Author Topic: Misc Credit Card Questions  (Read 881826 times)

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.

Online 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 coffeebean

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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.
I try to sound as intelligent as possible.

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 coffeebean

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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
I try to sound as intelligent as possible.

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.

Offline nirc

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Re: Misc Credit Card Questions
« Reply #9270 on: April 28, 2020, 02:21:53 PM »
Do banks (citi, Barclays) claw back sign-up bonus miles if purchases made to reach minimum spend amount are returned?

Offline Cls2020

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Re: Misc Credit Card Questions
« Reply #9271 on: April 28, 2020, 02:44:49 PM »
Do banks (citi, Barclays) claw back sign-up bonus miles if purchases made to reach minimum spend amount are returned?
I believe so, although I have been diligent to ensure it does not happen to me personally, so I cannot speak from experience.

Offline nirc

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Re: Misc Credit Card Questions
« Reply #9272 on: April 28, 2020, 02:51:31 PM »
I believe so, although I have been diligent to ensure it does not happen to me personally, so I cannot speak from experience.

oh, that's not good. I bought a number of tickets on a few airlines months ago that will be soon refunded to me bec of flight cancellations. as the money gets refunded to original card, I will be short the SUB amount on a 3-4 cards if they take these refunds into consideration. I cant even spend now to make up the difference as the 3 month (spend window) period is over.

Offline Cls2020

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Re: Misc Credit Card Questions
« Reply #9273 on: April 28, 2020, 02:56:49 PM »
oh, that's not good. I bought a number of tickets on a few airlines months ago that will be soon refunded to me bec of flight cancellations. as the money gets refunded to original card, I will be short the SUB amount on a 3-4 cards if they take these refunds into consideration. I cant even spend now to make up the difference as the 3 month (spend window) period is over.
Some banks have extended the 3 month window a further 3 months (Chase and AMEX for sure have, I believe).

Offline nirc

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Re: Misc Credit Card Questions
« Reply #9274 on: April 28, 2020, 03:29:48 PM »
Some banks have extended the 3 month window a further 3 months (Chase and AMEX for sure have, I believe).

sadly, Barclays hasnt

Online yungermanchik

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Re: Misc Credit Card Questions
« Reply #9275 on: April 28, 2020, 07:51:05 PM »
sadly, Barclays hasnt
Try Messaging them. Chase agreed to extend in response to messages even before their official announcement.
Small people talk about other people.
Average people talk about things
BIG PEOPLE TALK ABOUT IDEAS.

Offline Joeymc

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Re: Misc Credit Card Questions
« Reply #9276 on: April 28, 2020, 08:03:37 PM »
Has anyone asked chase Sapphire reserve for a refund on annual fee as the main benefits of the card is travel and they can't do that now?
120 characters? Hmm, I wonder what I could write with 64 characters. Boy, it's gonna be hard to use up 15 characters. W-

Offline qwerty123

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Re: Misc Credit Card Questions
« Reply #9277 on: April 28, 2020, 10:10:22 PM »
i  have the same issue i met my signup spend and already got the points and now getting a refund... will they claw back right away or will i be given time to make more spend as i am still within 3 months...?

Offline qwerty123

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Re: Misc Credit Card Questions
« Reply #9278 on: April 28, 2020, 10:12:09 PM »
oh, that's not good. I bought a number of tickets on a few airlines months ago that will be soon refunded to me bec of flight cancellations. as the money gets refunded to original card, I will be short the SUB amount on a 3-4 cards if they take these refunds into consideration. I cant even spend now to make up the difference as the 3 month (spend window) period is over.
had it been within 3 months if you do more spend you would be fine?

Offline justmeha

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Re: Misc Credit Card Questions
« Reply #9279 on: April 28, 2020, 10:38:38 PM »
had it been within 3 months if you do more spend you would be fine?
oh, that's not good. I bought a number of tickets on a few airlines months ago that will be soon refunded to me bec of flight cancellations. as the money gets refunded to original card, I will be short the SUB amount on a 3-4 cards if they take these refunds into consideration. I cant even spend now to make up the difference as the 3 month (spend window) period is over.