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Cacafuego posted:Correct Is the BofA card the BankAmericard one?
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Nov 9, 2017 23:29
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Boris Galerkin posted:Is the BofA card the BankAmericard one? Yep, that’s it. Do you have any other BofA cards? If you apply for that one and they don’t give you enough of a credit line, you can transfer some from another card. I did this a few months ago to pay off a private student loan. Throwing $1600/month at it will allow me to pay off $22k of student loan debt interest free in less than 15 months. I also had done it about 3 years ago to pay off another private loan using the citi simplicity. Having good credit is awesome and can be leveraged to a huge benefit. It should be stated that you NEED TO PAY IT OFF WITHIN THE 0%APR term! Doing the above dropped my score from ~820 to about 740, but it climbs about 15 points every month I pay 8x the minimum payment.
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Nov 9, 2017 23:50
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OnceIWasAnOstrich posted:In this scenario all of the flights are already business class and at 1K/Platinum/Diamond. Be still my beating heart
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Nov 11, 2017 15:26
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astral posted:Whoa, this is new to me - Chase sent me an e-mail confirming I'd get the points for a Chase Sapphire Preferred referral I gave a friend. Haven't referred anyone in a while so they may have been doing this for a bit, but it's definitely cool to get an e-mail about it now instead of wondering whether or not it worked correctly.
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Nov 11, 2017 23:23
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SiGmA_X posted:I referred a friend this past week and didn't get notified... They used the referral link, I was in the room when they signed up/were approved... How long was the turn around for notification for you? Couple weeks if I remember correctly.
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Nov 11, 2017 23:47
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astral posted:Couple weeks if I remember correctly.
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Nov 13, 2017 20:15
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Anyone ever put a signing bonus onto the next cards minimum for a signing bonus? Correct me if im wrong but i think it may be an arbitrage opp given enough good credit to keep on getting the bonuses card after card...even better with 0% for borrowing against the next bonus (additional extra bonus per card).. Thoughts?
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Nov 14, 2017 16:36
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anne frank fanfic posted:Anyone ever put a signing bonus onto the next cards minimum for a signing bonus? Correct me if im wrong but i think it may be an arbitrage opp given enough good credit to keep on getting the bonuses card after card...even better with 0% for borrowing against the next bonus (additional extra bonus per card).. Thoughts? I have no idea what you just asked...
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Nov 14, 2017 17:28
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I think he's asking if he can chain together balance transfers to fill a bunch of spending bonuses without actually spending anything. Paying a credit card with another credit card isn't considered a purchase but a balance transfer, it usually has a fee (sometimes waived for a few specific cards) and never counts towards spending requirements. People have done weird things to accomplish the same thing, but usually these methods are a pain to do, carry a fee, or will get your account shut down if you use it too much.
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Nov 14, 2017 17:38
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You're describing churn, and while it used to be quite lucrative the time and effort involved to do it probably outweigh the benefit it provides in TYOOL 2017-18.
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Nov 14, 2017 18:12
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So what are people doing about their Chase Sapphire Reserve now that it is coming up for renewal?
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Nov 15, 2017 14:32
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smackfu posted:So what are people doing about their Chase Sapphire Reserve now that it is coming up for renewal?
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Nov 15, 2017 15:14
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smackfu posted:So what are people doing about their Chase Sapphire Reserve now that it is coming up for renewal? Keeping it. Not counting the sign-in bonus, and subtracting the annual fee, I get well over $1k a year in reward points from it for travel combined with the Freedom and Freedom Unlimited. Its a shame I can’t put my work travel expenses on it or I would be tripling that. I’m constantly traveling and eating out though, if that wasn’t the case I would probably cancel it and get the CSP or that new Barclays Uber card.
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Nov 15, 2017 15:24
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smackfu posted:So what are people doing about their Chase Sapphire Reserve now that it is coming up for renewal? I'm probably going to cancel mine, but I've got ~82k points left and I'm not really sure what to do with them. I know I'll "lose" value if I don't redeem them for travel via the UR site, but I'm starting a new job in 2 weeks and probably won't have a chance to go on vacation for a bit. I'll probably end up transferring them to Southwest or something.
