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. Degausser

    Degausser #NewProfilePic
    Donor
    Georgia BulldogsAtlanta Braves

    Already applied for the Ink Preferred, but we can still do the beer thing imo.
     
  2. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    :thumbs up:

    This is just a start - many more cards out there for you to acquire ;)
     
    Degausser likes this.
  3. rezy

    rezy Member
    Donor
    Florida State SeminolesNew York YankeesLos Angeles ClippersNew York GiantsManchester United

  4. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    Just want to go through a plan and get feedback. Just hit the bonus on ink preferred. Has been two years from most recent sapphire bonus and Hyatt bonus in about 45 days. Thinking about downgrading csr and Hyatt today then applying for new cards the end of November. Am I overlooking anything?

    Edit:
    I am plenty below 5/24
     
    Uncle Tupelo likes this.
  5. Uncle Tupelo

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

    Sapphire bonuses are now every 48 months.
     
    ohhaithur likes this.
  6. ohhaithur

    ohhaithur e-Batman
    Donor

    The best laid plans...
     
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  7. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    I was hoping that was starting with those who received bonuses after the change
     
  8. Uncle Tupelo

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

    Nah, I'm pretty sure that's for everybody. That's why r/churning was having a meltdown when it happened. Your plan should still work for the Hyatt card though.
     
  9. Zebbie

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

    From what I’ve seen, it’s everybody
     
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  10. Houndster

    Houndster Well-Known Member
    Donor TMB OG

    Anybody got referrals for the Sapphir or Preferred?
     
  11. CoastalOrange

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

    Preferred-
    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/6A/GL90DFTZBE

    I do not believe they are doing the referrals for CSR anymore.
     
  12. ohhaithur

    ohhaithur e-Batman
    Donor

  13. Houndster

    Houndster Well-Known Member
    Donor TMB OG

    Just got approved. Do I cancel this one after the second annual fee (first since year 1 is waived) hits?

    Sorry ohhaithur i used his referral since he was first.
     
    CoastalOrange likes this.
  14. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    Went a different way. Used one of my referrals to get my wife the ink preferred. Got the auto deny 7-10 and was able to get approved calling the recon line.
     
    Uncle Tupelo and The_Baumer like this.
  15. The_Baumer

    The_Baumer Go Mordecai!
    Donor

    The 60k offer on Citi Thank You Premiere seems to be going away. May apply tonight. Are there referrals for this? Any reason not to get it?
     
  16. FriendsofJtyler

    FriendsofJtyler I strenuously object
    Donor TMB OG
    Clemson TigersWashington Capitals

    No referral bonus :-/

    I just got it last week. Nice signup bonus and good multiples on travel, gas, and food. It’s similar to something like a CSR.
     
    The_Baumer likes this.
  17. Uncle Tupelo

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

    You can downgrade after a full year if you want to, no need to wait till the second year annual fee hits. Just make sure you have the card 12 months. Also make you sure downgrade to a Freedom or Freedom Unlimited instead of canceling.
     
    Houndster likes this.
  18. ohhaithur

    ohhaithur e-Batman
    Donor

    Citi AA mailers now only work once

    RIP my perfect plan
     
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  19. Uncle Tupelo

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

    brb dumpster diving for AA mailers.
     
    ohhaithur likes this.
  20. Menelaus

    Menelaus The Red-Haired King
    Donor
    Alabama Crimson TideReal Madrid

    Chase offering 60k UR points to upgrade to “Sapphire” Banking platform. Need to have Sapphire or Freedom card, and transfer $75k in cash/securities to Sapphire banking platform and have on account for at least 90 days. Debating this - I don’t know what the Chase investment portal is like compared to the TDAmeritrade and Vanguard accounts I have now.
     
  21. ohhaithur

    ohhaithur e-Batman
    Donor

    I'll s some d for one
     
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  22. Uncle Tupelo

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

    "Hey there Big Boy, How much?"
    "10K."
    "Dollars!?"
    "UR Points"
     
  23. CoastalOrange

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

    Sweet! Though, in fairness, ohhaithur is probably more deserving.

    To your question, I believe the right answer is to wait for the fee to hit, then call and downgrade and have the fee removed.
     
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  24. comrade static

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

    Still waiting for my first mailer... :crossedarms:
     
    colonel_forbin and texasraider like this.
  25. Degausser

    Degausser #NewProfilePic
    Donor
    Georgia BulldogsAtlanta Braves

    Still getting the 30 day message on Ink Preferred 3 days later. Is that normal or should it have changed by now?
     
  26. ohhaithur

    ohhaithur e-Batman
    Donor

    Degausser
     
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  27. Degausser

    Degausser #NewProfilePic
    Donor
    Georgia BulldogsAtlanta Braves

    So it should have changed already based on that, right? Does it sometimes take longer than the 24-48 hours?
     
