My closest airport is SFO and Im still starting my credit card journey which ecosystems work best for domestic. I want to go to New york and boston at some point maybe new orleans or nashville. Ecosystem wise its either chase or bilt but I prefer hilton hotels and International travel is also something Im considering Japan, Hong Kong

I have been paying electricity bill for the last few years with Amazon pay balance...IYKWIM.....but this month I am not able to pay the bill as it is failing every time...has anyone faced the same issue?

I have an Amazon store card and use it to shop at amazon which my family does a lot. I came across a youtube video today saying how great the Chase amazon card is and started wondering is it worth the switch? I would only use the card at amazon and i’m fine with the 5% to only be used at amazon. I have better cards for use outside of the amazon ecosystem but am i missing something like a great benefit. thanks in advance

I booked 2 Edit hotels on the same day. One was for an IHG hotel, so it was also eligible for the extra $250 Edit Credit

These were the dollars I left over on the cards in order for me to take advantage of the credits

Hotel 1 (Edit Hotel) = $253
Hotel 2 (Edit + IHG) = $255.21

However, since the bookings happened on the same day, it automatically took the Edit Credit AND Hotel credit from Hotel 2. So they only credited 5.21 for the Hotel Credit. I booked Hotel 1 first and a few hours later I booked Hotel 2.

I wanted to take $250 off each hotel. That’s why I left $250+ on each transaction so it can be billed to my card

I called Chase a week ago to ask them to adjust. They told me I’d have an answer in 3-5 days. A whole week goes by and i didn’t have a response so I called Chase again. They just told me there was nothing they can do and didn’t even suggest a solution - and she just hung up on me. That means in order to get the full credit, I would need to cancel both bookings, and then rebook them on separate days. Worse, the rates are now over $100 at the same hotel, so I can’t cancel and rebook

Is there an easier way to do this? I read stories elsewhere that it should be easy for Chase to do this

I’m kind of frustrated, and if this is what needed to be done, I wish they told me a week ago

I've been rocking it since 2026 started I believe and I like that it shows how much of the qualified spending you've used

I'm about 11k out of 20k so far

Any other 3% cards? Still out there?

So boom I'm a 20yr old in college and recently I've been getting more into the world of credit cards currently i have about a year and a half of history and currently only have the freedom unlimited. My credit score is 690 I was looking at other cards to apply for I was mainly looking at the Robinhood gold and the capital one savor. Just looking for some thoughts and recommendations.

My BCP AF should post on December 20. I'm thinking that since the Freedom Flex covers both groceries and streaming for Q1, this would be a good time to try this trick and have a backup plan should they not offer the upgrade.

I'd like to have no gap between grocery coverage (yes, I know the Flex covers groceries Q4 too, but I'll probably be making it out on restaurants).

How long after the AF fee hits can I wait before downgrading? If I'm a few days late, do they prorate a couple bucks? In case I don't max out my Flex Q4, is it detrimental to downgrade a few days BEFORE the AF?

I wonder how it works because some of the purchases I made on Amazon offer 0% apr on pay over time with chase but some purchases don’t.
I purchased MacBook air and nintendo switch2 these orders were eligible for 0% pay over time and still able to get 5% back with pay in full on amazon.
But Order I recently made an order of $158 which is 2 Nintendo games were not offered 0% apr on chase pay over time.
Why is it doing differently? What am i missing

Been using this card for a while, works great. Anyone know a way to make more payments qualify for the cashback? Its only good for online and mobile purchases.

Hi everyone! I’m a 20 year old college student about to take a 3 month trip through Southeast Asia, and I want a card with no foreign transaction fees. I’m open to paying an annual fee if it’s worth it.

Current cards:

• Discover it Student, $2.7k limit, opened (oldest, 2 years 9 months)
• Amex Blue Cash Everyday, $15k limit, opened last year
• Wells Fargo Active Cash, $17k limit, opened 1.3 year ago

Stats:

• FICO: 753 (Capital One)
• Average age of accounts: 1 year 11 months
• Income: $103k (future job)
• Cards opened in the last 12 months: 1
• Cards opened in the last 24 months: [number]
• No loans
• No business cards

Spending (monthly):

• Gas: 250 (commute to work)
• Groceries: 200
• Dining: 80
• Travel/entertainment: 600
• Other:

Hi everyone! I’m a 21 year old college student about to take a 3 month trip through Southeast Asia, and I’m looking for a travel card with no foreign transaction fees. I’m open to paying an annual fee if it’s worth it. I’m a little worried about having too many cards open at my age, so I’d also love to know if a fourth card is a bad idea.

