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 LightningSan Diego Padres

    Amex Gold has 90k sign up bonuses floating around.
     
  2. 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

    I’m working on the Venture X bonus right now, but like it so far. Hertz President Circle, Priority Pass, $300 travel credit, Global Entry/Precheck reimbursement, plus 2x on all purchases. It’s a really solid premium card.

    Here’s my Venture X referral link: https://capital.one/3wu90nt
     
    Baby Boy likes this.
  3. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    Used your referral and approved. Ty.

    Hopefully someone will keep me in mind for a referral soon. I've always used TMB referrals here to help.
     
    WC likes this.
  4. Lip

    Lip Well-Known Member
    Donor
    Michigan State SpartansDetroit LionsGeorge Washington Colonials

    Did me dirty from one post before yours. No soup for you!
     
    Baby Boy likes this.
  5. 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

    We will all Venture X together!
     
  6. GoodForAnother

    GoodForAnother I’d rather be down the allotment
    Staff Donor TMB OG
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsSporting Kansas CityTottenham HotspurBig 8 ConferenceBig 12 ConferenceCoors LightFormula 1

    get a Scott’s cheap flights membership and then use chase UR to book the flights when you see them. let the deals plan your destination and dates, instead of starting with a destination and hoping for a deal. we have been never paid more than $550 or the equivalent UR number for any of our trips.
     
    C A N E, Lyrtch and WC like this.
  7. Lip

    Lip Well-Known Member
    Donor
    Michigan State SpartansDetroit LionsGeorge Washington Colonials

    do you get direct flights? Everything I end up seeing has stops.
     
  8. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    I’d imagine that largely depends on whether you live in a city that has a major carrier’s hub.
     
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  9. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    My bad. Apologies. Didn't mean to.
     
    Lip likes this.
  10. GoodForAnother

    GoodForAnother I’d rather be down the allotment
    Staff Donor TMB OG
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsSporting Kansas CityTottenham HotspurBig 8 ConferenceBig 12 ConferenceCoors LightFormula 1

    it depends on which city you’re in but I live in KC so stops are kinda the name of the game anyway. I follow multiple airports and often can save money by booking the trip from somewhere else and then booking a separate domestic flight to get to that airport
     
    Lip and BellottiBold like this.
  11. Lip

    Lip Well-Known Member
    Donor
    Michigan State SpartansDetroit LionsGeorge Washington Colonials

    I monitored the three DC airports quite a bit, but always ended up frustrated. I’ll try again.
     
  12. BellottiBold

    Donor
    Oregon Ducks

    Where are you trying to go Lip ?
     
  13. Lip

    Lip Well-Known Member
    Donor
    Michigan State SpartansDetroit LionsGeorge Washington Colonials

    Germany was my hope, but generally just scanning good euro deals
     
    BellottiBold likes this.
  14. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    add NY/Boston/Philly/etc to the list since those are easy airports to get to from DC
     
    BellottiBold likes this.
  15. C A N E

    C A N E Let justice be done though the heavens fall
    Donor
    Miami HurricanesMiami Heat

    Something I’ve always been meaning to do. They have a referral program?
     
  16. BellottiBold

    Donor
    Oregon Ducks

    On the more proactive tip, you can try your luck stumbling across something appealing using ITA Matrix. This is the software google flights runs on, but this interface is far more powerful (there's a bit of a learning curve too.)
    What's great about it is that you can do multi origin/destination searches and you can browse price calendars instead of searching specific dates. It will time out if you make things too broad (too many possible destinations for instance) but, for example, you can see every option from either IAD or DCA to say 4 different Euro gateways for a given month. You can also apply advanced filters to limit results to particular airlines and even alliances, if mileage accrual/benefits are a thing. (There are a ton of filtering options related to fare buckets, service classes, layover prefs...)
     
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  17. 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

    They do have a referral, but I don’t want to steal it from GoodForAnother . If he doesn’t have one I can pass mine along tho.
     
  18. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Anybody got the Amex Marriott Bonvoy with the 50k free annual night? Got a question about when to expect the free annual night to post to the Marriott account.

    Card was opened 4/3/21. Have had statements post on 4/6/22 and 5/6/22 (this one included the $450 annual fee). It's now 5/25, I thought surely the free night would be in my account by now but it hasn't shown up yet.
     
  19. BellottiBold

    Donor
    Oregon Ducks

    I don't have it but I've been considering getting it. The current terms say:
     
    TAS likes this.
  20. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Yeah I've read that but no way it can't take that long, right? The 35k free night from Chase posts the day of your anniversary.
     
  21. BellottiBold

    Donor
    Oregon Ducks

    You could try pestering them in chat and see if you can shake it loose? lol
     
    TAS likes this.
  22. DuffandMuff

    DuffandMuff Well-Known Member
    Tampa Bay LightningSan Diego Padres

    Not much of a useful data point, but my annual free night with Chase Hyatt took over a month to show up. Closer to two IIRC.
     
    TAS likes this.
  23. GoodForAnother

    GoodForAnother I’d rather be down the allotment
    Staff Donor TMB OG
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsSporting Kansas CityTottenham HotspurBig 8 ConferenceBig 12 ConferenceCoors LightFormula 1

    WC likes this.
  24. GoodForAnother

    GoodForAnother I’d rather be down the allotment
    Staff Donor TMB OG
    Kansas State WildcatsKansas City RoyalsKansas City ChiefsSporting Kansas CityTottenham HotspurBig 8 ConferenceBig 12 ConferenceCoors LightFormula 1

    If you’re in DC I would add the NY airports to your monitoring list on their site. There are constant Europe deals out of NYC and it’s an easy train ride for you.

    me and EMAW FC and Name P. Redacted are going to Oktoberfest this year and got RT to Berlin on United for $500ish out of Newark, then using SWA points to get there the night before and pairing a night in NYC with the trip. later we were able to move our return trip from Salzburg back to KC because of another United sale.
     
