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. wolfpck

    wolfpck haters gonna hate
    Donor
    North Carolina State Wolfpack

    Girlfriend just got the CSP last week. Any chance she can call and get the 100k bonus now instead of the 80k?
     
  2. laxjoe

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

    Doesn’t hurt to ask, but i wouldn’t hold my breath
     
  3. LSU90

    LSU90 Well-Known Member

    Have tried this before...doesnt work but always worth the ask.
     
  4. BayouMafia

    BayouMafia slowly learning that life is ok
    Staff Donor
    LSU TigersTexas RangersNew Orleans SaintsFulhamWrexham AFCDulwich Hamlet

    oneworld sapphire and emerald are allowed in as well
     
  5. BellottiBold

    Donor
    Oregon Ducks

    I did forget about that. Is that regardless of the airline being flown?
     
  6. WC

    WC Bad Company, ‘til the day I die.
    Donor TMB OG
    North Carolina State WolfpackAtlanta BravesCarolina PanthersCarolina HurricanesUnited States Men's National Soccer Team

    The sign up bonus from a referral doesn’t always reflect that does it? Looks like it’s still 80k when I try to refer someone to it :(
     
  7. The_Baumer

    The_Baumer Go Mordecai!
    Donor

    Referrals usually take a week or two to catch up to the new offers.
     
    laxjoe and WC like this.
  8. BellottiBold

    Donor
    Oregon Ducks

    lifemiles promo is giving me a small sweat.
    One of the blogs (omaat) has a link that allows you to get up to 175% bonus. I'm probably more interested in a level down at 170%. As an example I could spend 1k and end up with 83,700 miles and 5,000 MR points since it codes direct as airfare.
    Of course there's a non-zero chance that the airline (Avianca) itself "restructures" and loses star alliance affiliation in which case the miles are fairly useless...
     
  9. Where Eagles Dare

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

    For people getting the CSP 4 years after CSR. Do I need to downgrade my CSR before I apply for the CSP? I got my account/Bonus in early 2017 so should be good.

    I need to exhaust my points at 1.5x before I do this tho
     
  10. BamaNug

    BamaNug The journey itself is the point
    Donor
    Alabama Crimson TideAtlanta BravesNew Orleans Saints

    Anybody have a good 0% APR card recommendation? I needed about $15K for a project last year, and got the Chase Unlimited Freedom, 0% APR for 15 months, and because I have a long relationship with Chase, they gave me a $20K limit. Paid everything off before the APR period finished, so it essentially functioned as an interest free loan for 15-months. Looking to do something similar, but Chase told me I can't do it again with the Unlimited Freedom (although may try and get a different rep that's more malleable).

    Citi and some other cards with long 0% APR periods look like they only provide $5-10K in credit limits, and I would need more than that.

    Any thoughts on this incredibly risky and irresponsible credit practice?
     
  11. Uncle Tupelo

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

    Amex Blue Cash Everyday/Preferred, Amex Cash Magnet, Discover IT, Cap One Quicksilver, just off the top of my head. You'll probably have better luck with a higher credit limit with Amex, I would think.
     
  12. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    I have a Discover It and Amex BCE. Amex definitely seems to give you a higher credit limit. I’d be surprised if discover gave you $15k off the bat.
     
    Uncle Tupelo likes this.
  13. Tommy Jefferson

    Tommy Jefferson Well-Known Member
    Nebraska CornhuskersKansas JayhawksKansas City RoyalsKansas City Chiefs

    Am I your girlfriend!?

    I applied last week before the new promotion started, but didn’t receive/activate my card until yesterday. I called and they said the promotion is based on the application date and they couldn’t retroactively apply the promotion, even though I hadn’t received the card until after the new promotion started. I hate giving the call center staff a hard time, and didn’t have any good leverage, but you might have better luck than me.
     
  14. Alshon

    Alshon Well-Known Member
    Donor
    South Carolina Gamecocks

    As someone who also partakes in incredibly risky and irresponsible credit practices, why not go with the Chase Freedom flex? Should be 15 months of 0% as well.

