Misc Credit Card Questions

[1najol1]

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 it’s not getting reported at all but if it’s 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.

[1najol1]

One more thing. It doesn’t matter if your “credit” 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.

[davidd75]

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?

[ckmk47]

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.

[Yo ssi]

IINM amex covers as long as the bill is being paid by the card no matter where the phone was purchased.

[davidd75]

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?

[Yo ssi]

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

[insidescoop99]

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

[Yo ssi]

can spouses refer each other for chase or amex cards.

Yes

[shmooz]

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?)

[lcm]

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.

[Mf1]

Any  issue paying chase ink from personal c1 account?

[CountValentine]

Any  issue paying chase ink from personal c1 account?

Your own, no.

[aporush82]

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?

[Joeymc]

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.

[Essen est zich]

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?

[TzviR]

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

[imayid2]

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?

[CountValentine]

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.

[imayid2]

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 it’s the Preferred