Misc Credit Card Questions

[Mootkim]

is an upgrade to blue cash everyday counted towards 5/24

No it does not. 5/24 is only for new apps

[Mootkim]

Can I apply and get the bonus for the IHG Premier Club card if I still have the old card?

Its a different product so yes you can

[Iz]

Chase Ink card comes with this notice:
"This account is a business account, to be used only for business transactions. It is not intended for personal, family or household expenses."
Any thoughts from the experts here? PMs welcome.

[shmebeble]

Chase Ink card comes with this notice:
"This account is a business account, to be used only for business transactions. It is not intended for personal, family or household expenses."
Any thoughts from the experts here? PMs welcome.

Not sure what you are looking for exactly. But that is official language. Of course people have used the cards for personal spend.

[Iz]

Not sure what you are looking for exactly. But that is official language. Of course people have used the cards for personal spend.

#1 Do they really care?
#2 Do they check?
#3 Is there some A/A for this?
#4 Is this something new?
Thanks.

[S209]

#1 Do they really care?
#2 Do they check?
#3 Is there some A/A for this?
#4 Is this something new?
Thanks.

1- Not really
2- Not really
3- Not really
4- No

For certain things like car rental insurance if they determine it wasn’t a business expense they may not cover it

[Iz]

1- Not really
2- Not really
3- Not really
4- No

For certain things like car rental insurance if they determine it wasn’t a business expense they may not cover it

Thanks (really)!

[jose34]

If Amex sends a Upgrade notice offer where all you do is confirm your information.
Do they pull credit and if you click on the link do they approve you automatically?

[Spoon]

If Amex sends a Upgrade notice offer where all you do is confirm your information.
Do they pull credit and if you click on the link do they approve you automatically?

No
Yes

[lcm]

I have a delta gold personal card, the first year af was waived, but kicks in after a year.
Should I downgrade once the af posts, or catch it before - less than a year after opening the card?
Thanks

[Joel]

I have a delta gold personal card, the first year af was waived, but kicks in after a year.
Should I downgrade once the af posts, or catch it before - less than a year after opening the card?
Thanks

With Amex you always wait full 12 months. you then have 30 days to cancel or downgrade
Good idea to keep track when you opened each card.

[lcm]

With Amex you always wait full 12 months. you then have 30 days to cancel or downgrade
Good idea to keep track when you opened each card.

Thank you very much for the info

[ari3]

I am looking to cancel my Amex gold. If I close it do I lose the points that I earned since the last statement? (I have other cards that earn MR).

[avadah]

Why do CC companies ask in the application how much of your income is taxable?

[Yehudaa]

Why do CC companies ask in the application how much of your income is taxable?

Presumably so they can figure out how much you'll have left to pay them after tax, no?

[mimb]

Friend is looking for a 0% APR and 0% balance transfer new card offer? I think the Slate was discontinued, any other cards that offer this?

[Joel]

Friend is looking for a 0% APR and 0% balance transfer new card offer? I think the Slate was discontinued, any other cards that offer this?

Citi Diamond Preferred 18 Months
U.S. Bank Visa Platinum 20 Months
Citi Rewards + 15 Months

[hide4]

Citi Diamond Preferred 18 Months
U.S. Bank Visa Platinum 20 Months
Citi Rewards + 15 Months

Keep in mind, these all have 3% balance transfer fee

[Joe4007]

Does a CDW claim to my Chase Sapphire get affected if I close the card? In other words, do I need the card open for the claim to succeed?

[Yo ssi]

Does a CDW claim to my Chase Sapphire get affected if I close the card? In other words, do I need the card open for the claim to succeed?

A simple call should give you an answer