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. i am a bammer

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

    You can just buy the tools on your chase card and use the points
     
    ohhaithur likes this.
  2. ohhaithur

    ohhaithur e-Batman
    Donor

    [​IMG]

    Freedom with an easy Q3
     
    EMAW FC, BP, Menelaus and 10 others like this.
  3. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    tools are at a specialty tool store not Home Depot/Lowe’s. Not sure if it would qualify
     
  4. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    amex offering 25k amex pts if you put 25k in their 1.15% interest high yield interest account and hold for 90 days

    not sure how targeted but imagine that's a good deal for some people who keep large cash reserves
     
    Menelaus, Sportfan, TAS and 3 others like this.
  5. Jimmy the Saint

    Jimmy the Saint 13 beers and a bad taste in my mouth
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    Interesting. Ally just cut their rate to 1.10%. Tempted to do this if I can use the offer.
     
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  6. Sportfan

    Sportfan From Six to Dumptime

    If someone can find a way to refer me to that AmEx offer go ahead.
     
  7. C A N E

    C A N E Well-Known Member
    Donor
    Miami Hurricanes

    I’ve been hoarding points for awhile but with covid cases exploding, I might just cash out and not risk devaluation.
     
    Doug and marcus like this.
  8. Det. Frank Bullitt

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

    Sportfan likes this.
  9. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Taking notes of everyone with $25k in cash sitting around :chan:
     
  10. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    Det. Frank Bullitt likes this.
  11. wolfpck

    wolfpck haters gonna hate
    Donor
    North Carolina State Wolfpack

    So if I buy gift cards at Kroger will that count as 5x points for CSR?
     
  12. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    think i'm going to take advantage of that amex deal, buying a condo/townhouse next year probably so sidelining some money for that would be smart and the ROI on that % plus points is great.

    i wish the 90day requirement was a timer but it's you have to have it in by X date and not take it out by Y date
     
  13. pianoman

    pianoman my drinks are free
    Donor TMB OG
    Michigan WolverinesChicago CubsDetroit Red Wings

    Anything I need to be aware of in regards to rules when applying for Barclays cards? Also anybody have a referral for the AA biz Barclays card they'd like me to use? Also want to make sure I'm going for the right card here. Currently I have the following.

    CSR
    CSP
    CIP
    AMEX Platinum
    Aspire
    World of Hyatt

    All of those in the last 2 years so no Chase cards for me right now. I'd like some more points for a month long trip the wife and I are doing to Europe next year and the AA biz card seems good value for getting miles for flights to get over there.

    Chase points approx 250k
    Amex points approx 80k
    Both Hilton and Hyatt are at almost zero for a trip we're doing domestically later this year.
     
    #12713 pianoman, Jun 24, 2020
    Last edited: Jun 24, 2020
  14. Det. Frank Bullitt

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

    Reminder for my Amex Plat brethren: don't forget to use your $50 off at Sak's ASAP. the credit will be reimbursed on the day the charge posts, not the transaction date.
     
    pratyk likes this.
  15. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Already bought the gift card. Gotta find the 100 bucks from last year and splurge on something stupid next month.
     
  16. C A N E

    C A N E Well-Known Member
    Donor
    Miami Hurricanes

    Have the Schwab Platinum already.

    Pulled the trigger on the vanilla Platinum via referral from a friend (he gets 20k MR so he gave me $50 as a thanks). I'll be cashing out the sign up bonus via Schwab for $750 to offset annual fee ($200 gain). I was able to get the card number so I was able to use the cell phone and streaming credit for June. Also loaded card number into Uber for lunch money tomorrow.

    In total:
    $200 gain from sign up bonus (after $550 annual fee)
    $140 gain from cell phone credits
    $140 gain from streaming
    $200 gain from Uber Eats (I use pickup mostly)
    $100 gain ordering makeup for the wife from Saks

    Not going to count the airline fee credit yet.
     
  17. ohhaithur

    ohhaithur e-Batman
    Donor

    Anyone have any missing or extra money in their Chase account today? Apparently a big glitch
     
  18. C A N E

    C A N E Well-Known Member
    Donor
    Miami Hurricanes

    Was just reading about that. Wild. Amazing that our money is just numbers on a screen.
     
  19. i am a bammer

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

    How does this work via Hilton, because I'm hitting 60 nights soon:
     
  20. ohhaithur

    ohhaithur e-Batman
    Donor

    Citi is down too :laugh:
     
  21. laxjoe

    laxjoe Well-Known Member
    Donor
    Notre Dame Fighting IrishAvengersSan Diego Padres

  22. EMAW FC

    EMAW FC Proud Smucker
    Donor
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsFulhamSporting Kansas CitySneakers

    my neighborhood liquor store is on the small business list, excellent.
     
  23. i am a bammer

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

    Getting more of a bailout from high-premium credit cards than the fed. Writing in "Hilton Aspire" in November.
     
  24. Jimmy the Saint

    Jimmy the Saint 13 beers and a bad taste in my mouth
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    My beer store is on there. That's an easy $50.
     
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  25. i am a bammer

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

    My beer store, Mexican food store, and coffee shop are all on there and within walking distance
    :blessed:
     
  26. Jimmy the Saint

    Jimmy the Saint 13 beers and a bad taste in my mouth
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    It was also coded as a grocery store for Freedom/CSR 5x. Been a good few months with that too.
     
