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DansDeals Forum => Credit Cards => Topic started by: bzam99 on October 16, 2013, 12:05:03 PM

Title: Misc Credit Card Questions
Post by: bzam99 on October 16, 2013, 12:05:03 PM
How about a place to bounce random "credit card" questions off of the crew. I will start:

When does the AMEX Blue Cash Preferred $6k on groceries reset? is that based on the calender year? Is there a way to know if you have already hit the max on it?
Title: Re: Misc Random Questions
Post by: @Yehuda on October 16, 2013, 01:52:34 PM
How about a place to bounce random "credit card" questions off of the crew. I will start:

When does the AMEX Blue Cash Preferred $6k on groceries reset? is that based on the calender year? Is there a way to know if you have already hit the max on it?

I like the idea, but feel like the pros will always know which thread your Q really belongs in.
Title: Re: Misc Random Questions
Post by: CountValentine on October 16, 2013, 06:53:37 PM
Anniversary year, not calendar year.
Title: Re: Misc Random Questions
Post by: @Yehuda on October 17, 2013, 10:12:41 AM
Which cards offer bonuses for adding an AU?
Title: Re: Misc Random Questions
Post by: Marco Polo on October 17, 2013, 10:14:02 AM
Which cards offer bonuses for adding an AU?
Unite Mileage Plus Explorer gives additional 5K for AU.
Title: Re: Misc Random Questions
Post by: @Yehuda on October 17, 2013, 10:36:36 AM
Unite Mileage Plus Explorer gives additional 5K for AU.

Thanks!
Title: Re: Misc Random Questions
Post by: sky121 on October 17, 2013, 10:41:40 AM
Thanks!

But just once.
Title: Re: Misc Random Questions
Post by: @Yehuda on October 17, 2013, 10:50:47 AM
But just once.

+1 Good to know! I want to do it to help build someone's credit (and figured I might as well do it on a card that gives a bonus) but was also curious if that's a way to rack up miles.
Title: Re: Misc Random Questions
Post by: Super Speed on October 17, 2013, 11:00:09 AM
+1 Good to know! I want to do it to help build someone's credit (and figured I might as well do it on a card that gives a bonus) but was also curious if that's a way to rack up miles.
Its not simple that you'll for sure be building his credit adding him as an AU on Chase. Amex is more probable. CMIIW.

Title: Re: Misc Random Questions
Post by: @Yehuda on October 17, 2013, 11:48:00 AM
Its not simple that you'll for sure be building his credit adding him as an AU on Chase. Amex is more probable. CMIIW.

Oo interesting.
Title: Re: Misc Random Questions
Post by: Super Speed on October 17, 2013, 12:03:35 PM
Oo interesting.
Its not for sure but its definitely less probable as Amex asks for your SS# and chase doesn't. Tho there are still ways for it to be done even without your SS#.

Title: Re: Misc Random Questions
Post by: menachem_m on October 17, 2013, 12:28:56 PM
Bofa Virgin gives for bonus au.
Title: Re: Misc Random Questions
Post by: Mirelg on October 17, 2013, 12:31:53 PM
I Got Chase BA card 4 2nd time. will I Receive Bonus?
Title: Re: Misc Random Questions
Post by: @Yehuda on October 17, 2013, 12:59:26 PM
Bofa Virgin gives for bonus au.

+1
Title: Re: Misc Random Questions
Post by: @Yehuda on October 17, 2013, 07:45:48 PM
If my credit report has a pull from "Amex Account Review" should I be concerned? It's a soft pull, so I'm not concerned about it hurting my score, but is that an indication that Amex is looking into me?
Title: Re: Misc Random Questions
Post by: CountValentine on October 18, 2013, 06:29:52 AM
If my credit report has a pull from "Amex Account Review" should I be concerned? It's a soft pull, so I'm not concerned about it hurting my score, but is that an indication that Amex is looking into me?
Nothing to worry about.
Title: Re: Misc Random Questions
Post by: @Yehuda on October 18, 2013, 09:16:04 AM
Nothing to worry about.

Thanks
Title: Re: Misc Random Questions
Post by: Moshe123 on October 18, 2013, 09:55:34 AM
Thanks

Routine.
Title: Re: Misc Random Questions
Post by: HP58 on October 18, 2013, 04:13:39 PM
The month(s) time frame for threshold bonus is 30/60/90 days or 1/2/3 statement closings?
Title: Re: Misc Random Questions
Post by: Super Speed on October 19, 2013, 07:54:27 PM
The month(s) time frame for threshold bonus is 30/60/90 days or 1/2/3 statement closings?
If I understand your question correctly its 90 days.

Title: Re: Misc Random Questions
Post by: HP58 on October 19, 2013, 08:24:30 PM
Thanx.
Title: Re: Misc Random Questions
Post by: @Yehuda on October 20, 2013, 10:14:39 PM
If I already have a card from 1 bank (like AMEX) under a specific address, is it risky to apply for a different AMEX with a different address since I'm using the same SS?
Title: Re: Misc Random Questions
Post by: Yeki89 on October 20, 2013, 11:31:52 PM
Why can't u apply on the same address and switch it online after?
Title: Re: Misc Random Questions
Post by: ari2955 on October 21, 2013, 12:14:29 AM
can I have multiple Amex platinum business card with different tax id's but all the same ss?
Title: Re: Misc Random Questions
Post by: notanonymous on October 21, 2013, 01:57:34 AM
If I already have a card from 1 bank (like AMEX) under a specific address, is it risky to apply for a different AMEX with a different address since I'm using the same SS?
Is one for a business?  That would seem normal.
Title: Re: Misc Random Questions
Post by: Marco Polo on October 21, 2013, 08:24:54 AM
If I already have a card from 1 bank (like AMEX) under a specific address, is it risky to apply for a different AMEX with a different address since I'm using the same SS?
You could say you moved, but you wil probably need to change the address on the first card.
Title: Re: Misc Random Questions
Post by: @Yehuda on October 21, 2013, 09:42:14 AM
Thanks. I was nervous that by using a new address in the app they might see I had a different address already on file and auto-reject me. I went for it anyway, and yes, I was initially rejected. Reason? Billing address verification. LOL
Title: Re: Misc Random Questions
Post by: notanonymous on October 21, 2013, 10:57:43 AM
Thanks. I was nervous that by using a new address in the app they might see I had a different address already on file and auto-reject me. I went for it anyway, and yes, I was initially rejected. Reason? Billing address verification. LOL
After calling, you got the approval?
Title: Re: Misc Random Questions
Post by: @Yehuda on October 21, 2013, 11:38:32 AM
After calling, you got the approval?

I've only started the calling (it was an AOR so there are lots of call to make). Barclays said the main reason for denial was that the address didn't match the one on my credit report. So they approved 1 card.
Title: Re: Misc Random Questions
Post by: Super Speed on October 21, 2013, 11:51:37 AM
I've only started the calling (it was an AOR so there are lots of call to make). Barclays said the main reason for denial was that the address didn't match the one on my credit report. So they approved 1 card.
9 more to go...

Title: Re: Misc Random Questions
Post by: ckmk47 on October 21, 2013, 11:57:34 AM
I Got Chase BA card 4 2nd time. will I Receive Bonus?
The way I understand it, if it's more than a year since you closed the old one, yes.
Title: Re: Misc Random Questions
Post by: Dan on October 21, 2013, 01:20:26 PM
I've only started the calling (it was an AOR so there are lots of call to make). Barclays said the main reason for denial was that the address didn't match the one on my credit report. So they approved 1 card.
No wonder you got no instants.
Title: Re: Misc Random Questions
Post by: @Yehuda on October 21, 2013, 02:59:48 PM
9 more to go...

No wonder you got no instants.

Yeah, I'm a genius.
Title: Re: Misc Random Questions
Post by: ckmk47 on October 21, 2013, 03:48:46 PM
Yeah, I'm a genius.
A learning opportunity for all.
Apply with your old address.  Change to new address after approval.
Title: Re: Misc Random Questions
Post by: @Yehuda on October 21, 2013, 05:03:30 PM
A learning opportunity for all.
Apply with your old address.  Change to new address after approval.

+1
Title: Re: Misc Random Questions
Post by: ari2955 on October 21, 2013, 06:42:57 PM
can I have multiple Amex platinum business cards with different tax id's but all the same ss?
bump
and will I get the bonus?
Title: Re: Misc Random Questions
Post by: ShmuliT on October 30, 2013, 10:01:58 PM
Still learning the ropes with cc's...

I have a new Chase United MileagePlus® Explorer Card with a 2k limit, first ever chase card.

I made a $1300 purchase and then realized that that is utilizing more than half my limit. What are my options?

The charge will only post in a week, should i just cancel?
Should i prepay (i believe this isnt so good to do)?
or should i pay most of it as soon as it posts?
Title: Re: Misc Random Questions
Post by: sky121 on October 30, 2013, 10:09:09 PM
No problem. Just pay off most of it before the statement closes.
Title: Re: Misc Random Questions
Post by: Am on October 31, 2013, 09:10:21 AM
I just got approved for a couple cards with large spending thresholds and I have to make a couple large online purchases this week before those cards arrive. Is there any way to get the cc numbers before they arrive.
Title: Re: Misc Random Questions
Post by: Marco Polo on October 31, 2013, 09:12:45 AM
I just got approved for a couple cards with large spending thresholds and I have to make a couple large online purchases this week before those cards arrive. Is there any way to get the cc numbers before they arrive.
Probably not. Though try calling to see if they can rush the card/s.
Title: Re: Misc Random Questions
Post by: @Yehuda on October 31, 2013, 11:22:18 PM
Do all point programs allow spouses to combine points?
Title: Re: Misc Random Questions
Post by: Marco Polo on October 31, 2013, 11:43:02 PM
Do all point programs allow spouses to combine points?
No.
Title: Re: Misc Random Questions
Post by: @Yehuda on October 31, 2013, 11:45:09 PM
Any tips on which ones do?
Title: Re: Misc Random Questions
Post by: Marco Polo on October 31, 2013, 11:47:42 PM
Any tips on which ones do?
This is not extensive, but UR,BA,MR, SPG and i'm sure others. I know the HH cannot be combined. Please CMIIW.
Title: Re: Misc Random Questions
Post by: Moishel on October 31, 2013, 11:54:43 PM
Is a canceled UE worth anything in the airport? ie. checked baggage etc.
And if I paid for united ticket with an amex, does having an active UE card at the time of boarding help?
Title: Re: Misc Random Questions
Post by: ckmk47 on October 31, 2013, 11:55:54 PM
bump
and will I get the bonus?
http://forums.dansdeals.com/index.php?topic=17834.msg616117;topicseen#msg616117  post 880 and it's answer and other posts.
Title: Re: Misc Random Questions
Post by: @Yehuda on November 01, 2013, 12:08:20 AM
This is not extensive, but UR,BA,MR, SPG and i'm sure others. I know the HH cannot be combined. Please CMIIW.

Thanks!
Title: Re: Misc Random Questions
Post by: Marco Polo on November 01, 2013, 12:16:58 AM
Is a canceled UE worth anything in the airport? ie. checked baggage etc.
And if I paid for united ticket with an amex, does having an active UE card at the time of boarding help?
Probably can get priority boarding, maybe checked bags as well.
Title: Re: Misc Random Questions
Post by: Am on November 01, 2013, 12:19:30 AM
I just got approved for a couple cards with large spending thresholds and I have to make a couple large online purchases this week before those cards arrive. Is there any way to get the cc numbers before they arrive.
Probably not. Though try calling to see if they can rush the card/s.
I've never gotten one before so not familiar with them but could I get a virtual cc# from citi before my first card arrives? Would that help my problem?
Title: Re: Misc Random Questions
Post by: Marco Polo on November 01, 2013, 12:21:10 AM
I've never gotten one before so not familiar with them but could I get a virtual cc# from citi before my first card arrives? Would that help my problem?
Just give them a call and ask, can't hurt.

Don't think virtual CC will get you points. Please CMIIW
Title: Re: Misc Random Questions
Post by: ckmk47 on November 01, 2013, 12:40:49 AM
Just give them a call and ask, can't hurt.

Don't think virtual CC will get you points. Please CMIIW
To CYBYW:  Virtual cards are temporary card numbers from your real cc.  The charges get posted on your real cc account.  They get points the same as your regular cc. Just that the temporary card number only works once.

I think it may work for  your situation, Am. 
Asking to expedite delivery of the card  usually gets it to you pretty quickly, too.  Especially with Amex.
Title: Re: Misc Random Questions
Post by: Marco Polo on November 01, 2013, 08:48:02 AM
To CYBYW:  Virtual cards are temporary card numbers from your real cc.  The charges get posted on your real cc account.  They get points the same as your regular cc. Just that the temporary card number only works once.

I think it may work for  your situation, Am. 
Asking to expedite delivery of the card  usually gets it to you pretty quickly, too.  Especially with Amex.
Thanks for the info.
Title: Re: Misc Random Questions
Post by: ushdadude on November 03, 2013, 11:45:09 AM
does preapproved for cc upgrade mean no credit pull?
Title: Re: Misc Random Questions
Post by: Moishel on November 03, 2013, 07:11:32 PM
Is a canceled UE worth anything in the airport? ie. checked baggage etc.
And if I paid for united ticket with an amex, does having an active UE card at the time of boarding help?
Probably can get priority boarding, maybe checked bags as well.
Is your answer re my first question, or second?
Title: Re: Misc Random Questions
Post by: sam28 on November 03, 2013, 07:21:00 PM
Which chase cards don't charge a foreign fee
Title: Re: Misc Random Questions
Post by: notanonymous on November 03, 2013, 07:23:12 PM
Which chase cards don't charge a foreign fee
Look at wiki
http://forums.dansdeals.com/index.php?topic=25991.0
Title: Re: Misc Random Questions
Post by: menachem_m on December 10, 2013, 12:13:36 PM
I'm probably pushing my luck  but is there any mileage program which would allow me to book a united ticket and either a qantas flight or a virgin Australia flight?
Title: Re: Misc Random Questions
Post by: @Yehuda on December 10, 2013, 04:48:16 PM
When signing up for a card for your spouse, is it a bad idea to use the same phone number and email that's on your own accounts?
I want to do that, so my email and number are the default on her account.
Title: Re: Misc Random Questions
Post by: pbarnes on December 10, 2013, 04:51:35 PM
I'm probably pushing my luck  but is there any mileage program which would allow me to book a united ticket and either a qantas flight or a virgin Australia flight?

United = *A
QF = OW
VA = No alliance

So... not really. MR can be transferred to Aeroplan which can be used to book onto United, and to VX/VS you can book onto VA. Not gonna be great.

VA has a list of partners here: http://www.virginaustralia.com/au/en/experience/airline-partners/other-partners/ and on the left.
Title: Re: Misc Random Questions
Post by: pbarnes on December 10, 2013, 04:52:43 PM
When signing up for a card for your spouse, is it a bad idea to use the same phone number and email that's on your own accounts?
I want to do that, so my email and number are the default on her account.

IMHO this is a "bad idea" because it might get your application flagged as fraud. They send the phone number and email to ID Analytics for a fraud score, and it can potentially trigger a lengthy process of sending ID, docs, etc.

If your number is on her CR already, then it's probably okay.
Title: Re: Misc Random Questions
Post by: notanonymous on December 10, 2013, 04:59:49 PM
IMHO this is a "bad idea" because it might get your application flagged as fraud. They send the phone number and email to ID Analytics for a fraud score, and it can potentially trigger a lengthy process of sending ID, docs, etc.

If your number is on her CR already, then it's probably okay.
The phone number verification is correct.  I don't see why the email address would be a problem.
But even assuming you are right, it is not a def flag, and even if it is, usually a call is all that is needed.  IMO, worth the minimal effort to make bookkeeping much easier.
Title: Re: Misc Random Questions
Post by: CountValentine on December 10, 2013, 05:10:12 PM
When signing up for a card for your spouse, is it a bad idea to use the same phone number and email that's on your own accounts?
I want to do that, so my email and number are the default on her account.
Never had a problem.
Title: Re: Misc Random Questions
Post by: @Yehuda on December 10, 2013, 05:24:58 PM
Too late - I changed the number/email to her info. Hyatt card got instant approval. Freedom got error message that the app wasn't valid. Called Chase to verify it didn't go through, and they confirmed that nothing came in. So I applied again (using her info) and got pending. Time for recon. Was so nice to get Hyatt instant approval, haven't had one of those since my first card (IIRC).

Anyway, I'll probably call later and ask to switch number/email to my info, see if they'll do that.
Title: Re: Misc Random Questions
Post by: Super Speed on December 10, 2013, 06:08:29 PM
Never had a problem.
+1 Always put my email and phone number on mine and my wifes applications.

Title: Re: Misc Random Questions
Post by: menachem_m on December 11, 2013, 01:52:24 AM
United = *A
QF = OW
VA = No alliance

So... not really. MR can be transferred to Aeroplan which can be used to book onto United, and to VX/VS you can book onto VA. Not gonna be great.

VA has a list of partners here: http://www.virginaustralia.com/au/en/experience/airline-partners/other-partners/ and on the left.
Thx, knew that but there are alot of Airlines with partners outside their alliance.

So plan B. Is there some sort of insurance I can buy that if I take a mileage flight from A to B with say United, and have a "connecting" flight from B to C on another airline, that will insure the second leg in case the first is delayed so I miss the second flight?

Leaving a few day break is not an option in my case.
Title: Re: Misc Random Questions
Post by: pbarnes on December 12, 2013, 01:01:11 AM
The phone number verification is correct.  I don't see why the email address would be a problem.
But even assuming you are right, it is not a def flag, and even if it is, usually a call is all that is needed.  IMO, worth the minimal effort to make bookkeeping much easier.

The email address thing is recent. It just adds some points to the risk score, but not that much. And yeah, usually you get a screen to call them and they ask some stuff from your CR and you're all done.

I was just saying, if you want instant approvals, to just make sure the info matches the CR (or previous apps!). :)

I had a whole thing with Chase about using my corporate email on the Ink+ application and my personal email on my CSP. It took like 2 weeks to clear that up. And now, even though I had my personal email nowhere in my business app or profile, I get Ink+ related emails to my personal *and* business addresses.
Title: Re: Misc Random Questions
Post by: pbarnes on December 12, 2013, 01:02:04 AM
Thx, knew that but there are alot of Airlines with partners outside their alliance.

So plan B. Is there some sort of insurance I can buy that if I take a mileage flight from A to B with say United, and have a "connecting" flight from B to C on another airline, that will insure the second leg in case the first is delayed so I miss the second flight?

Leaving a few day break is not an option in my case.

Just out of curiosity, where are you going from and to? I'm from Australia (living in SF now) so maybe I can help with some tips. :)
Title: Re: Misc Random Questions
Post by: @Yehuda on December 12, 2013, 03:35:46 PM
Any cards offer roadside assistance?
Title: Re: Misc Random Questions
Post by: ushdadude on December 12, 2013, 03:36:46 PM
Any cards offer roadside assistance?

cmiiw but i'm pretty sure amex still does
when i had the consumer gold card i actually used it
Title: Re: Misc Random Questions
Post by: @Yehuda on December 12, 2013, 03:41:50 PM
cmiiw but i'm pretty sure amex still does
when i had the consumer gold card i actually used it

All AMEX? I have PRG, SPG, SPG biz, Delta, Blue Cash (not preferred).
Title: Re: Misc Random Questions
Post by: ushdadude on December 12, 2013, 03:59:37 PM
All AMEX? I have PRG +, SPG +, SPG biz +, Delta +, Blue Cash (not preferred) +.

It seems that all amex cards do

http://www.americanexpress.com/us/content/card-benefits.html
Title: Re: Misc Random Questions
Post by: @Yehuda on December 12, 2013, 04:31:47 PM
It seems that all amex cards do

http://www.americanexpress.com/us/content/card-benefits.html

Wow, awesome find! Up to 4 times/year. I wonder if I can get 4x/year per card, if needed c"v. Thanks! Time to say goodbye to AAA.
Title: Re: Misc Random Questions
Post by: TC610 on December 12, 2013, 08:15:30 PM
It seems that all amex cards do

http://www.americanexpress.com/us/content/card-benefits.html

Services vary per type of card...

Wow, awesome find! Up to 4 times/year. I wonder if I can get 4x/year per card, if needed c"v. Thanks! Time to say goodbye to AAA.

For example, the Blue and Zync card's roadside assistance is strictly dispatch only; you pay for any services rendered.
Title: Re: Misc Random Questions
Post by: Moshe123 on December 13, 2013, 06:12:08 AM
Any explanation on why the next statement closing date on a few new Chase accounts changes every single day on chase.com?
Title: Re: Misc Random Questions
Post by: CountValentine on December 13, 2013, 07:01:39 AM
Any explanation on why the next statement closing date on a few new Chase accounts changes every single day on chase.com?
Just the way it works for your first statement.
Title: Re: Misc Random Questions
Post by: Moshe123 on December 13, 2013, 07:13:06 AM
Thanks
Title: Re: Misc Random Questions
Post by: bzam99 on December 13, 2013, 11:59:51 AM
If the amex promo in store X is spend 50 get 10 back. If I return $30, does AMEX not give you the $10? Does it make a difference if I return it before/after the AMEX credit?
Title: Re: Misc Random Questions
Post by: Yeki89 on December 13, 2013, 12:02:30 PM
After the credit I don't think they claw it back.
Title: Re: Misc Random Questions
Post by: Moshe123 on December 14, 2013, 07:32:47 PM
Why does AA send me an email that I should check in for a refundable ticket that I refunded ages ago?
Is the ticket still active after the refund?
Title: Re: Misc Random Questions
Post by: Dan on December 14, 2013, 08:02:40 PM
Why does AA send me an email that I should check in for a refundable ticket that I refunded ages ago?
Is the ticket still active after the refund?
I once got a call from a GA on a refundable ticket that I got the refund for ages ago.
Probably left over the itin shell with no eticket number.
Title: Re: Misc Random Questions
Post by: smaxber on December 14, 2013, 08:14:05 PM
I once got a call from a GA on a refundable ticket that I got the refund for ages ago.
Probably left over the itin shell with no eticket number.
flyable?
Title: Re: Misc Random Questions
Post by: ckmk47 on December 15, 2013, 05:12:54 AM
flyable?
try actually checking in.
Title: Re: Misc Random Questions
Post by: bzam99 on December 18, 2013, 08:49:12 AM
For the blue Cash Preferred card Anyway to track how much you have spent in groceries in your year to know if you have more to go or have hit hit the $6k max? Also, how do I find out when my year renews?
Title: Re: Misc Random Questions
Post by: ckmk47 on December 18, 2013, 09:58:01 AM
For the blue Cash Preferred card Anyway to track how much you have spent in groceries in your year to know if you have more to go or have hit hit the $6k max? Also, how do I find out when my year renews?
acct home > blue card  > view billing statement  (under balances area) > 
The last page of your bill (available on line) has the spending categories listed separately.  add them all up?
You can see how far back your bills go.  Check when your last annual fee was, or when your first statement was.
Title: Re: Misc Random Questions
Post by: ushdadude on December 18, 2013, 10:48:09 AM
acct home > blue card  > view billing statement  (under balances area) > 
The last page of your bill (available on line) has the spending categories listed separately.  add them all up?
You can see how far back your bills go.  Check when your last annual fee was, or when your first statement was.

is it worth applying for it just based on 6% for groceries? max is $360- $75 annual fee= $285
Title: Re: Misc Random Questions
Post by: ckmk47 on December 18, 2013, 02:18:39 PM
As part of a 3BM?  Hey, $285 is $285!  I know it's not 30K points, but how much are 30K points worth anyway, and cash is spendable!
Title: Re: Misc Random Questions
Post by: CountValentine on December 18, 2013, 06:18:50 PM
As part of a 3BM?  Hey, $285 is $285!  I know it's not 30K points, but how much are 30K points worth anyway, and cash is king!
FTFY
Title: Re: Misc Random Questions
Post by: ushdadude on December 18, 2013, 07:22:32 PM
As part of a 3BM?  Hey, $285 is $285!  I know it's not 30K points, but how much are 30K points worth anyway, and cash is spendable!

i guess that makes sense
Title: Re: Misc Random Questions
Post by: Dan on December 18, 2013, 09:00:41 PM
As part of a 3BM?  Hey, $285 is $285!  I know it's not 30K points, but how much are 30K points worth anyway, and cash is spendable!
Back out the 2ppd (3%) on PRG or 2.2% on the Arrival/SPG from that equation.
Title: Re: Misc Random Questions
Post by: ushdadude on December 18, 2013, 10:45:01 PM
Back out the 2ppd (3%) on PRG or 2.2% on the Arrival/SPG from that equation.

not sure i understand
Title: Re: Misc Random Questions
Post by: bubbles on December 19, 2013, 12:46:51 AM
is it worth applying for it just based on 6% for groceries? max is $360- $75 annual fee= $285
you can downgrade an spg to the bcp
Title: Re: Misc Random Questions
Post by: SamDaMan on December 19, 2013, 01:57:23 AM
If I open a au on my chase saphire to get the 5k bounus points. Can i close the card afterwards ? Will it effect me at all?
Title: Re: Misc Random Questions
Post by: raphy781 on December 19, 2013, 04:54:31 AM
If I open a au on my chase saphire to get the 5k bounus points. Can i close the card afterwards ? Will it effect me at all?
Yes. No.
Title: Re: Misc Random Questions
Post by: SamDaMan on December 19, 2013, 09:34:05 AM
Yes. No.
awsm tnx
Title: Re: Misc Random Questions
Post by: ushdadude on December 19, 2013, 10:06:52 AM
If I open a au on my chase saphire to get the 5k bounus points. Can i close the card afterwards ? Will it effect me at all?

similarly, if i downgrade SP to regular sapphire to avoid annual fee, if I apply for SP again would I get bonus? or is it considered same product?
Title: Re: Misc Random Questions
Post by: Moshe123 on December 22, 2013, 12:08:54 AM
Had anyone ever double-dipped on a signup bonus?
I was given the signup bonus for a certain card by chase before I hit the threshold for some reason. Will I get it again if I meet the threshold, or will the rep have taken it out of the system?
Thanks
Title: Re: Misc Random Questions
Post by: ushdadude on December 22, 2013, 12:19:28 AM
similarly, if i downgrade SP to regular sapphire to avoid annual fee, if I apply for SP again would I get bonus? or is it considered same product?

Anyone?
Title: Re: Misc Random Questions
Post by: ushdadude on December 22, 2013, 12:20:11 AM
Had anyone ever double-dipped on a signup bonus?
I was given the signup bonus for a certain card by chase before I hit the threshold for some reason. Will I get it again if I meet the threshold, or will the rep have taken it out of the system?
Thanks

If that happened to me I'd hit the threshold and see what happens.
Title: Re: Misc Random Questions
Post by: Moshe123 on December 22, 2013, 12:20:43 AM
Anyone?

You will get bonus. However, rep might tell you to upgrade the card rather than approving a new application.
Title: Re: Misc Random Questions
Post by: ushdadude on December 22, 2013, 09:57:53 AM
You will get bonus. However, rep might tell you to upgrade the card rather than approving a new application.

Is a better option to downgrade to another freedom?
Title: Re: Misc Random Questions
Post by: Super Speed on January 06, 2014, 11:34:00 AM
I received a credit card in the mail today and the envelope was open, is there anything to be nervous about?
Title: Re: Misc Random Questions
Post by: Marco Polo on January 06, 2014, 11:35:17 AM
I received a credit card in the mail today and the envelope was open, is there anything to be nervous about?
Probably request a new one. Better safe...
Title: Re: Misc Random Questions
Post by: churnbabychurn on January 06, 2014, 11:49:28 AM
I received a credit card in the mail today and the envelope was open, is there anything to be nervous about?
http://forums.dansdeals.com/index.php?topic=21945.0
Title: Random Credit Card Questions
Post by: MosheP on September 23, 2014, 12:21:21 PM
I had a statement close with an $851.00 balance with payment due today. I went to make the payment and I see that there is a $0.00 payment due. I had approximately $975 in returns since the statement closed. My question is- do returns deduct from outstanding statement balance with regard to payment, interest etc.?
Title: Re: Random Credit Card Questions
Post by: HowYaDoin on September 23, 2014, 12:50:11 PM
I had a statement close with an $851.00 balance with payment due today. I went to make the payment and I see that there is a $0.00 payment due. I had approximately $975 in returns since the statement closed. My question is- do returns deduct from outstanding statement balance with regard to payment, interest etc.?
IME yes
Title: Re: Random Credit Card Questions
Post by: clear thinker on September 23, 2014, 12:53:22 PM
I had a statement close with an $851.00 balance with payment due today. I went to make the payment and I see that there is a $0.00 payment due. I had approximately $975 in returns since the statement closed. My question is- do returns deduct from outstanding statement balance with regard to payment, interest etc.?
Yep
Title: Re: Random Credit Card Questions
Post by: meshugener on September 23, 2014, 01:08:49 PM
I believe it depends which bank it is.
Title: Re: Random Credit Card Questions
Post by: @Yehuda on September 23, 2014, 01:27:22 PM
I think this board can really use a thread like this stickied to the top.

If you think there are too many stickied topics, perhaps get rid of the PSA or the CC chart (which I believe is full of dead links).
Title: Re: Random Credit Card Questions
Post by: clear thinker on September 23, 2014, 02:22:30 PM
I think this board can really use a thread like this stickied to the top.

If you think there are too many stickied topics, perhaps get rid of the PSA or the CC chart (which I believe is full of dead links).
What's wrong with the "credit card for beginers" thread?
U don't have to be a beginner to qualify. ...
Title: Re: Random Credit Card Questions
Post by: @Yehuda on September 23, 2014, 03:22:16 PM
What's wrong with the "credit card for beginers" thread?
U don't have to be a beginner to qualify. ...
That thread is supposed to teach you how to get your first credit card(s). Not for people to post random q's they have.
Title: Re: Random Credit Card Questions
Post by: clear thinker on September 23, 2014, 04:34:30 PM
That thread is supposed to teach you how to get your first credit card(s). Not for people to post random q's they have.
Ok u have my approval.
Title: Re: Random Credit Card Questions
Post by: @Yehuda on September 23, 2014, 04:35:04 PM
Ok u have my approval.
Great. I'm just going to sticky it with all my strength. Hopefully it stays.
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 23, 2014, 04:39:44 PM
Once this thread gets a 100+ pages long it will be real easy to find things.  :)
Title: Re: Random Credit Card Questions
Post by: @Yehuda on September 23, 2014, 04:43:06 PM
Once this thread gets a 100+ pages long it will be real easy to find things.  :)
The point isn't for finding things; it's not supposed to be a wiki of all your problems. It's a place to ask any random Q that doesn't belong in a specific thread and expecting nice answers from people. Similar to this  (http://forums.dansdeals.com/index.php?topic=16069.0)thread, except that ones in its own board, and I feel like many people don't read it because it's not in a commonly accessed board and also they expect noob questions.
Title: Re: Random Credit Card Questions
Post by: Welder on September 23, 2014, 07:09:54 PM
I have a question. Can't find an appropriate thread.

Could I buy products like iPhones, or other electronics for example, and sell them on eBay for cost price to meet signup bonus thresholds and earn miles? Is that safe? Would it work?

Thanks.
Title: Re: Random Credit Card Questions
Post by: lubaby on September 23, 2014, 07:21:21 PM
I have a question. Can't find an appropriate thread.

Could I buy products like iPhones, or other electronics for example, and sell them on eBay for cost price to meet signup bonus thresholds and earn miles? Is that safe? Would it work?

Thanks.
Don't forget about eBay fees and shipping charges.
Title: Re: Random Credit Card Questions
Post by: Myccrabbi on September 23, 2014, 07:22:05 PM
I have a question. Can't find an appropriate thread.

Could I buy products like iPhones, or other electronics for example, and sell them on eBay for cost price to meet signup bonus thresholds and earn miles? Is that safe? Would it work?

Thanks.
Ya just make sure to break even with eBay 's
Fee and shipping fee.
Title: Re: Random Credit Card Questions
Post by: etech0 on September 23, 2014, 08:01:58 PM
Ya just make sure to break even with eBay 's
Fee and shipping fee.
and hope for no returns!
Title: Re: Random Credit Card Questions
Post by: @Yehuda on September 23, 2014, 08:14:27 PM
I've bought things a few times in my life (mainly from Woot when they actually had good prices) with the hopes of selling on eBay. It's really not so easy IME especially nowadays when people can normally find things priced just as low (or cheaper) on other sites than on eBay. But, if you can do it, I don't see why it wouldn't work.
Title: Re: Random Credit Card Questions
Post by: noturbizniss on September 23, 2014, 10:17:20 PM
I've bought things a few times in my life (mainly from Woot when they actually had good prices) with the hopes of selling on eBay. It's really not so easy IME especially nowadays when people can normally find things priced just as low (or cheaper) on other sites than on eBay. But, if you can do it, I don't see why it wouldn't work.
+1, has to be a great deal. I bought a bunch of the nuud cases from groupon a couple months ago. I was making from $5 to losing $5 on each one. The last couple weeks I was losing closer to $10 on the last 3 I sold, but then my last one sold for close to $90 when all others were going for like $38 with shipping, so I broke even, but it's a risk.
As Yehuda said, before amazon bought woot, they had amazing deals - I'm looking at you sansa clips for $10 that sold on ebay for $25 - but now it's pretty crappy.  I don't even bother going when there's a woot off anymore.
Title: Re: Random Credit Card Questions
Post by: @Yehuda on September 23, 2014, 11:06:10 PM
I don't even bother going when there's a woot off anymore.
I barely went today. I used to sit glued to my screen. Even downloaded a program that would alert me on my desktop when a new product went up.
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 01:12:18 AM
Please move this thread to JS were it belongs.
Title: Re: Random Credit Card Questions
Post by: Welder on September 24, 2014, 02:14:29 AM
Please move this thread to JS were it belongs.

Being that this thread is, primarily, about Credit Cards, I don't think JS is actually the appropriate place for it.
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 05:41:38 AM
Being that this thread is, primarily, about Credit Cards, I don't think JS is actually the appropriate place for it.
Asking what your favorite CC color is about CC's also but does not belong here.
Title: Re: Random Credit Card Questions
Post by: MosheP on September 24, 2014, 08:33:05 AM
Wow! This thread could have been an awesome place to ask random questions about credit cards one already has,  and get quick answers.  Instead it became what every other thread on the forums has become. A place for some people with way too much time on their hands to measure the size of their sticks against everyone else's and try to establish that their's is the biggest. 

Why can't  we have a single thread that is exclusively for useful information,  and free of thread crapping, post padding, and nonsense?

I propose a thorough cleanup on the forums,  and unless in JS or a dedicated thread nonsensical posts not be tolerated.

I'm sure many here will be happy to be crowned mod for the day,  and volunteer to help clean up. 

All posts that are not helpful regarding the threads in which they are in can be moved to a master thread of crap in JS
Title: Re: Random Credit Card Questions
Post by: Excalibur on September 24, 2014, 09:17:40 AM
What are all amex consumer cards that are not charge cards
Title: Re: Random Credit Card Questions
Post by: clear thinker on September 24, 2014, 09:20:03 AM
What are all amex consumer cards that are not charge cards
It's explained here pretty nicely.
http://forums.dansdeals.com/index.php?topic=8028.0
Need A Card? DansDeals Credit Card Application Links And FAQ's.
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 09:30:38 AM
This thread could have been an awesome place to ask random questions about credit cards one already has,  and get quick answers.
You have a thread already. Why clutter the forums with another random thread?
http://forums.dansdeals.com/index.php?topic=16069.0
Title: Re: Random Credit Card Questions
Post by: clear thinker on September 24, 2014, 09:40:49 AM
You have a thread already. Why clutter the forums with another random thread?
http://forums.dansdeals.com/index.php?topic=16069.0
Answer:
That thread is supposed to teach you how to get your first credit card(s). Not for people to post random q's they have.
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 09:43:13 AM
Answer:
Not true. This is the first sentence of the wiki: This is the thread where you can ask any random question you have.
Title: Re: Random Credit Card Questions
Post by: clear thinker on September 24, 2014, 09:43:49 AM
Btw Why isn't there a thread for "signup bonuses" so ppl can know what's the strongest signup bonus for various cards?
And what's possible to be matched and so on
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 09:45:04 AM
Btw Why isn't there a thread for "signup bonuses" so ppl can know what's the strongest signup bonus for various cards?
And what's possible to be matched and so on
Start a random thread for that.  ::)
Title: Re: Random Credit Card Questions
Post by: lunatic on September 24, 2014, 10:58:48 AM
How about a master thread for random threads
Title: Re: Random Credit Card Questions
Post by: @Yehuda on September 24, 2014, 11:12:10 AM
Btw Why isn't there a thread for "signup bonuses" so ppl can know what's the strongest signup bonus for various cards?
And what's possible to be matched and so on
They change very often and someone would have to really be on top of it updating it or else it will become that like that CC Chart that stickied to this board.

Not true. This is the first sentence of the wiki: This is the thread where you can ask any random question you have.
Only because there aren't any other random threads. I think a random thread in the CC board makes sense because 1) this is the most popular board and, therefore, has the most questions 2) people would check a Random Q's thread in this board and help out as opposed to the Beginner's Random Q's thread that seems to have only a few people checking and chiming in.

I propose a thorough cleanup on the forums,  and unless in JS or a dedicated thread nonsensical posts not be tolerated.

I'm sure many here will be happy to be crowned mod for the day,  and volunteer to help clean up. 

All posts that are not helpful regarding the threads in which they are in can be moved to a master thread of crap in JS
It was only about a month ago that this discussion was brought up again and the Adopt-A-Wiki (http://forums.dansdeals.com/index.php?topic=43837.0) idea was proposed. Join that conversation if you'd like.
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 11:17:01 AM
2) people would check a Random Q's thread in this board and help out as opposed to the Beginner's Random Q's thread that seems to have only a few people checking and chiming in.
OK lets try this out. I would like to emboss my name on a OV card. Which embosser should I buy?
Title: Re: Random Credit Card Questions
Post by: etech0 on September 24, 2014, 11:18:34 AM
OK lets try this out. I would like to emboss my name on a OV card. Which embosser should I buy?
Why not use the one you used back in the days of MVD?
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 11:20:14 AM
Why not use the one you used back in the days of MVD?
That was not my question.  :P
Title: Re: Random Credit Card Questions
Post by: etech0 on September 24, 2014, 11:22:02 AM
That was not my question.  :P
Oops, my mistake. Anyways, IIRC that guy used a sharpie. Why not try that?
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 11:30:54 AM
Oops, my mistake. Anyways, IIRC that guy used a sharpie. Why not try that?
I want it to be the same.
Title: Re: Random Credit Card Questions
Post by: lubaby on September 24, 2014, 11:31:03 AM
OK lets try this out. I would like to emboss my name on a OV card. Which embosser should I buy?
No experience in the field, but a simple Amazon search (http://www.amazon.com/s/ref=nb_sb_noss_1?url=search-alias%3Daps&field-keywords=Embosser+machine) gets you these ~$300 machines.
Title: Re: Random Credit Card Questions
Post by: @Yehuda on September 24, 2014, 11:33:03 AM
OK lets try this out. I would like to emboss my name on a OV card. Which embosser should I buy?
Search a bit - someone in the last few months (I think) posted about getting people together to split an embosser.

I personally would just drive into NJ where WMs don't give you a problem.
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 11:36:13 AM
No experience in the field, but a simple Amazon search (http://www.amazon.com/s/ref=nb_sb_noss_1?url=search-alias%3Daps&field-keywords=Embosser+machine) gets you these ~$300 machines.
I did the same search. I am looking for recommendations.

Since I can't get answer to that question lets try another one. Is adding your name to a GC illegal?
Title: Re: Random Credit Card Questions
Post by: clear thinker on September 24, 2014, 11:42:10 AM
I did the same search. I am looking for recommendations.

Since I can't get answer to that question lets try another one. Is adding your name to a GC illegal?
Maybe post in the ethics thread.......??
Title: Re: Random Credit Card Questions
Post by: MC on September 24, 2014, 11:44:19 AM

Maybe post in the ethics thread.......??
He's not asking if it's ethical
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 11:47:06 AM
Maybe post in the ethics thread.......??
What the heck kind of random thread is this?  >:(
I know it is unethical but that is not my question. Can anybody who thinks this thread is a good idea please answer either question!!!
Maybe change the name of the thread to "Don't get answers to random credit card questions".  :P
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 11:47:33 AM
He's not asking if it's ethical
At least someone is paying attention.
Title: Re: Random Credit Card Questions
Post by: etech0 on September 24, 2014, 11:52:27 AM
Why do I keep thinking of deja vu?
Title: Re: Random Credit Card Questions
Post by: Marco Polo on September 24, 2014, 11:53:37 AM
I did the same search. I am looking for recommendations.

Since I can't get answer to that question lets try another one. Is adding your name to a GC illegal?
Maybe per this (http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=072000050HArt.+28&ActID=1876&ChapterID=53&SeqStart=57100000&SeqEnd=58100000) legislation it is illegal.
Title: Re: Random Credit Card Questions
Post by: clear thinker on September 24, 2014, 11:56:21 AM
What the heck kind of random thread is this?  >:(
I know it is unethical but that is not my question. Can anybody who thinks this thread is a good idea please answer either question!!!
Maybe change the name of the thread to "Don't get answers to random credit card questions".  :P
Hey I was only trying to help you by showing you that nobody has the right answers and thus rendering this thread garbage.....
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 11:57:27 AM
Maybe per this (http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=072000050HArt.+28&ActID=1876&ChapterID=53&SeqStart=57100000&SeqEnd=58100000) legislation it is illegal.
I have no intent to defraud anyone. Do you think that legislation would still apply?
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 24, 2014, 11:59:21 AM
Hey I was only trying to help you by showing you that nobody has the right answers and thus rendering this thread garbage.....
Lets not give up so soon. MP came up with a nice link.
Title: Re: Random Credit Card Questions
Post by: Marco Polo on September 24, 2014, 12:00:48 PM
I have no intent to defraud anyone. Do you think that legislation would still apply?
I guess if you can prove that you are not out to defraud anyone, you should be fine. But you may get tied up in legal issues inhibiting your ability to MS and potentially lead to a loss of funds and/or earning opportunity while trying to sort this out.
Title: Re: Random Credit Card Questions
Post by: etech0 on September 28, 2014, 06:02:22 PM
My local grocery doesn't take amex. Are there any other cards that give bonuses at grocery stores?
Title: Re: Random Credit Card Questions
Post by: ChaimMoskowitz on September 30, 2014, 07:25:01 AM
Are there any other cards that give bonuses at grocery stores?
Are you telling me you are not aware of any other 5x cards for groceries?
Title: Re: Random Credit Card Questions
Post by: Marco Polo on September 30, 2014, 08:52:03 AM
My local grocery doesn't take amex. Are there any other cards that give bonuses at grocery stores?
Time to find a new grocery store :)

WF has a card wit 5%, but limited to six months.
Title: Re: Random Credit Card Questions
Post by: etech0 on September 30, 2014, 10:28:28 AM
Time to find a new grocery store :)

WF has a card wit 5%, but limited to six months.
I have plenty of groceries to frequent, but sometimes I go to this one for things like kosher food.
:)
Title: Re: Random Credit Card Questions
Post by: ckmk47 on October 01, 2014, 09:08:03 AM
How do I know which Ink I have?
Title: Re: Random Credit Card Questions
Post by: Marco Polo on October 01, 2014, 09:14:19 AM
How do I know which Ink I have?
The Bold will say it on the card. The Plus just says Business.
Title: Re: Random Credit Card Questions
Post by: TimT on October 01, 2014, 09:36:31 AM
The Bold will say it on the card. The Plus just says Business.
On the chase site all 3 show the names on them, is that not accurate ?
Title: Re: Random Credit Card Questions
Post by: ckmk47 on October 01, 2014, 11:45:55 AM
The Bold will say it on the card. The Plus just says Business.
According to my saved screenshot, I applied for the Bold.  It doesn't say it on the card. It just says business.   Could they have given me the Plus instead? (or are you mistaken? could it be the opposite- bold says business and plus says plus?)
Title: Re: Random Credit Card Questions
Post by: clear thinker on October 01, 2014, 11:50:01 AM
According to my saved screenshot, I applied for the Bold.  It doesn't say it on the card. It just says business.   Could they have given me the Plus instead? (or are you mistaken? could it be the opposite- bold says business and plus says plus?)
On my bold it says "business bold" though I still have the old "master card"
Title: Re: Random Credit Card Questions
Post by: ckmk47 on October 01, 2014, 11:56:47 AM
My husband's is a visa (may 2014) and it says 'business bold'.  (bold was under the sticker so I didn't see it.)
Mine is a mastercard (june 2013) and only says 'business'.  I'll assume it, too, is a bold.
Thanks.
Title: Re: Random Credit Card Questions
Post by: zlt123 on October 01, 2014, 12:05:15 PM
on the new cards with the chip it says Ink Plus
Title: Re: Random Credit Card Questions
Post by: etech0 on October 01, 2014, 01:57:55 PM
I'm setting up my amex cards for autopay. I see that the options for the amount are
Total New Balance
Minimum Payment Due
or Fixed Amount.

