Author Topic: Misc Credit Card Questions  (Read 752199 times)

Offline justmeha

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Re: Misc Credit Card Questions
« Reply #9255 on: April 21, 2020, 09:29:48 AM »
Its not a bad offer anyway. Dont want to kill 5/24 over some extra MR whats the highest offer for EDP lately? Not worth the pull either.
@doctorofcredit has a 35k mr, But I donít know if itís recent

Offline justmeha

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Re: Misc Credit Card Questions
« Reply #9256 on: April 21, 2020, 09:30:59 AM »
UPDATE: called in and they waved the $100 b'h!
Had a similar problem put global entry charge on the primary card instead of the authorized user. Call them and got a credit adjustment

Offline justmeha

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Re: Misc Credit Card Questions
« Reply #9257 on: April 22, 2020, 10:56:33 PM »
seem to recall a 50k after $4500 spend on a us bank business card. was i dreaming or is it there somewhere, expired?

Offline Cls2020

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Re: Misc Credit Card Questions
« Reply #9258 on: April 23, 2020, 09:48:18 PM »
From my perspective its 25k+30k
Agreed

Offline yudawils

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Re: Misc Credit Card Questions
« Reply #9259 on: April 23, 2020, 10:53:38 PM »
Is there a reason a hospital I owe 25k would send only $491 to collection?
Should I pay it?
Is it bait to get the rest?

Offline Yma

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Re: Misc Credit Card Questions
« Reply #9260 on: April 24, 2020, 09:37:59 AM »
If I have a link that I used to refer a friend from my sapphire preferred, and I have since upgraded to the sapphire reserve, but the link still works. If someone else uses the same link will I earn the referral bonus even though I currently have the sapphire reserve? Thanks

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #9261 on: April 25, 2020, 09:38:40 PM »
Is there a reason a hospital I owe 25k would send only $491 to collection?
Should I pay it?
Is it bait to get the rest?
a) Maybe you owe it to different departments.
b)Usually I would say yes. 
c)Once you respond to a portion of a debt, the clock restarts on their ability to collect from you.


You can ask the collector for proof of the debt and proof that they have the authorization to collect it. That may explain a).

Offline ruru1000

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Re: Misc Credit Card Questions
« Reply #9262 on: April 26, 2020, 04:52:58 PM »
I've had Amex Gold for many years. Now that return protection isn't available on Gold, I'm going to get the Platinum card (70k bonus points). Question is, is there a way to downgrade the Gold to a free (no AF) card? I see no reason to pay for both gold and plat. Alternatively, I guess I could just upgrade my gold to plat, but there is currently no bonus points to upgrade (even when they did offer bonus points for upgrading, it was minimal).

Thanks!

Offline Cls2020

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Re: Misc Credit Card Questions
« Reply #9263 on: April 26, 2020, 09:30:47 PM »
I've had Amex Gold for many years. Now that return protection isn't available on Gold, I'm going to get the Platinum card (70k bonus points). Question is, is there a way to downgrade the Gold to a free (no AF) card? I see no reason to pay for both gold and plat. Alternatively, I guess I could just upgrade my gold to plat, but there is currently no bonus points to upgrade (even when they did offer bonus points for upgrading, it was minimal).

Thanks!
The Gold can only be upgraded to Plat (which your rightly do not want to do) or downgrade to the Green, whose AF was raised to $150.

Offline Jellybelly

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Re: Misc Credit Card Questions
« Reply #9264 on: April 27, 2020, 12:47:44 PM »
I have an Amex that got refunded from a flight that was canceled. I now have a credit of over $1000. Is there a way to get Amex to send it to me as I donít really use that card or do I need to use that card and spend that money?

Offline avrohomgelb

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Re: Misc Credit Card Questions
« Reply #9265 on: April 27, 2020, 01:04:41 PM »
I have an Amex that got refunded from a flight that was canceled. I now have a credit of over $1000. Is there a way to get Amex to send it to me as I donít really use that card or do I need to use that card and spend that money?
Yes, call them up they return money to bank accounts you made payments with. I just did it.

Offline etech0

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Re: Misc Credit Card Questions
« Reply #9266 on: April 27, 2020, 01:09:00 PM »
Yes, call them up they return money to bank accounts you made payments with. I just did it.
Yup. Some CCs do that automatically (I just got a check from Kohl's because I did returns and then didn't shop there for a couple months) and some you have to ask. With Chase I once got them to transfer my negative balance to a different card instead.
Workflowy. You won't know what you're missing until you try it.

Offline avrohomgelb

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Re: Misc Credit Card Questions
« Reply #9267 on: April 27, 2020, 01:27:15 PM »
Yup. Some CCs do that automatically (I just got a check from Kohl's because I did returns and then didn't shop there for a couple months) and some you have to ask. With Chase I once got them to transfer my negative balance to a different card instead.
I have negative balances on Chase cards they never transferred automatically

Offline etech0

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Re: Misc Credit Card Questions
« Reply #9268 on: April 27, 2020, 01:30:04 PM »
I have negative balances on Chase cards they never transferred automatically
Right, I called them to do it
Workflowy. You won't know what you're missing until you try it.

Offline ari3

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Re: Misc Credit Card Questions
« Reply #9269 on: April 27, 2020, 11:51:48 PM »
I have negative balances on Chase cards they never transferred automatically
I had it and they mailed a check after a few months.