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Amex hasn't been super competitive outside of maybe some of their points offerings on the charge cards but I could see them reworking the BCE or BCP a bit in response. They really ought to just have a 2% consumer card by now.
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Jul 23, 2021 22:09
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Thoguh posted:WF Propel is no fee and is 3% on gas, don't know if there are other no fee card that offer that but I assume there probably are. If you already have and plan to keep a Costco membership, the Costco Visa is 4% on gas, including at Costco (which usually doesn’t code as a gas station for rewards).
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Jul 23, 2021 22:11
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Thoguh posted:WF Propel is no fee and is 3% on gas, don't know if there are other no fee card that offer that but I assume there probably are. I believe this card has been discontinued. You could have combined with other Wells Fargo no-AF cards for a 10% cashback bonus or a 50% bonus on travel, too. Navy Federal offers a no AF Amex with 3% back on gas and groceries, if you or an immediately family member was/are in the military.
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Jul 24, 2021 00:09
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Leon Trotsky 2012 posted:Chase Sapphire Preferred: Wow. Hope they're still doing something like this early next year when I cancel/downgrade the Reserve.
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Jul 24, 2021 04:46
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I'm normally a dog boring W2 tax filer but this year have some substantial sports betting gains that I need to make estimated payments on. I have about $27k that I owe at the moment and believe that it'd be smart to sign up for some highly valuable / high spend bonus offers and eat the credit card fee of 1.96% to do so. I haven't been in the travel hacking game in a number of years, what's the best cards to do this for right now? I have a CSR already. It has been a few years so think I'm good on the 5/24 rule. Thanks in advance!
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Jul 28, 2021 21:37
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I've been sitting on the chase trifecta (CSR/freedom/FU) for a few years now with no credit card applications since. Between now and my CSR renewal I expect to burn through all of my UR points so I'll cancel the card at that point. Would my best bet be to apply for the CSP or the CSR again for the sign up bonus assuming I can hit the minimum spend for either? Anything I should be aware of before I go down this road? Thanks in advance.
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Jul 29, 2021 21:01
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Virtue posted:I've been sitting on the chase trifecta (CSR/freedom/FU) for a few years now with no credit card applications since. Between now and my CSR renewal I expect to burn through all of my UR points so I'll cancel the card at that point. Would my best bet be to apply for the CSP or the CSR again for the sign up bonus assuming I can hit the minimum spend for either? Anything I should be aware of before I go down this road? Thanks in advance. Downgrade the CSR to a Freedom Flex, wait a couple weeks, and apply for a CSP with the 100k bonus.
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Jul 29, 2021 21:14
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Any good Balance Transfer Cards with no fee? I want to consolidate two cards
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Jul 29, 2021 22:21
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Virtue posted:I've been sitting on the chase trifecta (CSR/freedom/FU) for a few years now with no credit card applications since. Between now and my CSR renewal I expect to burn through all of my UR points so I'll cancel the card at that point. Would my best bet be to apply for the CSP or the CSR again for the sign up bonus assuming I can hit the minimum spend for either? Anything I should be aware of before I go down this road? Thanks in advance. In order to get the current CSP 100k bonus, you need to make sure the CSR sign-up bonus was received over 48 months ago. https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred "This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months."
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Jul 29, 2021 23:18
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GreenBuckanneer posted:Any good Balance Transfer Cards with no fee? I want to consolidate two cards I used citi double cash when I did this last year. Think it was 18mo no interest in balance xfers.
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Jul 30, 2021 18:26
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I'd have to check if it was that Citi card, but I remember a popular cash-back card with seemingly good balance-transfer terms having a loophole of "if you transfer a balance in and pay off a new purchase on it, the transferred balance gets added to the fat APR on the spot." Be on the lookout! Googling isn't pulling up the loophole card at the moment, but I heard about it from a credit card youtuber.
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Jul 30, 2021 19:39
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More of a general credit Q but does it impact your score negatively to have a card go away? I got a Care Credit a while ago and they're going to close it for inactivity in a couple months. I don't need it anymore so I don't really care, but curious if it's going to lower my credit score or something.
