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. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Pretty sure you can't go from a Chase card to a co-branded card like the Amazon Rewards. You'll have to pick from
    -Chase Freedom
    -Chase Freedom Unlimited
    -Chase Slate?
     
    kentucky_dawg likes this.
  2. ohhaithur

    ohhaithur e-Batman
    Donor

    Correct

    Or up to a CSR
     
    TAS likes this.
  3. Beanh8er

    Beanh8er Get the cock out of your ear, Dumbfuck.
    Donor
    Florida State SeminolesMiami Dolphins

    Need a little help deciding my next card: I’m at 4/5 and have a CIP and no CSR/CSP. Doing an Aaviator business to put rent on this month, but suggestions after that?
     
  4. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

  5. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    always feel like a douche using the amex plat
     
  6. BellottiBold

    Donor
    Oregon Ducks

    [​IMG]
     
    DistantFactor, laxjoe and tjsblue like this.
  7. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    there's one of these where the divider can be lowered if you're traveling with the person next door and it just becomes a huge bed with two recliners

    airlines seem to be moving away from these insane first class suites though
     
    i am a bammer likes this.
  8. BellottiBold

    Donor
    Oregon Ducks

    It's this one (Singapore on the a380).
     
    Lyrtch likes this.
  9. CF3234

    CF3234 Fan of: Bandwagons
    Donor TMB OG
    Miami HurricanesMiami MarlinsMiami DolphinsFlorida PanthersTiger WoodsGame of ThronesMiami Heat

    My CIP is not showing up on my chase account. because its a business card does it need it's own login?
     
  10. Zebbie

    Zebbie Hey Mike, guess what I have in my underwear?
    Donor
    Chicago CubsLos Angeles ChargersTexas Tech Red Raiders altCoors Light

    Yes
     
  11. CF3234

    CF3234 Fan of: Bandwagons
    Donor TMB OG
    Miami HurricanesMiami MarlinsMiami DolphinsFlorida PanthersTiger WoodsGame of ThronesMiami Heat

    will I still be able to combine all my UR points to one account?
     
  12. Zebbie

    Zebbie Hey Mike, guess what I have in my underwear?
    Donor
    Chicago CubsLos Angeles ChargersTexas Tech Red Raiders altCoors Light

    Yeah, I can’t remember where it is, but there’s a place where you can transfer them between CC accounts - I just had to type in my CC number for my CSR to transfer them from my CIP.

    I have 2 separate logins for Chase (1 for personal cards, 1 for business cards) because the interfaces are a little different, but if you combine them all, you’re forced to the business layout.
     
  13. CF3234

    CF3234 Fan of: Bandwagons
    Donor TMB OG
    Miami HurricanesMiami MarlinsMiami DolphinsFlorida PanthersTiger WoodsGame of ThronesMiami Heat

    thanks.
     
  14. Spontaneous Cumbustion

    Spontaneous Cumbustion Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCincinnati BengalsXavier MusketeersFC CincinnatiTottenham HotspurUnited States Men's National Soccer Team

    Yes and they can link your personal cards to your business card login. They just can't do it the opposite way.
     
  15. CF3234

    CF3234 Fan of: Bandwagons
    Donor TMB OG
    Miami HurricanesMiami MarlinsMiami DolphinsFlorida PanthersTiger WoodsGame of ThronesMiami Heat

    which "layout" is better, the business or personal?
     
  16. Spontaneous Cumbustion

    Spontaneous Cumbustion Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCincinnati BengalsXavier MusketeersFC CincinnatiTottenham HotspurUnited States Men's National Soccer Team

    Personal definitely looks better but the business one is still easy to use. I'd rather have all my accounts on one login then have to deal with two logins.
     
    g8r likes this.
  17. LSU90

    LSU90 Well-Known Member

    I put all of mine on business. Don't think there is a huge difference but having all of your cards on one login is huge. Also makes it slightly easier to transfer points.
     
    CF3234 likes this.
  18. BrickTamland

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

    Any good promotions for Delta AmEx or equivalent?

    I’d do a Southwest or other airline, but it’s hard to get better fares out of Atlanta on any carrier not named Delta.
     
  19. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    BrickTamland likes this.
  20. Lipp

    Lipp Spartan Dawg
    Donor
    Michigan State SpartansDetroit LionsDetroit Red WingsGeorge Washington ColonialsDetroit Tigers

    http://refer.amex.us/PHILIHfofl?XLINK=MSIA

    70k bonus miles, 10k medallion miles, and a $100 statement credit after spending 3k/3months.

    BrickTamland updated with the offer info.
     
    marcus and BrickTamland like this.
  21. BrickTamland

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

    Anyone have experience with their wives applying for new cards with recently changed last names?

    Wife recently changed hers, so SSN is updated, but credit bureaus will have her on her maiden name.
     
