Surprised they didn't offer you any sort of retention. I call to threaten to cancel every year and they just waive the AF.
I was too but barely touch my Barclaycards any more (had the Sallie Mae cashback as my daily user before they discontinued it). From what I've read they do pay attention to consistent vs dormant cardholders.
Yeah I'm hard pressed to get rid of my Delta Amex for this reason. It's 400 a year but at least I get a free flight
So i took a retention offer of 25000 MR for 3k spend (5k instantly - 20k after spending 3k in 3 mos). Messed up with timing of the fee & would've received a prorated refund of 470 odd instead of the full 550. With Airline credit, Uber & Saks, I guess it should be OK with 1 year.
My wife is a retard, as many of you know from the other thread. Get the Marriott 100k points card, and she freaks out that it’s a terrible deal because you pay $95 for it in the first year (really just want the bonus). Instead she wants the chase sapphire with 50k points and no first year fee. Justification: her twin sister has it and likes it.
She’s one of these people that thinks credit cards are the devil. Didn’t have a credit card until she was 27.
Looking at getting a new card. Currently only use CSR for essentially every purchase I make. Probably gonna get the Chase Ink Business Preferred to get that 80k points. Anything else I should be looking into? I'm a 26, single male, so majority of my spending is regular bullshit like groceries, dinners, travel. My company pays for my gas, so I don't spend anything there. Spend shouldn't really be an issue as I can pay my rent for my roommate and myself on it ($1,900) which would put a good dent into it (unless this is a bad idea for some reason I don't realize).
Ink is a good choice for sure Categories don't matter at this point for you if you're under 5/24. One bonus is more than you'll make in years in category spend
If you need a referral, I’d be glad to assist. https://referyourchasecard.com/m/21/6L5/FRN2/1545598897 Earn 80,000 bonus points with Chase Ink Business Preferred. I can be rewarded, learn more.
its super easy, we were selling a bunch of stuff when we moved so i considered that my income, ssn as tax id, made business name just my name, etc SHAMELESS REFERRAL https://www.referyourchasecard.com/21/2GSD3N289G
T no. Make it a sole proprietorship. You’ll also will have an opportunity on the application to add your personal income.
What factors play the most important in deciding which kind of credit card to get? I’ve never had one before and feel I should get one to start building credit.
I spend money on random tidbits. I pay for gas, rent, telephone, insurances, and I’ll be spending more money for groceries soon enough. Also will be driving 600 miles roundtrip 2-3 times a month soon, so gas will be a good portion of my expenditures. My girlfriend is coming to the U.S. for her MBA, so maybe I can put her trips to Panama on my card to gain more advantages. In the near future, though, I don’t intend to travel a whole lot, not until I get married in a couple years. I’ve never had a credit card, so I would assume that I have no credit history, but I really have never tried to look anything up. I saw my parents get a bit in debt when I was younger, so I figured I would wait to get one until I was sure I was responsible enough with my money and habits.
No sir. I saved while I went to junior college to pay my way through university. I’d had some help from my family for certain things, but fortunately I didn’t have to borrow too much. All paid up, now, same with my car.
how aggressive do you think you'll be in the credit card game here? Do you just want one card or are you going to be a degenerate or somewhere inbetween?
Your girlfriend should get the Chase Shapphire Reserve for the global entry and buying her flights/ the travel insurance/ travel points. And for the signup. You should get it for reasons too.
My girlfriend wouldn’t qualify as she doesn’t have a social security number (at least, I believe that to be a requirement). I don’t think I will be super aggressive with it, I’ll just try to shift my monthly payments to it as well as groceries, gas, and meals.
Yeah, your GF won't get it and you won't get a CSR yet. I would say that if you're only going to get one card and be a 1 out of 10 agressive: Get the Citi DoubleCash and just have that be the end of it. You won't get points but you'll get 2% back on everything and that sounds valuable to you. There are no referrals or bonuses for this card. If you want to be a little aggressive (like a 2-3 out of 10 aggressiveness) - get the Citi AA platinum. It's $99 a year with the first year waved. Get the bonus and after exactly one year, just after the $99 fee hits, call Citi and have it switch to the free Doublecash and get that 2% I mentioned above. No referrals, but you could get five one-way flights to Panama out of the bonus. So that's nice. Only problem is you might get rejected for it with your lack of credit history I think a better option if you ever plan to dabble in big savings in the future (you don't need to be super aggressive, just if you want to get a few cards a year to get a bunch of free trips) is the Chase Freedom: only $150 bonus to start but no annual fee and most people itt would suggest getting in with Chase to build your credit for future big savings (most all of us travel for free). Editor's note, I do have a referral you're not obligated to use but if you get the card it doesn't hurt you, it just helps me https://www.referyourchasecard.com/2/GGZ4P9B3TQ
Awesome, thanks man. Much appreciated. I’ll look into these options and I’ll use your referral should I go with Chase.
Not sure if you’d wuakify with no credit history, but Discover It Cashback Match is a good, simple starter option as well. Basically becomes 2% on everything and 10% on bonus categories the first year
ohhaithur I’ve seen you say that your dog has an AAdvantage account, is that so you can get the targeted CC offers in the mail & then get another Citi AAdvantage card from the code in the targeted offer?
Speaking of this, it seems like it has been a month or longer since I signed up my dog and also my friend Johnny Sevens and have yet to get a mailer to the house. How long does it typically take?
Interesting....so they don’t ding you for having another of that same card within the last 2 years & you still get the bonus from it?
I’ll be damned - so if I’m eligible to apply for another one because I converted the last one I had to a Citi Double Cash in July 2016, should I go ahead & apply without an offer code & then apply again with an offer code me or either one if my dogs gets in the mail?
Going to be planning a honeymoon soon so I figured I might as well get back into the CC/points game to at least get a free flight. As it currently stands, honeymoon location hasn't been discussed (and therefore it's hard to pick a specific airline), but I'm thinking either Mediterranean, Caribbean, or French Polynesia (in that order). Preferably I'd like to get two tickets in either business or first class, but I realize that may be a stretch without already having miles accrued with a particular airline. Nevertheless, what is currently the best general sign up bonus for accruing points/miles towards flights? Given the uncertainty around the destination, my initial thoughts were to go with SPG Amex, but due to the upcoming devaluation I'm not sure that's accurate anymore, or if they will continue the 5k bonus points on each 20k point transfer to airlines. For what it's worth, I anticipate having around 60k UR points around the time of booking that I'd be willing to spend on this. TIA
If you change your mind from that one and decide to do the Chase Business Ink Preferred then a number of people in here (myself included) have referrals.
CSP and a Freedom, which was downgraded from a CSR. Not sure how that counts against 5/24. I obtained the CSR in January 2017, so at least 1 hit against 5/24 and potentially 2 (if the Freedom counts against it).
Chase apparently realized I had just started in the card churning game and reduced my available credit on the CSR and CSP from around $18k and $16k to $5k for each card. Not sure how to take this. Someone tell me how I should feel.