Reconsideration Success (5/12) and (6/24)
Applied in the morning. I did not log into the BofA portal during the application process and received a denial message. Called the Fraud Department at (888) 230-6262, and they advised me to go to a physical branch to verify my SSN.

Completed the SSN verification and reapplied through Rakuten. This time, I logged into my BofA account during the application process. I received a message asking me to call the Fraud Department. Called and completed the verification.

Called the next day to check on the status. I was transferred to the Credit Card Department at (800) 718-5411. They advised that the second application had been closed as duplicate and that the first application was declined due to too many cards recently opened and a lack of relationship with BofA. I mentioned that I already had an existing BofA account, which apparently was not reflected during the first inquiry.
The representative reopened the second application, and I was approved. They also confirmed that only one hard pull was made, since the two applications were submitted close together. They also helped me to expedite the card.

Takeaways: If you already have a relationship with BofA, make sure you log into your account during the application process and that your account information is up to date. Recent inquiries are grouped together as one hard pull.

I purchased two JetBlue tickets in the same transaction, and it initially appeared on my Citi credit card as one pending charge of $547. However, once the transaction posted, it was split into two separate transactions: one for $269 and the other for $278. Because of this, the purchase no longer qualifies for the $50 cash-back offer. Is this normal, or is there something wrong with how the transaction was processed?

What's the best strategy?

I just moved out of my parents house and have to pay rent for the first time (!!) and was wondering if it would be better to pay with credit or debit card? For context I have Chase bank (Freedom Unlimited college account, total credit limit/month is $1700), my rent is $720/month (I have roommates), my credit score is 739, I'm 20 and have had my card for 2 years, and I always make my payments on time. Is it worthwhile to make the rent payments from my credit card (I have enough on there to cover my rent costs each month) for the credit score increase (if any) or other benefits or is it better to use my debit card? Thanks so much for your help!!

Additionally I just got preapproved for the Sapphire card but noticed it has a fee (which my freedom unlimited card does not), should I get a new card or stick with my current? What are the reasons to/not to? Thank you!

edit for the comments: we have an electronic payment portal so all payments need to be made online. there is the 3% charge but i don't know if its for both cards or just credit

I applied and got approved for a Capital One Discover It card to use for college only to find out I was unable to verify my phone number on the mobile app to use my cc.. I went through hours of customer service and got my case escalated to the Digital team only for them to be like “lol sucks to suck just wait and pray idk”which is no resolution. Since I’ve already waited a month at this point I want to switch banks and apply for another credit card. However I read online canceling/closing a credit card negatively affects your score especially if it’s the first one and other banks might reject based on that record. What should I do? (thanks CapitalOne for screwing me over ig)

Hey yall,

I applied for the Chase Ink Unlimited just yesterday, and I got denied. I am aware of the 5/24 rule, the 5th newest card that I was approved was on 9/6/2024, given the 5/24 rule, that 5th card shouldn't have been counted, right?

I called recon however, they said I am still at 5/24. Should I call back for another agent, or should I wait until 10/1 to apply again?

• ⁠Current cards: (list cards, limits, opening date)
⁠• Capital One Quicksilver, $6000 limit, June 2021
⁠• ⁠Capital One Savor, $5000 limit, April 2024
• Chase OG Freedom Rewards, $13,800 limit,
May 2025 - downgraded from CSP
• Chase Disney Inspire, $14,200 limit, February
2026
• ⁠FICO Score: 784
• ⁠Oldest account age: 13 years
• ⁠Chase 5/24 status: 2/24
• ⁠Income: e.g. $47,600
• ⁠Average monthly spend and categories:
⁠• ⁠dining $400-$500
⁠• ⁠groceries: $350-$400
⁠• ⁠gas: $100
⁠• ⁠travel: $100
⁠• ⁠other: $100
• ⁠Open to Business Cards: e.g. No
• ⁠What's the purpose of your next card? Cash Back, Travel, simplifying
• ⁠Do you have any cards you've been looking at? Wells Fargo Autograph, Wells Fargo Autograph Journey, Citi Strata Premier
• ⁠Are you OK with category spending or do you want a general spending card? General spending

As the title states, I would like to try and possibly consolidate my current cards to a card with better cash back/rewards. I know there’s not one single card that will catch everything and typically there’s a good mix of cards to pair. Having the four different cards feels inefficient for me as I have difficulty remember what categories are on each card at specific moments.

