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. C A N E

    C A N E Well-Known Member
    Donor
    Miami HurricanesMiami Heat

    Yeah but a total of two in that period. Should I just hold off on doing it until end of Jan.?
     
  2. ohhaithur

    ohhaithur e-Batman
    Donor

    Just call and they'll manually review it. They have to manually review everything under 65 days.

    Under 8 days since your last app: Don't apply
    8-65 days since your last app: Apply, call, they'll confirm something or process something or ask you to lower your credit then approve you
    66+: Free miles
     
    CoastalOrange and C A N E like this.
  3. C A N E

    C A N E Well-Known Member
    Donor
    Miami HurricanesMiami Heat

    Do I have to call or will they automatically move credit limits around and approve it?

    Edit: called and said they’re mailing me a letter with “instructions”
     
    #8403 C A N E, Nov 28, 2018
    Last edited: Nov 28, 2018
  4. ohhaithur

    ohhaithur e-Batman
    Donor

    Doesn't seem likely that they'd do that without talking to you but I've never not called so idk for sure
     
  5. Zabka

    Zabka Well-Known Member
    Donor

    Anyone have a referral for the Starwood Preferred Guest Amex?
     
  6. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    if you're talking Lux yes

    Apply for an American Express Card with this link. We can both get rewarded if you're approved! http://refer.amex.us/JONATAgjIl?xl=cpf5
     
  7. Zabka

    Zabka Well-Known Member
    Donor

    Sorry, looking for the other one...The Starwood Preferred Guest®Credit Card
     
    Lyrtch likes this.
  8. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    if you click the "view all cards with referral offers" at the bottom you can do that one
     
  9. Zabka

    Zabka Well-Known Member
    Donor

    Done and approved
     
    HuskerInMiami and Lyrtch like this.
  10. Baseballman86

    Baseballman86 Well-Known Member

    Ok guys, back in for my quarterly “what card next”

    Currently have:

    CSR
    CFU
    CIP
    World of Hyatt
    Hilton Ascend
    Discover It
    Delta Platinum AMEX
    Marriott Premiere Plus

    At or over 5/24.

    Any cards I should personally get, or is it time to go back through the good ones above with my wife, who has basically a clean slate?
     
  11. ohhaithur

    ohhaithur e-Batman
    Donor

    The wife cuz you'd get referrals too in some cases

    Or double djp the southwest for companion pass with her next week too get companion pass
     
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  12. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    <3
     
  13. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    this is why i'm heading down that path, get referrals before downgrading my own cards in the future
     
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  14. BellottiBold

    Donor
    Oregon Ducks

    Fuck you ajax :whyioughta:

    Anyway.
    Anybody mess with Lifemiles from Avianca? They're a Star Alliance member and have a CC with a 40k sign up bonus with no minimum spend, and a promo code supposedly good for an additional 20k through 12/1. There's a 159 annual fee, but some have had luck asking them to waive it.
     
  15. Uncle Tupelo

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

    Have your wife get the companion pass, or refer her for the CIP.
     
  16. BrickTamland

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

    So I’m under 5/24, but have recently done a CSR/CSP double dip and the SPG Lux AmEx. What’s available to me?

    Marriott Rewards Premier Plus?
     
  17. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    got the hyatt card?

    chase ink is the other good option for a big bonus
     
  18. BrickTamland

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

    Have chase ink, trying to amass more Marriott points (or UR points.) If I can’t make enough Marriott points happen, I may go the Hyatt route, but their properties in Greece are limited.
     
  19. The_Baumer

    The_Baumer Go Mordecai!

    How long has it been between your CIP app? The Ink Cash or Ink Unlimited would get you 50k UR points.
     
    Lipp likes this.
  20. Uncle Tupelo

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

    Only other Marriott Bonus you're eligible for is the SPG Biz Card because of that SPG Lux bonus. If you want UR points I'd maybe try the CIC or CIU?
     
    BrickTamland and The_Baumer like this.
  21. BrickTamland

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

    Did a Chase Ink Business Preferred in August.
     
  22. The_Baumer

    The_Baumer Go Mordecai!

    You’d be fine applying for one of those then.
     
    ohhaithur and BrickTamland like this.
  23. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    If anyone is looking to get an Amex platinum on this thread, I can refer them for 75,000 MR bonus after 5,000$ spend. While this is not the highest ever offer (100k MR but it seems like it's highly targeted now), and the current public offer is 60K points.
     
