Author Topic: Misc Credit Card Questions  (Read 293722 times)

Offline Pad18

  • Dansdeals Silver Elite
  • **
  • Join Date: Apr 2014
  • Posts: 56
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Misc Credit Card Questions
« Reply #6705 on: November 12, 2017, 08:04:45 PM »

Offline a good yeshiva bachur

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Dec 2015
  • Posts: 952
  • Total likes: 34
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #6706 on: November 12, 2017, 09:03:30 PM »
To what cc ?

To the one with no fee

Offline helpyouamdme

  • Dansdeals Bronze Elite
  • *
  • Join Date: Aug 2017
  • Posts: 48
  • Total likes: 7
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
    • contact ‘Kоѕhеr Ski Club’ for the experience of a lifetime!
  • Location: NY
Re: Misc Credit Card Questions
« Reply #6707 on: November 12, 2017, 09:34:34 PM »
The experience of a lifetime! http://kosherskiclub.com/

Offline Pad18

  • Dansdeals Silver Elite
  • **
  • Join Date: Apr 2014
  • Posts: 56
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Misc Credit Card Questions
« Reply #6708 on: November 13, 2017, 09:03:15 AM »
To the one with no fee

So because it is the same, I can't 'downgrade', need to close mine and apply for the same card again.

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5161
  • Total likes: 39
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Misc Credit Card Questions
« Reply #6709 on: November 13, 2017, 09:38:01 AM »
So because it is the same, I can't 'downgrade', need to close mine and apply for the same card again.
Ask if there's anything it can be converted to that has no AF.

Offline Pad18

  • Dansdeals Silver Elite
  • **
  • Join Date: Apr 2014
  • Posts: 56
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Misc Credit Card Questions
« Reply #6710 on: November 14, 2017, 09:37:09 AM »
Ask if there's anything it can be converted to that has no AF.

Went inside the branch, and again was told same thing, can't downgrade or waive the fee.
Any other other suggestions what is best ?

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5161
  • Total likes: 39
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Misc Credit Card Questions
« Reply #6711 on: November 14, 2017, 10:56:24 AM »
I have a Bankof Cash Rewards open in 2014 (was 1 of my first card) I rarely used it, the anuall fee on it is $39, I just realize that they offer the card with no fee, I called and was told by 2 agents that they can't remove the fee ..

what are my best option ?
For $39 it may be worth keeping it for now.
Is this one of your older cards? If yes, does it lengthen your 'age of accounts' significantly? then keep it open.
Does this have a large credit line? If yes, do you have another Bankof card that you can move the credit line to if you close this one?  If not, keep it open.


If it doesn't age your history or if losing the credit line is not a big hit, just close it and don't look back.

Offline Pad18

  • Dansdeals Silver Elite
  • **
  • Join Date: Apr 2014
  • Posts: 56
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Misc Credit Card Questions
« Reply #6712 on: November 14, 2017, 11:56:20 AM »
Thanks for the respond and help.

Offline Yitzshpitz

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Oct 2014
  • Posts: 340
  • Total likes: 6
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #6713 on: November 14, 2017, 12:29:10 PM »
If I cancelled an Amex card and forgot to transfer credit line. Can I still do it ? (within a week)

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5161
  • Total likes: 39
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Misc Credit Card Questions
« Reply #6714 on: November 14, 2017, 01:18:47 PM »
If I cancelled an Amex card and forgot to transfer credit line. Can I still do it ? (within a week)
call and find out.

Offline chinagel

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2014
  • Posts: 2255
  • Total likes: 43
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: Misc Credit Card Questions
« Reply #6715 on: November 14, 2017, 02:07:55 PM »
has anyone recently gotten more than 2 amex CREDIT cards within 90 days? business or personal

Online mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 5155
  • Total likes: 198
  • DansDeals.com Hat Tips 3
    • View Profile
Misc Credit Card Questions
« Reply #6716 on: November 14, 2017, 04:16:07 PM »
If I cancelled an Amex card and forgot to transfer credit line. Can I still do it ? (within a week)
How long ago did you close it? You can probably reopen it, transfer, then close again.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy