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. MA

    MA Surprisingly normal looking
    Donor TMB OG
    Alabama Crimson TideSan Antonio SpursHouston TexansWashington CapitalsManchester UnitedUnited States Men's National Soccer TeamAtlanta United

    Amex doesn't allow student loan payments on Plastiq. This is a big blow to hitting my MSR.
     
  2. ohhaithur

    ohhaithur e-Batman
    Donor

    It's why I never do amex. So hard to spend big
     
  3. The_Baumer

    The_Baumer Go Mordecai!

    Churning a shit situation into gold:

    My dog got sick recently and had to have surgery. Some will think I’m nuts but I actually have pet insurance. All said and done, we ran up $10k in bills real quick. I had just applied for Chase Ink Unlimited for my wife so we smashed that min spend and got 1.5 points on that total.

    I’m happy to report the dog is okay and waiting for the check from the insurance. They’ll pay 90% of the total.
     
    #9203 The_Baumer, Jan 10, 2019
    Last edited: Jan 10, 2019
  4. Lipp

    Lipp Spartan Dawg
    Donor
    Michigan State SpartansDetroit TigersDetroit LionsDetroit Red WingsGeorge Washington Colonials

    FYI - it looks like all three Southwest cards are offering the same companion pass bonus. Look at the different features and annual fees of each before you decide which to get. I think I just got the basic one with a $69 fee, which in retrospect was prob a mistake because the increased fee of the other two cards will essentially pay for themselves between the four upgrades and the $75 statement credit.
     
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  5. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Didn't think you could get bonuses for 2 personal cards anymore?
     
  6. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Getting reimbursed for CC spend is the tits
     
  7. ohhaithur

    ohhaithur e-Batman
    Donor

    Some have reported being crafty and getting it
     
    TAS likes this.
  8. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Seems risky
     
  9. ohhaithur

    ohhaithur e-Batman
    Donor

    Sometimes the best things in life are
     
  10. Lipp

    Lipp Spartan Dawg
    Donor
    Michigan State SpartansDetroit TigersDetroit LionsDetroit Red WingsGeorge Washington Colonials

    I got the “we’ll let you know as soon as possible” message for the SW card. I called the automated message and it said two weeks. So I called the reconsideration line and she said they wanted to shift around my balances to free up an extra 2k. I told her I opened up the World of Hyatt in November and would be fine with splitting that 24k balance in half, which she did. She also said it was not a problem that I opened another Chase card up in late November.

    I think I’m starting to fly a little too close to the sun so I’m gonna chill after this for a little bit.
     
  11. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Most definitely. What does the craftiness involve?
     
  12. ohhaithur

    ohhaithur e-Batman
    Donor

    Applications different calendar day but within 24 hours
     
    TAS likes this.
  13. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Goddamn criminal masterminds
     
    ohhaithur likes this.
  14. i am a bammer

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

    Can you downgrade the World of Hyatt card to a no AF card?
     
  15. ohhaithur

    ohhaithur e-Batman
    Donor

    No but the AF is easily offset
     
    i am a bammer likes this.
  16. i am a bammer

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

    Yeah it's no big deal, the free night is more than worth it
     
  17. Uncle Tupelo

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

    Generally, Its a good idea to SM Chase and lower your credit limits before applying to another card. I usually drop it to 2K each card. Chase doesn't like to give out total credit limits in excess of about 50% of your income.
     
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  18. Lipp

    Lipp Spartan Dawg
    Donor
    Michigan State SpartansDetroit TigersDetroit LionsDetroit Red WingsGeorge Washington Colonials

    That math checks out based on my income and Chase card portfolio (Reserve, Freedom, Freedom Unlimited, Ink Biz, World of Hyatt, and now SW).
     
    Uncle Tupelo likes this.
  19. EMAW FC

    EMAW FC Proud Smucker
    Donor
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsCalgary FlamesUnited States Men's National Soccer TeamFulhamSporting Kansas City

    that is enticing. just wrapped up two years of CP 17/18. Scaling back the travel this year and will double dip late in 19 to get it for 20/21. might see if the wife wants to grab it for herself tho since she isn't a big churner
     
    PAHokie, ohhaithur and Uncle Tupelo like this.
  20. i am a bammer

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

    Does Chase ever actually take the full 7-10 business days to send a card?
     
  21. ohhaithur

    ohhaithur e-Batman
    Donor

    Yes
     
    i am a bammer likes this.
  22. BrickTamland

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

    pics of dog pls
     
    BayouMafia and The_Baumer like this.
  23. prerecordedlive

    prerecordedlive Matthew Gertz is my real Congressman
    Donor TMB OG
    Florida State SeminolesTampa Bay RaysSan Jose SharksOrlando CityWolverhampton Wanderers

    Do you guys cancel accounts to be eligible for signup bonus after X amount of time or do some of you just have like 30 lines of credit slowly aging?

    I just got the Citi Premier in time to put about $5k or dental work on it. Should translate to about $1,100 in travel credit with the signup bonus.

    Meant downgrading my CSR to a Slate. And I’ve got an old ass Barclay’s card and a CO Quicksilver that used to be the Venture. I keep an Amex Delta Plat with my wife for the companion ticket.

    How am I doing?
     
    tjsblue and TAS like this.
  24. The_Baumer

    The_Baumer Go Mordecai!

    Hamilton. My wife posed him in a scarf for a Christmas card. Please don't judge me.

    0ED39F2E-0FA4-46E6-810C-BE316125D034.JPG
     
  25. hawkeyeOUTeast

    hawkeyeOUTeast Love it or leave it!
    Donor

    Can I get a Chase business if I already have CSR? If so, referral link? And what’s a good bonus on that nowadays?
     
