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ETB posted:Ugh, that doesn't sound good. I applied and got approved for the new Costco Visa but didn't do it while logged in. I hope they can figure out I am the same person. I think the trouble arose when I activated my card. When I received my card, I had the option to activate it either by calling in or visiting a website. In the past I have always called to activate. Never had a hitch with this, and then I created a new, separate profile online for the just-activated card account. This time, though, I activated my new card through the website. Upon activation, I was taken to a screen where I could either link the new account to an existing profile or create a new profile. I chose to link to an existing profile. That's what seems to have caused the mess on the back end. I strongly suspect that if I had just created a new user profile for the new account that I would not be in this mess. I've never had any issues with having separate profiles for each account in the past (except for the minor hassle of having to log in three separate times to check all the accounts), so I'd recommend just creating a separate online profile for your new Costco Visa once you receive it.
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Jun 22, 2016 06:38
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I've never had a problem linking citi accounts online. I always activate online and I have 4 current CCs with them. I don't want to defend them, but I've not had a problem in the past doing this. 
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Jun 22, 2016 11:44
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Yeah the way Citi's backend works is just poo poo. I haven't had a problem with linking accounts but I wouldn't be surprised if they hosed up something. They also randomly render my username/password useless so I have to reset it even though I use KeePass and I know I'm using the same thing I've been using to log in for the past 4 months.
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Jun 22, 2016 12:05
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I think the problem is when you combine their bank accounts with credit cards. I had a ton of problems when I did that but haven't had any when I keep the cards on a seperate account.
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Jun 22, 2016 14:11
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I just linked my new Costco card to my Citi online account with a DoubleCash card with no issues. I don't have a checking or savings account with them though.
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Jun 22, 2016 17:30
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I applied for a new Costco Citi Visa a couple days ago and found out I was denied today. This seems weird to me. My FICO is 780, and I've never been late on a payment. I have three other cards--a USAA one I never use (I keep it open to get an insurance discount), a Chase Visa with a $2800 0% APR transfer sitting on it, and a Sallie Mae MasterCard that I pay off every month. Only other debt is a $4800 left on my auto loan. My only thought was that I opened my Sallie Mae account about 9 months ago, and my USAA account may also look new because they just switched the account from MasterCard to Visa, which cancelled my old card and I was provided with a new one. So it may look like I have two new accounts in the last 9 months? Maybe they aren't comfortable with my current credit limits? Between my three cards I have a limit of $21K against a $50K/year salary. While I don't need the card, it would have been convenient since I try to do as much shopping at Costco as possible, and getting them gas rewards would have been nice.
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Jun 23, 2016 23:00
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il serpente cosmico posted:I applied for a new Costco Citi Visa a couple days ago and found out I was denied today. This seems weird to me. My FICO is 780, and I've never been late on a payment. I have three other cards--a USAA one I never use (I keep it open to get an insurance discount), a Chase Visa with a $2800 0% APR transfer sitting on it, and a Sallie Mae MasterCard that I pay off every month. Only other debt is a $4800 left on my auto loan. You can always call and ask why, although apparently they are swamped right now. I doubt the USAA would show as new.
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Jun 24, 2016 01:02
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Are the sign on bonuses for Chase Freedom Unlimited and Chase Freedom separate? I have a Freedom Unlimited, but not the classic Freedom.
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Jun 24, 2016 01:10
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il serpente cosmico posted:I applied for a new Costco Citi Visa a couple days ago and found out I was denied today. This seems weird to me. My FICO is 780, and I've never been late on a payment. I have three other cards--a USAA one I never use (I keep it open to get an insurance discount), a Chase Visa with a $2800 0% APR transfer sitting on it, and a Sallie Mae MasterCard that I pay off every month. Only other debt is a $4800 left on my auto loan. 2 new accounts in 9 months isn't unusual at all and shouldn't have prevented you from getting another card. I would search for and call Citi's recon line, they might be able to get you approved or at least tell you why you were denied. You might also want to check your credit reports from all 3 bureaus and see if there is something on one of them that you don't know about.
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Jun 24, 2016 01:14
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THF13 posted:2 new accounts in 9 months isn't unusual at all and shouldn't have prevented you from getting another card. I would search for and call Citi's recon line, they might be able to get you approved or at least tell you why you were denied. Yeah, this is correct. Call them and ask for reconsideration. That credit line is fine, you should have plenty of room. Mine is about 2x my salary.