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Aug 1, 2021 19:51
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Grand Fromage posted:More of a general credit Q but does it impact your score negatively to have a card go away? I got a Care Credit a while ago and they're going to close it for inactivity in a couple months. I don't need it anymore so I don't really care, but curious if it's going to lower my credit score or something. There are two things that change when a card gets closed: your total potential credit goes down, and that card is removed from your pool with respect to the average age of your accounts. The first is usually a small negative, the second can be either positive or negative depending on how long that card was open relative to your entire credit history. For example, if you have four cards that have been open ten years, and you closed a fifth card that had only been open a year, your average age would actually go up.
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Aug 1, 2021 20:06
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saintonan posted:There are two things that change when a card gets closed: your total potential credit goes down, and that card is removed from your pool with respect to the average age of your accounts. The first is usually a small negative, the second can be either positive or negative depending on how long that card was open relative to your entire credit history. For example, if you have four cards that have been open ten years, and you closed a fifth card that had only been open a year, your average age would actually go up. Huh. Well, curious to see what happens. It's one of the newer cards but I've only had credit cards at all for a couple years, didn't get my first until I started my US exile in 2019. My credit score is pretty good so I'm not concerned, I just haven't had a card close before.
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Aug 1, 2021 20:16
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I expect it won't have much of an impact, then.
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Aug 1, 2021 20:53
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My CSR annual fee hit today and it didn't go up to $550, it's still $450. Did they delay that again?
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Aug 2, 2021 18:18
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Thoguh posted:My CSR annual fee hit today and it didn't go up to $550, it's still $450. Did they delay that again? Depends when you signed up for it. It kicks in either August 1st or September 1st depending on your sign-up date.
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Aug 2, 2021 18:31
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I think mine renews this month and I got a letter telling me it was going to be $550. I think I may downgrade. I have an Amex Gold, USBank Altitude Reserve, and Ritz card, so the only real benefit to the Sapphire anymore seemed to be redeeming points earned in bonus categories on my no annual fee cards.
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Aug 2, 2021 20:15
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Small White Dragon posted:I think mine renews this month and I got a letter telling me it was going to be $550. Them counting gas stations for the $300 rebate and being pretty generous on groceries being a bonus category recently are the main reasons I'm still keeping it for now. In other years I'd consider priority Pass to be worth at least something but not now or anytime for the forseeable future. I cancelled the Blue Cash Preferred that I had been using for groceries the last half decade because it didn't make sense to have two cards that charge fees for the same category. I'll have to re-evaluate next year once my Flex welcome bonus is expired and the fee goes up. At that point I might just cancel the CSR and move my grocery spending over to a Citi Custom for the 5% no fee. Thoguh fucked around with this message at 12:44 on Aug 3, 2021 |
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Aug 3, 2021 12:42
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Interesting Visa card that seems to only have a 4.25% interest rate. It's Wall Street Journal prime rate +1% so 3.25 + 1 = 4.25%. Seems very low, but interesting. https://www.srifcu.org/visa/
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Aug 4, 2021 11:47
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huge disparity between FICO & TransUnion/Equifax is pissing me off. I think the gap is kuz FICO is considering a late payment more than 1 year ago but fewer than 7 whereas the others aint.. ?? the difference is as high as 62 points depending on who i get it from lol. hosed up!!
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Aug 4, 2021 18:32
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The CSP overhaul is going to be official next Monday.quote:New category bonuses 
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Aug 11, 2021 02:43
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E. Oops completely wrong thread!
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Aug 11, 2021 02:50
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There are also some upgrades for the CSR, but seems like CSP may be the better deal now.
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Aug 11, 2021 07:15
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Looks like it's actually time to pull the trigger on getting my second Sapphire SUB. Guidance is to wait a month from converting the Reserve into a non-Sapphire card before applying for the Preferred, right?
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Aug 11, 2021 12:35
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Small question that I can't find a clear google answer to (I mostly get results that seem to be about gas rewards cards) Is it possible to get a credit card that can ONLY buy gas? I own part of a small home renovation business and we are hiring someone on as a salesperson and it would be the easiest thing to do for gas reimbursement if there was a way to give him a card that he can only buy gas with, but I wasn't sure if this is actually possible or not. I can't just give him a regular card and just look at the bills I think because you could buy all sorts of stuff at a gas station. I realize that most people probably just have employees turn in receipts and manually reimburse them for things like gas and maybe that's what we have to do but I just wanted to check if there was a way to do it easier by getting them something like a refillable gift card or credit card that only works at gas pumps.
