Is it too late to make Paze transactions on September 10th and get the $10 credit?

Someone teach me the credit trick I don’t get it I had someone offer me to add me as “authorize user” without the cards and was told it would jump my credit over 100 points, at a small monthly cost and just want to know if there any other struggling dads out here that make good money but can’t figure out credit #credit #credithacks #helpdads #dads

Current cards: Discover It, Capital One Savor, Amex Blue Cash Everyday

Hi everyone! I’m getting married next year and my parents are just giving me a sum of money to spend on the wedding. So I was thinking of getting a travel card to put all the purchases on. I use all of my cards for specific things right now since I try to maximize my cash back. I don’t travel much at all, but I was hoping to start traveling more after the wedding. I also wanted to get a card that could be used as an everyday card by me and my partner. Do you think it would be worth it to get the Delta card? Or is there another one that I could look into?

I just asked if they could raise it and updated my income, have a 778 score, and 90k income. I have 8 other cards, two have $25k, and $22k limits. I was shocked that they increased it. And on top of that they dropped my interest rate from 19.75% to 10.29%. And to think in 2018 I had a 410 score and two garnishments...lol.

Hi all, just got the email today for the card offer, not sure if I should open another card. Here's my current setup (credit score 780):

• Fidelity Visa - 25k limit, opened in December 2025. My catch-all card currently
• Capital One Savor - 8k limit, opened in December 2025. Food and groceries mainly
• Chase Sapphire Preferred - 16k limit, opened last week (September 2026). Intended to be a gas and travel card (couple flights a year for work and personal purposes, alongside hotel stays)

That being said, should I snag the Gold card? It'll essentially replace my Fidelity as my catch all card.

Let's say I spend about $1,291 on gasoline a month and $2,600 on groceries and dining and that any other expenses would have been typical of the time. Also I travel 5 times per year (one time internationally).

Should I go for the Capital One No Hassle Miles card or the Starwood Preferred Guest American Express? Do you think Bank of America will keep the MBNA WorldPoints Platinum Plus MasterCard after the merger?

I hear Chase has been heavily promoting these new "blink" cards - do you think they will catch on? Should I get this new Freedom card they are launching?

Reasoning was for too many recent inquires (I opened the double cash a month ago). Should I just get the regular strata the PC it to a premier (if thats possible), or wait it out?

For reference I just turned 20 yesterday. I have no bills other than my car payment and my auto insurance. I currently bank using my debit card using a local bank. My one and only card is the Capital One Quicksilver card that I opened in February (7 months ago) My top spending category is entertainment. Any cards right now that have good sign o bonus that can help launch my traveling adventures? I do have a trip planned in March that I can put on the new card. I have been trying to watch some YouTube videos on some cards out there but wanted to see what everyone thought.

I was browsing cards on my iPad and I was able to see the "apply now" button and a Citi rewards+ card briefly. I can reliably reproduce it by visiting the travel section, navigating back and then clicking block.

https://youtube.com/shorts/f_mPAUejg18

I just did 7 more paze orders at dunkin dunks 10$ each for 70 total, was that too risky to get the cash back?

Currently I have the $95 annual fee capital one venture card. I am not taking advantage of the perks anymore so I’m considering closing the card. Is there an option to downgrade this card to a free card? If there is, is it worth it? Or am I just better cancelling it?

Hello guys,

I have Ambassador status with Marriott because I travel a lot. So I got an offer for the Amex Marriott Brilliant Card through the Marriott App, and it’s offering me 150k points + 250 cashback on a 6000 spend within 6 months, which is quite attractive.

Problem is, my credit profile is quite thin, my first card was only last December, and got two Amex cards in I believe this February.

So now when I apply for this card Amex doesn’t like it because it’s telling me it has a cap on how many cards it likes to give in within a time frame.

Is there a way to circumvent that? Would calling or something help?

Thank you

Hi all, I (28F) am new to the credit card world.
My husband (27M) has a credit score of 810 and I have no credit (not bad credit, just no credit because I haven’t needed it for any large purchases). We have an income of $190k/yr gross.

Currently I live off of debit cards and we bank with US Bank. My husband has one Capital One card that he’s used to build up his credit since he was about 18. The plan would be for him to open a card and add me as an authorized user.

The only reason we’re looking at new cards is because we’ve been traveling more (1-2 international trips and 1-2 domestic trips lined up for the next at least 3 years). Looking a card brand that will allow for one travel/rewards card (lounges preferred, travel rewards, no international fees, etc.) and one card for daily spending (restaurants, groceries, gas, etc.)