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Jun 24, 2016 02:35
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Thanks for the advice, everyone. I'll wait for my official denial letter to arrive, and then give their line a call.
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Jun 24, 2016 18:37
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And just now I got an email telling me that I have been approved. Weird. I'm guessing something weird was going on with the system on their website yesterday.
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Jun 24, 2016 18:59
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Yeah probably. The Costco switchover has been a disaster. Apparently citi is inundated with complaint calls.
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Jun 24, 2016 21:58
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Doing some planning around how best to maximise my last tuition spend at the end of next month (final one for me, god willing), and work visa payment at the end of the year. I cancelled my AAdvantage Platinum in late January of last year. Unfortunately the 18 month cooldown on it is basically right when Semester 2 tuition is due, I don't think the university will give me an extension to wait for the application to go through, then get the card. Plan is now to wait until I need to make my visa payment ($4k spend) in December to do that. AAdvantage Platinum is usually $1k spend for 30,000 miles, I figured I'd also couple it with the AMEX Starwood (my only chance to use them as my uni doesn't take them, but the government's payment processor does) which is a $3k spend. Neatly adds up to the $4,000 for the visa, and would give me those 25k points I could transfer to the airline program of choice, probably AAdvantage. Looking at it that way, 55k miles on $4k spend isn't bad, I was actually considering doing the Admiral's Club AAdvantage card earlier ($450 fee and I'd probably not use any of the amenities) which is 60,000 miles on $5k spend. For the present: I was just instantly approved for the 50k United Explorer through Chase today, which put me at the 5 cards/24 months limit they have. I got the Sapphire Preferred through them earlier this year and had to call in to recon, pleasantly surprised at that. The 50k bonus ends on the 30th of this month if anyone else was thinking about it. I still have a bit north of $3k left on my tuition bill that I could use to hit a minimum spend, but I'm pretty much SOL on the good airline cards as I don't do any domestic flying in the US, the uni only takes Visa/MC, and I'm waiting on cooldowns for AAdvantage and BA (not to mention the United card I just got). Not sure it's worth the hard pull to do one of those "40,000 miles" (actually only $400 of travel credit) cards like the Barclay Arrival Plus or CapitalOne Venture, OTOH... free money? I do need to make a trip to Melbourne later this year, so that could cover hotel and car rental, if not airfare. Would either the AMEX or the AAdvantage card look askance at two other applications within a short time of each other 5 months prior? Also, anyone have tips on using Avios for international trips? I'm sitting on like 80,000 of them over here in Australia and have heard they're good for spending on Qantas for domestic hauls, at least. Pompous Rhombus fucked around with this message at 05:13 on Jun 25, 2016 |
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Jun 25, 2016 03:01
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Cacafuego posted:Yeah probably. The Costco switchover has been a disaster. Apparently citi is inundated with complaint calls. Counter post: my switch over was seamless. Got the card a week or two prior, activated it, on Monday went in and added it to my online account; my account has checking as well as a couple credit cards.
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Jun 25, 2016 03:19
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The Electronaut posted:Counter post: my switch over was seamless. Got the card a week or two prior, activated it, on Monday went in and added it to my online account; my account has checking as well as a couple credit cards. Counter-counterpoint, record level complaints.
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Jun 25, 2016 03:21
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Pompous Rhombus posted:Doing some planning around how best to maximise my last tuition spend at the end of next month (final one for me, god willing), and work visa payment at the end of the year. There's always the citi aadvantage gold. It's usually 25k mi for $750 in 3mo I think. I thought I read recently that it was targeted up to 50k, but I could be mistaken.
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Jun 25, 2016 14:29
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Cacafuego posted:There's always the citi aadvantage gold. It's usually 25k mi for $750 in 3mo I think. I thought I read recently that it was targeted up to 50k, but I could be mistaken. Nah you're correct. No idea what the targeting criteria are though.
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Jun 25, 2016 17:45
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Holy poo poo citi's customer service is bad. I guess I've been spoiled dealing mostly with amex. gently caress ever doing anything except minspend through them.
