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The weirdest part is how this happens after they're discussing specific transactions. Did they not perform verification before that? 
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Dec 19, 2021 00:02
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ScooterMcTiny posted:That’s what I was going to say. You were messaging them via apple business chat which is their secure support line in iMessage. No way for that to be phished or impersonated. i mean the news lately was the NSO group being able to exfiltrate data from your phone just by sending you an imessage, which pretended to be an animated gif but was actually a specially crafted PDF that exploited old PDF code to generate it's own virtual operating system inside the iphone so it could read, manipulate and transmit your private data.. so i wouldn't say, "no way" but more like, "are you important enough for them to use resources to create something like that?" but uhh yea i think i'd go with, it's probably legit.
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Dec 19, 2021 00:24
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Shroomie posted:Inquiries affect your FICO for 12 months but they're usually negligible long before then. How much it lowered your average age of accounts could be of some concern, but that's going to depend on the rest of your credit profile. my usage rate on my most often used card is about 16% according to my previous month's balance divided by the credit limit on the card. I have another card that is basically getting 1% usage. they're both on chase, and i believe chase will let me move my credit limits around and so i'm planning on moving more credit to this more often used card to lower the usage rate. if i do this now to get my usage rate to <10%, would that be sufficient time you think? i'm planning on getting the new 2% card in a couple of days so it'd be at least 5 whole months since my last credit card.
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Dec 19, 2021 00:32
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I've always heard usage was averaged out, so it shouldn't matter (I usually carry 15-20% on one card and ~1% on 8 other cards). Would love to know if I was wrong.
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Dec 19, 2021 00:46
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Having a single high utilization card will ding your score regardless if your average is low. I churn 0% APR promos to keep a balance and pay the minimum until the promo expires and rinse repeat. So I have 1 or 2 cards at 80 - 90% constantly. And this definitely lowers my score.* *Just to head off the, "then why do it?": Because if you don't use your credit score, why do you even care what it is? I still get accepted for the cards I apply for, so vOv.
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Dec 19, 2021 01:16
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Strong Sauce posted:i mean the news lately was the NSO group being able to exfiltrate data from your phone just by sending you an imessage, which pretended to be an animated gif but was actually a specially crafted PDF that exploited old PDF code to generate it's own virtual operating system inside the iphone so it could read, manipulate and transmit your private data.. so i wouldn't say, "no way" but more like, "are you important enough for them to use resources to create something like that?" I have gotten iMessage spam and I legit worry about stuff like this.
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Dec 19, 2021 02:21
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Small White Dragon posted:I have gotten iMessage spam and I legit worry about stuff like this. iMessage spam is different than verified Apple Business Chat messages. https://www.apple.com/ios/business-chat/
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Dec 20, 2021 15:50
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It’s so weird that my CSR fee is charged on Jan 1 but the $300 Travel Credit resets apparently on Dec 11th or so. If I didn’t renew, I assume they would claw that back but why not just make the travel credit use a calendar year?
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Dec 20, 2021 19:36
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smackfu posted:It’s so weird that my CSR fee is charged on Jan 1 but the $300 Travel Credit resets apparently on Dec 11th or so. If I didn’t renew, I assume they would claw that back but why not just make the travel credit use a calendar year? This was originally the way it was, but I think people were signing up and using the credit two or three times before cancelling, on one AF.
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Dec 20, 2021 22:20
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smackfu posted:It’s so weird that my CSR fee is charged on Jan 1 but the $300 Travel Credit resets apparently on Dec 11th or so. If I didn’t renew, I assume they would claw that back but why not just make the travel credit use a calendar year? Product change to something else, then back to the CSR. Or product change some other card to a CSR. It'll become cardmember year instead of 'almost calendar year except it ends with your December statement date' or whatever it was.
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Dec 20, 2021 23:34
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Ah, that makes more sense that I’m on some grandfathered thing that they can’t change because it would either help or hurt existing members.
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Dec 20, 2021 23:55
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Hey goons, i am going to make a big 5k purchases soon, is there any good credit card deals out there that i can exploit for this big purchase?