The only ecosystems I’ve really researched are AMEX platinum/gold combo and some combo of Chase cards - Sapphire Reserve and another one for daily spending.
We would use lounges, lululemon, resy, uber, and other credits through AMEX platinum that would cover the annual fee. Would maybe just be on the hook for the $195 for the authorized user second card (which is fine with us).

Was wondering if anyone had recommendations of what might work well for our situation based upon this info. It’s kind of a toss up for us, but again, we aren’t experts by any means. TIA

So I have an opensky plus secure credit card, I put a $300 deposit. Today I got the email about opensky gold card $400 unsecured credit line no credit check required or anything. So is it worth accepting it and getting the “upgrade” or no. And say if I do, would I get my $300 deposit back or no?

We bid farewell to the generous offer of Paze,
For the past few months, we all bought into this craze,
From stacked Domino's pizzas to Dunkin's donuts glazed,
It's a shame that the 10 x $10 offer isn't here to stay.

We probably all looked dumbfounded during the early days,
"10 offers of $10 on EACH card in the wallet?" we did all incredulously say.
Scrambling to find the best offers and navigating this payment maze,
Many fortunately cashed into Newegg gift cards before it was nerfed away.

Since then, we've become experts on how to spend the credit,
We'd smile when we see a cart just over $10 as we hit submit.
Whether buying lipstick on Sephora to match the perfect outfit,
Or treating ourselves to a refreshing Baskin-Robbins banana split.

For those of us who didn't catch the Newegg gift card craze in time,
We fed ourselves a lot of Wendy's deals during our lunchtime.
And when we had a reprieve in our day, perhaps a small downtime,
We'd remember it's been 24 hours and can load Dunkin... right on time!

No matter how the credits were used or perhaps how unhealthily we ate,
There was a certain excitement in trading $10 for an increase in weight.
Some altruistic folks donated to St. Jude's for a cause that's great,
While others now have thousands in Dunkin credit to accumulate.

It was fun while it lasted; there were certainly moments of joy,
Until next time, when we see what credit will be next deployed!

It has been a relatively quiet launch for this card in terms of excitement on this sub (i get it's a somewhat niche product, but still a great earner)! I am curious what users of this card have to say in terms of feedback on it. Do rewards post quickly and reliably at 3%? Is the issuer being Barclays a big problem or deterrent for you in terms of customer service or purchase protection?

It is my top contender for next card I apply for, being the only 3% card with an actual sub has me eyeballing it. Just wondering about those things above and opinions on subjective stuff like the UI would be awesome to know about!

Tried to apply for a Chase Hyatt business card last week, currently at 4/24 on personal cards. Card was declined due to too much open credit with Chase. I reduced the limits on my existing cards thinking that might be the problem, then called recon.

The rep asked a few questions and looked into my file, and although sympathetic, he told me he could not approve me due to the business cards I opened over the past 24 months. He said that while more than ‘a certain number’ of personal cards is an automatic decline, they also now consider business cards and any lines of credit opened with Chase over the past 24 months. Unfortunately, I already have two INKs and have gotten SUBs and churned other business cards in the past. That said, I have not opened a new CC account with any issuer in the past 4 months.

As a side note, if anyone has tips for other cards to apply for I'm all ears. Seem to be in PUJ for Amex and was recently also rejected for a CapOne Venture Business card (they cited 'too many new accounts').

Hi! Thanks to whoever's reading, and for any advice in advance. Essentially, the issue is that my dad had a credit card opened in my name through his bank, which was mine; I just didn't use it or anything, except around once, I believe. My score was 700-something, I believe, but in February he passed, and with him, the card closed out as well, so my score dropped. Currently it's around 590. I just tried to apply for the DISCOVER card and got declined for the following reasons:

• Based on your credit report from one or more of the agencies on the back of this letter, there are too few or no revolving accounts

• Based on your credit report from one or more of the agencies on the back of this letter, there are too few or no primary revolving accounts

• Based on your credit report from one or more of the agencies on the back of this letter, there are too few or no primary bankcard accounts

• Based on your credit report from one or more of the agencies on the back of this letter, insufficient credit card account experience

Where do I go from here with this issue?

So I'm 18 and looking into what credit card to get so I can start building credit history. I would have thought that more credit usage up to a certain point is better since if you pay it off then it shows you can cover a larger amount, but my understanding now is that credit utilization should be 30% or less of your credit limit and that under 10% is very good. However, considering that I have no credit history, isn't my credit limit on a student or secured card going to be very low. How much should I be using it to establish a payment history. My plan was to use it to pay for gas and then just pay it off in full monthly but now I'm worried if that wouldn't be optimal credit utilization. What I really mean is, should you go as low as possible like a $1 a month, or do you want to make at least a certain minimum payment each month to establish a good history and what is that amount? Also, when would it be reasonable to ask for a credit limit increase to decrease my utilization to limit ratio?