  27. beist

    beist Hyperbolist
    Donor

  28. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Amex got my Streaming money right now - 20 bucks back each month is the way to go. 10x from CSR is weaksauce IMO.
     
  29. i am a bammer

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

    How long is the pay yourself back promotion? I'm about to buy gas just to sell it like IASIP
     
  30. laxjoe

    laxjoe Well-Known Member
    Donor
    Notre Dame Fighting IrishAvengersSan Diego Padres

    what's this one?
     
  31. pianoman

    pianoman my drinks are free
    Donor TMB OG
    Michigan WolverinesChicago CubsDetroit Red Wings

    Amex platinum cardholders get $20 back a month spent in streaming services for the rest of 2020
     
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  32. C A N E

    C A N E Well-Known Member
    Donor
    Miami Hurricanes

    Am I the only person that buys a gas card during the weekly grocery trips? I’ll buy a 50 Mobil gas card and then fill up both cars with it.
     
  33. Where Eagles Dare

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

    So this is a 10 $5 credits, right? So you need to spend more than $10 ten different times to get $50?

    Like, I can't go to a local place on the list and spend $100 then get a $50 credit...right?
     
  34. laxjoe

    laxjoe Well-Known Member
    Donor
    Notre Dame Fighting IrishAvengersSan Diego Padres

    I believe so
     
  35. i am a bammer

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

    Wat do?
    Details: I have a choice to stay in a Home2 and use my Hilton Aspire and get more monopoly money from Hilton or to stay in a nicer Springhill for the same price. I'll be gone a couple of weeks. I don't have a Marriott card and I'm under 5/24. Is it better to try and get a Marriott card before I go (I'm checking in Monday so it might be hard) or just keep going with the aspire? I'd rather be in the Marriott.
     
  36. CoastalOrange

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

    Others know the game way better than me but I would assume it will be almost impossible to get the Marriott card before you get there on Monday. However, if you are going to be there for at least 2 weeks, then there might be a chance you get it before you check out and can ask them to charge that new card prior to you checking out.

    I would think its one of those "bird in the hand is worth two in the bush" type situations. You know you have the Hilton card and can get those points whereas you have no idea if: (a) you will be approved for the Marriott card or (b) it will arrive in time even if you are approved.
     
    i am a bammer likes this.
  37. i am a bammer

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

    Yeah that's the tough part. The Chase Bonvoy card looks like good value but it seems like a nightmare to try and get the physical card to myself in a timely way.
     
  38. NoNatty

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

    Anyone know how chase sapphire purchase protection works exactly?

    I bought some nightstands from Ashley (bad mistake). They took 6 weeks to arrive and showed up slightly damaged.
    Took Ashley 3 weeks to return my calls, so I called chase and explained the situation in the meantime. They said they would freeze the payment, send a letter, and probably ask for pictures.

    Ashley called back today and gave me the option of either having the nightstands replaced or returned. They said both processes would take 4ish weeks for me to get refunded.

    At this point I just want to keep the nightstands and chase to deal with it through purchase protection. Do I need to call them back or is it assumed that it was covered under that since they said they may need pictures?
     
  39. ohhaithur

    ohhaithur e-Batman
    Donor

    No chance of getting that card in time
     
  40. ohhaithur

    ohhaithur e-Batman
    Donor

    You probably won't be able to keep the stuff AND get your money back from chase
     
    Where Eagles Dare and NoNatty like this.
  41. NoNatty

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

    I’m fine with just a discount. It seems like a scam for Ashley (again, I should know better) to say it will take 4+ weeks to get a refund, especially after taking 3 weeks to return my call.

    I guess my question is, should I call chase back and explain that Ashley called me back?
     
  42. ohhaithur

    ohhaithur e-Batman
    Donor

    Ashley will tell them they offered you what they offered you, you'll lose and you'll be back to square one

    Chase has no reason to protect you here imo
     
    NoNatty likes this.
  43. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    dealing with chase disputes currently, they're kind of bad

    hotel closed during corona but refused refund. pretty easy dispute case right? nope, marked valid on first time through because the hotel sent them an email where i asked what my options were due to border restrictions.

    they never even asked if they were open or closed. resubmitted with proof they closed and that person said it was a slam dunk but i'm still suspicious.
     
  44. RJF-GUMP

    RJF-GUMP Daubert Qualified in Cooler Thermodynamics
    Donor TMB OG

    have 110,000 chase points right now. Says I can get $1600 worth of travel with it....if i could travel. I usually use it for plane tickets when I'm traveling.
     
  45. Lipp the Gay Liberal

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

    thanks for sharing.
     
  46. Det. Frank Bullitt

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

    Nice little outcome with my Amex Plat.

    I bought a Peter Millar polo for $94 with my $50 Saks credit in June. Well the next day they reduced the price to $55, so I requested a credit/price match. with the Amex $50 credit the total price comes out to under $7.
     
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  47. Houndster

    Houndster $25 Standard Unit
    Staff Donor

    Use the pay yourself back option if you don’t want to sit on them
     
    i am a bammer likes this.
  48. i am a bammer

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

    RJF-GUMP a lot of people itt have been doing this because it's pretty solid value if you don't have a trip in mind.
     
    RJF-GUMP likes this.