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. Zebbie

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

    makes sense why I got denied about 2 weeks ago or so when I applied for another CIP
     
    Uncle Tupelo likes this.
  2. Lifeiskilingme79

    Lifeiskilingme79 Well-Known Member
    Donor
    Florida GatorsChicago Cubs

    Just got an email that the CSP has 3x points on grocery store purchases through June 30
     
    Houndster likes this.
  3. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    $1,000/mo on groceries seems like an awful lot.

    edit: wasn’t thinking of families of 4+ in this instance
     
    Struggler likes this.
  4. NoNatty

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

    Is it 5x or 3x on CSR groceries? And is this targeted? I haven’t gotten an email.
     
  5. ohhaithur

    ohhaithur e-Batman
    Donor

    5 on csr, 3 on csp. Should be everyone
     
    tjsblue and NoNatty like this.
  6. Lipp the Gay Liberal

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

    don’t forget booze too
     
  7. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    Please think about the travel bloggers at times like these. They need us more than ever.

     
  8. LSU90

    LSU90 Well-Known Member

    So I guess now that my Chase train is temporarily on hold what is the next recommended non-Chase card? I have only churned Chase cards so anything is on the table for me.
     
  9. C A N E

    C A N E Well-Known Member
    Donor
    Miami Hurricanes

    Barclays IMO
     
  10. ohhaithur

    ohhaithur e-Batman
    Donor

    Barclay's is the next most inquiry sensitive bank

    AMEX charge cards or business cards might be nice for ya too though. See if you prequalify for the Amex Platinum 100k/125k offers
     
  11. Where Eagles Dare

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

  12. The B1G Kucktis

    The B1G Kucktis 2 years, VARSITY!!
    Donor
    Penn State Nittany LionsPhiladelphia PhilliesPhiladelphia 76'ersPhiladelphia EaglesPhiladelphia FlyersTiger Woods

    I feel so sorry.

    Narrator: he doesn’t
     
  13. LSU90

    LSU90 Well-Known Member

    Do you know more about what is going on with Chase? From what I read most think its temporary through these times and basically that they clamped down on small biz card applications unless you have an biz account with them when significant capital.
     
  14. ohhaithur

    ohhaithur e-Batman
    Donor

    I think the CIP5 train is dead. Y'all are not profitable and they have no reason to open that back up
     
  15. THEBLUERAIDER

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

    Why?
     
  16. ohhaithur

    ohhaithur e-Batman
    Donor

    they won't give him free money anymore
     
  17. C A N E

    C A N E Well-Known Member
    Donor
    Miami Hurricanes

    Amex (IMO) is the BEST CC issuer overall
     
  18. ohhaithur

    ohhaithur e-Batman
    Donor

    In terms of what?
     
  19. Where Eagles Dare

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

    Correct. I'm an A+ borrower and they cut me off after 1 fucking card
     
    tjsblue likes this.
  20. i am a bammer

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

    Aspire gang, some good news


     
    laxjoe and marcus like this.
  21. ohhaithur

    ohhaithur e-Batman
    Donor

    CSR>Aspire for supermarkets but that resort credit helps...wish they'd do the same with airline incidental
     
  22. i am a bammer

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

    Why not both.jpeg
     
  23. ohhaithur

    ohhaithur e-Batman
    Donor

    I mean I guess I can take advantage of the 1000 Hilton points I'll get in July
     
    i am a bammer likes this.
  24. i am a bammer

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

    That's gotta be worth a few snacks
     
    ohhaithur likes this.
  25. C A N E

    C A N E Well-Known Member
    Donor
    Miami Hurricanes

    Customer service, spending categories (Gold mainly), App/website
     
  26. Uncle Tupelo

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

    This might be a dumb question, but how soon after a closing on refinance am I good to go on applying for cards again? Closing is Wednesday Afternoon, Is anytime after that open season? been out of the game for months, and have a bunch of wedding expenses coming up the next few weeks I would like to go towards bonuses.
     
  27. LSU90

    LSU90 Well-Known Member

    Once you have closed and everything is done then you are good to go. Depending on the card you want and all that just realize that some of companies have changed their application requirements and what not due to everything going on.
     
