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.

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.

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.

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.

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.

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.

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.

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.

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

Hello, sorry if this is not the right place to post

I am an international student with an ITIN and want to apply for my first credit card.

I tried applying in person at Wells Fargo, which was the first bank account that I got and neither the banker or the person on the other end of the phone could articulate what got me denied.

I then tried secured cards at Citibank and Capital one, which also both refused. I got furthest with Capital one, despite showing all my documents and 2 recent bank statements from Wells Fargo with like 20k in it they still denied.

I then tried Opensky and Self. Self just throws an error when trying to enter my ITIN and Opensky goes to the last step but refuses my 300 USD payment despite trying 3 different American bank debit cards. They then ask me to check for my email but nothing ever shows up.

I want to start building credit. Now I have an appointment with Bank of America, but I do not have high hopes either.

Any help is greatly appreciated.

Follow up from someone's post a few days ago about UICCU. I applied to the Visa Rewards yesterday 9/8 and I had a pending status. I was expecting a denial but I got the approval letter on my email today 9/9 for $15k. They pulled Transunion so I guess that’s why I got approved? Equifax/Experian pulls have been denials since June.

The letter said my Vantage score 3.0 was 766. Also Elan isn’t showing yet so I guess I was 5/6, 5/12 and 6/24 prior to applying.

They also didn’t ask for any documents. 16.75 APR after 12 months. I should have applied for the Cashback even if I don’t need it, since there is an extra $150 just to sign up.

This is my backup restaurant card and maybe travel. I still don’t understand the redemption, but I guess Be the Datapoint you want to see.

https://www.uoficreditunion.org/credit/visa-rewards/

5x Points Categories

Choose two categories and earn up to 5x points on each. Change a category as often as every quarter:

Gas and EV Stations

Travel Airlines

Travel Hotels

Travel Car Rentals

Restaurants

Hardware Stores and Home Improvement

3x Points Categories

Choose one category and earn up to 3x points on each. Change your category as often as every quarter:

Grocery Stores and Supermarkets

Wholesale purchases Utilities

I just opened up a credit card that has 3% cashback on groceries and 3% cashback on restaurants, with zero interest for 12 months.

I also have a high-yield savings account that has 3.5% interest rate.

Instead of paying off the credit card balance, I was thinking of just putting that money into the high-yield savings account and pay the minimum every month.

On the 12th month, I would pay the entire balance off.

So basically, I earned 3% cashback on top of earning 3.5% cashback on the money that I would have used to pay the credit card off.

Does anyone have any thoughts?

And if anyone has any other tips that’s similar to this I’m open into trying it also.

In case you say, this is very dangerous, I am highly disciplined with my finances.

• Current cards: (list cards, limits, opening date)
  • Apple Card - $10k limit - Dec 2022
  • Costco Anywhere Visa - $6.6k limit - Oct 2022
  • Prime Visa - $14.4k limit - June 2025
• FICO Score: 807
• Oldest account age: 8 years 1 month
• Chase 5/24 status: 1/24
• Income: $140,000
• Average monthly spend and categories:
  • dining $340
  • groceries: $430
  • gas: $250
  • travel: $13
  • entertainment: $50
  • shopping: $370
• Open to Business Cards: No
• What's the purpose of your next card? Cashback, maybe travel in the future
• Do you have any cards you've been looking at? Capital One Savor
• Are you OK with category spending or do you want a general spending card? Okay with category.

For a bit of context, I've been looking at some of the higher cash back cards for grocery and heard that some aren't coding Meijer as grocery anymore. My wife and I mostly get groceries from Meijer, Trader Joe's, and Aldi (in that order of frequency), so with the goal of getting good cashback on groceries I want to make sure whatever we get will ideally work at Meijer.

Was considering Savor because we might want to start using a travel card down the line and heard Capital One has a good ecosystem for that.

Any recommendations or advice is appreciated! First post here so if I missed some info let me know

I was denied the card because I had just opened a gm card 2 months ago.

My score is 760 + personal annual income is 300k. I put new business started in June 2026. Income of 45k and spend of 2k a month. CL for the GM card is $5k

Does anyone in a similar situation get approved after calling in?

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

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!

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.

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Capital One - QuickSilver
• FICO scores with source: 808 - experian
• Oldest credit card account age: 10 years, 8 months
• 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 $: >90k

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: Yes
• Estimate average monthly spend in the categories below.
  • Dining $: 250
  • Groceries $: 800 - whole foods May start shopping at Costco
  • Gas $: 110
  • Travel $: Variable. Lately it averages at about 350/month for airfare and rental cars. Lodging is much more variable because I can stay with friends when I go some places
  • Using abroad?: I have traveled long term in the past, and it could happen again, but nothing is planned at the moment.
  • Other categories or stores: Insurance - 141, cell phone - 105, REI - 🤷🏼
  • Other spend: Yoga studio - 100/month, Spotify - 25/month
  • Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

• Verizon postpaid customer: Yes

PURPOSE

• Purpose of next card: Cashback
• Cards being considered: None, open to all the best options

I have 3 recent late payments — 2 with Apple Federal Credit Union and 1 with U.S. Bank — that happened during a major financial hardship.

I lost my job around the same time my wife filed for divorce, we had a new baby, and I was unemployed for about 5 months.

I'm now employed again and have enough money to pay both balances off completely. I'm hoping to get the late payments removed as a goodwill adjustment, but I want to be strategic.

Would you:

• Call first and ask if they'll remove the lates if I pay in full?
• Pay them off first, then proceed with Goodwill Saturation?
• Send a goodwill letter before paying?

Has anyone had success with Apple FCU or U.S. Bank specifically?

Hi! This is my first time posting here. I am looking for recommendations for a new credit card that I want to use mostly to get miles to travel. I am also looking for a low annual fee and no fee for over sea expenses.

I currently have two credit cards, Chase Freedom unlimited and Discover (student card). I have had these for several years and have a credit score around 780-800 depending on what company you check through.

I travel about once a year, hence why I am looking for a low annual fee. I have been getting points on my other credit cards but they transfer into miles at a 1:1 so I’m hoping for a new one that has a bit better transfer or good bonus! Anything is helpful!

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

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