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That's half of either of Amex Gold's credits, but better than nothing, and carryover is pretty nice.
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Apr 1, 2022 22:42
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Do you have to have DashPass to use that?
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Apr 2, 2022 16:59
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Small White Dragon posted:Do you have to have DashPass to use that? Dashpass is free if you have a CSR.
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Apr 2, 2022 17:37
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Thoguh posted:Dashpass is free if you have a CSR. I thought that was only for one years worth?
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Apr 2, 2022 17:45
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Small White Dragon posted:I thought that was only for one years worth? That's been extended as well.
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Apr 2, 2022 18:03
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How often do you have to use a CC to keep it from being cancelled? I am going to run through everything once this month and pay them all off. I know credit length is important, I am at like 4.5 years avg now and don't want to lose that, I know it stays on my record awhile anyway. Only reason I ask is because they cancelled my Kohls card a few years ago because I used it like once or twice. I stop using these cards when I get a new one, except for the Amazon 5% one. Thanks for reading!
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Apr 3, 2022 16:36
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I would just buy a tank of gas once every 6 months or a year to keep it active. I accidentally let my first credit card get canceled after I got my adult daily driver. Whoops! RIP that 12 year history
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Apr 3, 2022 16:44
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Michael Corleone posted:How often do you have to use a CC to keep it from being cancelled? I am going to run through everything once this month and pay them all off. I know credit length is important, I am at like 4.5 years avg now and don't want to lose that, I know it stays on my record awhile anyway. Only reason I ask is because they cancelled my Kohls card a few years ago because I used it like once or twice. I stop using these cards when I get a new one, except for the Amazon 5% one. Thanks for reading! https://www.doctorofcredit.com/which-banks-close-credit-cards-for-inactivity/ It really depends on the banks in question. Generally once every 6 months will for sure keep them open. Once a year will probably keep them open. Cards stay on your report for 10 years after being closed.
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Apr 5, 2022 18:14
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Do other people like plan out a credit card for different things? I went through kind of the 5% categories and stuff and ended up with a spreadsheet saying charge this here and this here to maximize rewards.
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Apr 5, 2022 18:42
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pseudanonymous posted:Do other people like plan out a credit card for different things? I think doing this to my wife would be grounds for divorce.
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Apr 5, 2022 19:04
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pseudanonymous posted:Do other people like plan out a credit card for different things? I think each individual has a certain tolerance for this. Personally I only carry 2 cards at any given time which is usually a daily driver and a 5% card for something specific.
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Apr 5, 2022 19:25
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Residency Evil posted:I think doing this to my wife would be grounds for divorce. One of my friends used a label maker to label all his wife’s cards. “Groceries” “Gas” “Restaurants” “Frivolous” Yes, really, and yes they’re still married.
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Apr 5, 2022 20:13
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Is there any actual benefit to an American Express Platinum card if you don't travel a lot? Amex keeps sending offers my way but I'm not seeing a lot of positives from "upgrading" from my Blue Cash Preferred card.
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Apr 5, 2022 21:09
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Virtue posted:I think each individual has a certain tolerance for this. Personally I only carry 2 cards at any given time which is usually a daily driver and a 5% card for something specific. My thought was more like recurring bills and getting those maximized and mostly just getting a good 2.5% cashback card for everything else, not literally having like 10 cards in my wallet.
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Apr 5, 2022 21:43
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I carry my daily driver cards physically, but I have my specialty cards loaded in my digital wallet (Samsung Pay for me), so I can bust them out whenever I need to and still don't have to carry a dozen cards.
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Apr 5, 2022 21:49
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The biggest scam is having the bonus category be recurring stuff like streaming services or utilities because they want you to switch it and then forget to switch it back.
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Apr 5, 2022 23:40
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And that's why you get the US Bank Cash+.
