Author Topic: Misc Credit Card Questions  (Read 935418 times)

Offline Joel

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Re: Misc Credit Card Questions
« Reply #9480 on: October 12, 2020, 01:18:49 AM »
If i have possible fraud hard inquiry does that mean that someone didn't open a new account? Or could the new account show later..
What did you end up doing?
A family member just sent a screenshot from credit karma over yom tov someone tried applying for 5 cards..
What is the next step call each issuer?
« Last Edit: October 12, 2020, 01:23:28 AM by Joel »

Offline lcm

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Re: Misc Credit Card Questions
« Reply #9481 on: October 12, 2020, 09:11:31 AM »
What did you end up doing?
A family member just sent a screenshot from credit karma over yom tov someone tried applying for 5 cards..
What is the next step call each issuer?
Based on what I have read here (and I think there was something on MS at some point)
You probably want to check annualcreditreport to make sure it's true from an official source,
Then call each credit bureau and request a credit freeze

Offline MoYS

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Re: Misc Credit Card Questions
« Reply #9482 on: October 12, 2020, 09:41:47 AM »
Based on what I have read here (and I think there was something on MS at some point)
You probably want to check annualcreditreport to make sure it's true from an official source,
Then call each credit bureau and request a credit freeze
Yes, but after that you will still need to call the issuer in order to get it removed from your credit report. (i believe you can also dispute it through the credit reporting agencies but they probably request that you first go through the issuer and it will most likely take longer)

Offline Joel

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Re: Misc Credit Card Questions
« Reply #9483 on: October 12, 2020, 09:44:26 AM »
Based on what I have read here (and I think there was something on MS at some point)
You probably want to check annualcreditreport to make sure it's true from an official source,
Then call each credit bureau and request a credit freeze
Looks like you are correct. Credit karma reported a few soft inquires as hard..
thnx

Offline Samb

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Re: Misc Credit Card Questions
« Reply #9484 on: October 12, 2020, 04:43:55 PM »
Looks like you are correct. Credit karma reported a few soft inquires as hard..
thnx
interesting. so no new accounts opened in their name?

Offline Joel

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Re: Misc Credit Card Questions
« Reply #9485 on: October 12, 2020, 05:15:45 PM »
interesting. so no new accounts opened in their name?
Seems so BH!
Family member was so frustrated.
Said person has upper 800 score and can easily be approved for anything...

Online El Capitan

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Re: Misc Credit Card Questions
« Reply #9486 on: October 13, 2020, 01:43:03 PM »
Does closing a delta gold business amex do anything bad? It's a business card so I know my score isn't an issue but I'm wondering is it flags anything with Amex. I'm planning on closing the card a year after I got it
Still looking for a good MS method :)

Offline Joel

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Re: Misc Credit Card Questions
« Reply #9487 on: October 13, 2020, 02:20:50 PM »
Does closing a delta gold business amex do anything bad? It's a business card so I know my score isn't an issue but I'm wondering is it flags anything with Amex. I'm planning on closing the card a year after I got it
No.
Make sure its more then 12 months.


Offline chayie

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Re: Misc Credit Card Questions
« Reply #9488 on: October 13, 2020, 11:11:03 PM »
sorry if this is the wrong place to post.

I finished my annual max $6000 spend on Amex preferred to get my 3X points for groceries. What are other cards that offer more than 1 point per dollar for grocery stores?

thanks

Online etech0

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Re: Misc Credit Card Questions
« Reply #9489 on: October 13, 2020, 11:21:58 PM »
There is Everyday Preferred and Blue Cash Preferred
Workflowy. You won't know what you're missing until you try it.

Offline justmeha

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Re: Misc Credit Card Questions
« Reply #9490 on: October 13, 2020, 11:41:11 PM »
sorry if this is the wrong place to post.

I finished my annual max $6000 spend on Amex preferred to get my 3X points for groceries. What are other cards that offer more than 1 point per dollar for grocery stores?

thanks
amex gold, and new applicants to the chase freedom flex/unlimited

Online etech0

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Re: Misc Credit Card Questions
« Reply #9491 on: October 13, 2020, 11:56:21 PM »
Also Blue Cash Everyday which has no annual fee but lower CB rate.

And one quarter per year Chase Freedom has 5%
Workflowy. You won't know what you're missing until you try it.


Online Yehudaa

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Re: Misc Credit Card Questions
« Reply #9493 on: October 16, 2020, 12:16:31 PM »
If I refer a friend to a chase card and before the points for the referral post i close (or downgrade) that card, will I still get the bonus?
Per forum rule #2, no discussion of referral offers is allowed on the forums.

Offline Yo ssi

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Re: Misc Credit Card Questions
« Reply #9494 on: October 16, 2020, 12:53:09 PM »
Per forum rule #2, no discussion of referral offers is allowed on the forums.
Can we join the mod team? ;) ;D

Offline davidd75

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Re: Misc Credit Card Questions
« Reply #9495 on: October 16, 2020, 12:53:28 PM »
 Anybody have any success bypassing amex popup(getting bonus offer) by calling in to apply if you never had the card before?

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Re: Misc Credit Card Questions
« Reply #9496 on: October 16, 2020, 01:22:21 PM »
Can we join the mod team? ;) ;D
Per forum rule #11, discussion of forum moderation actions must be done via the Private Messaging system.

Offline davidd75

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Re: Misc Credit Card Questions
« Reply #9497 on: October 16, 2020, 02:02:06 PM »
Anybody have any success bypassing amex popup(getting bonus offer) by calling in to apply if you never had the card before?

some people mentioned they will try calling after receiving pop-up because they did not have card before but never heard of this working?

Offline Yo ssi

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Re: Misc Credit Card Questions
« Reply #9498 on: October 16, 2020, 02:39:45 PM »
Per forum rule #11, discussion of forum moderation actions must be done via the Private Messaging system.
Clearly there was no action involved in my question 😅

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