Latest reviews

Reddit · r/CreditCards · 2 days ago

A free upgrade from a green card to Platinum brought only so-so benefits, and the annual fee bill made it not worth keeping.

Reddit · r/Revolut · 3 days ago

A full-day outage in October locked up all funds, and the app has a habit of freezing accounts over transactions it wrongly flags as suspicious. The poster still stays because no other bank matches the automations that sort their money into pockets for bills and groceries.

Reddit · r/Revolut · 3 days ago

Called the best banking product they have used, with plentiful cards, automations, insurance and travel perks plus an intuitive app. Trust is the sticking point, because of the many blocked-account stories they keep reading.

Reddit · r/Revolut · 3 days ago

About 1.6 years in as their first digital bank, they like that a flagged transaction only needs documents or a face scan rather than a blanket suspension. They also rate the cashback and savings rate above the competition they researched.

Reddit · r/Revolut · 3 days ago

Used day to day as a secondary account funded each payday, with separate pockets for different spending areas that work well for budgeting.

Reddit · r/Revolut · 3 days ago

After a traditional bank closed their account without explanation, the Revolut account has caused no problems at all.

Reddit · r/Revolut · 3 days ago

Repeated promo notifications such as free Premium months, referral nudges and themed cards are annoying enough that they plan to leave once a decent alternative turns up.

Reddit · r/ynab · 3 days ago

A decade-long devoted user who still does not understand some of the odd behaviours such as stealing from the future.

Reddit · r/Revolut · 3 days ago

Uses the Metal plan while living abroad full time and gets enough value from it. They add that for someone living at home or traveling occasionally the free account is enough.

Reddit · r/CreditCards · 4 days ago

Uses it as their gas card, earning the boosted 6% in their chosen category during the first year.

Reddit · r/CreditCards · 4 days ago

Has done a weekly reconcile-and-pay routine in YNAB since 2022 for peace of mind after past card debt, but is now dropping it for a cheaper alternative and dislikes its renamed menus.

Reddit · r/CreditCards · 4 days ago

Used it for several years before moving to a different budgeting app, feeling YNAB had kept making things harder rather than easier.

Reddit · r/CreditCards · 4 days ago

Uses YNAB with linked accounts and finds it much easier than manual tracking. Calls it pricey but worth the reduced mental effort.

Reddit · r/Revolut · 4 days ago

After more than seven years on Revolut, they say trading worked fine during the previous week's crash but failed without any in-app notice during the rebound, and they are leaving over reliability.

Reddit · r/fidelityinvestments · 4 days ago

Opened the account after running into high ATM fees in South America and keeps it lightly funded from their brokerage account for that purpose.

Reddit · r/fidelityinvestments · 4 days ago

Calls it their first choice as a high-yield savings account, citing the interest rate, free checking, the debit card with ATM fee reimbursement and free bill pay.

Reddit · r/Revolut · 4 days ago

Is on the Metal plan and is happy with it, citing the points they earn and the perks.

Reddit · r/fidelityinvestments · 4 days ago

Started out in Fidelity Go, which gave a spread across small, medium, large, bond and international funds at no cost, before later self-managing.

Reddit · r/Revolut · 4 days ago

Has had no mobile service for over two days after switching to Revolut and finds support very poor.

Reddit · r/Revolut · 4 days ago

Moved their mobile plan over from Vodafone and finds speeds now terrible in a rural area, planning to go back.

Reddit · r/Revolut · 4 days ago

Gets weekly emails and notifications pushing the German IBAN switch even with marketing turned off, and support first promised it would stop.

Reddit · r/Revolut · 4 days ago

Found that choosing Revolut Pay for an Uber trip switched off their Uber One benefits despite having it through a Revolut plan.

Reddit · r/Revolut · 4 days ago

Uses Revolut Pay across Wolt, Uber, WizzAir and Booking.com and says it makes RevPoints more attractive.

Reddit · r/ynab · 4 days ago

Set the iPhone action button to add a YNAB transaction and now logs purchases right after paying, before the receipt prints.

Reddit · r/CreditCards · 4 days ago

Upgraded from the Blue Cash Everyday after years and keeps the Preferred because groceries are their biggest spend, paying in full each month so the fee is outweighed.

Reddit · r/Revolut · 4 days ago

Gets paid in a different currency, which makes a paid Revolut plan worthwhile for them. They say the value of the plans is personal and depends on how you use the account.

Reddit · r/CreditCards · 4 days ago

Product-changed a Quicksilver Visa to a Savor and reports it still shows as a Visa in the app.

Reddit · r/CreditCards · 4 days ago

Opened the card and was blocked pending income verification; despite sending documents, the issuer closed it and still charged the annual fee. Escalating by phone did nothing, and a CFPB complaint eventually produced a courtesy credit of the fee.

Reddit · r/CreditCards · 4 days ago

Held the card and tried to justify the high fee with its credits, but found that paying for things they would not otherwise buy did not work for them. They plan to move away from it next month.

Reddit · r/Revolut · 4 days ago

Has used it for years but only while travelling, keeping a regular bank for everything else, and finds its support more automated than human.

Reddit · r/Revolut · 4 days ago

Shares a joint account with a spouse in France; the spouse's physical card works everywhere except automated gas stations, where payments are refused before the PIN can be entered, while the account holder's own card works.

Reddit · r/Revolut · 5 days ago

Had been happy with Revolut CFD trading for a couple of weeks, then found it down for almost three hours with a large open position they could not close. Plans to close their trading account.

Reddit · r/Revolut · 5 days ago

Finds Revolut fine as a bank but considers its trading platform very poor, and says they have filed several complaints and are preparing a formal one to the regulator.

Reddit · r/fidelityinvestments · 5 days ago

Says the account's ATM fee reimbursement covered a steep fee and currency conversion charge from a European ATM while studying abroad.

Reddit · r/fidelityinvestments · 5 days ago

Uses the debit card at casino and dispensary ATMs and gets the fees rebated, preferring that to carrying a whole trip's cash.

Reddit · r/fidelityinvestments · 5 days ago

Uses the account in place of a bank account with overdraft protection funded from their brokerage account; it mostly worked but recently the protection failed and transactions were declined.

Reddit · r/fidelityinvestments · 5 days ago

Suggests the Fidelity card for recurring expenses but says a dispute over a counterfeit item bought with it did not help and sided with the seller.

Reddit · r/Revolut · 5 days ago

Moving their mobile number to Revolut left them without service for a day, and support only said to wait while they pass them around.

Reddit · r/Revolut · 5 days ago

Ported their number from GoMo in minutes and reports everything fine so far, saying RevPoints earned on their Metal plan cover the cost.

Reddit · r/CreditCards · 5 days ago

Pairs the Venture X with a Savor and says the annual travel credit and yearly miles more than cover the fee even with one trip a year. They also value the lounge access during layovers.

Reddit · r/CreditCards · 5 days ago

Had a trip cancellation claim covered by their Amex Platinum travel insurance despite split one-way flights on different airlines. They say it was paid without extra questions, though they note it is more restrictive than Chase.

Reddit · r/CreditCards · 5 days ago

Calls the Cash+ a card you can age with and says earning 5% back on utility bills is their favorite bonus of all their cards.

Reddit · r/CreditCards · 5 days ago

Keeps the Sapphire Reserve even while not traveling internationally, for the 1:1 Hyatt transfers and a yearly Edit and dining credit they can use locally.

Reddit · r/Revolut · 5 days ago

Filed a formal complaint and Revolut admitted fault and offered a small compensation, but about a month later the money had still not arrived.

Reddit · r/CreditCards · 5 days ago

Keeps it as their one cash back card, hand-picking a single category each cycle and putting nothing else on it, and notes it is no longer open to new applicants.

Reddit · r/CreditCards · 6 days ago

Holds both the Sapphire Preferred and the Navy Federal Flagship Premier and considers the Sapphire Preferred the better daily driver because of its extra 3% categories.

Reddit · r/ynab · 6 days ago

Has begun using the Apple Card for most purchases with Daily Cash flowing into the Apple savings account, and tracks the small amounts in their budget.

Reddit · r/personalfinance · 7 days ago

They are a big fan of the Fidelity CMA because of its autosweep feature, using it like a checking account while the cash earns the money market rate without savings-account restrictions.

Reddit · r/personalfinance · 7 days ago

They have used E*TRADE for over two decades with no problems, finding support responsive and accurate the few times they needed it, and they handle most things in the app or on a laptop.

Reddit · r/CreditCards · 7 days ago

Has used the Venture X as an everyday card and recently redeemed its points for two business-class round trips to Japan, which they take as proof the card is worth it.

Reddit · r/CreditCards · 7 days ago

Holds the Venture X and just opened the Bilt Palladium. They like its stronger transfer partners and the higher portal redemption value compared with Capital One, and note no perk changes have been announced yet.

Reddit · r/Revolut · 7 days ago

Has used Revolut for years as a main account for savings and salary, with large transfers and crypto moves, and says they have never hit the problems others report.

Reddit · r/Revolut · 7 days ago

Only problem was customer service, where they dealt with an AI that pretended to be human, so they use Revolut just as a spending account with virtual cards and keep their salary elsewhere.

Reddit · r/Revolut · 7 days ago

Held a Revolut account since 2020 as a main bank but closed it after an outage left them without access to their money, with no compensation, plus earlier trouble with transfers and support.

Reddit · r/Revolut · 7 days ago

An Italian resident who used Revolut for everyday payments had the account permanently closed with no clear explanation and finds that hard to accept.

Reddit · r/Revolut · 7 days ago

Had their Revolut account scheduled for closure; the appeal failed and they were told it will close permanently without explanation, despite documented activity on the account.

