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Re: $2 trick to increase FICO score. David is saying that your idea will work.   When you pay the $2 statement balance to Chase,  it will not report as $0 mid-cycle if you have already put new charges on the card because you will not be PIF'ing.

The reason it is suggested not to use Chase is to make it easier for people to understand and implement,  not because it isn't possible to make it work.  Most people have issuers other than just Chase,  so its easier to explain on the internet by advising that Chase is avoided rather than adding a bunch of caveats.

Plus many of us who do the $2 trick pay the $2 the day it posts, not letting the balance  marinate for the entire month.

December 04, 2016, 12:17:45 PM
Re: Credit Card For Beginners
MS and churning are not the same thing. Nobody here is going to just tell you any MS methods that they know about that rent public knowledge. You can start by reading the wiki in the serve and bluebird threads.

Don't be misleading. This guy will definitely help out:

December 12, 2016, 01:14:36 AM
Re: Barclays US Airways
40K with no spend is pretty solid.
Exactly.  40K for any initial purchase is about as good as it gets in this game.

December 15, 2016, 12:47:48 PM
Re: Barclays US Airways
Yes, I would prefer 60k + waived first year annual fee for 3k spend!

This is a solid offer for churners, and easy 40k miles but I was hoping for something that would really compete for citi customers with something stronger than what citi offers, especially since they have much tougher options for signing up new card members compared to Citi.

Except AA's goal wasn't to have Citi and Barclays competing.

December 15, 2016, 03:22:08 PM
Re: Barclaycard Aviator (AA)
40k miles, no min spend:

What if you already have this card, converted from US Airways?

Is this discussed elsewhere?
It is being discussed in the US Air thread,  although this is obviously a more appropriate thread.  The other one should be locked for new posts by now.

Someone did already get a 2nd card.

December 15, 2016, 04:28:34 PM
Re: Credit Card For Beginners
took about 4 days...

wondering (HOPING) if theres a way to overturn their decission

So I am speculating that things didn't work out too well for you?

Generally there is no way to overturn a fraud/compliance department shutdown.

December 16, 2016, 01:04:46 AM
Re: Barclaycard Aviator (AA)
Thanks. He was approved. We don't know if he'll get the bonus. Do we?

Usually Barclays gives you the bonus if you're approved.  Obviously with this new rollout they could surprise us, but based on past behavior the bonus will be granted.

December 16, 2016, 01:07:43 AM
Re: Credit Card For Beginners Guess we need to add to the possible Chase shutdown triggers:

Ever paid Chase cash towards your CC's?
Ever paid Chase via CFBP towards your CC's?
Ever paid Chase via Serve or something towards your CC's?
Ever paid Chase MO's towards your CC's?
Ever used your CC for MS?
Ever sold or transferred UR's to anyone?
Were you honest with your income on your application?
Ever flip your credit limit multiple times per month?
Ever make multiple payments towards your CC's per month
Did you open 4 new Chase CC's in a month?

December 18, 2016, 03:03:45 AM
Re: Credit Card For Beginners
Not really, almost everyone here (sorry JTZ) has many chase cards and hasn't been shut down. That is just a lost of all possible known triggers, meaning it's a list of all the reasons that we know have been given to people as the reason why they were shut down.

All of them are fine,  until you get eyes on your accounts,  and then they're not fine.

December 18, 2016, 01:14:40 PM
Re: Credit Card For Beginners
Meaning, pretty much anything you do with a chase card will trigger a shutdown.
The vast vast majority of consumers won't do any of those things on the list.

December 18, 2016, 01:19:30 PM