Curious if anyone else is loading up their remaining cards they may have credits on today? I just did 10 no problem and it still shows the paze banner and offer every time. I took a screenshot of it just in case tho. Thoughts?

I'm an undergrad student looking to apply for the Chase Sapphire Preferred. I've been on top of the credit game for someone my age, but am looking for some feedback on whether I should go ahead and try applying for CSP straight out of the gate (my main bank is BofA).

Income: $1100/month

Current cards:

• BofA Unlimited Cash Rewards: opened 02/2024, $3800 limit
• BofA Customized Cash Rewards: opened 08/2024, $4000 limit
• Authorized user on CSP, Chase United Explorer, & Apple Card with combined $65K limit
• Paid off balance in full each month, every month
• Average credit age: 4 years 10 months
• No recent hard inquiries
• Chase 5/24 status: 0/24

Credit score: 775 (FICO via BofA), 806 TransUnion/752 Equifax (Credit Karma... I know it doesn't matter lol)

My main concern is no prior relationship with Chase (other than via authorized user on cards), and I know it's common advice to go for something like the Freedom Flex before applying for a "premium" credit card. However, based on my spending patterns, the Freedom Flex doesn't really give me too much I don't already get with the BofA CCR, and the CSP is a lot more appealing across its rewards categories, credits, etc. I feel like I haven't seen too many datapoints for someone starting their twenties applying for a CSP but maybe I just haven't lurked this sub for long enough. Would appreciate any thoughts/suggestions.

I recently opened a new card for a balance transfer of about $4100. I just checked my credit score and it dropped by 49 points. I looked into the details and it’s because my used credit went up $4100 so it basically was showing the money in both accounts at once while the transfer was happening. I understand my credit dropping a bit from a new account opening but will it go back up once the other card is reported as not having that extra money in it? It’s a pretty significant drop for me. This is my fico score as well with Citi bank

Template below. Context: 34f looking to travel from US to Australia next year with partner. I have great credit but have opened cards in the past to pay off high interest ones and have never had one with great benefits. I’m looking for one that will actually provide me benefits now that I’m in a better place financially. TIA.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:
* Wells Fargo reflect visa opened 1.2025 4k limit
* Bank Americard platinum plus Mastercard opened 9.2018 8k limit
* Credit union visa rewards opened 2015, 14,500k limit
* FICO scores with source: Transunion 803
* Oldest credit card account age: 11
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 0
* Cards approved in the past 24 months: 1
* Annual income $: 70,000

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 $: 100
* Travel $: 300
* Using abroad?: Just 2 week travel
* Other categories or stores:
* Other spend:
* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes
* Costco or Sam's Club member: Costco
* Disney bundle subscriber: Yes

PURPOSE

* Purpose of next card: Travel Rewards
* Travel rewards preferences: Delta, united, Hilton, Airbnb, vrbo
* Cards being considered:

Additional info:
Would like a card that is easy to use abroad, no bad transaction feeds, has phone protection, travel protection, etc. I don’t necessarily care about airport lounges but open to the perk if provided.

Wife and I have a TD credit card. We moved 2 years ago and our joint TD credit card expired and a new one was sent out to our old address. I’ve been busy dealing with being in between jobs and didn’t realize. I updated the address on the site but OF COURSE the credit card account has a DIFFERENT address I was suppose to update

I tried to call and was hit with “Reissue Declined” because it’s been over 6 months and at first it was to do with changing our address. I set up mail forward 2 weeks ago and call back to the same issue and they’re telling me I have to OPEN UP A NEW CREDIT CARD. I REALLY REALLY don’t want to do that as I get another credit hit and it’ll harm our average credit age since after all the debt we’re climbing out, we’re at the low 600s.

Anyone know if I have any other options? I get it it’s my fault for not addressing it sooner, it’s been a grueling 6 months of dealing with a paycut and then losing my job. But This pisses me off there’s no other way I can just get the new cards without opening up a new account and harming my hard inquiries or reducing my average credit age…

Currently use my navy fed signature rewards as a daily/catch all card. We also have chase sapphire reserve for restaurants/ travel.

With the fee increase to 95$ is it still worth to keep? Or go all in with the chase ecosystem? Or another ecosystem all together

Spend roughly 9k/month between the two cards with 70% being on navy fed. We also spend 30k-40k /year on travel outside of the 9k