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@CreditDunce wrote:Doesn't your SM report as a flexible spend account? The only other MC I have that reports as a flexible spend is a local CU card. It isn't a true cash back card, though.
It sure does, but I'm looking for a non-cobranded card.
@thelethargicage wrote:
@TiggerDat wrote:How about the Voice card from Huntington? it's a WMC.
I don't live in their service area, plus I try to avoid smaller issuers/CUs. Thanks for your input, though.
There is a work around to this by opening a checking account. You might get denied for not being in their service, as I did, but then you might also get an email or call from someone trying to retain/coax you into getting the account, as they did with me. There are times where they offer up to $250 for opening an account, without direct deposity, but with certain levels of deposits. I got $150 for opening an account and depositing $1000. Once you have a checking account with them, you are then allowed to apply for their credit card. The Voice card has 3% CB on a category you select each quarter. This can be good for something you spend a lot on without having a fallback card for or for use in conjunction with a rotating categories card! For example, you might not have a card with 5% year round for Restaurants, but you have a Discover IT card, so on the months you don't get the 5% with Discover you can get 3% with Huntington. I just checked my report and it does report as a Flexible Spending Limit card.
@TiggerDat wrote:
@thelethargicage wrote:
@TiggerDat wrote:How about the Voice card from Huntington? it's a WMC.
I don't live in their service area, plus I try to avoid smaller issuers/CUs. Thanks for your input, though.
There is a work around to this by opening a checking account. You might get denied for not being in their service, as I did, but then you might also get an email or call from someone trying to retain/coax you into getting the account, as they did with me. There are times where they offer up to $250 for opening an account, without direct deposity, but with certain levels of deposits. I got $150 for opening an account and depositing $1000. Once you have a checking account with them, you are then allowed to apply for their credit card. The Voice card has 3% CB on a category you select each quarter. This can be good for something you spend a lot on without having a fallback card for or for use in conjunction with a rotating categories card! For example, you might not have a card with 5% year round for Restaurants, but you have a Discover IT card, so on the months you don't get the 5% with Discover you can get 3% with Huntington. I just checked my report and it does report as a Flexible Spending Limit card.
Awesome, thanks!
Does the grocery category include Target and Walmart? Or do they purposely exclude both of them?
@thelethargicage wrote:
@TiggerDat wrote:
@thelethargicage wrote:
@TiggerDat wrote:How about the Voice card from Huntington? it's a WMC.
I don't live in their service area, plus I try to avoid smaller issuers/CUs. Thanks for your input, though.
There is a work around to this by opening a checking account. You might get denied for not being in their service, as I did, but then you might also get an email or call from someone trying to retain/coax you into getting the account, as they did with me. There are times where they offer up to $250 for opening an account, without direct deposity, but with certain levels of deposits. I got $150 for opening an account and depositing $1000. Once you have a checking account with them, you are then allowed to apply for their credit card. The Voice card has 3% CB on a category you select each quarter. This can be good for something you spend a lot on without having a fallback card for or for use in conjunction with a rotating categories card! For example, you might not have a card with 5% year round for Restaurants, but you have a Discover IT card, so on the months you don't get the 5% with Discover you can get 3% with Huntington. I just checked my report and it does report as a Flexible Spending Limit card.
Awesome, thanks!
Does the grocery category include Target and Walmart? Or do they purposely exclude both of them?
I think it depends on individual stores. I actually have never checked, I use my Target card at Target and my Discover card at Walmart. I don't buy food at Walmart, so.....
@Anonymous wrote:I have the BoA Cash Rewards that I converted a couple months back from Visa Sig to WMC. Very happy and easy process.
The MLB card they offer is the same exact reward setup but is a MC so i would look into that. Mine is a WMC with a $10,000 limit but I havent checked my reports on that card to kno what it is on it.
@thelethargicage wrote:
From what I've gathered, the only ones that report as "Flexible Spending" were PCd from other cards to DC. I've asked a couple posters thru PM, and both said ther DC WEMC cards reported as "Credit Card". I've asked a few others but never got a straight answer from them.
Why does it need to be a MC? My Thank you card is a Flexible spending card when it was a Visa and wasn't even a siggy. It still is i believe when i PC it to a MC
@Closingracer99 wrote:
@thelethargicage wrote:
From what I've gathered, the only ones that report as "Flexible Spending" were PCd from other cards to DC. I've asked a couple posters thru PM, and both said ther DC WEMC cards reported as "Credit Card". I've asked a few others but never got a straight answer from them.Why does it need to be a MC? My Thank you card is a Flexible spending card when it was a Visa and wasn't even a siggy. It still is i believe when i PC it to a MC
I want to have the same number of Visas and MasterCards. If SM gets nerfed, I'll be cancelling it, but I still want a WMC that reports as flexible spending and is not cobranded. I'm just trying to move away from cobranded cards.
@thelethargicage wrote:
@Closingracer99 wrote:
@thelethargicage wrote:
From what I've gathered, the only ones that report as "Flexible Spending" were PCd from other cards to DC. I've asked a couple posters thru PM, and both said ther DC WEMC cards reported as "Credit Card". I've asked a few others but never got a straight answer from them.Why does it need to be a MC? My Thank you card is a Flexible spending card when it was a Visa and wasn't even a siggy. It still is i believe when i PC it to a MC
I want to have the same number of Visas and MasterCards. If SM gets nerfed, I'll be cancelling it, but I still want a WMC that reports as flexible spending and is not cobranded. I'm just trying to move away from cobranded cards.
once again why does it matter lol? I have so much more Visa's then MC. My only Mastercards is the Capital one GM card ( Oh I would look into that since its a WEMC ) , BoA MLB cash rewards, Citi Thank you and my Citi DC . My visa's are the Chase Freedom, Slate, Amazon visa, CS, Citi simplicity, Capital one Playstation card, and whatever else is in my sig that isn't an Amex or store card.
@Closingracer99 wrote:
@thelethargicage wrote:
@Closingracer99 wrote:
@thelethargicage wrote:
From what I've gathered, the only ones that report as "Flexible Spending" were PCd from other cards to DC. I've asked a couple posters thru PM, and both said ther DC WEMC cards reported as "Credit Card". I've asked a few others but never got a straight answer from them.Why does it need to be a MC? My Thank you card is a Flexible spending card when it was a Visa and wasn't even a siggy. It still is i believe when i PC it to a MC
I want to have the same number of Visas and MasterCards. If SM gets nerfed, I'll be cancelling it, but I still want a WMC that reports as flexible spending and is not cobranded. I'm just trying to move away from cobranded cards.
once again why does it matter lol? I have so much more Visa's then MC. My only Mastercards is the Capital one GM card ( Oh I would look into that since its a WEMC ) , BoA MLB cash rewards, Citi Thank you and my Citi DC . My visa's are the Chase Freedom, Slate, Amazon visa, CS, Citi simplicity, Capital one Playstation card, and whatever else is in my sig that isn't an Amex or store card.
I just want it to be a MC. No other reason.
Do you have GM Buy Power Card? It is WEMC. It is better than WMC.
Ron.