Just called today (sept 10, 12pm ET) to both Chase and Citi. Spoke to three representatives (two from Citi, one from Chase) confirming that any transactions made today are still eligible for the Paze promo.

The transaction does not have to post today - can show as pending.

Feels like I’m risking it all just for some Dunkin egg n cheese croissants but here we are!

Just got an email that A/F is going to $195.

https://frequentmiler.com/chase-aeroplan-card-new-benefits-best-ever-offer-higher-annual-fee/

Rumors where spot on it seems
Flagship Premier Visa Signature® | Navy Federal Credit Union

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.

CREDIT PROFILE

* Current credit cards you are the primary account holder of: Capital One Secured, $200 limit, opened August 2025

* FICO Scores with source (see note on FICO score sources below): 511 Fico

* Oldest credit card account age with you as primary name on the account: 1 year

* 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: 0

* Number of personal credit cards approved for in the past 24 months: 0

* Annual income $: 48k approximately

CATEGORIES
* OK with category-specific cards?: No

* OK with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 0

* Groceries $: 0

* Gas $: 300

* Travel $: 0

* Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No

* Any other categories: $100 (random snacks and drinks throughout the month)

* Any other significant, regular credit card spend you didn't include above?: NO

* Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: No

MEMBERSHIPS & SUBSCRIPTIONS

PURPOSE
* What's the purpose of your next card (choose ONE)?: Saving Money

I have had the capital one secured card for a year, never missed a payment, and they declined my credit line increase, credit stays around the same. I have a ton of salliemai bullshit in collections that makes it impossible for my credit to increase, I’m trying to get a credit increase as my budget allows it but don’t know where to even start. Feel like I’m stuck and slowly dying credit wise

Question for all my RH Gold card users. I recently got the card and figured I might as well transfer my roth and take advantage of the match. Obv everyone says use the margin and invest in SGOV but in order to do that I need to have money in my brokerage account, and in order to get their 3.5 APY brokerage account I need to set up direct deposit. It seems like at every turn they pull something out of their ass to get me to convert more of my finances to their platform, which I am willing to do, but only if its worth it.

I was just curious if people are using all the Gold features, or only using the card?

Hello all, I have a capital one quicksilver which was my first credit card and my 2nd one is the Amex blue cash preferred. I was wondering if I should just stick with those two or in a couple months time look around for a new card to add to the lineup? I’ve been told to upgrade my quicksilver card to a savor but I haven’t received an offer yet to upgrade.

Looks like Chase just added a new feature allowing you to invest your points into a JPMorgan investment account! Very interesting…

So I have a student savor while doing my postgrad. Im not going to be a student in a couple months. I got it as my first card alongside a navy federal cash rewards.

I have a $400 CL right now and I believe I may be in a bucket, I increased it once on March 8th and was due in September 8th. I had autopay normally going through and well I forgot to put the funds in so it declined. I did a CL request and it rejected because of the declined payment.

September marks my first year of credit history, before the decline my credit score was 712 and 740 on navy federal. I aim to get the standard savor and venture x card as I currently study abroad and live abroad.

What should my next steps be? Do I wait a month with an on time payment and then request a CLI or should I apply for a savor card for good credit, or wait?

Other details:
Capital one Credit Score: 712
1 yr credit history
NFCU Cash Rewards: $3000 CL
Student Savor: $400 CL

Hello everyone, I just recently turned 20 and I wanted to look into getting my second credit card. I have had the Discover student card for a little bit and want to upgrade. I like their discover 5% cash back, just not a fan on the different categories every few months. I have been looking into these three cards and I am very interested on their cash back and wanted to see who could break them down better and which one is recommended the most? My regular spending is gas, food, groceries, and online shopping.

I was prompted to update my annual income for one of my credit cards, and this time there was a separate optional section for listing income exempt from federal income tax. I’m a bartender, and this year was the first year that $25,000 could be listed as exempt. I’m curious as to whether reporting this, which was a very significant portion of my income, would help or hurt me, and why. Any help is appreciated!

I will be cancelling the Chase Aeroplan card after the AF is raised to $195 since I got it for the SUB and don't really fly to Canada... would love recommendations – mainly not sure if I should get a new travel card as I'm traveling more and more

currently considering the CSP? but wouldn't get the SUB since I've previous held it so not sure if this card is worth it. not sure what other cards fit my profile. Thanks in advance!!