Anyone know if there's a way to pay just the statement amount (and not the new balance), like Chase allows?

Thanks
Title: Re: Random Credit Card Questions
Post by: NYHeel on October 01, 2014, 03:00:53 PM
I'm setting up my amex cards for autopay. I see that the options for the amount are
Total New Balance
Minimum Payment Due
or Fixed Amount.

Anyone know if there's a way to pay just the statement amount (and not the new balance), like Chase allows?

Thanks
I'm pretty sure that is the statement amount.
Title: Re: Random Credit Card Questions
Post by: etech0 on October 01, 2014, 03:03:57 PM
I'm pretty sure that is the statement amount.
But statement amount is not one of the choices!
Title: Re: Random Credit Card Questions
Post by: Centro on October 01, 2014, 03:22:35 PM
But statement amount is not one of the choices!
I believe Total new balance is the statement balance,
Current balance wouldn't be the statement balance.
Title: Re: Random Credit Card Questions
Post by: etech0 on October 01, 2014, 03:26:11 PM
I believe Total new balance is the statement balance,
Current balance wouldn't be the statement balance.
Wouldn't Total New Balance be all that I currently owe them (even purchases made after the statement closed)?
Title: Re: Random Credit Card Questions
Post by: NYHeel on October 01, 2014, 03:40:20 PM
Wouldn't Total New Balance be all that I currently owe them (even purchases made after the statement closed)?
In practice, no. I believe it means total statement balance less any payments you've already made after the statement close date. I think it works just like the Chase auto pay.
Title: Re: Random Credit Card Questions
Post by: Centro on October 01, 2014, 03:42:03 PM
Wouldn't Total New Balance be all that I currently owe them (even purchases made after the statement closed)?
That would be current/outstanding balance.
Title: Re: Random Credit Card Questions
Post by: etech0 on October 01, 2014, 04:05:48 PM
That would be current/outstanding balance.
Which is not one of the choices.
If so, why do they call it "New Balance". It's NOT new!
Title: Re: Random Credit Card Questions
Post by: Novo on December 08, 2014, 06:18:41 PM
Is there any way to get an instant link (like Chase through Twitter) when referring a friend to an Amex card?
It's been 4 hours since and the email didn't come...
Title: Re: Random Credit Card Questions
Post by: @Yehuda on December 08, 2014, 07:17:35 PM
Is there any way to get an instant link (like Chase through Twitter) when referring a friend to an Amex card?
It's been 4 hours since and the email didn't come...
Dang I didn't know about that for Chase and I wanted it recently! I did it the regular way and I think it just emailed them a link, but who knows how long till they actually get the email.

Btw sorry I have no advice for Amex.
Title: Re: Random Credit Card Questions
Post by: mawmaw on December 08, 2014, 07:45:11 PM
Is there any way to get an instant link (like Chase through Twitter) when referring a friend to an Amex card?
It's been 4 hours since and the email didn't come...
not sure if this topic is not against the forums T&C NO REFERRALS and for you Q pmed you
Title: Re: Random Credit Card Questions
Post by: Novo on December 08, 2014, 08:04:34 PM
not sure if this topic is not against the forums T&C NO REFERRALS and for you Q pmed you
1) Per the rules one is not allowed to post a referral link but discussion of referral links?
2)Thanks for your PM.
Title: Re: Random Credit Card Questions
Post by: Super Speed on December 08, 2014, 08:34:37 PM
Dang I didn't know about that for Chase and I wanted it recently! I did it the regular way and I think it just emailed them a link, but who knows how long till they actually get the email.

Btw sorry I have no advice for Amex.
Chase can take a while through email, like up to a week.
Title: Re: Random Credit Card Questions
Post by: benjie1305 on December 09, 2014, 11:19:28 AM
So I just wanted to run this by anyone to make sure im doing this correctly. About to apply for some new cards.

Just realized I still have an old United milaege plus Explorer and an even older Miles Plus united card that I pay the annual fee on ( >:( ) . I should prob switch the united mileague plus CL over to my sapphire and close that as my oldest is the miles plus card. I assume it makes sense to keep it (even with the fee for now) as its the oldest!? (or not?).

Or would anyone suggest transferring the CL over for both and closing both to avoid 190 in fees annaully.

Also, my wife also has the United Explorer (also paying annual fee) but that is not only her oldest CC but also currently her ONLY one.  Is the gameplan for her: Open new cards > call chase > transfer CL from explorer to new card > close old card?

Thanks in advance
Title: Re: Random Credit Card Questions
Post by: Novo on December 11, 2014, 02:26:37 PM
Anyone knows about this card?
http://www.qatarairways.com/PrivilegeClub/OfferDetails.page?promoCode=QNBNOV12&locale=en_gl&category=Banks%20and%20Credit%20cards
Title: Re: Random Credit Card Questions
Post by: Marco Polo on December 11, 2014, 02:29:02 PM
Anyone knows about this card?
http://www.qatarairways.com/PrivilegeClub/OfferDetails.page?promoCode=QNBNOV12&locale=en_gl&category=Banks%20and%20Credit%20cards
Are you able to even apply for that here?
Title: Re: Random Credit Card Questions
Post by: Novo on December 11, 2014, 02:33:17 PM
Are you able to even apply for that here?
http://www.qnb.com.qa/cs/Satellite/QNBQatar/en_QA/ContactUs/Applyonline?productparm=CobrandedCreditCards
Title: Re: Random Credit Card Questions
Post by: Ydad on December 11, 2014, 08:58:31 PM
Anyone know if there is a way to use an amex offer mailed to me for someone else?
Title: Re: Random Credit Card Questions
Post by: Dr Moose on December 11, 2014, 10:08:30 PM
Anyone know if there is a way to use an amex offer mailed to me for someone else?
personal offer or business?
Title: Re: Random Credit Card Questions
Post by: Ydad on December 11, 2014, 10:52:28 PM
personal offer or business?
Personal
Title: Re: Random Credit Card Questions
Post by: Boruch999 on December 24, 2014, 08:10:55 AM
Is anyone aware of a better use for Capital1 points than Amazon GCs (1cpp?)
Title: Re: Random Credit Card Questions
Post by: coralsnake on December 24, 2014, 08:58:02 AM
Is anyone aware of a better use for Capital1 points than Amazon GCs (1cpp?)
I believe Crapital One points are always maxed at 1cpp
Title: Re: Random Credit Card Questions
Post by: EMCC on December 24, 2014, 10:23:23 AM
It credit utilization based on the card that is being utilized or the persons total credit limit?

For instance, if I have a total credit limit of $100k between all my cards, is it a problem to max out a singe card with a $1000? Will that be considered 1% or 100% utilization?
Title: Re: Random Credit Card Questions
Post by: TimT on December 24, 2014, 11:08:03 AM
It credit utilization based on the card that is being utilized or the persons total credit limit?

For instance, if I have a total credit limit of $100k between all my cards, is it a problem to max out a singe card with a $1000? Will that be considered 1% or 100% utilization?
100% utilization on that card.
Title: Re: Random Credit Card Questions
Post by: clear thinker on December 24, 2014, 11:18:52 AM
It credit utilization based on the card that is being utilized or the persons total credit limit?

For instance, if I have a total credit limit of $100k between all my cards, is it a problem to max out a singe card with a $1000? Will that be considered 1% or 100% utilization?
I think it's both, it goes per card & across all of them.
Title: Re: Random Credit Card Questions
Post by: clear thinker on December 24, 2014, 11:19:46 AM
Anyone know if there is a way to use an amex offer mailed to me for someone else?

Personal
+1?
Anyone?
Besides calling it in is there another way?
Title: Re: Random Credit Card Questions
Post by: DMYD on December 24, 2014, 11:21:33 AM
I think it's both, it goes per card & across all of them.
+1 So rather spread it out across a few cards, or if its a Business card that its not a problem. 
Title: Re: Random Credit Card Questions
Post by: @Yehuda on December 24, 2014, 11:26:13 AM
+1?
Anyone?
Besides calling it in is there another way?
Kind of... there is a way to edit the code of the website to change the automatic info that gets put into the application. Last I spoke to people, they were able to change some of the info (maybe it was the name) but not other parts (the SSN). Don't remember which data they were/weren't able to change, but if you know computers at all perhaps you can figure it out.
Title: Re: Random Credit Card Questions
Post by: clear thinker on December 24, 2014, 11:38:24 AM
Kind of... there is a way to edit the code of the website to change the automatic info that gets put into the application. Last I spoke to people, they were able to change some of the info (maybe it was the name) but not other parts (the SSN). Don't remember which data they were/weren't able to change, but if you know computers at all perhaps you can figure it out.
Only the name comes up prefilled.
No address, no ssn, etc.
Though I can put in "name on card" the question if they would accept an app where the name of card is different then the app name?
Title: Re: Random Credit Card Questions
Post by: @Yehuda on December 24, 2014, 11:49:39 AM
Only the name comes up prefilled.
No address, no ssn, etc.
Though I can put in "name on card" the question if they would accept an app where the name of card is different then the app name?
:o
Title: Re: Random Credit Card Questions
Post by: mawmaw on December 24, 2014, 01:36:05 PM
AFAIK if the last name are the same you can apply YMMV
Title: Re: Random Credit Card Questions
Post by: chuck447744 on December 25, 2014, 06:15:06 PM
AFAIK if the last name are the same you can apply YMMV

I am a noobie what does AFAIK and YMMV mean?
Title: Re: Random Credit Card Questions
Post by: TimT on December 25, 2014, 06:15:38 PM
I am a noobie what does AFAIK and YMMV mean?
http://forums.dansdeals.com/index.php?topic=10531.0
Although as far as I know "AFAIK" has nothing to do with being a noob.  :)
Title: Re: Random Credit Card Questions
Post by: themev on December 25, 2014, 09:37:47 PM
When do bonus points usually post? I was helping out a friend who was planning to book a stay at the new resort Hyatt Baha-Mar and so he applied for Ink and has been accruing UR points. The resort is going up a category though in January. He just hit the $5K spend today and his next statement is after the category increase. Is there anything he can do to get the bonus points prior to the increase? Can he try to move his statement up?
Title: Re: Random Credit Card Questions
Post by: D93 on December 26, 2014, 01:48:33 AM
When do bonus points usually post? I was helping out a friend who was planning to book a stay at the new resort Hyatt Baha-Mar and so he applied for Ink and has been accruing UR points. The resort is going up a category though in January. He just hit the $5K spend today and his next statement is after the category increase. Is there anything he can do to get the bonus points prior to the increase? Can he try to move his statement up?
You can move up the statement closing date to get the UR faster. However, make sure the points are showing up in the "Earning on next statement" section (go to the UR page and you will see it there) before you change the statement date, otherwise you will have to wait until the next statement to get them.
Title: Re: Random Credit Card Questions
Post by: ushdadude on December 27, 2014, 09:57:50 PM
If my brother is making a weekend bar mitzva at a marriott property, should he apply for marriott cc and get 5ppd or sp and get just 2ppd but more versatile?
Title: Re: Random Credit Card Questions
Post by: lunatic on December 27, 2014, 10:20:21 PM
If my brother is making a weekend bar mitzva at a marriott property, should he apply for marriott cc and get 5ppd or sp and get just 2ppd but more versatile?
Does staples sell Marriott gc? If so,  buy on an ink card
Title: Re: Random Credit Card Questions
Post by: ushdadude on December 27, 2014, 10:24:37 PM
Does staples sell Marriott gc? If so,  buy on an ink card

interesting idea but i don't know if they are the type to hand the manager hundreds of gift cards.
Title: Re: Random Credit Card Questions
Post by: lunatic on December 27, 2014, 10:30:47 PM
interesting idea but i don't know if they are the type to hand the manager hundreds of gift cards.
The idea of 5x ur might change his mind
Title: Re: Random Credit Card Questions
Post by: ckmk47 on December 28, 2014, 12:54:04 AM
Does staples sell Marriott gc? If so,  buy on an ink card
What category gives Ink 5x at Marriot?
Title: Re: Random Credit Card Questions
Post by: Dr Moose on December 28, 2014, 12:59:01 AM
What category gives Ink 5x at Marriot?
5x at office supplies stores. buy the Marriott GC at Staples ...
Title: Re: Random Credit Card Questions
Post by: ckmk47 on December 28, 2014, 01:23:48 AM
5x at office supplies stores. buy the Marriott GC at Staples ...
ahhhh! Now I get the whole discussion.  I can't see paying thousands for a bar mitzvah with 1 pile of $100 GCs.  But I guess it's possible, and 5 ppd may make the embarrassment worthwhile.
Title: Re: Random Credit Card Questions
Post by: benjie1305 on December 28, 2014, 10:04:13 AM
ahhhh! Now I get the whole discussion.  I can't see paying thousands for a bar mitzvah with 1 pile of $100 GCs.  But I guess it's possible, and 5 ppd may make the embarrassment worthwhile.

Lol. That certainly seems like a strange but awesome idea. :)

I wanna see what vendors / event producers will take GC's instead of cash.
Title: Re: Random Credit Card Questions
Post by: coralsnake on December 28, 2014, 10:56:28 AM
If my brother is making a weekend bar mitzva at a marriott property, should he apply for marriott cc and get 5ppd or sp and get just 2ppd but more versatile?
Another idea would be to signup for the Ritz Carlton credit card, currently a 140k signup bonus plus a bunch of different perks/credits including $100 hotel credit on a 2 night stay and some upgrades.

Ritz and Marriott are basically the same rewards program and points can be used at either chain.

He'd get 5x Marriott/Ritz points per dollar for payment at Marriott.

Not nearly as valuable or flexible as the 5x UR on an Ink but much less legwork. Also it seems that Marriott GC can be difficult to find at Staples. I'd check my local Staples(s) to confirm before going that route.

See here for current offer and discussion- http://forums.dansdeals.com/index.php?topic=17146.0
Title: Re: Random Credit Card Questions
Post by: clear thinker on December 28, 2014, 11:07:09 AM
5x at office supplies stores. buy the Marriott GC at Staples ...

Does staples sell Marriott gc? If so,  buy on an ink card
I don't recall ever seeing Marriott gift cards in staples.
Title: Re: Random Credit Card Questions
Post by: ushdadude on December 28, 2014, 11:15:28 AM
Another idea would be to signup for the Ritz Carlton credit card, currently a 140k signup bonus plus a bunch of different perks/credits including $100 hotel credit on a 2 night stay and some upgrades.

Ritz and Marriott are basically the same rewards program and points can be used at either chain.

He'd get 5x Marriott/Ritz points per dollar for payment at Marriott.

Not nearly as valuable or flexible as the 5x UR on an Ink but much less legwork. Also it seems that Marriott GC can be difficult to find at Staples. I'd check my local Staples(s) to confirm before going that route.

See here for current offer and discussion- http://forums.dansdeals.com/index.php?topic=17146.0 (http://forums.dansdeals.com/index.php?topic=17146.0)

Thanks. I'll pass it along
Title: Re: Random Credit Card Questions
Post by: lunatic on December 28, 2014, 11:58:24 AM
Another idea would be to signup for the Ritz Carlton credit card, currently a 140k signup bonus plus a bunch of different perks/credits including $100 hotel credit on a 2 night stay and some upgrades.

Ritz and Marriott are basically the same rewards program and points can be used at either chain.

He'd get 5x Marriott/Ritz points per dollar for payment at Marriott.

Not nearly as valuable or flexible as the 5x UR on an Ink but much less legwork. Also it seems that Marriott GC can be difficult to find at Staples. I'd check my local Staples(s) to confirm before going that route.

See here for current offer and discussion- http://forums.dansdeals.com/index.php?topic=17146.0
Might be alot of work,  but if you sign up for the Ritz and get 270k points between sign up and spend,  you can get a southwest cp. Frequent miler has a post about it
Title: Re: Random Credit Card Questions
Post by: zlt123 on December 31, 2014, 02:15:05 PM
what happend with the thread about the velue of UA & UR points? i have almost 400K UA & i want to know what the current fair velue is?
Title: Re: Random Credit Card Questions
Post by: TimT on December 31, 2014, 02:16:19 PM
what happend with the thread about the velue of UA & UR points? i have almost 400K UA & i want to know what the current fair velue is?
gone with the wind
Title: Re: Misc Random Questions
Post by: elikay on January 08, 2015, 04:40:39 PM
Does the cvv change when you get a new Sapphire card? I can't find my new card but I have my old one.
Title: Re: Misc Random Questions
Post by: TimT on January 08, 2015, 04:45:32 PM
Does the cvv change when you get a new Sapphire card? I can't find my new card but I have my old one.
When I switched from preferred to non-preferred, got same cc# different cvv. New freedom also different cvv.
Title: Re: Misc Random Questions
Post by: noturbizniss on January 09, 2015, 12:14:42 AM
Does the cvv change when you get a new Sapphire card? I can't find my new card but I have my old one.
It changes. If old one not expired yet your can probably use either one
Title: Re: Misc Random Questions
Post by: elikay on January 09, 2015, 12:54:53 AM
Just to clarify, I got a new one because old one expired.
Title: Re: Misc Random Questions
Post by: TimT on January 09, 2015, 12:55:45 AM
Just to clarify, I got a new one because old one expired.
Should be a different cvv
Title: Re: Misc Random Questions
Post by: Yitzshpitz on January 09, 2015, 10:26:13 AM
Is it possible to transfer credit from buz card to personal or vi-savers? b/c a rep for chase was giving me a hard time with it.
Title: Re: Misc Random Questions
Post by: dealfinder85 on January 09, 2015, 10:28:45 AM
Is it possible to transfer credit from buz card to personal or vi-savers? b/c a rep for chase was giving me a hard time with it.
do you mean vice versa?
Title: Re: Misc Random Questions
Post by: Yitzshpitz on January 09, 2015, 10:47:15 AM
ha. yes   :)
Title: Re: Misc Random Questions
Post by: ckmk47 on January 09, 2015, 10:48:51 AM
Is it possible to transfer credit from buz card to personal or vi-savers? b/c a rep for chase was giving me a hard time with it.
With a recent Chase recon, the rep offered to move some of the credit from an Ink (business) to the new personal card.
Title: Re: Misc Random Questions
Post by: Yitzshpitz on January 09, 2015, 10:52:06 AM
With a recent Chase recon, the rep offered to move some of the credit from an Ink (business) to the new personal card.

Ok. I probably just spoke to an ignorant rep.
Title: Re: Misc Random Questions
Post by: noturbizniss on January 09, 2015, 11:00:19 AM
Is it possible to transfer credit from buz card to personal or vi-savers? b/c a rep for chase was giving me a hard time with it.
I was never able to do that when I was trying to open new accounts.
Title: Re: Misc Random Questions
Post by: avromie7 on January 09, 2015, 11:15:24 AM
Ok. I probably just spoke to an ignorant rep.
typical case of DROPR
Title: Re: Misc Random Questions
Post by: HP58 on January 10, 2015, 06:21:19 PM
I was never able to do that when I was trying to open new accounts.
Don't know about biz to personal, but I know I want able to transfer from personal to biz.
Title: Re: Misc Random Questions
Post by: ChaimMoskowitz on January 11, 2015, 07:37:06 AM
With a recent Chase recon, the rep offered to move some of the credit from an Ink (business) to the new personal card.
Offered and moving are two different things. Was it actually moved?
Title: Re: Misc Random Questions
Post by: Sport on January 11, 2015, 08:02:09 AM

Don't know about biz to personal, but I know I want able to transfer from personal to biz.
+1 I was able to move from freedom to ink.
Title: Re: Misc Random Questions
Post by: ckmk47 on January 11, 2015, 11:48:09 PM
Offered and moving are two different things. Was it actually moved?
Yes!  He offered;I took him upon it.  Done!
Title: Re: Random Credit Card Questions
Post by: clear thinker on January 12, 2015, 08:34:14 PM
I was somewhere on amex last week and I saw a targeted offer of 75k MR for opening a gold from American express, though I can't seem to find it.
Anyone knows where I can find such a thing pls?
I would really appreciate help!
Title: Re: Random Credit Card Questions
Post by: TimT on January 12, 2015, 08:36:00 PM
I was somewhere on amex last week and I saw a targeted offer of 75k MR for opening a gold from American express, though I can't seem to find it.
Anyone knows where I can find such a thing pls?
I would really appreciate help!
Are you talking about this ?
http://forums.dansdeals.com/index.php?topic=14451.msg982998#msg982998
Title: Re: Random Credit Card Questions
Post by: clear thinker on January 12, 2015, 08:40:24 PM
Are you talking about this ?
http://forums.dansdeals.com/index.php?topic=14451.msg982998#msg982998
No I was signed into my amex account when I saw a popup on top saying that I can apply now to get 75k MR
Title: Re: Random Credit Card Questions
Post by: TimT on January 12, 2015, 08:47:06 PM
No I was signed into my amex account when I saw a popup on top saying that I can apply now to get 75k MR
It's very targeted. Next time you see it click on it.
Title: Re: Random Credit Card Questions
Post by: zionest on January 12, 2015, 08:47:42 PM
 amex closed my amex business platinum this morning after my wife swiped my card in her business last night. Anyone with ideas of how to have  them reopen or have them report it as i closed it? Can you please direct me to A post that discusses this
Title: Re: Random Credit Card Questions
Post by: TimT on January 12, 2015, 08:50:06 PM
  Can you please direct me to A post that discusses this
http://forums.dansdeals.com/index.php?topic=8.msg1026738#msg1026738
You sure they closed it for that or is there perhaps a different reason ?
Title: Re: Random Credit Card Questions
Post by: clear thinker on January 16, 2015, 09:21:22 AM
Do I have to activate chase new additional cards?
Title: Re: Random Credit Card Questions
Post by: TimT on January 16, 2015, 09:28:25 AM
Do I have to activate chase new additional cards?
Chase au's are the same 16 digits as the primary card.
Title: Re: Random Credit Card Questions
Post by: clear thinker on January 16, 2015, 09:45:48 AM
Chase au's are the same 16 digits as the primary card.
In other words like I thought you don't have to.
Title: Re: Random Credit Card Questions
Post by: clear thinker on January 16, 2015, 09:47:37 AM
Chase au's are the same 16 digits as the primary card.
The extent of my question is, that I ordered an additional for a friend 3 days ago but he wants to rent a car now even though he didn't get the card yet, technically he still can right?
Title: Re: Random Credit Card Questions
Post by: TimT on January 16, 2015, 11:08:29 AM
The extent of my question is, that I ordered an additional for a friend 3 days ago but he wants to rent a car now even though he didn't get the card yet, technically he still can right?
IDK if it would have a different exp date or not but otherwise should be fine.
Title: Re: Random Credit Card Questions
Post by: clear thinker on January 16, 2015, 11:10:38 AM
IDK if it would have a different exp date or not but otherwise should be fine.
Oh right.
Tnx
Title: Re: Random Credit Card Questions
Post by: D93 on January 17, 2015, 12:22:03 PM
The extent of my question is, that I ordered an additional for a friend 3 days ago but he wants to rent a car now even though he didn't get the card yet, technically he still can right?
He can, just use your card.
IDK if it would have a different exp date or not but otherwise should be fine.
Card will have same expiration 
Title: Re: Random Credit Card Questions
Post by: TimT on January 17, 2015, 06:07:19 PM
Card will have same expiration
Even if I order it 2 years after opening the account ?
Title: Re: Random Credit Card Questions
Post by: Dr Moose on January 17, 2015, 06:12:56 PM
The extent of my question is, that I ordered an additional for a friend 3 days ago but he wants to rent a car now even though he didn't get the card yet, technically he still can right?
how can you rent a car with a cc not in your name?
Title: Re: Random Credit Card Questions
Post by: sammy n on January 17, 2015, 06:25:04 PM

how can you rent a car with a cc not in your name?
Dont think you can.
Title: Re: Random Credit Card Questions
Post by: clear thinker on January 17, 2015, 07:11:21 PM
how can you rent a car with a cc not in your name?

Dont think you can.
It his in his name, I did order him a card he just didn't receive it yet, and the company is willing to take the numbers without the physical card.
Title: Re: Random Credit Card Questions
Post by: Emkay on January 17, 2015, 07:12:45 PM
how can you rent a car with a cc not in your name?
by the jewish guy in flatbush
Title: Re: Random Credit Card Questions
Post by: mawmaw on January 17, 2015, 07:22:43 PM
how can you rent a car with a cc not in your name?
just get the acc holder to be the primary on the rental and you as a second driver   
Title: Re: Random Credit Card Questions
Post by: D93 on January 18, 2015, 02:52:31 AM
how can you rent a car with a cc not in your name?
Dont think you can.
by the jewish guy in flatbush

Even with hertz it's possible. Just tell them this -

It his in his name, I did order him a card he just didn't receive it yet, and the company is willing to take the numbers without the physical card.
Title: Re: Random Credit Card Questions
Post by: Dr Moose on January 18, 2015, 02:57:04 AM
Even with hertz it's possible. Just tell them this -
I have no personal experience with this, but with the experience I do have with renting, I highly doubt that it'll work with hertz.
Title: Re: Random Credit Card Questions
Post by: D93 on January 18, 2015, 03:00:40 AM
I have no personal experience with this, but with the experience I do have with renting, I highly doubt that it'll work with hertz.
Well i do have personal experience with this, and it works.
However huge Data Point: I'm good friends with the Hertz Manager where i did this.
Title: Re: Random Credit Card Questions
Post by: Dr Moose on January 18, 2015, 03:01:42 AM


Well i do have personal experience with this, and it works.
However huge Data Point: I'm good friends with the Hertz Manager where i did this.
I would assume that's the reason it worked
Title: Re: Random Credit Card Questions
Post by: D93 on January 18, 2015, 03:09:51 AM
I would assume that's the reason it worked
True. But I was just stating that it is possible.
Title: Re: Random Credit Card Questions
Post by: Emkay on January 18, 2015, 04:03:57 AM
It his in his name, I did order him a card he just didn't receive it yet, and the company is willing to take the numbers without the physical card.
Which company?
Title: Re: Random Credit Card Questions
Post by: Emkay on January 18, 2015, 04:05:15 AM
Well i do have personal experience with this, and it works.
However huge Data Point: I'm good friends with the Hertz Manager where i did this.
I highly doubt that this would work at any hertz location without being hooked up in said branch
Title: Re: Random Credit Card Questions
Post by: clear thinker on January 18, 2015, 09:34:41 AM
Which company?
A Heimeshe company in monsey.
Title: Re: Random Credit Card Questions
Post by: Emkay on January 18, 2015, 09:42:18 AM
A Heimeshe company in monsey.
Figured such
Title: Re: Random Credit Card Questions
Post by: Boruch999 on February 19, 2015, 04:48:45 AM
DDMS post about reactivating expired miles mentioned crediting car rental to any millage account.  I don't have any expired miles,  but I do have a rental from about 10 months ago that I wouldn't mind getting miles for.  Is there an appropriate thread for this?
Title: Re: Random Credit Card Questions
Post by: Red on February 19, 2015, 05:29:45 AM
DDMS post about reactivating expired miles mentioned crediting car rental to any millage account.  I don't have any expired miles,  but I do have a rental from about 10 months ago that I wouldn't mind getting miles for.  Is there an appropriate thread for this?
You may be able to sell it to someone needing to reactivate their miles.
Title: Re: Random Credit Card Questions
Post by: Boruch999 on February 19, 2015, 05:31:13 AM
You may be able to sell it to someone needing to reactivate their miles.

Didn't think of that.  How much is it worth?
Title: Re: Random Credit Card Questions
Post by: Red on February 19, 2015, 05:33:38 AM
Didn't think of that.  How much is it worth?
No idea, saw people asking for it around the forum.
Title: Re: Random Credit Card Questions
Post by: Boruch999 on February 19, 2015, 05:39:09 AM
No idea, saw people asking for it around the forum.

I'll post it in goods for sale.  Need to come up with the right nusach.  "Car rental credit to reinstate expired miles for sale"  seems a bit cumbersome.
Title: Re: Random Credit Card Questions
Post by: Red on February 19, 2015, 05:41:51 AM
I'll post it in goods for sale.  Need to come up with the right nusach.  "Car rental credit to reinstate expired miles for sale"  seems a bit cumbersome.
Found a thread http://forums.dansdeals.com/index.php?topic=48643
Title: Re: Random Credit Card Questions
Post by: Boruch999 on February 19, 2015, 05:43:30 AM
Thanks!
Title: Re: Random Credit Card Questions
Post by: Boruch999 on February 19, 2015, 05:46:07 AM
Is it allowed to also post in the sale board?
Title: Re: Random Credit Card Questions
Post by: yitzy93 on February 20, 2015, 04:46:27 AM
I used the trick to improve my credit score by keeping a $0.50 balance on my Discover card (which I don't use) but when the statement closed, it closed with a $0.00 balance.
(I checked the day before my statement closed and it still had a $0.50 balance.)
Anyone have an explanation for this?
Title: Re: Random Credit Card Questions
Post by: Red on February 20, 2015, 04:55:15 AM
I used the trick to improve my credit score by keeping a $0.50 balance on my Discover card (which I don't use) but when the statement closed, it closed with a $0.00 balance.
(I checked the day before my statement closed and it still had a $0.50 balance.)
Anyone have an explanation for this?
many banks will not charge anything when a statement is below $1.
Title: Re: Random Credit Card Questions
Post by: D93 on February 20, 2015, 05:02:11 AM
many banks will not charge anything when a statement is below $1.
+1. They'll just refund you the money. And some banks don't even report the balance to the bureaus when it's under $5.
Title: Re: Random Credit Card Questions
Post by: yitzy93 on February 20, 2015, 05:03:31 AM
many banks will not charge anything when a statement is below $1.

Interesting. Thanks.
Title: Re: Random Credit Card Questions
Post by: clear thinker on February 23, 2015, 12:10:02 PM
A friend of mined missed a payment by one day with his chase credit card. he called them and they said there is nothing they can do because it gets reported automatically on that same day! True or DROPR??
Title: Re: Random Credit Card Questions
Post by: tjak on February 23, 2015, 12:49:31 PM

A friend of mined missed a payment by one day with his chase credit card. he called them and they said there is nothing they can do because it gets reported automatically on that same day! True or DROPR??
DROPR.
Title: Re: Random Credit Card Questions
Post by: D93 on February 23, 2015, 12:51:38 PM
A friend of mined missed a payment by one day with his chase credit card. he called them and they said there is nothing they can do because it gets reported automatically on that same day! True or DROPR??
DROPR. it doesn't get reported to the bureaus as a late payment until it's at least 30 days late.
Title: Re: Random Credit Card Questions
Post by: clear thinker on February 23, 2015, 02:22:08 PM
DROPR.

DROPR. it doesn't get reported to the bureaus as a late payment until it's at least 30 days late.
So huca?  Or no need it anyways won't be reported?
Title: Re: Random Credit Card Questions
Post by: coralsnake on February 23, 2015, 02:23:38 PM
So huca?  Or no need it anyways won't be reported?
No need because:

it doesn't get reported to the bureaus as a late payment until it's at least 30 days late.
Title: Re: Random Credit Card Questions
Post by: tjak on February 23, 2015, 02:23:55 PM

So huca?  Or no need it anyways won't be reported?
It won't be reported. But you might wanna call to get the fee waived.
Title: Re: Random Credit Card Questions
Post by: clear thinker on February 23, 2015, 03:31:53 PM
No need because:

It won't be reported. But you might wanna call to get the fee waived.
Tnx.
Title: Re: Random Credit Card Questions
Post by: rs242 on February 23, 2015, 09:51:51 PM
Looking for the best card to get for miles for flights?
Title: Re: Random Credit Card Questions
Post by: TimT on February 23, 2015, 09:52:49 PM
Looking for the best card to get for miles for flights?
That's a big question. What miles do you want to collect ?
Title: Re: Random Credit Card Questions
Post by: yuguy on February 23, 2015, 10:03:47 PM
Looking for the best card to get for miles for flights?

That's a big question. What miles do you want to collect ?

Or is there somewhere (and sometime) you're specifically looking to go?
Title: Re: Random Credit Card Questions
Post by: rs242 on February 23, 2015, 10:34:42 PM
I have delta but everyone says that it's not a great program and not worth spending on it so I guess a card for miles for flights around the U.S. Chatsworth spending on
Title: Re: Random Credit Card Questions
Post by: noturbizniss on February 23, 2015, 10:38:09 PM
A friend of mined missed a payment by one day with his chase credit card. he called them and they said there is nothing they can do because it gets reported automatically on that same day! True or DROPR??
Reported to credit bureau you mean? If so, then yes. DROPR.  Minimum reporting time is if not paid 30 days after due date.
Title: Re: Random Credit Card Questions
Post by: Chapshnell on February 23, 2015, 10:38:24 PM
I have delta but everyone says that it's not a great program and not worth spending on it so I guess a card for miles for flights around the U.S. Chatsworth spending on

Delta is good for travel to SLC, MCI & MSP. Otherwise IMO its garbage.
You should signup for a SPG card personal & business. I dont think you will regret it :)
Title: Re: Random Credit Card Questions
Post by: Chapshnell on February 23, 2015, 10:44:35 PM
did a 4bm with chase, 2 inks got approved after multiple hucas. the united & the british airways I didnt huca yet for.. do I huca or should I be happy with 2/4?
Title: Re: Random Credit Card Questions
Post by: benjie1305 on February 23, 2015, 10:45:59 PM
did a 4bm with chase, 2 inks got approved after multiple hucas. the united & the british airways I didnt huca yet for.. do I huca or should I be happy with 2/4?

Got to HUCA. You basically got 0 cards out of your personal pull.
Title: Re: Random Credit Card Questions
Post by: TimT on February 23, 2015, 10:49:04 PM
did a 4bm with chase, 2 inks got approved after multiple hucas. the united & the british airways I didnt huca yet for.. do I huca or should I be happy with 2/4?
Both ink plus ?
Title: Re: Random Credit Card Questions
Post by: yuguy on February 23, 2015, 10:54:56 PM
I have delta but everyone says that it's not a great program and not worth spending on it so I guess a card for miles for flights around the U.S. Chatsworth spending on

I have both SW (personal and plus) and british and Iove them both for short/medium haul around the US. southwest can be useful for you if you're in one of their focus cities.
Title: Re: Random Credit Card Questions
Post by: Chapshnell on February 23, 2015, 10:56:12 PM
Both ink plus ?

yes, 60k ea
Title: Re: Random Credit Card Questions
Post by: Chapshnell on February 23, 2015, 10:57:14 PM
I have both SW (personal and plus) and british and Iove them both for short/medium haul around the US. southwest can be useful for you if you're in one of their focus cities.

with their devaluation again its better if you use a chase card that gives ur points. ur points transfer into sw & ba if you need it at that time. otherwise you have numerous other options to transfer to
Title: Re: Random Credit Card Questions
Post by: Chapshnell on February 23, 2015, 10:57:35 PM
Got to HUCA. You basically got 0 cards out of your personal pull.

wont merge with the biz cards?
Title: Re: Random Credit Card Questions
Post by: benjie1305 on February 23, 2015, 10:58:08 PM
wont merge with the biz cards?

No. Biz+personal card=2 pulls.
Title: Re: Random Credit Card Questions
Post by: Chapshnell on February 23, 2015, 10:58:58 PM
oooh... ok.. I assumed.. the mother of all mess ups.. and I thought it was 1 pull  ::)
Title: Re: Random Credit Card Questions
Post by: benjie1305 on February 23, 2015, 11:00:00 PM
oooh... ok.. I assumed.. the mother of all mess ups.. and I thought it was 1 pull  ::)

Go after them! Nothing but 4 approved cards will be accepted ;)
Title: Re: Random Credit Card Questions
Post by: rs242 on February 23, 2015, 11:01:48 PM
Delta is good for travel to SLC, MCI & MSP. Otherwise IMO its garbage.
You should signup for a SPG card personal & business. I dont think you will regret it :)
slc? Mci? Mps? Little help here what does that mean. Sorry New here.
Title: Re: Random Credit Card Questions
Post by: yuguy on February 23, 2015, 11:09:03 PM
with their devaluation again its better if you use a chase card that gives ur points. ur points transfer into sw & ba if you need it at that time. otherwise you have numerous other options to transfer to

Won't comment too much on the upcoming southwest devaluation, but if all he wants to do is fly around the US, 4.5/7.5/10/12.5k redemptions still can't be beat, IMO. And with amex's once lifetime on personal, 25k (ultimately 30k, let's assume) has better uses IME anD IMO. CSP does serve some of that purpose, too--another great card but requires a bit more work/knowledge. And the spend is less on SW and british
Title: Re: Random Credit Card Questions
Post by: TimT on February 23, 2015, 11:09:28 PM
slc? Mci? Mps? Little help here what does that mean. Sorry New here.
slc-salt lake city airport
MCI-Kansas city airport
Msp-Minneapolis St. Paul airport
Title: Re: Random Credit Card Questions
Post by: TimT on February 23, 2015, 11:10:40 PM
oooh... ok.. I assumed.. the mother of all mess ups.. and I thought it was 1 pull  ::)
You're thinking amex.
Title: Re: Random Credit Card Questions
Post by: solls108 on February 23, 2015, 11:12:08 PM
Won't comment too much on the upcoming southwest devaluation, but if all he wants to do is fly around the US, 4.5/7.5/10/12.5k redemptions still can't be beat, IMO. And with amex's once lifetime on personal, 25k (ultimately 30k, let's assume) has better uses IME anD IMO. CSP does serve some of that purpose, too--another great card but requires a bit more work/knowledge. And the spend is less on SW and british

What are going to be the southwest devaluations?
Title: Re: Random Credit Card Questions
Post by: TimT on February 23, 2015, 11:14:54 PM
What are going to be the southwest devaluations?
http://forums.dansdeals.com/index.php?topic=49751.0
Title: Re: Random Credit Card Questions
Post by: noturbizniss on February 23, 2015, 11:29:54 PM
oooh... ok.. I assumed.. the mother of all mess ups.. and I thought it was 1 pull  ::)
FYI, there have been no recent reports of success with Chase more than 2 cards in 30 days. I'll link to Clear thinker's solution of calling to recon after 10 days or so, having denial for same reason but no new pull, then call on day 31 and use same original pull and get approved.
Basically every time u call recon & they actually reconsider for u (which prompts them to send a new letter) then ur clock resets for another 30 days.
Title: Re: Random Credit Card Questions
Post by: rs242 on February 23, 2015, 11:31:16 PM
Won't comment too much on the upcoming southwest devaluation, but if all he wants to do is fly around the US, 4.5/7.5/10/12.5k redemptions still can't be beat, IMO. And with amex's once lifetime on personal, 25k (ultimately 30k, let's assume) has better uses IME anD IMO. CSP does serve some of that purpose, too--another great card but requires a bit more work/knowledge. And the spend is less on SW and british
so witch card are suggesting
Title: Re: Random Credit Card Questions
Post by: Chapshnell on February 23, 2015, 11:34:56 PM
I would do a 3BM for PRG, SPG Personal, SPG Biz if Im you
Title: Re: Random Credit Card Questions
Post by: yuguy on February 23, 2015, 11:38:23 PM
so witch card are suggesting

New in the game--only one card, right?

I would do british and SW or two southwest cards of you have use of the companion pass.
Title: Re: Random Credit Card Questions
Post by: yuguy on February 23, 2015, 11:42:15 PM
FYI, there have been no recent reports of success with Chase more than 2 cards in 30 days. I'll link to Clear thinker's solution of calling to recon after 10 days or so, having denial for same reason but no new pull, then call on day 31 and use same original pull and get approved.

I tried that and they never resent the letter. However, when I called on day 31 the rep never mentioned my previous 6-7 calls and said "oh, you want a second recon?" And he did. I was approved! Maybe just got the right rep. As always, YMMV.
Title: Re: Random Credit Card Questions
Post by: rs242 on February 23, 2015, 11:42:36 PM
Have spg personal and it's a great card to earn for hotels wondering what's best for flights sounds like British or sw. What's RPG
Title: Re: Random Credit Card Questions
Post by: TimT on February 23, 2015, 11:44:01 PM
Have spg personal and it's a great card to earn for hotels wondering what's best for flights sounds like British or sw. What's RPG
PRG- premier rewards gold from amex. It's a MR earning card
Title: Re: Random Credit Card Questions
Post by: noturbizniss on February 23, 2015, 11:44:35 PM
I tried that and they never resent the letter. However, when I called on day 31 the rep never mentioned my previous 6-7 calls and said "oh, you want a second recon?" And he did. I was approved! Maybe just got the right rep. As always, YMMV.
Have you confirmed that it was not a new pull?
Title: Re: Random Credit Card Questions
Post by: TimT on February 23, 2015, 11:45:31 PM
sorry but what's MR?
membership rewards
Title: Re: Random Credit Card Questions
Post by: yuguy on February 23, 2015, 11:49:15 PM
Have you confirmed that it was not a new pull?

Misplaced my letter on the original denial, so couldn't check EX, but Never got a notification of new inquiry from Credit sesame (though they did report the new account, so that's a good sign!) And only 1 inquiry from the original app date
Title: Re: Random Credit Card Questions
Post by: noturbizniss on February 23, 2015, 11:51:09 PM
Misplaced my letter on the original denial, so couldn't check EX, but Never got a notification of new inquiry from Credit sesame (though they did report the new account, so that's a good sign!) And only 1 inquiry from the original app date
Are your familiar with the experian trick die unlimited updates of your credit report?
Title: Re: Random Credit Card Questions
Post by: yuguy on February 23, 2015, 11:54:08 PM
Are your familiar with the experian trick die unlimited updates of your credit report?

No but I'd love to learn it! (I also have the employees ID if he wasn't truthful in not pulling my report)
Title: Re: Random Credit Card Questions
Post by: noturbizniss on February 23, 2015, 11:57:41 PM
No but I'd love to learn it! (I also have the employees ID if he wasn't truthful in not pulling my report)


https://www.annualcreditreport.com/
Free once a year for all 3 bureaus.



Once you get the experian one you can go to experian.com/viewreport,and as long as you go less than 90 days later you can constantly pull an updated version.
You just need the report number from the original report. Save it as pdf so you have it
Title: Re: Random Credit Card Questions
Post by: yuguy on February 24, 2015, 12:00:08 AM


You just need the report number from the original report. Save it as pdf so you have it

Really? Great to know! Last I checked it was September and i believe I DID save that report. Will have to report back tomorrow.
Title: Re: Random Credit Card Questions
Post by: ckmk47 on February 24, 2015, 12:00:56 AM


You just need the report number from the original report. Save it as pdf so you have it
Thanks!
Title: Re: Random Credit Card Questions
Post by: noturbizniss on February 24, 2015, 12:03:36 AM
Really? Great to know! Last I checked it was September and i believe I DID save that report. Will have to report back tomorrow.
More than 90 days though.
There might be a trial thingy available fire a few bucks. I've been viewing mine and my wife's every few weeks since August.
Title: Re: Random Credit Card Questions
Post by: yuguy on February 24, 2015, 12:05:51 AM
More than 90 days though.
There might be a trial thingy available fire a few bucks. I've been viewing mine and my wife's every few weeks since August.

Oh now I think I get the hack. But I'd still need my most recent report #. I'll try, though. TY.
Title: Re: Random Credit Card Questions
Post by: noturbizniss on February 24, 2015, 12:07:11 AM
Oh now I think I get the hack. But I'd still need my most recent report #. I'll try, though. TY.
I think the chap is that the report stays live in their system for 90 days so it can be refreshed. I could be wrong.
Title: Re: Random Credit Card Questions
Post by: clear thinker on February 24, 2015, 06:58:11 AM
Reported to credit bureau you mean? If so, then yes. DROPR.  Minimum reporting time is if not paid 30 days after due date.
Tnx
Title: Re: Random Credit Card Questions
Post by: Boruch999 on February 24, 2015, 07:20:44 AM
More than 90 days though.
There might be a trial thingy available fire a few bucks. I've been viewing mine and my wife's every few weeks since August.

The current EX trial with FICO doesnt provide a report number.  It could be if you initiate a dispute you can get one.
Title: Re: Random Credit Card Questions
Post by: benjie1305 on February 24, 2015, 08:51:41 AM


You just need the report number from the original report. Save it as pdf so you have it

Wait - so this lets you pull/refresh it on EX's website all the time if its within 90 days of the annualcreditreport? Does this go forever?
Title: Re: Random Credit Card Questions
Post by: TimT on February 24, 2015, 08:52:38 AM
Wait - so this lets you pull/refresh it on EX's website all the time if its within 90 days of the annualcreditreport? Does this go forever?
;)
Title: Re: Random Credit Card Questions
Post by: benjie1305 on February 24, 2015, 08:54:42 AM
;)

 8) 8)

Game changer! Only thing is that I must be right on the 90 day cut off. Need to check at home. #nervous
Title: Re: Random Credit Card Questions
Post by: zlt123 on February 24, 2015, 11:27:33 AM
you could get a free report evrey time you get deneid even if in the end you do get approved vie recon
Title: Re: Random Credit Card Questions
Post by: dealfinder85 on February 24, 2015, 11:29:25 AM
8) 8)

Game changer! Only thing is that I must be right on the 90 day cut off. Need to check at home. #nervous
im confused
you get your initial report from freecreditreport?
Title: Re: Random Credit Card Questions
Post by: benjie1305 on February 24, 2015, 11:33:04 AM
im confused
you get your initial report from freecreditreport?

