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Worked! Thank you!
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Sep 13, 2017 17:18
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I'm thinking of applying to the Chase Ink to get the 80,000 UR. Anyone here has a referral link they would like me to use? I have a CSR, Freedom UR, and Freedom if anyone wants to be referred.
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Sep 13, 2017 19:26
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Animal posted:I'm thinking of applying to the Chase Ink to get the 80,000 UR. Anyone here has a referral link they would like me to use? PMed!
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Sep 13, 2017 19:28
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When you apply for a Chase Business Card, make sure to set the business type to "Sole Proprietor" and use your own SS. Chase will check in to verify the businesses sometimes. Just say that you sell things on Ebay and want to keep the costs separate and you will be fine.
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Sep 13, 2017 19:30
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Leon Trotsky 2012 posted:When you apply for a Chase Business Card, make sure to set the business type to "Sole Proprietor" and use your own SS. Chase will check in to verify the businesses sometimes. Thanks thats good to know. Turns out I'll have to wait till December 23 to apply as I'm sitting right on 5/24. Unless store cards dont count for the 5/24? One of the cards is a Microcenter card. Can anyone confirm? Animal fucked around with this message at 20:08 on Sep 13, 2017 |
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Sep 13, 2017 20:02
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Animal posted:Thanks thats good to know. Turns out I'll have to wait till December 23 to apply as I'm sitting right on 5/24. Unless store cards dont count for the 5/24? One of the cards is a Microcenter card. Can anyone confirm? It counts if Chase can see if on your credit report.
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Sep 13, 2017 21:51
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asur posted:It counts if Chase can see if on your credit report. I think they count for automatic approval, but you can call Chase's reconsideration line they can ignore store cards and approve you anyways. Doctor of credit says they only count if they can be used outside of that store. https://www.doctorofcredit.com/chase-524-rule-explained-detail-need-know/#Do_store_cards_count_towards_the_limit
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Sep 13, 2017 22:16
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I've switched my travel from Delta to American. Is there any reason to hold on to my Delta Amex or Amex PRG? I've mainly been using my Chase Reserve.
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Sep 14, 2017 01:11
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Leon Trotsky 2012 posted:Just an FYI if this is useful to anyone: Can the $500 be cashed out or only can be used toward travel? If the latter, has anyone tried booking something refundable through Expedia and cancelling it and keeping the credit?
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Sep 14, 2017 03:19
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TraderStav posted:Can the $500 be cashed out or only can be used toward travel? If the latter, has anyone tried booking something refundable through Expedia and cancelling it and keeping the credit? Yes, you can cash it out as a statement credit. No idea about the second point. But some card issuers will clawback bonuses if you get chargebacks/refunds.
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Sep 14, 2017 03:57
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Leon Trotsky 2012 posted:Yes, you can cash it out as a statement credit. Thanks. Chase let me keep my travel credits last year when I did it FWIW.
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Sep 14, 2017 04:13
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Cashing out as a statement credit takes 2x the points. Redeeming agains travel expenses is 1 cent a point.
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Sep 14, 2017 06:39
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I fly Hawaiian Airlines all the time (like 2-3x a week round trips) so I use a Hawaiian Airlines BOH Mastercard. Is that worth it over the CSR?
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Sep 14, 2017 07:11
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asur posted:Cashing out as a statement credit takes 2x the points. Redeeming agains travel expenses is 1 cent a point. Ah, so it'll be a $250 statement credit bonus?
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Sep 14, 2017 12:33
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TraderStav posted:Ah, so it'll be a $250 statement credit bonus? It is if you can’t use it for travel. In the past the definition of travel has been pretty broad and included things like Metro/subway expenses-there’s a list on flyertalk of what works and what doesn’t. Be aware of the $100 minimum. You can also do the refundable ticket/hotel room trick. Not sure why anyone would use the card these days outside of the sign-up bonus given the existence of no AF 1.5-2% cards, but they’ve given me $1000 in sign up bonuses over two cards so far so I guess I can’t complain too much
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Sep 14, 2017 14:31
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I have an AMEX Everyday CC. It has 0% APR for 12 months. I don't care too much about that since I like to pay my card's full balance for peace of mind, but I'm curious: does not paying my full balance impact my credit score, even if it's 0% APR? I understand that I shouldn't go over 30% utilization, and having unpaid balance eats into that, but for the question's purposes assume that won't be an issue.
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Sep 14, 2017 16:58
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So what's the current working model for manufacturing spend if I don't want cash back? I was doing a lot through giftcardmall but they have long since banned me. Looking to target minimum spends on a few select cards (Barclay Arrival for one) and $3k on two cards (wife also) will be a stretch for us right now. Already had our big ticket items accounted for for a while. Are there certain $500 gift cards you can buy in person that can be turned into money orders at Walmart or have those local options dried up?
