Author Topic: Misc Credit Card Questions  (Read 527628 times)

Offline Yammer

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Re: Misc Credit Card Questions
« Reply #8880 on: September 06, 2019, 10:33:55 AM »
Can Amex Biz and Personal pulls be merged within 30 days?

Offline qwerty123

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Re: Misc Credit Card Questions
« Reply #8881 on: September 06, 2019, 11:22:56 AM »
Can Amex Biz and Personal pulls be merged within 30 days?
with my experiencewith amex they will not pull if they see you have been paying your bills and have relationship with them. With that being sed they didnt pull a second pull when i applied for a buissniss card not long after i applied for a personal card.

Offline Yammer

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Re: Misc Credit Card Questions
« Reply #8882 on: September 06, 2019, 11:40:48 AM »
with my experiencewith amex they will not pull if they see you have been paying your bills and have relationship with them. With that being sed they didnt pull a second pull when i applied for a buissniss card not long after i applied for a personal card.
Correct, I'm just wondering even if they pull if it's possible to merge

Offline iluv2travel

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Re: Misc Credit Card Questions
« Reply #8883 on: September 06, 2019, 11:50:15 AM »
these days pretty fast within few days

Not for me, it took almost 8 weeks until it showed up in my account. Least was 6 weeks.

Offline Thingywingy

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Re: Misc Credit Card Questions
« Reply #8884 on: September 07, 2019, 10:07:29 PM »
I get tons of CC offers in the mail. Is there any way to stop them without calling each individual bank?
https://www.optoutprescreen.com/
Will this also stop offers regarding existing accounts I have with Banks and CC companies?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline dealtastic

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Re: Misc Credit Card Questions
« Reply #8885 on: September 09, 2019, 12:38:55 AM »
Will this also stop offers regarding existing accounts I have with Banks and CC companies?
Theoretically no, but you'll be surprised how much the volume is reduced. You could always opt out directly with the 1-2 banks that are sending the most.

Offline dealben

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Re: Misc Credit Card Questions
« Reply #8886 on: September 10, 2019, 10:52:43 PM »
I recently closed my Amex Delta gold card because of the annual fee. Then I realized that I should have downgraded to the free blue version. I called to see if they can reinstate the account, and the rep says that reinstatement is like a new app with a hard credit pull, and will be reported on my credit report as a new account. I'm not sure if I should believe that, and for this price I may as well do a new app with a signup bonus... Anyone have any info / experience with reinstatements from Amex?

Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #8887 on: September 11, 2019, 02:30:23 AM »
I recently closed my Amex Delta gold card because of the annual fee. Then I realized that I should have downgraded to the free blue version. I called to see if they can reinstate the account, and the rep says that reinstatement is like a new app with a hard credit pull, and will be reported on my credit report as a new account. I'm not sure if I should believe that, and for this price I may as well do a new app with a signup bonus... Anyone have any info / experience with reinstatements from Amex?
PUTPACA, if you get the same thing, HUCA. Reinstatments don't work like that, but this rep may be doing it incorrectly, and may actually just be applying for a card for you.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline dealsrus

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Re: Misc Credit Card Questions
« Reply #8888 on: September 11, 2019, 10:19:40 AM »
Anyone know best way to get cc with 0% apr with highest credit lines. A friend is looking to a get as close to 500k credit lines for 0% apr multiple cards are ok, if can work. His income is 700k.
Any help would be appreciated. Willing to compensate if works out.
   

Offline Muhammad

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Re: Misc Credit Card Questions
« Reply #8889 on: September 11, 2019, 11:38:49 AM »
Anyone know best way to get cc with 0% apr with highest credit lines. A friend is looking to a get as close to 500k credit lines for 0% apr multiple cards are ok, if can work. His income is 700k.
Any help would be appreciated. Willing to compensate if works out.
 
lol 😂😂

Offline nirc

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Re: Misc Credit Card Questions
« Reply #8890 on: September 11, 2019, 01:13:11 PM »
when citi premier writes how "you will receive 60k TY points after $4k in purchases are made within first 3 months", do pending charges count?

my statement closes tomorrow 9/12 and I have $600 worth of charges sitting as pending that likely will not post until after 9/12. if they don't count, what charges can I run up today that will definitely post in time?

Offline yosefsv

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Re: Misc Credit Card Questions
« Reply #8891 on: September 11, 2019, 01:16:26 PM »
when citi premier writes how "you will receive 60k TY points after $4k in purchases are made within first 3 months", do pending charges count?

my statement closes tomorrow 9/12 and I have $600 worth of charges sitting as pending that likely will not post until after 9/12. if they don't count, what charges can I run up today that will definitely post in time?
it will be posted with the transaction date, so you should be fine
If it benefits even just one fellow DDFer, its worth posting it.

Offline tzifanya54

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Re: Misc Credit Card Questions
« Reply #8892 on: September 11, 2019, 01:17:29 PM »
when citi premier writes how "you will receive 60k TY points after $4k in purchases are made within first 3 months", do pending charges count?

my statement closes tomorrow 9/12 and I have $600 worth of charges sitting as pending that likely will not post until after 9/12. if they don't count, what charges can I run up today that will definitely post in time?
Itís usually not exactly 90 days. It varies by issuer. Doc has a write up about it.

Offline nirc

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Re: Misc Credit Card Questions
« Reply #8893 on: September 11, 2019, 02:10:50 PM »
it will be posted with the transaction date, so you should be fine

so you mean that even if those charges remain in pending status until 9/14, thereby passing my official 9/12 statement close date, when it posts it will only have a date of when I actually swiped the card (9/11)?

Offline yosefsv

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Re: Misc Credit Card Questions
« Reply #8894 on: September 11, 2019, 02:14:17 PM »
so you mean that even if those charges remain in pending status until 9/14, thereby passing my official 9/12 statement close date, when it posts it will only have a date of when I actually swiped the card (9/11)?
IME Yes
If it benefits even just one fellow DDFer, its worth posting it.