Yes. Get the report # and use that on EX from what I understand.
Title: Re: Random Credit Card Questions
Post by: dealfinder85 on February 24, 2015, 11:33:52 AM
Yes. Get the report # and use that on EX from what I understand.
this only works for experian? or you are just speaking in terms of what matters in ny area for the most part.
what do you do on the EX site once you have your credit report from FCR.com?
Title: Re: Random Credit Card Questions
Post by: benjie1305 on February 24, 2015, 11:35:28 AM
this only works for experian? or you are just speaking in terms of what matters in ny area for the most part.
what do you do on the EX site once you have your credit report from FCR.com?

Once you get the experian one you can go to experian.com/viewreport,and as long as you go less than 90 days later you can constantly pull an updated version.
Title: Re: Random Credit Card Questions
Post by: dealfinder85 on February 24, 2015, 11:41:52 AM

where is the report number
Title: Re: Random Credit Card Questions
Post by: noturbizniss on February 24, 2015, 11:42:45 AM
im confused
you get your initial report from freecreditreport?
Not freecreditreport.Com annualcreditreport.Com
Title: Re: Random Credit Card Questions
Post by: dealfinder85 on February 24, 2015, 11:46:16 AM
since i got it from freecreditreport, i cant get it from annualcreditreport
Title: Re: Random Credit Card Questions
Post by: clear thinker on February 24, 2015, 12:41:24 PM
you could get a free report evrey time you get deneid even if in the end you do get approved vie recon
I can't see why u can't request ur credit report even if u weren't denied just for applying, u think experian knows if I actually got approved right away?
Anyone agrees with me?
Title: Re: Random Credit Card Questions
Post by: zlt123 on February 24, 2015, 12:47:27 PM
i also tought so at first but then i chaped that the new account gets reported to the CB so thats mabey how they know that u were approved, But then again mabey it was approved vie Recon?! so i dont know but by lew its only if you were decleind
Title: Re: Random Credit Card Questions
Post by: TimT on February 24, 2015, 12:55:45 PM
I can't see why u can't request ur credit report even if u weren't denied just for applying, u think experian knows if I actually got approved right away?
Anyone agrees with me?
This (http://forums.dansdeals.com/index.php?topic=17068.0) from a few years ago
Title: Re: Random Credit Card Questions
Post by: clear thinker on February 24, 2015, 01:01:57 PM
I can't see why u can't request ur credit report even if u weren't denied just for applying, u think experian knows if I actually got approved right away?
Anyone agrees with me?

i also tought so at first but then i chaped that the new account gets reported to the CB so thats mabey how they know that u were approved, But then again mabey it was approved vie Recon?! so i dont know but by lew its only if you were decleind
@saver2000 agrees with me.
http://forums.dansdeals.com/index.php?topic=17068.msg240839.msg#240839
Tnx @TimT
Title: Re: Random Credit Card Questions
Post by: yuguy on February 24, 2015, 01:22:57 PM
Have you confirmed that it was not a new pull?

Was able to check EX and yes, just one pull on the original application date of Jan. 19, 2015!
Title: Re: Random Credit Card Questions
Post by: noturbizniss on February 24, 2015, 01:29:31 PM
since i got it from freecreditreport, i cant get it from annualcreditreport
you can get it from annualcreditreport once a year, regardless of other reports you may have gotten, IINM.  If you already got it in the last 365 days from experian through annualcreditreport then you have to wait.
Title: Re: Random Credit Card Questions
Post by: rs242 on February 24, 2015, 05:35:25 PM
i had a low credit limit on my spg so i requested a increase do they do a pull for that?
Title: Re: Random Credit Card Questions
Post by: avromie7 on February 24, 2015, 05:37:17 PM
i had a low credit limit on my spg so i requested a increase do they do a pull for that?
they shouldn't unless they tell you
Title: Re: Random Credit Card Questions
Post by: Chapshnell on February 24, 2015, 05:46:50 PM
Sometimes its a soft pull YMMV
Title: Re: Random Credit Card Questions
Post by: Dr Moose on February 24, 2015, 05:47:01 PM
i had a low credit limit on my spg so i requested a increase do they do a pull for that?
yes
Title: Re: Random Credit Card Questions
Post by: avromie7 on February 24, 2015, 05:53:56 PM
i had a low credit limit on my spg so i requested a increase do they do a pull for that?

Sometimes its a soft pull YMMV

yes
When I got an increase I definitely didn't get a hard pull maybe I got a soft pull I would have no way of knowing because each hard pull I can match to a card but I don't know anything about all the soft pulls (who cares about the soft pulls)
Title: Re: Random Credit Card Questions
Post by: noturbizniss on February 24, 2015, 07:44:25 PM
barclays is a hard pull for increase if you ask for it.
Title: Re: Random Credit Card Questions
Post by: benjie1305 on February 24, 2015, 08:39:01 PM
;)



You just need the report number from the original report. Save it as pdf so you have it

Just did it. Amazing!
Title: Re: Random Credit Card Questions
Post by: Centro on February 26, 2015, 11:42:04 AM
Chase (recon) approved my Sapphire after closing my United, 20 minutes now and I see no change in my account,
How long does it usually take to be updated?
Title: Re: Random Credit Card Questions
Post by: avromie7 on February 26, 2015, 12:06:46 PM


You just need the report number from the original report. Save it as pdf so you have it
I just saved the report number as a text document on my desktop
Title: Re: Random Credit Card Questions
Post by: D93 on February 26, 2015, 12:42:58 PM
Chase (recon) approved my Sapphire after closing my United, 20 minutes now and I see no change in my account,
How long does it usually take to be updated?
It can take up to a few hours to show up.
Title: Re: Random Credit Card Questions
Post by: Traveller on February 26, 2015, 02:40:29 PM
When I got an increase I definitely didn't get a hard pull maybe I got a soft pull I would have no way of knowing because each hard pull I can match to a card but I don't know anything about all the soft pulls (who cares about the soft pulls)

I got a letter in the mail declining the credit increase for my spg. In the letter it contained my credit score. How do I know of I got a pull for the request of increase or not? If they did pull can I get it off (i wouldnt have requested if I knew there would be a pull)?
Title: Re: Random Credit Card Questions
Post by: avromie7 on February 26, 2015, 02:41:19 PM
I got a letter in the mail declining the credit increase for my spg. In the letter it contained my credit score. How do I know of I got a pull for the request of increase or not? If they did pull can I get it off (i wouldnt have requested if I knew there would be a pull)?
You can check your report
Title: Re: Random Credit Card Questions
Post by: Emkay on February 26, 2015, 02:44:50 PM


I got a letter in the mail declining the credit increase for my spg. In the letter it contained my credit score. How do I know of I got a pull for the request of increase or not? If they did pull can I get it off (i wouldnt have requested if I knew there would be a pull)?

You probably got one,  if they didn't tell you specifically no pull then it's not going to be simple
Title: Re: Random Credit Card Questions
Post by: Centro on February 26, 2015, 07:49:24 PM
Chase (recon) approved my Sapphire after closing my United, 20 minutes now and I see no change in my account,
How long does it usually take to be updated?


It can take up to a few hours to show up.
9 hours now and still nothing, is this the norm?
Title: Re: Random Credit Card Questions
Post by: yuguy on February 26, 2015, 07:58:04 PM
9 hours now and still nothing, is this the norm?

IME, my hyatt card had to be added manually. Then most recently my Marriott took time until I got the email that my card was in the way.

If you were approved I don't see the ha calling and asking when it'll appear.
Title: Re: Random Credit Card Questions
Post by: benjie1305 on February 26, 2015, 07:58:08 PM

9 hours now and still nothing, is this the norm?

You can always call them and ask.
Title: Re: Random Credit Card Questions
Post by: Centro on February 26, 2015, 08:07:11 PM
You can always call them and ask.
IME, my hyatt card had to be added manually. Then most recently my Marriott took time until I got the email that my card was in the way.

If you were approved I don't see the ha calling and asking when it'll appear.
Ok, ill call.
Title: Re: Random Credit Card Questions
Post by: yyonah on February 27, 2015, 12:56:21 PM
I have a bill of around $1600 that I need to pay, so I thought it would be a good opportunity to get another card since that would be a good chunk of initial spend. I currently have Ink, Ink+, BA, Freedom, Sapphire Preferred, AMEX Everyday Preferred, United MileagePlus Explorer, AAdvantage, and US Airways. So I figured SPG would be a good one to get. I applied and was approved. Then I looked at the bill and saw that they don't take AMEX. OK, no problem, I can use my Redbird to generate the $5000 spend over the next six months. But I still would like to use that bill for initial spend. So what Visa or MC (or Discover) should I get? I rarely stay in hotels, I travel to Israel a fair amount, and I do some domestic travel.
Title: Re: Random Credit Card Questions
Post by: lunatic on February 27, 2015, 12:59:31 PM
Maybe the amex prg

ETA : that's right, no amex
Title: Re: Random Credit Card Questions
Post by: samtam on March 09, 2015, 03:25:33 PM
Can i transfer membership rewards to spg?
Title: Re: Random Credit Card Questions
Post by: D93 on March 09, 2015, 03:36:20 PM
Can i transfer membership rewards to spg?
Yes, but at a horrible rate of 3:1
Title: Re: Random Credit Card Questions
Post by: Welder on March 09, 2015, 04:16:37 PM
A friend of mine (22 yr) with no credit history wants to open his first card but doesn't have a relative with good history to be added as an AU. He's also not interested in a student or secured card. He asked me about the PayPal CC - he's had an account with them for a long time - (See here for more info: https://www.paypal.com/webapps/mpp/credit-card). So I'm wondering what do people here think about that idea?
Title: Re: Random Credit Card Questions
Post by: yuguy on March 09, 2015, 04:21:39 PM
A friend of mine (22 yr) with no credit history wants to open his first card but doesn't have a relative with good history to be added as an AU. He's also not interested in a student or secured card. He asked me about the PayPal CC - he's had an account with them for a long time - (See here for more info: https://www.paypal.com/webapps/mpp/credit-card). So I'm wondering what do people here think about that idea?

Has he applied for any cards recently and gotten denied?
Title: Re: Random Credit Card Questions
Post by: Welder on March 09, 2015, 04:29:02 PM
Has he applied for any cards recently and gotten denied?
Nope. He's never applied for any sort of credit in his life. A credit virgin ;)
Title: Re: Random Credit Card Questions
Post by: DMYD on March 09, 2015, 04:32:38 PM
Nope. He's never applied for any sort of credit in his life. A credit virgin ;)
Let him read up here http://forums.dansdeals.com/index.php?topic=266.0
Title: Re: Random Credit Card Questions
Post by: yuguy on March 09, 2015, 04:33:23 PM
Let him read up here http://forums.dansdeals.com/index.php?topic=266.0

Sums it up much better than what I was about to respond..
Title: Re: Random Credit Card Questions
Post by: samtam on March 10, 2015, 12:38:45 AM
I plan on going on vacation in two weeks and i need about 18k spg points does anybody have an idea of how to get it
1. I used mine and my wife's  target red card already for the month
2. I dont have much available credit on my spg card to go on a spending splurge
the room cost about  $500/12k spg 
Whats my best option?? Buy points from spg? Broker? Pay for the room? Transfer from membership rewards?
Title: Re: Random Credit Card Questions
Post by: Marco Polo on March 10, 2015, 09:49:58 AM
I plan on going on vacation in two weeks and i need about 18k spg points does anybody have an idea of how to get it
1. I used mine and my wife's  target red card already for the month
2. I dont have much available credit on my spg card to go on a spending splurge
the room cost about  $500/12k spg 
Whats my best option?? Buy points from spg? Broker? Pay for the room? Transfer from membership rewards?
Maybe a broker or flip your CL a few times to get the points.
Title: Re: Random Credit Card Questions
Post by: Welder on March 10, 2015, 09:55:47 AM
Let him read up here http://forums.dansdeals.com/index.php?topic=266.0
Sums it up much better than what I was about to respond..

Thanks.
Title: Re: Random Credit Card Questions
Post by: rs242 on March 15, 2015, 12:58:18 AM
I have a delta gold from Amex wanted to transfer credit line to the everyday card but cs told I can't becouse delta is a different product I could only transfer to travel cards like SPG Hyatt . . . Does this sound right? Or should I huca?
Title: Re: Random Credit Card Questions
Post by: hvaces42 on March 15, 2015, 01:58:21 AM
I have a delta gold from Amex wanted to transfer credit line to the everyday card but cs told I can't becouse delta is a different product I could only transfer to travel cards like SPG Hyatt . . . Does this sound right? Or should I huca?
HUCA Only restrictions are new card less than 60 days old cannot get CL from another card and card transferring CL must be >13 months old
Title: Re: Random Credit Card Questions
Post by: moen on March 15, 2015, 06:07:29 AM
Is there any reason not to do AOR on Sunday since some recons aren't open?
Title: Re: Random Credit Card Questions
Post by: D93 on March 15, 2015, 06:14:14 AM
Is there any reason not to do AOR on Sunday since some recons aren't open?
That's a huge reason not to.
Title: Re: Random Credit Card Questions
Post by: IsraelGuy on March 15, 2015, 06:41:05 AM
That's a huge reason not to.

What the advantage of doing recon same day (as opposed to next day, etc)?
Title: Re: Random Credit Card Questions
Post by: Red on March 15, 2015, 06:43:12 AM
What the advantage of doing recon same day (as opposed to next day, etc)?
Sometimes they may want to do another pull, or if no pull done then they will want to. This way they will be merged into one.
Title: Re: Random Credit Card Questions
Post by: rs242 on March 15, 2015, 09:16:22 PM

HUCA Only restrictions are new card less than 60 days old cannot get CL from another card and card transferring CL must be >13 months old
i don't understand I want to open a new card with the credit line so new card without the pull? What am I missing
Title: Re: Random Credit Card Questions
Post by: noturbizniss on March 15, 2015, 10:16:53 PM
i don't understand I want to open a new card with the credit line so new card without the pull? What am I missing
New card will be a pull, but if your ate trying to shift credit because they told you you have too much credit, the restrictions on shifting are as hvaces42 said. No other restrictions
Title: Re: Random Credit Card Questions
Post by: benjie1305 on April 17, 2015, 10:07:32 AM
Too many Amex threads out there. Would ppl agree that using a RSVP for a targeted PERSONAL card is close to impossible as it has the persons name on it? Or are there easy ways around that?
Title: Re: Random Credit Card Questions
Post by: @Yehuda on April 17, 2015, 10:16:55 AM
Too many Amex threads out there. Would ppl agree that using a RSVP for a targeted PERSONAL card is close to impossible as it has the persons name on it? Or are there easy ways around that?
On the phone - definitely doable.
Title: Re: Random Credit Card Questions
Post by: Hellokitty64 on April 17, 2015, 12:52:30 PM
On the phone - definitely doable.
Do you think you could the same for a cardmatch.com personal offer?
Title: Re: Random Credit Card Questions
Post by: Marco Polo on April 18, 2015, 09:24:02 PM
Do you think you could the same for a cardmatch.com personal offer?
If they can't look it up in their system, probably not.
Title: Re: Random Credit Card Questions
Post by: D93 on April 18, 2015, 09:49:47 PM
Too many Amex threads out there. Would ppl agree that using a RSVP for a targeted PERSONAL card is close to impossible as it has the persons name on it?
No
Quote
Or are there easy ways around that?
Yes
Title: Re: Random Credit Card Questions
Post by: chucksterace on April 20, 2015, 03:05:18 PM
If I have a Amex Business Plat offer without 12 month language can I get the bonus if I have one open or do I need to close the other one first? Different EIN numbers.
Title: Re: Random Credit Card Questions
Post by: Dr Moose on April 20, 2015, 03:14:11 PM
If I have a Amex Business Plat offer without 12 month language can I get the bonus if I have one open or do I need to close the other one first? Different EIN numbers.
IINM if different EIN, even if there's the 12 month language, you can still get the bonus
Title: Re: Random Credit Card Questions
Post by: Shauly101 on April 21, 2015, 12:59:10 PM
How to i transfer/merge my Chase Freedom UR with my INK?
Title: Re: Random Credit Card Questions
Post by: Einstein on April 21, 2015, 01:01:12 PM
If I bought a computer on a business gold can I close the card and still be eligible for the year warranty?
Title: Re: Random Credit Card Questions
Post by: D93 on April 21, 2015, 01:01:36 PM
How to i transfer/merge my Chase Freedom UR with my INK?
Go to your UR homepage, on top right - hover over the point balance, then press "combine points".
Title: Re: Random Credit Card Questions
Post by: CS91 on April 21, 2015, 01:03:37 PM
How to i transfer/merge my Chase Freedom UR with my INK?

Log on to the UR website, and on the top right-hand corner click where it says your point total. There will be a drop down and one of the choices will say "combine points."
Title: Re: Random Credit Card Questions
Post by: raphy781 on April 21, 2015, 01:09:27 PM
If I bought a computer on a business gold can I close the card and still be eligible for the year warranty?
Supposedly you're still eligible as long as you have another active card although people have reported issues recently.
Title: Re: Random Credit Card Questions
Post by: Einstein on April 21, 2015, 01:15:14 PM
Supposedly you're still eligible as long as you have another active card although people have reported issues recently.
ok thank you
Title: Re: Random Credit Card Questions
Post by: Shauly101 on April 21, 2015, 01:23:38 PM
thank you
Title: Re: Random Credit Card Questions
Post by: Iz on April 21, 2015, 05:33:10 PM
I received an offer from Citi for their Diamond Preferred card. Is it worth getting? It didn't seem so to me. Just wondering if I'm missing something?
Thanks.
Title: Re: Random Credit Card Questions
Post by: noturbizniss on April 21, 2015, 09:24:45 PM
Terms say it terminates on, among other things, the date you are no longer a cardmember. That seems to mean any card, but as always, ymmv
Title: Re: Random Credit Card Questions
Post by: Emkay on April 22, 2015, 01:37:09 AM
If I bought a computer on a business gold can I close the card and still be eligible for the year warranty?
Just call and ask to avid any misunderstandings
Title: Re: Random Credit Card Questions
Post by: rileywiles23 on April 23, 2015, 03:54:08 PM
I'm trying to shift credit from one of my Amex credit cards to another. I already have the cards -not recon. Amex is not letting me do it. They are not telling me why. Are there any specific reasons why that's so ?
Title: Re: Random Credit Card Questions
Post by: Marco Polo on April 23, 2015, 03:55:42 PM
I'm trying to shift credit from one of my Amex credit cards to another. I already have the cards -not recon. Amex is not letting me do it. They are not telling me why. Are there any specific reasons why that's so ?
HUCA.

They may give you some line about having the card for 13 months first.
Title: Re: Random Credit Card Questions
Post by: rileywiles23 on April 23, 2015, 04:14:49 PM

HUCA.

They may give you some line about having the card for 13 months first.
Even though they are claiming the system is not letting them do it ?
Title: Re: Random Credit Card Questions
Post by: benjie1305 on April 23, 2015, 04:20:54 PM
Even though they are claiming the system is not letting them do it ?

Oh how many times has the "system" said that something can't be done and miraculously the next person was able to do it. HUCA. 
Title: Re: Random Credit Card Questions
Post by: CS91 on April 23, 2015, 04:30:28 PM
Oh how many times has the "system" said that something can't be done and miraculously the next person was able to do it. HUCA.

Exactly. I stopped ever believing someone when they say that the system won't let. They're all able to override.
Title: Re: Random Credit Card Questions
Post by: noturbizniss on April 23, 2015, 05:58:30 PM
Any way to transfer negative balances between cards on Barclay's like Amex allows?
Title: Re: Random Credit Card Questions
Post by: Tom Brady on April 23, 2015, 06:57:55 PM
Any way to transfer negative balances between cards on Barclay's like Amex allows?
Depends on what types of cards you want to do. The rep wasn't able to transfer a negative balance from my Arrival to my Arrival+ because the Arrival+ is a World Elite MC while the Arrival isn't.
Title: Re: Random Credit Card Questions
Post by: rileywiles23 on April 23, 2015, 07:33:46 PM

I'm trying to shift credit from one of my Amex credit cards to another. I already have the cards -not recon. Amex is not letting me do it. They are not telling me why. Are there any specific reasons why that's so ?
HUCA.

They may give you some line about having the card for 13 months first.
HUCA worked. Thank you.
Title: Re: Random Credit Card Questions
Post by: yitzy93 on April 24, 2015, 09:56:17 AM
Do refunded transactions count towards thresholds of cc sign-up bonuses?
Title: Re: Random Credit Card Questions
Post by: D93 on April 24, 2015, 10:01:21 AM
Do refunded transactions count towards thresholds of cc sign-up bonuses?
Depends on the card.
Title: Re: Random Credit Card Questions
Post by: Aj3042 on April 24, 2015, 10:05:07 AM
Depends on the card.
Really? You mean even though it's refunded before you complete the spend (as opposed to RT style spend)?
Also, does this apply to disputes also?
Title: Re: Random Credit Card Questions
Post by: Marco Polo on April 24, 2015, 10:05:53 AM
While it may depend on the card, i would advise to make sure you spend over the refunded amount to be safe.
Title: Re: Random Credit Card Questions
Post by: D93 on April 24, 2015, 10:19:49 AM
Really? You mean even though it's refunded before you complete the spend (as opposed to RT style spend)?
Yes.
Title: Re: Random Credit Card Questions
Post by: yitzy93 on April 25, 2015, 06:02:57 PM
While it may depend on the card, i would advise to make sure you spend over the refunded amount to be safe.

I'm unable to. That's why I'm asking.
Depends on the card.

CSP?
Title: Re: Random Credit Card Questions
Post by: rileywiles23 on April 25, 2015, 10:31:22 PM

I'm unable to. That's why I'm asking.
I'm not sure why your unable too. Just wait and report back what happens. There isn't anything you can do either way.
Title: Re: Random Credit Card Questions
Post by: DP7 on April 28, 2015, 08:44:34 PM
I closed an Amex business card and the AU about a week ago:

1. Any chance I can get the card reinstated?

2. Will it get reinstated with the Amex offers that were saved to it?
Title: Re: Random Credit Card Questions
Post by: D93 on April 29, 2015, 12:53:30 AM
I closed an Amex business card and the AU about a week ago:

1. Any chance I can get the card reinstated?
1. Yes
Title: Re: Random Credit Card Questions
Post by: mawmaw on April 29, 2015, 01:26:50 AM
1. Yes
within 30 days AFAIK
Title: Re: Random Credit Card Questions
Post by: DP7 on April 29, 2015, 05:37:47 AM

1. Yes

Without a pull?
Title: Re: Random Credit Card Questions
Post by: D93 on April 29, 2015, 06:40:37 AM
Without a pull?
Correct
Title: Re: Random Credit Card Questions
Post by: tjak on April 29, 2015, 06:58:24 AM

I closed an Amex business card and the AU about a week ago:

1. Any chance I can get the card reinstated?

2. Will it get reinstated with the Amex offers that were saved to it?
1. Yes
Is it the same with the personal?
Title: Re: Random Credit Card Questions
Post by: D93 on April 29, 2015, 07:07:51 AM
Is it the same with the personal?
Yes
Title: Re: Random Credit Card Questions
Post by: tjak on April 29, 2015, 07:09:19 AM

Yes
Are they easy about it or might have to try a few times?
Title: Re: Random Credit Card Questions
Post by: Marco Polo on April 29, 2015, 07:17:25 AM
Are they easy about it or might have to try a few times?
Shouldn't be too hard.
Title: Re: Random Credit Card Questions
Post by: IsraelGuy on May 05, 2015, 12:11:58 PM
If I need to complete spending on a card and don't have access to the states/redbird right now, what's the best / cheapest method? PayPal to wife funded with cc and vice versa with 3% fee?
Title: Re: Random Credit Card Questions
Post by: dealfinder85 on May 05, 2015, 12:14:03 PM
If I need to complete spending on a card and don't have access to the states/redbird right now, what's the best / cheapest method? PayPal to wife funded with cc and vice versa with 3% fee?
mayser
Title: Re: Random Credit Card Questions
Post by: IsraelGuy on May 05, 2015, 12:14:52 PM

mayser

Won't help but thanks. Any other thoughts?
Title: Re: Random Credit Card Questions
Post by: tjak on May 06, 2015, 02:41:52 PM
I tried reinstating an amex card and got denied. Can I try to get them to reconsider, or it doesn't work like that with reinstating?
Title: Re: Random Credit Card Questions
Post by: ckmk47 on May 06, 2015, 09:03:08 PM
If I need to complete spending on a card and don't have access to the states/redbird right now, what's the best / cheapest method? PayPal to wife funded with cc and vice versa with 3% fee?
AU in the states.
But 3% is better than not getting the bonus.
Title: Re: Random Credit Card Questions
Post by: IsraelGuy on May 07, 2015, 01:02:05 AM

AU in the states.
But 3% is better than not getting the bonus.

Right, that's what I'm asking. I'm ok paying the 3% to finish spending for the bonus, just wondering the easiest way.

So PayPal? Is there a risk of getting shut down?
Title: Re: Random Credit Card Questions
Post by: Emkay on May 07, 2015, 02:34:28 AM
Right, that's what I'm asking. I'm ok paying the 3% to finish spending for the bonus, just wondering the easiest way.

So PayPal? Is there a risk of getting shut down?
risk from PP or cc company?
people claim PP is trigger happy but just to complete spending on a single card is absolulty no problem
Title: Re: Random Credit Card Questions
Post by: IsraelGuy on May 07, 2015, 02:41:33 AM

risk from PP or cc company?
people claim PP is trigger happy but just to complete spending on a single card is absolulty no problem

Sounds good. I have two cards I want to compete spending on- I'll probably do:
Me to wife on card A: 3k
Wife to me on card B: 500

I'm guessing that shouldn't trigger PP or Cc if it's just once each, or will cc be suspicious for such a large pp amount...
Title: Re: Random Credit Card Questions
Post by: ckmk47 on May 07, 2015, 04:38:41 AM
Sounds good. I have two cards I want to compete spending on- I'll probably do:
Me to wife on card A: 3k
Wife to me on card B: 500

I'm guessing that shouldn't trigger PP or Cc if it's just once each, or will cc be suspicious for such a large pp amount...
I wouldn't do the return payment.  Not too soon after the 1st payment.
For only $500, you can get a GC at a supermarket to finish the minimum spending on time.  Then use the GC on regular spending.
Title: Re: Random Credit Card Questions
Post by: yitrap on May 07, 2015, 05:16:46 AM
I wouldn't do the return payment.  Not too soon after the 1st payment.
For only $500, you can get a GC at a supermarket to finish the minimum spending on time.  Then use the GC on regular spending.
If I need to complete spending on a card and don't have access to the states/redbird right now, what's the best / cheapest method? PayPal to wife funded with cc and vice versa with 3% fee?
If you can add someone in the states to buy a card or to spend the 500
Title: Re: Random Credit Card Questions
Post by: ckmk47 on May 07, 2015, 03:57:20 PM
IsraelGuy: You're better off sending the $500 to someone else and have them paypal it back after some time has passed or send it in an envelope.
Sending back and forth might get paypal nervous.
Title: Re: Random Credit Card Questions
Post by: Hellokitty64 on May 07, 2015, 04:36:08 PM
I just MBMed Biz cards with chase. Do you think that asking for CLI for current open personal cards would get wrapped up in that MBM?
Title: Re: Random Credit Card Questions
Post by: hvaces42 on May 14, 2015, 06:30:25 PM
I applied for the Amex Biz Plat on 4/27 with one of the non-CS offers. Called in and they took application over the phone. Later that day I applied for SPG Biz as well. Both were NOT instantly approved. Because I had 4 Amex CC's they wouldnt process my SPG Biz app until i closed one of my other CCs. Did that the next day and called back.

I have 2 issues:
1. They generated seperate pulls, one on 4/27 and one on 4/28. Amex refuses to merge the 2 pulls (and i cant say they are wrong).
2. The SPG is still showing "In progress". The Plat was approved. I called re:status and one rep said still processing give us a few days, the next said declined, the recon rep said give them a few more days. Where do I go from here? HUCA or let it just sit out there. My fear is that they will create yet a third pull if i call now.   
Title: Re: Random Credit Card Questions
Post by: D93 on May 14, 2015, 06:32:48 PM
1. They generated seperate pulls, one on 4/27 and one on 4/28. Amex refuses to merge the 2 pulls (and i cant say they are wrong).
Call EX and have them remove one of the pulls.
Title: Re: Random Credit Card Questions
Post by: hvaces42 on May 14, 2015, 06:35:15 PM
Call EX and have them remove one of the pulls.
Dont want to do anything until that card is approved or denied. Any suggestions on that?
Title: Re: Random Credit Card Questions
Post by: Einstein on May 14, 2015, 06:55:24 PM
Dont want to do anything until that card is approved or denied. Any suggestions on that?
call and see if you were approved... if you call EX they can merge all amex pulls from that month into one
Title: Re: Random Credit Card Questions
Post by: yitrap on May 14, 2015, 08:20:47 PM
call and see if you were approved... if you call EX they can merge all amex pulls from that month into one
source?
Title: Re: Random Credit Card Questions
Post by: Tom Brady on May 14, 2015, 08:58:30 PM
call and see if you were approved... if you call EX they can merge all amex pulls from that month into one
+4 personal experience. I don't have experience with a full month apart, but I had 4 duplicate pulls removed and some were a week or two apart.
Title: Re: Random Credit Card Questions
Post by: cashcow on May 14, 2015, 10:12:47 PM
+4 personal experience. I don't have experience with a full month apart, but I had 4 duplicate pulls removed and some were a week or two apart.
How quickly does this have to be done? Will they merge pulls that happened months ago?
Title: Re: Random Credit Card Questions
Post by: hvaces42 on May 14, 2015, 10:14:30 PM
How quickly does this have to be done? Will they merge pulls that happened months ago?
I'd love to know the answer to that question too.
Title: Re: Random Credit Card Questions
Post by: Tom Brady on May 14, 2015, 10:49:37 PM
How quickly does this have to be done? Will they merge pulls that happened months ago?
I'd love to know the answer to that question too.
The answer for both of you is yes.
Title: Re: Random Credit Card Questions
Post by: Hellokitty64 on May 14, 2015, 11:41:30 PM
The answer for both of you is yes.
+1
Title: Re: Random Credit Card Questions
Post by: hvaces42 on May 15, 2015, 02:19:49 PM
Wow!!! You guys are truly great. I called Ex and they deleted 5 hard pulls that Amex did in the last year that were duplicates or should have been 2/3BM. Wonder what that does to my score now.
Title: Re: Random Credit Card Questions
Post by: Einstein on May 17, 2015, 01:21:12 AM
Wow!!! You guys are truly great. I called Ex and they deleted 5 hard pulls that Amex did in the last year that were duplicates or should have been 2/3BM. Wonder what that does to my score now.
sorry it took me so long to respond, but happy we can help...there is a lot to learn ;)
Title: Re: Random Credit Card Questions
Post by: hvaces42 on May 17, 2015, 01:23:33 AM
sorry it took me so long to respond, but happy we can help...there is a lot to learn ;)
9 point boost.
Title: Re: Random Credit Card Questions
Post by: Einstein on May 17, 2015, 01:24:30 AM
9 point boost.
they dont call me Einstein for nothing ;D
Title: Re: Random Credit Card Questions
Post by: rileywiles23 on May 17, 2015, 01:50:52 AM

Wow!!! You guys are truly great. I called Ex and they deleted 5 hard pulls that Amex did in the last year that were duplicates or should have been 2/3BM. Wonder what that does to my score now.
Did you have to explain to them, why you want them to remove the pulls, even though they were a few days apart , or did they just remove them - no questions asked.
Title: Re: Random Credit Card Questions
Post by: hvaces42 on May 17, 2015, 01:55:18 AM
Did you have to explain to them, why you want them to remove the pulls, even though they were a few days apart , or did they just remove them - no questions asked.
No questions. Very helpful.
Title: Re: Random Credit Card Questions
Post by: Tom Brady on May 17, 2015, 02:19:29 AM
No questions. Very helpful.
+1 Before I called, I hoped to maybe have one pull taken off per rep, and have to HUCA a few times. It turned out the first rep was so helpful, that I'm sure I could've had her take off 10 pulls had I had that many duplicates.
Title: Re: Random Credit Card Questions
Post by: keemster26 on May 17, 2015, 02:40:19 AM
+1 Before I called, I hoped to maybe have one pull taken off per rep, and have to HUCA a few times. It turned out the first rep was so helpful, that I'm sure I could've had her take off 10 pulls had I had that many duplicates.
What's their number?
Title: Re: Random Credit Card Questions
Post by: Emkay on May 17, 2015, 03:47:43 AM
+1 Before I called, I hoped to maybe have one pull taken off per rep, and have to HUCA a few times. It turned out the first rep was so helpful, that I'm sure I could've had her take off 10 pulls had I had that many duplicates.
Where were you viewing your credit report?
Title: Re: Random Credit Card Questions
Post by: Tom Brady on May 17, 2015, 05:54:44 AM
What's their number?
I called the regular Experian number. I probably got it from Google. The first reps you speak to might not be able to help you, and might not be knowledgeable in taking off duplicate pulls. When you explain your problem though, they should be able to connect you to the department that will be able to help you.
Title: Re: Random Credit Card Questions
Post by: Tom Brady on May 17, 2015, 05:55:05 AM
Where were you viewing your credit report?
Experian.
Title: Re: Misc Random Questions
Post by: etech0 on May 17, 2015, 09:25:21 PM
If I want to return an online order to kohls, do I need to bring a receipt? Or do they look it up by my CC?

TIA
Title: Re: Misc Random Questions
Post by: TimT on May 17, 2015, 09:37:01 PM
If I want to return an online order to kohls, do I need to bring a receipt? Or do they look it up by my CC?

TIA
IIRC (its been a while) they'll only refund it with a receipt. Otherwise you only get a store credit. Someone CMIIW
Title: Re: Misc Random Questions
Post by: etech0 on May 17, 2015, 09:44:38 PM
IIRC (its been a while) they'll only refund it with a receipt. Otherwise you only get a store credit. Someone CMIIW
thanks. that might not be SO bad, cuz i got 16% cb...
Title: Re: Misc Random Questions
Post by: avromie7 on May 17, 2015, 09:46:25 PM
thanks. that might not be SO bad, cuz i got 16% cb...
But of course we are not allowed to ask how
Title: Re: Misc Random Questions
Post by: etech0 on May 17, 2015, 09:50:19 PM
But of course we are not allowed to ask how
i had it delivered via UPS....
Title: Re: Misc Random Questions
Post by: avromie7 on May 17, 2015, 09:50:56 PM
i had it delivered via UPS....
Title: Re: Misc Random Questions
Post by: etech0 on May 17, 2015, 09:53:28 PM
okay next Q... will kohls let me buy a GC from a store credit?
Title: Re: Misc Random Questions
Post by: rileywiles23 on May 17, 2015, 09:54:04 PM

But of course we are not allowed to ask how
Your allowed to ask...
Title: Re: Misc Random Questions
Post by: avadah on May 21, 2015, 06:51:23 AM
Mods, please combine this with http://forums.dansdeals.com/index.php?topic=45380.msg0#new
Title: Re: Misc Random Questions
Post by: avadah on May 21, 2015, 07:04:37 AM
Thanks. I thought so But didn't see a link to it in my account.
Title: Re: Misc Random Questions
Post by: yitrap on May 21, 2015, 07:07:32 AM
Thanks. I thought so But didn't see a link to it in my account.
There's a different website to do it from.
Title: Re: Misc Random Questions
Post by: Lazegotit on May 21, 2015, 09:24:12 AM
After loading red card with cc is no longer possible, what do you guys recommend for easy manufactured spend to get cc bonus?
Title: Re: Misc Random Questions
Post by: sky121 on May 21, 2015, 09:34:00 AM
After loading red card with cc is no longer possible, what do you guys recommend for easy manufactured spend to get cc bonus?
Load red card with visa gift cards?
Title: Re: Misc Random Questions
Post by: Lazegotit on May 21, 2015, 09:36:25 AM
Load red card with visa gift cards?

Is that still allowed?
Title: Re: Misc Random Questions
Post by: yitrap on May 21, 2015, 09:42:28 AM
Is that still allowed?
Wouldn't be much of a recommendation if it wasn't
Title: Re: Misc Random Questions
Post by: TimT on May 21, 2015, 09:47:06 AM
Is that still allowed?
Read the RC thread
Title: Re: Misc Credit Card Questions
Post by: clear thinker on May 22, 2015, 06:58:15 PM
What happens if I go over my credit limit with Barclay?
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on May 22, 2015, 07:41:53 PM

What happens if I go over my credit limit with Barclay?

https://www.experian.com/ask-experian/20081015-the-impact-on-credit-scores-when-you-exceed-your-credit-limit.html

https://www.barclaycardus.com/app/japply/lp/TnCs.jsp?prodidreq=CCVPS23548

Did this from my phone. Seems to also possibly depend on the specific Barclays card you have.
Title: Re: Misc Credit Card Questions
Post by: clear thinker on May 25, 2015, 10:19:07 PM
https://www.experian.com/ask-experian/20081015-the-impact-on-credit-scores-when-you-exceed-your-credit-limit.html

https://www.barclaycardus.com/app/japply/lp/TnCs.jsp?prodidreq=CCVPS23548

Did this from my phone. Seems to also possibly depend on the specific Barclays card you have.
Tnx.
Title: Re: Misc Credit Card Questions
Post by: Cowboysuk on May 28, 2015, 03:32:49 AM
Does any other cc besides csp give bonus points for ezpass?
Title: Re: Misc Credit Card Questions
Post by: doovid d on May 28, 2015, 05:39:18 AM
Does anyone know how I can improve my credit score if I only have one credit card with a $300 limit and whenever I check on a banks site to see if I'm pretty approved it doesn't show me that I am (paying my balance every month on time and got first cc 4months ago)
Title: Re: Misc Credit Card Questions
Post by: Emkay on May 28, 2015, 06:35:33 AM
Does anyone know how I can improve my credit score if I only have one credit card with a $300 limit and whenever I check on a banks site to see if I'm pretty approved it doesn't show me that I am (paying my balance every month on time and got first cc 4months ago)
you can start by reading this (http://www.dansdeals.com/archives/53213)
Title: Re: Misc Credit Card Questions
Post by: avromie7 on May 28, 2015, 07:28:06 AM
Does anyone know how I can improve my credit score if I only have one credit card with a $300 limit and whenever I check on a banks site to see if I'm pretty approved it doesn't show me that I am (paying my balance every month on time and got first cc 4months ago)
Try to have it close with a balance of a few dollars (not more and not less) for another few months and then you can move on to getting more cards
Title: Re: Misc Credit Card Questions
Post by: TimT on May 28, 2015, 07:51:56 AM
Does anyone know how I can improve my credit score if I only have one credit card with a $300 limit and whenever I check on a banks site to see if I'm pretty approved it doesn't show me that I am (paying my balance every month on time and got first cc 4months ago)
Which card do you have & where is the score up to ?
Title: Re: Misc Credit Card Questions
Post by: clear thinker on May 28, 2015, 01:20:47 PM
Does anyone know how I can improve my credit score if I only have one credit card with a $300 limit and whenever I check on a banks site to see if I'm pretty approved it doesn't show me that I am (paying my balance every month on time and got first cc 4months ago)
Pay off every month on time use less then 30% of your credit line and in another 2 months u can apply for a new card.
Title: Re: Misc Credit Card Questions
Post by: avadah on May 28, 2015, 06:21:19 PM
Any links for the amex aadvantage card?
Title: Re: Misc Credit Card Questions
Post by: TimT on May 28, 2015, 06:39:08 PM
Any links for the amex aadvantage card?
Isn't it from citi ?
Title: Re: Misc Credit Card Questions
Post by: Dr Moose on May 28, 2015, 07:11:19 PM
Isn't it from citi ?
maybe that's why he can't find any links
Title: Re: Misc Credit Card Questions
Post by: TimT on May 28, 2015, 07:18:04 PM
maybe that's why he can't find any links
good point
Title: Re: Misc Credit Card Questions
Post by: Cowboysuk on May 29, 2015, 12:58:00 AM
Does any other cc besides csp give bonus points for ezpass?
bump
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on May 29, 2015, 02:23:13 AM
I just realized that I received mr for returning an item on amex. Is that always the case?
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on May 29, 2015, 02:24:14 AM
I just realized that I received mr for returning an item on amex. Is that always the case?
In this case would it count towards threshold?
Title: Re: Misc Credit Card Questions
Post by: TimT on May 29, 2015, 02:55:08 AM
In this case would it count towards threshold?
While it might, why take the risk ?
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on May 29, 2015, 03:33:07 PM
While it might, why take the risk ?
Since I'm that much closer to reaching threshold. My main question though is if returns also get points.
Title: Re: Misc Credit Card Questions
Post by: TimT on May 29, 2015, 04:36:59 PM
Since I'm that much closer to reaching threshold. My main question though is if returns also get points.
IME it worked for thresholds. But don't go crazy with it
Title: Re: Misc Credit Card Questions
Post by: rs242 on May 29, 2015, 05:09:36 PM
How does work if I buy something pay the bill get the points then get a refund? Do they take the points? Is it YMMV? Does it differ by card? What about ink? Thanks if I'm asking in the wrong place TimT please show me the way
Title: Re: Misc Credit Card Questions
Post by: TimT on May 29, 2015, 05:31:11 PM
How does work if I buy something pay the bill get the points then get a refund? Do they take the points? Is it YMMV? Does it differ by card? What about ink? Thanks if I'm asking in the wrong place TimT please show me the way
Different banks work differently but doing too much of that is asking for trouble.
Title: Re: Misc Credit Card Questions
Post by: foseph on May 29, 2015, 05:37:56 PM
hey so the title implies this might be where the q should go...
Looking for advice on next CCs to open. Not into doing a lot of churn for 8-9 cc  back to back to rack up bonuses. I currently have an ink and a united card. Looking for 1-2 cards that have bonus cats in the following: groceries, restaurants, and cabs/uber. for hotel i know im getting 2x from ink already.

I know dan's been pushing the amex everyday reg/preferred card for some of those cats. Anyone have any suggestions? Would a hotel card by good or Amex or Sapphire or something? tx
Title: Re: Misc Credit Card Questions
Post by: TimT on May 29, 2015, 06:05:10 PM
hey so the title implies this might be where the q should go...
Looking for advice on next CCs to open. Not into doing a lot of churn for 8-9 cc  back to back to rack up bonuses. I currently have an ink and a united card. Looking for 1-2 cards that have bonus cats in the following: groceries, restaurants, and cabs/uber. for hotel i know im getting 2x from ink already.

