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I have a new AMEX Delta credit card and tried to buy an airline ticket yesterday but Delta's website was throwing errors and the transaction was failing (not due to CC rejection, but because of errors on Delta's end - their customer support told me this directly). As a result of trying several times, I now have two large pre-authorizations on this AMEX. Together, they go over my credit limit and AMEX sent me an email advising me that I was indeed over the limit. I tried to purchase the ticket once more today and the AMEX finally rejected the purchase outright. I successfully purchased the flight, but had to use a different card. Critically, *ZERO* of the tickets are actually being purchased on the AMEX. After these pre-authorizations clear in a few days the balance on the AMEX will go back down to just a minimal amount. Does all of this negatively my credit or my relationship with AMEX? I am concerned that, since this card is only about a month old, this may be a bad look for a new customer. (FYI I will be paying off the CC in it's entirety right away. This is not some bullshit buying-beyond-my-means or debt rotation scheme.)
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Apr 22, 2019 18:30
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Chimp_On_Stilts posted:I have a new AMEX Delta credit card and tried to buy an airline ticket yesterday but Delta's website was throwing errors and the transaction was failing (not due to CC rejection, but because of errors on Delta's end - their customer support told me this directly). I'd call Amex, inform them of the Delta error, and see if they can remove one or more of the 'duplicate' auths. If it's for the exact same amount it's more likely they can help you.
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Apr 22, 2019 19:02
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astral posted:I'd call Amex, inform them of the Delta error, and see if they can remove one or more of the 'duplicate' auths. If it's for the exact same amount it's more likely they can help you. I do not mind waiting for the auths to clear on their own. I am not under pressure to keep the card immediately usable, I have few expenses in the near future. I am much more concerned about possibly impacting my credit or relationship with AMEX.
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Apr 22, 2019 19:47
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Shouldn't effect your credit, as while your credit report may reflect the highest reported balance on a tradeline, when a statement cuts, which is what is reported, it should only include charges that aren't "pending" in the way pre-auths are. As for your relationship with AMEX, doubtful, but I would call.
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Apr 22, 2019 21:17
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I have a CC with Chase. I've had it for about 6 years and have never missed a payment. I went online to make a payment, and noticed that my balance of ~$2K was now showing a negative balance. Apparently a few weeks ago, I received an Interest Charge Reversal and a Returned Payment Adjustment, both of which combined to total just over $2K. My credit score also went up 20 points as a result of this. The account is still active, and I was still able to make a couple of purchases after this happened but before realizing all of this. I'm pretty sure Chase hosed up, but I'm absolutely not using this card for anything until I figure this out. Part of me wants to call them up and be a responsible adult, but the other part wants to ride it out for a bit. Any thoughts?
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Apr 24, 2019 20:44
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Weird, BoA did something similar to me in the past month. I have a reversed interest charge of around $6 and a reversed ATM fee of around $21. I have never accumulated or been charged interest on this card, and the last time I used it at an ATM was over 2.5 years ago.
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Apr 24, 2019 21:48
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I'm thinking there's some other customer out there who was due an adjustment in their favor and didn't get it. If it were me I'd just call and request an investigation.
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Apr 25, 2019 05:45
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shyduck posted:I have a CC with Chase. I've had it for about 6 years and have never missed a payment. Unless you were actually owed over $2k: make the payment you were going to make. It's not a bank error in your favor; it's a bank error that will cause you more headaches than you want to deal with when they resolve it and suddenly you have a very late payment. Gazpacho posted:I'm thinking there's some other customer out there who was due an adjustment in their favor and didn't get it. If it were me I'd just call and request an investigation. Agreed.
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Apr 25, 2019 07:10
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astral posted:Jerk McJerkface maintains a referral spreadsheet; I'd recommend opening a amex general referral link in a new incognito window, navigating to the plat card from there, then close it and try again if it doesn't get an elevated offer for 75k. It can be random (determined on opening based on location, existing cookies, and voodoo) whether it gives you the 75k offer or not.
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Apr 25, 2019 10:53
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astral posted:Unless you were actually owed over $2k: make the payment you were going to make. It's not a bank error in your favor; it's a bank error that will cause you more headaches than you want to deal with when they resolve it and suddenly you have a very late payment.
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Apr 25, 2019 15:44
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Small White Dragon posted:Can/should we add other cards not listed? The first sheet is locked, if you tell me what cards to add I'll add blank references and pages for them. It only takes a second.
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Apr 25, 2019 16:29
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SiGmA_X posted:Chase won't let you pay a credit card that has a credit on it. Autopay solves the issue that arises once they fix it. I'd also call Chase immediately - the secure message folks won't be able to understand this one. There is more than one way to make a payment. Two alternative ways that come to mind are pushing from another bank or nostalgically sending in a check. I wonder if they'd accept a payment in-branch when there is a credit, for that matter.
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Apr 25, 2019 18:36
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Was debating about a CSR for a while. Pulled the trigger a few nights ago. Should be real interesting seeing how much use I'm going to get out of the perks/rewards.
