Author Topic: Misc Credit Card Questions  (Read 1911737 times)

Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #7000 on: January 30, 2018, 11:39:23 PM »
when someone signs up for an aa cc for him and his wife or a ua cc for him and his spouse can he put one ffn to keep all mileage in one account or you need 2 diffrent ffns
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Offline as2

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Re: Misc Credit Card Questions
« Reply #7001 on: January 31, 2018, 02:54:37 PM »
Can anyone comment on the FX rate differences between Visa/MC/Amex on no-FX fee cards?  The consensus seems to be that MasterCard offers the "best" rate, Visa one of the worst.  Is there truth to this?  All things considered in terms of earning points, would a MC be more appropriate in terms of monetary savings for someone living abroad (in terms of points-earning cards, let's say CSR Visa vs. Citi Prestige MC, forget about transfer partners for the moment).

I'm just thinking that if CSR is marking up the rate by 0.5%-1%, that may deduct from the net value of earned points compared to a MC that may markup less.
All I know is, I seem to be getting a better rate with my CSR, than the rate Google is telling me.
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Offline MI49

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Re: Misc Credit Card Questions
« Reply #7002 on: January 31, 2018, 03:19:13 PM »
I Just got an Amex Delta Skymiles Gold card. I didn't do any referral bonus. Can it be done after I get the Credit card? if yes @Dan do you have a referral code?

Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #7003 on: January 31, 2018, 03:37:51 PM »
I Just got an Amex Delta Skymiles Gold card. I didn't do any referral bonus. Can it be done after I get the Credit card? if yes @Dan do you have a referral code?
No you must use the link. (bonus must have been really low without a referral...)
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Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #7004 on: January 31, 2018, 03:38:17 PM »
I Just got an Amex Delta Skymiles Gold card. I didn't do any referral bonus. Can it be done after I get the Credit card? if yes @Dan do you have a referral code?
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Offline moe8555

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Re: Misc Credit Card Questions
« Reply #7005 on: January 31, 2018, 04:01:09 PM »
All I know is, I seem to be getting a better rate with my CSR, than the rate Google is telling me.

Interesting... same thing happened to me today.  I made a $1K charge on a non-Chase Visa and the amount pending was about $3 less than what Google said it should be.  I guess we'll see what amount it fully posts at.

Offline US

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Re: Misc Credit Card Questions
« Reply #7006 on: January 31, 2018, 04:16:10 PM »
If I change my current freedom to freedom unlimited will it be considered as a new card, as in closed account on the freedom and new open account on the freedom unlimited? Any changes on my CR?

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #7007 on: January 31, 2018, 04:17:47 PM »
If I change my current freedom to freedom unlimited will it be considered as a new card, as in closed account on the freedom and new open account on the freedom unlimited? Any changes on my CR?
When you do a 'product change' the cc # remains the same, and the account just keeps on ticking. They send you a new card that looks like the new product. (light blue freedom vs dark blue FU)  The benefits, AF, etc changes.  No change on the CR.
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Offline MasterAmex

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Re: Misc Credit Card Questions
« Reply #7008 on: January 31, 2018, 04:17:58 PM »
If I change my current freedom to freedom unlimited will it be considered as a new card, as in closed account on the freedom and new open account on the freedom unlimited? Any changes on my CR?
no changes on your CR

Offline US

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Re: Misc Credit Card Questions
« Reply #7009 on: January 31, 2018, 04:24:25 PM »
When you do a 'product change' the cc # remains the same, and the account just keeps on ticking. They send you a new card that looks like the new product. (light blue freedom vs dark blue FU)  The benefits, AF, etc changes.  No change on the CR.
On AMEX when I upgraded it was considered as new account, (the previous as in closed account) wanted to make sure about chase.
Hope you right.

Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #7010 on: January 31, 2018, 06:56:04 PM »
On AMEX when I upgraded it was considered as new account, (the previous as in closed account) wanted to make sure about chase.
Hope you right.
You probably did something different.
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Offline US

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Re: Misc Credit Card Questions
« Reply #7011 on: February 01, 2018, 11:04:28 AM »
You probably did something different.
Regular upgrade from Delta gold to Platinum.

Offline MasterAmex

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Re: Misc Credit Card Questions
« Reply #7012 on: February 01, 2018, 11:18:19 AM »
Regular upgrade from Delta gold to Platinum.
it should't come up as a new account,
guess your were lucky to have one of the great Amex reps to "help" you..

Offline US

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Re: Misc Credit Card Questions
« Reply #7013 on: February 01, 2018, 11:23:10 AM »
it should't come up as a new account,
guess your were lucky to have one of the great Amex reps to "help" you..
Oh well..
Gonna check again, just might be it was on CK, which I think isn't usually that accurate.

Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #7014 on: February 01, 2018, 11:33:55 AM »
Oh well..
Gonna check again, just might be it was on CK, which I think isn't usually that accurate.
For your CR it's entirely accurate
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Offline US

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Re: Misc Credit Card Questions
« Reply #7015 on: February 01, 2018, 11:38:42 AM »
For your CR it's entirely accurate
It is!? Always thought it's not accurate.
How about score, also accurate?

Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #7016 on: February 01, 2018, 11:41:26 AM »
It is!? Always thought it's not accurate.
How about score, also accurate?
Score is FAKO, I assume accurate FAKO, still not FICO
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Offline as2

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Re: Misc Credit Card Questions
« Reply #7017 on: February 01, 2018, 12:13:09 PM »
Interesting... same thing happened to me today.  I made a $1K charge on a non-Chase Visa and the amount pending was about $3 less than what Google said it should be.  I guess we'll see what amount it fully posts at.
Just used my BP, and it was about 10¢ above Google, which is still great. It is possible once these post, it will adjust. Still waiting on the first charges to post.
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Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #7018 on: February 01, 2018, 12:16:17 PM »
Score is FAKO, I assume accurate FAKO, still not FICO
A FAKO score is a score that anyone comes up with using an algorithm they developed themselves, not using the CB's algorithm. It doesn't really make sense to say that anything is an "accurate FAKO."
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Offline PillanSmye

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Re: Misc Credit Card Questions
« Reply #7019 on: February 02, 2018, 11:30:55 AM »
For your CR it's entirely accurate

Umm. No.