Author Topic: Misc Credit Card Questions  (Read 1865584 times)

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Misc Credit Card Questions
« Reply #7580 on: April 20, 2018, 11:24:01 AM »
Can I get the Hyatt credit card and signup bonus if I currently have the card, but my signup was 3 years ago?
If you close it now.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Online ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 7961
  • Total likes: 1044
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Misc Credit Card Questions
« Reply #7581 on: April 20, 2018, 12:03:04 PM »
The Southwest biz app seemed a bit complicated for a sole proprietor.  It asked about my type of business, and some specifics I  had trouble answering.
Any ideas for a 'derech' to fill it out? what should be my overarching theme?
My favorite cause: cssy.org

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6738
  • Total likes: 1097
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: Misc Credit Card Questions
« Reply #7582 on: April 20, 2018, 12:25:59 PM »
If all else fails: Individual - Individual - Individual
I just found a new supply of forks!

Online ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 7961
  • Total likes: 1044
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Misc Credit Card Questions
« Reply #7583 on: April 20, 2018, 02:31:09 PM »
If all else fails: Individual - Individual - Individual
I'll try again.
Thanks.

My favorite cause: cssy.org

Offline as2

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5671
  • Total likes: 917
  • DansDeals.com Hat Tips 24
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #7584 on: April 20, 2018, 03:58:09 PM »
The Southwest biz app seemed a bit complicated for a sole proprietor.  It asked about my type of business, and some specifics I  had trouble answering.
Any ideas for a 'derech' to fill it out? what should be my overarching theme?
I always give answers that line up with my spending habits.
Memories last forever, make them while you can.

Online LNS

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Aug 2017
  • Posts: 800
  • Total likes: 278
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #7585 on: April 20, 2018, 06:22:48 PM »
how much time to call recon after being denied by amex ?
i know the sooner the better but is there a time frame before it has to be a whole new app?

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8355
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #7586 on: April 20, 2018, 06:47:10 PM »
how much time to call recon after being denied by amex ?
i know the sooner the better but is there a time frame before it has to be a whole new app?
30 days from the date of the last letter being sent out.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Online LNS

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Aug 2017
  • Posts: 800
  • Total likes: 278
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #7587 on: April 21, 2018, 10:08:48 PM »
30 days from the date of the last letter being sent out.

when i checked status online it says canceled not denied. what does that mean ?

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8355
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #7588 on: April 21, 2018, 10:15:41 PM »
when i checked status online it says canceled not denied. what does that mean ?
It means that your app was canceled before they actually made a decision on it. Could be for many different reasons like multiple apps within 90 days, address verification or something like that.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Online LNS

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Aug 2017
  • Posts: 800
  • Total likes: 278
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #7589 on: April 21, 2018, 11:31:48 PM »
It means that your app was canceled before they actually made a decision on it. Could be for many different reasons like multiple apps within 90 days, address verification or something like that.
so can still call recon and figure it out or have to reapply?
what about inquiry?

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8355
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #7590 on: April 21, 2018, 11:38:06 PM »
so can still call recon and figure it out or have to reapply?
what about inquiry?
If it's been less than 30 days since the app they should be able to reopen the app, possibly longer. Call recon.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Online LNS

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Aug 2017
  • Posts: 800
  • Total likes: 278
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #7591 on: April 21, 2018, 11:53:06 PM »
If it's been less than 30 days since the app they should be able to reopen the app, possibly longer. Call recon.

okay thanks will do

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Misc Credit Card Questions
« Reply #7592 on: April 22, 2018, 10:51:09 AM »
Currently, is it riskier to do a $1k (maybe a little less) refund with Amex or Chase ?

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8355
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #7593 on: April 22, 2018, 11:51:30 AM »
Currently, is it riskier to do a $1k (maybe a little less) refund with Amex or Chase ?
What do you mean?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Misc Credit Card Questions
« Reply #7594 on: April 22, 2018, 12:24:25 PM »
What do you mean?
Banks aren’t too happy seeing “large” refunds. Which bank is less happy & more likely to possibly take action ?
This place said my Chase card declined so I gave an AMEX. They both posted.

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8355
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #7595 on: April 22, 2018, 12:38:40 PM »
Banks aren’t too happy seeing “large” refunds. Which bank is less happy & more likely to possibly take action ?
This place said my Chase card declined so I gave an AMEX. They both posted.
I wouldn't think that you'd have a problem with $1k at either bank but go with amex if you're worried.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Misc Credit Card Questions
« Reply #7596 on: April 22, 2018, 12:47:45 PM »
Was thinking the same. Thanks

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Misc Credit Card Questions
« Reply #7597 on: April 22, 2018, 12:57:09 PM »
I wouldn't think that you'd have a problem with $1k at either bank but go with amex if you're worried.
It's notable that if you are in middle of a spend threshold for a SUB, I'd refrain from doing this with Amex
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Misc Credit Card Questions
« Reply #7598 on: April 22, 2018, 12:59:58 PM »
It's notable that if you are in middle of a spend threshold for a SUB, I'd refrain from doing this with Amex
Amex is worse in regards to SUB ? (These cards are old)

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8355
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
Misc Credit Card Questions
« Reply #7599 on: April 22, 2018, 01:04:04 PM »
Amex is worse in regards to SUB ? (These cards are old)
They're more touchy with regards to returns during the SUB spend but it's usually only a problem if you have a return after hitting the full SUB amount.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy