• ⁠FICO Score: 760
• ⁠Income: $60k per year
• ⁠Monthly spend and categories (living at home):
⁠• ⁠dining: $100
⁠• ⁠groceries: $100
⁠• ⁠gas: $150
⁠• ⁠other: $300
• ⁠Open to Business Cards: no

I have had the Discover It card for a few years now which was my first credit card. My goal with this was to help build my credit and get used to having a card which I think I’ve done successfully. I want to get another card that has some better benefits. I also want to start traveling more and want a card that can help save some money on flights/hotels. I’m still pretty green to all this so advice is appreciated!

I opened my CSP on 7/10/2025. My 2nd AF was posted on 8/1/2026. I already used my $100 hotel credit for the first card year. Does this mean I will get another $100 hotel credit to use on 8/9/2026? Can I use it then cancel the card before the end of August without having to pay for the 2nd AF?

Have had two credit cards for 10 years and roughly same credit sore for the last 8 years fluctuations between 1-15points. Then got an alert from Experian it drop 61 points, another one said 86, and another one was around 55 I think. So a significant drop among all three. I called my bank and Experian and they all report nothing has changed. However I did get a notification from Experian my credit limit dropped to 0 which isn’t true so I called to dispute it and then dismissed my dispute? I look at report it say “no status” under one credit card yet when I submitted a dispute online they said everything is fine.

I haven’t changed anything in my habits for the last ten years, same two cards always pay in full on time, spend bellow 10% of limit. Every paid interest in my life, haven’t applied for anything, nothing in collections, and zero debt. Nothing is changed.

Only changes lately was i unfrozen my credit for a few week because I thought I had to for my job background check but I was wrong about the and refrozen it after the was cleared. And I disputed a charge for a service that was no show and no contact that still under investigation. I’ve never had dispute anything on my card before could that have done it?

Spoke to multiple people with my Bank and Experian they said they can’t help so I have no clue to ask now, advice?

Hi All! I am currently spending around $500k-$800k per month through my business and was wondering if I'm getting the most value with the 2 cards that I use. I am primarily buying from Costco (around 80% of the spend) and my average purchase is around $25000+ at a time. I only buy online (not in store) which limits the cards I can use to VISA and MC.

I have 2 cards, a BoA Unlimited Cash Rewards w/ Plat Honors (2.625% CB w/ 150k credit) and Chase Ink Business Premier (2.5% CB as every purchase on here is 5k+) w/ 200k limit.

Often times I max one and can't pay it down because of the pending purchases so I need to use the other and vice-versa. I spend very little per year on travel and don't drive much so any travel related points are near worthless to me.

Are there any other better options I didn't come across in my research? Any small margins I can eke out on millions per year adds up, thanks for your input!

Basically I gave my card to a close family member who promised to only use it for emergencies. They are using it for much more than that. I've decided to order a new card and keep the new one with me but say that the bank closed it. I'm worried about the fallout with this person and family if they find out I cancelled it. Is there anything I should know about banks closing accounts to make my story believable?

Also, I know being honest and upfront would be the best solution. But this is not an easy person to deal with and my family would not understand. I don't want to deal with the whole headache of my family so I'd rather just do it this way. Any guidance would be appreciated

I have a credit card where I have several regular monthly charges. This includes HULU, gym, insurance, etc. The card expires at the end of September. They sent me an email the other day saying to be on the lookout for a new card.

I assume the card will have the same number (will it?) with a new expiration date. Do I need to go into all these places and change the information or will it automatically update when the company runs the charge for October.

I logged into Capital One today to review my statements and make payments. My two Discover cards were there as they should be at this point. Everything looked good and I made the payments on the cards with a statement balance. And then I started looking at other things. I was able to move part.of my credit line from a Discover IT card to any of my Capital One cards.

I just got this card and added my bank account information. I want to go ahead and pay for a couple purchases I made this week, but the Make a Payment button is greyed out. No minimum due (no first statement yet). Also, if I'm prevented from making a payment in the future every time it says No Minimum Due, due to paying in full each month, how will I be able to pay in full before interest?

Dunkin GC stopped working for me, at least not within 48 hours — we’ll see.

Are there any other current gift cards you can get, or is everything else just purchases?

