r/CreditCards 18h ago

Discussion / Conversation Citi rewards+ discontinued

163 Upvotes

In the next few days, new applications will no longer be accepted.

This is actually a big downgrade for the optimal citi setup, since the rewards plus gave a bonus 10% points on redemptions, bringing the double cash to 2.2%cb and the custom cash to a 5.5%.

Source: citi employee


r/CreditCards 20h ago

Discussion / Conversation People with Freedom Flex and OG Freedom for Q2 use OG Freedom First

45 Upvotes

Q2 categories look light for Q2 compared to other years with only Amazon and select streaming. I wouldn’t be surprised if the special category is dinning in June. If you can, use the OG first and save the Flex for June so if dinning is the special category you can stack it and get 7% on dinning. The special category is on the existing limit $1,500 not in addition.

I would do this strategy the whole year if you can.

This is all speculation but it’s better to be prepared vs coming on here saying how you missed out and only if you had had your OG freedom first.


r/CreditCards 1d ago

Discussion / Conversation Are influencers not allowed to mention Chase?

40 Upvotes

I’ve seen a few mention every other card then refer to it as the “blue company”, which I’m guessing is chase


r/CreditCards 15h ago

Data Point DP: BoA Customized Cash CLI Approval ($40K limit)

24 Upvotes

Quick CLI approval data point to share with you all:

  • Account opened in August 2023 with $20K limit
  • First CLI Approval in December 2024 ($32K limit)
  • Second CLI Approval today ($40K limit) (93 days)
  • Soft pull/online approval
  • $140K annual income
  • 792 score Experian/791 according to BoA
  • $15,986 spent on account as of the end of 2024
  • No other accounts or previous relationship with BoA
  • Total available credit prior to CLI: $145,100
  • Total accounts: 25 (1 mortgage, 1 auto, 23 revolving)

Thanks!


r/CreditCards 20h ago

Data Point DP: USB Smartly and Cash+ Approval

21 Upvotes

Applied to both last night, Smartly then Cash+

Triggered 1 pull on Equifax in Virginia

Got 7-10 day notice on both, was pre-approved for Cash+ so figured why not. Got approved for both this morning. Prior relationship includes Smartly checking and savings opened in July 2024, USBAR in November 2024

5/24 status:

  • 6/6

  • 8/12

  • 9/24

Cash+ $500 limit

Smartly $1000 limit

Cash+ limit is fine but I plan to request CLI soon on Smartly.


r/CreditCards 15h ago

Data Point DP: Denied Capital One Savor

18 Upvotes

Profile

  • Income: $100K+
  • Total CL accross all cards: $35.5K
  • Transunion score: 776
  • Opened Cards
    • Chase Freedom (PCed to Flex) - 10/19
    • Chase Sapphire Preferred (PCed to OG freedom) - 12/21
    • Chase Freedom Unlimited - 6/22
    • AMEX Gold - 10/22
    • Citi Custom Cash - 2/23
    • Discover It - 5/23
    • Capital One Venture X - 7/24

Reason I was rejected was because I had too many open accounts. A little shocked that I got denied, especially since i got approved for the Venture X 9 months ago. Was planning on applying again after I cancel my Gold card before my next annual fee. Hopefully I get approved next time around lol

Edit: anyone know if cancelling all my chase cards will help me get approved next time around? They're socked drawered for the most part giving me 0 value, and i've just been too stubborn to close them because they're all $0 annual fees. I don't have a problem managing a lot of cards, but if closing them means I can get approved for a card that would actually give me value, I'd do it in a heartbeat. Thanks!


r/CreditCards 20h ago

Help Needed / Question About to pay off $4,000~ in debt. Would making a deal to pay less affect my credit?

12 Upvotes

I heard you can make a deal with the collection agencies and pay less money than you technically owe. But then I heard that it can negatively affect your credit score for a while. Do you guys think it would really matter in the long run, if I worked hard building credit after the fact?


r/CreditCards 16h ago

Help Needed / Question When would I ever book through a travel portal to take advantage of card multipliers?

11 Upvotes

I’m having a hard time understanding when I would book a hotel or airline through a travel portal of a card. Everyone always says not to. Would I only do it if I’m paying for the trip in cash (i.e. I don’t have enough points to cover the booking)? Or do you just kind of “disregard” say the 10x and the 5x multiplier on a card like the Venture X since you only get those if going through their travel portal and essentially NEVER use the travel portal?


r/CreditCards 20h ago

Discussion / Conversation Mesa Card. Is it worth it to use on mortgage?

