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

Robinhood is learning just how discerning ultra-luxe credit cardholders can be.

The company known for its trading app is retooling its platinum card after customers complained about the perks when it was announced back in March. For a card that charges a $695 annual fee, many pointed out that some of the perks weren’t as generous as they seemed.

https://www.wsj.com/personal-finance/how-robinhoods-revamped-premium-card-compares-to-rival-offerings-b8eeef8a

Trying to narrow down my search for travel cards and was trying to figure out the best card that includes lounge access and guests. I travel internationally once a year and maybe 1-2 times a year domestically. Obviously that’s not a lot so I was hoping that annual fees are on the lower side as well.

Right now I am considering getting the Amex gold card or the citi strata premier. I was approved (pre-approved) and am waiting to accpet my offer with a welcome bonus of 60,000 points when i spend 8k in 6 months on the amex. I havent applied for the citi card yet.

I am a current sophmore going into my junior year where I will be studying abroad in london in the fall. Food is by far my biggest category. I want to accumulate points and am not willing to use chase cards. I am worried about the heafy 325 fee on amex but my parents offered to cover it for year one and i think i would use the credits, but am considering it long term. The citi fee being lower is much nicer but i almost definitely wouldnt use the credit. There is a slim possibility that my parents would give the money to me to use abroad if i didnt use it on the amex card, but theres a larger chance I would lose it.

I currently have the amex blue cash every day, capital one savor, and discover it student cash back. If you had to give me a recommendation, between the two cards which should i pick

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.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* Bank Of America - Advantage plus [First and only card]

* FICO scores with source: 750

* Oldest credit card account age: 2

* Cards approved in the past 6 months:

* Cards approved in the past 12 months:

* Cards approved in the past 24 months:

* Annual income $: 90000

CATEGORIES

* Ok with category-specific cards?: No

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 1000

* Groceries $: 1000

* Gas $: 500

* Travel $: 5000

* Using abroad?: Travel, Work, Vacation

* Other categories or stores:

* Other spend: Electronics

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Big bank customer: Bank of America

PURPOSE

* Purpose of next card: Travel Rewards

* Travel rewards preferences: Marriott, Enterprise, Hertz, Holiday INN, Delta

* Cards being considered:

Hi everyone!

I had a co-worker friend mention there's a good bonus for Chase Sapphire Preferred rn and I hesitated at first but he mentioned the points and travel perks and I'm intrigued but would wonder if it would be super helpful to me and in general if there's a good travel card for me or if I even need a new one at all.

The reason I'm intrigued is I am doing a pretty big trip from the US East Coast to Europe in November as part of a regular personal business trip (I've done this trip annually for 3 years running and not expecting to stop) and bringing my teen as an assistant and potentially my partner so at least from a points/CB perspective a card for travel doesn't sound insane. Also I typically make multiple trips a year internationally and domestically on flights and Amtrak for primarily business with some personal trips sprinkled in.

Open to any suggestions for personal and/or biz cards or if my co-worker is making a good suggestion or just in general what could work and happy to answer any questions in addition to what I said above and from the template below. Bonus if the card would be good to have my teen on as a way to help their credit but not necessary since I have others.

• Current cards:
  • Capital One Quicksilver - $1,010 - April 2018
  • Apple Card - $600 - Dec 2021
  • Amex Blue Everyday - $1000 - April 2020
  • BBY Card - $2000 - June 2021
• FICO Score: 630
• Oldest account age: 8 yrs, 2 mos
• Chase 5/24 status: 0/24
• Income: $82000
• Average monthly spend and categories:
  • dining $300
  • groceries: $300
  • Utilities: $300
  • travel: $50-300
  • Mortgage: $1539
• Open to Business Cards: Yes
• What's the purpose of your next card? Travel
• Do you have any cards you've been looking at? e.g. Chase Sapphire Preferred
• Are you OK with category spending or do you want a general spending card? Either works

Hi everyone, so I am looking for a grocery card since that’s the last “gap” I need to fill.

I can’t decide between Amex BCP (which I will downgrade after 1st year to BCE) or the C1 Savor

Current cards:
WF autograph
Chase sapphire preferred (got for sub)
Chase freedom unlimited
Fidelity visa

Grocery spend ~350/month

General monthly spend ~1,100/month

I think the entertainment category would be nice on the savor card and sub is easier to get…but the 6% groceries is pulling me in

Any input or opinions are appreciated

Thanks

Hey everyone, like some of you I was a little late to the game with product changing another of my Citi cards to a Citi Custom Cash, I just ended my live chat with a representative and he said that it was not an option as some of you already speculated/knew.

