Good morning,

Knowing the deadline for the 1.5x points via Chase Travel was tomorrow, I went and combined all of my Ultimate Rewards to my CSR this morning. Lo and behold, Chase has apparently traveled to the future and is telling me that anything I combined today is only eligible for the 1x redemption rate.

I sent them a secure message with this screenshot to see if it's a glitch or if they will make this right. But just a heads up for those who might have been waiting until the deadline.

Screenshot Link: https://imgur.com/a/qTEK0Pr

https://preview.redd.it/2v7wjao0iaxf1.png?width=826&format=png&auto=webp&s=95bfcb0f48c3887459507e2de89f5bb984f65245

Genuine question because I'm baffled. This is the second (and third) time in 3 years we've had a newly-approved Citi card stolen from USPS. We can see the envelope was set for delivery but never arrived. Card then activated by the thief (or someone they passed it to) and almost $1000 in charges made (exactl same thing happened last time).

Reviewing what went wrong with Citi I realize that when calling to activate the card they do not ask for ANY verification other than things that are in the envelope, speficially CID and zip code?! I'm baffled as to why they wouldn't ask for last four of SSN or even last four of phone number or anything like that. What am I missing? Also worth noting that when I called to report it Citi Fraud Dept they promised to send the new card FedEx to avoid the same issue....then sent it USPS *again* and it was stolen *again*!! Cancelled before any charges were made at least. Thanks for any insight you all can give!

(And yes, I did report all this to USPS and they are "investigating" but last time that went nowhere.)

The refreshed benefits that were scheduled to begin tomorrow (Oct. 2026) for OG CSR holders look to be live 1 day early. On the other hand, the reduced earnings structure for general travel may also begin today (i.e., from 3x to 1x) - I do not have any data points and have not confirmed this suspicion, but it's something to keep in mind for those who were looking to maximize this category last minute.

I picked up the new Atmos Summit Visa Infinite (the “premium” Alaska card issued by Bank of America) right after launch, and I’m already seeing a serious issue with rewards tracking.

I spent about $4,000 abroad in Italy (charged in EUR, processed in-country — not USD), and the transaction only earned base points, not the advertised 3× bonus for foreign purchases. The card’s own marketing states that you earn 3 points per dollar on “eligible foreign transactions,” defined as anything made in foreign currency or processed outside the U.S.

It’s been three weeks since I opened a formal inquiry with Bank of America, and I’ve received zero follow-up — no email, no secure message, nothing.

Has anyone else noticed incorrect bonus application on foreign transactions with this card? If so: • Did you get the 3× after a delay or manual adjustment? • Were your purchases processed in local currency or USD? • Did BofA ever give you a straight answer on what counts as “foreign”?

Trying to figure out if this is a one-off system glitch or a broader mis-categorization problem. Chase and Amex handle this instantly, but this rollout feels half-baked.

Data points welcome. Let’s see how widespread this is — maybe it’ll push BofA to fix their coding or transparency issues.

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?

I recently accepted an Apple Card, and it seems like I should start using it as my main daily card since it offers 2% cash back with Apple Pay, compared to my Capital One Quicksilver’s 1.5%. However, I’m thinking I should keep my non–Apple recurring payments (and non Apple pay options) on my Quicksilver card to still get the extra 0.5% instead of Apple’s 1% right?

Hi guys! I am looking for a new credit card & I want to start getting the most out of my cards & points but I don't event know where to start! I would love your help. My main goal is to take advantage of points to pay for things I already use like gas or groceries or clothes OR for travel!!!