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Jun 25, 2016 20:13
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Bank of America has made the fatal mistake of doing team cards again. $200 cash back for $500 spend. https://consumer.bankofamerica.com/USCCapp/Ctl/entry?sc=VACOZP#b Supposedly they're a little picky with people who aren't BOA customers already, but I signed up for 5 cards no problem. Also 0% interest rate on purchases/balance transfers done in the first 60 days.
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Jun 25, 2016 21:09
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Harry posted:Bank of America has made the fatal mistake of doing team cards again. $200 cash back for $500 spend. Wait, you can get the sign on bonus for multiple cards? You sure? I can't see anything in the rules that says that.
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Jun 25, 2016 21:29
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Cacafuego posted:There's always the citi aadvantage gold. It's usually 25k mi for $750 in 3mo I think. I thought I read recently that it was targeted up to 50k, but I could be mistaken. Oh, that one has slipped completely beneath my radar! Unfortunately, reading the fine print there's a 3% charge for foreign transaction fees (I pay my tuition to a foreign university), so I'd eat $22.50 on that $750 minimum spend. That's be totally worth it though; 25,000 miles is a OW to Southeast Asia. So getting the Gold now wouldn't hurt me in a few months when I go to apply for the Platinum, when its 18 month cooldown wears off?
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Jun 25, 2016 22:36
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Pompous Rhombus posted:So getting the Gold now wouldn't hurt me in a few months when I go to apply for the Platinum, when its 18 month cooldown wears off? I don't think it would. I signed up for 2 platinum AAdvantage cards and got 50k each (world elite loophole which I think is dead now) and an AAdvantage gold (25k) all within the last 12 months. You should be fine.
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Jun 26, 2016 02:47
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Leon Trotsky 2012 posted:Wait, you can get the sign on bonus for multiple cards? You sure? I can't see anything in the rules that says that. They're considered separate cards, so each gets a bonus. Reddit hit it pretty hard last time around and they all got the multiple bonuses. Same thing happened with Barclays NFL card a few years ago.
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Jun 26, 2016 17:07
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Harry posted:They're considered separate cards, so each gets a bonus. Reddit hit it pretty hard last time around and they all got the multiple bonuses. Same thing happened with Barclays NFL card a few years ago. Wow, nice. I have one of the cards from months ago and applied for a new one. It said they couldn't tell me my status right now and would let me know in 25-30 days. Does that usually mean that you are not getting accepted? Last time it approved me right away.
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Jun 26, 2016 17:10
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Leon Trotsky 2012 posted:Wow, nice. I have one of the cards from months ago and applied for a new one. It said they couldn't tell me my status right now and would let me know in 25-30 days. Not sure, this is the first BOA card I've ever apped for and got instant approvals. I would say if you don't get an email in a day or two saying approved, you probably will be rejected.
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Jun 26, 2016 17:14
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Ally launched a new card, judging by the email I just got.
quote:If you redeem your cash rewards into an eligible Ally Bank account (an eligible account is an Ally Bank non-IRA Online Savings, Interest Checking or Money Market Account you will earn an additional 10% rewards bonus. You must have an eligible Ally Bank account, which is open and in good standing, to be eligible for the 10% rewards bonus. As an example: $10,000 spent in purchases x 2% = a cash back reward of $200, plus the 10% bonus reward equals a cash back reward total of $220 into your eligible Ally Bank account.
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Jun 28, 2016 21:21
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I found out that ALDI now takes credit card payments, so I ran over there yesterday to grab a few things with a rewards card Despite having EMV readers for the past 5 years, they're still not activated  I had my debit card skimmed at an ALDI a few years ago, so I guess they still haven't learned
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Jun 30, 2016 16:16
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What is the best thing to do with cards that have slashed their rewards programs? I just stick them in a drawer.
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Jul 4, 2016 20:10
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This is not the thread I meant to post in.
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Jul 5, 2016 23:50
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The Electronaut posted:Sort of related: Trip report (so far): Chase Sapphire Preferred - Submitted two damaged purchases on one claim, approximately $475 across the two purchases (the max for CSP's benefit is $500 on a claim), and they cut me a check in under 12 hours. Pretty easy process, can upload everything to a website. Citibank AA Plat Select and Prestige - sweet christ, what a pain this has been, still not resolved.
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Jul 6, 2016 02:05
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The Electronaut posted:Sort of related: Amex Blue Cash Preferred - submitted a claim.... eight months ago? Disappeared into a black hole and I never heard from them again, I ended up berating the vendor into refunding me.
