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. ohhaithur

    ohhaithur e-Batman
    Donor

    Chase apparently backed off and decided to keep restaurants yay Chase!
     
    tjsblue, EMAW FC, Struggler and 9 others like this.
  2. CF3234

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

    very nice. flying to hawaii next month and there will be plenty of layover time. Will I be able to use my pass for each of my layovers or can you only use the credit once per day?
     
  3. ohhaithur

    ohhaithur e-Batman
    Donor

    I've used it multiple times. Some have restrictions on number of times you can use it in the same lounge in one day
     
  4. CF3234

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

    you mean ordering from a restaurant, closing your tab at under $28 and then opening another tab immediately? or am I overthinking your post?
     
  5. ohhaithur

    ohhaithur e-Batman
    Donor

    You're overthinking it I mean that you can only use it at timberline once every 24 hours
     
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  6. CF3234

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

    do not follow. what is timberline?
     
  7. ohhaithur

    ohhaithur e-Batman
    Donor

    DEN's priority pass restaurant

    It became so popular that it's the number 91 biggest restaurant in the United States now thanks to PP
     
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  8. CF3234

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

    ahhh. thanks. but I will be able to use it in Miami prior to leaving, in LA during my layover, and then in Hawaii during my final layover correct?
     
  9. ohhaithur

    ohhaithur e-Batman
    Donor

    No reason why you shouldn't
     
    CF3234 likes this.
  10. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    if i flew out of miami with any regularity i'd carry the amex plat for that sweet sweet centurion lounge
     
  11. CF3234

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

    thought about doing amex platinum for that reason, but I fly out of both MIA and FTL pretty evenly and the overall benefits from CSR swung the decision for me.
     
    Lyrtch likes this.
  12. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    yeah plats expensive, i can barely justify it and I use the lounge benefit constantly and take full advantage of the uber credits etc
     
  13. marcus

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

    Fucking balls.
     
  14. CoastalOrange

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

    Keep reading. You'll find a pleasant surprise.
     
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  15. marcus

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

    Niiiiiiice
     
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  16. Lifeiskilingme79

    Lifeiskilingme79 Well-Known Member
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    Florida GatorsChicago Cubs

    A rollercoaster of emotions
     
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  17. laxjoe

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

    Anyone got a quick refresher for me - what benefits do I still get and which ones do I lose booking a Hilton hotel through hotels.com

    Got a $50 off cert for hotels.com that I'd love to use, but don't want to lose out on all my bonus points/benefits if I'd lose out on by not booking direct
     
    #11017 laxjoe, Jul 12, 2019
    Last edited: Jul 12, 2019
  18. marcus

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

    Can’t you book via hotels and then show Hilton and they’ll match?
     
  19. tjsblue

    tjsblue I was right at the time
    Donor

    They’re not going to match a $50 off deal I wouldn’t think. Most of they time you basically stay like you aren’t a rewards member if you use a third party booking site. IE, don’t get points, upgrades, free breakfast, etc. Honestly I’m a high Marriott guy and if I travel on my own dime I play the Priceline game. The $$ difference is pretty significant sometimes and worth staying in a basic room at whatever nice hotel has a deal and not getting the mostly worthless points and mostly fake benefits of hotel programs.
     
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  20. Det. Frank Bullitt

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

    Amex Plat holders: Since its July 1st - the $50 credit at Saks just reset. I was also targeted for $10 off $75+ department stores websites, including Saks, so the offer got a bit better. Could be as good as $60 off $75.
     
    #11020 Det. Frank Bullitt, Jul 13, 2019
    Last edited: Jul 13, 2019
    marcus likes this.
  21. Det. Frank Bullitt

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

    Review your offers - could be some nice stacking as everyone puts up counter-Prime Day stuff.
     
  22. ohhaithur

    ohhaithur e-Batman
    Donor

    The biggest one is that they'll walk you if they're full

    Other than that, depending on the hotel: points, breakfast, wifi, no upgrades are the biggest
     
  23. tjsblue

    tjsblue I was right at the time
    Donor

    I’ve never had that happen and I think Priceline guarantees a room if they sell it.

    Say you were going to buy those things. Most of the time upgrades are rare unless you push and aren’t much value on my own. Breakfast is $10-15 and worth an apple and a breakfast bar to me on my own. WiFi I can use my work phone. And points are maybe $10 of actual value on the high side. So maybe $20-25 of value if you have status at that particular chain. And for me Marriott’s over price their extra value into their market pricing. Not worth it a lot of time on my own dime.
    If I’m traveling with the family I get the value out of the program. Especially the concierge lounge.
     
