DansDeals.com Forums

DansDeals Forum => Start Here! => Topic started by: sky121 on May 03, 2012, 10:43:16 PM

Title: Questions and Help for BEGINNERS!
Post by: sky121 on May 03, 2012, 10:43:16 PM
For all your beginners out there, here's a thread for all your questions-
 Welcome!

       For all your "experts" out there. Please only post helpful and patient responses without degrading people and making them feel bad for being a beginner!

Try to keep your responses as simple and detailed as possible!!



                             
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on May 03, 2012, 10:44:24 PM
Add to OP?



Acronyms Thread for the Uninitiated (http://forums.dansdeals.com/index.php?topic=10531.msg127893#msg127893)

Airline And Travel Related Acronyms (http://forums.dansdeals.com/index.php?topic=13317.msg163429#msg163429)
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on May 03, 2012, 10:53:46 PM
And of course this thread wouldn't be complete without

1. Topic: Signing up for multiple cards help - here (http://forums.dansdeals.com/index.php?topic=5423.msg62399#msg62399), here (http://forums.dansdeals.com/index.php?topic=10596.msg129082#msg129082), here (http://forums.dansdeals.com/index.php?topic=10569.0), here (http://forums.dansdeals.com/index.php?topic=5547.0)
2. Topic: Buying gift cards/credit cards to rack up points - OK
3. Topic: Credit Score before and after 3bm - here (http://forums.dansdeals.com/index.php?topic=6355.0), here (http://forums.dansdeals.com/index.php?topic=8028.0)
4. Topic: Does the 3bm work for the same exact card - here (http://forums.dansdeals.com/index.php?topic=6355.0)
5. Topic: Which credit cards have a high spending requirement - here (http://forums.dansdeals.com/index.php?topic=8028.0), here (http://forums.dansdeals.com/index.php?topic=10458.0)
6. Topic: Anyone get the Kindle Fire or Nook Tablet? - here (http://forums.dansdeals.com/index.php?topic=9717.msg117173#msg117173), here (http://forums.dansdeals.com/index.php?topic=9356.0), here (http://forums.dansdeals.com/index.php?topic=9717.msg121552#msg121552)
7.  Topic: Contest idea  - OK (maybe should be in Just shmooze
8. Topic: Text message only plan - here (http://forums.dansdeals.com/index.php?topic=8753.msg104442#msg104442), here (http://forums.dansdeals.com/index.php?topic=9013.msg108003#msg108003)
9. Topic: What is the difference between regular miles and Medallion miles - here (http://forums.dansdeals.com/index.php?topic=1815.msg15078#msg15078), here (http://forums.dansdeals.com/index.php?topic=1815.msg15078#msg15078), here (http://www.delta.com/skymiles/about_skymiles/index.jsp?t_cc=sm0060)
10. Topic: What is the best site (or sites) to get credit score? - here (http://forums.dansdeals.com/index.php?topic=1246.0), here (http://forums.dansdeals.com/index.php?topic=10753.msg131692#msg131692), here (http://forums.dansdeals.com/index.php?topic=3959.0), here (http://forums.dansdeals.com/index.php?topic=4245.msg45020#msg45020)
11.  Topic: How much can one make from credit cards? - here (http://forums.dansdeals.com/index.php?topic=10458.0)
12. Topic: Malcolm Gladwell video - OK
13. Topic: Explanation of card abbreviations in this forum - here (http://wiki.dansdeals.com/Acronyms), here (http://forums.dansdeals.com/index.php?topic=10531.0)
14. Topic: Web code to zoom in on images help here (http://bit.ly/w3zcH0)
15. Topic: Best site(s) for online trading - OK
16. Topic: Flash for Canon dslr camera - OK
17.  Topic: What do people do after first year of having a card - here (http://forums.dansdeals.com/index.php?topic=7747.msg90206#msg90206), here (http://forums.dansdeals.com/index.php?topic=9.0)
18. Topic: iPod touch accessories recommendation - here (http://forums.dansdeals.com/index.php?topic=11604.0)
19. Topic: AMEX Black - here (http://forums.dansdeals.com/index.php?topic=847.msg6919#msg6919), here (http://forums.dansdeals.com/index.php?topic=352.msg3674#msg3674)
20. Topic: What does it take to get banned from a credit card? - here (http://forums.dansdeals.com/index.php?topic=11216.0)
21. Topic: Are there cards that allow you to pay balance with debit cards? - here (http://forums.dansdeals.com/index.php?topic=10242.msg123740#msg123740)
22.  Topic: How long do banks keep info for? - here (http://forums.dansdeals.com/index.php?topic=9909.msg119502#msg119502)
23.  Topic: Looking to do two 3bms? - here (http://forums.dansdeals.com/index.php?topic=8241.msg96883#msg96883), here (http://forums.dansdeals.com/index.php?topic=6355.msg128589#msg128589)
24. Topic: How do I get my gmail to forward to my iPod? - here (http://bit.ly/uqJ5in)
25.  Topic: 3bm Platinum, Gold, and Starwoods - here (http://forums.dansdeals.com/index.php?topic=6355.msg128589#msg128589) and many more 3bm threads besides a few of your own!

Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on May 03, 2012, 10:57:01 PM
And of course this thread wouldn't be complete without

Lol..what a way to overwhelm everybody. :)
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on May 04, 2012, 01:37:44 AM
Let me start off with a couple of questions. If I don’t get flamed I would say it is safe for anyone to ask a question.  :)

I just booked a ticket on BA flying on AA. One day between booking and flying. I was charged 20k points and a $5 fee. I was surprised I wasn’t charge some sort of fee for booking so late. Is this the way most programs work?

If I transfer points from one BA account to another family members BA account will this extend the time of expiation?
Title: Re: Questions and Help for BEGINNERS!
Post by: YOSEF on May 04, 2012, 01:40:00 AM
I just booked a ticket on BA flying on AA. One day between booking and flying. I was charged 20k points and a $5 fee. I was surprised I wasn’t charge some sort of fee for booking so late. Is this the way most programs work?
Most is a very strong word.
Some programs charge close-in booking fees and some don't.
Its part of the whole rubric of how to figure out which FF program to use.
BTW, the $5 was taxes, not a fee.
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on May 04, 2012, 01:42:27 AM
Let me start off with a couple of questions. If I don’t get flamed I would say it is safe for anyone to ask a question.  :)

I just booked a ticket on BA flying on AA. One day between booking and flying. I was charged 20k points and a $5 fee. I was surprised I wasn’t charge some sort of fee for booking so late. Is this the way most programs work?

If I transfer points from one BA account to another family members BA account will this extend the time of expiation?

All programs are different.  BA happens to have no "close-in" fees, which make it an excellent value for last-minute tickets.  In general it's an excellent program for short-haul nonstop flights but a terrible program if you're trying to fly across the pond due to bogus fuel surcharges.

I'm not an expert on family accounts, but are you sure it's possible to actually transfer points like that?
Anyway any activity (redeem/earn) should extend everything for 36 months.
Title: Re: Questions and Help for BEGINNERS!
Post by: txtmax4 on May 04, 2012, 01:52:17 AM
Great thread idea! This way DDf'ers wont get annoyed when n00bs ask simple questions and whoever wants to ask can have a shot in this thread.
Although I doubt this will keep spam off other threads.
Maybe there should be a sticky of this on each of the forum sections so n00bs can try their luck there before spamming and OTing good threads.
Mods?
Title: Re: Questions and Help for BEGINNERS!
Post by: SuperFlyer on May 04, 2012, 03:18:17 AM
I hate to rain on the parade, but this thread is growing way too fast for a noob to follow, unless a just a quenstion and answer thread with additional patience.
I thought it would be a kind of DDF 4 Dummies, teaching them how to use the site, and the basics of the popular subjects so that they can jump in the regular threads.

I don't mind doing it, but would need a way to edit (my) first post of the thread, so that it can be updated, based on the posts later on in the thread. (A bit like the trip report master thread)
Title: Re: Questions and Help for BEGINNERS!
Post by: ChAiM'l on May 04, 2012, 06:55:16 AM
I don't mind doing it, but would need a way to edit (my) first post of the thread,

In other words...

I wanna be a mod too...
Title: Re: Questions and Help for BEGINNERS!
Post by: SuperFlyer on May 04, 2012, 07:22:51 AM
In other words...


No, in other words, despite my overfull schedule, I'm willing to give beginners a fair chance.

I just need to be able to edit the first post of the thread, and update with fresh or corrected info.

I help way more people off ddf than on the forum, so I'm not looking for status or gratification of some sort.

I sleep an average of 3 hours a night, so i'm really not looking for extra duties.
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: ChAiM'l on May 04, 2012, 10:17:58 AM
No, in other words, despite my overfull schedule, I'm willing to give beginners a fair chance.

I just need to be able to edit the first post of the thread, and update with fresh or corrected info.

I help way more people off ddf than on the forum, so I'm not looking for status or gratification of some sort.

I sleep an average of 3 hours a night, so i'm really not looking for extra duties.

Sorry I left out the '/jk'...
Title: Re: Questions and Help for BEGINNERS!
Post by: Side incomer on May 04, 2012, 11:09:57 AM
If I transfer points from one BA account to another family members BA account will this extend the time of expiation?
This is not called tranferring, is called pooling in a household account, which means everybody stays with their own account, the only thing is that the system will take out per portion from every account every time you book.
So, this will NOT extend the expiration date.
Title: Re: Questions and Help for BEGINNERS!
Post by: SuperFlyer on May 04, 2012, 11:37:40 AM
Sorry I left out the '/jk'...

No problem, as I have a busy schedule, I dont really have the time to start getting upset at people  ;-)
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on May 04, 2012, 12:42:10 PM
Great thread idea! This way DDf'ers wont get annoyed when n00bs ask simple questions and whoever wants to ask can have a shot in this thread.
Although I doubt this will keep spam off other threads.
Maybe there should be a sticky of this on each of the forum sections so n00bs can try their luck there before spamming and OTing good threads.
Mods?
I wish we had something like this that you must watch to register


No problem, as I have a busy schedule, I dont really have the time to start getting upset at people  ;-)
And now we know your trick. Hopefully some people here will learn from it, and follow suit.
Title: Re: Questions and Help for BEGINNERS!
Post by: aussiebochur on May 04, 2012, 04:57:33 PM
Thats awesome!!!
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on May 08, 2012, 01:50:18 AM
I have given away eBay GC’s if a donation was made to a charity. Can this be done with an airline ticket? Would it violate DDF or the various airline rewards program rules?
Title: Re: Questions and Help for BEGINNERS!
Post by: AsherO on May 08, 2012, 03:03:13 AM
I hate to rain on the parade, but this thread is growing way too fast for a noob to follow, unless a just a quenstion and answer thread with additional patience.

As others have suggested, this section should really be a forum of its own.

In other words...

Lehavdil...

Besides, cut me some slack, that was my first post :P
Title: Re: Questions and Help for BEGINNERS!
Post by: PlatinumGuy on May 08, 2012, 03:49:28 AM
I have given away eBay GC’s if a donation was made to a charity. Can this be done with an airline ticket? Would it violate DDF or the various airline rewards program rules?
I guess giving something in return for a donation isn't bartering, more like giving away to a friend. If the airline allows it, I'm sure Dan will.

Just a piece of advice, keep the actual flight info via pm so an airline doesn't try to track him down (they've been known to do that).
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on May 08, 2012, 08:15:38 AM
I guess giving something in return for a donation isn't bartering, more like giving away to a friend. If the airline allows it, I'm sure Dan will.

Just a piece of advice, keep the actual flight info via pm so an airline doesn't try to track him down (they've been known to do that).
huh?  First you said make sure the airline allows it then you said the airline might track him down. If they allow it why would they track him down?  ???
Title: Re: Questions and Help for BEGINNERS!
Post by: PlatinumGuy on May 08, 2012, 09:01:13 AM
huh?  First you said make sure the airline allows it then you said the airline might track him down. If they allow it why would they track him down?  ???
They might wanna know who someone on the forum is regardless of this transaction.
And the airlines will hit u even if u only do things that are allowed. A few stories here + the AA AirPass thread.
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on May 11, 2012, 01:14:35 AM
if i want to churn a UA card and a sapphire card, whats the best way. close them (move credit over etc) and then wait x days?
Title: Re: Questions and Help for BEGINNERS!
Post by: txtmax4 on May 11, 2012, 01:26:28 AM
I wish we had something like this that you must watch to register

 And now we know your trick. Hopefully some people here will learn from it, and follow suit.
One of the best videos I've ever watched.
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on May 14, 2012, 03:01:08 AM
One of the best videos I've ever watched.
thats video is too true! lol

and regarding this thread... i dont think itll really work unless stickied, bec n00b's won't really find/search for it!
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on May 14, 2012, 06:00:25 PM
For a ticket booked with avios on AA, does it make a difference if I checkin online/print the boarding pass from AA.com or BA.com ?
Title: Re: Questions and Help for BEGINNERS!
Post by: PlatinumGuy on May 14, 2012, 07:25:40 PM
For a ticket booked with avios on AA, does it make a difference if I checkin online/print the boarding pass from AA.com or BA.com ?
BA.com will take you right to AA.com to checkin/print, but it will save you looking for your AA PNR on checkmytrip
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on May 16, 2012, 12:53:12 AM
When renting a car, you have the option to purchase LI (liability) insurance from the rental agency. They usually charge between $12-$17 a day.

If the renter declines that insurance,  and is then in an accident ch"v, if he is at fault, what happens?

FWIU There is liability on the car bec legally every vehicle needs liability in order to be on the road. - Its just that the rental agency will charge you a heavy "deductible" (e.g. $3000) for using their insurance .

Is this correct?

(Btw I've rented cars many times and I almost always pay for LI bec I don't have a clear answer to this question)

Any input is appreciated.  Thanx
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on May 16, 2012, 07:43:43 PM
When renting a car, you have the option to purchase LI (liability) insurance from the rental agency. They usually charge between $12-$17 a day.

If the renter declines that insurance,  and is then in an accident ch"v, if he is at fault, what happens?

FWIU There is liability on the car bec legally every vehicle needs liability in order to be on the road. - Its just that the rental agency will charge you a heavy "deductible" (e.g. $3000) for using their insurance .

Is this correct?

(Btw I've rented cars many times and I almost always pay for LI bec I don't have a clear answer to this question)

Any input is appreciated.  Thanx
do u have your own insurance?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on May 16, 2012, 07:49:43 PM
do u have your own insurance?

Yes and no. At times yes, at times no.

Do you mind explaining what would be in each scenario?
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on May 16, 2012, 08:21:33 PM
Yes and no. At times yes, at times no.

Do you mind explaining what would be in each scenario?
when you have your own insurance they will prob cover you. call to make sure.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on May 29, 2012, 11:37:33 AM
When booking a RT ticket with BA miles on AA there is a $58 tax charge.

Is that the same for a OW? I remember seeing that its only charged for RT. I'm on a mobile now so I can't check. Can anyone confirm?  Thanx

(Flight in question is JFK-YYZ)
Title: Re: Questions and Help for BEGINNERS!
Post by: PlatinumGuy on May 29, 2012, 11:41:42 AM
When booking a RT ticket with BA miles on AA there is a $58 tax charge.

Is that the same for a OW? I remember seeing that its only charged for RT. I'm on a mobile now so I can't check. Can anyone confirm?  Thanx

(Flight in question is JFK-YYZ)
jfk-yyz is only 2.50. Its the returnn leg that cost 54-56.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on May 29, 2012, 11:44:03 AM
jfk-yyz is only 2.50. Its the returnn leg that cost 54-56.

Thanx!
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on May 29, 2012, 11:48:36 AM
jfk-yyz is only 2.50. Its the returnn leg that cost 54-56.

Per pax, not per itinerary - correct?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on May 29, 2012, 01:04:33 PM
I don't see why this thread is a b00bie thread.
Most questions, especially HeloMe's, are really grown up questions.
(Dan didn't even know to answer one of HeloMe's questions).
Title: Re: Questions and Help for BEGINNERS!
Post by: lyla on June 03, 2012, 04:33:30 PM
I PM'd Dan and AsherO but never get a response so I will post here and maybe someone can answer me.
I have to pay my car insurance and would like to open a new credit card to get some benefit from it. I was thinking of opening the Ink card but I don't have a business per se. On all the other business cards I've opened (SPG, AMEX, citibusiness) they just asked a few questions but did not ask for a TIN. If I just put my SS# do you think that would be sufficient? Also how would I be able to get the old 5K minimum spending threshold? IS ink bold the best card to apply for? (I already have the SP) Also is there a link for sending a SM to chase? I'm not sure exactly how to do that.
Title: Re: Questions and Help for BEGINNERS!
Post by: myb821 on June 03, 2012, 04:35:05 PM
I PM'd Dan and AsherO but never get a response so I will post here and maybe someone can answer me.
I have to pay my car insurance and would like to open a new credit card to get some benefit from it. I was thinking of opening the Ink card but I don't have a business per se. On all the other business cards I've opened (SPG, AMEX, citibusiness) they just asked a few questions but did not ask for a TIN. If I just put my SS# do you think that would be sufficient? Also how would I be able to get the old 5K minimum spending threshold? IS ink bold the best card to apply for? (I already have the SP) Also is there a link for sending a SM to chase? I'm not sure exactly how to do that.
why would you PM them and not just ask where anyone can answer?
Title: Re: Questions and Help for BEGINNERS!
Post by: AsherO on June 03, 2012, 04:37:22 PM
I don't see why this thread is a b00bie thread.

Freudian slip? :P

I PM'd Dan and AsherO but never get a response so I will post here and maybe someone can answer me.

Good idea :D

I have to pay my car insurance and would like to open a new credit card to get some benefit from it. I was thinking of opening the Ink card but I don't have a business per se. On all the other business cards I've opened (SPG, AMEX, citibusiness) they just asked a few questions but did not ask for a TIN. If I just put my SS# do you think that would be sufficient? Also how would I be able to get the old 5K minimum spending threshold? IS ink bold the best card to apply for? (I already have the SP) Also is there a link for sending a SM to chase? I'm not sure exactly how to do that.

