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nickutz posted:This wasn't technically a "reward" but Citi's Price Rewind just saved me $125 on a TV I bought back in September. If you're buying high dollar items for the holidays and using your Citi card, don't forget to enroll the purchases in Price Rewind. How was your experience with the process? I've stuck with Amex because of their purchase protections, as well as Amex offers, but I have a double cash and AA card with citi. Just assumed the details of getting money from them was maddening.
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Nov 25, 2015 01:00
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Tewdrig posted:How was your experience with the process? I've stuck with Amex because of their purchase protections, as well as Amex offers, but I have a double cash and AA card with citi. Just assumed the details of getting money from them was maddening.
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Nov 25, 2015 01:12
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So far, my experience with citi has not been great. I applied for a card a month ago and I am still stuck in ID verification hell because they insist on doing everything by fax or snail mail. They asked my for a landline phone bill when I've never owned a wired telephone in my life. It sounds like different departments are run better, however.
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Nov 25, 2015 02:01
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Tewdrig posted:How was your experience with the process? I've stuck with Amex because of their purchase protections, as well as Amex offers, but I have a double cash and AA card with citi. Just assumed the details of getting money from them was maddening. It was easy, just register your purchase made on the card with their Price Rewind portal. Found the TV I bought by model number, then added the purchase date, location, and price. If they find a lower price within 60 days you're notified to apply for the refund and upload a copy of the receipt. You can get a check or statement credit once the approve the refund.
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Nov 25, 2015 05:10
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How do I confirm that my Chase Freedom gives me 10% at Amazon before I make my purchases cause I don't see the 10% offer anywhere, just the 5%.
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Nov 27, 2015 04:48
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Boris Galerkin posted:How do I confirm that my Chase Freedom gives me 10% at Amazon before I make my purchases cause I don't see the 10% offer anywhere, just the 5%. quote:During the promotional period of November 23 until December 31, 2015, earn an extra 5% cash back (for a total of 10%) on up to $1,500 in new combined purchases at Amazon.com, Zappos.com, Audible.com and Diapers.com. To earn this extra 5%, your current quarterly bonus maximum dollar amount for earning will reset on November 23, 2015 so you can earn a total of 10% on up to $1,500 on new combined purchases in the listed bonus categories. If you’ve already activated for this quarter, no additional activation is required. Otherwise, activate by December 14, 2015. As long as you’ve activated by December 14, 2015, qualifying bonus category purchases on up to $1,500 from October 1 – November 22, 2015 will earn 5%, and qualifying bonus category purchases on up to $1,500 from November 23 until December 31, 2015 will earn 10%. See FAQs for more information. The extra 5% will appear in the Rewards Summary section of your billing statement as “4Q Extra 5%” and may take up to 1-2 billing cycles to be awarded and reflected on your statement.
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Nov 27, 2015 05:37
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I just wanted to share my experience with Capitol One with you guys. In march of this year, I got a capitol one secured card with a 300 limit (paid 150) - I had been making only 18$ / hour at that time, and had a 2009 car repo at $5200, 3 unpaid judgements for $2500 from 2009, 8 collection accounts from 2007-2012 and 6 credit inquiries, no credit nothing. 410 FICA Score - I got the balance to $35 every month and paid it down to $5 when they sent me the reminder it was due. Did that till August , then paid another $100 to take my balance to $500. Paid off the lowest hanging creditors and let the ones about to fall off do so. As of 3 days ago doing this, I still had the 3 judgements (they are paid now but not showing as paid), still have the repo, and still have 4 collections, but $0 balance. (and 7k in debt from the repo and judgements) It took my Fica to 685 or so, just doing that. Talked to Capitol One about increasing the secured card and instead they gave me a Capitol One Quicksilver Visa Platinum with a $3000 limit , no fees and a guaranteed increase in a few months. I could not be happier with the way it has worked out with them and I can't recommend them enough for someone rebuilding credit. They offered to increase my secured card to $1000 also, but I decided to just cancel, the hit from it is trivial since I have had the card only 9 months. They haven't charged me any fee at all that I am aware of, maybe a few cents here and there. So yeah, rebuilding credit is totally doable if you are patient. I got my wife on my new card, who is in the process of Chapter 7 bankruptcy (50k in medical bills), so shes going to come out of that with 3k in credit to start repairing the dumpster fire that is her report. warcraft_boyfriend_99 fucked around with this message at 14:23 on Nov 30, 2015 |
