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Do NOT swipe at your own, or a related business.

Amex
- Ramp up slowly to avoid a FR

Chase
- No MO deposits
- No payments made by third parties


Barclay
- Cycling CL
« Last edited by Yehuda25 on January 07, 2019, 11:28:35 PM »

Author Topic: The "Don't Dos" of Credit Cards  (Read 3576 times)

Offline tzifanya54

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Re: The "Don't Dos" of Credit Cards
« Reply #15 on: December 03, 2018, 10:17:42 AM »
No issues with Amex.
I got an FR from them on a card I was doing that on... but it may have been because I was getting very close to the limit before paying it...

Offline ChaimMoskowitz

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Re: The "Don't Dos" of Credit Cards
« Reply #16 on: December 03, 2018, 10:42:02 AM »
I got an FR from them on a card I was doing that on... but it may have been because I was getting very close to the limit before paying it...
Did you ramp up slowly? I have hundreds on data points on this one.
I just found a new supply of forks!

Online ual902

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Re: The "Don't Dos" of Credit Cards
« Reply #17 on: December 03, 2018, 02:48:12 PM »
Another Do and Don't: When needing to call the credit card company example chase, Amex, Citi, Capital one for fraud etc, always call from the phone number that is registered under the credit card, other wise there will be series of questions and sometimes they would even ask to fax or email  ID with a utility bill.

 Please post this on the Wiki.

Offline shulem92

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Re: The "Don't Dos" of Credit Cards
« Reply #18 on: December 04, 2018, 12:02:45 AM »
Another Do and Don't: When needing to call the credit card company example chase, Amex, Citi, Capital one for fraud etc, always call from the phone number that is registered under the credit card, other wise there will be series of questions and sometimes they would even ask to fax or email  ID with a utility bill.

 Please post this on the Wiki.
i always call with *67 and they confirm by sending a one time code to the phone number on file

Offline shulem92

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Re: The "Don't Dos" of Credit Cards
« Reply #19 on: December 04, 2018, 12:04:31 AM »
Chase - No MO deposits or third party payments.
Wiki added.
IME 3rd party ACH is just fine. its 3rd party checks which arent a good idea

Offline IGBES

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Re: The "Don't Dos" of Credit Cards
« Reply #20 on: December 04, 2018, 12:06:16 AM »
i always call with *67
For what reason?

Offline shulem92

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Re: The "Don't Dos" of Credit Cards
« Reply #21 on: December 04, 2018, 12:09:40 AM »
For what reason?
not always, sorry. whenever im calling for my wife :)

Online davidrotts63

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Re: The "Don't Dos" of Credit Cards
« Reply #22 on: December 04, 2018, 03:25:42 AM »
not always, sorry. whenever im calling for my wife :)
At this point all the banks are pretty sure my mother sounds like a man, and if a woman called they'd probably fraud it ;)
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Online ExGingi

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Re: The "Don't Dos" of Credit Cards
« Reply #23 on: December 04, 2018, 05:10:36 AM »
i always call with *67 and they confirm by sending a one time code to the phone number on file
*67 makes a difference for toll-free numbers?
I've been waiting over 5 years with bated breath for someone to say that!
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Offline ChaimMoskowitz

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Re: The "Don't Dos" of Credit Cards
« Reply #24 on: December 04, 2018, 06:29:08 AM »
*67 makes a difference for toll-free numbers?
Not unless something changed.
I just found a new supply of forks!

Online davidrotts63

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Re: The "Don't Dos" of Credit Cards
« Reply #25 on: December 04, 2018, 06:30:29 AM »
Not unless something changed.
Amex doesn't pull up my account when dialing *67
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline a good yeshiva bachur

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Re: The "Don't Dos" of Credit Cards
« Reply #26 on: December 04, 2018, 07:03:21 AM »
not always, sorry. whenever im calling for my wife :)
At this point all the banks are pretty sure my mother sounds like a man, and if a woman called they'd probably fraud it ;)

nowadays it does matter what you sound like....
Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat. Sun Tzu

Offline Eliyohu

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Re: The "Don't Dos" of Credit Cards
« Reply #27 on: December 04, 2018, 09:05:34 AM »
Did you ramp up slowly? I have hundreds on data points on this one.
Can you share some of the main ones?

Offline ChaimMoskowitz

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Re: The "Don't Dos" of Credit Cards
« Reply #28 on: December 04, 2018, 10:06:30 AM »
Can you share some of the main ones?
Cycling the CL is not an issue. If you can pass a FR you don't even need to ramp up.
I just found a new supply of forks!

Offline tzifanya54

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Re: The "Don't Dos" of Credit Cards
« Reply #29 on: December 04, 2018, 05:03:23 PM »
Did you ramp up slowly? I have hundreds on data points on this one.

I think so, but possibly not, it was quite a few years ago. From what I do recall though I let the balance sit for a bit with the full line maxed out before paying, that's likely what did me in.