Author Topic: Misc Credit Card Questions  (Read 1173749 times)

Offline rs242

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Re: Misc Credit Card Questions
« Reply #480 on: May 29, 2015, 05:09:36 PM »
How does work if I buy something pay the bill get the points then get a refund? Do they take the points? Is it YMMV? Does it differ by card? What about ink? Thanks if I'm asking in the wrong place TimT please show me the way

Online TimT

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Re: Misc Credit Card Questions
« Reply #481 on: May 29, 2015, 05:31:11 PM »
How does work if I buy something pay the bill get the points then get a refund? Do they take the points? Is it YMMV? Does it differ by card? What about ink? Thanks if I'm asking in the wrong place TimT please show me the way
Different banks work differently but doing too much of that is asking for trouble.

Offline foseph

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Re: Misc Credit Card Questions
« Reply #482 on: May 29, 2015, 05:37:56 PM »
hey so the title implies this might be where the q should go...
Looking for advice on next CCs to open. Not into doing a lot of churn for 8-9 cc  back to back to rack up bonuses. I currently have an ink and a united card. Looking for 1-2 cards that have bonus cats in the following: groceries, restaurants, and cabs/uber. for hotel i know im getting 2x from ink already.

I know dan's been pushing the amex everyday reg/preferred card for some of those cats. Anyone have any suggestions? Would a hotel card by good or Amex or Sapphire or something? tx

Online TimT

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Re: Misc Credit Card Questions
« Reply #483 on: May 29, 2015, 06:05:10 PM »
hey so the title implies this might be where the q should go...
Looking for advice on next CCs to open. Not into doing a lot of churn for 8-9 cc  back to back to rack up bonuses. I currently have an ink and a united card. Looking for 1-2 cards that have bonus cats in the following: groceries, restaurants, and cabs/uber. for hotel i know im getting 2x from ink already.

I know dan's been pushing the amex everyday reg/preferred card for some of those cats. Anyone have any suggestions? Would a hotel card by good or Amex or Sapphire or something? tx
This post breaks it down which card is best for each category.
(Just curious why you only want 1-2 cards. Is it all the spend required or mortgage coming up ?)

Offline foseph

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Re: Misc Credit Card Questions
« Reply #484 on: May 31, 2015, 10:07:32 AM »
This post breaks it down which card is best for each category.
(Just curious why you only want 1-2 cards. Is it all the spend required or mortgage coming up ?)
thanks ill reread that one. read it when it came up and forgot about it.
mix of fees and worried about being able to get retention bonuses and yea mortgage sooner or later. always trying to keep a high score

Online TimT

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Re: Misc Credit Card Questions
« Reply #485 on: May 31, 2015, 10:10:59 AM »
thanks ill reread that one. read it when it came up and forgot about it.
mix of fees and worried about being able to get retention bonuses and yea mortgage sooner or later. always trying to keep a high score
Even with many cards you could still have a great score. But if you have a mortgage coming up you should take it easy with new cards.

Offline foseph

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Re: Misc Credit Card Questions
« Reply #486 on: May 31, 2015, 10:12:15 AM »
Even with many cards you could still have a great score. But if you have a mortgage coming up you should take it easy with new cards.
yea i realize that. its more the fees than anything. (yea i know the benefits pay for it)

not for about a yr

Offline clear thinker

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Re: Misc Credit Card Questions
« Reply #487 on: May 31, 2015, 10:21:13 AM »
How does work if I buy something pay the bill get the points then get a refund? Do they take the points? Is it YMMV? Does it differ by card? What about ink? Thanks if I'm asking in the wrong place TimT please show me the way
I never saw a bank that let's you keep the points after doing a refund, unless your talking about bonus points.

Online TimT

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Re: Misc Credit Card Questions
« Reply #488 on: May 31, 2015, 10:23:19 AM »
yea i realize that. its more the fees than anything. (yea i know the benefits pay for it)

not for about a yr
Mortgage in a year ? Then go easy

Offline foseph

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Re: Misc Credit Card Questions
« Reply #489 on: May 31, 2015, 10:24:24 AM »
Mortgage in a year ? Then go easy
yup true. did ink in oct2014 and will probably do 1-2 this week.

Offline doovid d

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Re: Misc Credit Card Questions
« Reply #490 on: May 31, 2015, 11:19:52 AM »
When requesting a reconsideration does it make a hard pull or ruin my score and when is it best to call for recon thanx.

Online TimT

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Re: Misc Credit Card Questions
« Reply #491 on: May 31, 2015, 11:27:58 AM »
When requesting a reconsideration does it make a hard pull or ruin my score and when is it best to call for recon thanx.
With chase they say its best early morning or late night. Shouldn't be a hard pull but just double check with them.

Online avromie7

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Re: Misc Credit Card Questions
« Reply #492 on: May 31, 2015, 11:28:59 AM »
When requesting a reconsideration does it make a hard pull or ruin my score and when is it best to call for recon thanx.
No, unless they tell you otherwise
I wonder what people who type "u" instead of "you" do with all their free time.

Offline IsraelGuy

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Re: Misc Credit Card Questions
« Reply #493 on: May 31, 2015, 04:33:28 PM »
Does Amex still allow points advance when transferring MRs? I remember this from a long time ago, but couldn't find current info on it....

Offline foseph

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Re: Misc Credit Card Questions
« Reply #494 on: May 31, 2015, 06:10:27 PM »
Mortgage in a year ? Then go easy
Got the amex everyday pref and will do chase freedom later this week. The uber and groceries is gonna rack up pts quick

Offline Ally25

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Re: Misc Credit Card Questions
« Reply #495 on: May 31, 2015, 11:02:30 PM »
can anyone help me out my accounts were closed down by chase about a year ago for no apparent reason other than that i was using amazon payments till today they will not approve me for any credit cards i recently opened a bank account and they shut that down too anyone have any experience with this please advise

Offline yitrap

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Re: Misc Credit Card Questions
« Reply #496 on: June 01, 2015, 01:32:17 AM »

can anyone help me out my accounts were closed down by chase about a year ago for no apparent reason other than that i was using amazon payments till today they will not approve me for any credit cards i recently opened a bank account and they shut that down too anyone have any experience with this please advise
Check out the chase A/A thread. You'll find a ton of stories there to help you.

Offline maxie m

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Re: Misc Credit Card Questions
« Reply #497 on: June 01, 2015, 01:50:17 PM »
Seems like my search bar is screwed up, anyone have success getting amex to change  blue sky to another account type such as EDP, they won't budge with me
Dumb people learn from their own mistakes,smart people,from the mistakes of others

Offline clear thinker

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Re: Misc Credit Card Questions
« Reply #498 on: June 02, 2015, 05:53:58 PM »
How can I know the exact date I "have" to pay my amex charge card?
Is it a coincidence that all the charge cards I have with them have the same closing and please pay by date?

Online TimT

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Re: Misc Credit Card Questions
« Reply #499 on: June 02, 2015, 06:00:18 PM »
How can I know the exact date I "have" to pay my amex charge card?
Is it a coincidence that all the charge cards I have with them have the same closing and please pay by date?
It has to be paid up when the next statement closes.