SP (as in sole proprietorship) using your SSN will work for Ink Bold, they might have questions about your business, so have your story prepared. I don't know if you'll be able to match to the $5k spend threshold, but you can try via SM once you're approved. Ink is a good signup bonus card, and pretty good for spend too.

why would you PM them and not just ask where anyone can answer?

+1
Title: Re: Questions and Help for BEGINNERS!
Post by: lyla on June 03, 2012, 04:40:14 PM
why would you PM them and not just ask where anyone can answer?
Because I read searched through all the posts and could not find an answer and was afraid to post without someone yelling at me that I should read all the posts. When I found this thread I decided to take the leap and post it.
Title: Re: Questions and Help for BEGINNERS!
Post by: lyla on June 03, 2012, 04:43:06 PM

When I wrote SP I meant Saphire preferred
Title: Re: Questions and Help for BEGINNERS!
Post by: AsherO on June 03, 2012, 04:46:27 PM
When I wrote SP I meant Saphire preferred

I think I understood what you wrote ::)
Title: Re: Questions and Help for BEGINNERS!
Post by: lyla on June 03, 2012, 04:48:17 PM
How would I try to get the 5k spend limit? I never sent a SM - is there a link to do that?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on June 03, 2012, 04:49:00 PM
And what does that have to do with paying your car insurance? AFAIK there is no card that would give you something special for spending on car insurance.
Def. Go for Ink Bold, even you won't get a match you still get 25k for $1 spend + good chances for match to at least 50k and maybe 60k.
Good luck!
Title: Re: Questions and Help for BEGINNERS!
Post by: lyla on June 03, 2012, 04:50:56 PM
And what does that have to do with paying your car insurance? AFAIK there is no card that would give you something special for spending on car insurance.
Def. Go for Ink Bold, even you won't get a match you still get 25k for $1 spend + good chances for match to at least 50k and maybe 60k.
Good luck!
I would charge my insurance payment on the card.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on June 03, 2012, 04:52:21 PM
It doesn't matter, brother.
Title: Re: Questions and Help for BEGINNERS!
Post by: lyla on June 03, 2012, 04:53:34 PM
It doesn't matter, brother.
What doesn't matter? I was just answering your question.
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on June 03, 2012, 09:57:24 PM
What doesn't matter? I was just answering your question.
i think he meant that based on the answer u gave it doesnt matter what card. meaning there is no special benefit for spending on car insurance (other than bonus points for being in a rotating catergory of a chase card etc. s/o else will have to elaborate on that)
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on June 03, 2012, 10:09:45 PM
+1
Sometimes I don't feel it to answer a Q that could be self understood even without a search....
Title: Re: Questions and Help for BEGINNERS!
Post by: lyla on June 04, 2012, 07:43:19 AM
+1
Sometimes I don't feel it to answer a Q that could be self understood even without a search....
I understand. Thanks for your input. It is much appreciated.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 04, 2012, 12:25:03 PM
Can I change my address with Starwood and then easily transfer points from my friends account at that address to my own?
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on June 04, 2012, 12:32:07 PM
Can I change my address with Starwood and then easily transfer points from my friends account at that address to my own?
YMMV sometimes it will go and other times they will ask for proof if its less than 30? days
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 04, 2012, 01:41:20 PM
YMMV sometimes it will go and other times they will ask for proof if its less than 30? days

 But if it's more than 30 days should it be fine? Or can I just open a new account with that address and then combine later on?
Title: Re: Questions and Help for BEGINNERS!
Post by: Smartypantz on June 04, 2012, 01:43:42 PM
Whats the best way to write an SM to get matched for United 55K and $50 Statement credit?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 04, 2012, 02:20:56 PM
Whats the best way to write an SM to get matched for United 55K and $50 Statement credit?

Are you asking WHAT  you should write?

Write you are a loyal customer and just recently applied and want them to honor the better offer you received.
Title: Re: Questions and Help for BEGINNERS!
Post by: lyla on June 04, 2012, 04:58:36 PM
How exactly do you send an SM to chase?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 04, 2012, 05:01:30 PM
How exactly do you send an SM to chase?

When signed into your Chase account online look for the Secure Message Center Link on the upper right hand side.
From there you can send them a message.
Title: Re: Questions and Help for BEGINNERS!
Post by: lyla on June 04, 2012, 06:00:11 PM
When signed into your Chase account online look for the Secure Message Center Link on the upper right hand side.
From there you can send them a message.
Thanks.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on June 08, 2012, 01:18:43 AM
I just closed a SPG Business card and received this message: “You will receive a prorated Annual Membership Fee credit of $10.83 on the Basic Card.” The thing is I never paid an annual fee. Is this normal?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 22, 2012, 07:26:06 PM
If I applied for a CC in March and then a business one in April am I ok to apply for a new personal?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 22, 2012, 07:27:15 PM
If I applied for a CC in March and then a business one in April am I ok to apply for a new personal?
YMMV :P (Which bank/s?)
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 22, 2012, 07:32:12 PM
YMMV :P (Which bank/s?)

Woops, Chase.
Title: Re: Questions and Help for BEGINNERS!
Post by: AsherO on June 22, 2012, 07:36:30 PM
Woops, Chase.

If you're reporting income, have a nice score, and not too many outstanding CLs/cards, you should wait 60 days (at very least 30 days) since your last Chase app to apply. Once applying, consider doing a 2/3bm to get the most out of the credit pull.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 22, 2012, 08:41:47 PM
Thanks. It all worked out. Closed a United card. Then reapplied for it again. Probably not the smartest thing in the world to do. I couldn't claim I needed two for spending because I haven't used it in forever on that persons account. And so many of the accounts still have United cards or even two since the Continental ones turned into United also. I want to keep taking advantage of the 55,000 offer right now.
Title: Re: Questions and Help for BEGINNERS!
Post by: YakovT on June 23, 2012, 09:20:19 PM
does the trick of getting put on parents credit cards for 3 months still work to build credit? dan said a few yrs ago it wont last. and no one answered me there, http://www.dansdeals.com/archives/2902/comment-page-1#comment-134282
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 23, 2012, 10:21:11 PM
does the trick of getting put on parents credit cards for 3 months still work to build credit? dan said a few yrs ago it wont last. and no one answered me there, http://www.dansdeals.com/archives/2902/comment-page-1#comment-134282

I think it does if you are a joint user.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 27, 2012, 05:32:40 PM
I have an account that has only 1 Chase account open. Can I do a 2BM? I'm afraid they'll want me to close down 2 cards (1 to get each card approved)

Thoughts?
Title: Re: Questions and Help for BEGINNERS!
Post by: U-no-me! on June 27, 2012, 05:40:24 PM
I have an account that has only 1 Chase account open. Can I do a 2BM? I'm afraid they'll want me to close down 2 cards (1 to get each card approved)

Thoughts?

I'm not sure I understand your question correctly. It seems as if your asking to do a 2bm when you only have 1 active card? if that's indeed the question, why would it make a differnce. do a 2bm.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on June 27, 2012, 05:48:31 PM
I have an account that has only 1 Chase account open. Can I do a 2BM? I'm afraid they'll want me to close down 2 cards (1 to get each card approved)

Thoughts?

You don't *have* to have 2 cards to do a 2BM. That would only be true if working off the premise that for one to be approved for a 2BM, you'd have to close one old card in favor of a new card. But you don't.

If you only have one card, either your CR can support an additional 1 (or 2 depending on how you look at it), or it won't. But prepare to recon.
Title: Re: Questions and Help for BEGINNERS!
Post by: Zeeeeks on June 28, 2012, 10:55:21 AM
After closing a card, how long do you need to wait before reapplying for the card again?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 28, 2012, 11:09:56 AM
After closing a card, how long do you need to wait before reapplying for the card again?
I've done A couple hours. But I'd wait a day because it didn't show the card was closed when I applied.
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: Zeeeeks on June 28, 2012, 11:12:46 AM
I've done A couple hours. But I'd wait a day because it didn't show the card was closed when I applied.
Did you get the new card approved?
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 28, 2012, 11:17:31 AM
Did you get the new card approved?
Yup. Did one after an hour. And a different one a day after. The later was an instant approval.
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: Zeeeeks on June 28, 2012, 11:18:07 AM
Yup. Did one after an hour. And a different one a day after. The later was an instant approval.
Thanks :)
Title: Re: Questions and Help for BEGINNERS!
Post by: Avid Reader on June 28, 2012, 11:27:36 AM
Yup. Did one after an hour. And a different one a day after. The later was an instant approval.
Which bank, Chase?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 28, 2012, 11:28:55 AM
Which bank, Chase?

Yup.
Title: Re: Questions and Help for BEGINNERS!
Post by: pianodude on June 28, 2012, 02:42:46 PM
Quote
After closing a card, how long do you need to wait before reapplying for the card again?

Did one after an hour. And a different one a day after. The later was an instant approval.

Which bank, Chase?

Yup.


Which card(s) with Chase?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 28, 2012, 02:44:38 PM
Which card(s) with Chase?

United Explorer.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 28, 2012, 02:45:16 PM
Is trading miles allowed on the forums? I have some Amex I need to swap for UR points.
Title: Re: Questions and Help for BEGINNERS!
Post by: pianodude on June 28, 2012, 02:53:15 PM
United Explorer.

Have you closed/reapplied with other banks, Amex, etc.?  What was your experience?

Also, how many times have you closed/reapplied United Explorer cards?

My only successful churns of same cards have been Amex SPG Personal (same day close/reapply a couple years ago), Citi AA Amex & Visa (20 month wait), and Barclays USAir (12 month wait).

Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 28, 2012, 02:54:49 PM
Have you closed/reapplied with other banks, Amex, etc.?  What was your experience?

Also, how many times have you closed/reapplied United Explorer cards?

My only successful churns of same cards have been Amex SPG Personal (same day close/reapply a couple years ago), Citi AA Amex & Visa (20 month wait), and Barclays USAir (12 month wait).

I've only done the United about 3/4 times.
Title: Re: Questions and Help for BEGINNERS!
Post by: chaimmayer on July 02, 2012, 10:05:09 AM
I am not sure if I can ask a question here - it seems only people with thousands of posts are asking ;)

I have read on the forums that after a while when you log into chase you don't see your closed cc.  How long does that take?  I closed a sw card in feb. and a SP in april and I still see both of them.
Thanks
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 02, 2012, 10:07:07 AM
I am not sure if I can ask a question here - it seems only people with thousands of posts are asking ;)

I have read on the forums that after a while when you log into chase you don't see your closed cc.  How long does that take?  I closed a sw card in feb. and a SP in april and I still see both of them.
Thanks

You can hide them in your settings so you wont see them now.
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: mclovin on July 02, 2012, 10:07:39 AM
You can hide them in your settings so you wont see them now.
but chase will still see them, no?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: chaimmayer on July 02, 2012, 10:09:01 AM
but chase will still see them, no?
How long until Chase doesn't see them?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 02, 2012, 10:24:26 AM
How long until Chase doesn't see them?

Chase will see them for a long time I imagine. Are you looking to apply again for a card you previously had?
Title: Re: Questions and Help for BEGINNERS!
Post by: chaimmayer on July 02, 2012, 10:27:44 AM
No.  New cards but I thought that it's better for them not see how many cards you closed recently.  Maybe I misunderstood what others wrote.
Title: Re: Questions and Help for BEGINNERS!
Post by: chaimmayer on July 02, 2012, 10:34:08 AM
Thank you for your help!  See here
I believe they can see your closed cards for a few months. Just like when you log on to chase.

and here
They're not as strict as they say they are. They shouldn't see your closed account if it's been 30 days, and even if they can you can say that you thought it cannot be reopened after 30 days so you applied again.
No longer true?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 02, 2012, 10:36:45 AM
No.  New cards but I thought that it's better for them not see how many cards you closed recently.  Maybe I misunderstood what others wrote.


They see how many cards you've applied for and have closed down when checking your credit. And there are times when you are denied due to too many cards applied for recently.  But I don't think people get denied for closing accounts recently.

          I recently closed 2 United cards from an account and applied for a United card the next day. Was auto approved, called 5 minutes later and voila!

Title: Re: Questions and Help for BEGINNERS!
Post by: Fish Tank on July 03, 2012, 06:28:59 PM
I'm looking for sAAver award availibility on AA.com, in order to see if there would be availibility to book on BA.com with BA miles.

When searching, I just search for a paid ticket and look for sAAver availibility?

If yes, which catagory is sAAver, "super saver economy", or "saver economy" ?

Thank you

P.s. I'm not providing dates bec at this time i'm unsure which day i'm going to book.
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on July 03, 2012, 06:53:17 PM
I'm looking for sAAver award availibility on AA.com, in order to see if there would be availibility to book on BA.com with BA miles.

When searching, I just search for a paid ticket and look for sAAver availibility?

If yes, which catagory is sAAver, "super saver economy", or "saver economy" ?

Thank you

P.s. I'm not providing dates bec at this time i'm unsure which day i'm going to book.
u have to look for an award ticket not money. on the main page check the box under round trip/one way that says redeem aadvantage miles
Title: Re: Questions and Help for BEGINNERS!
Post by: Fish Tank on July 03, 2012, 06:56:16 PM
u have to look for an award ticket not money. on the main page check the box under round trip/one way that says redeem aadvantage miles

okay. Thank you for answering. I'll try that now. 
Title: Re: Questions and Help for BEGINNERS!
Post by: Steven on July 05, 2012, 10:10:00 PM
Ive been around ddf for a while, but i haven't really used this place as a resource for traveling, so I consider myself a noobie in the this area. I am looking to get away with my wife after tisha bav for a week, somewhere with nice weather, preferably with private or secluded access to the water. I am flying from ny and im on a budget, but I do have a variety of miles if its not too late/close to use em. I know Dan is big on hawaii, but I was thinking st closer like the Caribbean. any input would be greatly appreciated. TIA!
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 05, 2012, 10:11:28 PM
Ive been around ddf for a while, but i haven't really used this place as a resource for traveling, so I consider myself a noobie in the this area. I am looking to get away with my wife after tisha bav for a week, somewhere with nice weather, preferably with private or secluded access to the water. I am flying from ny and im on a budget, but I do have a variety of miles if its not too late/close to use em. I know Dan is big on hawaii, but I was thinking st closer like the Caribbean. any input would be greatly appreciated. TIA!

How many days are you looking to go away for? Any requirements? and What kind of miles do you have?
Title: Re: Questions and Help for BEGINNERS!
Post by: Steven on July 05, 2012, 10:22:33 PM
How many days are you looking to go away for? Any requirements? and What kind of miles do you have?
preferably a full week. not over a shab (rather not return on friday unless totally necessary). preferably some where I can go to beach with my wife.. I got acesss to UA, SW, delta, aa (aa gcs) etc. wouldnt mind paying either if its cheaper than the gng rate of the miles. thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 11, 2012, 04:06:36 PM
Funny. The more posts you have in your postcount, the likelier you are to post in this thread.
No noobie posts here.
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 11, 2012, 04:13:07 PM
Funny. The more posts you have in your postcount, the likelier you are to post in this thread.
No noobie posts here.
+1
A good reminder that we all have areas we're beginners in:)
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 11, 2012, 04:27:14 PM
I just wonder why the beginners don't feel this way.
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on July 11, 2012, 04:32:13 PM
i look at this thread as a place to ask anything i want, even if i should know it or can figure it out with searching.
Title: Re: Questions and Help for BEGINNERS!
Post by: chaimmayer on July 11, 2012, 05:31:21 PM
Funny. The more posts you have in your postcount, the likelier you are to post in this thread.
That's why I wrote
I am not sure if I can ask a question here - it seems only people with thousands of posts are asking ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on July 11, 2012, 06:49:07 PM
Make it a sticky and it will get a lot more questions.
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on July 13, 2012, 12:19:05 AM
okay so I am clueless when it comes to booking tickets. If I plan on flying from NY to FL sometime in August for a week is my best bet just to buy a ticket or can I get cheaper by "acquiring" miles (avios?) and booking that way?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 13, 2012, 12:21:47 AM
okay so I am clueless when it comes to booking tickets. If I plan on flying from NY to FL sometime in August for a week is my best bet just to buy a ticket or can I get cheaper by "acquiring" miles (avios?) and booking that way?

It depends on cheap you can get a ticket for.
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on July 13, 2012, 12:34:42 AM
It depends on cheap you can get a ticket for.

at first glance it looked like $240 round trip per person but came here before looking too  much. around what would be the cut off point?
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on July 13, 2012, 12:37:06 AM
at first glance it looked like $240 round trip per person but came here before looking too  much. around what would be the cut off point?
How many Avios points is it?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 13, 2012, 12:52:14 AM
How many Avios points is it?

I believe its 15k RT.
Title: Questions and Help for BEGINNERS!
Post by: bubbles on July 13, 2012, 12:59:55 AM
I believe its 15k RT.

But if I don't currently have a supply of avios then I would either have to calculate it based on UR value (15000 X .018 = $270) which is too much or can I purchase avios or no one would use an account for such small tix? (does that make any sense?)
Title: Re: Questions and Help for BEGINNERS!
Post by: Flatbush on July 13, 2012, 01:47:44 AM
Ok I've been looking around the forums for a long time, i get alot of whats going on, but tell me this, what is the exact meaning of churning?? I think i know.....but would like to make sure..........
Thank You!!
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 13, 2012, 02:28:03 AM
But if I don't currently have a supply of avios then I would either have to calculate it based on UR value (15000 X .018 = $270) which is too much or can I purchase avios or no one would use an account for such small tix? (does that make any sense?)

MR also transfers to avios.
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on July 13, 2012, 09:38:57 AM
Ok I've been looking around the forums for a long time, i get alot of whats going on, but tell me this, what is the exact meaning of churning?? I think i know.....but would like to make sure..........
Thank You!!
signing up for credit cards u already had to get the bonus again
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on July 13, 2012, 06:29:31 PM
Is there a craziest credit card dispute thread?
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on July 13, 2012, 06:37:14 PM
How about a "The best CC ever" thread?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on July 13, 2012, 06:41:59 PM
How about a "The best CC ever" thread?
What do you mean? I just got off the phone with a rep and she said I made a claim that's 1 in a million but then again it was with a foreign company so it's probably just 1 in a million for US standards...
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on July 13, 2012, 06:43:56 PM
What do you mean?
Points/miles/cash back.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on July 13, 2012, 06:51:43 PM
Points/miles/cash back.
gotcha. So go for it! I would start one for my idea but if I see another Jewda repost I might become a meshuganer ;) and then I'll need you to helpme!

