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I really wanted a PNC card as my spouse has one and they have been great about soft pull increases and sending BT offers from time to time. I live in a state that PNC has no branches so the only way I could apply for a card was to open a savings account with them. I chose the High yield savings and it was instantly approved and opened. I did not make a opening deposit as I thought about simply letting the savings close but decided to actually keep the savings as the rate isn't terrible.    I was instantly allowed to check pre approval for their cards and was pre approved for both the 2% card and the Cash Rewards card. I need a gas and restaurant card so I chose the Cash Rewards thinking they would give me at least a 5k limit since I was pre approved for the 2% card and it has a minimum limit of 5k....Nope I got a 2k starting limit on the cash rewards card instead.    I am still really happy about this as I know the account can grow with those soft pull increases and I plan on using this card a lot so hopefully that will help my chances. Just wanted to post these data points for anyone else who may be out of their area and wanting one of their credit cards.   They pulled EX and my EX score is 788. 

Hello,   I thought we were going to solve my issue and give me access to my swapmeet account, email [email protected]. Shalom was helping me, then just fell off. I reached out to tech support and they say they cannot find find my swapmeet account, though shalom was able to find it and verify my email. I just want these accounts merged or access to that account. I was a helpfull, responsible member with a history of helping many peoplde and building my fico score up huge from 560-750 and credit availability from 0 - over 200k. I want that account and accolades back. I tried to start another account with an awesome name, and you all didn't like it and gave me this dumbass one because my chosen name was way too funny for you guys (Haywood Jablomey). Personally, I would forgo swapmeet if you let that one stand. This site is for adults 18+, so it is not like way too offensive and no one complained. Anyway, let's get this fixed finally please.   Love,   Swapmeet

Went back and forth for the last week on whether to app for this one or not. The pre-approval said I was good togo, so decided to pull the trigger. SL of $18k, which as my first Chase card ever is good with me.

So I filed Ch7 Bankruptcy in 2024 and I burned Penfed in the Bankruptcy. 2+ years later I tried to find information about getting back in good graces with penfed (They kept open my savings account). I knew they were Bankruptcy friendly but I couldn't find information on getting credit with them again if you burned them. Well I decided "what the heck" I didn't have alot of inquiries on my EQ report so I applied for a CC.... Well the hard pull Email never hit my phone because I was auto denied! The letter is in the mail...But I already know. Especially since I didn't even get a inquiry alert ( they didn't even check my credit after I submitted the application) ....PenFed just like NAVY will never let you get a CC again if you burnt them in your Bankruptcy. 

Good Day!  I am an authorized user on 2 of my spouse's accounts.  They are negatively affecting my FICO scores because they are near their credit limits.  Is there any way to stay as an authorized user on these account and not have them report to the CRAs?  Can you dispute as not your account and have them removed from the CR and still have access to use of the cards by the lender?  Just curious if anyone has tried this or has some data points?  Thank you in advance!

Really excited about this credit line increase. For context filed CH7 BK in 2022. Turned things around with a great job then a couple new businesses that I'm fortunate to have. Approved for VX in 2025 with an SL of I think 20K. Got a CLI just after opening (I forgot what it was).  Recently requested an increase to 80K, C1 countered at $67,500.  APR is 28.99% but I treat it as a charge card.  Income significantly increased in the last six months. Interestingly the CLI submission processed asked if I wanted an analyst to review for a higher limit than $67,500.  I opted for yes. The review came a few days later and I was still at $67,500.  Usually charge 20-30K a month.  My business has a C1 Venture X Business card with ~150K/month charge volume. I don't know if that business charge history influenced C1 personal decision.  I've been thinking of calling Amex to see if they'd let me back in either on their personal, business or corporate program if I paid them off.  Total was about 80K across personal and corporate cards that was discharged.   The VX is a daily driver and I've been very happy with the travel and rewards experience.  I've learned so much about finance and budgeting from the forum and I'm extremely grateful for the knowledge.

let's say Amex stopped you at 35,000 and demanded bank statements. Would you still be able to move credit limit over from another AMEX card to get over that $35,000 limit or what they still require bank statements?   secondary question, if you get stopped at 35k, you would still be able to apply for another card to out you over that limit correct? Or would that also require bank statements ?

