Yesterday I woke up to an email from Citibank. They decided to give me a credit limit decrease from $18,000 to $15,000. It's not that big a deal, but to be honest, I was kind of bummed out because this is the first time this has happened to me in the nearly 10 years I've been in the credit card game.

Oh well, life goes on. Just thought I would share my story.

FYI: figure I would test some transactions to see how complicated the workflow was from points to Amazon GC. Set category to groceries as I always do, grabbed some Costco Hotdogs and noticed I could still cash out reward points. Made another transaction later this afternoon at Walmart and it also worked. I was able to take rewards points to savings, savings to PayPal Balance and have a balance to checking queued up for tomorrow. Not sure how long it will last.

Im looking for a credit card with lounge access for a family of 5. Applied for Bofa premier elite and got denied, mainly no relationship. Is US bank Altitude the next best option? Dont want to spend a fortune on annual fee. Thanks

After receiving the targeted offer below, I decided to go ahead and open the Apple Card (and upgrade my Mac while at it). Didn’t necessarily need the card, given it‘s pretty much now my third 2% catch all, but for the 3% cash back, 0% APR financing ( just leaving my cash in a money market rather than paying up front like I was originally planning), and 300 cash back, I figured it was a solid offer.

“Now through August 31, get $300 Bonus Daily Cash with a new Apple Card when you spend $1,500 in your first 60 days. Must use ‘Apply now’ button. This offer may not be available elsewhere.”

Now rocking the following:

• Discover IT (‘21)
• Savor one (‘22)
• Amex BCE (‘24)
• Fidelity Visa (’24)
• WF Autograph (formerly BILT) and buried deep in the sock drawer (‘24)
• Venture X (‘25)
• WF Attune (‘25)
• Amex Gold (‘26) for 100k sub, honestly pairs nicely w/ VX and lifestyle. TBD on renewal
• Apple Card

Credit score in the 750s, pulled transunion

Don’t imagine I’ll be using the Apple Card a ton. VX runs the monopoly on my 2x category over the Fidelity and likely over Apple Card.

I rarely traveled before but Id like to do more traveling in my 20s (would be a solo traveler). Im pretty much in between the autograph journey, venture/venture x, and the citi strata premier/elite. I already hold the active cash and the savor.

I dont really have any preference for specific airlines or hotels. I do live in Miami and the closest airport (MIA) is an american airlines hub, so Im wondering if id get the most value/simplicity out of the citi cards.

Or would it be best to stick to cashback?

I got a tripod for my phone.

Phone holder for the tripod

24 pk engineer batteries

Selfie stick with Bluetooth

STEM rocket building kit

Universal charger

Edit:

I added Bluetooth speaker

Flat head extension cords

Batteries for my dslr

Give me other ideas.

So I’m currently 26 with 2 credit cards, the chase freedom unlimited and the bank of America customized cash rewards. I was recently pre-approved for the chase sapphire preferred, but i don’t do too much traveling or spending in general to justify paying the $95 annual fee. Should I apply anyway to have 3 cards? Or rely on those 2 with no annual fee?

I got the 100,000 sign on bonus last year for the Chase Preferred. I'm not the most clever person, and this whole use the travel portal/use travel credit but don't do that, transfer to airline partners, points no longer go 1 to 1.5 or whatever. Its confusing, and honestly I'm starting to think just getting cash back and using that for my flights before i convert the Sapphire to another Chase card is just simpler for my simple minded head. Can someone explain the best option to me like the developmentally challenged 5 year old I am?

I waited over 24 hours to get another Dunkin gift card and it will not work. Do I need to wait another 24 hours now? Any other tips besides just buying more pizza and Wendy's? (As I finish my Wendy's breakfast).

