Hey everyone. So I am receiving the SYW offers in email but when I click on those links, I am not reaching the site and logging into the Citi Portal and going to the Offers page. It just keeps loading. Anyone having this issue and anyway to bypass this?

Has anyone ever done a comparison of the different ways interest is calculated by different banks/providers? I'd be interested to know which method is most favourable to the bank (i.e. results in a high interest charge) and which is most favourable to the consumer/user (lowest interest).

Examples of Methods (assuming that only the minimum payment is made):

1. Interest charged for 30 days on the unpaid portion of the outstanding balance quoted on the last statement balance
2. Interest charged for 30 days on the entire outstanding balance quoted on the last statement balance
3. Interest charged on each chronological transaction that hasn't been fully paid off for the number of days between the date of the transaction until present
4. Interest charged on the average daily balance for 30 days etc.

Please suggest other methods to add to the comparison

NB. My credit card companies are based in Trinidad and Tobago and I don't think that there is any law that stipulates which method should be used

Today I got two mail offers from chase for, the sapphire preferred and freedom unlimited. The sp offer is 80k bonus points after 4k spending in the 1st 90s days. It also includes 5x points on travel though the chase portal, 3x on dining, 2x on all other travel & 25% more value with chase travel. The fu sub is 6.5% on chase travel bookings, 4.5 on dining & drugstores & 3.0% on everything else. Now, I'm not looking to apply for these since I already applied for a card in November & was denied due to income.

I recently got my w2 & was able to get a better idea of my finances & have updated the income accordingly. I asked for my 1st cli from discover & they denied it for recent cr activity, so im in the doghouse. How long would I have to wait it out for if I did want a chase card? Currently have my eyes on venture x. Would that be better than the chase travel offers?

I’m looking to apply for a credit card with travel benefits, specifically lounge access and points when booking airfare. I’m torn between the Amex platinum and Chase Sapphire Reserve. Does anyone have any insight into which one is better and why?

Hello!

What is the best card currently to get rewards/bonus with? I have an upcoming $6k-ish purchase that I want to take advantage of gaining some rewards off (cash in bank to pay in full).

780+ credit score

Income: 75k

Oldest Card: 5+ years

No current balances with approximately a $75K limit between open cards

Thank you!

Hi I'd love for anyone's expertise/experience to figure out why 2 of my recent applications were denied. Last year I pre-approved United Explorer and Hilton Surpass around June. I've had amex gold and blue cash for 3+ years, as well as a Target cc. I closed Alaska cc this month since I didn't have any use for it. Same month (Jan 2025) I tried to open a Marriott cc and got denied. I got another promo email from Wells Fargo cc no annual fee, also got denied right away. Is it because I closed an account same month that it's denying other applications? Thanks!

Hey folks! I’ve just passed due for the first time in my life :( I used my credit card for transportation ticket for just couple bucks and completely forgot about it. My due was Jan 31, I ignored email yesterday as though I had $0. So this morning I’ve got a bunch of emails that my account passed due, restricted… I’ve logged in and immediately made a payment. My account is all red in online banking, shows $0 available to spend (of $10000 limit). Anything I can do to prevent potential closure and reporting? Their customer service is available on weekdays only. Should I call and ask for forgiveness? Thanks!

What is thest best credit card to purchsae to maximize what ever points benefits I'm going to get out of this one time purchase? I'm ok with this being a one time things for this purchase and then getting another card for when I'm back. I'm really just wondering how I can really take advantage of trip and the money I'm going to spend.

• Current cards: (list cards, limits, opening date)
  • Ally $1,700.00 limit, Nov 2022
  • American Express Delta Skymiles Blue $4,600.00 limit, Jul 2022
  • American Express Blue Business Cash $6,000.00 limit, Mar 2024
  • American Express Platinum N/A limit, Jan 2025
  • BMW Precision World Elite $6,000.00 limit, Jan 2025
  • Capital One Spark Business $2,000.00 limit, Jul 2023
  • Capital One Venture $5,800.00 limit, May 2015
  • Chime Credit Builder N/A limit, May 2023
  • Citibank Diamond Preferred $300.00 limit, Sep 2014
  • Credit One Platinum X5 $1,150.00 limit, Mar 2022
  • Credit One Amex $1,175.00 limit, Jun 2019
  • Credit One Amex $1,250.00 limit, Apr 2023
  • Mercury $4,750.00 limit, Nov 2022
  • Merrick $1,800.00 limit, Dec 2021
  • Mission Lane $3,600.00 limit, Dec 2021
  • Nebraska Furniture Mart $2,000.00 limit, Jul 2023
  • US Bank Altitude Go $2,000.00 limit, Jul 2022
  • US Bank Business Platinum $3,000.00 limit, Feb 2024
• FICO Score: 734
• Oldest account age: 10 years 4 months
• Chase 5/24 status: 0/24
• Income: $627,065
• Average monthly spend and categories:
  • dining $400
  • groceries: $1000
  • gas: $300
  • shopping/entertainmnet: $1000
  • Utilities: $690
  • Streaming: $25
  • Insurance: $454
  • Internet/Phone: $487
  • Travel: variable but around $6500 - $9000 / yr
  • other: $300
• Open to Business Cards: No
• What's the purpose of your next card? Travel but used for daily expenses
• Do you have any cards you've been looking at? Amex or Capital One Savor
• Are you OK with category spending or do you want a general spending card? General

I'm looking for some direction on how to optimize for travel.