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Apr 6, 2022 00:35
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smackfu posted:The biggest scam is having the bonus category be recurring stuff like streaming services or utilities because they want you to switch it and then forget to switch it back. i just got the blue cash preferred kuz well babby wanted a cool amex to be classy but also kuz its 6% back on streaming things and also grocery. 3% on gas also. not bad. anyways i pay for literally every streaming service which all my rich STEM friends leech and yet theyve never given me a cent? hmmmmm??????? ghost of karl marx i need you now. seek righteous vengeance on these vampires
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Apr 6, 2022 01:45
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amex gave me 23% apr and 1k limit lol. wow. stingy fuckers. like 750 credit score or smth. hosed up. will continue to strive for embiggeringment of the credit number
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Apr 6, 2022 01:47
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pseudanonymous posted:Do other people like plan out a credit card for different things? Easiest strategy is one 2% or more cash back card. Easy peasy. A combo strategy can squeeze a little more value. 2% driver plus a rewards card with some 3-6% categories. Not too tricky. Min-maxers end up with three or more cards, using each one for a different specific purpose. Detailed point redemption/multiplier rules are involved, but the effective reward rate jumps to 3-10% BabyJebus posted:One of my friends used a label maker to label all his wife’s cards. Is your friend Ask Sebby?
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Apr 6, 2022 02:35
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Hello, I use different cards based on which gets the best deal on each purchase. Currently I have 6 credit cards in my wallet.
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Apr 6, 2022 02:37
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Shear Modulus posted:Hello, I use different cards based on which gets the best deal on each purchase. Currently I have 6 credit cards in my wallet. costanza wallet rear end mf
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Apr 6, 2022 02:40
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BabyJebus posted:One of my friends used a label maker to label all his wife’s cards. I did this for my dad. I have cards I carry, store cards, and other online only cards to max rewards and use them accordingly, it becomes muscle memory extremely quickly. Girbot fucked around with this message at 02:54 on Apr 6, 2022 |
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Apr 6, 2022 02:51
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Smythe posted:costanza wallet rear end mf opening up your accordion wallet and it flops down from your hand to the floor, as one does
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Apr 6, 2022 03:14
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Smythe posted:costanza wallet rear end mf New thread title
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Apr 6, 2022 04:57
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6 is more than usual because i need to test to see if my alliant 2.5% is actually going to give me 2.5% this quarter or if i need to use the fidelity 2% The 6 also includes the costco card which i really don't need to carry around unless I'm going to costco because besides using as a costco membership card i normally only use it when buying gas (4%) but the discover it is doing 5% on gas this quarter e: oh wait, i also only buy gas at costco because it's always cheaper but they dont take discover anyway so i don't need to carry the discover around at all
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Apr 6, 2022 05:03
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I got this new CITI card and it gives you 5% back on the category you spend most on each month automatically, we'll see how that works, usually it is gas stations for me because I drink a lot.
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Apr 6, 2022 11:53
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Michael Corleone posted:I got this new CITI card and it gives you 5% back on the category you spend most on each month automatically, we'll see how that works, usually it is gas stations for me because I drink a lot. They also just opened up to being allowed to product change to this card. I changed my Double Cash to the Custom Cash since I have the Fidelity 2% as well and can now have another 5% category instead of having 2 last resort cards. No signup bonus with product change, but I want to keep my inquiries low for the time being. Was an easy 10 minute phone call.
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Apr 6, 2022 16:43
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pseudanonymous posted:Do other people like plan out a credit card for different things? When I was aiming for cash back I had like a 6 card setup planned out but then I realized I don't want to carry 6 fuckin cards around and also I want a bunch of points to go on sick vacations. So now I just carry whatever card I'm churning plus my Amex Gold and CSP as backups. Edit: There's an app called Max Rewards some YouTube credit card dudes shill for that is cool and tells you which card gives you the best bonus wherever you're at. Some people got their Chase accounts locked down because it was logging in too much or didn't handle 2FA right or something, though. So use at your own risk I guess. Smythe posted:amex gave me 23% apr and 1k limit lol. wow. stingy fuckers. like 750 credit score or smth. hosed up. will continue to strive for embiggeringment of the credit number There was a time you could request and get a 3X credit limit increase at 61 days of account age. Then people started saying it was 91 days. IDK though I got denied at both lmao. Probably because I got 2 other cards from them in that time. Shroomie fucked around with this message at 17:25 on Apr 6, 2022 |
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Apr 6, 2022 17:23
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The Amex platinum digital entertainment credit is actually useable for something good now:quote:Experience the latest shows, audiobooks, music, news, and recipes. Get up to $20 in statement credits each month when you use your Platinum Card® for eligible purchases on: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times when you purchase directly from one or more of the providers. This can be an annual savings of up to $240.
