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abraham linksys posted:Oh, and also, with my BoA debit card, when I went to London last year, I pretty much had to sign for everything - it wouldn't work as a chip and pin card. Reckon this one will be the same? It didn't seem like much of an issue outside of a handful of things like ticket vending machines, but it was one of the reasons I was hoping to get a travel card. Pekinduck posted:AFAIK no U.S. credit cards, even travel cards, are chip+pin compatible yet. Its super lame. Plenty are. Barclaycard is probably one of the larger issuers that supports chip&PIN. There are even a few out there that are PIN-preferring, but falling back to PIN is just fine for travel.
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Mar 9, 2018 00:22
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astral posted:Plenty are. Barclaycard is probably one of the larger issuers that supports chip&PIN. There are even a few out there that are PIN-preferring, but falling back to PIN is just fine for travel. Whoa I guess i'm out of date, thanks for the info.
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Mar 9, 2018 00:27
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Hauki posted:Alright this is a dumb and hopefully simple question. Did you try capital one? They gave me a "Journey" card with a $500 credit limit when I was a college student with no loan history.
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Mar 9, 2018 06:53
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Edit: nevermind
Magic City Monday fucked around with this message at 10:00 on Mar 10, 2018 |
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Mar 9, 2018 16:54
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Pekinduck posted:Have you tried speaking with an actual person at your bank? If it was just their computer denying you they might happily approve you if you went in and talked to someone, especially if you have a 15 history with them. I did - I was told that they couldn’t do any approvals on site, and whatever I applied for would be sent off to their credit division or whatever. I’m kinda fed up with them for a variety of reasons and I’d switch banks and move my balance, but I’m in the middle of buying a house and don’t want to rock the boat any more than necessary right now. Shear Modulus posted:Did you try capital one? They gave me a "Journey" card with a $500 credit limit when I was a college student with no loan history. Not yet, mostly tried local(ish) banks and credit unions. Tried at Schwab too, since I’ve got checking & retirement accounts there as well. I’ve had at least half a dozen people tell me they got low limit cards like that with no problem as students, including the loan officers I’ve spoken to while applying in person at said banks so I’m not really going to count on that. I’m just baffled that this process has been this difficult as an adult with no debt, a reasonable and steady salary and a good chunk of cash savings. I’ve been at this since like, Christmas, applying for one at a time and then getting the rejection 2-3 weeks later.
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Mar 9, 2018 17:35
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Hauki posted:Not yet, mostly tried local(ish) banks and credit unions.  interest) that just auto pays itself and reports to the big 3.I was told after 6 months payments (April) I'd have a score and maybe get discover it, a card through my credit union if desperate, Costco credit card or start working my way up the goon churn list slowly.
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Mar 9, 2018 18:15
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Hauki posted:Not yet, mostly tried local(ish) banks and credit unions. Tried at Schwab too, since I’ve got checking & retirement accounts there as well. I’ve had at least half a dozen people tell me they got low limit cards like that with no problem as students, including the loan officers I’ve spoken to while applying in person at said banks so I’m not really going to count on that. Have you tried to get an overdraft line of credit at the bank you've been at for 15yrs? I ask because that was my first credit account (granted, my mom co-signed with me for it at age 18), and when I applied for a small loan a couple years later, I got it with no problem. Secondly... Have you pulled your credit report to make sure there's nothing fraudulent on there that's hanging you up?
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Mar 9, 2018 21:04
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lol Former Sallie Mae Barclay turned into Barclay Commence is already being changed to a different Barclays card.
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Mar 9, 2018 23:13
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angryrobots posted:Have you tried to get an overdraft line of credit at the bank you've been at for 15yrs? I ask because that was my first credit account (granted, my mom co-signed with me for it at age 18), and when I applied for a small loan a couple years later, I got it with no problem. Not explicitly - I’ve had checking and savings accounts with them for that duration that have always had overdraft protection which I gather is something different. Yes, it was pulled as part of my prequalification for the home loan. None of the three agencies had anything at all on their reports that I’m aware of.
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Mar 9, 2018 23:38
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VorpalBunny posted:One of my first cards jumping into the credit card game 2 years ago was the CSR, with something like a 30k limit. I've now had a handful of high-end cards like that with huge limits, and recently decided to start the Discover game so I got an it. I'm trying to maximize the first quarter, but my card started to get declined. It took me a few minutes to realize I must have reached my credit limit, I forgot it was a whopping 1k. I asked the customer service rep over the phone if there was any way of increasing it, and he said it took at least 3 billing cycles before they would increase it. So, now I am haunting my account and making sure I immediately pay off everything that posts to keep the credit limit available. My goal is to maximize the 10% back this first year, but I might fall short due to this little snafu. Discover is just really conservative with credit limits, although once you have a history with them they seem to be a bit better--my second Discover IT has double the limit as my first ome does.