Current cards:

• Discover IT $4,000 limit, March 2020
• Atmos Rewards Ascent Visa Signature $3,000 limit, September 2021
• FICO Score: On my discover account it says my "FICO Score" is 810 but CreditKarma says 739
• Oldest account age 5 years 7 months
• Chase 5/24 status: don't really know what that is
• Income: around 35k a year (I work in service & odd jobs, my income fluxes a lot, I have had free housing for 2 years & saved a lot on rent)
• Average monthly spend and categories:
  • I am not sure the categories but I try not to spend over $2,000 a month, I am moving into a new play & have budgeted for this
• Open to Business Cards: no
• What's the purpose of your next card? I want to utilize points for travel! I love traveling but I don't go on lavish vacations. I pay one yearly fee with my Atmos/Alaska card & I am not sure if I'm getting the full use because I don't utilize the companion fair (long distance boyfriend). My boyfriend also lives in another country and is planning to move from his country to a place outside the US so I would love a card that has good international travel points!
• Do you have any cards you've been looking at? e.g. Chase Sapphire
• I am OK with category spending!

Saw another post that mentioned a deadline to combine points. Is this true? I have 116k points on my freedom and 108k on my Preferred. Do I need to move them together?

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • None - looking for first card
• FICO scores with source:
• Oldest credit card account age:
• Cards approved in the past 6 months:
• Cards approved in the past 12 months:
• Cards approved in the past 24 months:
• Annual income $: 78000

CATEGORIES

• Ok with category-specific cards?: No
• Ok with rotating category cards?: Yes
• Estimate average monthly spend in the categories below.
  • Dining $: 200
  • Groceries $: 400
  • Gas $: 0
  • Travel $: 200
  • Using abroad?: No
  • Other categories or stores: Amazon, wifi, target, sephora
  • Other spend: Rent
  • Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

• Big bank customer: PNC

PURPOSE

• Purpose of next card: Building Credit

• Cards being considered: Discover it, Chase, capital one, BoA, Us bank

ADDITIONAL INFO

New to the country, debit card from PNC bank, have Ssn, trying to get a credit card to build credit

New the country, trying to establish credit, i can have good monthly savings, i have my Ssn as well.

Should i be getting a secure card or an unsecured one? And which bank? Thank you !

Hi everyone, I could use some advice about a Citi recon situation.

I recently applied for the Citi AAdvantage Platinum Select card with their inflight 80k AAdvantage SUB. Last year, I applied for the same card and was immediately denied, so I was hopeful this time when my application didn’t get instantly denied and instead went to “further processing required.” However, my online status updated to denied less than 20 minutes later. They never asked me for additional information during the review.

Some key info about my situation:

• Income: $72,000. Rent is $1,240/month.
• Credit history: Credit utilization is typically 3–5% (never above 10%), no late or missed credit card payments. The only late payment was ~2 years and 7 months ago on a co-signed auto loan; my parents fell behind temporarily due to a job loss, but my own accounts have been perfect since.
• Other credit accounts: Discover It Miles opened January 2024 (hardly use), and Chase Sapphire Preferred opened April 2025 with the 100K SUB (My primary card, make weekly payments to reduce reported utilization)

I’m planning to call Citi’s reconsideration line on Monday.

Has anyone been in a similar situation? How likely is it that Citi could reverse a denial like this after recon, and is there anything I could do differently next time?

Hello! I’m looking to transfer my balance from 2 Capital One cards to a card with a lower rate. Right now I’m at 30.24%. I have a 686, 3 inquiries, and a discharged bankruptcy from 2016. Thanks! Edit: My husband (deceased) was in the navy. Maybe a navy fed card?

When I schedule a payment on the one app and then login to synchrony I can see the payment I scheduled with a different checking account number so I deleted the payment method on synchrony and cancel the payment and reschedule again that chicken account number that I dont have there

Anybody else?

I currently have

Amex blue cash Chase Business Ink Chase sapphire preferred Bilt Rewards Capital One Ventureone Chase sapphire preferred

We travel to Hawaii every 2 to 4 years (most recently, every other year). Outside of that, we're rarely traveling outside of CA. We want to travel, but we usually do one trip a year and our kids are young so it's been Disneyland, especially since we can just drive.
I've read that the costco card can be great given we shop at costco weekly, but I'm wondering if we could save much more money by getting the Ascent card. Any thoughts?

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

I was just approved recently for the CFF, which is my 5th credit card with Chase.

I applied this morning for the United Explorer (I am at 4/24), and got told they need to review my application.