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Jul 6, 2016 15:40
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Discover deposited yearlong doubled cashback today, $400+ dollars! Thinking about applying for a second Discover It card to do it all over again, or if I should wait a few months to be eligible to apply for a Chase Sapphire Preferred and their 5/24 rule.
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Jul 7, 2016 19:21
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THF13 posted:Discover deposited yearlong doubled cashback today, $400+ dollars! Nice. I'll be up for mine at the end of August, I think. I absolutely milked the Apple Pay promo last fall and have already redeemed ~$900 in cash back, so I'm thinking I'll have a pretty nice surprise waiting for me one morning in the next few months... I'd probably wait for the CSP. That bonus is easily worth $450, whereas you'll need to work to get that from Discover. The calculus might change if Discover showed signs of getting rid of the double cashback promo, but that doesn't seem to be the case right now and it's not a hard card to get. CSP would be my priority.
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Jul 8, 2016 06:48
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Mad Wack posted:Amex Blue Cash Preferred - submitted a claim.... eight months ago? Disappeared into a black hole and I never heard from them again, I ended up berating the vendor into refunding me. I've had a handful of extended warranty claims with Amex and they were usually resolved pretty painlessly. Edit: this came off kind of dickish. Was more of a "I don't know" *shrug* I think they make the thing painful so they don't have to pay out. The Electronaut fucked around with this message at 14:17 on Jul 8, 2016 |
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Jul 8, 2016 14:09
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I've always heard the rule that rather than cancelling credit cards you don't use anymore, you should keep them open and just cut up the card. Is there a limit to that where it starts to hurt you to have too many cards open? I got married a couple years ago, and paid for most of the wedding on credit cards. Even though I had enough cash to pay for about half of it at the time, I put it all on cards to get the various cash back rewards. Thanks to a few generous 18-month 0%APR promotions and a couple balance transfers, I was able to do this and pay almost no interest on the whole thing. So now the cards are all paid off, but I'm wondering if I should keep them all open or not. In total I have 5 credit cards open, plus I just signed up for (and was approved for) the Costco Visa card, so 6 cards total. The only card I have that charges an annual fee is my Amex Blue Cash Preferred card, so annual fees aren't a problem. FAKE EDIT: That brings me to another question - since I'm now planning on doing more grocery shopping at Costco, I was thinking about changing my Amex Blue Cash Preferred card to the Blue Cash Everyday card to get rid of that annual fee. Will Amex let me just change this card over, or do I have to cancel the Preferred card and re-apply for the Everyday card? My annual membership fee renews in January so I probably wouldn't do it until then anyway.
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Jul 10, 2016 22:50
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OldSenileGuy posted:I've always heard the rule that rather than cancelling credit cards you don't use anymore, you should keep them open and just cut up the card. Generally, don't close cards just to close cards because this lowers your total available credit, and utilization is a big part of your score. That being said, unless you have some reason to min/max your credit score (buying a house in the next 6 months), just manage your poo poo and the score will sort itself out. Personally, I don't have cards I don't use unless they have some secondary purpose. Close the ones you don't use and call the ones you do to have your credit limit raised to make up for it. Did I lose 10 points when I closed my Citi card and couldn't get the credit limit completely covered? Yeah, for about 3 months. Turns out, never having a late payment and using my cards regularly makes me a pretty good guy to loan money to. The secret to a >800 credit score? Have money, spend money, use debt, pay it off. EDIT: Closing cards can also affect average account age, so again, if you're buying a house/car soon then be wary, but again, it will sort itself out.
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Jul 10, 2016 23:06
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I"ve kept all of mine open. I mostly use 2 cards, but I'll put something on the others to keep the accounts open/active. Off the top of my head, I have 7. But it makes my total available credit huge. So that really helped out my score when I had to shop for mortgages.
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Jul 11, 2016 00:22
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Thanks for the advice! Definitely going to leave them all open then, as I'll probably be doing some house hunting of my own sometime next year unless I keep reading the Home Ownership thread and get scared away.
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Jul 11, 2016 21:24
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The Electronaut posted:Trip report (so far): Citibank: finally done. Almost a 5 figure claim, provided all the documentation, had to go back and forth a couple times to clarify a couple things, and then today, notification my claim has been confirmed and will be paid out as a statement credit.
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Jul 12, 2016 03:10
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