Reddit · r/Revolut · 7 days ago

Found Revolut's verification scanner broken, rejecting good photos as blurry and then crashing on submission, and could not reach support by phone.

Reddit · r/Revolut · 7 days ago

Got a Revolut alert for a pending purchase they did not make, froze and deleted the card right away and started the refund process, unsure about their chances.

Reddit · r/Revolut · 7 days ago

Finds Revolut's savings account suited to parking spare cash that will be used within weeks or months.

Reddit · r/CreditCards · 7 days ago

Pays property tax and IRS tax with the Venture X despite the card fee, since travel redemptions after a year and a half of heavy travel easily return well over 1 cent per point.

Reddit · r/CreditCards · 7 days ago

Likes their Blue Cash Everyday and uses it at Walmart where their Savor does not earn 3%, and describes the pairing of the two as a great combo.

Reddit · r/CreditCards · 7 days ago

Holds both the Amex Gold and Venture X and says the Gold works well for them because it matches where they already spend on food.

Reddit · r/CreditCards · 7 days ago

Owns both the Savor and Autograph; in Japan the Savor earns 3% almost constantly, with a rare miscoding of a restaurant near them as merchandise.

Reddit · r/CreditCards · 7 days ago

Found that Wells Fargo caps how often the card can be paid from an outside bank each month, about seven times for them, after which payment has to be made by phone.

Reddit · r/CreditCards · 7 days ago

Applied for the Strata Premier through a Rakuten offer and took the cash back as Bilt points, which they felt was a better deal than waiting for the bank's own bonus.

Reddit · r/CreditCards · 7 days ago

Uses the Bilt Palladium for lounge access since it is easy to earn back the annual fee through credits and it includes guest access.

Reddit · r/fidelityinvestments · 7 days ago

Holds the Fidelity credit card but cannot find a running balance after each transaction in the app or website, unlike other issuers.

Reddit · r/CreditCards · 7 days ago

New Platinum cardholder who cannot add the card to Uber to activate the monthly Uber Cash credit, despite Amex confirming no blocks and trying both Uber and Uber Eats.

Reddit · r/ynab · 7 days ago

Uses YNAB because it keeps money set aside for credit cards so they are paid in full each month, and updates and reconciles often.

Reddit · r/ynab · 7 days ago

Enters every transaction by hand at the time of purchase in YNAB, reconciles twice a week and says the routine takes about five minutes a day.

Reddit · r/ynab · 7 days ago

Prefers YNAB's web app and distrusts the mobile app, whose constantly changing functionality they find confusing and fiddly.

Reddit · r/CapitalOne · 7 days ago

They were approved for the Venture X as only their third credit card with a modest score, and believe Capital One favors people who keep most of their accounts with it.

Reddit · r/CapitalOne · 7 days ago

They hold three Capital One cards but keep getting denied for the Venture X despite other premium cards elsewhere, which they think is because they are seen as not profitable.

Reddit · r/CreditCards · 8 days ago

They were approved for the Boundless the same day they applied, but the welcome bonus had not yet appeared on the app's bonus tracker, so they asked others whether it would show up.

Reddit · r/CreditCards · 8 days ago

They applied for the Boundless during the flash offer and were denied for the first time ever despite being well under 5/24 and a Chase Private Client, and Chase tried to steer them to a business card.

Reddit · r/CreditCards · 8 days ago

They use and pay off their Sapphire Reserve every month and are a Chase Private Client, but after an unexpected Boundless denial they are considering taking their business elsewhere when it renews.

Reddit · r/personalfinance · 8 days ago

They opened a CIT HYSA for its high promotional-era rate, but it gradually dropped, so they moved to Fidelity Cash Management. They never needed customer service and found everything straightforward online.

Reddit · r/personalfinance · 8 days ago

They opened an E*TRADE account for a sign-up bonus, had trouble logging in, and found the support agent they called very helpful. They received the bonus afterward.

Reddit · r/personalfinance · 8 days ago

They had never needed customer service until opening E*TRADE, where verification problems and an unverifiable phone number meant a long wait for manual review before getting online access. They say it is fine now.

Reddit · r/CapitalOne · 8 days ago

They received a Capital One invitation to apply for the Venture, applied and were denied, leaving them annoyed at the hard credit pull for nothing.

Reddit · r/Revolut · 8 days ago

Switched their salary details to Revolut after seeing the offer, but a transfer from their partner was put on hold the same day with an investigation and requests for documents, so they changed it back the next day.

Reddit · r/Revolut · 8 days ago

Has had their salary paid into Revolut for almost two years without being blocked or closed, likes the income sorter feature and early pay, and found support good when asking for a human.

Reddit · r/CreditCards · 9 days ago

Applied for the card in August for the points-based welcome offer, found the points more flexible than free night awards, and is going for the second part of the offer too.

Reddit · r/CreditCards · 9 days ago

Signed up for the card days before the four free night offer appeared and asked Chase to switch offers; the rep declined, though they are not too bothered by the spend requirement of their existing offer.

Reddit · r/CreditCards · 9 days ago

They took a chance applying for the Marriott Bonvoy Boundless while sitting exactly at the 5/24 limit and were rejected, matching another commenter's experience in the thread.

Reddit · r/CreditCards · 9 days ago

They applied for the Boundless right around their Chase card anniversary and were instantly approved, even while sitting right at the 5/24 line.

Reddit · r/CreditCards · 9 days ago

They had just dropped below 5/24 the month before and were instantly approved for the Boundless during the flash offer, with no extra review.

Reddit · r/CapitalOne · 9 days ago

Their secured Quicksilver never graduated, but about ten months later they were approved for a Savor and a VentureOne, after which they closed the secured card.

Reddit · r/CreditCards · 9 days ago

They were approved for a Capital One Quicksilver with a security deposit and plan to pay the deposit and use it, though they first wondered what happens if the deposit is never paid.

Reddit · r/CapitalOne · 9 days ago

They have had the Quicksilver since their credit repair days over a decade ago but rarely use it, calling the limit too low and the interest too high. They keep it in a safe with a small monthly charge to avoid closure.

Reddit · r/fidelityinvestments · 9 days ago

Trades on Fidelity and reports lags, glitches, loading issues and sell orders not filling even when the bid fell below the limit. Calls the platform a big piece of trash for active trading and says he would not use it.

Reddit · r/fidelityinvestments · 9 days ago

Says Fidelity sometimes rejects a second market order for the same stock submitted right after the first because it is too similar to the last one, and that it has been like this for years.

Reddit · r/fidelityinvestments · 9 days ago

Uses Fidelity for both checking and savings and also has the Fidelity credit card, with no problems. Says the customer service is superior to any bank they have used.

Reddit · r/CreditCards · 10 days ago

Recently opened the card on the points-based welcome offer and wishes they had waited for the newer offer with four free night awards instead.

Reddit · r/CreditCards · 10 days ago

They were approved for the Boundless right after dropping to 4/24, having waited for a better welcome offer and prefering points over free nights. They were happy with the record-high points offer.

Reddit · r/CreditCards · 10 days ago

They applied for the Boundless for the elevated offer and were denied, losing a hard inquiry. They have strong credit and a Chase checking account, and believe Chase strictly enforces its 5/24 rule.

Reddit · r/CreditCards · 10 days ago

They opened the Boundless a month before the flash points offer appeared and feel the larger points bonus is much better than the free night certificates they took.

Reddit · r/everydollar · 10 days ago

After a decade as a paying member, the budget-locking update made it unworkable overnight, so they built a custom Excel spreadsheet with AI help and cancelled the subscription.

Reddit · r/fidelityinvestments · 10 days ago

They call Fidelity Baskets horrible because some of their positions are stuck in limbo. They were told the engineering team would take about a week to respond.

Reddit · r/personalfinance · 10 days ago

They use the Chase Sapphire Preferred to book hotels and flights for free worth far more than the annual fee, and argue carrying a fee card makes sense for disciplined users.

Reddit · r/CapitalOne · 11 days ago

They opened the secured card earlier this year, had its limit raised automatically after a few months, and it later graduated to unsecured without a request. They paid on time and kept utilization low.

Reddit · r/CapitalOne · 11 days ago

They have held the secured card for about a year and a half without it graduating despite never missing a payment and low utilization. They were approved for a SavorOne and plan to close the secured card.

Reddit · r/CapitalOne · 11 days ago

Their Platinum Secured card took about four and a half years to become unsecured, and the credit limit stayed the same through all that time.

Reddit · r/CapitalOne · 11 days ago

After a first-ever returned payment on a Quicksilver held for ten years, they called right away and were told the account would not be closed, though online stories left them worried.

Reddit · r/amex · 11 days ago

After weighing a targeted upgrade, concluded the Everyday card with no annual fee suits their grocery spending better than the Preferred.

MoneyRecs · Ben · 11 days ago

I mostly open this to clear the transactions waiting for review and see where the spending is going. That's enough for me. Having the upcoming bills on the same screen is handy, especially when the current balance looks more generous than it really is. I still check the categories instead of accepting everything in one go. Takes a little attention, but I prefer that to opening a spreadsheet and deciding I'll deal with it later.

MoneyRecs · Maricel D. · 12 days ago

Used it to send money to my mom once a month. On a weekday the rate was good, and the app shows the fee and exactly what she gets before you hit send. I found out the hard way that exchanging on the weekend adds a markup on the free plan, so after that I only sent Monday to Friday. Then in month eight a transfer got held and my account was restricted for a review. I uploaded my ID and pay stubs twice. The chat kept handing me to the bot, and when I finally got a person they just said my case was with the team. Eleven days without access to my own money, then it was unlocked with no explanation. The monthly transfer goes through Wise now. I only keep a little in Revolut for when I travel.

