I mostly fly out of Terminal A (Delta) and B (United) nowadays so the Sky Club/United Club/Sapphire Club are generally more convenient for me than the Centurion Lounge would be.   If I regularly flew JetBlue I'd be more excited. ... View more

CRAs typically won't consider removing a hard pull on their own unless there is an allegation of fraud supported with a police report having been filed and the CFPB by default refers complaints to the FDIC/NCUA (they may refer themselves or tell you to file the complaint yourself) to get a financial institution to withdraw a hard pull.   I suppose one could try filing a police report claiming fraud against that specific Walgreens (ostensibly the clerk got brownie points for getting you to apply) and then disputing with the CRA or filing a CFPB complaint against corporate Walgreens, or instead filing a FDIC complaint against Synchrony to have the inquiry withdrawn due to misrepresentation by Walgreens, as long as one understands that likelihood of getting a positive outcome is a YMMV. As mentioned above it may be best to just consider this as a lesson learned and move on as under most circumstances a single inquiry isn't anything near being a dealbreaker. ... View more

@IcyCool7227 wrote: Thanks for all those points. On the other hand if a creditor looks at the report and sees one month that a card has been maxed out does that matter either to the algorithim or an analyst manually negatively? For example when I was on vacation in July my Chase card went a little over the $500 limit back then to $558 with the balance reporting but I brought it way down next month. In your case it would have impacted the scoring when the account reported the $558 balance because you had a card reporting with 90+% utilization.  However because that metric has no memory your scores would have been refactored again the next month (or if you had at any point during that month paid the current balance down to $0.00 as Chase reports the new updated $0 balance out-of-cycle when that is done) when Chase reported the much lower balance.   An analyst on a manual review should have noted the overage but a $558 balance on a $500 card wouldn't be hard to explain and if they had ever visited the clue store they would be mindful that Chase wouldn't have authorized the overage in the first place if they felt that you were an at-risk cardholder.   If i had a $558 balance reporting on a $500 card I'd probably hold off applying for credit if I reasonably could until the updated lower balance had reported but in and of itself it isn't something to lose sleep over.     ... View more

@AzCreditGuy wrote: @creditrizz wrote:   I gotta admit this card looks and sounds like something out of the 90s      Some people are unware of how stuck in the 90s this card seems to be, as you can tell some are mad I said this card sucks....For me it does 5% gas? I get that from my Sams Buss card, 3% grocery stores? I get that from Sams card as well...Overall Purchases are still at 1% if no coupons or deals are tied to the card....Again Sams does that....But at least with Sams I can use Apple Pay and leave the **bleep** card at home.... I'm certainly not mad,  but then again I averaged just over 9.5% cashback in aggregate across the $21K of spend on my TYP earning Sears card  (it started out as a Sears charge card back when I was in college and I was in the 1st wave that Citi converted to Mastercards when they took over the portfolio in 2003) in 2024.   FWIW, Citi has been throwing me these types of offers since 2018 for gas, grocery, restaurant, online, utility, travel, and sometimes even non-category spend and while unfortunately the card hasn't been working out for you it sure has for me.    ... View more

Exactly right,  the target demographic for their cards is the early-to-mid stage rebuilder but you can't cold app, you have to first get an invitation from them to apply for a card.  They do have a beter reputation than for example  Credit One or Continental Finance. ... View more

If you all are going to shift gears and go down that path IMO this one's pretty hard to beat.   https://www.youtube.com/watch?v=CRfuTTd09vo  Skip to about 1:25 if you just want to hear the finale. ... View more

There's always a risk that a CLI app can trigger a 4506-C request, it can even be for a requested limit that is less than $35K especially if the applicant has other AMEX credit cards.   If AMEX wants to see your tax returns they wont consider an approval until after they receive and review the info from the IRS.  If you don't authorize the IRS to release them you'll end up with a denial.  ... View more

Have you gone online and pulled a copy of your LN consumer disclosure report and confirmed its accuracy?   If not, that's where you should start.  https://consumer.risk.lexisnexis.com/consumer         ... View more

