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. BrickTamland

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

    So I’ve had two different student loans that I’ve consolidated down to and been paying down, type E and type F whatever that means. I just paid one off.

    Both of my scores just dropped 1-2 points on account of that line “closing.” What in the fucking shit is that?
     
  2. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    Less “open lines”

    But congrats, that’s worth it.
     
    i am a bammer and ohhaithur like this.
  3. BrickTamland

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

    WHATS THAT TIME TO OPEN MORE REWARDS CARDS NICE
     
  4. ohhaithur

    ohhaithur e-Batman
    Donor

    a
     
    #8604 ohhaithur, Dec 9, 2018
    Last edited: Jul 8, 2020
  5. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    1-2 points is literally nothing
     
    i am a bammer likes this.
  6. Nug

    Nug MexicanNug
    Donor
    Alabama Crimson TideSeattle MarinersAtlanta BravesNew Orleans Saints

    Alright, just signed up. :respek:

    The latter part of your post--how do I ensure I get the mailers for more offers? Do I have to refer someone?
     
    colonel_forbin likes this.
  7. Alshon

    Alshon Well-Known Member
    Donor
    South Carolina Gamecocks

    Log in to your dog’s account —> click around on the offer you want —> wait for mailers
     
  8. BrickTamland

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

    Feels so good finishing up with a 14y old student loan. Just a punch in the dick to see even a 1pt ding for it.
     
  9. BrickTamland

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

    Also, agree that we have a very real housing problem in this country right now. I don’t know how to fix it, but it’s why I focus my real estate investing on affordable, multi-family homes.
     
  10. BrickTamland

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

    I’m under 5/24 and have only opened a CIP and the SPG Lux AmEx in the past 6 mo.

    Any reason I wouldn’t be eligible to get either/both of these Marriott Rewards Premier bonuses? We’re trying to rack up as many UR and Marriott points as possible for our honeymoon.

    https://www.marriott.com/loyalty/earn/credit-card-rewards.mi
     
  11. Pharm

    Pharm Right Handed
    Donor
    Florida State SeminolesAtlanta HawksAtlanta Falcons

    My wife still hates me making up a business for CIP. Seems like the best option for points right now. New house so spending limit not a problem, just need some points to fly with my companion pass.

    There is no reason to cancle my shitty Wells fargo and shitty student discover card right? I think we have like a 50 dollars a month on either of them.
     
  12. ohhaithur

    ohhaithur e-Batman
    Donor

    Never cancel a free card
     
  13. BrickTamland

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

    Be careful if these are recurring payments (ie gym membership) on cards that you’re not using regularly and you start churning multiple cards. It’s easy to lose track of small monthly recurring payments and get a ding on your credit.
     
  14. Uncle Tupelo

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

    Not eligible for any of the Marriot cards because of the SPG card you opened up. The only one available to you is the SPG biz.
     
    BrickTamland likes this.
  15. Pharm

    Pharm Right Handed
    Donor
    Florida State SeminolesAtlanta HawksAtlanta Falcons

    Yeah I check them, they are my phone's months payment and I have it set to pay off every month . I only have 3 cards lol I'm not gonna churn, bc my wife doesn't understand it fully
     
  16. BrickTamland

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

    [​IMG]
     
  17. ohhaithur

    ohhaithur e-Batman
    Donor

    I'll happily refer you to the biz though :awesomeface:
     
    Uncle Tupelo likes this.
  18. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    Going through this. Gonna have my last loan paid off in 2019. What will really piss me off is if the feds roll out some forgiveness plan for student loans after that. Will have paid off $50k+ in the last three years.
     
  19. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    Should I apply for the business and personal Southwest cards on the same day?
     
  20. BrickTamland

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

    I have zero confidence that our government will be able to roll out any form of student loan forgiveness. Pay it off, don’t look back.

    Also, congrats.
     
    texasraider, Lipp, g8r and 6 others like this.
  21. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    Help another pharmacist out, let me know if you need a referral on the CIP.
     
  22. ohhaithur

    ohhaithur e-Batman
    Donor

    Yes
     
    g8r likes this.
  23. NoNatty

    NoNatty Keyboard Cowboy
    Donor
    Oregon DucksPortland Trail BlazersSan Francisco 49'ersManchester UnitedPortland Timbers

    as someone “in” PSLF, be grateful you paid yours off. I’m sacrificing the first 10 years of my career with the hope mine actually get forgiven.
     
    Lipp and pratyk like this.
  24. ohhaithur

    ohhaithur e-Batman
    Donor

    They also are fucking the public forgiveness plan. 99% rejections. And Devos would happily kill a puppy just to steal $2 from a poor person so I'm with you. She'd probably kill the puppy for fun
     
    Lipp and BellottiBold like this.
  25. HuskerInMiami

    HuskerInMiami Well-Known Member
    Donor
    Miami DolphinsNebraska Cornhuskers

    How do I refer my wife to the CS Reserve? I want to get credit for referring her, but I"m not seeing anywhere to do it. We're buying a trip to Jamaica for a friends wedding and I want to take advantage of the signup bonus as well as use the $300 travel credit this year.
     
