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Discussion in 'The Mainboard' started by blind dog, Apr 10, 2015.
Barcelona’s kit sponsor. Duh
anecdotally I’ve personally found fast food workers to be most impressed
how do you get 5-8 cpp on first class or business class flights? I’ll have a honeymoon to book next year and this would be great
theres certain redemptions that you can get wild value
like booking ANA with Virgin Atlantic Points in first class, used to be booking Delta business with virgin too but they kneecapped that to asia
but I'm not sure anyone here is actually going to pay $ for a 12-20k flight so the CPP values aren't totally apples to apples
Hello folks, I am looking for some good ole fashioned advice. Excuse any ignorance, I have tried to read this thread but don't have the background experience to be fluent in all the credit card talk.
I have taken my credit score from 560 to 713 (I lived abroad and had student loan payments default) over the past year and a half and am now looking to do some adulting with my credit cards.
I have read this thread but want to get some specific advice. I am 3/24 (Capital One Quicksilver 08/19, Discover 03/20 and Amazon Chase 12/20) Should I just close these once I hit the 2 year mark? Or keep them because I am still building credit.
My 713 (All scores are in the low 710 range) seems to qualify me for the Amex Platinum but maybe I should wait to get a 100k offer from reading this thread. ($550 is a helluva number for an annual fee but it seems well worth it).
CSP seems to be my best choice but it seems I should wait for 720 to be guaranteed the card then work my way up to CSR.
Right now my plan from reading this thread is open up an Amex Platinum spend the 5k in 6 months build to a 720-725 then as soon as I hit the intro bonuses open up a CSP. Is that reasonable?
I'll use some referrals from you all as well.
First off, congrats on building your credit back up. If the three credit cards you listed above don't have an AF, then keep them. The longer you keep your oldest cards open, the better your score will be. My first cards were Discover and Chase Freedom and although I rarely use them, I still keep them open and never plan to close.
I'd love to refer you, but you would only get 60,000 bonus points plus the 10x points back at gas stations and grocery stores. You should definitely look for something better than a 60,000 sign up bonus.
If you do go forward with Amex Plat, make sure to sign up and link your account to a Rakuten account. I described the process a few posts back. It's an easy way to earn extra MRs.
i've been waiting on a 100k offer for like two years to get my wife an amex plat and our scores are 800+
i'm about to just stop waiting, it seems very random how its targeted
I wonder if it has anything to do with the person already having a lower end Amex card? I feel like I've heard of the 125k bonus coming by mail.
RWisoursavior make sure you're in incognito mode when you go looking for Amex Plat sign up links
Rakuten is offering 15-20% cash back at Saks Fifth. That could be 1,000 free points just for using the $50 Saks Fifth credit.
It seems I can signup today and get 75k, seems worth it rather than waiting around for a possible 25k more, no?
Odd referrals net less rewards than just signing up on their website.
It also says check to see if you pre-qualify for 125k signup bonus (checked in incognito). Most likely I wouldn't qualify for the 125k it seems.
lolol you can't make this up. I literally just received a 100K + 10% grocery/gas sign up bonus in the mail. You'd think their system would know not to send it to someone who already has the Plat.
this lets me know that myself having a plat but the wife not isn't the impediment
Yeah I got a mailer last week as well
Go fuck yourself
that's what I'm suppose to say, right?
Went with CSP (got approved with a 713) and will hit those bonuses then add amex platinum in 6 months.
I got the Plat less than two years ago and only received a 70,000 SUB, so it kinda hurts me too.
Early last year I booked a flight for me, my son and my wife with her ticket being my Amex companion pass. Due to covid, we cancelled the trip and got vouchers. We are finally going to use those and I login today and realize that mine and my son's ticket vouchers are still valid, but my wife's companion pass ticket expired on its usual expiration date. Seems like a pretty shitty "gotcha" considering the pandemic. Has anybody had a similar issue and had any luck negotiating with Amex?
call and ask if you haven't
mine was in a similar spot and they just reopened it
That's good to hear, I'll call today. I had forgotten this until just now but I downgraded my Delta Plat to Gold last year since I figured we wouldn't be traveling for a while with pandemic and new baby. I wonder if that will affect their answer?
Anecdotally, I just used the CardMatch thing on creditcards.com and got the 125,000 MR targeted offer for Amex Platinum
i h8 u
Haven't signed up for a new CC since buying a house nearly 2 years ago... I imagine those 2 factors played a part in it
Hit it in three, what a dumbass I am.