  25. Lip

    Lip Well-Known Member
    Donor
    Michigan State SpartansDetroit LionsGeorge Washington Colonials

    Wow - now you’re above stealing referrals
     
  26. 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

    Don’t get sassy because the guy you quoted didn’t do you right
     
  27. EMAW FC

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

    i got u
     
    Lip likes this.
  28. LSU90

    LSU90 Well-Known Member

    Due up for another card. Cant do Amex platinum or CSR/CSP. VentureX 100k is gone so figure I should wait till something like that shows up again to blow my load. Should I just scooped anothe Chase Ink Cash for 75k and see where we are again in two months or is there something out there right now that is very appealing?
     
    The_Baumer likes this.
  29. Tommy Callahan

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

    Got a retention offer for 400 bucks after 3k in spend on platinum. I don’t think I can get one every year but this is not my first year getting one either
     
    Whammy and BellottiBold like this.
  30. racer

    racer Yuma, where I work in software.
    Donor
    Iowa HawkeyesKansas City ChiefsLas Vegas Golden KnightsWatfordOlympicsFormula 1

    Is anyone a diner’s club member? I see it occasionally on card acceptance signs and I always wonder who actually has one of those.
     
  31. Jimmy the Saint

    Jimmy the Saint The future is a benevolent black hole
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

    People in 1987.
     
    Goose, Hatfield, Lip and 5 others like this.
  32. C A N E

    C A N E Let justice be done though the heavens fall
    Donor
    Miami HurricanesMiami Heat

    Currently having a strangely good lounge experience in Liberia, CR airport. Beer is self serve. Food is good. This is their smaller airport too. Easily better than the MIA Centurion lounge.
     
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  33. EMAW FC

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

    I had one for like 4 months in 2011 when I started work but they quickly switched our corp card program to Amex
     
    Lip and racer like this.
  34. Where Eagles Dare

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

    Anyone know if you can hold more than 1 Delta branded Amex? Trying to get some flights for free in December. I have a delta plat amex. I've had it for a long time. Gold has a 60k mile bonus for 99 AF.
     
  35. Where Eagles Dare

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

    Well Amex just gave me a 150k platinum offer when I went to pay my bill, so I guess that's what I'm going with.

    Time to downgrade the CSR.
     
    BellottiBold likes this.
  36. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    you can have all of them
     
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  37. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    have a plat and a reserve right now delta branded

    this reminds me i need to see if they'll give me a retention offer on my regular amex plat, wife is arguing we should keep two regular amex plats which is...sus

    edit: 40k pts for 3k spend in 3 months. ez.
     
    #14187 Lyrtch, Jun 6, 2022
    Last edited: Jun 6, 2022
    BellottiBold likes this.
  38. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    What is that part about? Also figured out why I wasn't approved for the CSP. I didn't know I had a plain Chase Sapphire card open sitting around doing nothing. Guess I just close it? And wait until a strong offer for CSP sign up bonus comes along again since I'm working on the Venture X rn?
     
  39. BellottiBold

    Donor
    Oregon Ducks

    What's the conventional wisdom on when to hit them up about that? My AF hits later this month
     
  40. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    after it shows in your account
     
    BellottiBold likes this.
  41. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    For Amex, you have 30 days from the statement close date that includes the AF to resolve any annual fee issues. There's some additional hoops you can jump through after that may have a favorable result, but it's best to get it taken care of prior to the 30 days passing
     
    BellottiBold likes this.
  42. Where Eagles Dare

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

    Does Amex Platinum overnight like CSR?
     
  43. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Yes - i've received it via overnight mail in the past + amex allows a virtual account number for you to use in online transactions until you get the physical card.
     
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  44. LSU90

    LSU90 Well-Known Member

    Dont close it if there is no annual fee (for credit score reasons).

    Chase ink cash sign up bonus is 75k chase points.
     
  45. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    But can't you only have one Chase Sapphire card at a time? So what do I do to get rid of this so I can get the CSP bonus when a strong offer comes around again?
     
  46. LSU90

    LSU90 Well-Known Member

    I totally missed the part where you are trying to get a CSP. Then yeah cancel the old sapphire card if thats your goal.
     
    Baby Boy likes this.
  47. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    Step 1: Cancel the sapphire

    Step 2: Make a list of every credit card account you have open and when it was opened. Include any cards you've closed in the last few years as well.

    Step 3: Update the list every time you open/close a card.
     
  48. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    I keep track of everything. I haven't closed cards previously or in years. I've always followed the advice here and changed to a non-af card. I haven't open CCs much the last few years. Just the Venture X two weeks ago. I'll work on it then move on to CSP again so that 48 month clock starts again.
     
    #14198 Baby Boy, Jun 6, 2022
    Last edited: Jun 6, 2022
    TAS likes this.
  49. honestlee

    honestlee Well-Known Member

    You should be able to product change it to a Chase Freedom instead of cancelling it.
     
    Lip and TAS like this.
  50. Baby Boy

    Baby Boy Well-Known Member
    Donor
    Clemson TigersAtlanta BravesCarolina Panthers

    Already have one lol. Just downgraded to it other week.