u/Tough-League4538

My lender wasn't giving me a competitive renewal offer so I reached out to a broker which was able to to get something quite a bit better and my current lender wasn't willing to match it so I singed a commitment letter with the new lender. Fast forward two weeks later, the account manager sends me an updated renewal offer which matches the new lenders offer.

So now I'm wondering if I can back out of my commitment letter and stick with my current lender and save all of the hassle of switching everything over. Because with both offers being equal now, if there's one small hiccup at closing with the new lender I'll be losing money.

But I also know that the broker will probably be pissed if I back out now so I'm at a loss as to what to do and here looking for advice. We're still 45 days out and haven't signed anything other than the commitment letter yet.

This might be a really dumb question but does anyone have experience using a pre booked transfer since the new EES process was implemented and how they handle delays? I've seen people say customs can take anywhere between ten minutes and two hours and would hate to be charged wait time or declared a no show if we pre book a transfer and it takes two hours to get through customs.

We have a large group so I was hoping to pre book a van but I guess worst case we could go to the taxi stand and split up into a couple different taxis.

Edit: the sms code was auto filtered into my google messages spam folder. So if you're having the same issue with the Visa codes check there first.

I saw one post about this from 7 months ago and was wondering if anyone else has had this issue lately. I'm going to Europe next month and was trying to buy some attraction tickets online with my VIP card and got sent to the Visa secure code screen but the 2FA code never showed up. This was yesterday and even now I don't have the code anywhere in my messages. It's just slightly concerning/annoying because I was planning to use this card for all my Euro purchases to save on the FX fees.