Author Topic: Misc Credit Card Questions  (Read 1889440 times)

Offline Mplace

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Re: Misc Credit Card Questions
« Reply #5300 on: January 02, 2017, 12:50:22 PM »
Well, I chated with them asking if there is a delay on there end, they said it takes 7-10 days
I guess they are really clueless...
What's your plan for yud shvat?

Offline yosefsv

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Re: Misc Credit Card Questions
« Reply #5301 on: January 02, 2017, 12:54:20 PM »
Well, I chated with them asking if there is a delay on there end, they said it takes 7-10 days
I guess they are really clueless...
that's the time frame that they always give but it usually posts within two business days.
If it benefits even just one fellow DDFer, its worth posting it.

Offline efflpetzel

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Re: Misc Credit Card Questions
« Reply #5302 on: January 02, 2017, 08:43:32 PM »
what happenes if i receive a credit on a card in which the credit will be double the cards credit line, will the credit go through & is it a red flag?

Offline Mplace

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Re: Misc Credit Card Questions
« Reply #5303 on: January 02, 2017, 08:54:22 PM »
what happenes if i receive a credit on a card in which the credit will be double the cards credit line, will the credit go through & is it a red flag?
a credit not a refund for a charge?
They say it's an issue if it's more Than  you spent
What's your plan for yud shvat?

Offline efflpetzel

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Re: Misc Credit Card Questions
« Reply #5304 on: January 02, 2017, 08:57:12 PM »
a credit not a refund for a charge?
They say it's an issue if it's more Than  you spent
correct its a refund

Offline Mplace

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Re: Misc Credit Card Questions
« Reply #5305 on: January 02, 2017, 08:59:21 PM »
correct its a refund
so why not put it to a different card (debit) assuming you have the choice?
What's your plan for yud shvat?

Offline efflpetzel

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Re: Misc Credit Card Questions
« Reply #5306 on: January 02, 2017, 09:01:22 PM »
so why not put it to a different card (debit) assuming you have the choice?
I don't have a choice therefore I need to know what to expect in this scenario

Offline Mplace

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Re: Misc Credit Card Questions
« Reply #5307 on: January 02, 2017, 09:04:03 PM »
As long as it's not more Than you've spent on the card,
Not sure what issue it can be
What's your plan for yud shvat?

Offline jsk173

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Re: Misc Credit Card Questions
« Reply #5308 on: January 02, 2017, 09:05:53 PM »
I thought banks hate refunds to cards that weren't used for the purchase? I know people have had checking accounts closed because of such refunds.

Offline Mplace

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Re: Misc Credit Card Questions
« Reply #5309 on: January 02, 2017, 09:07:24 PM »
I thought banks hate refunds to cards that weren't used for the purchase? I know people have had checking accounts closed because of such refunds.
I guess that's the Key?
What's your plan for yud shvat?

Offline efflpetzel

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Re: Misc Credit Card Questions
« Reply #5310 on: January 02, 2017, 09:15:44 PM »
its a refund to a credit card in which only 5% of the total charge was made with that card, unfortunately I only have the option of refunding the whole charge to that card which is much more then my credit line

Offline Mplace

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Re: Misc Credit Card Questions
« Reply #5311 on: January 02, 2017, 09:20:56 PM »
If it's a 1off I don't see an issue, as long as u have spent that amount in the past (and plan on spending it in the future)
What's your plan for yud shvat?

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #5312 on: January 03, 2017, 12:14:04 AM »
its a refund to a credit card in which only 5% of the total charge was made with that card, unfortunately I only have the option of refunding the whole charge to that card which is much more then my credit line
So when it posts to the card, call the card for a refund.
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Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #5313 on: January 03, 2017, 12:34:12 AM »
A lot of FI's are this way.
What if part of the purchase was charged to the card?
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Offline Mplace

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Re: Misc Credit Card Questions
« Reply #5314 on: January 03, 2017, 12:44:20 AM »
A lot of FI's are this way.
fi, financial institutions?
What's your plan for yud shvat?

Offline Mplace

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Re: Misc Credit Card Questions
« Reply #5315 on: January 03, 2017, 12:46:36 AM »
Yes.
ah, your saying cc and banks are the same in this regard?
What's your plan for yud shvat?

Offline jsk173

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Re: Misc Credit Card Questions
« Reply #5316 on: January 03, 2017, 12:50:28 AM »
If this was no big deal, every blog in the churning world would be telling people to meet minimum spend by buying a laptop on a new card and returning it on an older card.

I'm curious why the return can't be made to the original card. Ordinarily, returns and refunds can be made to even closed cards.

Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #5317 on: January 03, 2017, 12:51:22 AM »
If this was no big deal, every blog in the churning world would be telling people to meet minimum spend by buying a laptop on a new card and returning it on an older card.
There are other reasons bloggers aren't telling people to do that.
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Offline jsk173

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Re: Misc Credit Card Questions
« Reply #5318 on: January 03, 2017, 12:51:57 AM »
There are other reasons bloggers aren't telling people to do that.

Such as?

Offline jsk173

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Re: Misc Credit Card Questions
« Reply #5319 on: January 03, 2017, 12:58:31 AM »
See my signature. It is also a gray area.

Big difference between "less is more" and not doing something ever, which seemed to be your advice just a few minutes ago.