When will i get my credit card in the mail

6 Awesome Credit Card Tricks That Will Save You Money

When will i get my credit card in the mail

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Can you manage your credit cards as deftly as high stakes Vegas dealers handle their playing cards? You can learn how. Credit cards are important financial instruments, but you can also look at them as kind of a game.

We all know people who use their cards irresponsibly to accumulate crushing debt, but if you play this game right, and stay out of debt, you can gain tremendous value from your cards. Here are six really cool tricks that have worked for me.

You have good credit, but somehow your card application is rejected. You can either sit back and wonder about the factors that may have contributed to your denial, or you can take another shot at getting your card approved. The fact is that your initial rejection was probably just some computer's best guess as to your credit worthiness, and it was incapable of considering every important factor. What people don't realize is that you can call your bank, speak to a human being, and ask him or her to reconsider.

When you reach your bank, remind the representative of your excellent payment history. You can also offer to reduce your credit line or close other accounts you may have with them. Recently I was able to get approved for a card by closing another card account that I had with them that I was going to cancel anyway. Banks desperately want your business, and they are anxiously waiting for you to call up and offer them a good reason for them to approve you.

Have you ever applied for a credit card only to find out later that there was a better sign-up bonus offer available? Like reconsideration, you can contact your bank, inform them of the other offer, and ask them to apply it to your account. To their customer service representative, it's as easy as changing the "promo code" field on their computer screen. While you can do this over the phone, many prefer to log into their bank's website and send a secure message. By doing this, you'll have the bank's response in writing, so there will be no dispute over how many points or miles you should receive.

I can't tell you how many consumers I have met who have engaged in extended battles to get their money back from unscrupulous merchants. They call, argue, and even yell at the representatives of merchants in a time consuming and often-futile attempt to get a refund. If you paid with your credit card, you should only waste your time on a single call that is escalated to a supervisor. If that person is unwilling to refund your money, inform him or her that you intend to request a chargeback from your credit card issuer.

Retailers live in fear of the increased merchant fees that result from a chargeback, and they will often reconsider their position the moment they hear that word. Otherwise, a quick call to your bank will result in a temporary credit that will become permanent once you provide documentation supporting your claim.

Real credit card gurus live for those amazing sign-up bonuses that come around every now and then. Have your spouse or partner apply for the same card. Or sign up for the business version of the card, too. Just as long as you have no temptation to spend more, there is little to lose and a lot to potentially gain.

5. Maximizing Your Statement Cycle

Those who pay their balances in full and on time are perpetually receiving a free loan from their banks. This is the smartest way to use your credit cards, but you can even take this to the next level. Any charge made the day before your statement closes will be due 20-25 days later. But if you make that same charge the day after your statement closes, then you have another extra 30 days to pay it without incurring interest. This means you can get an interest-free period of up to 55 days!

When cash is tight, many people know to wait until just after their statements are closed to make purchases. What most people don't realize is that with some banks, you can actually extend your payment cycle by moving your due date back. They may not let you do this over and over again, but it is a great way to get a few extra days out of your statement period in order to push back your due date.

6. Taking Advantage of Gift Cards

These days, the terms of many reward cards contain all sorts of gimmicks to get you to spend more in order to receive more points, miles, or cash back. Some only offer a sign-up bonus after you spend a particular amount, while others give special rewards for transactions at certain categories of merchants. To take advantage of these promotions, the worst thing that you can do is to spend more money just to earn a reward.

Instead, you can use gift card purchases in creative ways. In order to reach the minimum spending threshold for a sign up bonus, you use your credit card to purchase gift cards for merchants you visit often, or even cash cards. Simply make the purchase before the deadline, and use the gift cards later. You can also buy gift cards at grocery stores in order to maximize bonus spending categories. For example, if you have a great card that offers extra points for groceries, purchase gift cards at your grocery store to get the bonus points for shopping at other stores.

