Bank Feature Summaries

How to Avoid Chase Closing All Your Accounts

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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How to Avoid Financial Review (FR) from Amex?

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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Magical Backdoor Numbers: Reconsideration Tips

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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What Credit History Should I Have To Apply For Credit Cards? (2015.8 Update)

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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AmEx Frequently Asked Questions (FAQ) (2015.8 Update)

About Credit Card Application 1. Does Amex limit the number of cards individual can keep? Unlike other banks, Amex has a limit that individual can only keep no more than 4 credit cards, including personal cards and business cards. Note that this restriction is only for credit card, charge cards such as Platinum, Premier Rewards Gold (PRG) are not included, neither…
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Chase Frequently Asked Questions (FAQ) (2015.6 Update)

I. About Credit Card Application: 1. Is there a limitation for the number (or credit limit) in Chase cards? Generally, there is no limitation of the number of card. But there is a limitation for everyone’s total credit limit in Chase. A common reason for applicants being rejected lies in excessing the total credit limit. If so, you could transfer…
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