Author Topic: Misc Credit Card Questions (Read 1896565 times)

davidrotts63 · « **Reply #7020 on:** February 02, 2018, 11:38:12 AM »

Quote from: PillanSmye on February 02, 2018, 11:30:55 AM

Umm. No.

What inaccuracies have you found?

PillanSmye · « **Reply #7021 on:** February 02, 2018, 04:15:15 PM »

Quote from: davidrotts63 on February 02, 2018, 11:38:12 AM

What inaccuracies have you found?

Almost all of the credit monitoring services, daily pullers etc have their quirks and issues especially as they relate to the accounts listed etc on your actual reports. Credit Check Total, Credit Karma etc.

The only way to really know what's happening with your reports is to get them from the CRA's.

davidrotts63 · « **Reply #7022 on:** February 02, 2018, 04:16:59 PM »

Quote from: PillanSmye on February 02, 2018, 04:15:15 PM

Almost all of the credit monitoring services, daily pullers etc have their quirks and issues especially as they relate to the accounts listed etc on your actual reports. Credit Check Total, Credit Karma etc.

The only way to really know what's happening with your reports is to get them from the CRA's.

Can I have an example?
I've never seen CK be inaccurate by me

PillanSmye · « **Reply #7023 on:** February 02, 2018, 04:20:25 PM »

Quote from: mmgfarb on February 01, 2018, 12:16:17 PM

A FAKO score is a score that anyone comes up with using an algorithm they developed themselves, not using ~~the CB's~~ algorithm. It doesn't really make sense to say that anything is an "accurate FAKO."

If it doesn't say FICO©, it's a FAKO. There are rare exceptions like Capital One has their own scoring system that is actually applicable to their underwriting and account management

PillanSmye · « **Reply #7024 on:** February 02, 2018, 04:21:59 PM »

Quote from: davidrotts63 on February 02, 2018, 04:16:59 PM

Can I have an example?
I've never seen CK be inaccurate by me

Go to Creditboards or MyFico if you want to see huge threads on the disparities between daily puller reports and the actual CRA reports.

Pesach · « **Reply #7025 on:** February 04, 2018, 01:09:25 AM »

is chase rule of being only eligible to receive the bonus once every 24 months apply to closing the card, receiving the bonus,or opening the card ?3 different answers from reps

davidrotts63 · « **Reply #7026 on:** February 04, 2018, 01:12:10 AM »

Quote from: Pesach on February 04, 2018, 01:09:25 AM

is chase rule of being only eligible to receive the bonus once every 24 months apply to closing the card, receiving the bonus,or opening the card ?3 different answers from reps

1. DROPR
2. definitely not closing the card.
3. I've heard conflicting reports, whether its the bonus or card opening.
I would appreciate clarification myself

TimT · « **Reply #7027 on:** February 04, 2018, 01:16:05 AM »

“This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.”

davidrotts63 · « **Reply #7028 on:** February 04, 2018, 01:19:13 AM »

Quote from: TimT on February 04, 2018, 01:16:05 AM

“This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.”

My logic tells me the bonus, but I've been told otherwise...

mmgfarb · « **Reply #7029 on:** February 04, 2018, 01:35:35 AM »

Quote from: PillanSmye on February 02, 2018, 04:20:25 PM

If it doesn't say FICO, it's a FAKO. There are rare exceptions like Capital One has their own scoring system that is actually applicable to their underwriting and account management

That was my point exactly.

US · « **Reply #7030 on:** February 04, 2018, 11:37:36 PM »

If I'm pre-approved for a card, Is there any difference applying with that link or regular application on their site? (For the same card)

mmgfarb · « **Reply #7031 on:** February 05, 2018, 12:47:38 AM »

Quote from: US on February 04, 2018, 11:37:36 PM

If I'm pre-approved for a card, Is there any difference applying with that link or regular application on their site? (For the same card)

It has to be the actual link. What bank are you talking about?

davidrotts63 · « **Reply #7032 on:** February 05, 2018, 12:53:22 AM »

Quote from: US on February 04, 2018, 11:37:36 PM

If I'm pre-approved for a card, Is there any difference applying with that link or regular application on their site? (For the same card)

Generally if you'll be approved it'll be regardless, but you won't have the "pre-approved" advantage without it.

carolmerc10 · « **Reply #7033 on:** February 05, 2018, 06:23:18 AM »

Quote from: US on February 04, 2018, 11:37:36 PM

If I'm pre-approved for a card, Is there any difference applying with that link or regular application on their site? (For the same card)

No difference. As far as I know, 'pre-approved' means that you are simply at a stage before approval.
'Pre-approved' is also very often used by advertisers and other lead generators to induce you to fill out the form on their websites.

It doesn't, however, mean that you are guaranteed a credit card or a loan. Please correct me if I'm wrong.

davidrotts63 · « **Reply #7034 on:** February 05, 2018, 08:17:25 AM »

Quote from: carolmerc10 on February 05, 2018, 06:23:18 AM

No difference. As far as I know, 'pre-approved' means that you are simply at a stage before approval.
'Pre-approved' is also very often used by advertisers and other lead generators to induce you to fill out the form on their websites.

It doesn't, however, mean that you are guaranteed a credit card or a loan. Please correct me if I'm wrong.

Nothing is guaranteed, but I believe you are confusing pre-qualified to apply, which is effectively nothing.

stmark · « **Reply #7035 on:** February 05, 2018, 08:38:11 AM »

If I purchase items from a website using amazon pay. And I use my Chase Amazon visa CC. Do I get the 5% bonus (I have prime)?
(items are not sold on amazon's website)
TIA

TimT · « **Reply #7036 on:** February 05, 2018, 11:58:33 AM »

I called Amex about a charge from a few weeks ago I didn’t recognize. The rep gets on with fraud & then tells me fraud sees the same thing was charged several months ago. Regular rep can’t see it & I checked my statement & don’t either see it. How’s that possible ?

davidrotts63 · « **Reply #7037 on:** February 05, 2018, 12:28:23 PM »

Quote from: TimT on February 05, 2018, 11:58:33 AM

I called Amex about a charge from a few weeks ago I didn’t recognize. The rep gets on with fraud & then tells me fraud sees the same thing was charged several months ago. Regular rep can’t see it & I checked my statement & don’t either see it. How’s that possible ?

Was it charged a few months ago, or blocked?

TimT · « **Reply #7038 on:** February 05, 2018, 12:41:06 PM »

Quote from: davidrotts63 on February 05, 2018, 12:28:23 PM

Was it charged a few months ago, or blocked?

Fraud said they see such a charge but nobody else sees it. The charge 2 weeks ago does show up.

DansDealsLover · « **Reply #7039 on:** February 05, 2018, 12:52:14 PM »

NT: Is there any effect on my credit from closing a business platinum charge card? I know I could downgrade it to a free card but what's the point?

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Author Topic: Misc Credit Card Questions (Read 1896565 times)