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. tjosu

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

    Finally got my free night cert for the Aspire, took nearly 9 weeks
     
  2. Bricktop the white

    Bricktop the white Well-Known Member

    The amex gold is incredibly striking visually and it makes me feel like a big man when I use it.
     
  3. phunkybuck

    phunkybuck Your pennies have been in my ass
    Donor TMB OG
    Columbus Blue JacketsCleveland BrownsOhio State Buckeyes

    Applied for the Citi AA Business card and was rejected for whatever reason. So I applied for that new Barclays card and got approved. Then Saturday I receive the Citi Business card in the mail and yesterday got the Barclays card. Now I have to spend $9k in the next 4 months...fuck me.
     
  4. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Plastiq has a mastercard promo running IIRC.
     
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  5. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
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    Plastiq is usually inadvisable bc the cost outweigh the rewards, right??

    I guess more on day to day transactions vs quick spending to get the bonus
     
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  6. ohhaithur

    ohhaithur e-Batman
    Donor

    The latter for sure
     
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  7. ohhaithur

    ohhaithur e-Batman
    Donor

    You got Citi'd
     
  8. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    If you can't hit 9K in 4 months, Plastiq's not bad for insurance .. the spending bonus easily outweighs the cost (2.5% non offer)..
     
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  9. AHebrewToo

    AHebrewToo Albino Hebrew Extraordinaire
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    Indiana HoosiersNotre Dame Fighting IrishWashington NationalsIndiana PacersIndianapolis Colts

    Any suggestions on CCs to use for groceries? That's the one big spend category I have in our budget that we're just getting 1% back on.
     
  10. The_Baumer

    The_Baumer Go Mordecai!

    Freedom is 5% this quarter.
     
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  11. Uncle Tupelo

    Uncle Tupelo Well-Known Member
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    Blue cash preffered. 6% back
     
  12. laxjoe

    laxjoe Well-Known Member
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    Notre Dame Fighting IrishNational LeagueAvengersSan Diego Padres

    blue cash preferred is 6% at grocery stores

    they're also offering $250 credit after you spend $1000 in 3 months
    Apply for an American Express Card with this link. We can both get rewarded if you're approved! http://refer.amex.us/JOSEPQx3s8?xl=cp20
     
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  13. ohhaithur

    ohhaithur e-Batman
    Donor

    A new signup bonus minimum spend is like 30% back :wink:
     
  14. Bricktop the white

    Bricktop the white Well-Known Member


    Amex gold is 50k signup bonus and 4x mr points on grocery stores.
     
    i am a bammer likes this.
  15. Louis Holth

    Louis Holth David LaChapelle levels of not giving a fuck
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    So my dog finally got an AA card offer. It’s for 65k miles but I already have this particular card it’s advertising. How should I navigate this?
     
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  16. Zebbie

    Zebbie Hey Mike, guess what I have in my underwear?
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    Texas Tech Red RaidersTexas RangersChicago CubsLos Angeles ChargersTexas Tech Red Raiders alt

    You can apply for it using the code - no limit to how many AA personal cards you can have open if using mailers because they don’t have the 24 month language in them
     
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  17. Louis Holth

    Louis Holth David LaChapelle levels of not giving a fuck
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    South Carolina GamecocksAtlanta BravesCharlotte HornetsCarolina PanthersTottenham Hotspur

    Is that a good offer and AA personal cards covers if you have multiple platinum cards?
     
  18. tjosu

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

    The trick with Citi is that you’re able to get the same card over and over because on the offer there shouldn’t be any language about being ineligible for the bonus if you’ve gotten it within two years
     
    Louis Holth likes this.
  19. Louis Holth

    Louis Holth David LaChapelle levels of not giving a fuck
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    Should I cancel the other one first? I think it’s like a $99 annual fee.
     
  20. tjosu

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

    You might be able to downgrade it to a Double Cash but I’m not positive on the move there, I’ll defer to someone smarter
     
  21. ohhaithur

    ohhaithur e-Batman
    Donor

    You can. Or Mileup. Or dividend
     
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  22. Louis Holth

    Louis Holth David LaChapelle levels of not giving a fuck
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    Thanks dude.

    ohhaithur
     
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  23. Louis Holth

    Louis Holth David LaChapelle levels of not giving a fuck
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    South Carolina GamecocksAtlanta BravesCharlotte HornetsCarolina PanthersTottenham Hotspur

    What do those last two mean?
     
