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. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    Basic question:

    Does Citi charge 3% for the balances you're bringing over? Do the cards that you're transferring the balances from charge you?
     
  2. ohhaithur

    ohhaithur e-Batman
    Donor

    I have never heard of a fee to transfer your balance off of a card
     
  3. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Citi double cash charges 3% or 5$, whichever is higher. I'm sure others do. Some may waive it as intro offers
     
  4. ohhaithur

    ohhaithur e-Batman
    Donor

    I read the question as does the other side also charge a fee. The account you're transferring your balance off of.

    As in, I'm saying only the company receiving the balance charges you.
     
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  5. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    Yeah, that’s what I meant. Fortunately I’ve never been in the situation, so not aware of typical terms and conditions.
     
  6. Lipp

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

    No - you’re just paying off your balance with another credit card. They can’t charge you for paying off your balance - they just get the money.
     
    DuffandMuff likes this.
  7. Struggler

    Struggler Well-Known Member
    Donor
    Ohio State BuckeyesCincinnati RedsCincinnati Bengals

    Approved for platinum Amex in December for 100k point bonus. A 125k point bonus mailer just arrived.
    Any hope of them giving me the extra 25k points if I call and ask? Is there a script to this inquiry?
     
    Todd Bonzales and pratyk like this.
  8. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Call and ask. No script no nothing. They should be able to match it
     
    Struggler likes this.
  9. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    They finally approved the wife's Amex Platinum (125k offer). I had used our new address and they had requested proof of address. Took a week to review but finally through. Phew.

    Ofcourse I'm gonna hit the spend in 1-2 weeks. Good news and bad I suppose.
     
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  10. Det. Frank Bullitt

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

    125k MR is a new best, AFAIK, for the Amex Plat.
     
    pratyk likes this.
  11. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Yup - not to mention, the 10x back on groceries and gas for the first 6 months really is a cherry on top
     
  12. Det. Frank Bullitt

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

    From TPG re Amex Plat users

    17 ways to use the $30 monthly PayPal credit
    The best way to maximize the $30 monthly PayPal credit is to use it to cover one or more expenses you’d already be incurring. For example, some cardholders have reported using their $30 PayPal credit for the following:

     
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  13. Det. Frank Bullitt

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

    With half of January passed, I made my annual donation to Wikipedia today using this credit. I might do so again if I find myself late in the month and not interested in uber eats.

    Remember, you'll want to execute a few days before the month ends to ensure it posts in the proper month, though I give paypal more credit to post on time than i do some of these other processing platforms. Especially so when it relates to shipping a physical item and the charge might not post until the item is literally shipped - which is doubly bad with covid delays. YMMV.
     
    #13063 Det. Frank Bullitt, Jan 15, 2021
    Last edited: Jan 15, 2021
    DuffandMuff and TAS like this.
  14. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    Thank you TPG for letting us know PayPal is accepted far and wide.

    This isn't like people trying to find what to spend the free $100 on at Home Depot.
     
    pratyk likes this.
  15. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    anything for them sweet affiliate link apps / approvals.
     
  16. Det. Frank Bullitt

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

    No one harsher ITT on TPG than myself.

     
    pratyk likes this.
  17. Det. Frank Bullitt

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

    I was disappointed when they removed comments from their site, which showed just how many people disapproved of the products/offers/affialites they were pushing that were demonstrably in their best interests, and not for the reader's .
     
    DuffandMuff likes this.
  18. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    This may have already been covered, but the new AMEX platinum offer with 10x on up to 15k in grocery/gas spending can be even better than the 100K offer without that bonus, right? I’ve tried for years to get the 100k offer and haven’t ever been able to land it. Looking at this new offer, my current best grocery card is AMEX gold at 4x, so gaining 6x more on 15K is an extra 90k points plus the 75k bonus. Any fault in that logic?
     
  19. theregionsitter

    theregionsitter Well-Known Member
    TMB OG
    Notre Dame Fighting IrishChicago White SoxIndianapolis ColtsColumbus Blue JacketsColumbus Crew

    just checked and we have 264,895 chase points on our saphire reserve

    need this pandemic to end, daddy needs to take a trip
     
  20. IowaHuskerFan3

    IowaHuskerFan3 I husk hard
    Nebraska CornhuskersAtlanta Braves

    I need a new credit card to put all my purchases on. I don't spend much on groceries - just gas, travel, and major stuff to soften the blow. I closed all my cards a couple years ago to ease the temptations. I think I have one card that I haven't used in 2 years. Just want rewards to airlines pretty much.
     
  21. Nelson

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

    Got an Amex 125k offer. Hmmmmmm
     
  22. Nelson

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

    PS

    Wife already has one, will I get dinged for applying for a separate account?
     
  23. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Unless you’re using her ssn or you're an AU on her card, no.
     
