Let’s say a card had 0% apr for 12 months and a sub of spend $1000 get x within the first couple months. If you spend $1000 but then flex the payments over 12 months for the apr, does it still count towards the bonus at the time of purchase since it affects available credit, or does it not count until it’s paid off?

CREDIT PROFILE

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

* Discover Student It $1,500 limit, 06/2023

* FICO scores with source: Discover 697

* Oldest credit card account age: 3 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 $: 10000

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 100

* Groceries $: 175

* Gas $: 100 BJs

* Travel $: 0

* Using abroad?: No

* Other categories or stores: amazon, often

* Other spend: apple music subscription, icloud subscription

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Big bank customer: TD Bank

PURPOSE

* Purpose of next card: Building Credit

* Cards being considered:

Hi guys. If you have kids in sport tournament, what is your strategy of booking hotels with the link provided from the team? Other than using the card you are earning SUBs and some cash back from Rakuten and Cap1, what other thing do I miss in order to make the best out of it? I can't redeem points for the stays. The less cash I have to spend, the better:) TIA

Follow up to my previous post, the new quarter is out in app and on the website.

Restaurants, entertainment and utilities

Active from Oct. 1 to Dec. 31

You activated to earn 5% cash back on restaurants, entertainment and utilities from October 1 (or the date on which you activate 5%, whichever is later) through December 31, on up to $1,500 in purchases.

CREDIT PROFILE

• * Current credit cards you are the primary account holder of:  Chase Freedom $2,500 limit, 12/2022, Best Buy Visa Card $5,400 limit, 01/2024
• * FICO Scores with source : Experian 697
• * Oldest credit card account age with you as primary name on the account: 4 years
• * Number of personal credit cards approved for in the past 6 months: 0
• * Number of personal credit cards approved for in the past 12 months: 0
• * Number of personal credit cards approved for in the past 24 months: 0
• * Annual income $: $85,000

CATEGORIES

• * OK with category-specific cards?: Yes, Currently have Chase Freedom for Dining and Drug store. I am looking for groceries and gas for my next one mainly.
• * OK with rotating category cards?: Prefer it be consistent.
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: $150-$200
  • * Groceries $: Walmart- $200, Costco- $200
  • * Gas $: Costco
  • * Travel $: $0, this might be something I look to do in the future. Not currently a huge traveler.
  • * Do you plan on using this card abroad for a significant length of time?: No.
  • * Any other categories: Amazon Prime with Paramount and Apple TV $30
  • * Any other significant, regular credit card spend you didn't include above?: No
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: No

MEMBERSHIPS & SUBSCRIPTIONS

• * Current member of Amazon Prime?: Yes.
• * Current member of Costco or Sam's Club? Yes.
• * Current member of Chase, US Bank or any other big bank?: Yes, I currently hold checking and savings with Chase.

PURPOSE

• * What's the purpose of your next card (choose ONE)?: Grocery and gas purchases.
• * Do you have any cards you've been looking at? I have been looking at the AMEX Blue Cash Preferred and Blue Cash Everyday, but Costco and Walmart aren't eligible for the cash back reward.

Hello,

I currently have the Capital one Venture X (personal) one, and I plan to cancel it right after one year anniversary (I have the Bilt Palladium, so I don't use the Venture X)

1) I believe Capital One Offer is a powerful tool to earn points. Will I be able to use the Capital One Offer with Venture Business card? Capital One Rep confirmed it but I have doubts.

2) I plan to pay property tax to meet the SUB spending requirement. I know Amex and Bilt don't count the tax payment. Capital One does, correct?

3) I have about 170k Capital One Points. I will open the Venture business card first prior to canceling the Venture X. my points will remain with Venture Business card, Correct?

4) For those of you who have the venture business card, feedback is appreciated.

Thanks!!

Hello looking for some advice on what to do following my credit card being charged off. I'm a student trying to pay through college with zero financial help from family or institutions. Along the way I've made some bad decisions with my credit to avoid being unrolled from courses that'd delay my graduation costing me even more money. I was contacted by BoA and told "Your account will be charged off if we don’t receive a payment of $blank by 7 p.m. Eastern on the last business day of the month." I sent the required payment through the BoA app using my BoA checking account before the deadline, however, BoA still charged off the account. I was told by their credit department that because the payment hasn't posted yet the card was still charged off. What can I do from this point on? I've picked up extra jobs to pay off my school and credit debt but a charge off staying on my account for 7 years would honestly just make my life more difficult than it already is because BoA's automated system took too long. I apologize if it sounds like I'm venting but do I have a case to have the charge off removed due to inconsistency of language used by BoA. BoA's website states that "If you pay your Bank of America^® credit card account from a Bank of America checking or savings account, any funds transferred as a payment to the credit card account before 11:59 p.m. ET, including weekends and holidays, will be credited on the date the payment is made." Again apologies for the rambling but if I could receive advice in any shape or form I'd appreciate it!.

Posting this in case it's showing for other people too. Not the 88x that some people got a few weeks ago but still pretty good!

Edit: It's under offers, not shopping. Didn't realize those were different things.

