Which is a better credit building cashback card a wells fargo or capital one quicksilver

I am a heavy Amex gold user but I’m finding that the MR system is very lackluster and find myself more and more interested in chases reward points. Although the no grocery category kinda sucks. I don’t get delivery where I’m at in rural Ohio so I won’t be able to take advantage of the “online grocer” bonus. I also don’t have a Kroger in my state for the “Kroger pay hack” so that’s out of the question. I do have some big purchases coming up so I would be able to hit the SUB with ease, I do want to snag the in branch offer people have been talking about and really go full into the chase ecosystem.

Robinhood gold card will be 3% cash back. AMEX gold card is 4x on restaurants. If I use the gold card I can transfer my MP to my Schwab account. If I get the Robinhood Gold card I can use 3% towards my Roth. Any advice? Thanks!

TL; Dr is 4x worth more than 3% cash back?

I saw a Youtube video where the presenter said that if you apply for a credit card and the agency/agencies they check into, has a fraud alert placed in your name, the credit card company rejects your application and just moves on!

I find that hard to believe. This doesn't seem correct, but is there any truth to that at all? I plan on applying for a Citi Rewards+ card with my Experian fraud alert still on (it is way too much of a hassle to remove the Experian fraud alert). I will apply for the card after I log into a Citi account that I already have (for my Custom Cash and Costco Citi cards). So, that should tell the bank that I am not some random person applying for a credit card in my name, right? Could Citi still just reject my application and "move on" even in such a scenario?

I was wondering if anyone has tried or seen datapoints on using real time reward redemptions on any of the hotel collections through Visa, Capital One, Chase, and AMEX.

Hey everyone! I am a student right now and I've never owned a credit card before. I'm thinking about getting one --- should I go with a student card or a credit card from a credit union, like the Senate Federal? Are there any real benefits/cons?

• Current cards:
  • Chase Freedom Unlimited, limit $18,500, Jan 2020
• FICO Score: 802
• Oldest account age: 6 years
• Chase 5/24 status: 0/24
• Income: $125,000
• Average monthly spend and categories:
  • dining $1200
  • groceries: $600
  • gas: $200
  • travel: $1000
  • other: $500
• Open to Business Cards: Maybe? Wife is a realtor
• What's the purpose of your next card? Travel or cashback, not sure.
• Do you have any cards you've been looking at? Not really
• Are you OK with category spending or do you want a general spending card? Either or both

About me: Travel for work 5-6 times a year, travel for leisure 3-4 times a year. Routine expenses are mainly food, either dining or groceries. Other includes gym memberships, clothes, or other miscellaneous expenses. I own a home.

Currently a member of American Airlines rewards and Marriott Bonvoy, but open to others if it suits better.

First they're generating hype through artificial scarcity via this silly "waiting list."

Secondly if you purchase their Robin Hood Gold monthly then you get "priority access" but no one here has gotten the card as far as I know except for some YouTube influencers.

Thirdly they're offering strange and bizarre retirement account bonuses if you switch over which seem too good to be true.

This whole thing seems like a massive scam. There's no reason for them to be hyping it this much and waiting this long if this is actually going to turn into a real thing. Just put it out there and let the people judge it.

3% back on everything? If it seems too good to be true guess what it probably is.

I fell for it, I signed up for Robin Hood Gold and after almost a month when it looked like it would start charging me I canceled that s*** because I don't want to be a sucker. In the meantime I got two other cards and I moved on with my life. I'm not going to wait around for this silly crap.

I have been looking for a good everyday credit card but also being able to use it for traveling. I do not travel by plane. My family and I, we normally just rent a car and drive. Currently i can’t rent a car since I’m not 21 yet but we do get hotels etc so if there is a way that I can use points on hotels and get a good cash back as a everyday use it would be great. I was looking at the chase sapphire preferred since a lot of people talk about it or the Amex gold. But the Amex gold is not the best option for me since I do a looooot of shopping in Costco.