This week I received an invite for the Premier Autograph card with a 100,000 point SUB for spending $4k in three months.  It is basically the same card as the Autograph Journey except that it is a Visa Infinite card with richer fringe benefits compared to the standard Autograph Journey card that is Visa Signature.  As I understand, the card is reserved for Premier banking clients.   I care less about the SUB than muddying my credit report with a new hard inquiry and an identical card in most respects compared to the Autograph Journey which I already have.   i called and asked whether I could convert my current Autograph Journey account to the Premier Autograph, as I did a Wells Fargo product change with a different card  in the past. (Three years ago I product changed a twenty year old Wells Fargo visa with no benefits to an Active cash card and was able to retain the 12.9 percent interest rate from the old account.)   I was annoyed when Wells told me that as a new product, product changes are not allowed to the Premier Autograph card, and that I would need to apply separately for a Premier Autograph card rather than product change the Autograph Journey.  I would like the Visa Infinite fringe benefits but I don't need what is otherwise a duplicate Autograph Journey card.    

I have been enjoying getting into the world of credit and all that comes with it. After my approval earlier last month with Navy Federal with a great SL of $25k, I decided to take the plunge with Chase to set myself up with two nice cards. I wanted a card that would complement my More Rewards, which earned at least 1.5x, and I am sure later on in this journey, I will get a 2x card. I didn't really want a Quicksilver, and so after doing some research on the Chase website, I figured it wouldn't be that difficult to get approved for a Chase Freedom Rise, especially because of the higher approval odds if you deposit money. I had also read online that sometimes approval odds can be different in a branch, and since I have a Chase right in town, I decided to try it. I had some cash that I hadn't deposited, and although it could definitely earn more than in a Chase account, I decided to take it and open up an account.   At the branch, I told the banker that I was interested in opening the Chase Freedom Rise, and he had me open up the account using the cash I had first. He then had me set up a Chase online profile and enroll in Chase's Credit Journey. My score on Credit Journey is pretty high (782), which I credit to being an authorized user on multiple of my parents' cards. He was surprised at my score at first, and I laughed and explained how my credit profile had been set up. After talking for a minute, he said, "You know, I think you could get a better card than the Rise with that score." I thought he was about to try to push me towards something with an AF like a CSP, but nope, he told me to take a look at the product pages for the Flex and Freedom Unlimited and see if either of those interested me. The Freedom Unlimited is just a better version of the Rise, so I decided to go for it. We entered all the details, and I was approved for an SL of $500, but I am honestly happy with that because now I can earn a sign-up bonus, plus I am sure with proper usage over time, I will get a CLI. They pulled my Experian, which was the first and only hard pull on that report.

Today my cap one card changed from $0 to $200, and my Equifax score dropped 19 points. In the past, adding an additional account with balances always accounted for a 6 point drop on equifax, so I was very surprised to see this drop.  I didn't cross any utilization thresholds? must have crossed a raw dollar amount threshold ?

Ford rehires 350 after "AI" slop failure.   "AI" cannot be made to work reliably.   I was playing around with Amazon's "Alexa" shopping assistant and it started jotting down things that I was telling it into "customer notes".   That way if you talk to it again later about another product, it can go back to those notes to see what sort of person you are and how it can sell products to you better.   It remembered that I "like quality work clothes" and I have a "do it yourself" mentality, that I "enjoy the outdoors", and like products that are energy efficient. It even remembered that I have a 96 year old grandmother.   It goes on and on making notes so that the system can mess with you and try to sell products.   And maybe things like this can work.   But you'ree not going to replace seasoned engineers and computer programmers with AI Slop. It simply doesn't work.   When it's computer software, you end up spending more time trying to fix broken code it suggested than if you had just written even marginal code to begin with.   I presume that trying to do quality control on vehicles is like that.   I played around with Claude Code because I understand the MP3 specification better than it does and why things in source code have to be a certain way.   It occasionally suggested good improvements that would make the code look better, or would optimize things and make the encoder work better, but then you wouldn't have a valid bitstream anymore, and instead of accepting my statement that it had to do things that way or it would not be bitstream compliant, it kept right on doing this.

