@Jnbmom wrote: Fnbo is weird though I have one card from them but if I check under other cards, I  enter  my zipcode they don't offer in my area 😳 Their geofencing practices have always had weird quirks,  things like sending targeted invitations to apply to people living outside of their geofence (and occasionally denying a respondent due to living outside the geofence, lol) and only offering a kneecapped online-only deposit account (why bother?) if outside the geofence. ... View more

Search for old threads related to the Shopping Cart Trick aka the "SCT".     I'm sure most of the threads that you find outlining successes, where a success would be defined as getting a card with only a soft pull, will pre-date COVID.   TL;DR over a period of several years several Comenity cards would sometimes extend an approval offer on some of their co-branded cards if you were logged in and shopping online at that particular co-branding  merchant's website and had placed items in the online cart; you had to accept the offer then and there and it was basically a guaranteed soft pull.     I don't remember the Caesar's card as being one of them, but from memory others like the Sportsman's Guide and Victoria's Secret cards were.   That trick pretty much died out for a short while and then picked up to some extent again but at that point it was a roll of the dice whether or not there would be a hard pull if you accepted the offer and there was no indicator or tip-off as to whether your acceptance would trigger a hard pull or only a soft pull.   No idea if even that is still in play.         ... View more

The US-version Visa Infinite $10K minimum starting limit is the typical benchmark but the multiple examples of USBank issuing Altitude Reserve cards with an SL of less than $10K (lowest I remember seeing reported was $5K) by itself demonstrated that the $10K minimum isn't actually a requirement.   UA Club Card does have a minimum starting limit of $15K,  that was true even when it was being issued as a Visa Signature card.  UA originally made the upgrade for existing cardholders  from a Visa Signature to a Visa Infinite optional (with an increase in the AF) but later made it mandatory. ... View more

Yep you found it.  Nowadays in the mobile app (at least for iOS) when you select Rewards the correct button is the orange "View Offers" button on the right side of the Just For You frame, in some cases you get to that particlar page, in some cases you might see a "View Rewards History and offers" link under a Redeem Awards button that you'd select.  Either way you end up at a  "Rewards Just For You" page to show your current offer if you have one for that particular card - if not you'll get a No Offers currently available message -  and the option to see the expired ones. ... View more

@JoeRockhead wrote: Every three months would be my recommendation.  USB Chase BoA Barclays I'd go along with this as well, in part because there wouldn't be any potential issue with either the Chase 5/24 or the BoA 3/12 rule.   Chase and BoA are not fans of being participants in app sprees and while the overall risk isn't hign of AA being later taken (especially with BoA) neither bank has qualms about circling back and closing a new account 6-8 weeks post-approval. ... View more

@UncleB wrote:   Of course you'll definitely want to check with a lawyer, but the bank accounts might not be as much of a problem as you think (other than the fallout from an upset SIL, of course).  As for the POA, it can be revoked with a notorized form (very similar process to setting it up) - again, lawyer stuff.   Side note:  In my family's situation we hesitated too long to get the lawyer involved, and things almost got really complicated before hospice was brought in and a few weeks later she passed.  That hospice period (and the months before) were precarious, since had something beyond paying routine bills come up we had nothing legal indicating she was incapacitated. Absolutely would need to discuss with the attorney if a POA revocation would hold up given that they've already made comments regarding possiblity of MIL being declared incompetent.   As for the bank account(s),  steps should be discussed with attorney but it can help with outlining the best path if it's known how the current account(s) is/are structured i.e. if an account is a joint account and if not who is the primary.    Knowing when the account was actually opened could at some point be useful as there are potential future senarios where the state could find it relevant.   If there are concerns or questions about how money has been spent it might be worth discussion with the attorney whether the current account could/should be reviewed.   ... View more

@FicoMike0 wrote: I don't think cardless is a real bank The actual issuer is a very small, as in < 100 employees total, bank  (First Electronic Bank) with a state charter issued in Utah.  It isn't clear to me what the exact nature of the partnership is between Cardless and the bank.   As for what the OP should do I'd suggest they consider sitting tight and waiting at least until say June 5th to get informed of the outcome as it could be that their anti-fraud person is backed up in performing verifications so turnaround is slow.    If you didn't hear from them by June 5th you can try contacting them again,  or if you wanted to risk making waves try filing an online complaint against the bank with the FDIC or Utah's Attorney General's office for failure to notify you of the outcome within 30 daysafter the application was submitted - the reason for June 5th is to give ample time for a status mailed via USPS on the 30th day to arrive.  The bank is supervised by and insured with the FDIC but they are not a member so a complaint may fall outside  the FDIC's scope of governance, in which case your recourse may have to be through the Attorney General's office.   As an aside I've had BoA's antifraud staff take more than 3 weeks to follow up with me before to confirm it was me who applied and I was ultimately approved, so don't give up hope.     ... View more

