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. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    I doubt you can pay on two cards, that's usually against the rules. Also, I believe united is the only one you have to use the cards for the perks and they're not just tied to your account. The other major carriers just tie the perks straight to your rewards account. So you're probably out of luck on that
     
    tjosu likes this.
  2. tjosu

    tjosu This is kind of like the breakfast club, huh?
    Donor
    Oklahoma State CowboysHouston AstrosHouston TexansTiger Woods

    I'm thinking you're right based on this in the details; for the free checked bag, it has to be booked using the card. The priority boarding makes no mention of it though. I've actually already got a couple United flights booked for the holidays, I could just get the card and see if the priority boarding gets added through my account

    United.PNG
     
    High Cotton likes this.
  3. ohhaithur

    ohhaithur e-Batman
    Donor

    In marketing we call this A/B testing to test which offer is more appealing

    Less likely answer: the sites with the higher offer have richer audiences. Like Walmart.com gets 40,000/2,000 but rolex.com gets 50,000/3,000
     
    Lyrtch, tjosu and Room 15 like this.
  4. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    Will buying gift cards at Walmart qualify for the 5% on freedom. Will not hit the spend limit naturally on mine and wife’s card.
     
  5. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    It's also 10% off on up to like 350 in purchases with chase pay at Walmart.com until Dec 14
     
  6. pearl

    pearl Fan of: White wimmens feet
    Donor TMB OG
    Southern Mississippi Golden EaglesLos Angeles ChargersAvengersSneakers

    Got a $4k raise on my credit limit yesterday
     
  7. It'sAlwaysSunnyInAthens

    It'sAlwaysSunnyInAthens Well-Known Member
    Donor

    Got random increases on two of mine this week. Weird.
     
    pearl likes this.
  8. ohhaithur

    ohhaithur e-Batman
    Donor

    Nothing is random the biggest shopping week of the year
     
  9. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    I rented a car in Croatia in May and declined the insurance, obviously, because I rented it on my csr

    At some point (I'd have to guess the ferry but I don't really know for sure) the bumper sustained some really minor scratches. Well of course they charge me a lot for it because that's what they do.

    I submitted my claim like 75 days or so after returning and things went pretty smoothly. Then they got the documents in Croatian and it hit like a 2.5 month stall or so where I heard nothing. Shit maybe longer. But today they approved it and my checks on the way. Good shit
     
    High Cotton, Buzz, Volholic16 and 6 others like this.
  10. NoNatty

    NoNatty Keyboard Cowboy
    Donor
    Oregon DucksPortland Trail BlazersSan Francisco 49'ersManchester UnitedPortland Timbers

    Just booked tickets to Kauai for March. Between those and Christmas flights, wife and I ended up saving around $1000 on companion fares with Alaska credit cards.
     
    SmoochieWallace, Lipp, PJP3 and 3 others like this.
  11. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    alaska is an A+ airline, hopefully they keep expanding
     
    NoNatty likes this.
  12. g8r

    g8r Well-Known Member
    Donor
    Florida GatorsBoston Red Sox

    Anyone gonna tell me if this will work or not?
     
  13. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Any purchase at Walmart will qualify.
     
  14. NoNatty

    NoNatty Keyboard Cowboy
    Donor
    Oregon DucksPortland Trail BlazersSan Francisco 49'ersManchester UnitedPortland Timbers

    I somehow missed a payment on my chase freedom by a day (I usually get a reminder email but it never came). If I call today is and explain is there any chance it won’t be reported to credit agencies?
     
  15. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    A one day late payment won't show up on your credit report. You'll just have to pay whatever the fees are on it. I don't know if calling them will help with that
     
    NoNatty likes this.
  16. ohhaithur

    ohhaithur e-Batman
    Donor

    It won't hurt your credit but why isn't it automatic?
     
    NoNatty likes this.
  17. EMAW FC

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

    i've called before to get them to forgive the fee

    as long as you aren't a habitual line-stepper
     
    Anison, Lipp, NoNatty and 1 other person like this.
  18. NoNatty

    NoNatty Keyboard Cowboy
    Donor
    Oregon DucksPortland Trail BlazersSan Francisco 49'ersManchester UnitedPortland Timbers

    Because I’m an idiot.
     
    ohhaithur likes this.
  19. NoNatty

    NoNatty Keyboard Cowboy
    Donor
    Oregon DucksPortland Trail BlazersSan Francisco 49'ersManchester UnitedPortland Timbers

    Really?
     
  20. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Really. They usually don't get reported to bureaus if they're under 30 days late, one day never does
     
  21. EMAW FC

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

    confirmed
     
    NoNatty likes this.
  22. C A N E

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

  23. ohhaithur

    ohhaithur e-Batman
    Donor

    Anyone get the Wyndham card? 60,000 points is four free nights in an all inclusive
     
  24. C A N E

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

    Is there a 60k link? Didn’t pull the trigger on the 45k yet
     
  25. ohhaithur

    ohhaithur e-Batman
    Donor

    45 but you get 9,000 platinum bonus, 6,000 anniversary spend and minimum spend is four nights for two years
     
    C A N E likes this.
  26. C A N E

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

    Just applied for the Jetblue card from Barclays and wasn't auto approved. I'm probably like 12/24 at this point. Going to try Wyndham now.
     
