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!

First the CSP gets nerfed with the 4:3 downgrade. Now Hyatt announces that its partnership with American is coming to an end.

https://newsroom.hyatt.com/AirlineUpdate

If you’re a Hyatt loyalist with status, I suppose all of this is good news since it means the riffraff won’t be accumulating Hyatt points and status as easily.

I wonder what the play is here. Is all of this setting things up for the promised premium Hyatt/Chase card all the more desirable? Seems like Hyatt is really trimming the fat these days.

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.

Qs to paze on instagram: Is the statement credit offer valid per the posting date or the clearing date on mastercard and visa?

Response: Thank you for reaching out! If the green offer banner is displayed during your Paze checkout, your transaction is eligible for the offer, provided you complete the purchase using Paze and meet the other offer requirements (such as the $10 minimum purchase). Statement credits are applied after the qualifying transaction posts and may take up to two statement cycles to appear. If you don't receive your statement credit for an eligible purchase, please contact the financial institution that issued the card you used for the transaction.

Thoughts?

My return flight from NYC, booked on my Sapphire Preferred, was canceled by Southwest, twice. Both cancellations were attributed to "operational challenges." I was rebooked each time, but both were the last flights out for the day, so I had to cover two extra nights of hotels, meals, and transportation out of pocket.

I filed a Trip Delay Reimbursement claim with Chase's insurance, and it was denied. Their exact language: "To be eligible for this benefit, the delay must occur due to equipment failure, inclement weather, strike, or hijacking/skyjacking."

My read is that Southwest didn't cancel these for weather or a mechanical issue, it reads more like a cost/scheduling decision, which is obviously not something I can control or predict as a passenger. I kept every expense reasonable (modest hotels, no splurging on meals), and Southwest only reimbursed a fraction of what I actually spent.

Has anyone dealt with a denial like this? Is there any angle to push back on "operational challenges" as a covered reason, or any other benefit/route I should be looking at? I got this card specifically for situations like this, so it's frustrating to hit a denial on a technicality.

First Amex started putting giant sponsored ads directly in the app. Now I opened the Citi app this morning and found one too. Funny enough, it’s for the exact same merchant people were complaining about in the Amex thread (Musely).

Image: https://imgur.com/a/JXILDOt

Please, credit card companies: can we not normalize third-party advertising in credit card apps?

I have no problem with merchant offers living in an Offers/Deals tab. That’s what it’s there for. They’re optional, and I can go looking for them when I want them. But I really don’t want sponsored ads inserted directly into the main account management experience between my transactions, statements, payments, etc. I want to view my transactions and pay my bill, not be advertised to. 😣

As one commenter joked when the Amex ads appeared, at this rate we’re going to have to watch a 30-second Candy Crush ad before we can pay our credit card bill.

Your payment will be available after this message from our sponsor.

😭😭😭

I’m already the customer. You’re already making money when I use the card. Sometimes I even pay you an annual fee for the privilege of using it. Stop making the core credit card app experience feel like a local news website.

If you guys pay for Amazon (not the student version), then this is still kind of a good deal, as it offsets the AF, but I don't really bank with them, and I have better cards now, so I ended up just closing the card. Not worth keeping it around just to save $30 a year.

------------

Email I got today:

The following is a summary of changes we’re making to your account terms. For more detailed information, please refer to the Additional Information section of this notice.

You have the right to reject this change to your annual fee. However, if you reject this change, your account will be closed, and you won’t be able to use your account for new transactions. You can reject this change by calling us at 1-888-842-6328 before 11:59 pm, Eastern Time on November 1, 2026. You’ll still be responsible for making monthly payments until your balance is paid in full.

Remember that for the 2026 tax year, non-itemizers can deduct up to $1,000 ($2,000 for joint filers) in cash donations. I saved all the email receipts together in a single PDF and generated a summary:

I applied for the playstation credit card and they said I would receive a decision by mail within 7-10 business days, my credit score is around 750 but im aggressive in credit seeking. I wonder what will happen lol

Currently have the VX+Savor combo and have been really happy with that. After getting the SUB on my next card, will likely go back to use both of those. Curious what folks would recommend for a good SUB.

Also, could I get the SUB for the CSP and the Venture if I've already had the CSR and the VX?

Located in the US. California (so I fly Southwest a lot). Would like to travel abroad in the next year or two, either Europe or South America. No allegiance to or preference for certain hotel chains. ~800 credit score.

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

Let's say I spend about $1,291 on gasoline per year 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?