I know dan's been pushing the amex everyday reg/preferred card for some of those cats. Anyone have any suggestions? Would a hotel card by good or Amex or Sapphire or something? tx
This (http://www.dansdeals.com/archives/59420) post breaks it down which card is best for each category.
(Just curious why you only want 1-2 cards. Is it all the spend required or mortgage coming up ?)
Title: Re: Misc Credit Card Questions
Post by: foseph on May 31, 2015, 10:07:32 AM
This (http://www.dansdeals.com/archives/59420) post breaks it down which card is best for each category.
(Just curious why you only want 1-2 cards. Is it all the spend required or mortgage coming up ?)
thanks ill reread that one. read it when it came up and forgot about it.
mix of fees and worried about being able to get retention bonuses and yea mortgage sooner or later. always trying to keep a high score
Title: Re: Misc Credit Card Questions
Post by: TimT on May 31, 2015, 10:10:59 AM
thanks ill reread that one. read it when it came up and forgot about it.
mix of fees and worried about being able to get retention bonuses and yea mortgage sooner or later. always trying to keep a high score
Even with many cards you could still have a great score. But if you have a mortgage coming up you should take it easy with new cards.
Title: Re: Misc Credit Card Questions
Post by: foseph on May 31, 2015, 10:12:15 AM
Even with many cards you could still have a great score. But if you have a mortgage coming up you should take it easy with new cards.
yea i realize that. its more the fees than anything. (yea i know the benefits pay for it)

not for about a yr
Title: Re: Misc Credit Card Questions
Post by: clear thinker on May 31, 2015, 10:21:13 AM
How does work if I buy something pay the bill get the points then get a refund? Do they take the points? Is it YMMV? Does it differ by card? What about ink? Thanks if I'm asking in the wrong place TimT please show me the way
I never saw a bank that let's you keep the points after doing a refund, unless your talking about bonus points.
Title: Re: Misc Credit Card Questions
Post by: TimT on May 31, 2015, 10:23:19 AM
yea i realize that. its more the fees than anything. (yea i know the benefits pay for it)

not for about a yr
Mortgage in a year ? Then go easy
Title: Re: Misc Credit Card Questions
Post by: foseph on May 31, 2015, 10:24:24 AM
Mortgage in a year ? Then go easy
yup true. did ink in oct2014 and will probably do 1-2 this week.
Title: Re: Misc Credit Card Questions
Post by: doovid d on May 31, 2015, 11:19:52 AM
When requesting a reconsideration does it make a hard pull or ruin my score and when is it best to call for recon thanx.
Title: Re: Misc Credit Card Questions
Post by: TimT on May 31, 2015, 11:27:58 AM
When requesting a reconsideration does it make a hard pull or ruin my score and when is it best to call for recon thanx.
With chase they say its best early morning or late night. Shouldn't be a hard pull but just double check with them.
Title: Re: Misc Credit Card Questions
Post by: avromie7 on May 31, 2015, 11:28:59 AM
When requesting a reconsideration does it make a hard pull or ruin my score and when is it best to call for recon thanx.
No, unless they tell you otherwise
Title: Re: Misc Credit Card Questions
Post by: IsraelGuy on May 31, 2015, 04:33:28 PM
Does Amex still allow points advance when transferring MRs? I remember this from a long time ago, but couldn't find current info on it....
Title: Re: Misc Credit Card Questions
Post by: foseph on May 31, 2015, 06:10:27 PM
Mortgage in a year ? Then go easy
Got the amex everyday pref and will do chase freedom later this week. The uber and groceries is gonna rack up pts quick
Title: Re: Misc Credit Card Questions
Post by: Ally25 on May 31, 2015, 11:02:30 PM
can anyone help me out my accounts were closed down by chase about a year ago for no apparent reason other than that i was using amazon payments till today they will not approve me for any credit cards i recently opened a bank account and they shut that down too anyone have any experience with this please advise
Title: Re: Misc Credit Card Questions
Post by: yitrap on June 01, 2015, 01:32:17 AM

can anyone help me out my accounts were closed down by chase about a year ago for no apparent reason other than that i was using amazon payments till today they will not approve me for any credit cards i recently opened a bank account and they shut that down too anyone have any experience with this please advise
Check out the chase A/A thread. You'll find a ton of stories there to help you.
Title: Re: Misc Credit Card Questions
Post by: maxie m on June 01, 2015, 01:50:17 PM
Seems like my search bar is screwed up, anyone have success getting amex to change  blue sky to another account type such as EDP, they won't budge with me
Title: Re: Misc Credit Card Questions
Post by: clear thinker on June 02, 2015, 05:53:58 PM
How can I know the exact date I "have" to pay my amex charge card?
Is it a coincidence that all the charge cards I have with them have the same closing and please pay by date?
Title: Re: Misc Credit Card Questions
Post by: TimT on June 02, 2015, 06:00:18 PM
How can I know the exact date I "have" to pay my amex charge card?
Is it a coincidence that all the charge cards I have with them have the same closing and please pay by date?
It has to be paid up when the next statement closes.
Title: Re: Misc Credit Card Questions
Post by: DMYD on June 02, 2015, 06:00:25 PM
How can I know the exact date I "have" to pay my amex charge card?
Is it a coincidence that all the charge cards I have with them have the same closing and please pay by date?
Chat or call, they will tell you.
Title: Re: Misc Credit Card Questions
Post by: deal_rider on June 03, 2015, 11:16:58 AM
Any good signup bonuses available now for the discover it card?
Title: Re: Misc Credit Card Questions
Post by: tjak on June 03, 2015, 11:20:04 AM

Any good signup bonuses available now for the discover it card?
I think the best current one is $50 plus the double cash back.
Title: Re: Misc Credit Card Questions
Post by: deal_rider on June 03, 2015, 11:50:39 AM
I think the best current one is $50 plus the double cash back.

Thanks
Title: Re: Misc Credit Card Questions
Post by: etech0 on June 03, 2015, 11:54:44 AM
I read somewhere that you can get a $100 amazon gift card.
Title: Re: Misc Credit Card Questions
Post by: deal_rider on June 03, 2015, 11:59:27 AM
I read somewhere that you can get a $100 amazon gift card.

let me try to find that
Title: Re: Misc Credit Card Questions
Post by: tjak on June 03, 2015, 12:00:18 PM

I read somewhere that you can get a $100 amazon gift card.
Pretty sure that went down to $50 with this new double cashback offer.
Title: Re: Misc Credit Card Questions
Post by: etech0 on June 03, 2015, 12:04:18 PM
Pretty sure that went down to $50 with this new double cashback offer.
Oh well
Title: Re: Misc Credit Card Questions
Post by: SrulyP on June 04, 2015, 10:50:56 AM
I am trying to confirm something...

I see that there is this in the T&C for new hyatt card "The terms indicate that this bonus offer is available to you as long as you have not received a new cardmember bonus for the Hyatt Credit Card in the past 24 months."

I was always under the impression that you cannot have the card active within 24 months, but someone pointed out to me that it says you couldnt have received the bonus. Which is it and does it depend on the card or was I always just misinformed?
Title: Re: Misc Credit Card Questions
Post by: yitrap on June 04, 2015, 11:00:34 AM
I am trying to confirm something...

I see that there is this in the T&C for new hyatt card "The terms indicate that this bonus offer is available to you as long as you have not received a new cardmember bonus for the Hyatt Credit Card in the past 24 months."

I was always under the impression that you cannot have the card active within 24 months, but someone pointed out to me that it says you couldnt have received the bonus. Which is it and does it depend on the card or was I always just misinformed?
Chase cards have always stated 24 months from bonus
Title: Re: Misc Credit Card Questions
Post by: SrulyP on June 04, 2015, 11:03:34 AM
but amex and city cards are different?

And just to clarify that means that I can reapply right after cancelling a card that I had for two years and ge tthe bonus?
Title: Re: Misc Credit Card Questions
Post by: SrulyP on June 04, 2015, 11:04:21 AM
Also what is the easiest way of finding out when the last bonus I got was from each card? Can I just call up chase? in the beginning I was not so on top of my cards and as organized as  Iam now...
Title: Re: Misc Credit Card Questions
Post by: TimT on June 04, 2015, 11:15:49 AM
chase is 24 months since bonus even if you just closed it. Amex biz is 12 months after closing it.
Title: Re: Misc Credit Card Questions
Post by: yitrap on June 04, 2015, 11:43:34 AM
Also what is the easiest way of finding out when the last bonus I got was from each card? Can I just call up chase? in the beginning I was not so on top of my cards and as organized as  Iam now...
If you keep your emails you can probably search for it
Title: Re: Misc Credit Card Questions
Post by: doovid d on June 04, 2015, 02:15:42 PM
When calling reconsideration (chase/boa) they tell me that im not approved since I dont have a long enough credit history(only 4 months) should I huca or give it some time and any suggestions what to tell them? Thanx
Title: Re: Misc Credit Card Questions
Post by: Hellokitty64 on June 05, 2015, 12:18:49 AM
Pretty sure that went down to $50 with this new double cashback offer.
-1
Just saw it a couple of days ago. I think it might have been an ad on an eBay page
Title: Re: Misc Credit Card Questions
Post by: LoLo on June 05, 2015, 02:00:01 AM
-1
Just saw it a couple of days ago. I think it might have been an ad on an eBay page
Checked now on Amazon.com, $50.
Title: Re: Misc Credit Card Questions
Post by: ckmk47 on June 05, 2015, 03:53:12 AM
When calling reconsideration (chase/boa) they tell me that im not approved since I dont have a long enough credit history(only 4 months) should I huca or give it some time and any suggestions what to tell them? Thanx
Wait until you have 6 months of history. Then be polite, even cheerful, point out that you've been paying on time, and you're not asking for very much additional credit.
Title: Misc Credit Card Questions
Post by: tjak on June 05, 2015, 06:19:59 AM
-1
Just saw it a couple of days ago. I think it might have been an ad on an eBay page
That makes sense being that may 31 was only a couple of days ago.
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on June 05, 2015, 06:56:13 AM
When does the time to do spending thresholds start ? Does the 3-4 Month start from when you get approved, get the card, or when you activate the card ?
Title: Re: Misc Credit Card Questions
Post by: TimT on June 05, 2015, 07:00:14 AM
When does the time to do spending thresholds start ? Does the 3-4 Month start from when you get approved, get the card, or when you activate the card ?
approval
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on June 05, 2015, 07:53:55 AM

approval
And then you have exactly 3 months, or until closing date of last month ?
Title: Re: Misc Credit Card Questions
Post by: TimT on June 05, 2015, 07:55:48 AM
And then you have exactly 3 months, or until closing date of last month ?
Depending on bank it could be anywhere from 90 to 100+ days IIRC.
Title: Re: Misc Credit Card Questions
Post by: clear thinker on June 05, 2015, 08:39:16 AM
Depending on bank it could be anywhere from 90 to 100+ days IIRC.
Chase iirc 102 days according to Dan
Title: Re: Misc Credit Card Questions
Post by: TimT on June 05, 2015, 08:40:38 AM
Chase iirc 102 days according to Dan
That must be the one. All the others are 90 ?
Title: Re: Misc Credit Card Questions
Post by: clear thinker on June 05, 2015, 08:42:59 AM
That must be the one. All the others are 90 ?
I have no data on the others.
But I believe Putpac they'll tell you the exact date.
Unless if it's Barclays
Title: Re: Misc Credit Card Questions
Post by: zlt123 on June 05, 2015, 09:13:34 AM
I think its 93 days by Chase, but i called them up once complaining that i got my BA card 2-3 weeks after approvel, so they extanded the deadline with 3 weeks YMMV
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on June 05, 2015, 10:13:41 AM

Depending on bank it could be anywhere from 90 to 100+ days IIRC.
Amex ?
Title: Re: Misc Credit Card Questions
Post by: TimT on June 05, 2015, 10:25:53 AM
Amex ?
A rep I just spoke to said 92 days (3 months)
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on June 05, 2015, 10:46:55 AM

A rep I just spoke to said 92 days (3 months)
Good info. Thank you TimT
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on June 13, 2015, 11:02:32 PM
I have a vanilla gift card. When I go online, the balance states $500. Every Time  I try swiping the card at a register, I get a card read error. Now, if there is a balance of $500 then I'm assuming nothing went wrong when I bought the card. Anybody have an idea of what the problem may be ?
Title: Re: Misc Credit Card Questions
Post by: TimT on June 13, 2015, 11:06:59 PM
I have a vanilla gift card. When I go online, the balance states $500. Every Time  I try swiping the card at a register, I get a card read error. Now, if there is a balance of $500 then I'm assuming nothing went wrong when I bought the card. Anybody have an idea of what the problem may be ?
Is there any damage on the magnetic stripe ?
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on June 13, 2015, 11:48:04 PM

Is there any damage on the magnetic stripe ?
Doesn't seem like it. I guess I'll try an online purchase to see if that would go through. If not, will they send me a replacement card ?
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on June 18, 2015, 12:20:08 PM

Doesn't seem like it. I guess I'll try an online purchase to see if that would go through. If not, will they send me a replacement card ?
ETA: I got a new card.
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on June 18, 2015, 12:21:36 PM
When a bank lets you fund an account with a cc, is it one transaction of funding, or can you split the amount over a few cards ?
Title: Re: Misc Credit Card Questions
Post by: shoobi on June 18, 2015, 12:46:38 PM
When a bank lets you fund an account with a cc, is it one transaction of funding, or can you split the amount over a few cards ?

I'm wondering the same thing, gotta minimum spend on a lot of cards now...
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on June 18, 2015, 01:03:02 PM
A rep I just spoke to said 92 days (3 months)
Is it 92 days from app date, approval date, or the card arriving in the mail?
Title: Re: Misc Credit Card Questions
Post by: TimT on June 18, 2015, 01:12:09 PM
IINM its from approval. someone CMIIW. certainly not when it arrives in the mail.
Title: Re: Misc Credit Card Questions
Post by: a mirrer on June 18, 2015, 01:14:10 PM
Is it 92 days from app date, approval date, or the card arriving in the mail?
iirc approval date
Title: Re: Misc Credit Card Questions
Post by: deal_rider on June 19, 2015, 12:50:59 PM
is there a non-business card that offers 5% back at staples?
Title: Re: Misc Credit Card Questions
Post by: TimT on June 19, 2015, 12:57:09 PM
is there a non-business card that offers 5% back at staples?
Don't think so. Maybe if freedom ever offers it for a quarterly bonus.
Title: Re: Misc Credit Card Questions
Post by: Chapshnell on June 19, 2015, 02:14:38 PM
is there a non-business card that offers 5% back at staples?

not a card but some portals do at times..
Title: Re: Misc Credit Card Questions
Post by: deal_rider on June 19, 2015, 02:22:20 PM
Don't think so. Maybe if freedom ever offers it for a quarterly bonus.
not a card but some portals do at times..

Thanks. I think discover deals has it ongoing... but no go for in-store
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on June 23, 2015, 04:05:05 PM
Is it a problem to deposit a check into my bank account, if the check has an address diff. Then what's on my bank account ?
Title: Re: Misc Credit Card Questions
Post by: shmooz on June 23, 2015, 05:47:49 PM
Citi closed an old credit card of mine due to non use. Since its old it could affect my credit score age of accounts. I can ask them to reopen, but I also plan on applying for a card about now.

Better to ask them to reopen before or after applying?
Title: Re: Misc Credit Card Questions
Post by: mord1 on June 29, 2015, 02:41:01 PM
Which credit cards allow you to fund a new citi bank account with no cash advance fees?
Title: Re: Misc Credit Card Questions
Post by: shoobi on June 29, 2015, 02:42:57 PM
google it... Doctor of Credit has a great write up
Title: Re: Misc Credit Card Questions
Post by: etech0 on June 29, 2015, 03:16:12 PM
http://www.doctorofcredit.com/does-funding-a-bank-account-with-a-credit-card-count-as-a-purchase-or-cash-advance/
Title: Re: Misc Credit Card Questions
Post by: mord1 on June 29, 2015, 05:33:03 PM
http://www.doctorofcredit.com/does-funding-a-bank-account-with-a-credit-card-count-as-a-purchase-or-cash-advance/
ya, I saw that, just wondering if anyone here has had experience with this, there seems to be machlokes there on some cards and some banks
Title: Re: Misc Credit Card Questions
Post by: eagertolearn on June 29, 2015, 06:02:03 PM
Can a BRG code be used twice?
Title: Re: Misc Credit Card Questions
Post by: etech0 on June 29, 2015, 06:31:42 PM
ya, I saw that, just wondering if anyone here has had experience with this, there seems to be machlokes there on some cards and some banks
not me, sorry
Title: Re: Misc Credit Card Questions
Post by: Tom Brady on June 29, 2015, 06:35:34 PM
ya, I saw that, just wondering if anyone here has had experience with this, there seems to be machlokes there on some cards and some banks
A lot of the Machlokes is because things change, so what once worked for some may not still work. That's why you should set your cash advance lines to $0, so if the purchase codes as a cash advance, it won't go through and you won't get charged fees. With Chase cards though, there can be times where a purchase initially pends as a cash advance, and then changes to a purchase once it posts, so then you wouldn't want your cash advance line at $0. YMMV.
Title: Re: Misc Credit Card Questions
Post by: Ephraimh on July 06, 2015, 10:27:04 AM
Remember discussion up thread about the real charge card due date,
new Amex app makes it official in writing.
(http://images.tapatalk-cdn.com/15/07/06/d690f2e93d4e1edbe48f9a25710c8d7b.jpg)
Title: Re: Misc Credit Card Questions
Post by: TimT on July 06, 2015, 10:29:22 AM
Remember discussion up thread about the real charge card due date,
new Amex app makes it official in writing.
Where does it say when the payment must be in ?
Title: Re: Misc Credit Card Questions
Post by: Ephraimh on July 06, 2015, 10:34:51 AM
"Payment is due upon receipt of statement"
Title: Re: Misc Credit Card Questions
Post by: srap on July 06, 2015, 10:36:27 AM
Remember discussion up thread about the real charge card due date,
new Amex app makes it official in writing.
(http://images.tapatalk-cdn.com/15/07/06/d690f2e93d4e1edbe48f9a25710c8d7b.jpg)
I went back four pages.  Do you remember where is that discussion?
Title: Re: Misc Credit Card Questions
Post by: Ephraimh on July 06, 2015, 10:37:21 AM

I went back four pages.  Do you remember where is that discussion?
http://forums.dansdeals.com/index.php?topic=33101.msg1163117#msg1163117
Title: Re: Misc Credit Card Questions
Post by: TimT on July 06, 2015, 10:39:36 AM
"Payment is due upon receipt of statement"
The paper statements also say "payment is due upon receipt". What does that even mean ?
Title: Re: Misc Credit Card Questions
Post by: Ephraimh on July 06, 2015, 10:43:19 AM

The paper statements also say "payment is due upon receipt". What does that even mean ?
I never read paper statements ..
Title: Re: Misc Credit Card Questions
Post by: TimT on July 06, 2015, 10:44:17 AM
Payment isn't due until the next statement is closing.
Title: Re: Misc Credit Card Questions
Post by: Ephraimh on July 06, 2015, 10:48:37 AM

Payment isn't due until the next statement is closing.
I assume that is what "upon receipt of statement" means.. Or does it refer to when the mailman drops of your paper statement ? Don't think so, what If I'm enrolled in paperless statements
Title: Re: Misc Credit Card Questions
Post by: TimT on July 06, 2015, 10:54:52 AM
I assume that is what "upon receipt of statement" means.. Or does it refer to when the mailman drops of your paper statement ? Don't think so, what If I'm enrolled in paperless statements
I have no idea what that line means. Receipt usually means when you receive. The reps have never been able to give a straight answer as to why they don't just state the due date.
Title: Re: Misc Credit Card Questions
Post by: Ephraimh on July 06, 2015, 10:59:44 AM

I have no idea what that line means.
Now you know.
Title: Re: Misc Credit Card Questions
Post by: TimT on July 06, 2015, 11:01:02 AM
Now you know.
"Receipt of statement" means when the next statement closes ? Ok
Title: Re: Misc Credit Card Questions
Post by: yuguy on July 13, 2015, 08:49:09 PM
Do statement credits ($100 on the delta platinum) count against minimum spend? Let's say I spent $2050, and the statement credit kicks in--does that require me to spend the difference?

Thanks
Title: Re: Misc Credit Card Questions
Post by: Einstein on July 13, 2015, 10:24:52 PM
Do statement credits ($100 on the delta platinum) count against minimum spend? Let's say I spent $2050, and the statement credit kicks in--does that require me to spend the difference?

Thanks
its considered like you spent it, no need to spend more
Title: Re: Misc Credit Card Questions
Post by: yuguy on July 13, 2015, 10:30:28 PM
its considered like you spent it, no need to spend more

Thanks!
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on July 14, 2015, 12:50:29 PM
I've tried doing a credit reallocation 3 times already on my Amex cards. Each time the rep. does it, I'm told it'll take a couple of days. Then I get a letter stating, they can't process it bec. the accounts are new. Anyway around this issue ?
Title: Re: Misc Credit Card Questions
Post by: SPLP on July 14, 2015, 02:06:56 PM
I've tried doing a credit reallocation 3 times already on my Amex cards. Each time the rep. does it, I'm told it'll take a couple of days. Then I get a letter stating, they can't process it bec. the accounts are new. Anyway around this issue ?

With Amx 40+ years and they made me wait till acct was 1 years old
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on July 14, 2015, 07:14:54 PM
Anybody have more info. on this ?
Title: Re: Misc Credit Card Questions
Post by: TimT on July 14, 2015, 07:15:51 PM
How new are the accounts ?
Title: Re: Misc Credit Card Questions
Post by: maxie m on July 14, 2015, 07:18:24 PM
Was told the same thing plenty of times, card needs to be at least a year old
Title: Re: Misc Credit Card Questions
Post by: TimT on July 14, 2015, 07:19:58 PM
Was told the danger thing plenty of times, card needs to be at least a year old
What danger thing ?
Title: Re: Misc Credit Card Questions
Post by: maxie m on July 14, 2015, 08:00:05 PM
What danger thing ?
stupid auto correct, sorry
Title: Re: Misc Credit Card Questions
Post by: TimT on July 14, 2015, 08:06:01 PM
stupid auto correct, sorry
ah, much better
Title: Re: Misc Credit Card Questions
Post by: rapsjr on July 15, 2015, 01:30:44 AM
Is there any way to make my points post early? I have the chase Marriott card and just finished the spending threshold, i tried changing the statement closing date to tomorrow (the 16th) instead of the 4th but the rep says it'll only take affect in august. What can i do to get my points sooner? I need it asap!
TIA
Title: Re: Misc Credit Card Questions
Post by: D93 on July 15, 2015, 01:58:37 AM
Is there any way to make my points post early? I have the chase Marriott card and just finished the spending threshold, i tried changing the statement closing date to tomorrow (the 16th) instead of the 4th but the rep says it'll only take affect in august. What can i do to get my points sooner? I need it asap!
TIA
DROPR - it will close earlier this month as well, however if there isn't 7 days between spend and statement closing, the points will likely not post on this statement.
Title: Re: Misc Credit Card Questions
Post by: sammy n on July 15, 2015, 05:23:37 AM
Not sure this is the right place to ask but couldn't find anywhere better.

I paid a Amex platinum bill from my chase account 3 days ago and it still not reflecting in my balance, does that make sense?
Title: Re: Misc Credit Card Questions
Post by: SPLP on July 15, 2015, 06:12:57 AM
Look at your Chase account , does it show the funds paid to Amex , the most I have experienced is a 2 day lag to show on Amex
Title: Re: Misc Credit Card Questions
Post by: sammy n on July 15, 2015, 06:23:46 AM
Look at your Chase account , does it show the funds paid to Amex , the most I have experienced is a 2 day lag to show on Amex
Doesn't show anything on the chase end. Guess I'll wait another day and see if anything happens.
Title: Re: Misc Credit Card Questions
Post by: SPLP on July 15, 2015, 06:32:22 AM
if u did the order to pay 3 days ago -- if would show out of  your  current chase  balance --I would call amx and ask if it shows pending -- to me sounds like something is wrong- maybe u entered the wrong  pay date --you do not want to be late on a payment worth the phone call
Title: Re: Misc Credit Card Questions
Post by: sammy n on July 15, 2015, 08:24:26 AM

if u did the order to pay 3 days ago -- if would show out of  your  current chase  balance --I would call amx and ask if it shows pending -- to me sounds like something is wrong- maybe u entered the wrong  pay date --you do not want to be late on a payment worth the phone call
the payment on amex side went through. It's that the money never left my chase account.
Title: Re: Misc Credit Card Questions
Post by: D93 on July 15, 2015, 08:56:39 AM
the payment on amex side went through. It's that the money never left my chase account.
It's normal to take a few days for that.
Title: Re: Misc Credit Card Questions
Post by: SPLP on July 15, 2015, 09:38:22 AM
the payment on amex side went through. It's that the money never left my chase account.

Do not understand why you are concerned? - so CHASE paid the bill , AMX got its money --- what is the problem?----

 banks are known to do a great job in taking care of themselves - no need to worry about them -- and if u think u now have EXTRA money in your CHASE account ,you are looking for trouble if you touch it-- many cases of  people finding  that a deposit was made into an account and in error a few extra zeros were entered -- people thought -- possession is KING !!--  they found out banks have a very good legal department
Title: Re: Misc Credit Card Questions
Post by: rapsjr on July 15, 2015, 10:31:40 AM
DROPR - it will close earlier this month as well, however if there isn't 7 days between spend and statement closing, the points will likely not post on this statement.
Thanks! Do the 7 days have to be from when the charge goes from pending to sale, or just from the actual spending.
Title: Re: Misc Credit Card Questions
Post by: srap on July 15, 2015, 03:40:59 PM
Is a citibank card just as good as an AMEX for buying something fragile?  1) for extended warranty and 2) for scratches/dents etc (in the first 90 days?)? 

Both insurances say they cover the extra year and the 90 day protection from my understanding.
Title: Re: Misc Credit Card Questions
Post by: TimT on July 15, 2015, 03:41:37 PM
Nobody beats amex
Title: Re: Misc Credit Card Questions
Post by: D93 on July 15, 2015, 03:44:08 PM
Thanks! Do the 7 days have to be from when the charge goes from pending to sale, or just from the actual spending.
That
Title: Re: Misc Credit Card Questions
Post by: srap on July 15, 2015, 03:47:04 PM
Nobody beats amex
I know that is the general feeling.  I wanted to know from people's personal experience re Citibank. 

I didn't know if they just changed their policy time limits to match AMEX or they were always this way and AMEX just out performs them in stepping up to the plate during claims.
Title: Re: Misc Credit Card Questions
Post by: deal_rider on July 20, 2015, 04:22:23 PM
Will the AU get a new card number for Costco Amex or will it be just the same card with a different name?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on July 20, 2015, 04:33:23 PM
Will the AU get a new card number for Costco Amex or will it be just the same card with a different name?
Amex creates different numbers.
Title: Re: Misc Credit Card Questions
Post by: deal_rider on July 20, 2015, 04:48:41 PM
Amex creates different numbers.

I got a the exact same card with a different name when I added an AU for Macys Amex. Just wanted to confirm its not the case with Costco Amex. Am sure the the card number will be different for the other amex cards
Title: Re: Misc Credit Card Questions
Post by: davidd75 on July 20, 2015, 04:53:15 PM
CITI Executive Dan mentioned 37 days to cancel AF for a full refund

what about other citi cards 37? 30?
Title: Re: Misc Credit Card Questions
Post by: rapsjr on July 26, 2015, 12:54:21 AM
DROPR - it will close earlier this month as well, however if there isn't 7 days between spend and statement closing, the points will likely not post on this statement.
This didn't work for me... any other ideas to get the points quickly?
Title: Re: Misc Credit Card Questions
Post by: yitzy93 on July 26, 2015, 09:45:46 AM
Are there any downsides/risks to adding multiple Amex AU's in my own name and SSN?
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on July 26, 2015, 09:52:30 AM
Are there any downsides/risks to adding multiple Amex AU's in my own name and SSN?

That they show up on your CR.

Don't double post but certainly read uphere (http://forums.dansdeals.com/index.php?topic=1716.0)
Title: Re: Misc Credit Card Questions
Post by: Einstein on July 27, 2015, 03:11:19 PM
That they show up on your CR.

Don't double post but certainly read uphere (http://forums.dansdeals.com/index.php?topic=1716.0)
Is there any downside to adding AU's to amex cards, but leaving out SSN?
Title: Re: Misc Credit Card Questions
Post by: DMYD on July 27, 2015, 03:15:50 PM
Is there any downside to adding AU's to amex cards, but leaving out SSN?
Do you have the SSN?
Title: Re: Misc Credit Card Questions
Post by: Einstein on July 27, 2015, 03:17:20 PM
Do you have the SSN?
yes, I could add it if I wanted
Title: Re: Misc Credit Card Questions
Post by: srap on July 28, 2015, 02:09:09 PM
Thoughts on whether to buy 120k points at 100% bonus on an IHG Chase card or as part of a large spend for a new CC? 

I think it is 3x IHG points vs 1,380 TY points.  One IHG rep actually told me 10x (for IHG), another told me 3x (for online shopping).
Title: Re: Misc Credit Card Questions
Post by: yuguy on August 07, 2015, 08:54:22 AM
Hope this is the right thread (seemed like the best choices...)

Generally when taking out a mortgage, it seems that the consensus is to have a clean report (no inquiries, new accounts) for about a year. What's the general consensus when it comes to car loans?
Title: Re: Misc Credit Card Questions
Post by: DMYD on August 07, 2015, 10:42:26 AM
Hope this is the right thread (seemed like the best choices...)

Generally when taking out a mortgage, it seems that the consensus is to have a clean report (no inquiries, new accounts) for about a year. What's the general consensus when it comes to car loans?
I cant speak for others but I had plenty of inquires when I got my auto loan. It depends a lot on the income.
Title: Re: Misc Credit Card Questions
Post by: yuguy on August 07, 2015, 10:48:54 AM
I cant speak for others but I had plenty of inquires when I got my auto loan. It depends a lot on the income.

Thanks that's useful!
Title: Re: Misc Credit Card Questions
Post by: Jay s on August 09, 2015, 12:18:13 AM
Signed up for a couple of amex cards , see online they each got their own MR number any way to combine them into one account number?
Title: Re: Misc Credit Card Questions
Post by: coralsnake on August 09, 2015, 12:19:50 AM
Signed up for a couple of amex cards , see online they each got their own MR number any way to combine them into one account number?
Call or chat.
Title: Re: Misc Credit Card Questions
Post by: Jay s on August 09, 2015, 12:23:50 AM
Call or chat.
Thanks . Amex or membership rewards?
Title: Re: Misc Credit Card Questions
Post by: TimT on August 09, 2015, 12:24:23 AM
Call or chat.
Will that work to combine spouses accounts as well ?
Title: Re: Misc Credit Card Questions
Post by: coralsnake on August 09, 2015, 12:24:53 AM
Thanks . Amex or membership rewards?
I would just call the number on one of the cards and they'll put you through to whoever can do it
Title: Re: Misc Credit Card Questions
Post by: TimT on August 09, 2015, 12:25:17 AM
Thanks . Amex or membership rewards?
Aren't they 1 ?
Title: Re: Misc Credit Card Questions
Post by: coralsnake on August 09, 2015, 12:25:41 AM
Will that work to combine spouses accounts as well ?
Since when can you can combine spouses MR accounts?
Title: Re: Misc Credit Card Questions
Post by: TimT on August 09, 2015, 12:26:40 AM
Since when can you can combine spouses MR accounts?
I'll take that as a no
Title: Re: Misc Credit Card Questions
Post by: coralsnake on August 09, 2015, 12:26:45 AM
Aren't they 1 ?
Card services and membership rewards are different departments
Title: Re: Misc Credit Card Questions
Post by: MosheD on August 09, 2015, 04:08:30 PM
Having trouble searching for this but basic question, I currently have 3 MR cards, how many do I need to keep open to retain the points?
Will a simple ED be good enough to keep all the MR I earned from biz plat?
Title: Re: Misc Credit Card Questions
Post by: TimT on August 09, 2015, 04:15:20 PM
yes, if its the same mr account number
Title: Re: Misc Credit Card Questions
Post by: CS91 on August 12, 2015, 07:50:32 PM
Got a targeted offer last week for 40k Amex PRG signup bonus but through it out. Any way to call them and get it back? I don't want to apply over the phone because I want to do a 2/3BM.
Title: Re: Misc Credit Card Questions
Post by: TimT on August 12, 2015, 07:52:58 PM
Got a targeted offer last week for 40k Amex PRG signup bonus but through it out. Any way to call them and get it back? I don't want to apply over the phone because I want to do a 2/3BM.
Do you mean that you're gonna try to use the targeted offer a few times or you're applying for different cards as well ?
Title: Re: Misc Credit Card Questions
Post by: CS91 on August 12, 2015, 08:01:32 PM
Do you mean that you're gonna try to use the targeted offer a few times or you're applying for different cards as well ?

Applying for different cards as well (SPG).
Title: Re: Misc Credit Card Questions
Post by: TimT on August 12, 2015, 08:07:32 PM
Applying for different cards as well (SPG).
Then what does it matter if you call in ? You could apply afterwards for more cards. Anything on the same day will be 1 pull. (Amex)
Title: Re: Misc Credit Card Questions
Post by: CS91 on August 12, 2015, 08:09:52 PM
Then what does it matter if you call in ? You could apply afterwards for more cards. Anything on the same day will be 1 pull. (Amex)

Ah got it. Thanks for the tip.
Title: Re: Misc Credit Card Questions
Post by: TimT on August 12, 2015, 08:13:30 PM
Ah got it. Thanks for the tip.
Even personal & biz will be 1 pull. (Chase personal & biz would be 2 pulls.)
Title: Re: Misc Credit Card Questions
Post by: D93 on August 13, 2015, 01:39:41 AM
Got a targeted offer last week for 40k Amex PRG signup bonus but through it out. Any way to call them and get it back? I don't want to apply over the phone because I want to do a 2/3BM.
Why do you want a 40k PRG when you can get a 50k online?
Title: Re: Misc Credit Card Questions
Post by: CS91 on August 13, 2015, 07:12:51 AM
Why do you want a 40k PRG when you can get a 50k online?

Link?
Title: Re: Misc Credit Card Questions
Post by: D93 on August 13, 2015, 07:36:23 AM
Link?
https://www.americanexpress.com/us/mobile/credit-cards/premier-rewards-gold/

Gotta keep trying until you get 50k.
Title: Re: Misc Credit Card Questions
Post by: CS91 on August 13, 2015, 09:25:12 AM
https://www.americanexpress.com/us/mobile/credit-cards/premier-rewards-gold/

Gotta keep trying until you get 50k.

Keeps coming up as 25k.
Title: Re: Misc Credit Card Questions
Post by: TimT on August 13, 2015, 09:34:28 AM
Keeps coming up as 25k.
I just tried incognito (on puffin browser) & saw 50k.
Title: Re: Misc Credit Card Questions
Post by: CS91 on August 13, 2015, 09:49:25 AM
I just tried incognito (on puffin browser) & saw 50k.

All good. The 75k ended up working for me!

Follow up n00b question– can I have Amex business and consumer cards under the same login or have to set up separate accounts?
Title: Re: Misc Credit Card Questions
Post by: a mirrer on August 13, 2015, 09:50:26 AM
All good. The 75k ended up working for me!

Follow up n00b question– can I have Amex business and consumer cards under the same login or have to set up separate accounts?
possible to do the same account
Title: Re: Misc Credit Card Questions
Post by: D93 on August 13, 2015, 09:53:00 AM
All good. The 75k ended up working for me!

75k PRG?
Title: Re: Misc Credit Card Questions
Post by: TimT on August 13, 2015, 09:54:28 AM
All good. The 75k ended up working for me!

Follow up n00b question– can I have Amex business and consumer cards under the same login or have to set up separate accounts?
It could be 1 login. The 75k was from the BRG not PRG, correct ?
Title: Re: Misc Credit Card Questions
Post by: CS91 on August 13, 2015, 10:06:22 AM
It could be 1 login. The 75k was from the BRG not PRG, correct ?

75k PRG?

Yes, BRG.
Title: Re: Misc Credit Card Questions
Post by: TimT on August 13, 2015, 10:07:36 AM
Yes, BRG.
You gonna throw in a 50k PRG as well ?
Title: Re: Misc Credit Card Questions
Post by: CS91 on August 13, 2015, 03:38:10 PM
You gonna throw in a 50k PRG as well ?

The link wasn't working for me to get the 50k offer. Kept getting 25k, so I just threw in an Everyday.
Title: Re: Misc Credit Card Questions
Post by: srap on August 20, 2015, 07:59:19 PM
Where can I spend today so that it will POST by midnight tonight? 
I am $200 short of my spend for my Prestige card that I may want to cancel.
Title: Re: Misc Credit Card Questions
Post by: Centro on August 20, 2015, 08:01:37 PM
Where can I spend today so that it will POST by midnight tonight? 
I am $200 short of my spend for my Prestige card that I may want to cancel.
I had amazon gc post next day, not sure that's always the case and doubt it'll post within a few hours.
Title: Re: Misc Credit Card Questions
Post by: yoshi on August 20, 2015, 10:39:03 PM
Is it an issue to pay an amex cc with a bank acct not in your name? How about to send a check directly to amex when the check isn't in your name? More specifically, will Canada amex be different?
Title: Re: Misc Credit Card Questions
Post by: clear thinker on August 20, 2015, 10:42:34 PM
Is it an issue to pay an amex cc with a bank acct not in your name? How about to send a check directly to amex when the check isn't in your name? More specifically, will Canada amex be different?
Afaik No problem.
Title: Re: Misc Credit Card Questions
Post by: yoshi on August 20, 2015, 10:44:26 PM
Afaik No problem.
No problem to all the above? Including Canada? (I think legally its a problem, I'm wondering if they actually care)
Title: Re: Misc Credit Card Questions
Post by: clear thinker on August 20, 2015, 10:48:23 PM
No problem to all the above? Including Canada? (I think legally its a problem, I'm wondering if they actually care)
The first 2 I have done numerous times, the third I just can't what would be any different.
Title: Re: Misc Credit Card Questions
Post by: Centro on August 20, 2015, 10:59:58 PM
Is it an issue to pay an amex cc with a bank acct not in your name? How about to send a check directly to amex when the check isn't in your name? More specifically, will Canada amex be different?
Some people claim if you do it to often then you might be fr'd,
But if you do it once in a while it's no problem at all.
Title: Re: Misc Credit Card Questions
Post by: D93 on August 21, 2015, 12:52:49 AM
The first 2 I have done numerous times, the third I just can't what would be any different.
<sarcasm>I never wear a seat belt and so far I am still safe.</sarcasm>
Title: Re: Misc Credit Card Questions
Post by: ChaimMoskowitz on August 21, 2015, 12:58:41 AM
Where can I spend today so that it will POST by midnight tonight? 
I am $200 short of my spend for my Prestige card that I may want to cancel.
You are looking for a same day poster. Don't think there is one.
Title: Re: Misc Credit Card Questions
Post by: srap on August 21, 2015, 01:45:53 AM
You are looking for a same day poster. Don't think there is one.
Thanks.   :(
Title: Re: Misc Credit Card Questions
Post by: Yitzshpitz on August 21, 2015, 01:46:25 AM
Some people claim if you do it to often then you might be fr'd,
But if you do it once in a while it's no problem at all.

I dont think that is true. For a long time I had a bank account not under my name pay my cc bils and was never flagged or fr'ed. I know plenty of people who do the same with no problems.
Title: Re: Misc Credit Card Questions
Post by: clear thinker on August 21, 2015, 08:43:42 AM

That is why I wrote:

Afaik

Title: Re: Misc Credit Card Questions
Post by: Boruch999 on August 24, 2015, 06:48:14 PM
How to move CL between Amex cards?
Title: Re: Misc Credit Card Questions
Post by: TimT on August 24, 2015, 06:51:13 PM
How to move CL between Amex cards?
Call ?
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on August 24, 2015, 07:37:14 PM

Call ?

Even chat can get it done iirc.
Title: Re: Misc Credit Card Questions
Post by: Centro on August 24, 2015, 08:19:01 PM
How to move CL between Amex cards?
In the pass you were able to do it online, didn't try in a while so not sure if you still can.
Title: Re: Misc Credit Card Questions
Post by: DMYD on August 24, 2015, 09:41:16 PM
Which bank would allow a CL increase without a hard pull?
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on August 24, 2015, 09:50:27 PM
Which bank would allow a CL increase without a hard pull?

Whoever is not here (http://www.doctorofcredit.com/credit-cards/which-credit-card-companies-do-a-hard-pull-for-a-credit-limit-increase/) potentially.
Title: Re: Misc Credit Card Questions
Post by: DMYD on August 24, 2015, 10:29:29 PM
Whoever is not here (http://www.doctorofcredit.com/credit-cards/which-credit-card-companies-do-a-hard-pull-for-a-credit-limit-increase/) potentially.
Thanks that was helpful
Title: Re: Misc Credit Card Questions
Post by: davidd75 on August 26, 2015, 04:21:52 PM
My son's school has decided this year to impose a 2% surcharge on all cc tuition payments.  Is there any benefit to pay with a 2% cashback card such a Citi Double besides buying myself some extra time to actually pay bill?  I could always pay with other CC to meet bonus spend but those cards wont give back 2%

any other ideas about the best way to pay tuition if there is a 2% surcharge?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on August 26, 2015, 04:24:00 PM
My son's school has decided this year to impose a 2% surcharge on all cc tuition payments.  Is there any benefit to pay with a 2% cashback card such a Citi Double besides buying myself some extra time to actually pay bill?  I could always pay with other CC to meet bonus spend but those cards wont give back 2%

any other ideas about the best way to pay tuition if there is a 2% surcharge?
Checks from RC?
Title: Re: Misc Credit Card Questions
Post by: davidd75 on August 26, 2015, 04:58:07 PM
Checks from RC?

are you sure RC sends to schools as well?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on August 26, 2015, 04:59:36 PM
are you sure RC sends to schools as well?
Is that a thing that they wont pay a school bill?
Title: Re: Misc Credit Card Questions
Post by: noturbizniss on August 26, 2015, 05:35:21 PM
are you sure RC sends to schools as well?
It should work, but I don't think you get a benefit since you can just transfer to your bank. The best method for this went into a coma last Wednesday...
Title: Re: Misc Credit Card Questions
Post by: MrPrime1 on August 26, 2015, 08:14:41 PM
Any tips on applying for biz cards? (specifically spg and boa alaska). I have a tax ID that I can use but would rather not as I like to keep expenses separate. Should I just use the tax ID or apply using my Ssn?
Title: Re: Misc Credit Card Questions
Post by: TimT on August 26, 2015, 08:15:36 PM
Any tips on applying for biz cards? (specifically spg and boa alaska). I have a tax ID that I can use but would rather not as I like to keep expenses separate. Should I just use the tax ID or apply using my Ssn?
Either one works
Title: Re: Misc Credit Card Questions
Post by: MrPrime1 on August 26, 2015, 08:16:15 PM
Either one works
Any downside to using Ssn over the tax ID?
Title: Re: Misc Credit Card Questions
Post by: DMYD on August 26, 2015, 11:03:22 PM
Any downside to using Ssn over the tax ID?
You can still keep in separate it makes no difference.
Title: Re: Misc Credit Card Questions
Post by: MrPrime1 on August 27, 2015, 09:23:53 AM
You can still keep in separate it makes no difference.
You mean get it using the tax ID but don't put any biz expenses on that card?
Title: Re: Misc Credit Card Questions
Post by: DMYD on August 27, 2015, 09:24:37 AM
You mean get it using the tax ID but don't put any biz expenses on that card?
Correct
Title: Re: Misc Credit Card Questions
Post by: MrPrime1 on August 27, 2015, 09:35:35 AM
Correct
Got it. Thanks
Title: Re: Misc Credit Card Questions
Post by: davidd75 on August 27, 2015, 09:39:32 AM
It should work, but I don't think you get a benefit since you can just transfer to your bank. The best method for this went into a coma last Wednesday...

I hear but the idea of buying GC and transferring to RC and then to my bank is better than paying the 2% surcharge

what method?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on August 27, 2015, 10:27:35 AM
I hear but the idea of buying GC and transferring to RC and then to my bank is better than paying the 2% surcharge

what method?
AGC.
Title: Re: Misc Credit Card Questions
Post by: noturbizniss on August 27, 2015, 10:44:00 AM
I hear but the idea of buying GC and transferring to RC and then to my bank is better than paying the 2% surcharge

That's my point. I was saying there's no advantage to sending a check from RC over transferring to your bank and then paying from there.
Title: Re: Misc Credit Card Questions
Post by: jds on August 31, 2015, 06:40:31 PM
Does anyone know if you can transfer MR points with the Everyday Preferred or do you need to have the PRG or Platinum?
Title: Re: Misc Credit Card Questions
Post by: Dave A on August 31, 2015, 06:44:21 PM
Does anyone know if you can transfer MR points with the Everyday Preferred or do you need to have the PRG or Platinum?

Title: Re: Misc Credit Card Questions
Post by: TimT on August 31, 2015, 06:44:41 PM
Does anyone know if you can transfer MR points with the Everyday Preferred or do you need to have the PRG or Platinum?
from the EDP
Title: Re: Misc Credit Card Questions
Post by: D93 on September 01, 2015, 01:55:45 AM
Does anyone know if you can transfer MR points with the Everyday Preferred or do you need to have the PRG or Platinum?
You can transfer with the Everyday Preferred.
Title: Re: Misc Credit Card Questions
Post by: jds on September 01, 2015, 10:16:54 AM

from the EDP
You can transfer with the Everyday Preferred.