Right now I have three cards. My Discover it Student I use it mainly for the 5% categories. My Amex Blue Cash Everyday I use it for gas and groceries. My Wells Fargo Active Cash I use it for everyday purchases.
For the trip, I expect to put around $4k on the card for flights, plus about 2k for hotels and tours. I’d love a good sign up bonus. I’m considering the Chase Sapphire Preferred or Capital One Venture but I’m not sure it’s worth it for me. I’ll use a separate debit option for cash, so I mainly need a card that works well for purchases abroad. Im also trying to think about my future and which is most usefull for me

If the new card ends up being better than my current ones in every category, I’d also like to know how to keep track of whether I’m actually coming out ahead, since a points card and my cash back cards are hard to compare directly.

Any recommendations? Thanks!

Curious on the title as I'm quite invested in three major ones, not sure if I want to go into the churning route, consolidate in one or keep all three and branch even further out. Somedays I feel like a one card setup would be nice if capital one's checking account wasn't so annoying to use I'd probably consider it.

My credit profile consists of 4 paid off loans and 2 active loans and they have all been secured meaning no hard inquiries.

Current credit score “unscorable” my active loans have yet to reach 6 months of credit history.

The only account I have with PNC is a HYSA with $19k currently..

On October 1st, I went to a PNC branch and did a pre-approval for the cash rewards credit card with a $250 SUB. The banker told me I was approved for a “$3k limit” , so I decided to do the application and I was told it would be a hard inquiry.

October 5th, I received a call from PNC about the CC application and it was a brief summary of the info I put on the application. Then they asked me questions to verify my identity. Shortly after, I received 2 emails asking for documents. An SSA-89 and 1040 form. So I sent those that same day.

Next day Oct. 6, final request from PNC was to e-sign a 4506-C form because they wanted to verify my income. I'm low income making $38k yearly.

A week later Oct. 13th I called to inquire about my application status. I was told they were still waiting on the IRS for the tax transcripts.

Today the 15th, I checked my email and I actually got approved with a $1250 credit limit and this will be me 1st credit card.

I also received a Credit Score Exception Notice which says "your credit score is not available from Experian, they may not have enough info about your history to calculate a score"

So now, I will wait for about a week until I get the card in the mail and start to use it to build my credit responsibly!

I’m looking to apply for the Amex BCP card to take advantage of the 0% intro APR, but I’m looking to keep the Amex BCE card I already own. However, when I login to Amex’s website, I’m only given the option to “Request an Upgrade” for my BCE card.

Is it possible for me to retain my BCE and apply for a separate BCP card, or am I only allowed to upgrade?

I currently have an Citi AAdvantage Executive card. I basically used the card to ensure status on the airline. However, with the benefits of Executive Platinum getting watered down, I was thinking that I was not getting the best value out of the card. If I change, what would be the best card for travel benefits? Not really all that concerned whether the points go toward flights, cruises, hotels, etc. Just looking for a card that gives the most.

I'm looking for a card that has 0% APR for a few months, and a relatively high credit limit.

Good cashback would be a bonus but not a requirement.

I don't need to do a balance transfer but I'll be using it for the next 3-4 months while I try to get back on track with finances after some unexpected expenses.

I've noticed that those two might be good options, but I'm not sure what kind of credit limit I might get:

- American Express Blue Cash Everyday

- Chase Freedom Unlimited

FICO: 740

Current cards

Card 1: 5,500 limit - 3 yo

Card 2: 4,500 limit - 2 yo (Discover)

Yeah, my credit history is very short but I've never missed any payments. So I hope that increases my chances of approval with a good credit limit.

Thank you in advance!

Applied for a BCE card and was denied due to low fico score. Reapplied after a week since my fico score had gone up (paid down utilization to 0% and score bounced back to 735), but was hit with an auto denial for applying too soon after the first denial (have to wait 30 days). Do I now have to wait 30 days from that initial denial or 30 days from the most recent auto denial? Called to ask Amex rep but they said they didn't know.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* Player 1:

* Southwest Chase Card

* FICO scores with source: 780

* Oldest credit card account age: 5 years

* Cards approved in the past 6 months: 1

* Cards approved in the past 12 months: 1

* Cards approved in the past 24 months: 1

* Annual income $: 200K

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 200

* Groceries $: 800

* Gas $: 300

* Travel $: 1000

* Using abroad?: no

* Other categories or stores: no

* Other spend: I plan to spend $10,000 on a new roof in a week or two.

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Costco or Sam's Club member: Both

* Big bank customer: Chase

PURPOSE

* Purpose of next card: Travel Rewards

* Travel rewards preferences: Hyatt

* Cards being considered:

ADDITIONAL INFO

My goal is to have enough points to book a stay in December in Chicago. Looking at the Hyatt or similar hotels in the area. Spending $10,000 in the next few weeks, might as well get some points out of it.

