@4sallypat wrote: I  hope my $18K CL does not get reduced by US Bank...     @4sallypat When I last spoke with Underwriting, business cards can go up to 50K no doc. I actually requested a CLI (SP) on my $15K card so it would transfer over at $25K. ... View more

@12njoy wrote:   Now I wait for Synchrony to dip back below 2 mill.  No regrets @12njoy  Congratulations! That's a great achievement!!   On Sync accounts, why not proactively cancel cards not crucial in order to keep those you find useful?       ... View more

@CaptainConcorde wrote: The Cap1 Platinum was upgraded to a QuickSilver about two months ago. I didn't ask they just did it.  So now I have two QS cards.  How would I go about reallocating the Venture to another card?  Just call and ask?  Honestly I'd be happy just having one Cap1 card.  Would they combine all into one credit line?   "A couple of recommendations: Consider reallocting the Venture limit to your Quicksilver before closing so you only lose partial credit line. Check if your Quicksilver or Platinum qualifies for an upgrade to the Savor?  From what I've read the system doesn't seem to always offer Savor upgrade from Platinum so you may need to go: Quicksilver to Savor and Platinum to Quicksilver. YMMV.' @CaptainConcorde , When you reallocate limits its set up like a credit limit increase so you will need to wait 6 months before combining the last two cards. The steps: -select your venture card -select manage your credit card -select transfer credit lines between cards and follow the prompts   ... View more

@CaptainConcorde    I would close any cards not wanted, especially at this early stage in your rebuild.   A couple of recommendations: Consider reallocting the Venture limit to your Quicksilver before closing so you only lose partial credit line. Check if your Quicksilver or Platinum qualifies for an upgrade to the Savor?  From what I've read the system doesn't seem to always offer Savor upgrade from Platinum so you may need to go: Quicksilver to Savor and Platinum to Quicksilver. YMMV. ... View more

@Janneman wrote: @ocheosa wrote: Honestly, I still don't understand all this. Dumb me. I am kinda slow in all these tricks... All I know that I have two cards with NFCU...CashRewards and Platinum. The offer is on my CashRewards card. And I do have two cards with Capital One with zero BT fees. Now, how to get around with NFCU Platinum then I am not getting it thru... Sorry, but you did try to explain it as clear as you could...Its my bad, I know....   @Janneman  If this still doesn't seem clear, maybe someone else can step in to explain it better than me? For this example, let's say you need $5,000 in cash. Follow the steps in this order to save on interest charges. Start here, both on the same day: Step #1:  BT $5,000 from Capital One card to NFCU Platinum card Step #2:  BT $5,000 from NFCU Cashrewards card to Capital One card   Next step, 2-3 days later: Step #3:  Transfer/Cash Advance $5,000 from NFCU Platinum card to NFCU Checking or Savings   Once these BT's are processed, the Capital One card will be a $0 balance and stop charging interest. When Capital one statement posts there will/may be a few dollars interest due for any days between the BT posting and payment.  NFCU Cashrewards has the promo offer so there will be no interest or BT fee assessed. Only the $5,000 balance owed. NFCU Platinum cash advance transfer will be paid in full. When the Platinum card statement posts there will/may be a few dollars interest due for any days between the cash advance transfer and BT posting.   To transfer funds using the NFCU App -Select Move Money icon at the bottom -Select Start Transfer button at the top To field - must choose a NFCU Checking or Savings Account  From field - choose the Platinum credit card account   001 002   ... View more

@4sallypat wrote: Ah got it - thanks.   I already have accounts with USB as well.   Will the AX credit line also transfer to USB as well ?   @4sallypat  My AmEx Lowe's CL transferred over for Synchrony so I would expect the same with US Bank. I currently have four accounts (2 personal and 2 business) with Elan. The one time I initiated a CLI with Elan it required a HP. Proactively, I requested a CLI (SP) on my Amazon card so its set for the US Bank conversion.     ... View more