I've been working on adding cards to increase my available credit since I started with my Citibank CC back in 2014. This card never granted a credit limit increase and is basically worthless other than the age of the card.

Over the last year I've been using my Altitude Go for utilities, streaming, insurance, and other typical recurring monthly charges and my Delta Amex for day to day things. This card was previously a Gold card but the cost didnt justify what I was seeing in terms of points as the Delta specific points were only usable when a good deal was going on.

I really like the felxibility of Amex and being able to pay off my balance over the course of a month to allow for additional spending. With the altitude go there is a bigger delay as I have to wait for things to fully process before making a payment which in some cases is a week.

Other callouts are the BMW Card mainly for discounts on performance driving courses but I've been using it for gas since it's 5x. Not sure on the returns yet or if I will/should switch to another card.

Because of bookkeeping I'd rather not take on another business card and am looking for more personal card reccomendations.

I like to travel several times a year for long haul flights with a few shorter flights for work during the year. I'm looking for the best way to either add a new card or use my current cards to optimize for travel. I'd prefer flexibility on airline or hotel options and to not be locked into something like I am with Delta right now.

Based on point earnings for what I have I think I should be doing this:

• Hotels: Amex Plat
• Flights: Amex Plat
• Groceries: US Bank Altitude Go
• Gas: BMW Precision World Elite
• Other: Cap One Venture

What are your reccomendations for cards or fixing the way I'm going about this?

* Current cards:

* Target RedCard $8,500 limit, November 2003 (Authorized User)

* Discover It $10,500 limit, December 2012

* Best Buy Visa $5,000 limit, July 2014

* Amex Blue Cash Everyday, $15,000 limit, June 2015

* Amazon Visa $14,100 limit, January 2016

* Chase Freedom Unlimited $8,600 limit, January 2019

* Apple Card $7,500 limit, October 2019

* Capital One BJ’s $16,000 limit, October 2020

* Chase Freedom Flex $5,500 limit, July 2021

* Amex Blue Business Plus $15,500 limit, April 2024

* US Bank Altitude Go $10,000 limit, August 2024

* FICO Score: 800+

* Oldest account age: 21 years, 2 months

* Chase 5/24 status: 1/24

* Income: ~$130k

* Average monthly spend and categories:

* Note: All numbers below are averaged from 2024

* Dining $180

* Groceries: $175

* Gas: $120

* Travel: $300

* 2023 was less than $100/month for travel. We’re traveling more starting in 2025 and this increase is just for two of our trips in 2025. One still has several thousand due through our travel agent.

* Home Repairs & Improvement: $415

* Internet, Water, Electricity, Gas, and cell phone are all paid through business account.

* Open to Business Cards: Yes. I have a small business and currently use the Blue Business Plus for all my spending there. I have pre-approvals for Chase business cards (see below) but would use them for personal spending to hit the SUB requirements.

* What's the purpose of your next card? Great SUB for travel points or cash back. Ideally this would be my “we need something for the house and it will cost $3000 let’s use this card” and our go-to travel card for all future trips.

* Do you have any cards you've been looking at? Yes, but I’m open to any ideas.

* Capital One Quicksilver - Sent a $300 cash back for $500 spend offer. Great deal, but not for what I need right now.

* Chase Sapphire Preferred - 60k bonus points with $4,000 spend.

* Chase Ink Business Preferred - 90k bonus points with $8,000 spend.

* Chase Ink Business Unlimited - $750 cash back with $6,000 spend.

* Are you OK with category spending or do you want a general spending card? I think general spending will be better for my ideal card at the moment since it’s all going to be travel and big random purchases. With my current cards I have decent coverage for my spending categories and I plan on getting the Wells Fargo Custom Cash in the future to have another category at 5%.

Edit: Attempted bullet point formatting.

2 days ago I got a refund for $246 on my Citi Double Cash card from "Home Owners Insurance Boston MA."

I've never done business with this company and haven't received any refund notifications from my actual insurance company.

Anyone heard of this company or had something like this happen, getting an unexpected refund from a company you've never done business with?