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Mar 10, 2018 00:04
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Hauki posted:Yes, it was pulled as part of my prequalification for the home loan. None of the three agencies had anything at all on their reports that I’m aware of. I just saw the post about how you're in the middle of buying a home. DO NOT apply for any credit of any kind until the loan is finalized! Seriously, if you open a brand new line of credit, and your credit history is non-existent, your new home loan probably won't make it through underwriting. Your loan officer should have covered this with you - if they didn't then shame on them. Edit- after a few mortgage payments post, try again and you can probably get your pick of credit card. angryrobots fucked around with this message at 01:55 on Mar 10, 2018 |
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Mar 10, 2018 01:52
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AmEx question: I had been carrying a balance for years. On my last due date I paid in full, now the only balance is the interest from last month. Am I now in the grace period, or would I still get interest charges if I put some bills on there with a “pay in full” autopay? I know some companies do the grace period after the first full payment and some after the second. The sooner I put the bills on the CC the sooner I can freeze the card in a block of ice.
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Mar 10, 2018 04:39
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angryrobots posted:I just saw the post about how you're in the middle of buying a home. DO NOT apply for any credit of any kind until the loan is finalized! Seriously, if you open a brand new line of credit, and your credit history is non-existent, your new home loan probably won't make it through underwriting. We talked about it. He said it was fine under the specific circumstances. But yes, it did occur to me to just wait it out and use the mortgage itself to build a history.
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Mar 10, 2018 05:16
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22 Eargesplitten posted:AmEx question: I had been carrying a balance for years. On my last due date I paid in full, now the only balance is the interest from last month. Am I now in the grace period, or would I still get interest charges if I put some bills on there with a “pay in full” autopay? I know some companies do the grace period after the first full payment and some after the second. The sooner I put the bills on the CC the sooner I can freeze the card in a block of ice. I believe you need a full cycle after a full payment. I would pay off the interest if you can and then give it a statement cycle just to be careful.
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Mar 11, 2018 19:14
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Does spending by an authorized user count towards spend bonuses? If it does, can someone be an authorized user on that account if they already have one of those cards? I want my gf to sign up for the AMEX delta gold card. I'd get a 10k miles bonus, and if she spends $2000 in the first 90 days, she'll get 50k miles, and additional 10k miles if she spends another $1000 in the first 6 months of account opening. I suggested she get the card, but she has a very modest income and doesn't spend a lot. I half jokingly suggested I could use the card and pay, but part of me is wondering if she could get the card, add me as an authorized user on her account, and I could use that to get the spend bonus. Note: I will probably not do any of these things because while I am helping her get her financial house in order, I do not want to give her debt that she cannot afford to pay back in the very slim chance we have some kind of falling out, and I want to respect her choices to not get any more credit cards until her debt from before we began living together is paid off (should be by next month). I'm mostly just curious at this point if it would work if this offer comes up again in the future.
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Mar 15, 2018 15:10
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BAE OF PIGS posted:Does spending by an authorized user count towards spend bonuses? If it does, can someone be an authorized user on that account if they already have one of those cards? Yes to both. You'd be an AU on her account, which is different from your account, even though it's the same card.
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Mar 15, 2018 20:45
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Any expats have any tips when it comes to verifying your email address to CC companies? I use my sister’s apartment as home base but Chase for example won’t take bank or CC bills as proof.
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Mar 17, 2018 23:56
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Ur Getting Fatter posted:Any expats have any tips when it comes to verifying your email address to CC companies? When I applied for the Uber card, I forgot to put my Google Voice number and listed my parents' landline so I had to get them to call Barclays in order to get approved. But the two or three credit cards I've opened in my time abroad never gave me problems with address verification.
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Mar 18, 2018 11:33
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When does eligibility for the chase sapphire signup bonus renew? Is it two years from account opening or two years from receiving the bonus? I’m thinking about going from preferred to reserve soon.
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Mar 22, 2018 04:47
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Thanatus posted:When does eligibility for the chase sapphire signup bonus renew? Is it two years from account opening or two years from receiving the bonus? I’m thinking about going from preferred to reserve soon. From receiving the bonus.
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Mar 22, 2018 04:56
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Out of curiosity, what's the reason for you behind that upgrade? I've thought about it also, but I'm not sure I travel enough to justify the change and the increased annual fee.
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Mar 22, 2018 23:00
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Is Chase still doing 100k UR if you're referred to Chase Ink Preferred? If so, anyone have a referral?
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Mar 24, 2018 16:06
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ohgodwhat posted:Is Chase still doing 100k UR if you're referred to Chase Ink Preferred? If so, anyone have a referral? Here's a referral link for CIP: https://www.referyourchasecard.com/21/G7B3WM6QRW edit: I think the bonus is now 80k, but still pretty good IMO.
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Mar 24, 2018 19:09
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I've been approved for an Amazon Visa. Amazon helpfully added it to my account and lets me pay stuff for it before actually receiving the card but there's no way I'm using a card I can't actually make payments on. Chase tells me that I can use my application number to sign up for their website, but Amazon never gave me one. Is that something I can just call Customer Service and ask for? It's not the biggest deal but I actually do have to make a couple of big Amazon purchases this week.
