One table to show the policies of premium credit cards: Note1: YMMV means Your Mileage May Vary. Note2: The statement date is NOT the due date. The statement date is always due date minus 1 month plus 3 days for Chase. Note3: We don’t see AmEx give air credit to MPX purchases since Nov 23, 2016, the day that AmEx Platinum…
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When we have a tons of credit cards, we probably won’t carry all of them all the time. However, sometimes we need to call the banks, and it will be a trouble when you can not get access to the phone number. The purpose of this post is for people to look for the phone number, you can come here and search…
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2016.11.23 22:00 PST Update: all the following links are dead now. The lifetime was 6 hours since the first discovery. Thanks to sirtheta on reddit, now we have direct links to AmEx incognito big offers! No more VPN and failed tries! Use incognito mode to open the following links. Please make screenshots before applying to prepare for possible troubles! BCE $250+$200…
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Let me first summarize the previous consensus about the annual fee (AF) of the Citi Prestige. If you are a Citigold client, you get a $350 AF offer no matter you apply online or in branch; if you are not a Citigold client, then the annual fee is $450. There was one exception: even if you are not a Citigold client, you could go to a…
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2016.6 update: more than 7 recent data points from our private chat group show that, you can get 5 AmEx credit cards, but not 6. When two of us applied for our 6th AmEx credit cards, we both received a phone call that explicitly says we “reached the maximum number of credit cards”, and we have to close one of the…
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2018.5 Update: The “Selected for You” method is alive again (HT: DoC), and the paper application method via a BRM (Business Relationship Manager) for business credit cards has been added. Chase is one of our favorite banks because of their great credit card sign-up bonuses and benefits. I believe many people are eager to get another Chase card. Unfortunately, Chase implemented…
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2015.11.03 Update: People are starting to receive their 10% cashback. You need to wait for the second statement after the purchase to get this cashback, if you still don’t receive the cashback, please be patient. The datapoints show that, Discover really has the ability to distinguish whether you bought gift cards, you won’t get the 10% cashback for gift cards…
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Today we are going to talk about something more ethereal. As we all know, playing with credit card is an issue of YMMV (Your Mileage May Vary). In most cases, similar situations that encountered by different people may lead to different results: why your card got approved while mine was rejected immediately? Why your limit is much higher than mine…
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People who have many credit cards are often concerned about whether their cards will be canceled if they don’t use them frequently. What kind of negative effects will occur as credit cards are canceled? And do canceled credit cards influence your scores or make you appear on the blacklist? According to laws, banks indeed have the right to cancel your…
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Previously, we introduced the risk monitoring method by AmEx: Financial Review (FR), of which many churners are wary of. Today we are going to tell something more nightmare-inducing: Chase may close all your credit card accounts!! A-L-L credit card accounts! We write not to scare you, but instead to help you find the right way to establish a good relationship with banks!…
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I have wrote several posts here, which are completely effected by the strict writing style of other senior writers, taking How to Avoid Financial Review (FR) from Amex for example. This post has been wrote in an organized way, with strict writing style and usage of formal words. But I want to write the following post in a causal way as…
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Several days ago Amex finally introduced the 100k offer for the Platinum Card as well as ED and BCE’s 25k/$250, lots of people applied and were approved for these offers. At the same time, however, Amex strengthened their efforts on Financial Review and recent data points show many users going through this process. In this post, we will briefly introduce the…
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What should I do if my credit card application was rejected, what about pending (further review): Try reconsideration lines of banks in USA! Whether through Internet or go to branch in US, it is very common to apply credit card without instant reply. Tragedy occurs when “we are sorry” pops out immediately after clicking “apply”. Don’t be upset. Catch your breathe…
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We often see such kind of questions in comments or forum: How difficult is it to get XX credit card? What credit history do I need to get XX credit card? Well, the correct answer is always: It depends, YMMV (Your Mileage May Vary). But there are still some statistics from the data points online. Here let’s summarize the (conservative)…
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About Credit Card Application 1. Is there a limitation on the number (or credit limit) of Citi credit cards? There is no limitation of the number of credit cards you can have. But there should be a maximal total credit limit you can have on Citi, which is usually related to your credit history as well your annual income. 2….
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