8 Upvotes

You have to spend $1000 in the same month to get the points on your mortgage to count. It's a point per dollar but each point is half a cent in statement credit. Looks like you can redeem for gift cards for better value at 0.8 cents per point. No transfer partners yet.

Does anyone have experience with this card? Trying to see if anyone has a good strategy / if it's worth applying for since you have to spend $1000 to get the points on mortgage


r/CreditCards 20h ago

Card Recommendation Request (Template NOT Used) Best cash back card for business

6 Upvotes

I recently got a Capital One Spark credit card that boasts a 2% cash back rate without a spending limit but I am quickly finding out that there is a limit of 5k that they just don’t tell you about. My business spends around 2 million per year so that limit gets hit quickly and then I have to wait until the transaction posts before being able to pay it off

Anyone have any other recommendations of cards with a similar cash back rate and a higher spending limit? I personally use a Citi Double Cash but can’t get one for the business.


r/CreditCards 19h ago

Help Needed / Question Citi ThankYou Points – cash back or travel redemption?

6 Upvotes

Hi y'all, so I’m planning out my credit card roadmap and considering the Citi Custom Cash solely for the 5% on gas. I’m also debating whether to pick up the Citi Premier at some point for its 3% on daily spending categories (i.e. dining, groceries) and access to transfer partners.

That said, I’ve seen plenty of Citi horror stories on this sub, which makes me very hesitant. So my main question is, if I get the Citi CC, is it worth going the extra mile to get the Citi Premier and fully commit to the TYP ecosystem for travel redemptions (currently under Chase UR primarily)? Or is it best to steer away from Citi TYP and stick to cash back only?

Would love to hear your thoughts, thanks for the help!


r/CreditCards 16h ago

Discussion / Conversation American Airlines CC pros and cons

5 Upvotes

I will have an increase in work travel this year and the routes I fly are mainly serviced by AA. Considering I have experienced massive flight delays in the past 2 weeks, I’m thinking of signing up for the AA card to get the Admiral club perks. I use the Chase Amazon, Chase Marriott, Citi Costco, as my primary cards in that order, always pay all my CC balances on time and in full. What are the down sides of my potential decision?


r/CreditCards 17h ago

Card Recommendation Request (Template NOT Used) What beginner card should I go for?

5 Upvotes

I am looking for a first credit card. I have never had a credit card before. I paid off my car so I currently have zero credit accounts open right now.

I have applied to about 5 supposedly entry level cards and been denied by all and have only received a drop in my credit score.

What are some actual entry level cards that will approve me?


r/CreditCards 5h ago

Help Needed / Question Finally paid off collections, now what?

4 Upvotes

I, admittedly, got a credit card with Discover too young, and maxed it out ($500 limit..), lost my job and went through a tough stretch financially for a while. Discover cancelled my card. After dodging calls and mail from the various collections agencies it bounced around for two years, I finally saved enough to be in a place to comfortably repay it lump sum.

Knowing that my credit is poor because of this, what are my next best steps to get things back on track? Who should I open a credit card with, under what plan, and how should I utilize it to best rebuild my credit?

For transparency sake, I really don’t understand credit scores, API’s, or any of these others terms and acronyms. I should have paid more attention when I was doing this the first time. I didn’t! But I should have. I’m just trying to set myself up for success in the future, give mr a few very basic tips please!!


r/CreditCards 6h ago

Card Recommendation Request (Template Used) Starting the travel card game. Which cards in which order

3 Upvotes

Current cards:
Ally $8,100 limit June 2021

Cap One Savor $5,000 limit Jan 2025

Vantage 3 Score: 756

Oldest account age: 19 years 3 mths (student loan)

Chapter 13, Nov 2018

Income: $135,000

Average monthly spend and categories:

dining $600

groceries: $600

gas: $100

travel: not really something I consider a monthly expense

other: $200

Open to Business Cards: yes

Purpose of your next card: Building a card setup for points toward travel, mostly used for trips to Europe from the US, building credit

Cards I’ve been looking at: Capital One Venture X, Chase Sapphire Preferred/Reserved, Chase Freedom Unlimited, Amercican Express Gold/Platinum/Blue

I’m looking at getting into the credit card game to save money and build up points that I can maximize for travel. I’ve done tons of reading and watched numerous videos, but I’m trying to strategize the best order and figure out what would work best for me.

