2% back no AF from SoFi - Data Points

[cashorcharge]

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@notmyrealname23 wrote:

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@Credit12Fico wrote:

Does anyone else get one too many fraud text?

Nope. Haven't gotten one yet. My SoFi card isn't getting amazeballs usage (things that don't slot into categories like haircuts, utility bills, streaming) but haven't seen one yet.

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I'm the same here. I have used the card once per month for no more than $50 and hadn't seen an issue.

Unrelated though...I have had "weird" experiences using ApplePay to pay for Gas at the pump at some Shell Stations.  I get declines with Apple Pay, pull out my actual card, swipe and no issue.  Not sure why.  Now I just stick to Chevron.

[Credit12Fico]

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@cashorcharge wrote:

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@notmyrealname23 wrote:

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@Credit12Fico wrote:

Does anyone else get one too many fraud text?

Nope. Haven't gotten one yet. My SoFi card isn't getting amazeballs usage (things that don't slot into categories like haircuts, utility bills, streaming) but haven't seen one yet.

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I'm the same here. I have used the card once per month for no more than $50 and hadn't seen an issue.

Unrelated though...I have had "weird" experiences using ApplePay to pay for Gas at the pump at some Shell Stations.  I get declines with Apple Pay, pull out my actual card, swipe and no issue.  Not sure why.  Now I just stick to Chevron.

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That is exactly what was happening to me! I tried to use Apple Pay at Shell several times (I frequent shell because of the kroger points redemption), and it always declines.  Shell appears to run a $1.00 authorization and SoFi card is having none of it. I always get the SoFi Fraud text when I get home, after which is too late.

[Credit12Fico]

Someone got a CLI in the approvals forum. That's the first I've heard. They were boosted from $500 (toy) to $25K. Perhaps that was more of correcting an oversight ($500 pfftt!) than a CLI 

[cashorcharge]

Yep, I read that and was envious. I took the opportunity to call them and ask if they had established a process for CLI's as when we chatted before, they either weren't sure or not eligible....suffice to say nothing has changed.

Readers Digest Version:

Is my account eligible for a CLI? No

Is there a path to eligibility?  Not that I'm aware of, no.  Have you checked the website?

Yes, I checked the website and no info is given, as a matter of fact your phone number isn't even on the card, it's only on the website

Sorry to hear that, I don't see any way to process a CLI for you whether you request it or I attempt to offer it.

Okay, thank you...

[Curious_George2]

You could ask them to lower your CL to $500, then put card in sock drawer. 

[Credit12Fico]

So it appears I did not fully comprehend the points doubling thing that SoFi stated.

I had some pending rewards (Which seem to post about 7 days after the purchase post).  It was a $100 purchase. 100 rewards pending. But it posted as 400 points....This happened for 3 purchases in the last week. But stopped with my latest points posting.  I never had a points balance when they announced they would double existing points balances, but those purchases were pending during the "crossover". I thought I wouldn't get anything. So this was a pleasant surprise. Temporary 4x everywhere credit card. If I knew this was how they would process it, I might have tried to put a bit more spend on it during the transition.

[cashorcharge]

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@Curious_George2 wrote:

You could ask them to lower your CL to $500, then put card in sock drawer. 

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HAHAHAHAHAHAHA!  That's likely a great idea!  

[Credit12Fico]

Interesting data point. TLDR: I made a payment from SoFi Money, and it posted to account and restored available credit the next day.

Story: I made a payment yesterday (Sunday) from the SoFi Money account. Payment has posted and available credit was restored to full today (Monday).  1 day turn around. That seems new. The last time I made a payment from the SoFi Money account, it took 7 days for available credit to be restored. But that time was also the very first payment to the card.

[Curious_George2]

I don't have this CC (so maybe this is the wrong thread for me?) but I have had a SoFi Money account for a few months. I wasn't invited to join their Rewards program... until today! So now I too get pennies for logins.

Not sure if this is what caused them to invite me into Rewards or not, but over the weekend I responded to a survey request they sent me, asking for my thoughts about the student loan refi I did with them a year ago. Maybe the survey/Rewards timing was a coincidence. 

[cashorcharge]

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@Credit12Fico wrote:

Interesting data point. TLDR: I made a payment from SoFi Money, and it posted to account and restored available credit the next day.

Story: I made a payment yesterday (Sunday) from the SoFi Money account. Payment has posted and available credit was restored to full today (Monday).  1 day turn around. That seems new. The last time I made a payment from the SoFi Money account, it took 7 days for available credit to be restored. But that time was also the very first payment to the card.

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Thanks for sharing.  My payment last week was on the "old schedule" so I'll have to try this again...Appreciate the update