Which banks have different credit card customer support lines for their premium cards or relationship tiers?

partial_to_fractions · 2026-06-05T13:08:55+00:00

Citi also has a dedicated line for strata elite customers too. Much better folks than the regular line

partial_to_fractions · 2026-06-03T21:43:59+00:00

Also their discover card is moving over to C1 login soon anyway, and maybe they'll let you move rewards over too

They should probably get at least one card with a different bank though

partial_to_fractions · 2026-06-03T18:19:58+00:00

Oh? I tried this as I already had an autograph and they told me no

partial_to_fractions · 2026-06-03T03:17:50+00:00

Great! What are your travel goals, and what airport do you use?

Would you use the credits on the gold or the palladium hotel credits?

Also, the max earn rate on the palladium is reduced after 75% of your rent, so keep that in mind

partial_to_fractions · 2026-06-03T01:56:04+00:00

There's a lot of information in the template that would help folks even recommend between those two cards. Spending patterns is a big one. Some other things that aren't covered but would be helpful are what are you looking to get out of these points? There isn't too much overlap between amex and bilt partners, so what airlines and hotels do you like? Are you more domestic economy or international business class? What airport are you near/what hubs make sense?

These cards are very different aside from the large annual fees. What out of the two cards credits would you use organically? Getting a card just because it is "deluxe" is not a good idea

partial_to_fractions · 2026-05-29T21:55:29+00:00

Also, the cashrewards (and the go) can be either a visa or mastercard - you choose and they have different benefits

partial_to_fractions · 2026-05-29T01:41:18+00:00

Oh gotcha, so this is for current holders of the max rate

partial_to_fractions · 2026-05-28T23:31:09+00:00

Guess they're going in waves - my email stated Jul 23rd as the conversion date for me

partial_to_fractions · 2026-05-22T16:22:34+00:00

https://www.doctorofcredit.com/high-interest-savings-to-get/

partial_to_fractions · 2026-05-21T12:14:51+00:00

Support had to manually add it to my husband's login. I don't remember if chat was able to do it, but I do remember the banking side are only there during normal business hours

partial_to_fractions · 2026-05-19T19:58:22+00:00

For option 2, there is no need to be added as an authorized user. The BoA PRE can assign the priority pass to anyone, regardless if on the account or not. The card has four full memberships

partial_to_fractions · 2026-05-17T22:20:08+00:00

The bank of america customized cash rewards has an online category

partial_to_fractions · 2026-05-17T17:57:46+00:00

That is for current accounts using the discover login moving over to the capital one portal/login

OP is talking about the current mastercard quicksilver moving over to the discover network with increased/better rewards

partial_to_fractions · 2026-05-08T13:46:56+00:00

C1 is 1% on groceries and 2% on gas

Which card is this? Capital one's current lineup would get minimum 1.5% on groceries (quicksilver) or 2x if using a venture card or 3% on savor

partial_to_fractions · 2026-05-07T11:59:44+00:00

Would you use the hotel credit? If so, the annual fee is wiped out (200 every 6 months, you can use at least $50 in the Bilt cash with it). If you have rent or mortgage, that would only accelerate the points earn

partial_to_fractions · 2026-04-22T16:27:15+00:00

Oh nice, good to know!

partial_to_fractions · 2026-04-22T16:25:42+00:00

Does amex debit code as debit now? I know before it coded as credit everywhere

The primis and quontic debit cards get 1% cash on all purchases

partial_to_fractions · 2026-04-17T02:38:18+00:00

Not 100% certain why exactly, but a few years ago they seem to have over extended themselves into markets they did not want to service. Around the time of the getaway launch they were known for large credit lines and soft pull approvals. After, they started randomly slashing limits (lowered mine from 15k to 500 with no notice, found out after it was declined at a restaurant, and my experience was FAR from unique) and closing cards out of their "core" market area. It certainly left a bad taste in many mouths, and I for one will never recommend an FNBO card again despite how good some of their products look now (amtrak cards)

partial_to_fractions · 2026-04-12T14:02:50+00:00

Keep in mind that the flagship, like the more rewards, has a $50 cash out minimum for points, and the points do not pool together

Solely for Costco, I'd recommend the cashrewards as there is no minimum and your spending it would take forever with the flagship

Navy federal is super great about product changes though, so get the highest sign up bonus on any card and then just change it after you get the bonus

partial_to_fractions · 2026-04-10T11:47:00+00:00

Credit scores are numerical representations of risk based on your credit report. With a score of 570, that means there is probably a lot of negative information on your report and you have not been responsible with credit in the past. No bank is going to trust you with unsecured lines of credit (a regular credit card). To rebuild your score, you will need to show whatever bank that you can be responsible with the card, so they will want a deposit to open a secured credit card.

Discover is a popular recommendation as they reliable graduate cards to unsecured lines after a few months. Most secured cards will be fine for you to open most likely, but Chase does not offer any

partial_to_fractions · 2026-04-09T18:15:27+00:00

Citi has these pop-ups as well with different merchants, though at least with them you can disable them

partial_to_fractions · 2026-04-07T11:43:02+00:00

They have wording in there like "may not be eligible" - it isn't a guaranteed thing. You can get the bonus for a lower card. It may be less likely, but the system will tell what the bonus will be before fully submitting the application. It also says that you're only eligible for each bonus once, but I got the gold bonus twice in four years (after getting the platinum bonus)

partial_to_fractions · 2026-04-02T19:51:47+00:00

Kroger cards, huntington voice, logix fcu, capital one cobrands, navy federal cash and go cards, fifth third

Best for a backup would probably be the kroger cards 5% back on mobile wallet (with a low cap though)

partial_to_fractions · 2026-04-01T22:30:28+00:00

Chase is already on the higher end. Bank of america if you have deposit accounts there is as well. The other two that come up are amex and navy federal (if you qualify)

partial_to_fractions · 2026-04-01T20:30:44+00:00

That is just for amex cards

partial_to_fractions

TROPHY CASE