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

    unless you get more out of the bags than the AF
     
  2. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    chase disputes are nearly fraudulent. just insane long story i've been through.

    what is the best non-chase visa cause i'm real tempted to shut down my chase accounts.
     
    TAS likes this.
  3. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Nobody is better at customer service than Amex.
     
  4. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    this has been my experience and why i'm really thinking of moving all my spending there, just still need a visa for the non-amex places.
     
  5. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    I've had good experience with their extended warranty (going thru 2nd one right now) and rental car insurance. What issues are you running into?
     
  6. i am a bammer

    i am a bammer Ben Eblen>Jamychal Green
    Donor TMB OG
    Alabama Crimson TideSan Diego Padres

    I had a very smooth fraud claim with BoA once upon a time. But, it's BoA.
     
  7. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    had a hotel booking that was nonrefundable

    the hotel closed during corona

    submitted a dispute the person on the phone said yeah ez slam dunk, charges validated as legitimate because the hotel sent an email that didn't dispute they were closed but didn't admit it either

    appealed, they then said the window to dispute is over because of the time frame has passed (due to their own delay in litigating it) while again admitting I should have been refunded

    basically just shrugged and said theres nothing they can do, went up the chain to the highest supervisor, etc. blamed visa and federal laws basically.
     
    TAS likes this.
  8. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    the company chase sends the rental car stuff through is good though, got backed into in a parking lot in clemson last year and they just cut the check
     
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  9. LSU90

    LSU90 Well-Known Member

    Any word on when Chase biz cards are going to be open season again?
     
  10. The B1G Kucktis

    The B1G Kucktis 2 years, VARSITY!!
    Donor
    Penn State Nittany LionsPhiladelphia PhilliesPhiladelphia 76'ersPhiladelphia EaglesPhiladelphia FlyersTiger WoodsWolverhampton Wanderers

    When the economy isn’t in complete shambles, unfortunately
     
  11. Lip

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

    anyone know when I can commit more frauds?
     
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  12. Uncle Tupelo

    Uncle Tupelo Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCleveland Browns

    There are are few data points that Chase is now counting their business cards into 5/24.
     
  13. Zebbie

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

    surprised it took them this long to do that
     
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  14. The_Baumer

    The_Baumer Go Mordecai!
    Donor

    I have 100k+ Citi Thank You points. My annual fee is approaching so I want to use/move them.

    I’m considering transferring to a partner (like Virgin) rather than using them for cash value as I’d like to get a better redemption when allowed to transfer again but thought I’d run it by this group first to see if anyone has sage advice that I may not be thinking of. TIA.
     
  15. ohhaithur

    ohhaithur e-Batman
    Donor

    I mean...

     
  16. The_Baumer

    The_Baumer Go Mordecai!
    Donor

    Ok, Hand up. Potentially bad choice by me.
     
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  17. ohhaithur

    ohhaithur e-Batman
    Donor

    My suggestion would be to convert your card to a doublecash and to not make any moves on your thankyou points
     
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  18. Uncle Tupelo

    Uncle Tupelo Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCleveland Browns

    I guess its still not confirmed, but there were data points of people under 5/24 being denied for Chase personal cards (but over 5/24 if you count Chase biz). When calling into recon, the reason being given is "Too many new accounts with Chase".
     
    Zebbie likes this.
  19. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    per seemingly smart people the virgin bankruptcy stuff doesn't really mean anything, just pending the bailout they're already getting

    I wouldn't park points there without knowing you'll use them in the next 8-12 months tho
     
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  20. LSU90

    LSU90 Well-Known Member

    I need to look into back into personal chase cards in the meantime. Ive been doing CIP's the last two years im probably 0/24 for myself and my wife. Will have to wait till after I finish my mortgage refinance.
     
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  21. Jimmy the Saint

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

    We're in the process of building, I'm out of the CC game until early next year. I know the pain.
     
  22. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    stacked up almost all my points while building. Had the builder let me pay all materials/vendors that took a credit card.
     
  23. The_Baumer

    The_Baumer Go Mordecai!
    Donor

    How many points did you amass with that CIP blitzkrieg? Do you still have them or did you redeem for cash?
     
  24. LSU90

    LSU90 Well-Known Member

    Uh most I had was about 1.5 million UR points. Down to about 1.2-1.3 million. Redeeming everything that I can lol.
     
  25. Uncle Tupelo

    Uncle Tupelo Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCleveland Browns

    Just hit 5/24 with Chase, and am locked out of Amex in pop up purgatory :whyioughta:. I'm thinking of taking a break from the CC game as well.

    Any good offers from Citi, Cap one, or BOA? Not sure what the offers are right now relative to normal.
     
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  26. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington Football TeamAtlanta United

    Yeah fuck Amex
     
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  27. Uncle Tupelo

    Uncle Tupelo Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCleveland Browns

    Its crazy. I've been an Amex cardholder for 8 years, and have only cancelled 1 card in that time (a Marriott card back in April). Amex customer service won't give me a straight answer on why I'm getting the popup either, so I'm just putting some spend on my existing Amex cards, and hoping it goes away.
     
    Where Eagles Dare likes this.
  28. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington Football TeamAtlanta United

    Let me know how that goes. I got the popup and have just been focusing on getting my wife cards and points.
     
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  29. Sportfan

    Sportfan From Six to Dumptime
    San Antonio SpursHouston TexansNew Mexico State AggiesTexas AandM Aggies

    Chase Business $95 annual fee just hit.

    Best course of action is to request a downgrade to a non fee card?
     
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  30. C A N E

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

    BBVA Select Credit card is $500 back after spending $4k. Pulls Transunion too. Youll have to see if BBVA operates in your state.
     
