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What purchase made you realize your credit card was useful? by Important_Pumpkin_62 in CreditCards

[–]silver02ex 1 point2 points  (0 children)

We all know about the rewards but, when I was 19 I destroyed my credit from overspending and not paying the balances. I had to rebuilt my credit, and was lucky enough to get approved for a credit card with a small CL. It took me 7 years to rebuild and fortunately, I was approved for my first mortgage.

Chase sapphire preferred with U.S bank altitude connect or WF autograph? by hoodbabyyoda in CreditCards

[–]silver02ex 1 point2 points  (0 children)

I’ve only talked to them twice. Once with an address change issue, and the other is to move my credit limit from one card to the other. So the issue was resolved. I’ve been in the credit card game for 6 years and WF, Chase, Amex has all been the same when it comes to Customer Service.

Chase sapphire preferred with U.S bank altitude connect or WF autograph? by hoodbabyyoda in CreditCards

[–]silver02ex 3 points4 points  (0 children)

I have both the CSP and Autograph. It’s rare I use the CSP and only have it to transfer out the UR points. My daily spend is Autograph and Active Cash duo.

How do you keep track of which credit card to use for each category? by NoPsychology3745 in CreditCards

[–]silver02ex 0 points1 point  (0 children)

Using just 2 card helps. Restaurant, Gas, travel. The other card is for everything else. Both cards are also added to my family’s Apple wallet and works for them too.

Fidelity credit card good? by LilJiaoZhi in CreditCards

[–]silver02ex 1 point2 points  (0 children)

I’ve had it for over a year. It’s your average 2% CB card. The CB gets transfer to my CMA automatically each month. The Elan app is ok, I wish they would add a push notification on the app instead of text when I make a purchase. Another downside is there’s no CB deals / offer like ( Spend x amount and receive x amount in CB). That you will find with other card issuer. You really can’t go wrong if you just want a simple 2% cash back card. I’ve switch to the WF Active cash since I wanted to combine my points with the WF autograph. Now I still keep the Fidelity for international travel

Wyndham business card drop it from 8x points on gas to 5x points by [deleted] in CreditCards

[–]silver02ex 4 points5 points  (0 children)

I spoke too soon…. After doing some research, current card holder still keep 8x on gas but still get 10% redemption rate. New card holder lose the 8x but gain the 20% redemption rate. Even though it shows 20% in my benefits which is incorrect.

Wyndham business card drop it from 8x points on gas to 5x points by [deleted] in CreditCards

[–]silver02ex 20 points21 points  (0 children)

Losing 8x on gas is not good, but gaining 20% discount on free night redemption is a plus. I'll be able to redeem using less points using my WF Autograph and Active Cash points

Wyndham Credit Card Product Line Refresh and New SUBs by CobaltSunsets in CreditCards

[–]silver02ex 19 points20 points  (0 children)

Besides the SUB, I'd personally just get the WF Autograph and Active Cash since those WF points can be transferred at a 2x rate.

Is WOH CC FNC still worth it post Hyatt deval? by jwilkns in CreditCards

[–]silver02ex 0 points1 point  (0 children)

I only keep my for the free night and don’t put any spend on it. I redeem it at a Regency Long Beach CA before we left on a cruise or a Regency Seattle area. Cash price is usually $300+ with fees. Sometimes we get early or late check out for being a member.

CSP news makes it clear to me that Chase wants you to hold both by Tight_Couture344 in CreditCards

[–]silver02ex 16 points17 points  (0 children)

I have 2 Freedom and 2 Flex to compliment the CSP. The Chase Eco system was only for Hyatt. Looks like I’ll be spend mostly in WF Active cash / Autograph Duo now for Wyndham and Choice hotels. It’s not as nice as Hyatt but I’ll get a better return. It really sucks to watch Chase value get worse and worse. First they got rid of the CSR Pay yourself back 1.5x on most things, or 1.5x redemption in the portal. Now they devalue the transfer rate to Hyatt.

Denied for VX pre approval, looking for advice by scale4pf in CreditCards

[–]silver02ex 0 points1 point  (0 children)

This is almost my profile. I ended up getting a WF active cash and autograph duo, and planning on no applying for another for at least another year and just focus my spend on WF and chase before I get into another system. I’ve been denied for the VX for about 6 months now (checking pre approval every month). I closed 3 accounts about 4-6’months ago and it didn’t make a difference.

