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re: Credit Card Rewards and Points Discussion

Posted on 3/19/15 at 11:41 am to
Posted by VABuckeye
NOVA
Member since Dec 2007
37604 posts
Posted on 3/19/15 at 11:41 am to
One purchase and pay the $89 annual fee and the miles are yours.
Posted by Chaplain
8,000,000 posts
Member since Nov 2009
1150 posts
Posted on 3/19/15 at 12:26 pm to
Thanks.
Posted by JustinTI
New Orleans
Member since Nov 2006
205 posts
Posted on 3/19/15 at 4:47 pm to
quote:

I'd apply ASAP. Like today probably. No telling when it will end, but it won't be long.


+1...And apply even if you already have one and haven't applied for another Barclay card too recently. Barclays pulls from TransUnion - so it basically doesn't matter. Also, you can have multiple cards. I just got my 3rd one, despite the previous 2 still being open. Apparently if your application gets auto approved, the number of cards you have is not a problem. If your application gets reviewed, it will likely be denied for already having the card.
Posted by kywildcatfanone
Wildcat Country!
Member since Oct 2012
130334 posts
Posted on 3/19/15 at 7:21 pm to
I got the Barclay's World Arrival MC last year because of the 2X points on every dollar. I guess though the $ doesn't translate as well as points toward miles because the cost of flights are sky high right now from my local airport.
Would I be better using my Delta Amex Gold for all purchase instead of the Barclays? If you get 1X miles per purchase, I would have had 200K miles in the last year which would get me at least 4 domestic flights. Couldn't do that with 200K Barclays points. Am I thinking about this right?
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 3/19/15 at 7:25 pm to
I've debated applying for a second. Think I might go ahead and try. It's been 4 months since the first one but I also have the arrival plus. I put a ton of spend on both cards but I don't think that really matters honestly as I think it's really all about that auto approvals.

I'm probably about two years out from looking to buy a new house so I'm going to be limited on my new card apps here shortly so I want to maximize my opportunities.

I feel for you guys going through the mortgage approvals So damn use to getting 6-8 sign up bonuses a year it's gonna suck being points poor again.

Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 3/19/15 at 7:33 pm to
Also as a note. I cancelled my Citi Exec card today. They offered me $100 statement credit and 10k points.

If I didn't travel in premium seating for international travel mostly these days I would've given it some more thought. $350 just didn't seem worth it for admirals club. Domestically i travel SW(the cattle herding bus) almost exclusively out of NOLA due to my companion pass and SW terminals aren't generally favorable for getting to an Admirals Club.
Posted by Sho Nuff
Oahu
Member since Feb 2009
12709 posts
Posted on 3/19/15 at 8:14 pm to
quote:

Just checked again. 4 nights Feb 29-Mar 3.

Are you on IHG.com and looking at Thalasso? I don't see those dates and have not seen but 1 day here and there. If I look right now, I don't see anything. I want the over the water bungalows. That's what we did in Maldives.

quote:

Unfortunately, no. I signed up at the 80k point offers, so I only had to buy 20k($70) for each account.

That sucks. She will have to buy 30k points then so I guess $105? to get to 100k points. Still a great deal when you consider the room you get

I will have to buy 40k points though to get there, I wonder if there's a limit to how many you can buy... Anyway, $140 for me and then we have 4 nights which is probably worth $3,500-$4,000.

I'm looking to go in April or November as that's the "shoulder" season there. Less people but the good weather
Posted by Sho Nuff
Oahu
Member since Feb 2009
12709 posts
Posted on 3/19/15 at 8:18 pm to
quote:

I feel for you guys going through the mortgage approvals

Being that I got the United card last year and will cancel that around July and then got the US Air card in December which will be getting canceled from them (I would do it anyway before another fee) does that hurt my score a little when these 2 cards go away? How long do you think it takes to "recover" from that?

