Author Topic: Misc Credit Card Questions  (Read 907590 times)

Offline justmeha

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Re: Misc Credit Card Questions
« Reply #9320 on: June 07, 2020, 02:47:04 PM »
How? By getting other ones and downgrading? Or is there a simpler way?
1) product changing from another car
2) using a different EIN
3) convincing them over the phone that you need another card for the same business (I believe people have had luck with saying that they need to keep expenses separate)

Offline free123cc

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Re: Misc Credit Card Questions
« Reply #9321 on: June 19, 2020, 01:02:39 PM »
I got the capital one venture 10 months ago and received the 50k bonus, and cashed out my points. now the annual fee is coming up. does anyone know if they let u downgrade to another card thereby avoiding the annual fee? or is it better to close the card?

also if I downgrade - to which card would be best to downgrade to? and does capital one consider a downgrade a new cc and therefore make a new hard pull?

TIA

Offline etech0

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Re: Misc Credit Card Questions
« Reply #9322 on: June 22, 2020, 08:16:45 PM »
How long after paying an annual fee can you cancel a chase card and get the fee refunded?
Workflowy. You won't know what you're missing until you try it.

Offline dealtastic

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Re: Misc Credit Card Questions
« Reply #9323 on: June 22, 2020, 09:11:06 PM »
How long after paying an annual fee can you cancel a chase card and get the fee refunded?
30 days after statement has closed.

Offline etech0

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Re: Misc Credit Card Questions
« Reply #9324 on: June 22, 2020, 09:11:56 PM »
30 days after statement has closed.
TY!
Workflowy. You won't know what you're missing until you try it.

Offline free123cc

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Re: Misc Credit Card Questions
« Reply #9325 on: June 22, 2020, 11:30:09 PM »
I got the capital one venture 10 months ago and received the 50k bonus, and cashed out my points. now the annual fee is coming up. does anyone know if they let u downgrade to another card thereby avoiding the annual fee? or is it better to close the card?

also if I downgrade - to which card would be best to downgrade to? and does capital one consider a downgrade a new cc and therefore make a new hard pull?

Offline 159dallas

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Re: Misc Credit Card Questions
« Reply #9326 on: June 24, 2020, 08:30:59 AM »
I am planning on staying at hampton inn for 17nights the rate is about 87 per night including taxes. Would it be worth it to get a hhonors card just for that stay?

Offline simplicity

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Re: Misc Credit Card Questions
« Reply #9327 on: June 24, 2020, 02:04:22 PM »
I am planning on staying at hampton inn for 17nights the rate is about 87 per night including taxes. Would it be worth it to get a hhonors card just for that stay?
whats the downside?

Offline Thingywingy

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Re: Misc Credit Card Questions
« Reply #9328 on: July 01, 2020, 05:05:39 PM »
I was verifying my identity/SS number with a bank over the phone and the asked me a series of questions about where I and my relatives live or have lived. I have a sibling and sibling-in-law with the same name and they asked about them. Is there a way to know which person they are asking about?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline dovigz

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Re: Misc Credit Card Questions
« Reply #9329 on: July 01, 2020, 08:16:08 PM »
what would be a good credit card to open/have for amazon prime day, based on recent years, I don't want to miss out on any "sizzling" smoking hot deals this year, maybe @Dan can write a article on this. Thanks!

Offline dealtastic

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Re: Misc Credit Card Questions
« Reply #9330 on: July 02, 2020, 12:23:54 AM »
what would be a good credit card to open/have for amazon prime day, based on recent years, I don't want to miss out on any "sizzling" smoking hot deals this year, maybe @Dan can write a article on this. Thanks!
Chase Freedom

Offline yungermanchik

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Re: Misc Credit Card Questions
« Reply #9331 on: July 02, 2020, 12:30:14 AM »
what would be a good credit card to open/have for amazon prime day, based on recent years, I don't want to miss out on any "sizzling" smoking hot deals this year, maybe @Dan can write a article on this. Thanks!
You might want to have 1 of each type of points cc's (citi, chase, amex, discover) that often have % off deals with one point and use each one at least once before so you have a couple of points to use.
Small people talk about other people.
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BIG PEOPLE TALK ABOUT IDEAS.

Offline lcm

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Re: Misc Credit Card Questions
« Reply #9332 on: July 03, 2020, 01:49:22 AM »
Chase Freedom
Would the freedom unlimited also work?

Offline yungermanchik

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Re: Misc Credit Card Questions
« Reply #9333 on: July 03, 2020, 08:20:16 AM »
Would the freedom unlimited also work?
It would work for using the points for the discount, but he meant because freedom's category for july-sept is Amazon, so you get 5 pts per dollar instead of just 1.5 from the unlimited.
Small people talk about other people.
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Offline 159dallas

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Re: Misc Credit Card Questions
« Reply #9334 on: July 06, 2020, 12:49:33 PM »
Is there any sort of card i can get for like 1 month and then cancel without destroying my credit?

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #9335 on: July 06, 2020, 01:19:25 PM »
Is there any sort of card i can get for like 1 month and then cancel without destroying my credit?
Why not get a card that has no annual fee, then it's no bother to keep it.

Offline CRACKERJACK

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Re: Misc Credit Card Questions
« Reply #9336 on: July 08, 2020, 07:41:10 PM »
I disputed part of a Foreign charge on a card that charges a foreign exchange fee It reimbursed me the 3% of the amount Disputed plus the entire Foreign exchange fee
Is this a Some kinda glitch
Anyone have similar experience?

Offline ilherman

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Re: Misc Credit Card Questions
« Reply #9337 on: July 08, 2020, 08:45:55 PM »
Is there any thread discussing the advantages of Amex Corporate cards? I have a friend who got an invitation to apply for it. Something I remember that it doesn't have some of the options / benefits that the regular Plat has. Can someone enlighten me?
You can say what you think when you think what you say.

Offline Samb

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Re: Misc Random Questions
« Reply #9338 on: July 13, 2020, 12:22:10 AM »
Its not simple that you'll for sure be building his credit adding him as an AU on Chase. Amex is more probable. CMIIW.
Both Amex and Chase are not that best choices. Chase will not always report the account on the AU credit report (only if they find a connection between you and the AU in their internal system). Amex does not backdate. Use rather cards like Discover, Barclays, Citi or others 

Offline Samb

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Re: Misc Credit Card Questions
« Reply #9339 on: July 13, 2020, 11:40:51 PM »
Is there any sort of card i can get for like 1 month and then cancel without destroying my credit?
Closing a credit card does not destroy credit. It will not help you build credit but it's not a negative to credit either. But please note anytime you open a new account your credit will be affected by the new tradeline for up to six months