MoneyRecs · Priya S. · 12 days ago

We run a two person bookkeeping practice and our internet, phone lines and office supply store runs all go on this card. The 5% in those categories is the whole point, and a firm our size never gets close to the $25,000 yearly cap. Client lunches earn 2%. No annual fee. con: my starting limit was only $3,000, so for the first year I was paying it down mid cycle. There's a 3% foreign transaction fee as well, so it stays home when I travel. Still the card I'd keep if I had to cut down to one for bills.

Reddit · r/CapitalOne_ · 12 days ago

VentureOne came with the highest starting credit line they had seen at Capital One, so they moved that line over to their SavorOne using the manage credit lines feature in the app.

Reddit · r/TheRaceTo10Million · 12 days ago

A partial transfer out to Robinhood did not work and a call to E*Trade could not explain why; they also believe its margin rate is higher than rivals'.

Reddit · r/CapitalOne · 12 days ago

They upgraded a Platinum to a Savor with an increase, but their Quicksilver Secured has had perfect payments for seven months with no graduation yet. They credit Capital One with helping them through a hard time.

MoneyRecs · Priya S · 12 days ago

Two years in, my husband and I finally know where the money goes. Worth the $109.

Reddit · r/CapitalOne_ · 13 days ago

Opening a new VentureOne brought a credit line almost double the one they were refused as an increase on a SavorOne after a year and a half.

Reddit · r/CryptoTax · 13 days ago

Importing many tiny IBIT fee transactions produced hundreds of missing cost-basis warnings that had to be reviewed one by one, with no way found to batch them.

Reddit · r/personalfinance · 13 days ago

They use a VentureOne as their own starter card, paying it off in full every month, mainly to earn some miles on regular spending instead of nothing.

Reddit · r/CapitalOne · 13 days ago

They were approved for Quicksilver and received the card, but the account was restricted for weeks over identity verification while living abroad. Repeated document submissions were rejected without a clear explanation.

Reddit · r/CapitalOne · 13 days ago

They opened a Quicksilver expecting a sign-up bonus after meeting the spend requirement, never received it, and support told them there is no bonus on their version of the card.

Reddit · r/CapitalOne · 13 days ago

They have seen their Quicksilver limit raised several times, first unprompted when they carried higher balances and later by requesting an increase every six months, without a hard pull.

Reddit · r/CapitalOne · 13 days ago

After several denied credit line requests for a new account, their Savor limit was finally increased once the account had aged.

Reddit · r/MonarchMoney · 13 days ago

Likes the interface but the endless bugs, Amazon issues and rules that do not work became truly exhausting, so they migrated to Monarch.

Reddit · r/Revolut · 13 days ago

Five years with no issues, then their account would not verify their identity despite all information provided, and finds customer service futile.

Reddit · r/Revolut · 13 days ago

Used it without hassle for years, but lost money during the recent outage and found support alarming, with AI or a different agent every few messages, so closed the account.

Reddit · r/Revolut · 13 days ago

Had a small RevPoints balance and kept hitting errors when trying to redeem it for vouchers. Ended up donating the points to charity and switched off RevPoints.

Reddit · r/fidelityinvestments · 13 days ago

Uses the Cash Management Account as a main account but was hit twice by problems with Fidelity bill pay when paying credit cards, and points others to the many similar reports.

Reddit · r/fidelityinvestments · 13 days ago

Has had the account for a few months and calls it great; the only complaint so far is the website erroring when ordering checks.

Reddit · r/fidelityinvestments · 13 days ago

Has used Fidelity cash management accounts for everyday checking for around 15 years with no issues and no regrets.

Reddit · r/fidelityinvestments · 13 days ago

Has used the Fidelity cash management account, brokerage and credit card as a full banking setup for close to ten years and could not be happier with it.

Reddit · r/fidelityinvestments · 13 days ago

Moved over from Ameriprise intending to self-manage and found the free advisor calls steered toward paid management and skipped their agenda, though the transfer help was good.

Reddit · r/CreditCards · 13 days ago

Keeps the card because the yearly free-night award more than offsets its low annual fee.

Reddit · r/CreditCards · 13 days ago

Keeps the Hyatt card for its annual free night, which can be worth much more than the fee.

Reddit · r/CreditCards · 13 days ago

Barely spends on it beyond work travel, but the travel credit and anniversary points cover the annual fee.

Reddit · r/CreditCards · 13 days ago

Keeps the card for free checked bags, discounted award flights and early boarding, with credits offsetting the annual fee.

Reddit · r/CreditCards · 13 days ago

Keeps the Marriott Boundless alongside an IHG card because the annual free night more than covers the fee.

Reddit · r/ynab · 13 days ago

Tried Monarch for a while but the lack of zero-based budgeting was the killer, being hardwired to zero-based budgeting.

Reddit · r/ynab · 13 days ago

After seven years on YNAB, was pushed toward Monarch by YNAB's home screen advertisements, finding ads on top of a paid subscription so offensive.

Reddit · r/everydollar · 14 days ago

After years of use, a recent update locks closed monthly budgets completely so you can't go back to log refunds or delayed charges from two months ago.

Reddit · r/CreditCards · 14 days ago

They only recently realized Active Cash cash back converts to points one to one and regret having kept using their Citi Double Cash or Apple Card, praising the travel, gas and food earning.

Reddit · r/CapitalOne · 14 days ago

Converted an older Platinum to the regular Quicksilver about four years ago and likes the no annual fee and 1.5% cash back, though a second conversion left them holding duplicate cards they do not need.

Reddit · r/CapitalOne · 14 days ago

They have held their Quicksilver for years without any credit limit increase, in contrast to their Discover cards, which raise the limit readily.

Reddit · r/CapitalOne · 14 days ago

They found their Venture X starting limit generous but later credit limit increases unpredictable, one coming unprompted after they used it to book a vacation and paid it down.

Reddit · r/CapitalOne · 14 days ago

They started with a Platinum that was upgraded to Quicksilver, alongside a Savor, and have never paid interest by paying the statement balance. They use it lightly and may leave it in a drawer with a small recurring purchase.

Reddit · r/CreditCards · 14 days ago

Has used the card with Sam's Club and Walmart apps for about four years and finds it earns the online rate only about half the time, with workarounds like physical gift cards.

Reddit · r/CreditCards · 14 days ago

Tried many checkouts and Walmart locations with Walmart Pay and could not find a pattern for when the card codes the purchase as online.

Reddit · r/fidelityinvestments · 14 days ago

Has used it as a checking replacement for a few months and says it behaves like a normal checking account while paying a solid yield; uses a small BofA account for Zelle.

Reddit · r/fidelityinvestments · 14 days ago

Uses it as a primary account and finds bill pay and direct deposit entirely fine, with free ATM reimbursement and a yield that matches or beats most high-yield savings accounts.

Reddit · r/fidelityinvestments · 14 days ago

Has used the account as their main checking for around two decades and calls it generally great, with free ATM withdrawals and checks and decent interest.

Reddit · r/fidelityinvestments · 14 days ago

Moved most of their banking to the account and found consolidating everything time-consuming, but says Fidelity's customer service has been superb so far.

Reddit · r/fidelityinvestments · 14 days ago

Likes the account but had it frozen briefly by Fidelity's anti-fraud checks once in over ten years, and now keeps tested bill pay at Schwab and a credit union as a fallback.

Reddit · r/fidelityinvestments · 14 days ago

Has used the account for banking for three years and calls it great, paired with a Capital One 360 account for Zelle and cash deposits.

Reddit · r/fidelityinvestments · 14 days ago

Has used it for four to five years with no issues, but found the move from their old bank slow because Fidelity holds incoming pulled transfers for days.

Reddit · r/fidelityinvestments · 14 days ago

Switched earlier this year and is fine with everything so far, with the exception of bill pay, where mailed checks take at least two weeks to arrive.

Reddit · r/fidelityinvestments · 14 days ago

Uses the account as their only bank account for everything for over a decade; the only mild annoyance is the lack of Zelle.

Reddit · r/fidelityinvestments · 14 days ago

Found setting up payments from non-Fidelity accounts and linking a bank to be a pain, with the process crashing, and is considering scrapping it.

Reddit · r/fidelityinvestments · 14 days ago

Calls the account one of their best financial choices and says it works effortlessly, wishing only that the app showed check deposit images and pending transactions like the website.

Reddit · r/fidelityinvestments · 14 days ago

Meets a free Fidelity advisor about once a year as a DIY investor; the team respects that and has never been pushy.

Reddit · r/CreditCards · 14 days ago

Got the Cash+ and spent six months cycling spend to use it for utilities; says the rewards calculations had to be fixed by calling in but it was worth the effort.

Reddit · r/CreditCards · 14 days ago

Uses the quarterly 5% utilities category but does not earn it on their water bill because it is coded as a government organisation rather than a utility.

Reddit · r/ynab · 14 days ago

Tried Monarch for a few months but found the inability to reconcile unsettling and never knew if they could trust their budget.

Reddit · r/ynab · 14 days ago

A long-time YNAB user who tried Monarch for several months, found a beautiful UI but could not warm up to the budget feature, and is now trying Copilot.

Reddit · r/ynab · 14 days ago

A long-time YNAB user trying Copilot after Monarch, calling it a gorgeous app while still finding its budgeting lacking.

Reddit · r/personalfinance · 14 days ago

Likes Monarch after tracking finances for years, making a yearly budget and checking in about halfway through, with the detailed tracking available but the higher-level view working well.

Reddit · r/personalfinance · 14 days ago

Has used Monarch since before it had AI categorization, and says categorization did not seem to get any better.

