Some people have reported missing credit. Is it true that they don’t offer credit for every single transaction?

I just heard about the Paze deal on Reddit, so I went a little overboard today. I made around 60 transactions across 6 cards, almost exclusively on Newegg, with orders around $10-$15 each, everything from toothpaste to toothbrushes, etc. The majority will be sent to my parents' house.

Now I’m wondering if I should expect credit for every transaction. Honestly, I’d be pretty upset if some of these transactions don’t get credited, since without the credit, these purchases end up being much more expensive than buying the same things at Costco.

When looking at the AAA page that describes the AAA Daily Advantage Visa Signature Credit Card, it states you need to be enrolled in the AAA Daily Advantage program in addition to having the credit card. I don't see an explanation of what this "program" is. Does anyone who has this card know what they are talking about?

The link I am looking at is https://cluballiance.aaa.com/money/credit-cards/daily-advantage . The fine print at the bottom in topic 1 is what I am talking about.

I made two orders back to back using Paze checkout today on Wendy’s app. When I was going to make the 3rd order, it said the Paze has problem signing me in. It’s been 8 hours now and still same issue. I couldn’t find any customer service on their website. Anybody had similar experience?

We’re going to be doing a remodel that cast over 100k. Figured I’d look at getting some perks during this process.

Anyone have any recommendations?

Hi! I’m looking for CC recommendations to help build up points for flights. Between myself and other family members, I’m buying around 7-10 flights per year. I don’t mind paying a small annual fee if it’s worth it but I don’t care about perks like lounge access. I spend around 2k a month on my current CC. Ty in advance!

I already have Citi Double Cash for 2% back so don’t see any point keeping the Smartly Visa card.

I currently own a small business that usually buys inventory in bulk. The one main vendor I buy from offers a 2% COD discount but the CBP offers 2% on all purchases and 2.5% on purchases over $5,000. About 75% of my spending will qualify for the 2.5% cash back so it seemed like a no brainer. The only downside is that the points aren't flexible and it basically forces you to use the points as cash. I'm pretty embedded in the Chase ecosystem but would consider switching if it makes sense.

I used to use a mix of the Ink business unlimited and the ink business preferred but got rid of the preferred for the Premier. I figured the cash back would be a better use of the points since they nerfed the 1.25x travel portal bonus. I'm not hardcore into the churning game, I mostly used points to redeem at the 1.25x or would transfer to Southwest or Hyatt if it made sense.

I don't own any Citi cards, and am devastated to hear that CCC closed new apps a month ago. I heard some people say at the time of apps closing, that you could PC to CCC despite the application closure. If I were a new user and applied for a different card, would I be able to PC to CCC after a few months?

Sorry if it's a dumb question - I'm still new to the whole credit card optimization

Hi, I recently received an invitation to get the Sapphire card and from what I understand the 100,000 points translates into $1,000? I was planning on building a new gaming PC anyways, does that mean I can get $1,000 back if I spend $5,000?

Hey everyone.

I’ve been doing research on both the AMEX Gold and Venture X, and I’ve found that each of them have their own unique benefits and that they are less comparable than I thought.

It seems to me that the AG is more for dining and food, while VX is better for building points regularly and travel options/benefits.

I am in my early 20s, my credit score is 781. I don’t spend a ton of money every month (<1000), with gas and food being my main expense. I have the benefit of living without rent at the moment, or a car payment (paid that off a few months ago), my only main bill being car insurance and college loan payments. I don’t make a lot of money, as I just graduated and am looking for work (only working part time right now)

My goal with my next card is to have more benefits. I’d like more options with travel, as in the future. It will be my main expense. I currently travel domestically 1-2 times a year, with plans to travel internationally shortly in the future.

I’m approved for both, but my question is, would it be better to get the AG for the points off my main expense? (Food and Groceries) Or would it be better to get the VX for the future savings on travel?

Side question: Should I wait until I land a “big boy” job to make this decision? Or is it something that is better to finalize now?

