Im a 21 year old with an Amex Cobalt and Wealthsimple VIP card - I have a total credit limit of 30K CAD, is this normal? I tend to keep utilization at 1% exactly, pay off fully on time (never missed a payment) , and always tend to be careful about credit hits. I also have student loans for adding a mix to the profile.

im sorry if its a dumb question, and ive tried researching beforehand but i just want to be absolutely sure before i recieve it. my birthday is coming up, and my friend from a different state had bought me a $100 vanilla visa gift card, and was planning on sending me the details on it for me to use. however, we are worried that since the physical gift card was bought in a different state than mine, im worried that when I try to use it here it could possibly be flagged or something and just not work. and just in case it helps, i plan to use it for online purchases, id just like to be absolutely sure before i accept as I dont want the card to go to waste. the gift card is also still fully unopened, if that helps, and we are both in the US

Hi all, I opened my 5th card in 5/24 on November 3, 2024. Please correct me if I'm wrong, but I believe this means I would drop to 4/24 on November 1? I have a large (~$40k) purchase I need to make next week, i.e. by October 30. Is there anything I can do to get around 5/24 in a situation like this?

I applied for a different Chase card ~2 months ago and was explicitly rejected due to the number of recent accounts I had opened.

I am new to all of this and i’m just trying to avoid hurting my credit!
I ended up using 350/500 on my line of credit and that’s higher than i want it to be. if i paid $100 extra before the due date would i be hurting my credit at all? and kinda the same question for credit cards too. i really wanna start chopping down what i’ve racked up but i don’t wanna start bombing my credit score because i was misinformed.

I always have a bunch of cashback offers from Chase, one time I had up to 117 to claim but just knowing having to click all of them and the time it takes to be able to add all of them. Do you guys just suck it up and tell yourself you will save money and not worry about the time it will take to claim them all?

My inquiry expired October 10th, but I want to see if it’s safe to wait till Nov 1.

Edit:
Cards preapproved using preapproval tool 9/14
Chase United Explorer Card
Southwest Rapid Reward Plus
For LLC

So I got off the waitlist for the Robinhood Gold card but I’m wondering if it’s worth the $50 annual fee for a Robinhood Gold membership to be approved. I don’t use Robinhood, but would be open to potentially using it in the future I just don’t know too much about it right now. My current card is a Discover Secured which gives me 2% cash back on restaurants and gas stations 1% everything else. Robinhood Gold is 3% cash back on all purchases. My main purchases are restaurants/fast food and Amazon/online purchases.

Weird question i hope the sub can help me with.

I live abroad currently and will have a large amount of expenses coming up (about $10k). I am hoping to churn a bonus or two, but i have run into issues in the past (specifically with capital one) where you cant actually activate cards abroad, and some banks (also capital one) dont even allow you to use your card before physically receiving it.

I have had no problems with chase, but im currently 5/24 and cant use them. I was hoping anyone with experience could give me some recommendations on banks i could use for this.

I would say I am pretty deep in the weeds with my credit cards point optimization. Certainly not as much as some, but it can get pretty complicated.

My P2 is willing to spend a little effort to follow along, but is not going to be checking card pointers or anything like that.

Does anyone have any tips for how to get a P2 to adhere to your strategy without jumping through too many hoops? It’s the in-person/apple pay type transactions that need the most help obviously.

I first noticed that it wasn’t listed in the app with the other travel credit cards, and now I can’t find it on the website either. I really hope this is just a glitch and they’re not giving it the Attune treatment. Oddly the $0 annual fee OneKey still remains listed.

The Citi Custom Cash card would have been perfect but I never got one, and now I can't. Anyway, I'm looking for around 5% cash back on gas only as this will be a dedicated refueling card for my truck and motorcycle. Plus, I have other cards for other things so I only need this one for gas and obviously emergencies. I travel a bit so I would like the card to not be specific to any brand of gas.

Are there any cards that even come close to the Custom Cash card's 5% cash back on $500 per billing cycle for gas? Thanks.

Capital One was my first credit card and all I can say is never ever sign up with them. My account was shut down after years due to one declined payment because I was a few dollars short in my checking ( most of my $ is in my savings). Instead of re-trying the payment they just shut my account down and there goes my $500 of rewards.
I was always recommended Capital One by other people not sure why.
Not to mention, the customer service sucks.
Has anyone else had negative problems with Capital One ?
Anyone else have any credit card recommendations with a reasonable annual fee?