Thank you!
Title: Re: Misc Credit Card Questions
Post by: ush1213 on September 01, 2015, 12:20:48 PM
Does amex let you move over the credit line from one card to another as easily as chase does?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on September 01, 2015, 12:40:21 PM
Does amex let you move over the credit line from one card to another as easily as chase does?
Should be simple to do.
Title: Re: Misc Credit Card Questions
Post by: TimT on September 04, 2015, 09:35:35 AM
Anyone else getting "Our systems are currently down" when trying to login to amex ?
Title: Re: Misc Credit Card Questions
Post by: D93 on September 04, 2015, 09:39:19 AM
Anyone else getting "Our systems are currently down" when trying to login to amex ?
Yes
Title: Re: Misc Credit Card Questions
Post by: Einstein on September 04, 2015, 09:40:10 AM
Anyone else getting "Our systems are currently down" when trying to login to amex ?
nope amex is working fine by me
Title: Re: Misc Credit Card Questions
Post by: TimT on September 04, 2015, 09:41:09 AM
Yes
Tried a few of my logins, no go. Wife's logins are fine.
Title: Misc Credit Card Questions
Post by: rileywiles23 on September 04, 2015, 09:45:53 AM
I've had a recently opened Amex card, frozen due to fraud concern ( $200 serve charge )
I called up the fraud dept. numerous times over the last 3 days, to clear up the account.
Every damn Indian says I have to wait for a call back to my phone, and none have been forth coming, and my card still ain't working.
Any other way to get this cleared up, w/o having to deal with a bunch of dumb imbeciles in the fraud dept. ?
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on September 06, 2015, 03:14:31 PM
i need to swipe approx. 150k within the next few months. what would be my best bet? opening up a bunch of chase cards (with mediocre signup bonuses) and go to next as soon as threshold is reached? (i recently applied for all the amex biggies so no dice there) is there a specific card where spending a large amount will give me elite status or something i.e. spg to reach gold (already have) or southwest for companion pass...
 im not gunning for a specific redemption just stockpiling for future adventures since i  wont be traveling in the next few months. where would it be wisest to lock it up? mr, ur, typ, airlines?
any advice appreciated
Title: Re: Misc Credit Card Questions
Post by: D93 on September 06, 2015, 04:35:21 PM
i need to swipe approx. 150k within the next few months. what would be my best bet? opening up a bunch of chase cards (with mediocre signup bonuses) and go to next as soon as threshold is reached? (i recently applied for all the amex biggies so no dice there) is there a specific card where spending a large amount will give me elite status or something i.e. spg to reach gold (already have) or southwest for companion pass...
 im not gunning for a specific redemption just stockpiling for future adventures since i  wont be traveling in the next few months. where would it be wisest to lock it up? mr, ur, typ, airlines?
any advice appreciated
$40k on Citi Hilton Reserve or Amex Hilton Surpass gives Hilton Diamond
$75k on Chase Ritz card gives Ritz Plat and United Silver
Title: Re: Misc Credit Card Questions
Post by: clear thinker on September 06, 2015, 04:43:21 PM
$40k on Citi Hilton Reserve or Amex Hilton Surpass gives Hilton Diamond
$75k on Chase Ritz card gives Ritz Plat and United Silver
Marriott plat gives you United silver?
Title: Re: Misc Credit Card Questions
Post by: D93 on September 06, 2015, 04:47:49 PM
Marriott plat gives you United silver?
Yes

https://hub.united.com/en-us/news/loyalty-program/pages/united-and-marriott-introduce-rewardsplus.aspx
Title: Re: Misc Credit Card Questions
Post by: clear thinker on September 06, 2015, 04:48:55 PM
Yes

https://hub.united.com/en-us/news/loyalty-program/pages/united-and-marriott-introduce-rewardsplus.aspx
Hmmm. Tnx for the info.
Might be something worth working on.
Title: Re: Misc Credit Card Questions
Post by: D93 on September 06, 2015, 04:50:23 PM
Hmmm. Tnx for the info.
Might be something worth working on.
Not really.
Title: Re: Misc Credit Card Questions
Post by: clear thinker on September 06, 2015, 04:51:18 PM
Not really.
I Just read up on silver, not that major.
Title: Re: Misc Credit Card Questions
Post by: D93 on September 06, 2015, 04:55:38 PM
I Just read up on silver, not that major.
Exactly.
Title: Re: Misc Credit Card Questions
Post by: DMYD on September 06, 2015, 05:05:36 PM
I Just read up on silver, not that major.
Was also looking in to it, but as you pointed out already nothing major being UA Silver.
Title: Re: Misc Credit Card Questions
Post by: clear thinker on September 06, 2015, 05:11:20 PM
Was also looking in to it, but as you pointed out already nothing major being UA Silver.
Being Marriott Platinum might be more interesting! 
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on September 07, 2015, 11:45:32 AM
Being Marriott Platinum might be more interesting! 
doesnt seem too interesting either
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on September 07, 2015, 11:46:32 AM
i think my question boils down to what is the most valuable point/mile currency out there worth stockpiling?
Title: Re: Misc Credit Card Questions
Post by: DMYD on September 07, 2015, 11:48:44 AM
i think my question boils down to what is the most valuable point/mile currency out there worth stockpiling?
SPG #1 M&M #2
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on September 07, 2015, 11:57:02 AM
SPG #1 M&M #2
never looked into that yet. dan has a link?
Title: Re: Misc Credit Card Questions
Post by: D93 on September 07, 2015, 12:14:54 PM
never looked into that yet. dan has a link?
No. But there's one in the wiki here (http://forums.dansdeals.com/index.php?topic=28319.0).
Title: Re: Misc Credit Card Questions
Post by: clear thinker on September 07, 2015, 12:44:41 PM
I have very little info on the Amex Green card and there is no thread for it either (AFAIK).
Is a targeted 25k a good offer?
If I apply can I later downgrade my Plat/Gold to it even if it's still open?
Tia!
Title: Re: Misc Credit Card Questions
Post by: DMYD on September 07, 2015, 01:29:11 PM
I have very little info on the Amex Green card and there is no thread for it either (AFAIK).
Is a targeted 25k a good offer?
If I apply can I later downgrade my Plat/Gold to it even if it's still open?
Tia!
25k is the best offer you'll get for the green card.
Yes you can have as many green cards as you want.
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on September 07, 2015, 01:52:54 PM

Yes you can have as many green cards as you want.
why is that?
Title: Re: Misc Credit Card Questions
Post by: Buruch on September 07, 2015, 02:40:25 PM
Is it possible to see how many amex points a specific purchase earned for me?
Title: Misc Credit Card Questions
Post by: rileywiles23 on September 07, 2015, 03:04:10 PM
Will Amex accept a notary to prove identity, that was done in Israel - the account address is an American one, but the account holder Is currently in Israel ?
Title: Re: Misc Credit Card Questions
Post by: DMYD on September 07, 2015, 03:05:29 PM
why is that?
Hmm ask Amex, they are just nice.
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on September 07, 2015, 03:20:30 PM
seriously, i thought with amex its one product per ssn?
Title: Re: Misc Credit Card Questions
Post by: D93 on September 07, 2015, 03:22:00 PM
seriously, i thought with amex its one product per ssn?
Incorrect
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on September 07, 2015, 03:29:53 PM
Incorrect
so what is it? one per type of cc and however many charge cards?
Title: Re: Misc Credit Card Questions
Post by: clear thinker on September 07, 2015, 04:01:24 PM
so what is it? one per type of cc and however many charge cards?
This particular example is a downgrade so I wouldn't receive any points for that so it's very understandable.
Ie somebody having more than one Freedom because they downgraded from Csp.
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on September 07, 2015, 04:53:32 PM

Will Amex accept a notary to prove identity, that was done in Israel - the account address is an American one, but the account holder Is currently in Israel ?
Bump.
Title: Re: Misc Credit Card Questions
Post by: mord1 on September 08, 2015, 01:24:15 PM
I just applied for an amex card and got this message: 
Currently, our systems are not responding. Please try again later or call/contact us as follows:
 To apply by phone or for product information -- 1-800-223-2670.

 We apologize for the inconvenience and look forward to serving you.

Should, I just try again, call, anyone else get this today?
Title: Re: Misc Credit Card Questions
Post by: TimT on September 08, 2015, 01:25:36 PM
I just applied for an amex card and got this message: 
Currently, our systems are not responding. Please try again later or call/contact us as follows:
 To apply by phone or for product information -- 1-800-223-2670.

 We apologize for the inconvenience and look forward to serving you.

Should, I just try again, call, anyone else get this today?
First check americanexpress.com/applicationstatus to see if the application even went through.
Title: Re: Misc Credit Card Questions
Post by: mord1 on September 08, 2015, 02:01:39 PM
First check americanexpress.com/applicationstatus to see if the application even went through.
thanks, I just checked and was approved- pretty weird message for an approval!
Title: Re: Misc Credit Card Questions
Post by: TimT on September 09, 2015, 10:42:15 PM
If I returned an item purchased with an Amex before the statement closed (3 days after buying it) will it still count towards the signup bonus ? It's at the end of the 3 months & I'm not sure if I met the spend threshold yet.
Title: Re: Misc Credit Card Questions
Post by: mord1 on September 09, 2015, 11:37:40 PM
If I returned an item purchased with an Amex before the statement closed (3 days after buying it) will it still count towards the signup bonus ? It's at the end of the 3 months & I'm not sure if I met the spend threshold yet.
No experience, but misvara I would say no, doesn't it say somewhere in the terms that it's - returns, cash advances etc...
Title: Re: Misc Credit Card Questions
Post by: D93 on September 10, 2015, 02:15:48 AM
If I returned an item purchased with an Amex before the statement closed (3 days after buying it) will it still count towards the signup bonus ? It's at the end of the 3 months & I'm not sure if I met the spend threshold yet.
Yes
No experience, but misvara I would say no, doesn't it say somewhere in the terms that it's - returns, cash advances etc...
T&C's are often meaningless
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on September 10, 2015, 08:51:09 AM
If I returned an item purchased with an Amex before the statement closed (3 days after buying it) will it still count towards the signup bonus ? It's at the end of the 3 months & I'm not sure if I met the spend threshold yet.

Counts.
Title: Re: Misc Credit Card Questions
Post by: TimT on September 10, 2015, 08:57:45 AM
Thanks for the responses. Will the refund deduct off of what I currently owe on this month's statement ?
Title: Re: Misc Credit Card Questions
Post by: rileywiles23 on September 10, 2015, 09:55:26 AM

Thanks for the responses. Will the refund deduct off of what I currently owe on this month's statement ?
It depend when the credit posts to the account.
Title: Re: Misc Credit Card Questions
Post by: CS91 on September 10, 2015, 10:03:23 AM
Thanks for the responses. Will the refund deduct off of what I currently owe on this month's statement ?

I believe that it does. Any credits (refunds included) are applied to any amount still outstanding from the most recent statement (IME).
Title: Re: Misc Credit Card Questions
Post by: mord1 on September 10, 2015, 11:46:30 AM
Counts.
That sounds like a nice plan to meet a signup bonus? (maybe this comment should be in the ethical thread?)
Title: Re: Misc Credit Card Questions
Post by: TimT on September 10, 2015, 12:11:17 PM
That sounds like a nice plan to meet a signup bonus? (maybe this comment should be in the ethical thread?)
If abused you could be asking for an f/r.
Title: Re: Misc Credit Card Questions
Post by: coralsnake on September 10, 2015, 12:13:01 PM
That sounds like a nice plan to meet a signup bonus? (maybe this comment should be in the ethical thread?)
I wouldn't plan to do it but it happens when you need to return something.
Title: Re: Misc Credit Card Questions
Post by: D93 on September 10, 2015, 12:47:50 PM
Thanks for the responses. Will the refund deduct off of what I currently owe on this month's statement ?
Yes
Title: Re: Misc Credit Card Questions
Post by: mord1 on September 10, 2015, 01:37:49 PM
I wouldn't plan to do it but it happens when you need to return something.

I hear, I had 1 friend tell me a few months ago that was his method, but I definitely hear how it could raise suspicions.
Title: Re: Misc Credit Card Questions
Post by: deal_rider on September 14, 2015, 01:33:18 PM
Are there any CCs that provide extended warranty for refurbished products?
Title: Re: Misc Credit Card Questions
Post by: ADG on September 16, 2015, 02:25:07 PM
Arrival+ AF is here... it is my first CC i have a option to move the credit to another card from barclay However this is my first card and and dont want to loose the credit history (2014) . will consolidating CL affect my credit history? ( the next CC was open 1 month later which am also not planing on sticking around for the AF) any advice?
Title: Re: Misc Credit Card Questions
Post by: D93 on September 16, 2015, 02:31:50 PM
Arrival+ AF is here... it is my first CC i have a option to move the credit to another card from barclay However this is my first card and and dont want to loose the credit history (2014) . will consolidating CL affect my credit history? ( the next CC was open 1 month later which am also not planing on sticking around for the AF) any advice?
Downgrade the Arrival+ to the no fee Arrival card
Title: Re: Misc Credit Card Questions
Post by: ADG on September 16, 2015, 03:22:47 PM
They said it wasnt available
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on September 16, 2015, 03:24:03 PM
They said it wasnt available
HUCA.
Title: Re: Misc Credit Card Questions
Post by: ADG on September 16, 2015, 05:13:53 PM
HUCA.

Did that and had to get a supervisor to do it for me. thanks
Title: Re: Misc Credit Card Questions
Post by: Centro on October 08, 2015, 03:36:45 PM
If I have a negative balance with Amex, will they at some point send me a check without requesting it or I need to request it?
Title: Re: Misc Credit Card Questions
Post by: ChaimMoskowitz on October 08, 2015, 03:40:02 PM
If I have a negative balance with Amex, will they at some point send me a check without requesting it or I need to request it?
Request check online.
DISPUTE / INQUIRE ABOUT ACCOUNT ACTIVITY
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on October 08, 2015, 03:40:25 PM

If I have a negative balance with Amex, will they at some point send me a check without requesting it or I need to request it?

Have to ask for one.
Title: Re: Misc Credit Card Questions
Post by: Centro on October 08, 2015, 03:47:36 PM
Request check online.
DISPUTE / INQUIRE ABOUT ACCOUNT ACTIVITY


Have to ask for one.
Thanks.
Title: Re: Misc Credit Card Questions
Post by: etech0 on October 08, 2015, 04:00:16 PM
I've gotten them without asking, FWIW
Title: Re: Misc Credit Card Questions
Post by: normaly2345 on October 08, 2015, 07:51:19 PM
I have a amex offer not to my name could I change the name online?
Title: Re: Misc Credit Card Questions
Post by: D93 on October 08, 2015, 08:18:17 PM
I have a amex offer not to my name could I change the name online?
Personal or Business?
Title: Re: Misc Credit Card Questions
Post by: normaly2345 on October 08, 2015, 08:24:31 PM
Personal or Business?
Personal
Title: Re: Misc Credit Card Questions
Post by: D93 on October 08, 2015, 08:47:49 PM
Personal
No
Title: Re: Misc Credit Card Questions
Post by: normaly2345 on October 08, 2015, 08:49:15 PM
No
I just canceled a delta card this offer has no 12 month language. How long should I wait to apply or I will not get the points anyways?
Title: Re: Misc Credit Card Questions
Post by: TimT on October 08, 2015, 08:52:18 PM
I just canceled a delta card this offer has no 12 month language. How long should I wait to apply or I will not get the points anyways?
Personal or Business?
Title: Re: Misc Credit Card Questions
Post by: normaly2345 on October 08, 2015, 08:52:45 PM

Personal
Title: Re: Misc Credit Card Questions
Post by: TimT on October 08, 2015, 08:53:32 PM
Personal
Personal doesn't have 12 month language as its a 1-time bonus.
Title: Re: Misc Credit Card Questions
Post by: LoLo on October 09, 2015, 11:25:16 AM
Do amex biz cards show up on personal credit report, or are they the same as chase?
Title: Re: Misc Credit Card Questions
Post by: Ydad on October 09, 2015, 11:30:53 AM
Same as Chase. They don't show up.
Title: Re: Misc Credit Card Questions
Post by: LoLo on October 09, 2015, 11:49:36 AM
Same as Chase. They don't show up.
Thanks
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on October 11, 2015, 12:36:35 AM
is there a way for me to see which purchases were made by primary and which by additional user by chase? with amex this is a standard feature i just cant find a way for it to work at chase. and yes i tried putpac
Title: Re: Misc Credit Card Questions
Post by: Centro on October 11, 2015, 12:37:30 AM
is there a way for me to see which purchases were made by primary and which by additional user by chase? with amex this is a standard feature i just cant find a way for it to work at chase. and yes i tried putpac
You cannot, both cards share the same info.
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on October 11, 2015, 12:43:52 AM
You cannot, both cards share the same info.
completely and inexcusably frustrating
Title: Re: Misc Credit Card Questions
Post by: Ydad on October 11, 2015, 03:57:18 PM

is there a way for me to see which purchases were made by primary and which by additional user by chase? with amex this is a standard feature i just cant find a way for it to work at chase. and yes i tried putpac
Only the business cards can do that.
Title: Re: Misc Credit Card Questions
Post by: shie123 on October 11, 2015, 11:45:13 PM
I don'tknow if this question belongs here, But this is the best thread I found.
Does Amex do a hard pull for applying for a CD?
Title: Re: Misc Credit Card Questions
Post by: D93 on October 12, 2015, 03:46:58 AM
I don'tknow if this question belongs here, But this is the best thread I found.
Does Amex do a hard pull for applying for a CD?

CD?
Title: Re: Misc Credit Card Questions
Post by: Emkay on October 12, 2015, 03:49:05 AM
CD?
Certificate of deposit
Title: Re: Misc Credit Card Questions
Post by: shie123 on October 12, 2015, 04:36:44 PM
CD?
Certificate of deposit
+1
https://personalsavings.americanexpress.com/certificate-of-deposit-CD-accounts
Title: Re: Misc Credit Card Questions
Post by: shlonx on October 14, 2015, 06:22:20 PM
I'm going to get back a few hundred dollars from a car rental company that held it as a deposit, but I'm not planning to use that particular credit card anymore. Where will the money go if I have already paid off my bill?
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on October 14, 2015, 06:25:01 PM
I'm going to get back a few hundred dollars from a car rental company that held it as a deposit, but I'm not planning to use that particular credit card anymore. Where will the money go if I have already paid off my bill?
Call up and ask for a check
Title: Re: Misc Credit Card Questions
Post by: shlonx on October 14, 2015, 06:26:34 PM
Call up and ask for a check

Call the CC company?
Title: Re: Misc Credit Card Questions
Post by: voldemort on October 14, 2015, 06:41:12 PM
Call the CC company?
Yes. It will be a credit balance on your account. With Citi you can get a direct deposit as well,not sure about others.
Title: Re: Misc Credit Card Questions
Post by: CS91 on October 14, 2015, 10:03:30 PM
Yes. It will be a credit balance on your account. With Citi you can get a direct deposit as well,not sure about others.

IME, Chase and Amex only do checks.
Title: Re: Misc Credit Card Questions
Post by: etech0 on October 14, 2015, 10:27:54 PM
IME, Chase and Amex only do checks.
I've had Chase apply a credit balance towards what I owed on another card.
Title: Re: Misc Credit Card Questions
Post by: LoLo on October 14, 2015, 10:44:26 PM
I've had Chase apply a credit balance towards what I owed on another card.
+1, although they refused to do so when the credit was part of the welcome bonus.
Title: Re: Misc Credit Card Questions
Post by: username on October 14, 2015, 10:49:53 PM
I'm going to get back a few hundred dollars from a car rental company that held it as a deposit, but I'm not planning to use that particular credit card anymore. Where will the money go if I have already paid off my bill?
Unless you ask the rental co to do otherwise, it will go back on the card. If you have a credit on the card, call the number on the card and they will mai you a check. If you do nothing, i think they mai it automatically after 6 months, but may vary between issuers.
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on October 15, 2015, 12:26:40 AM
I'm going to get back a few hundred dollars from a car rental company that held it as a deposit, but I'm not planning to use that particular credit card anymore. Where will the money go if I have already paid off my bill?
Held or charged? Most likely if it was a hold the money was never added to your balance. If that's the case once they release the hold it will make no difference to you on a practical level.
Title: Re: Misc Credit Card Questions
Post by: shlonx on October 15, 2015, 07:56:43 AM
Thanks for your replies. Yes, it was charged, and was added to the balance. It's a Citi card, so I'll call them and see what they'll do. Thanks again.
Title: Re: Misc Credit Card Questions
Post by: d234 on October 15, 2015, 02:20:37 PM
HI.  I'm sure this question is answered somewhere but I have truly searched and not come up with a clear answer so SORRY in advance.
I'm trying to accumulate miles to travel to Isreal with a large family so id like the miles to be centered in one place.  Ive used up all the amex offers as well s the chase sapphire, and mileage plus.  looks to me that my best options remaining is investing in AA as well as avios.  I understand its the same allinace but what i cant seem to figure out is iff i have aa miles and bs miles will we be able to book tickets together. 
Hope this is clear and THANKS!
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on October 15, 2015, 02:26:38 PM
HI.  I'm sure this question is answered somewhere but I have truly searched and not come up with a clear answer so SORRY in advance.
I'm trying to accumulate miles to travel to Isreal with a large family so id like the miles to be centered in one place.  Ive used up all the amex offers as well s the chase sapphire, and mileage plus.  looks to me that my best options remaining is investing in AA as well as avios.  I understand its the same allinace but what i cant seem to figure out is iff i have aa miles and bs miles will we be able to book tickets together. 
Hope this is clear and THANKS!
You can use the different miles to book the same flights.
Title: Re: Misc Credit Card Questions
Post by: shlonx on October 15, 2015, 02:44:23 PM
UPDATE: I called Citi and they said they'll gladly write a cheque or give me a direct deposit once the money is posted back into my account. Thanks, everyone!
Title: Re: Misc Credit Card Questions
Post by: d234 on October 15, 2015, 03:58:01 PM
You can use the different miles to book the same flights.
Thru aa or ba? is it better to focus more on one than the other? thanks
Title: Re: Misc Credit Card Questions
Post by: shlonx on October 15, 2015, 07:53:23 PM
Can I get a Visa gift card, turn it into a debit card, then pay off my credit card bill with it?
Title: Re: Misc Credit Card Questions
Post by: mord1 on October 15, 2015, 08:05:09 PM
Can I get a Visa gift card, turn it into a debit card, then pay off my credit card bill with it?
A visa gift card is a debit card, you can load it onto a serve card and then pay your credit card bill
Title: Re: Misc Credit Card Questions
Post by: d234 on October 15, 2015, 10:34:24 PM
Any reccommendations which cards to start if im id like to accumulate ba and aa miles? Thanks
Title: Re: Misc Credit Card Questions
Post by: CS91 on October 15, 2015, 11:29:59 PM
Any reccommendations which cards to start if im id like to accumulate ba and aa miles? Thanks

http://www.dansdeals.com/archives/74301
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 15, 2015, 11:36:39 PM
A visa gift card is a debit card, you can load it onto a serve card and then pay your credit card bill
Don't try to load it online like a debit card, it'll freeze your account.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 16, 2015, 01:16:50 AM
I know this Q is out of place, but maybe someone can help me. I want to sell someone something but they can only pay by credit card. What is the cheapest way to charge their card that I get the least percentage taken off? PayPal? Thanks in advance!
Title: Re: Misc Credit Card Questions
Post by: yakrot on October 16, 2015, 01:36:35 AM
I know this Q is out of place, but maybe someone can help me. I want to sell someone something but they can only pay by credit card. What is the cheapest way to charge their card that I get the least percentage taken off? PayPal? Thanks in advance!
Pay pal? square? amazon local register?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 16, 2015, 02:16:53 AM
Pay pal? square? amazon local register?
You asking or telling?
Title: Re: Misc Credit Card Questions
Post by: my7168 on October 16, 2015, 10:18:09 AM
Are there any business credit cards that will let you apply for them with only a FEIN. I do not want to put in my SSN.
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on October 16, 2015, 10:23:49 AM
Are there any business credit cards that will let you apply for them with only a FEIN. I do not want to put in my SSN.
Pretty sure you would need an SSN at some point in application.
Title: Re: Misc Credit Card Questions
Post by: TimT on October 16, 2015, 10:42:17 AM
I haven't seen one yet.
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on October 16, 2015, 11:27:49 AM
I know this Q is out of place, but maybe someone can help me. I want to sell someone something but they can only pay by credit card. What is the cheapest way to charge their card that I get the least percentage taken off? PayPal? Thanks in advance!
IINM Amazon local register should be the lowest fees. DDMS had a post about it a while back.
Title: Re: Misc Credit Card Questions
Post by: Centro on October 16, 2015, 11:33:00 AM
I know this Q is out of place, but maybe someone can help me. I want to sell someone something but they can only pay by credit card. What is the cheapest way to charge their card that I get the least percentage taken off? PayPal? Thanks in advance!
Square is free for the first $1000.
Title: Re: Misc Credit Card Questions
Post by: shie123 on October 16, 2015, 01:51:25 PM
I was trying to get a retention offer for my Marriott rewards card.
So I pretended that I wanted to close it, the rep didn't ask me twice and just closed it, now I want to move out the credit line she says too late it's already closed.
Anything that I can do?
Title: Re: Misc Credit Card Questions
Post by: LoLo on October 16, 2015, 01:59:06 PM
I was trying to get a retention offer for my Marriott rewards card.
So I pretended that I wanted to close it, the rep didn't ask me twice and just closed it, now I want to move out the credit line she says too late it's already closed.
Anything that I can do?
I think they're able to reopen it within a certain timeframe, may require HUCA
Title: Re: Misc Credit Card Questions
Post by: yitrap on October 16, 2015, 04:11:35 PM

I think they're able to reopen it within a certain timeframe, may require HUCA
+1 and in the future you can just ask if there are any retention offers available
Title: Re: Misc Credit Card Questions
Post by: ydf on October 16, 2015, 04:24:09 PM
I think they're able to reopen it within a certain timeframe, may require HUCA
wow didnt know that, and what about a reversed story I once wanted to open a certain card but by mistake I submitted a app for the wrong card could I just ask them to close it right away like it was never opened?
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on October 16, 2015, 05:21:44 PM
wow didnt know that, and what about a reversed story I once wanted to open a certain card but by mistake I submitted a app for the wrong card could I just ask them to close it right away like it was never opened?
If your credit was already pulled its not "reversible". (Unless your credit was pulled mistakenly)
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 01:04:13 AM
Hi - was wondering what everyone does with cardmember agreements when you get them in the mail when you sign up for a new CC? Throw them out, store them in case you ever have a disagreement and want to sue, scan them and store them (if so, store them where?)... Would like to hear others views on all these paperwork stuff.
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on October 18, 2015, 01:06:02 AM
i dump them. they can all be found online
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 01:56:41 AM
i dump them. they can all be found online

That's what I want to do. Only prob is they can always change the one online to fix a mistake so you can't sue them... And you usually can only find the most updated version of them online...
Title: Re: Misc Credit Card Questions
Post by: LoLo on October 18, 2015, 02:26:02 AM
That's what I want to do. Only prob is they can always change the one online to fix a mistake so you can't sue them... And you usually can only find the most updated version of them online...
Actually,  Barclaycard told me today about a terms update from august, and it was nowhere to be found online, the online terms still stated the old terms.
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 11:02:21 AM
is having a cc and just not using it @ all bad for the score? Should I rather close it? I remember dan saying somewhere that its not good to have a card inactive
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 11:03:23 AM
is having a cc and just not using it @ all bad for the score? Should I rather close it? I remember dan saying somewhere that its not good to have a card inactive
Some banks will shut the account after a long time of inactivity.
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 11:13:00 AM
Some banks will shut the account after a long time of inactivity.
talking about amex? Would you suggest I should rather close it?
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 11:22:28 AM
talking about amex? Would you suggest I should rather close it?
I don't recall which banks. Is there any specific reason you keep them open ?
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 11:25:26 AM
I don't recall which banks. Is there any specific reason you keep them open ?
is it not bad for score to close a card?
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 11:26:47 AM
is it not bad for score to close a card?
http://www.dansdeals.com/archives/53213
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 11:34:13 AM

yes I have saw that already, but I always hear ppl saying that closing a card does hurt the score, so based on that link if  my credit utilization will stay low even after closing it it wont hurt my credit in any way if I close it?
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 11:37:45 AM
yes I have saw that already, but I always hear ppl saying that closing a card does hurt the score, so based on that link if  my credit utilization will stay low even after closing it it wont hurt my credit in any way if I close it?
If you're only keeping it open to preserve the credit line, then you could ask to have the CL moved over to a different card & then close it. If you wanna keep a card open its best to spend a few dollars on it every few months.
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 11:47:28 AM
If you're only keeping it open to preserve the credit line, then you could ask to have the CL moved over to a different card & then close it. If you wanna keep a card open its best to spend a few dollars on it every few months.
but if I dont need the credit line I can just close it and it wont hurt my credit in any way?
Title: Re: Misc Credit Card Questions
Post by: foseph on October 18, 2015, 11:49:36 AM
but if I dont need the credit line I can just close it and it wont hurt my credit in any way?
why not just drop $5 on amazon every few months
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 11:58:52 AM
why not just drop $5 on amazon every few months
I dont know how you ppl are doing that, but its hard to keep track every month to spend and pay multiple cc
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 11:59:44 AM
but if I dont need the credit line I can just close it and it wont hurt my credit in any way?
Losing the credit line will affect your score.
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 12:10:21 PM
Losing the credit line will affect your score.
in what way?even my utilization is not going up?
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 12:15:29 PM
in what way?even my utilization is not going up?
But you'll be using a greater percentage of your available CL.

$100/$2000= 5%
$100/$1000= 10%
Title: Re: Misc Credit Card Questions
Post by: foseph on October 18, 2015, 12:36:13 PM
I dont know how you ppl are doing that, but its hard to keep track every month to spend and pay multiple cc
First thing u do when u get a new cc is setuup as autopay
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on October 18, 2015, 01:13:56 PM
I don't recall which banks . Is there any specific reason you keep them open ?
Chase, after 24 months of no activity.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 02:59:27 PM
Q: Dan writes to pay down whole balance except $1 each month before statement closes. I try to do that but it doesn't work cuz pending charges get cleared after I pay even if I pay the day before it closes. How do you guys do that? Also- Dan says to leave $1 to show activity. If I keep leaving $1 how does that show activity. It would seem to the credit bureaus that it's the same dollar each time. No? Any clarification would be greatly appreciated. Thanks ;)
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 03:03:40 PM
Q: Dan writes to pay down whole balance except $1 each month before statement closes. I try to do that but it doesn't work cuz pending charges get cleared after I pay even if I pay the day before it closes. How do you guys do that? Also- Dan says to leave $1 to show activity. If I keep leaving $1 how does that show activity. It would seem to the credit bureaus that it's the same dollar each time. No? Any clarification would be greatly appreciated. Thanks ;)
If $1 doesn't work try $2 or $5. How could it be the same dollar if you paid it back last month ?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 03:26:33 PM
By doesn't work I meant it ends up closing with balance more than $1 and if j pay too much it'll be negative. Maybe it's the same $1 and CC company doesn't make me pay it down. Isn't that possible??
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 03:27:02 PM
If $1 doesn't work try $2 or $5. How could it be the same dollar if you paid it back last month ?
By doesn't work I meant it ends up closing with balance more than $1 and if j pay too much it'll be negative. Maybe it's the same $1 and CC company doesn't make me pay it down. Isn't that possible??
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 03:30:27 PM
If you only spent $1 your statement won't close with more than $1 balance.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on October 18, 2015, 03:31:05 PM
By doesn't work I meant it ends up closing with balance more than $1 and if j pay too much it'll be negative. Maybe it's the same $1 and CC company doesn't make me pay it down. Isn't that possible??
Pay after it clears before the statement  closes
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 03:34:11 PM
Q: Dan writes to pay down whole balance except $1 each month before statement closes. I try to do that but it doesn't work cuz pending charges get cleared after I pay even if I pay the day before it closes. How do you guys do that? Also- Dan says to leave $1 to show activity. If I keep leaving $1 how does that show activity. It would seem to the credit bureaus that it's the same dollar each time. No? Any clarification would be greatly appreciated. Thanks ;)
If $1 doesn't work try $2 or $5.
+1 I left once only $1 but I received my amex statement with a balance of $0 I looked in the credit summary and saw the $1 was credited do to "small balance write off purchase principle" (interesting) at least I have gained a solid $1  ;D
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 06:00:07 PM
Pay after it clears before the statement  closes

That could be a matter of hours. Items are constantly clearing and I don't know when the statement closes. I guess I just gotta do my best to pay whatever is cleared the night before it closes and hope there isn't too much that clears the next day before closing so that it shouldn't close with such a high balance. Agreed?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 06:01:13 PM
+1 I left once only $1 but I received my amex statement with a balance of $0 I looked in the credit summary and saw the $1 was credited do to "small balance write off purchase principle" (interesting) at least I have gained a solid $1  ;D

I don't understand what that means but lucky you! ;)
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 06:01:45 PM
If you only spent $1 your statement won't close with more than $1 balance.

I'm talking about my main CC I constantly use..
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 06:04:57 PM
I don't understand what that means but lucky you! ;)
I dont either! Its kinda of that because it was only $1 balance they are writing it off... Something like that
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 06:06:09 PM
I dont either! Its kinda of that because it was only $1 balance they are writing it off... Something like that

Yeh that much I got. What you gonna spend all that extra money on? ;););)
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 06:08:22 PM
Yeh that much I got. What you gonna spend all that extra money on? ;););)
savings account ;D
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 06:14:18 PM
Items are constantly clearing and I don't know when the statement closes.
You should be keeping track of that.
I guess I just gotta do my best to pay whatever is cleared the night before it closes and hope there isn't too much that clears the next day before closing so that it shouldn't close with such a high balance.
You don't wanna wait till the night before the statement closes to pay most of it off as it might not post till after the statement closes.
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 06:44:40 PM
I'm talking about my main CC I constantly use..
If you spent $1,000 on that card, pay off $999 (or $995) several days, or even weeks, before the statement closes.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on October 18, 2015, 06:44:52 PM
That could be a matter of hours. Items are constantly clearing and I don't know when the statement closes. I guess I just gotta do my best to pay whatever is cleared the night before it closes and hope there isn't too much that clears the next day before closing so that it shouldn't close with such a high balance. Agreed?
Sounds good
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 06:56:09 PM
If you spent $1,000 on that card, pay off $999 (or $995) several days, or even weeks, before the statement closes.

My payments are considered paid from the date I submit it online, no? That's how it works with this card of myn but that might be because it's a Chase Freedom and I'm paying from my Chase checking... When I say i constantly use it I mean I'm using 2 days, 1 day, and the very day that the statement closes. I don't think it's possible to know what will clear. If I overpay the statement will close with a negative balance and I don't think that's good either...
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 07:11:44 PM
When I say i constantly use it I mean I'm using 2 days, 1 day, and the very day that the statement closes.
You always need to use it the day its closing ? I'm a little confused there.
My payments are considered paid from the date I submit it online, no?
Might be considered paid but no guarantee that it posts before closing date.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 07:13:39 PM
You always need to use it the day its closing ? I'm a little confused there.Might be considered paid but no guarantee that it posts before closing date.

You're saying I should have a differen card that I use from 2-3 days before it closes?
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 07:16:10 PM
You're saying I should have a differen card that I use from 2-3 days before it closes?
If you want to guarantee that your statement closes with $1, then yes.
This is the only card you currently have ?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 07:19:47 PM
If you want to guarantee that your statement closes with $1, then yes.
This is the only card you currently have ?

No but it is the one I use for all my main spending. I don't like using a bunch of cards and having all my transactions over a bunch of different statements...
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 07:20:39 PM
If you want to guarantee that your statement closes with $1, then yes.
This is the only card you currently have ?
Just to clarify, this is what you do -use separate card for a few days for closing?
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 07:22:35 PM
Just to clarify, this is what you do -use separate card for a few days for closing?
Most people here are using more than 1 card a month.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 07:30:10 PM
Most people here are using more than 1 card a month.

Yeh I get that. But to you intentionally stop using each card a few days before closing so that it can close with a $1 balance?
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 18, 2015, 07:30:18 PM
Most people here are using more than 1 card a month.
A couple of us have more than one card, yes. And if you're not intensely playing the cc game, don't sweat eking out every last point on your credit score. Just use your credit card normally, pay your bills on time, don't think about it too much, and you'll have a great score regardless.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 07:32:30 PM
A couple of us have more than one card, yes. And if you're not playing the cc game, them don't sweat eking out every last point on your credit score. Just use it normally, pay your bills on time, don't think about it too much, and you'll have a great score regardless.

Yeh that's what I do. I just wanted clarification if I'm missing the point when Dan wrote in the FAQs that you should have it close with a $1 balance. I didn't see how that was easily possible...
Title: Re: Misc Credit Card Questions
Post by: TimT on October 18, 2015, 07:33:56 PM
Yeh I get that. But to you intentionally stop using each card a few days before closing so that it can close with a $1 balance?
Personally I don't make sure to only have $1 left. I just make sure not to leave high balances. My score is high enough that I don't care a few points one way or the other.
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 18, 2015, 07:35:18 PM
Yeh that's what I do. I just wanted clarification if I'm missing the point when Dan wrote in the FAQs that you should have it close with a $1 balance. I didn't see how that was easily possible...
Anything is possible. Whether it's worth it is another question. I have one card i use when i go to the mikva erev shabbos mevorchim. This way I know I'm spending exactly $3 a month on it.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 07:37:26 PM
Personally I don't make sure to only have $1 left. I just make sure not to leave high balances. My score is high enough that I don't care a few points one way or the other.

Yeh that's what I do and think I'll continue doing so as not to make things to complicated.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 07:37:41 PM
Anything is possible. Whether it's worth it is another question. I have one card i use when i go to the mikva erev shabbos mevorchim. This way I know I'm spending exactly $3 a month on it.

Lol.
Title: Re: Misc Credit Card Questions
Post by: yitzy93 on October 18, 2015, 07:39:01 PM
Anything is possible. Whether it's worth it is another question. I have one card i use when i go to the mikva erev shabbos mevorchim. This way I know I'm spending exactly $3 a month on it.
Is that how often you go to mikva, or how often you use it? ;)
(Sorry for going OT)
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on October 18, 2015, 08:29:30 PM
Is that how often you go to mikva, or how often you use it? ;)
(Sorry for going OT)
Why the heck would that make any difference?
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 18, 2015, 08:31:34 PM
Is that how often you go to mikva, or how often you use it? ;)
(Sorry for going OT)
How often i use it.
Title: Re: Misc Credit Card Questions
Post by: yitzy93 on October 18, 2015, 08:32:58 PM
Why the heck would that make any difference?
I was joking! Duh...
Title: Re: Misc Credit Card Questions
Post by: ydf on October 18, 2015, 08:33:41 PM
Yeh I get that. But to you intentionally stop using each card a few days before closing so that it can close with a $1 balance?
the poins is not to close with $1 its basically you should close with a very low utilization it wont make a big difference if you close with $1 or $5 or $10 just keep it low   
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 18, 2015, 09:10:14 PM
the poins is not to close with $1 its basically you should close with a very low utilization it wont make a big difference if you close with $1 or $5 or $10 just keep it low

Thank you!
Title: Re: Misc Credit Card Questions
Post by: ckmk47 on October 18, 2015, 11:50:20 PM
This is the long explanation of the $1 balance left. (More than 1 of my (adult) kids didn't get it on the short version.
When you spend $500 in January, the bill comes (lets say) jan 31 and it has to be paid by Feb 25.  You keep spending on the card in Feb.  This new $800 spending will be billed on feb 28, and has to be paid by March 25. 
But when the bill closes on feb 25, even though only the jan spending of $500 is due, you don't want the new $800 balance sitting there using up a large % of your credit line.  So you pay most of it at the end of the month in which you spent it. Even though the payment is not yet due.
Title: Re: Misc Credit Card Questions
Post by: ckmk47 on October 18, 2015, 11:53:27 PM
Personally I don't leave $1.  I leave whatever odd amount is 1% of my credit line.
If I have a 'current balance' of  $1234.56, I may pay $1200 or $1230.  Leaving a small balance to be paid by auto pay on the due date.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 19, 2015, 12:28:12 AM
Personally I don't leave $1.  I leave whatever odd amount is 1% of my credit line.
If I have a 'current balance' of  $1234.56, I may pay $1200 or $1230.  Leaving a small balance to be paid by auto pay on the due date.

So you pay your approximate current balance and then have autopay do everything that's left minus 1%?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 19, 2015, 12:29:09 AM
Q: how many Chase UR points is one Starpoint worth?
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on October 19, 2015, 12:30:14 AM
Q: how many Chase UR points is one Starpoint worth?
Apples and oranges
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 19, 2015, 12:33:32 AM
Apples and oranges

lol. What I mean is that Starpoints are more valuable than Chase UR but how much more? If I can 5 Chase per dollar on Amazon and 1 Starpoint per dollar, which is better?
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 19, 2015, 12:37:13 AM
lol. What I mean is that Starpoints are more valuable than Chase UR but how much more? If I can 5 Chase per dollar on Amazon and 1 Starpoint per dollar, which is better?
5xUR. Not even a question. (To put things in  perspective, you can currently transfer MR to SPG at a 2:1 ratio. UR is often regarded as more valuable than MR.)
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on October 19, 2015, 12:37:35 AM
lol. What I mean is that Starpoints are more valuable than Chase UR but how much more? If I can 5 Chase per dollar on Amazon and 1 Starpoint per dollar, which is better?
5 UR by a long shot
Title: Re: Misc Credit Card Questions
Post by: coralsnake on October 19, 2015, 12:40:34 AM
Why is it that sometimes Amex lets me go over my CL on my SPG Biz and other times they give me a hard time?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 19, 2015, 01:02:39 AM
5xUR. Not even a question. (To put things in  perspective, you can currently transfer MR to SPG at a 2:1 ratio. UR is often regarded as more valuable than MR.)

Not sure I understand you cheshbon. 2 MR = 1 SPG. And UR is worth more than MR so it would take less than 2 UR to get a SPG point? That would make SPG more valuable. No?
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 19, 2015, 01:04:06 AM
Not sure I understand you cheshbon. 2 MR = 1 SPG. And UR is worth more than MR so it would take less than 2 UR to get a SPG point? That would make SPG more valuable. No?
That would make 5 UR points much more valuable than one spg point.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 19, 2015, 01:12:22 AM
That would make 5 UR points much more valuable than one spg point.

Ok got it but 1 SPG is better than 1 ur correct?
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 19, 2015, 01:12:38 AM
Ok got it but 1 SPG is better than 1 ur correct?
Correct
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 19, 2015, 01:14:02 AM
Correct
thankss!!
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 19, 2015, 01:15:06 AM
Q: anyone know where instruction on how to move up ranks on DDF are listed? I'm non-elite :(
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 19, 2015, 01:20:42 AM
Q: anyone know where instruction on how to move up ranks on DDF are listed? I'm non-elite :(
You're elite now! Rank goes by post count. Posts in all threads but just schmooze threads count to determine your rank. It doesn't really mean anything.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 19, 2015, 01:24:15 AM
You're elite now! Rank goes by post count. Posts in all threads but just schmooze threads count to determine your rank. It doesn't really mean anything.
lol I noticed right after I posted that I was elite. I guess 30 posts is the first level. Thanks ;)
Title: Re: Misc Credit Card Questions
Post by: TimT on October 19, 2015, 07:24:41 AM
lol I noticed right after I posted that I was elite. I guess 30 posts is the first level. Thanks ;)
25 is the 1st level
http://forums.dansdeals.com/index.php?topic=1354.0
Title: Re: Misc Credit Card Questions
Post by: ChaimMoskowitz on October 19, 2015, 09:25:47 AM
Q: how many Chase UR points is one Starpoint worth?
1.2 (ballpark)
Title: Re: Misc Credit Card Questions
Post by: shie123 on October 19, 2015, 09:41:07 AM
I think they're able to reopen it within a certain timeframe, may require HUCA
Thanks, Done right away via Sm
Title: Re: Misc Credit Card Questions
Post by: shie123 on October 19, 2015, 09:46:21 AM
I don'tknow if this question belongs here, But this is the best thread I found.
Does Amex do a hard pull for applying for a CD?
BUMP
Title: Re: Misc Credit Card Questions
Post by: LoLo on October 19, 2015, 10:09:40 AM
BUMP
Why don't you PUTPAC?
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on October 19, 2015, 10:12:00 AM
BUMP
There was a link to a list of all banks and what kind of pulls they do. It was posted about 2 weeks ago, will see if I can find it and post it.
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on October 19, 2015, 10:13:33 AM
Found it:

http://www.bankcheckingsavings.com/hard-pull-or-soft-pull-for-opening-a-bank-account/
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 19, 2015, 10:14:47 AM
There was a link to a list of all banks and what kind of pulls they do. It was posted about 2 weeks ago, will see if I can find it and post it.
GIYF. DoC has a list, as do others.
ETA: i see you found it.
Title: Re: Misc Credit Card Questions
Post by: Amusch on October 20, 2015, 05:25:38 PM
Not sure if this is the right thread.
I recently got a Delta card and an SPG card. Both first payments hit over Sukkos before I had set up an autopay (mussar haskel on procrastinating, I know), so I got hit with late fee/interest. My question is whether I can ask each card for a one-time courtesy or will they see that I have the same issue on two separate AMEX cards. I succeeded today in getting the Delta fees waived, and was wondering if I should: a)rush to call SPG before the refund posts, or b)if they'll know I called Delta anyway, or c)they won't know I called Delta anyway.
Thoughts?
THanks.
Title: Re: Misc Credit Card Questions
Post by: TimT on October 20, 2015, 05:27:59 PM
Not sure if this is the right thread.
I recently got a Delta card and an SPG card. Both first payments hit over Sukkos before I had set up an autopay (mussar haskel on procrastinating, I know), so I got hit with late fee/interest. My question is whether I can ask each card for a one-time courtesy or will they see that I have the same issue on two separate AMEX cards. I succeeded today in getting the Delta fees waived, and was wondering if I should: a)rush to call SPG before the refund posts, or b)if they'll know I called Delta anyway, or c)they won't know I called Delta anyway.
Thoughts?
THanks.
IMO they won't necessarily see you got on the other card. When you give your 15 digit cc# they open that account.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 20, 2015, 07:01:28 PM
Not sure if this is the right thread.
I recently got a Delta card and an SPG card. Both first payments hit over Sukkos before I had set up an autopay (mussar haskel on procrastinating, I know), so I got hit with late fee/interest. My question is whether I can ask each card for a one-time courtesy or will they see that I have the same issue on two separate AMEX cards. I succeeded today in getting the Delta fees waived, and was wondering if I should: a)rush to call SPG before the refund posts, or b)if they'll know I called Delta anyway, or c)they won't know I called Delta anyway.
Thoughts?
THanks.