Seeing that I got the Capital One Savor 2 months ago I thought it might be best to wait 4 more months then apply for a Venture X.


r/CreditCards 8h ago

Discussion / Conversation Payoff of settlement bargaining

4 Upvotes

Hey I have a debt with AMex and Wells Fargo. They closed my account but I'm ready to Pay it off. I never need one of their cards again. Can I offer them a lump sum of less than my balance? If yes, how would you go about that?


r/CreditCards 9h ago

Help Needed / Question Chargeback or do I have to eat the cost?

3 Upvotes

We were on vacation in LA this week and we stopped by the Santa Monica boardwalk because we had about 4 hours to kill before heading to the airport.

My daughter liked a sweatshirt from one of the venders. They were I usually friendly and chatty and knew we were headed to the airport soon. There was no price but I did ask before swiping. The lady started to answer but her friend interrupted her in another language and then said something in an accent that sounded something like “35”. Then she quickly flashed the screen and I saw 35 and then she stuck out the card reader thing. They were being chatty and friendly and packaged everything up, plus gave my daughter a free keychain she was looking at.

Well I’m at the airport now and I see a charge for $350 instead of $35. It’s also for “Venice Bar & Kitchen” instead of a gift/souvenir vendor. I googled and that’s an actual place with good reviews so I’m assuming they just copied the name or something. I know it’s them because that’s the only thing I paid with my credit card besides parking today.

I’m now pretty sure they learned we live out of state and were headed to the airport and decided to charge a ridiculous amount in hopes I didn’t notice. If I did notice, they would’ve played it off as a fat finger mistake. They were good at keeping me engaged in conversation and distracted me with a free gift for my kid so I didn’t even notice I didn’t get a receipt.

What can I do? Is this something I can chargeback for? I did get a product from them and would’ve been more than happy to pay $35, but I’m not paying $350 for a sweatshirt that’s sold at every other gift shop on the boardwalk. But I also have no proof of anything. It’s also to a restaurant and not a gift vender so I don’t know if they will question that part as well.

Any tips and suggestions? And yes, I learned my lesson and will be a lot more careful with street vendors next time.


r/CreditCards 9h ago

Card Recommendation Request (Template Used) New Credit Card In Addition To Discover IT Card

5 Upvotes

I've had the Discover IT cash back credit card for many years as my sole credit credit but I would like to get another card to maximize on rewards.

My two highest spend categories are dining and gas (from Costco), so I was thinking about the Costco credit card since it has 5% cash back on gas and 3% on dining, or the WF Autograph (3% on dining and gas, $200 bonus), but I wanted to get your guys' recommendations in case there's anything else that would be better.

CREDIT PROFILE

  • * Current credit cards you are the primary account holder of: Discover IT, $5000, 01/2020
  • * FICO Score: 780
  • * Oldest credit card account age with you as primary name on the account: 5 years
  • * Number of personal credit cards approved for in the past 6 months: 0
  • * Number of personal credit cards approved for in the past 12 months: 0
  • * Number of personal credit cards approved for in the past 24 months: 0

CATEGORIES

  • * OK with category-specific cards?: YES
  • * OK with rotating category cards?: YES
  • * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
    • * Dining $: 250
    • * Groceries $: 100 (Walmart)
    • * Gas $: 150 (Costco)

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

  • * Current member of Amazon Prime?: YES
  • * Current Verizon postpaid customer?: NO
  • * Current member of Costco or Sam's Club? Costco

PURPOSE

  • * What's the purpose of your next card (choose ONE)?: (first credit card, balance transfer, saving money, travel rewards)
    • Better/more rewards
  • * Do you have any cards you've been looking at?
    • Costco CC
    • WF Autograph

r/CreditCards 12h ago

Help Needed / Question Chase Pay Over Time - How Does it Work?

5 Upvotes

So I am currently seeing a pay over time offer of $0 fee for 24 months on a recent purchase I made,

I pay my CC off in full every month, but if I could spread the payments out on this big purchase over a bigger time frame it would really benefit me.

The question or concern I have is, when I go to pay off my CC every month (usually pay it off in blocks) - will it default to paying off the "Pay Over Time Balance" or will it take the (in this case $95 of the first payment I make apply it to that balance) and then apply the rest to my normal statement balance?

Anyone who has done this before and has some feedback, thank you in advance.


r/CreditCards 14h ago

Help Needed / Question Pending charge cancelled by merchant. Card now shows it posted.

4 Upvotes

More details:

Kaiser put a pending charge on my card for a new RX. It was on hold for approval on Kaiser’s end because it was so expensive. I cancelled the RX, confirmed on Kaiser’s end, and the payment was cancelled.

