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. laidoutfab

    laidoutfab Well-Known Member
    Donor

    Alright. I dont have a Hyatt card, just a CSR. Also have a Chase SW card that I've had for a while. Could I just roll that over to my CSR? With the CSR, it isn't worth using anymore
     
  2. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Nah, the airline and hotel branded credit cards are different product lines than the ultimate reqRds cards. I canceled my southwest card a couple years ago
     
  3. LSU90

    LSU90 Well-Known Member

    About to get the wife another card. Way under 5/24. She has the CSR and CIP already. Any mind blowing offers right now or should I just tackle another chase card like the chase ink cash for a quick 50k?
     
  4. Druce

    Druce Fuck football.
    Donor
    North Carolina TarheelsNotre Dame Fighting IrishAtlanta BravesDetroit LionsBarcelonaSneakers

    Hey Gang, looking for a card with a decent length interest free period. Any recommendations?
     
  5. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Chase slate. Citi also regularly spams me for zero apr promos
     
  6. ohhaithur

    ohhaithur e-Batman
    Donor

    yuck.

    at least get freedom or freedom unlimited so you have a bonus and a card that is worthwhile
     
    Druce likes this.
  7. Druce

    Druce Fuck football.
    Donor
    North Carolina TarheelsNotre Dame Fighting IrishAtlanta BravesDetroit LionsBarcelonaSneakers

    Already have both of these w/0 balance for a while. Putting in a patio and I really don't feel like paying cash for it. Nerd wallet is telling me this citi simplicity is the way to go.
     
  8. ohhaithur

    ohhaithur e-Batman
    Donor

    Close freedom and open it again if it has been two years. Or ask for a balance transfer with no apr. Really no need to open a shit card for no apr

    I'll even send ya a referral :8mm:
     
  9. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Doesn't one of those new chase business cards offer 0% apr
     
  10. ohhaithur

    ohhaithur e-Batman
    Donor

    Unlimited but it's only 12 months

    Still a good choice
     
  11. ohhaithur

    ohhaithur e-Batman
    Donor

    TAS and CoastalOrange like this.
  12. Zebbie

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

    Quick question about the Citi AA cards - I got this same one in March 2015 & converted it to Double Cash in July 2016, so would I be good to go on being eligible for the sign up bonus again? Also, soon-to-be ex-wife got the Citi AA Executive in May 2017 or so & added me as an authorized user, so would that affect sign up bonus eligibility?
     
  13. Nelson

    Nelson Can somebody please get Ja Rhule on the phone
    Donor
    Nebraska CornhuskersDenver NuggetsDenver BroncosColorado AvalanceBorussia DortmundManchester UnitedColorado State Rams

    Just FYI for those doing the wife + your own separate cards for maximum bonus trick

    I got approved for CSR but it couldn't be activated, called them and they said it triggered a potentially fraudulent application because it was the same IP address as a "previous application" (aka my wife's). I played it cool and she activated the card, but others might appreciate this info (this is probably common sense to some of you)
     
  14. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    I’ve run the math and have been doing the same thing. 1.5% vs 1% or whatever just doesn’t make a big enough difference to sweat. I keep up with the rotating 5% categories, and I use cashbackmonitor to maximize any online purchase with portals, but every other purchase is just either my CSR or the matching branded card.
     
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  15. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    i wont keep up with this outside of matching spend to bonuses in the short term then will migrate to same rotating 5% + CSR
     
    ohhaithur likes this.
  16. Nelson

    Nelson Can somebody please get Ja Rhule on the phone
    Donor
    Nebraska CornhuskersDenver NuggetsDenver BroncosColorado AvalanceBorussia DortmundManchester UnitedColorado State Rams

    Churning seems like the male millennial version of couponing, yikes
     
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  17. ohhaithur

    ohhaithur e-Batman
    Donor

    If the coupons are worth $800 each yeah

    But many in that thread accurately describe this as an 80/20 thing where bonuses are 80% of the profit and 20% of the effort
     
  18. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Lol look at this weak ass take
     
    Doug, TAS, Where Eagles Dare and 3 others like this.
  19. Nelson

    Nelson Can somebody please get Ja Rhule on the phone
    Donor
    Nebraska CornhuskersDenver NuggetsDenver BroncosColorado AvalanceBorussia DortmundManchester UnitedColorado State Rams

    yeah racking up the bonuses is enough for me
     
  20. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    Get out
     
    LeVar Burton likes this.
  21. Nelson

    Nelson Can somebody please get Ja Rhule on the phone
    Donor
    Nebraska CornhuskersDenver NuggetsDenver BroncosColorado AvalanceBorussia DortmundManchester UnitedColorado State Rams

    guys I'm just not ready for this level of commitment right now
     
  22. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    *spends money he was going to anyways for 20% returns*

