Congrats! Great choice!   ... View more

Congrats! Great choice!     ... View more

@MrDisco99 wrote: @ocheosa wrote: @MrDisco99 wrote: I've had an Elan (Renasant Bank) MCP for the last 3 years that I've used to pay my utility bills each month.  That's several hundred dollars each month and I paid in full religiously and never missed a payment.  I also got an Everyday Rewards+ card that I briefly used for restaurant spend but has mostly been in the sock drawer for the last year or so.   Yesterday I tried to pay my gas bill with my MCP as is my usual routine and the transaction was declined.  I called the number on the back of the card and they told me my account was closed, could not explain why, and gave me a number to call.  So I called that number and spoke to someone else who looked me up and told me that "due to the terms of the deposit account agreement the accounts have been closed."  I told him I don't have a deposit account, and asked what terms I was afoul of.  He told me he couldn't tell me anything else.   So yeah... if you have account with Elan they might just shut you down and not tell you why. @MrDisco99  , If you recall the app asked if you had a deposit account. I think the easy access to bank/credit union websites and issuing of cards w/o following guidelines is now being corrected.    Lately, when browsing different banks who have elan seriviced cards, I've noticed you have to login to online banking in order to apply for cards.  It was 3 years ago.  I don't remember anything about that application process.   You reminded me of something I forgot to mention, though... when I asked about the supposed "deposit account agreement" the guy on the phone asked me if I'd remembered the document I'd signed when I accepted the card.  Of course I told him no, because I don't remember signing anything, and even if I did, I certainly don't remember what was in it.   He said I'd agreed to terms in that document.  I asked what specific terms were causing my accounts to be closed and he couldn't answer.  So I still don't know what document I supposedly signed or what was in it.   If cardholders are supposed to have deposit accounts and they are cracking down on that, then I guess that would be a reasonable explanation.  He could've just said so, though.  And it's kind of annoying for them to be enforcing that policy retroactively.   @MrDisco99  We can never be sure the exact reason why banks close accounts without notice. They can/and do use whatever reason they find best fits to cease relationship.  I can confirm that elan does credit bureau account reviews often. Not sure if that may have also contributed to this decision.   My first MCP was under that direct elan general application site. I left the account relationship box empty and they sent me a Bank of Ca MC. When I applied for my 2nd MCP and business cards, I first opened deposit accounts with associated local banks .    On the application it asked- ACCOUNT RELATIONSHIP INFORMATION $????  Checking, Savings, and Money Mar... $????  Investments and Retirement Accoun...   IMPORTANT TERMS AND APPLICATION AGREEMENT "You agree that, in order to open and administer the Account that may be established as a result of this Application, we and the correspondent financial institution that solicited this Application may share certain information about you and your ongoing Account activity. By submitting this application, you certify that you read and understood the disclosures here and you agree to the terms of this Application."     terms ... View more

@MrDisco99 wrote: I've had an Elan (Renasant Bank) MCP for the last 3 years that I've used to pay my utility bills each month.  That's several hundred dollars each month and I paid in full religiously and never missed a payment.  I also got an Everyday Rewards+ card that I briefly used for restaurant spend but has mostly been in the sock drawer for the last year or so.   Yesterday I tried to pay my gas bill with my MCP as is my usual routine and the transaction was declined.  I called the number on the back of the card and they told me my account was closed, could not explain why, and gave me a number to call.  So I called that number and spoke to someone else who looked me up and told me that "due to the terms of the deposit account agreement the accounts have been closed."  I told him I don't have a deposit account, and asked what terms I was afoul of.  He told me he couldn't tell me anything else.   So yeah... if you have account with Elan they might just shut you down and not tell you why. @MrDisco99  , If you recall the app asked if you had a deposit account. I think the easy access to bank/credit union websites and issuing of cards w/o following guidelines is now being corrected.    Lately, when browsing different banks who have elan seriviced cards, I've noticed you have to login to online banking in order to apply for cards.  ... View more

@nrack79 The number I provided earlier is the number that shows up on the caller id when they call you but you can't call in to it.   Here are a few numbers that will hopefully prove useful: 888-338-2586 (Application Status) 888-688-6708 (Verification department) 800-278-8830 (Verification/fraud deparment)     Creating a household account is free but since the system allowed you to link cards in different names there's no need. Which would then lead me to believe you should be ok with the current application being submitted under your huisbands account.     ... View more

