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Star War Sex Parrot posted:Good to know! Though I can't ever see needing to do a balance transfer. The only potentially savvy/GWM reason to use a balance transfer I can think of is to daisy chain 0% APR periods together. Chase Slate offers no fee on introductory balance transfers do you can put a large purchase like a remodel or something on a rewards card like Citi Double Cash, then balance transfer for zero fee to a second introductory APR period for a net of 2% cash back and 33 months at 0% APR.
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Dec 11, 2016 23:06
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Star War Sex Parrot posted:This is where I seem to be struggling as far transferring points to a partner. I was trying to research a few potential destinations for UR points but actually finding award fares seems challenging. Where are you trying to get to, and with how many people? I've found that you can find 2 TPAC business seats pretty regularly with Star Alliance. Can generally do the same to Europe if you're willing to connect through Istanbul on Turkish. e: Also, if you're going anywhere in Asia then Korean has oodles of availability and the most US gateways of any TPAC airline. Just gotta watch out for the peak periods on the award chart.
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Dec 12, 2016 01:11
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Good job you crazy bastards: quote:JPMorgan Chase & Co.’s new Sapphire Reserve credit card will reduce the bank’s profit by $200 million to $300 million in the fourth quarter, according to Chief Executive Officer Jamie Dimon. https://www.bloomberg.com/news/articles/2016-12-06/dimon-says-new-card-cuts-profit-by-up-to-300-million-in-quarter
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Dec 12, 2016 04:21
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Pryor on Fire posted:Good job you crazy bastards: They are still posting $5 billion in quarterly profit and Dimon says that the loss is a great thing because it means so many people signed up. If only 20% of those people keep their cards for more than a year, then they will come out ahead. If everyone dumps it before the next annual fee is due, then they might get gun shy about huge signup bonuses on future cards.
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Dec 12, 2016 04:27
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Leon Trotsky 2012 posted:They are still posting $5 billion in quarterly profit and Dimon says that the loss is a great thing because it means so many people signed up. If only 20% of those people keep their cards for more than a year, then they will come out ahead. Alright yall I'm signing up in March so hold out until then
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Dec 12, 2016 05:06
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Virtue posted:Alright yall I'm signing up in March so hold out until then I haven't signed up for any cards since June 1st and I still won't be 5/24 until Spring 2018 
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Dec 12, 2016 05:24
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pig slut lisa posted:I haven't signed up for any cards since June 1st and I still won't be 5/24 until Spring 2018 If you haven't signed up for a Chase card in 6+ months there's speculation that you have a higher chance of it appearing as an offer either online or in branch.
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Dec 12, 2016 08:57
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Any good balance transfer cards with promo $0 BT fee? Besides the Slate? Or otherwise any tricks for paying a CSP balance with the Slate since I know they don't really want to let you do that?
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Dec 12, 2016 17:53
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I have a Citi double cash card and they keep sending me 0 bt offers. I don't have any balance to transfer so I can't really say more than that.
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Dec 12, 2016 18:07
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0 fee or just 0% APR? Lots offer 0% APR for so long, but usually charge 3% balance fee.
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Dec 12, 2016 18:09
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The Slack Lagoon posted:I have a Citi double cash card and they keep sending me 0 bt offers. I don't have any balance to transfer so I can't really say more than that. Citi BTs are not free, they carry standard 3% fee. But yes they send a crapload of BT checks out, I guess they make a huge amount of money on those if they can afford millions of mailings every month.
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Dec 12, 2016 18:11
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BEHOLD: MY CAPE posted:Citi BTs are not free, they carry standard 3% fee. But yes they send a crapload of BT checks out, I guess they make a huge amount of money on those if they can afford millions of mailings every month. Guess I never read it carefully. I even called them and told them to stop sending them to me. Get like 2/week. They stopped for a month and it's started again.
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Dec 12, 2016 18:20
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BEHOLD: MY CAPE posted:Citi BTs are not free, they carry standard 3% fee. But yes they send a crapload of BT checks out, I guess they make a huge amount of money on those if they can afford millions of mailings every month. I am so loving tired of getting those checks in the mail.
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Dec 12, 2016 18:36
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Barry posted:I am so loving tired of getting those checks in the mail.
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Dec 13, 2016 00:27
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Hoping you guys can help me justify a change in credit cards. I currently use a Citi Thank You Preferred and am looking to replace it with a Thank You Premier Card. My credit score is excellent so I don't think I'll have problems qualifying for it, I also pay off my balance completely every month. The reason for the change is because I do travel a lot and want to take advantage of No Foreign Transaction Fees and also the additional ThankYou points I can earn based on travel purchases. I do however see this card has an annual fee of $95, which I understand I think I can justify because I would earn a lot more in rewards. I was looking at airline-specific credit cards like the MileagePlus Explorer but I don't want to be tied down to a single airline when I travel. I'd like to stick with Citicards if possible as I've been using them for over 10 years now and have had a great experience. Does it make sense to make the switch to the Premier card?