@Soundersfan1 wrote: I thought Amex also has a 1/5 rule but regarding the earlier post I'd also assume that wouldn't apply to charge cards? And when I was previously denied for a charge card and reapplied within 30 days, it was an automatic deny. Also in regards to Amex's garenteed pre approval does that mean I could hypothetically be approved for all 3 amex charge cards at once since their a pre approval and wouldn't register as an inquiry until I accept and then if I am pre approved for the charge cards apply for something else say the BILT Mastercard which has been on my radar and depending on if thats a approved or not accept the 3 Amex charge cards and end up with 1 credit and 3 charge. (I have been told that if I apply for multiple Amex cards at once it would register as a single inquiry) As a blanket statement,  while American Express has a series of rules many of them aren't always followed to the letter and over the last few years there have been multiple data points reporting successes with same-day 1 charge + 1 revolver,  2-revolver, and 2-charge card approvals. although I don't recall hearing of any instances of a 3-in-a-day AMEX approvals  of any type.   No guarantee as to whether or not there would  only be a single inquiry but if not you could always later ask AMEX if they would withdraw any additional ones.  Also since you didn't reference your awareness,  you should be aware of restrictions American Express now has in place regarding SUB eligibility when the applicant has or had other AMEX charge cards, not just the card being applied for.          ... View more

@salt_water_swimming wrote: @csryang wrote: @ptatohed wrote: @csryang wrote: Does anyone know if it is possible to product change any Citi cards to this Citi SYW card?  Or is it only possible via applying for it :(   Also-- how soon after getting this card for the first time that you started to get these kinds of spending offers? I think you have to, and it is best, to apply for it.  You don't want to miss out on the $225 intro bonus.    Just get the card, start spending to meet your $1500 / 90 days intro bonus, and you should ( :fingers crossed: ) start getting various offers.  Good luck.   That intro sign up bonus is still low to waste a hard pull/new account hit to credit report... I was thinking to apply for Citi Strata Premier for the higher bonus offer and then later product change to Citi SYW card. However is it possible to product change into SYW card? Does anyone know? This is very unlikely since the SYW is managed by CitiRetail, which is a pretty separate entity from Citi's main banking operations. It's a co-branded card. It would be like changing a Chase Freedom to Ritz Carlton, which doesn't work either. Yep.  Can't do it. ... View more

I think it's less about fintech per se and more about startups working to carve out niches leveraging it.  Priorities are going to be different for a FI like Fidelity  (Mr Johnson was a huge proponent of leveraging technology) to develop and incorporate it,  it's another if you're say a young company with about 70 employees headquartered somewhere around Geary or California St in San Francisco with your VC  pulling the pursestrings in line with their own interests.   ... View more

@Varsity_Lu wrote:  Payroll direct deposits don't have any wait time as far as I can tell, just transfers from other banks.   IME that's correct.  ... View more

@Gmoney144 wrote: I have had a Best Buy Visa card for 6 years with a sl of 14k.   On Black Friday I purchase a gaming computer for my son  from 🎱Best Buy and scheduled to pick it up the next week.  I also purchased the Windows add-on.   As luck would have it my son's report card came and low grades equals a return of the gaming computer.  Went back to Best Buy to return the windows add-on and get a refund for the computer.   The Reps says no worries.  Takes back the add-on and says when the computer arrives don't pick it up and it will be returned automatically and the amount will be  back to your card.   Wrong.  Received a notification that a payment was due.  Went back to Best Buy to officially return the computer and could not receive the money back for the windows add-on.   Tried to call Best Buy corporate and could not understand their reps.  After calling many different dept, I finally gave up, paid the amount and canceled the card.    I love AI-generated responses like the post just after yours and just above mine lol   I can understand canceling the card especially if this experience left you planning to avoid Best Buy in the future.  Had you tried making a chargeback with Citi for the windows add-on? ... View more

You can get a single larger antenna and use a cable splitter to share across multiple TVs, but you'll have to run cable through the house to get to every TV and unless you live in an area of fringe reception using an indoor desktop-grade antenna placed at each TV should work fine.  FYI when it comes to antennas "Digital TV" is a marketing term and don't fall for the fallacy that more expensive == guarantee of better performance. Depending upon your specific circumstance a model that includes a preamplifier aka "signal booster" may however help with reception.  ... View more

