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Congratulations. Now be sure to keep checking your credit report to make sure that WF isn't opening 50 other accounts in your name to meet quotas.
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Jul 1, 2021 18:05
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I have a friend who uses Wells Fargo and sent info about the 2% card. They replied that WF made them enroll in text messages, which takes 24 hours to activate, after which time they will be allowed to swap cards. Is this bank's acronym WF or WTF?
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Jul 1, 2021 18:48
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Residency Evil posted:Woah, got a targeted offer for the 150k Amex Platinum, but now they're saying they need to review my application. Approved! Now to figure out how to spend these 150k MR points!
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Jul 1, 2021 19:26
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Residency Evil posted:Approved! Now to figure out how to spend these 150k MR points! That’s enough for a first class round trip redemption on ANA when you transfer to Virgin Atlantic, and almost enough for two business class round trips from the West coast if you want to visit Japan!
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Jul 1, 2021 19:37
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im on the net me boys posted:That’s enough for a first class round trip redemption on ANA when you transfer to Virgin Atlantic, and almost enough for two business class round trips from the West coast if you want to visit Japan! Sure Japan sounds great, but what's the availability on those two business tickets like?
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Jul 1, 2021 19:45
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im on the net me boys posted:What’s your credit score right now? If it’s not enough for Citi you might need more of a starter card. really good, actually. Ive never had a credit card though. So just a lovely starter for a few months?
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Jul 1, 2021 19:49
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lmao I was considering keeping the Platinum for one more year because the $240/year streaming credit is more than enough to offset the increase in annual fee (definitely dumping it when they start limiting the Centurion lounge to no guests though) turns out the streaming credit is only valid on Peacock, SiriusXM, Audible, and NYTimes way to keep it lovely, Amex!
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Jul 1, 2021 20:09
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im on the net me boys posted:That’s enough for a first class round trip redemption on ANA when you transfer to Virgin Atlantic, and almost enough for two business class round trips from the West coast if you want to visit Japan! For west coast to Japan, is this on ANA or must you do MR>virgin Atlantic and then use their points to book ANA?
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Jul 1, 2021 20:36
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Residency Evil posted:Sure Japan sounds great, but what's the availability on those two business tickets like? It’s been a while since I’ve searched, but I remember the availability being pretty okay. FizFashizzle posted:really good, actually. Ive never had a credit card though. I would suggest you check the Discover website to see if you’re prequalified and apply from one of their cards. After having a card with them for a little while you can expect to get other cards more easily. Cacafuego posted:For west coast to Japan, is this on ANA or must you do MR>virgin Atlantic and then use their points to book ANA? You do MR to Virgin and then use the points to book ANA, yes. The Virgin site also has a points schedule showing how much flights of different classes cost from different origin points. You still check availability through the ANA site.
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Jul 1, 2021 20:56
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im on the net me boys posted:You do MR to Virgin and then use the points to book ANA, yes. The Virgin site also has a points schedule showing how much flights of different classes cost from different origin points. You still check availability through the ANA site. Thanks! How long till this is no longer available and devalued to hell?
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Jul 1, 2021 21:24
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Cacafuego posted:Thanks! How long till this is no longer available and devalued to hell? It’s been around for two years or so I think (don’t quote me on this) so there’s no telling. Better to book sooner than later!
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Jul 1, 2021 21:44
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I got approved for Amex Platinum 13 days ago with the 75000 point introductory offer. Should I call and complain and ask for the 100000 point offer? It kind of pisses me off especially because I don't plan on renewing after a year.
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Jul 2, 2021 02:12
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Teriyaki Hairpiece posted:I got approved for Amex Platinum 13 days ago with the 75000 point introductory offer. Should I call and complain and ask for the 100000 point offer? It kind of pisses me off especially because I don't plan on renewing after a year. Amex will never, ever give you a bigger sign up bonus retroactively. You can call them, but it won’t do any good. They’re extremely inflexible about that.
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Jul 2, 2021 04:10
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I haven’t been able to corroborate this yet, but I’ve seen a post on another forum that you will no longer be eligible for sign up bonuses on the variant Amex plats like the CS if you already have the vanilla plat. Previously you were able to get multiple plats and each of their bonuses. Amex is trying real hard to make plat fans mad
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Jul 2, 2021 07:47
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5% back on groceries during the first year (up to $12k spent) offer is back for the Chase Freedom Flex and Freedom Unlimited, coinciding with the 5% back on groceries quarter (up to 1,500 spent) on the Flex to give you 9% back on your first $1500 of groceries this quarter.