  22. NoNatty

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

    it was several years ago, but my wife had no issues getting a card shortly after the name change. SSN stays the same.
     
    BrickTamland likes this.
  23. Jimmy the Saint

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

    Amex can go fuck themselves.

    They won’t give me my Hilton bonus because they claim my offer was $3k/150k instead of $2k/125k. I know damn well what I signed up for. Fucking bait and switch.

    “There’s nothing we can do. Here’s a $30 credit.” Pretty shitty way to treat a long time card holder. Fuck them.
     
  24. laxjoe

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

    oh wow thats shitty as hell.
     
  25. ohhaithur

    ohhaithur e-Batman
    Donor

    Your time is up too? Can you ask for an extension?
     
  26. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    supposedly the amex airline credit with the plat no longer works for gift cards on southwest or delta

    womp womp
     
    i am a bammer likes this.
  27. 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 opened the card in December, I put my PSU season tickets and a few other things on it, met my minimum spend, and then followed up when I didn't get the points after the 8-12 weeks and opened a case. Never sent me anything after another 6-8 weeks so I contacted them and they told me the language in my card agreement was for $3k/150k. I suggested an extension for being a loyal customer and they told me there's nothing they could do except give me a $30 statement credit.

    I'm going to open a case with the BBB. I know it'll accomplish nothing but hopefully pisses them off. I don't know what else to do.
     
    ohhaithur likes this.
  28. i am a bammer

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

    If it's the same for the Hilton card, bye
     
    ohhaithur and marcus like this.
  29. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    they got me to keep it for another year with the retention offer but imagine i'll get rid of the plat next year

    Delta Reserve will be a more useful card going forward I think based on my circumstances
     
    i am a bammer likes this.
  30. marcus

    marcus Sex with old ladies for money aaaand bear traps.
    Donor
    Ohio State BuckeyesCleveland BrownsUSA RugbyTiger WoodsOhio BobcatsCleveland CavaliersCleveland IndiansGame of ThronesOlympics

    Yep. Booooo. The one that really bums me out is the loss of the restaurant credit for PP. I’ve used the shit out of that, $56 at a time.
     
  31. BrickTamland

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

    Is the Delta AmEx $100 Credit always limited to a three month window (assumingely beginning at your card anniversary?)
     
  32. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    its a one time thing, like a sign up bonus
     
  33. BrickTamland

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

    So it’s a legit $195 annual fee after year 1? Rough.
     
  34. tjsblue

    tjsblue I was right at the time
    Donor

    You get a companion single flight on the Plat.
     
    The_Baumer, Lyrtch and BrickTamland like this.
  35. BrickTamland

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

    Sold
     
  36. Det. Frank Bullitt

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

    Two things to store securely -

    1. proof of your welcome offer (screenshots/mailers/etc)
    2. your personal referral links, preferably in plaintext
     
    TAS, pratyk and marcus like this.
  37. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    In this business, you document EVERYTHING!

    I even have Secure Message screenshots for bonus matching - never know when they come in handy.
     
    tjsblue likes this.
  38. CoastalOrange

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

    My $300 credit is getting ready to hit on my CSR and SPG Lux. I take it I can no longer purchase the travel gift cards on them to get through the $300 spend?
     
  39. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    I'm sure you can
     
    CoastalOrange likes this.
  40. ohhaithur

    ohhaithur e-Batman
    Donor

    Don't buy gift cards on CSR

    Almost everything travel gets reimbursed...use it for uber, parking, whatever
     
  41. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Also, your csr 300 dollar credit isn't coming up soon
     
  42. The_Baumer

    The_Baumer Go Mordecai!

    Uber Eats also applies. If I don’t have a trip coming up, I just use it to order food.
     
  43. CoastalOrange

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

    Is it already here?
     
  44. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    The 300 dollar credit shows up on your January ending statement
     
  45. Struggler

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

    Approaching one year for CSR,CSP double dip.
    Wait for bill with yearly fee then call to change to no fee card?
     
  46. ohhaithur

    ohhaithur e-Batman
    Donor

    Correct
     
    Struggler likes this.
  47. Louis Holth

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

    So is the consensus that I should merge my CSR account into my CIP business account for ease of use and transfer? Does it work on the app still?
     
  48. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    There are good reasons to keep the CSR but I would definitely downgrade the CSP to a freedom.
     
  49. i am a bammer

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

    I think we figured out that it depends on your agreement? Mine is available in September, my cardholder anniversary.
     
  50. Zebbie

    Zebbie Hey Mike, guess what I have in my underwear?
    Donor
    Chicago CubsLos Angeles ChargersTexas Tech Red Raiders altCoors Light

    That’s what I’m doing since my double dip 1 year anniversary is coming up near the end of the month
     
    Struggler and TAS like this.