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Elysium posted:I have a question about UR points. If you book things through the chase portal (through your Reserve card), let's say, a rental car, do you still get any advantages as if you booked using your Reserve to pay (such as a free upgrade)? What if you book 99% on points but leave $1 and pay that $1 with your Reserve card? I don't have an answer for this, but have a question on the same topic. I'm specifically interested if you can take advantage of trip insurance if you buy plane tickets with chase UR points through the Reserve card.
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Jan 18, 2017 17:37
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extravadanza posted:I don't have an answer for this, but have a question on the same topic. I'm specifically interested if you can take advantage of trip insurance if you buy plane tickets with chase UR points through the Reserve card. For travel insurance it looks like it according to this blog post. http://thepointsguy.com/2016/02/sapphire-insurance-award-tickets/ I'm not sure about the car rental benefits, I would think so though. You can try going to the Sapphire Reserve travel benefits page and clicking Learn more on Special Car Rental privileges, that page doesn't load for me because I don't have a Sapphire Reserve. In both cases it's probably worth it to be sure and call the number on the back of the card and ask Chase directly.
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Jan 18, 2017 18:00
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Example, I have a $3000 balance with a payment due on Feb 1. I put $2000 more on the card after the statement generates, but then pay off the first $3000 before Feb 1. Does that mean that the newer $2000 won't accrue interest after Feb 1 and will continue not to accrue interest until the next month's due date? This seems like a pretty basic "how do I credit card?" question but it's never been totally clear to me if it works like this.
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Jan 18, 2017 18:48
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You only need to pay whatever is on your statement by the due date. Balance may never actually hit 0, depending on how quickly you pay off your statements. It's ok, I had to explain this to my wife a few months back. She's 27 and has always just paid whatever was on her balance at the end of the month, which avoids late fees, anyway.
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Jan 18, 2017 19:01
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gregday posted:Example, I have a $3000 balance with a payment due on Feb 1. I put $2000 more on the card after the statement generates, but then pay off the first $3000 before Feb 1. Does that mean that the newer $2000 won't accrue interest after Feb 1 and will continue not to accrue interest until the next month's due date? Right, but if you only pay $2999 of that $3000 statement, everything may start accruing interest immediately depending on your credit card's terms.
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Jan 18, 2017 19:27
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Credit cards have a Billing Cycle (typically 1 month) and a Grace Period (typically ~25 days, depending on issuer) in which no interest is charged if the balance is paid in full by the Due Date. This is how many of us use credit cards for literally every purchase that will allow it, set the bill to autopay, and never pay a cent in interest charges, even though we are constantly carrying a balance on the card from month to month.
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Jan 18, 2017 19:33
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Does anyone have the Barclaycard Priceline Rewards Visa? Are you able to redeem the rewards against all purchases or do they have to be purchases from priceline or coded as travel? A friend is looking for a card that has offline chip and pin for travelling just to be on the safe side. Barclaycard has a few options that have no annual fee and no foreign transaction fee but one where he could just redeem rewards as cash or a statement credit would be best.
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Jan 18, 2017 20:42
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I have 690 credit and I need a cc for business expenses. I will spend 15-20gs a year in travel probably. I have traveled every week this year except the first week of january. Am I too low for chase sapphire pref? I'd like to get that if not what should I grab
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Jan 24, 2017 03:10
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Waroduce posted:I have 690 credit and I need a cc for business expenses. I will spend 15-20gs a year in travel probably. I have traveled every week this year except the first week of january. Who do you fly and where do you stay? Bonus spend, perks, and qualifying whatever's might be a good focus.
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Jan 24, 2017 05:14
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Wherever. Just whatever is closest to the client and I fly the airline w the most convenient times so I'm sorta all over.
