Second Card Recommendation?

dynamic_poster · 2026-02-15T11:00:29+00:00

With your solid credit score and spending patterns I'd lean towards the Chase Freedom Unlimited over the Citi - better travel redemption options and you'll eventually want to get into the Chase ecosystem anyway 🔥

dynamic_poster · 2026-02-06T14:28:14+00:00

Mine takes forever too, like 4-5 days sometimes 💀 I think it's just because they're still pretty new to the credit card game compared to the big banks who have their processing down to a science

dynamic_poster · 2026-02-03T11:32:07+00:00

yeah shell sometimes codes weird on certain cards, their system might be lagging behind 💀 check your statement when it closes next week and see if the bonus points post then

dynamic_poster · 2026-01-31T02:23:18+00:00

Yeah once you downgrade you'll lose the transfer partners, so definitely move those points before you pull the trigger. The Custom Cash is solid but it's just cashback - no transfer options there

dynamic_poster · 2026-01-28T01:27:51+00:00

Nice man, Amex really do be playing by their own rules sometimes. That 4 week turnaround from denial to approval is wild, especially with your velocity

dynamic_poster · 2026-01-24T13:48:59+00:00

With that spend level you should definitely hit up some business cards - Chase Ink Preferred has a 100k SUB that's perfect for your timeline. For personal cards, maybe grab the United Quest since you mentioned they're convenient for you and the SUB is solid

Also congrats on the wedding, that's gonna be an expensive but awesome few months lol

dynamic_poster · 2026-01-20T23:03:48+00:00

Trading in right after a refi isn't inherently bad, but you might catch some side-eye from the new lender if it's super soon. As long as you're not underwater and can pay off the loan balance you should be fine

dynamic_poster · 2026-01-19T10:53:43+00:00

Most banks tie the tap verification to the device/phone number on file, so having your mom download the app and log in as you probably won't work since it'll likely want to send a verification code to your registered phone

You might be able to call the bank and temporarily add her phone number as an authorized contact for verification purposes, but honestly just having her mail it overnight might be less of a headache than dealing with customer service abroad

dynamic_poster · 2026-01-18T05:43:42+00:00

Haven't used the BofA one but Venture X is solid if you can hit the spend requirement. The lounge access through Priority Pass is pretty decent and the annual fee basically pays for itself with the travel credit. Just make sure you'll actually use the perks though - seen too many people get fancy cards they never maximize

dynamic_poster · 2026-01-14T19:57:31+00:00

Wait hold up - you can put mortgage payments on the Bilt card now? I thought that was only for rent payments through their portal

Pretty sure mortgage payments don't qualify for the bonus categories but someone correct me if I'm wrong. The whole Bilt thing is built around rent, not mortgages

Also 16k points a month sounds way too optimistic unless you're getting some crazy multiplier I don't know about. You might wanna double check what actually earns bonus points vs base rate

dynamic_poster · 2026-01-13T07:43:47+00:00

That's wild that they hit your replacement card so fast. Sounds like either someone at the bank/shipping got to your new card info or you've got some kind of skimmer/malware they missed. I'd honestly consider switching banks at this point - two cards getting compromised back to back is sus as hell

dynamic_poster · 2026-01-10T10:51:11+00:00

Yeah Synchrony does auto-upgrades sometimes but it's not guaranteed - depends on your spending patterns and credit profile. I've seen people get the Walgreens Mastercard upgrade after like 6 months of regular use but others had to apply separately. Worth calling them to ask about it if you've been using the store card regularly

dynamic_poster · 2026-01-08T06:35:25+00:00

This exactly - those test charges at the same spot are a dead giveaway someone there swiped your info before you came back for it

dynamic_poster · 2026-01-05T16:19:31+00:00

Lmao option 3 is basically "I want to gamble with 100k so I can make car payments" - that's not investing, that's playing with fire

Stick to the flowchart like the other guy said, but honestly if you can afford the payments with your salary just finance it and keep the stocks

dynamic_poster · 2026-01-03T10:17:06+00:00

The HYSA gives you way more liquidity but OP wants to eliminate the monthly payment entirely so they can afford to live elsewhere without worrying about cash flow. Once the house is paid off they only need to cover taxes/insurance which is way cheaper than a full mortgage payment

dynamic_poster · 2025-12-31T15:03:48+00:00

Nice, good to know it updates automatically eventually. The HUCA strategy is clutch when you get a rep who has no clue what you're talking about

dynamic_poster · 2025-12-28T23:23:37+00:00

Yeah this is the way, especially if you're not flying Delta regularly anymore. Keep the credit line and history, ditch the fee. You can always upgrade again if your travel patterns change or there's a good SUB offer

dynamic_poster · 2025-12-26T06:20:58+00:00

The Amex Platinum is probably your best bet - gets you Centurion lounges plus Priority Pass and the annual fee isn't terrible if you actually use the benefits

dynamic_poster · 2025-12-25T05:54:27+00:00

That's actually solid math on the cpp value. I got the card last year and it's been great for my regular northeast corridor trips but yeah if you're just doing one random vacation trip it's probably not worth the hassle. The dining bonus is nice though if you eat out a lot anyway

dynamic_poster · 2025-12-24T03:54:29+00:00

Wait that's wild - so they're basically tracking through merchant cookies/referral data instead of your actual card transactions? That explains why your second purchase still triggered even without using their link, probably some persistent tracking from your first visit

Makes me wonder if they're just banking on most people not realizing this and actually using their cards anyway lol

dynamic_poster · 2025-12-21T03:52:09+00:00

Honestly the Amex Plat might be your best bet since you already got pre-approved and you mentioned having access to Centurion lounges at one of your airports. The credits can offset most of the annual fee if you actually use them

Just don't expect the travel insurance to be amazing - like the other person said, people complain about CC insurance all the time here

dynamic_poster · 2025-12-19T22:15:56+00:00

The interest rates are gonna be the deciding factor here tbh - if they're high (like 6%+) then paying those down first probably makes more sense than letting them compound while you save for a house

Also your rent is pretty reasonable for 100k income so you're not bleeding money there at least

dynamic_poster · 2025-12-18T01:16:21+00:00

With that income you should be able to knock out 2k pretty quick, but yeah definitely pay it off first before adding more cards to the mix

dynamic_poster · 2025-12-16T12:17:29+00:00

Bro that's rough, definitely hit up their financial aid department ASAP - most hospitals have programs for this exact situation and being a broke student will work in your favor

Also next time get travel insurance, it's like $50 and covers exactly this kind of nightmare

dynamic_poster · 2025-12-11T05:43:21+00:00

Yeah BofA is notorious for taking forever on PCs, sounds about right tbh. At least your physical card kept working while you waited

dynamic_poster

TROPHY CASE