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

    The two paths you're considering are both good ones

    You're at 2/24 so the world is your oyster
     
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  2. Rusty Shackleford

    Rusty Shackleford Dale 1 - Rats 0
    Donor
    Auburn TigersSan Antonio Spurs

    Need those CSP/CSR referrals
     
  3. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

  4. ButchCassidy

    ButchCassidy Well-Known Member
    Donor
    Ohio State BuckeyesColumbus CrewUnited States Men's National Soccer TeamSneakers

    for your CSP needs.

    Earn 50,000 bonus points with Chase Sapphire Preferred. I can be rewarded too if you apply here and are approved for the card. Learn more.
    https://www.referyourchasecard.com/6/IGW0H41IWH
     
  5. ohhaithur

    ohhaithur e-Batman
    Donor

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  6. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    went straight from 30 days to approved

    ohhaithur points are yours
     
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  7. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    IMO Ohhaithur links need to be archived now so others can benefit :crossedarms:
     
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  8. BrickTamland

    BrickTamland You're not Ron...
    Donor
    Florida State Seminoles

    Just looked at first class round trip tickets to Greece: $9,000 each.
    r u srs rite nowr u srs rite nowr u srs rite nowr u srs rite nowr u srs rite nowr u srs rite nowr u srs rite nowr u srs rite nowr u srs rite now
     
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  9. prerecordedlive

    prerecordedlive Sworn Enemy of Standard Time
    Donor TMB OG
    Florida State SeminolesTampa Bay RaysOrlando CityWolverhampton WanderersBarAndGrill

    Ok, new lines opened in the last 24 months:

    HELOC (this month)
    Best Buy Citi (4 months)
    Citi Simplicity (11 months)
    Chase Sapphire Preferred (13 months)

    Am I at 3/24 or 4/24? I just let the CSP fee hit like a goofball. Meant to downgrade it. :facepalm:

    Credit score is ~770

    Other cards that have been open for longer are Quicksilver (downgraded from Venture last year), Lowe’s, and some stupid NFL Extra Points card from college.

    Where do I go from here? Southwest only goes to Houston and Nashville from here and United is only Houston and Chicago.
     
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  10. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    You can still downgrade and get the fee returned. I'd get the chase business ink
     
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  11. ohhaithur

    ohhaithur e-Batman
    Donor

    It's not like I don't help
     
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  12. tjsblue

    tjsblue I was right at the time
    Donor

    Yeah I'm team Ohhaithur
     
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  13. PJP3

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

    I'm just jealous.
     
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  14. John McGuirk

    John McGuirk member of the blue tiger club
    Donor
    Auburn TigersAtlanta BravesDallas CowboysDallas StarsDallas Mavericks alt

    Looking for a new card. Right now got a chase freedom and a shitty card I don’t use at all.

    So here is the scenerio: I need 2 cards. I am going to use card A with my BFF for shared expenses and Card B will be used for my own personal stuff.

    Spending of Card A will be majority spent at grocery stores, daycare, paying bills, maybe the occasional restaurant, etc.

    Spending on Card B will be mainly gas stations, restaurants and fast food, grocery stores, car insurance bill, etc.

    I’m thinking about the CSR or CSP for Card B and making the Chase freedom the shared expenses card. What you think?
     
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  15. Tiger Tiger Woods Y'all

    Tiger Tiger Woods Y'all Putting big balls in little holes, circa 1995
    Donor
    Clemson TigersGolden State WarriorsPGA

    My private card (my BFF knows about it, it gets paid from our joint account she just doesnt get to see the purchases or bitch about the amounts) is my discover it card. I love that bad boy. I also think it has the best mobile app/web interface of all the other major players.
     
  16. PJP3

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

    Can't really go wrong with CSR. Depends if you're looking for points that can go toward travel or cash back. If you want cash back, Amex blue isn't a bad idea as you get 6% on groceries, and 3% on gas.
     
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  17. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    yeah I bug the shit out of ohhai and arkadin so I give them my referrals
     
  18. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Imo if someone is under 5/24, CSR is an automatic GO.

    ..Provided you haven't had a sapphire family bonus in the past 2 years or hold a sapphire card.
     
    ohhaithur likes this.
  19. ohhaithur

    ohhaithur e-Batman
    Donor

    Csr and csp and then downgrade the restaurant one to freedom after a year
     
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  20. Rusty Shackleford

    Rusty Shackleford Dale 1 - Rats 0
    Donor
    Auburn TigersSan Antonio Spurs

    Got the 30 day email. Who do I need to call to figure out what is going on. I applied for the CSR and have called the automated number. Still getting the 30 day message. I would still like to apply for the CSP today and double dip.
     
