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. two

    two Hello
    Donor TMB OG
    Game of ThronesGrateful Dead

    I’ve decided to commit myself to Delta since they fly everywhere I go.

    Can I get the Delta Reserve Amex then downgrade to the Gold? Looking for tips on best way to do this.
     
  2. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    I'm trying to book our hotel for Boston that we leave for on October 17th. I got the World of Hyatt card and am already at about $5,000 spent in my first 2 months or so. You have to spend $3,000 in the first three months to get the 40,000 points. I was well past that before the close of my most recent statement. The points haven't shown up yet though. I called and they said it will be October 1 (6 weeks after) when the points hit :ohdear:. Is there anything I can do to book this hotel before then and still use the points when they hit?
     
    #7202 Baby Boy, Sep 6, 2018
    Last edited: Sep 6, 2018
  3. Zebbie

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

    Chase is being slow on posting bonus points across a lot of cards, FYI. I hit the min. spend on my CSP & the statement cut over a week ago, & they still haven’t posted, but they have up to 6-8 weeks to post them.
     
  4. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    Yeah they acted like it would take 6-8 weeks. This sucks as idk what to do about booking the hotel. In my previous experience whenever I hit the threshold for points they would post within days. I expected the same this time. Welp, looks like it's gonna be another month and I won't be able to book the hotel until two weeks or so before we leave which makes me nervous af.
     
  5. tjsblue

    tjsblue I was right at the time
    Donor

    I'd book the thing with $ then cancel and book with points if the timing works out.
     
    marcus and Buzz like this.
  6. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    I had thought about that but wasn't sure if it would work. Just makes me nervous. Not sure if I should call the hotel or just do this plan.
     
  7. Todd Bonzales

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

    Do his plan :twocents:
     
    Buzz likes this.
  8. Todd Bonzales

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

    Guys, ohhaithur and I have never had a single delay in our points on our top-rated, #1 Hilton Aspire cards. Just FYI. Probably the greatest card ever made.
     
    tjsblue and Buzz like this.
  9. gordon bombay

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

    Do you have status currently with Delta and/or would the $25k spend 10,000 MQM boost that comes with the Platinum/Reserve give you status or bump you up a level?
     
  10. ohhaithur

    ohhaithur e-Batman
    Donor

    Took 5 months to get a referral actually

    But otherwise great card
     
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  11. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    By the way, Hilton Aspire bonus is 150,000 points today - public offer.
    • AmEx Hilton no fee version: 75k (you may see 75k+$50 offer by making a dummy booking)
    • AmEx Hilton Ascend: 125k
    • AmEx Hilton Aspire: 150k
    • AmEx Hilton Business: 125k (you may see 125k+$100 offer by making a dummy booking)
     
    marcus, MA and texasraider like this.
  12. ohhaithur

    ohhaithur e-Batman
    Donor

    What an offer. Shame no referrals. That beats hyatt imo but everyone get hyatt so I can refer you
     
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  13. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    If I didn't have to spend 7 grand in next 4 months, I'd have jumped on it.
     
  14. Lip

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

    Is that the min spend for the aspire?
     
  15. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Nyah - Citi AA + Amex Plat retention spend + Amex PRG for the missus
     
  16. C A N E

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

    Delta Gold Amex has a 60k offer through a referral with no AF the first year. If you’re doing it for strictly the bonus, go Gold.
     
    tjsblue likes this.
  17. Drew63

    Drew63 Well-Known Member

    I have a platinum referral If you decide that route
     
  18. Todd Bonzales

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

    laidoutfab likes this.
  19. Zebbie

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

    It’s on the list once I hit 5/24, which will probably be early next year or so
     
    marcus likes this.
  20. ohhaithur

    ohhaithur e-Batman
    Donor

    only 100,000
     
    #7220 ohhaithur, Sep 6, 2018
    Last edited: Sep 7, 2018
  21. comrade static

    comrade static i love french fries
    Donor
    Oklahoma City ThunderPhiladelphia EaglesOklahoma SoonersBarAndGrillBig 8 Conference

    I’m in same boat. Will definitely be getting this card in 2019-2020.
     
  22. MA

    MA Surprisingly normal looking
    Donor TMB OG
    Alabama Crimson TideSan Antonio SpursWashington CapitalsManchester UnitedAtlanta United

    Card still hasn't arrived. A bit irritated since they told me on the 26th that'd it'd be 3-5 days.
     
  23. Menelaus

    Menelaus The Red-Haired King
    Donor
    Alabama Crimson TideReal Madrid

    I am now about that Amex Platinum life. Very excited about Delta Lounge and Centurion lounge. LGA is my home airport and always end up spending more than I should on beer/food/etc there.
     
  24. laidoutfab

    laidoutfab Well-Known Member
    Donor

    Done
     
    marcus likes this.
  25. Todd Bonzales

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

    Double check and make sure you get 150,000, or whatever the current bonus is.

    Thank you!
     
  26. tjosu

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

    Maybe Labor Day slowed it down? I thought they typically said 10-14 days from approval
     
  27. MA

    MA Surprisingly normal looking
    Donor TMB OG
    Alabama Crimson TideSan Antonio SpursWashington CapitalsManchester UnitedAtlanta United

    I talked to a rep on Tuesday and he told me that didn't even send it out till last Thursday. Was shocked as they've always been 2-3 days with my other cards.

