I love credit cards so much!

[Judique]

Would a Lowes credit card count on 5/24? I was counting it in but now I read somewhere that store cards are not counted. Can anyone confirm?

 

[Alexle2007]

Would a Lowes credit card count on 5/24? I was counting it in but now I read somewhere that store cards are not counted. Can anyone confirm?

I think it depends. I had opened a Banana Republic store card only (not a Visa) and Chase was counting it when I called recon.

 

[Jen and Ashwin]

Did you just say he was no longer an AU on the account?

When choosing the dispute reason on the Transunion site, there was the option to select that the account was owned by a relative or something else in the household. When I emailed Experian, I basically put the same reasoning as well in my email.

 

[WVMomof3]

There was a school of thought when 5/24 was coming into effect that reducing Chase credit lines would help with an instant approval with a new card. With all the DPs since then, I'd rather call recon and shift credit. Reducing the credit lines doesn't give you the ability to shift lines of credit to open a new card and also causes a negative impact on the overall credit score. Lots to learn in this hobby and it's nice to share experiences so we can all learn from each other.

I had wondered if cancelling one of my SW cards would be bad for my credit. I only have 2 cards in my name right now, both SW personal cards with very high limits. I will definitely cancel 1 of them at the year end. I guess I need to open more cards up and spread the credit around before closing? I had opened most of the new ones in DHs name so I guess time to shift back to me.

 

[disneymagicgirl]

I had wondered if cancelling one of my SW cards would be bad for my credit. I only have 2 cards in my name right now, both SW personal cards with very high limits. I will definitely cancel 1 of them at the year end. I guess I need to open more cards up and spread the credit around before closing? I had opened most of the new ones in DHs name so I guess time to shift back to me.

I cancelled one of mine prior to applying for the csp recently. Said in the SM that I wanted it close it, keep the other one open, and planned to app for csp. I had no problems. I however have prob 5 other cards so a bit different. I also have dis visa and another chase card, for a total of prob $75k in limits thru chase alone so I didn't want to app for the csp with all that open.

 

[peel]

Dh is approved for the Amex Blue Cash Preferred! Now just to wait for it to get here.

Would a Lowes credit card count on 5/24? I was counting it in but now I read somewhere that store cards are not counted. Can anyone confirm?

They counted my Amazon store card (not the Chase card) when I was reconning the CIP.

 

[Judique]

I think it depends. I had opened a Banana Republic store card only (not a Visa) and Chase was counting it when I called recon.

They counted my Amazon store card (not the Chase card) when I was reconning the CIP.

Thank you both! This thread is making me want to start another card. I need to chill.

 

[gottalovepluto]

I had wondered if cancelling one of my SW cards would be bad for my credit. I only have 2 cards in my name right now, both SW personal cards with very high limits. I will definitely cancel 1 of them at the year end. I guess I need to open more cards up and spread the credit around before closing? I had opened most of the new ones in DHs name so I guess time to shift back to me.

I would. Do you use the cards? If you use the cards cancelling one will cut your credit utilization ratio in half and will be noticeable to your credit score. If you never use the cards you're sitting at a 0% utilization rate anyway so it wouldn't matter. Getting multiple credit cards has helped stabilize that part of my credit score a bit.

 

[Albort]

I think it depends. I had opened a Banana Republic store card only (not a Visa) and Chase was counting it when I called recon.

i believe Chase just looks at your credit report, if it counts 5 hard pulls on credit in the last 24 months, it puts a stop...

 

[hsmamato2]

just applied for and got IHG at 80k+5 for Dh Au (that is his 5/24) advice- If I have 1k/85k right now, is it worth trying to get the 2k/100k offer ? that's like another 1k spend for 15k points..... not sure it's worth it,this way I only have to hit 1k -what do you think? also, considering an amex for groceries for DH(me as AU) I'm thinking the free one.... just b/c I'm juggling a few other AF's right now and don't want to add anything..... worth it? what's the highest historical bonus for this?..........edited to add I'm at 7/24 now-

 

[hsmamato2]

YC room? what hotel? 28k UR pts = $280. your looking at .0125 cents per point which is decent imo. even with 2 nights stacked, UR points still come out ahead as $671/2 = $335.50.

that's awesome- if 28k UR points = 280.00- let me ask you to convert SPG points (please??) what does 10k SPG =? is it 200.00?

