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« Last edited by DoreshEmes on April 11, 2019, 03:54:27 AM »

Author Topic: Questions and Help for BEGINNERS!  (Read 1737719 times)

Offline AJK

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Re: Questions and Help for BEGINNERS!
« Reply #280 on: September 24, 2012, 06:20:16 PM »
So Its possible.to pay it even if u cancel the card?

What if I had a credit on their from,  say AA for $200, and I cancel card can I use that to pay a diff bill on the account?

If by "it" you mean pay charges which post after cancellation? Sure. AmEx wants its money.

I don't see why that'd be a problem.
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Offline Cbs

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Re: Questions and Help for BEGINNERS!
« Reply #281 on: September 24, 2012, 06:45:54 PM »
Thanx!

Offline MEIR613

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Re: Questions and Help for BEGINNERS!
« Reply #282 on: September 24, 2012, 08:35:01 PM »
this was my first 3bm that worked!!!!!
Called boa this morning they said they could only approve me for the spirit world cuz that has 5k cl min and they cant approve for any other card called back later and told the lady i want the travelers card for better perks she said sure. im thinking about calling again for the boa amex tell them i need a amex for some stores but i dont think its worth it rather wait a month or two to apply for spg, blue cash, pl

Offline MEIR613

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Re: Questions and Help for BEGINNERS!
« Reply #283 on: September 24, 2012, 08:35:51 PM »
if you dont have any amex cards what are the best 3 to apply for?

Offline MEIR613

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Re: Questions and Help for BEGINNERS!
« Reply #284 on: September 27, 2012, 12:38:22 PM »
this was my first 3bm that worked!!!!!
Called boa this morning they said they could only approve me for the spirit world cuz that has 5k cl min and they cant approve for any other card called back later and told the lady i want the travelers card for better perks she said sure. im thinking about calling again for the boa amex tell them i need a amex for some stores but i dont think its worth it rather wait a month or two to apply for spg, blue cash, pl
called for amex decline do to low credit since they approved the spirit then huca still no luck. fyi boa marks each phone call and when I huca they said you just spoke to someone and NO


Offline HelpMe

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Re: Questions and Help for BEGINNERS!
« Reply #285 on: September 27, 2012, 04:57:50 PM »
Is the Bold 50k at office supplies reset after 12 months or Jan 1?
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Offline Dan

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Re: Questions and Help for BEGINNERS!
« Reply #286 on: September 27, 2012, 05:03:07 PM »
Is the Bold 50k at office supplies reset after 12 months or Jan 1?
"Annually” means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve billing cycles thereafter.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline bubbles

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Re: Questions and Help for BEGINNERS!
« Reply #287 on: September 27, 2012, 05:31:17 PM »
"Annually” means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve billing cycles thereafter.

I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?

Offline Dan

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Re: Questions and Help for BEGINNERS!
« Reply #288 on: September 27, 2012, 06:02:36 PM »
I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?
My quote is from the app page.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline bubbles

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Re: Questions and Help for BEGINNERS!
« Reply #289 on: September 27, 2012, 06:03:41 PM »
My quote is from the app page.

lol that's what I had thought until I got that sm. Now to think if I can leverage this somehow  :D

Offline Saver2000

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Re: Questions and Help for BEGINNERS!
« Reply #290 on: September 27, 2012, 06:06:07 PM »
I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?
What's "everything else" ?

Offline Dan

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Re: Questions and Help for BEGINNERS!
« Reply #291 on: September 27, 2012, 06:16:52 PM »
Now to think if I can leverage this somehow  :D
I'm sure you can...
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline chaimmayer

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Re: Questions and Help for BEGINNERS!
« Reply #292 on: September 27, 2012, 11:38:49 PM »
If I have a $50 credit on my united card and I don't want to spend on it because I am busy trying to meet other spending thresholds can I ask them for a refund check?

Offline sky121

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Re: Re: Questions and Help for BEGINNERS!
« Reply #293 on: September 27, 2012, 11:39:18 PM »
If I have a $50 credit on my united card and I don't want to spend on it because I am busy trying to meet other spending thresholds can I ask them for a refund check?

Sure. You can ask through SM.
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Offline mmermss

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Re: Questions and Help for BEGINNERS!
« Reply #294 on: October 09, 2012, 01:59:04 PM »
I was denied from amex plat and PRG because the number i wrote on app was higher than on 4506-t which they said I needed to send in.  So I called amex and told them I wrote "household income" on app and thats why it doesnt match.  So they asked me if I wanted to change what it says on app so i lowered the number (still higher than 4506-t) and she said still not matching....

Should/Could i call up again and ask them if i can change the annual income number on the app to the exact number on 4506-t form?  Only reason I didnt do it first time is because afraid theyll say no to the fact thats its not enough income
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Offline meshugener

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Re: Questions and Help for BEGINNERS!
« Reply #295 on: October 09, 2012, 09:55:23 PM »
Why not?
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Re: Questions and Help for BEGINNERS!
« Reply #296 on: October 10, 2012, 11:32:04 AM »
ive had a question for a while and i dont have a straight answer for this:
by opening and closing CC's every few months, how badly will that effect your Credit score?

basically im trying to convince a friend to get in to the CC game but he is scared that churning will ruin his score and mess up his credit if he wants to take out a loan or something.
what do i tell him?

Offline AJK

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Re: Questions and Help for BEGINNERS!
« Reply #297 on: October 10, 2012, 11:51:43 AM »
Opening cards will have a negative effect on your score to the tune of <10 points per hard inquiry, as well as possibly lowering your AAofA (though it seems this factor is mitigated by the fact that closed accounts apparently stay on one's CR for 10 years before falling off and also count toward AAoA). The score will eventually come back and perhaps be even stronger in light of the fact you now have more credit lines, longer good history, etc.

Closing (credit) cards will also have a negative effect on one's score, all things being equal, as it reduces one's available credit, thereby increasing utilization %.

Though there has been some debate, I personally would not engage in any heavy churning in the months (12-24) leading up to a large loan application (e.g. mortgage).
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Offline bubbles

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Re: Questions and Help for BEGINNERS!
« Reply #298 on: October 12, 2012, 10:28:22 AM »
"Annually” means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve billing cycles thereafter.
I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?
hmmm the points didn't show up automatically

Offline Kvending

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Re: Questions and Help for BEGINNERS!
« Reply #299 on: October 15, 2012, 10:50:18 PM »
Anyone know if it's possible to change your username? & if yes how?