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I have a business Ink with sign up incentives that expire this month. The spending didn’t materialize over the period but I believe it will next month. Has anyone ever gotten the sign up incentives extended from Chase? I haven’t charged anything to it, with exception of paying my $95.
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Jun 7, 2021 15:39
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Mat Cauthon posted:Well it took some doing but we got approved with no issue. AODFCU seems like a pretty nice little financial outfit, so we might even be able to put that membership to good use for some other services we'll have a need of in the near future. I've been considering AODFCU but that flat 3% (plus no fees) honestly seemed too good to be true. Should I got for it as well? How was the application process?
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Jun 8, 2021 01:26
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New 2% back card coming July 1 from Wells Fargo: https://creditcards.wellsfargo.com/active-cash-view-details/ No AF, but a 3% foreign currency conversion fee. $200 signup bonus if you spend $1,000.
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Jun 9, 2021 05:09
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That doesn't seem any better than any other card plus it's wells Fargo that I hate.
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Jun 9, 2021 05:13
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With the foreign currency conversion fee, it would definitely need some good benefits to be a compelling pick over the alternatives.
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Jun 9, 2021 05:18
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im starting to really like the sofi card with points (GEMS???) redeemed as investments in their investing portal. seems like so good. always be investing and this does it automatically pretty much. seems really cool to me.
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Jun 9, 2021 06:36
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Hed posted:I have a business Ink with sign up incentives that expire this month. The spending didn’t materialize over the period but I believe it will next month. Not Chase, but Citi told me to pound sand when I missed the sign-up bonus by like $20 (out of $3000). I miscalculated some charges and realized a few days too late that I messed up, and I missed out on something like 60k AA miles. I called a few times, tried to escalate it, even tried crying over the phone but nothing worked. Then the pandemic hit and our planned trip to Hawaii fell through and that made the lost miles hurt a little less. Still hurts, though.
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Jun 9, 2021 07:47
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Good reminder for everyone to try to overspend on a signup bonus by at least $100 if you can help it, or higher if you think you might have to refund something more than $100 (many banks are very happy to claw that bonus back). Also a reminder to not include any annual fees etc. in the calculation.
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Jun 9, 2021 07:52
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I have an AMEX plat and I'm looking to rent a car. The card includes Avis Preferred Plus which I already signed up for. If I quote the rental through AMEX's travel website, I get prices anywhere from 8-15% more expensive than if I quote it through Avis directly. In theory the card's coverage is exactly the same as long as I use it to pay the rental and decline Avis' insurance, right?
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Jun 9, 2021 16:33
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Ur Getting Fatter posted:
Yes. I usually book through Avis's website using the discount/upgrade code. Rental cars are totally hosed right now though no matter what code/card.
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Jun 9, 2021 17:43
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FunOne posted:Yes. I usually book through Avis's website using the discount/upgrade code. Yeah, speaking of which, it seems my cheapest option (by far) is to rent through Costco's travel platform. Does anyone know if Amex's insurance will still cover cars rented through costco? I'm guessing the make or break difference is whether I'm paying the rental company directly or if I'm paying costco who's in turn paying the rental company.
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Jun 9, 2021 18:06
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Ur Getting Fatter posted:Yeah, speaking of which, it seems my cheapest option (by far) is to rent through Costco's travel platform. From what I remember, you just book through Costco and then you actually pay the rental company when you go to pickup. Amex has primary insurance on the vehicle providing you opt in for one of their tiered rate (something like $25 or $18 per entire rental period). Opting in on the website prior is a must though along with declining the offered insurance. Interestingly enough with Amex, I recently acquired the platinum and gold within a few months of each other. I’ve put roughly around $7K spend on the platinum and $2.5K on the gold. Using the “Check Spending Power” feature, I found I was approved for a $25K purchase for the gold but not platinum. I figured it would be the other way around. Platinum allowed me a $20K purchase.
