topic Re: Current SUBs over $300 cash? in Credit Card Applications

Current SUBs over $300 cash?

wasCB14 — Tue, 12 Feb 2019 01:20:44 GMT

I have enough airline miles for now and so many hotel points I'm considering cutting back on my hotel AFs.

I'm a bit hungry for a new bonus, though. What's currently out there as far as cash back? I could do ~$10k of off-category spend in 3 months, so minimum spend is not likely to be an obstacle.

BofA Premium Rewards is $500 + $100 airline incidentals less a $95 AF for $3k spend. Already have GE.

I'm aware Chase Ink cards have nice bonuses, but for a variety of reasons additional Chase cards are not practical right now.

Any other offers for $500? Maybe $300 or $400 without an AF due?

And, to be clear, I'm looking for statement credits, electronic deposits, or paper checks. Not gift cards, travel purchase statement credits, or book-travel-through-us points.

Re: Current SUBs over $300 cash?

Anonymous — Tue, 12 Feb 2019 01:50:09 GMT

I just collected $500 from NFCU Flagship after 4Kspend in 3 months. Wells Fargo Propel is next to pay: 3K spend over 90 days for $300. Neither card with an AF.

Re: Current SUBs over $300 cash?

wasCB14 — Tue, 12 Feb 2019 02:01:17 GMT

Not an NFCU member, but the "public" offer I see has a $49 AF due the first year.

WF is a possibility. Not sure if my closure of a checking account shortly after a $250 new account promo would weigh against me.

Re: Current SUBs over $300 cash?

Anonymous — Tue, 12 Feb 2019 02:04:36 GMT

Capital One Savor is $500 with annual fee waived first year

Re: Current SUBs over $300 cash?

wasCB14 — Tue, 12 Feb 2019 02:07:18 GMT

Savor looks very nice.

Re: Current SUBs over $300 cash?

Anonymous — Tue, 12 Feb 2019 02:10:26 GMT

Yes it does. Comes with Postmates unlimted too!

Re: Current SUBs over $300 cash?

Anonymous — Tue, 12 Feb 2019 03:38:24 GMT

@Anonymous wrote:
Capital One Savor is $500 with annual fee waived first year

It’s a nice SUB but no intro APR is a bit of a crap sell when you’re taking a hit on each bureau imo.

Re: Current SUBs over $300 cash?

wasCB14 — Tue, 12 Feb 2019 03:55:29 GMT

Ugh.

I used myequifax to request a temporary lift of my security freeze, but apparently the request didn't go through correctly. Trusted ID says my EQ report is still frozen.

So Cap1 pulled EX and TU, then sent my application to pending. No pull on EQ.

What do I do from here? Will Cap1 call me or should I call them? Will they do a single pull of EQ? Or would it be 3x all over again, giving me 2 TU, 2 EX, and 1 EQ?

Not that my inquiries are excessive or anything.

Re: Current SUBs over $300 cash?

Anonymous — Tue, 12 Feb 2019 04:04:10 GMT

@wasCB14 wrote:
Ugh.

I used myequifax to request a temporary lift of my security freeze, but apparently the request didn't go through correctly. Trusted ID says my EQ report is still frozen.

So Cap1 pulled EX and TU, then sent my application to pending. No pull on EQ.

What do I do from here? Will Cap1 call me or should I call them? Will they do a single pull of EQ? Or would it be 3x all over again, giving me 2 TU, 2 EX, and 1 EQ?

Not that my inquiries are excessive or anything.

I applied for the Savor a while ago and it did the same thing, they called, I beleive the next day, and sent me something in the mail, but I never followed up so I did not open the account.

Re: Current SUBs over $300 cash?

simplynoir — Tue, 12 Feb 2019 05:02:44 GMT

@Anonymous wrote:
@Anonymous wrote:
Capital One Savor is $500 with annual fee waived first year
It’s a nice SUB but no intro APR is a bit of a crap sell when you’re taking a hit on each bureau imo.

For what the SUB is and with no AF to boot it's no brainer even with 3 HPs to me. The issue with this card is getting approved the criteria/UW for it makes it difficult to get.

Re: Current SUBs over $300 cash?

Anonymous — Tue, 12 Feb 2019 05:22:56 GMT

@wasCB14 wrote:
Ugh.

I used myequifax to request a temporary lift of my security freeze, but apparently the request didn't go through correctly. Trusted ID says my EQ report is still frozen.

So Cap1 pulled EX and TU, then sent my application to pending. No pull on EQ.

What do I do from here? Will Cap1 call me or should I call them? Will they do a single pull of EQ? Or would it be 3x all over again, giving me 2 TU, 2 EX, and 1 EQ?

Not that my inquiries are excessive or anything.

Wow, you pointed this out and I supposedly unfroze my EQ until the 17th but I just checked TrustedID and I’m frozen still as well.

I guess it’s going to have to be phone number and PIN to lift EQ.

From what I understand, Cap will force you to app again, it can’t be overridden in the system.

ETA: When I logged in to myEQ it said that my temporary lift was already in place. I tried calling but their automated system is down so I just set another override up online. Trusted ID still says it’s frozen but I wonder if you have to completely lift the freeze to get that taken off... and I don’t feel like updating my PIN again to go through that mess and try. So I really don’t know what the issue is.

