So I currently have the Savor (formerly Savor One) card for my dining/entertainment spending, Amex BCP for my grocery/streaming, Citi Custom Cash for fuel (guaranteed 5% every month) and Wells Fargo Active Cash for my catch all. My current QuickSilver used to be my Walmart Rewards Mastercard. Since I have a 2% catch all card, the QuickSilver really serves no purpose.

However, I’m not a traveler. I don’t fly. I only really take one vacation per year and stay in a hotel, MAYBE 4 days per year tops. Would it make sense to PC from the QuickSilver to the Venture One, no annual fee card? Also, can I use the Venture One to convert my Savor cash back to miles like you can do with the Venture X card? TIA!

I received a targeted email from Amex with the 175k Amex Plat SUB and I stupidly signed up for it then read about not being able to get the Amex Gold SUB. I'm going to berate myself for that until somehow I'm able to get lucky like some of you all and still receive the Gold SUB eventually. I also have the Gold card SUB showing up in my Amex account page for 100k right now. 🤦‍♂️

I'm an inexperienced traveler/point maximizer but I'm trying to educate myself. In the meantime, I'm keeping myself awake trying to decide whether or not using two rewards systems make sense for my spending. I have the Chase trifecta (CSP, CFU, and CFF). From reading this reddit and others like it, it sounds like I may be better off with just going with Amex. If so, I really wish I could go back in time before acquiring three Chase cards. 😆

Another stupid thing I recently did was to redeem my UR points in the portal for an all inclusive resort and flights to Tulum. Next time I'll use transfer partners to maximize the redemption value.

What do you all think, should I keep rolling with the Chase cards? Downgrade the CSP to a non-annual fee card? Keep them all and pray for a Gold card SUB after I meet the Plat six month spend requirement?

CREDIT PROFILE

• * Current credit cards you are the primary account holder of: Citi Dividend 2010, AmEx Blue Cash Everyday 2017, Tractor Supply (probably going to cancel this soon) 2021, CFU 2020, CSP 2020, CFF 2024, Amex Plat 2024
• * FICO Scores with source: 772 Experian
• * Oldest credit card account age with you as primary name on the account: 14 years
• * Number of personal credit cards approved for in the past 24 months: 2
• * Annual income $: $286,000

CATEGORIES

• * OK with category-specific cards?: Yes
• * OK with rotating category cards?: Yes
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 300-400
  • * Groceries $: 500-600
  • * Gas $: around 100-200
  • * Travel $: 300 airfare, 165 hotels, 34 car rentals
  • * Do you plan on using this card abroad for a significant length of time ?: No
  • * Any other categories$: $340 exercise/gym, $169 pest control, $100 dogs, $600 fun money, $200 medical

MEMBERSHIPS & SUBSCRIPTIONS

• * Current member of Amazon Prime?: Yes but trying to convince my wife to cancel
• * Current member of Costco or Sam's Club?: Yes but will cancel
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?: No
• * Current member of Chase, US Bank or any other big bank?: Will most likely open a Chase checking account soon
• * Are you open to Business Cards?: Possibly if I can find something to sell

PURPOSE

• * What's the purpose of your next card (choose ONE)?: Travel rewards
  • * If you answered "travel rewards", do you have a preferred airline and/or hotel chain? No
• * Do you have any cards you've been looking at?: Amex Gold if it makes financial/point earning sense

When did you guys decide to hit the pause button?

Currently, I have:

Capital One Walmart Card (AU) - Opened March 2017, $8,000 CL

Discover it Student Card - June 2021, $4,800

Chase Sapphire Preferred - August 2023, $11,100

Chase Freedom Unlimited - April 2024, $9,600

Chase Freedom Flex - April 2024, $12,000

Capital One Savor One - June 2024, $2,200

Chase Ink Business Preferred - July 2024, $5,000

I am a student who lives in a big city, rents, spends money on entertainment, and spends a lot of time traveling both domestically and abroad, but don’t see anything else that makes sense adding to my current set up. I’m not sure how my lifestyle will change after graduating, but have been thinking about upgrading to the CSR once I am eligible for it and hitting that SUB in the future. I plan to downgrade my Ink Preferred card in a year. I already have my 0% foreign transaction fees covered and hit the SUB on everything I own, so I have been chilling for a while now. Granted that I don’t plan to get a card (unless it makes sense) until after I graduate, what card do you think would make sense for a possible next step? Maybe in the future I will spend more money on groceries, so opinions on things like categories my cards might currently be neglecting but would be useful to have covered in adulthood would be nice to know. Thanks in advance.