Thanks I set this up this week because of this thread.
Previously I had just set it to make an automatic minimum payment... but... that just results in more work for me to remember to go in and make the full payment, often something I'd be doing needlessly multiple times per month just to be cautious.
Remind me again how to break even on the $450 annual fee for the Hilton Aspire? $250 resort fee credit seems easy if you plan on going each year. Then at least $100 at minimum for annual free weekend night.
$250 airline credit, I chose United and club passes trigger the credit. Also there’s an offer to add to the card for this calendar year where you get $20 cash back per month when you spend that at restaurants
Did not know club passes triggered the credit. That’s good to know
not directly related but if Amex ever made its travel credit on the plat easy to use it'd be the best card
but they've also kept it just valuable enough i can never cancel it, so maybe they're winning
The platinums airline credit is definitely the worst aspect.
Last year I used it with some weird use a gift card for part of your fight tricking Amex into thinking it's ancillary purchases
Unsure if that works still and there were weird dollar thresholds too
You can buy United Travel Bank credit I believe. I’m fortunate and am on a buddy pass with United, so have never tried it. I usually end up buying wifi, booze on the plane or lounge passes with the credit.
I'm a delta boy
Definitely use booze to use up the change at the end of the year
It also works for Delta lounge entry fee reimbursement
I used $92 of my Plat credit on an AA upgrade this weekend into First.
I think I'll continue to use them this way, but i'd probably downgrade the value of that perk since the AA gift card loophole was closed (in 2020?).
Which was seat 1L on a 777-200ER, configured with lie flat seats.
is this a quiz? What’s the other option?
Designated Alaska for the airline $250 credit. Doesn’t work on the fare, but works for upgrades to premium seating. Bumped myself up to premium (no middle seat, drinks included, priority boarding) for my round trip flight and used the remaining to upgrade the friends flying with me
It should have probably been conjoined in the above post into a single sentence. Poor composition.
e.g. I used an upgrade....which was seat 1L....
Pay yourself back option still the best use of Chase UR points?
What was the flight itinerary?
why would the pay yourself back option be the best when it’s worth 1.5 points when you can get better value on travel?
This is why I’m holding onto my points.
It is 1.5 points on travel as well and I’ve always found a “better” deal on paying $ than on the UR redemption options.. and I can take that cash and use it again to buy the travel and get points... again.
I booked a $1,000/night Hyatt for 15k/night not long ago so there's definitely some incredible deals out there.
At least pre-Covid United had solid redemptions to Europe and Asia that went well beyond 1.5x value.
I had/have a shit ton of UR points and I just dont know how or the best way to hunt for these amazing deals to transfer partners that people talk about so I ended up just using pay myself back. How do yall go about these deals without spending all kinds of time hunting them down?
Dude, you gotta join a site with an eBook because if you’re going to travel internationally, you’re leaving a lot on the table.
When I’ve redeemed Chase points in the with travel partners it’s not very painstaking to find good value, not many more steps than searching for good airfare/hotel deals. For United you just change your search to book with points instead and even though your exact dates may not have the good value you can check the calendar. Hyatt’s categories for points are some of the most straightforward of any of the hotels and they list hotels by category on their site.
I have no idea what this is. Explain.
Like tjosu said, whenever you're searching for hotels/flights on an Chase travel partner website, just select points for the fare/rate. It's really about as simple as it gets. You can use Expedia as a starting point to see what options are in the area (although the availability for awards bookings won't be the same as what shows up on generic search engines).
For me personally, it's less about searching for a great point redemption in a random location to maximize how many cents/pt I can squeeze out. Or booking 1st class/business class flights. It's more just looking in the cities I plan to travel to and seeing what is out there, then checking to see if a points booking makes more/less sense than an UR portal booking or even just paying cash.
And I've mentioned it before, but one of the best benefits with booking using points directly with the hotel, is you avoid paying taxes, resort fees (not always) and sometimes there will even be fees for 4th or 5th occupants, that you can avoid. In some cities, all that shit added together gets to expensive.
DFW>LAX at ~5:40am.
Kinda surprised to find lie flat on that route, but w/e. That is the only reason I sprung for it on that flight. I have more AA segments coming up, including with my wife. I wouldn't have used it had it been say, an A321 first class seat.
MCE or similar upgrades are usually $40+ anyways, so $92 made complete sense. I think between the two of us, we have $650 in AA credits this year via Amex.