hey that worked but i also am under contract on a house so would likely be a terrible idea to do that right now rip
Both our credit scores are 800+, so I can’t imagine a charge card would affect us enough to change any qualifications or terms on the new mortgage
What is the best way to downgrade the amex platinum? I'm coming up on my 2nd year and I don't want to pay that $500 fee again. I hardly even used that card last year because of the pandemic.
I'm not sure about downgrading but I felt the same when my renewal came up in November and I called to cancel and they gave me a $500 statement credit no minimum spend so the card ended up only costing me $50 for the year.
Call them up and tell them you didn't get any use out of the travel benefits. You should get an offer of 50k MR points or maybe $500 statement credit. I took the 50k MR points. That, plus the $100 at Home Depot and Best Buy, plus $30 per month until June when paying with PayPal makes it a must keep card IMO.
Under the Amex Offers and benefits on the homepage there should be an offer for spend $50 at Best Buy get $50 back and spend $50 at Home Depot get $50 back and you're able to use both offers twice. For the paypal one you just need to add the card to your PayPal account and when you checkout pick paypal as the method and then that card and you get $30 free each month until June for anywhere that accepts Paypal. Those with the $200 travel credit that they have right now if you book through the Amex Portal and the Saks credit make the card well worth every penny.
he's right you know. I haven't used Saks yet for 1H 2021, but I have started on Paypal credits as I posted above, and I am up to almost $300 in Best Buy GC's and it's not even February.
FWIW, I think the Best Buy / Home Depot offers are showing up for people who've had the card on or before November 28th or similar.
Do you know if the $50 takes into consideration tax? I didn't see it on their offer terms. I just bought Miles Morales and realized it was $49.99 , but $53.49 after tax. I hope I end up getting it for $3.50.
Couldn't get it to work, but was inspired to check card match. Have the 125k offer there but I'm not sure I have 5k in CC spend the next six months.
Any Aspire guys who have had their Aspire annual fee hit during the pandemic get retention offers? My annual fee just hit and I'm debating whether to keep the card or downgrade it and was curious if anybody got some good offers recently. Also just so I'm aware if I downgrade to either the surpass or their no annual fee card does that mean I can't earn the signup bonus for that card in the future?
Big thing is it has to be bestbuy.com I needed a new financial calculator and so added two things of computer paper to get me over the hump. I did pick up in store and the lady on the phone said it wouldn’t count but I got a credit. Also got a 30 dollar PayPal credit already this month. B
Damn this worked but I got a message that due to Amex history of welcome offers, etc. I’m not eligible for this welcome offer. That blows. anyone know what actually triggers that? And is there a way to fix it?
Respect - their agents are always helpful. For $450 a year or w/e they better be. YMMV - you might still be able to earn that BB credit on your next online purchase (again, delivery instead of in store pickup) from them.
used both my best buy credits already, need to find something worth getting on home depot i kind of want to use one or two of the goldbelly credits but deciding and the actual cost of everything is nuts
https://www.doctorofcredit.com/repo...g-out-1099-misc-for-credit-card-signup-bonus/ This better not become a widespread thing. Would be a big blow to churning.
Haven't done much with credit cards last year or so due to closing on some properties. Have a gap now between closings and want to do something with Chase. Can't remember the best strategy but currently wife has chase saphire preferred and that's really it. Have a couple business ink cards for my companies but neither are linked to my social or me at all. What's my best course of action here?
Maybe I'm not remembering but I thought there was some strategy with chase and getting one and then you could downgrade it so you could get another one. Something along those lines.
I just called to cancel the Aspire card and they said I'll have a $500 statement credit coming on the next billing statement. So that card will be free this year.
Was surprisingly easy. Just called to cancel and they passed me to the retention team and she said I had been approved for a $500 retention offer for my Aspire when I called to cancel my Platinum back in November in addition to the $500 statement credit they gave me for my Platinum.
Thanks, I have both as well. How much spending is on those cards? Neither are my everyday card (CSR) so i'm wondering if I'll have been targeted/qualify.
Not as much this year. Only about $10k-$15k between the two. But prior to this year I would use my Aspire to book trips for work so spending was $40k+ between the two.
CSP and CSR offer the nice sign up bonuses. Freedom flex and Freedom unlimited are the downgrade options, with no annual fee and quality earning potential as everyday spend cards. You just need to keep one CSR, CSP or Ink Preferred to maximize the value of UR points. Any others can be downgraded after a year
I’m about to call Amex for my Schwab platinum. Hope it goes the same way. I’d prefer MR tho but will take anything.
Think I'm going to try and do a business Ink Preferred card with my personal info. That's 100,000 bonus points so that's pretty sweet. Probably wait a couple months and then do a chase sapphire referral from my wife.
newbie advice please - I keep thinking "oh yeah I need to get into that credit card points/free travel points thing" but like, it really only works if you (1) travel and spend a ton and/or (2) travel for work, is that accurate? Take me just an average earner household and max 3-4 trips a year type thing, there's really no point in me spending a lot of time opening up new credit cards and what not right? I have credit card cashback rewards already and get a few points/miles here and there with hotels/airlines but that's it. For a more precise measurement if needed, last year 2020 I spent approximately $13.5k on my top credit card.
I got $405 cashback or about 3%. I don't know about the bonuses. I think I will read the thread. Thanks.
The $60 door dash credit for CSR....do you have to do anything to activate that credit or you just automatically get it similar to the $300 travel credit? Also noticed that the $300 travel credit can be used for gas and I think groceries up until ~summer 2021.
Also 10x points on Lyft will be cool if they keep it going after I get vaccinated and start doing stuff again.
I feel like they're going to need to do something to maintain the card's value at some point. 3x dining was a big one and now you can get it for free.
OP answers a lot of questions. A single bonus should be worth more than that, I average about $600 per bonus when I do it
It's a $550 annual fee. You get $300 travel credit, $60 door dash. So really only $200 annual fee. Not bad.
I have Peleton and already paid the fee . My wife said they wouldn't let her apply the $120 when we've already paid. I guess I have to wait until next year.
When I got the CSR like 2 or 3 years ago , I think the consensus in this thread was it was one of , if not the best, all around cards. Is that still the consensus? I've been really happy with it but I don't' track this shit closely as yall do. If there's a better all around card I'd consider getting it.
I think it's the best card for those who are serious about using it to its potential. But an increased fee and less travel due to Covid definitely put asterisks on both of those points