Eta- I just realized we are long overdo for a chart of ddf sociology.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 13, 2012, 07:27:19 PM
Like!
Title: Re: Questions and Help for BEGINNERS!
Post by: Flatbush on July 15, 2012, 01:14:02 AM
signing up for credit cards u already had to get the bonus again
so you just cancel the old one and apply for the new one?
Title: Re: Questions and Help for BEGINNERS!
Post by: Avid Reader on July 15, 2012, 03:45:52 AM
so you just cancel the old one and apply for the new one?
Yes, or you keep the old one open and consolidate its credit line into the new account once the new account is opened.
Title: Re: Questions and Help for BEGINNERS!
Post by: Lamdan on July 15, 2012, 09:15:58 AM
Yes, or you keep the old one open and consolidate its credit line into the new account once the new account is opened.
I have a feeling there's a guy in Flatbush very confused right now. ;D
Title: Re: Questions and Help for BEGINNERS!
Post by: yare on July 15, 2012, 09:31:16 AM
Yes, or you keep the old one open and consolidate its credit line into the new account once the new account is opened.
or you keep the old one open and leave it alone until it's time for the annual fee, then close it. 
Title: Re: Questions and Help for BEGINNERS!
Post by: Avid Reader on July 15, 2012, 10:16:20 AM
or you keep the old one open and leave it alone until it's time for the annual fee, then close it. 
Right, that too.

Or, when it's time to pay the annual fee, you call the CC company and get the fee waived / or credited back, and keep the card for another year.
Title: Re: Questions and Help for BEGINNERS!
Post by: Flatbush on July 15, 2012, 02:14:00 PM
Yes, or you keep the old one open and consolidate its credit line into the new account once the new account is opened.
Ok, So how do you consolidate the credit line into the new account?
Thanks guys.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 15, 2012, 11:29:47 PM
What's the difference between JN business first and I business first??
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on July 16, 2012, 12:04:19 AM
What's the difference between JN business first and I business first??
Easypass/Saverpass
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 16, 2012, 12:08:02 AM
Easypass/Saverpass

Got it thanks. Wait, does that mean both easypass and saverpass were booking at 4 miles today??
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on July 16, 2012, 12:09:33 AM
Got it thanks. Wait, does that mean both easypass and saverpass were booking at 4 miles today??
http://www.dansdeals.com/archives/22812
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 16, 2012, 12:11:56 AM
http://www.dansdeals.com/archives/22812

Wow. That's what I get for not reading all the details.  If this gets honored I will be kicking myself for not booking in First.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 23, 2012, 01:59:24 PM
ok im sure this was discussed but really not interested in reading up dozens of pages.

i applied for amex plat which i was preselected for 100k points and the gold for 50k points...and they sent me a letter saying i need to send in tax return to confirm total annual income....i called amex recon and told them i work in israel and did not file it/ hard to file it...wtvr made up a story y its not filed and asked them if i can send in bank statements.  he said i can..but does that mean its on file in amex that im allowed to? or when i send it in theyre gana give me problems? i mean all he said was ok you can send it in...does that mean its forsure going to be good? or am i gana get another letter stating i need to send in tax return.

 also i only called for the plat and he said ok...do i need to call for the gold? i plan on writing them a letter saying i spoke to them and i didnt file and they said i can send in bank statements...will that work for both if i called for one?

btw i dont have any amex yet so this would be the first cards.

thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on July 23, 2012, 02:06:37 PM
ok im sure this was discussed but really not interested in reading up dozens of pages.

I don't care what thread you post in, that type of attitude is not going to endear you to anyone. ("Hi, I am lazy, can you do all the work for me?")

That said:

i applied for amex plat which i was preselected for 100k points and the gold for 50k points...and they sent me a letter saying i need to send in tax return to confirm total annual income....i called amex recon and told them i work in israel and did not file it/ hard to file it...wtvr made up a story y its not filed and asked them if i can send in bank statements.  he said i can..but does that mean its on file in amex that im allowed to? or when i send it in theyre gana give me problems? i mean all he said was ok you can send it in...does that mean its forsure going to be good? or am i gana get another letter stating i need to send in tax return.

 also i only called for the plat and he said ok...do i need to call for the gold? i plan on writing them a letter saying i spoke to them and i didnt file and they said i can send in bank statements...will that work for both if i called for one?

btw i dont have any amex yet so this would be the first cards.

thanks

Just send it in. It's noted.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 23, 2012, 02:09:57 PM

Just send it in. It's noted.

its noted just for the plat or do i need to call for the gold as well?

do i need to write  up a whole letter of excuses like on the phone? or do i just send in bank statements?

thank you...and youre right about the attitude...and i did read several of the pages and they helped me alot
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on July 23, 2012, 02:11:34 PM
Should be both.

No, just send it in.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 23, 2012, 02:13:01 PM
Once you send in you're good for both.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 23, 2012, 02:16:20 PM
thanks guys for the quick replies...hope it works out..and make 150k points!
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 23, 2012, 02:26:44 PM
does it make a difference if i dont have alot of cash flow in my bank statements?

and whats a safe amount of months to send in of bank statements?

thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on July 25, 2012, 08:59:56 PM
Does the american airlines gold card (mastercard if that makes a dif) give you first checked bag free?

Also, if does give you the free bag, if I'm booking with avios and it says it's american eagle on behalf of american airlines does that count as american airlines?
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on July 25, 2012, 09:33:20 PM
Does the american airlines gold card (mastercard if that makes a dif) give you first checked bag free?

Also, if does give you the free bag, if I'm booking with avios and it says it's american eagle on behalf of american airlines does that count as american airlines?

looks like it would work for american eagle. anyone can help with whether the gold is good enough?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on July 25, 2012, 09:34:02 PM
Officially its not good enough...YMMV.
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on July 25, 2012, 09:34:36 PM
Officially its not good enough...YMMV.

thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 25, 2012, 10:17:43 PM
On the way to accumulate points towards our upcoming NYC-TLV trip.
I hate wasting my UA points, I love to see them grow....
Do I make sense accumulating amex MR, transfer them to Air Canada, fly on United?
Good idea? No Fuel Surcharge?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on July 25, 2012, 10:27:32 PM
Earn and burn, papi. These things never rise in value...
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 26, 2012, 10:30:38 AM
Lol...
But please tell me: is this a way to go: MR>AC>UA>israel?
No YQ? How many points do I need?
Title: Re: Questions and Help for BEGINNERS!
Post by: Ergel on July 26, 2012, 10:35:20 AM
Depends on carrier, but yes. 80K economy
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 26, 2012, 10:38:33 AM
Well, Am flying united, so I guess no YQ.
Seems to be the same rate as if I book with UA miles: 80k RT.
Wow! I'm in, and I hope I got the picture in full and I don't miss anything here.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 26, 2012, 12:16:56 PM
Is it possible to redeem a United Travelers Certificate for a ticket booked through Expedia?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 31, 2012, 10:13:42 AM
Is it possible to redeem a United Travelers Certificate for a ticket booked through Expedia?

No, I don't believe so.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 31, 2012, 10:14:42 AM
If I have an offer to  upgrade to a Platinum card from my Amex Gold will I get a credit pull for accepting?
Title: Re: Questions and Help for BEGINNERS!
Post by: Zeeeeks on August 01, 2012, 02:10:07 PM
If I have an offer to  upgrade to a Platinum card from my Amex Gold will I get a credit pull for accepting?
When I upgraded the business card, there was no pull.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on August 02, 2012, 11:46:29 AM
Going to give Chase a chance. Been a few months since all my cards were stolen from me by Chase. Looking for the two best business card signup bonuses. One and preferable both that give 5% at office supplies. Spending requirements is not a concern.
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on August 02, 2012, 11:51:25 AM
Going to give Chase a chance. Been a few months since all my cards were stolen from me by Chase. Looking for the two best business card signup bonuses. One and preferable both that give 5% at office supplies. Spending requirements is not a concern.
9% at 1.8cpp ;)

http://www.dansdeals.com/go/inkbold
http://www.dansdeals.com/go/InkPlus
http://www.dansdeals.com/go/inkclassic
http://www.dansdeals.com/go/inkcash
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on August 02, 2012, 11:57:25 AM
9% at 1.8cpp ;)

http://www.dansdeals.com/go/inkbold
http://www.dansdeals.com/go/InkPlus
http://www.dansdeals.com/go/inkclassic
http://www.dansdeals.com/go/inkcash
Ink cash was closed so throw one more out and I will go with the last two. I need someone to blame if this does not work.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on August 02, 2012, 05:37:21 PM
okay I got my flighted worked out (Thanks Reuven (http://forums.dansdeals.com/index.php?topic=18507.msg271535#msg271535)) now working on my car rental and running out of time. I signed up for USAA, now where can I rent without having underage fees? Also, I always notice people talking about waiving the insurance with using certain CC's, anyone care to elaborate and that process? No flaming cuz Im in the newbie thread  :D


No shaychis but Dan maybe add the inkplus link to the main cc thread?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 02, 2012, 05:38:20 PM
okay I got my flighted worked out (Thanks Reuven (http://forums.dansdeals.com/index.php?topic=18507.msg271535#msg271535)) now working on my car rental and running out of time. I signed up for USAA, now where can I rent without having underage fees? Also, I always notice people talking about waiving the insurance with using certain CC's, anyone care to elaborate and that process? No flaming cuz Im in the newbie thread  :D


Most CC's cover CDW insurance so you waive the insurance when renting.

Where are you headed?
Title: Re: Questions and Help for BEGINNERS!
Post by: AsherO on August 02, 2012, 05:52:50 PM
9% at 1.8cpp ;)

In HelpMe's book it's 1cpp. Please CMIIW :P
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on August 02, 2012, 06:01:38 PM
okay I got my flighted worked out (Thanks Reuven (http://forums.dansdeals.com/index.php?topic=18507.msg271535#msg271535)) now working on my car rental and running out of time. I signed up for USAA, now where can I rent without having underage fees? Also, I always notice people talking about waiving the insurance with using certain CC's, anyone care to elaborate and that process? No flaming cuz Im in the newbie thread  :D


No shaychis but Dan maybe add the inkplus link to the main cc thread?
you may want to order the USAA atm card. You want to waive collision or liability? Many cover collision, certain amex cover liability for a fee I believe.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on August 02, 2012, 06:06:00 PM
In HelpMe's book it's 1cpp. Please CMIIW :P
HelpMe has been reading a lot of different books. Back off Jack!  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on August 02, 2012, 06:13:43 PM

Most CC's cover CDW insurance so you waive the insurance when renting.

Where are you headed?
Is the CDW part of the quoted price or that is normally extra? Am I still able to waive it if I reserve online and pay now?

FLL (http://forums.dansdeals.com/index.php?topic=10605.msg271762#msg271762)

you may want to order the USAA atm card. You want to waive collision or liability? Many cover collision, certain amex cover liability for a fee I believe.

I just signed up for USAA what do I gain by getting the ATM?

I want to waive whatever will save me the most $$ with the least repercussions  :)

Thanks for the help!
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on August 02, 2012, 06:21:17 PM
Is the CDW part of the quoted price or that is normally extra? Am I still able to waive it if I reserve online and pay now?

FLL (http://forums.dansdeals.com/index.php?topic=10605.msg271762#msg271762)

I just signed up for USAAUSAA what do I gain by getting the ATM?

I want to waive whatever will save me the most $$ with the least repercussions  :)

Thanks for the help!
CDW is not included in the rental. Most credit cards cover it... You may be asked for a USAA card and if you don't have it they won't rent to you. Sapphire preferred is good for cdw because it's primary
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 02, 2012, 06:24:58 PM
Is the CDW part of the quoted price or that is normally extra? Am I still able to waive it if I reserve online and pay now?

FLL (http://forums.dansdeals.com/index.php?topic=10605.msg271762#msg271762)

I just signed up for USAA what do I gain by getting the ATM?

I want to waive whatever will save me the most $$ with the least repercussions  :)

Thanks for the help!

What about Enterprise chabad that waives underage fee?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: smurf on August 02, 2012, 06:28:53 PM
CDW is not included in the rental. Most credit cards cover it... You may be asked for a USAA card and if you don't have it they won't rent to you. Sapphire preferred is good for cdw because it's primary
since when is SP primary ?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on August 02, 2012, 06:34:52 PM
since when is SP primary ?
um could be i'm wrong.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 02, 2012, 06:36:28 PM
Or SixT is good. I believe they allow 21+.
Good service too!
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on August 02, 2012, 06:43:31 PM
CDW is not included in the rental. Most credit cards cover it...  Sapphire preferred is good for cdw because it's primary

Just downgraded my SP  :(   how about starwoods or the old IB?

You may be asked for a USAA card and if you don't have it they won't rent to you.
I can't just print out my membership online? (tried doing it right now but seem to be getting error messages on the USAA website)


What about Enterprise chabad that waives underage fee?

I got a much cheaper quote from budget using the USAA quote (around $160 on standard, thanx CBS) than I see on enterprise using the chabad code (around $250)
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 02, 2012, 06:46:19 PM
Just downgraded my SP  :(   how about starwoods or the old IB?
I can't just print out my membership online? (tried doing it right now but seem to be getting error messages on the USAA website)


I got a much cheaper quote from budget using the USAA quote (around $160 on standard, thanx CBS) than I see on enterprise using the chabad code (around $250)

I bet u could get that price with SixT without needing to deal with  USAA.
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on August 02, 2012, 06:47:24 PM
since when is SP primary ?
It's not (unless you don't have your own car insurance)
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on August 02, 2012, 06:49:28 PM
I got a much cheaper quote from budget using the USAA quote (around $160 on standard, thanx CBS) than I see on enterprise using the chabad code (around $250)
its $150 btw

I bet u could get that price with SixT without needing to deal with  USAA.
ok im all in!  :P
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: bubbles on August 02, 2012, 06:56:46 PM
I bet u could get that price with SixT without needing to deal with  USAA.

I'm seeing it as around $215 at sixt

its $150 btw

hmm not sure why it came up as $144 by me for intermediate and $163 for standard


In regards to the CC insurance is the CDW what the car companies are calling LDW?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: Cbs on August 02, 2012, 07:02:39 PM
I'm seeing it as around $215 at sixt

hmm not sure why it came up as $144 by me for intermediate and $163 for standard


In regards to the CC insurance is the CDW what the car companies are calling LDW?
CDW is LDW....

i see with budget $150 for economy and $155 interm.
but i just found with SixT an economy for $156 for pay now and 164 for pay later :)
PM me, ill prob have to book it for u
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: bubbles on August 02, 2012, 07:05:47 PM
CDW is LDW....

i see with budget $150 for economy and $155 interm.
but i just found with SixT an economy for $156 for pay now and 164 for pay later :)
PM me, ill prob have to book it for u

thanks will do

will economy be a comfortable fit for me wife kid and luggage?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: Cbs on August 02, 2012, 07:08:41 PM
thanks will do

will economy be a comfortable fit for me wife kid and luggage?
depends how much luggage...and idk if comfi is the word. but its forsure possible.
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on August 02, 2012, 07:21:43 PM
Does anyone know about this?

You may be asked for a USAA card and if you don't have it they won't rent to you.
I can't just print out my membership online?
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on August 02, 2012, 07:23:25 PM
I can't just print out my membership online?
you could but sometimes theyll ask for the debit card... personally i was only asked for debit card by hertz in LGA. otherwise never asked or when asked the membership number or email conf. was enough
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on August 02, 2012, 08:51:05 PM
Went with Plus and Bold. No instant approvals. >:(
Did not use 2bm method. Let’s see how many inquires I receive.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 02, 2012, 09:11:28 PM
How far apart?
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on August 02, 2012, 10:02:54 PM
So I'm looking at $155.63 at budget for an intermediate with a coupon for a free upgrade (if available I guess) using USAA. This is with paying later so that I'm not stuck if they don't accept just an e-mail confirmation. Should I place a reservation at SIXT also for a little while later as back up?

And between the starwoods old IB and freedom is there any difference in terms of insurance?

Almost done thanks ya'll  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on August 02, 2012, 10:39:53 PM
How far apart?
5 minutes.
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: smurf on August 02, 2012, 11:10:40 PM
CDW is LDW....

C= collision meaning the cost to repair the damage
L= loss meaning the cost of the car being out of commission and therefore not being available for rentals
Both are typically covered by most credit cards.

Also cmiiw but I think the IB is primary when renting for business
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: bubbles on August 02, 2012, 11:12:46 PM
C= collision meaning the cost to repair the damage
L= loss meaning the cost of the car being out of commission and therefore not being available for rentals
Both are typically covered by most credit cards.

Also cmiiw but I think the IB is primary when renting for business

I'll have to see if I can find the T&C
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on August 03, 2012, 01:54:59 AM
Did not use 2bm method. Let’s see how many inquires I receive.
How far apart?
5 minutes.
Only 1 showing on TU.
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on August 03, 2012, 03:41:56 AM
C= collision meaning the cost to repair the damage
L= loss meaning the cost of the car being out of commission and therefore not being available for rentals
Both are typically covered by most credit cards.

Also cmiiw but I think the IB is primary when renting for business

Correct.

@Bubbles
Do you have the united explorer cc? It has primary CDW coverage.

Also, if you amex cc - many of them offer premium CDW coverage.  You need to preregister the card and ypu will be billed $20 ($25?) per rental - (not per day) for primary CDW instead of the cc's standard secondary coverage.

Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 03, 2012, 07:55:11 AM
Only 1 showing on TU.

Nice.

TU though? This was for chase? Is that normal in your state?
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on August 03, 2012, 09:33:50 AM
Nice.

TU though? This was for chase? Is that normal in your state?
For the last two years, yes. IIRC before that it was EQ.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 03, 2012, 01:18:55 PM
Who pounds EX there?
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on August 03, 2012, 03:21:09 PM
Who pounds EX there?
So far it always has been Amex.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on August 08, 2012, 02:22:24 PM
i have a few qs hopefuly someone can answer..
1. if i fly from ny/nj to tlv business with a stop over with united...how many bags am i allowed? and does it make a difference where the stopover is?

