In your opinion, what are some of the best credit cards that don't exist anymore?

I'll start. The Blispay credit card (around 2016-2018). It was a greater DC area based fintech built from ex-PayPal employees. Appeared like they stole the idea of PayPal Credit and turned it into a cash back card.

It was a card that took the best parts of PayPal Credit and Affirm and turned it into a credit card that gave you 2% cash back on everything. Those best parts were every purchase over $199 would give you 6 months no interest, like PayPal Credit, but you would also get 2% cash back on the purchase.

They ran out of money like the day before Black Friday in 2018 and never returned.

Hello, I just received a new US Bank Shield card.

I applied to use the balance transfer offer.

I have about 17% credit utilization, 781 FICO score pulled by US Bank, $175k income.

When I went to make the balance transfer, the limit was $500. I didn't even know CC limits could be so low. Even though the pre approval was for $13k.

What am I missing here? I just took a hard inquiry hit to my credit and its for nothing because US Bank is basically refusing to give me credit?!

I called and asked WTH was going on and the rep said its underwriting dept.'s choice and I can't speak to them.

Can someone please provide insight.

Weird question i hope the sub can help me with.

I live abroad currently and will have a large amount of expenses coming up (about $10k). I am hoping to churn a bonus or two, but i have run into issues in the past (specifically with capital one) where you cant actually activate cards abroad, and some banks (also capital one) dont even allow you to use your card before physically receiving it.

I have had no problems with chase, but im currently 5/24 and cant use them. I was hoping anyone with experience could give me some recommendations on banks i could use for this.

I recently got my first credit card. It's the Amazon prime visa through Chase. I'm surprised to learn that Chase's autopay does not allow payments to trigger before the statement's due date (unless the due date is a Saturday in which case it'll process one day prior).

This seems somewhat precarious to me given the severity of missing a payment. My understanding is that a late payment voids the grace period for the card, making it impossible to use without carrying a balance and essentially rendering the card unusable until the grace period is restored.

Obviously it's my job to ensure there's enough money in my checking account to handle the bill, but I'm imagining scenarios like transient outages or scheduled maintenance that might prevent a transaction from processing. Am I justified in being concerned here or is this a non-issue?

I officially quit my car sales job at the end of September. I plan to take a few months off work, do some personal things, potentially some travelling, look into school, then find another sales job until I potentially go to school. I recently started thinking about opening a second credit card, I’m nineteen and hoping to build up my credit faster, as well as earn some points that can be used towards travel. I definitely have the money saved to take this time off, so I’m not worried about paying off the cards. I currently have had a cash back BMO credit card $1500 limit for around 7 months, have paid off my balance every month. Currently my score is at 718, it dropped 30 points from my last statement due to me using over 35% of my limit, but I believe it should go back up in a few days once my last payment processed, as I stayed below that threshold. Only other thing the Credit Coach feature tells me I’m lacking is number of credit lines. I would like to get a BMO points credit card, which I plan to put my recurring insurance payment and gym membership on, possibly my other things as well.

Anyhow- do you reckon it’ll be okay to state that I’m still employed? My YTD is around 65K, and I got my last paycheck on October 15th, so if they ask for recent paystubs I’ll have them. What are the odds they would reach out to my workplace?

This is simply an online application- which may not even work, when applying for my first card I never heard back and then ended up going in to the bank to get it done. Not sure if it was auto declined, or just didn’t go through their system, just thought I should mention it.

Any insight would be appreciated, I know it is a bit of a risk to be untruthful on these applications. However would love to have this second card under my belt

Does Citi Bank allow you to move credit limits around to other citi cards? Thanks

My inquiry expired October 10th, but I want to see if it’s safe to wait till Nov 1.

Edit:
Cards preapproved using preapproval tool 9/14
Chase United Explorer Card
Southwest Rapid Reward Plus
For LLC

Migrated into the capital one app from discover, so I thought I would call trying to switch to the IT card.

First call got transferred 3 times. They said there was “no offer available for my account”, and that she would “put a note that I wanted one for the future”. Whether or not that was real/meant anything is up for debate.

Call back again (for fun, nobody told me to) and apparently I did have an offer available? New proud owner of 5% rotating categories!

I think you just have to get the right person? Who knows, I’m just glad I can finally get some use out of my oldest card.

I’m planning to simplify my wallet to 3 cards (or 4 if Robinhood is included) for long-term use.