  27. ohhaithur

    ohhaithur e-Batman
    Donor

    I got rejected
     
  28. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Barclays is cracking down on shit.
     
  29. C A N E

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

    Not denied, but 5-10 days. I'll have the lady try later.
     
  30. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Sounds like Barclays is enforcing 4 active cards rule..
     
  31. C A N E

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

    Seen on Reddit some dudes have waaaay over that and got approved automatically for the Wyndham, but not the JetBlue. Wanted to use JetBlue to get to Mexico and the Wyndham for the all inclusive :fap:
     
  32. ohhaithur

    ohhaithur e-Batman
    Donor

    Check the status page. I got that originally then denied in seconds
     
  33. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    I had 4 Barclays cards & had to wait for the JB to be approved - got the 5-10 day message upon submitting the app but then got approved with a shitty credit limit.
     
  34. C A N E

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

    Still pending for both :pray:

    How many accounts do you have total and with them?
     
  35. ohhaithur

    ohhaithur e-Batman
    Donor

    1 with little action, which hurt me

    17/24
     
  36. C A N E

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

    Got approved for JetBlue. Still waiting on Wyndham
     
    pratyk likes this.
  37. C A N E

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

    Got the Wyndham card. Called me to reallocate some credit limit. :blessed:
     
    ohhaithur likes this.
  38. Sportfan

    Sportfan From Six to Dumptime
    San Antonio SpursHouston TexansNew Mexico State AggiesTexas AandM Aggies

    Got in a bad wreck in a rental car yesterday. Used my Sapphire Reserve when getting the car, about to see what they can hook up. However the car was going to be paid by Geico.

    Read some good cases online, anyone have experience with this?

    I wasn’t at fault, but enterprise wants my Geico deductible to give me another car. Takes like 4-6 weeks for the insurance companies to settle this stuff apparently.
     
  39. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

     
    Sportfan likes this.
  40. Sportfan

    Sportfan From Six to Dumptime
    San Antonio SpursHouston TexansNew Mexico State AggiesTexas AandM Aggies

    I did remember your story, did you pay out of pocket first? Assuming yes, you said they charged you but I imagine that means they billed the card?

    Right now I owe enterprise my $1,000 Geico collision deduction until the case is settled. On the line with Chase to see if I qualify or not.
     
  41. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    Chase sends you to eclaimsline.com to submit all the paper work and shit

    I had to pay the Croatian people at the agency so I put it on my card there
     
    Sportfan likes this.
  42. Sportfan

    Sportfan From Six to Dumptime
    San Antonio SpursHouston TexansNew Mexico State AggiesTexas AandM Aggies

    Chase says since I wasn’t going to be paying for the car their coverage doesn’t apply. I used the card for the $50 deposit fee.

    I had the rental through another claim as some asshole hit n run me in a parking garage and my car has been in the shop for weeks.

    They did say if I go and pay for the rental that would qualify. But I know Enterprise would want me to pay for the time and the deductible.

    So I got nowhere but I’m learning some shit.
     
  43. tjsblue

    tjsblue I was right at the time
    Donor

    Knowing is half the battle
     
    Sportfan and ohhaithur like this.
  44. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    For those who haven't seen the chase freedom first quarter is gas stations, cable/internet/phone services, chase pay, Apple pay, Samsung pay, Android pay. Easy one to max out
     
  45. EMAW FC

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

    hell yeah
     
    colonel_forbin likes this.
  46. Det. Frank Bullitt

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

    Just picked up the Alaska visa from BoA.

    $75 annual fee includes $~22 companion ticket in first year then ~$122 for each companion ticket there after.
     
  47. Arkadin

    Arkadin inefficiently efficent and unclearly clear
    Donor

    And 30k points. A first class upgrade one way is only 15k
     
    NoNatty likes this.
  48. EMAW FC

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

    going to vegas over march madness, i booked my SWA flights a long time ago since that is an expensive weekend to fly. added my wife as companion this week, not b/c she's coming but seats are running out and want to save a spot for my dad who will be my companion in march.

    planning to make the companion switch in late Feb after I complete some travel w/ the wife. would it make the most sense to cancel the wife's vegas res, immediately call SWA to make the companion switch, then immediately make the companion res in my dad's name? wanting to make sure between the time i cancel the wife's vegas res and my dad is set up as companion that the vegas flight doesn't sell out.
     
  49. NoNatty

    NoNatty Keyboard Cowboy
    Donor
    Oregon DucksPortland Trail BlazersSan Francisco 49'ersManchester UnitedPortland Timbers

    should have let me known, could have gotten you another 5k on referral.
     
    Det. Frank Bullitt likes this.
  50. Beachy Toast

    Beachy Toast He wants you too, Malachi.
    Donor
    Chicago White SoxChicago BearsChicago BlackhawksKansas State WildcatsMontreal Impact

    :chatzy: