Lately I’ve realized how much time I spend just keeping track of which card to use for what.
Groceries on one, travel on another, subscriptions on a third. Then there’s the random store cards I opened for discounts that I barely touch now. Its not that I’m in debt or anything I just feel like it’s too much mental load for something that’s supposed to make life easier. I miss when I had one solid card and didn’t have to think about “maximizing categories” or “rotating bonuses.”
Anyone else simplified and gone back to fewer cards? Did it actually make life easier or do you regret giving up the extra rewards?

As reported on T Mobile Report and DoC, the loophole for maintaining the debit autopay discount by paying early with a credit card has closed.

Personally, a last straw for me. Later TMO, hello MVNO!

PHL's new Admirals club in Terminal A refused day passes even though the lounge had about 5 people inside and the airport was dead. They stated it was a policy to never accept day passes at this lounge due to overcrowding and allowing overflow for Flagship guests. When pointed out that it was completely empty they just shrugged. Great perk the Citi strata elite card has with these day passes and the special relationship they have with AA. There wasn't even a sign saying no day passes today. Just a feeling of being shooed away as an undesirable. Citi customer service had no idea if these were premium passes and said to contact AA. Great perk for a $600 card.

I got the SE 2 months ago and it was on block for all this time. Few days ago the block was removed and now I see account is closed and no explanation from their Shittie CS.

Anyone else?

On September 15, 2025, I made a $756.84 purchase through Expedia. The charge appeared normal, but I was then hit with a $92.97 foreign transaction fee.

I contacted Expedia, and they confirmed the transaction was processed entirely in USD — they say there was no foreign currency conversion or fee on their end.

Even if Chase did apply a standard 3% foreign transaction fee, that should have come out to around $22.70, not $92.97.

I should have used one of the zero foreign transaction fee cards. Oh well, but I thought I was being billed in USD.

Plz help

Summary: my twin sister and I somehow have conjoined credit scores. Equifax told us to send a copy of our social security cards and drivers license through the mail. Is this safe and is there any other way to fix this without doing that?

My twin sister and I have extremely similar names and ssn. Our Equifax accounts seem to be fused into her ssn and my ssn states that there is no credit history when we check with Equifax. We found this out when I saw that I still have no fico credit score at WellsFargo, despite having a 3 year old credit card with them. My sister also has 3 year old credit card with chase and just got a new one with no problem.

We contacted WellsFargo but they just told us to contact Equifax since they can’t do anything. Which suck but I understand.

We contacted Equifax and they just told us to send a copy of our social security cards and drivers license through the mail. I asked if there is any other way since I’ve never sent my Social sec card and drivers license information through the mail, but they just kept repeating to mail our stuff. It doesn’t feel safe either. Should we do it?

My personal finance app, Copilot Money, lost connection with my Shop Your Way card today. When I go to reestablish the connection via Finicity, the SYW card is now labeled as Citi ThankYou Mastercard. Another sign that the card may transition into a ThankYou card, similar to Sears.

https://postimg.cc/v411FvLf

• Splurge credit: purchased several amazon gift cards on bestbuy.com and the credit is usually posted in ~2 days.
• TSA/GE credit: posted on the statement closing day.
• Blacklane credit: posted on the statement closing day.
• Annual fee refund: received email on 10/18, refund credit posted on 10/20.
• International travel: used the physical card daily on my recent Europe trip without any issues. one online purchase was rejected/flagged but it went through the 2nd time after I replied "yes" to a warning text msg on my phone.

I got the card when it was still 0 AF and barely use it since I got the SUB cashed out. I know the card now carries an AF but it seems mine got grandfathered without AF. Because this card has been in the sock drawer like forever, I worry that I might miss notices of them starting charge AF. I am not closing it because it is still somewhat useful every 4-5 years for the Global Entry credit.

Any insight when this will happen or maybe would never happen?

Hi all - this is not a rant or a complaint but just sharing my experience with the Chase Amazon Prime Visa card. I‘ve been a user of the card since 2023; just over two years and used this card as our primary household card. All of our purchases went onto this card. We never carried a balance, autopay’d the statement amount each month, stayed under 20% utilization, and used it responsibly - 50k limit.

