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Shroomie posted:In my experience when Amex says a credit or bonus is going to take 8-12 weeks to post it's actually more like 48 hours. It was in fact two calendar days after the Delta charge cleared before I got the credit. Not bad at all.
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May 3, 2022 01:10
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Veskit posted:If you add an authorized user on a card in general (chase or amex) can you see which person made what charges or do they just all pool into the same account? My Chase cards for my wife have the same card number so no way to tell. Might be different for cards where you have to pay for the authorized user like CSR. Amex cards have a different card number and the authorized user is definitely not treated as the account owner and can only see their own charges when they log in. Primary user can see both and they are tagged with the account name.
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Oct 18, 2022 13:03
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Tried to contest a charge on my Apple Card through their app and was very not impressed with the experience. Dumped me into a Messages chat with “Apple” and said they would get back to me later. When they eventually messaged back, it wasn’t even someone from the bank side, it was someone from App Store support. After wasting my time for a bit more, they transferred me and the end result was “this cannot be resolved online, please call.” The future!
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Oct 22, 2022 13:38
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The CSR 1.5x Pay Yourself Back really makes most of the reward redemptions not very competitive. We booked a Hyatt Place on vacation and the redemption was okay and we saved a bit of money but nothing amazing considering we were locked into Hyatt properties.
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Oct 24, 2022 13:11
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Is there a particular Amex card that is a good daily driver, ignoring sign up bonuses?
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Oct 26, 2022 01:29
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Where’s that 2.8x Hyatt number coming from? Super high end properties? High season? I just was looking at Hyatts in NYC for March and I’d say the value ranged from 1.7x to 2.1x and the 2.1x was at the Park Hyatt for 80k points for a $1700 stay. Edit: guess that is Nerdwallets estimate and others value them more like 1.7x. smackfu fucked around with this message at 13:57 on Dec 1, 2022 |
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Dec 1, 2022 13:55
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If I still have an old Chase Freedom, can I product change a CSR into a Freedom Flex? Edit: Nevermind, I thought Freedom Flex replaced Freedom but I guess they are different. smackfu fucked around with this message at 04:04 on Dec 12, 2022 |
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Dec 12, 2022 03:58
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One weird thing is that they will often put both the business name and your name on the card, so for a sole prop it will have your name twice.
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Dec 29, 2022 15:47
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Did CSR keep restaurants for 2023 for pay-yourself-back or get rid of it? I closed mine so just curious.
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Jan 1, 2023 15:59
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Space Fish posted:I take back my earlier comment, Pay Yourself Back got even worse, and for both Sapphires: I thought you could always redeem points 1:1 for cash which makes this part meaningless.
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Jan 1, 2023 20:00
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The Amazon promos make sense to me because we have that card and never carry it. It’s just a permanent 5% discount at Amazon from our perspective.
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Jan 1, 2023 23:21
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Yeah it seems like maybe their pool of card numbers isn’t big enough and the expiration dates are too similar so people are getting fraud charges on their cards as soon as they are activated. Big mess.
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Jan 31, 2023 13:49
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Keep in mind that you do have to pay taxes on bank bonuses though, it’s treated exactly like interest.
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Feb 1, 2023 05:09
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Some of the airlines will try to sell you their card midway through the booking and those offers can be good bang for you buck. Like I got $300 off a Delta flight that way.
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Feb 4, 2023 16:03
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Inner Light posted:Hey thread, for sapphire reserve, the doordash membership is a ~12 month total benefit right , then the benefit is permanently gone and I have to shell out full price to renew doordash pass each year, is that right? Hmm, I cancelled my CSR, does that mean I have to manually cancel the Doordash thing?
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Feb 12, 2023 01:44
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It looks like some weird state where my DashPass doesn't expire until Dec 31, 2024, but if I don't pay on my (cancelled) CSR, I don't get the benefits. Anyways, I cancelled DashPass regarldess, and it says I can use the benefits until Jan 18, 2024. WTF
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Feb 12, 2023 01:58
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I imagine a lot of people literally only use their Amazon card at Amazon and lock up the physical card, so makes sense they would have promos to get more usage.
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Apr 22, 2023 15:20
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So annoyed that I’m in stupid Amex pop up jail for the green card. I just want something from Amex that gives decent restaurant rewards. But not badly enough that I will foregoing the sign up bonus obviously.
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Jun 11, 2023 18:57
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This scheme doesn’t make much sense to me. if you had two Roth IRAs at two different institutions, they would also easily let you overcontribute but that wouldn’t do you any good when the forms get sent to the IRS.
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Jun 18, 2023 15:40
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pseudanonymous posted:Schwab doesn’t consider them contributions and doesn’t report them as such. Wow. I agree this isn’t something I would want to involved myself in, it seems like the kind of loophole they close and then send corrected tax forms.
