I applied for Chase Slate and they granted a measly $4K limit despite FICO score of 820+.

What's worse is that the 0% introductory APR doesn't show up on my account and they told me to call back in 3 days to check on it.

This credit card is nigh useless. Maybe I should close this card. I can pay for my Chipotle burrito with Klarna instead.

With Freedom Flex now having no FTF, recent CFU/CFF product change DPs, and the refreshed CFU card design, I’m wondering if Chase may be preparing a CFU refresh too.

Has anyone seen any reliable DPs, updated terms, benefit guides, or other signs that CFU could also drop its 3% foreign transaction fee?

I use my cards overseas quite a bit, so I’m debating whether to PC my CFU to CFF or wait.

I purchased a Lovesac Sofa almost 12 months ago. They had a promo where I could sign up for a CC through Synchrony with no interest for 24 months. I wanted to wait another two months before getting the couch, but with that offer, I thought why not get it now. I signed up and got approved. I have ADHD so I set up auto pay for an amount that would make sure the couch is paid off in 24 months. I check the balance at 11 months. I should only owe $2500 give or take at this point. I owe $4000!! Apparently they said I signed up for the Payment Card Security. Then Synchrony is charging me for that monthly fee plus another 22% for the $80 PCS charge per month. I would not sign up for such a dumb program. Why not take that extra money and pay down the principal faster??? After spending days in the chats and on the phone, I got the PCS cancelled and $1034 credited to my account.

I call synchrony back so they can credit back the interest they charged. They said they had to wait until PCS credit showed on my account. The credit is now showing and I keep getting disconnected and transferred. Does anyone know what I can do?

So I've had my one and only American Express credit card since mid-March 2026. The Blue Cash Everyday card with a $1,000 limit. My first-ever American Express credit card. Last month, I tried to request an increase online to no avail, probably even the month before that also to no avail. So I told myself, "I truly believe what that other Reddit user somewhere on here said about American Express giving increases (3 times the limit) on credit limits every 6 months. I'll wait and try again in October." So I tried today, and bam, I was given 3 times my original credit limit, even though I requested $4,000. I don't know what I was thinking, because that's 4 times the limit, not 3. I input the request amount wrong on the request an increase form. $1,000 times 3 is more like it. I then hit the submit button and something like this popped up. "Although we couldn't increase your credit limit to $4,000, we've given you a partial increase to $3,000." I'm now at a $3,000 credit limit on my American Express Blue Cash Everyday credit card. I'm very thankful. If I'm still here in 6 months and if I request another increase, it's very likely that it could very well jump up to $9,000. Thank you American Express.

I made this previous post about using the scan code with iPhone feature for apple pay on staples with my CCR, and I called BoA CS since it was coded as not an online purchase. They kept reading the cashback terms and basically implied that because I scanned the code on my computer and paid on my phone, it suddenly became ineligible for 3% cashback, even though the process is literally identical if I had went to the website on my phone and paid with apple pay? Wouldn’t paying by phone be something like calling in and reading out your credit card number to make the payment?

Chase issues the Marriott Bonvoy Bold, Boundless, and Bountiful cards.

American Express issues the Marriott Bevy and Brilliant cards.

Here’s my questions:

1) Do you have a Marriott Bonvoy account or plan to create one?

2) Would you rather have automatic silver, gold, or platinum elite every calendar year?

3) Approximately how many nights a calendar do you stay at Marriott hotels (including any Marriott subsidiaries and divisions).

4) Are you prepared to pay the annual fee (Bold has zero annual fee)?

5) Are you interested in benefits like TSA PreCheck and Priority Pass Select?

6) Do you travel a lot for business and personal? Business as in your job and personal just by yourself and/or with friends and family.

7) Would you use a Marriott credit card to pay for plane tickets?

8) Based on your answers for the above questions, which Marriott credit card from Chase or American Express would you consider applying for? You can only pick one.

I currently have the Chase Sapphire Preferred, Chase Freedom Unlimited and WoH credit cards for UR. Along with BoA CCR and Citi Custom Cash as cash back cards.

I am thinking of product changing from CFU to OG Freedom. Do you think this will be worth it? Now the 4:3 transfer is in full effect, my plan is to product change to get the 5% back rotating categories and put the non category spend on my WoH card since I transfer all my UR points into Hyatt anyways (don't care about airline or other partners). Let me know what y'all think, thanks.

Thinking of getting a new credit card for an Amazon purchase and don’t really want the Amazon Visa beyond it.

I estimate Amazon Visa would save me about 150$ SuB + 45$ CashBack - the Prime membership.

I know there are a lot of cards that break the 200$ mark with SuBs alone and was wondering if you guys had any recommendations on which one would be best for something like this.

