Misc Credit Card Questions

[David Smith]

Any ways to downgrade amex gold 1st year?

It's illegal for the issuer to raise the AF the first year, per the Card Act, which pertains to personal cards. Hence, they don't allow it.

[LoLo]

Does chase pull your credit when asking for a credit line increase?

Yes.

[chinagel]

It's illegal for the issuer to raise the AF the first year, per the Card Act, which pertains to personal cards. Hence, they don't allow it.

is there any card you can downgrade to? like everyday

[JACKBLUE]

It's illegal for the issuer to raise the AF the first year, per the Card Act, which pertains to personal cards. Hence, they don't allow it.

thanks

[pixi]

Will a discover card work before activating it? ( amex does) 

[Zalc]

I recently disputed amex au accounts from my credit report- experian- and they removed them but put a security alert on my credit report. They also contacted transunion and equifax, and they put a security alert also on my credit report. Is this an issue if I apply for a credit card now? They are initial security alerts for 90 days, but not security freezes.

IME It means that no one can approve cards etc for you until they speak to you on the phone and verify they you applied.

You can still apply, but you won't get approved instantly.

[theblakdavid]

IME It means that no one can approve cards etc for you until they speak to you on the phone and verify they you applied.

You can still apply, but you won't get approved instantly.

Oh dear, that's a pain. What about being a red flag in the eyes of the banks? I know if you freeze your experian so chase will pull from the other Cb, it's important not to say that you froze it due to suspected fraud...

[Zalc]

Oh dear, that's a pain. What about being a red flag in the eyes of the banks? I know if you freeze your experian so chase will pull from the other Cb, it's important not to say that you froze it due to suspected fraud...

You should be able to call and remove the security hold.

You can say you froze it because I've of your service providers had a data breach....

How do you get chase to pull from another CB?

[theblakdavid]

You should be able to call and remove the security hold.

You can say you froze it because I've of your service providers had a data breach....

How do you get chase to pull from another CB?

I didn't freeze my credit report. It's called an initial security alert, and they triggered it when I disputed the amex accounts in my my report.

[Zalc]

I didn't freeze my credit report. It's called an initial security alert, and they triggered it when I disputed the amex accounts in my my report.

I think it's Also known as a 90 day Security Hold. Someone correct me if I'm wrong.

Unlike a Freeze, the only thing that changes is that the creditors are supposed to get your approval before opening accounts. But they can access all the info.

[theblakdavid]

I think it's Also known as a 90 day Security Hold. Someone correct me if I'm wrong.

Unlike a Freeze, the only thing that changes is that the creditors are supposed to get your approval before opening accounts. But they can access all the info.

Yes that is correct. Hence my question.

[chinagel]

if i have a card with amex can i apply and get another one of the same at the same time (not for signup bonus)

[emjee]

if i have a card with amex can i apply and get another one of the same at the same time (not for signup bonus)

Sure

[3yummyboys]

Does Dan still have a referral link to chase Hyatt card?

It's not in the CC links master thread.

[username]

Does Dan still have a referral link to chase Hyatt card?

It's not in the CC links master thread.

Dan has no chase links directly, but go through his link to creditcards .com

[3yummyboys]

Dan has no chase links directly, but go through his link to creditcards .com

Can't seem to find Hyatt on there. Oh well, just figured that I'd give him the credit cuz I'm opening two cards.

[eli1571]

With the current AA changes, which card is worth keeping Chase Ua or citi AA exec ?
Usually use the miles for flights to and from Europe.

[LoLo]

With the current AA changes, which card is worth keeping Chase Ua or citi AA exec ?
Usually use the miles for flights to and from Europe.

UA IMO, especially since they're now under the 5/24 rule.

[marktrump]

Is this cc offer ligit make $700 Amax biz plat.   $400  biz gold.      $400 benz. Plat      $150 delta biz they do all the spending....  what's the catch? Cazn this mess up my credit?

[TimT]

Is this cc offer ligit make $700 Amax biz plat.   $400  biz gold.      $400 benz. Plat      $150 delta biz they do all the spending....  what's the catch? Cazn this mess up my credit?

Where do you see this "offer" ?