Question for you guys that jump on these Credit Card Promotions | Page 4 | TigerDroppings.com
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Lsut81
USA Fan
Member since Jun 2005
65732 posts

re: Question for you guys that jump on these Credit Card Promotions

quote:

I got an invite in the mail to sign up for a Visa Black Card. Didn't know what it was, went to the web site and it mentioned a $495 annual fee.


Yeah, I got the same... After looking at it, I really don't think I'd see the benefit. Its got a lot of cool stuff if you are traveling non stop for work (access to 3k VIP lounges in airports and the likes), but that is about it.


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42651 posts

re: Question for you guys that jump on these Credit Card Promotions
quote:

After looking at it, I really don't think I'd see the benefit. Its got a lot of cool stuff if you are traveling non stop for work (access to 3k VIP lounges in airports and the likes), but that is about it.


I just read what the "benefits" are. Wow... What a rip off

If you want a card like that you should get the Amex Platinum.


Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
21222 posts

re: Question for you guys that jump on these Credit Card Promotions
It really is a rather pathetic attempt at tricking folks into believing they are a Hollywood celebrity.

But I imagine it has worked.


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Lsut81
USA Fan
Member since Jun 2005
65732 posts

re: Question for you guys that jump on these Credit Card Promotions
quote:

I just read what the "benefits" are. Wow... What a rip off

If you want a card like that you should get the Amex Platinum.


Yeah, sounded very similar to the Amex platinum and I think the fee on the Amex is about $200 lower if I'm not mistaken.

But I would like to have a metal credit card... Bounce that bitch off of the checkout counter like a


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42651 posts

re: Question for you guys that jump on these Credit Card Promotions
It's not even metal. Its some weird feeling lighter plastic. CSP is metal though

If you really want a metal care the Marriott Rewards Premier Credit Card is metal and only has an $85 annual fee. (waived 1st year)

Amex Platinum is $450 but they give you $200 back with your prefered airline plus access to basically any airline/ airport clubs.

It's not even close.


Lsut81
USA Fan
Member since Jun 2005
65732 posts

re: Question for you guys that jump on these Credit Card Promotions
quote:

CSP is metal though


Hmmm, another reason to jump on with the CSP

quote:

Amex Platinum is $450 but they give you $200 back with your prefered airline plus access to basically any airline/ airport clubs.



Thats the card I really want... But I don't travel enough right now to justify the $450.


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42651 posts

re: Question for you guys that jump on these Credit Card Promotions
Amex won't let you change you Credit Card to a Charge card acct. I tried to switch

Said I would have to apply and then close my open account. I said no thanks and kept my Delta Amex


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42651 posts

re: Question for you guys that jump on these Credit Card Promotions


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Lsut81
USA Fan
Member since Jun 2005
65732 posts

re: Question for you guys that jump on these Credit Card Promotions
quote:

Credit Card to a Charge card acct.


Ok, dumb question...

Difference?


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42651 posts

re: Question for you guys that jump on these Credit Card Promotions
Charge Card are Pay in Full each month and you do not have a external set limit (Amex sets a limit but you do not know it)

Credit Cards have the ability to carry balances month to month and you know your set limit

ETA:

Green, Gold, Platinum, Centurion are all Amex Charge Cards while anything branded with a specific company and their blue sky and blue cash are credit cards
This post was edited on 11/25 at 10:34 am


Lsut81
USA Fan
Member since Jun 2005
65732 posts

re: Question for you guys that jump on these Credit Card Promotions
quote:

Charge Card are Pay in Full each month and you do not have a external set limit (Amex sets a limit but you do not know it)

Credit Cards have the ability to carry balances month to month and you know your set limit


Ah, well I use my Amex Credit Card as a charge card anyways... I never carry over a balance.


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42651 posts

re: Question for you guys that jump on these Credit Card Promotions
I haven't carried a balance since I was in College and dumb. Doesn't make a bit of difference but they will not let you transfer from one to another sadly


Lsut81
USA Fan
Member since Jun 2005
65732 posts

re: Question for you guys that jump on these Credit Card Promotions
quote:

Doesn't make a bit of difference but they will not let you transfer from one to another sadly



Interesting. So can you keep your current Amex CC or are you required to cancel it? If so, what happens to all of your points?


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42651 posts

re: Question for you guys that jump on these Credit Card Promotions
I could keep both but I would have two annual fees

If I canceled all my points would be in my Delta Acct since I have a Delta Amex

It would be hard to lose your points but it can be done if you are not careful (only in certain circumstances )


Lsut81
USA Fan
Member since Jun 2005
65732 posts

re: Question for you guys that jump on these Credit Card Promotions
Any reason to hold out for a better offer from Sapphire Preferred?

Looking at it and I may go with that card. Hell, you basically get a free flight after the first 3 months.


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42651 posts

re: Question for you guys that jump on these Credit Card Promotions
I don't see why you would hold off. Are you going to keep it or churn it? (meaning get rid of it before the annual fee comes due)


Lsut81
USA Fan
Member since Jun 2005
65732 posts

re: Question for you guys that jump on these Credit Card Promotions
quote:

Are you going to keep it or churn it? (meaning get rid of it before the annual fee comes due)


Not sure yet... I guess I would wait and see how quickly I was building up pts with it as opposed to my Amex.

Thoughts? Suggestions?


Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
21222 posts

re: Question for you guys that jump on these Credit Card Promotions
quote:

Thoughts? Suggestions?



My thoughts are if you want the card you should get CSP now because the bonuses available right now aren't going to get better. Get the Freedom as well for another 20,000 points (usually the bonus is 10,000, so again, get it now). You can transfer the points instantly from Freedom to CSP to group them together, netting you at least 60,000 UR points not counting the CSP special bonuses going on right now.
This post was edited on 11/25 at 11:53 am


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42651 posts

re: Question for you guys that jump on these Credit Card Promotions
quote:

My thoughts are if you want the card you should get CSP now because the bonuses available right now aren't going to get better. Get the Freedom as well for another 20,000 points (usually the bonus is 10,000, so again, get it now). You can transfer the points instantly from Freedom to CSP to group them together, netting you at least 60,000 UR points not counting the CSP special bonuses going on right now.


This


Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
21222 posts

re: Question for you guys that jump on these Credit Card Promotions
There is a solid chance I end up applying for another credit card if this thread keeps going.


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