаа болохоор тийм хүмүүсийн кредит түүх нь сайн байдаггүй үсэрээд л 600, эсвэл 700 хүрдэггүй л байдаг бх. 600 meaning that, he's an OKAY user who "usually" finishes his/her payments but for an extented time period, so set his/her loan interest rates some X amount of percent up, etc.

Why the hell are you talking about extended period of time? And who said you have to pay interest? If you payed attention, I said "introductory interest free period deer ni duusgaval deer". Interest free means no interest.

Yagaad urt hugatsaand tolj duusgaval credit rating-d deer ve gevel mashin, baishin geh met big investment-iin zeel shig shig urt hugatsaand toloh chadvariig chine haruulna. Herev jishee ni 6 sariin interest free period deer $1000-iin balance-iig 6 sard huvaaj tolj duusgaval interest tolohgui. Bankuud zeel ogch sar bur ternii huugeer mongo oldog tul chinii udaan hugatsaagaand tolj duusgasan history tedend sain haragdana.

Dor ni tolood baij bolno. Tegehed credit chine muurahgui. Gehdee bas saijrahgui.

Mongoliin cardnuud AVS (Address Verification System) gedeg systemd hamragdaagui, billing hayag shalgah bolomjgui tul ihewchlen ihenh uilchilgee uzuulegchided gologddog.. Mun USA-d hunii cardnaas mongo erh awahad ni herhen ashiglah tutorial deer ni overseas bank cards, especially 3rd world Asian countries, plus Ukrain & Brasil geh met high-risk ornuudiin cardnuud luivariin zorilgoor ih ashiglagddag tul uilchilgee uzuulehees bolj ogwol tatgalzaj baihiig zowolson baidiim bna lee..

hundaga ih heregtei yum bichsen baina. bayarlalaa. izzz wireless d sanaa zovoh shaardlagagui.

amerikiin bankuud jinhene moljdog yum bainashd. yadag yadag genuu. offeruud yavuulchaad offeriig ni sonirhohoor hasah onoo ogdog genuu. scandinaviin bankuud chamd huu l ogood baina. 1, 2 dollar ch dansnaas chin avahgui. kartandaa mongo hiinguut shuud realtime dansand chin orno. oroi zurahad nogoo hiisen mongoo l avch baina gesen ug.
atm uudees mongo avahad yamar ch shimtgelgui. harin ondoo banknii atmees oroi 24 tsagaas hoish mongo avahad 1 dollar ch biluu toldog gesen.

bankaar ochij uilchluulehed bas mongo tolohgui. overdraft ruu orchood baigaach nemj kartaaraa zurahad mongo tolohgui. overdraft ni gants togtmol huutei. overdraft d orson oroogui barag yalgaa baihgui. uchir ni toloh shimtgel ni mash baga bolohoor barag medregddeggui. mongol ruu hed ch hamaagui mongo yavuulahad 5 dollar.

Frost написал:hundaga ih heregtei yum bichsen baina. bayarlalaa. izzz wireless d sanaa zovoh shaardlagagui.

amerikiin bankuud jinhene moljdog yum bainashd. yadag yadag genuu. offeruud yavuulchaad offeriig ni sonirhohoor hasah onoo ogdog genuu. scandinaviin bankuud chamd huu l ogood baina. 1, 2 dollar ch dansnaas chin avahgui. kartandaa mongo hiinguut shuud realtime dansand chin orno. oroi zurahad nogoo hiisen mongoo l avch baina gesen ug.
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you're talking about debit card, he was talking about credit card offer. there's a difference my friend.

quoted from hundaga.

visa, master "debit card" (ooroor helbel "checking") - banknii engiin dans buyu checking account-nii cardnuud.. manaihan (bi ch gesen) eneniigaa hasah ruu oruulaal baahan "overdraft fee" geechid nachignatal shataj uzejiij uhaan suujiigaam daa.. ihenh bank ruu ajiliin checkee hiihed ter ni ajiliin 2-3 odor boljiij dansand mongo chin "available" boldog gedegiig, mun oroi bankindaa mongo hiicheed oroi ni garaad baahan cardaa zurchihaar ter omno hiisen mongo chin "next business day"-r bankind orson gej tootsoologdood, ter oroinii zursanguud chin dansiig chin hasah ruu oruulaad zuralt burd 25-35$ overdraft fee awdag geel.. medehed ih zugaatai.. manaihan bur ugsruulj overdraft orood, teriigaa medehgui 2-3 sar yawaad odor bur 5$ chargeluulaad 500-1000$ dan feend toldog tohioldol ASAR IH!!! (nadaas utasnii card awdag humuus medehgui tegeel uilaal yarij asuuj l baidiim..

end of quote.

i was talking about debit card.
and hundaga was talking about both of em.

you were comparing credit card offers with european debit card qualities. hundaga is flawed nonetheless, checks usually take 1 business day to be cleared not 2-3 days.

Overlimit fee chargeluultsan bol: Bi neg udaa credit card ndaa $35 overlimit fee chargeluulaad internet bank d postlosonii margaash ni customer service luu ni evteihen guij yariad Reversal hiilgesen. Herev yamar 1 fee chargeluultsan bol ayataihan yariad guij bolj magad, gehdee certain bankuud bhaa, bugd bish.

Anukana написал:Overlimit fee chargeluultsan bol: Bi neg udaa credit card ndaa $35 overlimit fee chargeluulaad internet bank d postlosonii margaash ni customer service luu ni evteihen guij yariad Reversal hiilgesen. Herev yamar 1 fee chargeluultsan bol ayataihan yariad guij bolj magad, gehdee certain bankuud bhaa, bugd bish.

tegej heleed 200 garui dollar-n or daruulj bsiin bna ke ke ke ... ... WAMU bsan bhaa ...