Misc Credit Card Questions

[eli1571]

and another question on my wife account. if i had a few months that didnt pay bill by amex as a error and then paid all the balance after few months
can i apply now for a amex card or they will make problems?

Thanks

Shouldn't be a problem, unless it affected her credit score.

[Der Deutsche Jude]

I am having a big spend on a hotel coming up - which card should I use to maximize the points? Is there a card that gives 2X/3X points on hotels?
It's a Shangri-La so non of the branded cards could work...

Thanks!

Chase Sapphire Preferred - 2x points on all travel.

[chinagel]

is stop and shop no cc hard coded?

[yochiek93]

is stop and shop no cc hard coded?

Yes

[chinagel]

Yes

on reloadit also?

[Shlomi]

Chase Sapphire Preferred - 2x points on all travel.

Unfortunately I closed it (in order ro re-open but ran into 5/24 rule).
Is INK or Amex Platinum any good?

[CS91]

Unfortunately I closed it (in order ro re-open but ran into 5/24 rule).
Is INK or Amex Platinum any good?

Ink will also give you 2ppd on hotel charges.

[Schneur22]

Any point of adding a 12 year old as an AU?

[yochiek93]

Any point of adding a 12 year old as an AU?

Iinm the youngest you can add an AU is 15 cmiiw

[David Smith]

Iinm the youngest you can add an AU is 15 cmiiw

Differs issuer to issuer, and you can adjust birthday.

[yochiek93]

Differs issuer to issuer, and you can adjust birthday.

That I know, but there are issuers that officially allow under 15?

[David Smith]

That I know, but there are issuers that officially allow under 15?

https://www.creditboards.com/forums/index.php?/topic/477228-The-Master-Minimum-Age-for-Authorized-Users-Thread

[yochiek93]

https://www.creditboards.com/forums/index.php?/topic/477228-The-Master-Minimum-Age-for-Authorized-Users-Thread

Thanks

[Schneur22]

Iinm the youngest you can add an AU is 15 cmiiw

OK so 15. Is there any reason for a 15 year old to be an AU?

[yochiek93]

OK so 15. Is there any reason for a 15 year old to be an AU?

According to

https://www.creditboards.com/forums/index.php?/topic/477228-The-Master-Minimum-Age-for-Authorized-Users-Thread

It can even be less
And yes it helps

[Schneur22]

According to It can even be less
And yes it helps

Thanks

[yitrap]

Yes

You sure?

[yochiek93]

You sure?

So I've heard, but I'll be happy to be wrong.

[Mendelssohn]

There's no reason to add a minor as an AU except in the case of Amex, where it reports the open date as the date the AU was added.

If you add someone the month before they turn 18, the will inherit the exact same history as they would doing it years earlier. 

IMO they are much more likely to be the victim of ID theft if there is a prime credit profile just sitting there unmonitored.

If you feel the need to add minors as an AU, which IMO is not worth it, freeze their credit reports.

[PillanSmye]

There's no reason to add a minor as an AU except in the case of Amex, where it reports the open date as the date the AU was added.

If you add a minor as an AU to BofA,  then they can get the free museums entry