Author Topic: Misc Credit Card Questions  (Read 879229 times)

Offline coffeebean

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Feb 2018
  • Posts: 1745
  • Total likes: 357
  • DansDeals.com Hat Tips 7
  • Gender: Male
    • View Profile
  • Location: Connecticut
Re: Misc Credit Card Questions
« Reply #9420 on: August 16, 2020, 11:10:03 PM »
Will excessive returns from clothing stores on Amex Business open any eyes?
I try to sound as intelligent as possible.

Offline nirc

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2014
  • Posts: 609
  • Total likes: 5
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #9421 on: August 16, 2020, 11:53:32 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?

yes. no. correct.

Offline Cls2020

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2017
  • Posts: 161
  • Total likes: 10
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #9422 on: August 17, 2020, 10:08:46 AM »
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?
I believe the + can only transfer to Jetblue, but at a lower rate.

Offline Danlover111

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Dec 2016
  • Posts: 859
  • Total likes: 48
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Jackson
Re: Misc Credit Card Questions
« Reply #9423 on: August 18, 2020, 05:31:30 PM »
I was charged my AF on  the bonvoy biz 3 months ago,if i cancel now will i get back most of it?

Offline yungermanchik

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2018
  • Posts: 1168
  • Total likes: 818
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Previous Signatures: If you chapped hana'ah from a post, like it; You think you know the answers and things are the way they seem.. it just ain't so -The Rebbe from Lublin-
Re: Misc Credit Card Questions
« Reply #9424 on: August 18, 2020, 05:39:15 PM »
I was charged my AF on  the bonvoy biz 3 months ago,if i cancel now will i get back most of it?
Try calling for a retention offer. If they don't offer you one, you can ask them on the phone, but I think yes.
Small people talk about other people.
Average people talk about things
BIG PEOPLE TALK ABOUT IDEAS.

Offline jose34

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2016
  • Posts: 1894
  • Total likes: 87
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #9425 on: August 19, 2020, 11:47:33 AM »
Is there any benefit in paying money towards a credit card between due date and end of the Statement period?


Offline dealtastic

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2016
  • Posts: 397
  • Total likes: 12
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #9426 on: August 19, 2020, 12:39:16 PM »
Is there any benefit in paying money towards a credit card between due date and end of the Statement period?
Lower credit utilization.

Offline itunes

  • Dansdeals Silver Elite
  • **
  • Join Date: Jan 2015
  • Posts: 95
  • Total likes: 27
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #9427 on: August 19, 2020, 11:23:12 PM »
50 days past my AF on the CSP, looking to downgrade to no AF card. Rep saying no refund on AF past 41 days. Any way round that?

Offline justmeha

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Feb 2019
  • Posts: 1310
  • Total likes: 135
  • DansDeals.com Hat Tips 9
    • View Profile
Re: Misc Credit Card Questions
« Reply #9428 on: August 20, 2020, 12:00:13 AM »
is their a thread about reopening closed credit cards?

i just found out my chase amazon card was closed in April and i am wondering if their is any chance of me getting it reopened

tia

Offline Samb

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jul 2020
  • Posts: 242
  • Total likes: 24
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Next to coffee
Re: Misc Credit Card Questions
« Reply #9429 on: August 20, 2020, 12:16:50 AM »
50 days past my AF on the CSP, looking to downgrade to no AF card. Rep saying no refund on AF past 41 days. Any way round that?
Isnt the number 30 days?

Offline dealtastic

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2016
  • Posts: 397
  • Total likes: 12
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #9430 on: August 20, 2020, 12:17:37 AM »
is their a thread about reopening closed credit cards?

i just found out my chase amazon card was closed in April and i am wondering if their is any chance of me getting it reopened

tia
Unfortunately not. They usually send a letter telling you to use the card within 30 days or they'll close it.

Offline dealtastic

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2016
  • Posts: 397
  • Total likes: 12
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #9431 on: August 20, 2020, 12:18:24 AM »
Isnt the number 30 days?
30 days from statement close.