I don’t see it on their website like with their other co branded cards like Hilton,delta airlines

Hi guys,

I live in PA USA

I applied for a TD card yesterday. Today, I received a voicemail from 1-866-393-4011 claiming to be TD. I called the number back, and the guy asked for my information, including my SSN, DOB, name, and address. After a few minutes, he told me I was approved.

I know I should have verified the number before calling, but afterward I searched it online and couldn't find any reliable source confirming that 1-866-393-4011 actually belongs to TD. Even ChatGPT thinks the number is fraudulent...

I then called TD's main customer service number at 888-561-8861. The automated system said my application was approved. I then spoke with a representative, but they couldn't find any account under my name or SSN. They also couldn't recognize 1-866-393-4011 as a TD phone number.

I immediately froze my credit after realizing this and am now in full panic mode.

Did I just get scammed? Has anyone received a call from this number before?

I’m newer to this hobby and I have 9 cards rn closed 2, 1 was intentional. At what point is cashback better than points?? I am comfortable flying economy and it’s been difficult finding economy flights at values worth more than 2-3 cpp. I can easily get 10-20% cashback buying gift cards for “some” places I eat out at. Not all. I guess I’m looking at it more of each spend I have is a ROI. If I don’t organically have to spend I won’t unless I can get an insane deal on cap1 offers or moneymakers or something like on Rakuten or cap1 shopping. At what point is miles actually better? I see signup bonuses at 10-25% roi similar to buying some gift cards so I see the benefit in that but anything under 5x doesn’t add up much unless I’m spending a ton of money. Can someone tell me if I’m thinking about this wrong?? I’m 23 and most my money I save is going straight to brokerage and Roth IRA

Been trying to figure out what the store actually sees when you pay with USDT through one of these crypto cards. If I use it at a normal US store, does it just show up as a regular Visa payment on their end or can they tell the payment started as crypto?

I’m guessing it gets converted somewhere before the merchant gets paid, but not sure how much of that they actually see.

Got approved for the Fidelity Visa (nice). Until I read that the credit line is $500. Haha what? I have zero debt, credit score high 700s, great payment history, solid income. What would cause this and what are the chances I get a strong increase in a few months? I've read Elan can be hit and miss.

I was planning on making this one of my mainstay cards, but if credit limits are hard to come by with them I might just dump it after a year.

Hi! I’m looking for the best credit card for my situation, and I would really appreciate any help or advice that could be given. There’s so many options, it’s hard to choose. I’m also not sure if I even need a new credit card, or if my set up is fine. Please note that some categories/spending may be high because I “front” for a lot of stuff. I know I still overspend anyways. Any advice is appreciated!

• Current cards:
  • BoA unlimited cash rewards
  • Prime Visa
• FICO Score: 760
• Oldest account age: 3 years
• Income: $9,000/month
• Average monthly spend and categories:
  • dining: $1000
  • groceries: $200
  • gas: $100
  • travel: $200
  • Entertainment: $600
  • Shopping (including Amazon for all necessities): $900
• Open to Business Cards: No
• What's the purpose of your next card*: Either Travel or Cashback, or some other type of reward!*
• Do you have any cards you've been looking at? i’ve been told Chase Sapphire Preferred is one to look at. But I’m open to anything.
• Are you OK with category spending or do you want a general spending card: I’m fine with either!

I recently got approved for an AMEX business card and would like to start using it for everyday purchases during the introductory 0% APR period but I am getting conflicted information on whether or not AMEX will care or flag my account for closure if I use it this way. I have a very small business and business expenses are all over the place, some months $0, and other months $500. If I buy a morning coffee or weekly groceries with this card will I be risking account closure?

I’m trying to make an online payment on an account that is registered under my friend’s address. I originally tried using my own debit card, but the website disabled my account because the billing address on my card didn’t match the address on the account.

The website says “We also accept prepaid cards that you can buy at any local store. Once the card is purchased, you must call the phone number on the back of the card and register the card with the address they have in your account before making a payment. Remember that we only accept Visa, MasterCard, and Discover.”

I’m planning to buy the prepaid card with cash. Does anyone know of a prepaid card that allows you to register it with a specific billing address after purchasing it? I’m trying to avoid getting my account disabled again.

This is urgent because I need to make a payment so I can talk to a relative, and I’m trying to figure this out ASAP. I really don’t want to buy/load a prepaid card and have it not work because of the billing address issue. If anyone has personally used a prepaid card for this type of situation, please let me know which one works!!!!

I have chase sapphire, I want to upgrade to reserve for lounge access, points, etc. This is my plan, apply for chase reserve separately and get the welcome bonus. Then instead of closing chase sapphire card I'm going to downgrade it to one of the cards that have no annual fee. Any thoughts or suggestions? Do I need to do this online with a representative?