  24. ohhaithur

    ohhaithur e-Batman
    Donor

    Mileup is trash. Dividend is Citi's version of the freedom. 5x categories

    I'd pick doublecash or dividend. Also make sure you wait a year before downgrading to either
     
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  25. Louis Holth

    Louis Holth David LaChapelle levels of not giving a fuck
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    South Carolina GamecocksAtlanta BravesCharlotte HornetsCarolina PanthersTottenham Hotspur

    I might have to text you later. I’m dumb as hell.
     
  26. ohhaithur

    ohhaithur e-Batman
    Donor

    We know
     
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  27. i am a bammer

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

    If I were getting a grocery card I think I'd go Amex Gold. Does the airline credit work on Southwest gift cards? If it does it's, at worst, value neutral.
     
  28. Bricktop the white

    Bricktop the white Well-Known Member

    I think it only works with delta but supposedly they are trying to crack down on all of it
     
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  29. Baseballman86

    Baseballman86 Well-Known Member

    I can confirm. I just did my delta gift card purchase about 5 days ago as 2 $50 purchases and got both back. May be going away soon, but still active for now.
     
  30. bRamonceTaylor

    Donor

    Amex platinum airline credit worked for SW for me this year (and last).
     
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  31. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson TigersAntifaAnarchy

    my amex delta plat bonus is taking forever to post
     
  32. Jimmy the Saint

    Jimmy the Saint It's like the Weimar Republic in that place
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    I’m still waiting on a Hilton bonus that I met the minimum spend on almost 3 months ago. They’re taking every bit of that 8-12 weeks.
     
    Lyrtch likes this.
  33. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Is this your first Amex card? If so, they always take a while and there's no way around it.
     
  34. laxjoe

    laxjoe Well-Known Member
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    how quickly is too quick to apply for my second CIP? parents might have some additional expenses that i could use to satisfy the minimum spend requirement
     
  35. hawkeyeOUTeast

    hawkeyeOUTeast Love it or leave it!
    Donor

    Can you refer yourself for a CIP using your current CIP?
     
  36. laxjoe

    laxjoe Well-Known Member
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    Notre Dame Fighting IrishNational LeagueAvengersSan Diego Padres

     
  37. Spontaneous Cumbustion

    Spontaneous Cumbustion Well-Known Member
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    So getting a second cip is a thing now? Interesting.
     
  38. LSU90

    LSU90 Well-Known Member

    Getting as many CIP as they will let you is a thing.
     
  39. laxjoe

    laxjoe Well-Known Member
    Donor
    Notre Dame Fighting IrishNational LeagueAvengersSan Diego Padres

    what do you make different about the different applications? my "business name" is my full name with middle initial right now and i used my SSN. when i get my second CIP, what changes should i make with the application?
     
  40. LSU90

    LSU90 Well-Known Member

    none. same application again (as far as I know).

    Im not some hardcore churner so I dont keep up with the day to day stuff but I have gotten CIP3 for myself and my wife within the last two months with the same exact information.
     
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  41. Jimmy the Saint

    Jimmy the Saint It's like the Weimar Republic in that place
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    No, I have many.
     
  42. Jimmy the Saint

    Jimmy the Saint It's like the Weimar Republic in that place
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    I contacted Amex and they're trying to tell me my bonus offer was 150k Hilton points for $3k spend in the first 3 months. The one I signed up for was 125k for $2k spend, the same as it is now. They've opened up a case that will take another 6-8 weeks to resolve. Motherfuckers.
     
  43. Uncle Tupelo

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

    For me at least:

    CIP #1: First Name Last Name / SSN
    CIP #2: First Name Last Name/ EIN
    CIP #3: First Name Middle Name Last Name/ SSN

    Applied 3/4 months apart, approved within 24 hrs each time.
     
  44. The_Baumer

    The_Baumer Go Mordecai!

    Whatcha going to do with all those points?
     
  45. ohhaithur

    ohhaithur e-Batman
    Donor

    Spend em
     
  46. laxjoe

    laxjoe Well-Known Member
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    Notre Dame Fighting IrishNational LeagueAvengersSan Diego Padres

    [​IMG]
     
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  47. CF3234

    CF3234 Fan of: Bandwagons
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    Still pending for CSR. Got a bunch of purchases waiting for this damn card to be approved.
     
  48. ned's head

    ned's head Well-Known Member

    Switched to a different cash back card. Cutting my sapphire preferred card left me bloodied and with carpal tunnel
     
  49. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Good bonus for JetBlue cards - Personal & business.
     
  50. ohhaithur

    ohhaithur e-Batman
    Donor

    Which one?