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Discussion in 'The Mainboard' started by blind dog, Apr 10, 2015.
I used a bunch of Amex delta and Hilton points January of 2020 to book our honeymoon to Italy in June. Needless to say ended up with a negative balance on Amex for many months as they refunded me in cash not points. Currently 200k delta and basically 300 in both Amex and Hilton. Baby due in a month and a half so gonna keep growing for the time being
Jealous of all the points you guys have. I barely ever get mine above 100k because we use them a couple times a year.
Their value, at least domestically, has plummeted. I live in the Midwest so normally could get anywhere between Denver and the East coast round trip for around 20-25k miles. I just booked flights to Miami one way for three and it cost 28k per person.
We usually take one big trip a year. Didn't do so in 2020 due to wedding and COVID, so we had some points saved from that year and our big 2021 trip was an AirBnB with friends so we didn't cash in points for hotels. But I've also been using the Chase Pay Yourself Back each month for the past two years.
i end up using them for cheap first class upgrades mostly
Once everything shifted to point to dollar not just flat fares it made it much worse
Does anyone have a business or personal IHG Chase Premier Rewards CC referral?
What about Southwest Rapid Rewards® Premier Business Credit Card?
I think that link defaults to a personal card, but you can choose a business card as well.
And if you can afford the higher AF, the SW Business performance card offers a lot better value imo, between the higher sign up bonus, higher annual bonus and better flight perks
We typically do one big vacation on points every two years. The other year we get together with my three siblings and mom, since we all live in different corners of the country, and then we do a huge airbnb. So as a result I'm typically able to accumulate points up for two years before spending a bunch. We use a ton of chase and Hyatt points for weekend trips here and there but I typically save Hilton and IHG to utilize their stay 5 pay 4 or stay 4 pay 3 for our long trips.
Can you do a personal amex platinum and a business platinum at the same time?
Yes, you can even do a Schwab platinum too at the same time.
Just got a 130k business offer which I will probably jump on. May stack the personal on it too.
What's the spend? Last I checked it was $15,000 in three months which I'd struggle to hit.
I actually have a business that would make it pretty easy to hit that number. Currently I have the Chase ink business and the CSR. Typically take those business points and transfer them to the CSR and use it to pay yourself back. I can shift that over and should be in good shape.
Congrats on not committing light fraud like the rest of us. My collectables business was popping for those Chase Ink Cards back in the day.
Fuck I need something like that to come back around
I would never want to take advantage of credit card companies. They are the moral and ethical bedrock of this country.
checks excel sheet....
$13.3k value concentrated in
230k AMEX MR
215k Chase UR
I've yet to apply about a .85 multiplier for expected annual deval.
Email offer of 125k pts for Amex Plat - is this a historically good offer for AMEX sign up bonus? Ever been higher?
iirc 150k is the highest ever
That $695 annual fee is steeeeeeeep
Now that I own a house I’m abusing my ability to get credit cards’ yearly fee waived. What are some cards I should keep an eye out for? I have:
amex plat (wife’s account. I’m auth user)
CSR (auth user)
Delta amex plat
Chase United infinite
Chase Marriott bonvoy fancy card
Obvious choices are another airline or open my own amex plat/csr. I have a usaa card that’s 2.5% cashback so don’t need a daily spender one.
Got an email for 125,000 bonus Platnium AmEx. Is that the best thing out there right now? Gotta finally bail on my CSR.
edit: I maybe should have read this page
Impressive to have ~$2k in annual fees and be looking to get it closer to $3k.
lots of his get waived due to his spouse
which he did mention in his post fwiw
I don't understand what owning a house has to do with getting annual fees waived. I'm very confused.
military gets fees waived on some(many?) cards
Felt like I had more AF than I realize
Update: I'm at $2490 in AF.
I was already planning to drop from 3 premium cards (1 CSR + 2 Amex Plats) but now I will do so before the af hits.
No amount of Disney, Uber Eats, or Amex credits can justify w/o a huge (e.g .$500 like last year) retention offer.
The co brand cards all still make sense.
Makes sense but this key detail was missing from his post. I don't have my Name P. Redacted dossier handy.
Yeah, I just checked. I'm at $2395 but that includes a brand new Schwab Platinum and the signup bonus easily offsets it. I do plan on dropping the CSR and Platinum this year. Probably going to drop Delta Platinum too. That would get me to $830 which is much more reasonable.
have two amex plats, two delta plats, a delta reserve, a CSP, and a hyatt card
all the delta ones I easily recoup the fees with companion passes, hyatt card is easily value with free night. CSP is to still have access to my ultimate rewards points and is really my daily spender. amex plats I haven't paid the high AF on either so i'm in the positive on both with a little effort, will drop one when the AF hits this year.
I’m glad you asked because I was sitting here thinking I had missed something big with regard to home ownership. Still don’t know why that was referenced if fees were waived during military service.
It was poorly phrased, but I think he meant he’s doing big spend with the home ownership to hit sign up bonuses and still get the annual fees waived.
For clarity, I merged two things into one sentence.
Now that I own a house, I'm less reticent to open up new lines of credit willy nilly. This is mostly just due to spouse approval.
I don't have to pay yearly fees for most major credit cards due to my wife's active duty status.
So now I'm looking to set up the list of cards to work through. Also ironically I got an email today saying that USAA is changing their 2.5% cashback to 1.5% starting Jan '23.
My thought was that he recently bought a house, so he’s now back to opening cards. No idea about waiving annual fees, other than many of the cards are his wife’s?
edit: and I’m late to the party and see it’s already been addressed
Is there a best choice for delta and sky club? I’ll be doing a lot of traveling out of DTW so figured I should be efficient and get Delta points/lounge if available.
currently only have CSR and will be downgrading that soon to do CSP bonus. Would prefer not to have that $695 Amex yearly fee unless y’all tell me it’s absolutely worth it.
Look at the delta reserve
Gets you lounge access and companion pass. Will refer if you go that way
Are you a material girl?
If you by chance upgraded from delta platinum to delta reserve, did you notice a meaningful change in your place on upgrade lists after you upgraded? I frequently find myself a few spots short of a first class upgrade on my main route and would happily pay the incremental annual fee if it would make a difference.
I've changed status with delta in the same interim so hard to guess
I did clear at the 3 day window into first which had never happened before
We buy a couple tickets in first a year so reserve is a no brainer
Who do I call to dispute items on my credit score?
The credit agency. Transunion, etc
The credit reporting agencies.
One of the 3 has an online resolution process, can't remember which one but I've successfully used it in the past. And once you get a resolution with one, they're supposed to report it to the others, although you can always call the others on your own.
Chase finally found a way to entice me to spend points, 25% more on Apple products using pts.
I’m under 5/24 and have had my CSR for over four years. I’ve seen screenshots where the CSP is going up to 100k again. I’m thinking of downgrading the CSR and getting that deal. Thoughts?
I mostly redeem miles by transferring to Chase Partners so the 1.5 in the portal wouldn’t be that much of a factor.
I did it last year. No regrets.
Might have to also pull this myself. Could I upgrade my CSP to a CSR after I get the sign up bonus?
Really hope that sticks around until July.