I love credit cards so much! v6.0 - 2023 (see first page for add'l details)

[KPK02090]

I recently got a US Bank triple cash. My first and only US bank card. When I log in online it shows two accounts. One is Business credit card with the last 4 of my card number. The other is central bill account with a different 4 numbers. The available credit is different on the two accounts. Looks like I can only make payments on the central billing one, the transactions are the same. Can anyone explain how their system works?

 

[LilSweetPeaPhoto]

It's that time of year again, where I try to decide if I keep both the CSP and CSR. Last year I had to keep the CSR because I had my Ireland flights on it, which we did cancel. This year I booked them on the CSP. I'm debating if I want to keep the CSR for lounges. If the Cap 1"pre-approval' isn't giving me the venture X as an option, is it a safe assumption I'm not gonna score that?

Is the suggestion still to downgrade the CSR to a freedom? (Can I do a CFU? I don't have one of those). But before then, try to use the $300 credit right? Then later I could upgrade the CSP if I wanted, right? With the $20 Door Dash (we have DashMart), I'm almost considering keeping both. I normally place the 3 $10 orders and pick them all up (I get exciting things like TP or paper towels). So if they $20 credit stays, that covers the AF.

In the app, I can see it. I go to Benefits and rewards, scroll down and see Check out your benefits activity and tap on Used.


Then mid page I can see this

Mine doesn't show my annual credit. It just shows when my GE resets...I'm thinking my $300 resets next month though.

 

[DogCat]

Yes they sent me a an offer for an extra 6% back at Walmart plus the normal 1%.

After clicking on the link, I was able to buy a Walmart GC and then use it at Sam’s Club. It used to be a pain but now the scan and go app will let you use GC.

Edit: mine was also maxed out at $1K spend

Edit 2: Since DD doesn’t use it much make sure she activated the 5% at Target and Amazon. I would just buy GC there for things you would use and pay contractor with cash or eat the 3% if working on a large Minimum Spend amount

This is an old student card (her first cc) so it doesn't get the 5% categories. That card would be much more useful. Do you know if she can product change to that card?

 

[VGCgroupie]

Hopefully this is ok to post. Wanted to share I used my Amex Biz Plat $200 flight credit with Delta by paying for a flight part by GC part on my Amex. Additional details on how/why this works you can find by google. Credit took about 2 weeks to post.

 

[eticketplease]

This is an old student card (her first cc) so it doesn't get the 5% categories. That card would be much more useful. Do you know if she can product change to that card?

Sorry I'm not familiar with that.

Anyone else know if you can product change Discover Student to Discover It for @DogCat ?

 

[elgerber]

I recently got a US Bank triple cash. My first and only US bank card. When I log in online it shows two accounts. One is Business credit card with the last 4 of my card number. The other is central bill account with a different 4 numbers. The available credit is different on the two accounts. Looks like I can only make payments on the central billing one, the transactions are the same. Can anyone explain how their system works?

I have been trying to figure that out myself. I have two US Bank biz cards, and the other one is not like this.

 

[Princess Michele]

USB is inquiry sensitive. They pull Transunion for most people, which is usually not what Chase pulls. Not sure if the exact criteria is known, but DH has been approved with 1/6 inquiries with no relationship.

I guess I am the odd person. Chase specifically listed Transunion as what they pulled in my CIP denial letter.