Author Topic: Misc Credit Card Questions  (Read 784591 times)

Offline Joel

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Re: Misc Credit Card Questions
« Reply #9405 on: August 05, 2020, 09:50:57 PM »
Yup, usually it's instant approval. Recently they have to review the application. They claim I have too much credit on my Chase cards
Makes sense, I always lower my credit limits before applying for a new chase card

Offline Mootkim

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Re: Misc Credit Card Questions
« Reply #9406 on: August 05, 2020, 11:58:11 PM »
Has anyone ever got asked by Chase to move credit around from different cards?
I just had chase do it for me themselves without even asking them to. I had an app pending and then the next day I called recon to see what the status (without looking at my account to see that it had already been approved) and the rep said that they approved it but they had needed to move credit around to open it. They decided on their own which card to reduce credit from.

Offline mimb

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Re: Misc Credit Card Questions
« Reply #9407 on: August 06, 2020, 09:56:03 AM »
Any DP's how Citi treats a refund that will drop you below spending threshold for SUB? Based on what I read from TPG, Citi says they won't claw back but looking for first hand info

Offline 159dallas

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Re: Misc Credit Card Questions
« Reply #9408 on: August 10, 2020, 01:23:52 PM »
Can you lower a credit line on a credit card?

Offline Cls2020

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Re: Misc Credit Card Questions
« Reply #9409 on: August 10, 2020, 01:27:36 PM »
Can you lower a credit line on a credit card?
Generally, yes. Just call the bank and request.

Offline Samb

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Re: Misc Credit Card Questions
« Reply #9410 on: August 11, 2020, 09:45:48 AM »
Will a credit card offer a CDW if a rent a car using part enterprise points?

Speaking to a Amex rep she said not. Chase rep said yes

Do they have different rules on this? Was one of them mistaken?

Online Yma

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Re: Misc Credit Card Questions
« Reply #9411 on: August 12, 2020, 11:19:25 AM »
How long should I wait after canceling chase Marriott boundless card that is 2 years old to reapply to earn the 100k bonus?

Offline Samb

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Re: Misc Credit Card Questions
« Reply #9412 on: August 12, 2020, 02:37:15 PM »
How long should I wait after canceling chase Marriott boundless card that is 2 years old to reapply to earn the 100k bonus?
just a few days. the 24-month clock starts ticking from when you got the bonus 

Offline yungermanchik

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Re: Misc Credit Card Questions
« Reply #9413 on: August 12, 2020, 02:41:51 PM »
How long should I wait after canceling chase Marriott boundless card that is 2 years old to reapply to earn the 100k bonus?
just a few days. the 24-month clock starts ticking from when you got the bonus
Just make sure the old one is removed from your chase dashboard, or you will be rejected for 'already having this card'. If it's still there, you can sm to get them to remove it, before you apply.
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Offline Samb

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Re: Misc Credit Card Questions
« Reply #9414 on: August 12, 2020, 02:44:17 PM »
Just make sure the old one is removed from your chase dashboard, or you will be rejected for 'already having this card'. If it's still there, you can sm to get them to remove it, before you apply.
You can choose to login to apply(new option)  and see if the application is available. if it says application not available then it means it's still registered. (sometimes even if it doesn't show up in your chase dashboard)

Offline nirc

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Re: Misc Credit Card Questions
« Reply #9415 on: August 12, 2020, 02:59:26 PM »
if i do a product change with chase (preferred > freedom), is there a hard/soft credit pull?

Offline Samb

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Re: Misc Credit Card Questions
« Reply #9416 on: August 12, 2020, 03:06:28 PM »
if i do a product change with chase (preferred > freedom), is there a hard/soft credit pull?
no

Offline mimb

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Re: Misc Credit Card Questions
« Reply #9417 on: August 12, 2020, 03:30:25 PM »
Downgrade from Premier to Rewards+ keeps my TYP from expiring correct? Does Rewards+ have the ability to transfer to airline partners or only Premier and Prestige?

Offline yungermanchik

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Re: Misc Credit Card Questions
« Reply #9418 on: August 12, 2020, 04:33:25 PM »
Just make sure the old one is removed from your chase dashboard, or you will be rejected for 'already having this card'. If it's still there, you can sm to get them to remove it, before you apply.
Correction:
According to a chase phone rep. when you close an account it remains pending for 30 days
and the system automatically rejects applications for the same CC
and that is the policy and there is no reconsideration.
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Offline Samb

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Re: Misc Credit Card Questions
« Reply #9419 on: August 12, 2020, 10:57:52 PM »
Correction:
According to a chase phone rep. when you close an account it remains pending for 30 days
and the system automatically rejects applications for the same CC
and that is the policy and there is no reconsideration.
I have seen cards get approved  24-48 hours later. but you need to double-check to make sure it cleared out.