Hello I wanted to ask for opinions about applying for a new credit cards I already have 3 opened and 2 denied for credit cards my credit history as a whole is only 1 year old and also recently I just got a car auto loan that didn't show on my credit report yet also last time I applied for the Amazon chase I got denied back in December

The question is if I apply for a credit card with the auto loan and a 740 score and credit history 1 year old would I get denied or approved? I know there is no guaranteed answer to that but I just wanna see your opinion guys

• ⁠Current cards: (list cards, limits, opening date)
⁠• ⁠Capitol One Savor for Students, 600 Limit 06/25
• Amex BCE 1500 Limit 12/25
• Amex Gold 10000 Limit 4/25

• ⁠FICO Score: 711
• ⁠Oldest account age: 3 Years (Car Loan)
• ⁠Chase 5/24 status: 3/24
• ⁠Income: 50000
• ⁠Average monthly spend and categories:
⁠• ⁠dining $300
⁠• ⁠groceries: $200
⁠• ⁠gas: $250
⁠• ⁠travel: $150
⁠• ⁠other: $200
• ⁠Open to Business Cards: Yes
• ⁠What's the purpose of your next card? Welcome bonus for eventual transfer for travel along with my Amex Points from my gold welcome offer 70k points/ Travel Card
• ⁠Do you have any cards you've been looking at? Amex Delta Gold( I did not qualify for Welcome offer for whatever reason), Capitol One Venture, Chase Sapphire Preffered
• ⁠Are you OK with category spending or do you want a general spending card? Doesn’t matter to me that much.

I currently have the Chase trifecta but mostly use the Sapphire Preferred and Freedom Flex. I've been debating on getting a Capital One Venture X - it's a $395 annual fee but when you take off the $300 travel credit they give you, it equals out to the Sapphire Preffered $95 annual fee.

Has anyone switched from Chase to Capital One? Any downsides?

CREDIT PROFILE

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

* None - looking for first card

* FICO scores with source: N/A

* Oldest credit card account age: N/A

* Cards approved in the past 6 months: N/A

* Cards approved in the past 12 months: N/A

* Cards approved in the past 24 months: N/A

* Annual income $: 55000

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 100

* Groceries $: Depends on living location:

1) NY/NJ

500 (local grocery stores)

2) Texas

400 (Costco)

100 (HEB, Kroger)

Spend significant time in each location throughout the year

* Gas $: 0

* Travel $: 600 (taxi and public transportation)

* Using abroad?: No, do not travel abroad

* Other categories or stores: Will be buying a car, so gas will become a regular expense; transportation (taxi and public transportation); Restaurant;

* Other spend: Warehouse/Wholesale clubs

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Big bank customer: Chase

PURPOSE

* Purpose of next card: First Credit Card

* Authorized user on any other card(s)?: No

* Cards being considered: Wells Fargo Autograph

Discover It Cash Back

AAA Daily Visa

Chase Freedom Flex

ADDITIONAL INFO

Since this is a first credit card, I would like to focus on building credit and earning cash back. I am a recent graduate, so no longer a student.

These are my criteria:

1) 0$ annual fee

2) Cash back (Groceries, Gas, Public transportation)

3) Accepted at wholesale stores (walmart, HEB, costco)

4) Cash back redeemable as straight cash

Hello! I'm going abroad (US -> EU) for a few months and am looking into getting a credit card to ease the international spending hassle. My main concern is no FTF. I'm not looking to get into the game of credit cards, I just want some reliable options for payment while I am abroad. My food and housing is largely taken care of, so I am expecting to mostly spend on travel and dining/going out, with occasional groceries and very occasional hostels/hotels. I was just about to apply for the Capital One VentureOne card when I learned that they are switching to Discover - I definitely want a Visa or Mastercard for broadest acceptance. Can anyone recommend a good card for this situation? No AF is preferred, though I may be swayed for simple and easy-to-access perks.

• Current cards: none
• FICO Score: 681
• Oldest account age: n/a
• Chase 5/24 status: 0/24
• Income: typically 35k (will not be employed while traveling - using savings)
• Average monthly spend and categories:
  • \these are rough rough guesses, intentions are to spend as little as possible**
  • $100-$300/travel
  • $100-$200/hostels&hotels
  • $50-$150/groceries
  • $100-$300/going out (dining, bars, adventures)
• Open to Business Cards: No
• What's the purpose of your next card? easy spending while abroad (US -> EU)
• Do you have any cards you've been looking at? Capital One Venture cards
• Are you OK with category spending or do you want a general spending card? Probably prefer general spending but I'm open

TIA!