Re: Current SUBs over $300 cash?

wasCB14 — Tue, 12 Feb 2019 05:22:03 GMT

The inquiries are unfortunately a sunk cost of sorts, but I don't see any point in trying the get the card...or any other EQ-pulling card...until I can make sense of what's wrong with EQ. I just have a password to freeze and unfreeze...no PIN to provide to an issuer to get around the freeze.

Re: Current SUBs over $300 cash?

Anonymous — Tue, 12 Feb 2019 05:24:59 GMT

@wasCB14 wrote:
The inquiries are unfortunately a sunk cost of sorts, but I don't see any point in trying the get the card...or any other EQ-pulling card...until I can make sense of what's wrong with EQ. I just have a password to freeze and unfreeze...no PIN to provide to an issuer to get around the freeze.

See my updated post. I went and logged in and requested another lift and it said it was already there, pushed another one through and Trusted ID still shows it’s frozen. I really hope this isn’t the dreaded “your file is locked and nobody can unlock it” mess that someone else reported using EQ’s lock (not freeze).

Re: Current SUBs over $300 cash?

Anonymous — Tue, 12 Feb 2019 05:31:00 GMT

This is the thread I’m referencing.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Can-t-Unlock-or-Pull-Equifax-Report/m-p/5452817

Re: Current SUBs over $300 cash?

wasCB14 — Tue, 12 Feb 2019 06:08:27 GMT

Myequifax says it has successfully processed the request to unfreeze, but TrustedID still says it's frozen:

"Your Equifax file is frozen under state freeze law or the Equifax voluntary security freeze program."

I'll give it a few days to see how it settles. I was okay with the idea of a 3x pull but might need to sleep on the idea of a 5x (2+3) pull.

Re: Current SUBs over $300 cash?

Anonymous — Tue, 12 Feb 2019 06:26:43 GMT

@wasCB14 wrote:
Myequifax says it has successfully processed the request to unfreeze, but TrustedID still says it's frozen:

"Your Equifax file is frozen under state freeze law or the Equifax voluntary security freeze program."

I'll give it a few days to see how it settles. I was okay with the idea of a 3x pull but might need to sleep on the idea of a 5x (2+3) pull.

Try totally lifting the freeze and see if that works. The only reason I don’t want to do that is because I’m not sure I’m going to app and the PDF will issue me a new random PIN when I add a freeze again which is just annoying to update in my docs.

I am thinking that Trusted ID just doesn’t have support for lifts embedded in it. When you do it through the freeze site, that’s government regulated so if EQ doesn’t do what they say they will in the confirmation PDF at the end, it’s a big regulatory problem for them, especially when the phone system which is supposed to be the failsafe is down.

Re: Current SUBs over $300 cash?

wasCB14 — Tue, 12 Feb 2019 10:38:32 GMT

TrustedID does now show EQ as unlocked (as opposed to frozen, like earlier)...so at least my problem isn't complicated. I guess the unfreeze just took several hours, instead of seconds, to go into effect.

If they call me and can do a single EQ pull, I'll proceed. If they want to to another 3x, I may still proceed. I have:

5 EX HPs (up from 4). Another 3x would make it 6.

2 on TU, up from 1 to become 3 with another 3x round.

And (figures) 0 on EQ...of all the CRAs, that's the one I guess will only be pulled once.

Re: Current SUBs over $300 cash?

CreditCuriosity — Tue, 12 Feb 2019 14:47:05 GMT

Stinks to here about EQ, but well that is EQ an incompetent company that has no business in the CR world IMO.. Many a times I have lifted a freeze with them and they swear that it is life and guess what it isn't. Shocked I tell you.. That sucks you lost two hp's with Cap1 due to EQ being still frozen that is a two lost pulls as even if you get EQ unfroozen (verify first) you will have to take another triple HP if you want the Savor card as they won't just pull EQ to fill the missing spot :/.

The higher cash bonuses are drying up, especially with the no AF CC as there are very few > 300 with no and 3-5k spend.

A few off the wall lenders with 50k points

Terps Card

https://uoficreditunion.org/credit-card-landing/credit-card-current-promotions/

Re: Current SUBs over $300 cash?

wasCB14 — Tue, 12 Feb 2019 19:23:11 GMT

What are their underwriting practices? Are we talking about them potentially turning me down for "aggressive credit seeking behavior" based on their pulls from yesterday?

Last 6: 0 new accounts, only inquiries theirs

Last 12: 2 new accounts, 3 INQ on EX, 2 on TU

Last 24: 3 new accounts, 5 on EX, 2 on TU

Re: Current SUBs over $300 cash?

CreditCuriosity — Tue, 12 Feb 2019 23:13:07 GMT

@wasCB14 wrote:
What are their underwriting practices? Are we talking about them potentially turning me down for "aggressive credit seeking behavior" based on their pulls from yesterday?

Last 6: 0 new accounts, only inquiries theirs
Last 12: 2 new accounts, 3 INQ on EX, 2 on TU
Last 24: 3 new accounts, 5 on EX, 2 on TU

If you are referring to my post i think you would be golden as i read up on it and DP's from DOC at the following link and the first one appears to be a TU puller even better for most.

https://www.doctorofcredit.com/terps-credit-card-review-50000-point-sign-up-bonus/

can read comment section and some good dp's