Author Topic: Misc Credit Card Questions (Read 1902362 times)

mmgfarb · « **Reply #6860 on:** January 02, 2018, 10:51:55 PM »

Quote from: PillanSmye on January 02, 2018, 10:51:13 PM

No, some banks cancel out $1 or $2. If they require payment of the amount, it gets reported.

I stand corrected.

PillanSmye · « **Reply #6861 on:** January 02, 2018, 10:55:55 PM »

Quote from: mmgfarb on January 02, 2018, 10:51:55 PM

I stand corrected.

You can leave $2 on Discover and they will write it off as a "small balance credit". And you can do it every month. Forever. Basically Discover will pay you $24/yr to keep their CC.

davidrotts63 · « **Reply #6862 on:** January 02, 2018, 11:00:27 PM »

Quote from: PillanSmye on January 02, 2018, 10:55:55 PM

You can leave $2 on Discover and they will write it off as a "small balance credit". And you can do it every month. Forever. Basically Discover will pay you $24/yr to keep their CC.

I like the way you put it. But isn't it $1.99 or less $2 already they won't credit you?

PillanSmye · « **Reply #6863 on:** January 03, 2018, 12:58:02 AM »

Quote from: davidrotts63 on January 02, 2018, 11:00:27 PM

I like the way you put it. But isn't it $1.99 or less $2 already they won't credit you?

I think it's actually $2.99. $2 gets waived for sure.

I've bought lots of $2 Amazon gift cards

It's also the reason the $2 trick is the $3 trick if implemented via Discover.

a good yeshiva bachur · « **Reply #6864 on:** January 03, 2018, 01:41:31 AM »

Quote from: PillanSmye on January 02, 2018, 10:49:37 PM

Yes

Like?

PillanSmye · « **Reply #6865 on:** January 03, 2018, 10:58:26 AM »

Quote from: a good yeshiva bachur on January 03, 2018, 01:41:31 AM

Like?

ThankYou

mmgfarb · « **Reply #6866 on:** January 03, 2018, 11:40:28 AM »

Quote from: PillanSmye on January 03, 2018, 10:58:26 AM

ThankYou

Yaalili · « **Reply #6867 on:** January 03, 2018, 01:30:31 PM »

If I paid Amex credit card balance online from my bank account and would like to send them a check instead for the payment from another account. Can this be done?

Will the check be accepted and credit made available on the card, or would the payment check be rejected as balance been paid in full?

davidrotts63 · « **Reply #6868 on:** January 03, 2018, 01:31:58 PM »

Quote from: Yaalili on January 03, 2018, 01:30:31 PM

If I paid Amex credit card balance online from my bank account and would like to send them a check instead for the payment from another account. Can this be done?

Will the check be accepted and credit made available on the card, or would the payment check be rejected as balance been paid in full?

They let you pay over your balance, I'm not sure if they limit how much, or if it's different if you don't owe anything.

mmgfarb · « **Reply #6869 on:** January 03, 2018, 01:32:42 PM »

Quote from: Yaalili on January 03, 2018, 01:30:31 PM

If I paid Amex credit card balance online from my bank account and would like to send them a check instead for the payment from another account. Can this be done?

Will the check be accepted and credit made available on the card, or would the payment check be rejected as balance been paid in full?

Can you still cancel the payment?

Yaalili · « **Reply #6870 on:** January 03, 2018, 01:33:12 PM »

Quote from: mmgfarb on January 03, 2018, 01:32:42 PM

Can you still cancel the payment?

Payment has been made over a week ago, can’t.

shloim4334 · « **Reply #6871 on:** January 03, 2018, 02:02:17 PM »

Hi,
If I have cc with an annual fee, and by the end of the year i downgrade it to a card with a $0 annual fee, will they charge me for the part of the year that i did have the other card (Chase/Capital One)?
thanks

TimT · « **Reply #6872 on:** January 03, 2018, 02:09:15 PM »

Quote from: shloim4334 on January 03, 2018, 02:02:17 PM

Hi,
If I have cc with an annual fee, and by the end of the year i downgrade it to a card with a $0 annual fee, will they charge me for the part of the year that i did have the other card (Chase/Capital One)?
thanks

Did you pay the AF the first month ?

shloim4334 · « **Reply #6873 on:** January 03, 2018, 02:18:50 PM »

TimT · « **Reply #6874 on:** January 03, 2018, 02:27:33 PM »

Quote from: shloim4334 on January 03, 2018, 02:18:50 PM

no

Which chase card is due end of year ?

davidrotts63 · « **Reply #6875 on:** January 03, 2018, 02:40:28 PM »

Quote from: TimT on January 03, 2018, 02:27:33 PM

Which chase card is due end of year ?

Maybe it was just another way of asking if it's prorated?

PillanSmye · « **Reply #6876 on:** January 03, 2018, 07:27:57 PM »

I swear everyone in this thread does everything in their power to make their life more difficult.

mmgfarb · « **Reply #6877 on:** January 03, 2018, 08:03:58 PM »

Quote from: PillanSmye on January 03, 2018, 07:27:57 PM

I swear everyone in this thread does everything in their power to make their life more difficult.

Lol, too true.

yosef789 · « **Reply #6878 on:** January 04, 2018, 02:06:58 PM »

Quote from: ckmk47 on January 02, 2018, 12:58:07 PM

no. But keep some action on that card, because you don't want it cancelled. 'Length of credit history' is a factor in your score.

Thanks

Mr. CC · « **Reply #6879 on:** January 07, 2018, 09:41:34 AM »

Quote from: shloim4334 on January 03, 2018, 02:02:17 PM

Hi,
If I have cc with an annual fee, and by the end of the year i downgrade it to a card with a $0 annual fee, will they charge me for the part of the year that i did have the other card (Chase/Capital One)?
thanks

If you weren't yet charged the annual fee, then I guess it's waved the first year. Then no you won't be charged at all if you downgrade early enough.

If you were charged in the beginning of the year then you'll get back the percentage that you didn't use.

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Author Topic: Misc Credit Card Questions (Read 1902362 times)