@12njoy wrote: @SRT4kid93    I'll answer for myself with the caveat that this works for me and may not be for others.  I don't apply as much as I used to do but when I do sometimes I am denied for too much available credit.  This happened recently with Jovia.  While others may not worry about my available credit.  I recently in the last 3 months opened 3 cards with First Financial Bank and a line of credit totaling $70,000.  No concern about the credit i already had.  So to answer your question it depends on the lender.  I use all my cards over a 3-4 month period.  I'm not going crazy trying to figure out how or when to use cards.  I rarely use cash for anything so if one thinks about the things we buy only a daly basis (i.e. food, gas, merchandise, etc.) using cards isn't an issue over time.   Shucks even if that's going to the carwash and using 3 cards at $2 each for a rinse/soap/wax.  That's 3 cards at minimal spend.  Again this may not work for some but works for me which is really all that matters to me. Sounds about right.   I could count on 1 hand the number of times I had to use cash in 2024. The cards that give me the most value see the most spend but I have no shortage of spend opportunities. Worst case is that I have to put a $5 refill on an Amazon gift card.  I haven't been applying for anything recently either, basically because there hasn't been anything new that offers anything substantially better than what I already have.     Comenity did close a sockdrawered store card on me about a year ago, nothing I shed any tears over.    In some cases I do get promotional spend offers on quiet cards, I'll leverage those if I can do so with organic spend. ... View more

Just to be clear, be sure to wait until the 9th day after applying for a Citi card before applying for the 2nd Citi card and while it isn't a given if your profile supports it they have been known to approve a 2nd card right after the 2/8 rule has been satisfied.   One thing to keep in mind is that while AMEX is a very reliable EX puller Citi will sometimes instead pull from TU or EQ, so when you apply you might want to keep track of who is pulling what (or even if Citi double pulls) as that may suggest a change in strategy after your AMEX and initial Citi applications.   I would apply for the AMEX first as their current process is to make an offer of credit based upon only using a soft pull.  You only get an inquiry if they extend an offer of credit and you accept it,  if they deny your application or if you reject their offer of credit there is only the soft pull.   If you're off the Barclays blacklist (they do have a very long memory btw) if they see the recent inquiries don't be surprised by a denial, however they're a pretty reliable TU puller.    The 2/12 vs 2/13 difference is meaningless with regard to FICO scores,  the scoring models automatically exclude an inquiry if it's more than 12 months old.   ... View more

@Sixburgh79 wrote: @Gunnerboy wrote: "Enough" or "too many" are personal subjects.  Just my opinion, once you start asking about "too many" (for yourself), that could be your subconscious telling you, more may not be wise.. Well it's not that, I have many accounts and manage them fine... I just enjoy new cards and I'm simply curious when it comes to how it looks on one's credit file if it's a negative or as long as they're managed if it's a good thing ultimately.   It can be a negative in the context of issuers factoring in current number of open cards and TCL as part of the application process and sometimes they do issue denials if they exceed certain thresholds.   That's often attributed to their not wanting to encourage bonus-chasers or not wanting to issue cards they will believe are destined to be sockdrawered from the get-go  but there can be other reasons including a wariness against extending unsecured credit to someone whose current TCL is already several times their current yearly gross income.   The actual thresholds are very much a YMMV but there are a couple of credit unions occasionally mentioned here that data points suggested over the years don't like a TCL more than somewhere in the $200K range,  other members with roughly 20-25 cards have reported denials due to reasons that translate to "you already have enough cards".     This isn't a universal truism by any means but it does happen.   ... View more

@NoMoreE46 wrote: Knowing that I would close this, I would have sent the picture  request with the note hanging off of my dog.     Which end of the dog would have been facing the camera?  :P ... View more