  28. ohhaithur

    ohhaithur e-Batman
    Donor

    "They haven't processed it yet, continue to call back until that changes to 2 weeks or 7-10 days"
     
    Degausser likes this.
  29. Degausser

    Degausser #NewProfilePic
    Donor
    Georgia BulldogsAtlanta Braves

    Yeah my bad. I was looking at it wrong. I just want my card :crossedarms:
     
  30. 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 took 4-5 business days before the recording changed when I got mine, but it went from the 30 day message to approved.
     
    Degausser likes this.
  31. DetroitIrish3

    DetroitIrish3 Well-Known Member
    Donor
    Notre Dame Fighting IrishDetroit LionsDetroit Red WingsDetroit Pistons

    I bought my first place before I got my first credit card!

    Got the AMEX platinum 5 months ago. I love the points and perks from it.
     
    ohhaithur likes this.
  32. ohhaithur

    ohhaithur e-Batman
    Donor

    Congrats dude, I still haven't hit up the Platinum. Plenty more fun to be had with cards in the future. You'll catch up
     
    DetroitIrish3 likes this.
  33. DetroitIrish3

    DetroitIrish3 Well-Known Member
    Donor
    Notre Dame Fighting IrishDetroit LionsDetroit Red WingsDetroit Pistons

    Thank you!

    The best thing is the Delta fly club free entrance, especially at DTW. Pour your own drinks and free food.

    I legitimately use it as my debit card and just pay it off monthly.
     
    CoastalOrange likes this.
  34. DetroitIrish3

    DetroitIrish3 Well-Known Member
    Donor
    Notre Dame Fighting IrishDetroit LionsDetroit Red WingsDetroit Pistons

    if anyone tries to go platinum, please let me know so we both get a shit ton of free points!
     
  35. comrade static

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

    Remind me, does the 5/24 rule apply to chase biz cards?

    Also 5/24 only apply to credit cards right? I just had to renew the line of credit I have for my business, so they had to do a hard inquiry on my credit.

    I got Uber and Citi DC back in first quarter and did chase sapphire double dip back in July. So I should be 4/24
     
  36. Zebbie

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

    From what I can gather, you have to be under 5/24 to get a Chase biz card, but it won’t count against your 5/24 total once you’ve gotten it.
     
    Buzz, Uncle Tupelo, Menelaus and 4 others like this.
  37. ohhaithur

    ohhaithur e-Batman
    Donor

    U right
     
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  38. ohhaithur

    ohhaithur e-Batman
    Donor

    That's the only way to go. If you're not doing this all the "free" benefits you get are costing you a ton

    If you ever get a.100,000 point referral I'll take it. That's what I'm waiting on
     
    Uncle Tupelo, PAHokieinRVA and g8r like this.
  39. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

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  40. The_Baumer

    The_Baumer Go Mordecai!
    Donor

    That makes me want to vomit.
     
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  41. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    The one card I won't recommend anyone even think of referrals is Amex Platinum.

    The referral offer is never more than 60k so it's just not fair to anyone in the game to use it, especially for once in a life time bonuses - the 100k offer comes every now and then & it's best to jump on it then.

    Usually via CardMatch, targeted mailers or "Pre-qualified offers" on the amex site.

    Patience is the name of the game with Amex Plat bonuses.
     
    Zebbie, PJP3, tjsblue and 3 others like this.
  42. Uncle Tupelo

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

  43. ohhaithur

    ohhaithur e-Batman
    Donor

  44. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    Wife just the targeted offer. Need to jump on it but working on spg lux spend first.

    I'm getting deep
     
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  45. ohhaithur

    ohhaithur e-Batman
    Donor

    Yeah the amex spends are killing me. I've manufactured some spend recently to cover the $14,000/4 months I've burdened myself with and I don't like it
     
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  46. Uncle Tupelo

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

    Yeah, I can't use AMEX on Student Loans or Mortgages through Plastiq, so I figure I would need to MS a bit to hit some of those minimum spends. That's a world I'm not sure I want to go down.
     
  47. ohhaithur

    ohhaithur e-Batman
    Donor

    I'm doing it now for the same reason. I've found some funny ways to do it (I don't want to get into money orders) and I'm really close but I probably won't do this again. I got into this for no effort free stuff
     
  48. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    manufacturing spend is a step too far for me

    but i'm also approaching 2k in annual fees at the moment

    I suspect when my bonus chasing ends this will all get much more relaxed, and companies seem to be restricting bonuses more so I imagine it'll end before too long
     
  49. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    also my hyatt 40k bonus posted immediately but my 20k isn't posted yet reeeeee
     
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  50. ohhaithur

    ohhaithur e-Batman
    Donor

    There will always be bonuses
     
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