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re: Credit Card Rewards and Points Discussion
Posted on 3/26/15 at 3:42 pm to htownjeep
Posted on 3/26/15 at 3:42 pm to htownjeep
This is all soo complex to me but I need to get on this crazy ride yall are on.
Me and my wife are debit card only users. I know we are missing out on so many benefits but we both have no idea where to start.
I enjoy reading this thread as so many of you are highly informed on this topic.
I wish one of Yall would post a guide for beginners on how to get started with all of this.
Also a question about these multiple card combos...
Say you have $6k a month in expenditures and yall seem to carry 6 different cards on yall. How are you dividing these purchases on the cards and building these big time points?
Yall must spend $30k a month..
Me and my wife are debit card only users. I know we are missing out on so many benefits but we both have no idea where to start.
I enjoy reading this thread as so many of you are highly informed on this topic.
I wish one of Yall would post a guide for beginners on how to get started with all of this.
Also a question about these multiple card combos...
Say you have $6k a month in expenditures and yall seem to carry 6 different cards on yall. How are you dividing these purchases on the cards and building these big time points?
Yall must spend $30k a month..
3
Posted on 3/26/15 at 3:45 pm to geauxcats10
You can have 10 different cards and only use 1 if you want. You don't have to put much if anything on every card you own.
Posted on 3/26/15 at 3:50 pm to TigerTatorTots
?????
Now I'm even more confused
Now I'm even more confused
Posted on 3/26/15 at 3:51 pm to geauxcats10
quote:I've never got 6 new cards at once. The most I've ever had was I had 1 new card one month and got two more cards the next month. But it wasn't that hard to do at the time.
Say you have $6k a month in expenditures and yall seem to carry 6 different cards on yall. How are you dividing these purchases on the cards and building these big time points?
Posted on 3/26/15 at 3:53 pm to geauxcats10
quote:You are asking how we get the spend threshold on cards so fast in order to get the bonuses?
Now I'm even more confused
Posted on 3/26/15 at 4:29 pm to htownjeep
quote:
htownjeep
Got it.
Posted on 3/26/15 at 4:32 pm to geauxcats10
It's mostly about the signup bonus. Some of us are creative and some of us are fortunate to have business expenses to put on cards.
Posted on 3/26/15 at 6:07 pm to VABuckeye
Got a 40k Korean Air sign up bonus Offer.
15k at first purchase and 25k after 3k in 120 days. So easy to hit.
Hawaii is 50k so it's tempting to bank these for future use. US Bank issues so that shoukd be easy as I have nothing with them.
What yall think. I'm googling their usual offer.
Eta: looks like 15k is the usual
15k at first purchase and 25k after 3k in 120 days. So easy to hit.
Hawaii is 50k so it's tempting to bank these for future use. US Bank issues so that shoukd be easy as I have nothing with them.
What yall think. I'm googling their usual offer.
Eta: looks like 15k is the usual
This post was edited on 3/26/15 at 6:11 pm
Posted on 3/26/15 at 6:16 pm to Teddy Ruxpin
That is definitely a good offer. I would jump on it if didn't have so many recent apps.
By the way, I successfully got the 80,000 point ihg offer for both my wife and myself by sending chase a message. We initially applied under the 70,000 point offer.
By the way, where do you guys normally find $500 visa that accept cc as payment?
By the way, I successfully got the 80,000 point ihg offer for both my wife and myself by sending chase a message. We initially applied under the 70,000 point offer.
By the way, where do you guys normally find $500 visa that accept cc as payment?
This post was edited on 3/26/15 at 6:17 pm
Posted on 3/26/15 at 6:48 pm to GeauxTigers777
I just got me and the wife the ihg card. I will be sending a SM to see if I can get the 80k instead of 70k
Posted on 3/26/15 at 8:46 pm to Teddy Ruxpin
quote:
Got a 40k Korean Air sign up bonus Offer.
I got it in snail mail too. I tore mine up. Should I not have done that
Ok. I took it out of trash just in case. Signup till May 31.
Annual fee?
