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. NC Wolfpack

    NC Wolfpack Go Pack Go
    Donor
    North Carolina State WolfpackGreen Bay Packers

    Probably can find this online somewhere, but does adding an authorized user to your account show a new open account for the added user? Thinking about adding my fiance to my account to maximize rewards on my credit card, but she also has room to grow her credit card base and I dont want to be opening multiple accounts at once in her name.
     
  2. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Yes - it shows up on their report. This could mean an auto reject on chase if that gets her to 5/24 but a phone call should resolve the issue.
     
  3. stangd

    stangd I love scotch. Scotchy, scotch, scotch
    Donor
    Florida State SeminolesOrlando MagicBuffalo BillsTampa Bay LightningOrlando City

    Went to close my Wells Fargo CC, they doubled my limit and gave me 24 month interest free transfer deal with no tranfer fees. Not bad, not a huge fan of Wells Fargo but I can use the nice interest free deal.
     
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  4. HuskerInMiami

    HuskerInMiami Well-Known Member
    Donor
    Miami DolphinsNebraska Cornhuskers

    I got a 100k mailer a couple months ago. Already hit bonus and opened it a week or 2 ago.
     
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  5. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Damn that's badass but I wouldn't want to risk them closing my account to get that offer
     
  6. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    If you need balance transfers there are a million cards that will do that that can actually provide value
     
  7. stangd

    stangd I love scotch. Scotchy, scotch, scotch
    Donor
    Florida State SeminolesOrlando MagicBuffalo BillsTampa Bay LightningOrlando City

    I was in the process of closing some credit card accounts I don’t use anymore. A capital one, one of my Barclays and my Wells Fargo. Just cleaning up my CC’s a little... surprised they made the offer to be honest, not sure when I Lasy used that card lol. It’s been a while.
     
  8. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Which cards have zero transfer fees and earn points or cash back from balance transfers?

    I found a BoA card with zero transfer fees but they have a 3/24 or 4/24 rule for new applications. Everyone else is in the 3-5% range on fees
     
  9. NC Wolfpack

    NC Wolfpack Go Pack Go
    Donor
    North Carolina State WolfpackGreen Bay Packers

    If that is the case, there is no value in adding an authorized user if there is a sign up bonus they are basically missing out on, correct?
     
  10. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    No one us giving you points or cash back for transferring a balance

    But you can get the quicksilver currently that will give you 150 bucks for spending 500
     
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  11. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Quicksilver's credit limits are trash and they charge 3% on balance transfers. Might make sense for some scenarios but not for what I'm trying to accomplish
     
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  12. Zebbie

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

    You are correct - I wouldn’t add an AU unless that person is already over 5/24 & not possibly going to be under it anytime soon
     
  13. Louis Holth

    Louis Holth but we also just might be those motherfuckers
    Donor
    South Carolina GamecocksAtlanta BravesCarolina PanthersTottenham Hotspur

    I signed my dog up for AA but haven’t gotten any mailer sent to me. Pls help.
     
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  14. phunkybuck

    phunkybuck Your pennies have been in my ass
    Donor TMB OG
    Ohio State BuckeyesCleveland BrownsColumbus Blue JacketsCleveland CavaliersCleveland IndiansGrateful Dead

    Still waiting as well. Did some reading on another site yesterday and people were saying they had to wait up to 6 months from signing up to receive a mailer.
     
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  15. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    I don't think there is any science to it
     
  16. ohhaithur

    ohhaithur e-Batman
    Donor

    Have you tried turning your dog off and then back on again?
     
  17. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Just made my second gift card run and Netflix is paid until may 2020 and my 400 uber bucks should last me until at least Sunday
     
  18. Zebbie

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

    Log in to dog’s AAdvantage account, dick around looking for a trip you might possibly want to take, go ahead & price it out, and then log out.
     
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  19. Louis Holth

    Louis Holth but we also just might be those motherfuckers
    Donor
    South Carolina GamecocksAtlanta BravesCarolina PanthersTottenham Hotspur

    But might dog doesn’t have any trips he’d like to take anytime soon
     
  20. Zebbie

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

    I’m sure you do though - just do your browsing logged in as him
     
  21. beist

    beist Hyperbolist
    Donor

    Hello friends. If I book a Marriott (or whatever its called now) hotel through the Chase UR portal, do I get credit for qualifying nights (I know I don't get points)?
     
  22. rezy

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

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  23. ohhaithur

    ohhaithur e-Batman
    Donor

    almost certainly not
     
  24. CoastalOrange

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

    Are the Citi Business Cards difficult to get? If not, then I think I am willing to go this route as I currently have status with AA and would like to keep that going. Also, any suggestion on which AA Business Card to go with? And finally, any referrals in here?

    Or is there a better Biz card I should look into instead?

    I should say, I am ready, willing, and able to give a referral for some good guidance. I have a fair amount of travel coming up and would like for this spend to be towards a minimum spend, though if I should hold off then I don't mind the points on the CSR and the SPG Lux.
     