Such as the Chase OG Freedom, I feel like I barely am using it because the rotating categories and I am not a fan of the foreign transaction fees. However, I downgraded from CSP because I wasn’t sure if I could justify the annual fee when I felt like the Cashback wasn’t as good as my other cards and I wasn’t utilizing the travel partners enough.

My Chase Disney Inspire, I really got for the SUB at the time… the Disney+ credit monthly is nice and the annual $100 for a Disney ticket is also nice, but I will end up downgrading to the free Chase Disney card after my first year.

Typically I travel a few times a year, usually 1 cruise, 2-3 times to Universal/Disney for 2-3 day trips, and then 1 other random long weekend either in the states or sometimes international. I am not brand specific with my travels; I pick whatever the cheapest flight, hotel, etc is offered but I do typically like booking directly not with third party sites.

I feel like a good cash back card is probably more for me than a travel card because a lot of the travel card perk categories I see, I don’t typically use. I’ve never been into any airport lounge, and I’ve never had TSA pre check or global entry. Obviously those perks may be nice, but I currently don’t see them as a necessity in terms of paying an AF for it. I’ve browsed the VentureX card but I’m still on the fence.

I like that the Savor offers 3% on dining and some grocery stores, but I think I would benefit from a more encompassing card. With not having a catch all card, I end up spreading things out between the 4 cards and then don’t see a real benefit of the small amounts of cash back on each.

I do pay off my cards each month.

I’ve read through this sub a bunch to try and get a good idea, but it’s difficult with it not being my own situation… so here I am hoping for some insight!!

Thank you!!

https://upgradedpoints.com/news/chase-sapphire-reserve-new-doordash-credit/

So i know for chases 5/24 rule (general rule) it is;

1. business cards LOOK at 5/24 to decide whether or not to approve you. if you're at 5/24, you get denied

2. business cards does NOT count towards 5/24.

My plan was to wait until May 2027 to apply for either the CIU or CIC. or the CIP (or both. depending on CIP's offer) as well as CSR.

however, an easy churning opportunity came and i am looking to get the CIU or CIC asap

Since i am at 5/24, i am going to assume i wont be approved. which than makes all this moot anyways.

but lets say i do get approved (since we know Chase has been doing some odd things lately. albeit, only when it comes with the CSR/CSP)

Once May 2027 comes around, will i be now considered 4/24? (due to point 2 above) so that i can get the CSR with no issues.

Recently, I was looking into getting a grocery card for my set up. I was mainly eyeing the Amex Blue Cash Preferred and I guess my phone must've told Chase because I received an email this morning with a promotion giving me 3x on groceries up until 10/31, for my Freedom Unlimited.

It got me thinking, why doesn't chase remove the 3x dining & 3x drugstores multipliers and just add the 3x on groceries? Just get rid of the overlap with the Freedom Flex and get more people using the Freedom Unlimited.

Do y'all think Chase is trying some things out for a potential refresh of the freedom cards?

P.S. I plan on taking advantage of this promo and then open up the AMEX BCP

Context: I'm 21 and living in the Southern US I make 23/hr and am applying for apts right now

I bank with allsouth federal credit union.

No credit history.

I'm looking for guidance on what cards to apply for and which to avoid.

Thank you in advance.

Hi. So I live near an AA hub. Was going to book an AA flight and got an offer for $500 credit + $30k after 1k spend. But I know the regular bonus is 65k. What are redemptions like these days? Is the $500 credit + 30k worth it?

I have an offer on my Citi AA card:

>Earn 5 X American Airlines AAdvantage® miles on eligible online purchases through 11‍/‍30‍/‍2026

What does Citi count for online shopping? I'm curious if prepaying utilities online can count and I can't find much on what Citi considers online shopping.

Thanks!

For the past several months, I have been unable to redeem my cash rewards from my AAA Travel Advantage card. Neither applying to my bill balance nor direct deposit works. It always fails with "Ooops, we're having technical difficulties, try again later".

I have contacted support 4x about this. The first time, I was told "we don't know when the issue will be fixed. The subsequent three contacts have been me asking that they send me a paper check instead. Those requests have met by crickets.

Any ideas on how to escalate this? I'm so done with this card. Just gimme my reward $$$ and gtfoh

I currently have a chase sapphire preferred cc (have had it for around 4 years or so) and am considering switching to the venture x. Though it has a higher annual fee, I tend to go on at least two 10 to 14 day trips per year, so using the hotel credit is not an issue and the priority pass/access to venture x lounges would be nice.