My account status online says it’s active, but customer service on the phone says it’s closed. I tried using it to order something online and it’s not working, so I guess it is closed.

I did buy a few things from Target in the past year, but I didn’t use this card. I didn’t know they expire so quickly due to inactivity.

I’ve had this account since 2006, and I feel bad to lose this because of that date. Can I renew it, or do I have to get a whole new account? If I do need a new account, and I re-apply for it, is it going to say member since 2026 instead of 2006? Or is my name and data going to transfer over somehow?

I didn’t ask customer service about this because they didn’t sound very confident in what they were saying, so I didn’t want to get into this with them.

I know it’s silly to care about something like this, but I like it so :/

I have the Delta Gold card and I am ready to cancel it. I opened it on October 25th, 2025 so almost a year ago.
I want to open up the Blue Business Plus card afterwards. Am I able to cancel the Delta Gold on the 25th and keep the SUB and then apply for the BBP? Or should I wait until the 26th to cancel the Delta Gold and then apply for the BBP?
I already have 5 credit cards so canceling would allow me to get the BBP.
Thank you!

Well, the force-upgrade has finally happened and I really don't need a Smartly card.

I spoke to two reps asking if I could PC to a Cash+, but the only option they gave was the Shield (balance transfer) card. So I get that the system doesn't make any other card an option, but I'm curious if that's just for me or if it applies to everyone.

Has anyone had success changing a former US Bank Kroger card (now Smartly) into something else?

Hi,

I'm looking to open up a Chase Sapphire Reserve Business as a sole proprietor. I'm currently at 2/24 for personal cards (1 Amex, 1 Chase) but 3/24 if including business cards (1 Chase Ink Unlimited). I understand that since ~Sept 16 Chase has implemented a 3/24 rule for sole proprietors but does it include its own business cards as part of the 3/24 count? I remember looking at the churning megathread but couldn't find an exact datapoint that replicated my situation.

Just trying to see if there's a chance I could be approved or if I would be automatically denied without possible reconsideration.

Thank you!

*I apologize for the cross-posting as I am just trying to get as many opinions as possible

In the process of cancelling Green and was offered Amex Gold upgrade with 80,000 points sign up bonus ($8000 spend in 6 months). Would you take the deal?

Amex transfer partners aren't that great for me since I'm nearly 100% domestic travel. Delta has bad routes in my region. Hilton and Marriott point transfers just aren't worth it and are on par with cash value of points.

I have BCE to cover groceries at 3% back. I have Chase cards that handle dining with 3x UR points. The Dunkin' credits would be valuable if I wasn't sitting on tons of Dunkin' gift cards (thanks Paze!).

People seem to love the Gold card so perhaps I'm missing some perk of the card. I not sure it is a fit considering the $325 AF.

Just thought I'd ask to see what others think of the offer. Thanks in advance!

How much is Citi's 45k points covered to cash?

Migrated into the capital one app from discover, so I thought I would call trying to switch to the IT card.

First call got transferred 3 times. They said there was “no offer available for my account”, and that she would “put a note that I wanted one for the future”. Whether or not that was real/meant anything is up for debate.

Call back again (for fun, nobody told me to) and apparently I did have an offer available? New proud owner of 5% rotating categories!

I think you just have to get the right person? Who knows, I’m just glad I can finally get some use out of my oldest card.

In your opinion, what are some of the best credit cards that don't exist anymore?

I'll start. The Blispay credit card (around 2016-2018). It was a greater DC area based fintech built from ex-PayPal employees. Appeared like they stole the idea of PayPal Credit and turned it into a cash back card.

It was a card that took the best parts of PayPal Credit and Affirm and turned it into a credit card that gave you 2% cash back on everything. Those best parts were every purchase over $199 would give you 6 months no interest, like PayPal Credit, but you would also get 2% cash back on the purchase.

They ran out of money like the day before Black Friday in 2018 and never returned.

I applied for a chase unlimited CC (approved) when I put down my income I didnt notice to after checking my
portal that I had mistakingly added an extra "0" (still in the 5 figure though), should i be worried will anything happen?

Hi everyone! We're planning a large wedding at a Marriott property in New Jersey in summer 2027 and would love advice for future expenditures such as paying for a honeymoon/vacations. I'm trying to determine whether we should open one Marriott credit card, use our existing Chase Saphirre Preferred/Amex Gold cards, or strategically open multiple cards for signup bonuses.