  24. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    i cant get over how poorly the marriott/spg website merger has gone

    seems half the time i go to log in its down
     
    ohhaithur likes this.
  25. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Can't wait to start earning those BonVoy points!!!

    If you guys missed it -

    https://onemileatatime.com/marriott-bonvoy/

    The stupidity that went into choosing that name must have been astounding.
     
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  26. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    it all makes me almost want to swap to Hilton for my non Hyatt hotel needs

    almost
     
  27. Jimmy the Saint

    Jimmy the Saint It's like the Weimar Republic in that place
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersUnited States Men's National Soccer Team

    Just think, they paid some marketing firm a lot of fucking money to come up with that.
     
    Lipp likes this.
  28. ohhaithur

    ohhaithur e-Batman
    Donor

    I had to fight them for almost 100,000 points they lost. They were all in my activity but they didn't show in my total. Took at least 6 hours on the phone
     
    Lyrtch likes this.
  29. Baseballman86

    Baseballman86 Well-Known Member

    Those double dipping with spouses taking on same cards, do you add yourself as an authorized user or no?
     
  30. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    not usually unless there's a bonus for doing it or benefits pass to the user (like Amex Plat)

    we're in a unique spending position where she basically never spends money when i'm not there
     
    Baseballman86 likes this.
  31. ohhaithur

    ohhaithur e-Batman
    Donor

    Bad idea
     
    tjsblue and Baseballman86 like this.
  32. Russellin4885

    Russellin4885 Well-Known Member
    Donor

    Why is that?
     
  33. ohhaithur

    ohhaithur e-Batman
    Donor

    It adds an account to your profile
     
    Russellin4885 and tjsblue like this.
  34. BrickTamland

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

    We only added her to my CSR because it’s a card I’ll keep in its current form.
     
  35. Uncle Tupelo

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

    It only adds an account to your profile if it's a personal card, no? Biz cards would be fine to add a spouse as an AU i think.
     
  36. i am a bammer

    i am a bammer Ben Eblen>Jamychal Green
    TMB OG
    Alabama Crimson Tide

    How long do hard inquries take to show up on your credit report? I still haven't been hit by my applications in September
     
  37. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    they're usually Instant. What banks did you apply for?
     
  38. i am a bammer

    i am a bammer Ben Eblen>Jamychal Green
    TMB OG
    Alabama Crimson Tide

    Chase and AmEx
     
  39. Houndster

    Houndster Ball don't lie
    Staff Donor

    Anybody have a referral for a Hilton Honors AMEX card? Going to sign up later tonight

    Edit nvm i can’t use a referrer on a mailer
     
  40. i am a bammer

    i am a bammer Ben Eblen>Jamychal Green
    TMB OG
    Alabama Crimson Tide

  41. ohhaithur

    ohhaithur e-Batman
    Donor

    I believe the lines of credit still count towards bustout risk which hurts you with chase
     
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  42. Houndster

    Houndster Ball don't lie
    Staff Donor

  43. phunkybuck

    phunkybuck Your pennies have been in my ass
    Donor TMB OG
    Ohio State BuckeyesCleveland IndiansCleveland CavaliersCleveland BrownsColumbus Blue Jackets

    Cool!
     
    marcus likes this.
  44. tjsblue

    tjsblue I was right at the time
    Donor

    Ok cool, hook em.
     
    Det. Frank Bullitt likes this.
  45. marcus

    marcus Sex with old ladies for money, and bear traps.
    Donor
    Ohio State BuckeyesCleveland IndiansCleveland CavaliersCleveland Browns

    Sorry, guys. HiltonHonors is closed. We don’t want yer KIHND around here.
     
    i am a bammer likes this.
  46. ohhaithur

    ohhaithur e-Batman
    Donor

    Unless they want to give us referrals
     
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  47. HuskerInMiami

    HuskerInMiami Well-Known Member
    Donor

    Ya, they're my only two. I got reserve when it first came out a couple years ago.

    Preferred was 2 months ago that I downgraded.
     
  48. HuskerInMiami

    HuskerInMiami Well-Known Member
    Donor

    I have I have 305,000 Chase rewards points and want to use them to book a vacation. Is there a best way to do it? I'd prefer to do a cruise but would look at others. Basically, can you help me maximize my points.