Someone else here went throgh this a couple of weeks ago.   https://ficoforums.myfico.com/t5/Credit-Cards/No-more-Navy-Federal-APR-reduction-request-allowed/m-p/6822034#M1885774 ... View more

@simplynoir wrote: !!! <quick sidestep> Howdy stranger, ltns - hope you and the wife are doing well! <back to our regular programming> ... View more

@Dcowboy08 wrote: I use RFID blocking cards in my wallet and other items to prevent scanning my cards. Even without RFID blocking that type of risk is pretty much just a red herring,  starting with the range of these cards is only a couple of inches.   The bigger risk comes from senarios like card skimmers or in restaurants where a server takes your card from you to a different area out of your sight to process the payment and then taking quick pics of the card's front and back with a cell phone camera before they walk back to hand your card back. ... View more

@Navaster wrote: Is this a Barclays card!? I had no idea. I have seen advertisements for it before and laughed at the concept of applying for it, because of how bad it seems. I always assumed it was a scam. Barclay issues it, you have to be a bit careful when reading the fine print to find the disclosure. ... View more

Their policy for years has been that it takes at least 6 months after receiving a CLI on any of their cards before being eligible to get another one on a card, it isn't like for example NFCU where each card has its own independent 6 month cycle. ... View more

Congrats on the approvals and their being done in the right order - another data point showing that the axiom about it being a hard rule that AMEX doesn't approve 2 charge cards the same day is false. ... View more

@ptatohed wrote: @coldfusion wrote: Hmm.  Logged onto BoA to push a CC payment and noticed my Preferred Rewards tier has changed.     I have Diamond status but nowhere anywhere near $10 million in assets, but no email or anything in Activity Center pointing to a change.  Looked for a press release; nothing there but they did announce yesterday upcoming promotions on the CCR and UCR starting 6/1; CCR 3% category will instead be at 6% for the 1st 12 months and UCR at 2% uncapped in addition to the standard SUB.  No language about Preferred Rewards tier uplifts not being in play.   https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/05/bofa-boosts-cash-back-for-new-cash-rewards-credit-cardholders-.html   BoA clapping back at US Bank including a restructuring of their Preferred Rewards tiers? cold,   Where do you go to see that?  I still see this but I don't see a tier mentioned:   Earn rewards 2% unlimited cash back on every purchase 2% Smartly Earning Bonus on every purchase because you have a U.S. Bank Smartly® Savings account and combined balances over $100,000 (earning you a total of 4 points/$1) Not yet fully caffeinated this morning (working on that) so not sure what it is you want to see, but if BoA has made a formal announcement about modifying their Preferred Rewards tiers I haven't found one although timing a response on their part based on the US Bank 5/19 date makes sense. ... View more

@ptatohed wrote: What is special about this CU? Focusing on credit cards,  their offerings appear pretty generic other than the low end of the Platinum card APR range is 12.4%. ... View more

@dfwxjer wrote: @NoHardLimits wrote: The only one I've seen in real life was being waved around by some guy trying to enter an airport lounge.  He was holding up the check-in line because he didn't know that he actually needed to request a physical Priority Pass membership card and just kept insisting that his "BLACK CARD!!!" entitled him to lounge entry.  No, he did not get in. Hahahahahahaha I just witnessed this exact scenario a couple weeks back. First and only time I've seen this garbage card in-person and the cardholder was being an over the top jerk trying to muscle his way in the lounge with his black card. He was irate that he waited in line and still not let in!  I wouldn't call it a garbage card, more like an over-hyped and overpriced product that successfully targets gullible individuals. ... View more

Hmm.  Logged onto BoA to push a CC payment and noticed my Preferred Rewards tier has changed.     I have Diamond status but nowhere anywhere near $10 million in assets, but no email or anything in Activity Center pointing to a change.  Looked for a press release; nothing there but they did announce yesterday upcoming promotions on the CCR and UCR starting 6/1; CCR 3% category will instead be at 6% for the 1st 12 months and UCR at 2% uncapped in addition to the standard SUB.  No language about Preferred Rewards tier uplifts not being in play.   https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/05/bofa-boosts-cash-back-for-new-cash-rewards-credit-cardholders-.html   BoA clapping back at US Bank including a restructuring of their Preferred Rewards tiers? ... View more