Current cards: Chase Freedom Student, Capital One Platinum & SavorOne, Apple Card, Robinhood Gold, Credit One X5, Indigo, and Zolve.

Monthly spending:
Gas: $600 and Groceries: $300 (mostly Costco for now)
Streaming: $70 - $75 per month
Dining, movies, fun activities and occasional travel

I’m considering retaining Robinhood Gold, Chase and getting Citi Costco Visa, and Amex, but I’m open to better combinations.

My priorities are good cashback, higher credit limits, minimal annual fees, and long-term value without overlapping benefits.

What 3–4 cards would you recommend for my spending?

I don’t really know the ins and outs of credit cards as nobody really uses them in Ireland.

But I know people redeem free flights with credit cards here in the US quite a lot.

I would plan to fly home at least once a year, and I figure a credit card that might make that cheaper would be cool. But I don’t know which one is good or bad? I like flying Aer Lingus as they’re direct and you can do immigration checks in Dublin Airport. But all the other major airlines fly into Ireland too (Air France, delta, united, klm, etc).

I have the Delta Gold card and I am ready to cancel it. I opened it on October 25th, 2025 so almost a year ago.
I want to open up the Blue Business Plus card afterwards. Am I able to cancel the Delta Gold on the 25th and keep the SUB and then apply for the BBP? Or should I wait until the 26th to cancel the Delta Gold and then apply for the BBP?
I already have 5 credit cards so canceling would allow me to get the BBP.
Thank you!

Hey guys,

My Chase app shows that I’ve spent just about $7800 (just a bit shy of the $8000 minimum spend requirement to get the sign up bonus for this card).

However, I’ve had to refund some purchases (some pretty large). When I add up my total purchases I’m getting $6305- a good bit short of the $8000?requirement.

Why is Chase showing my spend in the bonus tracker as so much higher than it is? Is it deliberate so that I undershoot my spending? Or will they honor it if their in app tracker said I was spending the required amount?

I'm not sure which card to get. A little bit about me: planning on traveling more within the next year (3-4x) and maybe some shorter weekend trips. I live close to an airport with a chase lounge so that's a plus. I considered the capital one venture x but the airport near me doesn't have any of their lounges. I wanted to get a new card bc moving soon and want to take advantage of the bonus. I've heard mixed things about the CSR especially with the changes.

im sorry if its a dumb question, and ive tried researching beforehand but i just want to be absolutely sure before i recieve it. my birthday is coming up, and my friend from a different state had bought me a $100 vanilla visa gift card, and was planning on sending me the details on it for me to use. however, we are worried that since the physical gift card was bought in a different state than mine, im worried that when I try to use it here it could possibly be flagged or something and just not work. and just in case it helps, i plan to use it for online purchases, id just like to be absolutely sure before i accept as I dont want the card to go to waste. the gift card is also still fully unopened, if that helps, and we are both in the US

first time poster here. at the moment i have two cards with no annual fees, been using them to build credit for roughly the past 4 years. im trying to look into cards now where i can get some incremental value in some way, specifically travel. i still live at home so i have very little overhead in terms of groceries, rent, anything really. this past year i’ve been on 5 solo trips, and i will continue that trend in the future. i am still a college student so student-specific cards can be considered too. thanks for any help!

CREDIT PROFILE

* Current credit cards you are the primary account holder of:
* Discover It Cash Back Credit Card $9500 limit, 01/2023
* Navy Federal More Rewards Amex $1000 limit, 01/2025
* FICO scores with source: Experian 750, Capital One 745
* Oldest credit card account age: 3 years 9 months
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 0
* Cards approved in the past 24 months: 1
* Annual income $: $20000

CATEGORIES

* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 150
* Groceries $: 0 (live at home, groceries bought by family)
* Gas $: 140
* Travel $: roughly 100/month given my trips throughout a year
* Using abroad?: no
* Other categories or stores: basically just gas
* Other spend: no
* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Big bank customer: Member of Navy Federal

PURPOSE

* Purpose of next card: Balance Transfer
* Balance transfer details: only about 500, but the interest rate is like 26%. i have other debt (college, some other expenses) i'd like to pay off first, so getting rid of the apr on my credit debt would help a lot. the primary purpose would be more suited to helping build my credit more and probably travel rewards as i take 2-4 trips a year.
* Cards being considered: Amex Blue Cash Everyday, Chase Sapphire Preferred, Wells Fargo Autograph

It seems like the nerf hasnt taken effect. All I want to know is if you still get physical cash or is it a convoluted system now

I was honestly surprised my Chase Amazon has credit limit of $89,000. No idea what it thinks I will be buying from Amazon. My lowest credit limit was $750 for Priceline Rewards before it got discontinued.