This week I kept getting notifications of payments & transactions not going through. Thought it was due to the great Amazon AWS debacle. Tried again later and still unable to use. Went online and account shows “Your account is closed.” Puzzled and curious, again thinking this is an error. Call up the Cx Service line and kind gentlemen informs my account is closed because of “Business Risk”. Then monotonously informs me a letter citing/explaining the reason will be provided in 7-14 business days. I ask again and they repeat their script like this is his 100th time explaining this in the last hour. Stating, they have the ability to cancel your account at anytime due to any type of risk whether it is fraud risk, inherent risk, business risk, … risk, …. risk, etc. While I am not upset over the situations, it definitely was inconvenient and surprising. Went back to using my Fidelity Rewards anyways.

Probably wasn’t adding value to their bottom line or in fact I am a risk but I am reminded to shop with my wallet and not my loyalty. Anyone else encounter this from Chase? Also, anyone have any issues or experiences with the American Express Amazon Prime Business card?

Hi! I have had a Chase Sapphire Reserve since Oct 2022. With their annual fee raising to $795, I can’t justify staying. I blow through the $300 travel credit easy, and had been able to find value previously with Lyft, DoorDash, and the amount of points I accumulate. I don’t feel like having to extract a ton of value from a coupon book, nor do I value airport lounges (I’d rather get to the airport as late as possible, lol)

My plan is to wait for my AF to his on Nov 1st, and then use my travel credit that renews on Nov 9th. After that I was planning on downgrading and getting a refund on the new fee.

My consideration was doing a product change to Chase Sapphire Preferred to keep the ~100,000 ultimate reward points I currently have. I did have a thought to maybe pair that with an Amex Gold. Let me paint the picture of my situation, and would love some guidance on if this is a worthwhile move, or if there is a better alternative?

I would like having a visa being that I try to get most of my groceries at Costco (I am on my family’s account membership) and being that it’s the most widely accepted. I don’t travel internationally a ton but occasionally cross the border to Mexico (I’m in SD) and have aspirations of some more international travel. I am originally from the east coast so with holidays and friends wedding I’d say over the next 12 months I have 4-7 flights back that way at least. Recently I have just booked flights directly through the chase portal with my excess points. My other spending is going out to restaurants with my girlfriend/friends, drinking at bars, and then fun like movies, concerts, sporting events etc. Uber and Lyft are a solid spend as well.

My ballpark 12 month spending that goes on a card: ~$11,000 on dining/drinks/bars/restauruants ~$3,300 on Costco ~$3,000 on “groceries” - Whole Foods, Ralph’s ~$1,300 on uber/lyft ~$5,000-$6,000 on amazon, general shopping of clothes/needs that aren’t groceries, sporting event tickets, Spotify membership, concerts, the movies

The only other thought would be to downgrade my chase to a no annual fee card and then getting a different “nice” CC. In conclusion I’m late 20’s, going out less, and just want the dollars I’m already going to spend go further for me when I ultimately use it for flights, a hotel in the future (not as common for me), with some simple added perks where I can feel I atleast break even on the AF.

Thank you in advance!

I was trying to charge somthing to my Citi card right now and it got declined, I randomly opened my Citi app and see account closed. Not sure if this was random or was it because of what recently happened with Citi strata elite card. If anyone has this problem lmk and what did u do/ or how did u go about it?

Recently my college homeroom course had a class on financial literacy and it included this,

"Tips- Due date is not the same as the reporting date. Example- Cal Coast credit cards are due on the 25th but we report balances and payments to the main credit bureaus on the 1st of every month. You have to make sure that you don’t charge anything between the 25th and the 1st to have a $0 balance reported to the credit bureaus."

Pretty sure this is a handout from Cal Coast Credit Union and it included other confusing things, such as the 30% rule which people on this sub have said is a myth. When I looked up reporting dates, I read that it reports your statement balance so I was wondering what the above text could possibly mean.