  26. Uncle Tupelo

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

    CSR referrals are dead for the time being, unfortunately.
     
    ohhaithur likes this.
  27. HuskerInMiami

    HuskerInMiami Well-Known Member
    Donor
    Miami DolphinsNebraska Cornhuskers

    Damn.
     
  28. HuskerInMiami

    HuskerInMiami Well-Known Member
    Donor
    Miami DolphinsNebraska Cornhuskers

    Is there a good site to use when trying to use your points? I googled and some make you pay.
    Here's my travel plans, let me know if it's smarter to get a CC and earn rewards or to use my 300k UR points (would prefer to use unless new CC makes more sense). In the next months I'm:
    Going on a cruise -
    Fly to Vegas (March Madness)
    Fly to Nebraska (Sister's wedding)
    Fly to New Orleans (work)
    Fly to Jamaica (friends wedding)

    I have only paid for the hotel in Jamaica so far. With work, I can get reimbursed, so I was going to pay and earn points. Thanks
     
  29. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    Nmd
     
  30. ohhaithur

    ohhaithur e-Batman
    Donor

    You can use the portal or look at the travel partners directly. Shouldn't take very long at all and you don't need to pay anyone. But if you want to pay me I'll do it :wink:
     
  31. ohhaithur

    ohhaithur e-Batman
    Donor

    g8r likes this.
  32. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    Yeah I got it. Need referrals for personal and business Southwest cards. Would love to swap for cip referrals.
     
  33. ohhaithur

    ohhaithur e-Batman
    Donor

    I have personal but have nothing to trade. I won't be applying to any referrable cards for a while

    https://www.referyourchasecard.com/224/PUIXF3XKZ5
     
    g8r likes this.
  34. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    So I got that my request on the business needs review. Do I go ahead on the personal card? Next step on the business?
     
  35. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    Damn. Got need time on the personal card as well. I wonder if my wife making me an authorized user on her cip back in October is an issue.

    Called to check. Business was 7-10 days personal was 2 weeks.
     
    #8635 g8r, Dec 10, 2018
    Last edited: Dec 10, 2018
  36. CoastalOrange

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

    I might take you up on this in early 2019.
     
    ohhaithur likes this.
  37. Roast

    Roast Well-Known Member
    Southern Mississippi Golden EaglesGeorgia BulldogsAtlanta BravesNew Orleans SaintsNashville PredatorsTennis

    Am I dumb for not getting the free Amex Platinum since I’m active duty military? I travel a good bit but it’s on the government’s dime usually.
     
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  38. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Yes. Just use the sign up bonus and other benefits for free
     
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  39. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    Yes. The perks are nice especially for $0

    just the uber credit is worth keeping it for $0 annual fee
     
    MA and ohhaithur like this.
  40. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    amex lounges are dope
     
    Menelaus and ohhaithur like this.
  41. BellottiBold

    Donor
    Oregon Ducks

    Might need to do capital one venture with those new transfer options. That sign-up bonus is fat.
     
  42. rezy

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

    I use awardhacker.com to research flights and find a starting point for redemptions. It’s not going to show you actual availability just what is generally available in peak or off peak season
     
    HuskerInMiami, Lipp and ohhaithur like this.
  43. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    So I have been approved for the personal southwest card but still 7-10 on the business. Having convinced them on the cip back in August will I need to change my strategy this time?
     
    marcus likes this.
  44. gordon bombay

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

    Yes you should sign up for both the amex platinum and CSR asap, no reason to not have both if the fees are covered. I would just make sure you are getting the 100K signup bonus with the platinum.
     
  45. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
    Donor TMB OG
    Texas LonghornsManchester United

    Anyone else targetted for AmEx Hilton transfer offer?

    50% bonus. So 100k AmEx points is worth 300k transferred to Hilton, instead of normally 200k.

    Going on a honeymoon in April, and trying to maximize value, likely on a Tahiti trip.

    300k Hilton points is not insignificant, but their Tahiti property redemptions are astronomical. Starting at 253k/night
     
    PAHokieinRVA likes this.
  46. Todd Bonzales

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

    Get the aspire and have an automatic free weekend night cert or get the ascend and be able to reasonably earn one.
     
  47. Uncle Tupelo

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

    Agreed. Don't transfer MR points to Hilton points. A better value would be business/first class flights to Tahiti I would think.

    Also look into the Hilton Biz as well. I think the current offer of 125K +$100 beats the Ascend, with the same benefits
     
    #8647 Uncle Tupelo, Dec 11, 2018
    Last edited: Dec 11, 2018
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  48. Todd Bonzales

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

    And I’m almost certain the Conrad Bora Bora is eligible for those certs(May change for some dates) which is $800-$1,000 in itself. Add in the bonus points for signing up for either card(+$250 credit if you go aspire) and you’re in good shape.

    C A N E , I haven’t forgotten, I’ll PM you about excursions and stuff.
     
  49. BrickTamland

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

    Speak to me of your Hilton travel cards, personal and bidness...
     
  50. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    BellottiBold likes this.