2. im not having any luck finding a one way direct or stopover flight from ny/nj to tlv on united website the days i need (anytime from aug 19 till aug 29)...if i search each leg by itself and i find something..what do i need to do to make that flight happen? call up united and tell them i saw it on website? or ask them to create it for me? the flights r there its just not showing up wen i type in ny or nj to tlv...

thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on August 12, 2012, 11:17:07 AM
when does the amex "year" start? i just got accepted last week for 3 amex and i wont be seeing the cards for another week or two since im travelling. so does the month start from when i got accepted (like for the bonus spending req.) or from when io activate the cards?

and when do i get charged the yearly rate for the plat and MB plat ?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 12, 2012, 11:20:42 AM
when does the amex "year" start?

What "year?"

i just got accepted last week for 3 amex and i wont be seeing the cards for another week or two since im travelling. so does the month start from when i got accepted (like for the bonus spending req.) or from when io activate the cards?

I believe it's from when you get accepted. It's def not from when one activates.

and when do i get charged the yearly rate for the plat and MB plat ?

Within a week or two of when you get accepted I believe.
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on August 12, 2012, 11:26:10 AM
What "year?"

I believe it's from when you get accepted. It's def not from when one activates.

Within a week or two of when you get accepted I believe.
year - i meant when the time starts but u answered that. thanx
and if i get charged for the $450 withen first two weeks or so, then how do i get it off? if i cancel withen a month or two then theyll refund me? if not, what do i do?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 12, 2012, 11:37:42 AM
Right.
Title: Re: Questions and Help for BEGINNERS!
Post by: chaimmayer on August 13, 2012, 08:26:25 AM
If my wife applies for a card (or more likely I apply in her name ;)) can I only use her income in the application or since she's married to me can I put down my income?
Thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on August 14, 2012, 09:10:53 PM
I'm a first time car renter, so I'm gonna ask here a few stupid questions, please be patient and I would really appreciate any given info.
First, looked around which rental gets me the cheapest, but ALL told me I'm gonna have to pay an extra $27 per day since I'm under 25yrs old. They told me I can have it waved if I'm a government employee (is my Food Stamps card good?....).
So as I try to figure out, is this the benefit of having a USAA checking account, to wave this fee?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 14, 2012, 09:15:42 PM
I'm a first time car renter, so I'm gonna ask here a few stupid questions, please be patient and I would really appreciate any given info.
First, looked around which rental gets me the cheapest, but ALL told me I'm gonna have to pay an extra $27 per day since I'm under 25yrs old. They told me I can have it waved if I'm a government employee (is my Food Stamps card good?....).
So as I try to figure out, is this the benefit of having a USAA checking account, to wave this fee?

Chabad enterprise waives the fee IME.

Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on August 14, 2012, 09:18:01 PM
I don't think there is an enterprise location in my area.
Any other idea?
Is this the idea of USAA?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 14, 2012, 09:19:46 PM
I don't think there is an enterprise location in my area.
Any other idea?
Is this the idea of USAA?

What area are you looking to rent in?
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on August 14, 2012, 09:25:07 PM
I don't think there is an enterprise location in my area.
Any other idea?
Is this the idea of USAA?

thats what i used it for
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on August 14, 2012, 09:30:51 PM
And if I show them my USAA bank card I'm all set?
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on August 14, 2012, 09:32:30 PM
And if I show them my USAA bank card I'm all set?

you have to book using the usaa code. they didnt ask me for anything in FLL
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on August 14, 2012, 09:42:25 PM
How do I get the USAA code?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 14, 2012, 09:44:34 PM
How do I get the USAA code?

Go to USAA's website and go to car rentals through there.
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on August 14, 2012, 09:44:51 PM
How do I get the USAA code?
their website. hertz is 77694. they also have avis, budget, and enterprise
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on August 14, 2012, 10:00:11 PM
Thanks so much for all your help!
Now, can I use the USAA corporate code when I book with priceline?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on August 14, 2012, 10:14:47 PM
While still figuring out how that corporate code would work with priceline, I have one more question: in general, which travel site or agency gets the cheapest rates for car rentals? What was the experience of you all with that?
I'm looking for dead CHEAP.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 14, 2012, 10:16:51 PM
While still figuring out how that corporate code would work with priceline, I have one more question: in general, which travel site or agency gets the cheapest rates for car rentals? What was the experience of you all with that?
I'm looking for dead CHEAP.

I've gotten some great rates with Avis using various corporate codes. And Enterprise.

IF you're looking for cheap and waived underage try Priceline! Just enter in crazy low rates and I believe underage is included as long as you mention your age.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on August 14, 2012, 10:22:54 PM
Am I getting the right impression from your words that priceline and corporate codes dosent work at the same time?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on August 14, 2012, 10:24:03 PM
Am I getting the right impression from your words that priceline and corporate codes dosent work at the same time?
If you read my signature it could help you... ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on August 20, 2012, 10:46:34 AM
is there any way for chase recon to tell if a female or male applied through a ssn or any other way? meaning can i call for my wifes cards?
thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on August 20, 2012, 10:48:52 AM
is there any way for chase recon to tell if a female or male applied through a ssn or any other way? meaning can i call for my wifes cards?
thanks
And why can't you be Mrs. mmermss? Bec. you have a deep voice? I doubt they want that lawsuit on their head.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on August 20, 2012, 10:58:21 AM
And why can't you be Mrs. mmermss? Bec. you have a deep voice? I doubt they want that lawsuit on their head.
so im good to go? they dont cause those problems?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on August 20, 2012, 11:00:47 AM
so im good to go? they dont cause those problems?
IME what I've seen people do is put there wife on for 3 seconds to verify it's her account and then she gives you her husband full permission to discuss all the details for her. If that's not possible I don't see how they can say you aren't a women just based on common sense.
Title: Re: Questions and Help for BEGINNERS!
Post by: Ergel on August 20, 2012, 11:02:30 AM
If she has a Jewish name which they won't recognize as female you're good to go. If she is a Sarah or something like that you'll have problems
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on August 20, 2012, 11:06:04 AM
ok thanks...also how long after i get a united explorer card do they give me a ffn number? do i need to call up and ask them for it?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on August 20, 2012, 11:07:58 AM
ok thanks...also how long after i get a united explorer card do they give me a ffn number? do i need to call up and ask them for it?
They give it automatically, calling is easy. Be sure to SM them for an offer match :)
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on August 20, 2012, 11:10:05 AM
They give it automatically, calling is easy. Be sure to SM them for an offer match :)
so i SM them last thursday..no reply yet...how long does it norm take?

also is there such a thing as HUCA for SM? meaning if they deny can i SM again and maybe theyll say yes? or is it on file already and no chance?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on August 20, 2012, 11:15:17 AM
so i SM them last thursday..no reply yet...how long does it norm take?

also is there such a thing as HUCA for SM? meaning if they deny can i SM again and maybe theyll say yes? or is it on file already and no chance?
Take them as long as they want. Different question I've had different wait times. a week is tops usually. There is an idea of SM that Dan suggested to me in a thread, although it didn't work in that case. It's an easy match though that many people have been doing. I haven't heard anyone denied recently. You should be fine. See that cards thread for details.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on August 20, 2012, 11:28:49 AM
i read the whole united explorer thread already... i know its still on bec i got the 55k for another united explorer...but that took a few hrs...so just wondering if a long wait means it will be denied.

Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on August 20, 2012, 10:51:00 PM
does amex give insurance on purchases for one year or two years?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 20, 2012, 11:19:44 PM
does amex give insurance on purchases for one year or two years?

Insurance? Do you mean extended warranty?

It doubles mfgr warranty up to one year.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on August 20, 2012, 11:27:25 PM
Insurance? Do you mean extended warranty?

It doubles mfgr warranty up to one year.

yeh i meant warranty...whats mfgr?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 20, 2012, 11:39:15 PM
Manufacturer.
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on August 27, 2012, 06:49:43 PM
What does " Pro-rated refund after 60 days" mean? regarding Amex cards.
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: creditor on August 27, 2012, 06:58:38 PM
What does " Pro-rated refund after 60 days" mean? regarding Amex cards.
they divide the annual fee by the time you used the card.
say annual fee is $100 and you used it a month you pay 8.33 etc.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on August 28, 2012, 06:31:13 PM
The chase hyatt cc gets you two nights after first spend. How do you get those "nights"? Is it a certificate that comes with the statement?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 28, 2012, 07:15:39 PM
The chase hyatt cc gets you two nights after first spend. How do you get those "nights"? Is it a certificate that comes with the statement?

Automatically deposited into your Hyatt account within 10 days of first purchase, sometimes quicker.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on August 29, 2012, 01:00:09 AM
Automatically deposited into your Hyatt account within 10 days of first purchase, sometimes quicker.

Thanx. I just checked the hyatt account and it shows 0 nights  :(

I think what may have happened is that -  I requested a $75 credit from chase to counteract the annual fee, I then made a $10 purchase. - Then my statement closed with a $65 credit, and the balance never went into a positive number.

Could that be the reason?

ETA: the statement didn't close yet but its been way more then 10 days since the first purchase [8/10/12] )
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 29, 2012, 01:03:22 AM
If you're spend was >10 days ago, it's definitely possible.

Ask for a credit check, spend a $1... profit.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on August 29, 2012, 01:09:16 AM
If you're spend was >10 days ago, it's definitely possible.

Ask for a credit check, spend a $1... profit.

Thats  a good idea. But are you sure it isn't like other chase cc signup bonuses that only post once the statement closes?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 29, 2012, 05:32:49 PM
It may coincidentally post after the statement closes, but IME (and the experiences of countless others on here and FT) it posts within 10 days, again sometimes less.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 29, 2012, 10:16:57 PM
Can anyone confirm that the Amex Platinum still covers $50 gift cards from AA from the $200 incidentals?

Or any other airline gift cards?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on August 30, 2012, 01:11:57 AM
It may coincidentally post after the statement closes, but IME (and the experiences of countless others on here and FT) it posts within 10 days, again sometimes less.

The award nights posted to the account! It seems like I was looking in the wrong place  :-[

It looks like it posted 4 days after the charge was made!
Thanx for your help!
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on August 30, 2012, 01:14:21 AM
I cant seem to find the thread where the hyatt nights are bought and sold. . .can someone post a link? thanx
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on August 31, 2012, 04:34:46 PM
Whats deltas refund policy? e.g. time frame.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 31, 2012, 04:46:45 PM
Midnight the following day IIRC.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on September 03, 2012, 07:19:13 PM
I purchased a delta ticket + EC. Is there any way to just cancel the EC and not the entire ticket?
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on September 03, 2012, 07:54:30 PM
I cant seem to find the thread where the hyatt nights are bought and sold. . .can someone post a link? thanx
http://forums.dansdeals.com/index.php?topic=12209.240
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on September 03, 2012, 08:38:06 PM
http://forums.dansdeals.com/index.php?topic=12209.240

Thanx.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on September 03, 2012, 09:06:35 PM
I purchased a delta ticket + EC. Is there any way to just cancel the EC and not the entire ticket?

Any way? Why not call DL?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on September 07, 2012, 05:07:12 PM
saw this thought it was a cool concept

http://xkcd.com/1053/
Title: Re: Questions and Help for BEGINNERS!
Post by: Fish Tank on September 08, 2012, 10:05:20 PM
Does the $200 spent on airline incidentals on the amex platinum count towards the spend requirement?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on September 09, 2012, 08:48:52 PM
When using Amazon Payments for min spend can the two accounts have the same address or will Amazon shut the accounts down?
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on September 09, 2012, 08:49:57 PM
When using Amazon Payments for min spend can the two accounts have the same address or will Amazon shut the accounts down?
Never had a problem.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on September 09, 2012, 08:55:37 PM
Never had a problem.

Thanks,
So when do they shut down the AMazon PAyments accounts? I remember reading people being shut down. Trying to avoid that.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on September 09, 2012, 08:58:01 PM
Thanks,
So when do they shut down the AMazon PAyments accounts? I remember reading people being shut down. Trying to avoid that.
Sending funds back and forth is a no no. If you have a large family and do something like A>B>C>D>E>F>G>A you should be fine.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on September 09, 2012, 09:11:55 PM
Sending funds back and forth is a no no. If you have a large family and do something like A>B>C>D>E>F>G>A you should be fine.

And what about if I send funds from A--B and then B gives me the money and I put it in my bank account? Is that ok?
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on September 09, 2012, 09:14:17 PM
And what about if I send funds from A--B and then B gives me the money and I put it in my bank account? Is that ok?
Sure, that works. Even better would for you to send funds to me and I promise to put it into my account!  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on September 09, 2012, 09:16:30 PM
Sure, that works. Even better would for you to send funds to me and I promise to put it into my account!  :)

Lol - Thanks for the help. If I had a couple hundred million lying around I might..but for now you'll just have to accept my 'thank you' :)
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on September 09, 2012, 09:21:57 PM
Lol - Thanks for the help. If I had a couple hundred million lying around I might..but for now you'll just have to accept my 'thank you' :)
That works for me.
Title: Re: Questions and Help for BEGINNERS!
Post by: Smartypantz on September 10, 2012, 03:22:02 PM
Is the max 1000/month for AP?
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on September 10, 2012, 03:22:44 PM
Is the max 1000/month for AP?
with CC yes
Title: Re: Questions and Help for BEGINNERS!
Post by: Smartypantz on September 10, 2012, 03:25:15 PM
thanks! that's really amazing for the starwoods promo that ended on 9/4!
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on September 11, 2012, 02:19:38 PM
was wondering if any one ever tried this or if its even possible

so my kid is going to be over 2 the next time i fly and id rather not pay for 3 points tickets of business...if i would book 2 in business and one in economy...can i just forget about the economy and bring my kid in business and let him share the seat/bed?
Title: Re: Questions and Help for BEGINNERS!
Post by: Ergel on September 11, 2012, 02:22:26 PM
was wondering if any one ever tried this or if its even possible

so my kid is going to be over 2 the next time i fly and id rather not pay for 3 points tickets of business...if i would book 2 in business and one in economy...can i just forget about the economy and bring my kid in business and let him share the seat/bed?
I highly doubt they would be ok with that
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on September 11, 2012, 02:27:56 PM
I highly doubt they would be ok with that
ok...can u pls explain wat u think the problem would be? and who wouldnt be ok with it? wen i check in or the flight attendants?

my wife and kid is booked in business and i come in after take off or wtvr...
OR me and wife is booked business and just take kid in along with me...wen they see tickets as i come on plane u think theyll give me problems and make us sit separately?
Title: Re: Questions and Help for BEGINNERS!
Post by: tzeekee123 on September 11, 2012, 05:28:40 PM
hey i've been following ddf for a while and recently i tried posting from my htc evo design (through tapatalk) and when I post it tells me something like "you can't access this section" (not sure the exact wording) if any one can help me i'd really appreciate it TIA
Title: Re: Questions and Help for BEGINNERS!
Post by: Fish Tank on September 13, 2012, 12:59:51 AM
How do I access the membership rewards shopping mall? I cant seem to find it anywhere.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on September 13, 2012, 08:11:35 AM
Go to membershiprewards.com
Title: Re: Questions and Help for BEGINNERS!
Post by: Name Changed on September 13, 2012, 08:48:29 AM
How do I access the membership rewards shopping mall? I cant seem to find it anywhere.
If you are referring to the bonus points mall to earn points. Their site hasn't been working for awhile already
Title: Re: Questions and Help for BEGINNERS!
Post by: Zeeeeks on September 13, 2012, 10:27:55 AM
I can't find the thread discussing this. Which dept do I need to SM to cancel a Platinum card. I SM'd Account Management and they said I need to call Plat CS.
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on September 13, 2012, 10:29:47 AM
I can't find the thread discussing this. Which dept do I need to SM to cancel a Platinum card. I SM'd Account Management and they said I need to call Plat CS.
Number on back of card
Title: Re: Questions and Help for BEGINNERS!
Post by: Zeeeeks on September 13, 2012, 10:31:06 AM
Number on back of card
I'd rather cancel with SM.
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on September 13, 2012, 10:38:11 AM
I'd rather cancel with SM.
Don't think its possible .
Why do u mind calling?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on September 13, 2012, 10:40:26 AM
Don't think its possible .
Why do u mind calling?

It's possible.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on September 13, 2012, 10:41:02 AM
Don't think its possible .
Why do u mind calling?

Def possible.

I thought account mgmt worked; try Billing.
Title: Re: Questions and Help for BEGINNERS!
Post by: Zeeeeks on September 13, 2012, 10:45:09 AM
Don't think its possible .
Why do u mind calling?
Because I need to downgrade the PL and MB after closing both a couple months ago :D
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on September 13, 2012, 10:57:04 AM
I can't find the thread discussing this. Which dept do I need to SM to cancel a Platinum card. I SM'd Account Management and they said I need to call Plat CS.
Here's the thread
http://forums.dansdeals.com/index.php?topic=16294.msg226751#msg226751
Title: Re: Questions and Help for BEGINNERS!
Post by: Zeeeeks on September 13, 2012, 11:10:48 AM
Here's the thread
http://forums.dansdeals.com/index.php?topic=16294.msg226751#msg226751
Thanks!
Title: Re: Questions and Help for BEGINNERS!
Post by: tuvz on September 22, 2012, 05:31:16 AM
Just got approved for my first amex 3bm
Wanna start using AP to meet the threshold, even if im sending only $200-$300 at a time up to $1000 over the month
Is there a big risk of an FR? Im also trying to do other small purchases.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on September 22, 2012, 09:26:25 PM
YMMV....
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on September 23, 2012, 01:22:19 AM
This is my story tell me what you guys think
I have had a boa and crap1 for like 5 years but I had neg. Stuff in my credit report that I just got removed. I have 4 pulls on ex from amex which I did not get approved Cuz the neg stuff. So I am trying to avoid pulls from ex. I just 3 bm. Boa Cuz I figured since I already have a card from the its more likely to get approved and I think they forsure wont pull from ex rather everyone else now adage pulls from ex. Here are the 3 spirit world Cuz I want a world card going to Israel in 3 months,travel and boa amex. No instant app yet but will call tomorrow
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on September 23, 2012, 08:47:38 AM
What state do you live in?
Title: Re: Questions and Help for BEGINNERS!
Post by: yehuda S on September 23, 2012, 10:24:18 AM
Can someone please provide clarity on how long I must hold on to a CC for before I can cancel and reapply?

