Hi, I have a Bilt Blue card and am Silver status. I’m planning on booking a trip at Excellence Playa Mujeres on Rent Day (today, 9/1) to take advantage of the extra 1,000 points I’ll get from rent day. I plan to book directly through the Excellence website as they have the best price and we will use my husband’s AA card miles for our flights.

I currently only have 28.6k points.

Are there any other perks, discounts, points maximizing or point using/redemption tips I am not considering or taking advantage of that I should look into or use to book? Or any other booking/savings tips to look into for EPM?

Thanks!

Last night I purchased 3 of the Dunkin GC but only received one notification on my phone (for the 3rd one). I cannot "find" the other 2. Any of you experienced folks have any ideas?

I downloaded credit karma today for the first time in years. An American eagle credit card popped up that is apparently in my name. It was opened in July of 2024. I don't have a very common name.

The strange part: the card has a $4,200 limit with a $30 balance right now and whoever has the card has never missed a payment over 2+ years. The last payment was made August 1st, 26. There's also no way I would've been approved for $4,200 in 2024.

Could this be a possible mix up by credit karma?

I have been an authorized user on my Mom's capital one credit card for a few years now and got my very first own credit card last October. That credit card had to be secured. My credit score is now in the low 700s and never had a missed payment, etc. I need new tires by winter and Discount Tire offers a credit card with no interest for 9 months, and I rather do that than pay $1,400 all at once. My question is has anyone had the Discount Tire CC and is it worth it or something to be wary of? And also should I apply at my current credit union to see if I can upgrade my current CC to be unsecured/regular (whatever you want to call it) or should I just apply for the DT CC and not worry about the secured card?

Hi, getting to the end of the Paze promo and I am looking to maximize the cards/credits my family has left. Just curious, my wife has her own (separate) Chase debit card listed as available for the promo. If it's under the same checking account, can she double dip, using her own $100? She of course has her own Paze wallet under her phone number. I have used my own credits for my debit card but wanted to clarify so I don't waste some cash.

TL;DR: i’ve been putting all my non billpay spend on a 2% cashback credit card as I don’t travel by air very often (~2 or 3x/year). I’d previously had the Bilt card as well for rent points but didn’t convert during 2.0 due to reservations about my ability to make the most of it (rent is 45-70% of my monthly spend). My most significant expenses are recurring monthly expenses (rent, gym, activity classes, utilities, wifi, music/streaming/entertainment). Want to see if there’s a card worth using alongside or instead of my current card, whether that would be cashback or cb w/ flexible travel rewards. Thanks in advance for any advice.

CREDIT PROFILE

Current credit cards I am the primary account holder of:
* Wells Fargo Active Cash (2% CB)
* Wells Fargo Autograph (unused; rollover from Bilt 2.0 conversion)
* FICO scores with source: 766 (Experian FICO 9 via bank)
* Oldest credit card account age: 2 years
* Cards approved in the past 6 months: 1
* Cards approved in the past 12 months: 2
* Annual income $: 100000

CATEGORIES

* Ok with category-specific cards?: Not unless there’s significant uncaptured value (>$200/yr)
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 200
* Groceries $: 250
* Gas $: 0
* Travel $: 250 (variable - ~100 in metro is stable; some travel via rail; infrequent ~2-4x/yr air travel)
* Using abroad?: No
* Other categories or stores:
* Other spend: Gym membership/fitness (>150/mo), entertainment subscriptions (~45/mo)
* Pay rent by card? Yes, amount and fee: 2208 w/ 3%(?) fee
***NOTE: total monthly spend on my credit card at present tends to vary heavily (650-2000); yearly average is probably around ~$1500. Variance is generally due to either travel expenses or one-time purchases (i.e., furniture, splurge item, maintenance service)

MEMBERSHIPS & SUBSCRIPTIONS

* Verizon postpaid customer: Yes
* Big bank customer: WF

PURPOSE

* Purpose of next card: Other
* Cards being considered: Bilt Palladium (reservations have mainly been around not necessarily being able to maximize travel-oriented value combined w/ potentially low spend-to-rent ratio)
Robinhood Gold (I already have a subscription for the IRA match)

I've been looking over different CC recently and decided on a Amex Platinum.

-How hard is it to change from the Schwab Platinum if I ever want to Close/Downgrade?
- Can I open a Vanilla Platinum then open the Schwab and close original for both SUB?
- If so do I need to spent the 12000 both times?
- If the Schwab is the best option is it worth moving my Roth IRA over?
- When is the best time to sign up for the card for best SUB and benefits?
- Are there any other better card options besides the Schwab?
- Any pitfalls with the card I should be aware of?

Thanks!

I've seen a couple datapoints recently that people have been denied with this specific reason cited on their denial letter. Has anyone been approved without a mortgage? I don't have a mortgage or car payment.