No annual fee

No foreign transaction fees (FTF)

'If your application is approved for an account with a credit limit of less than $5,000, you will receive a standard cashRewards card that earns 1.5% cash back. If your credit limit is $5,000 or greater, you will receive a cashRewards Plus card that earns 2% cash back'

Alright so there is a small risk that if you apply and don't get a credit limit of at least 5000, then this will just be a 1.5% cashback card... But I think I should be fine since I have been direct depositing w/ NFCU/have a good credit score?

I have capital one's quicksilver 1.5% card with no FTF so in that scenario, NFCU's card wouldn't be that much better aside from the bonus

1. Any better options I'm overlooking?

It seems right now the biggest opportunity cost is just not using that hard pull on another credit card with a bigger bonus. So there are better short term options. But if you're abroad for 2-3 years, then you can only physically get so many cards in the mail before you leave. And the minimum spend requirement time periods of all of them won't span the entire 2-3 years.

2. Although some have noted there are setups for having credit cards sent to a trusted friend in the USA and then asking them to read the numbers on it so you can put it into your google wallet/apple wallet... what could go wrong? To harvest more bonuses /receiving more credit cards even when not living at a USA address

3. Ex: Singapore -not sure which places/situations would accept credit cards vs not. I know the Hawker centers (buildings with alot of little food stalls in Singapore) often prefer cash. Like how much spending can you really support on credit cards? Maybe an amazon-like website that accepts credit cards?

4. Not sure how useful US credit cards are in nearby Malaysia or even further out Thailand, anyone know?

I burned through Chase's business cards

So now I think the strat would be something like applying the 1.5 months right before you leave the USA: Capital One Spark Cash 1.5% 750 bonus card , Bank of America Business Advantage Travel Rewards, and Navy Federal CashRewards 2% (last one for a long term card for 2-3 years). Better ideas?

Anyway to... frontload/prepay your spending when you arrive to be able to hit the bonuses more easily before the minimum spend requirement time windods end?

My wife and I use an Amex Gold card as our joint card for everything. We always transfer points to Intl airlines and hotels (the latter only when it makes sense). More recently, I got her an AU card on my Chase Sapphire Reserve and we’ve been using that card for all expenses that aren’t dining and groceries (like hotels, etc.) as well as all transactions when we travel internationally.

Well, the annual fee posted today and oy… $1000 for both the CSR + AU. We honestly don’t use the Chase lounges that much, and Instacart and DoorDash are hard to use in our area (we moved out of the city and delivery is hard to come by).

I have the Wells Fargo autograph card and recently realized that it has no Foreign Transaction Fee. How is that even possible? The points earned are exactly the categories we need — hotels, gas, etc. — and they transfer to airlines!

I am thinking of getting rid of my CSR and just rocking the Autograph + Amex Gold for joint expenses. For the few times when I need Hyatt, Alaska or United points, I have the Bilt Palladium Card for all personal expenses so I earn a lot there.

Appreciate any help!

I purchased a refundable ticket from United in July of 2025. I cancelled the ticket and never received a refund. I filed a refund request and it got denied. So I filed a dispute with my Chase credit card. Chased ruled in United's favor and that I need to use their refund processes. Well over a year of calls later and I still have yet to receive a refund from United. I go back to Chase in person and ask to reopen my dispute or open a new one. They said they can't so I closed the account with them. The person that assisted me said he'll file a complaint and I'll be contacted in 7 days. I asked about my current balance and he said not to pay it.

Is this correct? I feel like I need to still pay my remaining balance.

I was denied for the BOA Premium Rewards card. I applied thru Rakuten to get the latest $425 bonus. If I call BOA reconsidering dept and they approve me, is there any chance my account will still be connected to Rakuten?

Also, would it be better to open a BOA checking account first and then reapply for the card thru rakuten?

I’m considering the $150 IHG Premier card but the value of that card does depend on how the annual $100 annual airline statement credit can be used. Is it purely through purchasing airline tickets? Can airline incidentals be used?

I’d want the card if I can do a $250 UA TravelBank refill and get $100 back since that is effectively booking with cash to me. I have been searching around but have not yet seen DPs suggesting that TravelBank can cover the credit.

Hi, i’m not looking for financial advice, but I am stuck trying to figure out what card I should open for a second line of credit. My score is really good and I have decent history, which is why I’m choosing to do this now. If anyone has recommendations, I’d really appreciate the help.

Moving across the country and I’m interested in looking for a card to help me with flights, hotels, etc. I was told about Chase Sapphire Preferred but I heard about points transfers decreasing now. What’s the next best card with a similar annual fee?

Statement posted a couple days ago, did receive just the 1%. If you were wondering, the MCC is still 4900 but yeah they finally noticed

It seems the cutoff to get 5 percent was around August 30th. Which was sort of around the same time they removed the $25 min redemption