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Medion

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About Medion

  • Birthday 08/09/1982

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  • Location
    Lake Tapps, Wa

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  1. It's in a server-side transcript. Amex was able to see my Discover info. I hope that's more clear for you. Yup. Both parties. Won't do any good though as most CSRs don't send that info back to the appropriate channels.
  2. I was doing a bit of multi-tasking and logged into both my Amex and Disc accounts in separate browser tabs. First, I contacted Discover chat to resolve something. Issue resolved, closed chat, left feedback. Then, I opened chat via Amex to resolve a matter there. It contained the entire log from my Discover chat, and kept prompting me to close the chat window as my issue is closed. Seems like a potential privacy/security issue. Though I'm pretty sure that this would be an extremely uncommon scenario and difficult to exploit.
  3. Approved two days ago for the Chase Sapphire Reserve with a limit of $36,300. Just received the card today, requested my Priority Pass, and will further navigate the benefits this weekend.
  4. Yup, at just under $12k annual spend. But CV has already addressed why he doesn't want it on the list. I can't fault him there. That was my mistake. I failed to read the entire thread before posting. Mea culpa.
  5. I understand your reasoning for not allowing the Alliant Visa Signature (the AF), but they seem to have another potential 2% card with no AF. Their Visa Platinum Rewards Card gives 2 points per dollar on all purchases, and no AF. It appears that each point is worth 1 cent in cash back, making this an effective 2% CB card.
  6. This is going to hurt (me). I apped and was approved for the CSR today. I had previously done the CSP 3-4 years ago, but dropped it before the AF when I had realized that I had bit off more than I could chew. I just wasn't traveling enough to justify it, so a pure CB card did better for me. Now things have changed, and we had planned on apping at the end of August. I'm checking the page now and it has the 48-month language. I read the actual fine print of the app before clicking submit, and it had 24 months. I'll call in tomorrow to find out if I have the 50k points promo, and if not, if there's any way to get it. If not, I'm going to have a hard decision on my hands.
  7. Without going into great detail, I'll simply say that I've applied for loans twice with NFCU, with good credit (the first time), and 800+ on all 3 FICO scores the second time. Both times I had to jump through hoops and go back and forth with them. It's been my experience in this small sample that NFCU can sometimes be harder to get a loan, but the payoff is often worth it.
  8. I opened a Target RedCard Credit account in November of 2016 with a CL of $2,500. In December of 2017, and shortly after I updated my income via their website, they gave me an auto CLI to $3,300. If I had to guess, their factors are utilization/usage, income, and the generic stuff like payment history and age of account. My typical usage back then was ~$400-$500 a month, but has been in the $600-$700/mo range lately. Maybe I'll get another CLI.
  9. I'm actually closing my Discover account in the near future. I hope they don't pull a stunt like that with me (approving charges years after cancellation).
  10. I'd guess that it depends on the bank/CU. A few years back I was told by an NFCU rep that for any chargeback less than $50, they just write it off in favor of the customer.
  11. Another data point. Also, here's my prior data points from earlier in the thread: 04/18/2015 - Approved for Discover it, $7,500 limit 07/07/2015 - CLI request, bumped $500 to $8,000 12/13/2015 - CLI request, bumped $1,500 to $9,500 02/08/2016 - CLI request, two-day message 02/10/2016 - bumped $1,500 to $11,000 12/15/2016 - CLI request, bumped $4,500 to $15,500 04/08/2017 - CLI request, bumped $1,000 to $16,500 07/11/2017 - CLI request, bumped $4,500 to $21,000 12/15/2017 - At this time, we cannot increase your credit line. 06/20/2018 - CLI request, bumped $5,000 to $26,000
  12. I don't like opening new accounts (happy with my current ones, letting them age). And my current (now former) BCE was 12 years old (having been changed from a BCP, which was previously a BCE, which was previously a BC). So I called and requested a product change. Nope, not eligible. Then I logged into chat and did the PC. No problems. Same account number, age, history, etc. No signup bonus. Same $40k limit. I only ever used this card on hefty electronics purchases for the extended warranty, so an extra 0.5% CB is welcome.
  13. In my experience, Amex and Discover have a more lenient CB process, which is along the lines of "return the money from seller to buyer, remove ourselves from the process, let them sort it." Unlike Visa/MC, they don't seem to fine the seller. So technically, you "still owe" the seller, but Discover isn't going to process the payment. Of course, you owing and them collecting are two different things. They'd have to prove fraud on your part. Your photos, your correspondence, and their lack of a response is enough that they have no change.
  14. Received a letter from Target today (well, in my junk mail pile, it was dated 11/26/17). Automatic CLI to $3.3k.
  15. Another data point. Also, here's my prior data points from earlier in the thread: 04/18/2015 - Approved for Discover it, $7,500 limit 07/07/2015 - CLI request, bumped $500 to $8,000 12/13/2015 - CLI request, bumped $1,500 to $9,500 02/08/2016 - CLI request, two-day message 02/10/2016 - bumped $1,500 to $11,000 12/15/2016 - CLI request, bumped $4,500 to $15,500 04/08/2017 - CLI request, bumped $1,000 to $16,500 07/11/2017 - CLI request, bumped $4,500 to $21,000 12/15/2017 - At this time, we cannot increase your credit line.

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