You can’t really expect to defeat a card shark on the street or beat the house at a casino, but you can regularly win big with your credit cards. The key is that banks are intensely competing for your business, which will always be your ace in the hole.

What are your favorite credit card tricks and tips?


My Fourth Mistake: I Closed Credit Card Accounts

When will i get my credit card in the mail

When starting your credit repair journey you may tempted to close credit card accounts, especially if the credit card has negative entries on it such as a late payment. This is a bad idea. It’s actually better for your credit score in most cases if you keep the account open because a big part of your credit score depends on how much credit history you have. In other words, by keeping credit cards open, you’re adding credit history to your credit profile –even if it has negative marks. It’s much better to try and remove late payments from your credit cards.

I made this mistake when I started my own credit repair journey, actually. Closing credit card accounts seemed logical to me at the time. I thought, “Ok, I have a bunch of credit cards, I have paid them off, and I don’t want to be tempted to use them again so I better close these accounts.” I also said to myself, “Hey, this will improve my credit score too! The magic FICO credit score generator will see that I am acting responsible by closing credit card accounts after I paid them off!” This couldn’t have been farther from the truth. Three months after I closed 3 out of 4 of my credit cards, my credit score dropped.

Remember: your credit score is largely based on how well you manage open credit accounts. If the account is closed, there is nothing to go off of except the account history before you closed the account (which is probably bad if you closed the account). An excellent credit score reflects that the individual has had long term, well-managed credit accounts. Also, while it is true that too many open credit card (revolving) accounts can hurt your credit score, the key is to shy away from opening too many accounts, not closing the accounts. Never close an open credit card account –it can hurt your credit score.

Attempt to reopen credit cards

Another technique you can try if you have already closed a credit card account is to contact the creditor and ask if they will consider reopening the account. You can be certain that they will pull your credit report, so this usually only works if you have showed some improvement recently. You can also follow the steps I outline in my post 5 Amazingly Simple Techniques to Optimize Your Credit Score to make sure your score is optimized before you ask them to reopen the account.

Here is how I got Capital One to reopen my account after I paid off the balance and closed the account: First I applied for and received a secured credit card to rebuild my credit (Open Sky Secured Credit Card is the card I got in case you’re wondering). I kept up on the payments for one year. After the one year was up, I called their customer support and asked if they would “kindly consider reopening my account based on the recent steps I have taken to improve my credit score and the accounts I have in good standing as of right now.” They checked my credit report and a few weeks later I received a new Capital One credit card with a $500 limit.


My Credit Card Applications – When Pending Isn’t Really Pending

I’m not very aggressive signing up for new credit cards. Not because of the hardship in meeting minimum spend requirements, rather because it gets a little uncomfortable trying to explain to CSRs why you have 16 new credit cards within the past year. It’s usually not the biggest deal to live with this, but I prefer just limiting myself.

That said, banks definitely get their share from me. Maybe 10 cards/applications per year.

Now was time for another couple applications. The ThankYou Premier with a 50,000-point bonus and the Blue Cash Preferred with a $200 bonus are both higher/better than the usual offers.

With regards to the ThankYou, we don’t know if that offer will be around for long or if it’s temporary. I really don’t want to have to deal with the old split-year bonus and this offer was ripe for the taking. I held off for the past few weeks, waiting for all my retention bonus points to come in. This way, in case there was a need to close out one card in order to open another, no points will be lost on the deal. Really, that’s more of a Chase thing than a Citi thing, but I decided to wait for it anyhow. Since the points just posted it was time to apply.

Blue Cash Preferred

As for the Blue Cash, there are occasionally targeted offers of a better $250 signup bonus. My thinking is, however, that the card has ongoing value due to the 6% grocery category. If the bonus is $50 less than its peak, it may still be worthwhile to get it sooner rather than later so as to get in the $6,000 of spend during the 2015 calendar year.