I'm closing on this mortgage in 2 weeks likely, but I will probably refi next year once I get to 80/20 and get rid of PMI, so I want to make sure I don't screw up my score.
This post was edited on 3/19/15 at 8:20 pm
Posted by Teddy Ruxpin
Member since Oct 2006
40151 posts
Posted on 3/19/15 at 8:40 pm to
The US Air card is going to convert to an American Airlines Aviator card issued by Barclay's so that won't "go away" until you want it to.

quote:

I feel for you guys going through the mortgage approvals


Don't patronize me!
This post was edited on 3/19/15 at 8:42 pm
Posted by Azazello
Member since Sep 2011
3212 posts
Posted on 3/19/15 at 8:56 pm to
The AMEX --> AVIOS pts transfer is already paying off.

Just booked a 1 way ticket DEN - MEM for 9k avios and $5.60

Instead of fricking around with the BA site, I just call them and tell them the site is down. I am 4 for 4 and they waive the $25 fee every time.

This post was edited on 3/19/15 at 8:57 pm
Posted by VABuckeye
NOVA
Member since Dec 2007
37604 posts
Posted on 3/19/15 at 9:03 pm to
AVIOS are tremendous for domestic travel. Maybe the best bargain out there.
Posted by Teddy Ruxpin
Member since Oct 2006
40151 posts
Posted on 3/19/15 at 9:06 pm to
quote:

Instead of fricking around with the BA site, I just call them and tell them the site is down. I am 4 for 4 and they waive the $25 fee every time.



Wait times weren't bad? I've heard that complaint so just curious.
Posted by wizziko
New Jersey Nets Fan
Member since Jan 2006
35881 posts
Posted on 3/19/15 at 9:19 pm to
Got approved for the US Airways card but had to move some credit from my Arrival card in the process
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 3/19/15 at 9:23 pm to
quote:


Are you on IHG.com and looking at Thalasso? I don't see those dates and have not seen but 1 day here and there

Yeah I'm on the website and not signed in. I do have the ambassador status but I surf in incognito so they shouldn't see my status but I even went so far as to try and book those 4 nights in March and it would've let me.
quote:

want the over the water bungalows. That's what we did in Maldives

The thalasso only has the over water bungalows.

How was the Maldives by the way? I'm putting that on the list but not on the short list due to the travel time and expense to get in to an OWB.
quote:

wonder if there's a limit to how many you can buy

No. You can buy and cancel. I'll explain later on a desktop.
quote:

Anyway, $140 for me and then we have 4 nights which is probably worth $3,500-$4,000

It's pretty incredible to be able to book a $1k night room for 1/10 of what the other 75 rooms are paying I can blow some cash on a vacation but 7 grand on a room for a week is out of my neighborhood for a normal vacation.
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 3/20/15 at 10:08 am to
So, I just got approved for my second USAir card on an auto approval. Made my day . My last app was on Nov, 21 2014 FTR.

50k points in the bank.
Posted by Teddy Ruxpin
Member since Oct 2006
40151 posts
Posted on 3/20/15 at 10:24 am to
Boo this man.

I really hope that the April 17th date holds (and not the other cited 12th). I close on the refi that day so I can apply at the deadline.
This post was edited on 3/20/15 at 10:25 am
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 3/20/15 at 10:27 am to
quote:

Boo this man.
Bitterness...I can feel it.
quote:

I really hope that the April 17th date holds (and not the other cited 12th). I close on the refi that day so I can apply at the deadline.


I'm surprised they are actually pushing it through so quickly and issuing PR about the merger of programs. Leads me to believe it's pretty much done.
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 3/20/15 at 10:28 am to
Well damn. Figured I'd try my wife too. She got an "under review". Don't tell her . She applied on December 4, 2014.

I also sent my self a referral email. I wonder if I'll get the 10k point referral bonus?
Posted by VABuckeye
NOVA
Member since Dec 2007
37604 posts
Posted on 3/20/15 at 10:54 am to
quote:

I really hope that the April 17th date holds


I just applied for a credit line for my company and I'm hoping my recent mileage and miles hobby doesn't cause any issues. Yes, I have a bunch of credit cards but they have no balances. Next question please? Hope that's how it plays out. If not, the credit line can wait. It's just a convenience thing for me.
Posted by Teddy Ruxpin
Member since Oct 2006
40151 posts
Posted on 3/20/15 at 11:02 am to
quote:

I'm surprised they are actually pushing it through so quickly and issuing PR about the merger of programs. Leads me to believe it's pretty much done.


Ya all the things they are sending out are very specific which leads me to believe they could do the merge today if need be
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