  26. MA

    MA Surprisingly normal looking
    Donor TMB OG
    Alabama Crimson TideSan Antonio SpursHouston TexansWashington CapitalsManchester UnitedUnited States Men's National Soccer TeamAtlanta United

    Took a couple weeks to get my World of Hyatt card.
     
    i am a bammer likes this.
  27. The_Baumer

    The_Baumer Go Mordecai!

    Yes, Chase Ink is the best offer going now. Let me know if you want a referral.

    https://www.referyourchasecard.com/m/21/6L5/FTWS/1545598897 Earn 80,000 bonus points with Chase Ink Business Preferred. I can be rewarded, learn more.
     
    Uncle Tupelo and ohhaithur like this.
  28. ohhaithur

    ohhaithur e-Batman
    Donor

    We mostly never close accounts unless we're going to get the bonus again at a later date.

    You're doing OK. You're not maximizing but you're comfortable and that's OK too
     
    TAS, Uncle Tupelo and prerecordedlive like this.
  29. BrickTamland

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

    Get this the fuck off of me, dad.
     
  30. BrickTamland

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

    To be clear, I can’t get the Chase Ink Marriott Premier Plus 75k sign-up bonus since I have already done an SPG Lux and SPG Business Lux bonus?
     
  31. ohhaithur

    ohhaithur e-Batman
    Donor

    It's not ink but yes
     
    BellottiBold and BrickTamland like this.
  32. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    Rented a car using the AMEX Platinum. It was broken into while I had it. I have filed a claim thru the Car Rental Loss & Damage Insurance

    "Can provide coverage for theft of or damage to eligible rental vehicles when you reserve and pay for an eligible vehicle rental with your Card."

    Eligible up to $1,000 worth of stolen goods and the process takes up to 45 days. Lets see how this plays out. :bananallama:
     
    DistantFactor, arrdub, TAS and 8 others like this.
  33. ohhaithur

    ohhaithur e-Batman
    Donor

    Rental insurance might be the most underrated credit card park. Good luck
     
    BayouMafia likes this.
  34. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    How do you think this plays out?

    Cliffs on the story, truck window smashed and luggage taken. Police report filed. Get a call 4 hours later from police our bags are found and the only thing missing is my ipad.

    I realize I'm very fortunate.
     
    #9234 LeVar Burton, Jan 10, 2019
    Last edited: Jan 10, 2019
    Uncle Tupelo likes this.
  35. BrickTamland

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

    I believe you said that the entire contents of your bags were stolen, didn’t you? Or did they just take the iPad and faberge egg?
     
    BP, Whammy Business, Lipp and 5 others like this.
  36. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    Just the iPad :loldog:
    I should have stretched the truth huh?
     
  37. ohhaithur

    ohhaithur e-Batman
    Donor

    Def not, you did just fine. Risking felony for $100 seems dumb
     
  38. LeVar Burton

    LeVar Burton Knee deep in a dynasty, ROLL TIDE!
    Kansas JayhawksAlabama Crimson Tide

    You know, if AMEX comes thru here, I might stick with this card and not try to stick it to them like I did with Chase. :awesomeface::angrycorn:
     
  39. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Filing insurance claims is probably the smoothest with Amex. Chase Can be a pain in the ass as you have to deal with Chubb on your own
     
    LeVar Burton likes this.
  40. ANTWONE

    ANTWONE Hello
    Donor TMB OG
    Florida State SeminolesMiami HeatTampa Bay Buccaneers

    Tried going back in the thread to find it but no luck..

    Which airline can I buy a $200 gift card towards with the AMEX platinum?
     
    LeVar Burton likes this.
  41. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    American and Delta at least. Maybe Southwest still works. United may not work anymore with the Demise of travel registry.
     
    #9241 pratyk, Jan 10, 2019
    Last edited: Jan 10, 2019
    LeVar Burton likes this.
  42. Zebbie

    Zebbie Master of Nothing
    Donor
    Texas Tech Red RaidersTexas RangersChicago CubsDallas MavericksSan Diego ChargersDallas StarsTottenham

    Keep us posted, I don’t have the AmEx Platinum but I’ll probably get it when the 100,000 point welcome offer comes back around, but it would be one if definitely consider keeping long term so I’m curious how this plays out too.
     
    LeVar Burton likes this.
  43. Struggler

    Struggler Well-Known Member
    Donor
    Ohio State BuckeyesLSU TigersCincinnati RedsCincinnati Bengals

    I got the $250 southwest gift card a few weeks ago. Got the credit to my account a couple days later. (Hilton Aspire Amex)
     
  44. Struggler

    Struggler Well-Known Member
    Donor
    Ohio State BuckeyesLSU TigersCincinnati RedsCincinnati Bengals

    I’m 4/24 and already have a SW visa. Are there options for me to double dip SW cards or is that out since I have one already?
     
  45. marcus

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

    You did it all in one swoop, right? Not like two hunnits and a fifty? I did one $250 purchase two days ago on it. SHOULD be coming in soon. :pray:
     
    i am a bammer and Struggler like this.
  46. Struggler

    Struggler Well-Known Member
    Donor
    Ohio State BuckeyesLSU TigersCincinnati RedsCincinnati Bengals

    Yes. Just used it to fly the fam down to Disneyland. I’m pretty sure one minimum spend was the tickets to get in the Mouse’s House
     
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  47. i am a bammer

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

    The Hilton Amex airline credit resets for the calendar year, right? Probably time to get another gift card this year
     
    Struggler likes this.
  48. Struggler

    Struggler Well-Known Member
    Donor
    Ohio State BuckeyesLSU TigersCincinnati RedsCincinnati Bengals

    I hope you’re right, but I believe it’s renewal date now
     
  49. marcus

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

    Yes, sir.
     
    Struggler likes this.