What I also found out was that the only options that were available, or at least for me, were these cards:

• Citi/AAdvantage Platinum Select World Elite Card
• Citi / Advantage Globe Mastercard
• AT&T Points Plus Card from Citi

I was hoping to at least downgrade the card to the Citi Strata card but that wasn't available, and since my annual fee was hitting this month I decided to just product change the card to the AT&T Points Plus Card, since I do use AT&T as my phone/internet provider. Fingers crossed its an okayish card.

What do you guys think did I just get a bad customer service person?

And for those of you wondering what Eddi said about why those were my only 3 options this was what he said.

"I appreciate your patience,

Current available products:
Citi/AAdvantage Platinum Select World Elite Card
Citi / Advantage Globe Mastercard
Other:
AT&T Points Plus Card from Citi

These conversion options, whether for upgrades or downgrades, are typically part of what we call "periodical offers." This means they are updated and change on a regular basis, much like a rotating selection, to ensure we're offering the most relevant choices at different times.

We definitely encourage you to check back with us in the future, as new card conversion opportunities often become available! We want to ensure you have the best possible card for your needs when the right option comes along."

I've been considering a Venture X card as a catch all (and for the SUB). I currently have Flex, Freedom Unlimited and CSP.

Is it worth it strictly for the better 0.5 catch all rate that I get on my Freedom Unlimited? We will use the travel benefits so I'm not worried about the annual fee.

Does Amex do a hard or soft pull on personal credit for a business card application, given I already have an Amex personal card?

Which bureau do they typically pull?

I currently have the Chase Freedom Unlimited and the CSP. I was looking at getting the Amex Gold. But I am already invested in Robin-hood. so idk what would be best.

I applied for the Bank of America Customized Cash Rewards card after their pre-approval tool gave me the green light. I even chatted with a BoA rep before applying, and they said it should be approved.

But after I submitted the application, I got denied.

The denial letter said:

• No existing relationship with Bank of America
• Too many recently opened cards (5/24, 3/12)

It might be known broadly but i wasn't aware. So just a heads-up—getting a green pre-approval doesn't necessarily mean you'll be approved.

I am not sure whether reconsideration line exists for BofA.

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?

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?

Im switching jobs where I'll be traveling once a week for a night or 2. I live in a Delta hub and my family has a preference of Marriot hotels (favorite in az for fun). Is it better to get one travel card such as capital one venture or use individual cards for flight, hotel and rental car? I want to use the points for fun traveling with the family. I already hold a delta card but nothing else at the moment. Never had the opportunity to get rewards like this so any help is appreciated.

Thanks!

• Current Card:
  • BankAmericard $5,000 limit, May 2024
• FICO Score: 780
• Oldest account age: 2 years 2 months
• Chase 5/24: 0/24 (I haven't applied for a new card since)
• Income: ~ $30,000-$35,000
• Average monthly spend:
  • Dining: $200 - $300
  • Groceries: $100 - $200
  • Investing: $500 to my RothIRA
  • Travel: $2000 (a year)
  • Other: $50 (subscriptions)
• Not open to Business Cards
• Purpose: Everyday spending/Cashback
• Cards I have been looking at: Chase Freedom Unlimited and Flex, Citi Double Cash
• Looking for General Spending Card
• Other Info & TL;DR:
  • I plan to keep my BankAmericard for subscriptions to maintain my long-standing credit, just need a new everyday spending card.
  • Looking for a card to apply to now and potential card plans (Chase Trifecta?).
  • Income only reflects current part-time job ($25 an hour, ~20-25 hour weeks unfixed).
  • We do travel as a family often, so the $2,000 is referring to extraneous travel expenditure (hotels, airbnb, flights). A card without foreign-spending fees is a huge plus but not an absolute must for right now. Ideally, I'd want one in the future (3-5 years from now?).

Hi, I'm a fresh grad currently working a part-time job and I've been using the BankAmericard to build up my credit for the past few years. I didn't really look into the details of the card since my parents just sent me the link and told me to apply, but now that I live in the US again full-time, I realized that the card doesn't have any rewards (except for a few deals that you have to apply for before using).

Now, that I'm working and using my credit card more often, I'm trying to phase out my BankAmericard and find a card that has some kind of benefit or rewards system to make the most out of my money. At the very least, I was able to build my credit score with my previous card but I'd like to make better use of the money I spend. I also am currently living at home, but am planning to move out within the next 2-3 years.