    I got the Citi Diamond Preferred last year for some house things. 18 months at 0% and my credit limit is $15k.
     
    CoastalOrange and BamaNug like this.
  15. BamaNug

    BamaNug The journey itself is the point
    Donor
    Alabama Crimson TideAtlanta BravesNew Orleans Saints

    I spoke with two different Chase reps today and neither of them mentioned the Flex card. Will definitely look into that.

    I did some research on the Citi Diamond Preferred, and saw that the general credit limit was "$3K - $9K." I could work with a $15K limit.

    :respek:
     
  16. BellottiBold

    Donor
    Oregon Ducks

    did this 1k(ish) gamble :ohnoes:
     
  17. Alshon

    Alshon Well-Known Member
    Donor
    South Carolina Gamecocks

    Just as an FYI - Citi initially gave me $10.4k, they upped it sometime within the last few months, so they may be willing to work with you.
     
  18. LSU90

    LSU90 Well-Known Member

    Wondering the same thing.
     
  19. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    You need to product change your old sapphire card before singing up for a new one.
     
  20. JacobPalmer

    Donor
    Nebraska CornhuskersGreen Bay Packers

    I don’t have a chase card. This 100k offer is probably too good to pass up yeah?
     
  21. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    It will never be better
     
    JacobPalmer likes this.
  22. JacobPalmer

    Donor
    Nebraska CornhuskersGreen Bay Packers

    Hit me up with a referral
     
    TAS likes this.
  23. Tommy Jefferson

    Tommy Jefferson Well-Known Member
    Nebraska CornhuskersKansas JayhawksKansas City RoyalsKansas City Chiefs

    It looks like the referral won’t get you the 100k bonus yet.

    Earn 80,000 bonus points with Chase Sapphire Preferred. Plus, earn $50 statement credit towards grocery purchases. I can be rewarded, learn more.
    https://www.referyourchasecard.com/m/6a/6L5/GF5V/1575919731
     
    TAS likes this.
  24. JacobPalmer

    Donor
    Nebraska CornhuskersGreen Bay Packers

    So nobody is missing out on anything if I fly solo and sign up?
     
    TAS likes this.
  25. ryno23

    ryno23 Well-Known Member
    Donor
    Tennessee VolunteersChicago CubsAtlanta BravesTennessee Titans

    If anyone has a Hyatt card I will use a referral.
     
  26. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

  27. Uncle Tupelo

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

    Nah, hop on that non referral 100k offer. Referral is only 80k.
     
    TAS likes this.
  28. ryno23

    ryno23 Well-Known Member
    Donor
    Tennessee VolunteersChicago CubsAtlanta BravesTennessee Titans

    Also might get the chase sapphire card. Seems too good to pass up
     
  29. Menelaus

    Menelaus The Red-Haired King
    Donor
    Alabama Crimson TideReal Madrid

    Same
     
  30. colonel_forbin

    colonel_forbin Well-Known Member
    Donor

    You can only have one personal Sapphire product at the same time. Here's the eligibility rules language:

    The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products.
    https://www.cnbc.com/select/having-...Chase doesn't allow you,t apply for the other.
     
  31. Where Eagles Dare

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

    any timeframe I'd need to wait after I downgrade before applying?
     
  32. colonel_forbin

    colonel_forbin Well-Known Member
    Donor

    No clue on that one.
     
    Where Eagles Dare likes this.
  33. C A N E

    C A N E Well-Known Member
    Donor
    Miami HurricanesMiami Heat

    Wife is about to be under 5/24 chase ink cards here we come:swagstrut:
     
    CoastalOrange likes this.
  34. pianoman

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

    The preferred bonus now requires $15k spending in the first three months. I just hit under 5/24 but that's a lot even with MS to hit.
     
  35. Where Eagles Dare

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

    15k is pretty tough if you're just doing personal expenses and don't have any major purchases
     
  36. Tommy Jefferson

    Tommy Jefferson Well-Known Member
    Nebraska CornhuskersKansas JayhawksKansas City RoyalsKansas City Chiefs

    Buy $15,000 worth of toilet paper at Walmart then go to another store and return it without the receipt. They give you store credit you can use later.
    #lifehack
     
  37. beist

    beist Hyperbolist
    Donor

    or just by $7,500 worth of toilet paper and $7,500 worth of taco bell and all your problems will be solved.
     