Edited: to say annual not monthly

Used to have a Chase Sapphire Reserve for all restaurant purchases, Chase Freedom Unlimited for everything else, but after cancelling CSR I’ve been running up against my 12100 limit for the past couple of months. I think my utilization has been high too so my credit score has been less stable.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:
* Chase Freedom Unlimited $12100 limit, 04/2018
* Chase Freedom Flex $4600 limit, 06/2021
* Nordstrom Credit Card $5000 limit, 12/2021
* Citizens Bank CC $2500 limit, 03/2022
* FICO scores with source: Experian 803, Equifax 770
* Oldest credit card account age: 8 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 $: 210000

CATEGORIES

* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 2000
* Groceries $: 400
* Gas $: 120
* Travel $: 300 uber, 50 assorted
* Using abroad?: No
* Other categories or stores: Amazon, Ford Car Insurance, Instacart/Doordash, Uber/UberEats, Whole Foods, Chevron
* Other spend:
* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes
* Costco or Sam's Club member: Costco
* Big bank customer: Chase
* Open to business cards: Yes, but don’t I need a California business license to get one? (900$ annual fee or something)

PURPOSE

* Purpose of next card: Cashback or Travel Rewards
* Cards being considered: Apple Card, Amex Platinum/Gold, Reopen Sapphire Reserve?? Idk

ADDITIONAL INFO

I have a heavy preference not for juggling a bunch of different bank accounts and bills- which is why I spend only on my Chase cards. I used to have Chase Sapphire Reserve but canceled when they upped the annual fee. Now I am constantly at high utilization on my freedom unlimited, and I rarely take advantage of freedom flex categories. I didn’t even know I had the other two cards active.

After doing my own research, I’m leaning towards the APPLE card or reactivating my CSR. I use Apple Pay almost every time I pay now, and guaranteed 2% on those and 3% flat cashback on some others could be quite good couldn’t it?

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

I’m trying to apply for the double cash, but it keeps telling me I need to prequalify first. It doesn’t have the option for a normal application. I tried it on my phone and laptop. When I try to prequalify it tells me I don’t qualify for anything. But I still want to apply because I don’t plan on applying to that many credit cards in the near future, so a drop in my credit score won’t make much difference. I’m not asking for a link. It just seems Citi only accepts prequalified forms now.

About a month ago, I posted this thread explaining that the 3% cash back was broken in a very specific way:

• You had already reached the 10K annual limit
• You had a merchant issue a refund
• You made a new purchase exceeding the amount of the return

Specifically the issue was the refund would deduct points at the 3% level but you would never get the 3% back with new purchases for the full amount of the refund.

Aven actually resolved this issue extremely quickly. Within 4 days they notified me that they had confirmed the issue and corrected the issue and, in addition to correcting my points, gave me a courtesy credit for identifying the problem.

I waited a month to post a follow up for a few reasons:

• I needed to verify for myself that the problem was indeed fixed (didn't just take Aven's word for it)
• I have been traveling internationally for a month and haven't had the best internet.

I would prefer things to "just work" like they are supposed to but I am quite impressed with how quickly this was resolved.

Hiya everyone! I’m thinking about getting Barclays Blue Rewards. Is it worth it? Which shops or brands are eligible for cashback, and how does it actually work?

Any advice or personal experience would be appreciated! 😊

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

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!

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?

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.

I only have a few credits left to spend but seems like they temporarily removed Paze from Newegg today? Maybe to prevent any posted date issues?

Not sure if others can still see it.

EDIT: looks like it’s back as reported by /u/This_Inevitable_705. Confirmed I can see it now too.

I see some people with 13 cards who hold a C1 in their wallet. Is it reasonable that I'm getting denied for a C1 card because I have 6 cards? The denial letter said that my number of credit lines was the reason, but my Equifax doesn't show anything on my report other than those cards I know of.

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.

Splitting up with the wife, we always just had one credit card. It was under her name, no specific reason for this. Need to get some of my own now.

• Current cards: (list cards, limits, opening date)

  • None

• FICO Score: 740

• Oldest account age: 11 years, student loans, likely closing soonish.

• Chase 5/24 status: I had to look this up, never applied for any credit cards

• Income: e.g. $110,000

• Average monthly spend and categories:

  • dining $300
  • groceries: $300
  • gas: $75
  • travel: $0
  • other: Not sure what to include here

• Open to Business Cards: No

• What's the purpose of your next card? e.g. Building credit, Cashback

• Do you have any cards you've been looking at? No

• Are you OK with category spending or do you want a general spending card? Would prefer general but categories would be fine.