You need to be have the desire and ability to keep yourself motivated enough to properly keep track of each of them religiously to avoid missed payments and protect against fraudulent use, and to exercise each of them appropriately enough to keep issuers from closing them due to insufficient use.   Some people don't want to be bothered with more than a handful, others can and do keep track of over 100 open cards. (I'm at about 70 cards, not motivated to take on any others unless it's a better card than one I already have that I'd be motivated to replace)   It also can get to a point where you have redundant cards for your redundant cards.  How many 2% cashback cards can most people effectively use?   ... View more

BECU just rolled out their targeted post-New Years BT offer today - 3.99% APR 12 month no BT fee, complete the transfer before March 31st. ... View more

The correct term is a withdrawal of the inquiry/inquiries and yes they can have them withdrawn themselves, they need to initiate it and it'a a 2 step process they need to follow for each inquiry.   A withdrawal doesn't perform a recoding or leave an annotation on your report, it removes the inquiry entirely in effect wiping the slate clean.   You need to call the CU ASAP and tell them that you fallowed their preapproval process because it told you there would be no impact to your score and that you saw nothing that led you to believe that you were actually submitting an application nor that there would be credit inquiries., you did not intend to apply for a card, and if the process did submit an application you want that application voided and the inquiries withdrawn.   Be sure to specifically use the word "withdrawn" when telling them what you want done.  Write down the approximate time(s) tha tyou called and the names of everybody you spoke to as well as a brief synopsis of your conversation as you may need that info later.   If they give you a "too bad, sucks to be you, have a nice life" type response file a complaint online with the NCUA.   Having the approximate time(s) you called and the names of who you spoke will be useful when you're writing out your complaint.   Do NOT file disputes with the CRAs.  They wont process the requests as there was no fraud. Do NOT file a complaint with the CFPB looking for resolution as this is not within their scope of influence.  They will sometimes forward to the NCUA but they're more likely to cancel out your complaint and tell you to file one instead with the NCUA.  (If this were a bank you'd file a complaint with the FDIC).   If you end up wanting to file with the NCUA this is the URL you'll want to use:  https://mycreditunion.gov/about/consumer-assistance-center/complaint-process     ... View more

@Jnbmom wrote: @RaeRae1226 wrote: @Jnbmom    What was the other way years ago? It was the San Diego naval council but that loophole shut down I believe in 2018 maybe . No other ways then through guidelines on website  For completeness, they closed the Navy League loophole effective May 5 2017.   Longish story on how I know this.   ... View more

https://www.youtube.com/watch?v=ox-NkyEFTmo ... View more

Having a freeze in place makes it a lot more difficult to open a new account in your name which makes it a useful anti-fraud measure or as a minor deterrent against acting on impulses to apply for new accounts but it doesn't necessarily prevent a bank or credit union with whom you already have an account from soft pulls if they're being done for the purpose of reviewing your current status.   10 new accounts in a space of several months isn't unheard especially if you're chasing new account bonuses but is unusual and you've  gotten yourself onto their radar as being at what they see as a higher risk of being up to something they don't like so they're just keeping tabs on you.  If you let the dust settle they'll eventually back off. ... View more

Either Citi has decided they now hate me or TYP 2025 gas/grocery/restaurant offers are either going out later (that sometimes does happen with TYP offers) or (wah) not at all. ... View more

A BK7 reporting is a known senario where Chase may show a preapproval but a followup application will by policy be denied and a recon will  be unsuccessful.    If yo wait until the BK7 is no longer being reported before applying you will at least have a shot of an approval upon recon.   ... View more

@UpperWeb wrote: Hello, can you share some more detailed data points in the pre-approval spread [YOUR ALLREADY APPROVED ]. I opened my own account and was approved in July 2024 for a $25GSig- Elite card and took the card.   Like the other fella said he sees only the [BROERAGE DEAL] in the see my offer.Been very active with these guy's prerhaps you can share somemore data points on how to "trigger" these jewels into my account. [TRYING TO GET THAT "SAFTETY LINE" AKA PLOC].Like it says in small writing like products selected for you on your image.......   Thank You That looks like they recycled the old PenFed Offers panel, it's even in the same location on the web page.   All they need to do is make the default a TurboTax offer. ... View more