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Nov 15, 2017 16:50
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Sirotan posted:I'm probably going to cancel mine, but I've got ~82k points left and I'm not really sure what to do with them. I know I'll "lose" value if I don't redeem them for travel via the UR site, but I'm starting a new job in 2 weeks and probably won't have a chance to go on vacation for a bit. I'll probably end up transferring them to Southwest or something. United and Hyatt are transfer partners and both have 1.5+ value for their points.
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Nov 15, 2017 17:14
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Animal posted:United and Hyatt are transfer partners and both have 1.5+ value for their points. Oh cool, thanks!
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Nov 15, 2017 17:21
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Used all my CSR points for an 8 day trip thru the Baltic last spring. Now I've cancelled it. Got me a $1600 value vacation for 2 paid for only $450 signup bonus. Plus the $300 travel credit from 2016 was fully used on a business trip, and fully reimbursed by my company! What a year!
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Nov 15, 2017 18:53
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Yeah, I think it is perfectly fine for us to keep the CSR. The 3% on restaurants then 1.5x redemption on travel is hard to beat and we spend a decent amount on travel each year.
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Nov 16, 2017 00:36
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Keeping mine and canceling my wife's. I started traveling for work every week, so I'm earning a silly amount of points with it.
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Nov 16, 2017 22:30
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smackfu posted:So what are people doing about their Chase Sapphire Reserve now that it is coming up for renewal? Keeping it. It's really only $150/year and the points/travel bonuses are great. I just need to figure out what to do with all of the points since I mainly travel with American. Thinking about using them for a honeymoon at the Park Hyatt Maldives, but not sure if there are any other good options.
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Nov 16, 2017 22:50
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Just a reminder that you can register your Chase Sapphire Reserve Priority Pass to get the digital membership card now. If you already had a priority pass account, you're still forced to make a new one because technology is difficult for them. Link: https://www.prioritypass.com/chasedmc
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Nov 16, 2017 23:10
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astral posted:Just a reminder that you can register your Chase Sapphire Reserve Priority Pass to get the digital membership card now. If you already had a priority pass account, you're still forced to make a new one because technology is difficult for them. Oh hey this is cool. Gonna give it a try tomorrow. I registered for the card but managed to forget it every time I flew since.
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Nov 17, 2017 00:04
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astral posted:Just a reminder that you can register your Chase Sapphire Reserve Priority Pass to get the digital membership card now. If you already had a priority pass account, you're still forced to make a new one because technology is difficult for them. Not every PriorityPass lounge accepts the digital membership so make sure the lounges you want to visit do before you travel if you plan on not bringing the card.
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Nov 18, 2017 00:40
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THF13 posted:Uber card application site is up. $100 signup bonus is OK I suppose, the 4% on dining is great but on par with my Reserve card. I picked it up regardless though because of the phone insurance. Uber Eats counts for earning 4%, but if you tip, it's a separate charge which only earns 2%. This is likely because uber eats is some specific exception not based on Merchant Category Code (the MCC is the same). Since Uber rides only earn 2%, and the tip charge for uber eats vs. uber is indistinguishable, they probably can't reliably differentiate between them, so they can't fix this without either giving uber ride tips 4% or changing the uber ecosystem so that ride tips and eats tips show up differently. In any case I have a ticket open with Barclays complaining about it but I doubt I'll get anywhere since no one else on the internet seems to have noticed and in the end it's going to be such a minuscule amount that no one will care ¯\_(ツ)_/¯
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Nov 19, 2017 20:53
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Can you do big catering or office party orders on ubereats? I guess it would still be a small amount in the grand scheme of things but its not nothing, especially if youre doing 20% on a large order (times however many people are doing that). It might seem petty but ya I'd want all the rewards due for using a single service that they advertise as being eligible for a certain percentage. I don't use ubereats tho so if it's just a $5 tip max each purchase or something I wouldn't be super concerned.
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Nov 19, 2017 22:58
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I'm looking at going on a trip to France next semester and I'm trying to see if getting a new card for it is a good idea. The CSR seems like it might be a good choice (although I don't know if I'm booking the flight or if it is through the school the trip is with yet) but it also might be useful to get a card with a 0% balance to cushion the expense before any scholarship money comes in. I already have a Barclays Arrival, Discover IT, Chase Freedom, and AmEx BCE, so I've used some of the better cards that have a no interest period. Thoughts?