The Amex Business Platinum with 150,000-point bonus was also on the table for consideration. The fact that the hard pulls of the Blue Cash and the Platinum would likely be combined made it especially appealing. For a couple of reasons, I ended up holding off on this one and just applied for the ThankYou and Blue Cash.

First, I applied for the ThankYou. Why? Because existing Amex cardholders probably won’t get a hard pull on their credit if they get denied. Rather have a cleaner report for Citi and not worry as much about the Amex application.

ThankYou Premier application

Applied for the ThankYou Premier card.

Result: Pending. Shoot. Instant approvals are so much fun.

Luckily, I’ve applied for Citi cards before and I recall getting the exact same result on a different Citi application which really just needed me to call in to decide on some credit line issues. Not a question of approval itself. The wording of the Citi response, “we need additional information from you”, sounded that way as well. Okay, that’s better.

The call into Citi turned out to be just that: they approved me for a $3,000 credit line and asked if they should move over $1300 from a different Citi card to bring the credit line up to $4,300. Only $1,300 can be moved, not more they said.

My knee-jerk reaction was to move $1,300 from the $8,000 credit line on my Dividend card. On second thought, it occurred to me that the ThankYou Premier card is likely a one-year-and-over card, so why transfer credit from a fee-free Dividend card which will be around forever? I can manage the minimum spend with a $3,000 credit line. So we left it at the $3,000 credit line and that was that.

Blue Cash application

After entering my info, the system again gave me a pending decision.

Previously, I’ve always been instantly approved by Amex so this one was more surprising. Whipped out my phone to call the reconsideration line and I see an email pop up in my inbox with “Your American Express Application was Approved!” in the subject line.

I’m honestly not sure why the system gave me a pending reply and then instantly approved me. Maybe this is typical with Amex, maybe not.

One thing I noticed is that there wasn’t a long pause after applying the way there is with most credit card application. You know, the long time staring at that circle going round-and-round waiting to see what whether you’ll be approved. It gave a very fast pending message. It’s possible that this all has to do with the fact that Amex initially just soft pulls and subsequently hard pulls, or maybe it’s unrelated.

In any case, it was nice not to have to call in. Now I just have to see if there’s a way to register my Amex card for Amex Offers before I get the actual card…Oh well, maybe I’ll just call and ask them to expedite the card.

So…if your application is ever pending, it may not really be pending.

Let us know your own experiences in the comments.


Citibank Credit Card — Change Of Mailing Address

When will i get my credit card in the mail

Citibank Loan — Offering loan services

Offering CITIBANK LOAN received phone call on my mobile no. when asked where did you get my mobile no. said as you have Citibank account we got the details from Citibank

When will i get my credit card in the mail

Citibank Credit Card / Loan — claiming illegal money

And for that I had to pay EMI for 36 months.

After taking that loan, I have paid EMI regularly.

After around 1 year I got letter whcih asked me to return all the rest amount.

When I asked them , they told that they issued one link card .

And there was due for that card. So they have blocked the original card and claimimg.

3. I am not a defaulter , I have paid all the EMIs.

When will i get my credit card in the mail

Citibank Credit Card — claiming illegal money

When will i get my credit card in the mail

Citibank Indian Oil Card — Payment paid still getting harrsed

I have all the mails which i have interacted with them and all the proof in written from day one which i can present to you.

