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re: Credit Card Rewards and Points Discussion
Posted on 2/11/17 at 4:23 pm to AmeriKop45
Posted on 2/11/17 at 4:23 pm to AmeriKop45
Me - PRG, Green, Gold and BCE
Wife - PRG, Green, Gold and BCE is still under review. Not showing on application status site tho so I'm not hopeful.
Wife - PRG, Green, Gold and BCE is still under review. Not showing on application status site tho so I'm not hopeful.
1
Posted on 2/13/17 at 11:18 am to HollierThanThou
Question. I just got 2 new sw cards. Need to spend 10k pretty quick to book some flights. My house payment is 1600 a month is there a good way to buy a 1600 prepaid card so I can pay my mortgage with it and get the points? Thanks
Posted on 2/13/17 at 12:08 pm to bayoubengals88
My usual advice.
Instead of paying a fee to pay mortgage in advance, just go to your local grocery store and buy their gift cards at no fee and pay your groceries in advance.
Instead of paying a fee to pay mortgage in advance, just go to your local grocery store and buy their gift cards at no fee and pay your groceries in advance.
Posted on 2/13/17 at 12:12 pm to AmeriKop45
quote:
Its not. Can't say anything is tbh.
I'm back on the market after getting through home and car purchases, etc. My wife is at 5/24 now that she got CSR, and I said, forget it, I'll never be that low and will just go gung ho.
I keep wanting to look at Amex but I create URs so fast I almost don't see the point, not to mention lifetime rules and devaluations, it is probably better to apply when I need them. I ended up going for Flexperks and Merril Lynch.
I have to cancel my Arrival and Cap One no fees to reset them for abuse down the road. Now that my credit has aged a bit more I think I'm good to dump them, keeping my wife's no fee Arrival open for CHIP and PIN for overseas. I of course, apply for the fee version and downgrade.
This post was edited on 2/13/17 at 12:16 pm
Posted on 2/13/17 at 12:17 pm to Teddy Ruxpin
quote:
I keep wanting to look at Amex but I create URs so fast I almost don't see the point. I ended up going for Flexperks and Merril Lynch.
Are you a Merril Lynch customer? I wanted this card but I was just declined. It went pending review and I called recon. The crazy CR complemented me on my credit file and score but said they can't approve because I have "too much" available credit. What a joke. I hung up and applied for three more BofA cards and was instantly approved. (Wanted that Merrill Lynch though
)
Posted on 2/13/17 at 12:50 pm to Teddy Ruxpin
quote:
I keep wanting to look at Amex but I create URs so fast I almost don't see the point, not to mention lifetime rules and devaluations, it is probably better to apply when I need them. I ended up going for Flexperks and Merril Lynch.
I hear you. But more and more I am starting to see CSR as fixed value redemption ops. When there is no awards available, I look to UR to book. These days almost everytime I am coming out ahead booking through portal (bec I fly Economy). My fight to SIN cost me $885 per person and the routing is so perfect. Flying out of my regional airport and back (UA + ANA). Awards as always, not available. On top of that, I am crediting to SQ Krisflyer for 100% RDMs. So 59K UR got me an RT to SIN (would've been 80K through transfer) AND 21K RDMs. 21K EQMs on SQ too but I could care less about those.
What I am getting at is now I am saving my UR for times like these. All other progs for transfers. Right now incog is awesome. Like I said, quarter million MR op for me from one HP and 3 cards.
This post was edited on 2/13/17 at 12:53 pm
Posted on 2/13/17 at 12:53 pm to AmeriKop45
Any chance Chase will approve 3 cards on the same day?
She wants the Hyatt and IHG and I want her to get the CSR in the branch. I know she's pre-approved for the CSP. She only has a freedom with chase that she's had for 5 years or so
She wants the Hyatt and IHG and I want her to get the CSR in the branch. I know she's pre-approved for the CSP. She only has a freedom with chase that she's had for 5 years or so
Posted on 2/13/17 at 12:55 pm to LSU6262
no. 2/30 rule
Posted on 2/13/17 at 1:07 pm to cmlsu
Not a ML customer but couldn't give up the attempt. I'm pretty good about immediately lowering any limits I get from Card issuers to no more than 10K so that keeps my total credit outstanding from getting absurd. Hopefully it works out.
