New Wyndham Credit Cards
Jul 28, 2022, 8:24 pm
#181
Original Poster
Join Date: Feb 2009
Posts: 6,605
The rate I got is excellent, my loan officer was up front with me and told me the underwriters were super conservative and new credit applications during the process could result in the loan not closing but they offered a cash out refinance which would result in more debt 🤔
According to Wells Fargo My Fico was 817 in Feb, 815 in March, 819 in April, 820 in June and 820 in July..................I opened 3 new cards during that time period according to the report and my credit utilization is 1%.
Oddly enough Citi denied me a premier card last month stating I had too LITTLE credit utilization, lol
Last edited by flyer4512; Jul 28, 2022 at 8:31 pm
Aug 4, 2022, 8:18 am
#182
Join Date: Dec 2018
Posts: 825
Better safe than sorry but if your credit history is solid an app or 2 probably wouldn't effect anything..............if you have a credit monitor ( Credit Journey is free at Chase and Fargo gives free Fico scores) you can see how little opening a card effects your score.
According to Wells Fargo My Fico was 817 in Feb, 815 in March, 819 in April, 820 in June and 820 in July..................I opened 3 new cards during that time period according to the report and my credit utilization is 1%.
Oddly enough Citi denied me a premier card last month stating I had too LITTLE credit utilization, lol
According to Wells Fargo My Fico was 817 in Feb, 815 in March, 819 in April, 820 in June and 820 in July..................I opened 3 new cards during that time period according to the report and my credit utilization is 1%.
Oddly enough Citi denied me a premier card last month stating I had too LITTLE credit utilization, lol
Aug 4, 2022, 11:42 am
#184
Original Poster
Join Date: Feb 2009
Posts: 6,605
Good deal , I tried to get it but was denied, probably because I cancelled my personal NAF earner card a bit over a month ago so not enough time had passed.
I never had the Earner Plus card so if I was denied because they still think I have the Earner open I'll call the recon line.
I never had the Earner Plus card so if I was denied because they still think I have the Earner open I'll call the recon line.
Last edited by flyer4512; Aug 4, 2022 at 3:57 pm
Aug 4, 2022, 12:10 pm
#185
Join Date: Jan 2002
Location: Charlotte NC USA
Programs: Hyatt Globalist, AA Exec Plat, Alaska 75k, IHG Diamond, Wyndham Diamond, Hilton Diamond
Posts: 863
Aug 10, 2022, 3:14 pm
#186
Original Poster
Join Date: Feb 2009
Posts: 6,605
Good deal , I tried to get it but was denied, probably because I cancelled my personal NAF earner card a bit over a month ago so not enough time had passed.
I never had the Earner Plus card so if I was denied because they still think I have the Earner open I'll call the recon line.
I never had the Earner Plus card so if I was denied because they still think I have the Earner open I'll call the recon line.
I recieved a denial letter stating I could only have one card for this product, I called Barclay today and they checked to see my card was cancelled and I was approved for the Earner Plus.
Aug 28, 2022, 8:06 pm
#187
Join Date: Dec 2018
Posts: 825
Does anyone know how long it takes for the 10% off go free rewards to appear. I applied and was approved on Friday for the earner + but go free rewards still are showing 30k for wyndham grand clearwater beach, edit i now see you must have the required points for your stay for the discount to appear.
Last edited by Beachchaser; Aug 28, 2022 at 8:17 pm
Sep 27, 2022, 7:51 pm
#188
Join Date: Nov 2012
Location: Everywhere else
Programs: Miles and frowns, IHG aluminum
Posts: 346
Is this churnable under 24 months? For some reason I thought it was a 2 year rule, but upon looking at the T + C I don't see any language as such.
If I cancel my current Wyndham biz card how long until I can reapply?
If I cancel my current Wyndham biz card how long until I can reapply?
Sep 28, 2022, 3:04 pm
#189
Original Poster
Join Date: Feb 2009
Posts: 6,605
Barclay is too iffy for me to risk not being able to get the business card again.
We can and do Churn the Wyndham personal cards, latest churn was we held the Earner cards a year or so, cancelled and got the Earner plus...............60K Wyndham points posted for each of us this week, AF is $75
Nov 8, 2022, 9:26 am
#191
Join Date: May 2022
Posts: 2,255
Wish I could transfer them to my account to keep them alive a little longer
Nov 22, 2022, 10:21 am
#192
Join Date: May 2022
Posts: 2,255
I decided to cancel P2's card. Canceled Friday the 4th. Logged in today and I see the annual fee has already been refunded. The 15k anniversary points are still there, so will see if they let me keep them.
Wish I could transfer them to my account to keep them alive a little longer
Wish I could transfer them to my account to keep them alive a little longer
Nov 22, 2022, 4:45 pm
#193
Original Poster
Join Date: Feb 2009
Posts: 6,605
I decided to cancel P2's card. Canceled Friday the 4th. Logged in today and I see the annual fee has already been refunded. The 15k anniversary points are still there, so will see if they let me keep them.
Wish I could transfer them to my account to keep them alive a little longer
Wish I could transfer them to my account to keep them alive a little longer
If P2 has a Caesars account you can transfer the points back and forth and reset the 4 year and 18 month expiration every year.
Either way the 15K expires in 4 years ( hard) or 18 months so you have at least 17 months to book a room using the points.
I believe Wyndham has a shopping Portal which will also extend the 18 month expiration.