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Nov 30, 2015 14:15
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xechostormx posted:I just wanted to share my experience with Capitol One with you guys. In march of this year, I got a capitol one secured card with a 300 limit (paid 150) - I had been making only 18$ / hour at that time, and had a 2009 car repo at $5200, 3 unpaid judgements for $2500 from 2009, 8 collection accounts from 2007-2012 and 6 credit inquiries, no credit nothing. 410 FICA Score - I got the balance to $35 every month and paid it down to $5 when they sent me the reminder it was due. Did that till August , then paid another $100 to take my balance to $500. Paid off the lowest hanging creditors and let the ones about to fall off do so. As of 3 days ago doing this, I still had the 3 judgements (they are paid now but not showing as paid), still have the repo, and still have 4 collections, but $0 balance. (and 7k in debt from the repo and judgements) It took my Fica to 685 or so, just doing that. Talked to Capitol One about increasing the secured card and instead they gave me a Capitol One Quicksilver Visa Platinum with a $3000 limit , no fees and a guaranteed increase in a few months. I could not be happier with the way it has worked out with them and I can't recommend them enough for someone rebuilding credit. They offered to increase my secured card to $1000 also, but I decided to just cancel, the hit from it is trivial since I have had the card only 9 months. They haven't charged me any fee at all that I am aware of, maybe a few cents here and there. Congrats, that's very impressive! Good for you for working your way out of that situation.
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Nov 30, 2015 14:51
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thanks! seriously I thought it was going to take years. I just threw like 100 bucks a month at it. I am still in shock, they sent me my confirmation letter today... It’s official! You’re a Capital One card customer. We’re happy to have you on board. Right now, we’re busy personalizing your new card and making sure it’s good to go. As soon as it’s in the mail, we’ll send you a quick heads up. Get ready for good things to come. YOUR CARD AT A GLANCE REWARDS Earn unlimited 1.5% cash back on every purchase, every day. Earn a $100 bonus when you spend $500 in the first 3 months. CREDIT LINE $3000 credit limit (including cash advance limit of $1500). ANNUAL PERCENTAGE RATE 0% intro APR on purchases and transfers until September 2016. 17.9% variable APR after that. Transfer fee of 3% of the amount of each transfer that posts to your account through your September 2016 billing period. MEMBERSHIP FEE $0. You’re Gonna Love What’s In Your Wallet® 9 lousy months? Anyone can do it if they try, theres no excuse  I thought I was the worst of the worst, I lost everything in 2009 and it took me 6 years to even get a decent job!
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Nov 30, 2015 15:04
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Weird experience just now with Citi credit cards. I called to cancel my American Airlines card since I have the Barclays product, they're essentially the same card, and the Barclays card is cheaper. Plus, I figure I can sign back up for the Citi card in 18 months or whatever and get the bonus again. Did the entire thing through the IVR system. No retention specialist or anything. Just, "Are you sure?", "Fine, done, do you want a confirmation text?" Seems odd that there wasn't any system to try and stop me from leaving. I guess someone ran the numbers and decided it wasn't worth it, but still, surprising. Also, I upped my credit limit on said Barclays card via their website, got a call about an hour later on the request from a human being, spoke with them for a minute, then was approved for some of what I asked for (I asked big, always ask big). BarclayCard has been surprisingly good to deal with. Their website, while garish, works really well, they actually support Chip&Pin, and a human has called me when necessary. FunOne fucked around with this message at 15:34 on Nov 30, 2015 |
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Nov 30, 2015 15:27
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Neither Citi nor Chase have ever bothered to make a retention offer for me when I cancel their products. Similar to what you said, I probably wasn't profitable enough to bother paying more to keep me around.