Reddit · r/personalfinance · 14 days ago

Moved to Monarch but thinks they should have kept YNAB, as they enjoy manual categorizing and kept up with it better by entering transactions as they happened.

Reddit · r/personalfinance · 14 days ago

Finds with Monarch they must wait for transactions to show up before accepting and categorizing them, and cannot enter them manually without creating duplicates.

Reddit · r/investing · 14 days ago

Chose Fidelity to move their Roth from E-Trade and says they are very glad they did.

Reddit · r/CreditCards · 15 days ago

They opened their United Explorer card in early September and hit the spend requirement within days, but the authorized user bonus miles still had not posted weeks later.

Reddit · r/CapitalOne · 15 days ago

They applied for the Venture and received the card, but it never appeared in their online banking, and customer service repeatedly asked for identity documents across several calls without resolving it.

Reddit · r/CreditCards · 15 days ago

They have held the Venture X since late 2023 but do not travel much themselves, and with lounge access now limited to the primary holder they question whether the card still pays for itself.

Reddit · r/CreditCards · 15 days ago

They hold the Venture X alongside a Sapphire Reserve and praise its price protection and price matching on flights, which return the difference as a travel credit, plus perks like the Global Entry credit.

Reddit · r/CapitalOne · 15 days ago

They hold the Quicksilver for good credit, like it and want to keep it, and keep receiving emailed offers from Capital One to product change to the Savor.

Reddit · r/CapitalOne · 15 days ago

They had a fraudulent charge on their Quicksilver card and say fraud only ever happens on their Capital One cards, including debit cards they do not use, which they had disabled.

Reddit · r/CreditCards · 15 days ago

Runs the Everyday card alongside a Savor and finds the pair easy to manage, though it is not good for use abroad.

Reddit · r/Revolut · 15 days ago

Had a large pile of RevPoints on their account that Revolut froze despite what they say were genuine transactions, and the accounts were closed shortly afterwards. Says a friend had the same thing happen.

Reddit · r/Revolut · 15 days ago

Could not complete the app's ID re-verification because the camera step kept freezing or failing, went through repeated support steps and a rejected complaint, and then had features restricted and closed the account.

Reddit · r/Revolut · 15 days ago

Says Revolut's app and reps could not provide the broker report needed for their yearly tax filing for two years, which led to trouble with the tax office.

Reddit · r/fidelityinvestments · 15 days ago

Long-time Fidelity customer who does not use its management services and meets the free advisor twice a year; finds him helpful and not pushy about selling anything.

Reddit · r/fidelityinvestments · 15 days ago

Says the Fidelity advisor pushed hard to move their 401k into a managed account for a larger fee and kept calling afterwards, leaving a poor impression.

Reddit · r/ynab · 15 days ago

Switched to Monarch this month after YNAB struggled to connect some accounts, and is very pleased so far.

Reddit · r/ynab · 15 days ago

Says YNAB has not delivered enough value for its price, with silly UI updates, imports that still work only half the time, and the same underwhelming reports for years.

Reddit · r/ynab · 15 days ago

Tried Monarch for a few days and ran straight back to YNAB, which they consider the best budgeting app currently.

Reddit · r/ynab · 15 days ago

Tried Monarch on a promo, calling it slick and great looking, but within six months was back on YNAB and let Monarch lapse, preferring zero-based budgeting to being a passenger.

Reddit · r/ynab · 15 days ago

Uses Monarch for their parents and loves it for investments, better import features, customization, an agentic interface and a more modern feel, though it is not zero-based budgeting.

Reddit · r/ynab · 15 days ago

Tried Monarch and says support was unhelpful and would not even respond to their ticket.

Reddit · r/ynab · 15 days ago

Tried Monarch for a few days and disliked that accounts were not connected, so recording a credit card payment meant two independent transactions that do not update together, a reconciliation risk.

Reddit · r/ynab · 15 days ago

Switched away because YNAB struggled to connect to some accounts during a very active month and, when it synchronized, was completely out of whack, defeating the purpose of automation.

Reddit · r/ynab · 15 days ago

Switched to Monarch recently because YNAB was too much of a pain for logging transactions and linking certain accounts.

Reddit · r/ynab · 15 days ago

Wants zero-based budgeting but switched to Monarch because categorizing in YNAB was so painful they budgeted less, citing weak auto categorization rules and four clicks to split a transaction.

Reddit · r/ynab · 15 days ago

A long-time YNAB user who switched two months ago and finds Monarch more proactive in tracking and monitoring.

Reddit · r/ynab · 15 days ago

Switched to Monarch permanently to track net wealth and because flex budgeting lets them set aggregate lump sums while still tracking spending, unlike YNAB which encouraged amassing underused cash.

Reddit · r/ynab · 15 days ago

Jumped to Monarch and is never coming back, saying it does not feel like having a second job to keep things organized.

Reddit · r/ynab · 15 days ago

Just signed up for Monarch and is pretty impressed, finding it more streamlined than YNAB, with easy receipt scanning, automatic splits and a helpful AI assistant for budget setup.

Reddit · r/personalfinance · 15 days ago

Started using YNAB 16 years ago but has reached a stage where not every dollar needs a job, and still grinds reconciling every cent while wanting gross-level cash flow and aggregated investments.

Reddit · r/personalfinance · 15 days ago

Says with Monarch you just change the categories you disagree with, that it is very easy to use, and that they love it.

Reddit · r/personalfinance · 15 days ago

Uses Monarch and really likes it, noting a lot of great extensions.

Reddit · r/investing · 15 days ago

Has a Roth with Fidelity and Robinhood; says Fidelity is great but its only real benefit for them has been being able to call someone, and they have called just once in eight years.

Reddit · r/investing · 15 days ago

Keeps all tax-advantaged accounts at Fidelity and a brokerage at E-Trade, saying E-Trade has the best interface but Fidelity's customer service is far better and it would be the one choice.

Reddit · r/investing · 15 days ago

Recently moved from Robinhood to Fidelity, finding Robinhood's UI much better and still using its app, but preferring Fidelity for its wide range of fund options.

Reddit · r/investing · 15 days ago

Praises Fidelity for international markets, fractional shares, good support and a decently good UI, saying it now handles most of their banking for functional purposes.

Reddit · r/investing · 15 days ago

Consolidated everything to Fidelity, finding Schwab fine but liking Fidelity's interface better.

Reddit · r/investing · 15 days ago

Has used all three of Fidelity, Robinhood and Schwab and rates Fidelity by far the best, loving its UI, low and no cost funds, customer support and ease of setting things up.

Reddit · r/Revolut · 15 days ago

Says Revolut hotel bookings are marked up via Expedia and they have yet to find one worth more than about 1p per RevPoint versus a standard Expedia rate with cashback.

Reddit · r/CreditCards · 16 days ago

They applied for the Ink Business Cash after a raised bonus offer appeared in the Chase app and got instant approval, with a modest spending requirement that they expected to meet easily.

Reddit · r/CreditCards · 16 days ago

They opened the Ink Business Preferred and had to provide business and personal documents for approval. They have kept it since and later added an Ink Cash on top with an instant approval.

Reddit · r/CapitalOne · 16 days ago

They have held their Quicksilver for over 15 years as their first real card and still keep it, now using it only for retail discounts and cash back while travel goes on airline and hotel cards.

Reddit · r/CapitalOne · 16 days ago

They applied for the Platinum Secured to rebuild credit after past mistakes, were approved and paid the deposit quickly, and asked how long it stays secured and whether limits can grow.

Reddit · r/fidelityinvestments · 16 days ago

Started using bill pay for major bills but every bill was sent as a check and two of three were not processed.

Reddit · r/investing · 16 days ago

A former dedicated Schwab user who now finds Fidelity just better, citing cash swept into higher-yield T-bill equivalents and full dollar-amount limit orders, while saying Schwab representatives are smarter.

Reddit · r/investing · 16 days ago

Uses both Schwab and Fidelity and finds Schwab's interface better, since Fidelity needs several refreshes after a trade and lacks a combined account summary with allocation percentages, though Fidelity automatically invests cash.

Reddit · r/investing · 16 days ago

Uses both Schwab and Fidelity and finds Fidelity edges ahead in UI experience and total package, being low friction and powerful once learned, with everything from fractional stocks to T-bills, Roths, 401ks and HSA in one place.

Reddit · r/amex · 16 days ago

Many places in Prague did not accept the Gold.

Reddit · r/amex · 16 days ago

The Gold's hotel credits and baggage coverage make it pay them to travel.

Reddit · r/CreditCards · 16 days ago

Left after Bilt 1.0 and no longer trusts the company.

Reddit · r/CreditCards · 16 days ago

Won't do business with Bilt again after the end of 1.0.

Reddit · r/Revolut · 16 days ago

Converts RevPoints to Avios to fly out of London City Airport several times a year since getting Revolut Ultra and finds them absolutely worth their value.

Reddit · r/amex · 16 days ago

Bought two cars on the Platinum after letting Amex know.

Reddit · r/personalfinance · 17 days ago

They have sent money to family monthly through Western Union for about ten years and say they have never had any issues or been questioned about the transfers.

Reddit · r/CapitalOne · 17 days ago

They had this card closed along with their other Capital One cards after one bounced autopay following surgery, even though they fixed and remade the payment right away.

Reddit · r/CapitalOne · 17 days ago

They had this card closed along with their other Capital One cards after one bounced autopay following surgery, even though they fixed and remade the payment right away.

Reddit · r/CapitalOne · 17 days ago

They had this card closed along with their other Capital One cards after one bounced autopay following surgery, even though they fixed and remade the payment right away.

Reddit · r/CapitalOne · 17 days ago

They were repeatedly flagged as fraudulent despite sending ID and a face scan, eventually closed the card, and saw the remaining balance pulled from their linked bank account.

