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Etuni posted:I still have it, going to cancel it next week after I finish transferring all my subscriptions and auto-payments, and pay myself back the last of my UR points. That feature has definitely been super helpful! Yeah, I like it a lot. I'd honestly recommend changing the CSP into a regular Freedom if you've already have signed up for the Freedom Unlimited; then you'd have more (rotating) 5% categories available (this quarter is still Amazon and Whole Foods). If you already had a Freedom, you could alternatively product change it into a no-annual-fee, 3% foreign transaction fee, "Sapphire" card with 2x dining. Another bonus of the product change is keeping all its credit history rather than having it drop off your report in several years. I'd be surprised if lenders didn't continue tightening up or tighten up even further, so I'd be reluctant to close something at this point. e: I also read more people were targeted for those bill payment bonuses, so make sure to check it out again if you weren't targeted before and didn't get a bill payments promo email already! https://www.chase.com/mybonus
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Aug 7, 2020 17:53
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Citi Double just added 5% bonus categories - I got an email with "click here to activate", so I don't know if it's for everyone or notquote:You already earn 2% cash back on purchases: 1% as you buy and 1% as you pay. Now for a limited time, enroll in this special offer and earn an additional 5% cash back, up to $25, on eligible purchasesą you make at: Good times
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Aug 7, 2020 19:43
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MorrisBae posted:Citi Double just added 5% bonus categories - I got an email with "click here to activate", so I don't know if it's for everyone or not targeted offer
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Aug 7, 2020 20:02
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I got a Chase Freedom Unlimited a few months back, am I able to get the 5% groceries bonus? If so, do I need to request it somehow or is it automatically applied? Also, bumping my post from the last page if anyone has any recommendations: literally this big posted:Hello goons, I'm looking for recommendations for cashback cards or current sign-up bonuses.
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Aug 11, 2020 08:11
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literally this big posted:I got a Chase Freedom Unlimited a few months back, am I able to get the 5% groceries bonus? If so, do I need to request it somehow or is it automatically applied? I used the secure message thing to ask them if I could get the 5% on groceries added to my card that I opened about a week before they started the promotion. They said the benefit would be added to my card after two weeks and they'd credit all my grocery purchases that took place during the promo period.
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Aug 11, 2020 09:09
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Just got a (targeted I assume) offer from Chase for my Amazon card. Fine print doesn't mention a dollar limit on rewards. So that's nice, will definitely be replacing my Citi Doublecash (fallback card) and Barclay's Uber* spend until next February. *3% on dining. Pending what happens with Uber this year, it may be dead and/or have unusable rewards anyway. Barclay's has "temporarily" stopped taking applications “in light of current market conditions.”
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Aug 11, 2020 21:36
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Uber was done when they killed off cash back this year and converted all your spend to Uber credits. I haven’t used the card since.
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Aug 11, 2020 23:14
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Oh yeah I agree, I cashed out right before the switch. At the time I kept it just for dining because I figured it was a decent-enough return that I'd eventually use, back when traveling was a thing and I used Uber a few times per year.
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Aug 11, 2020 23:29
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I cancelled the Uber card when they announced the change. I didn't really have any much use for Uber Bucks then, and certainly have little use for Uber Bucks now.
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Aug 11, 2020 23:39
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I keep it around for the phone insurance. I've used it a few times and it's worth it. I just pay my phone bill on it.
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Aug 12, 2020 13:57
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Not credit cards, but I did a little manufactured spending to hit minimum spends on various credit cards and I am sitting on gift cards for Delta, Southwest, AMC and Airbnb. All companies on the verge of bankruptcy in 2020. So, if they do go under, what do I do about recovering my gift card value? Obviously, I'm not flying anywhere or staying in an Airbnb anytime soon, and AMCs will stay closed here in SoCal for a long time. Am I screwed if they go under?
