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re: Credit Card Rewards and Points Discussion
Posted on 9/10/16 at 8:38 pm to metallica81788
Posted on 9/10/16 at 8:38 pm to metallica81788
quote:
Anybody get "unexpected error" when transferring spouse CUR to your account? I just started moving my CUR around to my CSR and all of my 3 cards worked fine but hers did not. No urgent need just curious. It ok'd the card number and the last name.
It's happened randomly to me before. I called Chase and had them do it over the phone.
0
Posted on 9/10/16 at 9:51 pm to AmeriKop45
quote:
But these, and any other personal cards will count towards your 5/24 limit.
Posted on 9/11/16 at 1:45 pm to Sho Nuff
If I were going to jump into the Chase world, where should I start. Was thinking of the new Reserve card, and in the reserve thread was mentioned pairing it with the freedom or freedom unlimited. Can I apply for one, then the other back to back, or do I need to let some time go by?
Can it be paired with like the Sapphire Preferred or is that a bad idea? Was liking the Reserve 100K offer and the Sapphire Preferred 60K offer, but wasn't sure how the pairing of cards worked. Any advice would be appreciated.
Can it be paired with like the Sapphire Preferred or is that a bad idea? Was liking the Reserve 100K offer and the Sapphire Preferred 60K offer, but wasn't sure how the pairing of cards worked. Any advice would be appreciated.
Posted on 9/11/16 at 4:49 pm to BigB0882
I also got this offer. Wondering if I should roll with it then upgrade it to the platinum later on or just wait for the 75 or 100k points bonus offer.
Posted on 9/12/16 at 10:05 am to kywildcatfanone
My recommendation would be to go for the CSR and the Chase Ink. (60,000 point offer).
This is because all of CSPs bonus earning categories are overlapped by CSR and where CSR is 3x, CSP is 2x. However, with the addition of Ink you add 3x at Gas stations and 5x at office supply stores. If you don't regularly spend on office supplies, you can easily buy grocery store or amazon or other merchant GCs at staples/office depot etc to get the 5x.
You could also go for Chase Freedom (15,000 point offer). This will earn 1x everywehre and 5x in quarterly rotating categories such as gas and restaurants and amazon.
If you want to keep things simple - go for Chase Freedom Unlimited (15,000 point offer) which earns 1.5x everywhere.
So my recommendation would be: 1) CSR + Ink 2) Freedom
Just make sure no more than 2 apps in 30 days. So CSR and Ink today. Freedom in a month.
This is because all of CSPs bonus earning categories are overlapped by CSR and where CSR is 3x, CSP is 2x. However, with the addition of Ink you add 3x at Gas stations and 5x at office supply stores. If you don't regularly spend on office supplies, you can easily buy grocery store or amazon or other merchant GCs at staples/office depot etc to get the 5x.
You could also go for Chase Freedom (15,000 point offer). This will earn 1x everywehre and 5x in quarterly rotating categories such as gas and restaurants and amazon.
If you want to keep things simple - go for Chase Freedom Unlimited (15,000 point offer) which earns 1.5x everywhere.
So my recommendation would be: 1) CSR + Ink 2) Freedom
Just make sure no more than 2 apps in 30 days. So CSR and Ink today. Freedom in a month.
Posted on 9/12/16 at 10:31 am to AmeriKop45
Flew international business class on Delta 
I'm younger (compared to others) and pretty sure they treated me like garbage mostly due to that, as if I didn't look like I belonged. It was full fare not reward redemption too.
I'm younger (compared to others) and pretty sure they treated me like garbage mostly due to that, as if I didn't look like I belonged. It was full fare not reward redemption too.
Posted on 9/12/16 at 10:41 am to GenesChin
quote:
It was full fare not reward redemption too.
That doesn't matter. On-board staff have no clue about this.
Posted on 9/12/16 at 10:51 am to FunroePete
quote:
Dear credit card gurus,
I'm a student trying to get my credit started. I applied for chase freedom however I'm not sure if I'll be accepted.
In the scenario that I'm declined, are there any credit cards I can get that offer some type of points/cash back with a unestablished credit history?
I always recommend the Discover It for first time CC users and college students. It's easy to be accepted and they offer 1% cash back on everything with 5% revolving categories. Those categories are things like gas, groceries, Amazon, Department stores, etc. I had a great experience with it as a first card.
As someone else said, don't carry a balance! This cannot be emphasized enough. You are not spending fairy tale money. You are spending real money that you are responsible for and you will owe. That may seem overblown, but it's a slippery slope that some cannot avoid.