Reddit · r/CreditCards · 17 days ago

They started on a secured Quicksilver in 2024 that graduated to a regular card, but only got one small limit increase later and barely uses it, calling it a nothing card.

Reddit · r/CreditCards · 17 days ago

They were surprised to get an email saying their Quicksilver Secured card was upgraded to a regular Quicksilver with the deposit refunded, and are happy to wait for a limit increase.

Reddit · r/CapitalOne · 17 days ago

They activated a new Quicksilver and about six days later it still did not appear in their online dashboard, leaving them unable to pay for a purchase already made on the card.

Reddit · r/CapitalOne · 17 days ago

They were approved for a Savor as their second Capital One card and found it odd that it did not appear in their account right away, unlike other issuers that add new cards automatically.

Reddit · r/CreditCards · 17 days ago

Loves the Everyday card and calls the monthly Hulu and Disney credit awesome.

Reddit · r/Revolut · 17 days ago

After a week with support and four security calls, Revolut called the police on them, who questioned them despite support saying everything was fine.

Reddit · r/Revolut · 17 days ago

Says Revolut has ruled in their favour in a chargeback even after the merchant disputed it, though it took a couple of months.

Reddit · r/MonarchMoney · 17 days ago

Had a terrible problem with their bank breaking things via Plaid, and says Monarch help was great at restoring the mess others made.

Reddit · r/ynab · 17 days ago

Says YNAB altered their life for the better six years ago and helped them become debt-free, but the app and atmosphere have changed, and they feel the company is ending the relationship.

Reddit · r/churning · 17 days ago

Says the Point Accelerator is not worth it and prefers Bilt Cash for rent points and hotels.

Reddit · r/amex · 17 days ago

Bought a replacement car on the Platinum and floated it until the insurance check came.

Reddit · r/amex · 17 days ago

A big vehicle purchase on the Platinum was easy and earned points.

Reddit · r/amex · 17 days ago

Bought a car abroad on the Sapphire Reserve and came out ahead.

Reddit · r/amex · 17 days ago

Put part of two car purchases on the Platinum with no fees.

Reddit · r/Cambly · 18 days ago

Used it to move USD pay into a Mexican bank account as pesos and received funds within about 15 minutes, much faster than Stripe's three days, though Stripe has a slightly lower fee and better conversion rate.

Reddit · r/CreditCards · 18 days ago

They applied for the Rapid Rewards Plus after the sign-up offer increased, since they fly Southwest to school across the country. They were approved instantly with a higher limit than on their other cards.

Reddit · r/CapitalOne · 18 days ago

They were approved for the Venture after pre-approval, but after sending their ID the application was marked fraudulent with no explanation and no way to fix it, so they went elsewhere.

Reddit · r/CapitalOne · 18 days ago

They struggled to add their Capital One cards to a new iPhone and Watch; the Quicksilver only worked on the phone after many support calls that offered no real fix beyond waiting 30 days.

Reddit · r/CapitalOne · 18 days ago

They could not add their Venture X to a new phone or watch despite having the card in hand and being fully authenticated, and after many support calls were told to wait 30 days.

Reddit · r/CapitalOne · 18 days ago

They opened a Quicksilver Secured card while rebuilding poor credit, and seven months later it has not become unsecured nor returned the deposit. They also got small-limit Capital One cards despite bad credit.

Reddit · r/personalfinance · 18 days ago

They currently hold the Platinum card and want to move up to a card with better benefits, considering a Chase Freedom Unlimited and a limit increase request on the Platinum, and ask for suggestions.

Reddit · r/CreditCards · 18 days ago

They upgraded from an initial Platinum rebuild card to Quicksilver after about a year, then to Savor a year later. They still use that original Savor, which has no annual fee, nearly a decade on.

Reddit · r/Revolut · 18 days ago

Uses Wise as their main account and has been with it for eight-plus years without an issue, keeping Revolut only for its joint account feature.

Reddit · r/Revolut · 18 days ago

Freelance designer who used Revolut to issue invoices and accept payments and was locked out of their money for a second time in a month by outages, so is leaving.

Reddit · r/Revolut · 18 days ago

After ten years of heavy use and paid membership, is considering leaving because outages locked them out of the account twice a month.

Reddit · r/Revolut · 18 days ago

During an outage could enter their email but got Something went wrong after the PIN or face check, and the identity photo upload stuck, which they call unacceptable for a banking app.

Reddit · r/Revolut · 18 days ago

Was asked for their source of income, submitted it promptly and then heard nothing more after a review email; the account is still open and working.

Reddit · r/Revolut · 18 days ago

Has used Revolut for years without an issue while regularly trading crypto, though the account-closure stories in the thread have them planning to move funds out.

Reddit · r/amex · 18 days ago

Met the welcome bonus spend in about four months by using it as a debit card.

Reddit · r/fidelityinvestments · 18 days ago

Switched to Robinhood six months ago and finds support fine: a requested call comes within a minute and the rep is helpful.

Reddit · r/Revolut · 18 days ago

Support chat converted their RevPoints into money as a one-time goodwill gesture.

Reddit · r/Revolut · 18 days ago

Uses the Premium plan and finds that its bundled subscriptions more than pay for the fee, making it the sweet spot.

Reddit · r/CreditCards · 18 days ago

Got the card for no foreign fees and 3% at Exxon Mobil, but a recent Mobil app payment earned only 1%; support said it was ineligible without a clear reason, and they have since closed the card.

Reddit · r/CreditCards · 18 days ago

Uses the Venture X at Costco instead of the Costco card: the earnings are about the same, but the miles can be redeemed without waiting for a yearly coupon.

Reddit · r/CreditCards · 18 days ago

Uses the Ink Unlimited as the default Visa for Costco trips; the flat 1.5% back is modest but better than nothing between sign-up bonuses.

Reddit · r/CreditCards · 18 days ago

Has the Customized Cash Rewards card but dislikes how Bank of America applies payments and credits compared with Citi, enough to doubt the extra 1% is worth it.

Reddit · r/CreditCards · 18 days ago

Finds the Sapphire Reserve close to perfect for them, but wishes hotel and dining credits were easier to use and that it earned 3x on gas and groceries.

Reddit · r/CreditCards · 18 days ago

Has used the Active Cash for years without any problems, despite some people's dislike of Wells Fargo.

Reddit · r/CreditCards · 18 days ago

Uses Monarch for general financial planning; finds it hard to track card points with it, though its automation rules are robust.

Reddit · r/CreditCards · 19 days ago

They added an authorized user to their United Explorer card about two months in and waited roughly ten days for the bonus miles to post, with nothing showing as pending first. It did arrive in full.

Reddit · r/CreditCards · 19 days ago

The Global Entry credit makes the card worth keeping, and it still sees regular use despite a very low credit limit.

Reddit · r/CapitalOne · 19 days ago

They were approved for the VentureOne with a modest starting limit and shared this while congratulating the original poster on getting the regular Venture.

Reddit · r/Revolut · 19 days ago

Main bank since 18 or 19; has been asked for proof many times and it was solved easily and fast, with crypto and large transactions and no complaints.

Reddit · r/Revolut · 19 days ago

Used it just like a careful ordinary customer and their account has been restricted for over two months.

Reddit · r/Revolut · 19 days ago

Was asked for proof of employment and pay stubs after a check, supplied them and never heard from Revolut again.

Reddit · r/Revolut · 19 days ago

Tried a transaction from a Revolut trading account and the money never came out, twice in a week, with the live agent only promising a fix within 24-48 hours.

Reddit · r/Revolut · 19 days ago

Says Revolut blocked their account without sharing any info, restricted their own money while closing it, and kept asking for new bank details to delay the payout, with poor AI-driven support.

Reddit · r/personalfinance · 19 days ago

Left after support gave out account info without any identity validation.

Reddit · r/personalfinance · 19 days ago

Leaving after ten years because Ally could not resolve fraud charges it flagged.

Reddit · r/churning · 19 days ago

Redeemed Bilt Cash for hotels monthly; losing that devalues the card.

Reddit · r/churning · 19 days ago

Stacked hotel credit plus Bilt Cash was great for a two-night stay; the new cap is a loss.

Reddit · r/churning · 19 days ago

Plans to cancel Palladium cards over the latest Bilt changes.

Reddit · r/churning · 19 days ago

Says new rules kill the mortgage-via-Plastiq approach that relied on 4% Bilt Cash.

Reddit · r/churning · 19 days ago

Bilt Cash is more limited now that hotel redemptions drop to twice a year.

Reddit · r/CreditCards · 19 days ago

Best Bilt Cash uses were two hotel stays, so sticks with the old option.

Reddit · r/CreditCards · 19 days ago

Calls the 2027 changes a definite nerf to how they earned mortgage points.

Reddit · r/Revolut · 19 days ago

Contacted in-app support and had RevPoints reversed back to money once, as a goodwill gesture.

Reddit · r/CreditCards · 19 days ago

Loves YNAB despite a steep learning curve; automatic categorisation works well and fixing a wrong category is easy.

Reddit · r/CreditCards · 19 days ago

Uses YNAB as the place every credit card transaction lands and keeps card rewards in a separate spreadsheet, tracking redeemed cash back as its own YNAB category.

Reddit · r/CreditCards · 19 days ago

Uses Monarch to record every transaction rather than for budgeting, and likes how far its categories can be customised.

Reddit · r/CreditCards · 19 days ago

Plans to drop the Platinum before its annual fee: the credits feel like a coupon book they can't justify, and they prefer the Gold since they don't travel often.

Reddit · r/CreditCards · 20 days ago

A business owner values the Ink Preferred as a way to move points to employees' partner loyalty accounts without credit report impact, and relies on its shipping multiplier, preferring it over the Sapphire for business needs.