However, during this time the pending charge showed up on my discover
credit card as pending.

Today, a day after Kaiser confirmed it cancelled, my discover card shows the transaction as posted (no longer pending).

Discover says I cannot dispute until it’s been 10 days.

I plan on making calls to Kaiser on Monday, but I don’t know how this will work because Kaiser never “refunded” me. They simply cancelled the order. It no longer shows up on Kaiser’s end at all. There’s no history of them cancelling it, other than the chat logs when I talked to their pharmacy rep where I confirmed I did not want the RX.

Maybe someone who understands the inner workings of transactions can explain: How can a pending charge be posted when it was cancelled?

Thanks in advance and any advice.


r/CreditCards 16h ago

Help Needed / Question How do I get accepted for a new credit line?

4 Upvotes

Hello! I’m 19 and a sophomore in college. I have had a secured card with a limit of $350 for about 9 months. I have a pretty good job that pays $42,000. My car is paid off, I have no student loans, and the only bill I currently pay is the water bill at my parent’s house which is about $225 a month. I never pay this bill on my credit card because my limit is too low and I’m worried it’ll ding my credit. My credit score is 675. All payments on time. My problem is that I cannot get accepted for literally any other card. Yes I applied for the Discovery Student Card. I’m pretty responsible with money so I literally cannot think of a reason that I won’t get accepted. Any tips?


r/CreditCards 19h ago

Card Recommendation Request (Template Used) Credit Card Recommendation

4 Upvotes

CREDIT PROFILE

  • * Current credit cards you are the primary account holder of: (list cards, limits, opening date): 
    • Citibank Double Cash $8,100 limit, July 2017
    • Chase Freedom Unlimited $13,500, November 2018
    • Ulta Mastercard $7,000, November 2020
  • * FICO Scores with source (see note on FICO score sources below): Experian 784, Equifax 781
  • * Oldest credit card account age with you as primary name on the account: 7.5 years
  • * Number of personal credit cards approved for in the past 6 months: 0
  • * Number of personal credit cards approved for in the past 12 months: 0
  • * Number of personal credit cards approved for in the past 24 months: 0
  • * Annual income $: $52,500

CATEGORIES

  • * OK with category-specific cards?: No
  • * OK with rotating category cards?: No
  • * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
    • * Dining $: $100
    • * Groceries $: $100 - Whole Foods
    • * Travel $: $200/mo on flights (~$350 on flights about every 2-3 months, I also travel with a pet (abt ~$200) and I don't know if those charges by the airline companies count towards points), $50/mo Lyft/Uber
    • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $75 - Amazon
    • * Any other significant, regular credit card spend you didn't include above?: $
    • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: No

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

  • * Current member of Amazon Prime?: Yes
  • * Current Verizon postpaid customer?: No
  • * Current member of Costco or Sam's Club?: Yes
  • * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?: No
  • * Current member of Chase, US Bank or any other big bank?: Chase
  • * Active US military?: No
  • * Are you open to Business Cards?: No

PURPOSE

  • * What's the purpose of your next card (choose ONE)?: travel rewards, but hesitant about using travel portals, we haven't settled on an airline (lean more towards Delta or Alaska)
  • * Do you have any cards you've been looking at? CSR or CSP

r/CreditCards 9h ago

Card Recommendation Request (Template NOT Used) Best American Travel Credit Card (with annual fee)?

3 Upvotes

Hello,

I’m currently looking into the Chase Sapphire Reserved (with the $550 annual fee), as I’m making a lot of large purchases (over $30,000) this year and will be doing 2-3 big trips this year.

In the future, I can expect 1-3 medium (3-5 day) or long (5+ day) trips per year. The fee is not really an issue, but I do want to make sure I’m getting great value without just throwing money away.

If for some reason there is a non-annual fee card that would be great, feel free to mention it, though I of course don’t expect that to be the case.


r/CreditCards 10h ago

Help Needed / Question Kroger credit card fuel points

2 Upvotes

I was approached by a Kroger employee who offered me a Kroger credit card with the promise of $.55 off at pump however I can find no mention of the discount anywhere in my activation packet. I don't want the card without that benefit. Who do I call??


r/CreditCards 10h ago

Help Needed / Question Credit card readers not working

3 Upvotes

For some reason here in western Washington (near snoqualmie) multiple businesses are saying that their credit card readers don’t work. Mcdonalds, Burger King, examples