Author Topic: Misc Credit Card Questions  (Read 1896184 times)

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2972
  • Total likes: 136
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5380 on: January 11, 2017, 08:29:50 PM »
Will chase let me make a payment before my statement is due on card 1 from a bank account that is only added on to a card 2?

Offline as2

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5724
  • Total likes: 917
  • DansDeals.com Hat Tips 24
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #5381 on: January 11, 2017, 08:32:14 PM »
Will chase let me make a payment before my statement is due on card 1 from a bank account that is only added on to a card 2?
Why not? They let you make payments from any account AFIK
Memories last forever, make them while you can.

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 587
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Misc Credit Card Questions
« Reply #5382 on: January 11, 2017, 10:05:51 PM »
Will chase let me make a payment before my statement is due on card 1 from a bank account that is only added on to a card 2?

Push or pull? If trying to pay on Chase's site, only the bank accounts added for a particular card can be used. (It's not like Amex or Citi, where a bank account can be added to all accounts at the same time.)

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 587
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Misc Credit Card Questions
« Reply #5383 on: January 11, 2017, 11:00:46 PM »
Other than Barclays, anyone know of any banks that pull only TransUnion or Equifax regardless of the applicant's state of residence? Over 90% of my inquiries are on Experian, so I'd like to give that one a rest for a while. Thanks.

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2972
  • Total likes: 136
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5384 on: January 11, 2017, 11:19:03 PM »
Thanx. Side DP. I got amex to make 3 payments today before my statement closed, all from a brand new bank account. I was pretty surprised that it went through

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #5385 on: January 12, 2017, 12:57:36 AM »
First try retention, then upgrade if you've had the plat before, If you haven't then it's not worth it and just close it.
Thank you! What do I try for retention - meaning what should I aim for?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8394
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #5386 on: January 12, 2017, 01:13:07 AM »
Thank you! What do I try for retention - meaning what should I aim for?
Ask for the retention department and tell them that you're thinking of closing your card, there will either be an offer or there won't.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline David1

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jan 2015
  • Posts: 191
  • Total likes: 6
  • DansDeals.com Hat Tips 7
    • View Profile
Re: Misc Credit Card Questions
« Reply #5387 on: January 12, 2017, 01:49:33 AM »
Hope This is the right page. If I have a business and wanted to open a business cc with chase/Amex/Citi/Barclays  do I need to use a ssn or is there a way to only use the companies ein number?

Offline moe8555

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2014
  • Posts: 1305
  • Total likes: 155
  • DansDeals.com Hat Tips 12
  • Gender: Male
    • View Profile
  • Location: Israel
  • Programs: AA Platinum Pro, Virgin Atlantic Silver, IHG Diamond Ambassador, Hilton Diamond, Marriott Gold, Sixt Platinum
Re: Misc Credit Card Questions
« Reply #5388 on: January 12, 2017, 06:21:16 AM »
If I call Chase, am I able to book a specific fare class/bucket for a flight using UR points?

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 2098
  • Total likes: 230
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5389 on: January 12, 2017, 06:24:11 AM »
Other than Barclays, anyone know of any banks that pull only TransUnion or Equifax regardless of the applicant's state of residence? Over 90% of my inquiries are on Experian, so I'd like to give that one a rest for a while. Thanks.
Don't worry about it. Inquires are pretty much meaningless.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #5390 on: January 12, 2017, 10:59:20 AM »
Ask for the retention department and tell them that you're thinking of closing your card, there will either be an offer or there won't.
Thank you. So there's no HUCA with retention offers?

Also, don't know if this is right place but this PRG card is first card primarily in my name but I do have older cards listed on credit report as authorized user. Should I be concerned to close this?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8394
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #5391 on: January 12, 2017, 12:01:56 PM »
Thank you. So there's no HUCA with retention offers?

Also, don't know if this is right place but this PRG card is first card primarily in my name but I do have older cards listed on credit report as authorized user. Should I be concerned to close this?
You can try to HUCA but I don't think people have had success lately with amex, someone can CMIIW.
It will affect your score but assuming you have some other cards that are also older then you should be fine.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Online yitzgar

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2016
  • Posts: 3150
  • Total likes: 1305
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5392 on: January 12, 2017, 12:13:45 PM »
Ask for the retention department and tell them that you're thinking of closing your card, there will either be an offer or there won't.
-1 was told by csr there was no offer for BCP, but then after huca supervisor said he would give me $25 statement credit

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22689
  • Total likes: 7191
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Misc Credit Card Questions
« Reply #5393 on: January 12, 2017, 12:18:28 PM »
If someone has a pre-approval & applies online (using Dan's link OC) will that cause the pre-approval to disappear ? (Assuming they weren't approved)

Offline LoLo

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2014
  • Posts: 3777
  • Total likes: 197
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #5394 on: January 12, 2017, 01:10:54 PM »
If someone has a pre-approval & applies online (using Dan's link OC) will that cause the pre-approval to disappear ? (Assuming they weren't approved)
iirc No, but imbm.

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #5395 on: January 12, 2017, 05:08:06 PM »
You can try to HUCA but I don't think people have had success lately with amex, someone can CMIIW.
It will affect your score but assuming you have some other cards that are also older then you should be fine.
Thanks. Do you know the calacualte of and the percentage of CS affected by age of credit history?

-1 was told by csr there was no offer for BCP, but then after huca supervisor said he would give me $25 statement credit
Thanks
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1028
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5396 on: January 12, 2017, 07:21:07 PM »
Hope This is the right page. If I have a business and wanted to open a business cc with chase/Amex/Citi/Barclays  do I need to use a ssn or is there a way to only use the companies ein number?

They'll need your SSN and EIN unless you apply as SP,  then they'll need your SSN x2

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1028
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5397 on: January 12, 2017, 07:23:27 PM »
-1 was told by csr there was no offer for BCP, but then after huca supervisor said he would give me $25 statement credit

I called on a Biz SPG.  The CSR wouldn't connect me to retention but put me on hold and talked to them.  She came back and said theh had no offers but that she would give me a $95 statement credit.

So your right,  there's several paths available.

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1028
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5398 on: January 12, 2017, 07:25:27 PM »
You can try to HUCA but I don't think people have had success lately with amex, someone can CMIIW.
It will affect your score but assuming you have some other cards that are also older then you should be fine.

Closing a card WILL NOT affect your score unless it changes your utilization in a meaningful percentage (which is a moot point when discussing AMEX chargers.

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1028
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5399 on: January 12, 2017, 07:29:43 PM »
Other than Barclays, anyone know of any banks that pull only TransUnion or Equifax regardless of the applicant's state of residence? Over 90% of my inquiries are on Experian, so I'd like to give that one a rest for a while. Thanks.

Freeze EX and then app whoever you want. 

AMEX always wants EX.  Chase and Citi are state dependent and usually wont budge.

BofA,  USB,  FNBO can all be nudged to different CRA's if EX is frozen.
« Last Edit: January 12, 2017, 07:35:08 PM by PillanSmye »