If I were you I would have asked for both at the same time for the same reason - the truth- it was over you holiday...
Title: Re: Misc Credit Card Questions
Post by: Centro on October 20, 2015, 10:48:09 PM
When Amex writes "closing date Oct 21" is that the last day of the bill or the 1st day on the new bill?
Title: Re: Misc Credit Card Questions
Post by: TimT on October 20, 2015, 10:51:13 PM
When Amex writes "closing date Oct 21" is that the last day of the bill or the 1st day on the new bill?
Last day
Title: Re: Misc Credit Card Questions
Post by: shie123 on October 20, 2015, 11:02:25 PM
Found it:

http://www.bankcheckingsavings.com/hard-pull-or-soft-pull-for-opening-a-bank-account/
Thanks, Though he doesn't write anything for Amex.
Title: Re: Misc Credit Card Questions
Post by: teetle on October 21, 2015, 09:44:22 PM
It could be that this is the wrong thread but I can't find the right one.
If you want to reach a spending threhold what will happen if you tell your Friend to bid for you item on ebay for a lot of cash, and then he will use you cc au that doesent have even the same name will that work?
Title: Re: Misc Credit Card Questions
Post by: coralsnake on October 21, 2015, 09:48:15 PM
It could be that this is the wrong thread but I can't find the right one.
If you want to reach a spending threhold what will happen if you tell your Friend to bid for you item on ebay for a lot of cash, and then he will use you cc au that doesent have even the same name will that work?
Then you will lose a lot of money in commissions.
Title: Re: Misc Credit Card Questions
Post by: shie123 on October 21, 2015, 10:30:23 PM
It could be that this is the wrong thread but I can't find the right one.
If you want to reach a spending threhold what will happen if you tell your Friend to bid for you item on ebay for a lot of cash, and then he will use you cc au that doesent have even the same name will that work?
So your question is if using an AU's cc works for Spending threshold.
The answer is yes.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on October 21, 2015, 10:59:52 PM
So your question is if using an AU's cc works for Spending threshold.
The answer is yes.
Using AU's work but his example on how to meet the threshold

Then you will lose a lot of money in commissions.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 21, 2015, 11:31:10 PM
It could be that this is the wrong thread but I can't find the right one.
If you want to reach a spending threhold what will happen if you tell your Friend to bid for you item on ebay for a lot of cash, and then he will use you cc au that doesent have even the same name will that work?

Use square or Amazon local register and Amex Serve card to meet spending thresholds. Cheaper than eBay commission on sales I think.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on October 21, 2015, 11:34:26 PM
Use square or Amazon local register and Amex Serve card to meet spending thresholds. Cheaper than eBay commission on sales I think.
Be careful with square if its the same address they will freeze your account (not fun trying to make your funds accessible) and/or ban you
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 21, 2015, 11:49:57 PM
Be careful with square if its the same address they will freeze your account (not fun trying to make your funds accessible) and/or ban you
meaning same square account address and cc billing address?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on October 21, 2015, 11:53:04 PM
meaning same square account address and cc billing address?
Yup
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 21, 2015, 11:54:17 PM
It could be that this is the wrong thread but I can't find the right one.
If you want to reach a spending threhold what will happen if you tell your Friend to bid for you item on ebay for a lot of cash, and then he will use you cc au that doesent have even the same name will that work?
EBay charges 10% on sales, plus you pay PayPal a 2.9%+$0.30 a transaction. That's about the worst MS rate i can think of. You can just send your friend the money via Paypal (for almost the same rate as square, if you're not using the free processing), and save 10% (although 2.9% is pretty expensive for MS).
Title: Re: Misc Credit Card Questions
Post by: ckmk47 on October 21, 2015, 11:56:32 PM
To meet a spending threshold:
It doesn't have to be done on the 1st day.
Keep your eyes open for every large cc opportunity.
If you're approaching the deadline buy Visa (or MC) Gift Cards.  The largest you can find. (Usually $500 in supermarkets) Even though you're not getting bonus spending points, you're getting your bonus so it's worth the fees.  Then use the cards over time instead of cc's.


(In NY, National Grid allows a $600 payment for only $2.50. I've been known to prepay my winter heating bill in early fall.)
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 22, 2015, 12:43:37 AM
EBay charges 10% on sales, plus you pay PayPal a 2.9%+$0.30 a transaction. That's about the worst MS rate i can think of. You can just send your friend the money via Paypal (for almost the same rate as square, if you're not using the free processing), and save 10% (although 2.9% is pretty expensive for MS).
how do you send your friend money through PayPal with Cc?
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 22, 2015, 12:44:31 AM
how do you send your friend money through PayPal with Cc?
Go to PayPal, send money, and select credit card as source.
Title: Re: Misc Credit Card Questions
Post by: Zalc on October 28, 2015, 11:48:09 AM
How long after account opening will chase and amex report new accounts (not pulls) to all 3 bureaus?
Title: Re: Misc Credit Card Questions
Post by: LoLo on October 28, 2015, 11:54:24 AM
How long after account opening will chase and amex report new accounts (not pulls) to all 3 bureaus?
Usually when first statement closes.
Title: Re: Misc Credit Card Questions
Post by: Amusch on October 29, 2015, 10:50:50 PM
Quote
Not sure if this is the right thread.
I recently got a Delta card and an SPG card. Both first payments hit over Sukkos before I had set up an autopay (mussar haskel on procrastinating, I know), so I got hit with late fee/interest. My question is whether I can ask each card for a one-time courtesy or will they see that I have the same issue on two separate AMEX cards. I succeeded today in getting the Delta fees waived, and was wondering if I should: a)rush to call SPG before the refund posts, or b)if they'll know I called Delta anyway, or c)they won't know I called Delta anyway.
Thoughts?
THanks.

Quote
IMO they won't necessarily see you got on the other card. When you give your 15 digit cc# they open that account.

UPDATE: You are correct. Called them both (a few days apart) and they both gave refunded fee/interest. Thanks!
Title: Re: Misc Credit Card Questions
Post by: ydf on October 30, 2015, 11:05:43 AM
how long after hitting the spending threshold is amex giving the bonus points? Do I have to wait for the statement to close first?
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on October 30, 2015, 11:07:15 AM
how long after hitting the spending threshold is amex giving the bonus points? Do I have to wait for the statement to close first?

No.
Title: Re: Misc Credit Card Questions
Post by: TimT on October 30, 2015, 11:08:59 AM
how long after hitting the spending threshold is amex giving the bonus points? Do I have to wait for the statement to close first?
A few days IME
Title: Re: Misc Credit Card Questions
Post by: ydf on October 30, 2015, 11:19:23 AM
No.
how long should it usually take? Anyway to expedite it?
Title: Re: Misc Credit Card Questions
Post by: ydf on October 30, 2015, 11:20:31 AM
A few days IME
thanks
Title: Re: Misc Credit Card Questions
Post by: username on October 30, 2015, 11:59:02 AM
how long should it usually take? Anyway to expedite it?
I believe you can chat/call and ask them to expedite them, like if you want to book a ticket and are afraid availability will be gone if you wait...
Title: Re: Misc Credit Card Questions
Post by: ydf on October 30, 2015, 12:53:33 PM
I believe you can chat/call and ask them to expedite them, like if you want to book a ticket and are afraid availability will be gone if you wait...
on the phone they say that they cant expedite it it should take between 6-8 weeks.....
Title: Re: Misc Credit Card Questions
Post by: TimT on October 30, 2015, 12:57:10 PM
on the phone they say that they cant expedite it it should take between 6-8 weeks.....
Bonus points or regular points ?
Title: Re: Misc Credit Card Questions
Post by: David Smith on October 30, 2015, 12:59:39 PM
I have a few bonus points pending for over 6 weeks. Should i nudge them along?
Title: Re: Misc Credit Card Questions
Post by: ydf on October 30, 2015, 01:05:34 PM
Bonus points or regular points ?
talking about bonus points anyway to expedite it?
Title: Re: Misc Credit Card Questions
Post by: CS91 on October 30, 2015, 01:13:32 PM
talking about bonus points anyway to expedite it?

You can call them and ask them to push the points through because you want to use them. Worked for me a few weeks ago.
Title: Re: Misc Credit Card Questions
Post by: ydf on October 30, 2015, 01:15:17 PM
You can call them and ask them to push the points through because you want to use them. Worked for me a few weeks ago.
who should I call regular amex cs?
Title: Re: Misc Credit Card Questions
Post by: CS91 on October 30, 2015, 01:16:27 PM
who should I call regular amex cs?

Yup
Title: Re: Misc Credit Card Questions
Post by: ydf on October 30, 2015, 01:20:30 PM
Yup
thanks
Title: Re: Misc Credit Card Questions
Post by: nw6158 on October 30, 2015, 04:22:59 PM
Anyone ever add Additional Users via Amex chat? I don't want to give SS numbers so can't do online form.. Also, sometimes even if you don't give SS it gets onto the persons credit report (I've had that with Chase Freedom). Is there any way to make that not happen? Would you recommend making up a name of someone that doesn't live at your address for the AU so that it shouldn't get into their credit report? Thanks ;)
Title: Re: Misc Credit Card Questions
Post by: LoLo on October 30, 2015, 04:27:29 PM
thanks
If it doesn't work, try chat.
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 01, 2015, 02:31:45 AM
Anyone ever add Additional Users via Amex chat? I don't want to give SS numbers so can't do online form.. Also, sometimes even if you don't give SS it gets onto the persons credit report (I've had that with Chase Freedom). Is there any way to make that not happen? Would you recommend making up a name of someone that doesn't live at your address for the AU so that it shouldn't get into their credit report? Thanks ;)
I don't think anyone will "recommend" you do that. That's something you'll need to decide on your own if its worth doing
Title: Re: Misc Credit Card Questions
Post by: ydf on November 01, 2015, 11:56:47 AM
on the edp card where you get %50 bonus for 30 purchases a month will I also get that %50 bonus on top of the signup bonus points I receive?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 01, 2015, 11:59:05 AM
on the edp card where you get %50 bonus for 30 purchases a month will I also get that %50 bonus on top of the signup bonus points I receive?
The signup bonus has got nothing to do with the 30 purchases per month.
Title: Re: Misc Credit Card Questions
Post by: ydf on November 01, 2015, 12:07:43 PM
The signup bonus has got nothing to do with the 30 purchases per month.
just to make sure my question was if i"ll get 15k bonus from 30 purchases if I got 30k signup bonus?
Title: Re: Misc Credit Card Questions
Post by: ChaimMoskowitz on November 01, 2015, 12:09:56 PM
who should I call regular amex cs?
MR dept.
Title: Re: Misc Credit Card Questions
Post by: TimT on November 01, 2015, 12:13:43 PM
just to make sure my question was if i"ll get 15k bonus from 30 purchases if I got 30k signup bonus?
The 50% isn't on the signup bonus, its on how much you spent that month.
Instead of 1 ppd it'll be 1.5
Instead of 3 ppd it'll be 4.5
Title: Re: Misc Credit Card Questions
Post by: ydf on November 01, 2015, 12:45:16 PM
MR dept.
thanks anyone has the mr number?
Title: Re: Misc Credit Card Questions
Post by: Dr Moose on November 01, 2015, 12:53:41 PM
thanks anyone has the mr number?
800-297-3276
Title: Re: Misc Credit Card Questions
Post by: ydf on November 01, 2015, 01:06:27 PM

thanks
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 01, 2015, 02:30:21 PM
I don't think anyone will "recommend" you do that. That's something you'll need to decide on your own if its worth doing
Recommend was the wrong word - sorry - I meant: has anyone ever done that (request card on made up name) because when they used real name without SS number it affected that persons credit?
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 01, 2015, 02:48:04 PM
Recommend was the wrong word - sorry - I meant: has anyone ever done that (request card on made up name) because when they used real name without SS number it affected that persons credit?
Yes people have done that
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 01, 2015, 04:11:12 PM
Yes people have done that

Thanks, and for the same reason as I mentioned? Anyone ever have success through chat or only phone?
Title: Re: Misc Credit Card Questions
Post by: compddd on November 02, 2015, 10:12:44 AM
If I am doing multiple Amex apps, do I have to submit them all at once for a successful 3BM? Or can I space out the apps a few minutes each?
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on November 02, 2015, 10:17:19 AM
If I am doing multiple Amex apps, do I have to submit them all at once for a successful 3BM? Or can I space out the apps a few minutes each?

That
Title: Re: Misc Credit Card Questions
Post by: compddd on November 02, 2015, 11:49:16 AM
Can I call Amex if I got the "Please check back on this site in 24 hours" on my application?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 02, 2015, 11:50:17 AM
Can I call Amex if I got the "Please check back on this site in 24 hours" on my application?
If the application went through you could call.
Title: Re: Misc Credit Card Questions
Post by: compddd on November 02, 2015, 11:51:28 AM
Yeah it went through and said we will process it within 14 days. Then on the amex/appstatus.com it says

"Please check back on this site in 24 hours"
Title: Re: Misc Credit Card Questions
Post by: D93 on November 02, 2015, 12:35:56 PM
Yeah it went through and said we will process it within 14 days. Then on the amex/appstatus.com it says

"Please check back on this site in 24 hours"
You can call
Title: Re: Misc Credit Card Questions
Post by: yoyo414 on November 02, 2015, 12:48:10 PM
If I bought gift cards from Walmart using my Amex blue cash preferred, would I get the 6% back??
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 02, 2015, 03:13:08 PM
What’s best practice when it comes to registering Amex card online accounts? I’m a bit courses. Every single card (each primary and each secondary) a separate login is best? Or are there certain deals that are better if they’re in the same account?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 02, 2015, 03:14:42 PM
I haven't heard of better deals in the same login.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 02, 2015, 03:22:53 PM
I haven't heard of better deals in the same login.

Ok thanks! So I'll make each card a separate login. It's simplest that way...
No multiple tabs necessary...
Title: Re: Misc Credit Card Questions
Post by: TimT on November 02, 2015, 03:34:15 PM
"Simplest way" probably depends on how many cards you have. just make sure to keep track of all those usernames & passwords.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 02, 2015, 04:28:29 PM
"Simplest way" probably depends on how many cards you have. just make sure to keep track of all those usernames & passwords.
I don't have that much but it's definitely worth it in the long run with all the Amex offers. Safari remembers all of them for me :)
Title: Re: Misc Credit Card Questions
Post by: ckmk47 on November 03, 2015, 11:19:24 AM
I don't have that much but it's definitely worth it in the long run with all the Amex offers. Safari remembers all of them for me :)
write them down also. 
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 03, 2015, 01:36:43 PM
"Simplest way" probably depends on how many cards you have. just make sure to keep track of all those usernames & passwords.
You can make it very simple, just use your first name(or any thing easy for you to remember)and add the last 5 of the card number for the user ID, and the password can be all the same.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 03, 2015, 02:46:37 PM
You can make it very simple, just use your first name(or any thing easy for you to remember)and add the last 5 of the card number for the user ID, and the password can be all the same.
Is there any simpler way to group them other than separate login for each card? Of course, in a way that you can still take advantage of all the Amex offers..
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 03, 2015, 02:53:42 PM
Is there any simpler way to group them other than separate login for each card? Of course, in a way that you can still take advantage of all the Amex offers..
Not unless you want to domultiple tabs each time.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 03, 2015, 03:21:15 PM
Not unless you want to domultiple tabs each time.
Ok great so I like my plan. Makes things a lot easier with the Small Business November offer viaDans links...
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 03, 2015, 11:05:42 PM
Ok great so I like my plan. Makes things a lot easier with the Small Business November offer viaDans links...
Keep it mind that there is a very good chance that newer cards still won't get it, even with their own login.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 03, 2015, 11:06:52 PM
Keep it mind that there is a very good chance that newer cards still won't get it, even with their own login.
Yeh I know thanks!!
Title: Re: Misc Credit Card Questions
Post by: yitrap on November 04, 2015, 07:40:14 AM
AFAF is there any difference to credit score between bill closing at high amount and carrying the balance from month to month?
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 04, 2015, 08:20:12 AM
AFAF is there any difference to credit score between bill closing at high amount and carrying the balance from month to month?
Don't think so
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on November 05, 2015, 11:48:52 PM
i have an additional user on one of my cc that actually uses his card. he recently went over the credit limit and it therefore reflected badly on my credit report. how is that possible? doesnt the card get frozen when the limit is reached?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 05, 2015, 11:50:46 PM
i have an additional user on one of my cc that actually uses his card. he recently went over the credit limit and it therefore reflected badly on my credit report. how is that possible? doesnt the card get frozen when the limit is reached?
Not necessarily. It would reflect bad even at 100% utilization. What card ?
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on November 05, 2015, 11:51:13 PM
which hotel gives the most value for its points when transferred from ur or mr? ive seen the ratios and the points needed for redemption are for the most part relative to the ratio. is there a consensus as to which hotel currency gives the most bang for the buck (point)?
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on November 05, 2015, 11:51:35 PM
Not necessarily. It would reflect bad even at 100% utilization. What card ?
sapphire
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 06, 2015, 12:51:12 AM
which hotel gives the most value for its points when transferred from ur or mr? ive seen the ratios and the points needed for redemption are for the most part relative to the ratio. is there a consensus as to which hotel currency gives the most bang for the buck (point)?
Sell the UR/MR and use the money to book a hotel
Title: Re: Misc Credit Card Questions
Post by: D93 on November 06, 2015, 12:51:30 AM
i have an additional user on one of my cc that actually uses his card. he recently went over the credit limit and it therefore reflected badly on my credit report. how is that possible? doesnt the card get frozen when the limit is reached?
Not always.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 06, 2015, 12:52:29 AM
which hotel gives the most value for its points when transferred from ur or mr? ive seen the ratios and the points needed for redemption are for the most part relative to the ratio. is there a consensus as to which hotel currency gives the most bang for the buck (point)?
Hyatt
Title: Re: Misc Credit Card Questions
Post by: coralsnake on November 06, 2015, 08:42:06 AM
Hyatt
Easily
Title: Re: Misc Credit Card Questions
Post by: zlt123 on November 06, 2015, 10:57:37 AM
what is the sign up bonus now on the reg. evryday amex card?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 06, 2015, 10:58:20 AM
what is the sign up bonus now on the reg. evryday amex card?
25k in incognito
Title: Re: Misc Credit Card Questions
Post by: zlt123 on November 06, 2015, 11:01:38 AM
what should i do if i signd up today with only a 15k bonus?
Title: Re: Misc Credit Card Questions
Post by: Feivish on November 06, 2015, 01:43:06 PM
25k in incognito
Did not work for in the past few days. Can you check and verify if still works for you?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 06, 2015, 01:45:04 PM
Did not work for in the past few days. Can you check and verify if still works for you?
http://forums.dansdeals.com/index.php?topic=55500.msg1309257#msg1309257
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 06, 2015, 01:49:51 PM
what should i do if i signd up today with only a 15k bonus?

You could try to call but didn't work for me. They didn't even want to give me any MR out of goodwill.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 07, 2015, 11:16:33 AM
what should i do if i signd up today with only a 15k bonus?
Spend $1k with in 3 months and enjoy the 15k MR.
Title: Re: Misc Credit Card Questions
Post by: dealfinder85 on November 07, 2015, 06:09:40 PM
Got a code for citi advantage platinum MasterCard 60k. Is that worth going after
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 08, 2015, 01:02:09 AM
Got a code for citi advantage platinum MasterCard 60k. Is that worth going after
IMO Yes.

How much spend? And is the AF waived the first year?
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 08, 2015, 01:19:45 AM
Does United Mileage Plus card give a free a suitcase on AC flights?
Title: Re: Misc Credit Card Questions
Post by: Aron27 on November 08, 2015, 01:33:07 AM
Does United Mileage Plus card give a free a suitcase on AC flights?
No
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 08, 2015, 04:24:07 AM
AFAF is there any difference to credit score between bill closing at high amount and carrying the balance from month to month?
There's not a difference is your score, but there is a difference on a manual review.  Especially if making minimum payments only.
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 08, 2015, 04:25:00 AM
Got a code for citi advantage platinum MasterCard 60k. Is that worth going after
The 50K AA Pt is a good deal.  60K would be great, and maybe the highest I've seen.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 08, 2015, 05:13:12 AM
Got a code for citi advantage platinum MasterCard 60k. Is that worth going after
How much spend?
Title: Re: Misc Credit Card Questions
Post by: dealfinder85 on November 08, 2015, 05:43:12 AM
How much spend?
3k 3 months AF waived first year
I signed up last night
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 08, 2015, 05:48:47 AM
3k 3 months AF waived first year
I signed up last night
That's a great deal.  I just received a 50K CitiBiz AA Pt, now I have to call and get them to match  ;D
Title: Re: Misc Credit Card Questions
Post by: dealfinder85 on November 08, 2015, 05:49:16 AM
That's a great deal.  I just received a 50K CitiBiz AA Pt, now I have to call and get them to match  ;D
Your welcome :)
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 08, 2015, 06:04:29 AM
Your welcome :)

After you've had the personal AA Pt for a couple months, call up and ask for the retention department.   They will give you some kind of spend offer.  I recently got 1,000 bonus AA miles for every month I spend $1,000 minimum on the card for 6 months. 

Unless you're just going to bank the miles and shut it down for the churn of course.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 08, 2015, 06:14:34 AM
Unless you're just going to bank the miles and shut it down for the churn of course.
That would be a horrible way to churn the card, by closing it, you will need to wait 18 months until you can churn it. You are better off waiting a couple months until they convert the W to WE and then you can churn the W without the 18 month wait.
Title: Re: Misc Credit Card Questions
Post by: dealfinder85 on November 08, 2015, 06:21:25 AM
That would be a horrible way to churn the card, by closing it, you will need to wait 18 months until you can churn it. You are better off waiting a couple months until they convert the W to WE and then you can churn the W without the 18 month wait.
What's the W And WE?
And do you guys also have little kids, why else you up
Title: Re: Misc Credit Card Questions
Post by: TimT on November 08, 2015, 06:23:02 AM
And do you guys also have little kids, why else you up
Look at his location
Title: Re: Misc Credit Card Questions
Post by: dealfinder85 on November 08, 2015, 06:24:04 AM
Look at his location
What about you and pillan
And how do I know if d93 is in Philly or tlv
Title: Re: Misc Credit Card Questions
Post by: TimT on November 08, 2015, 06:28:50 AM
And how do I know if d93 is in Philly or tlv
Just gotta keep checking this (http://forums.dansdeals.com/index.php?topic=17387.0) thread :)
Title: Re: Misc Credit Card Questions
Post by: ChaimMoskowitz on November 08, 2015, 06:29:28 AM
And do you guys also have little kids, why else you up
Can't sleep and before the wise cracks start no I am not at work.
Title: Re: Misc Credit Card Questions
Post by: TimT on November 08, 2015, 06:31:59 AM
Can't sleep and before the wise cracks start no I am not at work.
Gonna do some of this ?
Need to go make some money.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 08, 2015, 06:33:37 AM
What's the W And WE?
World and World Elite
Title: Re: Misc Credit Card Questions
Post by: ChaimMoskowitz on November 08, 2015, 06:34:34 AM
Gonna do some of this ?
Just the stuff from my computer. The other I am going to have to wait a few hours. All stores should be 24/7.  >:(
Title: Re: Misc Credit Card Questions
Post by: Maxdeck123 on November 08, 2015, 12:55:37 PM
posting a similar question from a different thread, thought this is a more apropos to this topic:

I want to get an amex card. I thought if im going to incur a pull why not apply via the 2/3/4BM and try to get more. Is this a good idea which is a good combination...i was thinking an everyday, gold or platnium?

also, if i get the platnium get the SUB and cancel the card within 60 days can i keep the points?

Thanks guys!
Title: Re: Misc Credit Card Questions
Post by: D93 on November 08, 2015, 12:57:37 PM
posting a similar question from a different thread, thought this is a more apropos to this topic:

I want to get an amex card. I thought if im going to incur a pull why not apply via the 2/3/4BM and try to get more. Is this a good idea which is a good combination...i was thinking an everyday, gold or platnium?
Why not do all 3?

Quote
also, if i get the platnium get the SUB and cancel the card within 60 days can i keep the points?

Thanks guys!

What's that?
Yes
Title: Re: Misc Credit Card Questions
Post by: Maxdeck123 on November 08, 2015, 01:05:04 PM
Why not do all 3?

What's that?
Yes
SUB (Sign-up bonus, made it up)
All three? Im worried about all those AF's. im not sure i can handle that? i know there are methods to reduce the AF's but i cant find them....
Title: Re: Misc Credit Card Questions
Post by: D93 on November 08, 2015, 01:06:13 PM
SUB (Sign-up bonus, made it up)
All three? Im worried about all those AF's. im not sure i can handle that? i know there are methods to reduce the AF's but i cant find them....

ED has no AF, PRG has no AF the first year, and Platinum you can just cancel with in 60 days.
Title: Re: Misc Credit Card Questions
Post by: Maxdeck123 on November 08, 2015, 01:07:58 PM
ED has no AF, PRG has no AF the first year, and Platinum you can just cancel with in 60 days.
Hmm and i can transfer those points over to my ED?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 08, 2015, 01:15:31 PM
Hmm and i can transfer those points over to my ED?
ED is a regular MR earning card. If its all your account, no need to transfer.
Title: Re: Misc Credit Card Questions
Post by: Maxdeck123 on November 08, 2015, 01:37:49 PM
ED is a regular MR earning card. If its all your account, no need to transfer.
even if cancelling both cards?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 08, 2015, 01:40:17 PM
Make sure to leave 1 MR card open. Otherwise you'll lose the points.
Title: Re: Misc Credit Card Questions
Post by: Maxdeck123 on November 08, 2015, 01:41:56 PM
Make sure to leave 1 MR card open. Otherwise you'll lose the points.
Thanks,
FYI during the application process Amex asks if i want any other cards with this application, should I add another card or use a different application?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 08, 2015, 01:43:15 PM
Thanks,
FYI during the application process Amex asks if i want any other cards with this application, should I add another card or use a different application?

That referring AU's.
Title: Re: Misc Credit Card Questions
Post by: Maxdeck123 on November 08, 2015, 01:43:48 PM
That referring AU's.
gottcha, thanks
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 08, 2015, 01:44:20 PM
What about you and pillan
And how do I know if d93 is in Philly or tlv
I live in China 1/2 the time
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 08, 2015, 01:44:38 PM
You're doing a  platinum for 40k?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 08, 2015, 01:45:06 PM
You're doing a  platinum for 40k?

Maybe he/she has a 100k RSVP under his/her name?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 08, 2015, 01:45:44 PM
Maybe he has a 100k RSVP under his/her name?
That's what i was asking.
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 08, 2015, 01:46:33 PM
That would be a horrible way to churn the card, by closing it, you will need to wait 18 months until you can churn it. You are better off waiting a couple months until they convert the W to WE and then you can churn the W without the 18 month wait.
Had no idea the W vs WE conversion had anything to do with the churn.  Learn something new everyday.  Can you point me to a link with this info?  THANKS!
Title: Re: Misc Credit Card Questions
Post by: D93 on November 08, 2015, 01:48:37 PM
Had no idea the W vs WE conversion had anything to do with the churn.  Learn something new everyday.  Can you point me to a link with this info?  THANKS!

The last 50 pages or so in this thread (http://www.flyertalk.com/forum/citi-thankyou-rewards/1632562-citi-platinum-gold-aa-cards-bonuses-benefits-194.html).
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 08, 2015, 01:56:13 PM

Awesome.  Thanks again!
Title: Re: Misc Credit Card Questions
Post by: D93 on November 08, 2015, 01:57:51 PM
Awesome.  Thanks again!
No problem. I'm not sure why this didn't get more attention here, pretty easy way to churn the card.
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 08, 2015, 02:19:00 PM
No problem. I'm not sure why this didn't get more attention here, pretty easy way to churn the card.
So that's basically getting this card every 2 months?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 08, 2015, 02:20:08 PM
So that's basically getting this card every 2 months?

Yup :) (it just depends on how long it takes Citi to convert your W to WE)
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 08, 2015, 02:28:57 PM
Yup :) (it just depends on how long it takes Citi to convert your W to WE)
Usually happens around 2nd month IME.
Title: Re: Misc Credit Card Questions
Post by: 3yummyboys on November 08, 2015, 05:37:49 PM

Yup :) (it just depends on how long it takes Citi to convert your W to WE)

How do you get it converted? Just call?
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on November 08, 2015, 05:38:09 PM
How do you get it converted? Just call?

Through time..
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 08, 2015, 06:18:51 PM
How do you get it converted? Just call?
They automatically do it around the second month
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 08, 2015, 10:11:35 PM
I believe my personal AA Pt was converted after 2 or 3 months.

I just received my CitiBiz AA Pt.  Will this card be converted?  Does this W->WE glitch work on the biz product as well?
Title: Re: Misc Credit Card Questions
Post by: a mirrer on November 09, 2015, 03:56:44 AM
I believe my personal AA Pt was converted after 2 or 3 months.

I just received my CitiBiz AA Pt.  Will this card be converted?  Does this W->WE glitch work on the biz product as well?
no biz is separate ball game check the ft wiki for churning rules for the biz card
Title: Re: Misc Credit Card Questions
Post by: PETERP on November 09, 2015, 05:28:33 AM
How do you get it converted? Just call?

That would be a good way to kill it for everyone  . Number one rule : Don't Call !
And spoon feeding to people who don't know this rule is not a good idea IMO !
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 09, 2015, 08:38:40 AM
That would be a horrible way to churn the card, by closing it, you will need to wait 18 months until you can churn it. You are better off waiting a couple months until they convert the W to WE and then you can churn the W without the 18 month wait.
Wow didn't realize this thanx
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 09, 2015, 08:50:47 AM
no biz is separate ball game check the ft wiki for churning rules for the biz card

Hmm.  Too bad.  I am trying to slow down on the personal cards for a while...just been going after the bonuses that are the highest they ever get like the 100K AMEX Pt, 100K Avios Chase BA etc.

My EIN's on the other hand are always up for a good time.
Title: Misc Credit Card Questions
Post by: 3yummyboys on November 09, 2015, 12:17:31 PM
That would be a good way to kill it for everyone  . Number one rule : Don't Call !
And spoon feeding to people who don't know this rule is not a good idea IMO !

That's why I asked. I didn't realize it was automatic.
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 09, 2015, 01:27:01 PM
Does anyone have firsthand experience? I want to wait to cancel until about 6 months into the 2nd year of a chase cc. Will I get refunded for the AF that was charged at the end of the first year, if it's cancelled within 6 months. Or is the 6 months only for the first year on a brand new card?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 09, 2015, 01:31:56 PM
Does anyone have firsthand experience? I want to wait to cancel until about 6 months into the 2nd year of a chase cc. Will I get refunded for the AF that was charged at the end of the first year, if it's cancelled within 6 months. Or is the 6 months only for the first year on a brand new card?

180 days is on 2nd year as well
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 09, 2015, 01:35:08 PM
180 days is on 2nd year as well
Thanks. Not that I don't beleive you... Did you actually do this though, and get it refunded?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 09, 2015, 01:43:33 PM
Thanks. Not that I don't beleive you... Did you actually do this though, and get it refunded?

I don't think i can get you better proof than this.

(https://farm6.staticflickr.com/5757/22888920672_d5b2a2c6be_z.jpg) (https://flic.kr/p/ASBGFj)
Title: Re: Misc Credit Card Questions
Post by: etech0 on November 09, 2015, 02:05:03 PM
I don't think i can get you better proof than this.

(https://farm6.staticflickr.com/5757/22888920672_d5b2a2c6be_z.jpg) (https://flic.kr/p/ASBGFj)
Awesome! (I have a SM saying that the limit is 60 days)
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 09, 2015, 02:17:04 PM
I don't think i can get you better proof than this.

Thanks.
Title: Re: Misc Credit Card Questions
Post by: PETERP on November 09, 2015, 02:18:20 PM
That's why I asked. I didn't realize it was automatic.

Hope I didn't come off as barking
at you .

It would be wise to never call when, a credit card issuer is
making an obvious faux pas .
That applies to wrong priced tix , obvious
oversights or loopholes in their technology ETC.

               I don't see it emphasized ENOUGH

lately .but it has been the mantra
Of the Miles and Points hounds.
Title: Re: Misc Credit Card Questions
Post by: 3yummyboys on November 09, 2015, 02:45:57 PM
I'm not such a noob but I've never heard of downgrading the card without calling
Title: Re: Misc Credit Card Questions
Post by: hide4 on November 09, 2015, 02:55:50 PM
what are the top 5 cards to get right now???
Title: Re: Misc Credit Card Questions
Post by: D93 on November 09, 2015, 02:58:13 PM
I'm not such a noob but I've never heard of downgrading the card without calling
This isn't a downgrade, it's an automatic product change from W to WE. 
Title: Re: Misc Credit Card Questions
Post by: PETERP on November 09, 2015, 03:04:13 PM
I'm not such a noob but I've never heard of downgrading the card without calling

Read the FT thread and all would
be known to you . Start with the last
5 pages though . Very educational.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 09, 2015, 03:09:04 PM
Read the FT thread and all would
be known to you . Start with the last
5 pages though . Very educational.
+1
Title: Re: Misc Credit Card Questions
Post by: 3yummyboys on November 09, 2015, 04:18:36 PM
Thanks. I find FT threads to be hard to read on tapatalk. I'll wait until i am at the computer.
Title: Re: Misc Credit Card Questions
Post by: PETERP on November 09, 2015, 04:37:50 PM
Thanks. I find FT threads to be hard to read on tapatalk. I'll wait until i am at the computer.

I understand . Well worth the wait .  :)
Title: Re: Misc Credit Card Questions
Post by: D93 on November 09, 2015, 04:53:49 PM
Thanks. I find FT threads to be hard to read on tapatalk. I'll wait until i am at the computer.

They have a very good mobile site.
Title: Re: Misc Credit Card Questions
Post by: srap on November 09, 2015, 09:13:14 PM
Which nonAmex CC gives more than 1x on pharmacy.  Arrival+, ...?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 09, 2015, 09:17:24 PM
Which nonAmex CC gives more than 1x on pharmacy.  Arrival+, ...?
Citi has a 2% card.
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on November 09, 2015, 09:23:18 PM
They automatically do it around the second month
and do they mail a new card?
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 09, 2015, 09:47:10 PM
and do they mail a new card?
Yes.
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on November 09, 2015, 09:53:59 PM
Yes.
i dont recall ever getting a new card. does that mean it was never converted? opened in april
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 09, 2015, 11:10:33 PM
Which nonAmex CC gives more than 1x on pharmacy.  Arrival+, ...?

Arrival+ (2% + 5% kicker on travel redemptions.  Total turd card year 2+)
BofA AAA Rewards (2% drugs, gas, groceries no-caps.  Depending on your banking/investment relationship with BofA, can be 2.25%-2.75%)
Citi DC (2% cash back)
FIA AMEX (2% cash back, AMEX processed but BofA underwriting)
JCB Marukai (3%, only available to residents of select Western US states)
Spark Cash (2% cash back, business card reports to personal)
Venture (2% on travel redemptions.  Turd card year 2+)

Title: Re: Misc Credit Card Questions
Post by: srap on November 10, 2015, 12:08:51 AM
Arrival+ (2% + 5% kicker on travel redemptions.  Total turd card year 2+)
BofA AAA Rewards (2% drugs, gas, groceries no-caps.  Depending on your banking/investment relationship with BofA, can be 2.25%-2.75%)
Citi DC (2% cash back)
FIA AMEX (2% cash back, AMEX processed but BofA underwriting)
JCB Marukai (3%, only available to residents of select Western US states)
Spark Cash (2% cash back, business card reports to personal)
Venture (2% on travel redemptions.  Turd card year 2+)
THANK YOU!
turd?
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 10, 2015, 12:23:00 AM
Yes.

I initially got my card back in Feb. 2014 and since then they've mailed me two new cards (one because of chip and one because of new design). The card that I have now is a WE. Was the initial one that they mailed me for sure a W, or is it possible that it was already a WE? Any way to know for sure?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 10, 2015, 12:42:14 AM
I initially got my card back in Feb. 2014 and since then they've mailed me two new cards (one because of chip and one because of new design). The card that I have now is a WE. Was the initial one that they mailed me for sure a W, or is it possible that it was already a WE? Any way to know for sure?
The card you signed up for in February 2014 was forsure a W because you can't initially sign up for a WE.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 10, 2015, 12:42:39 AM
i dont recall ever getting a new card. does that mean it was never converted? opened in april
Take a look at your card, does it say W or WE?
Title: Re: Misc Credit Card Questions
Post by: ChaimMoskowitz on November 10, 2015, 05:39:38 AM
turd?
I will be polite and say it means not worth it instead of POS.  :)
Title: Re: Misc Credit Card Questions
Post by: D93 on November 10, 2015, 05:47:04 AM
turd?

http://bit.ly/1Y1CS1e
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 10, 2015, 07:06:23 AM
The problem with the 2% cards with AF's in year 2 and beyond, is the AF's eat into your returns.

The CapOne Venture and Spark 2% cards have a $59 AF.  Even after you've spent $24,000 in a year with an AF being assessed, your actual return is only 1.75%.

Obviously the $400 or $500 sign up bonuses ease that pain, since most no-AF cash back cards don't offer sign up bonuses, or they are meager.  And if you hit them hard, you can always get AF waivers.  There's also the point that CapOne likes to double or triple pull if you leave your EX out to dry.

The Barclays Arrival+ has an $89 AF or something.  You have to spend like $50K/yr during years where the AF is assessed to get anywhere close to a true 2% return.  And Barclays isn't known for waiving the AF on the Arrival+.  Your better off combining limits on another Barclays card so you can hit up a checking account sign up bonus.

Some of the BofA products are really great (by today's currently available to apply standards) if you have $75K in deposits or retirement/investment accounts.  The BofA Travel Rewards becomes an uncapped all around 2.625% cash back card (on travel redemptions) when you have their Platinum relationship rewards or whatever they call it.
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 10, 2015, 07:18:39 AM
The card you signed up for in February 2014 was forsure a W because you can't initially sign up for a WE.

Thanks. Wow, this is really eye-opening. Was about to close my card to reset the 18 months but knowing this, the smart thing to do would be to apply for a new one while my old one is still open and then close the old one after, right?
Title: Re: Misc Credit Card Questions
Post by: ChaimMoskowitz on November 10, 2015, 07:24:38 AM
Some of the BofA products are really great (by today's currently available to apply standards) if you have $75K in deposits or retirement/investment accounts.  The BofA Travel Rewards becomes an uncapped all around 2.625% cash back card (on travel redemptions) when you have their Platinum relationship rewards or whatever they call it.
Top tier needs 100k relationship with a 75% bonus. Do not play any games when you have this or they will shut down all accounts including brokerage accounts.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 10, 2015, 07:25:39 AM
Thanks. Wow, this is really eye-opening. Was about to close my card to reset the 18 months but knowing this, the smart thing to do would be to apply for a new one while my old one is still open and then close the old one after, right?

- Don't close the old WE card until you apply for a new W card.
- Regarding closing the old WE card after your approved for your new W card, see FT (I don't remember exactly because I haven't personally closed an AA Plat card yet!)
Title: Re: Misc Credit Card Questions
Post by: PETERP on November 10, 2015, 09:20:36 AM
Thanks. Wow, this is really eye-opening. Was about to close my card to reset the 18 months but knowing this, the smart thing to do would be to apply for a new one while my old one is still open and then close the old one after, right?

  Dont close ANY any card till after you stop getting approved 5-6 cards later.
 The real experts on this are in the FT thread. I am applying for my 4th card today following their instructions.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 10, 2015, 09:39:16 AM
The real experts on this are in the FT thread
+1
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 10, 2015, 01:54:01 PM
I am applying for my 4th card today following their instructions.

If you get a pending decision, what do you say when you call recon? Why would you need a 4th card when you have 3 others that are exactly the same? Wanting to separate types of expenses on different cards is the only fake and remotely believable excuse that I can think of.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 10, 2015, 02:05:49 PM
If you get a pending decision, what do you say when you call recon? Why would you need a 4th card when you have 3 others that are exactly the same? Wanting to separate types of expenses on different cards is the only fake and remotely believable excuse that I can think of.

When's the last time Citi recon asked you those questions?
Title: Re: Misc Credit Card Questions
Post by: PETERP on November 10, 2015, 02:09:09 PM
If you get a pending decision, what do you say when you call recon? Why would you need a 4th card when you have 3 others that are exactly the same? Wanting to separate types of expenses on different cards is the only fake and remotely believable excuse that I can think of.

Just called as advised  after completing application  . That question was NEVER   asked. I  Was told will take a week . Heard that before and disregarded it  . I will call back tmrw and report back.

Do yourselves a favor , and lurk in the FT thread . You don't have to post or register .

Never Call 

 
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 10, 2015, 02:14:42 PM
When's the last time Citi recon asked you those questions?

I've only applied for (and gotten) 2 Citi cards. I only started playing this "game" a year and a half ago.
Title: Re: Misc Credit Card Questions
Post by: PETERP on November 10, 2015, 02:24:53 PM
I've only applied for (and gotten) 2 Citi cards. I only started playing this "game" a year and a half ago.


Great. Going to be easier for you to get multiple cards then. Buckle up its a nice
ride if you learn how to hold on . 😊
Title: Re: Misc Credit Card Questions
Post by: bermo on November 10, 2015, 02:33:33 PM
- Don't close the old WE card until you apply for a new W card.
- Regarding closing the old WE card after your approved for your new W card, see FT (I don't remember exactly because I haven't personally closed an AA Plat card yet!)
Can you post a link to ft thread about this?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 10, 2015, 02:34:37 PM
Was posted upthread
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 10, 2015, 02:44:07 PM
Can you post a link to ft thread about this?

http://www.flyertalk.com/forum/citi-thankyou-rewards/1632562-citi-platinum-gold-aa-cards-bonuses-benefits-194.html
Title: Re: Misc Credit Card Questions
Post by: bermo on November 10, 2015, 02:48:26 PM
http://www.flyertalk.com/forum/citi-thankyou-rewards/1632562-citi-platinum-gold-aa-cards-bonuses-benefits-194.html
Thanx
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on November 10, 2015, 04:38:55 PM
i find ft very hard to follow for some reason. am i the only one?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 10, 2015, 04:44:32 PM
i find ft very hard to follow for some reason. am i the only one?
I do agree that the forum is way too big and hard to navigate (though could be because i spend most of my time here).
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on November 10, 2015, 04:48:17 PM
I do agree that the forum is way to big and hard to navigate (though could be because i spend most of my time here).
certainly makes me feel better coming from you!
Title: Re: Misc Credit Card Questions
Post by: Emkay on November 10, 2015, 05:27:41 PM
i find ft very hard to follow for some reason. am i the only one?
I'm with you
Title: Re: Misc Credit Card Questions
Post by: PETERP on November 10, 2015, 05:54:39 PM
I'm with you

  I have been following some threads on a daily basis for months if not years . Try to follow the leaders SDsearch, beltway , ninim2200, Happy , and not much spoon feeding over there .
Takes commitment .
Title: Re: Misc Credit Card Questions
Post by: 3yummyboys on November 11, 2015, 12:48:11 PM

i find ft very hard to follow for some reason. am i the only one?

Agree. It does take patience but you get used to the style
Title: Re: Misc Credit Card Questions
Post by: meme on November 11, 2015, 03:54:07 PM
How many Chase Ink accounts can I have?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 11, 2015, 03:55:12 PM
How many Chase Ink accounts can I have?
How many businesses do you have?
Title: Re: Misc Credit Card Questions
Post by: meme on November 11, 2015, 04:00:51 PM
How many businesses do you have?
I can have several if I'm a little creative  ;)
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 11, 2015, 04:21:46 PM
I'm planning on booking a revenue ticket to Israel for Pesach shortly, but if the situation is still bad there before Pesach, I'll want to cancel the tickets. Is there any specific CC that will refund me the price of the ticket if I want to cancel for that reason? Or will I need to book a cancelable ticket?
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 11, 2015, 04:22:56 PM
I can have several if I'm a little creative  ;)
Well than, the answer depends on your creativity..  8)
Title: Re: Misc Credit Card Questions
Post by: avadah on November 11, 2015, 04:38:09 PM
Official Chase policy (unless DRPOR) is that you can't get approved for a card you already have. Any solutions to that?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 11, 2015, 04:48:44 PM
Official Chase policy (unless DRPOR) is that you can't get approved for a card you already have. Any solutions to that?

Business or personal?
Title: Re: Misc Credit Card Questions
Post by: avadah on November 11, 2015, 04:50:31 PM
Personal. IHG.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 11, 2015, 04:52:06 PM
Personal. IHG.

It's possible, but it's not easy.
Title: Re: Misc Credit Card Questions
Post by: ari2955 on November 11, 2015, 08:03:26 PM
The card you signed up for in February 2014 was forsure a W because you can't initially sign up for a WE.