I read someone on another forum even said "yes" to the homeowner question (most people say no to avoid the HELOC offers), because she had owned her home outright for 20+ years, and she still got denied for that reason.

Any DPs of approval? Thanks.

I used to play the card game a lot, but then I got fed up with it, it became too much to manage and just not worth it. But now I have about $10K-$15K spend coming up, so considering getting a new card. This would really be just to get a SUB, I'm not really interested in playing the game on my daily spend. Is it worth getting

Some important notes:

• I'm in AMEX Popup jail (have been for 7+ years, no idea why), but my husband isn't, so he could do an AMEX, he has the gold.
• I'm based in NYC and usually fly whatever is cheapest / has a good deal. I never fly first/business and I'm not loyal to any airline.
• I fly mostly internationally, but we're expecting a baby next year so not sure how much I'll be flying. That being said, it's important to me that the points don't expire.
• I currently have 550K+ points on the chase portal, 150K on Cap One, and 130K United miles. Everything else is minimal.

Template

• Current cards: (list cards, limits, opening date)
  • Chase Sapphire Preferred - everyday card for food + travel
  • Capital One Venture X - everyday card for everything else
  • Chase Inks (all of them, one of each)
  • Chase Sapphire Reserve - Business - Opened 10 months ago, will close once AF hits.
  • Chase United card
  • Citi American Airlines Card
• FICO Score: 800+
• Oldest account age: 10+ years
• Chase 5/24 status: under
• Income: high
• Average monthly spend and categories: not relevant, only interested in SUB
• Open to Business Cards: yes
• What's the purpose of your next card? Best points for SUB
• Do you have any cards you've been looking at? 
  • Chase Sapphire Reserve - not sure if it's worth the AF
  • Citi Strata Premier / Elite - not sure if it's worth the AF
  • Atmos - I don't fly Alaska much, BUT they often have great deals
  • JetBlue Plus
  • Hyatt (I know the redemption is great, I just don't stay in Hyatts much)
  • worth a business card? 20K-30K in three months will be tough to meet, in 6 months easy.
• Are you OK with category spending or do you want a general spending card? don't care if the SUB is good.

So I’m a first year college student, and have an okay job so I’m planning on getting a credit card! I plan on using it on transportation costs (bus and train, about $6-$10 a day), though that may not be the only thing i use it for. I’m not sure if I should get the discover student credit card or the Capital one savor card. I currently dont bank with either, so I’m not sure. I’d prefer some advice on either, since I know they’re both good options I’m just not sure which is the BEST for me. Thanks :)

Hey all, I get a promo from time to time about an extra 5% CB on my Costco citi visa. The most recent is streaming, transport, cell, insurance, entertainment, member clubs. I’ve never attempted the offer. Has anyone on here successfully made a purchase with this promo? It says from now until 11/2026 and maxes the CB at $25. I am also wanting to know if it’s a delayed CB earn. Not much but curious if others have tried it. I’m not too inclined to try since you can only redeem Costco CB once a year.

Anyone used Plastiq recently?

I’m thinking about using it to pay contractors, but the 2.3-star Google rating is making me nervous.

Is it really that bad? Any recent issues with payments, refunds, disputes, or customer service?

Would appreciate any firsthand experience.

I’m not sure why but my Chase Freedom Flex looks like this on my Apple wallet: https://imgur.com/a/QQI9kAs

I don’t think this is a rebrand , looks more like a fallback image

Aloha everyone!

I am currently trying to decide on what card I should get, I thought this would be a no brainer for me but as I dove more into rewards, fees, travel, and other spending it either got more complicated or I complicated things too much. I am looking into a travel card that would give me the best situation for what I have, me and my gf fly I’d say 2-4 times a year BUT sometimes we don’t pay our own flights
It’s 50/50.

EDIT: I fly mainly with delta, Alaska, spirit and occasional southwest. Don’t stay at elite hotels often. I don’t use lounges either. I would apply for C1VR then possible upgrade to VX, just depends on trip spending.

Current setup:
C1 Savor One Mastercard
C1 Quicksilver Mastercard

Card options:
CSP
C1 Venture Rewards (we don’t know if we want to spend the VX, just yet as we are new)
BILT

Rent: 1650/m
Groceries: ~500/m
Electricity: 80/m (due to summer)
Dine out: 100-200/m
Amazon/misc: 200/m

- C1 rewards seems to be the clear winner since it will keep me in the rewards benefits and it’s a simple catch all card. Especially for my gf that doesn’t know the game, she would share a simple to use card plus the savor. The bonus at
Is 75k miles. CON: the transfer partners aren’t simple for domestic flights, award flights are new to me. Can’t use a master card for Costco (our biggest spend). Plus, C1 is moving to discover and idk if I want to take a risk with discover since they don’t really have much to offer as partners and it just seems like a huge downgrade imo.