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Nov 30, 2015 16:19
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FunOne posted:Weird experience just now with Citi credit cards. I called to cancel my American Airlines card since I have the Barclays product, they're essentially the same card, and the Barclays card is cheaper. Plus, I figure I can sign back up for the Citi card in 18 months or whatever and get the bonus again. Unless they've recently fixed it, if you were upgraded to the platinum world elite citi AA card (I think everyone is automatically after about 2 months or so) you can reapply and get the bonus again. The system sees the world elite as a different product than the world card so you can effectively bypass the 18 month bonus waiting period. I did it successfully twice this year, others have done it 3 times already
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Nov 30, 2015 19:25
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In 2014, I had Chase offer me $200 in credit to cover my $95 fee on their United Mileage Plus card. I had spent $30,000 on the card in the 12-month period. That's the only offer I've received.
Blinkman987 fucked around with this message at 02:35 on Dec 1, 2015 |
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Nov 30, 2015 20:50
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Cacafuego posted:Unless they've recently fixed it, if you were upgraded to the platinum world elite citi AA card (I think everyone is automatically after about 2 months or so) you can reapply and get the bonus again. The system sees the world elite as a different product than the world card so you can effectively bypass the 18 month bonus waiting period. I did it successfully twice this year, others have done it 3 times already Did you get an email or some other confirmation that it was upgraded? I've heard of this, but since I cancelled and Citi completely hosed up my online account for another reason I'm not certain how to check.
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Nov 30, 2015 22:38
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Any tips/tricks on getting the 100k points offer for the Amex Platinum? I am sure I'd qualify and would like to jump on that (because I can get the annual fee waived as a military guy...)
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Nov 30, 2015 23:02
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asur posted:Did you get an email or some other confirmation that it was upgraded? I've heard of this, but since I cancelled and Citi completely hosed up my online account for another reason I'm not certain how to check. I thought they just sent me a new card with a chip, but it was actually the upgrade. Check the back of your card, above the mastercard logo, see if it says "world elite". Applied and got another citi aa card yesterday (like 6 months after first one). Now the challenge is actually using the points before the march devaluation. Apparently its impossible to get more than 1 seat in first on cathay pacific to asia (and no seats are available on AA international itself in first or business). Looking around its pretty drat hard to get 3 seats even in business flying nearly anywhere on anything AA partnered. Maybe its because everyone is booking everything up right now before the devaluation. I would just look to use them on short-haul flights after the program changes, but apparently the only airport in range of denver for those flights is Vegas. Which is already dirt cheap.
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Nov 30, 2015 23:12
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overdesigned posted:Any tips/tricks on getting the 100k points offer for the Amex Platinum? I am sure I'd qualify and would like to jump on that (because I can get the annual fee waived as a military guy...) It seems to be pretty heavily targeted these days; I lucked out and got it a month ago but the offer hasn't been public for a while. You could try clearing cookies/opening incognito browser Windows and hope to get lucky, but I haven't heard of anyone getting the 100k offer that way lately. Amex's offers also seem to scale based on whether or not you are an existing customer. Maybe try running their pre-approval tool a few times in an incognito window? I guess being rich would probably help? Make sure you haven't opted out of cc offers in general?
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Dec 1, 2015 23:42
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Is there a card that gives sign up cash back or other initial rewards points in the $1500 spend in the first X months range? I have an expense coming up in January that I'd like to get something back for. I've already done Chase Freedom and Quicksilver for their $150 intro bonuses. I probably won't get to the $4000 in 3 months for Sapphire, otherwise I'd do that. 0% intro APR would be nice too but not necessary.
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Dec 2, 2015 01:54
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Land Fish posted:Is there a card that gives sign up cash back or other initial rewards points in the $1500 spend in the first X months range? I have an expense coming up in January that I'd like to get something back for. I've already done Chase Freedom and Quicksilver for their $150 intro bonuses. I probably won't get to the $4000 in 3 months for Sapphire, otherwise I'd do that. 0% intro APR would be nice too but not necessary. Got an Amex Blue Cash Everyday just the other day as a replacement offer for Costcos card ending: spend 1000, get $200.
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Dec 2, 2015 02:31
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DeceasedHorse posted:I guess being rich would probably help? Make sure you haven't opted out of cc offers in general? Does this have any impact on getting good credit deals, or were you just saying this in a general sense?
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Dec 2, 2015 05:22
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Hadlock posted:Does this have any impact on getting good credit deals, or were you just saying this in a general sense? Generally not, but some folks have said that AmEx takes a look at holdings for some of their cards. They asked me about my investment & bank accounts when I applied (over the phone) for the Platinum.