E.G. I got the United Mileage Explorer a month ago. Can I cancel already? If yes how long should I wait before reapplying?

I cancelled the Amex PRG last week after one year. Can I reapply?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on September 23, 2012, 10:25:36 AM
What state do you live in?

MD
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on September 23, 2012, 10:26:29 AM
Can someone please provide clarity on how long I must hold on to a CC for before I can cancel and reapply?

E.G. I got the United Mileage Explorer a month ago. Can I cancel already? If yes how long should I wait before reapplying?

I cancelled the Amex PRG last week after one year. Can I reapply?

You can apply an hour after you cancel though its probably better to wait a couple of hours. I wouldn't cancel my card after just one month. You COULD. But it's better not to IMHO.
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: yehuda S on September 23, 2012, 10:34:37 AM
You can apply an hour after you cancel though its probably better to wait a couple of hours. I wouldn't cancel my card after just one month. You COULD. But it's better not to IMHO.

Not after one month. How many months then?
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on September 23, 2012, 10:46:22 AM
Not after one month. How many months then?

I usually wait a year but if not at least 3/4 months. That's just me though.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on September 23, 2012, 10:07:45 PM
Trying to buy something through the Amex MR mall, but I simply couldn't find it... Used to be on membershiprewards.com
Can anyone please direct me?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on September 23, 2012, 10:09:42 PM
Trying to buy something through the Amex MR mall, but I simply couldn't find it... Used to be on membershiprewards.com
Can anyone please direct me?
It's down for maintenance for the past couple of weeks.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on September 23, 2012, 10:11:50 PM
Hmmmm....
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on September 24, 2012, 04:28:13 PM
What/how do I do ?

I have the Amex plat and plat MB.  I have to cancel before the 30th . I have some pending charges and 25k on plat as well as a payment to the card that hasnr posted yet and one pending charge and no points on MB.

What's my move now? How do I cancel the cards and paying the pending charges that haven't posted yet?

If I downgrade plat to zync than will the charges show on my account somehow? And would I have to move out my points if I downgrade?

Thanx

(This is a cross post but I need a help asap. And I'm not getting in the other thread.)
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on September 24, 2012, 05:37:41 PM
What/how do I do ?

I have the Amex plat and plat MB.  I have to cancel before the 30th . I have some pending charges and 25k on plat as well as a payment to the card that hasnr posted yet and one pending charge and no points on MB.

What's my move now? How do I cancel the cards and paying the pending charges that haven't posted yet?

If I downgrade plat to zync than will the charges show on my account somehow? And would I have to move out my points if I downgrade?

Thanx

(This is a cross post but I need a help asap. And I'm not getting in the other thread.)

Perhaps because there is a lot going on in your post.

I'll start you off:

What/how do I do ?

I have the Amex plat and plat MB.  I have to cancel before the 30th . I have some pending charges and 25k on plat as well as a payment to the card that hasnr posted yet and one pending charge and no points on MB.

What's my move now?

If I am understanding you correctly, if you cancel now, you likely will receive no points for Plat MB.
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on September 24, 2012, 05:59:36 PM
Perhaps because there is a lot going on in your post.

I'll start you off:

If I am understanding you correctly, if you cancel now, you likely will receive no points for Plat MB.
Thanx for replying.

I already got the bonus for MB ans transferred out.
I didn't mean to make it complicated. In 2 words, what happens if I cancel the cards while theres points in the account and pending charges (or for that matter any charge)?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on September 24, 2012, 06:05:19 PM
If there are no associated MR cards, you'll lose the points after a certain period. Anywhere from a couple of hours (haven't seen this) to 30 days.

You'd still be responsible for pending charges (obv).
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on September 24, 2012, 06:14:32 PM
You'd still be responsible for pending charges (obv).
So Its possible.to pay it even if u cancel the card?

What if I had a credit on their from,  say AA for $200, and I cancel card can I use that to pay a diff bill on the account? 
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on September 24, 2012, 06:20:16 PM
So Its possible.to pay it even if u cancel the card?

What if I had a credit on their from,  say AA for $200, and I cancel card can I use that to pay a diff bill on the account?

If by "it" you mean pay charges which post after cancellation? Sure. AmEx wants its money.

I don't see why that'd be a problem.
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on September 24, 2012, 06:45:54 PM
Thanx!
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on September 24, 2012, 08:35:01 PM
this was my first 3bm that worked!!!!!
Called boa this morning they said they could only approve me for the spirit world cuz that has 5k cl min and they cant approve for any other card called back later and told the lady i want the travelers card for better perks she said sure. im thinking about calling again for the boa amex tell them i need a amex for some stores but i dont think its worth it rather wait a month or two to apply for spg, blue cash, pl
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on September 24, 2012, 08:35:51 PM
if you dont have any amex cards what are the best 3 to apply for?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on September 27, 2012, 12:38:22 PM
this was my first 3bm that worked!!!!!
Called boa this morning they said they could only approve me for the spirit world cuz that has 5k cl min and they cant approve for any other card called back later and told the lady i want the travelers card for better perks she said sure. im thinking about calling again for the boa amex tell them i need a amex for some stores but i dont think its worth it rather wait a month or two to apply for spg, blue cash, pl
called for amex decline do to low credit since they approved the spirit then huca still no luck. fyi boa marks each phone call and when I huca they said you just spoke to someone and NO

Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on September 27, 2012, 04:57:50 PM
Is the Bold 50k at office supplies reset after 12 months or Jan 1?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on September 27, 2012, 05:03:07 PM
Is the Bold 50k at office supplies reset after 12 months or Jan 1?
"Annually” means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve billing cycles thereafter.
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on September 27, 2012, 05:31:17 PM
"Annually” means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve billing cycles thereafter.

I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on September 27, 2012, 06:02:36 PM
I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?
My quote is from the app page.
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on September 27, 2012, 06:03:41 PM
My quote is from the app page.

lol that's what I had thought until I got that sm. Now to think if I can leverage this somehow  :D
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on September 27, 2012, 06:06:07 PM
I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?
What's "everything else" ?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on September 27, 2012, 06:16:52 PM
Now to think if I can leverage this somehow  :D
I'm sure you can...
Title: Re: Questions and Help for BEGINNERS!
Post by: chaimmayer on September 27, 2012, 11:38:49 PM
If I have a $50 credit on my united card and I don't want to spend on it because I am busy trying to meet other spending thresholds can I ask them for a refund check?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on September 27, 2012, 11:39:18 PM
If I have a $50 credit on my united card and I don't want to spend on it because I am busy trying to meet other spending thresholds can I ask them for a refund check?

Sure. You can ask through SM.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on October 09, 2012, 01:59:04 PM
I was denied from amex plat and PRG because the number i wrote on app was higher than on 4506-t which they said I needed to send in.  So I called amex and told them I wrote "household income" on app and thats why it doesnt match.  So they asked me if I wanted to change what it says on app so i lowered the number (still higher than 4506-t) and she said still not matching....

Should/Could i call up again and ask them if i can change the annual income number on the app to the exact number on 4506-t form?  Only reason I didnt do it first time is because afraid theyll say no to the fact thats its not enough income
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on October 09, 2012, 09:55:23 PM
Why not?
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on October 10, 2012, 11:32:04 AM
ive had a question for a while and i dont have a straight answer for this:
by opening and closing CC's every few months, how badly will that effect your Credit score?

basically im trying to convince a friend to get in to the CC game but he is scared that churning will ruin his score and mess up his credit if he wants to take out a loan or something.
what do i tell him?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on October 10, 2012, 11:51:43 AM
Opening cards will have a negative effect on your score to the tune of <10 points per hard inquiry, as well as possibly lowering your AAofA (though it seems this factor is mitigated by the fact that closed accounts apparently stay on one's CR for 10 years before falling off and also count toward AAoA). The score will eventually come back and perhaps be even stronger in light of the fact you now have more credit lines, longer good history, etc.

Closing (credit) cards will also have a negative effect on one's score, all things being equal, as it reduces one's available credit, thereby increasing utilization %.

Though there has been some debate, I personally would not engage in any heavy churning in the months (12-24) leading up to a large loan application (e.g. mortgage).
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on October 12, 2012, 10:28:22 AM
"Annually” means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve billing cycles thereafter.
I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?
hmmm the points didn't show up automatically
Title: Re: Questions and Help for BEGINNERS!
Post by: Kvending on October 15, 2012, 10:50:18 PM
Anyone know if it's possible to change your username? & if yes how?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on October 16, 2012, 01:09:04 AM
Go to forum profile.
Looking for a good idea?
Title: Re: Questions and Help for BEGINNERS!
Post by: Kvending on October 16, 2012, 01:17:57 AM
Go to forum profile.
Looking for a good idea?

Thanks a lot. Just switched it. Thanks.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on October 16, 2012, 01:19:22 AM
Why not MeshugenerFan?
Title: Re: Questions and Help for BEGINNERS!
Post by: Kvending on October 16, 2012, 01:21:53 AM
Why not MeshugenerFan?

Now that's a good one. Thanks a lot for the help.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on October 16, 2012, 05:11:45 PM
I just got approved for a SP... didn't receive the card yet but want to start using the card..is there any way to get the info?
Via phone or SM?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on October 16, 2012, 05:14:20 PM
I just got approved for a SP... didn't receive the card yet but want to start using the card..is there any way to get the info?
Via phone or SM?
ask them to expedite via UPS.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on October 16, 2012, 05:16:55 PM
I just got approved for a SP... didn't receive the card yet but want to start using the card..is there any way to get the info?
Via phone or SM?
They won't give you the cc number over the phone. The quickest way to get the cc # is to ask them to overnight you the card.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on October 16, 2012, 05:18:10 PM
ask them to expedite via UPS.



And how do I ask them to expedite? Via phone or SM? And if phone then what number?

Thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on October 16, 2012, 05:20:10 PM


And how do I ask them to expedite? Via phone or SM? And if phone then what number?

Thanks

800-493-3319
 i think 6 is the cutoff time so call them before 6 to get by tomorrow.

Best way to do it is to add an AU and ask them to overnight the AU cc.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on October 16, 2012, 05:31:30 PM
800-493-3319
 i think 6 is the cutoff time so call them before 6 to get by tomorrow.

Best way to do it is to add an AU and ask them to overnight the AU cc.

Does it cost money to overnight it?

Why is the best way to do it by adding an AU? Why not ask them to overnight the main card?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on October 16, 2012, 05:37:59 PM
The main card takes about 10 days to get processed and then mailed out.

You can ask them to send you a duplicate of the primary cc, but if they realize that you haven't received the original cc yet, they probably won't do it.

Just use smart wording. . .
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on October 16, 2012, 06:04:53 PM
The main card takes about 10 days to get processed and then mailed out.


not really, if you ask for an overnight right after appeoval.
But it could also depend on the type of card, as I didnt have luck expediting 2 BA cards, all with the same answer that it takes time to process, but never had a problem with any other Chase cards, even co-branded like United or Hyatt.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on October 16, 2012, 06:14:38 PM
not really, if you ask for an overnight right after appeoval.
But it could also depend on the type of card, as I didnt have luck expediting 2 BA cards, all with the same answer that it takes time to process, but never had a problem with any other Chase cards, even co-branded like United or Hyatt.
I just got approved for a SP... didn't receive the card yet but want to start using the card..is there any way to get the info?
Via phone or SM?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on October 21, 2012, 02:24:40 PM
I know to open an SP you need at least $5k to open it..what about other chase cards?

And also after its open does it still need $5k to stay open?

Is it possible to get approved for SP then HUCA for a different card right after and transfer some CL to get new card approved and leave SP with less than $5k?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on October 21, 2012, 02:43:42 PM
I just got approved for a SP... didn't receive the card yet but want to start using the card..is there any way to get the info?
Via phone or SM?

ive done this plenty of times - call a chase branch or walk in and ask them for the numbers they'll give it to u - besides the the numbers on the back (and anywyas u  can make them up when buying online - just  you might have to type it in twicwe)
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on October 21, 2012, 02:48:45 PM
ive done this plenty of times - call a chase branch or walk in and ask them for the numbers they'll give it to u - besides the the numbers on the back (and anywyas u  can make them up when buying online - just  you might have to type it in twicwe)

I might need those numbers on back of card for my purchase...paying for college...
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on October 23, 2012, 04:42:31 PM
On main page of DDF on bottom of page where it shows how many users online it shows a few users are hidden...how does one hide himself?
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on November 10, 2012, 06:44:27 PM
lol that's what I had thought until I got that sm. Now to think if I can leverage this somehow  :D

looks like I got my double dip on the 15k bonus after $50k spend on the IB with exclusives  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on November 10, 2012, 07:16:22 PM
looks like I got my double dip on the 15k bonus after $50k spend on the IB with exclusives  :)
kol hakavode!!  ;D

Whats IB
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on November 10, 2012, 07:18:01 PM
kol hakavod!!  ;D

Whats IB
FTFY

Ink bold
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on November 10, 2012, 07:21:02 PM
looks like I got my double dip on the 15k bonus after $50k spend on the IB with exclusives  :)
Nice!

They applied the 15k bonus manually before Jan 1st? They didn't say that it will automatically kick in on your January statement?
Title: Questions and Help for BEGINNERS!
Post by: bubbles on November 10, 2012, 07:25:08 PM
Nice!

They applied the 15k bonus manually before Jan 1st? They didn't say that it will automatically kick in on your January statement?

Nope they manually posted it last month when I quoted them the T&C that says it goes by card member year (thanks Dan) and it auto posted on this month when I reached the $50k based on calendar year
Title: Re: Questions and Help for BEGINNERS!
Post by: sruly101 on November 12, 2012, 04:33:11 PM
The %7 bonus from chase sapphire is posted in Feb. On which points do i get the bonus? that i manged getting till the end of Jan? or till the end of the previous year?  (the next Feb. will be ´13, will i get only on points that i got till the end of ´12? or even later till Feb.)
asking cuz just got the sapphire waana know if need to rush to get the signup bonus of 40k before the end of ´12
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on November 15, 2012, 09:29:29 PM
i know this is a basic question but i cant figure it out.  when i sm someone how do i copy a screenshot. i tried copying from paint but it wont paste. can you send a screenshot via sm ? i feel like an idiot. what am I missing???
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on November 15, 2012, 09:51:40 PM
i know this is a basic question but i cant figure it out.  when i sm someone how do i copy a screenshot. i tried copying from paint but it wont paste. can you send a screenshot via sm ? i feel like an idiot. what am I missing???
do you mean pm someone? if yes did you try doing it the same way you would upload a pic to the forums
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on November 15, 2012, 09:55:39 PM
do you mean pm someone? if yes did you try doing it the same way you would upload a pic to the forums

no. sm amex? i see you can by chase.
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on November 15, 2012, 09:57:02 PM
no. sm amex? i see you can by chase.
maybe try it anyway
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on November 15, 2012, 09:59:33 PM
maybe try it anyway

I mean by amex there is no where to upload a pic. And I tried copying straight into the box but don't work. What am I missing? I feel like a huge nOOn. Maybe I am:)

Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on November 16, 2012, 12:00:49 PM
I mean by amex there is no where to upload a pic. And I tried copying straight into the box but don't work. What am I missing? I feel like a huge nOOn. Maybe I am:)

They told me to either fax it or mail. Isnt there a way to sm amex a screenshot?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on November 18, 2012, 06:11:40 PM
They told me to either fax it or mail. Isnt there a way to sm amex a screenshot?

BUMP

Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on November 19, 2012, 03:14:18 AM
BUMP
No. There makpid. But u can send a fax from ur e mail
Title: Re: Questions and Help for BEGINNERS!
Post by: Jkhein on November 19, 2012, 03:31:38 AM
No. There makpid. But u can send a fax from ur e mail
how?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on November 19, 2012, 06:01:42 AM
how?

not sure i will ask my wife she just did it here in israael, you can google it
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on November 19, 2012, 07:37:54 AM
No. There makpid. But u can send a fax from ur e mail

Thanks alot 
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on November 26, 2012, 12:34:03 PM
Can Delta miles be used on other airlines?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on November 26, 2012, 12:34:51 PM
Can Delta miles be used on other airlines?

Yes. DL is part of SkyTeam. They also can be used on other partners such as TN.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on November 26, 2012, 12:48:52 PM
Yes. DL is part of SkyTeam. They also can be used on other partners such as TN.
Thanks!

I am glad this is the beginners thread. TN?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on November 26, 2012, 01:07:50 PM
Thanks!

I am glad this is the beginners thread. TN?

GIYF (hey, that's a beginner's lesson).

But, in the interest of how far we go back: Air Tahiti Nui
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on November 26, 2012, 01:12:06 PM
But, in the interest of how far we go back: Air Tahiti Nui
No way would a beginner ever guess that one and Google does not help with "TN".
Title: Re: Questions and Help for BEGINNERS!
Post by: mclovin on November 26, 2012, 01:14:23 PM
No way would a beginner ever guess that one and Google does not help with "TN".
but it does help with "TN airline code"
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on November 26, 2012, 01:15:19 PM
Light bulb just went on. TN = Bora Bora?
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on November 26, 2012, 01:16:07 PM
but it does help with "TN airline code"
You guys are great!!!
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on November 26, 2012, 01:21:15 PM
Light bulb just went on. TN = Bora Bora?

Ding ding ding.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on November 26, 2012, 01:21:42 PM
I might be trying your patience with this one but how many DL miles for ORD > PPT on TN in F?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on November 26, 2012, 01:28:18 PM
I might be trying your patience with this one but how many DL miles for ORD > PPT on TN in F?
You can't use DL miles for F on any airline. 
#SkyPesos
And TN is very stingy in J.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on November 26, 2012, 01:38:29 PM
Damn, thought I would have free flights in F. Just to show I am not completely helpless I did Google "J class" and found it was business class. Logged into Delta but can't book flights to PPE. How do I book/find award flights on TN using DL miles?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on November 26, 2012, 02:04:38 PM
Damn, thought I would have free flights in F. Just to show I am not completely helpless I did Google "J class" and found it was business class. Logged into Delta but can't book flights to PPE. How do I book/find award flights on TN using DL miles?

