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

Discussion in 'The Mainboard' started by blind dog, Apr 10, 2015.

  1. ohhaithur

    ohhaithur e-Batman
    Donor

    I figured they would once they made that CSP rule.

    now the only people who can be referred:

    1. don't have more than 5/24
    2. haven't opened a CSP or CSR in the last 24 months

    That means they are fresh fucking meat. The percentage of morons to get this card via referral will make it profitable
     
    tjsblue likes this.
  2. EMAW FC

    EMAW FC Proud Smucker
    Donor
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsFulhamSporting Kansas CitySneakers

    i'm sure the points guy is licking his chops
     
    tjsblue likes this.
  3. ohhaithur

    ohhaithur e-Batman
    Donor

    he's had a referral link for months the fucker
     
    tjsblue likes this.
  4. EMAW FC

    EMAW FC Proud Smucker
    Donor
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsFulhamSporting Kansas CitySneakers

    i remember him pushing the CSP way more than the CSR in his posts before there was a referral link
     
    tjsblue likes this.
  5. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    They're all cunts anyway.That's why I only use doctorofcredit for such stuff.

    On a side note, finally got the Jet Blue Plus card approved after the 8-10 day automatic message. Small as hell credit limit but whatever. 40K points for 99$ a year (5000 anniversary bonus & Barclay card ends up waiving some part of the annual fee for retention anyway) is a great deal.
     
  6. Matt Foley

    Matt Foley RIP EARL
    Donor
    Georgia Tech Yellow JacketsAuburn TigersCarolina PanthersWofford Terriers

  7. NoNatty

    NoNatty Keyboard Cowboy
    Donor
    Oregon DucksPortland Trail BlazersSan Francisco 49'ersManchester UnitedPortland Timbers

    Chase 4th quarter freedom categories are Walmart and department stores.
     
    colonel_forbin likes this.
  8. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    :meh:
     
  9. tjosu

    tjosu This is kind of like the breakfast club, huh?
    Donor
    Oklahoma State CowboysHouston AstrosHouston TexansTiger Woods

    Walmart is my main source of shopping, that'll be a good quarter for me with Discover being Amazon
     
  10. EMAW FC

    EMAW FC Proud Smucker
    Donor
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsFulhamSporting Kansas CitySneakers

    disappointed
     
    colonel_forbin and pratyk like this.
  11. ohhaithur

    ohhaithur e-Batman
    Donor

    cal2431, Lipp and NoNatty like this.
  12. Matt Foley

    Matt Foley RIP EARL
    Donor
    Georgia Tech Yellow JacketsAuburn TigersCarolina PanthersWofford Terriers

    I know, I just got the email and wanted to throw it out there.
     
  13. colonel_forbin

    colonel_forbin Well-Known Member
    Donor

    I guess I'll have to start grocery shopping at Walmart and browse electronics deals there. The department store list is shit
     
  14. ohhaithur

    ohhaithur e-Batman
    Donor

    I have no new card to put a $3000 spend on to get a bonus :(
     
  15. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Citi Prestige
     
  16. tjosu

    tjosu This is kind of like the breakfast club, huh?
    Donor
    Oklahoma State CowboysHouston AstrosHouston TexansTiger Woods

    Has anyone used their Priority Pass for the lounges at O'Hare? Flying through Chicago on Wednesday and have a 3 hour layover there. Both the lounges there are in the international terminal and on the description it says "international flights from terminal 5 only." To me that sounds like those lounges are only for people traveling internationally but I was wondering if anyone could confirm/deny this
     
  17. C A N E

    C A N E Let justice be done though the heavens fall
    Donor
    Miami HurricanesMiami Heat

    They don’t care where you’re flying, but the terminals might be split up and you’d have to go through security possibly?
     
  18. C A N E

    C A N E Let justice be done though the heavens fall
    Donor
    Miami HurricanesMiami Heat

    Gonna get the Amex Gold next.
     
    ohhaithur likes this.
  19. C A N E

    C A N E Let justice be done though the heavens fall
    Donor
    Miami HurricanesMiami Heat

    PS: using AA points to get to Europe is the biggest fucking sham. British Airways charges $250 pp each way in fees.

    We’re either going to Asia again or just use the points domestically and go see the West Coast.
     