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Aug 13, 2021 17:06
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Stefan Prodan posted:Small question that I can't find a clear google answer to (I mostly get results that seem to be about gas rewards cards) fleet cards are definitely a thing, though i don't know all the ins and outs of how they work, there may be some minimum purchase requirements that don't make sense for a business with only a few people driving a low daily mileage
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Aug 13, 2021 17:59
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Yes, I had one at a past job. Look for terms like "fleet fuel card". Mine only worked at gas stations. When you swiped it the pump asked for your driver number and mileage, which we used as a job number for coding.
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Aug 13, 2021 17:59
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Ok cool yeah that was the keyword I needed. Thanks! As you can imagine, "credit card for gas only" was not super helpful
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Aug 13, 2021 18:37
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Chase came out with the new rewards added to the Sapphire Reserve. They're all only from using their portal: 10x dining, 10x hotels, 10x car rentals, 5x flights. Out of those, I've only booked flights through their portal before. It seemed fine, most flights were there for similar prices as elsewhere. So that might be worth doing more for the 5x points. Not sure if the hotel/car listings are similar, or if they're substantially worse than other sites such that it's not worth using even for 10x points. It seems for dining they use Tock, which has barely any restaurants even in the large cities I checked. So that one's basically worthless. edit: Well, there are more than just a few in some major downtown areas, but it's pretty much only upscale restaurants, not places I would go to on a regular basis. runawayturtles fucked around with this message at 23:21 on Aug 17, 2021 |
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Aug 17, 2021 23:13
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Does anyone know if the new 10% of your yearly points spent on your anniversary benefit on the CSP apply to points from a spend bonus?
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Aug 18, 2021 00:41
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Upgrade posted:Does anyone know if the new 10% of your yearly points spent on your anniversary benefit on the CSP apply to points from a spend bonus? IIRC the 10% bonus is only on actual spend. So if you spend $3000 for 70k points half of which is a 2x category, you'll get 74,500 points now (70,000 + 1,500 + 1,500*2) and 300 next year.
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Aug 18, 2021 01:36
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Small White Dragon posted:IIRC the 10% bonus is only on actual spend. So if you spend $3000 for 70k points half of which is a 2x category, you'll get 74,500 points now (70,000 + 1,500 + 1,500*2) and 300 next year. Oh thats what the "spend" means, not me spending the points. Duh. That's a lot worse 
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Aug 18, 2021 01:40
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Basically you can just add 0.1 to all the multipliers. Edit: If you spend $10,000 on dining, you're going to get 31,000 points (30,000 now and 1,000 at your anniversary). Shroomie fucked around with this message at 04:58 on Aug 18, 2021 |
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Aug 18, 2021 04:55
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Yea it's not that good of a bonus. The $50 hotel rebate is nice, I guess. Also FYI if you have an AmEx and aren't using the return protection you're missing out.
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Aug 18, 2021 04:57
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I have fraudulent charges of $3000 pending on my Citi Double Cash card and they said they couldn't do anything because they are pending. This is also the second time this year the card has been compromised.
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Aug 24, 2021 15:14
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That's pretty standard. Have them overnight you a new card and dispute the bad charges.once they post. If it keeps happening I'd take a look at where you're using it to see if you can identify where it is getting lifted.
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Aug 24, 2021 15:58
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FunOne posted:That's pretty standard. Yup, and why Credit Cards > Debit Cards.
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Aug 24, 2021 16:37
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FunOne posted:That's pretty standard. Have them overnight you a new card and dispute the bad charges.once they post. I personally think there is some sort of insider issue with Citi cards, either in shipping, the post office, somewhere along the line. I've had my new Citi cards compromised twice before they even got to me in the mail. Both times Citi contacted me before I even knew there was a problem.
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Aug 24, 2021 16:59
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skipdogg posted:I personally think there is some sort of insider issue with Citi cards, either in shipping, the post office, somewhere along the line. I've had my new Citi cards compromised twice before they even got to me in the mail. Both times Citi contacted me before I even knew there was a problem. This happened to me with a Citi corporate card for work before I received it in the mail. Apparently it happened to a bunch of people that I worked with.
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Aug 24, 2021 17:37
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