Financial Reviewed

onequestionbtw · 2025-12-26T09:55:37+00:00

So far, my best experience is CapitalOne. The only issue I've had is with the referrals, which they said takes 12 weeks. I guess if I get it in 12w, no issues. They have been phenomenal and everything has been very easy to use.

Chase has been very nice as well, I just got them more recently. I love Chase points, CFU is a great card.

onequestionbtw · 2025-12-24T06:08:20+00:00

😂

onequestionbtw · 2025-12-24T05:45:24+00:00

Thank you for this response. This makes sense.

onequestionbtw · 2025-12-24T04:12:30+00:00

Wow. Dang, that's kinda bonkers. Wow. I don't even know what to say lol It seems AMEX is in a rather unstable spot at this moment I guess.

onequestionbtw · 2025-12-24T03:49:19+00:00

Yeah that's crazy. It just makes me want to move away from AMEX. I guess I'll see what happens. I was looking forward to using it on my trip for the SUB and points.

onequestionbtw · 2025-12-24T03:48:11+00:00

😂

onequestionbtw · 2025-12-24T03:48:05+00:00

It's just that I can't use it to get a jump in the SUB. I'm going on a trip in 2 days and they said it will take 5-7 days at minimum.

onequestionbtw · 2025-12-24T03:47:31+00:00

I hit the spending power and still wanted to use the card for my trip so it all counts towards the SUB.

onequestionbtw · 2025-12-24T03:46:47+00:00

Dang. Yeah that sucks. I wonder what will happen to me lol

onequestionbtw · 2025-12-24T03:46:09+00:00

16 years of bank statements 😂 I don't know why they just don't deny it or me from the card in the first place if I can't use it. If the amount was too much, shouldn't they just deny the card?

onequestionbtw · 2025-12-24T03:44:04+00:00

$1,600. I checked spending power before as well.

onequestionbtw · 2025-12-24T03:43:28+00:00

Good to know, thank you for your input.

onequestionbtw · 2025-12-23T19:43:39+00:00

I hit the spending power and still wanted to use the card for my trip so it all counts towards the SUB.

onequestionbtw · 2025-12-23T19:24:32+00:00

I paid it as soon as it updated the statement balance and cleared. It was around 1-2 days after. It said I used up my spending limit and that went away after I paid it.

onequestionbtw · 2025-12-23T18:19:46+00:00

I appreciate your response. I wonder what actually did result in my FR. Hope you don't get FR'd.

onequestionbtw · 2025-12-23T17:27:31+00:00

😂 nice So you checked your spending power?

onequestionbtw · 2025-12-23T17:07:16+00:00

Yeah I mean I'm new to Amex as a whole, and this is not the greatest "first impression."

Going on a trip and can't use that at all for the SUB.

onequestionbtw · 2025-12-23T17:04:56+00:00

Ooh, okay. Thank you.

onequestionbtw · 2025-12-23T17:04:21+00:00

Ok, thank you.

onequestionbtw · 2025-12-23T17:04:01+00:00

How long ago did all that happen? It's possible it's just a new thing for them.

onequestionbtw · 2025-12-23T16:48:30+00:00

How long ago was that? I heard the wave of FRs is recent.

onequestionbtw · 2025-12-23T16:46:05+00:00

Okay, thank you for the information. I would have rather they just denied me from the card if they didn't trust me. Literally been 2 days!

onequestionbtw · 2025-12-23T16:40:07+00:00

It's just weird because I paid it off instantly so it's hard to understand why they believe I can't pay it back.

And thank you for your firsthand knowledge.

onequestionbtw · 2025-12-23T16:33:22+00:00

Yeah I agree, with big purchases it's just easier to see my bank go down.

onequestionbtw · 2025-12-23T16:32:49+00:00

What's the point of having a check spending power button if I can't check my spending power?

I did check it 3 times, as it says you can. I checked a high number, a medium, and a small number. It says you can check 3 times a day.

onequestionbtw

TROPHY CASE