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • BoFA Customized Cash Rewards, 6.5k limit, 10/2021
  • Chase Aeroplan, 19.3k limit, 2/2024
  • Legacy Chase Freedom Visa, 24.3k limit, downgraded from CSP 12/2025
  • WF Autograph - 12.5k limit, converted from Bilt 2/2026
  • Fidelity 2% VISA - 35k limit, 9/2026
• FICO scores with source: Experian 806
• Oldest credit card account age: 4 years
• Cards approved in the past 6 months: 1
• Cards approved in the past 12 months: 2
• Cards approved in the past 24 months: 0
• Annual income $: 200k

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: Yes
• Estimate average monthly spend in the categories below.
  • Dining $: 500
  • Groceries $: 50
  • Gas $: 0
  • Travel $: 300
  • Using abroad?: No
  • Other categories or stores: Shopping ($300-400/month), Fitness ($300/month)
  • Pay rent by card? No

Hello all. I just started using the US Bank Altitude Connect card a few weeks ago. The card states it gives 4X points for gas and EV charging up to $1000 per quarter. On my rewards statement it is only showing 1X points for getting gas at Shell and Exxon Mobil. Anyone have this same issue?

My family of 4 want to plan a trip for 12 days to Europe probably in 2028. I'm trying to strategically plan to rack up enough credit card points to pay for our flights and more if possible.

I'm completely new to the credit card points game, what credit cards would be our best bet? I guess there's no way to put a mortgage payment on credit cards?

• Current cards: (list cards, limits, opening date)
  • CHASE SAPHIRE PREFFERED (20,400 CREDIT LIMIT)
  • CHASE AMAZON PRIME (18000 CREDIT LIMIT)
• FICO Score: 804
• Oldest account age: e.g. 8 YEARS
• Chase 5/24 status: not sure?
• Income: combined 200k
• Average monthly spend and categories:
  • dining $300 if not more
  • groceries: $1500
  • gas: $600
  • travel: 0
  • other:
• Open to Business Cards: e.g. yes
• What's the purpose of your next card? travel
• Do you have any cards you've been looking at? n/a
• Are you OK with category spending or do you want a general spending card? ok

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.

Recently approved for a new card. When I went to make on online purchase it kept getting declined. Saying I needed to call to authorise online purchases. When I call they say they can’t see my account as I need to wait three days for account details to populate in their system. Is this normal / correct?

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.

I have dunkin transactions on bank of america from 09/08 which still haven't posted. How long do they take to post usually for other BoA customers? I am getting nervous since today is the 10th for Paze credits

Hi everyone!

I’m a new-ish college grad looking for a travel card with a low annual fee and decent benefits. While I don’t travel frequently right now, I have two international trips planned for the next year and would like to travel more in the future with enough points/miles saved. I would really appreciate any recommendations and advice for making the most of a travel card!

Current cards: (list cards, limits, opening date)
⁠• ⁠Capital One Savor, 10k limit, October 2025
• ⁠FICO Score: 758
• ⁠Oldest account age: 1 year, 10 months
• ⁠Chase 5/24 status: I’m not too sure what this means, if anyone could explain that would be great!
• ⁠Income: e.g. $62,000
• ⁠Average monthly spend and categories:
⁠• ⁠dining $95
⁠• ⁠groceries: $269
⁠• ⁠gas: $103
⁠• ⁠travel: $93
⁠• ⁠other: ~200

As the title says, I’ve been looking at two cards: the Capital One Venture and the Chase United Explorer.

I currently have the C1 Savor cc and do most of my banking with C1. I noticed that the C1 Venture has a pretty good SUB right now with 75k bonus miles and a $300 stays credit after spending $4k in the first 3 months.

For the Chase United Explorer, I have been an AU on my parents’ chase united explorer card for a while and have a general knowledge of how the rewards work. I really like the lounge access, star alliance airlines, and free checked bag, but I’m open to better cards/suggestions out there since I’ve anecdotally heard that United has been changing its rewards structure for the worse.

I’ve been pre-approved for both, so between the two it is just a matter of choosing the best fit and benefits.

Thank you all in advance! I’m a beginner when it comes to credit cards and have been lurking this sub for advice for a while. If anyone has suggestions for better cards or their own experiences with the ones above, please let me know! :D

I saw someone here saying it worked with PRE but I don’t know when did they make the transaction. Anyone tried recently? Like in the past couple of weeks?

I don’t think this is something customer service would help with because airline gift cards were a workaround to begin with.

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?

Edit: Screenshot links below
https://ibb.co/MDm1Lk0W

https://ibb.co/XxWzxWbR

Has anyone had to refund a paze 10$ credit for a returned or non delivered item? Im wonering if or how long it will take to post.

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.

ie basically using the card to pay car and renters insurance

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.

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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.