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Author: Vinh

Synchrony’s weird rejection to P2’s app

August 27, 2024August 26, 2024 Vinh  Credit Cards  2 Comments

Synchrony shut down me and the wife back in 2022 due to the Venmo days. I applied for P2 for their Mastercard and got this as a rejection reason. Not sure what they mean by “High risk source of application.” Like is she high risk? Is she banned for life? The “of application” just sounds […]

Comenity moves into 2024

August 20, 2024August 19, 2024 Vinh  Credit Cards  Leave a comment

When I applied for a Comenity credit card back in November 2023, they sent me a snail mail saying I had to send them a copy of my driver’s license, front and back of my social security card and also proof of address (utility or bank statement.) At the time, you had to snail mail […]

Product changing my NFCU AMEX to the Visa

August 16, 2024August 15, 2024 Vinh  Credit Cards  2 Comments

I’ve had the NFCU AMEX card for years now for the 3% grocery. However, there’s a better card for groceries these days so I stopped using it. I’ve tried applying for their Flagship Visa a few times now and I keep getting denied. I think my CL with the AMEX was $22K so maybe I’ve […]

The Vanilla VGC velocity limit still in place

August 9, 2024August 7, 2024 Vinh  Manuf Spend  1 Comment

I think people are aware of the 3 vanilla VGC velocity limit that was implemented months ago. For a while though, I thought the velocity limit was relaxed because I had gone a few months w/o having any issues. However, a few weeks ago, in a span of 3-4 days, I got 4 locked cards. […]

Don’t deposit a 1+ year old Western Union money order

August 8, 2024August 7, 2024 Vinh  Manuf Spend  1 Comment

My MS work flow has me keeping my receipts and money order receipts for a year or more in a bag. Then when I get the urge, I go through the bag and then trash out any old money order receipts just because I don’t think they are necessary anymore since the money orders have […]

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