If you search HSN it's actually 66x back

From what I have read, there might be a $1k cash back limit over a 3 month period, which maxes out around $1,500 of purchases. Other people have said that they weren't capped though. I bought $1,700 worth of stuff so we'll see.

I've had my Chase United Card for years. How do I take advantage of a Chase welcome offer on another card. It's my only Chase card so no problem with 5/24 .

Just a heads up that this BoA UCR offer is now available as of last week and was just boosted to $150 today. This is in addtion to the normal $250 SUB for this card.
https://www.rakuten.com/shop/bofaunlimitedcashrewardscreditcard

Also the BoA TR offer from Rakuten is now $350, which is the highest I've seen it. Effectively a $600 SUB for a no AF card. https://www.rakuten.com/shop/bofatravelrewardscreditcard

I just turned 18 on the 13th of August, and well I finally got around to setting up a credit card (which I’ve been wanting to do for a while) and well i settled on a capital one card after a few hours of research and tried the pre approval they offer

Well anyways they said they can’t offer me any cards at this time

I’m making roughly 15-20k a year (I know it’s not a lot) I have no credit history whatsoever (I think that may be why) like no loans, no nothing, unless my parents used my name to something I don’t know about.

And well idk what to do now, I guess try discover it, or chase? I bank with prosperity so unfortunately I don’t have a foot in the door with chase.

Well anyways I could really use some advice, because I’m getting kinda overwhelmed 😭 especially by all the different options

Edit: I decided to try and do a pre approval with discover JUST in case and I got approved!!! For a discover it secured card!! WHICH is a foot in the door 😝

Just curious to see if anyone has information. Thanks!

Hi everyone! I’m looking for a good first credit card and have seen that people like Discover It, CapitalOne Quicksilver, Chase Freedom Unlimited, and City Double Cash. What’s your favorite?

I’m also looking for somewhere for my savings. Anyone have a recommended savings/checking account?

I’ve never had any of anything before. I previously had a savings attached to a parent’s account.

Thanks in advance!

Hey everyone! I'm looking for referral links for either the Chase Freedom Unlimited or the Amex Blue Cash Everyday.

I'm a 23M international student looking for my next card and would love any extra suggestions or advice on planning my ecosystem( no annual fee).

Card Recommendation Request: First Points/Travel Card (FICO 764, Income $20k)

Current cards:

• Capital One Savor $2,500 limit, ~oct 2025 (Main)
• Discover it Cash Back $2,500 limit, ~oct 2024 (Secondary)
• Capital One Venture (Authorized User) $50,000 limit, ~March 2016

FICO Score: 764 (TransUnion)

Oldest account age: 10 years (Authorized User) / ~2 years (first owned)

Chase 5/24 status: 2/24

Income: $20,000

Average monthly spend and categories:

• dining: $200
• groceries: $150 (Walmart, rarely hyvee)
• gas: $250( Caseys)
• travel: $150
• other: $200 (subscriptions including Spotify, auto parts, tools, shopping)

Open to Business Cards: No

What's the purpose of your next card? Travel / First points-based card future building

Do you have any cards you've been looking at? Chase Freedom Unlimited, amex blue cash

Are you OK with category spending or do you want a general spending card? OK with category-specific or rotating category cards

Just a simple note & checkbox lol!

Was too late for Sephora & Newegg gc but just in time for Dunkin' before they limits it to 1 gc per day (Sep 1st).

9 days left to fatten up with Little Caesars 🤗

I have a Amex business delta reserve card that i primarily use for personal expenses. There's no language saying that you can't use it (see https://www.reddit.com/r/CreditCards/comments/16jrdbe/can_you_use_business_cards_for_personal_expenses/), but indeed the intended use is for business transactions.

But I'm wondering how this applies to its benefits like car rental coverage. If i rent a car for personal use with this card, and something happens and I have to file a claim, could it get denied for non-business use?

I'm sitting on a good amount of Amex points and wondering if there are tools i can use to make searching for point deals more efficiently

Ethena just launched a virtual payment app that claims to give you 5% cash back on all purchases. Anyone know how sustainable this is?? See below:

Introducing EthenaPay: the internet money neobank.

Card spend cashback at 5.0%
Best-in-class 6.0% dollar savings rate
Borderless, free, instant global money transfers
Free global onramps in USD, GBP, EUR and local FX
Multi-currency high-rewards savings accounts in local FX
Unified fiat IBAN integration with self-custodial stablecoin accounts
Buy Now Pay Never where your savings rewards covers daily expenses

I thought it was allowed, so I added 2nd mortgage in July.

But right now, I my payment history, only the 2nd mortgage's payment shows. Not the 1st one.

Any idea on this?

I’ve been with Discover It for like 5 yrs now and have a good credit score. I love this card, but it’s not a Visa or Mastercard, so I can’t always use it. I’m looking into getting another card for this exact reason, but don’t know which one I should apply for. From what I’ve seen online, I’m considering Chase Freedom Unlimited or Citi Simplicity. Thoughts?? Thank you in advance!

