American Express recently sent out Form 1099-MISC to cardmembers who had referrals in 2018. In the past, cardholders did not receive forms for referrals, so this might come as an unfortunate surprise.Read More
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American Express product change and downgrade paths. Downgrading a card is ideal to keep your credit history alive since you’re not canceling the card. I usually recommend doing this after having the card for 12 months if you’re not getting positive expected value in the second year to keep a good relationship with American Express.Read More
Chase 5/24 has an unofficial rule that states that if you have opened 5 or more credit cards from ANY credit issuer in the past 24 months, you will not be eligible for select Chase cards. In the past year, Chase has added a handful of new cards, and application rules have also changed.Read More
Citi Bank has unique product change options because unlike other credit issuers, the product change options are all Citi cards. The only rule you have to abide by is that you must stick with personal or business cards.Read More