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Just wait until hyperinflation makes a taco cost one thousand dollars. You’ll rue the day you didn’t get a bajillion dollar limit….
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May 10, 2022 01:57
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Apple increased my limit by like 3x for no reason last week 
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May 10, 2022 01:58
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My credit:annual income is higher than 2. That's normal, right?
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May 10, 2022 04:21
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Shroomie posted:This usually only happens with multiple cards from the same bank (Chase is notorious for limiting you to 50% of your income), but they can usually adjust existing limits to make room for a new card if you call recon. Does Chase have a hard limit of 50-60k or so?
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May 10, 2022 05:49
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I got denied on my Freedom Flex application having a 6-figure overall credit limit but was sent a pre-approval flyer for the Freedom Unlimited within 2 weeks and went for it and was approved. So . . . this doesn't help at all because we can't tell if the pre-approval exempted me from the limit. Unless you're talking about a limit only within the Chase ecosystem. This is my first and only Chase card so far. In which case, this still doesn't help.
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May 10, 2022 07:03
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I recently applied for and recieved an Amazon Prime Visa, Venture X, and Amex Gold (first amex card). VX and Gold both did a hard pull on my Transunion, I don't think Amazon did. I'm thinking about getting a card for my business (LLC with its own EIN), is it okay to move forward with that or should I wait? My credit scores pre-pull were 780+
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May 10, 2022 16:43
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Hard pulls fade fairly quickly. Unless you were thinking of applying for a loan in the near future, go for it. That said, some cards will start rejecting you if they see too many hard pulls in your recent record, but three cards shouldn't be a problem IME.
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May 10, 2022 19:09
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I just got some paper mail from Chase where they sent me "balance transfer checks that make it easy to pay for the things you need". It's essentially two "checks" which I can use to pay whatever up to $15.000 at 0% APR and the balance gets added to my July statement (so payable August). I can apparently even use this to pay myself and just use the cash for whatever. So, is this essentially a 3 month interest free loan? Just to be clear I'm not going to use this, I'd just never gotten something like this before.
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May 10, 2022 21:24
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dpkg chopra posted:I just got some paper mail from Chase where they sent me "balance transfer checks that make it easy to pay for the things you need". It's essentially two "checks" which I can use to pay whatever up to $15.000 at 0% APR and the balance gets added to my July statement (so payable August). More or less, yes. If you decide you want to use the checks though, do not use the card for anything until you pay off the loan completely. The checks are 0% but purchases most definitely are not, and since you already would have an outstanding balance, there is zero grace period on your purchases.
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May 10, 2022 21:28
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I've gotten some of those recently, and all of them indicated a 3% fee would apply. Interest free but not actually free
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May 10, 2022 21:34
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Didn't part of the Credit Card Bill of Rights / CARD Act that Obama signed force them to apply payments to the highest interest portion of a balance first?
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May 10, 2022 21:36
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With those there are a couple of things to look for. First is a balance transfer fee, which is a couple %. There usually is one, but it can be waived for a specific promotion. The second is if they are going to retroactively charge interest if the full balance isn't paid off at the end of the promotion. I'm not sure if this is common, but I would definitely check. Lastly if you don't also have a promotion for 0% interest on new purchases the held balance is likely going to mean you don't have a grace period and purchases will start accruing interest immediately. They're best avoided as they are intended to be traps, but they can be to your advantage if there is no balance fee, you pay the entire thing off before the APR kicks back in, and you put the card in a drawer and don't use it for anything else until after it's been paid off in full for 2 statements in a row.
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May 10, 2022 21:36
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dpkg chopra posted:I just got some paper mail from Chase where they sent me "balance transfer checks that make it easy to pay for the things you need". It's essentially two "checks" which I can use to pay whatever up to $15.000 at 0% APR and the balance gets added to my July statement (so payable August). Look out for a fee that's separate from the APR. e:f;b
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May 10, 2022 21:36
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THF13 posted:The second is if they are going to retroactively charge interest if the full balance isn't paid off at the end of the promotion. I'm not sure if this is common, but I would definitely check. This is big with Synchrony (Sweetwater, Paypal Credit, and Amazon cards for me definitely something to keep on top of). I haven't come across anyone else which does it, but I'm sure there are more. I'd be surprised if Chase is one of them, though.