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Apr 27, 2019 07:13
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Anyone know anything about European credit cards, specifically Spain? How is this card so good? What am I missing? If you can't get Google to translate it for you, it's 5% cash back on everything for the first year, then 3%. They have another that's 7% cash back at department stores... SurgicalOntologist fucked around with this message at 09:06 on Apr 27, 2019 |
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Apr 27, 2019 09:01
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It says 5% on all “compras aplazadas” which I understand to mean “paid in installments”. From the marketing it seems like it’s a card geared to people who want to stretch out big purchases on multiple payments. The card then gives you a fixed interest on the payments. If the cash back is only for purchases made on an installment plan, I doubt you come out ahead. If the 5% applies to any purchase, regardless of whether it’s paid in installment, then it seems like a good deal. I’d double check the actual agreement before signing.
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Apr 27, 2019 14:28
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Hmm, I understood that as "deferred purchases" which I thought was just describing the buy-now-pay-later aspect of using a credit card. You're probably right though, that would make more sense. Deals that good don't exist here. Anyways, I'll have to figure out how it really works.
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Apr 27, 2019 18:52
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Ur Getting Fatter posted:It says 5% on all “compras aplazadas” which I understand to mean “paid in installments”. that's not a credit card it's a layaway card
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Apr 28, 2019 01:07
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I have the Blue Cash Everyday Amex that I use just for groceries, and I'm thinking of upgrading to the Preferred. Is there an easy way to figure out how much I spent on groceries in the past year or how much I got in rewards, to easily figure out if I come out ahead after paying the $95 Annual fee? I poked around my AMEX account and couldn't find anything, but I do have it in Mint if that helps.
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May 2, 2019 01:45
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FISHMANPET posted:I have the Blue Cash Everyday Amex that I use just for groceries, and I'm thinking of upgrading to the Preferred. Is there an easy way to figure out how much I spent on groceries in the past year or how much I got in rewards, to easily figure out if I come out ahead after paying the $95 Annual fee? I poked around my AMEX account and couldn't find anything, but I do have it in Mint if that helps. Make it easier by calling in and seeing if there's an upgrade offer. Often there's a $250 for $2k spending bonus upgrade offer. Using the old statements/activity interface, click 'graph and filter your transactions' - you can filter by category, then click merchandise&supplies, then click groceries.
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May 2, 2019 03:18
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FISHMANPET posted:I have the Blue Cash Everyday Amex that I use just for groceries, and I'm thinking of upgrading to the Preferred. Is there an easy way to figure out how much I spent on groceries in the past year or how much I got in rewards, to easily figure out if I come out ahead after paying the $95 Annual fee? I poked around my AMEX account and couldn't find anything, but I do have it in Mint if that helps. The breakeven point between the cards as a grocery-only is $3,166.67/year, or $263.89/month.
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May 2, 2019 03:54
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Well that was easy, I spent over $5k on groceries in 2018, and the $250 for $2000 spend promo is active now, all I had to do was click a couple buttons and a new card is on its way. Thanks, I'd missed the "see previous version" to see the "old" interface that could easily track spending categories.
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May 2, 2019 04:35
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FISHMANPET posted:Well that was easy, I spent over $5k on groceries in 2018, and the $250 for $2000 spend promo is active now, all I had to do was click a couple buttons and a new card is on its way. Thanks, I'd missed the "see previous version" to see the "old" interface that could easily track spending categories. Nice; enjoy!
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May 2, 2019 05:00
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Coincidentally: quote:Starting May 9th, American Express will add two new reward categories to the Blue Cash Preferred card. source: https://www.marketwatch.com/story/a...uber-2019-05-02
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May 2, 2019 09:03
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Well that'll make it even easier to hit and exceed the breakeven point for me, along with it becoming my gas card as well.
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May 2, 2019 13:09
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An acquaintance from college is the VP of Lending at AmEx, so I get to see her quoted when all these cards come out with new changes.
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May 2, 2019 18:31
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astral posted:Coincidentally: This is phenomenal! I have had this card for ages, we spend a ton on groceries every year, and these added categories make cutting the cable cord that much more appealing. WOO!
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May 2, 2019 22:03
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Does that mean that an Amazon Prime sub is 6% CB? You can't buy the video on it's own right? I already have the Prime Visa, so I'm getting 5% as it is. Also a plug for: Jerk McJerkface posted:
Since it's on there, I just got a Chase Ref through it, so it's working. If anyone wants me to add new cards, let me know.
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May 2, 2019 22:15
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Jerk McJerkface posted:Does that mean that an Amazon Prime sub is 6% CB? You can't buy the video on it's own right? I already have the Prime Visa, so I'm getting 5% as it is. Not sure! I suppose it could be for the Prime Video Channels (e.g. HBO) if those code differently on cards or if they are just going by the amount charged.
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May 2, 2019 23:52
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EAT FASTER!!!!!! posted:An acquaintance from college is the VP of Lending at AmEx, so I get to see her quoted when all these cards come out with new changes. Was she hot?