Either call DL directly, or use EF/KVS.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on December 01, 2012, 07:12:59 PM
I have HH Gold can I get Hyatt to match?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: Ergel on December 01, 2012, 07:20:46 PM
I have HH Gold can I get Hyatt to match?
To diamond.
It's tough without any stays but persistence usually pays off
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on December 01, 2012, 07:27:44 PM
To diamond.
It's tough without any stays but persistence usually pays off
I have no HH stays either. Would that make it harder to match? Do I write/call?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: mmermss on December 01, 2012, 07:39:43 PM
I have no HH stays either. Would that make it harder to match? Do I write/call?
How did you get HH gold without stays?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: AJK on December 01, 2012, 07:57:19 PM
I have no HH stays either. Would that make it harder to match? Do I write/call?

It can make it harder. Email Hyatt a screenshot.
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on December 01, 2012, 08:03:19 PM
It can make it harder. Email Hyatt a screenshot.
HH gold status ends this month. If Hyatt did match would it only be for a month?
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: Ergel on December 01, 2012, 08:10:19 PM
HH gold status ends this month. If Hyatt did match would it only be for a month?
Two months (no matter when you match, it's a challenge with fast track to keep status)
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on December 01, 2012, 08:14:00 PM
Two months (no matter when you match, it's a challenge with fast track to keep status)
During the two months match if I get the Hyatt CC I will get two nights in a suite?
Title: Re: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: Ergel on December 01, 2012, 08:31:20 PM
During the two months match if I get the Hyatt CC I will get two nights in a suite?
Yuppers
ETA: I think it may go by when you do first spend
Title: Re: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: AJK on December 01, 2012, 08:54:32 PM
Yuppers
ETA: I think it may go by when you do first spend

No, it goes with time of approval.
Title: Re: Questions and Help for BEGINNERS!
Post by: gingiboy5 on December 05, 2012, 05:18:53 PM
Just started getting my feet wet...still learning so please help me learn more!
1) I had an SPG from high school but i didnt know what i was doing b/c it was a favor for my sis so I dont have much pts on it.
2) Opened up a chase checking acct, found out about 3bm, and started off with Chase Freedom and SP Visa.
3) Downgraded the SP months later after getting the 40K and then went for United Explorer, Hyatt, and SP MC.
4) Just finished fulfilling the spending bonuses on those cards and continued with Citi AA and Hilton Reserve last week.
5) After i fulfill those spending bonuses, what should i do next?
Thanks for the time and patience!!!

Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on December 05, 2012, 05:20:01 PM
Just started getting my feet wet...still learning so please help me learn more!
1) I had an SPG from high school but i didnt know what i was doing b/c it was a favor for my sis so I dont have much pts on it.
2) Opened up a chase checking acct, found out about 3bm, and started off with Chase Freedom and SP Visa.
3) Downgraded the SP months later after getting the 40K and then went for United Explorer, Hyatt, and SP MC.
4) Just finished fulfilling the spending bonuses on those cards and continued with Citi AA and Hilton Reserve last week.
5) After i fulfill those spending bonuses, what should i do next?
Thanks for the time and patience!!!

get a job  ;D jk
go for some amex cards
Title: Re: Questions and Help for BEGINNERS!
Post by: gingiboy5 on December 05, 2012, 05:23:44 PM
get a job  ;D jk
go for some amex cards
I have a job after i finish up college next month! Figure learn everything now before i have no more time.
what 3 AmEx should i go for? Delta Gold, Hilton Hhonors?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on December 05, 2012, 05:28:53 PM
I have a job after i finish up college next month! Figure learn everything now before i have no more time.
what 3 AmEx should i go for? Delta Gold, Hilton Hhonors?

nice  good luck in scool  and go for a new spg, gold and maybe mb platt

try southwest has for 50k now too (chase)
Title: Re: Questions and Help for BEGINNERS!
Post by: gingiboy5 on December 05, 2012, 08:19:37 PM
What is the best/quickest way to fulfill a credit card's spending bonus? Besides buying gift cards...Is their a way to put that money back in your bank account?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on December 05, 2012, 08:21:42 PM
What is the best/quickest way to fulfill a credit card's spending bonus? Besides buying gift cards...Is their a way to put that money back in your bank account?

Amazon payments
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on December 05, 2012, 08:39:07 PM
What is the best/quickest way to fulfill a credit card's spending bonus? Besides buying gift cards...Is their a way to put that money back in your bank account?
I know you're in the beginners thread, but no ones gonna spoon feed you that info. There are many threads discussing different methods for accomplishing this.

Here's the link to the AP method that skys' referring to
http://forums.dansdeals.com/index.php?topic=3524.0

And here's some other helpful threads
http://forums.dansdeals.com/index.php?topic=21024.0
http://forums.dansdeals.com/index.php?topic=7224.0
http://forums.dansdeals.com/index.php?topic=22719.0
http://www.dansdeals.com/archives/26616
Title: Re: Questions and Help for BEGINNERS!
Post by: gingiboy5 on December 05, 2012, 08:46:27 PM
I know you're in the beginners thread, but no ones gonna spoon feed you that info. There are many threads discussing different methods for accomplishing this.

Here's the link to the AP method that skys' referring to
http://forums.dansdeals.com/index.php?topic=3524.0

And here's some other helpful threads
http://forums.dansdeals.com/index.php?topic=21024.0
http://forums.dansdeals.com/index.php?topic=7224.0
http://forums.dansdeals.com/index.php?topic=22719.0
http://www.dansdeals.com/archives/26616
You're right. Thanks.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on December 06, 2012, 07:26:50 PM
When booking a ticket with USAir, do I get a better refund/cancellation policy when doing it with orbitz, or with the airline itself?

Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on December 09, 2012, 10:53:43 PM
Anyway to see pending charges on a Citi AA Business card?
Title: Re: Questions and Help for BEGINNERS!
Post by: Fan of Dan on December 10, 2012, 01:27:47 AM
Anyway to see pending charges on a Citi AA Business card?
Don't know about biz but on the personal they just added that feature. Could be biz is on the way.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on December 10, 2012, 07:25:04 AM
Anyway to see pending charges on a Citi AA Business card?
Not the charge but the available credit will be decreased.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on December 10, 2012, 10:47:19 AM
Not the charge but the available credit will be decreased.

Yeah, I know about personal, couldn't find it on business.

Not the charge but the available credit will be decreased.

Yeah, noticed that. Too bad.
Title: Re: Questions and Help for BEGINNERS!
Post by: Fish Tank on December 10, 2012, 11:16:19 AM
Family members of mine will be flying UA and US (to TLV) . Can I put my Agean number on their itinerary in order to reach star gold?
Will they realize that the passenger name doesn't match the ff account?
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on December 10, 2012, 12:43:49 PM
Is there any thing I can say or do to get approved for chase cards after I got denied due to too many cards if I don't have any other chase cards to shift around credit. I got approved for one out of 3 by a 3bm which was spmc with 5000 limit. I have a decent credit and a bunch of cards from other banks
Title: Re: Questions and Help for BEGINNERS!
Post by: awardticket on December 10, 2012, 09:02:03 PM
How come on every post I am asked to verify the letters to make sure I am not a machine? I already did that when I made my account as well as my first few posts including this one.
Title: Re: Questions and Help for BEGINNERS!
Post by: awardticket on December 10, 2012, 10:22:51 PM
How come on every post I am asked to verify the letters to make sure I am not a machine? I already did that when I made my account as well as my first few posts including this one.
Now it seems to be better. Not sure what was going on.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on December 10, 2012, 10:32:37 PM
Is there any thing I can say or do to get approved for chase cards after I got denied due to too many cards if I don't have any other chase cards to shift around credit. I got approved for one out of 3 by a 3bm which was spmc with 5000 limit. I have a decent credit and a bunch of cards from other banks

try to transfer from your new sp
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on December 11, 2012, 09:38:04 AM
try to transfer from your new sp
I have a 5000 limit on that which they said is the lowest and can't go lower
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on December 11, 2012, 09:40:57 AM
I have a 5000 limit on that which they said is the lowest and can't go lower
HUCA some more. Don't believe everything reps tell you.
Title: Re: Questions and Help for BEGINNERS!
Post by: Awainer1 on January 03, 2013, 08:17:40 PM
I just got approved for chase sp ink bold and ink plus.  Waiting to hear from amex on spg and blue.  I have 4 pulls 2 from amex 2 from chase in the last two months.  It'll take me 3 months to hit spending threshold on the cards but how long should I wait before applying for new cards?  6 months? Also how do you churn the business cards, cancel and reapply?
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on January 07, 2013, 10:55:17 PM
Hi. I am very new to credit card points... I know very little about how all this works so any help would be greatly appreciated. I just applied for 2 Amex Platinum accounts for my wife and I. I wanted to take advantage of the 100,000 point signup bonus x2. Is there any point of keeping this credit card after i get the points and pay the $450 fee? I normally use a regular green Amex card for all my purchaces. Should I cancel my wifes new account and keep one? Thank you very much.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on January 07, 2013, 11:07:28 PM
Hi. I am very new to credit card points... I know very little about how all this works so any help would be greatly appreciated. I just applied for 2 Amex Platinum accounts for my wife and I. I wanted to take advantage of the 100,000 point signup bonus x2. Is there any point of keeping this credit card after i get the points and pay the $450 fee? I normally use a regular green Amex card for all my purchaces. Should I cancel my wifes new account and keep one? Thank you very much.

Bad news (if you currently have that card).
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on January 07, 2013, 11:31:40 PM
Bad news (if you currently have that card).
Please explain, why is it bad news if I use the green card? I am really new to this. Please help. Thank you.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on January 07, 2013, 11:33:11 PM
Please explain, why is it bad news if I use the green card? I am really new to this. Please help. Thank you.

"Welcome bonus offer not available to applicants who have had this product within the last 12 months or any Consumer ZYNC®, Green or Gold Card account within the last 90 days."
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on January 07, 2013, 11:35:37 PM
"Welcome bonus offer not available to applicants who have had this product within the last 12 months or any Consumer ZYNC®, Green or Gold Card account within the last 90 days."
Thank you for responding. Does that mean even though they sent me the approval email they will cancel it?
Title: Questions and Help for BEGINNERS!
Post by: lcyitz on January 07, 2013, 11:36:28 PM
Approved for the card doesn't mean you'll get the bonus.
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on January 08, 2013, 01:53:19 AM
Is there any point of keeping this credit card after i get the points and pay the $450 fee?
once you pay why would you cancel it as its a great card to have. Also why would you pay the $450 as you can cancel within 60 of the charge posting and get it waived
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on January 08, 2013, 08:40:09 AM
once you pay why would you cancel it as its a great card to have. Also why would you pay the $450 as you can cancel within 60 of the charge posting and get it waived
.  I understand I could cancel within 60 days and not pay $450 fee. My question is if it's worth the $450 to keep this card or if I should cancel and stick with my green Amex card. I feel really stupid that I didn't realize what AJK pointed out, that I wont be getting the bonus points. Oh well. You live you learn.
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on January 08, 2013, 03:04:52 PM
Even though you prob won't get the bonus you can still do pggm on both cards to get $400
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on January 09, 2013, 05:06:15 PM
Even though you prob won't get the bonus you can still do pggm on both cards to get $400
How do I get that?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on January 09, 2013, 05:09:37 PM
How do I get that?
Read this (http://forums.dansdeals.com/index.php?topic=3802.0) wiki.

GL  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on January 20, 2013, 03:52:36 PM
Can Checkmytrip.com pull up Spirit Airlines reservations?

And if not is there ANY way to see a reservation without having to make a Spirit account?


Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on January 20, 2013, 06:20:02 PM
Can Checkmytrip.com pull up Spirit Airlines reservations?

And if not is there ANY way to see a reservation without having to make a Spirit account?
yep, only a beginner will ask a question about spirit.
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on January 20, 2013, 06:21:52 PM
yep, only a beginner will ask a question about spirit.

Lol. It's not for me. I do not fly Spirit. I helped my neighbor book a flight and Spirit was $500 cheaper than any other airline. It was the first time I've checked their fees in the last few years.
Not normal! 
Title: Re: Questions and Help for BEGINNERS!
Post by: chaimmayer on January 20, 2013, 09:23:53 PM
Does anyone know of a good website or a good thread here with a "for dummies guide" on how to use miles to book international travel.  I have never done it before and am looking specifically for israel.
Thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on January 20, 2013, 09:38:34 PM
Search, ask and you most probably get the desired help.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on January 20, 2013, 10:29:27 PM
Does anyone know of a good website or a good thread here with a "for dummies guide" on how to use miles to book international travel.  I have never done it before and am looking specifically for israel.
Thanks
You're don't know which miles to use? If that's tge case, I can post a few links to the main site when I get to a pc, of write ups by Dan. 

If not, what type of info are you looking for? General,  or specific?
Title: Re: Questions and Help for BEGINNERS!
Post by: chaimmayer on January 20, 2013, 11:12:49 PM
You're don't know which miles to use? If that's tge case, I can post a few links to the main site when I get to a pc, of write ups by Dan. 

If not, what type of info are you looking for? General,  or specific?
I need to book two tickets for this summer for tlv to jacksonville,fl to chicago back to tlv.
I have ur and spg .  I looked on united.com and it seemed like it was 150k round trip.  I think that it was because there was no availibity.  Is that it or am I dong something wrong?  any tricks I should know?  stopovers need to be added by phone? right?
Title: Re: Questions and Help for BEGINNERS!
Post by: Fish Tank on January 27, 2013, 02:19:55 AM
I didn't find a beginners thread in the up in the air section so I'm posting here.

This is probably a dumb question. If I fly on an award ticket (a ticket booked with points), do I earn miles for that flight?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on January 27, 2013, 02:26:03 AM
I didn't find a beginners thread in the up in the air section so I'm posting here.

This is probably a dumb question. If I fly on an award ticket (a ticket booked with points), do I earn miles for that flight?
no.
Title: Re: Questions and Help for BEGINNERS!
Post by: Fish Tank on January 27, 2013, 02:27:33 AM
no.
Thank you
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on January 27, 2013, 06:20:23 PM
Q-
     On United am I allowed 2 open Jaws in ADDITION to my destination and stopover ?

Could I book the following?

ORD-FRA-NCE stop

MRS-FRA-VCE stop

MXP-FRA- DUB stop

DUB-FRA-ORD
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on January 27, 2013, 08:52:58 PM
Q-
     On United am I allowed 2 open Jaws in ADDITION to my destination and stopover ?

Could I book the following?

ORD-FRA-NCE stop

MRS-FRA-VCE stop

MXP-FRA- DUB stop

DUB-FRA-ORD

No.
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on January 27, 2013, 08:54:40 PM
No.


Thanks.
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: AJK on January 27, 2013, 09:06:31 PM

Thanks.

I should be clearer -- UA just combines 2 one ways together for a RT.

So you're entitled to one stopover on a UA "round trip", and then can have 2 OJs because they're simply 2 one ways.
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: sky121 on January 27, 2013, 09:44:56 PM
I should be clearer -- UA just combines 2 one ways together for a RT.

So you're entitled to one stopover on a UA "round trip", and then can have 2 OJs because they're simply 2 one ways.

So what's wrong with my itinerary?
Title: Re: Questions and Help for BEGINNERS!
Post by: Ergel on January 27, 2013, 10:09:53 PM
I should be clearer -- UA just combines 2 one ways together for a RT.

So you're entitled to one stopover on a UA "round trip", and then can have 2 OJs because they're simply 2 one ways.
You can have a stopover in addition to your destination
ORD-LHR (stop)
LHR-ZRH (stop)
ZRH-ORD
That's more than just two OW's
Title: Re: Questions and Help for BEGINNERS!
Post by: Ergel on January 27, 2013, 10:10:09 PM
So what's wrong with my itinerary?
It's not two OJ's in addition to the stops
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on January 27, 2013, 10:19:29 PM
So what's wrong with my itinerary?
You can't have a OJ en route meaning EWR - LHR(OJ) - CDG - TLV(destination). The OJ is en route of EWR-TLV.

You can only have an OJ at the origin or destination. 
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on January 27, 2013, 10:22:50 PM
You can have a stopover in addition to your destination
ORD-LHR (stop)
LHR-ZRH (stop)
ZRH-ORD
That's more than just two OW's

-1

That's simply:

1) ORD-LHR(stop)-ZRH(dest)
2) ZRH-ORD
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: AJK on January 27, 2013, 10:24:36 PM
You can't have a OJ en route meaning EWR - LHR(OJ) - CDG - TLV(destination). The OJ is en route of EWR-TLV.

You can only have an OJ at the origin or destination.