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Dec 2, 2015 08:52
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Just signed up for the Chase Sapphire Preferred card. I added in my girlfriend as an authorized user. From my understanding if she makes one purchase, I receive 5,000 points. Is there a minimum amount she needs to spend?
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Dec 3, 2015 00:53
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No.
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Dec 3, 2015 01:48
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obi_ant posted:Just signed up for the Chase Sapphire Preferred card. I added in my girlfriend as an authorized user. From my understanding if she makes one purchase, I receive 5,000 points. Is there a minimum amount she needs to spend? You don't even really need her to make the purchase iirc. Mine was the same exact card number, security number, expiration date. Chase can't tell which card is used.
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Dec 3, 2015 02:16
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Blinkman987 posted:You don't even really need her to make the purchase iirc. Mine was the same exact card number, security number, expiration date. Chase can't tell which card is used. Cool. 55,000 points coming my way!
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Dec 3, 2015 07:42
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Coming up on my Barclaycard Arrival Plus annual fee date (was waived first year). I should probably just downgrade it to the no AF version right? And then just sign up for Chase Sapphire Preferred?
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Dec 3, 2015 21:41
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I have always used debit and never had a credit card. I want to build my credit in preparation for buying a home. I recently applied for Chase Freedom, Amex Blue Cash, and Capital One Quicksilver, and was denied for all of them. Amex says my score was 605. What should I do next?
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Dec 4, 2015 00:09
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lwoodio posted:I have always used debit and never had a credit card. I want to build my credit in preparation for buying a home. I recently applied for Chase Freedom, Amex Blue Cash, and Capital One Quicksilver, and was denied for all of them. Amex says my score was 605. What should I do next? Your bank may be a good place to start. Apply for a credit card there, preferably with no annual fee.
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Dec 4, 2015 00:14
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Elysium posted:Coming up on my Barclaycard Arrival Plus annual fee date (was waived first year). I should probably just downgrade it to the no AF version right? And then just sign up for Chase Sapphire Preferred? Call and ask for retention offers on it first, apparently people have been having success with getting statement credits instead of fee waivers, but that's probably related to how much spend you've put on the card. Either way, try that first. lwoodio posted:I have always used debit and never had a credit card. I want to build my credit in preparation for buying a home. I recently applied for Chase Freedom, Amex Blue Cash, and Capital One Quicksilver, and was denied for all of them. Amex says my score was 605. What should I do next? Well, the first step would be not to have applied for 3 credit cards with a 605 FICO. But, now that that is out of the way, it sounds like you may need to get a secured credit card and build up credit slowly. These offer you a credit line of a low amount (say $500) that you prepay and once you establish a good payment history, banks don't see you as that much of a risk. You can probably do it over 9 months to a year by spending responsibly on it. Do you know a family member with good credit that would trust your responsibility to make you an authorized user on one of their longstanding credit cards? If your low credit score is only a function of a lack of history, then it should come up relatively quick, but if it's due to unpaid debts or a bankruptcy or something, you may have more trouble. Good luck.
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Dec 4, 2015 00:20
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Cacafuego posted:Well, the first step would be not to have applied for 3 credit cards with a 605 FICO. But, now that that is out of the way, it sounds like you may need to get a secured credit card and build up credit slowly. These offer you a credit line of a low amount (say $500) that you prepay and once you establish a good payment history, banks don't see you as that much of a risk. You can probably do it over 9 months to a year by spending responsibly on it. Do you know a family member with good credit that would trust your responsibility to make you an authorized user on one of their longstanding credit cards? If your low credit score is only a function of a lack of history, then it should come up relatively quick, but if it's due to unpaid debts or a bankruptcy or something, you may have more trouble. Good luck. Mostly agree with this, I would try finding and calling reconsideration lines for the cards you already applied for to see if they can approve you before anything else though and I don't think having already applied for 3 credit cards matters. A secured card or being added as an authorized user are also good ways to start building credit, and definitely check your credit reports to see if there is anything that shouldn't be on there dragging your score down.
