Author Topic: Misc Credit Card Questions  (Read 2020058 times)

Offline 1najol1

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Re: Misc Credit Card Questions
« Reply #10960 on: August 07, 2023, 12:58:05 AM »
How long after adding an authorized user with no credit history to my account does their credit score go up (if my credit is good)
Depends on which card you add the AU. For example by AMEX when the statement closes the AU gets only one month credit history because it starts like a new credit card. Chase sometimes itís not getting reported at all but if itís a family member usually it gets reported and the full credit history of this card will be reported for the AU. Discover, Citi and a few others you can add the AU with the social so the full history of the card you add the AU on will appear on the credit report when the statement closes.

Offline 1najol1

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Re: Misc Credit Card Questions
« Reply #10961 on: August 07, 2023, 01:05:18 AM »
One more thing. It doesnít matter if your ďcreditĒ is good, because what gets reported for the AU is the history of the card you add the AU. So you have to make sure that on that specific credit card your history is good.

Offline davidd75

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Re: Misc Credit Card Questions
« Reply #10962 on: August 24, 2023, 03:25:04 PM »
1. Is there any cc out there with a 0 deductibile for cell phone insurance?

2. If I got the phone  "free" with 12 month service contract will I still be covered?

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #10963 on: August 24, 2023, 06:15:32 PM »
1. Is there any cc out there with a 0 deductibile for cell phone insurance?

2. If I got the phone  "free" with 12 month service contract will I still be covered?
2. Many only pay out when the phone is paid as a lump sum.
My favorite cause: cssy.org

Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #10964 on: August 24, 2023, 09:22:09 PM »
IINM amex covers as long as the bill is being paid by the card no matter where the phone was purchased.



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Offline davidd75

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Re: Misc Credit Card Questions
« Reply #10965 on: August 25, 2023, 12:18:21 PM »
IINM amex covers as long as the bill is being paid by the card no matter where the phone was purchased.




I never purchased it per se as it was "free" with a new 12 month contract.  Am I covered?

Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #10966 on: August 25, 2023, 04:38:54 PM »
I never purchased it per se as it was "free" with a new 12 month contract.  Am I covered?
IINM amex covers as long as the bill is being paid by the card
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Offline insidescoop99

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Re: Misc Credit Card Questions
« Reply #10967 on: August 30, 2023, 01:55:40 PM »
can spouses refer each other for chase or amex cards.
if yes should you be worried when sharing the same UR account (pooling points together)
TIA

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Re: Misc Credit Card Questions
« Reply #10968 on: August 30, 2023, 09:45:28 PM »
can spouses refer each other for chase or amex cards.
Yes
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Offline shmooz

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Re: Misc Credit Card Questions
« Reply #10969 on: August 31, 2023, 03:34:04 PM »
Opened some chase biz cards this year and my credit lines are thin, would like to consolidate

Is it better to close a card that is open for a long time, or a new card opened within the year? (or neither and deal with it?)

Offline lcm

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Re: Misc Credit Card Questions
« Reply #10970 on: August 31, 2023, 09:21:36 PM »
Opened some chase biz cards this year and my credit lines are thin, would like to consolidate

Is it better to close a card that is open for a long time, or a new card opened within the year? (or neither and deal with it?)
In general it is better to keep older accounts.
(Don't know for sure if it applies to biz cards as well.)
If it was opened this year, they will claw back a bonus IINM.

What about asking them to move the credit from one card to another, leaving very small ones on a some of them.

Offline Mf1

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Re: Misc Credit Card Questions
« Reply #10971 on: September 24, 2023, 01:58:38 PM »
Any  issue paying chase ink from personal c1 account?

Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #10972 on: September 24, 2023, 10:31:00 PM »
Any  issue paying chase ink from personal c1 account?
Your own, no.
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Offline aporush82

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Re: Misc Credit Card Questions
« Reply #10973 on: September 27, 2023, 05:25:25 PM »
I just applied today for the ink unlimited to get the bonus. An hour later I product changed my ink cash to the unlimited to eventually apply for the ink cash bonus too-lol-did I jeopardize my unlimited bonus, now that I technically have another unlimited card?

Offline Joeymc

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Re: Misc Credit Card Questions
« Reply #10974 on: September 27, 2023, 11:09:07 PM »
I just applied today for the ink unlimited to get the bonus. An hour later I product changed my ink cash to the unlimited to eventually apply for the ink cash bonus too-lol-did I jeopardize my unlimited bonus, now that I technically have another unlimited card?
You can get the ink cards even if you already have the same card so you didn't need to product change your ink cash. I imagine based on this that you'd be fine now that you did it.
120 characters? Hmm, I wonder what I could write with 64 characters. Boy, it's gonna be hard to use up 15 characters. W-

Offline Essen est zich

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Re: Misc Credit Card Questions
« Reply #10975 on: October 10, 2023, 01:05:42 AM »
I'm planning on finally getting the Amazon prime CC, and another cc or 2.

Which cards have a nice sub and would give me the card number right away?
Shloffen Shloft Zich

Offline TzviR

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Re: Misc Credit Card Questions
« Reply #10976 on: October 10, 2023, 10:56:20 AM »
I'm planning on finally getting the Amazon prime CC, and another cc or 2.

Which cards have a nice sub and would give me the card number right away?
Amex biz gold +AUs

My  prizes from CV :)

Online imayid2

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Re: Misc Credit Card Questions
« Reply #10977 on: October 11, 2023, 08:23:28 PM »
I charged my Chase Ink much more than my credit limit and for some reason it was authorized. Is this risky for my account? Should I move over some credit from a different card?

Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #10978 on: October 11, 2023, 08:29:42 PM »
I charged my Chase Ink much more than my credit limit and for some reason it was authorized. Is this risky for my account? Should I move over some credit from a different card?
I would move credit over and max it out. Put the 0% money in t-bills/savings. If this is the IC or IU.
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Re: Misc Credit Card Questions
« Reply #10979 on: October 11, 2023, 08:51:45 PM »
I would move credit over and max it out. Put the 0% money in t-bills/savings. If this is the IC or IU.
lol but itís the Preferred