  20. tjosu

    tjosu This is kind of like the breakfast club, huh?
    Donor
    Oklahoma State CowboysHouston AstrosHouston TexansTiger Woods

    I'm thinking that's the case if I remember right from flying internationally into O'Hare but I was hoping I was wrong
     
  21. C A N E

    C A N E Let justice be done though the heavens fall
    Donor
    Miami HurricanesMiami Heat

    We flew through Ohare on our way to Tokyo and I’m thinking that’s why we didn’t use our PP
     
  22. PJP3

    PJP3 Well-Known Member
    Donor
    Colorado BuffaloesOakland RaidersFulhamLos Angeles Angels of AnaheimUnited States Men's National Soccer Team

    I think that's more of a UK/London thing than an AA thing. Every award ticket that goes through london charges ridiculous fees. Try to find something that doesn't route through London and you'll probably find better.
     
    BayouMafia, ohhaithur and texasraider like this.
  23. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    Delta skymiles people. How often are you getting free upgrades and shit?

    Potentially moving to a Delta hub and going to be flying a bunch the next few years so planning on playing the miles game with credit cards and such, but hearing Deltas overloaded on people with high status so its not nearly as beneficial as it seems.

    Also, really need that 70k bonus miles to come back.
     
  24. tjosu

    tjosu This is kind of like the breakfast club, huh?
    Donor
    Oklahoma State CowboysHouston AstrosHouston TexansTiger Woods

    That was not the case when I flew United there earlier this year
     
    PJP3 likes this.
  25. beist

    beist Hyperbolist
    Donor

    Based out of DTW. Agree, its not as beneficial as it seems. I was gold for the last several years and just hit platinum for the first time. I got upgraded to comfort every single time as gold and its automatic at platinum. As gold, I never got first class upgrades on commuter routes or hub to hub routes, but I got first class upgrades about half the time on the leisure routes. Only taken a few commuter trips so far as platinum and still have not gotten first class upgrades.

    Silver status is basically worthless in a hub city - everyone has a credit card that gets them status, zone 1/sky boarding, etc. I have been on flights where the gate agent announces that every single person on the flight is at least zone 1 so don't waste time huddling around the gate.
     
    Lyrtch likes this.
  26. PJP3

    PJP3 Well-Known Member
    Donor
    Colorado BuffaloesOakland RaidersFulhamLos Angeles Angels of AnaheimUnited States Men's National Soccer Team

    Guess I stand corrected then. Have always heard it as a common thing that flying through LHR on award tickets costs a lot for fees in general. I have seen this first hand on AA, BA, and Virgin Atlantic, but never flown United international.
     
  27. gordon bombay

    gordon bombay magician's alliance enthusiast
    Donor
    Georgia Tech Yellow JacketsAtlanta BravesAtlanta HawksAtlanta Falcons

    A lot depends on what hub airport and what route/time you are flying. I will say that as a gold I basically get upgraded to comfort+ 90% of the time. Upgraded to first is more rare but if it is a random time/day there is a pretty good chance of getting the upgrade.
     
    Lyrtch likes this.
  28. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    Been flying a lot lately and this is what I figured. Always seems like 90% of the flight is some pre board status.
     
  29. Volholic16

    Volholic16 Well-Known Member
    Donor
    Tennessee VolunteersAtlanta BravesNashville PredatorsGrateful Dead

    Speaking of Priority Pass, my lounge card says it expires October of this year. Does it automatically renew as long as I keep my CSR? Haven't really looked too closely.
     
  30. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    My new one came a couple of weeks ago, like a month before my old one was expiring
     
  31. Volholic16

    Volholic16 Well-Known Member
    Donor
    Tennessee VolunteersAtlanta BravesNashville PredatorsGrateful Dead

    Thanks. It was actually delivered today.
     
  32. ohhaithur

    ohhaithur e-Batman
    Donor

    I don't think I'm ever getting another American Express card. I can't hit minimum spend because no retailers want to take it. Even our Department of Motor Vehicles in Indiana won't take it
     
  33. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    I ended up putting rent on it last month and ate the 3% fee just so I could be done with it on my platinum Delta card. I never realized how many random things you can't put on it.

    I was pleasantly surprised that within about a day of hitting it they deposited the bonus miles instead of having to wait for weeks after the statement closed.
     
    ohhaithur likes this.
  34. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    I never have a problem with my spg. There's like one restaurant I frequent and the place I get my haircut that don't take it but other than that I use it all the time
     
  35. C A N E

    C A N E Let justice be done though the heavens fall
    Donor
    Miami HurricanesMiami Heat

    Amex Gold coming in today. We booked fights for a West Coast vacation for next summer so going to use those 50000 membership points for something else. Yours truly has never been west of the Mississippi (other than flying/layovers).
     