When will i get my credit card in the mail

Citibank Credit Card — no information

name wasil khan new delhi 110025

When will i get my credit card in the mail

Citibank Loan On Credit Card — Did not Accept Loan but need make EMI Payment

When will i get my credit card in the mail

Citi Bank Cash Back Gold Card — payment to third party without my concern and approval

this is to complain that my credit card has been miss used by a third party without my conscious and approval my card no & name XXXX XXXX XXXX 0001 srinivasan.g citi CASH BACK GOLD CARD which was issued based on my transaction with citi bank auto card the transaction stated below

12/02 15000005 PERSONAL ACCIDENT TC PREMIA 898.00

12/02 15000005 INSURANCE FEE 195.00

12/02 15000006 PERSONAL ACCIDENT TC PREMIA 898.00

12/02 15000006 INSURANCE FEE 195.00

12/02 15000007 PERSONAL ACCIDENT TC PREMIA 898.00

12/02 15000007 INSURANCE FEE 195.00

12/02 15000008 PERSONAL ACCIDENT TC PREMIA 898.00

12/02 15000008 INSURANCE FEE 195.00

12/02 6000006 HEALTH FOREVER 2568.00

12/02 6000006 INSURANCE FEE 195.00

17/02 SERVICE TAX @ 12.36% 142.76

which came to my knowledge and have reported to your citi bank customer service and was promised to rectify and refund my amount but which dose not have and put me in a situation to consider about further using of citi bank credit card and cancellation of the same, if my report was not solved in a proper manner within 48 hours or the earliest possible, I ill be forced to take legal action through proper channel in this regard since i have not given any voice confirmation or any written approval from me, and the citi bank which is my service provider did not even inform me neither by phone nor email or post about this transaction but only reflecting in the statement what legal rights do they deserve to pay a third party without my confirmation and approval, if so please give me a copy of the same

expecting my mail will fetch your attention and prevent further complication in this regard,


when will i get my credit card in the mail

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I can't "Get verified" my credit card

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I can't "Get verified" my credit card

I live in Romania, and I have a Visa -electron card from Banca Transilvania. I get to get verified my card. I get this message:

"We were unable to verify this card. Please review and make sure that the information you entered is correct. If the problem persists, please enter a different card."

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Re: I can't "Get verified" my credit card

Unfortunately no one here can view user account info, suggest contacting customer support direct for assistance. Ensure that the information (name, etc.) registered with the card is the same information you used to setup your PayPal Account.

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Re: I can't "Get verified" my credit card

Welcome to the Community Forum! As snowshoe has said, the best thing to do in this case would be to contact Customer Support directly, although it does sound like your card is being declined for usage on PayPal by your issuing bank, so you may also want to contact them directly and ask to speak with someone who deals with online payments.

To find our contact details, just click on 'Contact us' when logged in When will i get my credit card in the mail

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Re: I can't "Get verified" my credit card

well in my case i got a similar message , but after a few minutes i got a message from my bank saying that 1.95$ was taken from my account :@

i keep getting that message when ever i click on continue (during verification)

and worst of all i tried to buy an item online @ebay i tried entering my debit card details directly instead of using paypal , but it gave me an error saying that the 3 digit pin is invalid >.9gt;

few minutes later i got a message from bank saying that paypal took 1.95$ from my account .

how can i get my money back and delete this account of mine . im competely sick of paypal now :@, tried contacting paypal customer service, they dont reply my email.. when i tried to call them directly , it says the number is not connected.

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Re: I can't "Get verified" my credit card

What telephone number do we need to call to verify the credit card ? I went to the bank, and they were puzzled and amazed that Paypal doesn't accept their credit card, and gave me a code that was used previously to verify the former card, which now is expired, which I believe is all the real problem, or it is because the account was previously to my father's name, from way back when we started to make purchases, even though the previous credit card was on my name !

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Re: I can't "Get verified" my credit card

Btw, I tried several times to get in contact through e-mail, and asked to be called, but feel like I'm screaming in the dessert !

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Re: I can't "Get verified" my credit card

First of all welcome to our community.

I am happy that you posted here and I would like to apologize that you did not get a response from us by email.

From the information that I have I think that you are having trouble with the confirmation of the card due to the name. I understand that the PayPal account is on your dads name, but the card is on your name, correct?

I would advise to open a new account on your own name, all financials that are added to a PayPal account must be in the same name as the account holder. If the names do not match this can cause issues with confirming a card or bank account.