Author Topic: Misc Credit Card Questions (Read 1914312 times)

Wizard · « **Reply #2640 on:** January 31, 2016, 02:33:01 AM »

Quote from: David Smith on January 31, 2016, 02:28:20 AM

Don't think someone else using it has any impact.

Quote from: CS91 on January 31, 2016, 02:25:47 AM

I've gotten targeted offers within weeks of signing up. I'm sure it's YMMV though.

Ok, thanks, cant hurt to sell then:)

hide4 · « **Reply #2641 on:** January 31, 2016, 02:42:12 PM »

Where is the cheapest place to buy nordstrom gift cards? And is raise.com a good site for this?

eliraps · « **Reply #2642 on:** January 31, 2016, 07:13:03 PM »

Haven't been here in a while and haven't applied for any cards since June, so time for a new round. I have to refresh my memory of the sugya. Been reading a lot of these threads the past few days.
I want to get a CSP but the 5/24 rule is in my way and trying to figure out a work-around.
1) If I am an AU on someone else's Amex, is there a way to have that account not show on my report?
2) When did Amex start dating new accounts to the day they were opened and not to the date of your first account?
3) Do other AU's on my Amex accounts (other than myself) count towards the 5/24?
4) I closed my CSP in April 2015, so I assume I have no chance of getting the sign-up. DW never had one but was declined for it in June because of the (then new) 5/24 rule. Is it too soon to try again?
5) In general, with Chase if I closed the card more than 24 months ago, I'll get the sign-up. Correct?
6) I hope to lease our first car soon, is that a reason to hold off?

TimT · « **Reply #2643 on:** January 31, 2016, 07:53:40 PM »

Quote from: eliraps on January 31, 2016, 07:13:03 PM

Haven't been here in a while and haven't applied for any cards since June, so time for a new round. I have to refresh my memory of the sugya. Been reading a lot of these threads the past few days.
I want to get a CSP but the 5/24 rule is in my way and trying to figure out a work-around.
1) If I am an AU on someone else's Amex, is there a way to have that account not show on my report?
2) When did Amex start dating new accounts to the day they were opened and not to the date of your first account?
3) Do other AU's on my Amex accounts (other than myself) count towards the 5/24?
4) I closed my CSP in April 2015, so I assume I have no chance of getting the sign-up. DW never had one but was declined for it in June because of the (then new) 5/24 rule. Is it too soon to try again?
5) In general, with Chase if I closed the card more than 24 months ago, I'll get the sign-up. Correct?
6) I hope to lease our first car soon, is that a reason to hold off?

3)No
4)If you're approved you'll get the signup bonus.
5)Obviously, its 24 months after receiving signup bonus.

CS91 · « **Reply #2644 on:** January 31, 2016, 08:30:52 PM »

Quote from: eliraps on January 31, 2016, 07:13:03 PM

1) If I am an AU on someone else's Amex, is there a way to have that account not show on my report?

Yes. Call the CBs to have the AUs removed.

Redbull3 · « **Reply #2645 on:** January 31, 2016, 08:33:49 PM »

Quote from: hide4 on January 31, 2016, 02:42:12 PM

Where is the cheapest place to buy nordstrom gift cards? And is raise.com a good site for this?

giftcardgranny is a good resource to help figure that out.

yochiek93 · « **Reply #2646 on:** January 31, 2016, 08:37:19 PM »

Quote from: eliraps on January 31, 2016, 07:13:03 PM

2) When did Amex start dating new accounts to the day they were opened and not to the date of your first account?

iirc end of March

David Smith · « **Reply #2647 on:** January 31, 2016, 08:38:45 PM »

Quote from: yochiek93 on January 31, 2016, 08:37:19 PM

iirc end of March

+1. Most reports are late March/early April time, iirc.

eliraps · « **Reply #2648 on:** February 01, 2016, 05:19:45 AM »

Quote from: TimT on January 31, 2016, 07:53:40 PM

5)Obviously, its 24 months after receiving signup bonus.

That's what I was asking. I thought it was 24 months from closing. Are you saying that 24 months from opening?

Quote from: yochiek93 on January 31, 2016, 08:37:19 PM

iirc end of March

So is that what triggered the 5/24 rule, in the following months?

Thanks everyone for all your answers.

Is there a masterthread to learn about which Amex and citi bonuses I would be eligible for at the moment?