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

    I was going to cancel Aspire for sure, no longer
     
    marcus likes this.
  2. ohhaithur

    ohhaithur e-Batman
    Donor

    The UR folks don't have access to that information
     
  3. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    Sweet. My 3 month trial on Spotify just ended. Now it'll be free the rest of the year.
     
  4. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    My platinum renews in September. I fully plan on canceling it unless they give me a huuuge AF discount. I'll probably go back to the CSR or Schwab Platinum.
     
  5. Todd Bonzales

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

    upload_2020-5-1_11-51-31.gif
     
    laxjoe, pratyk and THEBLUERAIDER like this.
  6. NoNatty

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

    Looking for a new card. Was going to do the Hyatt (I think that was it) card based on recs in this thread but don’t really see a point in it right now considering I’m not sure when I am going to travel next.

    - Currently sitting at 2/24.
    - Have a CSR, freedom, Alaska card, BofA rewards, and 5 inks.
    - Have around 550k UR points, 120k Alaska miles
    - Can hit most spends.

    Thoughts?
     
  7. ohhaithur

    ohhaithur e-Batman
    Donor

    Probably a Chase business card, Amex MR card, or a Citi TY card.

    Just depending on your needs
     
    NoNatty likes this.
  8. NoNatty

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

    is there any chase business cards besides the ink worth getting?
     
  9. ohhaithur

    ohhaithur e-Batman
    Donor

    SW and United...I like the SW one
     
    NoNatty likes this.
  10. LSU90

    LSU90 Well-Known Member

    Hey now. Fraud is a strong word.
     
  11. hawkeyeOUTeast

    hawkeyeOUTeast Well-Known Member
    Donor
    Iowa HawkeyesChicago CubsCarolina PanthersKansas City ChiefsCarolina HurricanesPGABig Ten Conference

    My CSR just got the $550 annual fee, they said they’re giving back $100 of that due to COVID right? Anyone successfully get it delayed or removed since the card benefits for travel aren’t much of a benefit right now?
     
  12. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    Originally had a flight on Delta from San Diego to Cleveland with a layover in Detroit. They changed the itinerary and added a layover in SLC. The flight into Detroit gets there two hours after the flight leaves for Cleveland. Why even make that change? Literally impossible for me to make the flight. Just cancel and refund me at that point.

    I don't get it.
     
  13. ohhaithur

    ohhaithur e-Batman
    Donor

    They can't afford to refund everyone.

    Screenshot everything you can immediately, it will be vital for your case to prove you were not reaccommodated properly
     
    Struggler and DuffandMuff like this.
  14. Alshon

    Alshon Well-Known Member
    Donor
    South Carolina Gamecocks

    My $100 got posted the day after the AF hit.
     
  15. Where Eagles Dare

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

    Any married ppl on here sharing rewards? Chase is optimal b/c you can freely transfer points freely. I know Delta doesn't let you transfer shit. What about any hotels cards?? Amex rewards?
     
  16. ohhaithur

    ohhaithur e-Batman
    Donor

    Points are the only thing in my prenup. She can take the kids and the house but god help her is she comes after my Turkish Airlines Smiles
     
  17. tjosu

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

    Fiancée got the AmEx Hilton Surpass card for the 150k bonus. She transferred all her Hilton points to my account to use towards the honeymoon and it only took a day or two to process
     
  18. Where Eagles Dare

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

    Ok, cool. That's good to know. I'm pretty sure you can't transfer Marriott points, so I guess we a Hilton Family.
     
  19. tjosu

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

    I know you can with Hyatt as well, looked at getting her that card next
     
    Where Eagles Dare likes this.
  20. Todd Bonzales

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

    I still regret passing on that 125k + free weekend cert deal the surpass had going last summer.
     
  21. Where Eagles Dare

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

    Hyatt seems like you have to spend a little more initially to get their reward.

    Toss me a Surpass referral link so I can sign up then I'll refer my wife.

    House Spending...
    • CSP 60,000 Chase points to transfer to a CSR = $900
    • Hilton Surpass 125,000 x2 = $1250
    • Delta Amex (still up in the air about this one) $550. Seems like shitty value.
    That's about $9,000 in spend for $2500 in free points w/ only $400 in AFs
     
    marcus likes this.
  22. tjosu

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

    Will gladly pass on our link, but I feel obligated to warn you that the referral link is only showing a 125k bonus, whereas when I just went to the AmEx site to browse cards I was still seeing the 150k offer http://refer.amex.us/CARANLLPg?xl=cp01
     
    marcus likes this.
  23. Where Eagles Dare

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

    Huh. When I looked just a few minutes ago it was 125k. Now it's 150k.

    Guess I'll have to go with the 150. Sorry
     
  24. tjosu

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

    No big deal at all. I know how those sites work to coax you in when they think you’re interested
     
    Where Eagles Dare likes this.
  25. Where Eagles Dare

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

    Does Amex restrict the number of sign up bonuses you can get with them?

