@PullingMeSoftly wrote:Well I gave it a try, spoke to a representative who was able to connect with a specialist within their credit department, and it is a firm no on non-AL and TN residents for the Visa Sig. I also tried to highlight the fact that I've been an existing member for almost 2 years and that I was requesting an exception to the restriction. Straight up no.
Just providing this info in case anyone was holding out for a chance. I've been sending a monthly ACH to my checking to avoid the service fee and have kept some funds in the Brighter Day savings account. Thinking of just closing it all out now, as I was maintaining a relationship specifically for adding the card. Brighter Day is currently paying 5% interest (5.109% APY), so I might keep that, but at minimum will be closing the checking account. Bummer.
Ty for the determination. I admit I was questioning to myself if I should have still tried after they changed the rule the day I joined.
Authorized User - 
Sock Drawer'd - 
So, time to start up a new hunt for a 5% dining card with no FTF. I've got at least 4 diff cards at 3% 🤦♀️
5% gas cards are a dime a dozen these days all of a sudden, but dining is still hard to come by at 5%, with or without FTF. Right now the CCC fills in for that, I guess, but that doesn't help when traveling internationally (and having a good restaurant card is very high on the list of important categories when traveling abroad... you do A LOT of eating out!)
@Bockrocker wrote:
@unsungivy wrote:So, time to start up a new hunt for a 5% dining card with no FTF. I've got at least 4 diff cards at 3% 🤦♀️
5% gas cards are a dime a dozen these days all of a sudden, but dining is still hard to come by at 5%, with or without FTF. Right now the CCC fills in for that, I guess, but that doesn't help when traveling internationally (and having a good restaurant card is very high on the list of important categories when traveling abroad... you do A LOT of eating out!)
Altitude Go is 4% but has the benefit of being uncapped with no FTF. Although truthfully the only time I exceeded the $500 CCC monthly cap was on a three month road trip.
If I went the 4x route, it'd prolly be via downgrading my Platinum to Gold in 6 months after P2 upgrades their Chase Marriott card to Ritz and that fills the travel niche. Meh. Not satisfied!
@Gregory1776 wrote:
@unsungivy wrote:So, time to start up a new hunt for a 5% dining card with no FTF. I've got at least 4 diff cards at 3% 🤦♀️
5% gas cards are a dime a dozen these days all of a sudden, but dining is still hard to come by at 5%, with or without FTF. Right now the CCC fills in for that, I guess, but that doesn't help when traveling internationally (and having a good restaurant card is very high on the list of important categories when traveling abroad... you do A LOT of eating out!)
I realized the 5% back on restaurants can be quite useless, especially when most of the restaurants and bars a go to will charge ya 3-4% for using a card (even debit) so I tend to just use cash at a restaurant.
I also like tipping in cash for the waiter because taxes aren't easy on you.
do they do the transaction fee in foreign countries?
I mean, it's LITERALLY called a FOREIGN TRANSACTION fee...
Also, those seem like some pretty shady choice of bars if they're charging you 3-4% for not using cash... a reputable restaurant would not do that. And yes, I've done my time waiting tables. You know you can pay your meal with a card and leave cash seperately, right?
I should have jumped on this when I had a chance. Pretty sure I was one of the first to even bring it up since I got a mailer a while ago. Just checked now and it does have the state language when you get to the point you can select a card.
I don't really need it though, I've got 3 custom cash which handles my gas and restraunt spend for the 5%.
@mau471 wrote:For once in my life I got in before something got nerfed, hopefully they at least let existing members outside of the geofence keep it.
Same here. 