Posted on 2/13/17 at 1:09 pm to AmeriKop45
With CSR 1.5 those redemptions aren't looking bad at all. But since my wife can't travel internationally more than once a year I don't really have problems gaining the points for Biz class and having points remaining. I'm already good for Africa and will probably try to find a Korean 40k offer (I used to get these ALL the time) to save some URs if I can make that option work.
Still have 190k American for one ways if need be too.
Still have 190k American for one ways if need be too.
Posted on 2/13/17 at 3:40 pm to Teddy Ruxpin
Hit the Citi AA no 24 month language link for 60K and then again in 8 days for another 60K while you still can. Easy 120K AA. Thanks to all kinds of loopholes from Citi and some help from Barclay I'm sitting at lose to 0.5M AA. This is after I used about 150K in 2016 
Posted on 2/13/17 at 4:18 pm to AmeriKop45
quote:
Hit the Citi AA no 24 month language link for 60K and then again in 8 days for another 60K while you still can. Easy 120K AA. Thanks to all kinds of loopholes from Citi and some help from Barclay I'm sitting at lose to 0.5M AA. This is after I used about 150K in 2016
Ya why not right?
Posted on 2/13/17 at 5:24 pm to Teddy Ruxpin
Exactly
Posted on 2/14/17 at 8:49 am to AmeriKop45
Does anyone know of a gas station that sells Amazon GCs in a denomination higher than $25? I need about $3K.
This post was edited on 2/14/17 at 8:50 am
Posted on 2/14/17 at 9:32 am to AmeriKop45
quote:
Does anyone know of a gas station that sells Amazon GCs in a denomination higher than $25? I need about $3K.
Someone is going to be doing lots of little trips to get that Freedom bonus complete.
I'll let you know if I run into one.
Posted on 2/14/17 at 11:11 am to Teddy Ruxpin
Haha. No way I do this. I actually need to make 2 AirBnB bookings that are worth about $5k in total.
My plan was to buy Amazin GCs at Gas station for 5x, then buy AirBnB GCs on Amazon for 3x Jet Blue then book the place through delta for 3x Delta. But if the highest I can find is $25, I will not go around buying 100+ GCs and then load them onto my account. 2nd option is Office Max with Ink+. Wonder what is the max that they sell. Also I like to ease up on Ink whenever I can. Not really sure this qualifies as MS though.
My plan was to buy Amazin GCs at Gas station for 5x, then buy AirBnB GCs on Amazon for 3x Jet Blue then book the place through delta for 3x Delta. But if the highest I can find is $25, I will not go around buying 100+ GCs and then load them onto my account. 2nd option is Office Max with Ink+. Wonder what is the max that they sell. Also I like to ease up on Ink whenever I can. Not really sure this qualifies as MS though.
This post was edited on 2/14/17 at 11:12 am
Posted on 2/14/17 at 11:42 am to AmeriKop45
quote:
Wonder what is the max that they sell.
They definitely sell upwards of $100. It may be higher to $500, but I can't recall. $100 though is definite.
Though, it really isn't as much of an issue to grab multiple 100s
This post was edited on 2/14/17 at 11:43 am
Posted on 2/14/17 at 2:38 pm to Teddy Ruxpin
I just got my Chase Hyatt card and if I ad wife as authorized user I get 5k bonus points. Plan is for her to get her own Hyatt card at end of this year. Will adding her on my account screw up her being able to get her own card later? Get her card on my account now and cancel in a couple months? Leave it open? Thanks for info.
Posted on 2/14/17 at 5:35 pm to Hankg
It will not "count against her"
However, it will add an open account to her credit report and therefore, future cards from Chase may be an issue. With exceptions, they will not approve a card if it will be your 6th open card account in the last 24 months, regardless of what bank the account was opened with.
However, it will add an open account to her credit report and therefore, future cards from Chase may be an issue. With exceptions, they will not approve a card if it will be your 6th open card account in the last 24 months, regardless of what bank the account was opened with.
This post was edited on 2/14/17 at 5:37 pm
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