@ccpat wrote: I know there are thousans of "Synchrony Closed My Account" threads but I can't find one that addresses the topic of what is their "watch it" limit.   I have 6 cards (Sams, PayPal, Care Cr, Lowes, Amaz, and WM) with a total of $81K in limits. I use the Sams, Amazon and WM on regular basis and pay off usually within 2 weeks. The other 3 I just keep movement on every 6 months...nothing major....usually under $200.   Not asking for any more CLI (I have enough).  Income is over $170K and TU score is 773. Thick profile but everything gets paid off. Am I good? I love my Synch Cards and don't want them closed down. What usually spooks them?     In the words of the great Oda Mae Brown - "You in danger girl!"   Six cards at TCL $81K....you are well over the danger zone.  I would start looking for alternates. My advice, be proactive, keep the three you want/need the most and let the others go. Do not touch that CLI button or call to discuss anything unless absolutely necessary (fraud, stolen/lost card).    I had five lines (1-4yr.), TCL $62K and they shut me down tout de suite. No rhyme or reason other than it was my turn at bat. Luckily it was a non-event as I had already set up alternates.   Sauron is always watching... ... View more

@Janneman wrote: @ocheosa wrote: @Janneman , I sent you an email with my suggestions.       Thanks...However, its pretty much the same what we have discussed over here. Yes, I do have two credit cards from NFCU, Cashrewards and Platinum, but the BT offer came on Cashrewards offer which requires me to provide them my creditors account numbers, address and amount that I want to get trasnferred from....Nothing about depositing into my checking account. Further, convience checks will not be considered as BT which is very clearly written on BT offer received by NFCU. Any over-payment would/could trigger a flag for fraud by receiving bank which I certainly not interested in doing so. Anyway, I appreciate your insight.   @Janneman OK, you must have misunderstood my email as this is actually the easier method to draw cash (other than a PLOC). Hopefully this explanation is clearer?   You can transfer funds from the Platinum card directly to your NFCU deposit account. Next, if you have a Capital One or other bank card that has a 0 BT or Cash Advance fee you use that card to pay off the NFCU Platinum. Finally, use NFCU Cashrewards BT to pay off the Capital One (or other) card. What you need do is start the transfer from your Capital One card 2-3 days before the cash advance from the Platinum so you incur minimum interest.   You get to do whatever you want with the cash in your deposit account for the bare minimum interest charged. Last time I did this it was $19 total. Much cheaper than any 1-3% BT fee.      As an example: 1) 4/6/26 Capital One: BT 5k to NFCU Platinum card, 3-4 days (APR interest, 0 fee) 2) 4/6/26 NFCU CashReward: BT 5k to Capital One card, 1-2 days (0 fee) 3)  4/8-9/26 NFCU Platinum:  transfer 5k to NFCU Checking/Savings account, Instant (cash advance interest, 0 fee) There are no credit balances that require refund checks. Only minimum interest on Cap One and Platinum statements. PIF as soon as statements cut. Reminder: Use payment addresses from your card statements.     Transfer funds from the NFCU App -Move Money -Start Transfer To - must choose a NFCU Deposit Account (external accounts won't work) From - scroll down to the credit card accounts ... View more

@Janneman , I sent you an email with my suggestions.       ... View more

  @MichaelMyer , when I applied for credit card (2023) they used TU-4. ... View more

First Lowe's now this...UGH!!! My two fav AmEx biz cards gone in the same year... this sucks!   ... View more

@Household61974 , Is your Amex a charge card or revolver? If a revolver, I would pay off the ~$50 card and let the Amex report organically, then pay the balance once the statement cuts. If a charge card, if it doesn't let you pay more than current balance, push payment from your bank to the card and pay an additional $20 to be safe. On the current statement you can look under the interest charge calculation section to see the amount still being charged interest (balance subject to interest) and make an educated guess.    Also keep in mind if the numbers don't fall as needed for best rate your loan officer can always do a rapid rescore if necessary once you've paid everthing down. Good luck! ... View more