@nrack79 wrote: So a little frustraing, The link said I was prequalified for the chase amazon so I took the plunge and still got a pending app. Not sure why that happened. I will call tomorrow I guess and see. I did it through my husbands amazon prime account. But put in my name and social in the prequalifier so maybe its a fraud verificatioin thing.  @nrack79 , It most likely went pending because your information did not match the account holder. Seems you could've just applied in your husbands name. Do you have a household prime membership? Where a second adult can be added and you have a separate wallet that you had to merge.   I don't know how it works when using a spouse's account and applying for a card within that account in a different name. Hopefully since many families use the same amazon account it won't be an issue. Usually fraud will call first thing to verify an application. Pick up when they call (888-373-1969) so if there are questions you can answer straight away. Hope it works out for you.   ... View more

@nrack79 wrote: Calling in didnt go my way lol. I think im just going to work with what i have for the next 12 months or so and try again. Id really like to get into chases eco system, and since landing the Venture X im not super worried about a travel card or a large limit. Id be happy with a 500 limit freedom or prime card.  But im not going to fret too much about it, and dont want to risk another HP to try for it.  @nrack79 , You don't have to waste an HP, the amazon cards have the option to first prequalify with an SP before taking the offer. Once you accept the offer by submitting the application, you are then hit with the HP.  Below are the links for both cards.   FYI, if you're a heavy amazon shopper, it tends to push through...just an observation I've made over the years; as well as Chase gives better SL's than Synchrony. YMMV. Example: My DP's when approved for the Chase Amazon prime (2022) - score was EX-8 799 and new accounts 10/24 , 5/12 (9/24, 4/12 reporting).    *Log in to your account, then tap on the links*   Try the Chase first since that's the card you want and it has a $250 GC sub right now through July 14th! Good luck!   Chase Visa card ($250 gift card) https://www.amazon.com/dp/BT00LN946S   Synchrony Store card ($100 gift card) https://www.amazon.com/dp/B008A0GNA8       ... View more

RIP Discover...Oh Danny Boy .....         ... View more

@iowe wrote: Thanks for the feedback. I'll update this if my score takes a hit. Hopefully I'm ok though.  @iowe , FYI, the grace period is from the statement cut date, not payment date. Keep an eye on account because you may be charged trailing interest on the next statement. When outside the grace period it sometimes takes one or two statements to reset so check account on statement cut date and pay balance due right away or interest continues to accrue until it is restored.   Your credit is too good to let it get ruined over something like this. If your normal calendars are too busy, create a credit/budget calendar on your phone with recurring reminders of payment dates a week, and two days in advance so you never miss a payment again. I also have account anniversary and CLI request dates set up on mine. I do this the first week of January every year, it's super easy(duplicate option) and it works perfectly.   While autopay is a great tool, situations still happen so make sure you don't become lax when autopay is turned on. Set up alerts to confirm payment was made. Technical glitches are known to happen.     ... View more

9 Affinity VS Amex Biz Amazon Amex Biz Lowe's Chase Amazon Discover CB Elan MCP (x2) Target (x2) Store CC and Debit (used for Biz)   ... View more

@syesdnil11 wrote: Has anyone else had issues with Synchrony Bank randomly slashing credit limits and then hitting you with over-limit fees? It honestly feels like they’re setting people up. Last year, they dropped my TJX card limit from $1,000 to $110, completely out of nowhere, which caused me to go over the limit and get charged a fee. I had never carried a balance over 30% throughout the month and always paid in full. Now today, they did it again with my Verizon Visa. Limit went from $5,000 down to $1,350 without warning. That pushed my utilization above 30% and caused a drop in my credit score. Again, no late payments, no balances carried...my credit has actually improved since I opened this card. I don’t get it. Why penalize people who are using their credit responsibly? It really does feel like they’re setting people up just to ding them with fees or hurt their credit. Anyone else going through this?  @syesdnil11  Just Synchrony being Synchrony. Consider applying for US Bank Cash+ and/or Citi Custom Cash.   For the US Bank Cash+ Set the two 5% categories to (1) clothing stores or department stores (2) cell phone or tv/internet/streaming (depending on how verizon codes).   If TJ Maxx doesnt fall under either department store or clothing stores you can use the Citi Custom Cash as a 5% back up.   There are many threads on the forum about both options.   Good luck! ... View more

These came up from a quick google search: BluPeak Credit Union: BluPeak partners with Elan to offer a variety of credit card options. Bank of Marin: It is stated that Bank of Marin offers Visa cards through a partnership with Elan Financial Services. Golden Valley Bank: Golden Valley Bank offers Elan consumer and business credit card products. Mokelumne Federal Credit Union: Mokelumne Federal Credit Union offers Elan Visa® credit cards. Gateway Bank: Gateway Bank offers Elan credit cards to fit individual and business needs.   ... View more

