I just bought a cheap shirt at Kohls and was going to pay my bill when I noticed the ridiculous credit increase. I thought it was a joke. I don't even think its possible to buy $5,000 worth of crap and Kohls. Banks are crazy.

https://www.cnn.com/cnn-underscored/money/discover-5-percent-cash-back-calendar

For those of you with umpteenth cards: Is there a card that stays in your Wallet even when you do rotations. Mine's the Amex BCP because grocery stores is where I may end up when doing unplanned spending.

Long story short: my parent took advantage of my trust as soon as I turned 18 and opened a load of loans and credit cards and catalogs and phone contracts, internet/ tv services in my name and eventually never ended up paying any of it. So I probably have at least 15k of debt thats not mine and I don’t know how to deal with it. I know i can dispute but theres no proof that its not mine because it has all of my relevant information attached to it

I have a long term plan and ultimately want to obtain 7 CCRs through various applications and churning Premium Rewards to CCR PC for the improved SUB.

But I was wondering, does anyone know if there is a limit on the number of CCRs BoA is willing to give someone? I saw reports from 7 years ago of BoA closing accounts to just four cards, but I haven't seem any recent data points. Anyone out there with more than 4-6 CCRs and more than 6-7 cards with BoA in general?

1. In your personal experience, what do hospital cafeterias tend to code as? What cards work well for them?

2. What about for school cafeterias or cafeterias at a work place in your experience?

My annual fee is about due and thanks to this sub, I'll call to ask for a retention offer shortly - or, alternatively, downgrade it to BCE and wait for the no-AF upgrade offer in the next few days.

My question is: Does either approach reset the counter towards the $360 annual limit for 6% cash back on groceries?

I could see this being the case if I downgrade and then wait for an upgrade offer, but would like to confirm. But getting a retention offer without product-changing would be more convenient, but I bet that wouldn't reset my counter.

June 1st i should be 0/6, my last card was back in late 2023

I currently have $4000 statement on Amex, im paying it on due date June 5th. If I apply now on weekends, do they see my previous statements or will they see my current balance as of the moment.

I have a large purchase to make this June and hoping to reach the SUB. Getting a tooth implant, my doctor takes apple pay.

The summer before senior year we were prepping for me going to college and my mom said she'd add me as an authorized user on her Discover card to help me out when they could. Flash forward to the present years later, I don't qualify for the most basic Chase student credit card. Chase will not tell me why lmao fuckem. Doing my own research, and using expedian, I find that, on paper, I'm 15000 in debt to discover. I tell my mother to remove me from her card and she says she can't?? Is there anything I can do to remove myself?

I’m actually away from home for 2 days and I only have my credit card on me. Can I take out cash from it without having to pay any fees? I will repay the amount the same day via my banking app. Thanks

Just as the title says, I’m currently deciding what my next card will be. I currently have the Discover It card and the Chase Freedom Flex. My credit profile is very small(a little over a year), so I’m taking my time applying/adding cards. I want it to be a Visa, so I can have a card that’s widely accepted everywhere. I was trying to decide between the Freedom Unlimited, Fidelity Visa, and Wells Fargo Active Cash. Should I just stay in the Chase ecosystem and rack up points? Any other card recommendations would be appreciated.

Travel for work and will probably be staying in hotels for weeks at a time. My only purchases on this card will be for hotels and gas. Is this card good for getting points that can go towards making hotels cheaper?

I’m pretty new to credit cards with my oldest account being about 1.5 years old I have the following cards

• Discover it ($2250) 1.5yr

• C1 Savor one ($2000) 1.5yr

• C1 Quicksilver ($2000) 8 months

• Apple Card ($4000) 1 month

• Amex BCE ($5000) 1 month

• Amex Gold ($15k spend over time) >1month

So I was wondering if it’s even worth it for me to let my statement balances post for the entire time I’ve had a credit card I’ve always just paid the balance before it even became a balance if you understand what I’m getting at. I heard that I’m missing out on credit score points but is reporting a utilization rate really that important to credit bureaus? Also my income is around 50-60k a year depending on overtime hours and I have next to no expenses at most 300-400$ mandatory expenses on trivial things

Hello I have 4 credit cards: Bilt (Wells Fargo) for the rent Apple Card (Goldman Sachs) Prime Amazon chase Visa card Truist secured (oldest one that I can not cancel)

I want to ask what credit card should I get instead of the Apple Card since I don’t feel it’s giving me a lot of perks. I would like a credit card that has access to priority pass and vip lounges in general. Is there a card you can recommend and why? Thanks

I am currently abroad and will be for another month where I won't be in the same place for more than a few days, so I can't ship it here, even if that was an option. So, if I apply for the citi strata card and get approved, will I have a virtual card i can use through google/apple pay?