  25. ohhaithur

    ohhaithur e-Batman
    Donor

    a
     
    #9575 ohhaithur, Feb 18, 2019
    Last edited: Jan 8, 2020
  26. CoastalOrange

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

    I thought this experience was for the regular personal card, no? The guidance I received itt was to not waste my last CC option on the AA personal card but instead to go a Biz card which won't count towards my 5/24 (since I am currently sitting at 4/24 based on the CSR/CSP, Hyatt, and SPG Lux).

    But yeah, that is still magical they don't bother you for having that many AA cards.
     
  27. ohhaithur

    ohhaithur e-Batman
    Donor

    I was talking about the business card, but yes it's both
     
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  28. Uncle Tupelo

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

    CoastalOrange the citi biz cards require 5 years of credit history. Just a heads up.
     
  29. Zebbie

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

    Get the Barclays one too - you literally have to pay the AF up front plus one purchase, even if that purchase is for a bottle of water for $1. I don’t think there are referrals for that one either - I applied for and got both the Citi and Barclays biz cards on the same day, so I’d recommend the same just in case any pulls show up on your credit.
     
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  30. Det. Frank Bullitt

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

    marcus

    My Weekend Night Reward posted on my Hilton acct from the Amex Hilton Aspire Card a couple days ago. I just called to use it....took care of 1 night at the Conrad Bora Bora Nui. /bartscott
     
  31. Zebbie

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

    Nice - when you going?
     
  32. Todd Bonzales

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

    Outstanding! Enjoy, man.
     
  33. Det. Frank Bullitt

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

    In Moorea from April 29-May 4, Bora Bora from May 5-9.

    Structured my booking to hopefully get upgraded.
     
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  34. CoastalOrange

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

    Another question, how do you determine if it is worth transferring Chase UR points to an airline? The specific airline in question is Southwest. I have the Southwest card but am 11k points short for a trip I am looking to take. Is it worth it to transfer those points or should I just purchase them directly from SW and keep the Chase points?
     
  35. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Purchasing points is always expensive as fuck
     
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  36. CoastalOrange

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

    Yeah, it was something like $307 for 12k points. Not ideal but if that is worth more than transferring my Chase points then I would go that route. I guess the overall question is how you guys determine if it is worth transferring Chase points out of Chase and to another provider or not?
     
  37. tjosu

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

    For the flights when I've booked through United they have been for trips to Europe which is 60k points. I look at the cost of paying cash for those flights to see what the point value is. Through Chase UR you can redeem at 1.5cpp, generally through the airline you can get higher than that. Some of the better redemptions will be around 2cpp. I've seen Southwest for over the 1.5 as well but they're usually right around that
     
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  38. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    calculate the value of the points you're transferring if used for the SW flight, if its > the cost of buying them and enough of a value compared to points value charts that places like The Points Guy or whoever publishes then its worth it
     
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  39. Nelson

    Nelson Can somebody please get Ja Rhule on the phone
    Donor
    Nebraska CornhuskersDenver NuggetsDenver BroncosColorado AvalanceBorussia DortmundManchester UnitedColorado State Rams

    Transferring to airlines is something I need to get better at
     
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  40. ohhaithur

    ohhaithur e-Batman
    Donor

    SW (and Chase portal) are both 1.5 cpp, which means they're safe bets. United can vary from .5 to 6+ so they're all over the place. Hyatt is all over the place too

    I feel safe using my UR on SW even if it means I miss out on some absurd middle eastern business class ticket in five years
     
  41. beist

    beist Hyperbolist
    Donor

    We did this for our honeymoon. Awesome trip. We actually enjoyed Moorea a little more than Bora Bora, but its hard to beat the view on BB.
     
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  42. Todd Bonzales

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

    More to do on Mo’orea.

    Det. Frank Bullitt , if you’re going to do a shark/ray swimming/lunch tour, pick Hiro’s. He was great.
     
  43. BrickTamland

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

    I may have scheduled my wedding block at a Westin and may be fronting all my immediate family’s hotel rooms for the Marriott points...

    :ballin:
     
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  44. Zebbie

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

    :grinch:
     
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  45. ohhaithur

    ohhaithur e-Batman
    Donor

    Why not the whole block?

    What card is getting your action?
     
  46. BrickTamland

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

    SPG Lux

    Think it’s only an $8k line.
     
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  47. stangd

    stangd I love scotch. Scotchy, scotch, scotch
    Donor
    Florida State SeminolesOrlando MagicBuffalo BillsTampa Bay LightningOrlando City

    Time to bump that baby and get all dem points
     
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  48. C A N E

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

    Signed up for the 100k Amex Bonvoy offer. That’ll help for bora bora.
     
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  49. ohhaithur

    ohhaithur e-Batman
    Donor

    can we get bonvoy word filtered?
     
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  50. C A N E

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

    I honestly cringed when I wrote it