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Dec 13, 2016 12:44
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Tailored Sauce posted:Hoping you guys can help me justify a change in credit cards. I currently use a Citi Thank You Preferred and am looking to replace it with a Thank You Premier Card. My credit score is excellent so I don't think I'll have problems qualifying for it, I also pay off my balance completely every month. The reason for the change is because I do travel a lot and want to take advantage of No Foreign Transaction Fees and also the additional ThankYou points I can earn based on travel purchases. I do however see this card has an annual fee of $95, which I understand I think I can justify because I would earn a lot more in rewards. I was looking at airline-specific credit cards like the MileagePlus Explorer but I don't want to be tied down to a single airline when I travel. I'd like to stick with Citicards if possible as I've been using them for over 10 years now and have had a great experience. Does it make sense to make the switch to the Premier card? It probably makes more sense to get a new premier card and get the 40,000 signup bonus as long as you are eligible rather than product changing. The premier's isn't super competitive with its Amex and chase counterparts right now because the annual fee isn't waved. Citi keeps changing their minds every few months (for a while, the premier was 50k and no fee for the first year, then a 0 point bonus, now 40k) so that could change.
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Dec 13, 2016 21:29
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Had my Global Entry interview this morning. Took three whole minutes. I'm using every benefit on the CSR and it's great.
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Dec 14, 2016 03:45
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The Sallie Mae Mastercard seems to be getting the ax. A redditor got a letter saying it is being converted into the Commence Mastercard as of March 1 and will offer 2% back on grocery stores and utilities and 1% everywhere else. 
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Dec 14, 2016 20:06
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Peace out Sallie Mae I guess double cash for everything.
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Dec 14, 2016 20:18
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THF13 posted:The Sallie Mae Mastercard seems to be getting the ax. A redditor got a letter saying it is being converted into the Commence Mastercard as of March 1 and will offer 2% back on grocery stores and utilities and 1% everywhere else. Nooooooooo RIP my groceries/gas card Any other good cards out there for 5% back?
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Dec 14, 2016 22:12
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THF13 posted:The Sallie Mae Mastercard seems to be getting the ax. A redditor got a letter saying it is being converted into the Commence Mastercard as of March 1 and will offer 2% back on grocery stores and utilities and 1% everywhere else. Confirmed, just got the letter in the mail. Can continue to use card until February 28th, 2017, any points earned will continue to be credited to rewards account. After March 1 the Commerce card's rewards kick in, and any unredeemed Sallie Mae Rewards points will be converted to cash back. The commerce card sucks, I will be canceling my Sallie Mae card in February. They did send me a $200 reward offer on a $500 spend for their Cash forward card, might consider two of those just for the signup reward, but the 1.5% just isn't that competitive. grenada fucked around with this message at 01:22 on Dec 15, 2016 |
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Dec 15, 2016 00:28
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THF13 posted:The Sallie Mae Mastercard seems to be getting the ax. A redditor got a letter saying it is being converted into the Commence Mastercard as of March 1 and will offer 2% back on grocery stores and utilities and 1% everywhere else. just got this letter guess i'm gettin' a double cash and juggling it with chase freedom catagories 
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Dec 15, 2016 03:33
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TraderStav posted:Had my Global Entry interview this morning. Took three whole minutes. I'm using every benefit on the CSR and it's great. Same, although I had my interview a few months ago. I thought I'd set off some alarms since I was born overseas and I spend 90% of my time in sub-Saharan Africa for work, but I got no questions beyond "why are you applying for Global Entry?" I'm flying home tonight for the first time since being approved, so I'll get to try GE when I arrive 
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Dec 15, 2016 13:33
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curried lamb of God posted:but I got no questions beyond "why are you applying for Global Entry?" What a weird question. What answer would anybody possibly give besides "I want to get through immigration quicker"?
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Dec 15, 2016 14:59
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I don't think you understand how the TSA and similar organization work, at no point is there any rational or critical thought applied in any stage of the process. Once you get brought into an organization like that you are trained on lists of lists, you must hit all the items on the lists of lists and that's it. People don't matter, money doesn't matter, nothing matters besides the lists of lists. Once you understand their brains only operate in that mode and stop trying to interact with them like you would a normal human it's much easier to breeze through TSA/customs. You're not a human, you're an item on a list of lists. Sometimes they'll let you glance at the lists even though they're not supposed to. *edit or you can just go full Ari Shaffir for maximum entertainment value: https://www.youtube.com/watch?v=-DYiMZNF6ME Pryor on Fire fucked around with this message at 17:34 on Dec 15, 2016 |
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Dec 15, 2016 17:26
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They must have updated their lists because they didn't ask me why I signed up.