  36. Zebbie

    Zebbie Hey Mike, guess what I have in my underwear?
    Donor
    Texas Tech Red RaidersTexas RangersChicago CubsDallas StarsTexas Tech Red Raiders alt

    I just use Citi Double Cash (MasterCard) for most expenses that I can’t get a higher % than on my Citi Costco VISA or Chase Amazon Visa
     
  37. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    He's churning though
     
  38. Zebbie

    Zebbie Hey Mike, guess what I have in my underwear?
    Donor
    Texas Tech Red RaidersTexas RangersChicago CubsDallas StarsTexas Tech Red Raiders alt

    Ah, carry on then
     
  39. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    I try to do spending towards card bonuses that isn't earning bonuses on the CSR or AMEX BCP. I guess I don't spend that much on stuff that doesn't fall in those categories.
     
  40. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    To me, spg points are worth more than like 5% back on discover categories or whatever. So I do

    1. Spend for a sign up bonus
    2. Freedom rotating bonus
    3. CSR for normal restaurants and bars and travel
    4. Freedom unlimited/spg for regular shit
     
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  41. EMAW FC

    EMAW FC Proud Smucker
    Donor
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsFulhamSporting Kansas CitySneakers

    Never had an issue w/ SPG Amex. Been a great card for me
     
  42. texasraider

    texasraider thanks
    Donor
    Texas RangersKansas City ChiefsDallas Mavericks altTexas Tech Red Raiders alt

    The SPG Amex is my next card. Is there a certain bonus I should be looking for?
     
  43. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Yes the one where I refer you
     
  44. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    I think it was at 35k earlier in the year.
     
    texasraider likes this.
  45. C A N E

    C A N E Let justice be done though the heavens fall
    Donor
    Miami HurricanesMiami Heat

    SPG points are fantastic.
     
  46. ohhaithur

    ohhaithur e-Batman
    Donor

    I've spent maybe $6000 in the last two months and $5000 couldn't be AMEX'd

    Bullshit card
     
    TAS likes this.
  47. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
    Donor TMB OG
    Texas LonghornsManchester United

    Success w/ CSR UR Pts and United. YMMV

    I bought my tickets to Calgary (I flew United Econ) via Chase Ultimate Rewards Travel Portal, using Chase pts for 99% of the 'cost' and used my Chase United MileagePlus Explorer card for the last 1%, to keep my benefits (priority boarding, free checked bag, seat choice, etc).

    Since I was backpacking in Banff (write up incoming in the travel thread), I had to check my 55L backpack. Chases system didn't recognize that I paid with my Chase United MPE card, so at the airport I had to pay checked bag fee (basically $25 USD each way). I was a bit concerned, but the desk agent said go to united siteand request a refund for your checked bag fees ($25x2 = $50).

    Pretty simple process to submit your refund claim (keep your checked bag receipt) and they DID refund me the full amount within 48 hours.

    Now refunded bag fees, my total cash cost for the flight was maybe $3.30
     
    #3447 Det. Frank Bullitt, Oct 4, 2017
    Last edited: Oct 4, 2017
    EMAW FC, MA, ohhaithur and 4 others like this.
  48. Open Carry

    Open Carry TMB Rib Master
    Donor
    Hartford WhalersAuburn TigersConnecticut HuskiesAtlanta United

    https://www.chase.com/digital/digit...p_cmp=cc/103017/ema/EM07846/Header_Textlink_2

    To get an additional point per $1 spent, simply use your Sapphire card in Chase Pay®, Android Pay™, Apple Pay® or Samsung Pay between Oct. 4 and Nov. 4, 2017. You will earn an additional point per $1 spent on purchases up to $1,500 in addition to the points you already earn.


    Chase Sapphire Reserve

    When using Chase Pay, Android Pay, Apple Pay or Samsung Pay,
    cardmembers will get an additional point per $1 spent on:
    EVERYDAY PURCHASES
    1X point + 1 additional point = 2X Points

    TRAVEL & DINING AT RESTAURANTS PURCHASES
    3X points + 1 additional point = 4X Points




    Chase Sapphire Preferred®
    When using Chase Pay, Android Pay, Apple Pay or Samsung Pay,
    cardmembers will get an additional point per $1 spent on:
    EVERYDAY PURCHASES
    1X point + 1 additional point = 2X Points


    TRAVEL & DINING AT RESTAURANTS PURCHASES
    2X points + 1 additional point = 3X Points
     
  49. ohhaithur

    ohhaithur e-Batman
    Donor

    DoC has confirmation from a reliable source that Bank of America has introduced a new limitation on card approvals to slow down churners. The new rules are:

    No more than 2 BoA cards in a two month time

    No more than 3 BoA cards in a year

    No more than 4 BoA cards in 24 months
     
  50. texasraider

    texasraider thanks
    Donor
    Texas RangersKansas City ChiefsDallas Mavericks altTexas Tech Red Raiders alt

    well it's a good thing BoA has garbage credit cards
     
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