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Aug 14, 2020 05:15
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It depends on how the bankruptcy proceeds. This page describes some past outcomes but it hasn't been updated during the pandemic. It's possible, for example, that the company's operating name is purchased and continues in business but the gift cards stay in bankruptcy court. Delta and Southwest have online merch stores that I assume will take the cards. AMC seems to have one too, but I can't figure out how to get in. e: To be clear, a company will usually arrange to continue redeeming gift cards during the first phase of bankruptcy. You can search for the company here and look for something like an "order to maintain customer programs" to find out what the terms are. Gazpacho fucked around with this message at 21:02 on Aug 14, 2020 |
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Aug 14, 2020 06:39
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silence_kit posted:I cancelled the Uber card when they announced the change. I didn't really have any much use for Uber Bucks then, and certainly have little use for Uber Bucks now. Mine lives in our security box now with the other misfit cards.
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Aug 16, 2020 00:09
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Has anyone ever heard of site/service called Experian? Saw an ad for this the other day that talked about it being able to boost your credit score to be meet the requirements for credit cards you're not able to apply for. Since i'm basically trapped in the 'score too low-->only secured card' limbo, this sounds too good to be true, but i'm almost certain there's a catch to this all. Any thoughts on this?
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Aug 17, 2020 16:22
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Experian is one of the three major credit reporting agencies, along with Equifax and TransUnion. See if you can find that ad and post it here.
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Aug 17, 2020 16:28
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I have a free account with Experian so they send me credit monitoring reports. The "boost" feature they're advertising looks to be for the new/alternative Fico scoring method which takes into account on time bill payments for things like utilities. You need to grant them access to your bank account transactions for it to work. I haven't seen news about the "new" fico scoring method for a while but I think few if any credit card companies use it so the effect would probably be minimal. 
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Aug 17, 2020 16:57
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TITTIEKISSER69 posted:Experian is one of the three major credit reporting agencies, along with Equifax and TransUnion. See if you can find that ad and post it here. Managed to track it down: https://www.youtube.com/watch?v=2rGpotMRwbs
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Aug 17, 2020 16:59
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What THF13 said.
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Aug 17, 2020 17:13
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Funnily enough, I tried the Boost feature the other day on my account with Experian. I attached my bank account and it found my electric bill payments that are taken automatically and have never been missed. It lowered my score with them by 30+ points. Good feature, will use again!!1
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Aug 17, 2020 17:24
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Ah darn, well at least it was worth a shot!
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Aug 17, 2020 17:25
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Parrotine posted:Has anyone ever heard of site/service called Experian? The catch is that they really, really want access to your detailed spending data, and they think that "improving your credit score" is enough of a carrot that you'll hand over your bank account credentials. Of course, they'll also try to upsell you to the various consumer credit monitoring services they sell, too. The information they collect apparently feeds into FICO 8, 9, and recent VantageScore models - as long as that score is calculated with Experian data. I think it just treats utility bills as a revolving credit account up to two years old. I wouldn't do it, but I'm saying that as someone who already has a solid credit score. If you really need access to credit, it's possible that it's worth it.
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Aug 17, 2020 17:58
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My friend needs a balance transfer card to help pay down her credit amount. Is there a good one out right now? One of her cards has quite a lot, and my ex had some good luck paying it down that way
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Aug 17, 2020 18:03
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Cow Bell posted:I used the secure message thing to ask them if I could get the 5% on groceries added to my card that I opened about a week before they started the promotion. They said the benefit would be added to my card after two weeks and they'd credit all my grocery purchases that took place during the promo period. I sent them a secured message, and they said they applied the 5% bonus to my card as well. But is there any way I can actually see the bonus on my account in some way to confirm, or do I just have to take their word for it? I also applied for the US Bank Cash+ card. I'm loathe to gently caress around with having to activate certain categories on cards, but the straight 5% back on all utilities and regular bills seems too good to pass up (compared to the 1.5% I'm currently getting on them with my everyday card), and the category selection rules seem generous enough (categories must be selected every quarter, but can be selected up to 45 days in advance). I'm also considering the Affinity Cash Rewards Visa (5% on Amazon) and either the Fidelity Rewards or the SDFCU Premium Cashback+ for a flat 2% cashback on everything to round out my card portfolio. Also wondering if I should upgrade from a 4% gas card to a 5% gas card, as gas is such a regular and consistent purchase. If anyone has any recommendations on these cards, or recommendations for other ones, I'd love to hear it. Thanks.
