Author Topic: Misc Credit Card Questions  (Read 684334 times)

Offline shapsam

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Feb 2017
  • Posts: 2382
  • Total likes: 334
  • DansDeals.com Hat Tips 10
    • View Profile
Re: Misc Credit Card Questions
« Reply #8415 on: February 28, 2019, 08:28:23 PM »

Offline ludmila

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5164
  • Total likes: 268
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: IND
  • Programs: Hilton Diamond,Marriott Platinum,SPG Platinum.
Re: Misc Credit Card Questions
« Reply #8416 on: March 01, 2019, 02:57:20 AM »
I know this was discussed a few times on DDF but canít find it.
Can I have my chase personal and business cards in 1 log in?
Yes, I have personal and business under same log in.
I was the Best,still the Best, and will always be the Best.
Pele Good,Maradona Better, George Best.

Offline eis517

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2012
  • Posts: 693
  • Total likes: 4
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: New York
  • Programs: SPG, United
Re: Misc Credit Card Questions
« Reply #8417 on: March 04, 2019, 11:14:23 AM »
I know there are credit cards that don't charge a foreign transaction fee. But how do I know which ones give the best currency exchange rate? Meaning, do those that waive the foreign transaction fee just make it up by giving a worse exchange rate? Are certain providers better than others when it comes to exchange rate?

Offline David R

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2012
  • Posts: 1700
  • Total likes: 12
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: Brooklyn, NY
Re: Misc Credit Card Questions
« Reply #8418 on: March 04, 2019, 07:57:11 PM »
I know there are credit cards that don't charge a foreign transaction fee. But how do I know which ones give the best currency exchange rate? Meaning, do those that waive the foreign transaction fee just make it up by giving a worse exchange rate? Are certain providers better than others when it comes to exchange rate?
There's a Visa exchange rate that should be the same across all Visa cards.
https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html

And for MasterCard: https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html

On Citi cards, I have seen that the exchange rate in effect when it posts is the one that they use. So you may see an authorization when you make a purchase in the amount of the transaction based on the exchange rate in effect at that moment, but the final posted charge could be more or less, subject to subsequent fluctuations.

Now you can use the links I posted to compare some sample dates and see if one is consistently better than the other.

ETA: I understand that your question only involves transactions that are charged in a foreign currency. I just want to point out that some US credit cards have a different foreign exchange fee for transactions charged in a foreign currency than for transactions charged in US dollars.
« Last Edit: March 04, 2019, 08:10:34 PM by David R »

Offline eis517

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2012
  • Posts: 693
  • Total likes: 4
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: New York
  • Programs: SPG, United
Re: Misc Credit Card Questions
« Reply #8419 on: March 05, 2019, 10:39:10 AM »
There's a Visa exchange rate that should be the same across all Visa cards.
https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html

And for MasterCard: https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html

On Citi cards, I have seen that the exchange rate in effect when it posts is the one that they use. So you may see an authorization when you make a purchase in the amount of the transaction based on the exchange rate in effect at that moment, but the final posted charge could be more or less, subject to subsequent fluctuations.

Now you can use the links I posted to compare some sample dates and see if one is consistently better than the other.

ETA: I understand that your question only involves transactions that are charged in a foreign currency. I just want to point out that some US credit cards have a different foreign exchange fee for transactions charged in a foreign currency than for transactions charged in US dollars.

Thank you very much for the detailed response!

Offline Le-Oh

  • Dansdeals Silver Elite
  • **
  • Join Date: Dec 2016
  • Posts: 62
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #8420 on: March 05, 2019, 01:25:23 PM »
Amex did a financial review on my account and they want to close all my cc. Does anyone have any experience how to handle this or I if could fight it?

Offline as2

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5330
  • Total likes: 669
  • DansDeals.com Hat Tips 24
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #8421 on: March 05, 2019, 02:38:14 PM »
Amex did a financial review on my account and they want to close all my cc. Does anyone have any experience how to handle this or I if could fight it?
Check out this thread
Memories last forever, make them while you can.

Offline Le-Oh

  • Dansdeals Silver Elite
  • **
  • Join Date: Dec 2016
  • Posts: 62
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #8422 on: March 05, 2019, 04:30:13 PM »

Offline insider

  • Dansdeals Gold Elite
  • ***
  • Join Date: Nov 2014
  • Posts: 152
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Brooklyn, NY
  • Programs: Ink Bold
Re: Misc Credit Card Questions
« Reply #8423 on: March 13, 2019, 09:38:13 PM »
We ordered jewelry item online that was stollen by/from UPS. The item was purchased with Macys credit card.
We filed a dispute. It has been 3 month since purchase. Customer support does not have any resolution yet. 


Can you help with advice? How can we expedite the claim?

How/where can we file a complaint against Macys? is the small claims court our only option?

Offline David R

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2012
  • Posts: 1700
  • Total likes: 12
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: Brooklyn, NY
Re: Misc Credit Card Questions
« Reply #8424 on: March 14, 2019, 12:18:42 AM »
How/where can we file a complaint against Macys? is the small claims court our only option?
If there's an arbitration agreement, small claims court might not even be an option.
I see that for new applications, there is an arbitration agreement that you could opt out of within the first 45 days of opening the account.
« Last Edit: March 14, 2019, 12:48:09 AM by David R »

Offline Y. Kohn

  • DansDeals Copper Elite
  • *
  • Join Date: Feb 2019
  • Posts: 5
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Monsey, NY
Re: Misc Credit Card Questions
« Reply #8425 on: March 14, 2019, 11:07:42 AM »
If there's an arbitration agreement, small claims court might not even be an option.
I see that for new applications, there is an arbitration agreement that you could opt out of within the first 45 days of opening the account.
try to file a claim on the BBB website (-Better Business Bureau)

Offline DealKiller

  • Dansdeals Silver Elite
  • **
  • Join Date: Feb 2019
  • Posts: 95
  • Total likes: 9
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: CA
Re: Misc Credit Card Questions
« Reply #8426 on: March 14, 2019, 02:05:12 PM »
Is there any promos for converting an old Hyatt card to the new one?

Offline stmark

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jun 2012
  • Posts: 272
  • Total likes: 7
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #8427 on: March 15, 2019, 09:15:09 AM »
Which credit card should I open (or decide between) for a business (NY/NJ area) that needs to buy a lot of gas for many vehicles?
We have amex plat biz, ink prefered, Ink cash, Amex Gold & another amex plat biz. Or should we be using one of the ones we have had opened for 3+yrs (all cards have been opened and used for 3+ yrs and are used regularly)
TIA.

(should we consider opening a shell card and go directly for the "fuel rewards" program)

Offline insider

  • Dansdeals Gold Elite
  • ***
  • Join Date: Nov 2014
  • Posts: 152
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Brooklyn, NY
  • Programs: Ink Bold
Re: Misc Credit Card Questions
« Reply #8428 on: March 15, 2019, 10:33:10 AM »
try to file a claim on the BBB website (-Better Business Bureau)
I don't think Macy's is a member of BBB

Offline insider

  • Dansdeals Gold Elite
  • ***
  • Join Date: Nov 2014
  • Posts: 152
  • Total likes: 1
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Brooklyn, NY
  • Programs: Ink Bold
Re: Misc Credit Card Questions
« Reply #8429 on: March 15, 2019, 10:35:48 AM »
If there's an arbitration agreement, small claims court might not even be an option.
I see that for new applications, there is an arbitration agreement that you could opt out of within the first 45 days of opening the account.
there is an arbitration agreement. Is that the only option? Has anyone had experience filing dispute with arbitration?