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Messages - zow

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3001

Amex counts for spending and points. Chase does as well

Thank you!

3002
I understand from the postings and the wiki:
Citi considers it a CA.
Barclays considers it a purchase.

I haven't found confirmation that Chase considers it a purchase. Can anyone confirm?

And what about Amex itself? Will I get Starpoints if I use my new SPG?  Will it count toward the initial spending threshold?

Thanks, all.

3003
Credit Cards / Re: The Target Prepaid REDcard
« on: October 23, 2014, 05:35:50 PM »
Huh. Didn't know people used it for the real purpose. I thought everyone just cashed them used them to pay CC and write checks from regular bank. go figure.
I have been of the mind that it's "safer" (less likely to raise BB or CC eyebrows) to pay a non-CC bill than a CC bill with BB. The BB wiki implies that:

"On the BB site, money can be sent to pay bills that don't normally accept CCs (think rent/mortgage, tuition, insurance, car payment, gas bill, even pay your cc bill) or to anyone in the U.S. for free. Use the 'pay and transfer tab'.  Checks sent online this way are delivered within 5 business days. (It may be prudent not to use BB to directly pay the CC on which you purchased the VRs/GCs that funded BB, but, once again, YMMV.)"


3004
Credit Cards / Re: The Target Prepaid REDcard
« on: October 23, 2014, 05:25:35 PM »
Maybe you mentioned and I forgot, but why not reggie in your name?
This will sound irrational, I'm sure, but...
I wanted to hang on to my BB for a little while, because I like the check writing. My wife's BB card always seems much buggier when loading GCs in the Walmart ATMs, so I decided to dump her BB account instead of mine. 

3005
Credit Cards / Re: The Target Prepaid REDcard
« on: October 23, 2014, 04:39:49 PM »
Did you PUTPAC the red card number?

Yes, that was the problem. The CSR said (erroneously?) that I couldn't use wife's info on a temporary card registered to me. (And I can't just yet dump my own Blue Bird.)

3006
Credit Cards / Re: The Target Prepaid REDcard
« on: October 23, 2014, 03:45:43 PM »
Hi, and thank you.  ;)

The account was already closed , but I tried your trick, and it gave me a dialogue box to confirm I wanted to close it, asked for  reason, and I then proceeded, and got new splash screen saying it's closed (with a  :'(). 

So now back to register the RedCard, but it seems their website is down?

Many thanks.

Update:
Well, I tried again to register the RedCard, but no dice.  Same message at the end.  Thanks for the help, though.

3007
Credit Cards / Re: The Target Prepaid REDcard
« on: October 23, 2014, 03:43:56 PM »
Your not treating her out with enough of the perks you can get for the miles!!
Already planning a trip to Europe next summer and reserved Park Hyatt Paris Vendome for 6 nights with points ... not enough? :-\

3008
Credit Cards / Re: The Target Prepaid REDcard
« on: October 23, 2014, 01:53:58 PM »
I posted this elsewhere, but you can close bluebird online by being logged in and clicking here or copying/pasting this link. I would just go through this process to be sure. https://secure.bluebird.com/Profile/CloseAccount

PS - I can totally relate to the bolded part :)

Hi, and thank you.  ;)

The account was already closed , but I tried your trick, and it gave me a dialogue box to confirm I wanted to close it, asked for  reason, and I then proceeded, and got new splash screen saying it's closed (with a  :'(). 

So now back to register the RedCard, but it seems their website is down?

Many thanks.

3009
Credit Cards / Re: The Target Prepaid REDcard
« on: October 23, 2014, 12:47:56 PM »
This may help;
The Bluebird/Serve/Red Card system does not allow any phone #/Email to be associated with 2 accounts.
Call BlueBird and ask them to REMOVE the phone # and email from the records (you can tell them why).

Good suggestion, but I am reluctant to call BlueBird myself and need my wife to do it, and she is getting kind of annoyed with me asking her to keep calling! (Shalom bayit must prevail.)

But, I did try to register using novel phone and e-mail, and still no luck, so it must be something related to her BlueBird not being fully closed.

3010
Credit Cards / Re: The Target Prepaid REDcard
« on: October 23, 2014, 12:42:53 PM »
Maybe try registering again, but use a different email address (one which isn't associated with any bb or serve account).
A good suggestion, so I tried, but did not work.

