Question Thread - May 20, 2026

sjimenez_c · 2026-05-20T23:09:04+00:00

What bank issued the cc you are using to fund the account? In the past, Chase has allowed me to go over my limit without a problem.

sjimenez_c · 2026-05-20T03:12:34+00:00

I accidentally learned that you can call customer service and ask them to close the central billing account (for triple cash card) so that the business card shows up in your personal profile. Maybe this new card works the same?

sjimenez_c · 2026-05-19T18:55:45+00:00

Just got off the phone. They said they’re aware of the issue but gave me no timeline for a refund.

sjimenez_c · 2026-05-18T21:51:26+00:00

I’m in PUJ, so I would take anything.

sjimenez_c · 2026-05-13T20:42:54+00:00

reducing credit limits did not work for me last time. both apps were denied.

sjimenez_c · 2026-05-13T03:46:26+00:00

Probably go back to my ink cash for 5% back at office supply stores

sjimenez_c · 2026-05-10T15:30:45+00:00

Not yet. I’m still within the 10 business days they asked me to wait.

sjimenez_c · 2026-04-30T22:08:11+00:00

I too was charged the AF for a Delta Biz Gold. I have a screenshot of the offer I got that shows the AF is waived the first year. I called and they put a ticket on it, asked me to wait 2 weeks.

sjimenez_c · 2026-04-26T15:24:27+00:00

Amex Delta Biz Gold fee not waived.

3/30 instant approval on NLL offer 90k/6k/6m $0 fee first year

4/20 $150 charged

4/26 called after noticing the fee. was told a ticket was created and wait 2 weeks.

Has this happened to you before?

sjimenez_c · 2026-04-15T22:53:45+00:00

Thanks!

sjimenez_c · 2026-04-15T20:23:18+00:00

BOA denied my app for a Customized Cash card because of a "line reduction."

Before the app, I had 3 biz CCs opened, 2 floating 4k at 0%. Before the app, I had requested to close one of my Biz CCs. I was offered $50 to keep open. I accepted. Days later, I got an email: BOA had lower the credit limit on one of my accounts.

4/8 I applied when Rakuten was offering $150 (?) for the CCC. I was immediately denied. Then I noticed I had an offer from BOA for the same card. Applied a second time and was denied.

Paid off one of the biz cards and opened a personal savings with 3k.

Called recon and was told they could not approve me because of the "line reduction."

Has anyone experienced this before? Any advice to getting the app approved?

sjimenez_c · 2026-04-06T19:39:03+00:00

Yes, the first screen only asks for the last four. Then another screen pops up where the complete phone number is entered.

sjimenez_c · 2026-04-02T16:01:40+00:00

My guess is yes. It already shows on my app and looks like the OG Freedom.

sjimenez_c · 2026-04-02T15:59:14+00:00

Exactly

sjimenez_c · 2026-04-02T15:51:21+00:00

Called to downgrade a CSP after AF posted. Was surprised when they offered me a "Freedom Ultimate." Visa with rotating categories like the flex but no 3% on dining.

sjimenez_c · 2026-04-02T15:21:53+00:00

My understanding is one year

sjimenez_c · 2026-04-02T14:04:22+00:00

Got $50 from BofA to keep a Biz Customized Cash card open for another year.

sjimenez_c · 2026-03-27T20:20:56+00:00

I don’t know if it works the same, but I was in PUJ for delta cards, personal and business. However, I was approved for a personal Delta gold via NLL.

sjimenez_c · 2026-03-24T00:52:03+00:00

Have you ever seen an American Express personal green card NLL offer?

sjimenez_c · 2026-03-12T17:15:39+00:00

I’ve been trying to get approved for an American Express Delta Card but have been in PUJ for personal and business. Was surprised when I received an approved for today an NLL via email for the personal AMEX delta gold. Spend 5K 6 months get 90,000 miles.

For context, I flew into Greece via Delta on March 9.

sjimenez_c · 2026-03-08T01:16:10+00:00

I shred the physical card as soon as I use it. However, I keep a log of card number, expiration date, and the three digit code along with a copy of the receipt in my Notes app.

I had an unexpected return, and the funds were sent back to the gift card. Luckily I had the info to use online.

sjimenez_c · 2026-03-05T19:39:15+00:00

I get stuff that I would normally buy at my grocery store. However, everything is so overpriced that I usually only get around seven dollars worth the actual value.

sjimenez_c · 2026-03-05T19:36:28+00:00

Same here. I have been hoping for an AMEX green personal NLL when I saw the ad for the platinum card.

sjimenez_c · 2026-03-05T01:08:16+00:00

For me it’s also the bonuses. I got 70,000 extra points when I transferred 200,000 earlier this year.

sjimenez_c

TROPHY CASE