My wife and I are going on a trip mid December. If I get a card now and spend the $10,000 in the next few weeks. Would I have any points quick enough to book a hotel for this trip? Also - what card would you go with if my primary need is hotel stays this December?

I wanted the sapphire preferred since I was going on a trip this December but that fell through so I didn’t even bother applying, mostly cuz I thought I’d get rejected because of a student loan I just took out that dropped my score 50 pts. I also just opened up a capitol one savor card, what pisses me off is that now that l don’t really want the card anymore/don’t need it at the moment, now I get pre approved for it 🫩

I was watching this youtube video "7 Reasons Why You Need to Start Banking With Langley Federal Credit Union"

It said something about this: "Double Dipping: Members can apply for two credit products (such as two credit cards or a loan and a credit card) within a 30-day window using only one hard credit pull (4:19 - 4:53)."

The video seems to be from 2024 though

1. Anyone tried this recently (when?) Ex: applying for two Langely credit cards within a 30 day window?

2. Within that 30 day window, what's a good amount of time to space the two Langley FCU credit card applications out?

3. Anything that could go wrong/downsides of this strategy?

4. Is having two cards on your profile (even if only one hard pull potentially) still not worth it?

5. Should you... combine this with any intentional credit freezing strategies?

I'm eyeing these two cards to try to get a 200+100 bonus.

a) Langley FCU- Signature Cash Back

Earn the most rewards on your spending

Fair Credit

Earn $200 for spending $3,000 in the first 90 days of card opening1

Up to 5% cash back on everyday purchases

b) Langley FCU- Platinum Quint

Earn consistent, simple cash back

Fair Credit

Earn $100 for spending $1,500 in the first 90 days of card opening4

Earn consistent 1% cash back on daily purchases.

I still have my US Smartly credit card for 4% cashback with $100K in assets including investments.

Just wondering if you are having any issues getting the 4% cashback or if the investment platform is a pain with a lot of fees?

I haven’t changed to Smartly because I’ve been using Robinhood Gold with 3%. Considering moving my investments to US Bank for the 4% cashback.

Fraud charge hit account 4/5/2026 from a Walmart 80 miles away. Walmart, Ally, and Ollo credit card all no help at all. They all lose a customer for life. Ally has a lot of ties to the car industry avoid them and Ollo card in all forms.
As far as Walmart goes they were contacted about the disputed transaction as well. No help at all. It’s obviously a gift card fraud purchase; they bought Apple gift cards on the charge.
Walmart has gotten so bad since Sam passed away. I guess the Waltons aren’t rich enough and need to take money from the lowest income earners in the Country by not removing this fraud charge.
Filed a FDIC complaint against all of the above today. Don’t do business with any of these companies; I won’t any longer.

Tend to order groceries and restaurants on DoorDash especially more now due to CSP’s DoorDash pass and benefits

I learned about the Costco method(20% off) from my last post(thanks!!) but it seems Costco is out of cards. Are there any other methods

Also would appreciate any similar hacks for online grocery shopping- Amazon, etc

Would love to save even more :)

I had planned to apply for the IHG card just before they nerfed it. The card seems a lot less attractive to me now though, and I'm trying to decide if it's even worth applying for, or if I should just cross it off my list?

At this point I'd be applying for it just to get the SUB. Then I would either cancel it or convert the card to their no annual fee card, as I can't see keeping this card longterm with the increased annual fee and reduced perks. It also looks like IHG rewards points have been devalued and don't get you much. When I try to figure out what I can actually get with the SUB points, it appears that in most places it's equivalent to a few nights at a Holiday Inn, and the $150 one must pay for the annual fee reduces the value of the bonus by that amount.

The other card I want to apply for is the BoA customized cash card, but the IHG premier and customized cash are so different that I don't really know how to compare them.

One thing in favor of my applying for the IHG is that it has a higher spend requirement and I will be able to meet the requirement right away because I already have a purchase in mind for next month. So it really comes down to whether it is worth getting this card over the customized cash just for the SUB alone?

What do you guys think? Please let me know if I'm missing something, or if you think there's a clear reason to get the IHG, even after the changes Chase made to the card.

Hi all, frustrated at this, but I've been charged for an uber ride outside of the country I live in and Citi mobile denied my dispute. I'm talking with uber about getting that money back right now.

I'm actually thinking of deleting my uber account and possibly closing my credit card account because of this. The charge was nominal, but I am shocked that the company wouldn't realize that I was not visitng that country and refused to work with me on resolving this.

Does anyone have any advice on this?