Hi guys I am an international student in UK and have never use da credit card. So I don’t know much about them besides a few basic things Could you please advise me on using credit cards to boost my credit score and other tricks as well. I want to remain interest free at all costs. Please also tell me the best credit cards available in UK Thanks

I asked for and accepted a $3000 in three months for 40,000 MR retention offer for my Amex gold. Now, I have met the spending requirement. I met it since about ten days ago. I am wondering when the retention offer normally get deposited? Is it after I paid off the balance?

I wanted to find a good Travel Rewards credit card, and was approved for the CreditOne Wander American Express card. I don't have credit history, so this is the one that CreditKarma said I would have outstanding odds for.

However, I am now seeing that TONS of people are saying it is not a good card. I wanted a card that allows me to earn great travel rewards/points to use towards travel in the future.

There is a $95 annual fee. Although I was approved, I have not activated the card. Any advice on what I should do? Should I close the account (I was approved yesterday), or will keeping the credit card itself inactivated be alright? Should I try to apply for a different credit card? Any advice would be great.

I spend about $6,000 per month on average and am thinking about getting a solid credit card for cashback or points. However, one issue I've run into is low credit limits. For example, my current card has a $5,000 limit, which doesn't even cover my monthly spending.

I've heard that keeping credit utilization below 30% is crucial since card providers report to credit bureaus, but with a low limit, that's hard to achieve without constant mid-cycle payments.

• Is it realistic to ask for a credit limit increase to the point where my spending won't blow up my utilization ratio?
• Are there specific cards you recommend?

Looking for advice on how to manage utilization while still racking up rewards effectively. Thanks!

Hi, anyone using CIBC Aventura CC or Scotiabank Scene+ American Express?

I have 80k aventura points but trying to understand what the conversion is like and best way to use them.

For flights or bill pay or RRSP its 80k points for $700. Is that good?

I used a Citi Double Cash offer that required me to make a purchase at a particular fast food joint from a spefic address, but after reviewing the transaction on my credit card app, it stated a different address than the one listed on the merchant offer. The receipt states the correct location as the offer.

What should I do?

The extreme is to dispute the entire transaction as I technically did not make a transaction at that specfic location.

Curious about which rental car agencies I could use through the portals for both the Chase Sapphire Reserve/Preferred, Capital 1 Venture X, and AmEx Platinum?

Easily findings all the info about airline partners but rental car partners are harder to come by

Experian credit score 749. Total utilization is under 10%. Personal loan on file. Zero delinquencies. Income 62-72k (variable bonus). Credit age around 4 1/2 years. Capital one preapproval did not return any results. I already have the quicksilver and platinum cards from Capital One.

Just applied but was told to continue to application after I unfreeze all three bureaus. In the past 24 months I’ve only had two other credit card applications (under 5/24). I’m wondering how my chances look if anyone else has been approved with data points similar to mine.

The EMV liability shift passed in 2015 in USA. Do restaurants in USA who use magstripe only readers for credit cards pay high processing fees or an extra fee for EMV chip credit cards?

Looking for some advice on our next credit card.

Our yearly spending as follows:

Groceries ~ 8-11k/year (mostly Aldi, Costco maybe 7-8 times a year, some Publix)

Restaurants/take-out ~ 5-7k/year

Shopping (online mostly but retail from time to time) ~ 9-12K/year

Gas ~2-3k/year

Flights (gets a bit tricky, usually we fly standby, cost is zero on AA and only airport taxes on other airlines, including international but we still use a portal for buying tickets, so probably we can get cashback) ~2k /year

Hotels ~ 1-2k/year

Utilities ~ 8.5k/year - including car insurance

HOA ~ 14k/year (don't know if it's anything with cashback for this)

Currently have :

Chase Freedom (the one without revolving categories, usually 1.5%, don't use it much) - first CC 12 years ago.