@youngandcreditwrthy wrote: I hear all these stories aboutchall getting large CLIs after opening Bloomies and Macy's Amexes.. welp, 32 days in on the Bloomie's and no cli approved. I'm sure I'll see a digital letter soon in my portal.    I went for the Macy's Amex a few days later, so I think I'll wait another several days maybe just a full week before asking. No score change. 700 ish FICOs across the board.  @youngandcreditwrthy  ,  You tried too early. On the initial attempt wait 7-8 weeks for Macy's and 8-9 weeks for Bloomies, then set calendar for 32 days going forward. Sometimes you will need to wait  2 months but usually it went through without issue. My experience riding the CLI train was 2020-2021 so YMMV.  Good luck! ... View more

@Varsity_Lu wrote:   First, it's my wife's card and she just requested a CLI, but was denied.  They said the account is too new and her turd score (hee hee...turd) was too low.  I don't think they are going to give her an increase.    @Varsity_Lu This  is surprising. Wonder if it's just the $500 special that's blocked for a probationary period. Did they try the CLI on a SP? I tried for s SP CLI on my first card, twice I think, and  it was declined. Was finally told a HP was requred. I let it be because the CL was sufficient at 5K. On my last card (#4), the SL was 7K and I needed more so I called in 2 days after approval, took the HP and they doubled the line to 15K. I don't even think the card was in the mail yet.   Given the limit, I can't imagine them having a problem with cycling the limit as needed.     ... View more

@Varsity_Lu wrote: It's  been a really cold winter and our electric rate just increased about 25% in mid-January. Our electric bill may be over $500 next month and I am trying to figure out how to cover it on our $500 CL Elan Max Cash card.  If I pay like $100 over and get a credit, would Elan let a $550 bill go through? Anyone have experience with Elan on this?    @Varsity_Lu If you can afford a HP, I would call and request a CLI. When they ask why be honest, you need a larger line for upcoming utility bills. IME, and by DP's I've read, they can be quite generous with CLI's if you're willing to take the hit. Of course, with all things credit related, YMMV. ... View more

@digitek wrote: Well shoot I did it through the online chat, didn't know I could have done it myself through menus, kind of interested if it if would have let me.   Chat told me it was not possible which I honestly thought was a little strange, so I told them to just close it out.   Thanks for the heads up! @digitek If the closure was recent you may be able to reopen the card with a phone call? Worth a shot. ... View more

@digitek wrote: I have had my Lowes Amex for 7 years or so but it admittedly doesn't get much use lately. I wasn't interested in moving the account to Synchrony so I called to reallocate the credit limit to the other Amex Business cards I had and they told me that it wasn't allowed at this time. Just thought I would share this because I have never had a problem moving credit limits between Amex cards, but in this case that is not possible now. There was no issue with actually closing the card, though. @digitek  , Unfortunately you were given incorrect information. I just moved limits from my Lowe's to BBC. The system required I leave 1,100 on the Lowe's card and it was approved without issue. Edit to add: From your signature it looks as if you only had co-branded cards? That may have been the issue. When checking the dropdown box I was only shown core card, my amazon card was not listed as an option. Just a thought.   For others looking to reallocate limits - Navigate to the card you want to move the limit to then click:  "Account Services" > "Payment & Credit Options" > "Transfer Available Credit to Another Card," and select the amounts to move.     020326 ... View more

I received the same 4.99% offer a few days ago, went straight to trash. ... View more

@KangiCosmos  TU customer relations 800 916 8800 Ask rep for the "Special Handling department." That will get you directly to a supervisor.   EX dispute specialist 855 414 6048   EQ 888 378 4329   ... View more

  $20,580 =514,500/25 CC $15,125 =60,500/4 PLOC ... View more

@Turbobuick I just went through the opt out process, it's super easy. Took more time moving through the phone tree to get to an agent than the actual 30 seconds to request opt out and the rep updating the account. ... View more

@coldfusion Enjoy! They must be rolling out these offers in waves.   I received this one on my MCP Visa on 8/5/25 and stacked it with a separate offer received 7/24/25, earn $25 stmt credit for $250 spend. I did 9x$10 amazon reloads and added another$160 to my water account. Total CB/Credits $53.90 ($8.90 base+$45 bonuses) for $250 spend is simply amazing!   Plus on 10/16/25 received another $20 offer for registering my 2nd MCP MC for amazon shop with points.  I my Elan cards, these offers are incredible!!.   ... View more