Has anyone experienced your revolving utilization saying n/a on FICO? I always pays my loans and credit cards on time but this month it’s saying my revolving utilization is n/a and it brought my score down 20 points. Does anyone know why this has happened or know how to fix it? Clearly my credit is being reported wrong and it’s affecting my score

I was approved for Chase Sapphire Preferred $5k credit line with a credit score that I’m not proud of but am working on rebuilding.

Just wanted to add a reference point for anybody in the future who may find themselves in a situation like mine.

Fico8 : 632

Things to note

• I had a 2 credit cards that I stupidly let go to collections when I was 18 yrs old, 1 I payed to delete about 2 yrs ago and the other I didn’t settle until about 2 months ago.
• I’ve had a checking account with Chase for 6 years, have never had a negative balance or anything. I had read here that Chase values having a previous relationship with them, don’t know how true that is but in my case I would say it definitely played a role.
• According to the bankers screen I was pre approved for even the Sapphire Reserve along with the rest of the credit cards Chase offers, I know a pre approval is not guaranteed but just wanted to point that out.

-As per other pre approval bank sites, the best pre approval I could get was a capital one savor one card (unsecured), Citi wouldn’t pre approve me for anything, my other option was to get a student card, figured I would try walking into a Chase branch physically and see if I could get approved (and hopefully also get the sign up bonus) before settling for a student card.

• I make a decent income, I can imagine that also affected my approval odds.

A vending machine charged $1.25 and didn't dispense anything. I can live without $1.25 but I'm more annoyed at the principle. If I dispute it, Chase will just eat the cost and the vending machine company still keeps the money.

Hi cc Reddit,

My niece and her husband are relatively young, and will have their income increasing pretty comfortably in the next couple of years. They have 1 credit card between them, but both are very responsible so I’m not worried about them abusing credit.

Knowing what you know today, how you would you start their 2 player game from scratch? Any particular path you would take for the first year?

They are looking to travel and have Southwest and American as their closest hubs. Both have scores in mid to high 700s, and they are not opposed to churning or business cards.

Thanks

I have only one credit card and it’s the Amex Blue Cash Everyday. Been interested in freedom unlimited card since I do a lot of door dash orders. I have around 725 credit score. I have had my Amex BCE for like 3 months now, should I wait longer before applying?

Also like the Apple Card, can I see if I’m approved and see my CL offer before I get a hard pull?

I'm torn between keeping open the Amex Gold, which is my first credit card, or closing it and going with the CSP. The annual fee of $250, and probably increasing, does make me rethink it. Along with the CFU/ CSP duo I think it could work pretty well and I could keep with the hybrid cash back and some points. I plan on closing the VX in December because of many many issues with capital one in general along with not traveling enough. I am open to other recommendations as well. I do have way more general everyday spend than what is listed below.

CREDIT PROFILE:

• Chase Freedom Unlimited $6500 limit, 09/23
• C1 VX $20,000 limit, 12/23
• Amex Blue Cash Preferred $15000 limit, 08/22
• Amex Gold 11/21
• FICO Scores with source : Experian 721
• Oldest credit card account age with you as primary name on the account: 2 years 5 months
• Annual income $: $60000
• Inquiries: 0/6, 4/12
• * Number of personal credit cards approved for in the past 6 months: 0
• * Number of personal credit cards approved for in the past 12 months: 2
• * Number of personal credit cards approved for in the past 24 months: 2

CATEGORIES

• * OK with category-specific cards?:  No
• * OK with rotating category cards?:  No
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 300
  • * Groceries $: 150
  • * Gas $: 200 plus
  • * Travel $: Tolls ($100) some hotel getaway's and maybe 1 flight a year.
  • * 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 (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $ storage unit that codes as travel ( on amex at least)

My Experian credit report has 4 inquiries. TransUnion and Equifax both have 1.

I'm looking specifically into Discover. I saw that in my state Discover has pretty much a 50-50 chance of pulling Experian and Equifax. Discover's preapproval pulls Experian.

Do lenders usually pull a different bureau for preapproval and approval? Or is it usually the same?

Can people have the same first 4 numbers a credit card?