@Thomas_Thumb wrote: @911gt34life wrote: Currently I am 0/6 but consider waiting to be 0/12  for App Spree ...    What is the most credit card you open in 30 days..    I'm trying to determine the best strategies of opening multiple accounts Fast.... For me 1 card is the most but I have done CLI requests on 3 different cards in a month back in the day.   I've seen some successful 3-5 card rapid fire sprees mentioned on the forums. I'd suggest going 0/12 before proceeding with a spree.   HPs associated rapid fire applications may not post until the next day. If true a multiple card spree in the same day may avoid detection for same day credit pulls.   There has also been some discussion that credit card HPs could be deduped with some credit algorithms. If true, the time period is fairly short - perhaps 14 days. In such a case a spree could minimize credit score penalty from multiple HPs.   Do a search for "credit card spree" for poster data.     Dedupes for scoring purposes aren't normally associated with credit card applications.  They're in play with installment loans like mortgage and auto loans whose inquiries are coded correctly as being for an installment loan so that an applicant's scores don't get unfairly penalized because they shopped around to get the best rate.   The dedupe only impacts the scoring algorithm and  each inquiry is still individually reported.     ... View more

@Patient957 wrote:   I'll be shocked if we see someone come into this thread to sing the praises of this card.     It's happened a couple of times that I remember. The mailers in particular used to be very good at ego-stroking although I haven't received one in a few years. ... View more

The Black Card and its brethren Gold and Titanium cards have come up for discussion here multiple times since I joined the site.   General concensus is always pretty much the same,  once you get past the marketing sizzle and take a close look at what these cards actually offer in cmparison to other cards the overall benefits don't really justify the AF.      ... View more

Do you have any derogs (especially a BK) still reporting or prior bad history with either Chase or a company they later merged with Chase like for example WaMu or Providian?   A BK reporting won't stop a preapproval but has a very high probability of derailing an approval even if Chase wasn't IIB and they have a very long memory even when the problem was with a with an acquisition dating from before Chase absorbed them. ... View more

That's a top-tier SL from BoA - congrats!! ... View more

@aedny1212 wrote: so what will happen with my Apple Card since I'm blocked  for life with Barclays because of a bankruptcy  well they close my account Barclays? We can only speculate on what might happen until a final agreement has been agreed to and socialized, yours is a senario whose outcome would be outlined as part of that agreement.  It's possible that as part of the agreement accounts like yours would be just closed without ever being transitioned to the new creditor but by the same token if Apple insisted that these accounts transfer over intact Barclay could  choose to agree to do so if they want the portfolio badly enough. ... View more

@GZG wrote: if there's a minimum standard for these designations, I have no idea what it is They do have outlined standards but they're better descdribed as reference standards that an issuer is to some extent authorized to either augment or nerf.    The page below for the Infinite tier is specifically for the US version of the card. Visa Infinite cards issued outside the US (that includes cards issuers in Puerto Rico) have a different reference standard and from what I've seen in the past a much lower typical AF.   https://usa.visa.com/pay-with-visa/cards/visa-credit-cards/visa-signature-credit-cards.html https://usa.visa.com/pay-with-visa/cards/visa-credit-cards/visa-infinite-credit-cards.html https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/gtb/world.pdf https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/gtb/world-elite.pdf       ... View more

Congrats on the approval, glad you went ahead and applied.   Letter obviously was just their verification process to confirm that it was actually you who applied, they do sometimes do that.   $8K is a very nice SL for a 1st Citi card BTW. ... View more

It isn't just US Bank,  nowadays many of the larger banks/credit unions or smaller ones that use one of the FDIC/NCUA vetted 3rd party services use geolocation tracking to compare your apparent approximate location with your legal address.  If the distances are too far apart as an anti-fraud measure the application is either outright refused (I know BBVA used to this),   denied, or referred for manual processing.  If you're using a traditional VPN or a zero trust product like a Netskope orZscalar this is a known risk.  It can also happen if you're using your work computer out of an office where network traffic is backhauled over an internal network to a more central location to connect to the Internet. ... View more

BoA is very much a relationship bank, what they want to see is regular use of the card and you won't impress them by deliberately planning to have high balances report on your statements.  Paying down or paying off a balance created during the current billing cycle before the due date of the same billng cycle won't hurt how they view you as they'll know themselves that you're using the card and paying it off promptly.   No harm in trying for a CLI first and then 11 months later applying for another card (TU soft pull for a CLI request is typical) but  how long you've had your current card does matter.         How long have you had your current card? When you log in online  and look at the the card's account info do you see a blue "request a credit limit increase" hyperlink?   Odds of success are better if you have one but there are multiple data points over the years showing that one can get a CLI by calling in even if there is no such link.     ... View more

There isn't a 100% set formula for how they make the decision but factors they take into account include how frequently you've been obtaining new cards in general as well as with AMEX, the amount of spend and how often you use your current AMEX cards,  and how often you keep a card before closing it.   It isn't meant as a reputidation of you as a cardholder and you aren't permanently stuck in some kind of AMEX hell,  this policy is one aspect of their systemic blanket effort to deter card churning.   If you keep using your AMEX cards regularly along with your typical PIF (AMEX PIF) you'll eventually get out of jail, but nobody can predict how long it will take for that to happen. ... View more