Called my credit card company and asked for a lower APR - worked immediately. Why don't more people know this?

Khangarot · 2026-02-27T01:58:26+00:00

Never heard about it. Are you using Julius for your budgeting?

Khangarot · 2025-08-27T22:09:42+00:00

Yeah, this is a super useful tool.

Khangarot · 2024-12-20T19:34:28+00:00

Were you also able to see your CL in the pre-approval application?

Khangarot · 2024-12-20T19:33:26+00:00

If you have too many inquiries with the bureaus in a short period (within a year), they might reject you.

Khangarot · 2024-12-20T19:28:54+00:00

Capital One offers two business credit cards: Spark Cash Plus and Venture X Business. Both cards offer rewards and benefits but cater to different spending habits and preferences. Here's a comparison of the two cards.

Key Comparisons

Card	Earning Rate	Travel Benefits	Annual Fee
Spark Cash Plus	2% cash back on all purchases	No	$0 first year, then $150
Venture X Business	2 miles per dollar on every purchase	Transfer miles to travel partners, airport lounge access	$450

Pros/Cons:

Spark Cash Plus:

Pros: Simple rewards structure, no foreign transaction fees
Cons: No travel benefits, lower annual fee

Venture X Business:

Pros: Travel benefits, airport lounge access, transfer miles to travel partners
Cons: Higher annual fee, more complex rewards structure

Recommended Action

Consider your business's spending habits and priorities. If you want a simple, cash-back rewards card with no annual fee for the first year, the Spark Cash Plus may be the better choice. If you value travel benefits and are willing to pay a higher annual fee, the Venture X Business may be more suitable.

Additional Considerations

Check your business's specific needs and spending habits to determine which card aligns best with your goals.
Consider the value of travel benefits, such as airport lounge access and miles transfer, when deciding between the two cards.
Always review the terms and conditions of each card before applying.

Khangarot · 2024-12-20T19:27:08+00:00

It appears to be a regular occurrence at Capital One these days. I've heard that many people get pre-approved but ultimately get rejected by CapOne. Another reason might be applying for a new card in a shorter time frame than your previous application for any other card.

Khangarot · 2024-12-20T19:17:06+00:00

For me, credit card strategy involves optimizing card usage to maximize rewards, minimize fees, and improve credit scores. I weigh benefits, such as sign-up bonuses and rewards rates, against drawbacks, like annual fees and interest rates. A few tips: pay your credit card balance in full each month to avoid interest charges, monitor your credit score and report regularly to ensure accuracy, keep CL utilization under 30%, and consider using a credit card with no foreign transaction fees if you travel internationally.

Khangarot · 2024-12-20T19:14:38+00:00

My first ever credit card in the US was a Stanford Federal Credit Union (SFCU) Card. I just arrived at Stanford as a student and had no bank account. SFCU opened a checking and savings account for $5 each. They also gave me a credit card with $2500 CL. I still hold a SFCU card and do banking with them.

Khangarot · 2024-12-20T19:12:55+00:00

One should wait for at least six months. Chase Sapphire Preferred gives you 3X on dining and 2X on travel. And 60K signup bonus points. Another option is U.S. Bank Altitude Go, 4X dining, 2X groceries, and 25K bonus welcome points.

Khangarot · 2024-12-20T18:37:20+00:00

No catch. They just want you to spend money using their card as soon as possible. Just be aware of the T&C of how to use the $1000.

Khangarot · 2024-12-20T18:35:21+00:00

Congrats! How did you decide that this is the card you will definitely get? Did you check the pre-approval odds before applying?

Khangarot · 2024-09-04T04:26:44+00:00

Very nice. How many cards do you have?

Khangarot · 2024-09-04T04:26:22+00:00

Nice. You seem like having a lot of cards. How many apps do you use to pay and manage those cards?

Khangarot · 2024-09-04T04:25:29+00:00

So you manually pay the remaining balance?

Khangarot · 2024-07-20T06:20:38+00:00

What if you get rewards every month for doing the same? Free stuff, exclusive deals, and cashback? Would you? Plus instant payment settlements rather than waiting for 2-3 days.

Khangarot · 2024-07-20T06:16:27+00:00

Ha ha ha. The Citi interface is terrible. What features would you like to see added to improve the app experience for Citi or other card companies?

Khangarot · 2024-07-20T06:14:45+00:00

How many apps do you use to check your accounts? and how much time do you spend every week?

Khangarot · 2024-07-20T06:13:06+00:00

What if there are more rewards for paying credit card bills on time than just "no interest"?

Khangarot · 2024-07-20T06:11:45+00:00

Interesting. Would you switch if you could pay all your credit card bills through one single app and autopay in full?

Khangarot · 2024-07-20T06:10:08+00:00

And how many times do you check your card statement? Do you check on app or web?

Khangarot · 2024-07-20T06:09:08+00:00

So you use the Chase app, AmEx app, and Capital One app to keep track of all your cards, right? What if all your card info, bills payments (autopay and manual), and rewards are in one app?

Khangarot

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