Author Topic: Misc Credit Card Questions  (Read 783670 times)

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1101
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5400 on: January 12, 2017, 08:38:04 PM »
Thanks. Don't they charge to freeze and/or unfreeze a report? I'm not really looking to app for anything in particular, but it would be nice, occasionally, to have EQ or TU pulled instead.

Some states are free,  some charge.  When you freeze a report you can get a pin which works with AMEX,  Chase and Citi.

And who cares if they charge $10.  If it helps you get approved its part of the cost of doing business.

ETA: I'm pretty sure i had to unfreeze EX for Wells Fargo.  Only time I've had to actually unfreeze the CRA as opposed to providing a pin.

Offline TimT

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 19049
  • Total likes: 1879
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Misc Credit Card Questions
« Reply #5401 on: January 12, 2017, 08:52:12 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)
Doesn't really matter anymore. Got the 30 day message, just logged in & vualá, it's showing.

Offline m.m.

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jul 2016
  • Posts: 222
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #5402 on: January 12, 2017, 08:52:28 PM »
how long do u have on barclay to get the whole annual fee back?

Offline TimT

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 19049
  • Total likes: 1879
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Misc Credit Card Questions
« Reply #5403 on: January 12, 2017, 08:53:51 PM »
how long do u have on barclay to get the whole annual fee back?
Should be 60 days from fee posting IIRC. SPCMIIW

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8330
  • Total likes: 973
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #5404 on: January 12, 2017, 09:01:58 PM »
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.
He was discussing average age of accounts, not CL ratio.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1101
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5405 on: January 12, 2017, 09:18:17 PM »
He was discussing average age of accounts, not CL ratio.

FICO only cares about AAoA.  That takes into account all accounts regardless of open or closed,  even if they are negative.

CreditKarma and other meaningless skores factor in AAoOA.  But they're meaningless so who cares?

So again,  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 mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8330
  • Total likes: 973
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #5406 on: January 12, 2017, 09:19:16 PM »
FICO only cares about AAoA.  That takes into account all accounts regardless of open or closed,  even if they are negative.

CreditKarma and other meaningless skores factor in AAoOA.  But they're meaningless so who cares?
My bad I forgot that it doesn't matter if they're closed.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline LoLo

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2014
  • Posts: 3660
  • Total likes: 142
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #5407 on: January 13, 2017, 01:08:15 AM »

AMEX always wants EX. 
-1, They pulled TU for me in N.Y.

  Chase and Citi are state dependent and usually wont budge.
-0.5, Citi will pull EQ in N.Y. If EX frozen, if unfrozen they'll pull ex or both.

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1101
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5408 on: January 13, 2017, 03:00:59 AM »
-1, They pulled TU for me in N.Y.

How many times has AMEX pulled only TU for you?  Last year at one time their EX connection was broken an they pulled TU for a couple days.  I know a lady who got AMEX cards with only a TU hit, but that's about the only time I've heard of it.

I have had AMEX pull TU on occasions where I've done a 3-for, but that was on top of pulling EX.  It also could be something they do when EX is frozen and you give them  pin, but I don't have any way to substantiate that...it's just my speculation.

Offline MRTHNMAN

  • Dansdeals Gold Elite
  • ***
  • Join Date: Sep 2012
  • Posts: 146
  • Total likes: 1
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Brooklyn, NY
Re: Misc Credit Card Questions
« Reply #5409 on: January 13, 2017, 04:41:26 AM »
When I cancel my prestige card to I have to request that they refund the annual fee or will they just do it automatically ?

Offline LoLo

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2014
  • Posts: 3660
  • Total likes: 142
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #5410 on: January 13, 2017, 09:53:47 AM »
How many times has AMEX pulled only TU for you?  Last year at one time their EX connection was broken an they pulled TU for a couple days.  I know a lady who got AMEX cards with only a TU hit, but that's about the only time I've heard of it.

I have had AMEX pull TU on occasions where I've done a 3-for, but that was on top of pulling EX.  It also could be something they do when EX is frozen and you give them  pin, but I don't have any way to substantiate that...it's just my speculation.
Couple months ago, called in to give ex pin, guy tells me 'no need for pin, I've already pulled your report..' then received alert that my tu was pulled.

Offline tov hashem

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jun 2014
  • Posts: 230
  • Total likes: 20
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Shomer shabbos
Re: Misc Credit Card Questions
« Reply #5411 on: January 13, 2017, 02:07:29 PM »
I Want to cancel my amex evd card. Is it possible to transfer the credit line to a diffrent account ? On the phone they say it's not possible?
✔️ I'm not a robot        reCAPTCHE

Offline chinagel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2014
  • Posts: 3428
  • Total likes: 251
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: brooklyn
Re: Misc Credit Card Questions
« Reply #5412 on: January 13, 2017, 02:08:48 PM »
I Want to cancel my amex evd card. Is it possible to transfer the credit line to a diffrent account ? On the phone they say it's not possible?
online under "account services" there is sometimes an option

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1101
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5413 on: January 13, 2017, 06:49:07 PM »
Couple months ago, called in to give ex pin, guy tells me 'no need for pin, I've already pulled your report..' then received alert that my tu was pulled.


Interesting.  I know someone who got three AMEX products a couple months ago and didn't get a single hard pull out of it.   Maybe they were broken again.

Offline Mr. CC

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Oct 2015
  • Posts: 644
  • Total likes: 16
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Yerushalayim
Re: Misc Credit Card Questions
« Reply #5414 on: January 14, 2017, 04:00:14 PM »
When I cancel my prestige card to I have to request that they refund the annual fee or will they just do it automatically ?
within time frame automatic