Congrats!! Better late than never!!   ... View more

Woo hoo!! Congratulations!! Nice line up you've got there! ... View more

@cashorcharge  Woo hoo! Congrats on reaching your goal! A $50K SL is a major accomplishment! ... View more

Well played! Congratulations! ... View more

@PayAndProsper wrote: @ElvisCaprice  escribió: @PayAndProsper wrote:   I am wondering if I do the PC and make the case that the card is advertised as no FTF, if they would change it. Basically, I wonder if the policy is to strictly not change the terms, or if the policy is that whatever the agreed upon terms are will be honored, without change; the nuance there being that if I could get them to lower my APR's margin or eliminate the FTF, it would stay that way (barring penalties resulting from failing to hold my end up through on-time payments). I suppose the only way to find out, for sure, is to give it a try.   Thanks again for the response! Your thinking too hard.  They will just tell you to apply for it.  And why wouldn't you, when there is a SUB to be had.  I don't see anything wrong with trying something out.   To answer your question: I wouldn't apply for it because I am, currently, "in the garden." I am not interested in opening another account, much less with BoA. It would not be worth the HP or any effect to my credit profile due to metrics associated with new revolvers, personally.   The only reason I opened the CCR, in the first place, was to have a credit card that reported my FICO 08 TransUnion score. I am aware that there are other ways to get a free FICO 08 TransUnion score (i.e. Experian trials and now, CreditWise), but I wanted a card that reported it, at the time. The 5.25% cash back is good, but the $2,500 limit is not, in my opinion. The only thing that would have been interesting to me—at all, and even then, only slightly—would be opening up the current card to fee-free use, internationally. As long as the process wouldn't be too complex,  I would be willing to do that.   That said, I did call in to see about initiating this process. I see now, firsthand that even getting the initial PC is not as straightforward as it is with other institutions. After speaking with various reps, in different departments, on different calls, I have not even been able to get the CCR PC'd to a Travel Rewards. If it has been an issue to get it changed in the first place, I can only imagine the process of looking to get it transfered back.   As I said before, I would go through with it as long as the process weren't too complex. Unfortunately, it is, for me. The juice is not worth the squeeze. For now, I am letting it go. @PayAndProsper , you might consider PCing one of your NFCU cards to the Flagship? There is no FTF and it has other travel benefits. Just a thought. ... View more

Check out doctor of credit website. The have pretty good info on each bank and get even more detailed in the comments section.    You can also find stuff easier by googling myfico.com and bank business card.   If interested, an option for Regional/Local Elan Business Cards (More Info thread) You can just give them a call 800-947-1444 and ask for recommendations in your local area or google - Elan financial services business credit cards "state or zip code"   Good luck! ... View more

@Gregory1776 wrote: @ocheosa  how do you get the whole foods version? request? @Gregory1776 , I selected it during the application process . On the submit page there was an option to choose the card design and print terms before submitting. If interested, call and let them know you would prefer the whole foods design.   ... View more

Congrats! Just in time for Prime Day!   BTW, good choice, the whole foods design is very nice. ... View more

Woo hoo, Congratulations!! Strong Work!! Nice line up you've got there! ... View more

Congratulations !! Red Alert ! You Killed It !! ... View more

@AzCreditGuy , I wouldn't worry about inquiries, more concerned about the recent spree/new accounts.   For US Bank/Elan, I would garden a year after a spree. Maybe BOA, FNBO or Wells at 7-8 months? Shrugs. You're guess is as good as mine.   I've noticed over the past few yrs that while banks may HP one report, they will also SP another. And some FI's continue to almost stalk your reports via Account Reviews. The days of attempting to hide credit seeking via separate reports is no longer a thing. And don't get me started with EWS (and friends), although you can learn to use it to your advantage.   TLDR: Banks know so much more about you than you think they do. ... View more

@AzCreditGuy I have the Elan version of the platinum biz visa 15k as well as the biz real rewards 22.5k. They pulled TU-9. If you don't get a large enough SL for your BT needs, you can always call underwriting and request a highter limit. It will cost you a second HP but they are very accomodating.    My first cards with Elan were personal - 2 MCP's, 5k and 20k.   I read on the forum US Bank asks for docs when requesting over 50k. Here's the post/thread. It's an older thread so YMMV.     ... View more

Be thankful for small mercies! At least there wasn't an associated CLI 'processing' fee!    ... View more

@Shocker wrote: I did receive an approval notification via email yesterday.. I should get the card in the next few days.. Thanks for helping me walk through this! Congratulations !! My pleasure.   ... View more

How very Taylor-Burtonesque! ... View more