Reddit · r/CreditCards · 20 days ago

A former Ink Business Preferred holder dropped it after the Sapphire refresh, moving to the Sapphire Preferred and the no-fee Ink Cash instead. They would switch back if the Ink Preferred is refreshed to be more competitive.

Reddit · r/amex · 20 days ago

Applied after seeing a 300k points offer in the account but received only 150k after meeting the minimum spend, and chat and phone reps never resolved it despite screenshots of the application page.

Reddit · r/CreditCards · 20 days ago

They chose the Venture early in their card journey and have had no problems, booking a few flights with their miles. With more experience, they wish they had gotten the Chase Sapphire instead.

Reddit · r/CapitalOne · 20 days ago

They were alerted to an attempted fraudulent charge on their Discover It card, along with a small one that went through just before, and a replacement card was sent to them.

Reddit · r/CreditCards · 20 days ago

Both spouses use their cards for dining during the first-year promo and are happy with the 6% earn.

Reddit · r/Schwab · 20 days ago

Notes that buying Irish-domiciled ETFs through Schwab International requires calling the global desk and paying a per-trade fee, though they still prefer Schwab to IBKR.

Reddit · r/Schwab · 20 days ago

Could not get the global desk's per-trade fee waived even as a private client and found it ridiculous.

Reddit · r/Revolut · 20 days ago

Has only topped up through Apple Pay for years and never had a problem.

Reddit · r/Revolut · 20 days ago

Gambling winnings withdrawal was sent back by Revolut; after sending proof and everything requested the account was blocked and scheduled for deletion.

Reddit · r/Revolut · 20 days ago

Got flagged once, provided evidence, and it was settled and approved in about 30 minutes, with multiple five-figure transactions otherwise going through without issue.

Reddit · r/Revolut · 20 days ago

Has thousands on Revolut with zero problems.

Reddit · r/Revolut · 20 days ago

Left Revolut a few months ago, tired of constant referral nagging and app issues.

Reddit · r/Revolut · 20 days ago

An ordinary salaried person with no issues at other banks had their account closed after a simple debit-card top-up through Apple Pay.

Reddit · r/Revolut · 20 days ago

Had their account closed forever over one transaction to a friend, and finds support bad.

Reddit · r/Revolut · 20 days ago

Bought a house using Revolut and uses it as an everyday bank for years, with only occasional hour-long blocks on large transfers.

Reddit · r/Revolut · 20 days ago

Has transferred large amounts in crypto, stocks and to and from banks, been investigated twice, and found that supplying what Revolut asked for sorted it.

Reddit · r/Revolut · 20 days ago

Account was restricted for several days; support first called it a routine security review, then a specialist-team escalation, with no timeframe given for regaining access.

Reddit · r/ynab · 20 days ago

Found YNAB through a book at a bookstore, says it transformed their financial life and left them ready for retirement with total command of expenses, using about 40% of its capacity because the philosophy is what works.

Reddit · r/amex · 20 days ago

Uses the Resy, Dunkin, Uber and Dash credits.

Reddit · r/CapitalOne · 21 days ago

One day after approval and before the physical card was even printed, the account was blocked for suspicious activity and required uploading ID and bank verification documents.

Reddit · r/CapitalOne · 21 days ago

They have had ongoing fraud on their Quicksilver for weeks, with recurring charge attempts continuing through several replacement cards. Their card lock kept turning itself off and support could not block the merchant.

Reddit · r/fidelityinvestments · 21 days ago

Has used ATMs across Southeast Asia on the Fidelity CMA card for months and always been reimbursed.

Reddit · r/CreditCards · 21 days ago

Holds three of the cards so each can take a quarterly cap of online shopping spend on Amazon.

Reddit · r/Revolut · 21 days ago

Had their account soft banned, with transactions failing though they could still add funds, with no explanation.

Reddit · r/Revolut · 21 days ago

Their legitimate long-running Italian e-commerce business had its Revolut merchant account closed within two hours with no reason or explanation, and found customer service embarrassing.

Reddit · r/ynab · 21 days ago

A ten-year customer and evangelist who got half a dozen friends to sign up but will not renew, saying changes over the past 18 months made YNAB increasingly frustrating to use.

Reddit · r/ynab · 21 days ago

Says YNAB has implemented several of their feature requests over the last year, including removing the busywork of approving matched transactions, and the new home tab they did not ask for has grown on them.

Reddit · r/ynab · 21 days ago

Finds mismatched transactions get auto-approved when buying the same item daily, so the cleared balance stops matching the bank and they must reconcile more often, which is now more work than the old manual approval.

Reddit · r/ynab · 21 days ago

Has used YNAB since 2016 and has basically never had any issues.

Reddit · r/ynab · 21 days ago

Remembers YNAB before it became a web app, but says the main web interface still works better for them than anything else, while the iPhone app does not suit them at all.

Reddit · r/ynab · 21 days ago

Almost ten years with YNAB, then downloaded Zerosum to run both until renewal and within ten minutes deleted the YNAB app, then deleted the account and got a refund.

Reddit · r/ynab · 21 days ago

Cancelled at renewal after using YNAB since 2011, now using AI for monthly analysis, saying YNAB has made no real improvement to its offering to justify the cost.

Reddit · r/ChaseSapphire · 21 days ago

Product change to the Flex took about five minutes.

Reddit · r/personalfinance · 21 days ago

A rental-car mirror damage claim was refunded without issue.

Reddit · r/amex · 21 days ago

Excellent travel card; pays off travel with points.

Reddit · r/amex · 21 days ago

Uses the Platinum for FHR bookings and the credits.

Reddit · r/amex · 21 days ago

Uses the Gold only for dining at 4x.

Reddit · r/amex · 21 days ago

Gave up the Gold after tiring of the coupon and credits game.

Reddit · r/amex · 21 days ago

Finds the Gold barely worth it after the annual fee.

Reddit · r/ChaseSapphire · 21 days ago

Moved from CSP to the Palladium and earns a lot of points.

Reddit · r/ChaseSapphire · 21 days ago

Found the rewards system extremely confusing.

Reddit · r/ynab · 21 days ago

Says YNAB's bank sync works fine across their credit union and bank accounts and they'd keep using it even at the higher price.

Reddit · r/M1Finance · 22 days ago

Fractional shares and low borrow rates were worthwhile advantages, and transferring everything out proved easy, though hefty fees charged on exit were covered by the receiving brokerage.

Reddit · r/CapitalOne · 22 days ago

They never saw their Quicksilver Secured graduate, so they closed it, got the deposit back, and were then approved for a Venture with a good limit and sign-up bonus.

Reddit · r/Revolut · 22 days ago

Uses both Monzo and Revolut and found Revolut woefully unprepared for the outage, while Monzo's contingency plan kept their direct debits and card payments working.

Reddit · r/Revolut · 22 days ago

When first routing their salary to Revolut in France they were asked for evidence, sent a payslip and the process was completed within the hour without the account being locked.

Reddit · r/Revolut · 22 days ago

Has used Revolut for years, now a UK bank so their money is protected, with no issues.

Reddit · r/Revolut · 22 days ago

Says Revolut helped them when their traditional bank locked them out of their accounts for over a week, and in four years Revolut has never locked them; still advises splitting between banks.

Reddit · r/Revolut · 22 days ago

Says they have been locked out of their Revolut account for weeks and that Revolut support has been no help.

Reddit · r/Revolut · 22 days ago

Says that each time they needed Revolut's customer service they were fairly impressed by it.

Reddit · r/Revolut · 22 days ago

Uses Revolut as their main bank in Poland with PKO BP as a secondary, with no problems for six years.

Reddit · r/Revolut · 22 days ago

Says Revolut is now having problems almost daily and threatening to restrict their account for no reason.

Reddit · r/Revolut · 22 days ago

Revolut customer since 2019 on the Metal plan with no problems, praising the app, instant transfers and travel features, but advises keeping a second bank for outages.

Reddit · r/CreditCards · 23 days ago

Received no retention offer early this year and downgraded to a Custom Cash instead.

Reddit · r/Schwab · 23 days ago

A few months in, it's easily one of the best checking accounts available.

Reddit · r/Bogleheads · 23 days ago

They use Vanguard Digital Advisor, which bought only total US and international stock funds in an aggressive profile, because work rules keep them from self-directing, and recently found they can tweak the split and funds.

Reddit · r/CapitalOne · 23 days ago

They turned a Savor into a Quicksilver and found credit limit increases slow, with one request denied before only a small bump on the second try. They wonder whether the card is bucketed.

Reddit · r/CapitalOne · 23 days ago

They have kept their Quicksilver for around ten years and rarely use it, and it has had just one limit increase. They also converted another older card to Quicksilver for the cash back, with no increases since.

Reddit · r/CapitalOne · 23 days ago

They converted a Savor into a Quicksilver and find its credit limit barely moves, with only tiny increases, which they believe means it is bucketed compared with their other card that keeps rising.

Reddit · r/Revolut · 23 days ago

Paying Premium customer for three years whose personal account holding savings was blocked without warning, leaving them without access for over a week.

Reddit · r/Revolut · 23 days ago

A standard check on their UK account took three months, ending with conflicting messages and the account restored, so they are removing their funds.

Reddit · r/Revolut · 23 days ago

During an outage Revolut charged them about nine times for the same transaction two days later.

Reddit · r/Revolut · 23 days ago

Has used Revolut since 2018 and even received their salary there without ever getting a source-of-funds check.

Reddit · r/Revolut · 23 days ago

Account restricted and then permanently closed over small friend transfers for a Christmas gathering, even after all the friends signed a document explaining it.

