Credit Card Thread - Now with a Beginner's Guide to free travel/FAQ

explain?

 

Correct. I switch between my wife and i so each person is looking at a new card every 4-5ish months.

 

More of a /tweet. I feel like the site is one big promotional avenue for credit card companies. The content posted on the site holds limited value.

Everyone’s posts on TMB detailing how they accumulated and spent their points has proven more valuable to me than whatever their contributors post to TPG.

 

TPG has a lot of good info, but you need to go in knowing he’s promoting products as well.

 

I use tpg for reviews on different airlines and hotels, I don’t think I’ve ever used any advice directly from him for cards

 

TPG once, on a post sponsored by Marriott, talked about how great it was for consumers that if they had 30,000 SPG points now they have 90,000 Marriott so their points tripled in value.

That's the norm for the site now

 

He's been a sellout for quite a while..

If you remember, he would pimp Chase Sapphire Preferred and tell people how that was the best chase card to get despite of a 100k signup bonus on the CSR - all for that sweet sweet affiliate money.

 

Typical TPG Article:

 

They had a review of a United economy+ seat/flight from SFO to Asia. Contributor showed how much legroom he had, while conveniently leaving out the fact no one was seated next to him.

Raved about the meals, yet no pictures or real review. Just an overall shit post and the comment section tore the person up.

 

I am not a TPG apologist, but they do put interns on much of that. With that said, they just announced they were changing (standardizing?) their review/scoring formula.

 

What is MS?

 

oh boy you've opened up a can o worms now

 

I've got CIP2, so doubt I'm being bad.

 

Oh, Manufactured Spending?

Yeah, that's a lot of work

 

You millennials these days .. can't even get yourself to go out and buy gift cards to liquidate via money orders.

 

I just hit a year on my CSP and want to upgrade it to a CSR (which I know you just call chase). Will upgrading count as a new opened card and against 5/24?

 

No and no

 

I think you can't upgrade in the same sense that you can downgrade because the CSR is a premium card so it has tougher approval qualifications. Also, I think in order to get the CSR you'd have to downgrade the CSP then apply for it because you can only have one Sapphire card at a time. So yes, it would be a new line of credit

 

Guess I'm wrong, could have sworn it has been said before that going up a card level has to be a new application

 

Is the CSR/CSP double dip only for people who don't fuck with CIPs? Or is it "if you're getting one, might as well get the other while you can"? That's a ton of spending required for 100k pts

 

No its for anyone as long as you havent gotten a sapphire card in the last 48 months.

Juice aint worth the squeeze imo. My method I spend about 30 minutes every two months on it.

 

Anyone in need of Delta Miles?

I've got a 75,000 refer a friend offer for the Delta Platinum. 195 annual fee... Has a companion pass and free checked bags...

 

Any good guides for using southwest business cards to get companion pass? We have about 8-10k in expenditures over the next few months and, assuming we can push those to January, I’m thinking about shooting for the companion pass for 20/21.

I already have the Southwest card (whatever the highest one is) but I’m assuming that doesn’t affect my ability to get bonus from Southwest business cards?

 

Worst part of moving: changing my address for 28 credit cards and 14 loyalty accounts

 

If you run up those cards, then you never have to pay the balance bc they don't know where to find you.

#LifeHack

 

Spend money on cards I'm not hitting minimum spend on? Pass

 

Amex Plat people

Spoiler

Anything on Saks? Need to pick up something for $50 credit before end of year. Would get a Peter Millar polo but don't see any below $89. First time I've looked though

 

Buy a GC in-store and use it with next year's credit

 

Is there any catch to promotional APRs? I got an offer for one on my CSR.

 

I never do either but shit happens and I'd accept assuming there was no drawback

 

I haven't seen the offer but generally there's no catch. It's just the same as a drug dealer giving a free hit to get you hooked and in debt forever

 

So I upgraded my CSP to CSR. My wife is an authorized user, so will we both get priority pass cards?

 

Unless I misunderstand, no. Just you.

 

Applied for my CIP5 and got 7-10 day'd. My wife graduated law school so my household income changed a lot since my last application and we also moved addresses. Im hoping they just want an address verification but we shall see.

 

Or you’re going to prison for fraud. Either way.

 

making the every two years SWA companion pass plunge.

anyone have a southwest rapid rewards business card referral for your boy?

 

Just submitted my application, I’ll let ya know.

 

Just picked up the new Apple Card, will I ever use it...no...did I just get it because it’s a metal card...yes. The low APR actually surprised me lmao.

 

I think it has a lower bonus

 

Kiehl’s face cream #selfcare

 

biz card 60k + personal card 40k bonus + the 4k in spend between the two, already at 104k. I can swing that to get to 110

 

https://www.referyourchasecard.com/226f/GA2AP405G

 

You in jail?

 

Chase $0.012/pt for apple products. Is that a decent value?

 

only if you're extremely points rich and kind of money poor or if you don't plan on traveling soon

 

Thanks again for your help in this thread. Free hotel stays for Disneyland, a couple LSU football games and last years Fiesta bowl all on points.