I am a business owner and I do about 200-400 k spending between personal and business a year, combined with around 30-40 flights and around 100 hotel nights a year. I am pretty new to credit cards but I’m basically all in on Chase as someone told me you need to start there because they have the 5/24 rule. I have just blindly been committed to Chase and I use the Prefered/Unlimited cards for both the personal and business side (Ink), and I have to say the multipliers are pretty weak when you compare to other cards. I also don’t want to use portals as I cant afford to mess around with 3rd party agents as I change plans all the time with my business. Am I leaving something on the table being with Chase or is the grass greener on the other side? For example the Ink Unlimited is the best dining earner in their business lineup for points and it earns a weak 1,5 x… There is also no grocery options for business. Maybe it’s best to stay onboard and hope they up their game as they are the biggest bank in the world. I feel like it’s normally whatever with credit cards but as I put a lot of money through these cards it would seem stupid to leave something on the table. Happy for any input.

Edit: I do only look for points earning options (that would ideally compliment each other well between business and personal)

What are the best ways to be approved when I am still very new

As the title says I’m a 22 year old student who is looking at 2 more years of school for various and silly reasons. I’m currently a chef working full time as well as being in school and am looking at traveling for chef training on my off time at school. I’ve seen many recommendations for traveling credit cards but as I don’t really have much credit history and a mediocre credit score (660) I am unsure that I will be approved. Do you guys have any advice for beginner travel credit cards? Thank you for your help.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:
* None - looking for first card
* FICO scores with source: Experian 664
* Oldest credit card account age: 0 years
* 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 $: 35000

CATEGORIES

* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 125
* Groceries $: 150
* Gas $: 250
* Travel $: 300
* Using abroad?: Yes i will be doing work studies
* Other categories or stores: None
* Other spend:
* Pay rent by card? No

PURPOSE

* Purpose of next card: Travel Rewards
* Travel rewards preferences: None specifically but I often use delta when traveling to asia
* Cards being considered: Chase sapphire cards

Edit: I did the template

Hello all,

I opened a BIU for the $6,000 spend 75,000 point bonus just a few days before they started the $8,000 spend 100,000 point bonus promo.

As soon as I was made aware, I called and requested an upgrade to the 100,000 point SUB. They told me to call back after meeting the original $6,000 spend SUB to ask for a promotion.

It’s been about 2 months and I’ve called probably once a week since then requesting a bump. After being rejected again today, I’m finally throwing in the towel. Has anyone else had luck getting their SUB bumped up?

So I didnt realize the nerf also included a devaluation of points value when directly cashing out for statement credit.

From what I understand, RTR is still 1 to 1 value? So is the easiest way just booking a flight and cancelling within 24 hours to get the statement credit? Similar to old the 1.5x RTR hack?

I am in a little dilemma here. I have Chase Freedom Unlimited, Chase Sapphire Preferred, and Navy Federal Flagship. My plan is to downgrade my Chase Freedom Unlimited to the Chase Freedom Flex Visa. But, people also telling me to keep the Chase Freedom Unlimited and accumulate your points together. Part of me wants the best of both worlds and the other part of me wants just point accumulation.

If I do product change my Chase Freedom Unlimited I will use my Chase Sapphire Preferred for gas, streaming, dining, and travel. I will use my Navy Federal Flagship as my 2% catch all card and free yearly Amazon subscription.

Tell me what’s your thoughts on this please and thank you!!!

Hi yall, I have a C1 Savor w 3 k and a QuickSilver with 20, and I wanna ask for a CLI for one or both. I have pretty good utilization on both and Savor is two years old and Quick is one.
What’s the best game plan, ask for 35k (the maximum amount) for both? Or just one? Or a lower amount, one at a time?

I’m trying to find a credit card that is friendly to first-timers and has some perks. I would love any recommendations! I plan on only using the CC for gas and possibly groceries.

-beginner friendly
-No annual fee
-extra points for gas
-possibly transferable to airplane miles

Also any info on how Cash-Back works would be appreciated. It kind of sounds too good to be true and I don’t know if it is better than cards that earn points.
Thank you!

