Author Topic: Misc Credit Card Questions  (Read 1853336 times)

Offline coffeebean

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Re: Misc Credit Card Questions
« Reply #9620 on: October 27, 2020, 07:15:56 PM »
The key is to show utilization, but keep it as low as possible. Being that utilization is calculated by total CL, regardless of number of cards, the trick only needs to be done on one of them. As far as someone with only a single card, why wouldn't they do it on that single card?
Does carrying a balance on Business cards make a difference?

Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #9621 on: October 27, 2020, 07:30:20 PM »
Does carrying a balance on Business cards make a difference?
No

ETA
According to possibly outdated information it will report to EQ but not the others.
« Last Edit: October 27, 2020, 07:52:01 PM by Yo ssi »
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Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #9622 on: October 27, 2020, 07:41:03 PM »
Does carrying a balance on Business cards make a difference?
No, as long as the card doesn't report to the CB's
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Offline bhoaem

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Re: Misc Credit Card Questions
« Reply #9623 on: October 27, 2020, 08:02:43 PM »
I applied for the Chase sapphire preferred which was approved and the Freedom Unlimited was denied.
Upon calling recon they said it was denied because of too many applications submitted for credit. They can resubmit the application for recon but it will need another hard pull.
Does this make sense? Or HUCA?
Called recon twice more. Both times they said that in order to reconsider they would need to hard pull. Also they said that they can't transfer credit from the newly opened CSP. Only possible from an older account.

Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #9624 on: October 28, 2020, 04:42:19 PM »
To answer @lcm keeping activity annually is for the credit card company, which will close your card otherwise.
Correction:
it seems people have gotten shutdown for cards with no activity within a year, some recommend to have activity on a quarterly basis. Obviously there's no set rule and it's up to the CCC discretion.
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Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #9625 on: October 28, 2020, 04:50:42 PM »
Correction:
it seems people have gotten shutdown for cards with no activity within a year, some recommend to have activity on a quarterly basis. Obviously there's no set rule and it's up to the CCC discretion.
Do we have any confirmed cases of being closed for less than year or 6 months?
Only on DDF does 24/6 mean 24/5/half/half

Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #9626 on: October 28, 2020, 04:51:38 PM »
Do we have any confirmed cases of being closed for less than year or 6 months?
Yes less then a year (Amex)
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Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #9627 on: October 28, 2020, 04:52:02 PM »
Only on DDF does 24/6 mean 24/5/half/half

Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #9628 on: October 28, 2020, 04:56:25 PM »
Link?
Not a forum member, I'll post more details when I get them.
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Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #9629 on: October 28, 2020, 05:00:32 PM »
Not a forum member, I'll post more details when I get them.
Make sure you get the full story.  ;)
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Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #9630 on: October 28, 2020, 05:21:27 PM »
Yes less then a year (Amex)
No confirmation on this but here is another interesting case.


Opened a Hilton Honors card 4 moths ago, as a first Amex card. Spent for the sign up bonus then stopped using the card.

when tried signing up for his 2nd card he got this message:


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Offline mimb

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Re: Misc Credit Card Questions
« Reply #9631 on: October 28, 2020, 06:06:50 PM »
I've been a long time AMEX member but am now stuck in pop-up hell. Tried applying for a Green and Gold and both times got the popup stating I don't qualify for the sign up bonus. Anything I can do to get out of it? I only have the SPG Biz, BBP, and Blue Sky (first ever card)

Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #9632 on: October 28, 2020, 06:19:21 PM »
I've been a long time AMEX member but am now stuck in pop-up hell. Tried applying for a Green and Gold and both times got the popup stating I don't qualify for the sign up bonus. Anything I can do to get out of it? I only have the SPG Biz, BBP, and Blue Sky (first ever card)
Same as above?
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Offline mimb

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Re: Misc Credit Card Questions
« Reply #9633 on: October 28, 2020, 06:49:19 PM »
Same as above?

I put spend on all of them. BBP more than the others but I can't understand why it's happening. I've also paid the AF on SPG Biz for several years now..

Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #9634 on: October 28, 2020, 08:50:03 PM »
No confirmation on this but here is another interesting case.


Opened a Hilton Honors card 4 moths ago, as a first Amex card. Spent for the sign up bonus then stopped using the card.

when tried signing up for his 2nd card he got this message:


Yo, where have you been? This has been around for 2 years.
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Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #9635 on: October 28, 2020, 08:51:54 PM »
Yo, where have you been? This has been around for 2 years.
I'm sorry I was taking a nap :P
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Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #9636 on: October 28, 2020, 09:05:34 PM »
I'm sorry I was taking a nap
Clearly.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #9637 on: October 28, 2020, 09:15:02 PM »
Clearly.
So let's hear the exact formula, when do they issue the above?
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Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #9638 on: October 28, 2020, 09:18:31 PM »
So let's hear the exact formula, when do they issue the above?
Nobody knows
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Online Yo ssi

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Re: Misc Credit Card Questions
« Reply #9639 on: October 28, 2020, 09:20:27 PM »
Nobody knows
Can you please refer a link to a similar case?
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