Yesterday, I saw that a lot of people posted that they got their Chase Amazon Prime cards closed. Not a ban from Chase per say, but just that specific card was closed. Seemed like all of them had very high spending on the card.

https://imgur.com/a/Fb8iiCf

Very curious, how many years have you been with your starter card and when did you close it? Did it affect your credit score really bad, and how can you prevent that?

Just a cool little data point. Of course YMMV but I decided to take the chance and was pleasantly surprised to get the 5% for FF as well as the USB merchant offer.

I’m currently looking at getting a discover cashback, Amex blue cash or Chase freedom card. I spend the most money on gas and groceries, but I already have the BOFA cash rewards card that give me 6% on all online purchases because of the first year bonus. (Ends 8/31) Would like to get at least 3-5% cashback for both gas and groceries but think I can only achieve that by getting 2 credit cards.

Any recommendations?

Wondering how people are faring on getting Paze statement credit back, and if people can share:

1. Bank
2. Average time since last Paze transaction

For example, for myself:
- Capital One, 10 days ago, 9/10 statements given back. I reached out to support and they A) can’t tell me what transaction is missing credit and B) claim it probably wasn’t Paze which isn’t true
- Bank of America, 7 days ago, 3/13 statements given. Absolutely horrendous for me here, I think they are only giving me a single $10 credit for Sephora, anyone else?
- Citi, 10 days ago, perfect 4/4 but this was all Dunkin

Sephora seems to be the big loser going on. My main question is, are we actually waiting 2 billing cycles or can we just assume something is wrong past 10 business days and we need to call, especially if we were issued credits on a particular card already for other orders around the same time?

Edit: Thanks to commenter below, I can now confirm that Bank of America labeled 10 of my Sephora transactions without the “Digital Wallet Name” set to “Paze”. I received 2 credits for the 2 purchases where it was set to. I don’t think this is a patience game anymore, I’ll probably have to call and fight about those posted transactions.

I want to take out $750 of my $2500 limit.

How much would I be charged all together?

Cash advance APR 18%

How much is the fee right away for taking the advance?

Also, am I going to be paying 18% of 750 dollars every month until I fully pay off the credit card in full?

We are fairly new to credit cards and have a simple question....

For simplicities sake, let's say our credit card billing cycle is, let's say, 6/01-6/30 and that the due date is the 7/20.

Is it best to pay off the balance before the statement closes (ie., 6/15) or after the statement closes but before the due date (ie., 7/15)?

Either way, balance would be paid in full.

After sitting at a 720 credit score for a while, I finally got approved for the Chase Sapphire Preferred. Honestly, I’m pretty excited but also a little overwhelmed. I used to be the type of person who mostly just checked if I had enough money in my account before buying something. Over the past year I’ve been trying to be more intentional with spending, tracking where my money goes, and actually learning how credit cards work.

Even small things like keeping separate budgets for fun spending, including some extra money I had set aside from bсgаme, helped me stop treating every purchase the same. Now I’m trying to understand how to actually make my money habits work better instead of just avoiding spending. I’ve been reading about points, transfer partners, and travel hacking, but I still feel like a beginner.

For someone new to the Chase ecosystem, what are the first things I should do with the Sapphire Preferred? Any mistakes to avoid? And is upgrading to the Sapphire Reserve something that makes sense later, or is Preferred enough for most people?

I have decided I want to get the Chase Ink Business Cash and the Chase Ink Business Unlimited, both have a very attractive SUB right now. Can I possibly get these both if I apply for them together? Is it possible to accept both and possibly get each SUB?

Or is this more likely to blow up in my face with a declination instead of just missing out on a SUB?

Chase says it the sub may not be available if you have ever had this card or another Chase card without an annual fee.

Eligibility should not be a concern.

Other than the obvious Robinhood 3%, what unique or creative credit card combinations can be used to redeem cashback into an investment account?

