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re: Credit Card Rewards and Points Discussion

Posted on 3/4/16 at 3:45 pm to
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 3/4/16 at 3:45 pm to
quote:


Just do a mileage run. Think of it as you transferring 27K Citi points to 33K Alaska Miles. Gold status re-qualification is a sweetener.

I'd give it real thought if I had TYP.
quote:

There's also an option to do the DFW-NRT leg on your favorite JAL instead of AA (AA codeshare still). But obviously you won't be in a lie flat
I'd take my sleeping meds or else I'd be sitting there thinking how much I'd rather be up front the whole time.
Posted by AmeriKop45
Coach, Wing Tip Seat
Member since Jan 2016
2102 posts
Posted on 3/4/16 at 3:59 pm to
quote:

I'd give it real thought if I had TYP.


How do you not Let me guess. Singapore Suites?
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 3/4/16 at 4:28 pm to
that is what I would get them for. I've been slacking. Just bought a house so had to slow down pretty good and be selective.

Chase going full 5/24 isn't going to help since my wife's SSN will be on the sidelines all year. When is it okay to use your children's SSN?

Got another mouth to feed on the way so traveling is going to slow some. I'm probably going to commit the cardinal sin and try to horde for a couple of years to try n pay for future family travel.
Posted by AmeriKop45
Coach, Wing Tip Seat
Member since Jan 2016
2102 posts
Posted on 3/4/16 at 4:53 pm to
Or you could maybe go into a CC detox.

Btw, did you stop applying for CCs before you bought your house? My suggestion to most people is to stop 2 years before they think they are potentially in the market for a house. But I have no first hand experience with this. Any insights? If you were still aggressively applying, what effect did it end up having, if any?
This post was edited on 3/4/16 at 4:54 pm
Posted by GenesChin
The Promise Land
Member since Feb 2012
37852 posts
Posted on 3/4/16 at 5:03 pm to
quote:

My suggestion to most people is to stop 2 years before they think they are potentially in the market for a house.


I had a card opened about 2-3 months before home mortgage (weren't expecting to get mortgage at the time). They just asked for a letter of explanation

I wrote

quote:

I wanted to use the signup bonus to pay for a free vacation
This post was edited on 3/4/16 at 5:04 pm
Posted by AmeriKop45
Coach, Wing Tip Seat
Member since Jan 2016
2102 posts
Posted on 3/4/16 at 5:05 pm to
One card? Hmm. For me, and some other people, this case might be a little different.
Posted by LSUAfro
Baton Rouge
Member since Aug 2005
12775 posts
Posted on 3/4/16 at 5:10 pm to
I did a fair amount of research and I ended up just cutting it down 6 months prior. Went to financing with a 772 at close. My expansive credit portfolio(12 lines revolving) was never even brought up. My wife had 8 lines open. We didn't carry any debt outside of a vehicle note though.
I was always thought the 2 year rule was appropriate as well, but as with most things credit related, most of the popular school of thought is wrong.
Posted by VABuckeye
NOVA
Member since Dec 2007
38283 posts
Posted on 3/4/16 at 5:34 pm to
Mortgage lenders don't mind an extensive credit file as long as it's used prudently. As long as this is the case it doesn't pose a problem.
Posted by Sho Nuff
Oahu
Member since Feb 2009
14014 posts
Posted on 3/4/16 at 10:11 pm to
quote:

Mine was smothered in its sleep in January.



I have one still but I only used it for the CitiGold deal which still hasn't come through

Should I try to use it when I need to do $10k spend soon or will I get stuck somehow?
Posted by Sho Nuff
Oahu
Member since Feb 2009
14014 posts
Posted on 3/4/16 at 10:15 pm to
quote:

Any insights?

I bought a condo in May 2015. I got the United card in July 2014 and the USAir (now Aviator) in Dec 2014. I did wait to get the IHG when I was looking at it in April 2015 and will always regret it although it may have screwed with me buying the condo if I would have gotten it. I got it in May and the "trick" was gone and I missed our 5 nights in Bora Bora

But I did get a condo across the street from Waikiki Beach
This post was edited on 3/4/16 at 10:18 pm
Posted by AmeriKop45
Coach, Wing Tip Seat
Member since Jan 2016
2102 posts
Posted on 3/5/16 at 11:30 am to
Data Point:

Might be extremely useful to txtiger97.

Just got off an online chat with a customer service rep. I requested a match to the new offer for the spg card I had received back in august (30k) offer. They said they couldn't match me to the higher offer because offers change all the time, but gave me 5K "courtesy" points immediately because they "value me so highly as a customer"

ETA: Points showed up as soon as I refreshed the page. Great start to the day. Now off to WD to "give back" to AmEx some swipe fees.

This post was edited on 3/5/16 at 11:49 am
Posted by juice4lsu
Member since Dec 2007
3746 posts
Posted on 3/5/16 at 5:07 pm to
Can anyone help out with some MS ideas? My go to was Visa GCs from Albertsons but they no longer sell $500 ones.
Posted by AmeriKop45
Coach, Wing Tip Seat
Member since Jan 2016
2102 posts
Posted on 3/5/16 at 5:32 pm to
Whats your liquidation method? If it is not serve/bb then Winn-Dixie GCs will work. May work with serve too, but now GCM VGCs are all Sunrise bank, which seem to have a problem when loading serve at WM.

However, I just received my Staples package today and all those were GCM MetaBank VGCs.

Since I know that Albertsons stop selling Variable load VGS about a month and a half or so ago, I'm thinking you're not trying to do high volume. If so, you could try NWB.
This post was edited on 3/5/16 at 5:37 pm
Posted by juice4lsu
Member since Dec 2007
3746 posts
Posted on 3/5/16 at 5:42 pm to
I was buying GCM Visas at Albertsons, then buying money orders, then depositing.

I'd prefer to buy GCs and MOs.

I just don't know which $500 GCs have a pin and where to find them.
This post was edited on 3/5/16 at 5:50 pm
Posted by AmeriKop45
Coach, Wing Tip Seat
Member since Jan 2016
2102 posts
Posted on 3/5/16 at 6:26 pm to
Winn-Dixie. Save some for me! They were running low today
This post was edited on 3/5/16 at 6:28 pm
Posted by juice4lsu
Member since Dec 2007
3746 posts
Posted on 3/5/16 at 6:34 pm to
Yea but which ones?
Posted by AmeriKop45
Coach, Wing Tip Seat
Member since Jan 2016
2102 posts
Posted on 3/5/16 at 6:48 pm to
They are exactly like the ones you are used to buying at Albertsons.
This post was edited on 3/5/16 at 6:49 pm
Posted by Civildawg
Member since May 2012
10475 posts
Posted on 3/7/16 at 9:21 am to
Is this 35k SPG sign up bonus pretty legit? I usually dont stay on SPG properties, but if this is a no brainer sign up bonus I will go for it.

I got a 60k+ $50 statement credit offer for the Delta gold card yesterday. I will be jumping on that one pretty soon.
Posted by cmlsu
Baton Rouge, LA
Member since Aug 2011
667 posts
Posted on 3/7/16 at 9:52 am to
The spg is the highest they've ever offered

(My thumbs up icon kept getting changed to ??)
This post was edited on 3/7/16 at 5:59 pm
Posted by Civildawg
Member since May 2012
10475 posts
Posted on 3/7/16 at 9:57 am to
Thats what they say. i know they are merging with Marriott so that may be why they are offering it.
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