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  24. ohhaithur

    ohhaithur e-Batman
    Donor

    How much do you travel? What's your home airport?
     
  25. IowaHuskerFan3

    IowaHuskerFan3 I husk hard
    Nebraska CornhuskersAtlanta Braves

    I just rack up miles for the commute at the moment and Omaha.
     
  26. Where Eagles Dare

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

    You need to cash those bad boys out
     
  27. ohhaithur

    ohhaithur e-Batman
    Donor

    You're probably best off in the Chase universe. Flexibility to United and Southwest or through their travel portal.

    If I gave you these the options what would you choose:

    Free card with no travel benefits, some points, and a small sign-up bonus

    $95 a year with some travel benefits and slightly more points and a big signup bonus

    $250 a year with major benefits and maximum points and a big signup bonus

    (You can easily downgrade a card after a year if you don't find it worth it)
     
  28. IowaHuskerFan3

    IowaHuskerFan3 I husk hard
    Nebraska CornhuskersAtlanta Braves

    Probably the $95 a year one.
     
  29. theregionsitter

    theregionsitter Well-Known Member
    TMB OG
    Notre Dame Fighting IrishChicago White SoxIndianapolis ColtsColumbus Blue JacketsColumbus Crew

    I know, hopefully on flights to Italy late Summer

    fingers crossed
     
  30. Where Eagles Dare

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

    I meant pay yourself cash at 1.5c. I think the deadline is march 31st
     
  31. ohhaithur

    ohhaithur e-Batman
    Donor

    Anyone have a 60,000 Chase Sapphire Preferred referral for IHF3?
     
    IowaHuskerFan3 likes this.
  32. Tony Wonder

    Tony Wonder Well-Known Member
    Donor
    Michigan WolverinesDetroit LionsDetroit Red WingsNewcastle United

    If no one else has one:
    Earn 60,000 bonus points with Chase Sapphire Preferred. I can be rewarded, learn more.
    https://www.referyourchasecard.com/6a/S6S3GJUMJT
     
    The_Baumer likes this.
  33. Tommy Callahan

    Tommy Callahan Well-Known Member
    TMB OG
    Alabama Crimson TideAtlanta Braves

    I needed a new calculator for school and so added some things on Best Buy and hit 50 dollars for the Amex offer. Didn’t read the fine print on has to be ordered online and shipped. The pickup at store screwed me
     
  34. Lifeiskilingme79

    Lifeiskilingme79 Well-Known Member
    Donor
    Florida GatorsChicago Cubs

  35. ohhaithur

    ohhaithur e-Batman
    Donor

  36. Nelson

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

    :beerchug:

    could she still get a referral for me even if I claim the 125k offer?
     
  37. Lifeiskilingme79

    Lifeiskilingme79 Well-Known Member
    Donor
    Florida GatorsChicago Cubs

    Idk that was a direct copy and paste from my app
     
  38. Lifeiskilingme79

    Lifeiskilingme79 Well-Known Member
    Donor
    Florida GatorsChicago Cubs

    Seems like the 75,000 is the cap for the person referring
     
  39. ohhaithur

    ohhaithur e-Batman
    Donor

    Baiting and switching the noobie. DO YOU HAVE ANY SHAME

    (but yeah, that makes sense)
     
  40. Lifeiskilingme79

    Lifeiskilingme79 Well-Known Member
    Donor
    Florida GatorsChicago Cubs

    I'm a noobie myself so idk what I'm doing
     
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  41. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Chances are that the 125k offer won't show for referral links. As long as you don't try to refer yourself, you should be in the clear.
     
  42. colonel_forbin

    colonel_forbin Well-Known Member
    Donor

    Does the Chase Sapphire Reserve travel insurance only apply for purchases made with the Reserve?
     
  43. Nelson

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

    yeah
     
  44. Nelson

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

    Really bailed my ass out on some rental car damage in Spain once
     
    ohhaithur likes this.
  45. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    If AMEX platinum has a referral and the current offer still stands, somebody that contributes here drop a link
     
  46. Nelson

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

  47. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    we had a rental car in clemson last year when some kid backed into us

    the CSR system is clunky as hell but cut the check with a quickness once I actually got the rental car company to give me an itemized repair sheet
     
  48. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    I finally gave up on waiting for AMEX 100k offer and decided to jump on the 75k + 10x at grocery. As I click apply, one more time I pull up a new window in incognito just to double check some terms and boom, offer now shows 100K + the 10x grocery/gas. :feelsgoodman:
     
    laxjoe, Nelson, Lipp and 5 others like this.
  49. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    you check via card match or?
     
  50. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    I’ve done the cardmatch tool probably 20 times over the last year or two and never gotten it. I just pulled up incognito window and googled amex platinum and the 75k offer popped up. I clicked “apply” but didn’t fill anything out yet, then did a new incognito window with same search and this time the 75k offer was scratched out and 100k in its place
     
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