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Sep 14, 2017 23:29
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Ever since Amex canceled my Serve card, I've been out of the game
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Sep 15, 2017 01:31
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Ur Getting Fatter posted:I have an AMEX Everyday CC. It has 0% APR for 12 months. It will impact your score just slightly. It shouldn't trigger anything beyond a small increase in utilization.
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Sep 15, 2017 05:11
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Residency Evil posted:I've switched my travel from Delta to American. Is there any reason to hold on to my Delta Amex or Amex PRG? I've mainly been using my Chase Reserve. Closed the Delta amex. Are there any good Amex offers, or should I just hold on to the PRG?
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Sep 15, 2017 12:24
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Residency Evil posted:Closed the Delta amex. Are there any good Amex offers, or should I just hold on to the PRG? I have an amex referral code for a platinum for anyone who wants one -- 60,000 Membership Rewards after $5,000 in purchases within the first 3 months. Disclaimer: I'll get 15k points for it.
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Sep 17, 2017 05:46
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60k is the standard offer; you should be able to get 75k or 100k from visiting their pages in incognito mode over time e:ditch that PRG after your current cardmember year is up and get an Amex Everyday if you want a no-af card that'll keep your MR points alive astral fucked around with this message at 06:43 on Sep 17, 2017 |
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Sep 17, 2017 06:31
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Closed out my CSR today after some 11 months of ownership. Final rewards tally: -$836 cash directly to checking account to close out remaining Ultimate Rewards balance -$750 (approximation) in airfare and and other travel expenses, paid out from UR points on a 1.5x ratio. -$100 credit for Global Entry application fee -$600 in travel credits, $300 of which were redeemed in 2016 mostly on commuting (public transit) costs and $300 in 2017 on travel costs including rental car and other transit costs. Total benefits: ~$2,250. Total fees paid: $450 Net benefits: ~$1800 Total spend over 11 month period: Approximately $7,400. Net rewards return as % of spend: ~24% Verdict: 100k UR signup bonus was an awesome deal. e: fixed some stuff Vox Nihili fucked around with this message at 03:21 on Sep 18, 2017 |
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Sep 18, 2017 03:12
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The Freedom bonus for next quarter is Wal-Mart and department stores. Maybe I will close it after all.
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Sep 18, 2017 03:15
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Vox Nihili posted:Closed out my CSR today after some 11 months of ownership. Final rewards tally: The CSR is the gold standard that will rarely come again. It's the whale you gotta be ready to jump on. Similar numbers here, x2 since my wife has one also. Closing hers out in December when the travel credits refresh as her renewal isn't until March.
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Sep 18, 2017 03:19
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Make sure to product change the CSR rather than closing it; if you don't have both a freedom and freedom unlimited you can change it to one of those (or you could always change it to a second freedom for double the 5x bonus limit).
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Sep 18, 2017 03:22
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TraderStav posted:The CSR is the gold standard that will rarely come again. It's the whale you gotta be ready to jump on. Similar numbers here, x2 since my wife has one also. Closing hers out in December when the travel credits refresh as her renewal isn't until March. Yeah, it was really an awesome deal. Glad I didn't hesitate too long and miss the ride. Feel a bit bad for the poor customer service people tasked with retention, but not too bad. quote:Make sure to product change the CSR rather than closing it; if you don't have both a freedom and freedom unlimited you can change it to one of those (or you could always change it to a second freedom for double the 5x bonus limit). Too late for me, though I am planning to get the signup bonus for the Freedom down the road.
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Sep 18, 2017 03:26
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astral posted:Make sure to product change the CSR rather than closing it; if you don't have both a freedom and freedom unlimited you can change it to one of those (or you could always change it to a second freedom for double the 5x bonus limit). What's the advantage with that? I have a freedom with her as an AU. Not the unlimited though.
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Sep 18, 2017 03:38
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TraderStav posted:What's the advantage with that? I have a freedom with her as an AU. Not the unlimited though. Freedom Unlimited gives you 1.5x UR on everyday spending, which depending on how much you value the points could be more or less than a 2% cashback card. Or, as mentioned, if you get a second freedom you have two times the 5% category caps. Credit score wise it boosts your amount of available credit, contributes to your average age of accounts, etc. Chase bank wise it probably helps that they don't see you opening an account and then closing it after a year.
