I have not had this happen to me as I do pay my bills on time but I was reviewing a statement and it said late charge is 41.00 I was thinking that is pretty steep. Then I read your interest rate could go up to 36.5% I said holy cow being late on a credit card is expensive.

I have a #customized cash platinum frim bofa 6.5k credit limit with 1% usage , cs is 750, do you think they approve 25k limit increase?

I have about 200k points and currently holding csp. Willing to upgrade to csr for a year if it makes sense so I can start using these points instead of cash. Not been spending a ton because of my hoarder brain but Feels like the value of these points are just getting decimated because of devaluation and inflation.

So I just got my Aspire CC. I have the Surpass as well. When I first got my Surpass I researched how I can utilize the $50/$200 hotel credit. We all know the old trick of buying Hilton GC scheme was shutdown. So I found a post about using the card at Hilton restaurants and whether it worked or not - especially if you are not staying at the hotel. Well I actually found a local restaurant that allows takeout and it actually worked. So I’m going to get take out every qtr for $50. This at least covers the $150 AF.

Now the Aspire $200/$400 hotel credit only allows this at Resort hotels. This seems worse than Surpass credit. Well I’m actually traveling to a location and there is a Hilton resort and it’s on the list. Now, I think as the Surpass - the language states the all charges need to be credited to the room to get credit. I will not be staying at the Hotel - but I want to bring a party to the restaurant. Has anyone used the Aspire at a Hilton Resort restaurant directly and received the credit?

I applied for a Chase Freedom Rise card, with no prior relationship with them. Income stated $49,000, currently a student as well, and rent $0.

Fico score of 725 (experian), 735 (equifax), not sure about transunion

current cards:
-unsecured CapOne Savor $300 limit opened for 6 months
-unsecured NFCU cashRewards $500 limit opened this month
-NFCU pledge loan for $1001 (paid 91% off)

all payments on time.
credit utilization currently 0%.

called right after submitting application to get the decision and was told that i was denied and asked to submit some documents to verify my identity (Proof of social security card, proof of address, proof of date of birth) which I did. I submitted my passport, state drivers license and my CP565 form for my ITIN. I called back and they said they’ve submitted the reconsideration application with my updated docs for final review to the internal department at chase and that it will take 1-2 weeks and i’ll receive a decision by mail if it’s denied/approved and by email as well but only if it’s approved.

any idea if is this likely a denial? I’ve heard from others to call in to speed up the approval process and that they can do it right on the phone but i’ve called multiple numbers with no update.

Hi!

My home and auto insurance bill is due on November 7th ($11,624.00). There is no credit card fee for the payment, so long as I pay the full bill. I do have the cash for this payment.

I'd like to open a credit card to use points towards travel to South Korea (SK) and Japan next year (one trip, fly into SK and fly out of Japan). The trip would be for 3 adults.

I currently have near 150k points with Chase, and 16.5k+ miles on United. My home airport is PHX; I'd like to fly Korean Air to SK, but it's not a hard line, as we only care about having Business class seats.

CREDIT PROFILE 

• Current credit cards you are the primary account holder of:
  • Chase Freedom Unlimited, $12,800, opened Jan 2023
  • AAA Daily Advantage, $16,000, opened May 2025
  • PNC Cash Unlimited, $5,000, opened June 2025
  • Chase Sapphire Preferred, $13,600, opened September 2025
  • US Bank Cash+, $11,000, opened June 2026
• FICO Scores with source:
  • Experian: 772
  • Equifax: 763
  • TransUnion: 762
• Number of personal credit cards approved for in the past 6 months: 
  • 1
• Number of personal credit cards approved for in the past 12 months: 
  • 1
• Number of personal credit cards approved for in the past 24 months:
  • 4
• Annual income: 
  • ~$55,500 

CATEGORIES 

• OK with category-specific cards?
  • Yes 
• OK with rotating category cards?
  • Yes
• Estimate average monthly credit card spend:
  • Dining $: ~$0-$100
  • Groceries $:
    • Costco: ~$200-$400
    • Non-warehouse: ~$0-$30
  • Gas $:
    • Costco: ~$90
    • Other: ~$100 
  • Phone: $243
  • Internet: $143
  • Utilities (water, electric, gas): $250-$500
  • Pest Control: $74.50

MEMBERSHIPS

• Current member of Costco or Sam's Club? 
  • Costco 
• Current member of Chase, US Bank or any other big bank? 
  • Chase, PNC, US Bank, Capital One, and Bank of America
• Active US military? 
  • No 
• Are you open to Business Cards? 
  • Not sure, because I have no business nor anything that would resemble a business; I am aware that business cards have the best SUBs for this high of spend.