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Dec 21, 2021 16:49
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What kind of purchase?
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Dec 21, 2021 17:03
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Medullah posted:What kind of purchase? Electric motor and transmission.
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Dec 21, 2021 17:13
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wargames posted:Hey goons, i am going to make a big 5k purchases soon, is there any good credit card deals out there that i can exploit for this big purchase? Citi Premier has an 80K point sign up bonus. Amex Gold and Platinum have 75K and 125K respectively if you apply through Resy. Amex points are geared more towards travelers, whereas you should be able to redeem the Citi points for $800 in cold hard cash.
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Dec 21, 2021 18:48
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wargames posted:Electric motor and transmission. You buying an EV piecemeal?
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Dec 21, 2021 19:10
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Shroomie posted:Citi Premier has an 80K point sign up bonus. Going for citi then, thanks. Cacafuego posted:You buying an EV piecemeal? Replacing a marine diesel in a sailboat, because that is the cheaper option.
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Dec 21, 2021 19:20
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wargames posted:Going for citi then, thanks. Ahh cool, I didn’t know that was an option for boats!
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Dec 21, 2021 19:28
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Cacafuego posted:Ahh cool, I didn’t know that was an option for boats! for slower boats yep.
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Dec 21, 2021 20:11
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Anyone have any opinions on the Peloton app subscription, since apparently there is a $120 credit included with the CSR? The app is $13 a month so not quite free but $36 a year isn’t bad if it’s good. (This is different from the bike subscription, apparently.)
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Dec 23, 2021 14:49
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Are there any particularly good 0% for x months balance transfers going on atm?
Rakeris fucked around with this message at 15:28 on Jan 6, 2022 |
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Jan 6, 2022 13:57
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Rakeris posted:Are there any particularly good 0% for x months going on atm? I usually suggest this card because balance transfers and cash advances are ALWAYS fee-free and there has been a 12mo 0% intro offer ever since I became aware of it and signed up myself. They sent me a retention offer of 12-mo @ 2.99% fixed a few years in and I took it because that's cheaper than the fee alone from most 0% offers I was looking at and was willing to pay it without needing to open a new card. The 10K minimum limit is also nice. First Tech is a solid CU, too. Been with them for over 20 years as my primary. That said, I haven't looked around so others may have better suggestions. DCU also has a yearly 6-mo 0%/$0 offer that they give out on their card each January, I think it's limited to existing card holders, though, so you might be too late for this cycle. EDIT: I'm dumb and just realized you're not specifically talking about balance transfers. Chase has 15-mo. + $200 on Freedom Unlimited/Flex atm. Girbot fucked around with this message at 14:23 on Jan 6, 2022 |
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Jan 6, 2022 14:18
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I actually meant balance transfers (edited for clarity), so that helps, thanks!
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Jan 6, 2022 15:29
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Are you going with beta marine to repower
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Jan 11, 2022 18:17
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Does the Amazon prime visa 2% back from restaurants include Seamless?
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Jan 16, 2022 06:28
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Snowy posted:Does the Amazon prime visa 2% back from restaurants include Seamless? Depends on how it's coded. Seamless is a promo for Amex Gold so I've never used a Chase card with it, so I don't have any data points for you.
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Jan 16, 2022 17:21
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Seamless codes as a restaurant on my Chase Sapphire Reserve.
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Jan 16, 2022 23:06
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Citi's Double Cash is changing a bit on March 28 (earning ThankYou points instead of dollars, removing the $25 minimum): https://online.citi.com/US/JRS/portal/template.do?ID=double-cash At least you can easily redeem ThankYou points for a penny each these days, or transfer them to potentially get more value than that.
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Jan 20, 2022 00:32
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astral posted:Citi's Double Cash is changing a bit on March 28 (earning ThankYou points instead of dollars, removing the $25 minimum): Seems like an overall positive change due to removing the minimum, hopefully they don't screw with the cash value of those points down the road.