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Aug 17, 2020 18:13
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literally this big posted:I'm also considering the Affinity Cash Rewards Visa (5% on Amazon) Why not just get the Amazon Prime Rewards Chase card? No Prime?
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Aug 17, 2020 18:22
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GreenBuckanneer posted:My friend needs a balance transfer card to help pay down her credit amount. If she has solid credit, the Citi Double Cash actually has some very good balance transfer offers. 0% for 18 months and a reasonable transfer fee. The catches: -She can't use it for any ordinary purchases until she has gotten rid of the transferred balance and get back into a grace period. It's a rewards card, so the interest isn't great, and carrying a transferred balance means she won't get grace period interest on purchases. - She absolutely has to have a clear plan and discipline to zero the balance within the 0% transfer interest window. Again, it's a rewards card, so the interest is brutal. It's very easy to dig a deeper hole with 0% balance transfers. There's a reason Citi is offering these deals: it's because they are betting their customers will fail at clearing their balances. She shouldn't take the other side of that bet unless she has good reasons to be certain she'll win.
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Aug 17, 2020 18:28
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madsushi posted:Why not just get the Amazon Prime Rewards Chase card? No Prime? Nope, no Prime membership. I don't really use Amazon enough to consider it worth it, but a flat 5% cashback on everything seems very nice, similar to the Target Red Card.
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Aug 17, 2020 19:23
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Does anyone know if BoA will let you product change into a rewards card? Turns out my wife has a vanilla card (and annual fee) with them that is her oldest line of credit. So moving to pretty much anything else would be a step up.
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Aug 17, 2020 19:42
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literally this big posted:I sent them a secured message, and they said they applied the 5% bonus to my card as well. But is there any way I can actually see the bonus on my account in some way to confirm, or do I just have to take their word for it? I'm honestly not sure. I figured it would apply after this month's statement processed, which hasn't happened for me yet. If it doesn't apply then I was going to make a fuss, but I think we're going on the honor system for now.
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Aug 17, 2020 21:58
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Apple Card now reports to Equifax. It raised my FICO score with them about 20 points.
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Aug 17, 2020 22:18
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GreenBuckanneer posted:My friend needs a balance transfer card to help pay down her credit amount. Covid really dried up most of the good 0%/$0 fee cards but First Tech Fed's Choice Rewards card still has the 12-month 0% offer and never has a fee. Also has a $10K minimum limit if approved, which is nice. Probably need to have a checking or savings account with them, but it's worth opening for the offer. Another option would be to call Discover if they have a card with them and ask if they have any retention offers available. They offered me a permanent APR reduction, 12 mo. 0% APR on purchases, or 12 mo. 0% APR on Balance Transfer with no fee when I asked a few years ago. I'll be calling Discover again in November after my First Tech period nears its end if there aren't any new offers popping up. Keep an eye on AMEX and BofA, they've had offers in the past.
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Aug 17, 2020 22:26
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literally this big posted:I''m also considering the Affinity Cash Rewards Visa (5% on Amazon) and either the Fidelity Rewards or the SDFCU Premium Cashback+ for a flat 2% cashback on everything to round out my card portfolio. Also wondering if I should upgrade from a 4% gas card to a 5% gas card, as gas is such a regular and consistent purchase. I like my SDFCU card, that said, it takes a couple of days for charges to post and you have to have a bank account with them, but it fits my needs and those things don't really bother me. It's my go-to, all-purpose cash back card.
