Percents - All Your Cards In One

[UncleB]

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@Anonymous wrote:

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@Anonymous wrote:

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@wasCB14 wrote:

I'm pretty dubious of these services ever since a major once suggested I use my Sallie Mae MC to buy gas at Costco.

I know that was years ago, but does it know about available statement credits? Special offers? Minimum spend requirements? Purchase protections?

(And I will suggest a thread merge to mods.)

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I think those are two different things.   What you are describing are the "What card should I use to purchase X at Y" services, and I agree that they may vary in quality (from something to something, depending on viewpoint!).  The FinTech cards like this and Curve allow to redirect previous spend to a new cc, which can be useful in the case of a mistake, or to push a "too early" transaction to a new quarter for a rotator.

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Correcting myself: I had missed that Percent does try to route to the best card.  And if you can only redo transactions that are pending, that's a lot less interesting than Curve on that feature

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Yeah, that's quite a bit less interesting to me as well.

Oddly, with Curve they make you wait until the transaction has posted (to Curve) before they'll let you move it to a different card.

Not a big deal, but one would think they'd prefer you to do any 'moving' before money was actually being passed around, but I guess not. 🤷‍♂️

[toofast]

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@UncleB wrote:

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Quick note about this, Curve is said to now require a HP but the $500 credit account it comes with doesn't report to any of the credit bureaus (at least mine doesn't). 

If someone has a data point that this has changed I'm all ears (er, eyes). 

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Yes, that's been my experience of Curve too.

I find the $500 credit limit annoying, as I'd prefer there was no credit limit, and if a transaction is rejected by the underlying card, it is either rejected or shifted to another card.

Interestingly, Percents has no hard pull, and no data-points about it reporting to any credit bureaus (there's no credit limit on it, so no reason why it should).

[OmarGB9]

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@toofast wrote:

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@UncleB wrote:

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Quick note about this, Curve is said to now require a HP but the $500 credit account it comes with doesn't report to any of the credit bureaus (at least mine doesn't). 

If someone has a data point that this has changed I'm all ears (er, eyes). 

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Yes, that's been my experience of Curve too.

I find the $500 credit limit annoying, as I'd prefer there was no credit limit, and if a transaction is rejected by the underlying card, it is either rejected or shifted to another card.

Interestingly, Percents has no hard pull, and no data-points about it reporting to any credit bureaus (there's no credit limit on it, so no reason why it should).

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Amex charge cards (Green, Gold, and Platinum) have no preset spending limit, and they still report. 

[toofast]

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@OmarGB9 wrote:

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Amex charge cards (Green, Gold, and Platinum) have no preset spending limit, and they still report. 

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Amex charge cards offer you credit though, Percents isnt giving you credit, they are just processing a transaction.

[ptatohed]

Does the Percents card offer any intro (or ongoing) benefit like additional CB?  I think Curve offers an extra 1% for a limited time?

[OmarGB9]

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@toofast wrote:

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@OmarGB9 wrote:

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Amex charge cards (Green, Gold, and Platinum) have no preset spending limit, and they still report. 

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Amex charge cards offer you credit though, Percents isnt giving you credit, they are just processing a transaction.

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That's true. I wonder how they're making money then. Just on processing fees alone?

[MrDisco99]

Putting it on a wait list seems to be the trendy way to ramp up interest in a new product.  However, I just fid it annoying.  There's no reason for something completely ephemeral like an app or financial service to be waitlisted.

[Anonymous]

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@MrDisco99 wrote:

Putting it on a wait list seems to be the trendy way to ramp up interest in a new product.  However, I just fid it annoying.  There's no reason for something completely ephemeral like an app or financial service to be waitlisted.

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There certainly can be!  These things are going to hitting their servers/backends etc and it makes sense to do a constrained release first.  Now if everyone on the waitlist gets off at the same time then yes, gimmick

[Thatficotho]

I have the card and it works great for me, just really want that amex support. 

It processes as a Visa Credit on reciepts i've gotten. 

[toofast]

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@MrDisco99 wrote:

Putting it on a wait list seems to be the trendy way to ramp up interest in a new product.  However, I just fid it annoying.  There's no reason for something completely ephemeral like an app or financial service to be waitlisted.

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Agreed.

(Mod cut-such isnt allowed here on myFico thanks for your understanding) Note, it does need an iPhone, no android app right now.