Reddit · r/Revolut · 23 days ago

In a constant back and forth with Revolut about a restricted account, unable to take money out of savings and even struggling to afford food or petrol, with no reason given.

Reddit · r/Revolut · 23 days ago

On holiday in India they were left without income during the outage, and payments authorized multiple times still await refunds that Revolut says depend on the beneficiaries.

Reddit · r/Revolut · 23 days ago

Revolut began demanding a lot of documents on a three-year-old business account, leaving them in an AI-reviewed verification loop, so they are moving to a local bank.

Reddit · r/ynab · 23 days ago

Says YNAB is definitely worth the money for showing where money goes, planning ahead, letting every family member have a spending plan at no extra cost, and flexible tracking.

Reddit · r/ynab · 23 days ago

Used Claude Code to build a YNAB clone that may not have everything but is good enough and even connects to their bank accounts through SimpleFin.

Reddit · r/CreditCards · 23 days ago

Phone insurance was removed in exchange for dropping the foreign fee; little value left alongside other Chase cards.

Reddit · r/CreditCards · 23 days ago

Phone protection claim was easy.

Reddit · r/Revolut · 23 days ago

Has used Revolut since 2020 as their main bank for their UK paycheck and reports not a single issue since.

Reddit · r/churning · 23 days ago

Ten FHR nights in Asia cost very little out of pocket.

Reddit · r/churning · 23 days ago

Still slightly ahead in year two but expects a negative year three.

Reddit · r/churning · 23 days ago

Found a good THC hotel in Copenhagen with breakfast and a credit.

Reddit · r/fidelityinvestments · 24 days ago

They hold Fidelity Go with an aggressive mix that has not been changed, and say they would not mind if Go adjusted the strategy during market corrections since that is what they signed up for.

Reddit · r/personalfinance · 24 days ago

They applied for the Savor Student card as a first card while working part time and were denied because of a medical bill in collections that is on a payment plan. They were denied on the Discover student card too.

Reddit · r/personalfinance · 24 days ago

They applied for the Discover it Student Cash Back card as a first card and were denied because of a medical bill in collections that is on a payment plan, alongside a Savor Student denial.

Reddit · r/CapitalOne · 24 days ago

They started with a solid limit on their Quicksilver and were given a credit limit increase after only about six months of use, so they dispute the idea that the card is bucketed.

Reddit · r/personalfinance · 24 days ago

They rebuilt their credit and now rotate between two Quicksilver cards, paying them off monthly, but feel the small cash back is nothing special and are looking for better options.

Reddit · r/personalfinance · 24 days ago

They use their Quicksilver as an everyday card for the flat cash back rate, alongside an Amazon card and a Chase Freedom card for category spending.

Reddit · r/personalfinance · 24 days ago

They use a Savor for groceries and their Quicksilver for everything else, paying both off monthly, and are in no hurry to look beyond Capital One.

Reddit · r/personalfinance · 24 days ago

They pair a Savor for groceries and dining with a Fidelity Visa for everything else, and like that neither has spending caps, rotating categories, an annual fee or foreign transaction fees.

Reddit · r/personalfinance · 24 days ago

They have tried Citi, Alliant and Bank of America cash back cards but settled on the Fidelity card because it was easier, with rewards deposited straight into their brokerage account.

Reddit · r/personalfinance · 24 days ago

They use the Fidelity Visa as their everyday card, praising the flat cash back rate, the perks and the absence of an annual fee.

Reddit · r/personalfinance · 24 days ago

They used to hold the Citi Double Cash but a fraud dispute over an Airbnb charge went against them for months until they submitted extensive paperwork, after which they closed the account.

Reddit · r/personalfinance · 24 days ago

They use their Amex Blue Cash Preferred only for groceries and gas because other cards pay better elsewhere, and recommend it to people who cook at home a lot.

Reddit · r/CapitalOne · 24 days ago

Their Quicksilver was closed for suspicious activity that turned out to be their own small payments made to pay the balance down.

Reddit · r/personalfinance · 24 days ago

They have used the Citi Double Cash as their go-to card for many years and value that it earns a flat 2% cash back on everything they buy.

Reddit · r/Revolut · 24 days ago

Charged ten hours after a refused payment during an outage and refunded the next day after complaining to support; had moved their money elsewhere in the meantime.

Reddit · r/Revolut · 24 days ago

Revolut froze their business account over a small transaction and now wants to hold funds 90 days to prevent chargebacks despite no chargebacks ever.

Reddit · r/Revolut · 24 days ago

After only requesting an address update and sending a signed rental agreement, their account was restricted, with no card use or transfers and generic support replies without estimates.

Reddit · r/Revolut · 24 days ago

Uses Revolut as their main bank and says all payments at shops, gas stations and restaurants went through during the outage, just charged slightly later.

Reddit · r/Revolut · 24 days ago

Their Revolut card worked normally throughout the outage, with only a delayed-payment notice hours later.

Reddit · r/Revolut · 24 days ago

Has had the account frozen twice and now only uses Revolut to buy things online without exposing their main bank, sending the exact amount needed.

Reddit · r/Revolut · 24 days ago

When their ABN AMRO bank had an outage nobody could pay in stores but Revolut worked, and they still prefer Revolut each day.

Reddit · r/MonarchMoney · 24 days ago

Tried the Monarch MCP for the first time, asked it to find critical concerns in three months of data, and it found 12 items, half of which needed clarifying notes; pleased and would recommend.

Reddit · r/MonarchMoney · 24 days ago

Finds Monarch's own AI assistant getting better, now answering previously wrong prompts correctly and returning responses much faster than before.

Reddit · r/MonarchMoney · 24 days ago

Joined Monarch a week ago after years at YNAB for clear reports and all accounts in one place, and has been using Claude through MCP to bulk categorize transactions and clean up rules.

Reddit · r/MonarchMoney · 24 days ago

Left Plaid because syncs were flaky and force syncing did nothing, and says Finicity is not much better for Capital One, whose sync never updates; MX also does not pull holdings.

Reddit · r/MonarchMoney · 24 days ago

Feels Monarch has finally become stable at connecting to their accounts and syncing reliably, including their largest Schwab account via Finicity, so they are hesitant to change providers.

Reddit · r/ynab · 24 days ago

Built a local app that uses the YNAB API to connect to their data and shows far more than the Toolkit extension, which they found eye opening.

Reddit · r/CreditCards · 24 days ago

Uses the Flex more than the Freedom Unlimited.

Reddit · r/CreditCards · 24 days ago

Likes the Flex paired with the Sapphire Preferred and Venture X.

Reddit · r/CreditCards · 24 days ago

Still uses it in grocery and dining quarters and as its gas card one quarter a year.

Reddit · r/CreditCards · 24 days ago

Product changed the Freedom Unlimited to the Flex and says it is worth it.

Reddit · r/CreditCards · 24 days ago

Great for the quarterly categories, 7% on dining in the current quarter.

Reddit · r/CreditCards · 24 days ago

Most quarters are uninteresting but the good ones are really good.

Reddit · r/CreditCards · 24 days ago

Downgrading and sock-drawering after the Hyatt devaluation.

Reddit · r/CreditCards · 24 days ago

Won't cancel over the FHR change but says it is no longer a no-brainer.

Reddit · r/CreditCards · 24 days ago

Enjoyed trying FHR hotels for one night when the credit made them competitive.

Reddit · r/CreditCards · 24 days ago

Got the card in August and used only one hotel credit before the change.

Reddit · r/churning · 24 days ago

The $300 hotel credit was a game changer for them.

Reddit · r/churning · 24 days ago

FHR got them into hotels they'd never have tried.

Reddit · r/churning · 24 days ago

Edit price matching has gotten them excellent deals.

Reddit · r/churning · 24 days ago

Keeps it for lounges, but the benefit cuts test that.

Reddit · r/churning · 24 days ago

Checking in with the Platinum skipped a lounge waitlist.

Reddit · r/churning · 24 days ago

Lounge waits kept them out for two years.

Reddit · r/churning · 24 days ago

Keeps the Venture X for the DFW lounge and the travel credit.

Reddit · r/churning · 24 days ago

Benefits were cut weeks after they signed up.

Reddit · r/churning · 24 days ago

With FHR cut and fewer Resy options, little value is left.

Reddit · r/churning · 24 days ago

Always uses the full Resy credit in NYC.

Reddit · r/churning · 24 days ago

Downgrading after the fee posted.

Reddit · r/churning · 24 days ago

The FHR credits changed how they book hotels.

Reddit · r/churning · 24 days ago

Finds the credits inflated and will probably drop the card.

Reddit · r/churning · 24 days ago

Uses the hotel credit for two-night stays in Asia.

Reddit · r/churning · 24 days ago

The FHR credit turned the Business Platinum into a keeper.

Reddit · r/churning · 24 days ago

Has used FHR for about 25 stays at fun, unusual hotels.

Reddit · r/CreditCards · 25 days ago

Has had the Apple Card since it launched but finds it does little for their daily purchases, since they rarely use the bonus merchants or Apple Pay. Considers closing it for a card matching their spending.

Reddit · r/CreditCards · 25 days ago

Uses the Apple Card as a 2 to 3 percent rewards card for Apple Pay, Uber, some gas purchases and gift-card deals, and likes the interest-earning rewards and 0% payment plans at Apple.

Reddit · r/CreditCards · 25 days ago

Called Amex this month about retention offers on their own Gold Card and found none available. They suggest still making the call before closing, but keeping expectations low.

Reddit · r/CapitalOne · 25 days ago

They accepted the regular Venture for its first-year welcome offer after not being pre-approved for the X, and feel the offer makes it behave like a Venture X for the first year at the lower annual fee.