@EasyMark wrote: Well, gang, for those of us in the Shop Your Way secret society cultus, should we have an overnight live vigil here to see out our most-worshipful Shop Your Way Mastercard, and mutually discover what awaits us in the beyond, waiting for the first people to get notice on their account pages or emails and report here? (I'm still amazed they have not notifed us of the details of the change itself beforehand officially.) Do you think the change will be shown on our pages at the stroke of midnight, and if so what time zone? Will it wait until the resumption of normal banking hours? @EasyMark  I abstained but In Memory Of... ... View more

@crystal626 wrote: @SilentTraveler wrote: The image from the video in the USB link shows the "monthly fee" for the purchase.  This looks to be a huge trap for people to get into without clearly understanding the various options especially once you start getting into more than one purchase.  It appears that the monthly fee is fixed at 9% of the purchase price.  With the total of monthly fees equalling 9% for a 6 month plan and 18% for the 12 month plan (in the example the monthly fee is $18.76 for both plans).   Purchase of $1,250.82 3 month option = $416.94 x 3 = $1,250.82 6 month option = $227.23 x 6 = $1,363.38  (includes monthly fee $18.76 x 6 = $112.56) 12 month option = $123.00 x 12 = $1,476.00 (includes monthly fee $18.76 x 12 = $225.12)   Best option would be the 3 month no fee, no interest.  Otherwise, unless you have the ability to pay off a plan early you will be signing up for fixed payment schedules.     My mental capacity this morning prevents me from calculating what the APR is on these monthly fee plans.   I doubt that 9% is the only option or they would just list that. It's obviously going to be based on your credit like other cards with plan fees. The lack of transparency up front though isn't great. ^This^  For me the fee was ~0.6-0.7%. Still too cheap to use it , I wait for the no fee offers. ... View more

@DXness wrote: US Bank did not tell me the APR at approval time so I'll have to add it in later and did not provide a virtual card number. I'm pretty sure personal and business are also separate logins, which is annoying on iphones since you can't (normally) have 2 separate installations of the same app. @DXness Congrats on the new card! Using the app is fine. You can still log in, just need to register and create different login credentials for your business account. ... View more

@portlandmusician , this new card release is sort of strange. It would be best to apply for the Cash+ / MCP to earn the categorized 5% cash back and combine with the ExtendPay plan for 3, 6, 12, 18, 24 month payment options. I have two MCP's and three months per year (Apr/May/Jun) receive no fee offers for up to 12 months. I use this feature to annually pre-pay my utilities and cell phone. I use on both my MCPs, earn 5% (sometimes more when separate offers are stacked) and 0% financing. Win-win! It's also an easy method to run an interest free balance for trended data.    ... View more

@NoMoreE46 wrote: @Follower wrote: I received this letter from Chase over the weekend concerning my Amazon Prime Visa Sig:   Dear [Follower]:   We periodically review customer accounts to make sure credit lines match their spending needs. During a recent review of your account and credit history, we noticed that your overall card usage with Chase and other issuers is low. Because of this, we may lower your credit limit to $7,250.00 in 50 days.   If you anticipate a change in your spending needs, you can opt out of the review by contacting us atthe number at the top of this letter or the number on the back of your card within 50 days.   It's true that I only put between $100 and $400 on the card monthly, with no plans to increase it, so I don't plan to challenge their decision to cut my CL in half. Still, as my post title says, this is a new one for me. This approach  is very similiar to Capital One with heads up and an option to opt out.     A 50% haircut is big though - Glad that yon dont need it.   ^This^ Seems they are using the same audit program as Cap One. The "opt out" feature through Cap One was automated and super easy. You may also consider reallocating $7250 to your Freedom card. ... View more

Congrats, great card! That's a very generous sub, 12.5%+2% base! Cha-ching! I was pleased when I app'd a few yrs ago and it was just $250 for $3k. ... View more