I'm looking for some recommendations on how to proceed with my current card lineup. I currently have the Freedom Unlimited, Costco, Discover Miles, and Amex Gold card. I like the Amex card but am not sure I can justify the increase in the AF because I don't have use for the Dunkin' or Resy credits. I'm looking for a good all-around card with good travel benefits, since I do travel and stay in hotels a decent number of times per year. Do I pursue a retention offer from Amex? Downgrade/close and upgrade the Freedom Unlimited to CSP or CSR? I'm open to any suggestions.

Thanks

Looking for recommendations to add another (or multiple) cards to my profile. Ideally looking for good cash back options or rewards points.

CREDIT PROFILE

•  Current credit cards: Citi Double Cash, 16.5k limit, 11/2019; REI Co-Op Capital One, 14.8k limit, 08/2021.

• FICO Scores: Experian 824

• Oldest credit card account age with you as primary name on the account: 5 years

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

• Annual income $: 90k

CATEGORIES

• OK with category-specific cards?: YES

• OK with rotating category cards?: YSE

• Estimate average monthly spend in the categories below. Only include what you can pay by credit card.

•     Dining $: 100

•     Groceries $: 3-400

•     Gas $: 150

•     Travel $: 200 - rough estimate

MEMBERSHIPS & SUBSCRIPTIONS

•  Current Verizon postpaid customer?: Not sure if "post paid" but do use Verizon

PURPOSE

• What's the purpose of your next card (choose ONE)?: More cash back than just the 2% with Citi card

• Do you have any cards you've been looking at? I've checked out the templates but it's a little overwhelming

I know people here are good about how each institution works. Is this usually a bad sign?

I have a Chase Flex and Unlimited, apple card and WF autograph as my current portfolio. Have a $1500 car expense coming up that I would like to get the most % back on possible. I’m only at 2/24 as well, so I probably could get 2-3 since my score is solid at 769.

Any recommendations would be awesome!!

Currently looking at the Kroger card that gives 5% on your first 3k in mobile wallet spend, fidelity 2% catch all, or one of the many 5% choose your own/rotating cards that are left. Also really like the Verizon Visa.

Hy everyone I'm a international highschool student applying to NYU and I need pay CSS fee but I don't have their listed credit cards can you please help me who has visa , mastercard, American express, discover, diner's club

Hi can anyone give me tips and tricks on what credit cards give the highest limits right now and how to obtain them also if I need to become a member somewhere and apply in couple months also let me know those thanks in advanced)))

Hey everyone

I was talking to a mutual friend about my finances the other day and they sent me a link for a Carding Tor website named Chucky's. I went to it and it was an email address for inquiries. They responded w a document about their services. I'm interested, but of course there is always risks. Has anyone used them? I tried searching, but couldnt find anything - which makes me think it may be for real since all the scam ones are listed. Also not sure where this should go.

Thanks

https://apnews.com/article/trump-chopra-consumer-financial-protection-bureau-47b6b39d0eff05ea0c9bca4eacf55b79

I wonder if this is the beginning of the end of the CFPB?

• Current cards: AMEX Gold (N/A limit). AMEX Platinum (N/A limit). Chase Freedom Unlimited ($11.5k limit). Chase Sapphire Reserve (21k limit). Discover Card (Oldest)(4.8k)
• FICO Score: 734
• Oldest account age: 4 years 8 months
• Income: e.g. $60,000
• Average monthly spend and categories:
• dining $150 groceries: $300 travel: (yearly travels - company pays) dining out: $100 other $1200
• Open to Business Cards: No
• What's the purpose of your next card? travel, cash/points back
• Do you have any cards you've been looking at?: My goals is the Venture X and Chase Flex
• Are you OK with category spending: Yes
• 2 late payments (30+ and 30+ days)(One over 5 years ago and the other 2 years ago)
• My utilization is at 1-3% I never missed a payment ever since then. One late payment was removed due to my circumstances.
• 4/25 chase rule

Was at DFW, Centurion Lounge was stuffed with people, 25+ person line for food, took a while to find anywhere to sit… tried CapOne Lounge too but they had a wait list and couldn’t get in… just too easy for clowns like me to get these once premium lounge cards… anything out there that costs more and is exclusive?

Howdy! Longtime lurker, first time poster. Trying to nail down a card to use for business expenses and I think I've narrowed it down to these two.

We fly Southwest for about 90% of our domestic flights (and we fly quite a bit) and already have a Marriott CC we use for most personal expenses. Our closest airport is also a United hub. The ability to transfer points directly to those three brands seems like a positive.

Cap1 Venture gives 2x points on every purchase, and most of my expenses won't fall under the bonus categories offered by Chase especially since we rarely eat out. That seems appealing, but none of their transfer partners are brands we use at all.

Cap1 seems like it would potentially give us more since it's double miles, but how easy are those to actually redeem? There aren't a lot of other perks with the card either, which makes me lean towards Chase.

