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Chase reserve medical evacuation benefit

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Amex or JetBlue MasterCard

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Amex Platinum vs Chase Reserve

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Lyft Cash: No Longer Earns Chase UR Points

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Amex Plat-$50 offer for Best Buy & Home Depot

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Platinum Confusion – Marriott Brilliant Amex

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Miles & More European Credit Cards 50% Devaluation

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Timing about canceling one card and applying for another

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Can’t find Blue Business Plus

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Annual fee for Virgin Atlantic M/C

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Answers (2)

Paying before statement closes

Paying before statement closes

  1. Terry

    Something interesting happened to me applying for Citi Prestige. I have excellent credit, and virtually no debt, but I was denied. I called Citi to see what was up, and they agent told me that the problem was not my credit. The problem was that he was seeing a very high minimum payment on my Amex. This is a charge card that requires payment in full (with some exceptions) at the end of each billing cycle. I put many many charges on this card and pay it off each month.

    Anyway, because Citi saw that I had a minimum credit card payment of several thousand dollars, they determined that my “ability to pay” did not meet their requirement.

    So – I waited two billing cycles, and in the meantime, I paid the Amex down to zero BEFORE the billing cycle closed. Then I applied for the Citi card again and was approved.

  2. Gaurav

    [USER=767]@Terry[/USER] thanks for sharing!

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