Is that still true today?
Meaning, anybody with an WE card forsure originaly signed up for a W?
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 11, 2015, 11:01:17 PM
I'm planning on booking a revenue ticket to Israel for Pesach shortly, but if the situation is still bad there before Pesach, I'll want to cancel the tickets. Is there any specific CC that will refund me the price of the ticket if I want to cancel for that reason? Or will I need to book a cancelable ticket?

BUMP. I called Chase about CSP's cancellation coverage and terrorism is included in the T&Cs. I asked them if they would classify what's going on in Israel as terrorism and they said that I should reach out to Chubb which is who their insurance runs through and ask them. Anyone have experience with this or has cancelled a trip for similar reasons (when purchased with CSP or any other card)?
Title: Re: Misc Credit Card Questions
Post by: meme on November 11, 2015, 11:28:20 PM
Is it possible to sell Barclay arrival rewards? If yes, do they have good sale value?
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 11, 2015, 11:32:45 PM
BUMP. I called Chase about CSP's cancellation coverage and terrorism is included in the T&Cs. I asked them if they would classify what's going on in Israel as terrorism and they said that I should reach out to Chubb which is who their insurance runs through and ask them. Anyone have experience with this or has cancelled a trip for similar reasons (when purchased with CSP or any other card)?
I used their travel insurance the summer before last during Operation Protective Edge and they covered a trip cancellation
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 11, 2015, 11:35:17 PM
Is it possible to sell Barclay arrival rewards? If yes, do they have good sale value?
Just do refundable.
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 11, 2015, 11:35:44 PM
I used their travel insurance the summer before last during Operation Protective Edge and they covered a trip cancellation
That was an official war, may be different.
Title: Re: Misc Credit Card Questions
Post by: meme on November 11, 2015, 11:39:02 PM

Just do refundable.
Sorry, can u explain?
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 11, 2015, 11:53:44 PM
Sorry, can u explain?
Just book the refundable fare on Southwest.com, after it posts to your account in a few days click to redeem your points for it, get a check for the value of the points and 10 5% of your points back, cancel the Southwest ticket.
Rinse and repeat.
Title: Re: Misc Credit Card Questions
Post by: meme on November 11, 2015, 11:58:27 PM
Ok, thanks for explaining. How does the 40k Barclays sign up compare to other offers out there? (Excluding chase and amex offers)
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 12, 2015, 12:01:02 AM
That was an official war, may be different.
Quite possibly. I would advise the OP to call the Chubb Group directly and ask them.
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 12, 2015, 12:38:35 AM
Quite possibly. I would advise the OP to call the Chubb Group directly and ask them.

I did but they told me that they only file claims over the phone and to get an answer to my question, I need to email them. Did that and waiting for a response. Will report back.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 12, 2015, 12:57:37 AM
Is that still true today?
Meaning, anybody with an WE card forsure originaly signed up for a W?
Yes
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 12, 2015, 09:12:27 AM
I did but they told me that they only file claims over the phone and to get an answer to my question, I need to email them. Did that and waiting for a response. Will report back.

Just got an email back from Chubb. This was part of their response:

"Federal Insurance Company is unable to provide prospective or hypothetical coverage determinations.   Coverage being provided due to terrorism would depend on the circumstances of the event. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss as evaluated by a licensed claims adjuster.  All relevant circumstances and information will be reviewed at the time of submission of a loss in order to make a determination whether or to what extent there is coverage.  I have included a summary of the terms and conditions of coverage and a link to the complete T&Cs.  Please use this as a reference."   

Then they just copied and pasted the T&Cs. Smart on their part for not giving me an answer, annoying for me. The line in the T&Cs that talks about terrorism is "• A terrorist action or hijacking." Seems like there's a lot of wiggle room for them. Don't think it's worth the risk and have to fight with them after.
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 12, 2015, 11:35:11 AM
Just got an email back from Chubb. This was part of their response:

"Federal Insurance Company is unable to provide prospective or hypothetical coverage determinations.   Coverage being provided due to terrorism would depend on the circumstances of the event. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss as evaluated by a licensed claims adjuster.  All relevant circumstances and information will be reviewed at the time of submission of a loss in order to make a determination whether or to what extent there is coverage.  I have included a summary of the terms and conditions of coverage and a link to the complete T&Cs.  Please use this as a reference."   

Then they just copied and pasted the T&Cs. Smart on their part for not giving me an answer, annoying for me. The line in the T&Cs that talks about terrorism is "• A terrorist action or hijacking." Seems like there's a lot of wiggle room for them. Don't think it's worth the risk and have to fight with them after.
Not really such a tough process. They told me the same thing and approved my claim without a problem
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 12, 2015, 11:44:13 AM
Not really such a tough process. They told me the same thing and approved my claim without a problem

Ya, but as someone else pointed out, it's very possible that they'd view Operation Protective Edge and the random stabbings that are going on now as very different scenarios. I can see them saying something along the lines of being scared to go to Israel now is equivalent to being scared to go to a city in the US with a lot of crime.
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 12, 2015, 12:02:56 PM
Ya, but as someone else pointed out, it's very possible that they'd view Operation Protective Edge and the random stabbings that are going on now as very different scenarios. I can see them saying something along the lines of being scared to go to Israel now is equivalent to being scared to go to a city in the US with a lot of crime.
True but
Not really such a tough process.
. May be worth a shot
Title: Re: Misc Credit Card Questions
Post by: zlt123 on November 12, 2015, 12:48:11 PM
To what progrem is the best now to transfer MR points? i have no plans of using/selling in the near furtre but i have to transfer it out today, so where is the best place fo safe keeping?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 12, 2015, 12:48:35 PM
To what progrem is the best now to transfer MR points? i have no plans of using/selling in the near furtre but i have to transfer it out today, so where is the best place fo safe keeping?
What do you plan on using the miles for?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 12, 2015, 01:01:00 PM
To what progrem is the best now to transfer MR points? i have no plans of using/selling in the near furtre but i have to transfer it out today, so where is the best place fo safe keeping?
Why do you have to transfer them out?
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 12, 2015, 01:07:34 PM
True but . May be worth a shot

True, but also probably worth it to just buy a cancelable ticket from a cost-benefit analysis perspective.
Title: Re: Misc Credit Card Questions
Post by: zlt123 on November 12, 2015, 01:33:28 PM
iam prob. gonne sell it in the end so my Q really is wich prog. it the most worth for selling and/or have now a transfer bonus
Title: Re: Misc Credit Card Questions
Post by: D93 on November 12, 2015, 01:40:07 PM
iam prob. gonne sell it in the end so my Q really is wich prog. it the most worth for selling and/or have now a transfer bonus

Just keep it, you'll get more money if you sell it as MR
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 12, 2015, 02:08:01 PM
Just keep it, you'll get more money if you sell it as MR
+1
Many brokers don't like buying Arline accounts that have points transrfered into them anyway. It's a bigger risk factor.
Title: Re: Misc Credit Card Questions
Post by: meme on November 12, 2015, 02:10:18 PM

Just keep it, you'll get more money if you sell it as MR
He obviously can't keep it, said he has to transfer out today..due to FR?
Title: Re: Misc Credit Card Questions
Post by: meme on November 12, 2015, 02:11:43 PM

He obviously can't keep it, said he has to transfer out today..due to FR?
You may have more time to transfer out or sell as MR,
even if closing account today, see FR thread
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 12, 2015, 02:18:30 PM
He obviously can't keep it, said he has to transfer out today..due to FR?
He didn't say a word about FR. As a matter of fact he was asked point blank, why he needs it out today but he didn't respond. In general people post only half the relevant info, and expect a response. Many people here are glad to help, but the question needs to be asked properly. Or if people ask follow up questions those should be responded to as well. #endrant
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 12, 2015, 02:19:46 PM
He didn't say a word about FR. As a matter of fact he was asked point blank, why he needs it out today but he didn't respond. In general people post only half the relevant info, and expect a response. Many people here are glad to help, but the question needs to be asked properly. Or if people ask follow up questions those should be responded to as well. #endrant
Well said
Title: Re: Misc Credit Card Questions
Post by: meme on November 12, 2015, 02:27:00 PM
On the topic of mile brokers, anyone have a broker to recommend for top dollar and service?
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 12, 2015, 09:59:12 PM
is there any odds of opening a amex card just for the signup bonus and close it right away like opening a card that has a annual fee and right after getting the signup bonus close that card so I can get back the annual fee, is there any negatives from doing that? can it make me any problems in the future to get approved for amex cards if they see me doing this?  thanks for your help
Title: Re: Misc Credit Card Questions
Post by: ydf on November 12, 2015, 10:28:58 PM
is there any odds of opening a amex card just for the signup bonus and close it right away like opening a card that has a annual fee and right after getting the signup bonus close that card so I can get back the annual fee, is there any negatives from doing that? can it make me any problems in the future to get approved for amex cards if they see me doing this?  thanks for your help
would also love to know the answer on this question anyone can advice?
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 12, 2015, 10:31:15 PM
would also love to know the answer on this question anyone can advice?

I did it with personal platinum and haven't had any issues getting approved for other Amex cards since.
Title: Re: Misc Credit Card Questions
Post by: ydf on November 12, 2015, 10:38:53 PM
I did it with personal platinum and haven't had any issues getting approved for other Amex cards since.
thanks
Title: Re: Misc Credit Card Questions
Post by: D93 on November 13, 2015, 02:39:16 AM
is there any odds of opening a amex card just for the signup bonus and close it right away like opening a card that has a annual fee and right after getting the signup bonus close that card so I can get back the annual fee, is there any negatives from doing that? can it make me any problems in the future to get approved for amex cards if they see me doing this?  thanks for your help

This done day in and day out.
Title: Re: Misc Credit Card Questions
Post by: yitzy93 on November 13, 2015, 06:11:53 AM
is there any odds of opening a amex card just for the signup bonus and close it right away like opening a card that has a annual fee and right after getting the signup bonus close that card so I can get back the annual fee, is there any negatives from doing that? can it make me any problems in the future to get approved for amex cards if they see me doing this?  thanks for your help
I suggest you don't play this game if you have any hope of becoming president, and btw it's Marco with a 'c'.
Title: Re: Misc Credit Card Questions
Post by: meme on November 13, 2015, 10:12:04 AM

I suggest you don't play this game if you have any hope of becoming president, and btw it's Marco with a 'c'.
Rubio is already under scrutiny for his irresponsible cc spending, lol
Title: Re: Misc Credit Card Questions
Post by: srap on November 13, 2015, 10:43:47 AM
Is it a really dumb move to pay phone, groceries, Amazon, etc. with an SPG when I have 5x cards?  I have to finish my spend within the next few weeks. 

Anyone else succumb to the easy way out instead of searching for MS opportunities?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 13, 2015, 10:53:12 AM
Is it a really dumb move to pay phone, groceries, Amazon, etc. with an SPG when I have 5x cards?  I have to finish my spend within the next few weeks. 

Anyone else succumb to the easy way out instead of searching for MS opportunities?
Depends on your app-o-rama. Most of us can't do 50k in real spending in three months anyways, so we're forced to resort to MS.
Title: Re: Misc Credit Card Questions
Post by: Mordyk on November 13, 2015, 10:59:07 AM
I have a credit card merchant account for my business.  I almost dont use it. Should i be concerned to swipe my personal card on it once? I just want to meet spending for a relatively small amount.
Title: Re: Misc Credit Card Questions
Post by: srap on November 13, 2015, 11:13:43 AM
Depends on your app-o-rama. Most of us can't do 50k in real spending in three months anyways, so we're forced to resort to MS.
Exactly, the larger our 'app-o-rama' (CC repertoire), the harder it is to meet spend with a new card.  ie Finding MS places that are not office supply stores, grocery markets, pharmacies, communication bills, .Amazon, etc.
Title: Re: Misc Credit Card Questions
Post by: meme on November 13, 2015, 12:53:18 PM
Is there a wiki anywhere about all ddf 'slang' and abbreviations?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 13, 2015, 12:55:11 PM
Is there a wiki anywhere about all ddf 'slang' and abbreviations?
http://forums.dansdeals.com/index.php?topic=10531.0
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 13, 2015, 01:00:49 PM
I suggest you don't play this game if you have any hope of becoming president, and btw it's Marco with a 'c'.
lol good chop over there!!!
Title: Re: Misc Credit Card Questions
Post by: meme on November 13, 2015, 01:12:06 PM

http://forums.dansdeals.com/index.php?topic=10531.0
Thanks!:)
Title: Re: Misc Credit Card Questions
Post by: meme on November 15, 2015, 03:54:15 PM
Considering Barclays Arrival card but reading everywhere about their terrible customer service and mistaken fraud warnings that constantly freeze cards, anyone have experience with this? 
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 15, 2015, 04:05:22 PM
Considering Barclays Arrival card but reading everywhere about their terrible customer service and mistaken fraud warnings that constantly freeze cards, anyone have experience with this?
I'm having a good experience with Barclays so far, grade CS, and my card was never frozen...
Title: Re: Misc Credit Card Questions
Post by: meme on November 15, 2015, 04:12:52 PM

I'm having a good experience with Barclays so far, grade CS, and my card was never frozen...
How long do u have it?
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 15, 2015, 04:19:27 PM
1-2 years
Title: Re: Misc Credit Card Questions
Post by: meme on November 15, 2015, 04:20:36 PM

1-2 years
Do u make large purchases on it without issue?
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 15, 2015, 04:20:59 PM
I'm having a good experience with Barclays so far, grade CS, and my card was never frozen...
Good card, good recon, CS depends on rep, fraud department is a PITA, but Twitter CS is awesome.
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 15, 2015, 04:22:07 PM
Do u make large purchases on it without issue?
Yes i did with no problem!
Title: Re: Misc Credit Card Questions
Post by: meme on November 15, 2015, 04:32:45 PM

Yes i did with no problem!
You don't work for Barclays by any chance?:)
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 15, 2015, 04:36:16 PM
You don't work for Barclays by any chance?:)
Not in plan, ;)
And i did some "shtikes" as well, and had no problem so far...
Title: Re: Misc Credit Card Questions
Post by: meme on November 15, 2015, 04:40:10 PM

Not in plan, ;)
And i did some "shtikes" as well, and had no problem so far...
Fill us in on the shtik..
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 15, 2015, 04:48:00 PM
Fill us in on the shtik..
+1 what did you do
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 15, 2015, 05:06:56 PM
I'd assume refundable
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 16, 2015, 01:39:11 AM
Anyone use Mint.com to track personal finances? Do you know if the free credit score they offer is FICO or FAKO?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 16, 2015, 01:42:53 AM
Anyone use Mint.com to track personal finances?
http://forums.dansdeals.com/index.php?topic=32989.0
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 16, 2015, 01:45:41 AM
http://forums.dansdeals.com/index.php?topic=32989.0
FTFM
Title: Re: Misc Credit Card Questions
Post by: TimT on November 16, 2015, 01:49:26 AM
On myficoforums people say its FAKO.
Title: Re: Misc Credit Card Questions
Post by: Mordyk on November 16, 2015, 01:17:15 PM
I have a credit card merchant account for my business.  I almost dont use it. Should i be concerned to swipe my personal card on it once? I just want to meet spending for a relatively small amount.
bump
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 16, 2015, 02:57:47 PM
bump
I would be cautious
Title: Re: Misc Credit Card Questions
Post by: shie123 on November 17, 2015, 09:05:32 AM
Is an Amex Green card a Crdit or Charge?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 17, 2015, 09:08:47 AM
Is an Amex Green card a Crdit or Charge?
Charge
Title: Re: Misc Credit Card Questions
Post by: ydf on November 17, 2015, 09:48:43 PM
I used already this year my $100 airline credit on my prg card by doing pggm but every time I login online I still see that in my offers does it mean its still available to use again or what?
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 17, 2015, 10:40:39 PM
I used already this year my $100 airline credit on my prg card by doing pggm but every time I login online I still see that in my offers does it mean its still available to use again or what?
No.
Title: Re: Misc Credit Card Questions
Post by: meme on November 18, 2015, 12:00:22 AM
So how do these guys (the ppl that pay u 5k) that get u 5 BGR bonuses in one shot do it?
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 18, 2015, 12:20:36 AM
If a card is closed due to inactivity. Does it show up on a credit report as: A) Closed by issuer (like when Amex closes someones accounts) B) Closed by customer C) something else.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 18, 2015, 12:26:09 AM
If a card is closed due to inactivity. Does it show up on a credit report as: A) Closed by issuer (like when Amex closes someones accounts) B) Closed by customer C) something else.
I remember seeing somewhere it shows as closed by issuer
Title: Re: Misc Credit Card Questions
Post by: meme on November 18, 2015, 12:28:13 AM

I remember seeing somewhere it shows as closed by issuer
Which issuers are known to close due to inactivity? After how long?
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 18, 2015, 12:29:36 AM
Which issuers are known to close due to inactivity? After how long?
Citi, chase, don't know exact time frame...
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 18, 2015, 12:32:24 AM


After how long?



There is no exact time frame

Ftfy
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 18, 2015, 12:32:41 AM
I remember seeing somewhere it shows as closed by issuer
I don't get how they can do that though if you did nothing wrong.
Title: Re: Misc Credit Card Questions
Post by: meme on November 18, 2015, 12:33:05 AM

Citi, chase, don't know exact time frame...
Do they tend to provide notice before closing?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 18, 2015, 12:34:03 AM
I don't get how they can do that though if you did nothing wrong.
That I don't know
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 18, 2015, 12:35:15 AM
Do they tend to provide notice before closing?
No. Usually only once it's too late.
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 18, 2015, 12:35:37 AM
Anyone had success reinstating a card closed due to inactivity?
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 18, 2015, 12:36:06 AM
Anyone had success reinstating a card closed due to inactivity?
Kind of.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 18, 2015, 12:36:25 AM
Kind of.
Explain
Title: Re: Misc Credit Card Questions
Post by: D93 on November 18, 2015, 12:44:14 AM
So how do these guys (the ppl that pay u 5k) that get u 5 BGR bonuses in one shot do it?

What's the "so"?
Title: Re: Misc Credit Card Questions
Post by: meme on November 18, 2015, 01:08:46 AM

What's the "so"?
The "so" is that thread busy cracking our heads how to double dip on bonuses and these guys do it 5 in one shot, no problem
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 18, 2015, 01:13:05 AM
The "so" is that thread busy cracking our heads how to double dip on bonuses and these guys do it 5 in one shot, no problem
"So" insinuates that it's a continuation or response to someone else, when in realty it's a new query that should be started with "How do...". Starting a sentence with so may be normal on Twitter, but it's not grammatically correct and makes no sense.
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 18, 2015, 01:15:42 AM
"So" insinuates that it's a continuation or response to someone else, when in realty it's a new query that should be started with "How do...". Starting a sentence with so may be normal on Twitter, but it's not grammatically correct and makes no sense.
thats your problem with his response? Where do I start....
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 18, 2015, 01:19:11 AM
thats your problem with his response? Where do I start....
That's the simplest problem with the "so" that @D93 asked about.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 18, 2015, 01:35:57 AM
That's the simplest problem with the "so" that @D93 asked about.
+1
Title: Re: Misc Credit Card Questions
Post by: D93 on November 18, 2015, 01:37:26 AM
The "so" is that thread busy cracking our heads how to double dip on bonuses and these guys do it 5 in one shot, no problem

Which thread?
Title: Misc Credit Card Questions
Post by: meme on November 18, 2015, 09:01:54 AM
Which thread?
Many questions in this thread as well as others, - I don't mind some cynicism and making fun but would appreciate if someone can answer the question too
Title: Re: Misc Credit Card Questions
Post by: srap on November 19, 2015, 06:59:57 AM
End of the calendar year is coming.  Am I missing any?


CCs with airline credits:
1.  AMEX Platinums (personal, business, MB):  $200/calendar yr - airline fees, register 1x/yr
2.  AMEX PRG:             $100/cal yr - airline fees, register 1x/yr
3.  Citibank Prestige:  $250/cal yr - flying charges (including ticket cost), no registration needed

