Author Topic: Misc Credit Card Questions  (Read 1945660 times)

Offline TimT

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Re: Misc Credit Card Questions
« Reply #5560 on: February 19, 2017, 01:46:55 PM »
Is there any difference in paying cc bill online vs on the phone ? In regards to how quick the funds are withdrawn from the bank or anything else.

Offline sky121

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Re: Misc Credit Card Questions
« Reply #5561 on: February 19, 2017, 04:21:32 PM »
Anyone know a place or site that can charge a CC with just the CC number and no exp or 3 digit code?
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Offline David Smith

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Re: Misc Credit Card Questions
« Reply #5562 on: February 19, 2017, 04:40:25 PM »
Anyone know a place or site that can charge a CC with just the CC number and no exp or 3 digit code?
Expiration should be simple to figure out if it's your card. There are places that don't need CVV.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #5563 on: February 19, 2017, 04:41:16 PM »
Amazon doesn't require CVV IINM
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Offline sky121

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Re: Misc Credit Card Questions
« Reply #5564 on: February 19, 2017, 04:46:08 PM »
Expiration should be simple to figure out if it's your card. There are places that don't need CVV.
How would I know exp ? How long from when card was opened ?
"Not all who wander are lost"

Offline David Smith

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Re: Misc Credit Card Questions
« Reply #5565 on: February 19, 2017, 04:48:12 PM »
How would I know exp ? How long from when card was opened ?
Chase is 3 years, Citi 4 years, amex 5 years... Every card issuer is different, but usually consistent.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Offline sky121

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Re: Misc Credit Card Questions
« Reply #5566 on: February 19, 2017, 05:36:59 PM »
Chase is 3 years, Citi 4 years, amex 5 years... Every card issuer is different, but usually consistent.

Thanks. I will give that a try. It's my grandmothers IHG Chase. And with all the shutdowns for cards not used lately I want to make sure to spend a few dollars on it.    Its only kept open for the free annual night.
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Offline sky121

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Re: Misc Credit Card Questions
« Reply #5567 on: February 19, 2017, 05:58:22 PM »
Amazon doesn't require CVV IINM
Expiration should be simple to figure out if it's your card. There are places that don't need CVV.


Thanks y'all. That worked. Can always count on DDF :)
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Offline ttn

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Re: Misc Credit Card Questions
« Reply #5568 on: February 23, 2017, 09:33:14 PM »
I just closed a marriot business credit card and was refunded my annual fee of 99 dollars. after the account was close I requested a check of the positive Balance through sm, they replies they will send out a check of $1254.00 .
Did they just have a typo or is it possible they made a mistake and are sending me $1100 extra?
TIA

Offline sky121

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Re: Misc Credit Card Questions
« Reply #5569 on: February 23, 2017, 09:35:50 PM »
I just closed a marriot business credit card and was refunded my annual fee of 99 dollars. after the account was close I requested a check of the positive Balance through sm, they replies they will send out a check of $1254.00 .
Did they just have a typo or is it possible they made a mistake and are sending me $1100 extra?
TIA
Anything is possible.
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Offline Wizard

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Re: Misc Credit Card Questions
« Reply #5570 on: February 24, 2017, 02:19:59 PM »
My Amex PRG card is about to be charged its first AF and I want to get rid of it. I tried retention but they only offer 7500 points or $75... Do I close the card or upgrade/downgrade? TIA!
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Offline as2

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Re: Misc Credit Card Questions
« Reply #5571 on: February 24, 2017, 02:46:45 PM »
My Amex PRG card is about to be charged its first AF and I want to get rid of it. I tried retention but they only offer 7500 points or $75... Do I close the card or upgrade/downgrade? TIA!
Downgrade to a no fee card.
Memories last forever, make them while you can.

Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #5572 on: February 24, 2017, 02:47:49 PM »
Downgrade to a no fee card.
There is no charge card without an AF, lowest you can downgrade to is green.
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Offline Wizard

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Re: Misc Credit Card Questions
« Reply #5573 on: February 24, 2017, 02:56:03 PM »
There is no charge card without an AF, lowest you can downgrade to is green.
Thank, I can't download to a credit card - only to a charge card? Also, I never had these cards (the green or other no fee cards) so I lose the sign up bonus no?
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Offline chinagel

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Re: Misc Credit Card Questions
« Reply #5574 on: February 24, 2017, 02:56:36 PM »
Thank, I can't download to a credit card - only to a charge card? Also, I never had these cards (the green or other no fee cards) so I lose the sign up bonus no?
only to charge. yes you lose it

Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #5575 on: February 24, 2017, 02:57:04 PM »
Thank, I can't download to a credit card - only to a charge card? Also, I never had these cards (the green or other no fee cards) so I lose the sign up bonus no?
Correct, can't change from charge to credit. And yes, you would lose the bonus.
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Offline Wizard

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Re: Misc Credit Card Questions
« Reply #5576 on: February 24, 2017, 03:01:19 PM »
Correct, can't change from charge to credit. And yes, you would lose the bonus.
only to charge. yes you lose it
Thanks guys, so what would you recommend I do? Is there a charge card I can downgrade to that's worth losing the signup bonus so as to save a hard pull? Or wiser for me to close PRG?
Thanks so much
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline chinagel

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Re: Misc Credit Card Questions
« Reply #5577 on: February 24, 2017, 03:07:37 PM »
Thanks guys, so what would you recommend I do? Is there a charge card I can downgrade to that's worth losing the signup bonus so as to save a hard pull? Or wiser for me to close PRG?
Thanks so much
signup for the green and then downgrade

Offline Myccrabbi

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Re: Misc Credit Card Questions
« Reply #5578 on: February 24, 2017, 03:23:13 PM »
I got an offer in the mail to upgrade my citi AA platinum to the executive and receive 20k if I spend 2k in first 3 months of upgrading the card,  is it worth upgradung and downgrading? if yes how do I avoid the time of annual fee?
« Last Edit: February 24, 2017, 03:32:18 PM by Myccrabbi »
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Offline chinagel

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Re: Misc Credit Card Questions
« Reply #5579 on: February 24, 2017, 03:30:49 PM »
I got an offer in the mail to upgrade my citi AA platinum to the executive and receive 20k if I spend 2k in first 3 months of upgrading is and downgrading if yes how do I avoid the time of annual fee?
?