I am currently at 4/24. The next card to drop off of that metric will be in March 2025.

To stay under 5/24, I have been mostly churning business cards since hitting 4/24 (some Chase, some other business cards).

However, there are some offers that are tempting me to break the seal and hit 5/24. Namely, I am considering three options:

1. Apply for the CSP 85k offer, hitting 7k spending over the next 6 months (which is very doable for me).
2. Apply for the CFF 10x grocery offer. I could hit 12k grocery spending in the next year without stretching, which would effectively make this a ~100k SUB for me.
3. Apply for neither, keep my 4/24 status, and continue churning business cards until next March. I would likely open 2-3 business cards between now and then.

Curious to hear people's thoughts about what you think the best path here is.

I have been struggling with credit card debt for years and years. I am in my 60s and I’m on Social Security. I have decided that I’m going to have to cut my credit card which is very sad to me because I have a 100% on time payment record. My credit score is in the low 500. I can’t see ever recovering. My payments are more than my income. I am decided not to claim bankruptcy. Which would be better, to cancel my cards or should I just stop paying them? They are at max capacity. I heard that if you canceled, they still charge you late fees and if you, don’t pay. They still charge you late fees. Does anybody know anything about this?

I am about to pay my credit card which is due on the 15th of every month. My statement date is the 18th of every month.

My statement balance is saying $1255 but my current balance is only $367. Will this reset once the 18th comes around? Should I just pay off my entire card to 0%?

My first card I ever opened at c1 is still at a low $750 limit years later which is ridiculous and meanwhile my other cards have higher limits. Can constantly maxing this out force them to give me a higher limit ?

A background on my current status. I work corporate for an airline company and I travel around for fun ( and free) quite often. Sometimes I do have to pay tax on the trips I take and currently, I just pay using my Amex Gold because it gives me 3x points (while paying the tax amex thinks I am paying "airline fare"). I was thinking of getting to the platinum as it will give me 5x instead of 3x but I was wondering if it is worth the upgrade or if there is any other travel card I should consider. Plus I like how I can get hotel status because imo having status just gives you better treatment at hotels even if you book through third-party. The venture x is my boyfriend's and I'd like to rack up some of my personal points by having a travel card. I also considered my company's travel card (United Club card) but they only give 4x points on United purchases, and I can't justify the 525 annual fee just for the United Lounge access( which would be nice but not worth the high fees) Any recommendations will be nice, thanks!

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

• Discover IT card ,7k, June 2020
• Apple Card, 4.7k September 2021
• Amex Gold, March 2023
• Venture X (Authorized user), 10k, June 2023
• FICO Score: 765
• Oldest account age: 4 years
• Income: e.g. $75,000 my income but total available to me is 180k
• Average monthly spend and categories:
  • dining $300
  • groceries: $300
  • travel: $400
  • other: $400-500
• Open to Business Cards: e.g. No
• What's the purpose of your next card? e.g. Travel
• Do you have any cards you've been looking at? Amex Platinum
• Are you OK with category spending or do you want a general spending card? want a travel card

https://imgur.com/a/egaVqv3

Google AI and WalletHub are giving me two different answers about the grace period for the Amex Platinum annual fee refund. AI says 30 days of the statement that includes the fee. WalletHub says 30 days of when the fee is assessed. Who is correct?

Keep getting emails from capital one for certain stores saying spend a certain amount and get a certain amount back. So I finally took advantage of one for a store that said “spend $90 get $60 back” read it carefully there was no small print saying something else. Well after doing the deal and buying over $100 at this particular store I got an email back saying claim your reward. It was a $19 pre paid visa. So what’s the deal? Where did the $60 deal go?

I’m at a loss at this point. Capitol One customer service is completely unhelpful, and I’m hoping someone here has dealt with this or has the knowledge to offer some kind of explanation.

Last month I made a $215 payment from my Capitol one checking account to my Capitol one CC. My checking account had $800 in it when I started the transaction, and I didn’t touch it until two days later when I received email notification that my payment posted. Checked my checking account and saw the money was withdrawn. Went ahead and paid my other bills. This is how I have handled payments for the last 5 years with no issue.