Normally for the Subject line of a post like this, I would use the title of the article to which I am referring. There is lots of information in the article, but this is what I found the most interesting: "Most overdraft and NSF fees (79 percent) are paid by about nine percent of accounts, according to CFPB data. "In many cases, these accountholders are intentionally spending money they don’t have in their checking accounts. They’re using it as a form of credit [emphasis added], but it’s an expensive way to bridge the financial gap."   The title of the article is "How to avoid overdraft fees now: from alerts to linking accounts and opting out" The date of the article is June 13, 2026, and here is a URL for the article: https://komonews.com/news/local/overdraft-fees-remain-costly-heres-how-to-avoid-them-debit-credit-card-accounts-online-baking-what-to-know-about-overdraft-fees-digital-wallet

Maybe this has been asked before, but I always take an interest in asking others what line of work they're in.   I have worked a career in the engineering and design field.  Worked in both, but prefer design over engineering.  This entails the design of features within the vehicle, what one sees, as well as what one doesn't.   At times we are the product design for components that make things run, or the electrical behind the scene that make gadgets run, and at times, we are the visuals that create surfaces, harmony, and interface blends that look appealing to the eye.     P2 started out working in a pharmacy for many years, but got bored with that after time.  Moved on to other opportunities and offerings within a retail space.  That move allowed for working part time with a very satisfying starting shift.  Quite the perks.   If I may ask, what line of work are you in?          

What a pain in my tushy!  All this for a $1000 CD.   Ok, so I have $1000 (now worth $1035) Roth IRA CD with US Bank.  I am in the 10 day renewal period now.  When I go to see my renewal options, all I get is 5 month at 0.05%.  Ummm, unacceptable!  So I call.  It took 50 frickin minutes between the transfers and all the holds.  And I'm still not done!  They have to mail paperwork for me to sign and return.  OMG.    Anyway, the question.  Since it is a Roth IRA CD, I thought I could only cash out (redeem) it to another Roth IRA account.  She said she can only redeem the CD to my Smartly Checking or savings.  Is it ok to redeem my Roth IRA to a non-Roth IRA account, without tax implications?   I looked it up, and if I understood correctly, I think I am ok.  I believe I have 60 days to "roll over" the $1035 to another Roth IRA account (I have a Roth IRA brokerage account with US Bank, so that's where it will go).       Does this sound ok?  Or is it best to try and redeem the Roth IRA CD directly to my Roth IRA brokerage account?  She had told me that 'she' can't do that but, if I called the Wealth Management Department, they might be able to.  But they have limited hours and I don't feel like another 50 minute call, lol.    Thanks! 

After recently getting the Blue Business Cash and Prime Business cards, a couple CLIs, and then a product change on my oldest card, I decided to pull the trigger on the Prime Visa Card to round off my credit velocity and garden for a while. To my suprise I was approved after waiting about 30 seconds with a $1700 SL and I got the $200 Amazon Gift Card bonus, which is great because I have my last planned big purchase coming up soon. I will admit I am mildly disappointed by the starting limit, but hey it gets me in the door with Chase if I ever want to get their nicer cards later on after my profile matures some. Scores at time of application: 721 EX (direct) 729 TU (C1 CreditWise) 748 EQ (MyFICO)  Chase 5/24: 1/24. I am aware the Prime Visa is exempt from the 5/24 rule but am sharing it anyways for reference. # of hard inquiries in past 12 months: 4 Chase pulled TU and EX reports for application.