Offline 21young

  • DansDeals Copper Elite
  • *
  • Join Date: Aug 2020
  • Posts: 1
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #9432 on: August 20, 2020, 07:09:13 PM »
Any recommendations for a card with 0% APR intro and no annual fee? Credit over 700, doing construction so will be making lots of big purchases right away

Offline nirc

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2014
  • Posts: 609
  • Total likes: 5
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #9433 on: August 20, 2020, 07:32:15 PM »
Can anyone corroborate how long after an annual fee is posted, can one cancel card and still get a full refund.

Citi - have 37 days from when the fee is posted, and that's it.
Chase - have 30 days from when the statement containing the annual fee closes. This could be close to 60 days.

Offline yungermanchik

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2018
  • Posts: 1168
  • Total likes: 818
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Previous Signatures: If you chapped hana'ah from a post, like it; You think you know the answers and things are the way they seem.. it just ain't so -The Rebbe from Lublin-
Re: Misc Credit Card Questions
« Reply #9434 on: August 20, 2020, 07:44:57 PM »
50 days past my AF on the CSP, looking to downgrade to no AF card. Rep saying no refund on AF past 41 days. Any way round that?
Don't they prorate it after that, as apposed to giving a full refund until that time.
Small people talk about other people.
Average people talk about things
BIG PEOPLE TALK ABOUT IDEAS.

Offline 159dallas

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Dec 2013
  • Posts: 899
  • Total likes: 27
  • DansDeals.com Hat Tips 5
  • Gender: Male
    • View Profile
  • Location: New Jersey
  • Programs: IHG Platinum Premier, Hertz PC, Enterprise EE
Re: Misc Credit Card Questions
« Reply #9435 on: August 21, 2020, 06:30:48 PM »
If I apply for sapphire (reserve) and have a INK business any chance of combinding the points.

Offline dealtastic

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2016
  • Posts: 397
  • Total likes: 12
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #9436 on: August 21, 2020, 07:43:50 PM »
If I apply for sapphire (reserve) and have a INK business any chance of combinding the points.
Yes, you can transfer the points to your Sapphire. Just need to link them online.

Offline yearning2travel

  • Dansdeals Bronze Elite
  • *
  • Join Date: Aug 2020
  • Posts: 25
  • Total likes: 3
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Virginia
Re: Misc Credit Card Questions
« Reply #9437 on: August 22, 2020, 07:12:46 PM »
What are Chase and Amex policies about awarding anniversary hotel nights on upgraded Marriott and Hilton cards? Suppose midway through the card year you upgrade from a sub $100 annual fee hotel card to the premium Ritz or Aspire card and you pay the prorated fee for the upgrade. When the card year anniversary hits and you're charged the full annual fee, at which point you've had the upgraded Ritz/Aspire card less than a year, do you get the free anniversary night? Or does this only happen when you've had the upgraded card somewhere past 12 months?

Offline eternity88

  • Dansdeals Bronze Elite
  • *
  • Join Date: Aug 2016
  • Posts: 43
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: San Francisco
Re: Misc Credit Card Questions
« Reply #9438 on: August 24, 2020, 06:13:33 AM »
Anyway of getting a Chase CLI online without calling in? I lowered my CL 6 months ago to get approved for CIP and I am trying to get CSR but my credit line for all my cards are too low

Offline Eb228

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2019
  • Posts: 250
  • Total likes: 83
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: Lakewood, NJ
Re: Misc Credit Card Questions
« Reply #9439 on: August 24, 2020, 09:12:16 PM »
I opened the Hilton Aspire and spent $200 on restaurants hoping for the credit instead of the resort credit.
Any idea how long it can take to post? Also, how can I guarantee that the places I shopped at Amex classify as restaurants? (I bought in Lkwd at Sprinkles, Glatt Gourmet & Creme)
Or direct to post where this is discussed