Author Topic: Misc Credit Card Questions  (Read 1864856 times)

Offline 12HRS

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Re: Misc Credit Card Questions
« Reply #7340 on: March 13, 2018, 12:09:02 AM »
if i close an amex cc to go from 4 to 3, can I apply right after or it takes a day or 2 to process the removal?

its 5 cc these days btw

Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #7341 on: March 13, 2018, 12:09:17 AM »
if i close an amex cc to go from 4 to 3, can I apply right after or it takes a day or 2 to process the removal?
Immediate. (unsure if that's only through recon) but maybe apply for number 5 to see if you get lucky, and if you need to close it with recon
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Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #7342 on: March 13, 2018, 12:09:37 AM »
its 5 cc these days btw
Isn't it YMMV?
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Offline 12HRS

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Re: Misc Credit Card Questions
« Reply #7343 on: March 13, 2018, 12:18:49 AM »
Isn't it YMMV?

I may be wrong but I haven't seen a report of 4 being the limit in a while

Offline mord1

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Re: Misc Credit Card Questions
« Reply #7344 on: March 13, 2018, 12:19:11 AM »
its 5 cc these days btw
so i currently have 5, 1 of which was a hilton honors card, which I got an email to upgrade to a surpass and got 100k points for the upgrade at the end of 17, any problem with closing that? RAT come after me for that?

Offline 12HRS

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Re: Misc Credit Card Questions
« Reply #7345 on: March 13, 2018, 12:21:54 AM »
so i currently have 5, 1 of which was a hilton honors card, which I got an email to upgrade to a surpass and got 100k points for the upgrade at the end of 17, any problem with closing that? RAT come after me for that?

I personally wouldn't worry about the RAT in this situation

Offline mord1

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Re: Misc Credit Card Questions
« Reply #7346 on: March 13, 2018, 12:25:11 AM »
I personally wouldn't worry about the RAT in this situation
ok, thats what I thought also, thanks. 
I also have  a biz plus, so I dont see any reason to keep the everyday card open anymore either. agreed?

Offline 12HRS

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Re: Misc Credit Card Questions
« Reply #7347 on: March 13, 2018, 12:26:20 AM »
ok, thats what I thought also, thanks. 
I also have  a biz plus, so I dont see any reason to keep the everyday card open anymore either. agreed?

Assuming you can't max out the 50k?

edp still could be worth it on the grocery category depending on your situation

Offline mord1

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Re: Misc Credit Card Questions
« Reply #7348 on: March 13, 2018, 12:30:09 AM »
Assuming you can't max out the 50k?

edp still could be worth it on the grocery category depending on your situation
probably not right now.
I have the everyday card- no af, NOT the EDP with the $95 fee

Offline 12HRS

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Re: Misc Credit Card Questions
« Reply #7349 on: March 13, 2018, 12:39:00 AM »
sounds good to me

Offline yitzgar

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Re: Misc Credit Card Questions
« Reply #7350 on: March 13, 2018, 12:50:31 AM »

Offline yitzgar

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Re: Misc Credit Card Questions
« Reply #7351 on: March 13, 2018, 12:51:23 AM »
So why is that worthless? Can be better than the Freedom or FU, depending on what your doing with it.
I agree not at all worthless. Any other no af cards out there with 2x on dining?

Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #7352 on: March 13, 2018, 12:52:04 AM »
I agree not at all worthless. Any other no af cards out there with 2x on dining?
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Offline yitzgar

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Re: Misc Credit Card Questions
« Reply #7353 on: March 13, 2018, 12:52:50 AM »

Offline eis517

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Re: Misc Credit Card Questions
« Reply #7354 on: March 13, 2018, 09:54:36 AM »
I am going to be making a large purchase in Canada. Any idea how Visa exchange rates compares to banks? Does it make sense to put it on my Ink card, or just use cash? It is for tuition, so dont need the protections. Just curious about the rates Visa gives.

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #7355 on: March 13, 2018, 10:24:05 AM »
I am going to be making a large purchase in Canada. Any idea how Visa exchange rates compares to banks? Does it make sense to put it on my Ink card, or just use cash? It is for tuition, so dont need the protections. Just curious about the rates Visa gives.
I've found Visa exchange rates competitive.
Maybe you can call Visa and your bank on the same day as the payment to get a direct comparison.
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Offline ME17

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Re: Misc Credit Card Questions
« Reply #7356 on: March 13, 2018, 10:33:59 AM »
applied for Ink card and got a letter asking for federal ID, bank statements, tax return, I called and rep won''t give in. Do I try again or just give up and re-apply? Also Is it risky to apply for the Ink card for DW now? should we wait?

Offline US

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Re: Misc Credit Card Questions
« Reply #7357 on: March 13, 2018, 10:37:00 AM »


You can upgrade even with a lower CL,
BTW, they didn't wanna upgrade unless I transfer some credit from different CC.


Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #7358 on: March 13, 2018, 11:11:23 AM »
BTW, they didn't wanna upgrade unless I transfer some credit from different CC.
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Offline mord1

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Re: Misc Credit Card Questions
« Reply #7359 on: March 13, 2018, 11:12:44 AM »
applied for aspire- got 14 day message- i was going to apply for MB platinum- any harm in doing that also?