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Jun 10, 2021 05:15
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According to DoC, Citi's got a new card: https://www.citi.com/credit-cards/citi-custom-cash-credit-card Signup bonus: "Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening"
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Jun 11, 2021 07:57
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5% cash back on grocery stores, excellent, I'm in.
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Jun 11, 2021 09:56
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Shear Modulus posted:5% cash back on grocery stores, excellent, I'm in. Same. Big old middle finger to Amex right there.
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Jun 11, 2021 13:49
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Just beware that it has a $500 cap per billing cycle, and literally everything else is 1%, so use something else for everything that isn't the category you pick.
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Jun 11, 2021 14:04
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Unsinkabear posted:Same. Big old middle finger to Amex right there. So long as you're getting at least 1.25 cents per point (which you really should be!), you're still getting 5% with the Gold card. But if someone doesn't want to have an Amex for grocery this is an okay card. Also that 5% is only up to the first $500 spent in a month, so $6000 per year, versus the $6000 per year on the Blue Cash Preferred (6%) or the $25000 per year with the Gold. After annual fee, it would work out better for the Citi versus the BCP, but the BCP also has 3% on gas, transit, 6% on streaming. In my use case, I think I would use this for gas stations rather than the other categories. edit: for some reason thought it was per quarter and not per month, so I fixed this post. im on the net me boys fucked around with this message at 19:56 on Jun 11, 2021 |
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Jun 11, 2021 19:12
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astral posted:According to DoC, Citi's got a new card: Billing cycle is per month I'm assuming? So $6000 spend per year, 5% cash back?
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Jun 11, 2021 19:44
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I still have months remaining on my Chase Freedom Flex (5% UR on groceries for the first 12 months x 1.5 CSR redemption rate = 7.5% cash back, and literally cash back because of Pay Yourself Back), and I still have a grandfathered PenFed cash rewards card that gives me 5% back on gas. I have US Bank Cash Rewards Plus for 5% on streaming/cell/etc., so I'm actually having issues finding a consistent use case for this card. Drugstores, home improvement, and travel are inconsistent purchases, and fitness clubs or live entertainment won't be $500 spend a month. This is a pretty good single use entry level card, but it's definitely not a much get for everyone.
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Jun 11, 2021 20:28
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I hosed up my auto pay settings and missed due date by one day on my Amex. I managed to get the late fee waived but they’re not budging on the interest. Is this worth threatening to cancel over or is getting interest charges waived normally difficult?
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Jun 11, 2021 22:58
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How much interest can that possibly be?
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Jun 11, 2021 23:48
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Not enough to actually cancel but enough to spend some time on chat or on the phone trying to get it back.
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Jun 12, 2021 01:28
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If it was your error and not the bank's, I wouldn't push it. You asked, they said no; it's an amicable resolution. Pay it off, use a different card for the next month, and switch back the following cycle.
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Jun 12, 2021 01:31
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Am I missing something with this Amex "Pay Over Time" thing? It just sounds like a credit card? They're really pushing it and offering 20k points for activating it though so I feel like I'm missing something.
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Jun 12, 2021 01:51
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Chaotic Flame posted:Am I missing something with this Amex "Pay Over Time" thing? It just sounds like a credit card? They're really pushing it and offering 20k points for activating it though so I feel like I'm missing something. You get free points and never have to use it.
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Jun 12, 2021 03:38
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astral posted:According to DoC, Citi's got a new card: Looks like a winner. Lots of categories, too, which is nice (so long as you're playing the game correctly and only using it on one particular category for no more than $500 per month).
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Jun 12, 2021 06:24
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Chaotic Flame posted:Am I missing something with this Amex "Pay Over Time" thing? It just sounds like a credit card? They're really pushing it and offering 20k points for activating it though so I feel like I'm missing something. Isn’t it mainly a feature on their charge cards? So yes it makes them more like credit cards.
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Jun 12, 2021 14:32
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Apparently I was already signed up for Pay Over Time despite me having no memory of doing so. https://www.google.com/url?sa=t&rct...dYMzpAjt5FR-ioe This link says you can unenroll and maybe get the targeted offer anyway, so FYI.
