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. Oranjello

    Oranjello Well-Known Member
    Donor
    Green Bay PackersNew Orleans SaintsGrateful DeadMississippi Rebels

    That's a pretty drastic decrease. I'd be mad.
     
  2. ohhaithur

    ohhaithur e-Batman
    Donor

    When is the honeymoon?
    What's the home airport?
    How aggressive are you willing to get?
     
  3. ohhaithur

    ohhaithur e-Batman
    Donor

    You should be a little mad but then remember the other option was a shutdown so be happy
     
  4. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Did they give you a ton of credit on the business card?
     
  5. Oranjello

    Oranjello Well-Known Member
    Donor
    Green Bay PackersNew Orleans SaintsGrateful DeadMississippi Rebels

    Not even engaged yet, but probably sometime between next April and August.
    Home airport is MSY (NOLA), but not opposed to booking separate itineraries and rechecking in at a bigger airport (DFW, ATL, JFK, CLT, ORD, etc.)
    Fairly aggressive, but I don't want to be stuck with a bunch of gift cards due to overloading myself with manufactured spending trying to obtain too many bonuses at once. That's why I decided to pose the question this far in advance. Thanks
     
  6. ohhaithur

    ohhaithur e-Batman
    Donor

    a
     
    #6256 ohhaithur, Jul 18, 2018
    Last edited: Jan 8, 2020
    Oranjello likes this.
  7. CoastalOrange

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

    It's not ideal but it's not the end of the world either. I will be angry if/when they deny me the 50k sign-up bonus for the CSP (they have already provided it for the CSR).
    Nope, only $9k.
     
  8. Oranjello

    Oranjello Well-Known Member
    Donor
    Green Bay PackersNew Orleans SaintsGrateful DeadMississippi Rebels

    So two Citi® / AAdvantage® Platinum Select (60k AA miles after $3k spend in 3 months) and one CitiBusiness® / AAdvantage® Platinum Select® Card (70k AA miles after $4k spend in 4 months)?

    I assume to get the two Platinum Select bonuses one of the cards would have to be in her name? Would her having practically non-existent credit impact her eligibility? I can probably handle the spend on her behalf.
     
  9. ohhaithur

    ohhaithur e-Batman
    Donor

    a
     
    #6259 ohhaithur, Jul 18, 2018
    Last edited: Jan 8, 2020
  10. Oranjello

    Oranjello Well-Known Member
    Donor
    Green Bay PackersNew Orleans SaintsGrateful DeadMississippi Rebels

    No worries, I can look it up. Thanks. I may be back with questions, but this is sufficient for now. AA is also my preferred airline, but I don't think I'd want to take BA back, so I have some research to do.
     
    ohhaithur likes this.
  11. ohhaithur

    ohhaithur e-Batman
    Donor

    a
     
    #6261 ohhaithur, Jul 18, 2018
    Last edited: Jan 8, 2020
    Oranjello likes this.
  12. Oranjello

    Oranjello Well-Known Member
    Donor
    Green Bay PackersNew Orleans SaintsGrateful DeadMississippi Rebels

    That is good to know, thanks. Just remembered that I used to have a Citi Prestige card that I closed in June of last year. Will that affect eligibility for these cards?
     
  13. Zebbie

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

    Don’t think so but the others would know for sure

    FYI to all - just read that Citi’s gonna quit the 60,000 mile sign up bonus on the AA Platinum Select probably in the next few days.
     
    Oranjello likes this.
  14. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    I have not seen the sign up bonus for this card going away.
     
  15. Zebbie

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

    I think it was something The Points Guy posted on Twitter, so who knows
     
  16. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Oh. It's a decrease in the jump from 50 to 60 that they had been doing lately, but all the mailers are 65 and they match to 75
     
  17. Zebbie

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

    Yeah, I could’ve worded it better that it’s a decrease back to 50
     
  18. Nelson

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

  19. BrickTamland

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

    Fuck Wells Fargo.
     
  20. Hail Southern

    Hail Southern GATA Eagles!
    Donor
    Atlanta BravesAtlanta FalconsAtlanta UnitedGeorgia Southern EaglesUnited States Men's National Soccer Team

    Looking for a card to run all surprise expenses of a little side hustle through. Paid off monthly obviously. Charges will be small, probably $200-$1000 a month.

    Chase Sapphire still the go-to card?
     
  21. CoastalOrange

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

    CSR and CSP are both solid but look at Chase Ink Business Preferred as well. Currently offering an 80k bonus.

    Though let everyone know before you sign up as a lot of people in here have referrals for just about any card you might want.
     
  22. EMAW FC

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

    Got back from Puerto Rico on Monday - they have a lovely Priority Pass lounge, first time i've been able to take advantage of the perk while traveling. Was really nice having wifi, comfortable seating, food and drink in a quiet setting

    Most of the time the lounges are in a different terminal from where my flight is. Not feeling going through security twice, once to get to the lounge and again to go to my terminal.
     
    tjsblue and Nelson like this.
  23. ohhaithur

    ohhaithur e-Batman
    Donor

    Doesn't seem like you're going to use the benefits of CSR enough to warrant it as your pick.