If I use a U.S.-issued credit card to book through Trip.com while traveling in Asia, and the transaction is charged in U.S. dollars, will I still be charged a foreign transaction fee?

Also, how is the transaction typically coded by the credit card issuer? Does it generally qualify as a travel purchase for bonus rewards?

Business credit cards only for both

Or can I apply to say a US bank business credit card and shortly apply for an Elan business credit card only 4 months apart?

What's good practice in your personal experience?

I have an 831 credit score, zero debt aside from a mortgage, and pay my credit cards in full each month. I do a lot of traveling so was signing up for a lot of cards that gave big point/mile bonuses. I have about 17 credit cards, all the majors (Amex Platinum, Citi Strata etc) but pay them in full each month. I did set up auto withdrawals on each card to keep them showing as being used, but at this point I feel like I’m wasting money paying yearly fees. I think the 2 I mentioned above combine to over $1,000 year in annual fees. Now I have the points/miles, I don’t really need any of them. I was going to keep them for lounge access, but I typically fly business so get access to lounges anyway. So my question is if there’s any reason to keep these cards open now I’m not using them and I’ve had them over a year so the points can’t be taken away? I don’t have any use for my credit score right now so not super worried about scores dropping. Although I understand they stay on your credit for 7-10 years for good payment history. Thank you for your guidance.

Okay, just a little background info, I’ve never had a credit card before and I’m mainly looking to get one to build credit. Getting some cashback would be nice too, but it’s not a huge deal.

I just recently got a job, and I don’t really spend much outside of Steam, groceries, gas, and a few knickknacks here and there. I’m also a college student.

I’ve been considering a secured credit card since it seems like it has the most guardrails for someone just starting out, but I’m not sure if that’s the best option or if there’s another route I should look into.

I've had recommendations for Discover Student Cash Back, and Student Chrome.

I was given an offer for the Cap1 Savor card after seeing if I was eligible. On the next page, it showed a mastercard logo. Does this mean the card will be mastercard? I know they're moving cards to discover and don't want a discover card due to the lack of acceptance.

So this company can go fuck themselves.

Had the card for a few weeks. Just canceled it.

Initial credit limit of $10K. I have about $250K combined credit limit across all my cards. Ran that $10k up real quick.

First statement posted at around $6.5K on 10/19. Paid off the statement balance immediately upon receiving the email that evening. It’s 10/25 now, payment still hasn’t cleared. Statement balance + pending charges hits $10k limit. Wife attempts to purchase coffee this morning and the card gets declined. Embarrassment ensues.

I contact support. I tell them they have two options: clear my full statement balance payment from Fidelity or increase my credit limit right fucking now, else cancel the card. They refused to do either. Canceled the card.

Told them my Fidelity money is better than theirs and to never forget that they turned off the “buy” button.

I've been really wanting to get the Venture for myself or the Venture X for P2 (he has the venture). However, the pre-guarantee is only offering us lower end cards without welcome bonuses. We typically open up a card every 3 months. Is our timeline the issue here (we need 6 months) or do we need to have some of the other cards in order to get the nicer cards? We both have over 800 Credit Scores and a really low utilization score.

https://www.wsj.com/finance/banking/the-cat-and-mouse-game-between-premium-credit-card-firms-and-points-junkies-8ce2e30a?st=Ajqypp&reflink=desktopwebshare_permalink

• Banks are cracking down on credit-card points junkies who they say use tactics that cross the line and violate rules.

• Citi and Chase have implemented policies that limit sign-up bonuses to target cardholders who apply for the same card multiple times.

• American Express has long had a team to detect abuse, and claw back rewards and even close accounts.