    This is terrible though, I've got bills to pay and shit.
     
  28. ohhaithur

    ohhaithur e-Batman
    Donor

    Aw man you're only going to get 100,000
     
  29. Zebbie

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

    AmEx Hilton Aspire 150k public offer is back
     
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  30. Todd Bonzales

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

    Apply for the Hilton Aspire Card with this link. We can both get rewarded if you're approved! http://refer.amex.us/MICHAPSqmH

    Hi hello.
     
  31. texasraider

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

    This took me to a 100k earn page FYI
     
  32. Todd Bonzales

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

    Noticed that. ohhaithur , they can call and get that 150,000 bonus, correct?
     
  33. MA

    MA Surprisingly normal looking
    Donor TMB OG
    Alabama Crimson TideSan Antonio SpursWashington CapitalsManchester UnitedAtlanta United

    The 150k offer doesn't go fully public till the 11th.
     
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  34. Leeroy Jenkins!

    Leeroy Jenkins! Radicalized
    Donor

    Wow, chase closed all of my credit cards because they said I was applying for too many cards. WTF
     
  35. Todd Bonzales

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

    Wait, what? Is this something they’re known to do?
     
  36. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    There have been stories of this if they think people are trying to game the system.
     
  37. Leeroy Jenkins!

    Leeroy Jenkins! Radicalized
    Donor

    I applied for a couple when I was moving because I was going to use the money from moving to hit bonuses on them and they shut me down for the CSP because I already had the CSR, then I closed my CSR and transferred the credit limit to a slate because I was just using it for the 15 month no apr and then I applied for the amazon prime visa (bc I live right next to whole foods) twice in 2 months and then I got all this shit this past week. wtf.
     
  38. MA

    MA Surprisingly normal looking
    Donor TMB OG
    Alabama Crimson TideSan Antonio SpursWashington CapitalsManchester UnitedAtlanta United

    You got denied for the Amazon visa and re-applied the next month?
     
  39. Leeroy Jenkins!

    Leeroy Jenkins! Radicalized
    Donor

    (george costanza voice) I thought thats all I had to wait!!
     
  40. Leeroy Jenkins!

    Leeroy Jenkins! Radicalized
    Donor

    Oh well, no big deal. My churn game is on hold for now. I'll just stick to my amex platinum and citi AA advantage
     
  41. MA

    MA Surprisingly normal looking
    Donor TMB OG
    Alabama Crimson TideSan Antonio SpursWashington CapitalsManchester UnitedAtlanta United

    You could try to get it reversed. It doesn't sound like you're a real churner, so you might have a shot.

    By the way, I'm sure you've looked since, but I've always seen to wait 3+ months to reapply for a card.
     
    ohhaithur likes this.
  42. Leeroy Jenkins!

    Leeroy Jenkins! Radicalized
    Donor

    Well in all honesty its probably better to pay off my move. I'm about to buy into a business which is going to be 200k and I'm trying to figure out how to approach that, I think I'll just call my hometown banker who knows me and my family and see what kind of rate they'll give me if I take that from them and then try and just roll my student loans (115k) into that as well before I start opening other cards.
     
    MA likes this.
  43. Zebbie

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

    Yeah, there’s a whole thread on it on the churning sub-reddit
     
  44. ohhaithur

    ohhaithur e-Batman
    Donor

    No
     
  45. ohhaithur

    ohhaithur e-Batman
    Donor

    For two weeks itt we talked about decreasing credit limit to avoid shutdown

    CoastalOrange had issues with his business cards and a potential shutdown iirc

    I warned people about shutting down cards under a year and how that might cause shutdowns

    Idk how many times I've talked about being cautious about Chase

    Don't start slipping guys
     
  46. ohhaithur

    ohhaithur e-Batman
    Donor

    WillieHuff you can call to get reinstated. I would suggest it. Try not to piss them off anymore pls
     
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  47. Leeroy Jenkins!

    Leeroy Jenkins! Radicalized
    Donor

    The cards they closed (2) were one I wasn't going to use and one I was going to close in Jan when the fee hit (United club card, I still have the membership card that's still active). I'm just going to let it lie. Pay off some bills and then maybe open a CSR in 4-5 months.

    I still bank with Chase so they'll get over it seeing as how I have a not insignificant deposit with them.
     
  48. ohhaithur

    ohhaithur e-Batman
    Donor

    [​IMG]
     
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  49. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Never close a fee card in under a year with a bank you'd want repeat business with. With Amex RAT team and Chase enforcing rules, it's not worth it for the long run.
     
  50. Brewtus

    Brewtus Got dat juice
    Donor
    Detroit PistonsOhio State BuckeyesDetroit Red WingsDetroit Lions

    Been eyeing that one but I'm pretty much stuck in the Marriott/SPG universe for the foreseeable future.

    I've had the SPG AMEX for close to a decade and have been considering making the jump to the SPG luxury. However, my upgrade bonus is only 50k, not the 100k they're offering for new signups.
     
    marcus likes this.