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Jul 2, 2021 07:52
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Reminder for anyone who hasn’t to activate their new bonus category for Discover! This month is restaurants and PayPal
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Jul 2, 2021 07:52
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Secondary reminder that the PayPal Key exists and hopefully isn't blocked too many more places than last year.
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Jul 2, 2021 08:45
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im on the net me boys posted:Reminder for anyone who hasn’t to activate their new bonus category for Discover! This month is restaurants and PayPal Thanks! I tend to miss out on the discover bonus because the activate email comes out a month before and I never think of it until the next one.
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Jul 2, 2021 16:58
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astral posted:Secondary reminder that the PayPal Key exists and hopefully isn't blocked too many more places than last year. 
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Jul 2, 2021 17:41
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Signed up for the 100k AmEx platinum offer, it helps I already have a green and they prorate the fee and refund your prorated other card fee. Now I have to make sure I hit boht the Chase and AmEx 100k in the next few months. (Perhaps I'm weird but I read the NYTimes and like Peacock, so the $20/mo. is a real $240/year benefit to me, at least for the next 6 months) Upgrade fucked around with this message at 20:41 on Jul 2, 2021 |
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Jul 2, 2021 20:36
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Is there a way to make sure that I'm signed up for the 150k Amex Platinum offer? I got the card and it's now activated, but there's nowhere on the website to indicate that I'm signed up for the bonus offer, although I think the last time I did an Amex bonus there wasn't either.Upgrade posted:Signed up for the 100k AmEx platinum offer, it helps I already have a green and they prorate the fee and refund your prorated other card fee. Now I have to make sure I hit boht the Chase and AmEx 100k in the next few months. We subscribe to the Sunday NYT, so the benefit is kind of nice for us as well. It's kind of annoying to keep track of all of these things however.
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Jul 2, 2021 21:09
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Residency Evil posted:Is there a way to make sure that I'm signed up for the 150k Amex Platinum offer? I got the card and it's now activated, but there's nowhere on the website to indicate that I'm signed up for the bonus offer, although I think the last time I did an Amex bonus there wasn't either. Usually they won’t display the bonus info after you accept, but most of the time you can go to the desktop site and it will show you your spend goal and reward progress. I say most of the time because there are some days it just doesn’t show up.
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Jul 2, 2021 21:14
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I couldn't get matched for the 125/150 so that's even better - but I'll take 100, hit it, then downgrade the card 
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Jul 2, 2021 22:03
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Upgrade posted:I couldn't get matched for the 125/150 so that's even better - but I'll take 100, hit it, then downgrade the card Just be sure not to downgrade until after your second year starts. If you do it before you new AF is generated, they will claw back your points. When you do downgrade, they’ll prorate back the fee.
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Jul 2, 2021 23:25
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im on the net me boys posted:Just be sure not to downgrade until after your second year starts. If you do it before you new AF is generated, they will claw back your points. When you do downgrade, they’ll prorate back the fee. Ah good to know.
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Jul 2, 2021 23:35
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im on the net me boys posted:Just be sure not to downgrade until after your second year starts. If you do it before you new AF is generated, they will claw back your points. When you do downgrade, they’ll prorate back the fee. What would be the best card to downgrade to?
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Jul 3, 2021 12:56
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Water Resistant posted:What would be the best card to downgrade to? It really depends on your spending, but for most people the gold card is going to make more sense than the green. Green is really only going to be better for people who are using mass transit a lot, like New Yorkers. If you don’t want to pay an annual fee at all, you can open an Everyday to keep your MR and then close the charge card.
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Jul 3, 2021 16:56
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Water Resistant posted:What would be the best card to downgrade to? I typically have a Gold, I downgraded to the Green at the start of the pandemic, but will probably drop back down to the Gold. I'm also going to cancel my Bonvoy Amex after this year due to a job change which means I won't be staying at Marriots for work.
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Jul 3, 2021 17:53
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Do I need to worry about the income confirmation that credit lines will ask for on occasion on their website? Citi wants me to update my income, but I was laid off recently so I'd rather not update it with $0. I have enough cash to keep going for a long time, but I'd rather not get hit with an unnecessary credit decrease or account closure. What is everyone's experience with that?