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  31. laxjoe

    laxjoe Well-Known Member
    Donor
    San Diego State AztecsSan Diego Padres

    Thanks for the reminder. Just called to downgrade
     
  32. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington Football TeamAtlanta United

    Decided to do some research this AM and this is pretty much what everyone says.

    For a few months put all of your spending on whatever Amex cards you have open. I'm guessing b/c I stopped using my amex and put all my spending on Chase they ding'd me. I guess I'll move some spending back to my delta card for the rest of the year and see what happens
     
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  33. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Personal data point
    -stopped using my AMEX BCP after reaching minimum spend to get signup bonus
    -downgraded to no annual free card after 1 year
    -got/accepted a 15k pt offer to reupgrade to $95 AF card after 18 months
    -tried to sign up for new AMEX green after a few months of heavy spend on my old AMEX
    -stuck in pop-up hell
    -hopefully by the 3rd or 4th statement, they'll let me back in

    P2 was also denied her 1st Amex because of "too many new cards", even though she's under 5/24.

    Tldr: AMEX being some bitches right now
     
  34. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Yes. Do it within 30 days of the AF posting if you want the full $95 back.

    But you can also downgrade later for a pro-rated amount, unlike some of the co-branded chase cards
     
  35. C A N E

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

    30k MR to refer wife to the Blue Business Plus. What a deal.
     
  36. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Not official, but great news if true

    "Chase tells me that Pay Yourself Back will be a permanent feature of the Ultimate Rewards program, and that they will add more cards and change the categories for the program in the future."

     
  37. laxjoe

    laxjoe Well-Known Member
    Donor
    San Diego State AztecsSan Diego Padres

    Well that’s awesome
     
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  38. Uncle Tupelo

    Uncle Tupelo Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCleveland Browns

    Looks like I'm staying in the Chase ecosystem for the foreseeable future.
     
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  39. Wicked

    Wicked Next One's Comin' Faster
    Donor
    Iowa HawkeyesChicago Blackhawks

    If I want to downgrade from the reserve, what is the preferred chase card of TMB to downgrade to?
     
  40. ohhaithur

    ohhaithur e-Batman
    Donor

    Freedom Unlimited: if you're using the card for everything
    Freedom: if you have another card you're using for everything and just will use it for the 5% categories

    No reason to downgrade to the Preferred in my opinion. If you can't get $150 benefit out of the CSR you can't get $95 out of the CSP
     
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  41. Uncle Tupelo

    Uncle Tupelo Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCleveland Browns

    What other Chase cards do you have?
     
  42. Wicked

    Wicked Next One's Comin' Faster
    Donor
    Iowa HawkeyesChicago Blackhawks

    None. I'd keep it but I have 0 intention of travel any time soon.
     
  43. Uncle Tupelo

    Uncle Tupelo Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCleveland Browns

    If you have no intention of churning, I would downgrade to a Freedom or Freedom Unlimited, otherwise I would open either a Freedom or Freedom Unlimited, get the bonus, then downgrade your CSR to a second of the card you opened. That way you aren't locked out of the bonus for those cards when you downgrade.
     
  44. Todd Bonzales

    Todd Bonzales Sex with old ladies for money aaaand bear traps.
    Donor
    Ohio State BuckeyesCleveland BrownsUSA RugbyTiger WoodsOhio BobcatsCleveland CavaliersCleveland IndiansOlympics

    All Hilton Amex cards have a current points promotion that earns you a bonus 1,000 points per $1,000 spent, but that’s not really much of a highlight. The big part is if you spend $5,000 you can earn a free night, so that’s cool.
     
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  45. pianoman

    pianoman my drinks are free
    Donor TMB OG
    Michigan WolverinesChicago CubsDetroit Red Wings

    Just $5k spend on the Aspire and you get a free night? Is it the same as the annual free night that it’s good at any property?
     
  46. Todd Bonzales

    Todd Bonzales Sex with old ladies for money aaaand bear traps.
    Donor
    Ohio State BuckeyesCleveland BrownsUSA RugbyTiger WoodsOhio BobcatsCleveland CavaliersCleveland IndiansOlympics

    Yes, after you add the offer to your card. I think it’s available for all of the Hilton cards, unless I read that wrong.
     
  47. Jimmy the Saint

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

    About a year ago I opened a Citi AA card, hit the 50k bonus spend, but never received it. They finally told me I wasn't eligible because I'd received one in the past 48 months. The bonus may have posted under that time frame but I knew for a fact that it had been over 48 months since I had applied and gotten the card and that it was unreasonable to hold me to when the bonus posted because you can't even go back that far in account activity history for AA. They basically told me, "tough shit."

    The fee for the card posted a few days ago so I called to downgrade it (normally would've just closed it but we're in the process of building a home so I don't want to fuck with my credit if I can help it). Decided to check my AA miles balance, knew it was about 10k or so. Log in and have 64k miles. They posted the 50k bonus 2 days ago. I am in shock. Now if only I could use these right now...
     
    EMAW FC, laxjoe, TAS and 5 others like this.
  48. ohhaithur

    ohhaithur e-Batman
    Donor

    Citi's the most inept banker possible
     
  49. pianoman

    pianoman my drinks are free
    Donor TMB OG
    Michigan WolverinesChicago CubsDetroit Red Wings

    How long does it take for the travel credit normally to hit the card after a travel transaction has posted for the CSR? I rented a car two weeks ago and the charge posted on the 18th. With Amex my credits normally post within a couple days from the day the charge posts so I was expecting the same but it's been more than a week now.
     
  50. ohhaithur

    ohhaithur e-Batman
    Donor

    Faster than that. Sure you haven't used it all already?