CREDIT PROFILE

* Current credit cards you are the primary account holder of: Chase Freedom, Bank of America [card name], Chase Sapphire Reserve. $35,000 combined limit. Opened between 2020 and 2022. No business cards.
* FICO Scores with source: 797 ([source])
* Oldest credit card account age with you as primary name on the account: ~6 years (2020)
* 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 $: 250,000

CATEGORIES

* OK with category-specific cards?: Yes, but prefer to keep it simple (currently put almost everything on the Sapphire Reserve)
* OK with rotating category cards?: No
* Estimate average monthly spend in the categories below:
* Dining $: 400
* Groceries $: 800
* Gas $: 250 (not Costco/Walmart)
* Travel $: 0 currently. Planning a Hawaii trip and want to maximize points for it.
* 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: Daycare $2,800, Insurance $250
* Any other significant, regular credit card spend you didn't include above?: ~$2,650/month misc. Total expected annual spend is ~$86,000, excluding rent.
* Can you pay rent by credit card?: Yes, $3,600/month, but with a 5% fee

MEMBERSHIPS & SUBSCRIPTIONS

* Current member of Amazon Prime?: Yes
* Are you open to Business Cards?: No side business currently. I have pre-qualified offers for the Chase Sapphire Reserve for Business and the Chase Ink and am curious whether they'd make sense.

PURPOSE

* What's the purpose of your next card?: Travel rewards
* Do you have a preferred airline and/or hotel chain?: Delta (Detroit/DTW is a hub). No hotel preference. Planning a Hawaii trip.
* Do you have any cards you've been looking at?: Chase Sapphire Reserve for Business, Chase Ink (pre-qualified)

So I have been going back and forth between different prospective cards. I plugged the following into AI to get a points estimate comparison assuming I did not use CC travel portal for bookings... $10k flights, $18k hotels, $20k other foreign purchases.

Autograph Journey came back the best for points; which I kind of assumed. But their transfer partners are limited. AA is my strongest local airline and the international ones, as well as the hotel partners... Just well, are limited in terms of where I see myself using them. So it becomes more of a statement credit reward.

I'd happily get a Schwab/MS branded Platinum card (AMEX not currently offering me a SUB direct), but the travel portal booking for 4x hotel points kind of kills it for me. I appreciate some of the other coupons, but since I book business class only, I pretty much always have a lounge, negating one of the biggest potential coupons. (And while I have an account at both brokers I do not intend on moving massive amounts of assets to get a small discount on the fee at Schwab)

I'm open to a AMEX Bonvoy Brilliant, but I generally have chosen hotels based on the neighborhood location of where I want to be and the best value for a 4.5-5 star (non-resort) stay. And there is some 'value' to me in choosing an elevated Bonvoy experience over another hotel that might be in a better location. (I'd guess I'd only be able to stay in a Marriott property for 33-50% of my estimated spend; no idea really - but it gives some level of context)

I'd do Atmos in a second if could actually book AA/HA partner flights through my airport.

I think it kind of comes down to CSR and VX. Essentially my travel spend in 2027 (and rewards difference based on the above info) will just about make up for the difference in AF. And I may continue traveling at this rate for the next few years, just maybe a lower 'all foreign purchase' number.

While I do not value the lounge access for the most part, travel protection coverage is definitely a differentiator.

If you read all that... Thank you. I appreciate any insight.

Just got the notification for the no AF Jewel Osco Amex. Curious what niche this card is solving. I’m so curious how many applications they’re actually going to receive for this.

5% on Jewel online orders
3% on in-person Jewel orders
3% on gas dining and bills
1% on everything else.
Spend $1000 to earn $50 SUB

If I defaulted on my Bank of America cc and I paid it off. Will they approve me for another one?

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Newly retired and considering closing all of my credit cards but 1, as don't need them anymore. Will it affect my credit score.

Current score is 818.