    I have a card that I don't use (Delta Blue Sky) and a Delta Platinum that I rarely use. Don't have anything else with them & before they submitted my application they said I wasn't eligible for the sign up bonus due to number of cards/sign up bonus with them/balance transfers (don't do this)/etc.

    I'd have to imagine I'm 0/24 right now. The only cards I've opened up in the last year were two Chase Business Cards. My delta plat amex is probably 5 years old. I'm pretty fucking annoyed right now
     
  26. Todd Bonzales

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

    I think it’s one per “lifetime” aka seven years ohhaithur
     
    ohhaithur likes this.
  27. ohhaithur

    ohhaithur e-Batman
    Donor

    ^^
     
  28. Where Eagles Dare

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

    Like 1 reward for any Amex related card? So I got the Delta card 6 years ago & I can't get any other bonus, no matter the Corp Sponsor, for another year?
     
  29. ohhaithur

    ohhaithur e-Batman
    Donor

    No, no per card
     
    marcus likes this.
  30. Where Eagles Dare

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

    Yeah, so that makes no sense that I'm getting rejected for the bonus. It's from a card I don't have. It's before they even run my credit.
     
  31. ohhaithur

    ohhaithur e-Batman
    Donor

    They reserve the right to stop you from getting any cards if you are deemed unprofitable. It's called the "popup" but I'm not sure why you would get it at this point
     
  32. Where Eagles Dare

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

    Basically this. Sure, I understand they can deny me. But it doesn't feel like my activity with them is worthy of it. They aren't running my credit, so they can't see my other chase cards. My Delta Platinum was my sole card for at least 3 years with a fuck load of spend. I think I put most of my wedding on that card.

    So it's not like I'm spending $3,000.01 then never spending again on it
     
  33. ohhaithur

    ohhaithur e-Batman
    Donor

    No idea man, that sucks. And nothing you can really do besides go to another bank
     
  34. Where Eagles Dare

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

    Seems like the only way to get around it is increase my spending on some amex cards and make my accounts more profitable :idk:

    Really fucking annoying as they have all the cards I want.
     
  35. ohhaithur

    ohhaithur e-Batman
    Donor

    Yeah, set up some small autopays at least
     
  36. LSU90

    LSU90 Well-Known Member

    So I applied yesterday for the Mrs. for CIP6 and got rejected (first time ever being rejected). I just received the letter stating why and it states "Our decision was based on the following reason(s): Insufficient balance in deposit and investment accounts with us." So is there something new or that I did not know about where they will reject you if you dont have a bank account or investments with them? Is this due to corona?
     
    Zebbie, Nelson, NoNatty and 1 other person like this.
  37. Where Eagles Dare

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

    It's probably a profitability thing. They make good money of holding your money. Not much off 5,000 in CC processing fees less 100,000 points

    Probably why I got popped at Amex. It's unprofitable for them to allow ppl to churn their cards. I'm worried Chase is going to start doing that on their other cards
     
  38. NoNatty

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

    is her total credit limit high already?
     
  39. LSU90

    LSU90 Well-Known Member

    No. General rule of thumb is to keep Chase credit to income ratio below 50%. Hers is at about 30%. Other rule of thumb is velocity and I havent gotten her a new card since January so that shouldn't be an issue either. I have a sneaking suspicion this has to do with Chase tightening up due to covid situation.
     
  40. Uncle Tupelo

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

    Chase is tightening approvals big time on business cards, as of mid-April. Most users on r/churning seem to be getting denied ATM.
     
    Zebbie likes this.
  41. NoNatty

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

    that’s what I was asking. And yeah, they froze HELOC’s, so I imagine they’re tightening other funds.
    it was fun while it lasted.
     
    Uncle Tupelo and Nelson like this.
  42. Nelson

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

    I really didn’t want Norwegian to “refund” us four fares + 20% but here we are
     
  43. ohhaithur

    ohhaithur e-Batman
    Donor

    Congrats on your very expensive Blockbuster gift cards
     
    NoNatty and Nelson like this.
  44. LSU90

    LSU90 Well-Known Member

    My hope is after this is all over they will ease up on that. At the moment I guess I will sit tight
     
    NoNatty and Uncle Tupelo like this.
  45. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    Got an email that CSR will be 5x on grocery purchases thru 6/30.
     
  46. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    It's gonna be a keepsake for the grand kids..
     
    ohhaithur likes this.
  47. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Limit of 1500$ IIRC.
     
  48. Lip

    Lip Well-Known Member
    Donor
    Michigan State SpartansDetroit LionsGeorge Washington Colonials

    Hit the $1500 on the freedom then pivot to $1500 on the CSR.
     
    Nelson and Jimmy the Saint like this.
  49. Uncle Tupelo

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

    Should be permanently 3x IMO. Would be the best card on the market and would help keep cancellations low.
     
    Jimmy the Saint likes this.
  50. Nelson

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

    Been enjoying the 5x amazon points on all Whole Foods orders but will now pivot
     
    Where Eagles Dare likes this.