Author Topic: Misc Credit Card Questions  (Read 853042 times)

Offline Danny52857

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Re: Misc Credit Card Questions
« Reply #9780 on: December 31, 2020, 03:54:03 PM »
I currently have had a amex biz card for over a year. Will they require a hard inquiry if I want to open a new personal card?

Offline ShimshonK

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Re: Misc Credit Card Questions
« Reply #9781 on: December 31, 2020, 05:05:22 PM »
I currently have had a amex biz card for over a year. Will they require a hard inquiry if I want to open a new personal card?
All new cards require a hard inquiry... not quite following the question.

Offline mdv

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Re: Misc Credit Card Questions
« Reply #9782 on: December 31, 2020, 05:19:11 PM »
Does citi allow product changes within first year?
Sorry I don't have any snarky line for this space

Offline halluc1nati0n

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Re: Misc Credit Card Questions
« Reply #9783 on: December 31, 2020, 05:44:48 PM »
Does citi allow product changes within first year?
No. CARD act.

Offline Shaya E

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Re: Misc Credit Card Questions
« Reply #9784 on: January 01, 2021, 02:34:35 AM »
All new cards require a hard inquiry... not quite following the question.

Lots of banks only do a soft inquiry if you already have an account with them. But I don't think anyone exclusively does them so you can't rely on it even for personal to personal cards.

Offline dealtastic

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Re: Misc Credit Card Questions
« Reply #9785 on: January 01, 2021, 05:45:51 AM »
I currently have had a amex biz card for over a year. Will they require a hard inquiry if I want to open a new personal card?
Usually not for Amex cards.

Offline ShimshonK

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Re: Misc Credit Card Questions
« Reply #9786 on: January 01, 2021, 01:00:27 PM »
Lots of banks only do a soft inquiry if you already have an account with them. But I don't think anyone exclusively does them so you can't rely on it even for personal to personal cards.
Wow, never heard of such a thing. Any idea which banks have done that (sometimes) in the past?

Offline El Capitan

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Re: Misc Credit Card Questions
« Reply #9787 on: January 01, 2021, 01:23:59 PM »
What are my odds of approval for a CIU or CIC if I got my first card with Chase (CFF) just over 90 days ago? And do I have a better chance of getting approved for a biz card if I apply in branch?
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Offline yomo

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Re: Misc Credit Card Questions
« Reply #9788 on: January 02, 2021, 09:15:26 PM »
Hey looking for some advice as I've been out of the game for the past couple of years..

I currently have a Bonvoy personal & business card, and a Citi thank you card. I'm looking to open up as many new cards as possible now to take advantage of whatever offers are out there now.

What's most valuable now, and what cards should I open first?
TIA!

Offline Shaya E

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Re: Misc Credit Card Questions
« Reply #9789 on: January 02, 2021, 10:32:49 PM »
Hey looking for some advice as I've been out of the game for the past couple of years..

I currently have a Bonvoy personal & business card, and a Citi thank you card. I'm looking to open up as many new cards as possible now to take advantage of whatever offers are out there now.

What's most valuable now, and what cards should I open first?
TIA!

Do you have specific goals in mind? Do you have a stash of TY points already?

Offline ShimshonK

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Re: Misc Credit Card Questions
« Reply #9790 on: January 02, 2021, 11:40:52 PM »
Hey looking for some advice as I've been out of the game for the past couple of years..

I currently have a Bonvoy personal & business card, and a Citi thank you card. I'm looking to open up as many new cards as possible now to take advantage of whatever offers are out there now.

What's most valuable now, and what cards should I open first?
TIA!
The Chase Ink business cards have some of the best sign up bonuses in the game now. Currently have 6 of them :)

Offline shmooz

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Re: Misc Credit Card Questions
« Reply #9791 on: January 03, 2021, 12:01:26 AM »
 Can you have more than one of the same ink for the same business?

Offline Shaya E

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Re: Misc Credit Card Questions
« Reply #9792 on: January 03, 2021, 02:41:01 AM »
Can you have more than one of the same ink for the same business?
No. But you can get for multiple businesses. Or you can get a different Ink (presumably the Unlimited) and try PCing to another of the first (presumably the Cash).

Offline TBD

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Re: Misc Credit Card Questions
« Reply #9793 on: January 03, 2021, 02:48:17 AM »
Any good Barclay's arrival offers currently running?

Offline ShimshonK

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Re: Misc Credit Card Questions
« Reply #9794 on: January 03, 2021, 05:18:05 AM »
Can you have more than one of the same ink for the same business?
No. But you can get for multiple businesses. Or you can get a different Ink (presumably the Unlimited) and try PCing to another of the first (presumably the Cash).
Not quite sure it's a hard no like that (though I never tried more than 1 per biz or ssn).
@Dan writes
Quote
You can typically only have one of each Ink card open at the same time, but exceptions can be made and if you are approved, you will get the signup bonus even if you have the same card active or had it recently.