  38. Wicked

    Wicked Next One's Comin' Faster
    Donor
    Iowa HawkeyesChicago Blackhawks

    Fixed for accuracy,

     
    laxjoe, Det. Frank Bullitt and beist like this.
  39. toddzo

    toddzo 8====D~~~~
    Donor
    Florida State SeminolesTexas AandM Aggies altSneakers

    I currently have the citi AAdvantage platinum select card. Is there a way to upgrade to the executive card without another hard credit inquiry?
     
  40. Det. Frank Bullitt

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

    Not a direct answer, but I believe product changes do not qualify for the welcome offer/sign up bonus.
     
    toddzo likes this.
  41. BellottiBold

    Donor
    Oregon Ducks

    flipped my (eventually 1.5k) lifemiles gamble into polaris between ORD and LHR, and swiss biz ZRH to EWR with change to spare. good times.
     
    CoastalOrange and DuffandMuff like this.
  42. Baseballman86

    Baseballman86 Well-Known Member
    Alabama Crimson TideAtlanta BravesAtlanta Falcons

    Amex platinum TMBers:

    If I will have myself, wife, 3 yr old and baby (7 months), can we all get into Delta or Centurion lounge with my Amex platinum? The way I read the rules I get 2 guests and kids under 2 don't count, but hoping to confirm before I plan around that
     
  43. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    Never been in this situation, but it sounds like you’re correct. I checked the Amex website and found the wording below. Fucking hell…”acceptable proof of age” for an infant. GMAFB.

    “We will admit children under 2 years of age free of charge, provided the Card Member traveling with those children is able to produce a “lap infant” boarding pass or proof of age. Acceptable proof of age will be a passport, birth certificate, infant boarding pass (available from certain airlines) or an immunization record.”
     
    Baseballman86 likes this.
  44. BellottiBold

    Donor
    Oregon Ducks

    IMO Centurion is fine. Delta it depends on whether you have skymiles status or not because if you're merely an Amex platinum card holder you have to pay for a guest. (And I'm assuming you are flying Delta at the time?)
     
    Baseballman86 likes this.
  45. Menelaus

    Menelaus The Red-Haired King
    Donor
    Alabama Crimson TideReal Madrid

    Amex platinum only gets one guest unless you’re Delta 360 (I’m platinum). I have to pay for my wife every time but of course you can offset using the $200 travel credit. I’ve been into lounges several times with my kid (she’s almost 3) and they’ve never asked me for her age or charged us.
     
    Baseballman86 likes this.
  46. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    Thoughts/comments on my situation:

    My second Amex Plat anniversary is in September. I'm considering canceling that and opening a Schwab Platinum. The CSP 100K bonus seems too good to pass up and I received the CSR bonus over 4 years ago. However, what if Chase offers a good sign up bonus on the CSR next year? I would be SOL. I always want a card on hand with some sort of lounge access.
     
  47. Wywan Bwowna

    Wywan Bwowna Wywan Bwowna
    Donor
    Vanderbilt CommodoresTennessee TitansNashville Predators

    Just have a Southwest card from Chase currently. Need to get a new card, is the CSP the way to go right now with the 100k bonus?
     
    Det. Frank Bullitt likes this.
  48. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    It's definitely the best bonus in relation to annual fee.
     
  49. C A N E

    C A N E Well-Known Member
    Donor
    Miami HurricanesMiami Heat

    I have a Schwab platinum. Easily the most valuable card I have. Effectively 5% back at grocery stores and restaurants when paired with the gold. Rumor has they’ll be refreshing the card soon, so careful signing up with the intent to cash out.
     
    DuffandMuff likes this.
  50. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay Lightning

    Yeah there's been a ton of talk with regular and Schwab Plat. Possible AF increase with the regular Plat. Perhaps removal of the Schwab cashback too.