Status: pending in review
Documents needed by issuer: Photo ID, Bank statement or Utility bill (PDF’s and Scanned by Notes “Scan Document” ideal technique i learned.)
What I sent: Photo ID/DL, Bank statement from BOA, and my AT&T bill.
Next status: instant approval for $7300

Scores at the time: 742 TU 730 EQ 728 EX

What bureau they pulled: EQ
Hard pulls before approval: 13 in 2 years and 4 recent in 1 year
Hard pulls after approval: 14 recent in 2 years and 5 recent in 1 year

Income reported on application: 60K ( W2 & Business income between my wife and I )

Welcome offer: $100 for $1000 spend (not bad tbh)

Note: it’s weird how I was approved for 2 cards in 24 hours because of last night’s DP of Barclays Samsung card 😭

In addition to credit cards, I’ve been churning SUB for new checking/savings accounts in the last 6 months. Does anyone know if soft inquiries from opening new checking/savings accounts will affect chance of approval for new cards? Especially for banks like capitalone?

Hi everyone .I have only 2 inquiries on my credit report, and they are both about 7 months old.
When I request a credit limit increase, they give me “too many inquiries” as the reason.
I’ve had a lot of soft pulls from pre-qualifications. I also had other hard inquiries in the past, but I had those removed from my credit reports.
I’m trying to understand what they mean by “too many inquiries.”
Are they counting the soft pulls from all the pre-qualifications I’ve done?
Or can they still see the hard inquiries that were removed from my credit reports and count those against me?

Hey everyone. I'm backpacking Europe next month and I'm looking for a credit card with the highest sign on bonus with a $1,500 minimum spend or less. And also no foreign transaction fees. My credit score is 685.

I was looking at: Capital One Savor, and U.S. Bank Altitude Connect. But any recommendations are great.

Thank you

So Chase just closed my Amazon Prime card. I sent them a secure message, and they said they had mailed me a letter stating the account would be closed for inactivity unless I used the card or contacted them within 50 days.

The problem is, I never received any letter, and I use electronic statements and notices, but there is nothing there either. I also use this card at least twice a week for Amazon purchases, so I have no idea how they could consider it inactive.

Has anyone else experienced something similar with Chase? I’m going to call them and try to get more information, but I’m curious whether this has happened to anyone else.

Looking for recommendations on the best straight cash-back card for unrestricted (flat-rate, all-purchase) categories.

I currently have the Apple Card through Goldman Sachs, but I'm closing it. Disputing unauthorized transactions has been far more effort than it's worth.

What are people using for a solid flat-rate cash-back card? Priorities: simple unrestricted earn rate and responsive fraud/dispute handling. Appreciate any input.

I had $40k spend last year.

Both are essentially based valued at 1k for 8k spend. I have $1.5k in costco purchase coming up + pre-k tuition, which I can put on CC. So, hitting $8k won't be an issue.

CB PROs:

1) Cash back right away.

2) No AF

3) 1.5% CB on my 8k purchase.

4) 4 months to spend $8k

5) supposed elevated offer. I dont know how often it comes.

Points PRO:

1) I can easily get a value of $2k for my future travel.

2) Can combine with my already locked up preferred 150k points

Just based on my quick research, I am leaning CB but want to understand benefits if any that I haven't thought of in the points.

According to Daily Drop, both card's current offers are the best in the past few years.

I can't get any chase personal cards because both P1 and P2 are over 5/24

Dont want to get VX until I get the elevated offer.

Likewise, for citi Strata premier and WFA.

P.S. will chase allow me to use virtual cards right away to purchase appliance at Costco?

Title. I keep seeing posts about the discontinuation of the cash back rewards but they talk about the debit card only. Does it apply to the credit card too?

So I have no proof of income and I'm planning to claim a small amount of money I made for tax purposes. And not sure if I'll go to school this fall.... but curious

What kind of credit card can I apply with with no real source of income?

I have some loans on my account and score is around 595?

I went to my bank and told them I have no proof of income, lady said I would t get approved without former tax info.

In the meantime I'll try to figure out my taxes... I have a few thousand dollars a year from onlyfans for reference I'm in the USA...

Lots of things happening in life lately simultaneously. Trying to make some changes. Elevating my financial positioning for one. Possibly thinking of switching from flying Delta primarily to United primarily. Again, lots of things happening simultaneously. Won’t get into details but this sets the basis for my post.

