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. marcus

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

    Do you guys go on trips with friends/family ever, renting homes? Same with buying tickets to an event with a large group. This feels like obvious advice, but I think some guys still get nervous fronting that’s much money for people. Do it. It’s literally huge blasts of spend and unless you have complete asshole friends and family, you’ll get your money.
     
  2. Where Eagles Dare

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

    Citi or AA

    Article on this?
     
  3. SP1

    SP1 Ball State #1
    Staff Donor TMB OG
    Michigan WolverinesChicago CubsLos Angeles LakersChicago BearsWest Ham UnitedBall State CardinalsSneakers

    Yes, regularly. We are same. Heading to Montreal in a couple of weeks with a smaller group, but we also did 24 people in a huge Chicago place over the summer.

    I scooped all of those precious points.
     
    laxjoe, tjsblue and marcus like this.
  4. ohhaithur

    ohhaithur e-Batman
    Donor

    Which "why" do you want answered?

    Why every 65 days? That's how often you can get them without going through review

    Why is it over? Because Citi finally caught on that it was worth it to kill it
     
  5. 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

    What did Citi do to kill it? I haven’t checked in a while
     
  6. ohhaithur

    ohhaithur e-Batman
    Donor

    24mo language
     
  7. 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

    upload_2019-9-11_16-18-2.gif
     
  8. Where Eagles Dare

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

    Yeah mainly this
     
  9. THEBLUERAIDER

    THEBLUERAIDER Well-Known Member
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    St. Louis CardinalsTennessee TitansNashville PredatorsMiddle Tennessee State Blue Raiders

    Let’s pretend for a second that I don’t know what a CSR card is. Humor me please.
     
  10. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson TigersAntifaAnarchy

    chase sapphire reserve

    imo still the best general use luxury card for people who travel and eat out a good bit
     
  11. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    As Lyrtch said, it's the Chase Sapphire Reserve. It has a $450 annual fee, but $300 of that can be used for anything travel related (airfare/tolls/uber/etc.). I downgraded mine because I wasn't going to travel for a year, but really wished I had kept it. Now I'm stuck waiting until October 2020 until I can apply again, which is 48 months after my original application.

    I spend a bunch of money at bars/restaurants, and that's a 3x category for the CSR. If you purchase airline tickets or hotels through the Chase portal, those points are then worth 1.5x.
     
  12. Jimmy the Saint

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

    The trip delay reimbursement is really worth it for the CSR as well. I usually end up using it once or twice a year and it makes up the rest of the AF.
     
    TAS likes this.
  13. ohhaithur

    ohhaithur e-Batman
    Donor

    and the lounges

    and the rental car insurance

    and the metal card that makes my penis feel bigger

    and the purchase protection
     
    EMAW FC, Fecta23, TAS and 4 others like this.
  14. SP1

    SP1 Ball State #1
    Staff Donor TMB OG
    Michigan WolverinesChicago CubsLos Angeles LakersChicago BearsWest Ham UnitedBall State CardinalsSneakers

    Had to get a new card this week because ISIS needed some new cell phones. I forgot how great it felt when the card was brand new. So heavy. So smooth. I wanted to rub it on my balls.

    Also, they overnighted it to me for free.
     
    TAS likes this.
  15. LeVar Burton

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

    Anyone with AMEX Platinum card there is $10 off ESPN+ a year ($49). I stream a lot and for $3.33 a month I imagine I'll get my monies worth.
     
  16. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    thy already have a 39.99 deal running - hard to hit that threshold unless you pay for 2 years up front, even if you can do that.
     
  17. tjosu

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

    Just got my notice of approval for my $280 from back in July for my overnight stay in Denver. Super easy process, just takes some time to get through
     
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  18. LeVar Burton

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

    Hmmm did not know that. I figured for the cost of a domestic beer a month I could spring for it. Now an import, ehhhhh let me think about this.
     
  19. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
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    Texas LonghornsManchester United

    Where did you get that?

    I currently have $4.99/month sub via Google App store.

    When I go to manage my sub on espn+ website, it says to first go back to Google App store, meaning I would need to cancel before I can see any other options.
     
  20. rezy

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

    Deal is available for Amex gold as well
     
    LeVar Burton likes this.
  21. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    https://watch.espnplus.com/collegefootball/reactivate-save-now

    I guess it's specifically for users who stopped their sub.
     
    Det. Frank Bullitt likes this.
  22. Lyrtch

    Lyrtch My second favorite meat is hamburger
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    Clemson TigersAntifaAnarchy

    what a legend

    #FREESKYMILEKING
     
  23. Det. Frank Bullitt

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

    I mean i would tag user ohhaithur but ....
     
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  24. ohhaithur

    ohhaithur e-Batman
    Donor

    Fran sent it to me so that basically happened anyway :laugh:
     
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  25. Ned Yocho

    Ned Yocho Please don't get lost in the sauce
    Staff Donor TMB OG
    Newcastle UnitedBig 8 Conference

    I just dove into the game and am now going to be an adult and use a credit card for purchases instead of my bank card.

    I can't wait to collect my first batch of reward points in a couple months
     
    laxjoe, colonel_forbin, TAS and 4 others like this.
  26. ohhaithur

    ohhaithur e-Batman
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    What's your plan?

    We r here 4 u
     
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  27. Where Eagles Dare

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

    How do I get that 4c valuation of delta sky miles the federal gov't is using??
     