    Uncle Tupelo likes this.
  28. ohhaithur

    ohhaithur e-Batman
    Donor

    Would not suggest this, but as a couple people have talked about cashing out their rewards, maybe this would help:

    CSR holders now get 1.2 cpp at Apple
     
  29. rv12

    rv12 Cowabunga
    Donor TMB OG
    Tennessee VolunteersAtlanta BravesGreen Bay PackersColorado State RamsSneakers

    I’ve been looking at getting a Nike Apple Watch so may take advantage of this
     
    ohhaithur likes this.
  30. GoodForAnother

    GoodForAnother thank you, I will drink until next morning
    Staff Donor TMB OG
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsSporting Kansas CityBig 8 Conference

    Gross
     
    i am a bammer and CoastalOrange like this.
  31. LSU90

    LSU90 Well-Known Member

    Wife has been badgering me about getting some airpod pros so might as well drop 20k points on some. fuck it.
     
    ohhaithur likes this.
  32. ohhaithur

    ohhaithur e-Batman
    Donor

    They'll probably make her happier than a slightly nicer hotel so yolo
     
    Nelson likes this.
  33. LSU90

    LSU90 Well-Known Member

    So Chase just announced some temporary benefits for the sapphire line for what sounds like the remainder of the year.
    • 1.5x cashout (reserve) and 1.25x (preferred) on grocery stores, home improvement stores, and dining. Can apply as a statement credit.
    • Back to $450 annual fee
    • $300 travel credit will accept grocery stores and gas stations

    https://www.doctorofcredit.com/chas...cents-cashout-easy-travel-credit-450-renewal/

    I assume for the most part its a no brainer to apply at least some of your stash to the reserve 1.5x cashout right?
     
    PAHokie, Nelson, Zebbie and 6 others like this.
  34. ohhaithur

    ohhaithur e-Batman
    Donor

    Hope nobody bought airpods

    I'm going to use all my UR I think
     
    PAHokie, Nelson, Zebbie and 5 others like this.
  35. Lipp the Gay Liberal

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

    Instead of 1.5 through the portal, you can just cash your points out at the same rate?
     
  36. ohhaithur

    ohhaithur e-Batman
    Donor

    Through statement credits only. You can't just send them to your bank
     
    PAHokie likes this.
  37. Lipp the Gay Liberal

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

    I read the article now. Statement credits for some purchases like dining, groceries, and gas. Would be great if I wasn’t trying to hit spends on other cards.
     
  38. ohhaithur

    ohhaithur e-Batman
    Donor

    I'd suggest going to your supermarket and buying a $1000 amazon gift card or something
     
    PAHokie likes this.
  39. AHebrewToo

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

    :blush:
     
  40. AHebrewToo

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

    (what if one also bought an apple watch?)
     
    ohhaithur likes this.
  41. ohhaithur

    ohhaithur e-Batman
    Donor

    Enjoy the fact that you got the extended protection from using the card
     
    PAHokie and AHebrewToo like this.
  42. i am a bammer

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

    A 1.5cpp cashout? The Lord is testing me.
     
    ohhaithur likes this.
  43. AHebrewToo

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

    Today I learned . . .
     
    ohhaithur likes this.
  44. colonel_forbin

    colonel_forbin Well-Known Member
    Donor

    This may move up the time that I try to remodel my kitchen and buy appliances.
     
    ohhaithur likes this.
  45. ohhaithur

    ohhaithur e-Batman
    Donor

    So what do we think the motivation is here from Chase?
     
  46. Jimmy the Saint

    Jimmy the Saint Drunk as an uncle in a Walmart parking lot
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    Goodness of their hearts. Banks are always looking out for their customers! :beaver:
     
  47. AHebrewToo

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

    Create a net operating loss that they can carry back to a 35% rate year. I'd bet money on it.
     
    BP, Nelson, TAS and 7 others like this.
  48. i am a bammer

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

    Cut loses from the surge in travel redemptions once people can travel?
     
  49. SP1

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

    I'm not seeing the 1.5 to statement credits as an option in the portal...anyone got a screenshot of where it's at?
     
  50. SP1

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


    Nevermind, I learned to read:

    Valid from May 31 through September 30, they’ve added additional categories for a simple statement credit to offset purchases in these categories:
     
    TAS likes this.