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Jun 18, 2023 17:31
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Shroomie posted:Two player mode. Amex giving out business card offers with no "once in a lifetime" clause like candy. Crazy offers to add 99 employee cards and get 5,000 points for each, and the phone reps will just put your name + roman numerals 1-99. Big Chase Ink SUBs. Massive Venture X Business SUBs. Some of that seems a little over the fraud line.
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Jun 24, 2023 14:53
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Is there really any difference between the travel portals and booking.com, which I’ve had pretty good success with?
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Jul 15, 2023 16:12
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Is this just general worry that you will sign up for the card and then tap to pay won’t work? That seems like something you could just complain about if it happens to you.
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Jul 16, 2023 15:05
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Or for instance you might have a ton of SPG points which were valuable and then Starwood went away.
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Jul 21, 2023 13:45
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drk posted:BCP also has 3% on gas and transit, and 6% on streaming services. Value depends on your spend and what other cards you have that might have similar benefits. They also count Apple App Store purchases as streaming services which is a nice bonus.
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Aug 13, 2023 13:18
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If you submit an application and aren’t eligible for the bonus, it will tell you before pulling your credit score and you can cancel the application. This is what they call “pop up hell” because it’s a pop up window.
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Aug 20, 2023 13:53
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Boris Galerkin posted:My first shock was finding out that I could go on Bank 1’s website and connect Bank 2 to it, all without going to Bank 2’s website. Then, still on Bank 1’s website, I could initiate a transfer to move money from Bank 2 into Bank 1. Again, all without leaving Bank 1’s website or having Bank 2 ask me for explicit permission.
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Sep 4, 2023 19:52
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Well, now we are back to credit cards, where I want to pay my credit card bill from my account at Bank 2 but initiated via the Chase site.
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Sep 5, 2023 02:25
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Some interesting Amex Offers showed up for 20% off on large single purchases in France, Italy, or the UK. Wonder if there is a way to take advantage of I’m not actually in any of those countries.
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Sep 17, 2023 15:20
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Ah yes, didn’t realize it was for a very limited set of merchants so never mind.
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Sep 18, 2023 01:58
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I don’t think it will work, to be honest. You’ll type in the routing number and it will say it’s not valid.
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Sep 20, 2023 12:15
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We switched to straight cash cards last year instead of points-earning ones. I think that was an okay decision but I do miss being able to book hotels with points.
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Sep 25, 2023 19:30
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Josh Lyman posted:Is this because you were able to get nicer hotels for "cheaper" using points or because it felt like you were booking "for free" when using points? Thinking more, it was mainly transferring Chase points to Hyatt and getting very good value. Two examples from 2022: Hyatt Place in SLC for two nights for 17,500 points. Andaz in NYC for two nights for 50,000 points. Those were both over 2.5 cents per point compared to the going rate at the time. Also I’d be reluctant to spend that much on the NYC rooms in cash just on principle. The other good hack is when points stays are a fixed rate but the cash rate is artificially high. We wanted to go to Carlsbad Caverns and all the hotels in Carlsbad were $300 a night because all the oil industry guys were staying there and I guess they jacked the rates. But in the system it was still a category two so only 20K Marriott points for two nights.
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Sep 25, 2023 23:27
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I will say that having cash back that can only be used as a statement credit doesn’t feel like as much of a bonus as “free” hotel rooms. All the statement credit does is change my autopay amount which I don’t pay attention to anyway. (This is totally an arbitrary mental thing, I know.)
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Sep 26, 2023 12:52
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Very random they only take one card type in store and two card types online. Must be some odd exclusive deal they have with Visa.
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Nov 26, 2023 15:19
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Also worth checking if your insurance provider has a version that is cheaper. Ours at State Farm is under $5 per car for six months. Our new car is actually under $1, I guess they must do actual insurance calculations to price it.
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Nov 27, 2023 18:58
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saintonan posted:Since the major value of UR/MR is transferring directly to airlines (or Hyatt in the case of UR, the only hotel transfer partner I'd recommend), this is a pretty big deficiency. If and when Hyatt nerfs their program, it will be a sad day. Is the issue with the other hotel transfers that the programs have so devalued their points that it’s worth less than 1 cent per point?
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Nov 29, 2023 14:01
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drk posted:Technically a monthly fee is not an annual fee My annual compliance training at work would be very unhappy with that “technically.” Implying stuff is free when it’s not is like the biggest sin of false advertising.
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Mar 27, 2024 12:58
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| # ¿ May 21, 2024 02:21 |
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“IRA transfers and old 401(k) rollovers also earn 3% until April 30.” Just have to keep subscribed to Gold for one year. Edit: sorry, also: “Keep in mind, you must hold the funds in your IRA for at least 5 years to keep the match, and be a Robinhood Gold subscriber for 1 year after the first deposit that earns the 3% match.” https://robinhood.com/us/en/support/articles/ira-gold-match-2024/ smackfu fucked around with this message at 13:22 on Apr 2, 2024 |
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Apr 2, 2024 13:13
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