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Jul 4, 2021 23:51
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literally this big posted:Do I need to worry about the income confirmation that credit lines will ask for on occasion on their website? Citi wants me to update my income, but I was laid off recently so I'd rather not update it with $0. I have enough cash to keep going for a long time, but I'd rather not get hit with an unnecessary credit decrease or account closure. What is everyone's experience with that? No, they have no way to verify and you don't even have to update it.
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Jul 5, 2021 02:00
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literally this big posted:Do I need to worry about the income confirmation that credit lines will ask for on occasion on their website? Citi wants me to update my income, but I was laid off recently so I'd rather not update it with $0. I have enough cash to keep going for a long time, but I'd rather not get hit with an unnecessary credit decrease or account closure. What is everyone's experience with that? They gave me a few pop-ups for that like a few weeks after I was laid off. I just declined to update it every time. And now, 8 months later, I requested a credit increase and it was granted, so that's nice.
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Jul 5, 2021 04:27
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literally this big posted:Do I need to worry about the income confirmation that credit lines will ask for on occasion on their website? Citi wants me to update my income, but I was laid off recently so I'd rather not update it with $0. I have enough cash to keep going for a long time, but I'd rather not get hit with an unnecessary credit decrease or account closure. What is everyone's experience with that? I haven’t updated my income with Discover in like 7 years and they kept bumping up my credit limit anyway without me asking them to, and eventually they just stopped asking.
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Jul 5, 2021 07:53
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Sweet, I shall continue to ignore it then. Out of curiosity, how likely is it that my account would be effected from no income? On a related note, how possible is it to get a new card while out of work? I figure zero income would be a dealbreaker, but I do have a great credit score & history.
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Jul 6, 2021 02:34
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anyone else notice the chase sapphire preferred 100k for 4k spend in three months? I'm just trying to figure out how long the offer is going to be around. I got CSR when it first came out and had the ridiculous bonus, and that was in late 2016, so I'm pretty sure I'm eligible for this one because it's been more than 48 months.
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Jul 7, 2021 01:36
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I'm pretty content with a 2% cash back card, but 100K points on the Sapphire for spending $4,000 in three months is pretty drat tempting. At worst, that's getting a $1,155* rebate on some big spending. I understand the spending offer can include gift cards, so even if my usual expenses don't reach $4,000 I can buy a fat gift card for groceries that will get used later this year anyway. At best, I can convert those points into some fairly lucrative flight and hotel deals. *$1,250 minus the $95 annual fee
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Jul 7, 2021 16:31
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Space Fish posted:I'm pretty content with a 2% cash back card, but 100K points on the Sapphire for spending $4,000 in three months is pretty drat tempting. At worst, that's getting a $1,155* rebate on some big spending. I understand the spending offer can include gift cards, so even if my usual expenses don't reach $4,000 I can buy a fat gift card for groceries that will get used later this year anyway. At best, I can convert those points into some fairly lucrative flight and hotel deals. since I'm not doing any traveling I'm just going to convert it back to cash. I did see the 1250 thing with the pay yourself back tool though I assume that's restricted to certain types of purchases actionjackson fucked around with this message at 17:31 on Jul 7, 2021 |
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Jul 7, 2021 17:17
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Got notice today that CSR fee is going up to $550. The $300 travel credit is a bit better, which I guess now includes gas stations and groceries, but whatever since that $300 was stupidly easy to claw back anyways. There's now 3x dining/travel and increased multipliers when booking through the portal, but we don't really travel much any more with a toddler and Amex Gold gives us 4x on restaurants already. What could I product change to that doesn't get sock drawered? Chase Amazon maybe? I use Amex Gold primarily, CSR until I run out of travel credit, and I think the only use the Uber Visa gets is for the phone warranty coverage.
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Jul 7, 2021 20:30
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Freedom Flex for the rotating 5% categories + cell phone insurance? I don't believe they allow you to product change from/to co-branded cards, as a general rule.
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Jul 7, 2021 20:39
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My score was back over 700 as of yesterday so I went ahead and applied for a CSP and got it. I was on the fence between it or an Amex Gold, but between the 100k points and this post on /r/CreditCards claiming the CSP is getting bumped up to 3x points on dining* I went for it. Probably going to be my last card until November 2022 when I'm back down to 4/24. *The document linked in the post seems to have been reverted to the current model, but I saw it last night and it said 3x for dining and "online grocery".
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Jul 7, 2021 20:44
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I got the same notice about the CSR's $550 annual fee, which stings. But the travel coverage for the CSR, especially the rental car coverage, has saved us hundreds over the years so they have my loyalty. For now.
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Jul 8, 2021 08:21
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