 

[belle1986]

When booking my flights with miles do I have to pay with my aa advantage card or can I use the CSP? I think I get more points with the CSP, right?

 

[Albort]

that's awesome- if 28k UR points = 280.00- let me ask you to convert SPG points (please??) what does 10k SPG =? is it 200.00?

it depends on how you see SPG points. I see it as 3x since you transfer from SPG--> Marriott @ 3:1 ratio. so 10k SPG = $300 in my eyes. also 28k UR = 28K marriott points since its 1:1.

When booking my flights with miles do I have to pay with my aa advantage card or can I use the CSP? I think I get more points with the CSP, right?

both are 2x, but CSP 2x is UR so it might be more valuable. but it depends. if you fly AA a lot more than UR partners, u may want to consider AA. I dont know AA card very well, but i kinda glimpse through its T&C and it seems like you can book AA flights at a cheaper level based on how far u fly, something like 7500 miles for under 500miles or something. It a lot of factor that goes into your decision making. Im not sure if the AA card has travel insurance either. But it looks like the higher end ones, if u spend $40k, u get an additional 10k miles... something u can also think of applying your AA purchase to. The decision is up to you at the end.

 

[peel]

Is the Chase Marriott business card recon as much of a deep dive as the CIP? I've seen plenty of horror stories like mine for the CIP, but not anything about the Marriott card.

 

[ZellyB]

Has anyone ever been asked to supply documentation through Plastiq for a transaction? I paid my husband's car payment through it and a couple of days later got a notice that I needed to submit an invoice/bill documenting what the charge was for. The payment goes to Chase Manhattan Bank, so I thought maybe they just wanted to be sure I wasn't trying to launder money or something. LOL. Anyway, I did send them a copy of the invoice today, so hopefully that will take care of it, but I did wonder if that had happened to anybody else.

 

[gottalovepluto]

Saw I was denied by Barclaycard online so called recon. Verified what I had put in my app, what I do for work, what I plan to use the card for, they noticed I had an Aviator card and I offered to move credit lines around, everything was going pretty normal until CSR said ok, I have to pass you to my colleague now and I got passed to the Security Division. I'm in the send copies of your driver's license, social security card and a bank statement group now. Basically, send an ID thief's dream through the mail. Gonna send it but I'm going certified with a return receipt for that stuff!

 

[disneedee]

OK, i get to open another cc! got a big spend coming. not sure which i want more. the cip, ax platimum, or usb altitude.

 

[CyndiLouWho]

There was a school of thought when 5/24 was coming into effect that reducing Chase credit lines would help with an instant approval with a new card. With all the DPs since then, I'd rather call recon and shift credit. Reducing the credit lines doesn't give you the ability to shift lines of credit to open a new card and also causes a negative impact on the overall credit score. Lots to learn in this hobby and it's nice to share experiences so we can all learn from each other.

To be fair, I reduced the credit lines AFTER DHs app was initially denied. I already got the "We'll let you know" response. I wouldn't do it again but I'm not sure how much affect it actually had.

 

[disneedee]

OK, i get to open another cc! got a big spend coming. not sure which i want more. the cip, ax platimum, or usb altitude.

if i do the cip what is the best way to apply to get the most points? does this one have a 100,000 offer floating around?

 

[amalone1013]

I'm back with two questions.

I heard back from Transunion already saying they'll delete my AU account - yay! Any ideas on how long this takes to show up? Or not show up, in this case?

When I was on the Experian site for a dispute, I couldn't see my AMEX AU account in their list, not sure why that would be?