• We'll have a room block of 50+ rooms for guests staying two nights, most guests will pay for their rooms individually and we'll cover 10 guest rooms on our own for immediate family.
• Our Marriott bill will primarily include venue/banquet charges totaling 60k. Other wedding vendors (outside catering, etc) will be paid separately Zelle/CSP/Amex.
• I have a basic Marriott Bonvoy account with about 44K points and six qualifying nights.
• Cards we're considering: Marriott Bonvoy Bold ($0 annual fee, 45k point bonus), Marriott Bonvoy Boundless ($95, 100k p bonus, silver status), Marriott Bonvoy Business Amex ($125, 100k p bonus, gold status) OR Potentially a non-Marriott travel card instead or less likely the $250 or $650 annual fee card.

Our biggest questions:

1. Marriott card value: If Marriott charges $$60K directly, is getting 6X on a Boundless or Marriott Business Amex generally a better value than earning Chase Ultimate Rewards or Amex Membership Rewards on the same amount?
2. Multiple cards?: Would you open one Marriott card for the entire hotel bill, or divide the payments across multiple cards to collect several signup bonuses?
3. Which Marriott card?: With the current Boundless offer of three free-night certificates (up to 50K per night) versus the Business Amex offer of 100K points plus a free night (if eligible), which would you favor? Are there other cards we should consider?
4. Whose Bonvoy account should be on the contract? I already have a basic account with 44K points. Would it make more sense for my fiancée to open a new account and get a Boundless card under her name to get silver elite status or do it on my account?
5. Room block rewards: If 100+ room nights are booked through our wedding block and guests pay individually, do any of those room charges generate additional event points or Elite Night Credits for us? I read something about a 10 room max?
6. Contract negotiations: Is there anything specifically related to Marriott Bonvoy points, bonus points, or credit-card processing that we should request in writing before signing?

For reference here are the current promos: https://www.marriott.com/credit-cards.mi?trafficSource=paidSearch&updateBoundless=6TPX&updateBold=6TPX&updatebrilliant=153&updatebusiness=67&updatebevy=155&updateCompBoundless=6TPX&updateCompBold=6TPX&updateCompBrilliant=2097&updateCompBusiness=2048&updateCompBevy=2111&nst=paid&cid=PAI_GLB00037IS_GLE0007W6T_GLF000EEQW&gclsrc=aw.ds&gad_source=1&gad_campaignid=23698990732&gbraid=0AAAAAoWN_hYjFLN22yYQA6Ph6ZxBSMBqs&gclid=Cj0KCQjwrvHWBhDKARIsABmp7h33rEYsq9wXUE2Ibfi8MOcu0Hr8pA1Z9I4Oa7qwAxyFjdu9fib3Ow8aAubtEALw_wcB

Thank you!

I’m planning to simplify my wallet to 3 cards (or 4 if Robinhood is included) for long-term use.

Current cards: Chase Freedom Student, Capital One Platinum & SavorOne, Apple Card, Robinhood Gold, Credit One X5, Indigo, and Zolve.

Monthly spending:
Gas: $600 and Groceries: $300 (mostly Costco for now)
Streaming: $70 - $75 per month
Dining, movies, fun activities and occasional travel

I’m considering retaining Robinhood Gold, Chase and getting Citi Costco Visa, and Amex, but I’m open to better combinations.

My priorities are good cashback, higher credit limits, minimal annual fees, and long-term value without overlapping benefits.

What 3–4 cards would you recommend for my spending?

The card is promoted as a "cashback reward" program, and that was a major reason for our obtaining one. However, once we received the cards and read the fine-print, we realized that it's actually a "credit reward" program -- that is, we do *not* get any cash back; we only get credit on future bills, or gift cards. And when our charges are lowered by earned credits, we lose any future "cash-back" for that amount. Bait and switch, and false advertisement, says something about their credibility.

Hello, I just received a new US Bank Shield card.

I applied to use the balance transfer offer.

I have about 17% credit utilization, 781 FICO score pulled by US Bank, $175k income.

When I went to make the balance transfer, the limit was $500. I didn't even know CC limits could be so low. Even though the pre approval was for $13k.

What am I missing here? I just took a hard inquiry hit to my credit and its for nothing because US Bank is basically refusing to give me credit?!

I called and asked WTH was going on and the rep said its underwriting dept.'s choice and I can't speak to them.

Can someone please provide insight.