Please give recommendations and advice (second card and card plans)! Looking forward to seeing your reponses and thanks in advance! :))

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.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:
* M&T Visa $13,000 limit, 07/2017
* FICO scores with source: TransUnion 767, Equifax 778
* Oldest credit card account age: 11 years
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 0
* Cards approved in the past 24 months: 0
* Annual income $: 126,000

CATEGORIES

* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: No
* Estimate average monthly spend in the categories below.
* Dining $: up to 2000
* Groceries $: 400
* Gas $: 0
* Travel $: 200 month - Uber/Lyft

* Using abroad?: Extended travel in Europe for honeymoon in August, that’s about it
* Other categories or stores: Movie streaming services (Amazon, HBO), second-hand shopping on eBay and thrift stores, local businesses (coffee, restaurants), occasional concerts (less than $50/month), cell phone ($130/month), apple storage ($6/month), regular facials ($130/month),
* Other spend:
* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes
* Big bank customer: Wells Fargo (for stocks and stuff)

PURPOSE

* Purpose of next card: Building Credit
* Cards being considered:

I checked my eligibility (pre-approval) for Capital One Venture X Business Card with limited revenue ($5K/year) and spend ($500/month) and it keeps showing the most basic Spark card.. is there some spend and revenue threshold to get this approved? I've seen so many posts of people getting business card with 0 revenue -- how were you successful?
I entered sole proprietorship and was thinking of selling used items on Poshmark and marketplace..

My credit score is 815 and don't have any other business credit card.

I have a Citi Double Cash, Discover IT and a Prime Signature Visa card.

Travel expenses usually go on the Prime Visa since it has some travel benefits.

A travel card is interesting to me such as the CSP and Venture X because of the potential travel partner transfer boosts and primary rental insurance (I don’t often rent vehicles, but I may).

The cons I have seen with a travel card:

1. I’m still going to have to purchase liability insurance at the counter for rentals as that is not included.
2. People complain a lot about travel portals, so booking seems safer directly, which seems to negate one of the big selling points.

I fly Southwest or American usually out of AUS. Booking directly seems still like the best option if I am not mistaken.

For someone who spends approximately $4k-$7k per year on travel and would usually purchase travel insurance anyways on international trips, am I a good candidate for a travel card or should I stick with cash back?

I’m not interested in churning cards.

Thanks!

⁠Current cards:
⁠• ⁠chase sapphire preferred, reserve and freedom
⁠• ⁠capital One

• ⁠FICO Score: over 810
• ⁠Oldest account age: over 20 years
• ⁠Chase 5/24 status: 2/24
• ⁠Income: $60,000
• ⁠kitchen remodeling around $40,000. The contractor will take a credit card.

• ⁠Open to Business Cards: No
• ⁠What's the purpose of your next card? Travel or Cashback
• ⁠Do you have any cards you've been looking at?
• ⁠prefer a general spending card?

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* Discover It - May 2021

* AmEx Cash Magnet - Nov 2021

* C1 Savor - Jan 2024

* WF Active Cash - Jun 2024

* Chase CSP - Oct 2024 (converted to OG Freedom earlier this year)

* Chase Freedom Flex - Mar 2025

* BofA CCR - Jan 2026

* BILT 2.0 - Feb 2026 (Opened as BILT 1.0 in Sep 2023)

* Citi AAdvantage Platinum Select - Mar 2026

* Bofa Travel Rewards - Apr 2026

* FICO scores with source: Transunion - 754, Equifax - 797 (Based on Credit Karma)

* Oldest credit card account age: 5 years, 2 months

* Cards approved in the past 6 months: 4 (3 if not counting BILT transition)

* Cards approved in the past 12 months: 4 (3 if not counting BILT transition)

* Cards approved in the past 24 months: 6 (5 if not counting BILT transition)

* Annual income $: $33,000

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: Yes

* Estimate average monthly spend in the categories below.

* Dining $: 200

* Groceries $: 300

* Gas $: 50

* Travel $: 0

* Using abroad?: No

* Other categories or stores: None

* Other spend: $500-600 on miscellaneous spend

* Pay rent by card? Yes, amount and fee: 1,850, usually put it on my BILT card

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Big bank customer: Chase and Wells Fargo

PURPOSE

* Purpose of next card: Other

* Cards being considered: WF Autograph Journey, Citi Strate Premier

ADDITIONAL INFO

I spend about $900 a month on rent (also pay roommate's share, who then pays me back, so about $1800), and about $1000-$1250 on non-rent expenses. I have about $1600 in medical expenses that I need to pay. I have the savings to pay it in one go, and also the option to enrol in a payment plan with the hospital. So over the next 3 months or so, I will be spending $5000 in non-rent expenses.

I want to use this opportunity to get a sign-up bonus on a credit card. I understand that my velocity is already high, so I might not qualify for a lot of credit cards, but what is the biggest sign up bonus I can get in my situation? I would prefer cash back rewards over travel points because I don't have any immediate travel lined up. I would also prefer I can use a pre-approval tool to check my chances, and avoid a denial resulting in a hard pull.

I am not open to business cards currently.

Thank you for any advice you may have!

Hi, whats everyones thoughts on the Amtrak credit card with a 99$ annual fee?

I travel from ALB to NYP about once or twice a month. Trying to see if this card is worth the annual fee.

I currently use the Capital One Venture as my catch all card.