    *Cuts out 48 coupons over days to save $10 on grocery items they don't need*
     
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  23. texasraider

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

    I’m here for the bonuses and the perks (free checked bags, room upgrades, etc)
     
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  24. ohhaithur

    ohhaithur e-Batman
    Donor

    we tend to ask people their level of commitment before giving advice. you see us giving plenty of advice itt that's not high-energy. suggesting basic cards for people who aren't that committed. it's not hard
     
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  25. Nelson

    Nelson Can somebody please get Ja Rhule on the phone
    Donor
    Nebraska CornhuskersDenver NuggetsDenver BroncosColorado AvalanceBorussia DortmundManchester UnitedColorado State Rams

    your help a few months ago was much appreciated. Will be sitting on 130k in UR points in September
     
    LeVar Burton, ohhaithur and rv12 like this.
  26. ohhaithur

    ohhaithur e-Batman
    Donor

    p nice coupon
     
    EMAW FC, Oshie, Doug and 5 others like this.
  27. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    Used your link and got:

    Thank you for your request.

    We need to review your request a little longer. We will let you know of our decision by U.S. mail. This could take up to 30 days.

    Thank you for choosing Chase Ink Business PreferredSM.

    What do I do now?
     
  28. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Hope they don't tell you to fuck off because you canceled your CSR after like 4 months :laugh:
     
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  29. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    That's a pretty good memory on your part. I can't quite remember when I canceled it but I think I delayed cancelling till the AF was close to coming around. No reason not to keep it open for 11 months and 25ish days.
     
  30. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    until they deny this app
     
  31. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    You canceled a few months short of the year and said it was because of their 5/24 rule :laugh:

    Good luck
     
  32. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    Guys, I'm going to need more positivity and optimism from this thread right now! :ohdear: :ohshit: :ohnoes: :ohdear: :ohshit: :ohnoes:
     
    #6182 LeVar Burton, Jul 12, 2018
    Last edited: Jul 12, 2018
    Nelson likes this.
  33. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    Just did a little research, looks like I got it in September canceled in June. Was maxed out on chase cards 5/24 and mad I couldn't get anymore for a while so no need to keep their card in my wallet while my window was shut. Yeah I was pouting what about it?

    Now Chase needs to give me $1,000 travel dollars.
     
  34. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    You should call them and tell them this
     
    texasraider likes this.
  35. ohhaithur

    ohhaithur e-Batman
    Donor

    No reason you not keep it open 12 months you goose
     
  36. Louis Holth

    Louis Holth but we also just might be those motherfuckers
    Donor
    South Carolina GamecocksAtlanta BravesCarolina PanthersTottenham Hotspur

    I was able to book all flights and hotel for my honeymoon sans a pretty cheap Airbnb in Bali with my CSR points(wife and I both had one) and the Amex hilton card. Appreciate all the help ITT.
     
  37. The_Baumer

    The_Baumer Go Mordecai!
    Donor

    Call them. Find the Chase recon line chart that’s been posted and be prepared to answer a few questions.
     
    #6187 The_Baumer, Jul 12, 2018
    Last edited: Jul 12, 2018
  38. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    I already did in June.
     
  39. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Yeah, now you call and tell them that again and that you want the new card
     
  40. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    Nah.
     
  41. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    Too many cards in the last 24 months even though only 2 are with Chase. Ughh...
     
  42. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Lol wait you still don't understand the 5/24 rule?
     
    texasraider likes this.
  43. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    Anyone have an AMEX Platinum referral code?
     
  44. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    Yes I understand it. In one month I'll be back in the window.
     
  45. PJP3

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

    Apply for The Platinum Card® with this link. We can both get rewarded if you're approved! http://refer.amex.us/NICHOBy5a7?xl=cp20

    I'd be happy to take your referral, but you only get 60k points bonus right now. Periodically you can get targeted offers for 100k so may be worth it to wait for that.
     
    ohhaithur likes this.
  46. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Personally, I wouldn't touch an Amex Plat offer under 75k
     
  47. ohhaithur

    ohhaithur e-Batman
    Donor

    :laugh:
     
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  48. Lip

    Lip Well-Known Member
    Donor
    Michigan State SpartansDetroit LionsGeorge Washington Colonials

    Anyone?
     
  49. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    I’m cancelling mine today. Didn’t really get a good retention offer. Spend $3000 in 3 months for 200$ credit. I’d rather hit a minimum spend on a new card.
     
  50. Oshie

    Oshie single dad no kids
    South Carolina GamecocksWashington Capitals

    I had the Barclaycard AAviator Red and fly out of Charlotte all the time (AA hub).

    That free checked bag and boarding in group 5 was awesome. Much more likely to get an overhead bin spot and you don't deal with the Group 6 Armageddon rush. Downgraded it in year 2 when the annual fee hit and sorely missed those two perks.

    Just signed up for the Citi AA and looking forward to the bonus miles and perks again.
     
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