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Jan 21, 2022 00:04
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I use mine for the straight cash value to my statement but if they end up doing something where a point can go further that'd be cool
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Jan 21, 2022 00:14
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George H.W. oval office posted:I use mine for the straight cash value to my statement but if they end up doing something where a point can go further that'd be cool 4% cash back on restaurants/bars/delivery it is. Vox Nihili posted:Seems like an overall positive change due to removing the minimum, hopefully they don't screw with the cash value of those points down the road. Josh Lyman fucked around with this message at 00:18 on Jan 21, 2022 |
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Jan 21, 2022 00:15
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Josh Lyman posted:Weren't Thank You points 1 point = 0.8 cents at some point? Citi would definitely be shooting themselves in the foot considering how aggressively Wells Fargo has been marketing their 2% card. Yeah, I'll dump it the second it's less than an actual 2% cash back card.
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Jan 21, 2022 00:59
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Well I’ve come full circle now. I PC’d my Thank You preferred card to the double cash when It came out, and now it’s back to thank you points. Not sure about this but I mostly use my credit union 2% card these days anyway.
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Jan 21, 2022 01:59
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Josh Lyman posted:I got a US Bank Altitude Go card in October and went to redeem my rewards for the first time. Most gifts cards were 1 point = 1 cent (the ones are sale were 8-10% off) and same for flights. Merchandise was at least MSRP. This sounds great, but US Bank has the WORST app, website, and points accrual/redemption tracking features, and it’s not even close. I have the Cash+ card, and when I first got it, I tried to do the math and make sure I was properly getting my 5% cask back. They calculate it in such a backwards obtuse way - eventually I concluded that I WAS getting the proper cash back, but now I basically just have to trust the system because no way am I digging through their terrible website again.
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Jan 21, 2022 06:45
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astral posted:Citi's Double Cash is changing a bit on March 28 (earning ThankYou points instead of dollars, removing the $25 minimum): the link astral provided went down. did they change their mind? heres the google cache copy: [url]https://webcache.googleusercontent.com/search?q=cache:sbRLOvLqCbQJ:https://online.citi.com/US/JRS/portal/template.do%3FID%3Ddouble-cash+&cd=1&hl=en&ct=clnk&gl=us[/url] does anyone know the reasoning for this change? is it to stay competitive or are they taking away something while presenting it as a customer benefit? from what i recall chase has not changed their reward points in a while if they ever have.
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Jan 21, 2022 06:59
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Link still works for me. Try a private/incognito window?
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Jan 21, 2022 07:10
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yeah that worked.
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Jan 21, 2022 07:25
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OldSenileGuy posted:This sounds great, but US Bank has the WORST app, website, and points accrual/redemption tracking features, and it’s not even close. Quoting for truth. I used one of their cards for a 0% APR offer. Their website is so loving awful that I won't use them for anything again, not even scumming bank account bonuses.
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Jan 21, 2022 07:27
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If I've already got the Chase Freedom Unlimited as a daily driver for adding points to a Sapphire Preferred, how much more value would I realistically get from adding a Freedom Flex? I know that would complete the Trifecta and all, but it's also one more card to track (all within the Chase app, thankfully). Does anyone here feel properly rewarded for tying and untying a Flex from quarterly categories, or is it an annoying hurdle? It would at least rake in another $200 signup bonus in exchange for the ding to my credit score... Looking at past categories, I think internet, phone, groceries, and WalMart could net an okay return at 5% back, but the rest wouldn't affect me. Anyone rocking the Trifecta want to complete my conversion?
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Jan 21, 2022 07:45
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I have all three (well, the Reserve, but switching to the Preferred soon), and I think the Flex is worth having. I really only use it half the year, for groceries and PayPal, but it's easy to get a lot of value out of both categories. Keep in mind that the Preferred increases your rewards redemption by 25%, so it's effectively 6.25% back. In any case, it's a free card... even if you just get the signup bonus and stick it in a drawer you've already come out ahead.
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Jan 21, 2022 07:57
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