Reddit · r/CapitalOne · 25 days ago

They picked the regular Venture over the Venture X for the same first-year welcome offer, were approved with a decent limit, and plan to reassess the card and its hotel credit once the first year is over.

Reddit · r/CapitalOne · 25 days ago

They were approved for the Venture the week before posting and call it a wonderful card, joining the original poster in celebrating their own successful application.

Reddit · r/CapitalOne · 25 days ago

They have held their Venture for some time and say Capital One has raised their credit line a great deal along the way, offering encouragement to a new cardholder who just got approved.

Reddit · r/CapitalOne · 25 days ago

After a payment bounced on their Quicksilver, support said the card should not close and noted the account; the card stayed open once the returned payment posted, though hardship help had to wait.

Reddit · r/personalfinance · 25 days ago

After the Discover merger, this reviewer closed their account because of a strong dislike of Capital One, which they say outweighs more than 20 years with Discover. They cite Capital One's high complaint volume.

Reddit · r/CapitalOne · 25 days ago

Their first card was the Secured Platinum, which graduated to unsecured after about six months and was changed to Quicksilver. They have been stuck at a low limit with only tiny increases offered and are close to closing it.

Reddit · r/Revolut · 25 days ago

Revolut generated a glitched savings statement that wrongly showed large savings, which led to their hardship grant being declined with no reapplication for six months.

Reddit · r/Revolut · 25 days ago

Was charged for a failed in-store payment after waiting for someone to bring them money, and says the app failed them.

Reddit · r/Revolut · 25 days ago

Revolut restricted their account with all their savings, first citing an investigation until the 16th, then closing the support conversation without explanation, and on Ultra a callback just gave the same generic AI answer.

Reddit · r/Revolut · 25 days ago

Account restricted on 4 October and still under review, with their wife's and multiple business accounts also restricted, and a formal complaint answered only with a generic reply.

Reddit · r/Revolut · 25 days ago

Client since 2017 with no issues until Revolut suddenly began investigating a few transfers to a friend from a year earlier.

Reddit · r/Revolut · 25 days ago

As an Ultra user who used the personal account for business payments, had it closed, and says it took over a year and a half to get their money back.

Reddit · r/Revolut · 25 days ago

Has used Revolut for eight years with no problems until a one-day outage, which also hit other banks.

Reddit · r/Revolut · 25 days ago

Says Revolut made them jump through far too many hoops just to deposit their income.

Reddit · r/Revolut · 25 days ago

As an expat, got their first loan to buy property abroad thanks to Revolut and says it changed the game, despite some issues with the company.

Reddit · r/MonarchMoney · 25 days ago

An account dropped via Plaid and reconnecting made a duplicate; contacting Monarch is painful, with a reply after 24 hours and no response to the follow-up after 48 hours, and they want the user to fix the merge.

Reddit · r/MonarchMoney · 25 days ago

Says their institution keeps not showing transactions despite being re-added, with no solution offered beyond a resync, and will likely not renew.

Reddit · r/ynab · 25 days ago

Says YNAB has a pretty steep learning curve but is the best of the best and worth taking the time to learn, with a huge online community and strong YouTube resources.

Reddit · r/ynab · 25 days ago

Did not like YNAB, finding it way too complicated and disliking linking bank information, and uses Pocket Clear instead; they love the concept but it did not work for their brain.

Reddit · r/ynab · 25 days ago

Says YNAB has saved them stress since retiring, and credits it with helping them plan and afford several trips abroad.

Reddit · r/MonarchMoney · 25 days ago

Says they and their wife love Monarch, which keeps adding every small feature other apps lacked for accurate bookkeeping, and they tell every couple they meet to have it.

Reddit · r/Schwab · 25 days ago

Does not want to spend time squeezing a few extra cents but values that Fidelity's automatic cash sweep earns hundreds of times more than Schwab's 0.01% with no effort.

Reddit · r/Schwab · 25 days ago

Uses a Fidelity CMA like checking and calls the auto sweep the most important feature, since two to three months of expenses now earn interest instead of sitting idle while staying liquid.

Reddit · r/Schwab · 25 days ago

Says Fidelity fails biometric login and makes them redo it now and then, whereas they never had a problem at Schwab, and sees the lack of auto sweep as the one thing Fidelity does better.

Reddit · r/ChaseSapphire · 25 days ago

Finds the split StubHub and dining credits hard to use and the card too expensive for the value.

Reddit · r/CreditCards · 26 days ago

Nearly two years in with no credit limit increase ever granted, including a denied manual request, despite keeping investments at Fidelity; the low starting limit is frustrating.

Reddit · r/CapitalOne · 26 days ago

They found their months-old Quicksilver declining at several merchants and then vanishing from the app. Support told them to call back later, and the card turned out to be closed over fraud and could not be reopened.

Reddit · r/CapitalOne · 26 days ago

They used a Quicksilver Secured for years while rebuilding, never got a limit increase or a graduation to unsecured, but later received Savor and Quicksilver offers and still use the old card for streaming autopays.

Reddit · r/CapitalOne · 26 days ago

They opened the Platinum Secured in May 2025, got the deposit returned and the card turned unsecured, and it has now been upgraded to Quicksilver. They are excited about the cash back and rewards ahead.

Reddit · r/Revolut · 26 days ago

Revolut offered only a small sum for giving a stranger with the same name access to their full account while locking them out, so they went to the ombudsman.

Reddit · r/Revolut · 26 days ago

A large transfer got stuck somewhere while Wise kept saying it arrived, and after a long complaint they offered a small compensation and the money came back four months later.

Reddit · r/Revolut · 26 days ago

During an outage, the Revolut app did not work while all their trip money was on it and they were in Malta.

Reddit · r/Revolut · 26 days ago

During an outage, a grocery payment was cancelled at the shop, which was embarrassing.

Reddit · r/Revolut · 26 days ago

Has sent and received a lot of crypto money through Revolut without trouble.

Reddit · r/Revolut · 26 days ago

Found Ultra travel insurance does not kick in unless 75% of a holiday is paid through Revolut, making it a useless perk for them.

Reddit · r/Revolut · 26 days ago

A supermarket payment that appeared to fail was charged seven hours later during an outage, even though they had paid with cash in the store.

Reddit · r/Revolut · 26 days ago

Super happy with Revolut for eight years, as is half their family, who are prepared with cash and a backup card for outages.

Reddit · r/Revolut · 26 days ago

During an outage in Japan could not buy a train ticket to the airport and was saved only by a backup card and cash.

Reddit · r/Revolut · 26 days ago

During a Revolut outage their only card was declined for the bus and they could not reach live chat, forcing a six-mile walk home in the cold.

Reddit · r/Revolut · 26 days ago

Found out about a Revolut outage on the way to an urgent medical appointment, could not pay for transport or the appointment, and has filed a formal complaint.

Reddit · r/Revolut · 26 days ago

Switched to Revolut almost a decade ago because their German and Hungarian basic accounts could not pay abroad without fees, and has had no issues since.

Reddit · r/Revolut · 26 days ago

Calls Revolut a godsend as a foreigner in the UK and frequent traveller, but was almost stranded in Nepal during the outage and is less of a fan now.

Reddit · r/Revolut · 26 days ago

During the outage in Vietnam, could not pay a lunch bill or book a ride with the Revolut card, with the app only showing a transaction limit error and support messages also failing.

Reddit · r/Revolut · 26 days ago

Moved all their cash into Revolut the morning of an outage and had zero access to their own money, and says an earlier transfer took over eight days.

Reddit · r/expats · 26 days ago

Sent a large transfer from a US account to a European bank through Wise and it worked fine, though they were nervous while waiting for it to clear.

Reddit · r/expats · 26 days ago

Finds Wise better than a credit union wire for smaller amounts, and likes being able to set up the Wise US account as an external account to move money easily.

Reddit · r/expats · 26 days ago

Has transferred large amounts through Wise without any issues.

Reddit · r/fidelityinvestments · 26 days ago

After two weeks and over ten hours E*Trade could not transfer an inherited IRA from a Morgan Stanley managed account, Fidelity completed it seamlessly in two days with a knowledgeable agent.

Reddit · r/investing · 27 days ago

They tried Webull for margin borrowing and found its Premium accounts offer lower rates than Interactive Brokers, but say they are not impressed with the broker at all so far.

Reddit · r/CreditCards · 27 days ago

They applied for the card through their LLC and were denied with an unusual reason about business size and legal entity type. They were frustrated that the issuer apparently does not offer reconsideration.

Reddit · r/CapitalOne · 27 days ago

They have held the Quicksilver Secured since early in the year, paid on time, and are waiting to graduate to an unsecured card but are frustrated by how low the limit has stayed.

Reddit · r/CapitalOne · 27 days ago

They kept the Quicksilver Secured for two years without it graduating, and a limit increase meant adding to the deposit; they eventually closed it after Capital One gave them a Savor and other cards.

Reddit · r/CreditCards · 27 days ago

They have held the Quicksilver for years as their oldest card but find it kinda useless now that they also carry a 2% Double Cash card. They want to move to a Savor for the dining and grocery bonus categories.

Reddit · r/CreditCards · 27 days ago

They have kept a Quicksilver open since around 2010 as one of their oldest cards and just leave it in a drawer, using it to hold credit history rather than for rewards.

Reddit · r/CreditCards · 27 days ago

They used the Quicksilver far less than their Savor because they already carried 2% cards, so the flat 1.5% rate never earned a place in their regular card rotation.

Reddit · r/CreditCards · 27 days ago

They own the Savor card and like it, saying it works well for vacation spending. They are happy enough with it to recommend it to others weighing a switch from a Quicksilver.

Reddit · r/investing · 27 days ago