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Apr 7, 2022 02:45
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Cacafuego posted:The Amex platinum digital entertainment credit is actually useable for something good now: This makes the math work out a lot easier to keep my Platinum. I'm getting a banner on the Amex website that I'm pre-approved for a Business Gold Card with an 80,000 point SUB. I was planning on working through a few business cards soon anyway, so maybe I'll take them up on the offer if it's still there after I hit my personal Platinum SUB.
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Apr 7, 2022 05:14
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Has anyone ever actually had a credit card chargeback fail with an amex platinum? I had a $500 thing get rejected by papal and then escalated to amex, submitted my docs, typed up a summary and was going to submit that and by the time I saved the doc to pdf they had already approved and closed my chargeback. I'm sure if it's like, $10,000+ it gets more scrutiny but I was expecting at least a 24 hour turn around
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Apr 7, 2022 05:44
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Hadlock posted:Has anyone ever actually had a credit card chargeback fail with an amex platinum? I had a $500 thing get rejected by papal and then escalated to amex, submitted my docs, typed up a summary and was going to submit that and by the time I saved the doc to pdf they had already approved and closed my chargeback. I'm sure if it's like, $10,000+ it gets more scrutiny but I was expecting at least a 24 hour turn around Nope. Same with return protection. It’s great.
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Apr 7, 2022 13:38
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Chase appears to have extended the 50% bonus on pay yourself back at restaurants until 6/30/2023.
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Apr 7, 2022 15:12
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Thoguh posted:Chase appears to have extended the 50% bonus on pay yourself back at restaurants until 6/30/2023. Note that this is only for the Chase Sapphire Reserve. For other cards, PYB is near useless now.
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Apr 7, 2022 20:12
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I think I remember someone in this thread sharing a site or system for figuring how best to use your different reward points for specific travel. Am I making that up or does anyone else remember / know what I'm talking about? For example, if you had points in Chase's ecosystem and Citi, you could put your destination and you could see which airlines you could transfer to / hotel partners / etc.
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Apr 8, 2022 00:39
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I don't know if this is a good thread to ask but I suck at finances and I'm in credit card debt due to a long long span of anxiety and depression and I'm coming out of it slowly but still on disability. I was looking into refinancing my 3 lines of credit (Chase, Amazon and Paypal) into one and starting a plan to pay them off in a few years. I'm on a limited budget at the moment and right now I'm not making a dent in any of these bills as all the cards are pretty much maxed. My credit is "fair" and it is definitely all the debt that's dragging it down. Is there anything I can do or am I pretty much screwed? Are there any credit consolidation services any goons would recommend? My credit card debt is currently about 8200 which I'm sure is not a lot to some people but it is to me. If I'm ever going to have anything for myself I need to take steps to deal with these financial issues. If anyone can point me in the right direction I would be eternally grateful.
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Apr 8, 2022 05:46
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The newbie thread is probably more appropriate - this thread is mainly for credit card rewards, not personal finance in general. There are lots of tips and links in that thread, but the universal truth is that the first step to getting out of a hole is to stop digging. Make a budget and, just as importantly, stick to it. I sincerely wish you the best of luck.
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Apr 8, 2022 11:22
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Chaotic Flame posted:I think I remember someone in this thread sharing a site or system for figuring how best to use your different reward points for specific travel. Am I making that up or does anyone else remember / know what I'm talking about? For example, if you had points in Chase's ecosystem and Citi, you could put your destination and you could see which airlines you could transfer to / hotel partners / etc. You might want to ask in r/churning. Sounds like something they may be familiar with.
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Apr 8, 2022 11:41
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LazyDivey posted:I don't know if this is a good thread to ask but I suck at finances and I'm in credit card debt due to a long long span of anxiety and depression and I'm coming out of it slowly but still on disability. I was looking into refinancing my 3 lines of credit (Chase, Amazon and Paypal) into one and starting a plan to pay them off in a few years. I'm on a limited budget at the moment and right now I'm not making a dent in any of these bills as all the cards are pretty much maxed. My credit is "fair" and it is definitely all the debt that's dragging it down. Is there anything I can do or am I pretty much screwed? Are there any credit consolidation services any goons would recommend? My credit card debt is currently about 8200 which I'm sure is not a lot to some people but it is to me. If I'm ever going to have anything for myself I need to take steps to deal with these financial issues. Def ask in the newbie thread like stated. Maybe try to get everything transferred to a new card with 0 percent balance transfers for 12-15 months to stop the bleeding?
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Apr 8, 2022 12:22
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