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re: Credit Card Rewards and Points Discussion

Posted on 7/27/17 at 7:46 am to
Posted by GenesChin
The Promise Land
Member since Feb 2012
37706 posts
Posted on 7/27/17 at 7:46 am to
quote:

$10 per day with unlimited use and you only pay on days that you use it.


If you are going to Japan, the safer bet is to go with the pocket wifi. It is both cheaper + likely to have the correct cell tower bands for Japan

Posted by Joshjrn
Baton Rouge
Member since Dec 2008
27062 posts
Posted on 7/27/17 at 10:32 am to
quote:

You end up splurging for the club room?


I did. Some rando on the internet talked me into it
Posted by rintintin
Life is Life
Member since Nov 2008
16175 posts
Posted on 7/27/17 at 10:43 am to
quote:

AT&T now has a daily international plan. $10 per day with unlimited use and you only pay on days that you use it. You don't have to purchase the monthly Passport Plan anymore without the severely restricted use.


Verizon has the same, but I passed on it and just bought a local sim card when I went to Spain. So glad I did because it saved me $175.

$10/day for 3 weeks would've ran me $210. I paid $20 for a pre-loaded sim card, then another $15 to reload it later on.

The only downfall is it changes your number. That didn't matter to me though because I mainly wanted internet and I communicated with WhatsApp.
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35525 posts
Posted on 7/27/17 at 11:56 am to
Did you use it every day? On a day in a city I probably wouldn't feel the need to have service on my phone when walking around. I could use the hotel wifi and check in for free with work and family. I'd really only use it if necessary.
Posted by GenesChin
The Promise Land
Member since Feb 2012
37706 posts
Posted on 7/27/17 at 12:11 pm to
quote:


I did. Some rando on the internet talked me into it


You'll be glad you did. I had to stay in the standard room when clubs had booked up once. Doesn't even feel like the same hotel. Specifically, the bathroom is top notch.

Other fun notes, there is a 7-11 underneath the hotel that I want to say is open 24-7 or at least very late.

The lounge has a great simple breakfast spread. That said, if you want to spend money the lobby restaurant's buffet is incredible

This post was edited on 7/27/17 at 12:14 pm
Posted by AmeriKop45
Coach, Wing Tip Seat
Member since Jan 2016
2102 posts
Posted on 7/27/17 at 1:51 pm to
Not sure why yall dont just buy a local sim when you land? It is dirt cheap abroad. I paid $15 for 10 gigs of LTE, unlimited talk and text for over 2 weeks in Indonesia recently. And its not just asia. Its 5 euro for 3 gigs in europe.
Posted by rintintin
Life is Life
Member since Nov 2008
16175 posts
Posted on 7/27/17 at 2:36 pm to
quote:

Did you use it every day? On a day in a city I probably wouldn't feel the need to have service on my phone when walking around. I could use the hotel wifi and check in for free with work and family. I'd really only use it if necessary.


Absolutely. I would've been lost without Google maps. I was also streaming Spotify in my rental car, talking on WhatsApp daily, using Google translate, looking for things to do, booking rooms, etc.

I really needed the data.
Posted by GenesChin
The Promise Land
Member since Feb 2012
37706 posts
Posted on 7/27/17 at 3:43 pm to
quote:


Not sure why yall dont just buy a local sim when you land?


Sim cards for Tokyo are slightly more expensive and comes with some downsides compared to pocket wifi

Pocketwifi is a mobile hotspot that typically has faster LTE, runs slightly cheaper and you can connect multiple devices to it.


Most providers now offer wifi calling, so you can retain your US phone # as well
This post was edited on 7/27/17 at 3:44 pm
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35525 posts
Posted on 7/27/17 at 4:27 pm to
Lol. No you didn't.
Posted by rintintin
Life is Life
Member since Nov 2008
16175 posts
Posted on 7/27/17 at 6:17 pm to
I'll also note I was by myself so I was much more dependent on my phone.
Posted by Sho Nuff
Oahu
Member since Feb 2009
11915 posts
Posted on 7/27/17 at 8:32 pm to
One of the things I like about TMO the most, I travel internationally fairly often and data and texting are free and I can call back to the US for $.20/min. I never seem to need to make local calls in whatever country so it's never been an issue.
Posted by BlackenedOut
The Big Sleazy
Member since Feb 2011
5803 posts
Posted on 7/28/17 at 12:41 pm to
Can anyone answer this, I think I know the answer but want to check.

If you have ABC, LLC and someone has a business card attached to ABC, LLC (say the Chase Ink Business), could another person open same account and still get the sign up bonus? Or is the sign up bonus tagged to particular business?

I think its the former, but want to check.
Posted by Teddy Ruxpin
Member since Oct 2006
39577 posts
Posted on 7/28/17 at 1:02 pm to
Probably depends on how they apply. If they used the EIN, which I assume they did, then another application using that EIN isn't getting the bonus.

But say some one uses "ABC", states they are a sole proprietorship, and uses their SSN, then they probably would.
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35525 posts
Posted on 7/28/17 at 1:04 pm to
I'll add that lying on the application is never a good idea. Great way to get blacklisted.
Posted by BlackenedOut
The Big Sleazy
Member since Feb 2011
5803 posts
Posted on 7/28/17 at 1:54 pm to
Yes the EIN is what was used for original application. So you think the bonus is tied to a particular EIN and not the individual getting the card?

Posted by Teddy Ruxpin
Member since Oct 2006
39577 posts
Posted on 7/28/17 at 2:03 pm to
quote:

So you think the bonus is tied to a particular EIN and not the individual getting the card?


I would assume so because business cards will have its own credit report separate from the individual.

But as VABuckeye noted, I would think you are taking a risk that they figure out the ruse if too much info matches up and they put two and two together.
Posted by BlackenedOut
The Big Sleazy
Member since Feb 2011
5803 posts
Posted on 7/28/17 at 2:16 pm to
Nothing nefarious going on. Just two people who own an LLC and seeing if one can get a card the other has gotten for business purposes.
Posted by Teddy Ruxpin
Member since Oct 2006
39577 posts
Posted on 7/28/17 at 3:23 pm to
Forgot to mention.

Which Chase Ink card do they have?

Bold and Plus were separate products so if they applied for Ink Preferred now they could earn the bonus.
Posted by highcotton2
Alabama
Member since Feb 2010
9400 posts
Posted on 7/28/17 at 10:03 pm to
Never thought about it before but credit card cash back is not taxable. I farm for a living and the company I buy my inputs from do not offer a cash discount but also do not charge extra for credit card purchases. I got the Citi double cash card and it pays 2% back on all purchases with no limits on cash back. I can charge a couple hundred thousand on it throughout the year and then get a check from them at the end of the year that does not count as income. This is a great deal if you are self employed.
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35525 posts
Posted on 7/29/17 at 6:08 am to
Or use a card that produces UR points or miles and potentially get more than a .02 return if you're a traveler.
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