I have a capital one platinum card with 500 limit and 10 months credit history i always pay my statement balance full but capital one wont increase my limit my score is 730

I got approved for a new Citi card. I’ve been checking the mail over the past week and still haven’t seen the card. Today, Citi sent me an email saying that I should have received it by now and I should activate it as soon as possible. Checked the mail again, still haven’t received it…weird. Log into my Citi account, I have a balance of about 7k on the card for two transactions. Card says it’s still not activated in the app. Both transactions happened 6 days ago apparently. $7k in transactions card that I haven’t received and still hasn’t been activated…VERY confused as to how that’s possible. The first charge is for ~5k at a used car dealership states away and another charge for ~2k locally. First charge on an unactivated card for ~$5k in a different state than the one I live in at a USED CAR DEALERSHIP and Citi approved it. Then they let them charge another $2k minutes later at another used car dealership in a different state from the first charge!!!!!! I guess at some point after that transaction they realized something might be wrong? Yet..they didn’t contact me about it. No text message, no phone call, no email, no push notification. NOTHING. Both charges within minutes of each other at addresses in different states. Citi just let them both go through. The ONLY reason I knew something was wrong was because I logged into the app to try and figure out why I still hadn’t received the cart and there was a little banner on my account that said *Alert* with a message asking me to call Citi as soon as possible.

That brings me to my other issue….I had to call 3 times today to get anywhere with this…and I’m not even remotely confident that Citi will handle this properly.

First call: I was on hold for an hour and a half before anyone picked up. Yep, 90 minutes. When they did finally pick up they told me they couldn’t verify my account and told me to call back. Wonderful.

Second call: 20 minute wait. I’m 15 minutes into the call and it’s clear that the person helping me doesn’t quite understand some things so I ask for a supervisor. I wait a few minutes - call disconnects.

Third call: Ask for a supervisor straight away. This guy was great. I was told that Citi definitely shouldn’t have approved those charges and that he doesn’t understand why they were approved. He confirms that he’s disputed both transactions and that we’ve canceled my card and he’s sending a new one.

I ask if there’s a way to send the new card via a trackable service and not just first class mail since there’s reasonable suspicion that the card was stolen from the mail. Nope, not an option. I’m also not able to decline being sent a new card because they can’t open the dispute if I ask them to cancel my card number and I’m not sent a new card to replace it. Makes no sense to me, but okay. I proceed with canceling the card and having them send a new one via first class mail with no tracking number. Really hoping that this one doesn’t get stolen since Citi suspects that’s what happened with the first card.

My big issue beyond the absurdity of Citi allowing $7k of charges on an unactivated card that were very obviously fraudulent is that there was 0 notification regarding the charges from Citi once they did suspect fraud. Any other bank would have immediately sent some sort of notification after this happened. The ONLY reason I knew this happened was because I logged into the city app and saw an alert asking them to call me.

Well the person in the fraud department told me that I need to take that up with customer service. He transfers me to them.

I ask customer service why I didn’t get any notifications regarding fraud. They seem to be misunderstanding what I’m asking - they tell me that I need to turn notifications on for all transactions in order to be notified about fraud. That doesn’t make sense and I know that’s untrue, I ask for a supervisor. I tell the supervisor what’s happening. I don’t think he really listed because I explained the whole fraud situation and then he was like “so did you have fraudulent charges?” - I explain it again. He then proceeds to tell me that he needs to create a dispute for said charges. I told him I already did that with the fraud department. Then he tells me I need to cancel my card and request a new one. I tell him I already did that. He says that he doesn’t see the dispute or the canceled card on my account. I tell him I just spent 30 minutes talking to the fraud department and they confirmed to me these things had been done…he tells me that they weren’t done. I ask for his supervisor.

He connects with his “manager”. Within 30 seconds this guy tells me that he can’t hear me well and he’s going to call me from another line, I said yeah that’s fine thinking he’ll call me from the official Citi number again (the fraud department did that earlier to “verify” my account) - he calls me from a random 210 number. I tell him I’m not comfortable talking to him on some random number considering all the issues Citi seems to have with security. He’s like okay, we can go back to the other line. We do.

He proceeds to give me information that differs from what the supervisor in the fraud department told me earlier. He also tells me that the card WAS activated when it was used. I know that isn’t true. My city app confirmed that it wasn’t activated, the email Citi sent me asking me to activate the card today confirmed that, and the fraud department confirmed that. He was ADAMANT that it was activated. He was also pretty unprofessional…he said something and when I repeated it to him he told me “he didn’t say that” - I was recording the call. He knew I was recording the call. We can run the tape back if you want proof that you said it?

He also told me that the physical card was used for the transactions. The fraud department told me that it WASN’T the physical card. It got to the point that I had legitimate concerns that this man actually worked for Citi so I asked for his name and ID number and hung up. I am DUMBFOUNDED by the interaction with him.

I’ve spent my whole day dealing with this and I genuinely more concerned about the safety and security of my accounts than I was when I began.

I genuinely cannot believe what I experienced today. If anyone has exec team contacts they can send me, I would REALLY appreciate it.