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Jun 12, 2021 14:39
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Ur Getting Fatter posted:Apparently I was already signed up for Pay Over Time despite me having no memory of doing so. At some point they enabled it by default for new cards I think. I had to unenroll as well.
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Jun 12, 2021 16:15
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does anyone know if two adults sharing a prime family account can both apply for the chase visa they are promoting and both can receive the gift card bonus?
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Jun 12, 2021 19:14
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The terms mention that if more than one person applies from the same account and is approved, the last card will be the one to receive 5% rewards, so it apparently it's possible. My reading is that whoever gets a credit card also gets a gift card, without further limitation.
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Jun 13, 2021 01:46
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Anyone know if the AMEX plat Uber credits need to be linked to an account under my name? I barely ever use Uber but my wife does so it’d make more sense to just have those in her account.
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Jun 13, 2021 02:44
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Ur Getting Fatter posted:Anyone know if the AMEX plat Uber credits need to be linked to an account under my name? I barely ever use Uber but my wife does so it’d make more sense to just have those in her account. AFAIK, it doesn’t matter if it’s under your name. I don’t know if having the card linked to two Uber accounts at the same time would be a red flag though. I would suggest just linking your card only to her account if you rarely use Uber. On another note, I’m charging about $2600/month in rent via PPK on my CSR for UR ($3.00 debit fee, yay!). Is that my best use for that ‘required’ spend or would a different card (not including SUB use) be a better fit for it? I don’t see any cards that have anything where rent would fall under a multiplier category or if it would even code that way using PPK.
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Jun 13, 2021 02:58
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Ur Getting Fatter posted:Anyone know if the AMEX plat Uber credits need to be linked to an account under my name? I barely ever use Uber but my wife does so it’d make more sense to just have those in her account. It doesn’t matter. My Amex is under my legal name (of course) and my Uber is under the name I actually use. No problems with it.
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Jun 13, 2021 03:04
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Allegedly, that new Citi Custom Cash card has a higher signup bonus offer in branch ($300 back on $1k spend instead of $200 back on $750). Offer ends in like 4-5 days.
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Jun 13, 2021 07:07
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astral posted:Allegedly, that new Citi Custom Cash card has a higher signup bonus offer in branch ($300 back on $1k spend instead of $200 back on $750). Offer ends in like 4-5 days. good lord man this card is insane
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Jun 13, 2021 07:42
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If anyone's thinking of using it for the Restaurants category, be aware that it excludes a lot, like bakeries and third-party delivery services:custom cash category description page posted:Restaurants
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Jun 13, 2021 07:55
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astral posted:Allegedly, that new Citi Custom Cash card has a higher signup bonus offer in branch ($300 back on $1k spend instead of $200 back on $750). Offer ends in like 4-5 days. Probably going to sign up for this card and get a separate account for both me and my wife and then cancel the amex card to avoid the AF. Is there a ref bonus link I can add to my sheet for this and use for myself?
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Jun 13, 2021 15:44
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Gazpacho posted:The terms mention that if more than one person applies from the same account and is approved, the last card will be the one to receive 5% rewards, so it apparently it's possible. My reading is that whoever gets a credit card also gets a gift card, without further limitation. cool thanks, we'll give a shot and see how it goes!!
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Jun 13, 2021 15:51
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literally this big posted:I've been considering AODFCU but that flat 3% (plus no fees) honestly seemed too good to be true. Should I got for it as well? How was the application process? It was much easier than I expected. I thought they might ask some questions about my new bike club membership or whatever but it was pretty smooth and painless. It took as long as it did because I got sidetracked with other life/work stuff and couldn't find the time to get all my documents in order. Depending on what services you request you might have to do some back and forth through email to provide paperwork, but that's about it. Definitely recommend going for it if you just need a solid rewards card for various household things.
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Jun 13, 2021 22:38
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