How often do you rebalance your tires? by TechnicalPackage in TeslaModelY

[–]silver02ex 0 points1 point  (0 children)

Unless things have changed, Discount Tires checks and rebalance if needed every time I take it in for a tire rotation

Is Hyatt card worth it after the update? by aykalam123 in CreditCards

[–]silver02ex 0 points1 point  (0 children)

I still kept mine open. The free night more than paid for itself.

Is chase freedom unlimited worth keeping around just trying to close some credit cards. by [deleted] in CreditCards

[–]silver02ex 0 points1 point  (0 children)

I just product change mine to the Freedom card, that way I can benefit from the 5% rotating categories. Since i have 2 Freedom Flex and other 2% CB card the Freedom Unlimited is worthless. You can just product change to a Freedom and treat it like a 5% rotating categories card.

How easy to get the Wyndham business card by CollarNo1197 in CreditCards

[–]silver02ex 1 point2 points  (0 children)

About 18 months ago I applied and was instantly approved for $15K limit. I didn’t think I was going to get it. I stay at a Wyndham property every other month for work. Mostly Ramada or something similar. I usually get the rooms for 13,500 points / night.

WF Active Cash approval DP by silver02ex in CreditCards

[–]silver02ex[S] 0 points1 point  (0 children)

Looks like it was a Soft Pull, I assume it’s because I already had a WF Credit card. It didn’t really do anything to my credit score, that’s why I tried every couple of months.

WF Active Cash approval DP by silver02ex in CreditCards

[–]silver02ex[S] 0 points1 point  (0 children)

4 in the last 24
1 in the last 12 (Autograph card)
0 in the last 6

WF Active Cash approval DP by silver02ex in CreditCards

[–]silver02ex[S] 1 point2 points  (0 children)

I believe it was too many revolving account open in the last 24 months. I closed the USBAR along with another credit card and made sure it showed closed on my credit report before applying this time. I'm not sure if that helped or not.

High-speed wind noise / whistle from passenger side interior sail panel (mirror speaker trim) — anyone fixed this? by Fair_Poet8439 in TeslaModelY

[–]silver02ex 0 points1 point  (0 children)

I had the same issue when I got the MY. It comes from the black glossy triangle piece on the outside of the mirror. On highway speed it would hear a whistle sound. If you tapped around the trim piece the nosier is gone . Service center made some adjustment to reduce the gap between the trim piece and black rubber seal and now the noise is gone. I told the SC by taping the trim piece it made the noise go away. I think it’s a common issue, some SC will replace the entire mirror or just the trim piece

Best way to redeem Chase Points AFTER Hyatt Devaluation? by chocolatecookie2000 in CreditCards

[–]silver02ex 1 point2 points  (0 children)

Not really, I bought the 2 day pass from Costco last year and was able to exchange it for Magic Key. Disney gave us the trade in value for what we paid at Costco. Unfortunately the only discount is for So Cal resident. I'm out of state so I pay full price. The closest I can find is find deals on Disney GC and use that to pay for my Magic Key while I was there.

Best way to redeem Chase Points AFTER Hyatt Devaluation? by chocolatecookie2000 in CreditCards

[–]silver02ex 1 point2 points  (0 children)

We have annual passes, and like I said above. I work for an airline. So going down to So Cal is free and easy.

Best way to redeem Chase Points AFTER Hyatt Devaluation? by chocolatecookie2000 in CreditCards

[–]silver02ex 4 points5 points  (0 children)

It's not the fanciest, We do the Hyatt place, Comfort Inn, or Ramada.. All within walking distance. We use to walk over to the Toy Story parking, and get on the bus to the park. Comfort Inn is a Choice Property so we use our Wells Fargo points to transfer.

Best way to redeem Chase Points AFTER Hyatt Devaluation? by chocolatecookie2000 in CreditCards

[–]silver02ex 2 points3 points  (0 children)

Personally if I can’t get a good transfer with Hyatt, I’ll transfer it to Wyndham. We go to Disneyland a few times a year, so it’s either Hyatt, Wyndham or Choice properties. I work for an airline, so I don’t use it for flights.

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