That's correct in terms of getting it to auto price, but crazier things have been done on phone.
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on January 27, 2013, 10:26:29 PM
That's correct in terms of getting it to auto price, but crazier things have been done on phone.
Im talking "legal" terms.
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:00:48 AM
Very simple question but I don't know the answer  :(
How does one go about transferring MR from one Amex card to another (same person)?
TIA for any help!
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on January 28, 2013, 10:02:11 AM
Very simple question but I don't know the answer  :(
How does one go about transferring MR from one Amex card to another (same person)?
TIA for any help!
If it's the same person, all the MR points should be connected to all the persons MR cards.
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:03:52 AM
If it's the same person, all the MR points should be connected to all the persons MR cards.
when i view my account, each of my cards has its own MR number and the points are separate...
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on January 28, 2013, 10:07:41 AM
when i view my account, each of my cards has its own MR number and the points are separate...
Interesting. That is not the way it's supposed to be. Give them a call.
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:10:41 AM
Interesting. That is not the way it's supposed to be. Give them a call.
Hmm, never knew its not supposed to be like that. In that case, this may actually be a benefit for me because I applied for Plat and PRG at the same time, so maybe with separate MR accounts I have a better chance of getting both sign-up bonuses? Any thoughts?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on January 28, 2013, 10:12:15 AM
Hmm, never knew its not supposed to be like that. In that case, this may actually be a benefit for me because I applied for Plat and PRG at the same time, so maybe with separate MR accounts I have a better chance of getting both sign-up bonuses? Any thoughts?
Dont call. It can possibly benefit you, with what you said.
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:16:06 AM
Dont call. It can possibly benefit you, with what you said.
only problem is I want to cancel my Plat to get AF refunded. I opened Plat on Jan 6. How long can I wait before cancelling and still get full refund? If I cancel now without combining MR accounts, I'll lose my 100,000 MR from plat sign-up bonus.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 10:16:25 AM
when i view my account, each of my cards has its own MR number and the points are separate...
i would jut play it out. Don't call. Why u care?
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:19:08 AM
i would jut play it out. Don't call. Why u care?
I care because I need somewhere to dump my Plat MR points before cancelling.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 10:20:55 AM
I care because I need somewhere to dump my Plat MR points before cancelling.
soooo?!  Transfer them to the other card?  Also u have till march 6 u know to cancel. If im not mistaken
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on January 28, 2013, 10:21:52 AM
According to the Amex Platinum thread wiki, you have 60 days from the day the annual fee posts to cancel and get your refund. It does say YMMV.
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:22:23 AM
soooo?!  Transfer them to the other card?  Also u have till march 6 u know to cancel. If im not mistaken
lol! that was my original noobie question (scroll up a few posts) - how do i go about tranferring MR from one account to the other?
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:22:58 AM
According to the Amex Platinum thread wiki, you have 60 days from the day the annual fee posts to cancel and get your refund. It does say YMMV.
TY
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 10:24:27 AM
lol! that was my original noobie question (scroll up a few posts) - how do i go about tranferring MR from one account to the other?
how do u transfer is what ur asking?!
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:24:56 AM
how do u transfer is what ur asking?!
yup  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 10:28:55 AM
yup  :)
did both sets of points post yet?
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:29:33 AM
did both sets of points post yet?
no, only plat so far
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on January 28, 2013, 10:30:30 AM
I don't think there is a way to transfer without calling and asking them to transfer, they might just merge your accounts.
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:31:54 AM
I don't think there is a way to transfer without calling and asking them to transfer, they might just merge your accounts.
makes sense. so in that case i'll wait for PRG points to post before calling to combine accounts and cancel plat.
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on January 28, 2013, 10:33:57 AM
Before you cancel your Plat, make sure all the points are connected to the PRG.
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:35:27 AM
Before you cancel your Plat, make sure all the points are connected to the PRG.
sound advice indeed. thanks!
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on January 28, 2013, 10:37:38 AM
Just one more thing, don't bank on them merging your accounts, I don't know if they do that. You're situation is very uncommon.
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 10:39:20 AM
Just one more thing, don't bank on them merging your accounts, I don't know if they do that. You're situation is very uncommon.
so what do i do if they won't merge the accounts? how do I save plat points before cancelling? please don't tell me I have to transfer airline!! That would be painful to hear.
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on January 28, 2013, 10:41:58 AM
so what do i do if they won't merge the accounts? how do I save plat points before cancelling? please don't tell me I have to transfer airline!! That would be painful to hear.
If they don't merge your accounts, and they don't transfer your Plat points to the MR account associated with your PRG, you may have to transfer to an airline.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 11:25:20 AM
makes sense. so in that case i'll wait for PRG points to post before calling to combine accounts and cancel plat.
exactly
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 11:26:27 AM
Just one more thing, don't bank on them merging your accounts, I don't know if they do that. You're situation is very uncommon.
-1

ive had this before with my moms and mine acct's i just called ans asked to merge them being she cancelled and since we were the same add they did it
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 11:30:53 AM
ive had this before with my moms and mine acct's i just called ans asked to merge them being she cancelled and since we were the same add they did it
thanks, good to know
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on January 28, 2013, 02:07:04 PM
-1

ive had this before with my moms and mine acct's i just called ans asked to merge them being she cancelled and since we were the same add they did it
IIRC this is YMMV.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on January 28, 2013, 02:29:55 PM
I did it just yesterday. Not a problem at all.
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on January 28, 2013, 02:32:01 PM
I did it just yesterday. Not a problem at all.
Then George is set!
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 03:07:00 PM
thank you @meshugener and @baruch for your help
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 04:00:54 PM
thank you @meshugener and @baruch for your help
your welcome ;)
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on January 28, 2013, 04:03:33 PM
your welcome ;)

Your help isn't wanted here :P
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 04:04:56 PM
Your help isn't wanted here :P
go mess with someone ur own size :o

Nice sig too  ;D lol
Title: Re: Questions and Help for BEGINNERS!
Post by: george on January 28, 2013, 04:09:51 PM
your welcome ;)
you're right, your posts were helpful too... eventually (i.e. once you read all the posts pertaining to the conversation) ;)
so thank you @rots5  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on January 28, 2013, 04:15:40 PM
you're right, your posts were helpful too... eventually (i.e. once you read all the posts pertaining to the conversation) ;)
so thank you @rots5  :)

Eh. As long as you think so.   ;D :P
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on January 28, 2013, 04:19:25 PM
go mess with someone ur own size :o

Nice sig too  ;D lol

Thanks  :P

mmerms deserves it  ;D
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: mmermss on January 28, 2013, 04:20:38 PM
Thanks  :P

mmerms deserves it  ;D

Huh?  What did I do wrong?  ???
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on January 28, 2013, 04:22:25 PM
Huh?  What did I do wrong?  ???

Sending all those people rots way...
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: mmermss on January 28, 2013, 04:24:13 PM
Sending all those people rots way...

He told people to PM him...Im just giving him free advertising....
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 04:27:39 PM
He told people to PM him...Im just giving him free advertising....
@goerge
#gottaknowmyhumor

@mmerms @unique you both R pretty
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: mmermss on January 28, 2013, 04:28:58 PM
@mmerms @unique you both R pretty....
.....?
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 04:29:58 PM
.....?
u both are at each others throats
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on January 28, 2013, 04:30:22 PM
@mmerms @unique you both R pretty
#gottaknowmyhumor

FTFY
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on January 28, 2013, 04:32:54 PM
How do I redeem/check availability AA miles on El-Al?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on January 28, 2013, 04:33:46 PM
How do I redeem/check availability AA miles on El-Al?

PUTPAC and/or EF.

Though there has been issues as of late with partner availability.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on January 28, 2013, 04:36:45 PM
Can you get points accredited to a FFN after the flight? If yes, how much after?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on January 28, 2013, 04:38:24 PM
How do I redeem/check availability AA miles on El-Al?
elal.com
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on January 28, 2013, 04:39:51 PM
elal.com
Dont they reserve some for themselves?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on January 28, 2013, 04:40:41 PM
Dont they reserve some for themselves?
No
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on January 28, 2013, 04:54:58 PM
elal.com
Available. What's next?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on January 28, 2013, 04:57:25 PM
Available. What's next?
PUTPAC AA.
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on January 28, 2013, 07:05:34 PM
Hi. I recently opened a gold Amex card to get a signup bonus and they sent me a bill for $150 (annual fee) like 2 weeks later. Do have have two months to cancel the card and get refunded this fee (like platinum)? Do I have to pay the annual fee before the due date. Thank you very much.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 07:09:06 PM
Hi. I recently opened a gold Amex card to get a signup bonus and they sent me a bill for $150 (annual fee) like 2 weeks later. Do have have two months to cancel the card and get refunded this fee (like platinum)? Do I have to pay the annual fee before the due date. Thank you very much.
firstly. Thanks for not starting a new thread. 
Second. just for future reference i was just discussed like 2 days ago. But i definitely understand its hard to find the answers sometimes

Third. Just call or sm them. That should be enough i didnt sign up with the crazy but i too had the same issue and one sm got me the 175 credited. Try that

 Gl and keep us posted
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on January 28, 2013, 07:18:28 PM
Hi. I recently opened a gold Amex card to get a signup bonus and they sent me a bill for $150 (annual fee) like 2 weeks later. Do have have two months to cancel the card and get refunded this fee (like platinum)? Do I have to pay the annual fee before the due date. Thank you very much.
Generally you need to pay the annual fee before the due date and then you get a refund when you close the card within 60 days.

In this case, this card is supposed to be free for the first year, so send them a secure message letting them know that you were mistakenly charged. 
Many have done this and amex removed the charge.
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on January 28, 2013, 08:01:06 PM
firstly. Thanks for not starting a new thread. 
Second. just for future reference i was just discussed like 2 days ago. But i definitely understand its hard to find the answers sometimes

Third. Just call or sm them. That should be enough i didnt sign up with the crazy but i too had the same issue and one sm got me the 175 credited. Try that

 Gl and keep us posted
Thank you rots5 and saver2000 for your fast help. I called and they took off the charge. I am very new to this and it is very overwelming for me. It is very nice of you to share your expertise with beginners. I wish I could pay someone to give me a class in the basics. If anyone in the Lakewood area would be interested, please contact me.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on January 28, 2013, 08:08:15 PM
Thank you rots5 and saver2000 for your fast help. I called and they took off the charge. I am very new to this and it is very overwelming for me. It is very nice of you to share your expertise with beginners. I wish I could pay someone to give me a class in the basics. If anyone in the Lakewood area would be interested, please contact me.
Np. Feel free to post your questions here or in the proper threads and we'll do our best to answer them.

Also, most of your questions have probably been answered already, so before asking, you can search and possibly find the topic discussing your situation.
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on January 28, 2013, 08:14:05 PM
Np. Feel free to post your questions here or in the proper threads and we'll do our best to answer them.

Also, most of your questions have probably been answered already, so before asking, you can search and possibly find the topic discussing your situation.
Thank you again.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on January 28, 2013, 08:17:10 PM
Thank you rots5 and saver2000 for your fast help. I called and they took off the charge. I am very new to this and it is very overwelming for me. It is very nice of you to share your expertise with beginners. I wish I could pay someone to give me a class in the basics. If anyone in the Lakewood area would be interested, please contact me.
yes what saver said. No need to pay :-) just ask we'd love to help! Its our pleasure. Never be afraid to ask but weary to start  ;D. Hope all goes well.  Im glad u got the credit!
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on January 31, 2013, 03:27:51 AM
Can I ask for compensation from an airline for a reservation canceled due to bad weather conditions?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on January 31, 2013, 10:55:04 AM
Can you ask? Sure.

Does it make you look like a greedy, impractical and unrealistic consumer terrorist? Yep.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on January 31, 2013, 12:23:41 PM
Can you ask? Sure.
Good. And would they honor me anything?
Does it make you look like a greedy, impractical and unrealistic consumer terrorist? Yep.
Yeah, I dont care
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on January 31, 2013, 12:24:51 PM
Yeah, I dont care

You must be an absolute joy to interact with in real life.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on February 04, 2013, 05:45:00 PM
Can you ask? Sure.


Thanks.
Got 5K AA miles, 2.5 for me and 2.5 for the Mrs.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on February 04, 2013, 05:46:22 PM
Thanks.
Got 5K AA miles, 2.5 for me and 2.5 for the Mrs.

Never said you wouldn't get :P

Just said you'd be a greedy consumer terrorist for asking  ::)
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 06, 2013, 08:00:22 PM
Anyone know of any good articles for a beginner who would like to start flying for free and accumulating points?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on February 06, 2013, 08:20:26 PM
Anyone know of any good articles for a beginner who would like to start flying for free and accumulating points?

Many of the blogs have "beginners posts"
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 09, 2013, 08:27:15 PM
Are there any physical locations to pay an Amex CC bill?
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on February 11, 2013, 03:22:27 PM
Are there any physical locations to pay an Amex CC bill?
There are places that charge a fee to pay your CC.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 11, 2013, 03:30:30 PM
There are places that charge a fee to pay your CC.
Thanks, I was thinking more like an Amex travel center.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 11, 2013, 03:38:09 PM
Thanks, I was thinking more like an Amex travel center.
try calling or sm amex
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 11, 2013, 03:43:10 PM
try calling or sm amex
This is the beginners thread. I expect others to that for me then report back.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 11, 2013, 03:43:53 PM
This is the beginners thread. I expect others to that for me then report back.  :)
lol....  ;D. I will sm them
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 11, 2013, 03:47:24 PM
lol....  ;D. I will sm them
Now thats a "typical american".
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 11, 2013, 03:51:46 PM
Now thats a "typical american".
lol.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 12, 2013, 09:49:42 AM

Response (Kumar Baadal)     02/11/2013 05:32 PM
Dear rots5,

Thank you for writing to us. I hope you are doing well!

I would like to share with you that we no longer accept payments in person or cash.

For your reference, I would like to inform you our acceptable forms of payments. They are:

-Personal check made payable to American Express.
-Business / Corporate check made payable to American Express.
-Certified / Cashier's check.
-Money Order.
-Gift Cheque / Travelers Cheque.
-American Express Pay by Phone.
-American Express Pay by Computer.
-Immediate or scheduled payment by phone with a Customer Care Professional (CCP)
-American Express AutoPay.
-Wire Transfer.
-Moneygram Quick Collect.
-Western Union Quick Collect.
-Balance transfer checks (paper or electronic) from other credit card issuers (for example, VISA, MasterCard, etc.)
-We do not accept direct credit card payments.
-Payments from external payment processors (for example, Paytrust, Bank of America)
-In-Store payments on Lowe's Business Rewards Cards at Lowe's stores.

We appreciate your understanding in this matter.

Sincerely,   
   
Kumar Baadal
Email Servicing Team
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 12, 2013, 09:56:15 AM
I don’t care what everyone else says, you are A OK in my book!  :)

Thanks. I think I might try paying at BOA.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 12, 2013, 10:04:46 AM
I don’t care what everyone else says, you are A OK in my book!  :)

Thanks. I think I might try paying at BOA.
thanks man... i try  :) i may say stupid things but i def try to be nice... and i think its so funny u can pay at lowes
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on February 12, 2013, 10:13:50 AM
thanks man... i try  :) i may say stupid things but i def try to be nice... and i think its so funny u can pay at lowes
well only for a Lowes card
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 12, 2013, 10:17:51 AM
well only for a Lowes card
didnt know amex had a lowes card.... does signing up for a macys amex get u hard pull?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on February 12, 2013, 10:21:30 AM
didnt know amex had a lowes card.... does signing up for a macys amex get u hard pull?
Yes
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 12, 2013, 01:09:59 PM
I want to start racking up some points and I need some help.
I have a couple of different cards. Starwood, Sapphire Preferred, BA, United, Blue cash and Freedm MC.
I got the signup points for all the cards. Any idea how i can start getting more points? Normal monthly spending is about 2k.
Title: Re: Questions and Help for BEGINNERS!
Post by: Ergel on February 12, 2013, 01:21:04 PM
Sign up for more cards
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on February 12, 2013, 10:26:14 PM
I want to start racking up some points and I need some help.
I have a couple of different cards. Starwood, Sapphire Preferred, BA, United, Blue cash and Freedm MC.
I got the signup points for all the cards. Any idea how i can start getting more points? Normal monthly spending is about 2k.
Sign up for the hyatt, SW or IB, IP, and UA biz.

Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on February 12, 2013, 11:50:20 PM
I don’t care what everyone else says, you are A OK in my book!  :)

Thanks. I think I might try paying at BOA.
Tell us how it goes, please.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on February 12, 2013, 11:57:19 PM
I don’t care what everyone else says, you are A OK in my book!  :)

Thanks. I think I might try paying at BOA.
Lemme get this straight.  You're looking for an amex physical location to pay a BOA amex? How would that work?
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on February 13, 2013, 12:03:23 AM
Lemme get this straight.  You're looking for an amex physical location to pay a BOA amex? How would that work?
I think he's paying an Amex (Bank) bill at BOA, because it seems from the sm rots5 received that you can.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on February 13, 2013, 12:07:53 AM
I think he's paying an Amex (Bank) bill at BOA, because it seems from the sm rots5 received that you can.
-1
Are there any physical locations to pay an Amex CC bill?
But I see what your talking about in rots5 sm response.
Interesting, I didn't know they take payments for amex. I wonder what they charge. . .
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 13, 2013, 01:52:39 AM
-1But I see what your talking about in rots5 sm response.
Interesting, I didn't know they take payments for amex. I wonder what they charge. . .

....i will ask too  :D

eta: asked
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on February 13, 2013, 02:19:56 AM
....i will ask too  :D

eta: asked
Thanx  :)

(Although, i'm not so sure amex would know how much boa charges. . . .)
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 13, 2013, 03:15:12 AM
Thanx  :)

(Although, i'm not so sure amex would know how much boa charges. . . .)
but they might reimburse the fee
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 13, 2013, 09:46:28 AM
Will try tomorrow and update.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 11:33:24 AM
How exactly does one churn cards? I want to do it, but I dont know how to go about doing it...
Title: Re: Questions and Help for BEGINNERS!
Post by: Sammy12345 on February 13, 2013, 11:36:06 AM
When applying for a new cc what amount do u write as ur income?
Do u say the truth or just make it up?
And when u do a 3bm do u write the same amount in all app?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 11:37:12 AM
How exactly does one churn cards? I want to do it, but I dont know how to go about doing it...
Open a card. Close it and open it again.

Any questions?
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 11:37:42 AM
When applying for a new cc what amount do u write as ur income?
Do u say the truth or just make it up?
And when u do a 3bm do u write the same amount in all app?
I usually write close to the truth. Yea i write the same in all
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 11:38:44 AM
Open a card. Close it and open it again.

Any questions?
Ha. Yes. As far as credit score goes, doing that doesnt effect your credit?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 11:38:55 AM
When applying for a new cc what amount do u write as ur income?
Do u say the truth or just make it up?
And when u do a 3bm do u write the same amount in all app?
If your real amount is very low you might wana stretch the truth.

I always put same number in 3bm. It would be weird if they saw you make three different incomes...
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 11:43:38 AM
Ha. Yes. As far as credit score goes, doing that doesnt effect your credit?

