Author Topic: Misc Credit Card Questions  (Read 1864591 times)

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1785
  • Total likes: 157
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #2140 on: January 04, 2016, 10:58:10 PM »
Can UR points be transferred from my freedom to my ink, so as to make them worth something?
What conditions need to be met to do this transfer?

Online TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Misc Credit Card Questions
« Reply #2141 on: January 04, 2016, 11:02:27 PM »
Can UR points be transferred from my freedom to my ink, so as to make them worth something?
What conditions need to be met to do this transfer?
Yes. Ultimaterewards.com select which card, click on the points on the top right, "combine points".
« Last Edit: January 04, 2016, 11:06:39 PM by TimT »

Offline Tom Brady

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jan 2015
  • Posts: 867
  • Total likes: 15
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: HVN/BDL
  • Programs: AA EP, Hyatt Diamond, SPG Platinum, Hilton Diamond, Ritz Platinum
Re: Misc Credit Card Questions
« Reply #2142 on: January 04, 2016, 11:03:04 PM »
Can UR points be transferred from my freedom to my ink, so as to make them worth something?
What conditions need to be met to do this transfer?

Yes, and since the cards are yours no conditions need to be met.

Offline joe1234

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jul 2015
  • Posts: 2071
  • Total likes: 535
  • DansDeals.com Hat Tips 19
    • View Profile
Re: Misc Credit Card Questions
« Reply #2143 on: January 04, 2016, 11:03:46 PM »
if i cancel my amex CC can i still dispute a charge afterwards?
bump

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1785
  • Total likes: 157
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #2144 on: January 04, 2016, 11:09:31 PM »
Yes, and since the cards are yours no conditions need to be met.
Thanks. Are the points like citi where they expire 90 days after transferring?
Out can I do a one time transfer and not worry about it?

Offline Tom Brady

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jan 2015
  • Posts: 867
  • Total likes: 15
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: HVN/BDL
  • Programs: AA EP, Hyatt Diamond, SPG Platinum, Hilton Diamond, Ritz Platinum
Re: Misc Credit Card Questions
« Reply #2145 on: January 04, 2016, 11:11:36 PM »
Thanks. Are the points like citi where they expire 90 days after transferring?
Out can I do a one time transfer and not worry about it?
No. You can transfer whenever you want and not worry about it.

Offline Mplace

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Oct 2014
  • Posts: 2039
  • Total likes: 11
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
  • Programs: Kan tzivah
Re: Misc Credit Card Questions
« Reply #2146 on: January 04, 2016, 11:26:37 PM »
What access does an account manager on amex have?
What's your plan for yud shvat?

Offline yochiek93

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2015
  • Posts: 4456
  • Total likes: 92
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #2147 on: January 04, 2016, 11:34:31 PM »
What access does an account manager on amex have?
Meaning?

Offline Mplace

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Oct 2014
  • Posts: 2039
  • Total likes: 11
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
  • Programs: Kan tzivah
Re: Misc Credit Card Questions
« Reply #2148 on: January 04, 2016, 11:35:53 PM »
Meaning?
if I make someone an account manager, what level of access do they have?
As of they are primary?
What's your plan for yud shvat?

Offline Tom Brady

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jan 2015
  • Posts: 867
  • Total likes: 15
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: HVN/BDL
  • Programs: AA EP, Hyatt Diamond, SPG Platinum, Hilton Diamond, Ritz Platinum
Re: Misc Credit Card Questions
« Reply #2149 on: January 04, 2016, 11:39:00 PM »
What access does an account manager on amex have?
I understood your question the first time. I just don't know the answer. :)

Offline gubevo18

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2014
  • Posts: 1074
  • Total likes: 95
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
  • Location: here
Re: Misc Credit Card Questions
« Reply #2150 on: January 04, 2016, 11:41:48 PM »
Am I correct in my understanding that an AMEX biz card even if its under my social will not show up on my credit report? If I have a high balance on a charge card will it hurt me? TIA

Offline yochiek93

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2015
  • Posts: 4456
  • Total likes: 92
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #2151 on: January 04, 2016, 11:43:54 PM »
Am I correct in my understanding that an AMEX biz card even if its under my social will not show up on my credit report? If I have a high balance on a charge card will it hurt me? TIA
It won't show up unless it's delinquent

Offline DMYD

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jul 2013
  • Posts: 2909
  • Total likes: 4
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
  • Location: Brooklyn
Re: Misc Credit Card Questions
« Reply #2152 on: January 04, 2016, 11:56:36 PM »
Am I correct in my understanding that an AMEX biz card even if its under my social will not show up on my credit report? If I have a high balance on a charge card will it hurt me? TIA
There is no such a thing as a high balance on a charge card, besides the point that biz cards are not on your credit report.

