afan
Honorary Bus Driver
- Joined
- Dec 30, 2014
My BOA Biz did not.
My BofA Alaska biz did not. Pretty sure it had a hard pull, but never reported to CR.
My BOA Biz did not.
any kind of credit check pulls(opening of accounts) will count into 5/24. BOA is an end game or a lazy churning card set if your end goal is cashback. if not, u should hold on and complete your 5/24. other idea would be to check your SO and have SO be under 5/24 while u bust out.
Thank you both!My BOA Biz did not.
Thank you, too!My BofA Alaska biz did not. Pretty sure it had a hard pull, but never reported to CR.
I guess I could take BoA up on thier BIZ offer (which came from a personal card I have with them) and hope I don't get a credit pull (thus counting against my */24 count). And maybe since I've had their other card for decades now, and they do a credit pull [which shows on my credit report], I can fall back on wife who is probably around 3 or 4/24 now.
Albort - did you miss that he was asking about a biz card bud?any kind of credit check pulls(opening of accounts) will count into 5/24. BOA is an end game or a lazy churning card set if your end goal is cashback. if not, u should hold on and complete your 5/24. other idea would be to check your SO and have SO be under 5/24 while u bust out.
Thank you for the detailed explanation!A hard pull to check your credit isn't what */24 is counted by. The number of cards on your credit report is what the */24 goes off. That's why people want to know if a biz card reports to your CR.
Now having too many hard pulls can be an issue with some banks, but a hard pull has nothing to do with */24. */24 is the number of cards opened AND reported to your credit report. I'm at 4/24 because I have opened that many in the past 2 years and don't have any falling off for like a year. However I've opened more than those 4 because some were biz cards that don't report to your credit, but may have a hard pull.
The reason why a hard pull can be important, is say you have been getting a card from chase every 3 months for 9 months and you're going for number 4. But you live in a state where Amex also pulls from the same CR and you threw in one of those and it was your first so it also did a HP. Now you have 4 HP's on your CR and while you are under 5/24 chase may see the 4 and deny you for too much. It's why it's important to know which banks pull from which of the 3 because they don't all use the same ones and it varies by state. Whichever one chase pulls for me, they are the only one that uses that one so that's nice, but they still see the new cards so it's only so helpful in the one part of the equation. There's one, I think Cap1 that pulls all 3 and is why people will often not get it.
But again, hard pulls aren't what you are counting for you */24, new cards on your credit report are.
Thank you for the detailed explanation!
I guess until recently, all of my (newly found) churning cards were with Chase, so I never distinguished between a hard credit pull and what went on which credit report, because Chase knew what was going on either way. After being in this game for over a year, I still have a lot to learn!
It's prolly too complex, but is to possible to say if one of these states advantageous over the other(s), credit reporting-wise: IN, FL, VA?
ETA: PS. I have a note that Cap 1 does pull all 3 credit bureaus
Thanks again. I should have known if anyone tracked that, it would be DoC. I understand about the reliability of user reported data ... Gas Buddy is that way, although lately, it seems to have gotten better.No idea. DoC has a lit on his site of what states pull from which report, but it's all user generated so no guarantee of it being accurate. Case in point, my credit is frozen and I didn't want to unfreeze all 3 because I was lazy, so I used what people had told him and unfroze the two on his list for WA. Well I got denied and saw no hard pull, because they wanted the one that I had kept frozen. So now I just unfreeze all of them.
And really, it's just the hard pulls that vary by state, everything else is going to be the same. They will all show which cards you have open, so there's no really anything that one state would help with over the other. I also think covid has made them slightly more hard pull sensitive than they were before, or that box just gets clicked as another reason with the rest.
Albort - did you miss that he was asking about a biz card bud?
Hyatt gurus - I need clarification! I finished up my Hyatt stay to get to 30 for Globalist today. I'd like to ultimately be at 50 nights to qualify for suite upgrades for a Hawaii trip in September 2022. Can I continue to earn those remaining 20 nights organically over the course of this year and then whenever I arrive at 50 I'll be eligible for the suite upgrade in 2022? I'm thinking yes, but want to be sure. If not, then I'm going to do another run this coming week through 2/28 to earn the double nights promo. My preference is to keep the points I've earned (vs using them for a run) and just acquire the extra nights over the remainder of this year which is totally doable and aligns with actual trips.
Thank you!!Yes - you have until Dec 31 to get to 50 nights for the 2x Suite Upgrade Certs - those should then be valid for use until Feb 2023.
Which Hyatt are you looking at in HI? I think there are some that the suite nights can’t be used at so make sure to check the list.Hyatt gurus - I need clarification! I finished up my Hyatt stay to get to 30 for Globalist today. I'd like to ultimately be at 50 nights to qualify for suite upgrades for a Hawaii trip in September 2022. Can I continue to earn those remaining 20 nights organically over the course of this year and then whenever I arrive at 50 I'll be eligible for the suite upgrade in 2022? I'm thinking yes, but want to be sure. If not, then I'm going to do another run this coming week through 2/28 to earn the double nights promo. My preference is to keep the points I've earned (vs using them for a run) and just acquire the extra nights over the remainder of this year which is totally doable and aligns with actual trips.
I paid dd’s car off using visa gift cards (cic) converted to money orders.I don't suppose there is any way for me to pay the remainder of my car (technically motorcycle) loan, currently with a credit union, off by credit card?
I paid dd’s car off using visa gift cards (cic) converted to money orders.
Crap, I missed your original post Amex will ACH credit balances to your bank account on file. Even on closed cards. Chat them and the rep can do it, money usually shows up next day. The odd rep will say no ach, just HUCA.Just an update on that credit balance sitting on my closed Amex Hilton Biz: I chatted with them this afternoon and the rep told me they'd typically automatically cut the check after three billing cycles- she said she could either cut the check now or just transfer the credit to my other open card (BBP). I took her up on the transfer offer and hopefully that will show up tomorrow.
Thanks all!