3011
Credit Cards / Re: The Target Prepaid REDcard
« on: October 23, 2014, 10:32:19 AM »
I am having some difficulty with registering my new Target RedCard PrePaid.  I'm hoping someone can help me, and maybe this will be useful data point for others.

I purchased the (temporary) card at a MA Target yesterday. $5 fee.  Loaded it with $500 from a Chase CC.  The purchase of the temporary card required them to scan my driver's license, which brought up my name and address.  I entered my real birthdate but entered my social security # off by one digit.  (not sure that was a good or bad idea, but it didn't seem to matter at the time.). 

After I got the card home, I went online to register it.  I entered the card number, the 4-digit security code, and my birthdate.  It found my account, prepopulated with my name, address and birthdate.  I changed all the information to my wife's information.  I got to the end and submitted the information to register.  It gave me the error that "you have a BlueBird account and can't have both."  I then had my wife cancel her BlueBird by phone with the BlueBird agent, and her BlueBird account seems closed (I have checked online, but she never got the email that Dan mentioned he got).  I tried to register it again for her, but it still says she has Blue Bird.

So, I'm wondering if the RedCard is actually seeing MY BlueBird account and preventing the registration on that basis?  It seems unlikely, because I never entered my real Social into RedCard.  I called RedCard people and they say you can't switch information from what is entered in the store...but that flies in the face of what I'm reading online, so I suspect the CSA is wrong.

I may be stuck with this temporary card and need to just unload it and start over with a new RedCard for my wife (having her accompany me to target so they can scan her DL).  I know Dan says he has never had to show ID, but that seems not to be the case in MA.  I wonder what would happen if I said I didn't have a DL?

I hope this is helpful.  If anyone has suggestions, please fire away, but I think I'll just need to start over.
--Zow

3012
site says EST, but it's still DST, so YMMV

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3013
Credit Cards / Re: Chase Reconsideration
« on: October 19, 2014, 11:34:55 PM »
I have really not had good experiences getting over the "2 cards in 30 days" thing. At each HUCA I get put on hold, and then "As my colleague just told you..."

Right. Have others had success? With what approach?

3014
Credit Cards / Re: Chase Reconsideration
« on: October 19, 2014, 11:32:28 PM »
Why don't you offer to close a card?
I initially did agree (she offered) to close a card, but then I felt that they did a "bait and switch" when she said I would only get to open one new one (BA) for closing one (SW).  I had previously been told by a different agent that I was approved for IHG.  I just felt cheated, but yes, I think I will end up having to close a card. 

3015
Credit Cards / Re: Chase Reconsideration
« on: October 19, 2014, 08:59:31 PM »
I did a Chase 4BM and Amex 2BM Saturday night.  Ironically, the Amex Cash was instantly approved and the SPG approved by phone today.  With Chase, much less good news to report. Here's what I applied for:
1. Ink Plus
2. BA
3. IHG
4. Marriott

I already have 5 Chase cards, all  of which I got over the summer:
1. Ink Plus
2. RR Premier Personal
3. RR Premier Business
4. Sapphire preferred
5. Freedom.

When I first called, James told me that I could only get two new cards in a 30d period and also told me he couldn't do anything about the business card (Ink Plus), so he offered to approve one card, and I took IHG.

I HUCA'd and that's when things turned south.  I got Patricia, who told me that she couldn't approve any, because I had too many cards with them.  And then after a bit, I got her to focus on one card (BA), but then she declined it -- too many open cards.  I spoke with Debbie, a "senior loan agent" or some other title.  She reviewed my credit (very solid, score over 800, always pay bills on time, have a mortgage in xs of $1M, etc) and said the issue was that I have too many open cards, and in fact, the IHG I was told earlier today was approved was actually not approved.

Debbie and I sparred (friendly and respectful all the time, but persistent on my part), and I told her how I had moved all my business to Chase over the summer and away from a competitor because I valued the customer service, how I bank with Chase now, how I have reasons for each of the cards I have applied for (anticipated travel).  She offered to allow me to close one of my existing cards to open a new BA card, but insisted that the IHG would not be approved. She emphasized that both the IHG and BA were "declined".

So, I told her I would sleep on it.  I believe in HUCA, and that's my plan for tomorrow (and if necessary, the next day and the next day....) but I would appreciate any advice from others.  How do you counter the "2 card per 30-day policy"? "We have 'fair lending practices' and need to treat all lenders same...."

Advice?  TIA.

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