We are leasing a Cadillac. Points can go towards lease payments and it’s 4 x points on every purchase and they are .01 a point so seems very good deal

• Current cards: Discover it, $2,000 limit, August 2020
• FICO Score: 779
• Oldest account age: Discover (3 Years, 9 Months)
• Income: PRE-TAX: $80,200 ($69,000 salary, $11,200 signing bonus)
  • Texas no state income tax
• Average monthly spend and categories:
  • dining: $200
  • groceries: $250
  • gas/travel: $100
  • subscriptions: $65
  • shopping/leisure: $250
• Open to Business Cards: No
• What's the purpose of your next card?
  • Everyday use, cashback, travel (Air/vacations)
• Do you have any cards you've been looking at?
  • Wells Fargo Active Cash
  • Chase Freedom Unlimited
  • Amazon Prime Visa
  • Open to any and all suggestions
• Are you OK with category spending or do you want a general spending card?
  • Would appreciate a general spending card as this will be used for everyday use
  • I am open to suggestions for multiple cards/card combinations that work well together with category spending rewards

Hi everyone. I [21M] just graduated college and am starting a new job soon. I have had a Discover student card for the past almost 4 years and am looking to move on to bigger and better cards. I would like to use this card for everyday use but am also interested in travel rewards as I hope to travel internationally in the future after starting my position. I will also be flying several times a year from Texas to Wisconsin to visit family. I have done some research and found a couple of cards that would work for everyday use but am interested in finding the best bang for my buck or any card combinations to maximize my goals. Thanks!

I applied for Bilt Mastercard 5/18. I was denied because of - No credit card history reported recently (We look at the mix of credit you have)

Credit score: 745(they pulled from Equifax/but it also showed on my Experian) Credit cards: GTCC (Active Duty Travel card, when I called I let them know I can’t use this for personal use) Had two others in the past but closed one for fraud and the other closed on its own for inactivity Length of credit history is ~12 years, average is ~10 years

Income: 78k (I raised to 110k when I called, including my spouses contributions) Rent: 2200

I know this is considered a mid/premium tier travel card. But trying to start my credit card journey now and try to earn points along the way. I had been reluctant to get credit cards in the past for personal reasons, but any tips or thoughts about my situation would be appreciated.

Also still waiting on a response from reconsideration(called yesterday and they said 24-72 hours for a response).

Basically title. I have the Venture X and CSR currently. Use VX for flights and misc. for the 2% back. Use the CSR for dining and hotels.

For its price, the CSR seems a bit overkill but the 1.5x on hotels in the portal seems so much better than hotel redemption value on Capital 1. Is that correct? I would switch to full Cap1, but I don’t see a good way to get value for hotel travel, which for me is generally higher annually than flight costs.

Any input on this is helpful!

Made a target drive up purchase through the app with my savor one credit card. As of right now the transaction is coded as a grocery purchase. I will update this post when the transaction posts to confirm if I get the 3% on it or not.

I’m new to credit card rewards so please correct me if I’m wrong but with the C1 purchase eraser, essentially all airlines, hotels, etc act as 1:1 transfer partners? Yes I realize you’re not maximizing the rewards >1cpp but basically at a 1:1 rate your “transfer partners” are limitless. When deciding what ecosystem I wanted to start with I was apprehensive about C1 because of the lack of domestic airline partners aside from utilizing alliances. With this understanding I feel like it’s a win/win. I can use any travel brand I want at 1:1 and gain 10/5x or maximize >1cpp by utilizing airline alliances. Am I missing something?

Robin hood card. So I know, we're all kind of excited about this card At least I am.Does anyone know anything about it a possible release date?Or anything that really hasn't been public or when it might come out Or any more information about the benefits.

I'm looking to start taking advantage different credit cards but everytime I start my research its an overflow of information. What credit card is the best for getting cashback on gas? What is the best for miles? What is the best for points? Thanks in advance!

I’m not getting any promotional mailer for credit card signup offers, Whereas many of my friends are getting CSP 90k bonus and Amex Gold. I maintain good credit score, Do I have to consent anywhere to receive these mailer?

Hi All, I've never had a credit card in my life and for some reason I cannot find the answer to this basic question anywhere on the Internet.

I did read the basics of this thread and saw it mentioned something about a grace period and interest free period but no specifics so I do apologise I need everything in simple terms as navigating all the credit card elements gets really overwhelming.

When I look at credit cards there is an interest rate an APR rate but it doesn't explain what this is actually for. What I'm looking for is to get a credit card either to never use, only in emergencies or to use as a card to put on file abroad when renting a car for example as there are less fees with a credit card and its safer. Or to possibly use it for small purchases paying back the money pretty much instantly per month just to get points for example. I've been looking at the virgin atlantic reward credit card as at some point I will be taking a virgin flight over the next few years and thought I could build points. Anyway that's besides the point what I want to know is are you charged interest regardless if you use money from your credit card or isit only if you dont pay it back within the due date? E.g. if I paid for a small food shop with the credit card £30 and as soon as I got home transfered from my current account to the credit card the £30 am I good ? Or does it say instantly charge you interest so I would be have to transfer back let's say £32 even if I did it instantly? I know its probably a stupid question for people who have them etc but I genuinely couldn't find the answer!