    I'd pick Chase Ink Preferred if I were you. You're not spending any real money so the bonus is most important here and you'd get a big one there. Plus your purchases seem like they aren't restaurant/travel so CSR isn't going to help you there
     
    Hail Southern and marcus like this.
  24. Dukes

    Dukes flying ain't nothing just fallin' with style
    Donor TMB OG
    Baltimore OriolesWashington CapitalsTiger WoodsJames Madison Dukes

    My car was hit this weekend and it’s gonna run 5k in damages. Their insurance is paying me cash and the body shop takes credit so might as well hit a bonus. I have CSR, Freedom (downgraded from Preferred last year - received Preffered bonus in August 2016), and Chase Ink Unlimited. I’m at 3/24 and got the Ink Unlimited June 16th so I’m not sure if I’m eligible for the Ink Preferred. Would the Amex Platinum 100K offer be the best bonus to go after at the moment?
     
    Nelson likes this.
  25. ohhaithur

    ohhaithur e-Batman
    Donor

    Yeah, that's a good one
     
    Nelson and Dukes like this.
  26. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    just downgraded citi AA card where the fee was due to a double cash. ill never use it, thanks for the points though. its also time to apply for another one later today
     
    CoastalOrange and ohhaithur like this.
  27. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    if you have the amex plat 100k offer, I'd go for it - they've been a pain in the ass lately about minimum spend around buying GCs, etc. so hitting it at the car shop is a great way to accomplish it.
     
  28. ohhaithur

    ohhaithur e-Batman
    Donor

    I get #9 Monday :)
     
  29. CoastalOrange

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

    I really need to start keeping an eye out for these mailers. I used to get them all the time and would rip them up and toss them out. Knowing now that you can keep getting them and keep downgrading them after a year changes my tactics.
     
    ohhaithur likes this.
  30. Zebbie

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

    You get a code in the mail already or something?
     
  31. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    I've got like 3 of them I haven't used yet
     
  32. ohhaithur

    ohhaithur e-Batman
    Donor

    I just reuse the one my fish gets

    As long as he doesn't use it it's still live
     
  33. Zebbie

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

    Well shit, need to figure out what I’m doing wrong then since I have a DoubleCash, Dividend, & Costco card through Citi
     
  34. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Sign someone at your address up for an aadvantage account
     
    blotter likes this.
  35. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    My wife got an email offer to csp. She had it and the csr while we built a house in 2016. Do I have to go through the offer to get her a card or can I use one of your referrals?

    Furthermore I have a csr and old Hyatt but haven’t got a new card in the past couple of years. As of now what order should I go in for new cards? Could possibly hit a bonus every two months.
     
  36. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    In order to get a csp you need to downgrade that csr to a freedom. Personally id downgrade it to the freedom then get another csr (assuming your 2+ years timeline is tight)
     
  37. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    If you can hit both the csr and csp bonus, apply for both on the same day like we've detailed in here after you've downgraded the csr and waited a couple weeks
     
    ohhaithur likes this.
  38. Zebbie

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

    CitiBusiness AA card also up to 70k bonus now, may have to apply for that one too
     
  39. Dukes

    Dukes flying ain't nothing just fallin' with style
    Donor TMB OG
    Baltimore OriolesWashington CapitalsTiger WoodsJames Madison Dukes

    What’s the best redemption method to maximize value out of the AMEX points?
     
  40. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    How many and how fancy are you re:economy and business
     
  41. Dukes

    Dukes flying ain't nothing just fallin' with style
    Donor TMB OG
    Baltimore OriolesWashington CapitalsTiger WoodsJames Madison Dukes

    Looking at the platinum offer so 100k. Getting married in September and the honeymoon is already paid for with points so it would likely be used for travel next year. I also have 75K UR points at the moment. Don’t work in a client-facing job so business travel isn’t frequent.
     
  42. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    You could combine those two for decent Singapore air, British airways, flying blue, etc. Pretty good amount of options. Easier to help if you have some idea where you want to
     
  43. ohhaithur

    ohhaithur e-Batman
    Donor

    ANA and get two round-trip flights to Japan
     
  44. hawkeyeOUTeast

    hawkeyeOUTeast Well-Known Member
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    Iowa HawkeyesChicago CubsCarolina PanthersKansas City ChiefsCarolina HurricanesPGABig Ten Conference

    Any way to utilize American miles with Chase UR?
     
  45. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    What do you mean
     
  46. hawkeyeOUTeast

    hawkeyeOUTeast Well-Known Member
    Donor
    Iowa HawkeyesChicago CubsCarolina PanthersKansas City ChiefsCarolina HurricanesPGABig Ten Conference

    I have AA miles, anyway to fly American with Chase UR? Haven’t redeemed any points yet so didn’t know if it was specific airlines or not.
     
  47. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    You can send them to British airways and book AA flights that way. Or if it's cheaper, just purchase flights through the chase portal with the multiplier if it's cheaper
     
    ohhaithur and hawkeyeOUTeast like this.
  48. Nelson

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

    Team UR portal multiplier
     
  49. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    The team should be team lowest amount of points
     
  50. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    British redemptions passing through England = getting fucked on airport fees. Better redemptions on AA / BA to Europe - Aer Lingus / Finnair / Iberia