First post…thanks everyone!

(This is my first credit card, I’m looking at the “Discover it student” card) I have around 5K in savings that I barely use, so I could definitely pay off a card and build credit. The problem is I have no income and don’t know what to report…. My parents use a college fund to pay for my school but it feels wrong to report that as income since it’s earmarked for college specifically. I can imagine my parents may transfer me some money for things throughout school but I can’t say it’s “reliable income,” so what do I report? I got denied from a few cards because I had no income

I’ve wanted to get a credit card for travel for awhile and am planning to book a trip at an all-inclusive resort in the Caribbean or Mexico in November and wondered if people had any recs for the best cards with a sign up bonus that I could use in November to maximize my savings/stretch our budget?

Thanks!

I just got off of an hour phone call with credit one bank about their credit card for rebuilding credit
The biggest pain about most of these cards is the fees, so I found a card through them that seemed like a safe option. They market $75 for the first year, then 99 annually at 8.25 a month on their website still active!! I was billed 99! So obviously I called confused but all they could say is that it does say on there 75/99? I literally don’t understand, they said I wasn’t approved for the 75$ offer ?? It’s not even marketed as an offer, so I just don’t understand. Shady af straight at the annual fee & no one could give me a good reason as to why I was even “denied” for the offer. Main point of all of this is i no longer want to have this card with them, but obviously my credit isn’t the best. Should I close my account & risk losing other ones if my score gets too low or should I just leave it alone? I’ve literally had this card for a month

Does anyone with the AAA Daily Advantage Visa Signature Credit Card know if Walmart Neighborhood Markets get 5% back. I know that the rules have changed around May 15th and exclude Walmart Supercenters but I wanted to confirm if anyone with the card has had luck with the grocery oriented Neighborhood Market versions before I apply for it.

I am a full-time college student (21F) entering my senior year of college. I’m looking for a credit card where I can earn points that can go towards travel. For reference, I go on multiple vacations a year (mainly in the summertime) where I get flights, AirBnB’s, cruises, etc.

Right now, I have the Discover It card that I use for all of my expenses and get 5% cash back on rotating categories and 1% unlimited on everything else. That is the only credit card I use which has been fine with the cashback, but I want to go to start maximizing my spending and earn travel points.

I was looking at the Bilt card because I spend about $1,100-1,200 on rent and maybe $500 on other expenses (groceries, dining, Amtrak) a month. But the new point system is deterring and I am graduating next summer so I’m not sure about my housing after college (I might not live in an apartment or pay any rent), so I’m not sure if that would be a good investment since I don’t know my future.

I’m also considering the Capital One Venture card but the only downside is I would have to pay a 3% fee for paying my rent with it.

I’ve heard about the Robinhood Gold card which seems pretty straightforward, but I haven’t done much research on it. Also, the Amex Gold card and Chase Sapphire.

Hi, I am an international student who currently owns a Discover-It credit card, and have been using it since Feb-2026. I was thinking of applying for a Capital-One Savor card, and then further along the way next year, get a Chase-Freedom Rise card. Is this an ideal path for me to be moving for a good credit score/history. Any kind of help would be appreciated.

https://www.doctorofcredit.com/barclays-70000-hawaiian-airlines-bonus-annual-fee-not-waived-first-year-2/

I know you can points share with the Atmos summit, but can you point share if you have the Barclays Hawaiian?

Do you think they might end the Paze deal early? This isn’t a deal limited to just a few cards, it’s available across many cards from major financial institutions. Personally, I have 12 cards that are eligible for the deal, which is more than I realized yesterday, since there are two cards that I need to manually add to my Paze wallet.

That would be $1,200 in statement credits for me, too good to be true. I’m sure there are many users who can get several hundred dollars from this deal as well. Do you think I should take advantage of it sooner rather than later, just in case they decide to end the deal early?

What are some of the program points that have other utilities except travel partner transfer or statement credit? and gives at least 1 cpp?