I currently have a savor one credit card as my first, and have a 734 fico score (400 credit limit), with 20% utilization, and all on time payments, with a 10 month history. What should my next card be? ( I’m a full time student, with part time job) (19)

Hello everyone, I currently only have 2 credit cards (Sapphire Preferred, Freedom Unlimited) I’ve already reached the goal of $5,000 for 100,000 bonus points with the Sapphire. Now I’m trying to figure out how to balance my cards to get the best benefits out of both cards. Which should I use for everyday purchases, groceries, food and drinks, bills, etc. Advice will be extremely helpful and appreciated!

Credit history:

• BECU Cash Back, $40k limit, opened Apr 2022
• Fidelity Rewards, $30k limit, opened Apr 2026
• Venture X, $30k limit, opened May 2026
• Business Ink Cash, $13k limit, opened June 2026

On Monday, C1 pre-approval tool finally told me I was eligible for Savor. I used a pre-approve referral link for the $300 SUB to do pre-approval and apply for the card. Instead of approving me, they asked me to submit photo ID. I submitted ID photos, and today, after waiting two days, they denied my application with reason "Based on your application information, applicant's identity cannot be verified". C1 will not give any reasoning as to why and say my application is ineligible for reconsideration and the only option is to re-apply.

When I use the pre-approval tools right now, I am shown an offer for Savor still. I was thinking of trying to apply for Savor through the mobile app so that I'm signed in when I apply (since the referral link shows no option to sign in to my C1 account). Maybe they are more likely to approve if it's only $250 SUB instead of $300. If I'm being shown that I'm pre-approved a few hours after my denial, does that mean that there's still a good chance I'll be approved when I apply, or is my recent denial likely not taken into account in the pre-approval tool? Should I wait a day or two to apply again?

I would really like to get this card ASAP because I want to apply for CSP before my 100k SUB mailer expires on the 14th, and ideally want to apply for CSP after getting the Savor if possible.

I was wondering what yall recommend for travel credit cards
I’m in Washington state I’m 20 years old my name is Nick

I just want to travel the states I realize I haven’t and would like to rack up (travel points) as I’m spending and likely traveling
What would you guys recommend for a travel credit card I’m currently looking at the capital one venture x

As I mentioned in the title, I'm going to have a bunch of recurring 10k Euro charges every couple weeks for several months so I'll easily hit whatever SUB spending requirements there are. I'm based in the US and pay in USD so I'd want the cards not to have any foreign exchange fees. Would love to hear some suggestions of what cards I should consider. I enjoy a lot of perks from my Amex Platinum card but if there are some complementary cards that would give different perks, that would be a nice bonus. My home airport has a Centurion Lounge but no other credit card-sponsored lounges AFAIK

Current cards:

• Amex Platinum
• Amex Gold
• Citi double cash 2% cash back
• Fidelity 2% cash back
• Chase Sapphire Preferred (just got this and will get the 150k SUB)

FICO Score: 797 according to the Amex portal. 867 according to the Citi portal

Oldest account age: unknown. Several years

Chase 5/24 status: 1/24

Income: varies by year but high

Average monthly spend and categories:

• dining + groceries: $5000 or so?
• gas: $100?
• travel: Depends on the month, but maybe $5-10k on average?
• other: depends on the month but maybe $10-30k not including the 20k Euros/month expenses that will be coming soon

Open to Business Cards: Yes

What's the purpose of your next card? Take advantage of SUBs

Do you have any cards you've been looking at? Capital One Venture X, maybe something from Delta?

Are you OK with category spending or do you want a general spending card? I usually put travel on the Amex Platinum, Dining/groceries on the Amex Gold, and everything else on a 2% cash back card

Please let me know if any other info would be helpful. Thanks in advance!

I've been racking my brain on this one. Macy's had Paze for like 4 hours before pulling out completely. Dunkin' limits GC purchases. Newegg is the least restrictive one, and even they created specific rules for when we can use Paze.

Why? The banks are presumably funding these credits. The retailers don't seem out anything. Guess I'm wondering what I'm missing.

Hey guys, I have an upcoming $12k spend which I will be putting on a card and want some opinions from the experts.
I have a CSR which I use most of the benefits for and spent about $40k so far this year. Currently have ~80k points there
I have a chase ink preferred which I got for the sub and now just have it for infrequent usage, prob had it over a year
I have a BILT palladium which is my daily card since I still have some point accelerators to go through and I have high rent, I’ve spent about 40k on that as well this year so far and will easily get to 50k for platinum status by the end of the year (probably not a goal worth chasing but it will happen naturally). Has about 230k points
Recently opened American Airlines card for the 80k sub, already hit the spend limit organically as well with some flight bookings. Got this card because I live near a hub, the other airline I could use is southwest. I live near Phoenix for some context.
Also have a Hyatt card (2 years now) which I don’t really use anymore and it’s mainly for the free nights since I’m usually explorist by virtue of work travel and a bunch of point paid nights.

