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Fidelity Visa Signature (Elan Financial Services) CLI - Hard or Soft...?

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Valued Contributor

Re: Fidelity Visa Signature (Elan Financial Services) CLI - Hard or Soft...?

Not sure about CLI since I never need one and never asked for one. Now it is in my draw since I use Chase FU + CSR to replace it.

 

I still have a pre-approved offer with a rare $100 bonus offer for spouse. Not sure if we are going to take it. Only the bonus is valuable to me.

Message 11 of 13
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Frequent Contributor

Re: Fidelity Visa Signature (Elan Financial Services) CLI - Hard or Soft...?

I'll say that the customer service thus far is head and shoulders above FIA. Someone tried to pass a fraudulent charge through my card apparently. Elan denied the charge, called me, verified I didn't make the charge, and sent me a new card with zero hassle. A similar incident with FIA was much less pleasant (they insisted they couldn't do anything until the charge posted to my account)
812 FICO (TransUnion) | 809 FICO (Experian)
Chase Sapphire Reserve - $60,000 | Barclays AAdvantage Aviator Red - $36,500 | Amex Blue Cash Everyday - $30,000 | Fidelity Visa Signature - $20,000 | Chase Freedom - $20,000 | Bank of America Cash Rewards $22,000 | Wells Fargo Plat Visa (runt of the litter!) - $4,400
TOTAL: $192,900
Message 12 of 13
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Established Member

Re: Fidelity Visa Signature (Elan Financial Services) CLI - Hard or Soft...?

I decided to not even ask for a CLI, turns out that my SL is just a "Revolving Limit". The rep that assisted me with the 0% APR BT til May 2018 Billing Cycle Promo I received told me I can charge past my revolve limit but I have to pay the balance down to at least the revolve limit. So that works for me because I usually PIF anyway. I did a small renovation and my wife got Lasik, and I wanted to pay the costs down over time, so I will continue to PIF my statement balance along with the amount i need to pay towards the BT balance.

 

And I agree with most of you... I genuinely enjoy having and using this card. Straightforward, solid cash back rate, no AF, VS benefits and those BT checks that came in the mail was a nice plus.... I use this card for anything and everything I can't pay for with my AmEx GCPR. Rewards cash deposits right into one of my Fidelity accounts. I'll def post back on here if i end up getting one of those Auto-CLI's.

Message 13 of 13
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