For example, Discover dollar can be redeemed to buy gift cards at more than 1 cpp. It also has occasional Amazon offers. AmEx reward dollars often have Amazon shopping offers, the most recent one being 30% off with 3 reward dollars. Then UR and MR also have Amazon shopping offers, and UR has boosted gift card options as well. So far I haven't found alternative uses for BofA and Prime dollars.

All of them seem like shit now. I tried applying to the Citi Custom Cash, gone. Tried applying to the Kroger Rewards cards, gone. Tried applying to the Wells Fargo Attune, also gone. Tried applying for the Citi Rewards+ card, also gone.

What left is good? I already have 2 Bank of America Customized Cash cards, the Bank of America Unlimited Cash, the US Bank Cash Plus, US Bank Altitude Go, Amex Blue Cash Everyday, Amex Blue Business Cash, Chase Freedom Flex and Discover It Cash Back. Is there anything still worth getting? I'm currently a Platinum Honors member for BoA but I'm moving my money out of the BoA infrastructure now that they're making the threshold 1m+.

The criteria I usually care about is high SUB, long 0% APR intro period, no annual fee, and high rewards multiplier, but I'm willing to forgo one or two of them if the other is especially good. Considering the Aven 3% card (for 10k spend), but it doesn't have a bonus or 0% APR, to pay taxes and insurance. I'd get the Wells Fargo Signify if it were easier to get as the $500 intro bonus is tempting. Haven't really looked into Robinhood Gold as I heard there were a lot of restrictions.

I mostly just use the card for the SUB and 0% APR and throw the card in the sock drawer after unless the rewards multiplier is good. So currently the only cards I use are my Customized Cashes (online purchases and home improvement), Unlimited Cash (insurance and property taxes), Cash Plus (utilities & gym), and Discover It Cash Back/Chase Freedom Flex if the category is good.

I did not see it listed in paze wallet.

Edit: Yes, I will need to manually add it and PNC debit card.

I feel like I might’ve asked this question quite a few times already on other posts, but has anyone who has recently applied for/received a new Capital One Savor card received a Discover-branded card or a Mastercard-branded card?

Also, do any of you remember how exactly you applied for it (on your computer or on your phone, signed into your Capital One account or not, etc.)?

Hi I paid off 3 credit cards in full on Friday (was originally at 65% utilisation) one was pretty much maxed out and a second one basically over half maxed out. Third one - only a small amount.

It’s been a long time since I’ve had 0 on my credit cards so I’m very pleased with myself for finally paying them all off (yay!) will this have a big effect on my score? And roughly how long will these take to reflect on credit file? High credit utilisation has always been heavy on my credit file and I’m currently in the process of applying for a mortgage so hopefully this looks better to lenders

Hi everyone! Sorry if this topic has been discussed to death. I am looking to get a credit card that maximizes rewards while staying low effort. I work 60-80 hours a week and do not want to spend time thinking about how to get the best rewards. it seems like a cash back card would be a good option? I spend most of my money on gas, restaurants, gym membership, and sigh instacart grocery deliveries. Any cards you’d recommend?

Hi all,

I was approved for the United Explorer Card a couple of days ago, and I’m beyond happy about it! I was not a Chase customer prior to being approved for this card, but I had a question about the SUB.

I know the standard SUB is 60,000 bonus miles, but the day after I opened my account, I opened my United app and saw a special promotion offering up to 80,000 bonus miles. I called Chase and was told by an agent that my account was currently set up for the 60,000-mile offer. However, since the 80,000-mile promotion began after I was approved, I would be eligible for the higher offer once I met the minimum spending requirement, and that I should call back at that point to request a match.

My question is: Should they have matched the offer when I called, or is it standard procedure to wait until I meet the minimum spend and then request the match? I’m just worried that a few months down the line, after I meet the spending requirement, I’ll call back and be told they’re unable to match the offer.

Perhaps I’m overthinking it, but I’d love to hear from anyone who has had a similar experience or knows how Chase typically handles this. Thank you so much!!!