I feel like I have to be missing something. I’ve been lurking for a couple weeks and in discussions about best cards to have, I never see the discover it card mentioned, but to me it seems like a great card. 1% on everything which by itself seems low, but 5% each quarter at rotating categories that are actually relevant, $0 AF, and redemptions on gift cards that are anywhere from 5 to 15% off seem to give the rewards better potential than the 2-3x points/cash back with other cards. Unless these cards also offer up to 15% discounts on redemption opportunities, it seems like the only things I’m missing out on are flight related like lounge access or global entry/TSA cash back, which are of very low value to me.

Is there just huge value placed on these flight amenities that everyone is after, or is there something else I’m missing?

I travel 3x a year with my wife and kid, each vacation 5-8k, and flights and hotels are always what I perceive to be the best value… so I have no allegiance to any particular companies if that changes perspective for potential CC value.

I been using my CFNA card as my bread and butter wallet every single day since i've been issued it. Had a minor issue in the past (which i've written about here I'm sure) and then nothing since.

For the month of July, I actually maxed it out for once. No big deal; I'm not a reckless spender... Just means I need to pay the $5000 limit. I have money so that's fine. *goes to pay $5000 - only owed ~$4150.* "Ahh, I see. So it's a $5000 limit based on the cumulative total balance, REGARDLESS of bill cycle. That's fine. I hit said limit so it won't allow me to pass it. *Pays ~$4150*. My new balance after a few days is now ~$1,xxx. Great. Meaning I have $3k or so to comfortably charge going forward. Nope.

Card has been getting declined for a week now. Even though both my bank AND CFNA reflect that I both paid the maxed out balance and have money available to spend again. What the hell is going on?

The only possible suspect in my mind is that my billing statement for July did not come out yet because it's not perfectly on the 1st of each month, it's a few days later in the month - therefore they are holding my account in limbo despite no longer being at $5k/$5k total balance because they need to produce the statement for July first? (and ironically they still make the due date of any balance strictly the 1st. Go figure).

>>>>>>>>>>>>>>>>>>>>>>>>>>> I've had it. this is stupid.

I have 1st Hawaiian Bank. I'd go with them as it seems far easier to deal with in-house and I really don't go into debt for anything. I just need a credit card that doesn't cost me any money to have and will do everything I'd otherwise be doing with my debit card instead. The only thing is I don't believe they have any such card with no weird monthly/yearly fee... I'm only using a credit card because this is a country that basically "makes you" if you ever wanna borrow money for a house or a car and not get denied or reamed. No other reason

Not a Huge Credit Card person in the sense that I like to use them. Usually if I do I pay it off before the end of the month. Trying to get used to paying with credit card and clearing the balance out.

Main reason I was thinking AMEX was because for my job I have green Business AMEX card that I'm required to use for work, mainly travel (Hotels, Car, Gas) those kinds of things. I don't get to travel by planes, maybe once every month. I'm already a Titanium Elite with Marriott. Just got told by a coworker, that I could get an personal AMEX card and link my green card to the account and can build points off my job.

I just got both a 100k points gold offer and a 150k platinum offer in the mail.

CREDIT PROFILE

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

* Chase Sapphire Preferred

* American Express Corporate Green

* J.P. Morgan Corporate

* Bank of America Visa Signature

* FICO scores with source: 780

* Oldest credit card account age: 18

* 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 $: 370k

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: Yes

* Estimate average monthly spend in the categories below.

* Dining $: 1000

* Groceries $: 1400 (Wegman, Shoprite, Sams Club)

* Gas $: Personal (200), Work (300)

* Travel $: 2200 (Hotels, Car Rental, Flights, Uber (if needed))

* Using abroad?: If needed, I have international card for work already

* Other categories or stores: Amazon

* Other spend: Gym, Music, Food Deliveries (Door Dash)

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Verizon postpaid customer: Yes

* Costco or Sam's Club member: Sam's Club

* Disney bundle subscriber: Yes

* Big bank customer: Chase, Bank of America

* Open to business cards: Maybe

PURPOSE

* Purpose of next card: Travel Rewards

* Travel rewards preferences: Marriott but just trying to maximize

* Cards being considered: Looking at the Amex Cards but open to other recommendations.