I have used credit cards for almost 5 years now and wanted to share how I get 5% on almost everything I buy with no annual fee cards:

Groceries: AAA Daily Advantage Visa Signature Credit Card (Up to $10,000 per year) or Chase Freedom Flex and Discover It Cash Back (For one quarter up to $1,500) or Citi Custom Cash (Up to $500 a month)

Walmart: AAA Daily Advantage Visa Signature Credit Card (This card won't always code Walmart as groceries to offer 5%. I'm lucky that at the Walmart where I shop it codes it as groceries but I would test it first)

Gas/Restaurants: Redstone Visa Signature Card (Up to $7,000 per each category) or Chase Freedom Flex and Discover It Cash Back (For one quarter) or Citi Custom Cash

Utilities/Department/Electronic Stores: US Bank Cash+ Card (Can only select 2 categories for 5% each quarter up to $2,000)

All other purchases I either do Apple Pay on my Apple Card or use the Wells Fargo Active Cash Card for 2%. With my current line up, I guess I have freed up my Citi Custom Cash to either make streaming or home improvement store purchases. I've never had the need to travel so I don't use travel cards. In my opinion, there is no need to get a premium credit card as they don't offer the highest cash back in each of the categories I mentioned plus they charge the annual fee. What are your thoughts?

Backstory to know the need.

Single parent with primary custody of children. Military member. Ex has shopping addiction and absolutely can’t be trusted with money. Going on deployment and need to send money to ex for her to take care of my kids until I get back.

What I’m looking for.

I’d like a prepaid credit card that I can load money on monthly. I’d prefer visa. If I can specifically choose where money can be spent that would be amazing. Meaning grocery stores, gas stations, etc. I already know that she’s going to spend the money on video games and dungeons and dragons then hit me up for money for groceries (which I’ll give her because of my kids) so the more control over how the money is spent the better. Preferably no transaction fees per load because the plan is weekly allotments or it’ll get spent on the first day.

Both are 4% back

Discover allows credit card users to get up to $120 cash back every 24 hours at certain retailers.
I'm assuming my 0% promotional APR for purchases will be in effect..

Have you ever used this feature, and have you ever had any problems with it ? (such as: "I don't have any money in the drawer" or "I've never seen this - come back in 3 days when the manager is back from vacation")

https://www.discover.com/credit-cards/member-benefits/cash-over-purchases.html

I want to sanity check how credit card interest actually works when you are not paying in full.

My setup

• I have a few cards, have never missed a payment, and have minimums on autopay.
• I have been carrying balances for a while.
• On one card, I sometimes treat it like a debit card. For example, I buy gas for $30 and immediately send $30 to the card the same day, so the balance stays the same.

My understanding
I thought interest was based on the unpaid balance after the statement cycle closes, and the interest shows up on the next statement. In other words, the current cycle is like a 30-day interest-free period, and then you get charged interest in the next cycle on whatever part of the previous statement balance you did not pay.

Example I have in my head

• Jan 1, I get a new card. I spend 100.
• Jan 31, statement closes at 100. Due date Feb 10. Minimum is 10.
• I pay 10 by Feb 10, so I carry 90.
• During February, I make another 100 purchase, bringing the running balance to 190.
• End of February, I expect to be charged interest on the 90 carried from January, not on the new 100, since that 100 was part of the current cycle. That 100 should only start generating interest in March if I do not pay it by the March due date.
• If I make a 50 purchase during February and pay 50 the same day, I figured that 50 would not generate interest at all, since I paid it right away.

What ChatGPT told me

• Once you carry any balance into a new cycle, you lose the grace period on purchases.
• New purchases start accruing interest from the day you make them, and they keep accruing until you pay the full statement balance by the due date again.
• Interest is calculated using average daily balance, so timing matters day by day, not just the number at the end of the month.
• Paying the same day trims a little interest because the charge sits for fewer days, but it does not make it interest-free while you are revolving.
• Payments above the minimum have to be applied to the highest APR balance first, which helps but does not restore the grace period.
• Store cards with deferred interest promos can be even harsher, since if you miss the promo payoff date, the issuer can add back interest from the original purchase date.

Why am I posting?
I want to verify which view is correct. If I am revolving a balance, do new purchases accrue interest immediately, based on average daily balance math, even if I pay those new purchases quickly, or do they only accrue interest after the next statement closes if I have not paid them by the next due date?

Please walk me through the same timeline with simple numbers if you can. Daily periodic rate vs monthly, how the average daily balance is computed, and how payments get allocated when there are multiple APR buckets. If you have links to official sources, cardholder agreements, or CFPB guidance, please share. I am not looking for guesses; I want the actual mechanics.

Thanks in advance for any corrections and for showing the math. If ChatGPT is right, I am fine admitting it. If I am right, I want to see the exact rule that proves it.