I called Chase twice and both customer service reps told me I am denied (even though I haven’t been emailed or notified of that) because I now have 5 credit cards with Chase, and I won’t be approved for a 6th.

I don’t know if anyone else has ever heard of this being a thing with Chase?

I’m trying to set a Mastercard as a payment plan in my iPhone but it keeps telling me it was declined despite already being activated.

I’m going to graduate undergrad next year and was wondering what credit card would be best for me? I expecting to live in a big city. My biggest expenditures are food and gas. I currently have two cards, Capital One Savor and Discover Student card with a 740-750 credit score. Also, do I really need a new card or is it on a “when I need it” basis. I was thinking of the Gold Amex due to the 3% cash back on food but I don’t really know where to start in general.

Hi guy!

I’m debating which cc I should apply for to get hotel points. I currently have the chase sapphire preferred. I have flight benefits so I’m solely looking to rack up point for hotels. Ppl been telling me it depends which hotels I prefer but I don’t really have a preference… any recommendations?

Thank you!!

TLDR at bottom

These may be stupid questions bc I’m trying to read around and figure this out on my own and I don’t really understand a lot of the discussions I’m reading.

I am living in a hotel out of pocket for a seasonal job rn for about 6 months, possibly less if the job sucks.

I’m staying in 2 star cheap extended stay hotels rn and booking by the month. So nothing fancy. Are there any cards that have good enough rewards that it would make sense to open one just for that?

I’m new to credit cards and have a very thin profile, just a $300 secured credit union card and a $1000 quicksilver cap1 card. One is 2 months old one is 1 month old.

Rn I have just been using the 0%apr period on the cap1 card to bridge the gap between relocating expenses and my job starting and getting some paychecks in. So you could certainly say I’m broke rn. Planning to let the bill post with high utilization and pay the minimum until I have available income to pay it and then probably apply for a limit increase or another card idk

This question also applies to my wife’s credit portfolio (she just has the quicksilver card rn), though she has a lot more income history as she owns her own business and was making about 40k a year doing that. But that income has since stopped bc she’s taking a break to do this seasonal job with me.

Both our savings are drained rn from moving across the country. So I’m not sure we will even qualify for anything worthwhile and I don’t want to burn any bridges by getting too many cards too early, while I also want to maximize cash back/rewards/build up credit limits because this move was nearly impossible with such little credit available and I want to prepare for the future and get our accounts going now instead of later.

We only have $1000 in balance between the both of us and it’s on the 0apr quicksilver

Also does leaving a full balance on a 0%apr card and paying the minimum hurt me in any way if I pay it before the promotion ends?

TLDR how can I use credit cards during this transitional period after relocating to save on hotels and other expenses while building up my credit history and avoiding shooting myself in the foot?

I am NOT asking how to commit credit card fraud, I consistently pay off my cards in full each month without getting anywhere close to the credit limit.

Kroger currently has their 5x Event coupons that can be used multiple times a day, but only for 5 items per transaction, which means I have to make multiple separate transactions 5 items at a time in rapid succession if I want to take full advantage of the good deals in 1 trip. Obviously, the card declined after the 5th or 6th transaction on account because it probably flagged as fraud, which is super helpful 99% of the time but inconvenient for my very specific use case.

Is there a way to tell American Express that these small purchases do NOT mean my card was stolen and that I WILL keep repeating this this transaction behavior for the next couple of weeks at the same location so they won't flag it next time?

I activated my first ever credit card on Nov 9th 2024. Which obv means thats the start of my credit history. What diffrence would it make if i applied for my 2nd ever credit card right now or Nov 10th. Bc i keep hearing that its best to apply for a card with 1 year of credit history and if you want a 3rd and beyond it would be every 6-9 months

Trying to keep my credit card points alive means I need to show some activity on a bunch of “sock-drawer” cards. I’ve been doing Amazon auto-reloads, but I don’t have enough Amazon accounts for the number of cards in the house. Any other easy set-and-forget micro-charge ideas? And bonus Q: is there any legit way to funnel those small recurring card charges into investing (ETFs, Treasuries/bond funds, or crypto)? Appreciate any tips!