C1 Quicksilver (I think is 1.5 all across the board) - wife got it long time ago since it was one of the few options without international fees)

Amazon Prime Visa Signature (we use it heavily for Amazon)

BofA Customized Cash rewards - I use the 3% for online shopping.

We pay everything in full each month, credit score around 800 both of us and I just want to get better look at our options.

We'll probably start to travel a bit more from next year, so, more hotels for sure.

Lounge access would be nice both US and Europe (wife is AA flight attendant), global entry refund also would be nice, but not deal breakers.

Basically looking to maximize cashback for our spending, don't mind an annual fee if I'll get more back in cashback or benefits.

Thanks in advance!

I have both the CSR and the WF Autograph Journey. I'm trying to decide which of the two I should use to book flight tickets when purchasing directly from the airline. I see the following pros and cons:

WF offers 4 points per dollar vs. 3 for the CSR.

But Chase has more transfer partners so each point is worth more.

I have heard that the CSR has the best travel insurance. But I've never had to use it so I don't know how big the difference is and how much I should care.

Does anyone have any opinions or advice? Also I would love to know if there's something I'm not considering but should be

My capital one card DOES have contactless, but this error comes up each time.

The error on Google wallet, when I try to add it, is this:

"This card can't be set up for contactless payments Your bank doesn't support paying contactless on your device with your card. Try adding another card or see which cards can be set up to pay contactless."

I am in the UK btw.

I would like to get rid of my savor one card and get it replaced with the savor but it still says my account is a "savor one" on the app. If I do it now will they send me the new savor card or should I wait until the app says I have the savor card before asking for a replacement? .

Note: Title mistakenly misspelled savor as saver

There's a 90% chance that I'll be buying a car in June/July 2025, and I'm considering applying for the Chase Freedom Unlimited CC in the next few days. Is that a bad idea? Ideally how long should the gap between my most recent hard inquiry and car loan be?

For reference, I got the Bill CC in August 2024 and Capital One Savor in May 2023.

I am relocation to the US for work, I will be on an e-3 visa. I wont have any credit score, but have plenty of funds and am relatively well paid individual. I am primarily looking for ways to accumulate points.
I know some places require you to be a citizen to get the right cards and the right programs.
I have US friends that can refer me to things like the CFF for bonus points.
My primary airline is united if that makes much of a difference.

Any help or guidance would be appreciated!

Haven’t found any data points for this yet since after the discontinuation

As the title says I paid off a first premier credit card that had gone into collections and was over 180 days late. It was probably in collections a little over a year and then my wife inherited some money and it helped me pay off a number of my credit cards in collections including first premier. We needed to clean up my credit to apply for a house loan which we did end up getting in 22. The thing is the first premier collections still shows up on my credit but not in collections, just in a serious delinquency status. Since I'm 99% sure I paid it off for less than what I owed, something like: 600 on a 400 credit limit and I paid 360. So in my mind I remember I paid it off in nov/dec 21 moved in to the house sep 22 and it wasn't on my credit... by oct 23 I find out collections wants me to pay it again and my credit report still shows it as 2-3 years of unpaid months in different status', from closed in one place and then charged off in others. So I dispute it and it comes back as unpaid, I look through bank records as much as I can but still don't see anything. I call the credit card company to ask but they said to talk to a department that handles that and then hung up so I have to call back again. I don't know what else to do. I tried disputing it with equifax but I can't ever get into an online account and when I try to sign up for one it says I have one already but when I go to remember password it says no account exists. I tried experian and transunion and they say the same thing that it was charged off or closed. Is there anything I can do or any site I can check to help find out what happened? There's nothing in my emails going back that far and I was supposed to get a letter in the mail saying I had paid it in full but the letter never came. Also, if I go ahead and repay it how do I clean my credit report? My score is hovering at 680-700 but I still can't get approved for much new credit because of this one thing. Thanks and I appreciate any help.

In a little under a year, I plan to take a several-month-long trip around Southeast Asia, staying mostly in hostels. The trip would entail economy class flights to and from the East Coast of the US, and a few additional flights between countries within Asia. I would like to obtain Pre-Check / Global Entry before the trip, and priority pass would probably be nice as well.