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Dec 16, 2016 03:57
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Rip got the Sallie Mae end letter
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Dec 16, 2016 04:21
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The Slack Lagoon posted:Rip got the Sallie Mae end letter Same. Back to Amex Blue Cash I guess.
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Dec 16, 2016 16:50
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Yea I think I'll just be using my double cash for everything. Does Barclays have a no fee 0 ftf I could convert this card to?
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Dec 16, 2016 16:54
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The Slack Lagoon posted:Yea I think I'll just be using my double cash for everything. Does Barclays have a no fee 0 ftf I could convert this card to? Apparently Barclays is now offering the AAviator with a 40k miles bonus for anyone interested. T&C say you can't have had it before. The only way you used to be able to get this was a PC from the old US Air card.
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Dec 16, 2016 17:09
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The Slack Lagoon posted:Yea I think I'll just be using my double cash for everything. Does Barclays have a no fee 0 ftf I could convert this card to? Amex Blue Cash Everday still does 3% grocery, which I think is the best rate around for no fee. I'll probably be switching to Preferred, since I can share the card with my partner and we'll definitely buy enough groceries to beat the fee for the boost to 6%. Also I may not be understanding it fully, but it sounds like Discover IT does 5% rotating/1% everything else like Chase Freedom, but will also match all your cash back for the first year, basically doubling everything. Seems like a good card to pick up for daily use and then put it in the rotation pile with Freedom. Neon Belly fucked around with this message at 18:50 on Dec 16, 2016 |
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Dec 16, 2016 18:37
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Neon Belly posted:Also I may not be understanding it fully, but it sounds like Discover IT does 5% rotating/1% everything else like Chase Freedom, but will also match all your cash back for the first year, basically doubling everything. Seems like a good card to pick up for daily use and then put it in the rotation pile with Freedom. You are understanding it fully. I hit my one-year mark this summer and got over $900 in cashback doubled. It's every bit as awesome as it sounds.
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Dec 16, 2016 19:55
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Used my free anniversary night at a Holiday Inn Express last night to get ahead of a bad winter storm so I didn't have to deal with it today. It's the only reason I have this card and easily saves me $75-100 a year above the annual fee for random things like this or kids travel sports. Not a lot of SPG in Michigan but holiday inns everywhere. Highly recommend keeping this one in your stable of cards. It's not glamorous (although the one in Rochester Hills is pretty good) but solves a problem cheaply once a year.
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Dec 17, 2016 15:10
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Trip report: - Chase UR miles transfer instantly to Flying Blue. The counter was offering upgrades for 25K (or €850, ugh) and I was 10K short, so I jumped on the Chase site, made the transfer, and the miles were available within a minute. - Global Entry machines are really finicky about your fingerprints being at an angle - My flight arrived at the same time as several other large international flights, so the GE line at customs saved me a ridiculous amount of time CSR rules, A++ would use again
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Dec 17, 2016 16:25
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curried lamb of God posted:- Chase UR miles transfer instantly to Flying Blue. The counter was offering upgrades for 25K (or €850, ugh) and I was 10K short, so I jumped on the Chase site, made the transfer, and the miles were available within a minute. Air France or KLM?
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Dec 17, 2016 18:11
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pig slut lisa posted:Air France or KLM? KLM, from AMS to IAH. Before that, I had taken an overnight KGL-AMS flight in economy without getting any sleep, so getting a lay-flat seat was pretty drat nice
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Dec 17, 2016 18:24
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Just got back from Hawaii with the girl, and spent 60k UR points on three nights in the Maui Hyatt; was really nice, and they even waived resort fees since it was a points booking. Will do again fo sho!
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Dec 19, 2016 21:18
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Nur_Neerg posted:Just got back from Hawaii with the girl, and spent 60k UR points on three nights in the Maui Hyatt; was really nice, and they even waived resort fees since it was a points booking. Will do again fo sho! Star War Sex Parrot fucked around with this message at 21:29 on Dec 19, 2016 |
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Dec 19, 2016 21:26
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Star War Sex Parrot posted:Did you pay airfare yourself? Also did you book through Chase or transfer the points to Hyatt to book (sounds like the latter if they waived the resort fee)? I read recently that their rewards system is being overhauled. Yeah, I get travel reimbursement from work, so just use that for plane tickets every year, as I either get discounted or loyalty-comped hotel rooms. I transferred to Hyatt to book, was by far the best exchange rate I saw on cashing out points. Room's normal rate was ~$600/night +$30 in resort fees a day. Spent 60k points for three nights four days that would've normally been ~$1900.
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Dec 19, 2016 22:37
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Quick question: Should I reply to my Chase card's request for income info so they can increase my credit limit? It is my only credit card and I usually only spend 15% or less of my limit and pay it off every month. What are the positives/negatives of having more credit?
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Dec 20, 2016 19:36
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