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Apr 1, 2018 00:08
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Ur Getting Fatter posted:I've been approved for an Amazon Visa. There's literally no drama associated with this card - if it's on your Amazon account you'll be fine to use it to make purchases. It's not going to cause you any heartache, nobody is trying to scam you, it's one of the easiest, most user-friendly pieces of plastic (actually whatever alloy they make it from) I've ever used.
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Apr 1, 2018 18:55
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Hadn't used my old Discover card in a while - to lure me back, Discover upgraded my card to a Discover IT, along with the 1yr cashback bonus match offer! I already opened a Discover IT a few years ago and got the 1 year cashback match then. It's so awesome that Discover is encouraging me to churn this deal, lol.
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Apr 1, 2018 21:42
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EAT FASTER!!!!!! posted:There's literally no drama associated with this card - if it's on your Amazon account you'll be fine to use it to make purchases. I didn't want to overcomplicate my question but I'm going on a trip next week so if the card doesn't get here I don't want to be stuck with a CC bill I can't pay, which is was I was hoping to shortcut the Chase website signup. It's fine, I'll just use my regular card if the Amazon card doesn't make it by Tuesday or something like that. Thanks!
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Apr 2, 2018 00:08
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You would have nearly 2 months before you would need to pay the bill, about a month before you receive your first bill, and then a bit less than a month before that first bill is due. You'll be fine.
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Apr 2, 2018 01:00
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EAT FASTER!!!!!! posted:There's literally no drama associated with this card - if it's on your Amazon account you'll be fine to use it to make purchases. Yeah, after getting the physical card I just keep it in a drawer and use it for Prime and Uber where it's already saved.
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Apr 2, 2018 01:32
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So I have a question about state law. I'm renting a car tomorrow for a weekend trip and I don't actually own a car so I don't have insurance. I am using my American express, which has secondary coverage for rentals... And according to Amex customer service, secondary coverage becomes primary when you don't have primary. However, if I'm pulled over and asked for proof of insurance, what do I do? Does secondary(primary) coverage from my card count as meeting IL's insurance requirement?
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Apr 6, 2018 12:47
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First, I hope you don't get pulled over. Second, I believe that it does but "it's a rental" explains a lot of drama to whoever pulls you over. You can show them your drivers license and the rental agreement. Does your Amex actually carry coverage for liability and not just property? That would be unusual. it doesn't, but by law car rental places are required to carry liability on cars rented except in, like, 3 states.
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Apr 6, 2018 13:29
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I don't think so. I was planning to decline the property coverage (since my Amex blue cash covers that) but take the liability coverage.
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Apr 6, 2018 13:35
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Some CC insurance requires that you decline all the insurance the rental agency offers you. I'd check on that.
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Apr 6, 2018 13:40
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I know my Amex Everyday requires that I explicitly deny all coverage from the rental company. I also didn't find a good answer to your question, but luckily I wasn't stopped.
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Apr 6, 2018 14:44
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CaptainJuan posted:So I have a question about state law. I'm renting a car tomorrow for a weekend trip and I don't actually own a car so I don't have insurance. I am using my American express, which has secondary coverage for rentals... And according to Amex customer service, secondary coverage becomes primary when you don't have primary. However, if I'm pulled over and asked for proof of insurance, what do I do? Does secondary(primary) coverage from my card count as meeting IL's insurance requirement? Every rental car I've ever been in, in the US at least, has a form in the glovebox that says the rental car company is self insured with the relevant details to satisfy whatever somebody pulling you over would look for but IANAL.
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Apr 6, 2018 16:44
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Talked to Amex customer service, they say I should decline collision damage from the rental agency and take the liability coverage and I'll be good to go.
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Apr 6, 2018 16:58
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CaptainJuan posted:So I have a question about state law. I'm renting a car tomorrow for a weekend trip and I don't actually own a car so I don't have insurance. I am using my American express, which has secondary coverage for rentals... And according to Amex customer service, secondary coverage becomes primary when you don't have primary. However, if I'm pulled over and asked for proof of insurance, what do I do? Does secondary(primary) coverage from my card count as meeting IL's insurance requirement? A full copy of your cardholder agreement plus rental agreement would detail the coverage you have in a pretty precise manner.
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Apr 7, 2018 14:45
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Thoguh posted:Every rental car I've ever been in, in the US at least, has a form in the glovebox that says the rental car company is self insured with the relevant details to satisfy whatever somebody pulling you over would look for but IANAL. This is correct in my experience
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Apr 8, 2018 21:49
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I just bought an iPad with my Chase CSP card. Does this card automatically insure me with accidental protection etc through Chase, or should I still buy AppleCare?
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Apr 9, 2018 07:15
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Boris Galerkin posted:I just bought an iPad with my Chase CSP card. Does this card automatically insure me with accidental protection etc through Chase, or should I still buy AppleCare? I believe the Chase warranty only provides 90 days against damage. It doubles the regular-degular warranty, but does not include the extra protection that AppleCare does.
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Apr 9, 2018 13:56
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