Author Topic: Misc Credit Card Questions  (Read 1865282 times)

Offline dealtastic

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Re: Misc Credit Card Questions
« Reply #10620 on: August 27, 2022, 09:19:15 PM »
I maxed out the credit on my Chase Ink already buying the MC no fee GC. Is it a trigger for an audit/shut down if I make a payment in the middle of my cycle in order to get release some credit? I just paid my previous balance in full a few days ago. Thanks.
Chase can be iffy, but other issuers don't have any problems with it. Some even increase your available credit when overpaying.

Offline Agoldsc1

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Re: Misc Credit Card Questions
« Reply #10621 on: August 30, 2022, 11:08:37 AM »
Is it a red flag with Chase to use the Ink Business Cash only to purchase gift-cards, and then to mothball it for the year once the 25k limit has been reached? Obviously it's better to include some small charges throughout the year, but is that enough?

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Re: Misc Credit Card Questions
« Reply #10622 on: August 30, 2022, 11:32:45 AM »
Is it a red flag with Chase to use the Ink Business Cash only to purchase gift-cards, and then to mothball it for the year once the 25k limit has been reached? Obviously it's better to include some small charges throughout the year, but is that enough?

YMMV. Some people report doing this with no issue but others have been shutdown for primarily only putting bonus category spend on Chase credit cards.

Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #10623 on: August 30, 2022, 11:34:40 AM »
YMMV. Some people report doing this with no issue but others have been shutdown for primarily only putting bonus category spend on Chase credit cards.
Being shut down by Chase has been the best thing that ever happened to me.  :)
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Offline Agoldsc1

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Re: Misc Credit Card Questions
« Reply #10624 on: August 30, 2022, 11:39:23 AM »
YMMV. Some people report doing this with no issue but others have been shutdown for primarily only putting bonus category spend on Chase credit cards.

Thanks. Will try to put some real spend on them as well to be safe.

Offline Agoldsc1

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Re: Misc Credit Card Questions
« Reply #10625 on: August 30, 2022, 11:39:36 AM »
Being shut down by Chase has been the best thing that ever happened to me.  :)

How so?

Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #10626 on: August 30, 2022, 11:41:07 AM »
How so?
A can open a card, get the bonus and they close it for me without ever calling.  :)
Only on DDF does 24/6 mean 24/5/half/half

Offline Agoldsc1

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Re: Misc Credit Card Questions
« Reply #10627 on: August 30, 2022, 11:43:50 AM »
A can open a card, get the bonus and they close it for me without ever calling.  :)

They still approve you for cards once you've been shut down?

Offline CountValentine

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Re: Misc Credit Card Questions
« Reply #10628 on: August 30, 2022, 11:53:43 AM »
They still approve you for cards once you've been shut down?
Most of the times instant approvals. I LOVE Chase!!!
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Offline Agoldsc1

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Re: Misc Credit Card Questions
« Reply #10629 on: August 30, 2022, 11:55:25 AM »
Most of the times instant approvals. I LOVE Chase!!!

Wow, weird that they don't have a system to automatically prevent certain SSN from opening up a card. And then you have enough time to meet the spend, earn the points, and transfer them out before the system picks up on it? That's wild.

Offline Lurker

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Re: Misc Credit Card Questions
« Reply #10630 on: August 31, 2022, 02:14:18 AM »
Capital One seems to have combined my available credit across all cards. It's giving me one set spending limit on the card of my choosing based on the available credit of all my Cap1 cards combined. Anyone else seeing this? Is it a glitch or a new policy?
Failing at maintaining Lurker status.

Offline jfish227

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Re: Misc Credit Card Questions
« Reply #10631 on: August 31, 2022, 09:45:30 AM »
what is the best way still available to cash out a visa virtual account from giftcards.com? most of the ways i tried were declined

Offline jose34

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Re: Misc Credit Card Questions
« Reply #10632 on: September 06, 2022, 01:15:10 PM »
What is better Quadfecta  - with Citi's one or the Cards or Chase cards?

Online df123

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Re: Misc Credit Card Questions
« Reply #10633 on: September 11, 2022, 03:01:41 PM »
Anyone have experience downgrading their Capital One Venture card to the VentureOne card (w/ no annual fees) ?

Offline madhocker

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Re: Misc Credit Card Questions
« Reply #10634 on: September 13, 2022, 02:39:57 PM »
Can I move credit from my citi rewards+ to my citi double cash? Will this result in a hard pull?

Online HoKo

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Re: Misc Credit Card Questions
« Reply #10635 on: September 14, 2022, 03:28:59 PM »
Can I move credit from my citi rewards+ to my citi double cash? Will this result in a hard pull?

you cannot shift/reallocate credit limits across Citi credit cards

Offline confu

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Re: Misc Credit Card Questions
« Reply #10636 on: September 19, 2022, 03:56:31 PM »
I want to open a citibusiness card with my SSN as sole prop. It says the business name cannot be the same as authorised officer. is it a problem to make up a name for the business?

Offline jose34

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Re: Misc Credit Card Questions
« Reply #10637 on: September 20, 2022, 02:27:27 PM »
If I put my name on a business credit card application where they are asking for the business EIN number, does my credit score/ credit report get affected?

They are asking my own social security number and DOB.

Offline dealtastic

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Re: Misc Credit Card Questions
« Reply #10638 on: September 20, 2022, 06:16:30 PM »
If I put my name on a business credit card application where they are asking for the business EIN number, does my credit score/ credit report get affected?

They are asking my own social security number and DOB.
Yes, your personal file will get an inquiry, but the card itself will not show on your personal file.

Offline frum poster

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Re: Misc Credit Card Questions
« Reply #10639 on: September 20, 2022, 07:36:30 PM »
if you miss payments it will go onto your credit report