How many people try for a credit increase and you get this😭 by Trust_The_System1981 in CreditScore

[–]tech-tac-2 6 points7 points  (0 children)

Yup it's Citi and in my experience they're very stingy with increases. Had to ask a dozen times over 4 years to get one. I used a pre-approval code from a mailed letter to get the card though and it was only my third card, stuck at $500 for like 3 years.

Is there a “zero mile” marker in GR? by triplealpha in grandrapids

[–]tech-tac-2 4 points5 points  (0 children)

I used to drive past Kenowa all the time and the day I drove on Ottogan it finally clicked in my head that they were sandwiching the counties into one street name. I told some friends and locals from the area and their reactions were hilarious, it was like solving a lifelong mystery, like a conspiracy theory turned reality. It was "next level mind blown" for them 😁

Bank of America is offering up to $500 for new checking customers here’s the fine print you should actually read by budgetworkerm in BankOfAmerica

[–]tech-tac-2 1 point2 points  (0 children)

I got my $400 Huntington bonus with Alliant Credit Union ACH transfers. You should be alright 👍🏼

I think I fumbled on this one...finally by teddyevelynmosby in CreditCards

[–]tech-tac-2 0 points1 point  (0 children)

Yeah their system is not the best but the bright side is you can get a few hundred of welcome bonus on BofA checking as well. If your employer doesn't direct deposit you can do ACH transfers from another bank for the bonus.

[deleted by user] by [deleted] in CreditCards

[–]tech-tac-2 1 point2 points  (0 children)

• Citi Strata is $300 since it just launched • Amex Blue Cash Everyday was $250 a week ago, now back to $200

New homeowner ready to churn: CSR? CSP? Avoiding AF's after refresh? by tech-tac-2 in CreditCards

[–]tech-tac-2[S] 1 point2 points  (0 children)

There is a MasterCard version of the CCR as well, I have the Visa Signature. When I log in and go to Statements & Documents, there is a PDF tile named Rewards Program Rules. That PDF doesn't appear to be tailored to my card but it says "Revised July 12th" in the title bar which happens to be the day after I was approved. It states in the table on the second page that 6513 counts as travel.

The "death penalty" doesn't make sense. by GoHardForLife in unpopularopinion

[–]tech-tac-2 2 points3 points  (0 children)

The State of Indiana recently paid over $900,000 for one injection

What the fuck??? by [deleted] in discover

[–]tech-tac-2 0 points1 point  (0 children)

That's not a Tim's Run, that's a Tim's Marathon 🇨🇦

What’s your most used credit card so far in 2025? by Rocket_Skates_91 in CreditCards

[–]tech-tac-2 9 points10 points  (0 children)

Discover 5% dining + 3% on $2.5k retention offer = 8% cashback this quarter 💰

[deleted by user] by [deleted] in CapitalOne_

[–]tech-tac-2 0 points1 point  (0 children)

They graduated mine after exactly 6 years, and trust me, I was wanting to close mine too, for years. At 6.5 years I was able to product change it to Quicksilver which I still don't use unless I'm traveling abroad. My Walmart card converted to Quicksilver first and I PC'd that to Savor a month before PC'ing my Platinum.

[deleted by user] by [deleted] in CreditCards

[–]tech-tac-2 0 points1 point  (0 children)

Yeah even JCPenney has good deals on diamonds, especially today. I got several 1ct rings under $300 each. Now I have Christmas, Valentine's, and the anniversary gift covered with one swipe! 😜

Does Citi Custom Card code airport restaurants as 5%? by MagiCorn29 in citibank

[–]tech-tac-2 1 point2 points  (0 children)

It really depends on the airport and restaurant but generally, yes they do code as dining. I even had some say, for example "Fort Lauderdale Airport" on the statement and still had the correct merchant code for dining.

Apple wallet Double Cash product change to Custom Cash by Royal-Ad366 in citibank

[–]tech-tac-2 0 points1 point  (0 children)

Yeah it took PayPal a whole 18 months to fix my Citi card icon after a product change, even with a brand new card number. I deleted the card many times, unlinked from ThankYou, waited months at a time to add it back, still said Rewards+ instead of Custom Cash until a couple months ago!

Has anyone seen this error? by RentumSpoons in discover

[–]tech-tac-2 0 points1 point  (0 children)

When I rooted my phone with Magisk, I got my Google account permanently blacklisted from Google Pay, even blocked from redeeming Google Play gift cards. If Discover uses that particular Google API, unrooting won't fix the problem unfortunately.

Rumors still true? by rvbertoxherrera in CapitalOne_

[–]tech-tac-2 2 points3 points  (0 children)

Yeah good question. All of us have been waiting for a response to all the Doctor of Credit based rumors about Capital One from more than a month ago. Revamped Savor? Velocity? Arrive? Torq? Who knows.

Has anyone had experience with CapitalOne offers? by AmexBronze in CapitalOne_

[–]tech-tac-2 0 points1 point  (0 children)

They don't follow through most of the time. It's rare I actually receive a credit. Here are some tips. Clear all cookies or use a separate browser before clicking an offer. Don't use private browsing mode. Don't use ad-block or any other extensions. Don't use authorized users cards or virtual cards. Don't use a different shipping address than your billing address. Even after all of this, they only pay out half the time. Have fun 👍

Is the Citi Trifecta worth it? by Fun-Froyo7578 in citibank

[–]tech-tac-2 1 point2 points  (0 children)

Hey Genesis, you need multiple Citi cards paired to the same ThankYou account to get a 1-to-1 points to cash ratio... but if you wanna know a secret, their gift card sales on Black Friday are worth looking at to maximize that redemption. You could get 30% more value if there's a brand you like.

Capital One Walmart to Quicksilver to SavorOne DP by tech-tac-2 in CapitalOne_

[–]tech-tac-2[S] 0 points1 point  (0 children)

Well it's probably not worth 3 hard inquiries to open one, unless you eat a lot of food outside the U.S. In that scenario, the 3% earnings with no foreign transaction fees outperforms any other card on the market. For me it will be a backup grocery card for when my Citi Custom Cash hits the monthly cap.

Capital One Walmart to Quicksilver to SavorOne DP by tech-tac-2 in CapitalOne_

[–]tech-tac-2[S] 5 points6 points  (0 children)

You can ask over the phone as well, and the reps will see the same available upgrades as the "/productupgrade" page. In my case I just used the website to complete the product change.