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Nov 21, 2017 00:53
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hbf posted:No idea if this is actually working but according to this email I got, Chase Southwest card is offering CA residents a companion pass as a sign up bonus. That's a huge offer. Is the companion pass for every flight for a year? That's how I'm reading that offer and if so, that's a stupid good deal.
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Nov 21, 2017 04:37
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Currently have ~800 rating, 12 accounts open. Is that too many or something? I currently can't get approved for a card to save my life. I'm told I recently opened too many cards, but my card cadence hasn't really changed-- a new one every 2-3 months. Tried the new BoA travel cards and a Barclay Arrival+, neither very tough cards to get approved for.
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Nov 21, 2017 08:42
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Blinkman987 posted:Currently have ~800 rating, 12 accounts open. Is that too many or something? I currently can't get approved for a card to save my life. I'm told I recently opened too many cards, but my card cadence hasn't really changed-- a new one every 2-3 months. Tried the new BoA travel cards and a Barclay Arrival+, neither very tough cards to get approved for. These days, Barclay denies people for having 6 new cards from any issuer in the last 24 months. BoA denies based on how many BoA cards you hold/have applied for in various periods of time.
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Nov 21, 2017 08:43
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Interesting. With the companies all locking down their cards, either I'll have to figure out how to open exclusively business cards or maybe even wait 24 months to completely reset my card counters.
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Nov 21, 2017 08:58
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El Mero Mero posted:Is the companion pass for every flight for a year? That's how I'm reading that offer and if so, that's a stupid good deal. Yes. Source: wife and I had companion pass all this year through hitting 110k points or whatever late last year. Both cards were in her name, so I'm going to be signing up for this and getting us another year of companion passes!
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Nov 21, 2017 20:05
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I signed up for the Southwest card a few weeks ago, now I'm seeing that the fine print might only qualify those who receive the promo email as opposed to clicking through a link on one of the cc blogs (like what I did). I made a few purchases immediately so we'll see soon.
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Nov 21, 2017 21:31
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spf3million posted:I signed up for the Southwest card a few weeks ago, now I'm seeing that the fine print might only qualify those who receive the promo email as opposed to clicking through a link on one of the cc blogs (like what I did). I made a few purchases immediately so we'll see soon. It became a public offer at some point (still only for Californians), so you ought to be fine.
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Nov 21, 2017 22:21
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Oh sweet, fingers crossed!
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Nov 21, 2017 22:48
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astral posted:These days, Barclay denies people for having 6 new cards from any issuer in the last 24 months. BoA denies based on how many BoA cards you hold/have applied for in various periods of time. Fell Fire posted:I'm looking at going on a trip to France next semester and I'm trying to see if getting a new card for it is a good idea. The CSR seems like it might be a good choice (although I don't know if I'm booking the flight or if it is through the school the trip is with yet) but it also might be useful to get a card with a 0% balance to cushion the expense before any scholarship money comes in. I already have a Barclays Arrival, Discover IT, Chase Freedom, and AmEx BCE, so I've used some of the better cards that have a no interest period. Thoughts?
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Nov 23, 2017 07:00
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Small White Dragon posted:Just a heads up. Barclay offers Chip+PIN on their cards (when overseas), as far as I know none of the others do. This can really help you if you're at an unattended train station or something. It's funny I recently decided to find a card that has:
I only found 1 that wasn't through some weird credit union, and it's the BofA Travel Rewards card. Just a few months later and that Uber card came out (through Barclays), so now I don't even need the BofA anymore.
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Nov 24, 2017 15:38
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Amex BCE had me assign a PIN when I got a chip card, I think that means its chip+pin compatible now? Still has a foreign transaction fee though.
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Nov 24, 2017 20:00
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Pekinduck posted:Amex BCE had me assign a PIN when I got a chip card, I think that means its chip+pin compatible now? Still has a foreign transaction fee though. Could be for cash advances.
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Nov 24, 2017 20:03
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Yep, Citi sent me a letter with a PIN in it also for cash advances.
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Nov 24, 2017 20:31
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Coming up on a year on my Reserve, I'll be keeping it for at least another year, does the Priority Pass membership renew?
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Nov 24, 2017 22:46
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