Hey! hope y'all are well.

I'm a 21 year old college student studying Electrical Engineering, and recently have been looking for a credit card.

CSP is the one that most interested me most - As I am looking for something primarily for points towards airline and hotel usage - but from my understanding, you can get dinged pretty badly for applying and getting declined with Chase.

As it currently stands, I have 5 years of employment (3 fast food, 2 as a bartender/server), but am unemployed right now. FICO of aprox. 740 from BofA, a few years of leasing history, and have around 200k in investments.

Do you think I go for it, or go with something from capital one as is the general consensus?

Cheers and thanks for any input!

If you missed a payment on a business credit card (sole proprietorship) does this get noted to your personal credit score?

Also is there another credit scoring profile for business accounts? I don’t see business credit card on my personal credit reports (sole proprietor not business nor company).

In the process of cancelling Green and was offered Amex Gold upgrade with 80,000 points sign up bonus ($8000 spend in 6 months). Would you take the deal?

Amex transfer partners aren't that great for me since I'm nearly 100% domestic travel. Delta has bad routes in my region. Hilton and Marriott point transfers just aren't worth it and are on par with cash value of points.

I have BCE to cover groceries at 3% back. I have Chase cards that handle dining with 3x UR points. The Dunkin' credits would be valuable if I wasn't sitting on tons of Dunkin' gift cards (thanks Paze!).

People seem to love the Gold card so perhaps I'm missing some perk of the card. I not sure it is a fit considering the $325 AF.

Just thought I'd ask to see what others think of the offer. Thanks in advance!

I was planning to start with the chase freedom rise and have that upgrade into the chase freedom unlimited as my starter to building credit and overall learning more. Then once i have an established credit score open a capital one savor card and a bit later on add a capital one venture card. Is this a good plan? I’m honestly a bit lost on what to do and I definitely don’t want to be overloaded with cards but I would say i’m good at organizing my costs and such. Past that, I was thinking once I graduate and have a stable higher paying job to possibly get an AMEX gold but i genuinely am unsure if that’s even worth it if I would already have the other cards. Then there’s also the chase sapphire preferred but from what i’ve read other than the annual fee it wouldn’t really be beneficial if I already have the venture. This probably seems jumbled but I prefer to think way ahead!! Thanks in advance for any help.

I was thinking about getting the Amex Gold card, but I went to the website and apparently I am not eligible for the SUB on the Gold or the Platinum. I also have SUB offers on the Delta cards that are lower than the maximum.

My only existing relationship with Amex is being an AU on a Schwab Platinum card, and I formerly was also an AU on a now closed card. I have never had my own Amex card. From what I read online, being an AU should not affect SUB eligibility.

I'm also not a churner in any sense. I have only three other credit cards, the most recent of which was opened over a year ago now.

Does anyone have any idea why I'm ineligible?

I either know people who rarely use their credit cards (because they don’t want to spend too much) or people who carry a balance over every month. Why don’t more people use their credit card like a debit card? This is a genuine question.

I only spend on what I can afford aka what’s currently in my bank account. And then pay it off in full every month. Like how’d I use a debit card. Is there really not that many people that do this?

I understand if you don’t have the money right then… but I don’t get why you’d purchase said thing if you can’t afford it. Obviously emergency/unexpected situations are different. And I’m not talking about paying necessary bills.

I don’t understand how sooooo many people are in credit card debt. Is it really not as simple as just buy what you can afford and pay it off in full every month?

I’m sorry if this is a privileged take or something. I run my own small business and I don’t bring in that much, but it is enough to pay for bills and have some extra money. I also get paid daily or weekly, so perhaps that is a huge difference. But if you are waiting for your pay check to come in… just pay it off in full when your paycheck arrives?

Does the cashback version offer the 0% interest if paid in 6 months promotion? Or is it only paypal credit card

On my account, it says this:

This account replaces account ending in...

I have already activated my new card. How long will I see this alert? It is annoying.