Categorycredit cards

You can order the new American Express Platinum designs now

Starting today, January 20, 2022, you can order one of the two Art x Platinum designs for your American Express Platinum consumer card (not Business Platinums currently).

Sign in to your account, click on your Platinum card, and go to Account Services > Replace a Card > I want to change my Card’s design. It only worked for my vanilla Plat; it doesn’t seem like we can replace Schwab or other Plats yet. Continue reading →

How to request reopening a US Bank credit card

Here’s a quick guide on how to request the reopening of a US Bank credit card that either you closed or was closed due to inactivity. Sorry, don’t think this helps if your card was closed because you got banned. 😅

Unlike other banks, US Bank is a little more old school and requires a written request to reopen a closed account. Here is what you need:

  1. Reopening may require a credit inquiry, but the account would be reopened with the same card number and same credit line, so it’s not considered a new account on your credit report, in case you are worried about 5/24.
  2. On your written request, include the following:
    1. Sentence requesting the reopening of your account.
    2. Account number (credit card number).
    3. Individual annual income.
    4. Other sources of annual income you would like to report.
    5. Monthly housing payment.
    6. For the above, rent or own?
    7. Signature, name, and date.
    Mail or Fax to:
    • Cardmember Service
    • PO Box 6361
    • Fargo, ND 58125-6361
    • FAX: 1-800-670-4834

    Pro-Tip: You can take your document to any US Bank branch and they will fax it to the number for you for free. If you would like to do it from home and don’t have a fax machine, I love using HelloFax (5 free fax pages when you sign up with my link). It’s simple and fast! Just don’t select the option to send it in high quality/color, because this sends them a fax containing a link to the document rather than faxing them the document itself. Continue reading →

Gopuff Review – $10/month free with Chase cards

Gopuff (my referral) has been working hard on marketing lately. I’ve been getting ads everywhere for them, and every time I walk past a BevMo (Gopuff acquired BevMo for $350MM in Nov 2020) I see a tent sign about Gopuff outside the entrance. I’ve seen Chase offers for them, and there’s currently even a targeted 99% off Boost up to $25 off in Cashapp for it.

Gopuff also recently announced a Gopuff x Chase benefit where you can get $10 credit per month per Chase card you have through 12/31/2023. Nearly every Chase card qualifies (except Amazon, it seems). The Ink cards also get the credit, even though it’s not officially on the list. Continue reading →

How to set up auto-pay for Bank of America credit cards

Hi all, this seems like such a silly post to write, but I’ve seen a lot of people complain about how different setting up an auto-pay for a credit card at Bank of America is compared to other banks, and how it’s led to missing a payment, getting interest charges, late fees, etc. I’m so used to having all my cards on auto-pay that this happened to me once too. Setting it up is definitely more tedious and requires more clicking around than other banks. So hopefully this post documenting the process helps someone out there. Continue reading →

Amex and negative credit balances

Just wanted to do a quick post for future reference. If you have a negative credit balance on one of your credit cards (i.e. from an overpayment or a huge refund that hit), most banks let you transfer that balance to another card you hold at that bank to decrease the balance owed on that card. I’ve done it with Citi and Chase.

I was chatting with Amex tonight to transfer a huge refund I got on one card to to 3 other Amex cards I have. Here is a quick breakdown of what I found:

  • You can transfer balances between personal & business cards, not just personal.
  • You can only transfer balances between cards where you are the primary cardholder. So you can’t transfer to your AU on someone else’s account.
  • If you request a refund, they can transfer it directly to your bank account instead of getting a check in the mail. So much more convenient!

How to set up autopay on Jetblue Business card

Hi everyone, I just got my Jetblue Business and scoured their site for how to set up autopay. I couldn’t find it anywhere (their website rivals Bank of America’s in terms of user experience…), so I had to call their number to talk to a representative. Their number is 1-877-907-7470, and here are the instructions on how to set it up:

You must mail a letter (there’s no form) to:

Business Card Services
PO Box 84030
Columbus, GA 31908-4030

Here’s a template letter I wrote:

To whom it may concern:

I would like to set up autopay on my account [INSERT CARD ACCOUNT NUMBER].

Routing number: [ROUTING]

Account number: [ACCOUNT]

[CHECKING or SAVINGS?]

I would like autopay to pay the previous statement balance each month [or to pay the minimum required each month].

Thank you,

[YOUR NAME]

Hope this helps anyone out there searching for how to do the same! I asked if there is a fax number or email we could send this to instead, and there is none.

Update: I called them 2 weeks after I sent the letter, and they confirmed that my account was set up for Autopay. It’s not apparent anywhere in my online account. Also, while I was on the phone with them, they explained the following things, which you can take with a grain of salt, I’m just reporting what they told me–

  • When you pay your account, you should pay the CORPORATE account, not the individual card itself. Everything goes on the Corporate account, including late fees, finance charges, etc. The card is for your individual purchases.
  • If you accidentally pay your business card instead, it’ll still go up to the Corporate account, but it’ll take longer to get there.
  • Once you pay your account, your credit limit on the card does not get freed up until the cycle ends. So even if you pay in full on like the 1st, but your cycle ends on the 20th, the card goes to $0 on the 20th.
  • Continue reading →

    Privacy.com and Ingo (UA MileagePlus GO) ban me for no reason?