    Lipp likes this.
  24. laxjoe

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

    For me, for the hotel stay that started this discussion, I'm getting 44 points per dollar at Hilton, so the stay is worth about $100-$150, depending on where I ended up using them. So assuming I lose out on those points by not booking direct, then it's not worth the $50 off certificate. Plus free breakfast, potential room upgrade (since it's middle of the week, I'm hoping there's availability), etc. all make it worth booking through Hilton if that's the only way to get those benefits
     
    tjsblue likes this.
  25. Amex card always has some traveling gifts. Last time I got 20% on Agoda.
     
    #11025 night_fury2121, Jul 14, 2019
    Last edited: Jul 17, 2019 at 12:12 PM
  26. TheDKALife

    TheDKALife Well-Known Member

    Ok. So I have a possible 6-10K expense in the near future.

    I have CSR that I got ~6 months ago for my personal account. (Downgraded CSP to Freedom)
    I also opened a business account for my business 6 months ago. I got the Chase Ink Unlimited around the same time (had a bonus and was free...idk).

    I have been getting CIP offers in the mail. My plan is to apply for 1. Then refer myself to get a second one (right away? 30 days later? not possible?) Any tips? Thanks team.
     
  27. laxjoe

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

    you can always use a personal referral:gocho:
    Earn 80,00 bonus points with Chase Ink Business Preferred. I can be rewarded, learn more.
    https://www.referyourchasecard.com/21a/ZL6VY644O9

    but i believe the best course of action after getting your first is to refer yourself at some point in the future and not right away. i'm about to refer myself for CIP2 and it's been about 3 months since I got the first one. I believe LSU90 has had good success with multiple CIPs and he can provide additional/better guidance than i can
     
  28. comrade static

    comrade static i love french fries
    Donor
    Oklahoma City ThunderOklahoma Sooners

    Unless those mailers are for more points than what our referrals are, don’t use them. Apply with us.

    Then yes, you can refer yourself. I’m not sure on the time frame. Definitely 30 days min.

    https://www.referyourchasecard.com/m/21a/6L5/FZVC/1554143350 Earn 80,000 bonus points with Chase Ink Business Preferred. I can be rewarded, learn more.
     
  29. Zebbie

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

    I have 2 CIPs & about to refer myself for my 3rd - my first 2 were about 4-5 months apart, & it’ll be about 5-6 months of time between the 2nd one & the 3rd one that I’m gonna apply for soon
     
  30. LSU90

    LSU90 Well-Known Member

    Yeah, in your case I would just keep getting CIP's until they won't let you anymore. Its 80k+20k referral after the 1st one. No need to vary any of your information. Use your SSN and your full name for everything. I have gotten 4 CIP's and my wife has 3 CIP's. The key to keep getting approved is 1) keep your total chase credit limits to income ratio below 50% and 2) keep your application velocity reasonable (1 card every 3ish months). Read any of my previous posts in this thread for more detailed information or if you have a super-specific question shoot me a personal message.

    Also, lax-joe's link will give you a virus and aids for sure. You should use my referral. It comes with tits and cocaine: Earn 80,00 bonus points with Chase Ink Business Preferred. I can be rewarded, learn more. https://www.referyourchasecard.com/21a/7XSW6VNRJM
     
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  31. JacobPalmer

    Donor
    Nebraska CornhuskersGreen Bay Packers

    When I'm requesting for credit line increases and it asks for my yearly income, rent/mortgage payment, and how much I intend to spend on the card per month, should I be making those numbers bigger or smaller? I might make 100k, I might make 120k, I might spend $2000 on the card, I might spend $4000? And how much do these numbers affect their decision?
     
  32. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    They're going to cap your total credit line at a percentage of your income, so the higher your reported income, the more room they have to increase your credit limit.

    Not sure how the expected spend factors in.
     
    JacobPalmer likes this.
  33. RockHardEnis39

    RockHardEnis39 StEvIS_iN_cBuS/LandlordBob stalks me
    Donor
    Penn State Nittany LionsSan Francisco GiantsPhiladelphia FlyersLiverpool

    So I actually own my own business and have had a CIP for a few years. I should just self refer myself a bunch of these cards and chase doesn't care?
     
    laxjoe likes this.
  34. LSU90

    LSU90 Well-Known Member

    That is correct as far as the CIP and other business cards. Don't believe that works for personal cards.
     
    RockHardEnis39 likes this.
  35. Det. Frank Bullitt

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

    not gonna try it, but could this be abused? Don't know if recipients get charged another fee as well. If not (big if) then one could print money/points.

    Just for you: 1.5% Plastiq fee on any three payments
     
  36. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    They don't get charged. It's not really abusing anything. It just saves you 1% off the normal fee
     
  37. RockHardEnis39

    RockHardEnis39 StEvIS_iN_cBuS/LandlordBob stalks me
    Donor
    Penn State Nittany LionsSan Francisco GiantsPhiladelphia FlyersLiverpool

    Applied for another CIP yesterday. Got the "We need more time to review your application" that i've gotten with all my chase cards. However, they're usually approved the next day. Called to check and this one is still under review. :tebow:
     
  38. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

    How long in between?

