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re: Credit Card Rewards and Points Discussion
Posted on 7/24/18 at 4:23 pm to TheChiefHasArrived
Posted on 7/24/18 at 4:23 pm to TheChiefHasArrived
It's a your mileage may vary type of thing IMO.
If you're putting diversified business expenses on those cards then you should be able to explain why you need the Southwest.
If it's all bonus categories or light spending then you'll have more trouble.
If you're still stating minimal revenue then I'd bet you won't get another business card even if you cancel one.
If you're putting diversified business expenses on those cards then you should be able to explain why you need the Southwest.
If it's all bonus categories or light spending then you'll have more trouble.
If you're still stating minimal revenue then I'd bet you won't get another business card even if you cancel one.
This post was edited on 7/24/18 at 4:24 pm
0
Posted on 7/25/18 at 9:03 am to TheChiefHasArrived
quote:
plan on waiting until Nov-Dec and jumping on the Business then the Priority once I'm close to the Business spending limit. Priority seems like a no-brainer since the $75 credit essentially makes it a $75 annual fee with the better perks and anniversary bonus.
How does the point accumulation exactly work?
Does your calendar year start whenever you get the card? Or whenever you actually get the bonus points?
It would make a huge difference but I don't know the exact rules for the companion pass.
Posted on 7/25/18 at 10:07 am to rintintin
Companion Pass is earned in the calendar year you acquire the necessary requirements.
So if you apply for Southwest cards in November 2018, you shouldn't hit your spending bonus Chase requirement ($2,000 usually) until January 2019 which causes the bonus points to hit your Southwest account in 2019. If you hit it early your points will post in 2018 and then your clock will reset and you'd need 110k points in 2019.
Once you earn the 110k points in the calendar 2019 year, you'll have CP from that point in 2019 through the remainder of the year and through the following year (2020). Hence why people try to to accomplish it as early in a year as possible to get two full years of the benefit.
So if you apply for Southwest cards in November 2018, you shouldn't hit your spending bonus Chase requirement ($2,000 usually) until January 2019 which causes the bonus points to hit your Southwest account in 2019. If you hit it early your points will post in 2018 and then your clock will reset and you'd need 110k points in 2019.
Once you earn the 110k points in the calendar 2019 year, you'll have CP from that point in 2019 through the remainder of the year and through the following year (2020). Hence why people try to to accomplish it as early in a year as possible to get two full years of the benefit.
This post was edited on 7/25/18 at 10:08 am
Posted on 7/25/18 at 11:04 am to Teddy Ruxpin
Ah, gotcha. So ideally you'd want to get the card in November'ish, in order to hit the bonus in January of the next year?
Posted on 7/25/18 at 3:19 pm to rintintin
Ya, that way you have it in hand for January.
Ideal scenario is to put all spend required in a few days in January so the spend counts towards the pass as well if needed.
However this is all predicated on when bonuses are offered and discontinued, which dates seem to vary.
Ideal scenario is to put all spend required in a few days in January so the spend counts towards the pass as well if needed.
However this is all predicated on when bonuses are offered and discontinued, which dates seem to vary.
Posted on 7/25/18 at 11:50 pm to Teddy Ruxpin
Yeah, I may go for the CP this time around since HI flights should be starting in early 19.
Just saw an email from Marriott that the date is Aug 18th for programs to be combined. What are you guys doing with your points? I took the 100k offer for the Marriott card and have about 130k worth of Marriott (45k SPG) once I swap SPG over so 230k and I can do a nights and flights package before they change them for the worse. Not sure if I will as the Category of the hotels also change on Aug 18 so a Cat 7 cert will likely get you a Cat 5 in the new program which is still very nice but not what I'm looking for necessarily. I guess it's good for someone who wants miles at a great rate more than anything.
Just saw an email from Marriott that the date is Aug 18th for programs to be combined. What are you guys doing with your points? I took the 100k offer for the Marriott card and have about 130k worth of Marriott (45k SPG) once I swap SPG over so 230k and I can do a nights and flights package before they change them for the worse. Not sure if I will as the Category of the hotels also change on Aug 18 so a Cat 7 cert will likely get you a Cat 5 in the new program which is still very nice but not what I'm looking for necessarily. I guess it's good for someone who wants miles at a great rate more than anything.
Posted on 7/31/18 at 8:16 pm to Teddy Ruxpin
If my wife already has a personal SW credit card (she’s had it for like 5 years), can she get the new one with the 65,000 point bonus?