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Jan 24, 2017 05:34
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Waroduce posted:whatever is closest to the client and I fly the airline w the most convenient times Me my whole life zero regrets high five
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Jan 24, 2017 18:41
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Need some advice: I'm sitting on 88k TY points with Citi on a Prestige card that is due for renewal in April. I haven't claimed the $250 flight credit yet, I'm thinking just buying a gift card to burn this. Due to my having Citigold, my renewal is only $350. Based on their changes due in July of this year, I'm not sure if I want to keep this card, the big thing being the loss of Admiral's club (obviously not the greatest club). Should I just keep it as long as my fee is $350? Additionally, I have a decent Chase relationship as I have checking, mortgage, Freedom and Sapphire preferred cards, and I think I'll grab the Reserve when my 5/24 status clears. I have 180k+ UR points. I also have 240k AA points. So, with the TY points, not sure what to do with them. Transfer to Hilton (I have scrub tier silver status with them) as there is a bonus going on currently? Singapore Air and then transfer a bunch from Chase for a big ol' Singapore redemption? I have no air or any travel planned this year other than a tour in October. I stock piled these points without a clear plan of what to do with them.
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Jan 25, 2017 01:23
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Waroduce posted:I have 690 credit and I need a cc for business expenses. I will spend 15-20gs a year in travel probably. I have traveled every week this year except the first week of january. It may depend on your income. I was accepted in November with a very sparse credit history, which kind of surprised me. I feel like my declared income played a role - otherwise they'd not have much to go on.
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Jan 25, 2017 01:32
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The Electronaut posted:Need some advice: I'm sitting on 88k TY points with Citi on a Prestige card that is due for renewal in April. I haven't claimed the $250 flight credit yet, I'm thinking just buying a gift card to burn this. Due to my having Citigold, my renewal is only $350. Based on their changes due in July of this year, I'm not sure if I want to keep this card, the big thing being the loss of Admiral's club (obviously not the greatest club). Should I just keep it as long as my fee is $350? Even with the transfer bonus Hilton points are mediocre value, about $0.01 per point, unless you have a specific redemption in mind. Buying AA tickets is the best consistent value, SQ and Flying Blue are probably the best transfer partners though do note that SQ does add fuel surcharges unless the partner airline doesn't, another option is to pay your mortgage which isn't great value but gets you $0.01 a point.
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Jan 25, 2017 02:01
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Waroduce posted:Wherever. Just whatever is closest to the client and I fly the airline w the most convenient times so I'm sorta all over. Amex Plat? 5x points on Airfare, Amex lounges, various credits and comps.
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Jan 25, 2017 05:34
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FunOne posted:Amex Plat? 5x points on Airfare, Amex lounges, various credits and comps. Amex plat gets you centurion lounge access, right? Do they offer a delta plat that gives you delta sky lounge access (similar to the United executive/AA executive club cards from chase/citi) and centurion lounge access?
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Jan 25, 2017 06:17
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The normal American Express Platinum gives you access to the Delta skylounges if you have a delta flight that same day. I think the $300 travel credit of the Chase Sapphire Reserve really puts it far ahead of the platinum. You'll absolutely use travel credit of the Reserve every calendar year but the $100 travel fee credit for the Platinum isn't nearly as good. The Reserve you don't get Delta or Centurion lounges though, just the ones included in Priority Pass.
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Jan 25, 2017 07:16
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THF13 posted:The normal American Express Platinum gives you access to the Delta skylounges if you have a delta flight that same day. Platinum is $200 for your selected airline. its good if you actually have a regular airline or just want to buy an airline gift card. Used to be able to do Amazon through United.
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Jan 25, 2017 07:21
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Cacafuego posted:Amex plat gets you centurion lounge access, right? Do they offer a delta plat that gives you delta sky lounge access (similar to the United executive/AA executive club cards from chase/citi) and centurion lounge access? Amex Plat gives you centurion lounge access anytime and Delta Skyclub access if you're flying with Delta. None of the Delta cards give centurion access and I don't even think any of them give unrestricted Skyclub access, iirc one reduces the price and the other requires you to be flying Delta. If you fly a lot at airports with a centurion lounge I'd think the Amex Plat would be worth it for that alone.
