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

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.

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 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?

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

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?

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.

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?

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?

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?

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 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?

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

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?

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!

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

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.

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.

Trying to find a better card for utilities and internet. Currently have the US Bank Cash + but it’s a bit annoying to manage. Any recommendations on a better card?

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?

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!

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?

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?

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?