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Dec 4, 2015 20:39
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THF13 posted:Mostly agree with this, I would try finding and calling reconsideration lines for the cards you already applied for to see if they can approve you before anything else though and I don't think having already applied for 3 credit cards matters. Those denied apps are going to show as hard pulls on his credit and aren't going to help him any.
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Dec 4, 2015 21:27
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By calling the reconsideration lines there it at least a chance he could get something out of those hard pulls instead of the nothing he currently has.
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Dec 4, 2015 21:49
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Hard pulls are not a big deal. Their affect on your overall credit score is very small and temporary. When you have 8 or so you may start running into issues getting approved for credit cards regardless of your credit score, but before that they really don't matter much.
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Dec 4, 2015 22:59
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I'm working on building credit for the first time. At the moment I have zero credit history and a very low 300 dollar limit on a capital one unsecured no-rewards card with its first due date around the end of the month. I went on vacation and used the card an awful lot, maxing it then paying it the next few days from my bank account. Does that sort of behavior help me with Capital One in terms of getting a higher credit limit or upgrading cards? I'd eventually like to transition to the Capitol One Quicksilver Visa Platinum (ie no annual fee but actually rewards my purchases). Right now I have other purchases coming up and I'm trying to decide between early paying the capital one card (to free up credit line) and making purchases on it, or just using the debit card.
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Dec 6, 2015 00:51
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ShadowHawk posted:I'm working on building credit for the first time. At the moment I have zero credit history and a very low 300 dollar limit on a capital one unsecured no-rewards card with its first due date around the end of the month.
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Dec 8, 2015 06:53
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ShadowHawk posted:I'm working on building credit for the first time. At the moment I have zero credit history and a very low 300 dollar limit on a capital one unsecured no-rewards card with its first due date around the end of the month. SiGmA_X posted:You should call and say you have purchases to make totaling $X and you would like to use your CC but you can't because of the limits. I imagine they'll adjust. Yeah, this. If they're not willing to increase the limit (seems unlikely), I'd just put it on the debit card. You gain nothing by paying down the credit card early just to rack up the same value of charges again, so it's functionally the same thing I think.
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Dec 8, 2015 16:47
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I live in Canada. I bank with a credit union. I'm looking for a credit card with a reliable website that is easy to navigate and doesn't go down all the time (gently caress you, CUETS). Bonuses would be nice. I've been paying the bills on time so I have good credit. Any recommendations?
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Dec 10, 2015 09:43
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Canadian citizen, but soon to be American green card holder. I have good credit in Canada and nothing in the US. I was wondering what the fastest way to build credit in the US would be? I should be able to get an American CC when I move there since I guess they can transfer my Canadian card to an American one. Would it be better to get multiple US credit cards or should I just get one? I normally don't carry a balance and I pay off in full.
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Dec 13, 2015 04:25
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lol internet. posted:Canadian citizen, but soon to be American green card holder. I have good credit in Canada and nothing in the US. I've done the Canada to US route. I didn't have amazing credit in Canada (only one card, never missed a payment or anything though) but my bank (BoA, but I imagine any major bank can do the same, probably something to ask about) was able to somehow pull in my Canadian credit history and got me a much better offer. Went from the offer being a $500 fully secured card to a $4800 limit unsecured card, which I accepted. I only opened my other cards more recently since this looks more like it might be a long-term/permanent move instead of the temporary one I originally expected. As long as you have one Visa/MC you've got your needs met. Getting more cards should be done for rewards or to quickly build credit if you think you're going to be buying a house in a few years or something.
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Dec 13, 2015 04:42
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Desuwa posted:As long as you have one Visa/MC you've got your needs met. Getting more cards should be done for rewards or to quickly build credit if you think you're going to be buying a house in a few years or something. Yeah, essentially I plan on buying a house in 2-3 years time (hopefully the Canadian dollar is poo poo still so I can exchange my money. So get multiple credit cards it looks like for me... and maybe cancel all of them but one 6 months before the mortgage I guess? I am currently a secondary card holder on my wifes BoA CC but they didn't take my SSN since I don't have one so I'm not sure if that will even count. I am just trying to get a good credit so we can secure a decent mortgage during that time. I will probably churn once the mortgage is secured.
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Dec 13, 2015 16:55
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