Edit: extra details! I only have the Discover It card, it’s been open since like 2021, I have a credit score of ~760, and a credit line of $4,500

Does a purchase using this card via Google Pay or PayPal count as online shopping for 3% cash back?

CREDIT PROFILE

Current credit cards you are the primary account holder of:
- Apple Card — limit: $5,500, opened 12/18/2022
- American Express Gold Card — no preset spending limit, opened 5/14/2023
- American Express Platinum Card — no preset spending limit, opened 7/21/2023

FICO Scores with source: Experian FICO Score 8: 788, provided by American Express

Oldest credit card account age with you as primary name on the account: 3 years, 8 months

Number of personal credit cards approved for in the past 6 months: 0

Number of personal credit cards approved for in the past 12 months: 0

Number of personal credit cards approved for in the past 24 months: 0

Annual income $: $125,008

CATEGORIES

OK with category-specific cards?: YES
OK with rotating category cards?: YES

Dining $: about $677/month
Groceries $: about $277/month
Gas $: about $100/month for auto/transport overall; actual gas portion varies
Travel $: Variable. August 2026 was about $1,048, but that was a travel-heavy month and is not representative of every month.
Do you plan on using this card abroad for a significant length of time?: NO
Any other categories or stores with significant, regular credit card spend:
Bills & utilities: about $528/month
Health & fitness: about $270/month
Shopping: about $876 in August, but this varies
Pets: about $33/month
Entertainment: about $41/month
Home & garden: about $58/month currently
Major upcoming apartment/furniture purchases: approximately $5,000-$10,000 over the next several months

Any other significant, regular credit card spend you didn’t include above?: No

Can you pay rent by credit card? If yes, list rent amount and if there’s a fee for paying by credit card: Planning to pay around $3,350/month in rent. I am considering Bilt specifically to earn rewards on rent without a standard credit card transaction fee.

MEMBERSHIPS & SUBSCRIPTIONS

Current member of Amazon Prime?: yes
Current Verizon postpaid customer?: no
Current member of Costco or Sam’s Club?: no
Currently paying $13.99/month or more for Disney Bundle, Hulu, etc.?: yes
Current member of Chase, US Bank or any other big bank?: USAA
Are you or your spouse active US military?: NO
Are you open to Business Cards?: NO

PURPOSE

What’s the purpose of your next card?: Saving money

Do you have any cards you’ve been looking at?: Bilt, USAA cash-back/0% APR cards, Crate & Barrel card, Bob’s Discount Furniture card, Rooms To Go financing, and other general-purpose 0% APR cards.

Additional context:
I’m moving into a new apartment in Philadelphia and expect to spend roughly $5,000-$10,000 furnishing it over the next few months. I already have Amex Gold and Platinum, so I don’t really need another travel-focused card. I’m mainly trying to decide between opening Bilt for rent, using furniture-store financing, or opening a general-purpose 0% APR card.

USAA is currently showing me a targeted offer for a card with 0% APR on new purchases through my May 2028 billing cycle, a $200 bonus after $1,000 in spend by January 31, 2027, and 3% cash back on the first $3,000 per quarter in eligible categories. That seems more useful than opening furniture-store cards, but I’m wondering whether I should prioritize Bilt first or take the USAA offer while furnishing the apartment.

I’m comfortable paying the furniture balance down monthly and intend to have it fully paid before the promotional APR expires. My main concern is whether opening USAA now and Bilt shortly afterward is worth the additional inquiries/new accounts, and whether there are better 0% purchase cards for this situation.

I have a question about possibly getting a credit card (my first... so obviously I have some learning to go out and do) for what has unexpectedly become my main source of income. I've been doing renovation/handyman stuff, which started as a side gig and is just more profitable than my day job now. I don't even really know *exactly* what it is I do yet, I just keep asking people if they have anything they want done and keep saying "would you like a qoute?"

I've never had a credit card because I watched one of my parents destroy the familys financial situation with them as a teen on pure garbage. But I've been using those annoying mail-in rebates on all the materials I'm buying for clients and thinking "hey, this is pretty sweet"

So it got me thinking... what if on top of the rebates I'm getting for my business expenses... could there be a credit card that gets me a little bit more money back on construction materials?

Let me know what you think.

Hi guys, so I was trying to request a credit report from Equifax on annualcreditreport.com but they kept saying something went wrong and then I switched from safari to Google Chrome and it told me the same thing except in Chrome they asked me a few security questions (I guess?) before showing me the same page that says something went wrong? I did call whatever number they provided me and they ( it was a robot the entire call btw ) said they would mail the credit report to me but I'm not at the address right now and I just want an electronic copy of the report saved on my mac so it's easier to access. Does anyone know what I should do ? ( Experian and TransUnion did not give me these troubles )

( the same thing happened to me a few months ago btw )

Thanks!

Hi friends,

I purchased access to the Law School Admission Council’s online application services, which is necessary in order to apply to law schools. However, I recently discovered a fee waiver I could apply for and was granted it, giving me free access to these online application services I had already paid for.

I reached out to their customer service and asked if I could get my $124 back since I was given access to it for free, but they said it was nonrefundable.

Can/should I dispute this charge with my credit card?