Author Topic: Misc Credit Card Questions  (Read 1436776 times)

Online yungermanchik

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Re: Misc Credit Card Questions
« Reply #10820 on: March 19, 2023, 07:33:30 PM »
couple of questions for everyone here with more experience then i have

1) what is the best credit card for groceries ?
2) best credit card for american airlines in terms of both benefits/upgrades/status and point generation. I am anticipating an increase in work travel, and its going to be mostly on american. would like to get the most out of it 

thank you
1) Blue cash preferred @6% (except when Chase Freedoms have their 5% first year offers (which can be worth >7.5% when transferred to a sapphire at a later point))
Another option is freedom flex and Discover it and load up your grocery accounts during their respective 5% quarters.
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Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #10821 on: March 19, 2023, 08:16:31 PM »
couple of questions for everyone here with more experience then i have

1) what is the best credit card for groceries ?
2) best credit card for american airlines in terms of both benefits/upgrades/status and point generation. I am anticipating an increase in work travel, and its going to be mostly on american. would like to get the most out of it 

thank you
2) AA card.  Barclay
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Offline NAT86

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Re: Misc Credit Card Questions
« Reply #10822 on: March 19, 2023, 08:50:51 PM »
if chase shuts down your business cc does it affect your credit score?

Offline Yo ssi

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Re: Misc Credit Card Questions
« Reply #10823 on: March 19, 2023, 08:51:31 PM »
if chase shuts down your business cc does it affect your credit score?
In some aspects yes. Same ones it can help for..
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Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #10824 on: March 19, 2023, 08:54:04 PM »
In some aspects yes. Same ones it can help for..
Business cards. Should have no effect on your score as they (Chase) are not reported to your credit report.
Only on DDF does 24/6 mean 24/5/half/half

Offline Yo ssi

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Re: Misc Credit Card Questions
« Reply #10825 on: March 19, 2023, 09:06:26 PM »
Business cards. Should have no effect on your score as they (Chase) are not reported to your credit report.
I thought for a few things it did, like for payment history.
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Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #10826 on: March 19, 2023, 09:15:35 PM »
I thought for a few things it did, like for payment history.
Only if you default.
Only on DDF does 24/6 mean 24/5/half/half

Offline Yo ssi

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Re: Misc Credit Card Questions
« Reply #10827 on: March 19, 2023, 10:17:21 PM »
Only if you default.
Correct, I assume it effects length of credit as well, so depending on how old the card the bigger difference it would make.
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Offline Thingywingy

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Re: Misc Credit Card Questions
« Reply #10828 on: March 20, 2023, 03:12:05 AM »
I called chase to remove an AU from an account with a high credit utilization ratio and the rep said that the history of them being connected to that account will remain but updates to the account will not be reflected on their credit score. Does that mean that they are forever negatively impacted by the high ratio on an account on which they were once an AU? Seems strange. (They offered this info even though I did not mention anything about credit score.)
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline elazarmn

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Re: Misc Credit Card Questions
« Reply #10829 on: March 22, 2023, 02:22:13 PM »
Any way for a parent to make a payment for a childs card without depositing it into their bank? Tried to add my fathers chase account and it says it cant add it since its associated with another accout

Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #10830 on: March 22, 2023, 02:23:36 PM »
Any way for a parent to make a payment for a childs card without depositing it into their bank? Tried to add my fathers chase account and it says it cant add it since its associated with another accout
Do a bill pay to Chase from the checking account.
Only on DDF does 24/6 mean 24/5/half/half

Offline elazarmn

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Re: Misc Credit Card Questions
« Reply #10831 on: March 22, 2023, 02:27:19 PM »
Do a bill pay to Chase from the checking account.
And then i add my bank account info?

Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #10832 on: March 22, 2023, 02:31:12 PM »
And then i add my bank account info?
From ABC checking you will do a bill pay. It will ask for the Chase CC info or whatever CC it is.
Only on DDF does 24/6 mean 24/5/half/half

Offline Fish Tank

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Re: Misc Credit Card Questions
« Reply #10833 on: March 22, 2023, 09:33:04 PM »
I just got hit with the $695 AF on my amex plat (year 2) . I would like to downgrade to a fee free/low fee card. Is that possible?

If I close or downgrade, will I still be able to file RP claims?


Offline 1najol1

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Re: Misc Credit Card Questions
« Reply #10834 on: March 22, 2023, 11:28:11 PM »
The card with the lowest AF you can downgrade to is the Green Card with 150 AF.
If you downgrade you can still file RP claims on purchases made when it was still a platinum and even they decline the claim because itís a green card point out to them that the purchase was made when it was still a platinum and by me it always worked but if you close Iím not sure.

Offline yosefsv

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Re: Misc Credit Card Questions
« Reply #10835 on: March 23, 2023, 01:14:10 AM »
I just got hit with the $695 AF on my amex plat (year 2) . I would like to downgrade to a fee free/low fee card. Is that possible?

If I close or downgrade, will I still be able to file RP claims?
Ask for a retention offer. It may be worth it to keep it as a platinum. (I got 40k MR for spending 10k, and with the $400 Dell $200 TC and $120 Wireless credit I kept it)
If it benefits even just one fellow DDFer, its worth posting it.

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Re: Misc Credit Card Questions
« Reply #10836 on: March 23, 2023, 09:12:24 PM »
I just got hit with the $695 AF on my amex plat (year 2) . I would like to downgrade to a fee free/low fee card. Is that possible?

If I close or downgrade, will I still be able to file RP claims?
Tried retention? I got a great offer this year, best I ever got. 70k MR after $5k spend. Others posted that they got the same.

Offline dealtastic

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Re: Misc Credit Card Questions
« Reply #10837 on: March 24, 2023, 08:18:03 PM »
if chase shuts down your business cc does it affect your credit score?
Who initiates the account closure makes no difference.

Offline avadah

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Re: Misc Credit Card Questions
« Reply #10838 on: March 27, 2023, 12:40:51 AM »
When does the 3 months to hit a sign up bonus start; from approval or activation?

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #10839 on: March 27, 2023, 10:35:45 AM »
When does the 3 months to hit a sign up bonus start; from approval or activation?
approval

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