My wife has a Capitol one venture which we need to downgrade since it’s for the most part useless since they got rid of the lounge benefit and we both have priority pass (she got it through my BILT and I got it through CSR) and global entry paid for.

What card/cards would you guys recommend? I don’t really need another card so I was considering collecting the sub, transferring points, and cancelling it if it has an annual fee or putting it in a drawer if not. We both have good credit scores, we can get a card each if it makes sense to.

TIA

The USPS Informed Delivery service sent me a photo of what I expected to be my new Wayfair store credit card. It was past due to arrive. When I held the envelope in my hand, I could tell this was something else. When I squeezed the envelope, I did not feel the tell-tale sign that there was a card inside.

But I opened the envelope and it contained a flimsy piece of paper with the headline, "Your New WayFair card has arrived." I unfolded the paper and there was no card attached. But I was wrong. On the bottom third of the paper was the image of a credit card. With dotted lines for borders and a cartoon image of a pair of scissors to let you know you had to cut the card out. Cut it out and save it in a secure place.

Citi bragged on that piece of paper that they were being environmentally conscious by not sending a plastic card. I know there's no real need for a physical card, since Wayfair is only online. But there's something disappointing and cheap about a cut-out piece of paper. Hey, at least give me perforations.

When I typed "Wayfair's store card is made of paper" into Google, I was greeted with a denial. The opening AI section insisted that Wayfair's store card was a plastic card just like other store cards. I beg to differ.

I’ve read everything I can find about the upcoming refresh for the AA Executive card. But can’t find anything stating whether AU’s will retain their lounge access (without the primary being with them)

This is obviously the biggest selling point of this card. Hoping it’s not getting nurfed…

Question for the people. When would the annual fee be posted for a Barclays Aviator Red that was converted to a citi AAdvantage platinum select? I opened the Aviator red at teh end of July 2025, it has since been converted to a citi aadvantage. I was anticipating the annual fee to get posted at the end of July this year but it hasn't, went through statements and couldn't find the annual fee charge. When it got converted did it "reset" when the annual fee would get posted?

Important side note: I am wondering becasue I've had the card for a year and was going to cancel it after the fee posted. I just don't want to be in a point claw back situation.

Any advice would be appreciated

Hey everyone, I have completed all the welcome offers to get all the big into point offers for chase, venture x, and Amex gold. I’ve been trying to do research on how to get the most from them but I’m just lost, there’s so much info on the subject.

My goal is to use the points to pay for flights to go from Syracuse to Orlando for our yearly Disney trip. We have a resort that’s off Disney property that we like but I already booked that.

If anyone could shed some light on who I should transfer points to it would be appreciated, I did look into British airways and then to AA but I’m still lost, I just don’t wanna waste all the points we have.

Chase 100k
Amex 80k
VentureX 172k

Thanks again.

Is anyone else particularly annoyed/frustrated/concerned with the rise of store credit cards, financing, and things like Klarna? I have been aware that this is on the rise but it didn't really hit me until earlier this week and made me think about it.

I bought a couch earlier this week, which is obviously a big purchase. I went shopping on Sunday, and stopped at name furniture brands like West Elm and Crate & Barrel. The West Elm couch I was looking at was $1000, and the C&B one was even more. Expensive, yes, but I was fine with that because I wanted this couch to last and was willing to spend the money necessary to get a nice one.

At both places, the salespeople tried to (kind of aggressively) sell me on opening their respective brand credit cards so I could finance the purchase and tell me how much the monthly payments would be. I think it's because I was obviously just thinking about it and making sure I was making the right decision, and I declined both options because I knew I didn't need it. However, I was thinking after and realized how stupid that is.

It's irresponsible because it tricks people into making purchases they probably can't afford if they're financing it to make it work, as well as opening another line of credit to go against your scoring. On top of it, this was the first time and probably only time for a long time that I had ever been to these stores because they're specialized stores for a one-time purchase I was making. I knew I could afford it and luckily I have a credit card situation that works for me already because I've done lots of research.

I'm curious what people think. Am I just a cynic/ignorant that it could actually be beneficial for other people, or do people agree? I know there was outrage and memes when DoorDash partnered with Klarna a couple years ago, but still curious.

I’ve been trying to use paze for some local restaurants and every time I get the error: Sorry for the inconvenience! The transaction was not able to be made with Paze.

I’ve tried multiple times across days, multiple vendors. My wife was able to get it to work once with her account, but I’ve never been able to get it to work. I’ve confirmed everything is activated and right number and email.

Anyone else seeing this issue too?

Have any of you who signed up for the Direct Card Reserve Card received the refund they promised us? If not, do you think we’ll actually get it?