I was just approved for the American Express Platinum card today. I was able to add it to my online profile immediately, and it says that I have no preset spending limit.   I tried to use the "check spending power" button to get an idea of what I could use it for, but kept getting "can't approve" (I tried several different amounts).  Is there a general amount that is approved up until, or was I just getting an error because my account hasn't been set up yet?

I applied and was approved for the American Express Platinum Card and the BCE Preferred card today. I currently have the Delta Reserve card, which I will either combine with the BCE, or convert down to a Platinum Delta card to save on the annual fees.   Would anyone explain the "no preset spending limit" with the Platinum card? I tried to use the check spending limit button, but it didn't work for me. Is it because I was just approved today?

Just a heads up that they have changed reward redemption for the Smartly to only be available in $25 increments. Before it was any value over $25. Minor thing but still kind of pisses me off. Maybe I'm missing something , was doing it on their mobile app, so there's a chance I'm just wrong .

Has anyone had Citi delay an interest waiver this long? Should I just pay the statement balance anyway? I'm looking for some advice from anyone who's dealt with Citi before. I requested an interest waiver earlier this month. Since then, I've contacted Citi three separate times, and each time I was told it would be applied within a few days. It never posted. Today (6/26), I called again around 3:50 p.m. I originally intended to ask for a supervisor, but the representative reviewed my account, asked when I first contacted Citi about the issue and how many times I'd called (I told him this was my third contact and that I had also called last week). He then told me the interest would be waived within 1–2 business days and said he placed a note on my account that I would not receive a late fee even though my payment is due tomorrow. Here's where I'm unsure what to do. The only amount remaining from my current statement balance is the interest charge that Citi says they're going to waive. I do have a few dollars in new purchases, but those are part of the next billing cycle and aren't due until 7/27/26. My thought is to just pay the remaining statement balance (which is essentially the interest charge) before the due date anyway. If Citi later applies the interest waiver and my account ends up with a credit balance, I could either use that credit toward future purchases or request a refund. Does that seem like the safest approach? Has anyone else had Citi promise an interest waiver that took multiple calls and several weeks before it finally posted? Also, if you've ever ended up with a credit balance because of an adjustment like this, did Citi handle the refund process without any issues? I'd appreciate hearing about any similar experiences or whether there's anything else I should be doing to protect myself.

Hi Everyone,   I'm excited for my latest card approval from Chase--the Chase Sapphire Reserve.  I always like reading about other people's experiences on this forum with credit--it's been so valuable to me over the years so I thought I would share mine here as well.   I applied just under 2 weeks ago, right before the sign-up bonus dropped from 150k to 100k.  Immediately got the "reviewing your application" message, and if I remember correctly, it said I would get notified in 7-10 days for a decision.  Tried to check status online, and it didn't show I had any pending applications.  I called the 888-338-2586 number a couple of times, and it had the same message each time, they will get back to you me in 2 weeks.  I finally spoke to an agent, and they wound up giving me the 888-270-2127 number to call.  Same message as the first number, but this time when I spoke to the agent, they said they would transfer me to the team working on my application.  I spent a few minutes verifying some information with them (address, income, etc.) and on hold.  In my particular case, I already have 7 other cards with Chase with about $140k total in credit lines, so they didn't want to extend me any additional credit, so I had them take $15k from one of my other cards which I don't use much.  And that was it.  Now I should get my card in a couple of days.   I asked why it only took me calling them to get the process going, and the agent said they were backlogged with applications, and in my case, they didn't want to extend additional credit and they would take the credit line from of one of my other accounts.  I should also mention, it's been this way with Chase for me for several years now--any new cards I get are approved, but always within the scope of my existing total credit limit.  (If anyone knows any details on how Chase calculates/determines your total credit limit for all lines, I would love to hear about it.)  So, I guess the main takeaway is that you might be able to jump start the approval process by making the call and talking to someone rather than just waiting.   If anyone is wondering about why I have so many other Chase cards, in my case, back around the time of the housing crisis, the GFC, and even before, Chase had acquired so many other credit card portfolios through M&A with other banks over the years.  I keep these old cards to preserve the age of my credit even though I don't use them much.