Any insight from users of these cards would be great!

Hello everybody

I am currently 18 years old about to turn 19 in couple months and I’m a college students. I recently applied for the C1 quicksilver credit card and I was approved. I have $1,000 credit limit so I’m not planning on using it for for anything that’s not important, only gas and groceries. What are some tips so that I can have a good credit score in 6 months ?

I am past my 20s and never had a credit card, so I thought. My parents have a BP rewards visa credit card that put me and my siblings as AUs and I found my credit score was already at almost 750 even though I never knew it existed. However it was almost like a fake 750 and it held no value. It was years of tiny gas purchases from all of us. 2 months ago I applied for some credit cards and was getting denied every single time and gave up after a few days. Eventually with my bank I got a normal credit card with a 2k line of credit. It gives some points but nothing crazy. I tried mid of December and early Jan and kept getting denied for ones apps like experion said I should be able to get. Tanked my credit score almost 50 points. Learned not to do that. Well it's been 2 months since I got that first card and I finally just got a capital one savor card for some cash back options and a 3k line of credit. I also got my points back from those failed attempts and back up to a 730. With these two I now won't have to worry about going over that 30% on one line of credit rule and I'm hoping it'll help my credit over all. So now that I have all of this, I am not going to take a loan out , I can't afford it, but I was thinking of adding a secure line of credit like 500$ but not through my own credit card , just one on its own. Is this worth it or stay on the grind and aim for another even better card in a couple months? My goal is to get over 800 but that's my long term goal. I know it's going to take a lot of time. But if my score bumps back up next month due to the drop in failed attempts in January and my full payment as it comes in habits (I never do payments I only ever pay everything off as it comes), it should hopefully be back to a 750 and a lot more solid one.

Been doing a lot of work lately on my credit and I’ve successfully gotten my score up to around 660 with some pretty excellent payment efficiency and total balances.. my main bank, Chase, has pre approved me for 5 different cards.

Sapphire preferred Sapphire reserved Freedom Unlimited Freedom Flex Slate Edge

I basically do my every day spending on credit cards and I always pay my balances on time. I do travel a few times a year (hotels, sometimes fly) and would probably be more incentivized to do so if I were to get one of the travel cards. I’m just wondering if the sapphire reserved would be worth it if I’m only going to be traveling maybe once or twice a year, or If the freedom unlimited card is better for me as just a daily card with good cash back. I guess I’m just looking for some general information on these cards.. specifically the sapphire preferred and the freedom unlimited since those are the two I’ve narrowed it down to. Unless someone can sway me!! Thanks

As the title states, I'm turning 18 soon and want to get a head start on my finances. I have worked consistently since I was 14 - with only 2 job switches. I would like to say I have a good work ethic on top of school. Although not much in comparison with grown adults, I make 2k a month as a full-time high schooler.

I want to build a good credit so I can purchase a newer car before I leave for college in August. (By newer, I mean like a 2010+ Toyota or ford around 6-8k)

What would be your best piece of advice for me?

I have a few questions about the CSR’s partner benefits. I see the 5x on Lyft and Peloton ends in March—any word on an extension or a new partner? I’ve never used Lyft since Uber is always cheaper, so a partnership with them would be great.

Also, for the $120 Doordash/Caviar credit—that’s $120 total, right? I don’t use Caviar (no idea what it is), so can I use the full $10 monthly credit on Doordash, or is it split $5 each?

Rare cap1 occurrence lol because my cli got declined 2 days ago.

• Current cards: Navy Fed cash rewards (opened 2004, $25k limit), Capital One Venture (opened 2010, 12k limit), USAA Rewards (opened 2012, $12k limit)
• FICO Score: 820
• Oldest account age: 20 years
• Income: $300k+
• Average monthly spend and categories: $2-5k
• Open to Business Cards: e.g. maybe?
• What's the purpose of your next card? Work travel except for flight
• 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? General

Recently retired military, transitioned to new role and travel 1-3x a month. I have to use my corporate card for my flight but have about $2-5k monthly non-travel spend. Ideally I’d like a card that I can get benefit from hotel and delta status. Primary is Marriott, backup is Hilton. I was looking at the Amex Platinum but with the changes to delta lounge, not sure if it’s worth it anymore. And if I’m being completely honest, I’m not sure if I’ll take advantage of it based on my travel habits. The hotel status is nice though. I’ll likely fly about 5k miles a month, and maybe 3-4 times a year that’ll be closer to 10k. I know I’ll accumulate miles and nights and build Delta/Marriott status, but a jumpstart or consistent status would be nice.

Is it possible to buy generic(not store specific) gift cards with a Bank of America Visa credit card?

If yes, do the purchases count as a cash advance? I can’t find answer specifically online about this bank credit card.