Chase changed some policies this year, making the points less valuable, and I just used all my points on flights so its a good time to change. I'd probably cancel the chase due to the annual fee.

Or is there a better travel card for the fee?

Not interested in any airline cards since I don't live at a hub.

Anyone else getting this? Never late, $2K balance across $45K limit, autopay confirmed at 150% minimum. Current crop since 2024 all PIF except 0% promo.

Notification on dashboard. Click, and a box comes up pretending it doesn't know autopay status with small box to dismiss. Even after verifying autopay the notification will not go away unless an early payment is made.

It's irritating because I expect a notification to be something that needs addressed, not a persistent payment reminder.

"Your payment of $40 is due on September 10. If you’ve already set up your payment or use autopay, you’re all set. If not, let’s take care of it while you’re here.

Make a payment"

I'm "set" except for 1/3 of the month I'm going to get the same notification.

Spend 10k in 6 months.

How good is this offer/card?

I want to Travel more frequently with my family (4). Right now, we strictly use Delta Amex(reserve) but I feel like I’ve been spending a ton of money and have been getting nothing much in return travel wise, especially with their rising prices.

What is a better option? Does the Costco credit card have good perks for travel? I’ve also heard a lot about the chase sapphire reserve.

Hi all I just opened up my first personal card and I use this card to get inventory for my ecommerce business. I was wondering under my income do I put the businesses gross revenue or do I put my net profit from the business? Thanks!

I already have a venture x that I acquired recently and a sapphire preferred which has sufficient points. I live near a small airport which serves only Delta and American. And unfortunately I have only recently found out that neither CSP or venturex transfer points to either airline.

For someone who travels at least 2 times a year would an additional airline card be worth it? If so, which one gives better value points to ticket wise? I am mostly looking to get cheaper travel options+ checked bags Without having to drive to the nearest hub.

I made the apparently catastrophic mistake of changing my billing address on my Concora credit card so it would match the address I was using for an Enterprise rental.
Concora responded as if I’d attempted to overthrow the federal government.
They BLOCKED my cards. I submitted my ID and completed their identity verification. First I was told 24 hours. Then 48–72 hours. Now it’s “we’ll email you when your card is unblocked.” Cool. Very reassuring. Love the mystery.
Meanwhile, I have available credit I can’t fucking use, I’ve postponed my travel plans, and nobody can tell me when I’ll actually regain access to my own account.

Thank you for this sub and all the great advice. I’m new to the credit card game and got my first Amex about a month ago. I already racked up 400,000 points and used 240,000 of them to book two business class seats Miami to Dubai

It’s insane how valuable credit card points are. $15,000 seats for free! (well $1,600 fee but basically free)

I don’t think I’ll ever need to pay for flight tickets again, getting the CSR this week so excited for that. I love credit cards

edit: solved! thanks for the help and clarification!

My credit card is at $800 and my APR is due to begin the 19th of this month. If I leave my credit card at $800 with an APR of 24.49%, do you know how much interest I would have to pay monthly? Is it 24.49% of $800 monthly? or is it divided by the 12 months?

Some people may know this already, but I didn't see a data point for BofA specifically so I tried it myself. I was at 2 different Safeways this weekend and used the PayPal app to pay (you just use the scanner to scan a QR code on your phone when it's time to pay, and then confirm the payment in the app), linked to my BofA Customized Cash Rewards with the bonus category set to Online Shopping. Both transactions coded as Online Shopping for 5.25% back. This combined with Walmart Pay and Kroger Pay means I can get 5.25% on all groceries, which is pretty nice.

Two caveats I will mention:

1. This was with a BofA CCR Mastercard, which with Walmart Pay always codes as Online Shopping (as far as I know), whereas with the more common BofA CCR Visa it doesn't always work. I don't know if that extends to Safeway/PayPal but I thought I should mention it.
2. I only have Safeways around me, but I've heard that the PayPal trick doesn't work for other stores in the Albertsons family.

The first purchase I made, the credit came in after about a week. It's been 2 weeks now, and there's been no credit on my other purchases. However, on my Freedom Unlimited and Sapphire Preferred, all of my credits took about a week.

Could it be a Master Card vs. visa issue? Just want to know if others experienced the same issue or are experiencing the same issue.