Offline Tom Brady

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jan 2015
  • Posts: 867
  • Total likes: 15
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: HVN/BDL
  • Programs: AA EP, Hyatt Diamond, SPG Platinum, Hilton Diamond, Ritz Platinum
Re: Misc Credit Card Questions
« Reply #2153 on: January 05, 2016, 12:02:03 AM »
There is no such a thing as a high balance on a charge card.
Is this known as fact? If all I have on my credit report is an Amex Gold Charge card with a $20k balance, will the 30% of my score that is "credit utilization" be good, bad, or neither?

Offline Mplace

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Oct 2014
  • Posts: 2039
  • Total likes: 11
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: New York
  • Programs: Kan tzivah
Re: Misc Credit Card Questions
« Reply #2154 on: January 05, 2016, 12:02:09 AM »
I understood your question the first time. I just don't know the answer. :)
well, my real question is, I opened a card for someone, but now if I need to deal with fraud.. Do I call up saying in him?
Or do I make myself a manager,
And making myself a manager have a bigger change of getting fr'd if he will?
What's your plan for yud shvat?

Offline Marko Rubio

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2015
  • Posts: 470
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #2155 on: January 05, 2016, 01:01:17 AM »
Is this known as fact? If all I have on my credit report is an Amex Gold Charge card with a $20k balance, will the 30% of my score that is "credit utilization" be good, bad, or neither?
There is no such a thing as a high balance on a charge card, besides the point that biz cards are not on your credit report.
paging pillansyme (or TIMT for link ;) ) he just mentioned somewhere that by ex they do count charge cards in utilization
Do u have any different idea for a signature?

Online TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Misc Credit Card Questions
« Reply #2156 on: January 05, 2016, 07:22:53 AM »
paging pillansyme (or TIMT for link ;) ) he just mentioned somewhere that by ex they do count charge cards in utilization
He said
You can also shove spend to AMEX personal charge cards, where the reported balances dont affect utilization.
You must mean this
EQ works a little differently in regards to charge cards.  They account for your largest reported balance in your total revolving credit against utilization or something.  Basically taking the highest reported balance and treating that as the credit limit for the charge card.  Really I've never paid attention to how EQ works.  My EQ score is 60-110 points higher than EX and TU, and no one ever pulls EQ for me other than credit unions.

Offline benjie1305

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 5844
  • Total likes: 17
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Location: NY Area
Re: Misc Credit Card Questions
« Reply #2157 on: January 05, 2016, 07:56:24 AM »

if I make someone an account manager, what level of access do they have?
As of they are primary?

Yes, in some regard. Can add au's, make payments, change information on the account. They basically don't need the actual primary person on the line like they usually would for a lot. For f/r purposes I don't know if that holds up.
Work hard, Play harder!

Offline username

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jul 2008
  • Posts: 4530
  • Total likes: 602
  • DansDeals.com Hat Tips 14
  • Gender: Male
    • View Profile
  • Location: C Heights
  • Programs: ┌──────────────────┐ │───> Ữ₴ΣЯИΛΜӘ <─── │ └──────────────────┘
Re: Misc Credit Card Questions
« Reply #2158 on: January 05, 2016, 11:26:23 AM »
if I make someone an account manager, what level of access do they have?
As of they are primary?
They can do anything, except close the account,(or ask for retention), IME.
^^^

Offline Venilla

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jun 2014
  • Posts: 847
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
  • Programs: Mothering
Re: Misc Credit Card Questions
« Reply #2159 on: January 05, 2016, 12:48:02 PM »
I just put a new post up about this card.

The Citi card is an MC.  Will have better purchase protections.  3% FTF

The Fidelity card is a Visa.  1% FTF.  It is serviced by Elan.  So it doesn't count against overall exposure from one of the big boys.
FTF?
I like vanilla but my name is Venilla.