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  21. tjosu

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

    What would you say is the best first credit card for someone? Girlfriend's sister just graduated college and is finally wanting to get a starting card. Not sure that she'll ever want to get into the points game. I know Discover It is easy to get approved for and was possibly thinking Citi Double Cash. Not sure if Chase is strict with giving the Freedom Unlimited to first time card applicants
     
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  22. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Freedom
     
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  23. ohhaithur

    ohhaithur e-Batman
    Donor

    Freedom is a good entry I think, double cash as well
     
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  24. tjosu

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

    That was my first credit card as well so I can see that perspective too
     
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  25. gordon bombay

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

    I would start with a no fee card through her bank and then probably something like the freedom.
     
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  26. LSU90

    LSU90 Well-Known Member

    Coworker recommended going chase ink cash for the 50k points and no annual fee is this a good route as well?
     
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  27. ohhaithur

    ohhaithur e-Batman
    Donor

    No, get the CIP and downgrade after a year to Cash. 30,000 more points
     
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  28. LSU90

    LSU90 Well-Known Member

    I already have the CIP
     
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  29. ohhaithur

    ohhaithur e-Batman
    Donor

    Oh yeah. I'd rather the other cards but it's not a bad option. You can do them all lol
     
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  30. prerecordedlive

    prerecordedlive Sworn Enemy of Standard Time
    Donor TMB OG
    Florida State SeminolesTampa Bay RaysOrlando CityWolverhampton WanderersBarAndGrill

    Ok so if I’m downgrading, I can get the bonus on the card?? Is there a timeframe where I can also upgrade back to the card and get the bonus again?
     
  31. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    you do not get card bonuses when you downgrade or upgrade. it has to be a new application
     
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  32. prerecordedlive

    prerecordedlive Sworn Enemy of Standard Time
    Donor TMB OG
    Florida State SeminolesTampa Bay RaysOrlando CityWolverhampton WanderersBarAndGrill

    That’s what I thought.
    This confused me greatly.
     
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  33. ohhaithur

    ohhaithur e-Batman
    Donor

    Sorry.

    Cip bonus is 80000. Cash is 50000
     
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  34. LSU90

    LSU90 Well-Known Member

    Any particular reason?
     
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  35. ohhaithur

    ohhaithur e-Batman
    Donor

    You devalued UR by dumping your CSR

    So I find more value in the companion pass and SW miles than 50k UR, especially with Hawaii coming

    I value 100k Marriott at about $800, and if you had CSR I'd say 50,000 UR is about the same but you don't anymore so it's less
     
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  36. LSU90

    LSU90 Well-Known Member

    Wife has CSR so I can redeem at 1.5x which is why I was confused. So if I have 1.5x redemption then it's more of a preference
     
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  37. ohhaithur

    ohhaithur e-Batman
    Donor

    If point pooling to family members still exists when you get it
     
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  38. EMAW FC

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

    pretty dang salty about this. looking like they'll start selling flights in late 2018, making flights in 2019.
     
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  39. LSU90

    LSU90 Well-Known Member

    Why would it not exist?
     
  40. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Team UR points. Get that 50k. When you hit that spend it's basically a round trip flight to Europe already
     
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  41. ohhaithur

    ohhaithur e-Batman
    Donor

    Been long rumored
     
  42. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    theyre already so strict on household combining of points that i doubt it goes away. they'll let people who can prove they live together combine imo
     
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  43. CoastalOrange

    CoastalOrange Well-Known Member
    Donor
    Clemson TigersTennessee VolunteersBarcelonaUnited States Men's National Soccer TeamLiverpool

    Along these lines, do you downgrade after paying the annual fee or before? Or does it not really matter at all?
     
  44. ohhaithur

    ohhaithur e-Batman
    Donor

    After it posts immediately

    You'll get refunded
     
  45. Tiger Tiger Woods Y'all

    Tiger Tiger Woods Y'all Putting big balls in little holes, circa 1995
    Donor
    Clemson TigersGolden State WarriorsPGA

    Is the companion pass still possible with the dual cards and if so can someone link me on the way to do it?
     
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  46. ohhaithur

    ohhaithur e-Batman
    Donor

    Yes, you have to open the business card (publically available 60,000 offer) and the personal (my referral: https://www.referyourchasecard.com/224/PUIXF3XKZ5), as always, same day (business day).

    Once you hit both and spend a little more, you'll have your 110,000

    Here's a lengthy explanation:

    https://wallethacks.com/how-to-earn-a-southwest-companion-pass-without-spending-110000/
     
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  47. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Using the rapid rewards shopping portal also helps fill the gap between (minimum spend + signup bonus) and the 110k mark
     
  48. texasraider

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

  49. ohhaithur

    ohhaithur e-Batman
    Donor

    Yup
     
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