CCs with Global Entry/TSA Precheck:
1.  Citibank AA EXEC:  $100 - reimbursement
2.  Citibank Prestige:  $100 - reimbursement
Title: Re: Misc Credit Card Questions
Post by: Zalc on November 19, 2015, 08:42:14 AM
End of the calendar year is coming.  Am I missing any?
~~~
CCs with Global Entry/TSA Precheck:
1.  Citibank AA EXEC:  $100 - reimbursement
2.  Citibank Prestige:  $100 - reimbursement

Pre-check credit is every 5 years.

these may be more here at DoC (http://www.doctorofcredit.com/end-of-year-credit-card-application-list-and-analysis/)
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 19, 2015, 08:56:03 AM
End of the calendar year is coming.  Am I missing any?


CCs with airline credits:
1.  AMEX Platinums (personal, business, MB):  $200/calendar yr - airline fees, register 1x/yr
2.  AMEX PRG:             $100/cal yr - airline fees, register 1x/yr
3.  Citibank Prestige:  $250/cal yr - flying charges (including ticket cost), no registration needed

CCs with Global Entry/TSA Precheck:
1.  Citibank AA EXEC:  $100 - reimbursement
2.  Citibank Prestige:  $100 - reimbursement
Doesn't the amex platinum have global entry also?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 09:02:09 AM
Doesn't the amex platinum have global entry also?

Yes
Title: Re: Misc Credit Card Questions
Post by: compddd on November 19, 2015, 10:21:55 AM
For Chase is it still 6 months from the date you're charged your annual fee to get it refunded?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 10:24:57 AM
For Chase is it still 6 months from the date you're charged your annual fee to get it refunded?

Yes
Title: Re: Misc Credit Card Questions
Post by: Jack out of the box on November 19, 2015, 12:17:20 PM
What's the best cashback card with no foreign transaction fee?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 12:22:30 PM
What's the best cashback card with no foreign transaction fee?

Arrival+
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 19, 2015, 12:24:44 PM
Yes
It was more of a question why he didn't mention it in his post (sorry for being unclear, I used the amex biz plat for my GE)
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 19, 2015, 12:38:26 PM
Even if you already have GE, sign someone up. It's 100 free points.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 12:40:30 PM
Even if you already have GE, sign someone up. It's 100 free points.

-1
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 19, 2015, 12:40:51 PM
-1
?
Title: Re: Misc Credit Card Questions
Post by: Jack out of the box on November 19, 2015, 12:42:04 PM
Arrival+
Thanks. I see they're offering 40,000 bonus miles for $3,000 in 90 days. How does it work to get cash out of their points?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 12:43:03 PM
?

You don't get points for it because it gets refunded.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 19, 2015, 12:43:10 PM
Thanks. I see they're offering 40,000 bonus miles for $3,000 in 90 days. How does it work to get cash out of their points?
Buy refundable tickets, use points towards charge, and cancel ticket for refund.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 12:43:27 PM
Thanks. I see they're offering 40,000 bonus miles for $3,000 in 90 days. How does it work to get cash out of their points?

Book a refundable ticket.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 19, 2015, 12:43:32 PM
You don't get points for it because it gets refunded.
-1
Title: Re: Misc Credit Card Questions
Post by: Jack out of the box on November 19, 2015, 12:44:55 PM
Book a refundable ticket.
Buy refundable tickets, use points towards charge, and cancel ticket for refund.

 ::)
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 12:47:08 PM
-1

IME, if the charge gets refunded before the statement prints, you won't get spend points for that purchase. Was your experience different?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 19, 2015, 12:50:30 PM
IME, if the charge gets refunded before the statement prints, you won't get spend points for that purchase. Was your experience different?
It didn't get refunded, i got a credit towards the cost. If i didn't do PGGM, I'm sure I'd get points for the airline charges.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 12:51:53 PM
It didn't get refunded, i got a credit towards the cost. If i didn't do PGGM, I'm sure I'd get points for the airline charges.

Thank you very much for sharing that! I stand corrected, I guess refunds and credits work differently.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 19, 2015, 12:53:00 PM
Thank you very much for sharing that! I stand corrected, I guess refunds and credits work differently.
I was also surprised when i saw the points. I wasn't expecting it because of the same reason that you said.
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 19, 2015, 01:01:51 PM
Yup, I got points for my GE charge, and the credit posted before statement close.
Title: Re: Misc Credit Card Questions
Post by: avadah on November 19, 2015, 01:15:41 PM
Can Chase reps manually deduct points from an account?
Title: Re: Misc Credit Card Questions
Post by: srap on November 19, 2015, 01:17:29 PM
Can Chase reps manually deduct points from an account?
If they get annoyed with you, I''m sure they can send your account out to be 'investigated'.
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 19, 2015, 01:24:19 PM
Can Chase reps manually deduct points from an account?
Yes
Title: Re: Misc Credit Card Questions
Post by: unclesam on November 19, 2015, 01:35:31 PM
Does bank of America do a hard pull for moving credit between accounts?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 01:39:39 PM
Does bank of America do a hard pull for moving credit between accounts?

Credit as in credit lines? Yes.
Title: Re: Misc Credit Card Questions
Post by: unclesam on November 19, 2015, 01:43:25 PM
Credit as in credit lines? Yes.
yes. Thank you
If I will freeze experian will they pull TU or EQ?
Title: Re: Misc Credit Card Questions
Post by: a mirrer on November 19, 2015, 01:47:40 PM
yes. Thank you
If I will freeze experian will they pull TU or EQ?
IME yes
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 19, 2015, 02:00:17 PM
IME yes
I think hes asking which one they will pull
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 02:18:40 PM
Is it advisable to wait 30 days after canceling CSP to reapply?
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on November 19, 2015, 02:19:30 PM
Is it advisable to wait 30 days minutes after canceling CSP to reapply?

FTFY
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 02:23:38 PM

FTFY
?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 19, 2015, 02:24:11 PM
?
Trying to say you do not need to wait at all i believe.

Though i think giving it some time is likely better.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 02:24:24 PM
?

http://forums.dansdeals.com/index.php?topic=10531.0
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 02:26:14 PM

http://forums.dansdeals.com/index.php?topic=10531.0
I know what it stands for just didn't understand relevancy
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on November 19, 2015, 02:26:43 PM
Trying to say you do not need to wait at all i believe.

Though i think giving it some time is likely better.

+1

No precise logic to it. Only thing to mark is that if approved, the bonus is all yours.
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 02:28:01 PM

+1

No precise logic to it. Only thing to mark is that if approved, the bonus is all yours.
Didn't someone in this thread mention something once about getting 30 day msg when reapplying?
Title: Re: Misc Credit Card Questions
Post by: unclesam on November 19, 2015, 02:32:19 PM
IME yes
thanks
Title: Re: Misc Credit Card Questions
Post by: D93 on November 19, 2015, 02:33:24 PM
Didn't someone in this thread mention something once about getting 30 day msg when reapplying?

There's no such 30 day rule.
Title: Re: Misc Credit Card Questions
Post by: unclesam on November 19, 2015, 02:34:55 PM
I think hes asking which one they will pull
EQ would be better but it doesn't really matter for me not planning to apply for Barclay cards in the next 6-12 months
Title: Re: Misc Credit Card Questions
Post by: unclesam on November 19, 2015, 02:39:23 PM
Didn't someone in this thread mention something once about getting 30 day msg when reapplying?
I got the 30 day message applied a day after closing. But it switched 1 is 7-10 days and 1 is 2 weeks I believe the 7-10 is the sapphire but not sure
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 02:40:33 PM

There's no such 30 day rule.
http://forums.dansdeals.com/index.php?topic=6906.msg1319940#msg1319940
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 02:41:39 PM

I got the 30 day message applied a day after closing. But it switched 1 is 7-10 days and 1 is 2 weeks I believe the 7-10 is the sapphire but not sure
When did u get 30 day msg? How do u know it switched?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 19, 2015, 02:43:08 PM
http://forums.dansdeals.com/index.php?topic=6906.msg1319940#msg1319940
That means that he was told that he would be informed of a decision regarding the application within 30 days. Look at the wiki in the chase recon thread. Nothing to do with how long ago he canceled.
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 02:45:39 PM

That means that he was told that he would be informed of a decision regarding the application within 30 days. Look at the wiki in the chase recon thread. Nothing to do with how long ago he canceled.
Well unclesam himself (poster of that quote) just confirmed here that that's what he meant
Title: Re: Misc Credit Card Questions
Post by: unclesam on November 19, 2015, 02:46:18 PM
When did u get 30 day msg? How do u know it switched?
application status on the phone
Title: Re: Misc Credit Card Questions
Post by: unclesam on November 19, 2015, 02:46:42 PM
That means that he was told that he would be informed of a decision regarding the application within 30 days. Look at the wiki in the chase recon thread. Nothing to do with how long ago he canceled.
correct
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 02:50:27 PM

correct
Oy vey, embarrassing misunderstanding of your earlier reply
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 19, 2015, 03:14:22 PM
Oy vey, embarrassing misunderstanding of your earlier reply
Forgive him please... ;)
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 08:15:18 PM
Anyone know if/when the BA chase 50/75/100 offer will expire?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 19, 2015, 08:21:35 PM
Anyone know if/when the BA chase 50/75/100 offer will expire?
Its a limited time offer but there is no specific time
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 08:24:53 PM

Its a limited time offer but there is no specific time
Would you expect it to expire soon?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 19, 2015, 08:34:27 PM
Would you expect it to expire soon?
I would assume it'll be around till the end of the year.
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 10:01:22 PM
Any theories about best time of day/week/month to get approved?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 19, 2015, 10:06:35 PM
Any theories about best time of day/week/month to get approved?
If only
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 10:08:57 PM

If only
I have read that cc companies monitor your behavior a lot more than you think, so perhaps applying for 3 cards at 2:37am may not be such a good idea;)
Title: Re: Misc Credit Card Questions
Post by: TimT on November 19, 2015, 10:14:11 PM
I have read that cc companies monitor your behavior a lot more than you think, so perhaps applying for 3 cards at 2:37am may not be such a good idea;)
What would be the difference 2:37AM or 2:37PM ?
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 10:16:31 PM

What would be the difference 2:37AM or 2:37PM ?
2:37am might imply impulsive, irresponsible behavior, add 3bm to that and they get a shady picture...just speculating
Title: Re: Misc Credit Card Questions
Post by: TimT on November 19, 2015, 10:17:30 PM
2:37am might imply impulsive, irresponsible behavior, add 3bm to that and they get a shady picture...just speculating
Or the guy works late or has the night shift.
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 10:19:35 PM

Or the guy works late or has the night shift.
Also possibility..I'm just suggesting it as an added potential flag if you already have a suspicious application(s)
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 19, 2015, 10:21:29 PM
2:37am might imply impulsive, irresponsible behavior, add 3bm to that and they get a shady picture...just speculating
Isn't the point of the 3bm to get approved for more, so if they get a shady pic why would they approve?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 19, 2015, 10:23:05 PM
Also possibility..I'm just suggesting it as an added potential flag if you already have a suspicious application(s)
People don't seem to have much better luck in the morning or afternoon either. What's on the CR matters more to them.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 19, 2015, 10:23:49 PM
People don't seem to have much better luck in the morning or afternoon either. What's on the CR matters more to them.
+1
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 11:22:30 PM
And what's cutoff time as far as 3bm is concerned? 12am est?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 19, 2015, 11:26:32 PM
People don't seem to have much better luck in the morning or afternoon either. What's on the CR matters more to them.
It's mostly the system. If it comes down to recon, the last question they're asking you is why you applied at 2:37 AM. Why you need ten cards is a much more likely question.
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 11:34:06 PM

It's mostly the system. If it comes down to recon, the last question they're asking you is why you applied at 2:37 AM. Why you need ten cards is a much more likely question.
I don't think they would actually ask you, but you never know what factors could influence final decision when they consider the whole picture
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 11:45:22 PM

Isn't the point of the 3bm to get approved for more, so if they get a shady pic why would they approve?
That's exactly my point, if your doing a 3bm, maybe don't apply at 2:37am
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 11:46:54 PM

I have read that cc companies monitor your behavior a lot more than you think,
http://www.rd.com/advice/saving-money/credit-card-companies/
I have seen more extensive articles about this other places
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 19, 2015, 11:49:43 PM
That's exactly my point, if your doing a 3bm, maybe don't apply at 2:37am
I've never had a problem any hour of the day
Title: Re: Misc Credit Card Questions
Post by: Sport on November 19, 2015, 11:49:54 PM

I don't think they would actually ask you, but you never know what factors could influence final decision when they consider the whole picture
I highly doubt that the time of day of application has any bearings on final decision. The same way a strange business name has no affect. These are too circumstantial.
Title: Re: Misc Credit Card Questions
Post by: meme on November 19, 2015, 11:53:12 PM

I highly doubt that the time of day of application has any bearings on final decision. The same way a strange business name has no affect. These are too circumstantial.
Well wait until I get into the recon department...
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 20, 2015, 12:00:17 AM
Well wait until I get into the recon department...
And you will approve us all
Title: Re: Misc Credit Card Questions
Post by: meme on November 20, 2015, 12:06:10 AM

And you will approve us all
:) :) :)
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 20, 2015, 12:07:42 AM
I've never had a problem any hour of the day
Lucky you.
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 20, 2015, 12:11:31 AM
I've read reports that recon is easier in the morning, And personally this was also my experience, could be just a coincidence though.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 20, 2015, 12:12:47 AM
Lucky you.
Ive had problems for other reasons which is normal, but never for time of day
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 20, 2015, 12:14:25 AM
Ive had problems for other reasons which is normal, but never for time of day
Yup. Your post sounded like you were always approved right away....
Title: Re: Misc Credit Card Questions
Post by: meme on November 20, 2015, 12:15:39 AM

I've read reports that recon is easier in the morning, And personally this was also my experience, could be just a coincidence though.
You would also get cranky after dealing with a bunch of nudgy drei kups for hours
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 20, 2015, 12:15:40 AM
Yup. Your post sounded like you were always approved right away....
I was quoting  @meme post
Title: Re: Misc Credit Card Questions
Post by: meme on November 20, 2015, 12:17:32 AM

Ive had problems for other reasons which is normal, but never for time of day
How would you know all the factors that were involved when you had problems?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 20, 2015, 12:23:04 AM
How would you know all the factors that were involved when you had problems?
Recon
Title: Misc Credit Card Questions
Post by: meme on November 20, 2015, 12:26:10 AM
Recon
I know they give u official reason, but u may not know all factors that were really involved
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 20, 2015, 12:27:55 AM
I know they give u official reason, but u may know all factors that were really involved
I hear
Title: Re: Misc Credit Card Questions
Post by: Luvtotravel on November 20, 2015, 01:59:33 PM
does upgrading a bgr to plat result in pull?
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 20, 2015, 10:11:43 PM
does upgrading a bgr to plat result in pull?
No
Title: Re: Misc Credit Card Questions
Post by: meme on November 21, 2015, 10:36:22 PM
If I just sold UR points, would it be wise to wait a while before applying for new chase cc?
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 21, 2015, 10:37:14 PM
If I just sold UR points, would it be wise to wait a while before applying for new chase cc?
What does one have to do with the other?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 21, 2015, 10:37:38 PM
If I just sold UR points, would it be wise to wait a while before applying for new chase cc?
Shouldn't be a problem
Title: Re: Misc Credit Card Questions
Post by: TimT on November 21, 2015, 10:38:09 PM
If I just sold UR points, would it be wise to wait a while before applying for new chase cc?
Thats not something they check before approving.
Title: Re: Misc Credit Card Questions
Post by: meme on November 21, 2015, 10:40:21 PM

What does one have to do with the other?
The less eyes on existing accounts the better, just thought maybe they review existing accounts when considering new applications
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 21, 2015, 10:42:31 PM
The less eyes on existing accounts the better, just thought maybe they review existing accounts when considering new applications
Only what shows up on the cr. They don't manually review your existing accounts and point balances/usage.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 21, 2015, 10:45:24 PM
Only what shows up on the cr. They don't manually review your existing accounts and point balances/usage.
They do take personal history with them into account.
Title: Re: Misc Credit Card Questions
Post by: meme on November 21, 2015, 10:46:21 PM

They do take personal history with them into account.
What do you mean by personal history?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 21, 2015, 10:48:15 PM
They do take personal history with them into account.
Not point balance and usage as @jm1248 stated
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 21, 2015, 10:53:58 PM
Not point balance and usage as @jm1248 stated
They don't start reviewing accounts. If you have notes on your account or hard data on your file (ex. new ink cards not in credit report), they will take that into consideration.
Title: Re: Misc Credit Card Questions
Post by: meme on November 21, 2015, 11:41:48 PM
Is there any advantage to approval chances with a 3bm once you weren't instantly approved?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 21, 2015, 11:44:12 PM
Is there any advantage to approval chances with a 3bm once you weren't instantly approved?
It doesn't help approval. Just helps for combining credit pulls without calling.
Title: Misc Credit Card Questions
Post by: meme on November 21, 2015, 11:45:56 PM
It doesn't help approval. Just helps for combining credit pulls without calling.
According to the wiki it does raise chances of instant approval for more cards
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 21, 2015, 11:46:45 PM
According to the wiki it does raise chances of instant approval for more cards
Wiki is outdated.
Title: Re: Misc Credit Card Questions
Post by: meme on November 21, 2015, 11:47:51 PM

Wiki is outdated.
So that's been proven to be inaccurate?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 21, 2015, 11:48:35 PM
So that's been proven to be inaccurate?
They see instantly that you've applied for other cards.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 22, 2015, 12:02:37 AM
According to the wiki it does raise chances of instant approval for more cards
Which wiki are you looking at because here it doesn't say that
http://forums.dansdeals.com/index.php?topic=9825
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 12:18:09 AM

Which wiki are you looking at because here it doesn't say that
http://forums.dansdeals.com/index.php?topic=9825
I saw this in Dans post about 3bm "I recently wrote about the process of a 3BM and an AOR in this post. The advantage is that you increase your odds for instant approvals and you limit the number of hard pulls." But I might have misunderstood it
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 12:22:53 AM
I saw this in Dans post about 3bm "I recently wrote about the process of a 3BM and an AOR in this post. The advantage is that you increase your odds for instant approvals and you limit the number of hard pulls." But I might have misunderstood it
The hard pulls combining are irrelevant to the 3bm, as long as it's on the same day. Even if it's not, a quick phone call to the CRA to inquire about the duplicate inquiry should fix that. It also hasn't been shown recently to have any positive impact on approval. People just use the term 3bm to refer to a multi app.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 11:01:36 AM
Any issue with having 2 or more amex platinums at one time?
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on November 22, 2015, 11:22:54 AM
Any issue with having 2 or more amex platinums at one time?

What would the issue be? If you are talking about identical Personal Plats just be aware that you won't get the bonus x2 unless you have a no language app for one of them.
Title: Re: Misc Credit Card Questions
Post by: bermo on November 22, 2015, 12:03:23 PM
What would the issue be? If you are talking about identical Personal Plats just be aware that you won't get the bonus x2 unless you have a no language app for one of them.
What about biz?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 22, 2015, 12:04:03 PM
What about biz?
Iinm the same if its on your ss
Title: Re: Misc Credit Card Questions
Post by: Welder on November 22, 2015, 12:48:17 PM
I've been playing the game for a little more then a year now and I've collected a lot of miles, scattered, however, in many programs. I'm beginning to see how although it's nice to have my miles "diversified", I really should choose one or two programs and really stock them up. Specifically, I'm looking to be able to do an amazing honeymoon (in the right time, but IYH soon).

What specific program(s) would you recommend I focus on ? Right now I'm thinking UR and Starwood.
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on November 22, 2015, 12:52:55 PM
I've been playing the game for a little more then a year now and I've collected a lot of miles, scattered, however, in many programs. I'm beginning to see how although it's nice to have my miles "diversified", I really should choose one or two programs and really stock them up. Specifically, I'm looking to be able to do an amazing honeymoon (in the right time, but IYH soon).

What specific program(s) would you recommend I focus on ? Right now I'm thinking UR and Starwood.

No straight forward answer. Between MR,UR,SPG,AA there are many different reasons to choose between them. Where you want to go, how you want to fly etc.
Title: Re: Misc Credit Card Questions
Post by: Welder on November 22, 2015, 12:58:08 PM
No straight forward answer. Between MR,UR,SPG,AA there are many different reasons to choose between them. Where you want to go, how you want to fly etc.
Makes perfect sense, but I can't begin to plan that now.
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on November 22, 2015, 12:59:55 PM
Makes perfect sense, but I can't begin to plan that now.

Then there is no straight forward answer to give.

With the different CC's out there, it should not be too difficult to be diversified through-out the programs without having to focus too much on one single one for now.
Title: Re: Misc Credit Card Questions
Post by: TimT on November 22, 2015, 01:01:12 PM
Makes perfect sense, but I can't begin to plan that now.
Keep on collecting everything until you have a better idea. :)
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 22, 2015, 01:08:50 PM
Keep on collecting everything until you have a better idea. :)
+1
Title: Re: Misc Credit Card Questions
Post by: Welder on November 22, 2015, 01:19:15 PM
Thank you! I'll keep collecting in general but I'll narrow it down to fewer programs, instead of the many I've been collecting in.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 01:20:10 PM
Having a million UR, MR, and AA never hurt. Don't forget about TYP either.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 02:53:24 PM
Sorry if this was already asked-is chase 5/24 rule always enforced?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 22, 2015, 02:55:06 PM
Sorry if this was already asked-is chase 5/24 rule always enforced?
The success stories are becoming rarer & rarer.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 02:56:42 PM

The success stories are becoming rarer & rarer.
Is there any easy way to check my record if I am over 5/24?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 02:56:48 PM
Sorry if this was already asked-is chase 5/24 rule always enforced?

The success stories are becoming rarer & rarer.
Yup. Someone even mentioned that they told him explicitly that it was due to churners.
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 22, 2015, 03:05:12 PM
Is there any easy way to check my record if I am over 5/24?

Credit report.
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 22, 2015, 03:05:30 PM
The success stories are becoming rarer & rarer.

For UR cards, or any Chase card?
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:07:39 PM
Do they count the card(s) you are applying for?
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 22, 2015, 03:10:17 PM
Do they count the card(s) you are applying for?
No. Though not sure what would happen if you've had 4 accounts in past 24 months, and then do a 2BM (let's say SP and Freedom) and get approved for one of them off the bat and the other pending. Don't know if they would count that recently approved one as the 5th.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:11:03 PM

Credit report.
What's cheapest, quickest way to see credit report (not score)?
Title: Re: Misc Credit Card Questions
Post by: CS91 on November 22, 2015, 03:14:03 PM
What's cheapest, quickest way to see credit report (not score)?
Use Credit Karma.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:16:19 PM

Use Credit Karma.
K thanks
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:35:24 PM
How come I don't see any hard pulls from cc companies on credit report, despite applying for several in past year or two?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 22, 2015, 03:35:30 PM
For UR cards, or any Chase card?
Certainly UR
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 03:40:51 PM
How come I don't see any hard pulls from cc companies on credit report, despite applying for several in past year or two?
Possibly they all pulled from Experian.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:41:59 PM

Possibly they all pulled from Experian.
Experian was on the report too
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 03:44:41 PM
Experian was on the report too
Not credit karma. You must be confusing it with Equifax.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:48:29 PM

Not credit karma. You must be confusing it with Equifax.
You are right again :) how can I check Experian?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 03:49:26 PM
You are right again :) how can I check Experian?
Who cares? Pulls don't matter for 5/24, only new accounts.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:51:08 PM

Who cares? Pulls don't matter for 5/24, only new accounts.
Just curious what my score is, also credit karma does not show all my accounts, want to see if Experian has them
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 22, 2015, 03:53:07 PM
Just curious what my score is, also credit karma does not show all my accounts, want to see if Experian has them
If you're looking for score don't look at credit karma
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:53:40 PM

If you're looking for score don't look at credit karma
Why?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 22, 2015, 03:54:07 PM
Why?
That's a fako score not fico score
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 03:55:16 PM
Just curious what my score is, also credit karma does not show all my accounts, want to see if Experian has them
Your score from credit karma is garbage. You can get your Experian score from amex. If you've gotten any credit cards recently that pulled from Experian, you're entitled to a free credit report by law, being as your score was used to determine credit limit. If you don't see accounts in your report, they're likely new accounts that haven't hit yet. I'm guessing you opened a few amex cards recently, hence all Experian pulls and not on report yet. If so, apply for chase cards before they hit and disqualify you.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:55:24 PM

That's a fako score not fico score
They claim they can see your approval chances based on their score
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 03:55:48 PM
They claim they can see your approval chances based on their score
The score they give you is worthless. Many people say many things; it doesn't make it true. Look at the graphs in the credit score wiki for more information.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:56:48 PM

Your score from credit karma is garbage. You can get your Experian score from amex. If you've gotten any credit cards recently that pulled from Experian, you're entitled to a free credit report by law, being as your score was used to determine credit limit. If you don't see accounts in your report, they're likely new accounts that haven't hit yet. I'm guessing you opened a few amex cards recently, hence all Experian pulls and not on report yet. If so, apply for chase cards before they hit and disqualify you.
They are missing citi accounts open for years
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 22, 2015, 03:56:54 PM
The score they give you is worthless. Many people say many things; it doesn't make it true.
+1
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 03:58:02 PM

They are missing citi accounts open for years
And they don't show amex pulls or accounts from this past August
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 03:58:23 PM
They are missing citi accounts open for years
Interesting. Try to get a free credit report and see if it's there. They are occasionally missing information, but i would check a real report.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 22, 2015, 03:59:05 PM
You are right again :) how can I check Experian?

AnnualCreditReport.com
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 04:24:03 PM
Took the plunge for a 2bm - got 7-10 msg for CSP and for BA call ASAP for some questions...now what?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 22, 2015, 04:24:47 PM
Took the plunge for a 2bm - got 7-10 msg for CSP and for BA call ASAP for some questions...now what?
Call
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 04:25:34 PM

Call
U sure? Do I remember seeing not to call?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 04:29:45 PM
U sure? Do I remember seeing not to call?
No. Call.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 04:30:59 PM

No. Call.
For CSP too or just BA?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 22, 2015, 04:31:31 PM
For CSP too or just BA?
Both. CSP first, if anything.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 04:33:38 PM

Both. CSP first, if anything.
Why? What kind of questions should I expect?
Title: Re: Misc Credit Card Questions
Post by: Sport on November 22, 2015, 05:45:39 PM
For UR cards, or any Chase card?
I just got approved for a chase card (not ur) after opening 7 cards in the last 2 months
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on November 22, 2015, 05:48:03 PM
I just got approved for a chase card (not ur) after opening 7 cards in the last 2 months

Thats why its YMMV.
Title: Re: Misc Credit Card Questions
Post by: Sport on November 22, 2015, 05:49:36 PM
Thats why its YMMV.
Yup, and I have 5 other chase pers cards.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 07:17:17 PM

I just got approved for a chase card (not ur) after opening 7 cards in the last 2 months
Instant approval?
Title: Re: Misc Credit Card Questions
Post by: Sport on November 22, 2015, 07:18:20 PM
Instant approval?
No, but only because of a new address.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 07:19:22 PM

No, but only because of a new address.
Nice
Title: Re: Misc Credit Card Questions
Post by: Sport on November 22, 2015, 07:21:20 PM
Nice
Yeah I was slightly suprised, thought I would need to move over some cl from one of my freedoms.
Was even more suprised by the cl I was approved for.
Title: Re: Misc Credit Card Questions
Post by: meme on November 22, 2015, 07:23:38 PM
What's your credit score?
Title: Re: Misc Credit Card Questions
Post by: Sport on November 22, 2015, 07:41:02 PM
What's your credit score?
High 700s
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 22, 2015, 08:22:17 PM
Yeah I was slightly suprised, thought I would need to move over some cl from one of my freedoms.
Was even more suprised by the cl I was approved for.
How much?
Title: Re: Misc Credit Card Questions
Post by: Jack out of the box on November 23, 2015, 02:40:08 AM
I just got approved for a chase card (not ur) after opening 7 cards in the last 2 months
Could it be that the 7 new cards hadn't hit the credit report yet?
Title: Re: Misc Credit Card Questions
Post by: sammy n on November 23, 2015, 03:38:41 AM
Could it be that the 7 new cards hadn't hit the credit report yet?
No
Title: Re: Misc Credit Card Questions
Post by: Slims on November 23, 2015, 11:30:16 AM
I received 2 offers in the mail from Citi for American Airline cards with 60,000 point signup bonuses. The invitation codes are different. The offers dont expire until 12/31. Does anyone have any experience in getting approved twice for the same card through pre-qualified? should I do a 2bm or am I wasting my time?

Thanks for the Help
(I never had a citi card before)
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 23, 2015, 11:38:46 AM
I received 2 offers in the mail from Citi for American Airline cards with 60,000 point signup bonuses. The invitation codes are different. The offers dont expire until 12/31. Does anyone have any experience in getting approved twice for the same card through pre-qualified? should I do a 2bm or am I wasting my time?

Thanks for the Help
(I never had a citi card before)
Pre-qualified just means you can apply. Does not guarantee approval.
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 23, 2015, 11:39:20 AM
Do they have the 18 month language?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 23, 2015, 12:37:55 PM
I received 2 offers in the mail from Citi for American Airline cards with 60,000 point signup bonuses. The invitation codes are different. The offers dont expire until 12/31. Does anyone have any experience in getting approved twice for the same card through pre-qualified? should I do a 2bm or am I wasting my time?

Thanks for the Help
(I never had a citi card before)

You can't 2bm with Citi.

If the offers don't have the 18 month language on them, you can sign up for the 1st one on day 1 and then the 2nd one on day 8.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 23, 2015, 12:38:57 PM
Pre-qualified just means you can apply. does not guarantee approval.

But pre-qualified usually means no 18 month language.
Title: Re: Misc Credit Card Questions
Post by: bermo on November 23, 2015, 01:27:32 PM
But pre-qualified usually means no 18 month language.
Are they transferable?
But pre-qualified usually means no 18 month language.
Title: Re: Misc Credit Card Questions
Post by: meme on November 23, 2015, 02:42:23 PM
Can I move partial CL from chase biz to personal?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 23, 2015, 02:45:07 PM
Can I move partial CL from chase biz to personal?
I don't think they usually move that way.
Title: Re: Misc Credit Card Questions
Post by: shie123 on November 23, 2015, 03:07:36 PM
Yesterday I saw a new option on Amex, You can move your Due date online.
But today I can't find it, Can someone help me?
Title: Re: Misc Credit Card Questions
Post by: shie123 on November 23, 2015, 03:09:45 PM
Who cares? Pulls don't matter for 5/24, only new accounts.
Does the 5/24 rule effect instant approvals as well?
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 23, 2015, 03:10:30 PM
Yesterday I saw a new option on Amex, You can move your Due date online.
But today I can't find it, Can someone help me?
bump
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 23, 2015, 03:21:01 PM
what amex cards besides of the plat and prg can I do pggm?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 23, 2015, 03:21:33 PM
what amex cards besides of the plat and prg can I do pggm?
MB Platinum.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 23, 2015, 03:21:48 PM
what amex cards besides of the plat and prg can I do pggm?
Delta
Title: Re: Misc Credit Card Questions
Post by: shie123 on November 23, 2015, 03:21:55 PM
bump
Huh Marko?
Title: Re: Misc Credit Card Questions
Post by: shie123 on November 23, 2015, 03:23:06 PM
Delta
Your'e reffering to the Signup $100/$50?
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on November 23, 2015, 03:23:23 PM
Delta

Thats the airline. He is asking with what other cards can this be done.

MB Plat, Biz Plat.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 23, 2015, 03:24:14 PM
Thats the airline. He is asking with what other cards can this be done.

MB Plat, Biz Plat.
Nope, you can do pggm do get the credit on delta card. You just mentioned other platinum flavors.
Title: Re: Misc Credit Card Questions
Post by: benjie1305 on November 23, 2015, 03:25:24 PM
Nope, you can do pggm do get $50 credit on delta card. You just mentioned other platinum flavors.

Fair enough. Misunderstood your comment then.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 23, 2015, 03:26:26 PM
Fair enough. Misunderstood your comment then.
Yeah, i should have been more clear.
Title: Re: Misc Credit Card Questions
Post by: yehuda645 on November 23, 2015, 03:54:27 PM
Does pggm work for the travel credit on the citi prestige?
Thank you
Title: Re: Misc Credit Card Questions
Post by: D93 on November 23, 2015, 03:55:03 PM
Your'e reffering to the Signup $100/$50?

Yes
Title: Re: Misc Credit Card Questions
Post by: compddd on November 24, 2015, 12:06:33 PM
Do I need to remove an AU first before closing a card? Or will the AU card be closed as well when I close the main card?
Title: Re: Misc Credit Card Questions
Post by: meme on November 24, 2015, 12:07:23 PM

Do I need to remove an AU first before closing a card? Or will the AU card be closed as well when I close the main card?
Will close automatically
Title: Re: Misc Credit Card Questions
Post by: TimT on November 24, 2015, 12:07:34 PM
Do I need to remove an AU first before closing a card? Or will the AU card be closed as well when I close the main card?
Just close the main card. They'll even tell you to notify all the au's that its closed.
Title: Re: Misc Credit Card Questions
Post by: srap on November 24, 2015, 12:09:31 PM
Will close automatically
Does it affect the AU's credit report in any way?
Title: Re: Misc Credit Card Questions
Post by: meme on November 24, 2015, 12:13:04 PM

Do I need to remove an AU first before closing a card? Or will the AU card be closed as well when I close the main card?
One consideration may be as being discussed in chase recon thread, AU openings count for 5/24, if when account is closed it still appears on AU record, you may want to remove AU first, don't know if this is true, just throwing it out there
Title: Re: Misc Credit Card Questions
Post by: meme on November 24, 2015, 12:14:12 PM

Does it affect the AU's credit report in any way?
It means less CL available and effects average length of open accounts
Title: Re: Misc Credit Card Questions
Post by: srap on November 24, 2015, 01:07:47 PM
It means less CL available and effects average length of open accounts
Makes sense, hadn't thought of that.
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 24, 2015, 04:31:14 PM
Makes sense, hadn't thought of that.
But if you remove it before closing, it will show "Terminated" on the report.
Title: Re: Misc Credit Card Questions
Post by: meme on November 24, 2015, 04:36:05 PM

But if you remove it before closing, it will show "Terminated" on the report.
So?
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 24, 2015, 05:25:04 PM
I wana open now csp for me and my wife to receive 50k bonus but I'm not planning to spend 2x $4000 =$8000 in the news 90 days any idea what I can do to meet spend threshold?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 24, 2015, 05:30:18 PM
I wana open now csp for me and my wife to receive 50k bonus but I'm not planning to spend 2x $4000 =$8000 in the news 90 days any idea what I can do to meet spend threshold?
GC's ?
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 24, 2015, 05:57:04 PM
GC's ?
just stack on with gc by the stored I will use it? Is it safe?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 24, 2015, 05:59:04 PM
just stack on with gc by the stored I will use it? Is it safe?
Could you rephrase that ? I'm not understanding.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 24, 2015, 06:06:37 PM
just stack on with gc by the stored I will use it? Is it safe?
If you mean to ask if it would work to buy 8k in gift cards to a store you will spend 8k in anyways, that will work. You lose your credit card purchase protection, though.
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 24, 2015, 06:07:32 PM
Could you rephrase that ? I'm not understanding.
whats the idea of gift cards? I should by gift cards by stores I'm going to use it or what? And what about doing refundable tickets etc. Is it safe with chase?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 24, 2015, 06:09:32 PM
whats the idea of gift cards? I should by gift cards by stores I'm going to use it or what? And what about doing refundable tickets etc. Is it safe with chase?
I would faster buy visa gift cards and cash them out. There are tens of thousands of posts here detailing how to do that.
Refundable are generally not recommended.
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 24, 2015, 06:11:41 PM
 :(
Refundable aren't recommended. I would by visa gift cards and cash them out. There are tens of thousands of posts here detailing how to do that.
why wouldent you recommend?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 24, 2015, 06:12:01 PM
:(why wouldent you recommend?
Asking for trouble.
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 24, 2015, 06:13:25 PM
Asking for trouble.
what trouble like a fr by amex?
Title: Re: Misc Credit Card Questions
Post by: yitzy93 on November 24, 2015, 06:14:14 PM
Asking for trouble.
What kinda trouble?
Confiscating miles or worse?
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 24, 2015, 06:14:36 PM
how can I cash out that visa gift cards? I dont have time to look over now thousands of post
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 24, 2015, 06:17:39 PM
how can I cash out that visa gift cards? I dont have time to look over now thousands of post
Read the serve thread with the wiki, the blue bird thread with the wiki, (the money order thread at your own risk), (the plastiq thread at your own risk), or google Million Miles Secrets (just kidding).
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 24, 2015, 06:18:52 PM
I dont believe that the ppl here doing 3bm and opening credit cards every day are really so rich they have where to spend and pay all that huge spending thresholds in 90 days
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 24, 2015, 06:20:15 PM
Read the serve thread with the wiki, the blue bird thread with the wiki, (the money order thread at your own risk), (the plastiq thread at your own risk), or google Million Miles Secrets (just kidding).
thanks are the blue bird and serve method safe? And still working?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 24, 2015, 06:21:28 PM
I dont believe that the ppl here doing 3bm and opening credit cards every day are really so rich they have where to spend and pay all that huge spending thresholds in 90 days
Correct. Anyways, that would be no fun. That's why there's an incredible amount of data and knowledge here about MS. However, nobody wants to spoonfeed after silencing the time to gather the knowledge themselves, so the only solution is to read, read, read.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 24, 2015, 06:21:51 PM
thanks are the blue bird and serve method safe? And still working?
Read the thread.
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 24, 2015, 06:23:08 PM
thanks are the blue bird and serve method safe? And still working?
You need to spend some hours reading and researching before you buy $8K of gift cards....
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 24, 2015, 06:26:34 PM
Read the thread.
I have to read now the whole thread?  ::)
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 24, 2015, 06:27:50 PM
I have to read now the whole thread?  ::)
The wiki will tell you the basic methodology, the recent pages will tell you recent reports about the effectiveness of said methodology.
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 24, 2015, 06:28:53 PM
The wiki will tell you the basic methodology, the recent pages will tell you recent reports about the effectiveness of said methodology.
thanks loads
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 24, 2015, 06:37:08 PM
I have to read now the whole thread?  ::)
Always know where you are going to throw the grenade prior to pulling the pin
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 24, 2015, 06:54:18 PM
You need to spend some hours reading and researching before you buy $8K of gift cards....
+1000 Start small, and as you get more comfortable build your way up. Don't limit yourself to one method, or you'll be in trouble should that method die, as these things tend to. And don't buy more than you can afford to temporarily float, or one hiccup can wipe you out.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 24, 2015, 06:56:19 PM
What kinda trouble?
Confiscating miles or worse?
Chase can shut you down....
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 24, 2015, 06:57:21 PM
Is it permissble  to eat turkey on thanksgiving
Wrong thread but to answer you why not its not a religious holiday
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 24, 2015, 06:59:49 PM
Wrong thread but to answer you why not its not a religious holiday
Lol. Someone took my phone and wrote that, not me, but Reb Moshe happens to have a teshuva regarding Thanksgiving. Not so simple. If this person had asked me first, I'd have told him to write it in the hashkafic shaylos thread.
Title: Re: Misc Credit Card Questions
Post by: meme on November 24, 2015, 08:07:06 PM

I have to read now the whole thread?  ::)
No, you have to read the whole thread now. ;)
Title: Re: Misc Credit Card Questions
Post by: meme on November 24, 2015, 11:41:16 PM
Is BA travel together award ticket transferable? Is it possible to sell it with avios?
Title: Re: Misc Credit Card Questions
Post by: DMYD on November 24, 2015, 11:59:32 PM
Is BA travel together award ticket transferable? Is it possible to sell it with avios?
No
Title: Re: Misc Credit Card Questions
Post by: meme on November 25, 2015, 12:01:17 AM

No
Only redeemable if member flies himself with partner?
Title: Re: Misc Credit Card Questions
Post by: DMYD on November 25, 2015, 12:04:01 AM
Only redeemable if member flies himself with partner?
Correct
Title: Re: Misc Credit Card Questions
Post by: compddd on November 25, 2015, 09:09:35 AM
If I closed a Chase UR card that had 1,000 points on it that I forgot to transfer, am I screwed and lost the points?
Title: Re: Misc Credit Card Questions
Post by: meme on November 25, 2015, 09:11:01 AM

If I closed a Chase UR card that had 1,000 points on it that I forgot to transfer, am I screwed and lost the points?
Think u have 30 days
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 25, 2015, 09:11:36 AM
If I closed a Chase UR card that had 1,000 points on it that I forgot to transfer, am I screwed and lost the points?
Yes. But hey at least it's only 1000!
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 25, 2015, 09:12:14 AM
Think u have 30 days
-1
Not with chase, gone immediately IME.
Title: Re: Misc Credit Card Questions
Post by: compddd on November 25, 2015, 09:13:15 AM
Argh! :(
Title: Re: Misc Credit Card Questions
Post by: meme on November 25, 2015, 09:13:58 AM

-1
Not with chase, gone immediately IME.
Rep told me two days ago that I have 30   days (for 73 points lol)
Title: Re: Misc Credit Card Questions
Post by: compddd on November 25, 2015, 09:14:59 AM
I bought something on Amazon using the last 1,000 UR points on the account and then stupidly cancelled the card the next day, and then I got an email from Amazon saying payment declined and now my 1,000 points are gone. Do you think they'll show back up on the UR site if Amazon refunds them?
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 25, 2015, 09:15:47 AM
Argh! :(
Simplest way to know for sure is to check your Acct balance, but like I said IME it disappeared right away.
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 25, 2015, 09:17:45 AM
I bought something on Amazon using the last 1,000 UR points on the account and then stupidly cancelled the card the next day, and then I got an email from Amazon saying payment declined and now my 1,000 points are gone. Do you think they'll show back up on the UR site if Amazon refunds them?
Honestly I would say that you would have better luck fighting it out on Amazons end. Tell them that you thought the payment went through already, and now you are out the points and you want a $15-$20 credit.
Title: Re: Misc Credit Card Questions
Post by: meme on November 25, 2015, 09:18:50 AM

Simplest way to know for sure is to check your Acct balance, but like I said IME it disappeared right away.
Just checked my account that I closed 2 days ago and points are still there
Title: Re: Misc Credit Card Questions
Post by: sammy n on November 25, 2015, 09:19:12 AM
If I closed a Chase UR card that had 1,000 points on it that I forgot to transfer, am I screwed and lost the points?
PUTPAC I believe you can get them back.
Title: Re: Misc Credit Card Questions
Post by: meme on November 25, 2015, 09:23:57 AM
here is screenshot
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 25, 2015, 10:15:06 AM
Honestly I would say that you would have better luck fighting it out on Amazons end. Tell them that you thought the payment went through already, and now you are out the points and you want a $15-$20 credit.
Gonna be a lot of work for $10 when it's the posters error...
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 25, 2015, 10:58:36 AM
Anyone have a clue why Amex not allowing me to pay down current account balance to increase my available credit? System is only allowing me to pay last statement balance... Any way around this? Maybe it's because I have auto pay on?
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 25, 2015, 11:09:48 AM
Anyone have a clue why Amex not allowing me to pay down current account balance to increase my available credit? System is only allowing me to pay last statement balance... Any way around this? Maybe it's because I have auto pay on?
New account? Try paying on mobile or if you have an AU, pay from their account.
Title: Re: Misc Credit Card Questions
Post by: compddd on November 25, 2015, 11:12:11 AM
I live chatted with Amazon and they put a $10 credit on my account.
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 25, 2015, 11:40:14 AM
Anyone have a clue why Amex not allowing me to pay down current account balance to increase my available credit? System is only allowing me to pay last statement balance... Any way around this? Maybe it's because I have auto pay on?
a rep will be able to push that thru, it usually happens when you add a new bank account to the account
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 25, 2015, 11:42:40 AM
Anyone have a clue why Amex not allowing me to pay down current account balance to increase my available credit? System is only allowing me to pay last statement balance... Any way around this? Maybe it's because I have auto pay on?
You can't initiate a bill pay from another source, or you need increased limit instantly?
Title: Re: Misc Credit Card Questions
Post by: username on November 25, 2015, 11:46:10 AM
Can i ask Chase to remove some pending charges?

(In Office max, they sometimes call in to 'preauthorize your credit card. Not sure if this always happens, but in this case the actual charge was a different amount than the final purchase. I now have some big temporary pending authorizations that are eating up my available credit)

Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 25, 2015, 11:47:59 AM
I remember reading somewhere (I think on ddms) that its not the best thing to have too much total credit, what does that exactly mean? I have to watch my total credit limit shouldn't be more then my reported income or what?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 25, 2015, 11:52:08 AM
I remember reading somewhere (I think on ddms) that its not the best thing to have too much total credit, what does that exactly mean? I have to watch my total credit limit shouldn't be more then my reported income or what?
Its mentioned in the Amex F/R Master Thread (http://forums.dansdeals.com/index.php?topic=8.0). Check the wiki
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 25, 2015, 11:56:40 AM
Its mentioned in the . Check the wiki
 (http://F/R Master Thread[/url)
I only see in the wiki talking about having a cl of 25k and up but that is if you have it on one card, how about having a large cl total from multiple cards and banks, but no big cl on a single card?
Title: Re: Misc Credit Card Questions
Post by: Jm1248 on November 25, 2015, 12:02:56 PM
I only see in the wiki talking about having a cl of 25k and up but that is if you have it on one card, how about having a large cl total from multiple cards and banks, but no big cl on a single card?
Should be fine
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 25, 2015, 12:09:02 PM
Should be fine
thanks but how do banks look at it when they see I have a cl close to my reported yearly income?
Title: Re: Misc Credit Card Questions
Post by: username on November 25, 2015, 12:11:30 PM
Can i ask Chase to remove some pending charges?

(In Office max, they sometimes call in to 'preauthorize your credit card. Not sure if this always happens, but in this case the actual charge was a different amount than the final purchase. I now have some big temporary pending authorizations that are eating up my available credit)



Chase rep said no, they need to wait for OM to either post the transaction, or if not, they will fall off in 1-2 days.
:(

is this a case of DROPR? or Huca?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 25, 2015, 12:14:34 PM
Chase rep said no, they need to wait for OM to either post the transaction, or if not, they will fall off in 1-2 days.
:(

is this a case of DROPR? or Huca?

Call OM and ask them to call Chase.
Title: Re: Misc Credit Card Questions
Post by: username on November 25, 2015, 12:18:54 PM
Call OM and ask them to call Chase.
Sounds like it will be a big hassle. Anyone ever done this?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 25, 2015, 12:21:53 PM
Sounds like it will be a big hassle. Anyone ever done this?

Yes and was actually pretty simple.
Title: Re: Misc Credit Card Questions
Post by: ydf on November 25, 2015, 12:29:26 PM
thanks but how do banks look at it when they see I have a cl close to my reported yearly income?
why should it be a problem?
Title: Re: Misc Credit Card Questions
Post by: username on November 25, 2015, 12:30:27 PM
Yes and was actually pretty simple.
who, what number did you call?
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 25, 2015, 12:31:53 PM
why should it be a problem?
I just remember I have seen this in the threads here I cant recall exactly where
Title: Re: Misc Credit Card Questions
Post by: D93 on November 25, 2015, 12:32:09 PM
who, what number did you call?

Don't remember exactly, but I think it was regular customer service.
Title: Re: Misc Credit Card Questions
Post by: ydf on November 25, 2015, 12:36:20 PM
I just remember I have seen this in the threads here I cant recall exactly where
if so, @mendelsshon should know the best answer on this
Title: Re: Misc Credit Card Questions
Post by: PillanSmye on November 25, 2015, 12:58:56 PM
I just remember I have seen this in the threads here I cant recall exactly where
It's not a problem.  I have nearly three times my stated income in credit limits that report to personal.
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 25, 2015, 01:01:53 PM
It's not a problem.  I have nearly three times my stated income in credit limits that report to personal.
thanks
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 25, 2015, 01:03:10 PM
Read the serve thread with the wiki, the blue bird thread with the wiki, (the money order thread at your own risk), (the plastiq thread at your own risk), or google Million Miles Secrets (just kidding).
can someone pls post a link to the right blue bird and serve threads? Thanks
Title: Re: Misc Credit Card Questions
Post by: D93 on November 25, 2015, 01:04:45 PM
can someone pls post a link to the right blue bird and serve threads? Thanks

BlueBird (http://forums.dansdeals.com/index.php?topic=21024.0)

Serve (http://forums.dansdeals.com/index.php?topic=6437.0)
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 25, 2015, 01:34:50 PM
here is screenshot
Do you really worry if see your last 4 digits... ;)
Title: Re: Misc Credit Card Questions
Post by: compddd on November 25, 2015, 01:36:49 PM
How long after cancelling an Ink will I see the AF refunded? It's only been 4 months since I got charged the AF.
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 25, 2015, 01:37:14 PM
How long after cancelling an Ink will I see the AF refunded? It's only been 4 months since I got charged the AF.
If not cancelled within 60 days, no refund.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 25, 2015, 01:37:41 PM


Do you really worry if we see your last 4 digits of a canceled card... ;)
FTFY
Title: Re: Misc Credit Card Questions
Post by: D93 on November 25, 2015, 01:37:56 PM
How long after cancelling an Ink will I see the AF refunded? It's only been 4 months since I got charged the AF.

After 60 days, they need to do it manually.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 25, 2015, 01:38:09 PM
If not cancelled within 60 days, no refund.

-1
Title: Re: Misc Credit Card Questions
Post by: compddd on November 25, 2015, 01:38:19 PM
If not cancelled within 60 days, no refund.

It's supposed to be 6 months on Chase.
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 25, 2015, 01:38:40 PM
It's supposed to be 6 months on Chase.
My bad. Thinking Amex.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 25, 2015, 01:39:42 PM
My bad. Thinking Amex.

-0.5

Amex is prorated.
Title: Re: Misc Credit Card Questions
Post by: compddd on November 25, 2015, 01:40:09 PM
My bad. Thinking Amex.

Pretty sure Amex prorates your AF refund if you cancel after 60 days.
Title: Re: Misc Credit Card Questions
Post by: Marco Polo on November 25, 2015, 01:40:58 PM
-0.5

Amex is prorated.
I meant for full refund, but yes.
Title: Re: Misc Credit Card Questions
Post by: emjee on November 25, 2015, 01:45:59 PM
Question - IIRC , it was mentioned above or in the plat thread that it's possible to have multiple amex biz plats - ssn + TID or multiple TID's and still get bonus for each of them?
Title: Re: Misc Credit Card Questions
Post by: D93 on November 25, 2015, 01:50:42 PM
Question - IIRC , it was mentioned above or in the plat thread that it's possible to have multiple amex biz plats - ssn + TID or multiple TID's and still get bonus for each of them?

Bonus goes by SSN.
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 25, 2015, 01:51:29 PM
here is screenshot
Weird. IIRC it disappeared immediately in my case. I think it was a freedom card.
Title: Re: Misc Credit Card Questions
Post by: meme on November 25, 2015, 01:57:40 PM

Do you really worry if see your last 4 digits... ;)
These days security is gotta be a rule with no exceptions...
Title: Re: Misc Credit Card Questions
Post by: meme on November 25, 2015, 01:59:50 PM

Weird. IIRC it disappeared immediately in my case. I think it was a freedom card.
How long ago was that? Maybe they changed system
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 25, 2015, 02:02:40 PM
These days security is gotta be a rule with no exceptions...
Especially with closed accounts... ;)
Title: Re: Misc Credit Card Questions
Post by: username on November 25, 2015, 02:05:43 PM
Especially with closed accounts... ;)
I know that most here are joking, but even with an expired card, thieves can get you. Suppose they figure out your card #, call up the bank, and then after shmoozing about the account, they say, "oh, can you check my other accounts", or "are there any other cards that I am eligible for".

No difference between a closed or an open account, in this respect.
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 25, 2015, 02:07:43 PM
I know that most here are joking, but even with an expired card, thieves can get you. Suppose they figure out your card #, call up the bank, and then after shmoozing about the account, they say, "oh, can you check my other accounts", or "are there any other cards that I am eligible for".

No difference between a closed or an open account, in this respect.
But with chase there is no chance of having any other cards...
Title: Re: Misc Credit Card Questions
Post by: meme on November 25, 2015, 02:08:18 PM

But with chase there is no chance of having any other cards...
Huh?
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 25, 2015, 02:11:32 PM
Huh?
Simple, if chase closes your card there is no 2nd chance...
Title: Re: Misc Credit Card Questions
Post by: meme on November 25, 2015, 02:13:54 PM

Simple, if chase closes your card there is no 2nd chance...
-1
Actually I closed that account myself voluntarily, and even if Chase closed it you can still have other open accounts
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 25, 2015, 02:16:05 PM
-1
Actually I closed that account myself voluntarily, and even if Chase closed it you can still have other open accounts
I see.
Title: Re: Misc Credit Card Questions
Post by: tzifanya54 on November 25, 2015, 02:23:20 PM
How long ago was that? Maybe they changed system
It was deffinetly a while ago (maybe 2 years). It could be they switched once they started giving people access to the points in a closed (due to aa) account.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 25, 2015, 02:33:27 PM

New account? Try paying on mobile or if you have an AU, pay from their account.
Yes new credit card... Tried mobile and online and don't have any AU
Title: Re: Misc Credit Card Questions
Post by: emjee on November 25, 2015, 02:35:28 PM
Bonus goes by SSN.
Thanx
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 25, 2015, 02:35:54 PM

New account? Try paying on mobile or if you have an AU, pay from their account.
any idea why they only allow statement balance on new accounts? And how long is new account considered new?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 25, 2015, 03:12:49 PM

a rep will be able to push that thru, it usually happens when you add a new bank account to the account
Ok thank you! Any idea why they do that?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 25, 2015, 03:13:18 PM

You can't initiate a bill pay from another source, or you need increased limit instantly?
need increase availability immediately
Title: Re: Misc Credit Card Questions
Post by: Yingerman on November 25, 2015, 04:10:22 PM
need increase availability immediately
So call immediately...
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 25, 2015, 04:27:24 PM
So call immediately...
+1
Title: Re: Misc Credit Card Questions
Post by: Jack out of the box on November 25, 2015, 06:18:03 PM
Can i ask Chase to remove some pending charges?

(In Office max, they sometimes call in to 'preauthorize your credit card. Not sure if this always happens, but in this case the actual charge was a different amount than the final purchase. I now have some big temporary pending authorizations that are eating up my available credit)
If the charges already posted but pending charges are lingering then I think they can fix it. I have had it also and if I remember correctly chase cleared it for me.
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 25, 2015, 06:41:43 PM
I called amex to remove a pending charge but they said they can only dispute it once the charge is posted? I rather want it removed while pending then open a dispute, is it True or huca?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 25, 2015, 06:45:37 PM

So call immediately...
do you know why they don't allow such payments from new account?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 25, 2015, 06:54:47 PM
I called amex to remove a pending charge but they said they can only dispute it once the charge is posted? I rather want it removed while pending then open a dispute, is it True or huca?
Cmiiw but How can they remove it if it's not posted to your account yet?
Title: Re: Misc Credit Card Questions
Post by: Jack out of the box on November 25, 2015, 06:56:25 PM
I called amex to remove a pending charge but they said they can only dispute it once the charge is posted? I rather want it removed while pending then open a dispute, is it True or huca?
Don't know about Amex but I've gotten the same answer from another bank.
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 25, 2015, 11:34:23 PM
can someone tell me what a credit union is? I have no idea whatsoever that means
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 25, 2015, 11:36:39 PM
can someone tell me what a credit union is? I have no idea whatsoever that means
Basically a co-op bank.
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 25, 2015, 11:37:24 PM
can someone tell me what a credit union is? I have no idea whatsoever that means
Giyf plenty of info
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 25, 2015, 11:38:57 PM
Basically a co-op bank.
what is there use? They have own cc or what?
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 25, 2015, 11:39:45 PM
what is there use? They have own cc or what?
Savings and investments...
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 25, 2015, 11:39:53 PM
what is there use? They have own cc or what?
It's the same thing as a bank, basically. They have credit cards just like banks do.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 25, 2015, 11:43:04 PM
Giyf plenty of info
http://bfy.tw/2yqx
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 25, 2015, 11:44:37 PM
http://bfy.tw/2yqx
Title: Re: Misc Credit Card Questions
Post by: unclesam on November 26, 2015, 08:01:01 AM
Got 2 new Amex cards. Can't activate or create online account online comes up message to call. Anyone had that before and what should I expect when calling? Thanks
Title: Re: Misc Credit Card Questions
Post by: pixi on November 26, 2015, 08:14:36 AM
Does discover pull your credit when asking for a limit increase?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 26, 2015, 08:16:03 AM
Got 2 new Amex cards. Can't activate or create online account online comes up message to call. Anyone had that before and what should I expect when calling? Thanks
They'll probably ask for ssn. :)
Title: Re: Misc Credit Card Questions
Post by: unclesam on November 26, 2015, 08:30:23 AM
They'll probably ask for ssn. :)
I hope that's it. Never had that before
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 26, 2015, 08:43:14 AM
I hope that's it. Never had that before
Try chatting with them and see
Title: Re: Misc Credit Card Questions
Post by: LoLo on November 26, 2015, 08:56:16 AM
Does discover pull your credit when asking for a limit increase?
IME no, but always confirm with rep.
Title: Re: Misc Credit Card Questions
Post by: shie123 on November 26, 2015, 09:30:06 AM
Does the 5/24 rule effect instant approvals as well?
BUMP
Title: Re: Misc Credit Card Questions
Post by: Emkay on November 26, 2015, 11:09:04 AM
BUMP
Not sure your question. You want to know if its hard coded and no chance of instant approval? No, it's not. Its possible
Title: Re: Misc Credit Card Questions
Post by: meme on November 26, 2015, 12:09:10 PM
I'm not sure(!) if I have ever had an Amex personal platinum, how can I figure that out (without making an awkward Amex call)?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 26, 2015, 12:16:04 PM
I'm not sure(!) if I have ever had an Amex personal platinum, how can I figure that out (without making an awkward Amex call)?
Just make the call. You'll never see the rep again in your life.
Title: Re: Misc Credit Card Questions
Post by: meme on November 26, 2015, 12:21:03 PM

Just make the call. You'll never see the rep again in your life.
Shouldn't be nervous about them noticing many opened/closed accounts, many biz accounts?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 26, 2015, 12:30:10 PM
Shouldn't be nervous about them noticing many opened/closed accounts, many biz accounts?
They shouldn't make an issue.
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 26, 2015, 12:46:45 PM
I had an automatic charge by some company every month I wanted to cancel it so I called amex that I lost that card and they stopped the card and send me a new one, but even with the new one that charge came up last month when I called in amex they told me that if its a automatic charge every month even card number change system will still let it go thru, so is there any other way I can stop that charge every month on amex side beside disputing it?
Title: Re: Misc Credit Card Questions
Post by: bermo on November 26, 2015, 01:00:51 PM


I had an automatic charge by some company every month I wanted to cancel it so I called amex that I lost that card and they stopped the card and send me a new one, but even with the new one that charge came up last month when I called in amex they told me that if its a automatic charge every month even card number change system will still let it go thru, so is there any other way I can stop that charge every month on amex side beside disputing it?

I had a similar issue. Nothing worked on Amex side.
In the end I let the company know that I was planning on disputing the charge.
Good luck
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 26, 2015, 01:04:57 PM

I had a similar issue. Nothing worked on Amex side.
In the end I let the company know that I was planning on disputing the charge.
Good luck
thanks, but thats wired if I cancel a card it sholdent work anymore 
Title: Re: Misc Credit Card Questions
Post by: Buruch on November 26, 2015, 01:05:08 PM
Not sure your question. You want to know if its hard coded and no chance of instant approval? No, it's not. Its possible

I have seen reports about the ink. Have you seen any reports regarding the csp?
Title: Re: Misc Credit Card Questions
Post by: Emkay on November 26, 2015, 01:06:17 PM
I have seen reports about the ink. Have you seen any reports regarding the csp?
Reports that people still got it? Yes
Title: Re: Misc Credit Card Questions
Post by: bermo on November 26, 2015, 01:06:34 PM
I have seen reports about the ink. Have you seen any reports regarding the csp?
Yes I know someone that got it
Title: Re: Misc Credit Card Questions
Post by: bermo on November 26, 2015, 01:08:56 PM
thanks, but thats wired if I cancel a card it sholdent work anymore
No since the original charge was authorized by you as a recurring charge it will continue On the account regardless of the number of the cc
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 26, 2015, 01:14:12 PM
No since the original charge was authorized by you as a recurring charge it will continue On the account regardless of the number of the cc
ok, that card was a au card on my account, now what do you think if I close completely that au not just replace the card, will that automatic charge since go thru since the primary card is still open? 
Title: Re: Misc Credit Card Questions
Post by: Buruch on November 26, 2015, 01:16:44 PM
Yes I know someone that got it

And they were 5 primaries - not AUs?
Title: Re: Misc Credit Card Questions
Post by: bermo on November 26, 2015, 01:17:32 PM
And they were 5 primaries - not AUs?
All primaries
Title: Re: Misc Credit Card Questions
Post by: Buruch on November 26, 2015, 01:18:40 PM
Thanks!
Title: Re: Misc Credit Card Questions
Post by: ydf on November 26, 2015, 01:49:31 PM
I'm a little backdated, but is there still any way/trick to backdated a amex card to report old opening date? What about if I add myself as an au to a person with a old amex card, any way that still works?
Title: Re: Misc Credit Card Questions
Post by: shie123 on November 26, 2015, 02:17:54 PM
Not sure your question. You want to know if its hard coded and no chance of instant approval? No, it's not. Its possible
Yes,Thanks!
Title: Re: Misc Credit Card Questions
Post by: D93 on November 26, 2015, 05:37:22 PM
I'm a little backdated, but is there still any way/trick to backdated a amex card to report old opening date? What about if I add myself as an au to a person with a old amex card, any way that still works?

Amex no longer backdates.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 27, 2015, 12:27:31 AM
Looking to a apply for Amex card... Which card is best? Amex Blue for Business that earn 1.3 points per dollar? Am I supposed to be applying for several cards at once (2BM, 3BM, etc?). Any advice would  be appreciated. Thank you!
Title: Re: Misc Credit Card Questions
Post by: pixi on November 27, 2015, 12:37:43 AM
Looking to a apply for Amex card... Which card is best? Amex Blue for Business that earn 1.3 points per dollar? Am I supposed to be applying for several cards at once (2BM, 3BM, etc?). Any advice would  be appreciated. Thank you!
Amex everyday preferred is one of the best cards out there.
Do a 3bm or more (last time I did 6bm).
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 27, 2015, 12:38:58 AM
Amex everyday preferred is one of the best cards out there.
Do a 3bm or more (last time I did 6bm).
and you got a fr....
Title: Re: Misc Credit Card Questions
Post by: pixi on November 27, 2015, 12:39:13 AM
Looking to a apply for Amex card... Which card is best? Amex Blue for Business that earn 1.3 points per dollar? Am I supposed to be applying for several cards at once (2BM, 3BM, etc?). Any advice would  be appreciated. Thank you!

Amex everyday preferred is one of the best cards out there.
Do a 3bm or more (last time I did 6bm).
Or if you want a business card,  get yourself  BRG with the 75k offer or the platinum card with the 150k offer
Title: Re: Misc Credit Card Questions
Post by: pixi on November 27, 2015, 12:39:49 AM
and you got a fr....
Is a 6bm a trigger?  What makes you think so?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 27, 2015, 12:48:17 AM
Or if you want a business card,  get yourself  BRG with the 75k offer or the platinum card with the 150k offer
Not chopping.. BRG is showing 25k.. Dan posted the Blue Business is good, no? I only do if 3BM if Im looking to apply for multiple cards at once right? I think Im just looking for one card right now...
Title: Re: Misc Credit Card Questions
Post by: D93 on November 27, 2015, 12:49:07 AM
and you got a fr....
.... and passed.
Title: Re: Misc Credit Card Questions
Post by: pixi on November 27, 2015, 12:49:27 AM
Not chopping.. BRG is showing 25k.. Dan posted the Blue Business is good, no? I only do if 3BM if Im looking to apply for multiple cards at once right? I think Im just looking for one card right now...
You can buy the business 75k offer,  pm me I have one for sale.
Title: Re: Misc Credit Card Questions
Post by: pixi on November 27, 2015, 12:49:50 AM
.... and passed.
Title: Re: Misc Credit Card Questions
Post by: TimT on November 27, 2015, 12:50:08 AM
Not chopping.. BRG is showing 25k.. Dan posted the Blue Business is good, no? I only do if 3BM if Im looking to apply for multiple cards at once right? I think Im just looking for one card right now...
All Amex cards will be the same 1 pull that day. So you may as well. Unless you can't meet all the spend thresholds.
Title: Re: Misc Credit Card Questions
Post by: D93 on November 27, 2015, 12:50:15 AM
Not chopping.. BRG is showing 25k..
http://forums.dansdeals.com/index.php?topic=52811.1450
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 27, 2015, 12:52:42 AM
All Amex cards will be the same 1 pull that day. So you may as well. Unless you can't meet all the spend thresholds.
Thanks but why do I want multiple Amex cards? And whats so bad if they're pulled on different days? Sorry I'm a beginner :)
Title: Re: Misc Credit Card Questions
Post by: pixi on November 27, 2015, 12:54:17 AM
Thanks but why do I want multiple Amex cards? And whats so bad if they're pulled on different days? Sorry I'm a beginner :)
The more hard pulls the lower your credit score is,  so if you do 3 apps in 1 day  it's 1 pull instead of 3 pulls,  but for a beginner I'd suggest you not to start with too many cards.
Title: Re: Misc Credit Card Questions
Post by: TimT on November 27, 2015, 12:54:52 AM
Thanks but why do I want multiple Amex cards?
Multiple bonuses
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 27, 2015, 01:00:46 AM
Multiple bonuses
The more hard pulls the lower your credit score is,  so if you do 3 apps in 1 day  it's 1 pull instead of 3 pulls,  but for a beginner I'd suggest you not to start with too many cards.
So I should start with one card? When you do MBM you cancel the cards as soon as you get the bonuses?
Title: Re: Misc Credit Card Questions
Post by: Marko Rubio on November 27, 2015, 01:09:10 AM
Is a 6bm a trigger?  What makes you think so?
thought I saw it somewhere maybe I'm wrong
Title: Re: Misc Credit Card Questions
Post by: pixi on November 27, 2015, 01:23:35 AM
thought I saw it somewhere maybe I'm wrong
I think you are wrong
Title: Re: Misc Credit Card Questions
Post by: pixi on November 27, 2015, 01:23:57 AM
So I should start with one card? When you do MBM you cancel the cards as soon as you get the bonuses?
Why cancel the card?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 27, 2015, 01:34:51 AM
Why cancel the card?
Depends which card.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 27, 2015, 01:35:31 AM
Why cancel the card?
Membership fees, headache owning so many cards... no?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 27, 2015, 01:37:07 AM
Membership fees, headache owning so many cards... no?
If it's a headache (& not a blessing) then it's probably better to stick to 1 or 2 cards.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 27, 2015, 01:39:36 AM
If it's a headache (& not a blessing) then it's probably better to stick to 1 or 2 cards.
How do you keep it not a headache? You just use one main card and let the others sit around? Why wouldn't you close them once you get the points? Then you can reopen 12 months later for more points...
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 27, 2015, 01:41:29 AM
Membership fees, headache owning so many cards... no?
If it's a fee free card, why not keep it in the sock drawer, use it every once in a while, and let it contribute to your credit history? Amex bonuses are once in a lifetime anyways, so no churning.
Title: Re: Misc Credit Card Questions
Post by: TimT on November 27, 2015, 01:42:50 AM
How do you keep it not a headache? You just use one main card and let the others sit around? Why wouldn't you close them once you get the points? Then you can reopen 12 months later for more points...
Some are only one time bonus. Others have massive returns for everyday spend.
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 27, 2015, 01:50:11 AM
If it's a fee free card, why not keep it in the sock drawer, use it every once in a while, and let it contribute to your credit history? Amex bonuses are once in a lifetime anyways, so no churning.
Some are every 12 months no?
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 27, 2015, 01:50:57 AM
Some are only one time bonus. Others have massive returns for everyday spend.
Which one has massive returns for e/d spending? So you just use that one and let others sit?
Title: Re: Misc Credit Card Questions
Post by: TimT on November 27, 2015, 01:51:20 AM
Some are every 12 months no?
Amex business cards are 12 months after closing
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 27, 2015, 01:52:02 AM
Some are every 12 months no?
Amex business you can get the bonus again 12 months after closing. Business cards are irrelevant to your report anyways, as long as you're not delinquent, so you may as well close them after taking advantage of whatever benefits there are to be had.
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 27, 2015, 01:52:50 AM
Which one has massive returns for e/d spending? So you just use that one and let others sit?
EDP, BCP,...
Title: Re: Misc Credit Card Questions
Post by: TimT on November 27, 2015, 01:53:26 AM
Which one has massive returns for e/d spending? So you just use that one and let others sit?
You should read through this (http://www.dansdeals.com/archives/59420)
Title: Re: Misc Credit Card Questions
Post by: nw6158 on November 27, 2015, 01:58:59 AM
Amex business you can get the bonus again 12 months after closing. Business cards are irrelevant to your report anyways, as long as you're not delinquent, SSSI you may as well close them after taking advantage of whatever benefits there are to be had.
SSSI?
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 27, 2015, 02:00:04 AM
SSSI?
Whoops! Meant to write so. Swipe keyboard had other things in mind, obviously.
Title: Re: Misc Credit Card Questions
Post by: TimT on November 27, 2015, 02:01:00 AM
Whoops! Meant to write so. Swipe keyboard had other things in mind, obviously.
And I was already searching the web trying to figure it out. :)
Title: Re: Misc Credit Card Questions
Post by: yochiek93 on November 27, 2015, 02:01:53 AM
And I was already searching the web trying to figure it out. :)
And I'm sure you would've found something that would make sense
Title: Re: Misc Credit Card Questions
Post by: David Smith on November 27, 2015, 02:02:23 AM
And I was already searching the web trying to figure it out. :)
What does SSSI mean? Did your search return anything?
Title: Re: Misc Credit Car