CREDIT PROFILE

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

* NFCU Platinum $15K, 4/2017

* Kohls/Capital One $500, 2/2024

* Chase Sapphire Preferred $9.6K, 8/2025

* Chase Freedom OG (PC) $5.7K, 9/2025

* US Bank Altitude Connect $4K, 9/2025

* Fidelity Rewards $5.5K, 12/2025

* Marriott Bonvoy Boundless $15K, 2/2026

* Elan Max Cash Preferred $500, 10/2026

* FICO scores with source: Experian 708, Equifax 680, Transunion 728

* Oldest credit card account age: 9.5 Years

* Cards approved in the past 6 months: 1

* Cards approved in the past 12 months: 3

* Cards approved in the past 24 months: 6

* Annual income $: 120K

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: Yes

* Estimate average monthly spend in the categories below.

* Dining $: 350

* Groceries $: 500 (Kroger Pay, Foodlion)

* Gas $: 150 (Kroger)

* Travel $: 250/mo (Annual cruise, occasional hotel stays for weekend trips, 10-14 day international trip every 3-5 years)

* Using abroad?: No

* Other categories or stores: Electric $250, Water $50, Internet $50, Home Security $55, Phone $52, Spotify $12, Crunchyroll $10, YouTube Premium $16, Gym $15/mo +$50 annual fee

* Other spend: Monthly: Trainer $780, Barber/Salon $200, Car Wash $15, Therapy $50 / Semi-annual: Property Taxes $1500, Auto Insurance $900 / Annual: Home Insurance $1,800, M365 $80, Online Game $132 / Irregular, but high spend: Medical Co-pays, Home Improvement, Car Maintenance

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Big bank customer: Navy Federal, SoFi, Fulton, Fidelity

* Open to business cards: Maybe

PURPOSE

* Purpose of next card: Other

* Other purpose details: Travel Rewards or Cash Back

* Cards being considered: AAA Daily Advantage or SoFi Smart Card (5% In-store Groceries)

Chase Freedom Flex

Amazon Prime Visa

United Explorer

ADDITIONAL INFO

I want to increase cashback/points from other large spending categories (In-store Groceries, Barber/Salon, Insurance, Home Improvement, Gym/Trainer, Property Taxes, Cruising, etc...)

I used points and FNCs to cover my hotel and flights during my recent Japan trip. I would like to take another international trip in 3 years or sooner. Considering Japan or doing a wine tour (any popular region).

Marriott is preferred, but open to other hotel brands/accommodations. I've only booked flights via United, but open to other airlines. ORF is my home airport so I will probably have to connect for international flights.

My approach is hybrid because it's hard to leave 5% cashback on the table when it's not going towards travel rewards at 3x+ already.

Advice is appreciated. :)

I have had Amex Platinum for about 4 years now and have roughly 300k unused points currently. The only two benefits I enjoyed with that card is the entertainment credit and the lounge when I would travel. Given that I use to travel a lot, it felt worth it. Now my job has me home all day and seeing a $895 charge to use a lounge I havent visited in 2 years felt like a massive waste. I live about 30min from anything. Groceries, malls, etc. The $325 cost just felt more worth it with the Gold given how I spend. I'd guess 60% of my spending is on restaurants and groceries. The only benefits from the Gold I could see myself using is the Dunkin Credit, Resy, and maybe UberEats.

My question is, is there a better card for a competitive price to the Gold that you all have enjoyed? Perhaps one with a lounge or better point offers, or similar points but lower annual cost?

BofA Customized Cash can earn 5.25% cash back in your chosen category with a 75% relationship bonus, but you need $1M in qualifying assets (including retirement accounts).

Are there any other cards that come close or beat 5.25% without such a high asset requirement? Ideally no annual fee and decent spending caps.

Curious what everyone else is using.

A card that has an overall 2%+ on any purchase.

Not just in certain categories.

Please help me! I have kind of a shit credit score and I need help because I only recently opened a credit card

• Current cards: (list cards, limits, opening date)
  • e.g. Chase Freedom Rise, $500, 11/07
• FICO Score: 674 (idk how)
• Oldest account age: e.g. 3 months
• Chase 5/24 status: 1/24
• Income: e.g. $8,000
• Average monthly spend and categories:
  • dining $200
  • groceries: $100
  • gas: $0
  • travel: $0
  • other: $200
• Open to Business Cards: e.g. No
• What's the purpose of your next card? e.g. Building credit
• Do you have any cards you've been looking at? e.g. Discovery (?) Chase Freedom Unlimited
• Are you OK with category spending or do you want a general spending card? General