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May 10, 2022 21:38
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astral posted:Look out for a fee that's separate from the APR. Yeah, I just reread it and it's a 4% fee. JFC, I can only imagine how many people just cash these checks and dump them into crypto or whatever.
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May 10, 2022 21:41
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dpkg chopra posted:I just got some paper mail from Chase where they sent me "balance transfer checks that make it easy to pay for the things you need". It's essentially two "checks" which I can use to pay whatever up to $15.000 at 0% APR and the balance gets added to my July statement (so payable August). Any way to opt out of these? I get them just about every month from all my Chase cards thinking they might have updated their terms or something only for it to be another balance transfer check.
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May 10, 2022 22:34
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halokiller posted:Any way to opt out of these? I get them just about every month from all my Chase cards thinking they might have updated their terms or something only for it to be another balance transfer check. You should be able to opt out if you call or send in a secure message (which may tell you to call anyway).
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May 10, 2022 22:39
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How long does it usually take to get mailed the physical Amazon Prime card? I was approved and I've been able to use the card online for over a week , but I can't create a Chase account to actually manage it without the physical card.
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May 11, 2022 20:30
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I think mine came in like a week or so.
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May 11, 2022 22:08
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Edit: nvm, I was having a dumb issue with the Amazon Chase Visa and the Households feature but I "fixed" it. The tldr is that trying to switch households around is a pain in the rear end and be ready to wait 180 days to fix anything.
dpkg chopra fucked around with this message at 17:45 on May 21, 2022 |
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May 21, 2022 17:18
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i'm in a weird limbo right now where fidelity wanted me to send in more info to verify that i am who i say i am but i was a bit late in sending that info (via fax!) but now i'm trying to figure out if they're even processing it anymore and whether or not i should just reapply for the card or if i should just apply for another 2% CB card... no real question but just wanting to get 2% on my purchases...
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May 23, 2022 18:18
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Strong Sauce posted:i'm in a weird limbo right now where fidelity wanted me to send in more info to verify that i am who i say i am but i was a bit late in sending that info (via fax!) but now i'm trying to figure out if they're even processing it anymore and whether or not i should just reapply for the card or if i should just apply for another 2% CB card... no real question but just wanting to get 2% on my purchases... You can call them and ask them. Citi double cash is ok and if you get a rewards+ from citi also you can link them and get like 2.2% back
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May 24, 2022 03:24
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i called and they said i took too long and should reapply. i reapplied and immediately got the card  btw, if you put 2 million into the money management account they'll up your cash back to 3%. lol..
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May 25, 2022 23:06
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I got hit with a hard credit limit on my Amex Gold tonight. I owe Amex more than usual right now, but the majority of what I owe is on my Platinum card and that's still No Preset Spending Limit. I think maybe they were worried about fraud happening with my girlfriend's AU card. She used it a few places around town today and as soon as she hit $500 spend for the day they capped the card right where it was. I might call tomorrow and see what's up. I don't really care if it has a limit. My main concern is I'm looking to take advantage of a Business Platinum offer I've got and idk if this disqualifies me from opening a new account.
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May 26, 2022 05:34
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What are the threads thoughts on the X1 card? I'm starting to look for a new daily credit card to replace my USAA Limitless card. 3x rewards (2.7x for cash) seems like a decent deal?
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May 29, 2022 23:50
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People who minmax probably aren't going to get to the $15,000/year unless they spend a lot on their fallback card. But if you're only looking to carry one card it seems worth considering.
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May 30, 2022 00:58
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Alliant CU's Visa Signature is a similar no-fee 2.5% card if you're willing to open a checking account, keep $1000 in it, receive statements electronically, and make at least one electronic deposit per month.
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May 30, 2022 01:13
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SamDabbers posted:Alliant CU's Visa Signature is a similar no-fee 2.5% card if you're willing to open a checking account, keep $1000 in it, receive statements electronically, and make at least one electronic deposit per month. I am working on that card, but you also need to have kept $1,000 in it for the entire last quarter, and managed the electronic deposit every month of that last quarter. So if you want 2.5% get 1,000 in the account by the end of June, you can have it in October. That being said, in general, cashback above 2%, in general, is probably not sustainable. If a card actually gives you above 2% back per purchase they are losing money on every purchase, the X1 card is a "fintech" product. Anyway, the point is with these products, you kind of expect some issues as they are not a traditional bank, and at some point they will almost certainly change the cashback amount, reduce the rewards, etc..