    I got one in March and was gonna get #2 this week
     
  39. Zebbie

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

    I applied for CIP #3 & got that response too (as expected), so I’ll call tomorrow afternoon & see if it’s changed
     
  40. LSU90

    LSU90 Well-Known Member

    I've gotten that response on 6 out of my 7 CIP's. You should be fine.
     
  41. RockHardEnis39

    RockHardEnis39 StEvIS_iN_cBuS/LandlordBob stalks me
    Donor
    Penn State Nittany LionsSan Francisco GiantsPhiladelphia FlyersLiverpool

    My original CIP I got March of 18. I also have an ink bold from 2012 that has 5x for cable, internet, phone.

    That's an insane amount of CIPs. I have 3 Chase cards. 2 business and 1 sapphire reserve. And I've gotten that message every time.
     
    Where Eagles Dare likes this.
  42. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

    I've been automatically approved for both my csr and CIP.

    Hoping for the same
     
  43. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson Tigers

    i need to get on this endless strong of CIP game it seems

    anyone searched to see if they've shuttered peoples accounts down for it?
     
    Where Eagles Dare likes this.
  44. RockHardEnis39

    RockHardEnis39 StEvIS_iN_cBuS/LandlordBob stalks me
    Donor
    Penn State Nittany LionsSan Francisco GiantsPhiladelphia FlyersLiverpool

    https://10xtravel.com/the-dreaded-chase-shutdown-how-it-happened-to-me-and-how-to-avoid-it/

    • Don’t be reckless. Use the team at 10xTravel to discuss a strategy and plan that will work for you.
    • Remember this is a marathon, not a sprint. Strategy is key. Yes, things are constantly changing but your plans can change as well and the biggest key is having a plan.
    • Avoid missed payments, stopped payments, anything out of the ordinary.
    • Pay attention to the number of Chase cards you have. While I don’t think there’s a hard limit, one of the reasons given for closing my accounts was that I was “currently over limit on Chase accounts”
    • Don’t apply for a bunch of cards every 30-45 days. This flags you as a higher risk and, while you may get away with it for a while, you won’t get away with it forever.
    • Don’t stockpile your credit line. Because your score is determined in part by utilization percentage not available credit don’t be afraid to call and lower your credit limits. I never did this so I became a bigger risk to Chase since my available credit was more than double my annual salary.
    • Lastly, if you do get shut down. Don’t think your life is over. We’ve helped several people in the 10xTravel Insider’s Facebook group through the process of appealing a shutdown. Even if you end up in my situation and aren’t able to get the decision reversed, there’s life after Chase.
     
  45. Det. Frank Bullitt

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

    My personal opinion is that better scrutiny/fewer approvals on applications is right around the corner and that that reports of clawing back bonuses from serial applicants will hit sometime in the next 6-18 months.

    I applied for a common application angle (electronics reseller on eBay - which I do have some volume of) and was denied for 5/24. In the process of buying a home, but will roll the dice in late 2019 or early 2020 again on a CIP
     
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  46. Jimmy the Saint

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

    Making up fraudulent businesses should probably fall on there somewhere.
     
  47. Buzz

    Buzz Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    Had planned on staying at the Holston House in Nashville thinking that it would be category four hotel with Hyatt but nope it's a five. The hotel we stayed at in Boston, the Hyatt Regency which was a four last year is now a five also..

    This sucks because now can't use free anniversary night or my free night for spending $15k in a year because those are only for categories 1-4. Any advice on what to do here or am I just screwed and have to transfer Chase UR points to Hyatt to cover the 38k shortage for three nights that I need for our anniversary in October?
     
  48. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    A cat 1-4 award will always be a cat 1-4 award. There's no changing it or adding points to it
     
    Buzz likes this.
  49. The B1G Kucktis

    The B1G Kucktis #TeamGritty
    Donor
    Penn State Nittany LionsPhiladelphia PhilliesPhiladelphia 76'ersPhiladelphia EaglesPhiladelphia FlyersTiger Woods

    That sucks, but maybe you can call and give that a shot about the category change.

    By the way...Hyatt has some really nice places that are category four - they do a great job compared to the other brands.
     
    Buzz likes this.
  50. Buzz

    Buzz Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    Yeah the Hyatt Regency in Boston last year was awesome like I said. It was a category four in October of last year. I looked today and it's a five. They rearranged their categories I think. I only travel 1-2 times a year for special occasions with my wife so I'm not really knowledgeable about this stuff like some of y'all. I was just surprised both of those hotels are fives. Now I have two free nights and don't have a reason to use them right now. Gotta burn up points I guess. I'll call and see what I can do though. Couldn't hurt.
     
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