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Jan 25, 2017 07:23
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Shadowhand00 posted:Platinum is $200 for your selected airline. its good if you actually have a regular airline or just want to buy an airline gift card. Used to be able to do Amazon through United. Only $200 in "incidental fees" like baggage or whatever, the Airline gift cards are a loophole of some sort because Amex specifically says "This benefit doesn't offer credit toward airline tickets, mileage points purchases or mileage points transfer fees, gift cards, upgrades, duty–free purchases, or award tickets." It does work currently though, I just got $200 in Southwest GCs reimbursed. Some people have reported getting reimbursed for sub-$100 SW fares too. I wouldn't count on it long term though, and they closed the Amazon GC loophole.
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Jan 25, 2017 16:32
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Thufir posted:Only $200 in "incidental fees" like baggage or whatever, the Airline gift cards are a loophole of some sort because Amex specifically says "This benefit doesn't offer credit toward airline tickets, mileage points purchases or mileage points transfer fees, gift cards, upgrades, duty–free purchases, or award tickets." It does work currently though, I just got $200 in Southwest GCs reimbursed. Some people have reported getting reimbursed for sub-$100 SW fares too. I wouldn't count on it long term though, and they closed the Amazon GC loophole. Yeah, but if you're proxying company spend through your own card, that's $200 back in your pocket for spend that is reimbursed and credited by Amex. Check some bags and make money! Or airplane booze and food. Same with the hotel freebie status, amex lounges, and whatnot. All additive in my mind if the company is picking up the spend and you're not on an AA or United where you'd want to focus your benfits.
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Jan 25, 2017 16:37
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So I've got Priority Pass from Amex Plat, and I just got the CSR, which also offers Priority Pass. If I close my Amex Plat, will they nuke my Priority Pass membership or is there something I can do to keep it active without having to sign up and get mailed a card again?
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Jan 25, 2017 16:39
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So my daily driver of the Sallie Mae Mastercard is gonna be replaced by a much worse tier of rewards next month so I'm switching that over to Citi DoubleCash. However I've realized that there's literally no situation where I would want to use the new card the mastercard is being replaced by over the DoubleCash, Chase Freedom rotating rewards, or my no foreign fees card if i'm traveling. My question is, should I just charge the occasion coffee and let it sit in my wallet or close it? I hear that if you close an account it still stays positive on your credit score for 10 years or so before affecting it but don't know it that's just hearsay. For the record I'm not planning on buying a house soon or anything else that needs me to minmax my credit score.
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Jan 25, 2017 20:00
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I like to just put them in a sock drawer. Sometimes they get closed. Sometimes they don't.
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Jan 25, 2017 20:08
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Zikan posted:For the record I'm not planning on buying a house soon or anything else that needs me to minmax my credit score.
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Jan 25, 2017 20:16
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So I'm right on the line of approval for chase sapphire preffered.....is the freedom bad? Should I just risk it on the preffered? 690 credit score 70k income Also the Amex Plat is a charge card....not a credit card....does that matter?
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Jan 27, 2017 23:16
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Waroduce posted:Also the Amex Plat is a charge card....not a credit card....does that matter?
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Jan 27, 2017 23:36
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As a matter of best practices you typically do not want to carry a charge over month to month and always pay credit card in full is that correct? if it is does it then matter that your statement will be effectively I guess $0 every single month..... will the credit company know you're using it
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Jan 27, 2017 23:58
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Waroduce posted:As a matter of best practices you typically do not want to carry a charge over month to month and always pay credit card in full is that correct? Yes, that is correct. Waroduce posted:
Yes, the issuing bank will know you're using it. If you mean for credit reporting purposes, yes they will know that account is open and active. And as an added bonus, by paying off the card every month your utilization ratio will always be low (the amount of credit you are using versus the total amount of credit which is available to you) which is good for your credit score. Win win. Only suckers carry a balance on their credit cards.
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Jan 28, 2017 00:18
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Waroduce posted:So I'm right on the line of approval for chase sapphire preffered.....is the freedom bad? Should I just risk it on the preffered? Why do you want a CSP? Are you trying to subsidize a vacation using ultimate rewards? Do you expect to spend 4000$ in purchases on it in the first 3 months? Basically, what is your goal/what are you trying to do? I can give you better advice with more info.