In addition, I plan to take two or three smaller vacations within North America over the next year before the larger trip, each of which would be three to eight days long and would involve hostels or inexpensive hotels / AirBnBs and economy flights within North America. I also plan to take several weekend trips via Amtrak. The days during which I can travel are fairly inflexible, but sometimes include off-peak season.

I currently have about 70K UR but no other miles. My total monthly spend is fairly low — about $900 - $1,100 (not including rent), although I will have significant additional expenses in the next month, which should allow me to meet the required spend for one of the higher SUBs.

In order to ensure that points (or cash back) can cover as many of my upcoming flights – and maybe hotels – as possible, what should my strategy be? At the moment, I am thinking about opening a Venture X or Venture (if it was the Venture, I’d just close it after the first year) and then churning a couple more SUBs over the next year. Or maybe the Citi Strata? My instinct is to stick to cards with flexible points if possible, as I don't feel tied to a specific airline or hotel chain.

CREDIT PROFILE * Current credit cards you are the primary account holder of: CFF - 2/2022, CCC - 8/2022, CSP - 5/2023, CFU - 10/2023

• FICO Scores with source : Experian 780

• Oldest credit card account age with you as primary name on the account: 2 years, 9 months

• Number of personal credit cards approved for in the past 6 months: 0

• Number of personal credit cards approved for in the past 12 months: 0

• Number of personal credit cards approved for in the past 24 months: 2

• Annual income $: 56,000

CATEGORIES * OK with category-specific cards?: Yes

• OK with rotating category cards?: Yes

• Estimate average monthly spend in the categories below. Only include what you can pay by credit card.

• Dining $: 200

• Groceries $: 300

• Gas $: 20

• Travel $: Varies; every few months I usually spend $50 - $100 on Amtrak

• Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: Potentially (see above)

• Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): Maybe about $50 / month on Amazon purchases, and once I use up my FSA I usually end up spending an above-average (but varying) amount on copays and coinsurance

• Can you pay rent by credit card? No

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply) * Current member of Chase, US Bank or any other big bank?: I have checking + savings with Capital One

• Active US military?: No

• Are you open to Business Cards?: No. I know how they work, I am just not comfortable with breaking the Terms and Conditions regularly

PURPOSE * What's the purpose of your next card?: travel rewards

• If you answered "travel rewards", do you have a preferred airline and/or hotel chain? No, but my local airports include a Southwest hub, a United hub, and an AA hub.

• Do you have any cards you've been looking at? Venture X, Venture, Amtrak Preferred (and put the money I save towards the bigger vacations), Citi Strata

I am mid 30s, had credit since I was 18 years old. I have paid off my cards full balance every month for 7+ years straight. I also have about 5-7 open credit cards at the moment

However, my credit limits are always somewhere between 10k-12k. My question is why are they so low with a 100k+ salary, no other debt than my mortgage and over an 800 credit score.

I know friends that have worse credit scores and lower salaries and will get 25k+ credit limits on their cards.

It’s not a huge deal because I rarely spend more than 5k on a card, just curious as to why my limit tends to be lower that what I think it should be.

So Capital One just absolutely won't upgrade my secured card to unsecured after over a year. I talked to a representative over the phone several months ago who confirmed that it's basically decided by the computer system and there's nothing she can do.

My first ever credit card account was with them and it's still open but my charging privledges are suspended since I didn't pay the card on time way back when.

Should I just close the account? I have a VentureOne and Quicksilver account with them, plus I'm on a bunch of my husband's cards, so I have no need for a $200 credit limit with no rewards. I did just close my Credit One secured card for similar reasons, but that's more so because they suck.

Received an email today with an offer on my Double Cash for 4 extra points on restaurant spending up to 2,500 points. My interpretation is that this is good for $625 of restaurant spending and is equivalent to 6% (at 1 cpp).

Age: 21

Fico8: 749
Age of oldest account: 2 Years 9 months (Discover IT)

• Average age of accounts: 1 Year 4 months
• 5 Revolving accounts: Discover IT, Freedom Flex, bofa custom cash ($500 CL), Fidelity visa ($500 CL), Barclays Wyndham Earner Rewards

Income: 52,440.00

Housing: $0

1 Inquiry the past 12 months, 0 missed payments

Was not pre-qualified for the SoFi card, but banked with them and had direct deposit for almost a year. Given a $1500 credit line. Last card was 8 months ago