Misc Credit Card Questions

[Samb]

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

I have heard from someone successful just the other week

[chinagel]

Anywhere to get a list of all random banks that offer CC? Looking to get a bunch of 0 APR cards.

[yearning2travel]

Anywhere to get a list of all random banks that offer CC? Looking to get a bunch of 0 APR cards.

0% intro APR cards are coming back on the scene at the big banks after disappearing earlier in the pandemic. I haven't seen discussion of smaller banks offering much lately. Note that banks are often much more conservative with credit lines on 0% APR cards than they would be otherwise (and more conservative than they used to be). Referrals aren't allowed here but if you Google for 0% offers, the usual suspects will emerge.

[nirc]

attention experts ---- looking for advice on how to proceed. Thank you!

my story: I signed up and received a SUB on CitiBusiness platinum card for business #1 (sole prop no business name). A year later I was interested in getting the same card & SUB for business #2 (business name w/ EIN), so checked with Citi knowing the 48 month rule. Via chat that I still have a copy of, the representative confirmed I would in fact get a bonus on card for business #2 since applying under the legal business name. With that information, I applied and reached spend amount on card. As feared, bonus never showed and now Citi is refusing to honor their reps statement saying "it was a mistake".

tried HUCA via chat and phone. spoke to "supervisors" and nothing. any ideas???

[davidd75]

I have heard from someone successful just the other week

what exactly did they do? just call rep and lets the chips fall?

[davidd75]

I have heard from someone successful just the other week

that would be pretty significant if true

[Samb]

that would be pretty significant if true

The pop up said due to too many many opened or closed accounts....... The guy complaint that he never had any Amex cards this is his first one. The rep put him on hold and came back that ok you will get the bonus

[yearning2travel]

The pop up said due to too many many opened or closed accounts....... The guy complaint that he never had any Amex cards this is his first one. The rep put him on hold and came back that ok you will get the bonus

Hah! There's probably no one reading this who doesn't already have an Amex in their wallet (or sock drawer), so I don't think this line will work for us.

[dealtastic]

The pop up said due to too many many opened or closed accounts....... The guy complaint that he never had any Amex cards this is his first one. The rep put him on hold and came back that ok you will get the bonus

The question is whether the bonus will post automatically or require additional escalation. I don't think reps can simply overwrite this. In fact, in the past some reps said you won't get the bonus, but  it posted anyway.

[davidd75]

what happens when you call to apply with amex do they verbally read you the pop up disclosure?

[bhoaem]

Yes
Wait 90 days

Then why does 2bm work.
Or is that also risky

[Yo ssi]

Then why does 2bm work.
Or is that also risky

That's precisely why it works. 2bm (or really the same day) takes one pull

[davidd75]

Can I still claim total household income on an application for my 18 year old daughter if we still support her and she lives with us.

One recent chase rep claimed only if she is 21 or older

[justmeha]

One recent chase rep claimed only if she is 21 or older

this.

As far as I know it has always been this way

[Cls2020]

what happens when you call to apply with amex do they verbally read you the pop up disclosure?

Yes.

[Josef.koney]

If an application is pending (2 week notice) with chase, is it a bad idea to apply for another card with chase before getting approved?

[Cat18]

can i apply for 1 business and 1 personal chase credit cards and have only 1 credit pull? what about if do 2 personal credit cards?

[justmeha]

can i apply for 1 business and 1 personal chase credit cards and have only 1 credit pull? what about if do 2 personal credit cards?

1) no
2) should be 1 pull

[yeshivabucher]

Is chase credit increase a hard pull if yes if I open a freedom today will it be another hard pull if not which freedom should I open (or any other chase product)

[davidd75]

this.

As far as I know it has always been this way

  when she is 21 you can claim total household income for her application but when she is younger you cannot?  How does that make sense?

I don't remember Dan ever making that distinction with ages; I though as long as she is being supported she can claim total household income?