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May 30, 2022 01:34
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MrLogan posted:What are the threads thoughts on the X1 card? I'm starting to look for a new daily credit card to replace my USAA Limitless card. 3x rewards (2.7x for cash) seems like a decent deal? I was looking at it earlier, and forbes says you can't redeem the points for cash? https://www.forbes.com/advisor/credit-cards/reviews/x1/ maybe that's changed Tunicate fucked around with this message at 22:31 on Jun 11, 2022 |
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Jun 11, 2022 22:28
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SamDabbers posted:Alliant CU's Visa Signature is a similar no-fee 2.5% card if you're willing to open a checking account, keep $1000 in it, receive statements electronically, and make at least one electronic deposit per month. You only get 2.5% on the first $10k spend, unfortunately (in addition to the other hoops). I just want something to put $25k-$30k on annually and not have to worry about rotating categories or min/maxing or anything.  Tunicate posted:I was looking at it earlier, and forbes says you can't redeem the points for cash? It's technically a statement credit and not cash from what I read, but maybe that's what they are referring to?
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Jun 12, 2022 18:08
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MrLogan posted:You only get 2.5% on the first $10k spend, unfortunately (in addition to the other hoops). I just want something to put $25k-$30k on annually and not have to worry about rotating categories or min/maxing or anything. It’s 10k per billing cycle (month)
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Jun 12, 2022 19:16
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MrLogan posted:You only get 2.5% on the first $10k spend, unfortunately (in addition to the other hoops). I just want something to put $25k-$30k on annually and not have to worry about rotating categories or min/maxing or anything. BofA will do 2.62% everywhere on their top cards with relationship bonus from parking assets with BofA/ML.
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Jun 13, 2022 02:41
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FunOne posted:BofA will do 2.62% everywhere on their top cards with relationship bonus from parking assets with BofA/ML. It’s kind of disingenuous to say this and not explain the amount of assets.
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Jun 13, 2022 06:24
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FunOne posted:BofA will do 2.62% everywhere on their top cards with relationship bonus from parking assets with BofA/ML. When I was a dumb undergrad I got caught up in BofA’s strategy of staggering withdrawal/deposits to maximize penalty fees and haven’t used BofA since. 
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Jun 13, 2022 11:15
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pseudanonymous posted:It’s kind of disingenuous to say this and not explain the amount of assets. It's $100,000. However this is a lot easier to meet than it sounds since you can transfer your IRA there and fill it up with Vanguard ETFs.
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Jun 13, 2022 16:17
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pseudanonymous posted:It’s 10k per billing cycle (month) Well that's certainly better! I'll look into them.
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Jun 13, 2022 23:17
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Heyo, figured I'd resurrect this. All the links have expired, so I wiped the sheet, please feel free to add your own. If you want a new card/tab let me know and I'll add it:Jerk McJerkface posted:Goon Credit Card random referral page:
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Jun 21, 2022 14:25
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Jerk McJerkface posted:Heyo, figured I'd resurrect this. All the links have expired, so I wiped the sheet, please feel free to add your own. If you want a new card/tab let me know and I'll add it: Thanks for managing this! Couple of minor things: 1) The first line on the Discover IT page is protected and causes blanks to populate the random page when it selects it. 2) The Capital One cards are called "Savor" and not "Savior." I didn't want to change them in case it messed up your formula. 3) The formatting for the bonus on the random page for some cards will only display it as plain numbers and it is formatted to align all the way to the right side of the cell.
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Jun 21, 2022 14:54
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Leon Trotsky 2012 posted:Thanks for managing this! Thanks, fixed all these
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Jun 21, 2022 15:05
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Interesting data point, I defaulted on an Amex for about $2.3k in 2011 but I got my poo poo together a year or two after. I have had impeccable credit since but never paid Amex back. I'd applied for another Amex every few years but was clearly blacklisted based on there never being a credit pull. Remembered to check again today and was approved with a $31k limit, same as my other largest card LOC (of 5).
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Jun 23, 2022 03:19
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