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Jan 28, 2017 00:36
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Waroduce posted:As a matter of best practices you typically do not want to carry a charge over month to month and always pay credit card in full is that correct? The credit card company reports the amount due on your statement date and a status, current, late, default, etc. If you use your card and don't pay it off early then that amount will be reported and if you pay it y the due date, typical 25ish days after the statement date, then you won't pay interest.
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Jan 28, 2017 01:39
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I recently switched from using a debit card to the amazon cc. Is there any reason not to set it to autopay?
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Jan 28, 2017 02:55
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Harminoff posted:I recently switched from using a debit card to the amazon cc. Is there any reason not to set it to autopay? The other way is to set autopay to only pay the minimum payment for each statement, but still manually pay the entire statement balance. For a lot of people this forces them to login every month and check their CC activity for anything fraudulent. The minimum payment on autopay ensures they don't get a late payment if they somehow forget to make a payment one month. I personally like to set everything to autopay in full and use Mint to keep an eye on everything.
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Jan 28, 2017 05:10
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THF13 posted:I personally like to set everything to autopay in full and use Mint to keep an eye on everything.
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Jan 28, 2017 05:13
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I guess I've churned too hard-- Cap One won't let me apply for the Venture (cancelled it 10 months ago) and couldn't get the Merrill Lynch BoA card for whatever reason. I picked up the Discover card for the 5% + double year bonus last night, and I'm not really eligible for any of the best cards until I can do the Citi Hilton Reserve in July. Bonuses of $200-$250 just aren't exciting enough. Any recommendations? Current cards: CSP (calling in to change this to a CSR soon) Chase Freedom Chase United MP Explorer US Bank REI US Bank Gold Amex FlexPerks Barclay Arrival+ Citi Hilton Visa Signature Amex Blue Cash Preferred Amex PRG Capital One Venture One BoA MLB Card (x2) Crate and Barrel Cards waiting to be able to quality for sign-up bonus again: Citi AA Plat Citi Hilton Reserve Chase Southwest Premier (end of this year) Chase Southwest Plus (end of this year) Amex cards I've already done: Gold / Plat Skymiles SPG Edit: I got the ML BoA card. I read about how people got rejected (or maybe it was told "no decision") for the Merrill Lynch card but then would find it on their account. I applied, got rejected, and checked my BoA account and didn't see it. Logged in today and there it was. So, this should last me until about March/April and then I'll have to find a card for May/June. Blinkman987 fucked around with this message at 09:41 on Jan 28, 2017 |
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Jan 28, 2017 06:31
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Ameriprise plat was good. I'm thinking get the Mercedes Benz one next.
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Jan 28, 2017 08:12
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There's a Citi AA Plat application without the 24 month restriction floating around. You also have none of the Amex Plats and business cards in your list.
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Jan 28, 2017 16:48
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asur posted:There's a Citi AA Plat application without the 24 month restriction floating around. You also have none of the Amex Plats and business cards in your list. I'll look around for that AA Plat app in April. Thanks. Yeah, I've missed the few times there was a 100K Plat offer and I'm not sure how to sign up for business cards since I don't have a small business. I started looking into that and then bounced once I saw that I got the Merrill Lynch card. I'll probably have to start signing up for business cards that this fall while I wait for the Southwest cards to pop so I can get a 2018/2019 companion pass.
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Jan 28, 2017 20:24
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Mourne posted:Why do you want a CSP? Are you trying to subsidize a vacation using ultimate rewards? Do you expect to spend 4000$ in purchases on it in the first 3 months? Well I've never had a credit card and I figure it's time to build my credit. I travel alot for work and will clear 4k easily. I travel primarily domestically and have expensed roughly 5k so far this year. I buy alot of airline tickets, but not one airline and I stay in alot of hotels but always what's easiest for me in relation to client location. I'd like to maximize my returns/rewards. I also enjoy traveling for fun soooo idk....miles are nice
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Jan 28, 2017 20:31
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Waroduce posted:if it is does it then matter that your statement will be effectively I guess $0 every single month.....
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Jan 29, 2017 07:02
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