    Hi all, this is not going to be a very informative post, but just wanted to share a strange ban and see if anyone here has any light to shed on it or similar experience.

    On 2/12, I signed up for Privacy.com (Doctor of Credit review here) so I could generate temporary credit card numbers (linked to bank account, but they have a 1% cashback program) mainly for the purpose of signing up for trials and such without having to give out my real credit card number and address.

    Immediately after signing up and connecting my Wells Fargo bank account, I received an email saying, “For your security, your account is pending review by our staff before being activated. You’ll be notified within 1 business day by email when the review is complete!”

    I never got an email. No phone calls either.

    On 2/18, I tried to create a temporary credit card on the site, but it kept saying, “contact support@privacy.com.” So I emailed them and said I was unable to create a card.

    This was their response:
    =&0=&

    My First Citi Prestige Trip Delay Reimbursement

    I’m currently in my 2nd full year of holding the Citi Prestige (i.e. paid the annual fee twice now), and when they announced the major changes last year, I resolved at that time that I would product change my card when my 3rd annual fee came due. I had literally never used the 4th night free, golf, or 1.6 cpp AA redemption features. The only benefits I was actually using were the Admirals Club access (which I’d probably used 2 times, but also had an AA Executive card overlapping for a year) and Priority Pass benefits (which is now covered by what feels like a bazillion other cards).

    However, for the first time in 2 years, I had a flight delayed by more than 3 hours from HKG-TPE. As a result, my group and I got to TPE past midnight and had to make some major changes to our plans which incurred some significant expenses. As we know, Citi Prestige has the most generous flight delay policies, and after this successful claim, it’s possibly it will be the only reason I would consider keeping the card. Now if Citi ever dilutes these policies, then I would still change it in a heartbeat. So Citi…if you’re reading this, thanks for having an awesome policy and please don’t change it anytime soon! <3

    One awesome part of the benefit I must mention is that the cardholder does not need to be on the trip in order for it to be covered. The trip must be paid for at least in part by the Citi Prestige, or by Thank You Points, and covers any immediate family even if the cardholder is not traveling. However, if the cardholder is traveling, then the coverage extends to traveling companions, even if they are not family members!

    P.S. if you’re looking to file a Chase Sapphire Preferred/Reserve/Ink trip delay claim, check out this awesome reddit post here. The process is pretty similar.

    How to File a Citi Prestige Trip Delay Claim (Guide to Benefits)

  • As soon as you realize your flight is delayed by over 3 hours, ask your gate agent for a proof of trip delay certificate. Mine was on Cathay Pacific, and they had templates at the gate. They filled one out for each member of my group. Here’s a list of ways you can get a letter from American carriers (you could ask for a military excuse letter).
  • Take a screenshot of the delay on www.flightaware.com (I actually didn’t end up submitting this, but it could be good to have just in case).
  • Save a copy of your trip itinerary showing the original times. I made a PDF of the original flight booking.
  • Scan all your receipts related to the trip. (Suggestion: use an app like Scanner Pro by Readdle on iOS or Scanbot on iOS/Android)
    1. You do not have to have used your Prestige card for the expenses incurred. Nowhere in the benefits guide does it say you have to use your Prestige card to pay for the trip delay expenses. My receipts were actually mostly for cash purchases. Taiwan and Hong Kong are mostly cash-based societies so I could not have paid with a credit card even if I wanted to.
    2. Continue reading →

  • Some useful roadside assistance cards for top credit cards

    Many of the top of the line credit cards from the various issuers offer various roadside assistance benefits for free. Benefits include towing assistance, jumping a dead battery, bringing you emergency gasoline, and more.

    Cards that include these benefits include the Chase Sapphire Reserve, the Chase Ritz Carlton Rewards, the Citi Prestige, and the Amex Platinum/Premier Rewards Gold card. But how are you supposed to remember what your benefits are when you’re already in an emergency situation, and may not have internet access or need assistance quickly?

    icemule1 from r/churning has made some handy dandy roadside assistance benefits cheatsheets for the most common high end cards that I mentioned above. Print them out, keep them in your wallet. I can see this being super useful for myself just in case.

    You can read the original reddit post here: https://www.reddit.com/r/churning/comments/5if815/made_some_handy_roadside_assistance_cards_for_csr/

    Rejecting Citi’s arbitration agreement

    I recently received updated cardholder agreements for all my Citi cards. Normally this wouldn’t be a big deal and I tend to skip reading these, but I noticed a big clause about a new arbitration provision. It also said:

    You have the right to reject this arbitration provision. If you reject, your account will no longer be subject to an arbitration provision. You can reject arbitration by writing to us at PO Box 6195, Sioux Falls, SD 57117-6195 stating that you would like to reject the arbitration agreement. Your letter must be postmarked on or before [various dates in end of December or early January]. We will not close your account if you reject this change. Continue reading →

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