Secondly, I’m an additional user on her card, so can I get the new one? Do I cancel first then get it?
The clearly waited until past mid year to give out this bonus to make it more difficult to get the awards (apparently the promotion ends 8/22).
Any thoughts on this situation?
Secondly, I’m an additional user on her card, so can I get the new one? Do I cancel first then get it?
The clearly waited until past mid year to give out this bonus to make it more difficult to get the awards (apparently the promotion ends 8/22).
Any thoughts on this situation?
Posted on 7/31/18 at 8:42 pm to AndyJ
i do not believe so
Posted on 7/31/18 at 8:46 pm to AndyJ
quote:
can she get the new one with the 65,000 point bonus?
Yes, if she gets rid of the one she has now before she applies.
quote:
Secondly, I’m an additional user on her card, so can I get the new one? Do I cancel first then get it?
No, you do not need to cancel first, you should be eligible as long as you're under 5/24.
Posted on 7/31/18 at 8:50 pm to AndyJ
quote:
my wife already has a personal SW credit card (she’s had it for like 5 years), can she get the new one with the 65,000 point bonus?
I wanna say yes, as long as you didn't get a bonus within the last 2 years, and you would need to cancel her current card.
That's how I understood the rules at least.
quote:
(apparently the promotion ends 8/22).
Hmm, interesting. Thing is they've had 60,000 point promos on their other "lesser" cards before, so it would be puzzling to me for them to kill the reward bonus on their "premium" card so soon. Unless they're just worried about people taking advantage of the companion pass deal, which I certainly was
. If they cancel the bonus I won't though.
Posted on 8/1/18 at 2:45 pm to rintintin
quote:No, offer not open to current SW Visa cardholders.
I wanna say yes, as long as you didn't get a bonus within the last 2 years, and you would need to cancel her current card.
That's how I understood the rules at least.
Posted on 8/1/18 at 9:37 pm to NOSHAU
Hmm, I took that to mean you couldn't have 2 personal cards at the same time, and as long as you didn't receive a sign up bonus within 24 months you could simply cancel your current card and apply for the new one and still get the bonus.
Is this not the case? I can't really find a definitive answer.
Is this not the case? I can't really find a definitive answer.
Posted on 8/1/18 at 10:47 pm to rintintin
OD vgc deal has been taking $20 off instead of $10 as advertised at some stores when you add your rewards number. Been hitting them this week with 5x on Ink+.
Posted on 8/3/18 at 12:31 am to fatboydave
Good deal on the Chase IHG card (100k signup bonus + $50 statement credit) that I would definitely jump on, but reading a bunch of stories about Chase shutdowns has me hesitant to open anything new with them anytime soon.
Posted on 8/3/18 at 9:53 am to Dead Mike
I see the shutdown reports but often times its people with a lot of cards. Its still concerning.
Posted on 8/3/18 at 11:46 am to fatboydave
I’m only 6/24 and nothing since December (no Chase cards opened in 12 mos), so I’m pretty sure I’d be fine, but it would suck more to deal with a shutdown than it’s worth.
Posted on 8/5/18 at 8:50 am to Dead Mike
What would a shutdown entail?
I have three Chase cards
I have three Chase cards
Posted on 8/5/18 at 9:03 am to bayoubengals88
Entails all your cards with Chase being cancelled. An unknowable limited window of time to get your points out before they go down with the ship, and probably one to two years at least before you can get a Chase card again.
Posted on 8/5/18 at 1:18 pm to Dead Mike
quote:
Good deal on the Chase IHG card (100k signup bonus + $50 statement credit) that I would definitely jump on, but reading a bunch of stories about Chase shutdowns has me hesitant to open anything new with them anytime soon.
i believe i'm still at few cards under chase's 5/24 rules...and i considered that IHG card.
(but..i just wouldn't stay at holiday inn to make it worth it)
i think i'll probably only add both the personal and business chase southwest card in nov or dec to obtain companion pass for 2019/20....and then i'll probably be done for a while.
Posted on 8/5/18 at 1:27 pm to mrgreenpants
Did they get rid of the free anniversary night? That’s why I keep it. My girlfriend and I have it so we have a free weekend stay each year.
It’s not just holiday in, they have Kimptons and more.
It’s not just holiday in, they have Kimptons and more.
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