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May 2, 2019 23:57
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Insane Totoro posted:Was she hot? https://www.nytimes.com/2012/07/08/fashion/weddings/elizabeth-wise-peter-bergman-weddings.html Not too shabby. Impressive she went from joining AmEx as a Manager in 2012 to being VP in 2019. Makes me question my career trajectory and progression greatly.
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May 3, 2019 01:37
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TraderStav posted:https://www.nytimes.com/2012/07/08/fashion/weddings/elizabeth-wise-peter-bergman-weddings.html A VP there averages 10 years of experience and makes on average $180,000. It's not like an EVP where you make real obscene bucks.
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May 3, 2019 22:29
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I want to make sure I'm not messing my math up here but if I get the Chase Freedom Unlimited and use a referral for the 3% back on the first year but plan to move those points to my Sapphire Reserve, that effectively makes this a 4.5% card (when redeemed for travel, which is what I do with UR points) for all purchases for a year, right? Up to $20k? If so, putting my rent on it would also make sense since there's a fee that comes out to 2.5% but this would be keep me above the fee for the year at least (in which case I'd go back to paying by eCheck or whatever). Planning a trip to Japan next year and trying to do it all with points if possible. If there are better ways to get to Japan than UR points, I'm all ears! I went to the winter Olympics last year using points accumulated from the Reserve only, so I'm hoping to go bigger/better for the summer Olympics. Chaotic Flame fucked around with this message at 16:18 on May 4, 2019 |
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May 4, 2019 16:06
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EAT FASTER!!!!!! posted:A VP there averages 10 years of experience and makes on average $180,000. It's not like an EVP where you make real obscene bucks. Ah, that's like a Manager at my company (Fortune 250 Utility) including bonus / annual stock grants. Director level base but need more than 10 years experience.
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May 4, 2019 18:09
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Just FYI if you have a Barclays card/account in the US and can't login, it's not just you. Seems to be having widespread issues.
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May 5, 2019 18:45
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Chaotic Flame posted:I want to make sure I'm not messing my math up here but if I get the Chase Freedom Unlimited and use a referral for the 3% back on the first year but plan to move those points to my Sapphire Reserve, that effectively makes this a 4.5% card (when redeemed for travel, which is what I do with UR points) for all purchases for a year, right? Up to $20k? If so, putting my rent on it would also make sense since there's a fee that comes out to 2.5% but this would be keep me above the fee for the year at least (in which case I'd go back to paying by eCheck or whatever). Yea you can freely transfer chase UR points across their cards like that. However, they increased the timing between when you can apply for the CSR. I think it's like 4 years between when you last had a sapphire card and when you can re-apply for one and get a sign up bonus. So keep that in mind if you are counting on that bonus. I might be wrong on the details, but a few months ago I looked into re-applying for the CSP after using/cancelling CSR the year it came out and was told I had to wait longer to get a bonus on signup.
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May 6, 2019 18:15
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All my insurance policies are due this month to the tune of $2350. Any specific insurance reward cards? I was hoping chase ink had a bonus a la cable/phone/internet but it seems like that's a no. If not I'll just use my CSR.
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May 7, 2019 17:23
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ManDingo posted:All my insurance policies are due this month to the tune of $2350. Any specific insurance reward cards? I was hoping chase ink had a bonus a la cable/phone/internet but it seems like that's a no. If not I'll just use my CSR. Get a better points return out of an unlimited, but that's all I got.
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May 7, 2019 18:22
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ManDingo posted:All my insurance policies are due this month to the tune of $2350. Any specific insurance reward cards? I was hoping chase ink had a bonus a la cable/phone/internet but it seems like that's a no. If not I'll just use my CSR. Chase just sent out some emails offering between 3x and 5x points on insurance (amongst a few other categories) on the CSP. It's targeted, so I'm not sure if you would get it if you were to apply now. But it could be worth a shot if you have a P2 who hasn't had the CSP yet.
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May 7, 2019 23:32
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Hi thread, sounds like Citi Double Cash is the best straight 2% card right now is that right? I have unexpected expenses that have come up (car repairs) and would like to maximize rewards, but there are no cards with a relevant category, so is Double Cash my best bet? Freedom Unlimited looks ok (I have a CSR) but it's annoying how 3% is the promo rate for a year then it goes down to 1.5%, so I'd rather have the straight 2%. Something Offal fucked around with this message at 16:59 on May 9, 2019 |
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May 9, 2019 16:54
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Something Offal posted:Hi thread, sounds like Citi Double Cash is the best straight 2% card right now is that right? I have unexpected expenses that have come up (car repairs) and would like to maximize rewards, but there are no cards with a relevant category, so is Double Cash my best bet? If you have a CSR, then the 1.5% from the Freedom Unlimited is more valuable since the redemption rate for UR is higher for CSR users. Just use the FU, transfer the UR points to the CSR and redeem. FU, Freedom and CSR is a potent combination of cards. Unless you want straight cashback, which would probably be the doublecash.
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May 9, 2019 17:30
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