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swimmingwithsharks

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  1. The easiest way, for me, is to send Amex whatever amount of payment you want, using your bank's BillPay service (that is, not initiated through the Amex site). Amex will post the overpayment and show a credit balance.
  2. CV, you know Amex loves you so much, *you* could use their cards anywhere, and they will continue to be thrilled. And then probably offer you an upgrade on all of your cards that have a level-up option. Others may have a different experience. It is also quite funny to see The New York Times, Peacock, and Walmart altogether like that. Who'd have predicted that combination?
  3. During and sometime after the last big economic crash, there was speculation that Amex was using "purchase models" and algorithms to predict which customers would get into trouble, including "first-purchase" location, and Amex would proactively shut down the relationship in advance of anticipated/ predicted trouble. This was early in the days of AI, and it's unclear how the purchase models were developed, but the belief on CB, at the time, was that one should not use Amex at any business that Amex might consider indicative of financial distress, such as Wal*mart. However, the Amex of 2009 is most certainly NOT the same company as Amex of 2021. But then, neither is Wal*mart.
  4. Which card's reward program better fits your spending pattern, and/or fills a gap in the reward structures of your existing cards?
  5. PNC's footprint may be expanding as PNC is buying BBVA.
  6. I love hearing about these unusual CUs that really seem to focus on such a specific characteristic, in this case Polish-speaking Chicagoans, because it seems SO sharply defined. And it must be a lifesaver for members to be able to do financial transactions in the language that is most comfortable for oneself.
  7. I'd say it's always good to have a backup, and a CL from FNBO or Elan (if you don't have USBank already) helps diversify your basket of issuers. But the lake of available issuers has shrunk to a pond. Who cares what the card says on it, if you're getting good (or great value) out of it? I have no FNBO card, but I would get one from them if they offered me something that I found valuable. But that would need to be at least 2% cashback with no AF, for me. Others may find value in a different reward structure.
  8. My Comenity Orbitz Visa only reports in months where there is a balance, either positive (I owe them) or negative (credit balance that they owe me). It will not report if the statement balance is exactly $0. Not sure if that's happening here with your accounts, but to make Comenity report my updates, I've generally paid $2 or more above the statement balance to create a credit balance. The good thing is they send me the refund check the next month (when I don't use the card), without any intervention on my part. (And before someone asks why I keep this sad card, it is because I generally keep cards with both features: no annual fee and no FTF. Also it's my only Comenity card, so some issuer diversity is a secondary consideration, too.)
  9. Congratulations on paring the cards that have finished serving their purpose!! Generally it seems the wisdom on CB is to have at least 5 revolving credit cards with mainstream issuers. By my count, you have at least 7, and 5 will be a year old or more by April. You're doing fabulously!! I would also agree with HD to try for credit line increases on the lines in about 6 months or so, to grow your limits. And remember to use each card at least once every 6 months, for something you truly need/want, to keep each card active and growing. It can be a small purchase, but my recommendation is to only buy things you like/want, not feel obligated to buy something you don't want "just for the sake of activity." CV recommends pencils, but I prefer zero-calorie no-sweetener iced tea from Starbucks, because I like tea and I don't use pencils. 🤓 And I'm also working on maintaining weight loss.
  10. Since you've been denied, get your free paper report from EQ since that's who Cap1 referenced in the denial letter. Always remember to get your free report that's your right, every time a creditor says no based on something in your report.
  11. There is a student loan forum here on CB, not sure if someone who frequents there might see this question here.
  12. I guess we'll find out in July when all the inquiries are gone?
  13. Every card needs a backup. Never know when an account will be compromised or a certain network will go down. I also recommend a backup checking account at a different institution from one's "main" account, but I know that's hard in some situations.
  14. Maybe you should campaign for the HOA board on the platform of bringing back that company- better rewards when everyone pays their HOA dues!
  15. You raise a great question, OP. "Great" customer service is such a subjective, nebulous concept. And what exactly, would make one institution's customer service better than another's? So tough to compare. Is there anything, specifically, that you are looking for at NFCU? Maybe a great auto loan rate, a high credit limit on a credit card? A bonus for opening an IRA? Free checkprinting? NFCU does offer all of those. NFCU will also lock you out of your accounts if there is a hint of danger. NFCU very much takes the idea of protecting all their members, and if there's a possibility that you might not belong, you will be seen as a danger to the rest of the membership and treated accordingly. I would not recommend doing anything until the DD-214 is in your hand.
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