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re: Credit Card Rewards and Points Discussion

Posted on 5/9/14 at 8:02 am to
Posted by htownjeep
Republic of Texas
Member since Jun 2005
7612 posts
Posted on 5/9/14 at 8:02 am to
quote:

are you saying I could also somehow pay the mortgage of that property and get points?

Absolutely
Posted by Teddy Ruxpin
Member since Oct 2006
39553 posts
Posted on 5/9/14 at 10:06 am to
Figured I'd add another update:

Used Evolve Money to pay my car note. Worked fine.

So that confirms the whole process for me. Nice having a convenient load option that doesn't involve a Walmart run.
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 5/9/14 at 11:02 am to
Did you load gift cards one at a time and it send one lump sum to your lender?
Posted by cmlsu
Baton Rouge, LA
Member since Aug 2011
659 posts
Posted on 5/9/14 at 11:21 am to
quote:

Did you load gift cards one at a time and it send one lump sum to your lender?


I believe there is also a daily limit of $1,000 so if you have a large payment it has to be broken up between days...could be wrong though.
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 5/9/14 at 1:02 pm to
I also read that on Wells Fargo mortgages you need to instruct them to apply payments from Evolve to your monthly balance and not just to principal.
Posted by Teddy Ruxpin
Member since Oct 2006
39553 posts
Posted on 5/9/14 at 1:07 pm to
Two separate $200 payments.

As for mortgages, it sounds like they all go to principal from what I've read. I might try blue birding it and see if that works better since I can make one lump payment.
Posted by LSU Tigershark
10,000 posts
Member since Dec 2007
10543 posts
Posted on 5/11/14 at 9:27 pm to
Where is the best place to find the best deals going on currently? I've seen that the initial offers will vary from time to time and I'm thinking about getting an airline card or perhaps the Chase Sapphire Preferred card, but I want to get the biggest bang for my buck.
Posted by Teddy Ruxpin
Member since Oct 2006
39553 posts
Posted on 5/11/14 at 10:12 pm to
quote:

Where is the best place to find the best deals going on currently?


I usually either peruse the Flytertalk Forums regarding Credit Card Programs or travel/credit card blogs.

They'll post about the newest and greatest within about 5 minutes after one goes live.
Posted by BACONisMEATcandy
Member since Dec 2007
46643 posts
Posted on 5/11/14 at 10:18 pm to
If you want airline miles jump at the AA Citi card offer for 100k (if you can handle the $10,000 spending req in the first 3 months)
Posted by BACONisMEATcandy
Member since Dec 2007
46643 posts
Posted on 5/11/14 at 10:40 pm to
I really do not understand the value of the Mercedes Benz card over the Amex Plat
Posted by LSU Tigershark
10,000 posts
Member since Dec 2007
10543 posts
Posted on 5/11/14 at 11:12 pm to
quote:

if you can handle the $10,000 spending req in the first 3 months)


Sounds nice. Ain't happening
Posted by cmlsu
Baton Rouge, LA
Member since Aug 2011
659 posts
Posted on 5/12/14 at 11:04 am to
quote:

As for mortgages, it sounds like they all go to principal from what I've read. I might try blue birding it and see if that works better since I can make one lump payment.


I bluebird my mortgage every month with a check and no problems...heard horror stories through the online bill pay but no problems with checks.
Posted by Teddy Ruxpin
Member since Oct 2006
39553 posts
Posted on 5/12/14 at 1:15 pm to
Good to know. I just got a stack of bluebird checks so I'll probably go that route.
Posted by CE Tiger
Metairie
Member since Jan 2008
41584 posts
Posted on 5/12/14 at 4:14 pm to
got approved for the chase ink. need to spend $5k in the next 3 months. putting a $1500 vacation on it but dont really have any other big purchases.

any type of home renovating (spray foam, new ac)I can do that would get me a nice tax refund come april?
Posted by VABuckeye
Naples, FL
Member since Dec 2007
35473 posts
Posted on 5/12/14 at 4:18 pm to
Tankless hot water heater.
Posted by Joshjrn
Baton Rouge
Member since Dec 2008
26975 posts
Posted on 5/12/14 at 4:18 pm to
Just stopped by Office Depot in BR. They have Whole Foods gift cards fill able up to $500...

This post was edited on 5/12/14 at 4:22 pm
Posted by Teddy Ruxpin
Member since Oct 2006
39553 posts
Posted on 5/12/14 at 5:35 pm to
quote:

I really do not understand the value of the Mercedes Benz card over the Amex Plat



I don't get the allure of that Benz card either. I think some of these bloggers are getting paid more for that card's referrals than others.
Posted by wizziko
New Jersey Nets Fan
Member since Jan 2006
35881 posts
Posted on 5/14/14 at 9:38 am to
logged into my Barclays account this morning and was greeted with new card design Arrival is now Arrival+

Annual Fee version


Free version


quote:

Barclaycard Arrival Plus now offers:

Chip and signature cards with PIN capability (EMV- Europay, MasterCard and Visa)
Redeem miles for travel statement credits toward any travel purchase made in the last 120 days (increased from 90 days)
Expanded travel statement credit redemption options including buses, timeshares and more
Improved card design that is sleeker, more durable and features a cyan-colored core

Product benefits also include:
40,000 bonus miles when the cardmember spends $3,000 on purchases in the first 90 days of account opening
Earn 2X miles on all purchases
Book the travel you want – airfare, hotels, cruises and more and earn miles on your purchase, then redeem your miles for a travel statement credit
Get 10% miles back, to use toward your next redemption, every time you redeem for travel statement credits

Plus more travel lifestyle benefits:
No foreign transaction fees on purchases outside the United States
Miles don’t expire as long as your account is open, active and in good standing
No mileage caps
Complimentary online FICO® Score access with opt-in email alerts when Barclaycard learns that a cardmember’s score changes, plus a score history chart which tracks cardmember’s score over time
Access to the Barclaycard Travel Community which rewards members with Participation Miles when they share their personal travel stories
Complimentary subscription to TripIt® Pro, the all-in-one travel organizer app – a $49 annual value
$89 annual fee – waived for the first year

As part of the World Elite MasterCard program,
Barclaycard Arrival Plus World Elite MasterCard cardmembers will enjoy access to exclusive benefits like:

Complimentary concierge service – 24/7 assistance to meet your needs, from making hard-to-get reservations to finding special gift items.
World Elite travel services – Includes a suite of premium travel offers, world-class travel advisors and access to truly “Priceless Experiences.”
Built-in travel and purchase protections – Relax with trip cancellation and interruption insurance, auto rental collision damage waiver, purchase security and more.
ID theft helpline – 24/7 access to certified resolution specialists who will notify credit bureau reporting agencies and help you contact creditors, identify other affected accounts and replace impacted credit cards.
Posted by Croacka
Denham Springs
Member since Dec 2008
61441 posts
Posted on 5/14/14 at 9:43 am to
i just got the arrival a month ago


i don't see anything there that would make me want to request the new one

seems like the fee version is almost the same save for a few minor tweaks
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