Enjoy man. Utilizing a credit card to earn rewards and build credit on expenses you are going to incur regardless is a great feeling. I'm working on a mobile app to help people just like you and it get's me excited to know there are so many out there we can impact.
This post was edited on 9/12/16 at 10:54 am
Posted on 9/12/16 at 10:55 am to AmeriKop45
quote:
That doesn't matter. On-board staff have no clue about this.
I filled out a complain on Delta's website. It ws BS that when i boarded the plane I got completely ignored by the attendant with drinks who took orders in front and behind me. She didn't even acknowledge me when I tried to flag her down
At the LAX lounge, they were extremely rude at check in. I just got off a 12 hour flight, it was morning hours for me and they were being difficult. Probably shouldn't let hte East German lady work the desk
Posted on 9/12/16 at 11:28 am to AmeriKop45
Isn't think Ink card a business card? Or can anyone apply for it?
Posted on 9/12/16 at 1:19 pm to GenesChin
Only fly international on non domestic carriers. It's a much better class of service. United is supposed to be unveiling a new business and first class at the end of the year. It will be interesting to see how they compare then.
Posted on 9/12/16 at 3:37 pm to AmeriKop45
So I applied for and was approved for the CSR. Should I go ahead and apply for another one now, or wait a few days?
Posted on 9/12/16 at 3:57 pm to VABuckeye
quote:
Only fly international on non domestic carriers. It's a much better class of service. United is supposed to be unveiling a new business and first class at the end of the year. It will be interesting to see how they compare then.
If it was up to me, there is no way I'd have booked Delta. Unfortunately, company policy is to use Delta
Posted on 9/12/16 at 4:04 pm to GenesChin
Just got the Reserve card... I think I'll like this better than the Platinum, as I don't utilize lounges. Called and closed my platinum to avoid the annual fee.
Love that the Travel Credit applies to anything and not having to be limited to "incidentals" or buying gift cards.
Love that the Travel Credit applies to anything and not having to be limited to "incidentals" or buying gift cards.
Posted on 9/12/16 at 4:57 pm to Lsut81
As an update;
Got denied for chase freedom (little to no credit history),applied to Discover It.
On a some what related note, why is Discover's market cap so much smaller than its competitors? Is it because they focus on students? Are the perks not competitive? Bad management?
Got denied for chase freedom (little to no credit history),applied to Discover It.
On a some what related note, why is Discover's market cap so much smaller than its competitors? Is it because they focus on students? Are the perks not competitive? Bad management?
This post was edited on 9/12/16 at 5:02 pm
Posted on 9/12/16 at 5:08 pm to FunroePete
quote:
Got denied for chase freedom (little to no credit history),applied to Discover It.
Did you call to reconsider for the Freedom?
quote:
why is Discover's market cap so much smaller than its competitors?
When you say competitors, do you mean Visa/Mastercard/Amex?
Posted on 9/12/16 at 5:41 pm to FunroePete
Shoot me an email, tbendall6@gmail.com
Posted on 9/12/16 at 6:20 pm to GenesChin
quote:
Did you call to reconsider for the Freedom?
yes
quote:
When you say competitors, do you mean Visa/Mastercard/Amex?
yes
Posted on 9/12/16 at 6:31 pm to Lsut81
If I already have a CSP card, is it a no-brainer for me to apply for the CSR card and cancel the CSP? I would hit the sign-up bonus without a problem. The $450 annual fee is effectively only $150 if you spend $300 on travel right? My annual fee for the CSP is also coming in November. Seems like the right move, just not sure if I'm overlooking something.
This post was edited on 9/12/16 at 6:32 pm
Posted on 9/12/16 at 6:54 pm to wareagle47
Yes, it's essentially $150, but it's a 100k bonus offer w/ 50% more credit if used for travel.
So that is $1500 in travel for $150. Plus 3x points on dining and travel purchases. Cabs, uber, lyft, hotels, flights, all count as travel.
Plus $100 credit towards TSA Pre or Global Entry.
I'm going to downgrade my CSP, so I don't lose the points on it. For some reason, they said you can't roll the CSP points to the CSR.
So that is $1500 in travel for $150. Plus 3x points on dining and travel purchases. Cabs, uber, lyft, hotels, flights, all count as travel.
Plus $100 credit towards TSA Pre or Global Entry.
I'm going to downgrade my CSP, so I don't lose the points on it. For some reason, they said you can't roll the CSP points to the CSR.
This post was edited on 9/12/16 at 6:56 pm
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