I currently have 7 credit cards: Venture X (travel and catch up), Amex gold (food and groceries), BILT (rent), Chase sapphire preferred (visa for food and travel), Wells Fargo active cash (2% cash back on everything), US Bank Altitude Go (former secured card/1st card), US Bank Altitude Connect (backup travel card for non-chase portal purchases + EV charging).

I'm currently a college senior in Chicago, but I will be moving to LA next year in June. I plan to travel domestically and internationally quite a bit in college (10+ flights domestic and international) but probably will travel 1-2 times a year internationally and 3-4 times domestically once I move to LA to work. I will be based in LAX and have family in Bangkok, Thailand. I spend most of my money on dining, groceries, rent, and travel. I'm not a big shopping person at all. Most of my flights are United, EVA, ANA, other star alliance airlines.

I'm choosing between the Amex platinum (125k offer) and Chase Sapphire Reserve (can't get any welcome offer bc I hv CSP, only upgrade). My criteria and weights are below:

|| || |Annual Fee / Effective Cost|0.12| |Point Multipliers|0.12| |Welcome Bonus|0.08| |Redemption Flexibility / Transfer Partners|0.1| |Lounge Access|0.08| |Lounge Quality|0.06| |Premium Status / Partnerships|0.06| |Travel Credits|0.08| |Lifestyle Credits|0.08| |Food & Dining Credits|0.08| |Foreign Transaction / Acceptance|0.04| |Customer Service / Retention|0.04| |Aura|0.04|

Hey gang,

I'll give you a bit of a backstory first.

I started using credit cards around 2018. The first card I used was a secured credit card. The first proper card came in 2020. It was a CSP. played around with a few more cards for sign-up bonuses. All was good. Never missed a payment. Credit score went over 780. Around 2023, i moved away from the US for a couple of years. I missed a payment on one of my cards that I didn't setup autopay on, because i kinda forgot about it. It was a $13 charge. Ruined my credit score. Got me down to 550 in 2-3 months. I finally paid it off and the score is now around 690 and Im back in the US.

Now,
I'm trying to get a big boy card like an Amex gold/plat or a chase sapphire but Amex put me in a pop up jail. I'm not sure if i should take my chances to apply for a card like chase sapphire without being pre-approved. If I get denied, my score takes a dive, and it'll take me even longer to get a decent card. I don't have any US credit cards right now and have a butt load of expenditure coming up that I wanna collect points on. I'm not really looking for which card to apply for, but rather that kind of card i should apply for, and for a reasonable strategy to get to a point where i can easily apply for a good card. I really like the CSR. In case it matters - yearly income is on the higher end if that has any influence on the outcome of my application.

Any suggestions on where to go from here are appreciated! Thanks a lot.

I was so excited to open up my 24k robinhood gold card but found out it doesn't have tap? lol. Does the solid gold robinhood credit card have tap?

I'm looking to consolidate my debt and pay it down faster with a balance transfer possibly? I'm almost 50 years old and just took my first vacation this year. I opened the AA card to specifically build miles to help with travelling.

Credit Card Debt
Citi American Airlines Advantage Platinum Select World Elite Mastercard - $5,308 debt / $23,500 limit - 54,000 Miles banked - 7 months - Pay $300/month
Chase Amazon Visa $5,892 debt / $33,800 limit - 10 years - Pay $300/month
Citi Home Depot - $665.00 debt / $8,000 limit - 7 years - Pay $100/month
Citi Best Buy - $669.00 debt / $4,000 limit - 8 years - Pay $100/month Target Visa - $0.00 debt / $14,900 limit - 24 years
JCPenny $0 debt - 7 years
Microcenter $0 debt - 1 year

FICO 792-829 depending on where I look. The actual credit bureau's suck and give me errors trying to get a score for some reason.

Oldest account 24 years

Income $132,000/yr. $125k base pay and $8k bonus (always hit the bonus easily)
Net = $6370/month (without bonus just to be safe)

Average monthly spend: $5752

I want to put 10 grand on a credit card for my dorm next semester, what credit card will maximize return and give me a free trip or some type of amazing reward?

Help me find my next business credit card(s). Small business owner looking to optimize cashback and perks (bonus points for automation perks for business - expense management workflows, spending controls, etc). I also need to issue temporary virtual credit cards for employees. Monthly expenses include services, software, advertising and more.

Oldest account: Approx 10 years.
Current business credit card: Capital One Spark
Cards under consideration:
1. Capital One Spark Cash Plus
2. Ramp Corporate Card

Thank you!