This post was edited on 3/26/15 at 10:04 pm
Posted on 3/26/15 at 10:35 pm to LSUAfro
Ya I'm thinking about it. They have me intrigued. I'll think about it for sure. I think the usual hangup was the signup bonus was a waste of time, but this is different. I'll have to look for the fee
Posted on 3/27/15 at 7:43 am to LSUAfro
quote:Glad I could help. Email said you had 72 hours to redeem and I got the email around 10:30 yesterday morning just fyi.
htownjeep
Got it.
Posted on 3/27/15 at 10:26 am to Teddy Ruxpin
Skypass Visa Signature
Looks like it's $80.
Here's my problem with USbank that I learned with my wife's Club Carlson card, I signed her up for the Visa Signature card and they actually sent her the regular Visa card. About 20k points less on a signup bonus. They choose your card for you. She has a >750 score and plenty of income. That aggravated me. Came with a $1k credit limit and I had to spend $1,500 to get the 65k point signup bonus. Couldn't buy more than 1 $500 GC at a time. Dumb.
This Skypass Visa Signature has a regular card too that comes with a 5k point bonus if you're not approved for the signature.
Am I reading the award chart correctly? 45k RT US to Hawaii in Biz? Looks like only major hubs can be used for routing? Might require Avios positioning to DFW.
Looks like it's $80.
Here's my problem with USbank that I learned with my wife's Club Carlson card, I signed her up for the Visa Signature card and they actually sent her the regular Visa card. About 20k points less on a signup bonus. They choose your card for you. She has a >750 score and plenty of income. That aggravated me. Came with a $1k credit limit and I had to spend $1,500 to get the 65k point signup bonus. Couldn't buy more than 1 $500 GC at a time. Dumb.
This Skypass Visa Signature has a regular card too that comes with a 5k point bonus if you're not approved for the signature.
Am I reading the award chart correctly? 45k RT US to Hawaii in Biz? Looks like only major hubs can be used for routing? Might require Avios positioning to DFW.
This post was edited on 3/27/15 at 10:46 am
Posted on 3/27/15 at 10:27 am to htownjeep
quote:Yep. Thanks. Basically saved the taxes for me on a $300 room. I'll take it.
Glad I could help. Email said you had 72 hours to redeem and I got the email around 10:30 yesterday morning just fyi.
Posted on 3/27/15 at 10:31 am to LSUAfro
Also, for those wondering, the USAirways card is still available till the 17 on this link I think.
LINK
My wife did not get approved for her "pending" application. Good news is that they didn't even pull her credit. She was declined for "already utilizing the product". So strange considering we both have it and she applied only a couple weeks after me.
LINK
My wife did not get approved for her "pending" application. Good news is that they didn't even pull her credit. She was declined for "already utilizing the product". So strange considering we both have it and she applied only a couple weeks after me.
Posted on 3/27/15 at 12:29 pm to LSUAfro
Will that app really be active til then?
I ask because it was posted on a blog they won't be up that long (taken down tomorrow) but you could start an app, not complete it, and then have an email sent to you to complete it later, thereby extending the deadline.
I couldn't figure out how to do that and I really need to have it extended to the 17th at the least, since that's the day I close.
I'll be very busy tomorrow so I'd like to figure this out
I ask because it was posted on a blog they won't be up that long (taken down tomorrow) but you could start an app, not complete it, and then have an email sent to you to complete it later, thereby extending the deadline.
I couldn't figure out how to do that and I really need to have it extended to the 17th at the least, since that's the day I close.
I'll be very busy tomorrow so I'd like to figure this out
This post was edited on 3/27/15 at 12:32 pm
Posted on 3/27/15 at 1:26 pm to LSUAfro
Where do you normally buy your $500 gift cards?
Posted on 3/27/15 at 2:00 pm to Teddy Ruxpin
quote:
Will that app really be active til then?
I believe that is what I read in the email, but I can't find anything to verify that.
quote:That would be nice
I couldn't figure out how to do that and I really need to have it extended to the 17th at the least, since that's the day I close.
. The nice thing about applying is the only downside is no approval. No credit pull if they deny you for already having card.Posted on 3/27/15 at 2:00 pm to GeauxTigers777
quote:CVS or Winn Dixie.
Where do you normally buy your $500 gift cards?
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