If I apply for the PayPal Business Debit MasterCard that earn 1% cash back on all eligible purchases, will they do a hard pull on my credit report or only a soft pull? Goals & Dreams I originally got this question as a comment on... Read More →
Category - Questions & Answers
Can I Apply & Be Approved For A Barclays Credit Card If I Am Not A Permanent Resident?
In the comments section of my Sallie Mae Mastercard Review. I’d originally posted that you wouldn’t be approved for this card unless you were a permanent resident in the United States.  I did this because a number of people... Read More →
Which Citi Credit Cards Will Offer A Free FICO Score?
Update: This benefit is now live and it’s available to all Citi cardholders, not just those with Citi branded cards. Question: I saw your post on the fact that Citi would be offering free FICO scores to some of their cardholders... Read More →
Why Would A Card Issuer Allow You To Churn Credit Card Bonuses?
Question: I read your list of credit cards that are churnable and I don’t understand why a card issuer would let somebody get the sign up bonus repeatedly? Is there something I don’t understand? – Samantha... Read More →
How Can I Tell When I Opened/Closed My Credit Card?
Question: I opened a credit card around 11 months ago, I’d like to know the exact date of when I opened the card so I can avoid getting charged the annual fee by calling the retention line beforehand. I’ve also got a few... Read More →
How Does American Express Decide Who Receives What AmEx Sync Offer?
Question: I’ve noticed that a lot of the American Express offers are targeted to certain people, sometimes I’ll have the same card as somebody else but won’t see that offer in my account. Why is this and what can I do... Read More →
How Does A Charge Card Affect Your Credit?
Today’s question was originally asked by vtfan08 on reddit.com/r/churning. We have rephrased it slightly so it makes sense without the background discussion. Question: I’m tossing up between getting two cards, they both... Read More →
Will Chase Match A Bonus If A Better Offer Comes Available?
It’s been awhile since we did a reader question, so here’s a timely one. Question: I applied for a Chase Ink Bold card six weeks ago when it was 50,000 points. I saw that the bonus has now jumped up to 60,000 points. Will... Read More →
FICO Or FAKO – How Do You Tell?
More and more banks and credit card issuers are offering free credit scores. Some of them are free FICO scores, whilst others are actually FAKO scores. Before we go any further it’s probably important to discuss the difference:... Read More →
Why Are Some Credit Card Offers Not Available To Residents Of Iowa?
I’m a resident of Iowa and I wanted to apply for the Barclay Arrival card, I noticed it had the following fine print that secludes me: “This offer is available only to applicants who are residents of the United States,  with... Read More →
Does A Credit Card Issuer Know What Items You’re Purchasing?
Question: I purchase a lot of Vanilla Reloads with my credit cards to increase my manufactured spending and get more points for a trip I’m planning on taking. I’ve heard that it may be possible for the credit card issuer to... Read More →
How Long Does It Take Chase To Pay Out Their Savings & Checking Account Bonuses?
Question: I’m just wondering how long Chase takes to pay out bonuses for checking and savings accounts? For chase bank account bonuses, then the answer is simple and found in the fineprint. Chase will pay out within 10 days of you... Read More →
Which Banks Are Sensitive To Inquiries?
Question: Just about to drop a round of apps out. In general, which banks are most sensitive to inquiries? That is to say, which banks should I apply to earliest in the day, and which ones could come after that? This question comes from... Read More →
I Was Denied For The Chase Sapphire Preferred, Now What?
Question: I decided to apply for the Chase Sapphire Preferred recently as my credit score is now above 740. But they denied me, what should I do? Answer: The best thing to do is to call the Chase reconsideration line (888-245-0625)... Read More →
[Expired]When Does The 7% Annual Dividend From The Chase Sapphire Preferred Show?
Chase no longer offers this as a benefit. Question: I’m wanting to close my Chase Sapphire Preferred card soon, I’ve spent a little bit more than $20,000 on it this year. I saw that each year you get a 7% dividend bonus... Read More →