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Sep 18, 2017 03:58
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astral posted:Credit score wise it boosts your amount of available credit
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Sep 18, 2017 04:10
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Star War Sex Parrot posted:Chase can just move the available credit to another card if someone is really worried about minmaxing their score. I just moved my available credit from my CSR to my Amazon and Freedom cards before closing it so as not to impact my overall utilization ratio. I'll likely do the same when/if I close my Freedom, assuming they'll let me push an Amazon card's limit past the $50,000 mark. Sure, for available credit. However, after ten years one fewer account may still have an adverse affect on your average age of credit depending on your amount/age of other cards. p.s. Giving up the Freedom would be tantamount to heresy!
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Sep 18, 2017 04:25
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Star War Sex Parrot posted:The Freedom bonus for next quarter is Wal-Mart and department stores. That's some bullshit. I'm guessing it's to pressure people into getting their Amazon Prime card. I feel like they cheated me off of 7,500 UR, I even had $1,500 worth of camera gear on my Amazon cart I was waiting to buy with the Freedom. I guess I could head to Walmart and buy $1,500 worth of Amazon gift cards? Do they even sell them? Animal fucked around with this message at 13:49 on Sep 18, 2017 |
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Sep 18, 2017 13:45
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Animal posted:That's some bullshit. I'm guessing it's to pressure people into getting their Amazon Prime card. I feel like they cheated me off of 7,500 UR, I even had $1,500 worth of camera gear on my Amazon cart I was waiting to buy with the Freedom. They do. Wal-Mart.com also sells giftcards that you can buy. Discover IT is 5% (10% in first year) back at Target and Amazon. Target runs "10% off Target Gift Card Sales" during the Holidays, so if you want to maximize the value buy a bunch of Target Gift Cards at 10% off with a Discover IT and get 10% cashback on that. Then, buy some stuff in person at Target with Amazon Gift Cards in the pile. Some Target registers are hard coded to not allow you to purchase ONLY gift cards with Target gift cards, but if you have some other stuff it's fine.
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Sep 18, 2017 16:49
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Went ahead and applied and was approved for the new BofA Travel Premium card. Best I can tell I'll get the annual fee back in travel credits and I get additional bonus spend on top of the standard BofA Travel card so win-win for me. Plus, once I close and consolidate my other BofA card into this one I'll be juuust shy of having a full 100k line on one of my cards.
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Sep 18, 2017 19:08
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Leon Trotsky 2012 posted:They do. but but but my UR points  j/k I'm definitely gonna jump on that racket. I haven't used my Discover It in like 3 years.
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Sep 19, 2017 04:29
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Leon Trotsky 2012 posted:Then, buy some stuff in person at Target with Amazon Gift Cards in the pile. Some Target registers are hard coded to not allow you to purchase ONLY gift cards with Target gift cards, but if you have some other stuff it's fine. I might sign up for discover IT later next month to double dip on q4 bonus. I'll probably pm you or post here to get a referral link because no one I know has the card. Chase Freedom's bonus categories aren't as appealing, although walmart is fine q4 it's the other 3 quarters and discover IT's 20%-25% bonus redemption if you do gcs that really make it appealing. Also, chase freedom has referral links but they just give the person referring you $100 and you nothing. Kind of weird.
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Sep 19, 2017 19:23
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Khorne posted:Does target sell amazon gift cards in person? They don't appear on their website. This would greatly simplify christmas shopping, because I genuinely don't feel bad about giving amazon gift cards to people who aren't my girlfriend. They usually do. Major outlets like Home Depot, Target, Walmart/Sam's Club, and Lowe's all usually have a "Gift Card Mall" rack with a variety of different gift cards. The cards they offer vary by location, but they usually have "the big" ones - Amazon, Google Play, Netflix, Xbox/PSN, Shell/Exxon, Starbucks, and McDonalds. When I had my 10% bonus category as "Home Improvement" I stacked a Discover Deal for a bunch of Shell and Amazon Gift Cards at Lowe's.
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Sep 19, 2017 19:26
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Khorne posted:Does target sell amazon gift cards in person? They don't appear on their website. This would greatly simplify christmas shopping, because I genuinely don't feel bad about giving amazon gift cards to people who aren't my girlfriend. Here's my link if you want to start a chain: https://refer.discover.com/s/ri4aj
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Sep 20, 2017 00:46
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Got a mailer for a promotion the Barclays Commence is doing (its the re branded Sallie Mae card). $10 bonus cash back each for October, November, and December if you spend $1,500 each month. $50 bonus on top of that if you hit $1,500 each month. They really want people to use their lovely card I guess.
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Sep 26, 2017 18:21
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The Slack Lagoon posted:Got a mailer for a promotion the Barclays Commence is doing (its the re branded Sallie Mae card). I haven't even activated the stupid Commerce they sent me months ago after the switch from Sallie Mae.
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Sep 26, 2017 18:55
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