  28. Ned Yocho

    Ned Yocho Please don't get lost in the sauce
    Staff Donor TMB OG
    Newcastle UnitedBig 8 Conference

    Well, Currently I got a little CC debt that I'm trying to clear off, so I transferred all of it to a BoA card that has 0% for 15months. I'll have it paid off in a year or less.

    Beyond that the idea was to just find a good travel card to use for my day to day spending, then paying off the balance weekly/monthly. I just want to get rid of my debt first before I get too crazy. Also planning to try and buy an engagement ring in next 6 months :s
     
    ohhaithur likes this.
  29. Houndster

    Houndster Ball don't lie
    Staff Donor

    Let me refer you, fam
     
  30. AHebrewToo

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

    We do an annual ski trip. House is usually 10k. Trucks another 2k. Groceries/alcohol 1k. I've always tried to be the bank so we aren't worried about competing expenses. Everyone just owes one amount to me. Obviously I could easily credit a an excel sheet to do it with other people covering aspects, but then I wouldn't get the points. :)
     
  31. CoastalOrange

    CoastalOrange Well-Known Member
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    Planned and paid for 2 bachelor parties earlier this year. Got the points and loved it. Would do it again in a heartbeat.
     
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  32. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    Got the Platinum in the mail two days ago. Forgot it was metal. Beautiful card.

    Unfortunately, my dumbass took too long deciding on a card and I won't have my Priority Pass in time for my trip. My old Priority Pass from CSR worked for about six months after I downgraded the card. I figured it would work until the actual Priority Pass expired (12/31/21). I was wrong. Not happy.
     
    Bricktop the white likes this.
  33. EMAW FC

    EMAW FC Proud Smucker
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    How long of delay is needed to qualify for reimbursement? Overnight?
     
  34. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson TigersAntifaAnarchy

    can't call and get the mobile version working?
     
  35. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    I don't believe that was an option. Guess I could call them to make sure.
     
  36. laxjoe

    laxjoe Well-Known Member
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    Notre Dame Fighting IrishAvengersSan Diego Padres

    I had a friend last night tell me your credit cards were bad. I then told her how I was paying for a honeymoon all with credit card points and she quickly changed her turned
     
  37. ohhaithur

    ohhaithur e-Batman
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    In six months she'll be up to her eyes in CC debt, blame you and end the friendship
     
  38. laxjoe

    laxjoe Well-Known Member
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    No she's a Dave Ramsey Fanboy
     
  39. Jimmy the Saint

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

    I read your first post before looking down to this and thought "must be a Dave Ramsey follower."

    If you are a total money idiot I guess his stuff works but anyone with any financial conscious is losing out with his bullshit.
     
  40. tjosu

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

    With the Reserve I believe it's 6 hours or overnight. CSP maybe 10 hours, that number varies for different cards, but the overnight always qualifies. Mine was overnight so I had hotel, transportation, and meals. They'll reimburse up to $500 I think too so you can go for a lavish stay
     
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  41. ohhaithur

    ohhaithur e-Batman
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    I figured. Which means she's probably bad at money
     
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  42. g8r

    g8r Well-Known Member
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    Florida GatorsBoston Red Sox

    I always felt is was great for people who just didn’t have self discipline. People who can’t control their money probably can’t control many other things in life.
     
  43. Uncle Tupelo

    Uncle Tupelo Well-Known Member
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    Ohio State BuckeyesCincinnati RedsCleveland Browns

    I used to think he was more good than bad, and I just wasn't his target audience. But I listened off and on for a few months, and realized alot of his advice was legitimately bad/dangerous for certain people.
    His ELP program is sleazy af too. He lost his shit when Obama passed fiduciary mandates, and he couldnt peddle his high fee garbage to people who didn't know better.
     
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  44. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor
    Clemson TigersAntifaAnarchy

    team lying to people and providing bad financial advice to line your own pockets with their money is bad

    i'm also not nearly cynical enough to think people with low financial education need his brand of nonsense over just simple but accurate financial advice
     
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  45. Uncle Tupelo

    Uncle Tupelo Well-Known Member
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    Ohio State BuckeyesCincinnati RedsCleveland Browns

    The last episode I listened to, he just gave brutal back-to-back advice:

    Caller 1: Has 10k in an emergency fund, but job is a little unstable, and income can be variable month to month. Dave's advice: Drain all savings down to 1k, stop employer 401k match to pay off a student loan at 6%. Because "Baby Step 1".

    Caller 2: Parents are 70ish, only have 100k saved in a savings account, and even with social security, they have a monthly shortfall of like 1500 a month. Dave's advice: Go see an ELP, where they will invest all 100k into growth stocks making 12% (LOL).

    Not to mention his views on paying cash for college trigger me: https://www.youtube.com/watch?v=OfKKQVYIKSE . Just typical unrealistic bootstrap garbage.
     
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  46. ohhaithur

    ohhaithur e-Batman
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    Someone said in this thread that it's like telling a fat person to stop eating at all
     
  47. g8r

    g8r Well-Known Member
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    Florida GatorsBoston Red Sox

    Feel like for people who can’t control their spending playing with credit cards is dangerous financially. For those that can there is still risk but it is minimal for sure.
     
    Baseballman86 likes this.
  48. ohhaithur

    ohhaithur e-Batman
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    His is a different danger