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Re: How fast do payments get reported to the CRA's? Chase will update your balance within 48 hours if you pay your balance to zero. You can get balances updated at any time by calling their credit bureaus department 1888-682-8361 more info here
July 15, 2020, 10:51:58 PM
Re: best sign up bonuses for business credit cards
That does look like a nice card

What would you say are the best business cards for bonuses with a 5k max required spend?

United Business 60k after $3k spent
Barclay AA Biz 75k after $1k spent
Citi AA Biz 65k after $4k spent

July 26, 2020, 12:49:21 AM
Re: best sign up bonuses for business credit cards
Are they approving business cards nowadays?

Doesn't Barclays report business credit accounts on credit reports?
I recently got approved for Citi biz my wife for the Barclays. Barclays biz cards do not show on your personal credit report

July 26, 2020, 06:18:26 PM
Re: best sign up bonuses for business credit cards
No mention here of Amex biz Plat?
75k bonus
After paying the annual fee your left with a few grushen

July 26, 2020, 10:26:45 PM
Re: Misc Credit Card Questions
if i do a product change with chase (preferred > freedom), is there a hard/soft credit pull?

August 12, 2020, 03:06:28 PM
Re: Credit Card For Beginners
1. Two, assuming both banks are pulling (see Amex note below).
2. Two, unless the bank decides to only pull once.
3. Generally no. Amex for example doesn't pull at all for existing customers.

@Cat18 you can see this post for a complete brake down

@dealtastic do you know for a fact that Amex never pulls? It used to YMMV

August 14, 2020, 09:56:44 AM
Re: Chase 5/24 rule
I have one card that chase closed literally 2 days after applying for it.
But it shows up on my CR and now I'm 5/24.

Is there anything I can do to get it off my CR?
Dispute it as a error application

August 17, 2020, 10:56:22 PM
Re: New Ink Plus Card (another 50K UR points)
Sorry if wrong thread, but does anyone know if qualifies as an office supply store for the 5X points for Ink Cash?
You can use this lookup tool

September 02, 2020, 11:36:43 PM
Re: US Bank credit card took away my promo 0% apr die to missed payment. For consumer credit card holders, an issuer can assess a penalty APR if you're 60 days late on a payment and the issuer has sent you a written notice 45 days before the rate increase. The terms were implemented by the Credit CARD Act of 2009, which puts limits on penalty fees and charges.

Is this a personal card or business?

September 08, 2020, 10:02:34 PM
Re: Chase sapphire preferred 80,000 UR sign up bonus
Is there any risk of an A/A if I downgrade my preferred and get a new one a few days later? I've had it for about 4 years
Never had issue. Just wait a few days in between

September 16, 2020, 11:19:03 AM
Re: Chase Sapphire Reserve
Unless things have changed, you should not have to move them as they will be kept alive (at a lower value) with a freedom, and the value will then increase when moved back to a sapphire card. The only issue I'm seeing here, is upgrading the Sapphire Preferred to the reserve right away. I believe there is a 1 year waiting period for that upgrade.
one year rule is only for new accounts

September 22, 2020, 01:47:15 PM
Re: Opinion on Capital One Spark Cash Card Accrued Dollars Are you sure they will let you transfer the points to the Spark Miles?
October 14, 2020, 09:08:37 AM
Re: Misc Credit Card Questions Blue Cash Preferred 6% (you can have multiple)
Chase Freedom Family 5% first year
Amex Gold 4 points
Verizon Visa 4%

You can find a very comprehensive list here,%27TransUnoin%27,%27Equifax%27&cType_data=%27Personal%27,%27Business%27,%27Secured%27&annual_data=%27No%20annual%20fee%27,%27No%20annual%20fee%20first%20year%27,%27Yes%20Annual%20fee%27&bank_data=%27Chase%27,%27Amex%27,%27City%27,%27Barclays%27,%27Bank%20Of%20America%27,%27Capital%20One%27,%27US%20Bank%27,%27Discover%27,%27Wells%20Fargo%27,%27Other%27&prefix=wp_w41xbsx39j_&cashback=&apr=&transfer_fee=&first_card=&best_offer=&all_cards=&search=

October 14, 2020, 09:17:57 AM
Re: Citi AA Master Thread I quick complaint to the CFPB works wonders
October 19, 2020, 01:27:12 PM
Re: Misc Credit Card Questions
1.99 is the max they've credited ime
עד ולא עד בכלל

October 26, 2020, 03:10:50 PM
Re: Misc Credit Card Questions
How long do you have to call Chase recon after you were denied?
30 days

October 29, 2020, 02:32:54 PM
Re: credit score
I read elsewhere on DDF that returning a lease (when the lease term is up) can significantly lower your credit score? Is this accurate?? If yes; how can I avoid this? I actually intend to transfer my lease to ALgo, Vrooom etc who in turn buyout the car from the finance co. To me it would seem the opposite should be true. A loan (lease) is now closed. And it's not like a lease is a revolving line of credit so my utilization ratio is not going up.


It will effect your credit mix. As your losing a installment loan. But if you still have other open installment loans like a mortgage or another lease then the effect will be very minimum to nothing

November 09, 2020, 09:56:16 PM
Re: Card with 0% APR and $0 fee (or capped) on Balance transfers? Avainco Card is capped at a $10 fee

December 11, 2020, 09:50:33 AM
Re: AMEX Return Protection: Did They Make You Return The Item?
Does any one know ( or have experience) that the RP is covered for ebay purchased new items where the seller policy is "Seller does not accept returns" ? I have purchased a router and not happy with it. But came to know that the seller does not accept returns.

December 20, 2020, 09:46:53 AM
Re: question with three browser method
Good luck.

Please insert 25 cents for 5 minutes... :P
Take you time. You have a full day to do the cards and the inquiries will combine. The three browser method is A. Dead B. Not needed here

December 29, 2020, 09:05:09 AM
Re: Misc Credit Card Questions
What is Citi's and Amex's policy?
Here you got a great post with all rules

January 07, 2021, 09:00:30 AM
Re: Spouse as authorized user
Hi, my score is messed up as a result of the scams a few years ago in Crown Heights etc. I'm trying to add myself as an authorized user to my one of my wife's CC's.

This particular card issuer is one of those random ones (credit one), they charge for each additional authorized user. This is the only time that I've seen the question about being a spouse.

Why are they asking? Does this affect the chances of being approved differently? Can my low score affect her more because I'd answer that I'm a spouse? Will they close her account?


There is other laws in the card act regarding if the AU is a spouse.

February 09, 2021, 09:03:33 AM
Re: Misc Credit Card Questions
Link please?

February 21, 2021, 08:27:44 PM