I was thinking of trying for the United Explorer earlier this month but work and life got in the way and I missed my window. Now my recent churn card (Delta Amex Gold) hit as a new account and I’m at 5/24.

I’ll be 4/24 in November and 3/24 in December.

I currently hold the WF Active Cash as a keeper card and plan to pair it with the Autograph long term for a hybrid set up vs pure points optimization. I only got the WF Active Cash in June this year so I have to wait until December to get the Autograph.

I was planning on churning the United Explorer or maybe even keeping it. I see lots of points boosting promotions for it and even better points deals than Delta. My home airport is TPA with a singular Delta lounge in the international terminal. I do fly international once a year and we take flights 2-3 times per year. Currently hold a vanilla Amex Plat so lounge access won’t be an issue when I do fly Delta. But rewards flights, I’m thinking I’ll have better luck with United overall since United card holders typically have a bunch of deals (source: doctorofcredit) to earn more miles. I haven’t flown United for a couple years as their cash prices slightly edged out Delta for the dates/routes we were looking at and I had no United miles to gauge rewards pricing.

I was also looking at churning the Venture X for international based rewards. Not keeping it long term because most of its benefits unless I settle for 1cpp are based around their travel portal and that’s a hard pass for me.

Also trying to elevate my financial situation so I was looking at Fidelity CMA paired with the -shudder- Elan -shudder- Fidelity Visa card. I already invest with Charles Schwab for the record but again, elevating my financial situation and diversifying. Also currently churning bank bonuses.

That being said… cards I’m targeting:
- United Explorer
- Wells Fargo Autograph
- Venture X
- Fidelity Visa

All of which have some sort of inquiry sensitive roadblocks. I’ll be 3/24 by December but won’t be down further than that until July 2027.

I was planning to do the United Explorer in November, Wells Fargo Autograph in December, Fidelity Visa in Jan and fingers crossed by July 2027, I’ll pre-qualify for Venture X. The reason I’m putting off that for last is I don’t have big spend coming up until next year so the $4000 in 3 months when I have a P2 in the game makes that a huge stretch.

I realize I’m all over the place but with work and my personal life ramping up and going through changes, is my thinking aligned with the “proper order” or am I putting way too much thought into this?

TL;DR: Is the order I plan to get these cards the best way to do it? Or am I over thinking?

Hey everybody, I tend to usually always comment on threads but this time I am at a cross roads. I tried looking through options to see if bilt palladium could best suit my situation.

Current monthly expenses

1300 mortgage
groceries 600
utilities 550
monthly random spend 1000 (including going out to eat/movies/random purchases etc)
a total of... approximately 3450 monthly spend

I tend to travel domestically minimum once~twice a year

currently my main line up of credit cards is...

Venture X - Used whenever I want to book a flight every year with the bonuses and use it to pay my taxes every year
robinhood gold - catch all

would it be worth it to cancel my sub on both robinhood gold and venture x and just go all in on bilt palladium? or keep my current set up active

Hi. I don't use my Cash+ cards for 5% back. I am annoyed that I didn't know about Connect as I could have visited some lounge for 1st time. Trying to prep for future.

I accepted a credit card by this company. They charged me a $250 annual fee which I was ok with. but I tried to use the card and I was told it triggered a fraud alert and I needed to speak to a representative. The representative asked me verification questions such as addresses I've lived at and my uncle has lived at. I answered the questions correctly as I know my previous addresses and where my uncle lives. The representative said I answered them incorrectly and my card was being frozen. I said if you are going to block my card and I can't use it than I have no use for it and just close the account and I'm not paying a $250 annual fee for a card you are not allowing me to use. They stated the $250 cannot be waived. So I am being charged an annual fee for a product I cannot use which is unacceptable and needs to be reported.

What’s the most cards you’ve applied in a month? I’m living overseas but come back to US every few years. Still have US address of my parents and excellent fico scores.

I just got the Amazon Visa just for the $150 gift card, which it says goes to your account directly upon approval. I got approved and have gotten nothing. Has this happened to anyone else?