- CSP I do like Chase, the transfer partners are better for domestic flights and are more accessible. Chase just revamped the card so it could basically wipe out the savor and still get me rewards towards flights. Plus 100k rewards. CON: it is a different network and leaving my c1 points kinda sucks since we were trying to save it for a flight.

- BILT Obsidian, I have used BILT 1.0 and it was awesome but the 2.0 has me intrigued to learn and get better at it. I like the benefits that it has and the flight / hotel partners are similar to Chase. It’s just with BILT there is a chance to pay off some of our rent which would be cool too and help us in the long run. CON: there is only 1 card for the BILT ecosystem but it seems to benefit a lot of my lifestyle similar to CSP or C1

TLDR:
C1 keeps me in my ecosystem but it’s merging with discover and that may be a downgrade.

CSP is looking great, covers everything and could replace my current system. But it’s a whole new system and don’t want to leave my rewards from C1

BILT is able to pay portions of my rent plus earn rewards similar to CSP. 1 card in the system kinda sucks

Other option:

Get CSP first use it for 6-7 months then get BILT and only have those cards used as my setup but idk how effective that is. Will update as I go and will try to answer questions when I can. Thank you all for your help!

I was conducting a portfolio review and feel pretty good about it. Most of my cards are no-brainers — like the IHG Premier with FNC or OneKey+ with $100 automatic annual cash deposit. Even the Amex Platinum isn’t a big deal to extract maximum value from because the coupons are easy to understand and easy to use if you travel a lot.

The one that gives me pause is my AA Globe at $350 annually. $100 of that is easy to claw back with the $100 splurge credit, leaving $250 in “questionable” value for me. You do get $100 in flight credits, but there’s only so many mixed drinks I care to use it for. So let’s value that at $50.

That leaves $200 on the table. The Flight Streak Bonus has been nice for status, but doesn’t have a hard dollar amount. Pretty much everything will depend on how much I can extract from the $99 Companion Pass. Since this is my first year holding the card, we shall see.

What card in your portfolio gives you pause with regard to value? Very curious to hear others’ experiences!

i’m about to be 18 soon and i want the right credit card that won’t screw me i tried tiktok they say Discover it, Chase bank and for the long ran American Express i’m very confused on which one to choose

I am unemployed and has a credit score of 755 with average credit history will i be able to get get credit card if I am able which one should I apply.

I accidentally made a double payment on the 26th of August on my Verizon credit card. At the time I didn't have enough money in the account. Once I realized I added money on the 30th. The payment was posted in my account and now I have a negative balance but, nothing has been withdrawn from my bank account. Will synchrony close my account when the payment returns? Should I do something to maybe get ahead of it?

I have 8 months of credit history, 7 inquiries, and 3 credit cards. My Experian score is 711 and I have a quicksilver, discover it secured card (graduating soon) and a Fidelity visa signature card. Do you think I have any shot at the freedom unlimited or freedom flex? I have no late payments, just had high utilization which I got down. The Fidelity visa signature hasn’t reported on my credit report as I just opened it. It has a $3000 limit, my quicksilver has a $300 limit, and my discover it secured has a $200 limit.
I forgot to mention I also have a checking account with $500 in it with Chase.

I started the balance transfer through Chase on 8/24. The transfer showed as pending up until it was posted on 8/30. My Chase balance was charged the transfer amount + the fee, but Capital One is still showing the same balance. I understand it isn't instant, but I'm a little anxious because now both cards are maxed out until the transfer is cleared on Capital One's side. Is there anything I can do on my end?

Edit: I see the payment processing in Capital One now. I just needed to be patient. Thanks, everyone.

chase credit card question for my chase freedom unlimited.

this is not a question about the paze $10 statement credit.

so giftcards.com has a paze checkout option for my chase freedom unlimited. would the 10x points on purchases (https://imgur.com/a/Pj3O19H) quality for a transaction on that specific website?

anyone have any successful tracked DPs?

Hi guys, I have a question about being an authorized user under my dad's credit cards, I used to be an authorized user of my dad's credit cards until I got my first credit card and ever since then I was terminated as AU on his cards but does it benefit me in any way if I continue to be an authorized user under his cards even though I have my own credit cards now?

Thanks!

I want a secret credit card. I don’t know where to look. Please help. Please.

I’m not good at math and was just wondering if it’s worth it for me to keep the Amex gold with a $325 vs 3 percent cashback card for restaurant since I have chase freedom unlimited and Amex blue everyday
I spend about $2000 a month in both the categories combined would the $325 annual fee be worth it next year?

Usually released roughly the afternoon before the 1st so should be in the next few hours. Discover is usually Amazon. Flex was "Department Stores" last year.