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Aug 18, 2020 06:36
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Space Gopher posted:If she has solid credit, the Citi Double Cash actually has some very good balance transfer offers. 0% for 18 months and a reasonable transfer fee. Why do people recommend the citi card over the paypal one which is 2% w/o any oddball conditions?
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Aug 19, 2020 18:55
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Space Gopher posted:The catch is that they really, really want access to your detailed spending data, and they think that "improving your credit score" is enough of a carrot that you'll hand over your bank account credentials. Of course, they'll also try to upsell you to the various consumer credit monitoring services they sell, too. Experian is one of the three major bureaus. They are legit. It will raise _a_ score but not necessarily the score that lenders use
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Aug 19, 2020 18:56
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Malcolm XML posted:Why do people recommend the citi card over the paypal one which is 2% w/o any oddball conditions? In this specific situation: the double cash has a very good balance transfer offer, and the post was about balance transfers In general: there aren’t any “oddball conditions” on the double cash (unlike a credit card that forces you to redeem cash back into your PayPal account), and although Citi is a garbage bank with godawful IT and customer service, they’re still better than noted “we’re technically not a bank, and that account you have with us isn’t a checking or savings account, so you don’t get consumer protections, and that balance is ours now” company PayPal
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Aug 19, 2020 19:11
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Space Gopher posted:they’re still better than noted “we’re technically not a bank, and that account you have with us isn’t a checking or savings account, so you don’t get consumer protections, and that balance is ours now” company PayPal The 2% PayPal card is issued by Synchrony Bank. The Citi card used to have some nice perks to it that people touted quite a bit, like Price Protection. I think it used to have Cell Phone Protection, too. Now less so. Only benefit I see to the PayPal card is the lack of a redemption threshold, which if you're like me and don't use a 2% card that often, is nice to have. I've had the Double Cash for a while now and that small perk isn't enough for me to bother opening another 2% card, but if I didn't have one I'd probably go with the PayPal card today.
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Aug 19, 2020 19:43
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Citi slashed their benefits on the double cash so outside of the balance transfer stuff I can’t recommend it in good conscience. Discover finally seems to be embracing contactless cards; it only took a global pandemic to change their minds, I guess.
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Aug 19, 2020 20:18
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Hey, I'm about to buy an iPhone. I have the Amazon Prime Visa, seems like the best choice is buying Apple Gift Cards on Amazon, get the 5% cashback, and pay for the phone with the GCs. Just wanted to check there aren't any gotchas I'm missing before buying the GCs.
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Aug 20, 2020 15:05
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Amex has been sending me a bunch of emails encouraging me to start using my points We got the platinum last year with a starting bonus, was planning on using our points this year on an international trip, instead looks like we'll have to wait until next year, haven't used any yet. Seems like a tremendous waste to use them on Amazon purchases etc I'm wondering if everyone is just hanging on to their points with plans to redeem them in 2021 making their partners antsy
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Aug 20, 2020 16:22
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I'm burning down my UR point hoard as fast as I can against groceries through the Chase "pay yourself back" feature that lets you reimburse grocery purchases at the travel portal rate (1.5 cpp on the CSR). I hope to travel again once this all settles down, but odds are I'm not going to be racking up points with work travel expenses any time soon, and who knows what will happen with loyalty program transfers and reimbursements as the airlines and hotel chains struggle. In the mean time, I'll take the cash.
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Aug 20, 2020 16:45
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Ur Getting Fatter posted:Hey, I'm about to buy an iPhone. I don't know how the insurance is on that card, but one thing to be aware of is that if you buy entirely with gift cards, you will lose any credit card based purchased protections. If that matters to you. I once cracked the screen on a two month old iPhone and since it was within 90 days or whatever the window was, my card issuer paid for the repair.
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Aug 21, 2020 03:09
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