Go Back  FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > Credit Card Programs
Reload this Page >

Alliant CU VISA, 3% cash 1st yr, then 2.5% (Capped). Fee waived 1st year.

Alliant CU VISA, 3% cash 1st yr, then 2.5% (Capped). Fee waived 1st year.

Old May 23, 2018, 10:26 am
  #136  
 
Join Date: Jan 2008
Location: Georgia
Programs: DL DM/2MM
Posts: 1,047
Originally Posted by holyPockets
I called and canceled this card on the same day its $59 annual fee posted (mid cycle). I called back when the statement cycle ended and a bill posted with a $59 balance to inquire about why there was a balance due on the account. Was told twice (after HUCA) that Alliant does not credit annual fees once they have been chargedeven if canceled on the same day it is charged.

Anybody else experience this or should I HUCA some more?
I got this card a year ago. If you plan to cancel after the first year, set a reminder in your calendar 10 months from now to cancel the card. I waited until the annual fee was assessed, and they flatly refused to refund the fee upon cancellation. Also, they charged the annual fee the 1st of the month rather than waiting until my statement closing date. Neither of these two practices is standard in the industry. In fact, it's the first time I've experienced either.

Also, they use an outside processor to run their customer service for credit cards.
safigan is offline  
Old May 25, 2018, 10:27 am
  #137  
 
Join Date: Jul 2017
Programs: UR, Marriott, AA, WN, Chick Fil A Red
Posts: 182
Originally Posted by danpeake
Not based on what others have said, I don't think. Was it referencing your bank account or the credit card?
I spoke to them this morning, and they said as long as I quit MSing with it they would keep the card open. This warning is from the recent VGC promotions where I only did about $30k. I've been putting some non-bonus organic on it, so I just plan to use it for that now I guess. It's disappointing it can't be used for volume on the obvious options for MS.
NeGourmand is offline  
Old Jul 25, 2018, 8:08 am
  #138  
 
Join Date: Apr 2014
Location: Prague, CZ
Posts: 25
Do they usually call to verify the application or can you apply solely online?
Also, has anyone tried to pay abroad? What is the exchange rate? Somebody posted that there is a 1% Visa ftf.
Prologer is offline  
Old Aug 24, 2018, 8:05 am
  #139  
 
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
Originally Posted by cdog999
Holy cow. Wish I would have known that. Guess I'll check back in a few months to make sure it was credited properly.
same here....knowing this fact too late for me too
coolguy100 is offline  
Old Nov 15, 2018, 6:32 am
  #140  
 
Join Date: Apr 2011
Location: USA
Programs: DL DI AA LTPL MAR LTPL HY GL
Posts: 477
Is it pretty consensus that they do not refund annual fees? I just saw annual fees and saw this thread. I guess I just have to use this card for another year at 2.5%...?
clockhand is offline  
Old Jan 16, 2019, 7:50 am
  #141  
 
Join Date: Jun 2010
Programs: Whatever's Cheapest, Accruing Miles, Redeeming for Premium Cabins, Not Chasing Status Unnecessarily
Posts: 2,264
RE ANNUAL FEE

i opened the account in september.

i secure messaged alliant to get the low down. it looks like in June their annual fee procedure changed. I'm assuming the message appears on the statement date that the warning appears or otherwise there is a conflict in the two dates mentioned below potentially:

"Visa Signature Fee Waiver - UPDATED PROCESS as of 6/14/18

Signature cardholders can request to avoid paying the annual fee if they make the request within 30 days from the date on which the following message appears.. "Your next billing cycle will include your $59 annual fee.You may avoid paying the annual fee by contacting us at 800-328-1935 to close your account no later than 30 days from the statement date.



Thank you,



Julie :

Feedback
aubreyfromwheaton is offline  
Old Mar 19, 2019, 1:22 pm
  #142  
 
Join Date: Jan 2011
Location: USA
Posts: 84
Downgrading Alliant VISA Signature

I have a 1.5 year old Alliant VISA Signature card with a $59 fee. Does anyone know if Alliant able to product change this to one of their no fee cards? If so do they do this properly without a hard pull or a new card showing up on my credit report?
FlawlessVictory is offline  
Old Mar 19, 2019, 6:05 pm
  #143  
 
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
Originally Posted by FlawlessVictory
I have a 1.5 year old Alliant VISA Signature card with a $59 fee. Does anyone know if Alliant able to product change this to one of their no fee cards? If so do they do this properly without a hard pull or a new card showing up on my credit report?
I don't really understand the purpose of this unless you hold a Chase Sapphire Preferred or something. 2.5% cash back is unbeatable unless you travel and can redeem for more than 2.5 cpm.
mikesyr18 is offline  
Old Mar 19, 2019, 7:16 pm
  #144  
 
Join Date: Jun 2002
Posts: 960
Originally Posted by mikesyr18
I don't really understand the purpose of this unless you hold a Chase Sapphire Preferred or something. 2.5% cash back is unbeatable unless you travel and can redeem for more than 2.5 cpm.
For those who spend less than $11,800 per year, a no-fee 2% card is better than a $59/year 2.5% card.
pdxer is offline  
Old Mar 20, 2019, 8:31 am
  #145  
 
Join Date: Jul 2018
Posts: 159
Originally Posted by FlawlessVictory
I have a 1.5 year old Alliant VISA Signature card with a $59 fee. Does anyone know if Alliant able to product change this to one of their no fee cards? If so do they do this properly without a hard pull or a new card showing up on my credit report?
Why not just get the Citi double cash card?
zack14 is offline  
Old Mar 20, 2019, 8:45 am
  #146  
mia
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,056
Originally Posted by FlawlessVictory
....without a hard pull or a new card showing up on my credit report?
Originally Posted by zack14
Why not just get the Citi double cash card?
Opening a DoubleCash card at Citi would require an inquiry and would show as a new account on FlawlessVictory's credity report.
mia is online now  
Old Mar 25, 2019, 1:20 pm
  #147  
 
Join Date: Apr 2010
Location: SFO
Programs: OZ *G; HH Diamond;
Posts: 1,649
Originally Posted by FlawlessVictory
I have a 1.5 year old Alliant VISA Signature card with a $59 fee. Does anyone know if Alliant able to product change this to one of their no fee cards? If so do they do this properly without a hard pull or a new card showing up on my credit report?
I can report a successful product change and the entry in credit report shows the same original "account open date".
No hard pull as well.
geclub1 is offline  
Old Mar 25, 2019, 1:56 pm
  #148  
 
Join Date: Apr 2018
Programs: Starwood, Marriott Rewards
Posts: 56
What did you downgrade to - the Platinum?
surfmonkey89 is offline  
Old Mar 25, 2019, 2:09 pm
  #149  
 
Join Date: Apr 2010
Location: SFO
Programs: OZ *G; HH Diamond;
Posts: 1,649
Originally Posted by surfmonkey89
What did you downgrade to - the Platinum?
It is listed in the account summary page as: Visa Platinum w/Rewards Plan.
surfmonkey89 likes this.
geclub1 is offline  
Old Apr 1, 2019, 11:19 pm
  #150  
 
Join Date: Apr 2019
Posts: 1
Has anyone else noticed that the signature card is now listed with an annual fee of $99? My annual fee is
about to post in a couple days and my last statement says it will be 59. Not sure if those who had
the card under the old annual fee are permanently grandfathered or not. I suppose I should look
through my past statements to see if this is mentioned at all
dcuaron is offline  

Thread Tools
Search this Thread

Contact Us - Manage Preferences Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service -

This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.