Then 3 days later, I get a notification that the payment was returned for “insufficient funds” - what? As a result my payment was marked late, and I had a chunky interest payment tacked on. The $215 never went back into my checking account.

This week on Monday I paid my credit card bill for this month. $450 paid to my CC from my checking account that had $1200 in it. Again, I do not touch my checking account until I receive all notifications and email confirmations of payment withdrawn and payment posted on Wednesday. Then I proceed to pay my other bills. yesterday morning I wake up and find the same has happened AGAIN.

I don’t understand why this is happening, and Capitol One won’t explain. They keep saying “insufficient funds”, but how can that be?

Do words not have meaning? What does “withdrawal approved” and “payment posted, transaction completed” mean if not that the transaction is completed? I’m so flustered, and i fear I cannot afford my next payment. What can I do? Why is this happening?

For context, I’ve had my card for 5 years and I’ve never had this issue until now.

Can anyone confirm how the quick service restaurants at Disney World code? I would love to take advantage of the 7% back with Restaurants currently on the Chase Freedom Flex or at least 5% with Citi. So much easier than juggling giftcard purchases at only a 5% discount and being stuck with leftover funds.

Just would love to confirm with a recent datapoints. Chase and Citi are both finicky with coding.

Appreciate it!

Hey Everyone,

I currently have 2 credit cards open. Discover is currently 6 years, 9 months old with a limit of $6,200. Apple Card is 3 years, 3 months old with a limit of $1,500. If I were to cancel the Apple Card, how much would it impact my credit score which is currently at 816?

Ideally, I need a card that doesn’t have any foreign transaction fees and is widely used everywhere. Please give me your tips, advice, and recommendations!

Thanks in advance!

Hey Everyone! So I’m looking for a new credit card this year! Backstory: I am not a first time user..i’ve had an entry level chase credit card with a max of 1800 the past 2 years. It’s completely paid off now but I’m not a huge fan of chase in general so I’d like to close it soon!

At the end of the year i’ll be moving and plan to be moving into my own apartment for the first time (currently have 3 roommates). I’ve moved a bunch in the past but this year I really wanna get all new stuff, i’ve been using the same things for the past 6 ish years that i left highschool with!

I’d really like to look into getting a new card towards September that can be used for new moving expenses, so my finances from my job don’t get spread too thin with all the moving expenses! I’ll have to focus my income on applications, deposits, 1st months rent etc so having some cushion would be nice!

I don’t really do any traveling! I do use alot of gas and tend to eat out a lot though so cash back on those would be great! I definitely want NO annual fee and having 0% apr for at least 12-15 months would be nice also! Ultimately i’m looking for a good credit card with basic cash back benefits for all the shopping i’ll be doing online/in store and maybe a higher limit than 1800!

I looked into american express and discover! Discover has a cash back card, blue, and a gas & restaurants card in gray, anyone ever experienced these 2! And what about american express, do you all like those! I bank with capital one now and thought about them too!

You can see my full post here, but what I'm trying to do is find a way to use a service like Plastiq for bills that won't take credit cards directly (namely mortgage and other debt instrument payments) and pair it up with a cashback card which can offset most of the transaction cost.

The Fidelity Visa 2% is a good card most like, and you can have the cashback funds drop directly into a fund if I'm not mistaken. Plastiq charges 2.9% on transactions. So it's a 0.9% wash overall, which would definitely have convenience factor in terms of literally having all of my bills go to a single place.

The problem is, Plastiq doesn't allow that with a Visa. But MasterCard apparently does.

So, is there a good 2% mastercard out there that comes from an investment bank where I could dump the cash back into a brokerage fund like I supposedly can with Fidelity?

I have to pay around $1,850 for the rent monthly and am considering applying for both USBAR and the Bilt this year. If the apartment allows payment with Apple Pay with a 2.95% convenience fee, would you prefer using the USBAR or Bilt to pay the rent?