The hard pulls affect your credit a little but in long run when you get more CL and you don't use so much of it your score will get better. That is just one aspect of several that have an effect on your score.
http://forums.dansdeals.com/index.php?topic=11287.0
http://forums.dansdeals.com/index.php?topic=11287.0
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 11:47:14 AM
The hard pulls affect your credit a little but in long run when you get more CL and you don't use so much of it your score will get better. That is just one aspect of several that have an effect on your score.
http://forums.dansdeals.com/index.php?topic=11287.0
http://forums.dansdeals.com/index.php?topic=11287.0
Gotcha. So say I got all the startup points for the cards I currently have I just cancel them and get new ones or do I transfer the CL?
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 11:49:32 AM
The hard pulls affect your credit a little but in long run when you get more CL and you don't use so much of it your score will get better. That is just one aspect of several that have an effect on your score.
http://forums.dansdeals.com/index.php?topic=11287.0
http://forums.dansdeals.com/index.php?topic=11287.0
And what do I do about the points/miles that are in my current accounts, do I transfer those over?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 11:55:43 AM
Gotcha. So say I got all the startup points for the cards I currently have I just cancel them and get new ones or do I transfer the CL?
Always transfer CL before closing a card.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 11:56:57 AM
And what do I do about the points/miles that are in my current accounts, do I transfer those over?
If its in a ffn then it's safe to close cc. If not ( for example UR chase points) transfer them to another UR chase account (your own) then cancel card.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 11:57:37 AM
Always transfer CL before closing a card.
So when I call up I just tell them I want to cancel the card and transfer the CL to the new card? can I transfer ther CL online?
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 11:58:50 AM
If its in a ffn then it's safe to close cc. If not ( for example UR chase points) transfer them to another UR chase account (your own) then cancel card.
only points I currently have are BA and United.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 12:01:15 PM
So when I call up I just tell them I want to cancel the card and transfer the CL to the new card? can I transfer ther CL online?
Not that I know of. It takes a minute by phone.

Did you have a specific card you wanted to do now?
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:05:39 PM
Not that I know of. It takes a minute by phone.

Did you have a specific card you wanted to do now?
I wanted to do it on a few cards. SPG, Sapphire Preferred Visa, BA and United.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 12:09:00 PM
I wanted to do it on a few cards. SPG, Sapphire Preferred Visa, BA and United.
How much CL do you have with Chase?  Good credit?

If you had a BA already it will be hard to get it again.  Maybe a freedom?
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:13:20 PM
How much CL do you have with Chase?  Good credit?

If you had a BA already it will be hard to get it again.  Maybe a freedom?
Since i am new at this i never really called to higher my CL. right now I believe I have 5k.
I do have a mid 700 credit score. I do have a freedom card now. What about United?
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:14:45 PM
How much CL do you have with Chase?  Good credit?

If you had a BA already it will be hard to get it again.  Maybe a freedom?
I have 5k CL on the Sapphire, 5k on Freedom, 13k on United, 5k on BA and 5k on Hyatt.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 12:17:09 PM
Since i am new at this i never really called to higher my CL. right now I believe I have 5k.
I do have a mid 700 credit score. I do have a freedom card now. What about United?

5k is low but they may very well increase when giving you new cards.

You have the freedom card but you already used those points it came with? 

What about the united?  Want to get a new one? Transfer CL..close card...create new FFN.  When applying put in the new FFN in app and add one additional user.  Get card...spend $1k on it...wait for 30k to post...SM them to be matched to 55k and $50 statement.  Thank DDF and mmermss  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:19:12 PM
You have the freedom card but you already used those points it came with? 

Honestly I got the card a long time ago, i do believe i used the points it came with.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 12:19:21 PM
I have 5k CL on the Sapphire, 5k on Freedom, 13k on United, 5k on BA and 5k on Hyatt.

This is confusing  ???

Youve got a heck of alot more CL than 5k....you have 33k!

With that you have alot of leverage to open new cards and transfer CL/close existing cards to approve the new ones.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:22:16 PM
This is confusing  ???

Youve got a heck of alot more CL than 5k....you have 33k!

With that you have alot of leverage to open new cards and transfer CL/close existing cards to approve the new ones.
lol sorry! ok good to know. so when i call up do i cancel the current card 1st or do i 1st transfer the CL and then cancel and open the new card?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 12:26:25 PM
lol sorry! ok good to know. so when i call up do i cancel the current card 1st or do i 1st transfer the CL and then cancel and open the new card?
Lets say for example the United card.  If you apply for it when you already have one and call up they will deny you because you already have one.  If you start telling them youll cancel now to open the new united theyll ask you why?  Just keep the one you have.

What you can do is either transfer CL and close it first.  Then apply and call up to get the new one. 

With SP you can make it into a MC and apply for the Visa  one and call up recon and tell them youll transfer the CL to approve the Visa.

Many cards require different things to churn.  There are different methods to churn...gota find the one that works for you  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:27:56 PM
Lets say for example the United card.  If you apply for it when you already have one and call up they will deny you because you already have one.  If you start telling them youll cancel now to open the new united theyll ask you why?  Just keep the one you have.

What you can do is either transfer CL and close it first.  Then apply and call up to get the new one. 

With SP you can make it into a MC and apply for the Visa  one and call up recon and tell them youll transfer the CL to approve the Visa.

Many cards require different things to churn.  There are different methods to churn...gota find the one that works for you  :)
understood. I guess ill figure it out.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:28:16 PM
Lets say for example the United card.  If you apply for it when you already have one and call up they will deny you because you already have one.  If you start telling them youll cancel now to open the new united theyll ask you why?  Just keep the one you have.

What you can do is either transfer CL and close it first.  Then apply and call up to get the new one. 

With SP you can make it into a MC and apply for the Visa  one and call up recon and tell them youll transfer the CL to approve the Visa.

Many cards require different things to churn.  There are different methods to churn...gota find the one that works for you  :)
thanks for your help
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 12:29:14 PM
understood. I guess ill figure it out.

Ask more specific question ill be happy to answer it.   :)

Questions like how do you churn...there are alot of details that are involved. 
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:30:41 PM
Ask more specific question ill be happy to answer it.   :)

Questions like how do you churn...there are alot of details that are involved.
yea i figured i just wanted to sort of get an understanding.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:34:28 PM
Ask more specific question ill be happy to answer it.   :)

Questions like how do you churn...there are alot of details that are involved.
If i have a balance on the cards i want to close, will they let me close and transfer?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 12:36:03 PM
If i have a balance on the cards i want to close, will they let me close and transfer?
Yes.  But the balance you still owe will not be transferred and will be lost and you will still need to pay the card.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:36:45 PM
Yes.  But the balance you still owe will not be transferred and will be lost and you will still need to pay the card.
im assuming they will send me a bill for that balance it wont just get lost in the shuffle.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 13, 2013, 12:38:00 PM
im assuming they will send me a bill for that balance it wont just get lost in the shuffle.

Oh dont worry...they arent forgetting you owe them money.  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:38:45 PM
Oh dont worry...they arent forgetting you owe them money.  ;)
figured as much  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 12:39:37 PM
on the freedom if i churn it, will i be able to get the quarterly bonus on the new one i get?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 13, 2013, 02:11:36 PM
thanks for your help
ur good man!  Nice
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 13, 2013, 02:12:01 PM
-1But I see what your talking about in rots5 sm response.
Interesting, I didn't know they take payments for amex. I wonder what they charge. . .
Will try tomorrow and update.
Done: hashaa there funny. There all over me


Dear Rots,

Thank you so much for your appreciation.

I would like to inform you that American Express does not charges anything for payment via external payment processor.

However, we will not able to comment on the charges billed by the Bank of America. I would request you to contact Bank Of America/external payment processor by which you will initiate a payment.

In addition, I have checked your account details and see that you have been making payments via Pay By Computer/Pay By phone on your Card and you can continue to make payments via Pay By Computer/Pay By phone.

I hope this information is useful to you. Thank you for your Cardmembership since 2007.

Sincerely,                                                                                               
                                                                                               
Beenika Tickoo
Email Servicing Team                                                           
American Express Interactive Services
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 02:16:46 PM
ur good man!  Nice
What do you mean?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 13, 2013, 02:18:29 PM
What do you mean?
sorry. I meant to +1 mmerms. Hes been real helpful!  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 02:19:44 PM
sorry. I meant to +1 mmerms. Hes been real helpful!  :)
understood! yes he has been real helpful. 
Title: Re: Questions and Help for BEGINNERS!
Post by: Sammy12345 on February 13, 2013, 06:12:34 PM
I am thinking in doing a Amex 3bm this is the first one that i will be doing w amex can u tell me if my choices are correct:
MB plat
reg Plat
Delta Amex
Are there any promotions right now going on diff then the regular?
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 13, 2013, 07:59:49 PM
If I wanted to book a deal through Jet blue Vacations, should I sign up for the amex jet blue card to get the points or should i just stick to using one of my other cards to book?
Title: Re: Questions and Help for BEGINNERS!
Post by: Drago on February 14, 2013, 03:38:33 PM
I am thinking in doing a Amex 3bm this is the first one that i will be doing w amex can u tell me if my choices are correct:
MB plat
reg Plat
Delta Amex
Are there any promotions right now going on diff then the regular?
Why not do SPG instead of DL?
Also, if you plan on canceling the Plat cards within 60 days and don't want to transfer out the MR points by then, then you should have an active MR earning card to keep your points alive.
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on February 14, 2013, 04:01:55 PM
I am thinking in doing a Amex 3bm this is the first one that i will be doing w amex can u tell me if my choices are correct:
MB plat
reg Plat
Delta Amex
Are there any promotions right now going on diff then the regular?
do you know if you will get the points for both plats?
Title: Re: Questions and Help for BEGINNERS!
Post by: Sammy12345 on February 14, 2013, 05:50:29 PM
Why not do SPG instead of DL?
Also, if you plan on canceling the Plat cards within 60 days and don't want to transfer out the MR points by then, then you should have an active MR earning card to keep your points alive.
I am sorry for not mentioning I have 1 SPG card.....
Title: Re: Questions and Help for BEGINNERS!
Post by: moka on February 14, 2013, 06:58:08 PM
hi i'm new to dans deals.
i got my first cc almost 1 year ago in April 2012, a capital one journey with a $300 dollar limit. after a few months i got a limit increase to $500.
i have a credit karma score of 733 (if that means anything).
i wanted to start with the real cc and start earning points and benefits.
which card is the next step that i would get approved for?
thanks.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on February 14, 2013, 07:02:03 PM
hi i'm new to dans deals.
i got my first cc almost 1 year ago in April 2012, a capital one journey with a $300 dollar limit. after a few months i got a limit increase to $500.
i have a credit karma score of 733 (if that means anything).
i wanted to start with the real cc and start earning points and benefits.
which card is the next step that i would get approved for?
thanks.
I would get a freedom.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 14, 2013, 07:02:11 PM
hi i'm new to dans deals.
i got my first cc almost 1 year ago in April 2012, a capital one journey with a $300 dollar limit. after a few months i got a limit increase to $500.
i have a credit karma score of 733 (if that means anything).
i wanted to start with the real cc and start earning points and benefits.
which card is the next step that i would get approved for?
thanks.
first of all welcome to the forums thanks for not stating a new thread! :-) pls pm me if u have q's

i personally tell ppl to start with a discover 5% cash back as their first real card....

but if not....and go with chase try a 2bm

sapphire preferred
freedom

Title: Re: Questions and Help for BEGINNERS!
Post by: Sammy12345 on February 17, 2013, 09:52:06 AM
Does anyone know if the two American Airlines cc the Amex  and the MasterCard if you were to sign up for both are those two diff pulls or one hard pull since there from AA website?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on February 17, 2013, 10:42:06 AM
Does anyone know if the two American Airlines cc the Amex  and the MasterCard if you were to sign up for both are those two diff pulls or one hard pull since there from AA website?
It would be one pull, but I would look the citi AA (http://forums.dansdeals.com/index.php?topic=10923.0) thread before you sign up.
Title: Re: Questions and Help for BEGINNERS!
Post by: gingiboy5 on February 17, 2013, 01:13:07 PM
Just want to confirm before i apply: its not necessary to do 3bm for business cards, correct? i can just apply separately and i get no pull?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 17, 2013, 01:41:09 PM
Just want to confirm before i apply: its not necessary to do 3bm for business cards, correct? i can just apply separately and i get no pull?
What do you mean separately?  Not all on one day?  That would get you three pulls. If you wouldnt get a pull for each time you apply for a biz card (not in same day)...that would make a whole lota things better  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on February 17, 2013, 01:46:10 PM
Just want to confirm before i apply: its not necessary to do 3bm for business cards, correct? i can just apply separately and i get no pull?
Business cards pull your personal credit report just like any other cc application,  so yes, a 3bm would help.
Title: Re: Questions and Help for BEGINNERS!
Post by: gingiboy5 on February 17, 2013, 06:59:25 PM
Business cards pull your personal credit report just like any other cc application,  so yes, a 3bm would help.
So then what's the advantage of applying for biz card in addition to personal?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on February 17, 2013, 07:00:45 PM
So then what's the advantage of applying for biz card in addition to personal?
More points. Spending on biz cards don't hurt your score.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on February 17, 2013, 07:03:11 PM
So then what's the advantage of applying for biz card in addition to personal?
You're asking regarding 2bm?

With some banks applying for a personal + biz in 2bm will be 2 pulls.  With others it'll be just one pull like a regular 2bm.
Title: Re: Questions and Help for BEGINNERS!
Post by: Sammy12345 on February 18, 2013, 02:15:37 AM
It would be one pull, but I would look the citi AA (http://forums.dansdeals.com/index.php?topic=10923.0) thread before you sign up.
I looked at the thread it was saying that recently ppl have been saying that they were not able to get both cc. Also that you can only do this evey 1-2 yrs.....
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 18, 2013, 09:20:42 PM
How do people on this forum have the time to go to so many different places in the world? I am dying to go to these places, but 1. I don't have nearly enough time and 2. What do you do with the kids? (for those that have kids)
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 18, 2013, 09:25:24 PM
How do people on this forum have the time to go to so many different places in the world? I am dying to go to these places, but 1. I don't have nearly enough time and 2. What do you do with the kids? (for those that have kids)

Not everyone has the time.
Some take their kids.
Some leave their kids with the in laws.
Title: Re: Questions and Help for BEGINNERS!
Post by: Sammy12345 on February 19, 2013, 05:08:11 PM
You just GO.....
Dont think and GO......
Thats my attitude  ;D
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 19, 2013, 05:08:49 PM
You just GO.....
Dont think and GO......
Thats my attitude  ;D
wish it was that simple
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on February 19, 2013, 05:20:18 PM
wish it was that simple
+1 me too
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 20, 2013, 09:37:23 AM
When applying for multiple cards from different banks that pull from the same credit bureau does it help at all to apply all at the same time so the banks don't see the new pulls coming from the other banks? Does that work?



I'd like to apply for the Club Carlson card but US bank pulls from the same bureau that Chase pulls from and I usually try to avoid any pulls since I like to keep my Chase options open.
(Same reason I stopped applying for Barclays cards, they also pull from same bureau for me )

 
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on February 20, 2013, 12:24:28 PM
Club Carlson is supposed to be really tough to get for churners.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 20, 2013, 12:26:20 PM
Club Carlson is supposed to be really tough to get for churners.

Ah, good to know. 
That's a shame, it has a lot of value for Europe especially with the free night after bookiing 2 nights.

Hmm...


Does anyone here have any experience with this card?


Q- If I get the card for someone else can they book me a room and get the extra night free without them having to check in?
Title: Re: Questions and Help for BEGINNERS!
Post by: wierdal832 on February 20, 2013, 12:41:33 PM
Club Carlson is supposed to be really tough to get for churners.

is it even a good card to get?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 20, 2013, 12:44:02 PM
is it even a good card to get?

Depends for who.


I already have some Club Carlson points. This card gives 85,000 enough for 1 night and change. Add that to my total and with every 2 nights I book I get a third night free.

Good for redemptions  in Europe and other places. Not really the US.

And if it doesn't pull from same bureau as Chase or Amex for you then that's an extra benefit as well.
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on February 20, 2013, 01:04:50 PM
True or false?
people here were saying if you close the southwest card you can no longer redeem for CG.
TIA :)
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 20, 2013, 01:06:56 PM
True or false?
people here were saying if you close the southwest card you can no longer redeem for CG.
TIA :)

True.
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on February 20, 2013, 01:14:02 PM
That was quick  :)
And does the 60 days you have to cancel and get the AF back start from when you applied or from activation?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on February 20, 2013, 01:14:54 PM
That was quick  :)
And does the 60 days you have to cancel and get the AF back start from when you applied or from activation?
Neither, when you get approved.
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on February 20, 2013, 01:18:19 PM
Thanks guys!
really appreciate your help.
Title: Re: Questions and Help for BEGINNERS!
Post by: Steven on February 21, 2013, 09:51:58 PM
can someone pls find me the thread/advice about combining amex mr points accounts (with my wifes). I remember seeing it once but cant seem to find it! thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: Fan of Dan on February 21, 2013, 10:09:54 PM
can someone pls find me the thread/advice about combining amex mr points accounts (with my wifes). I remember seeing it once but cant seem to find it! thanks
You can make your wife an AU on your account, then when you close her card, or do it vice versa, then with a phone call you can transfer. Never tried it just what I have heard.
Title: Re: Questions and Help for BEGINNERS!
Post by: Steven on February 21, 2013, 10:14:53 PM
You can make your wife an AU on your account, then when you close her card, or do it vice versa, then with a phone call you can transfer. Never tried it just what I have heard.
thanks! the issue with this is that both me and my wife have the bus prg. Im pretty sure that I will be charged for adding an AU and not sure if that fee is refundable
Title: Re: Questions and Help for BEGINNERS!
Post by: daganster on February 21, 2013, 10:20:29 PM
thanks! the issue with this is that both me and my wife have the bus prg. Im pretty sure that I will be charged for adding an AU and not sure if that fee is refundable
You could always cancel the AU  within 60 days for a full refund, although they've given me a hard time once, it usually works.
Title: Re: Questions and Help for BEGINNERS!
Post by: Steven on February 21, 2013, 10:21:38 PM
You could always cancel the AU  within 60 days for a full refund, although they've given me a hard time once, it usually works.
you did it to transfer points from one account to another?
Title: Re: Questions and Help for BEGINNERS!
Post by: daganster on February 21, 2013, 10:22:28 PM
you did it to transfer points from one account to another?
No, just added an AU and canceled within 60 days for a full refund.
Title: Re: Questions and Help for BEGINNERS!
Post by: Steven on February 21, 2013, 10:26:54 PM
No, just added an AU and canceled within 60 days for a full refund.
ok. thanks, good to know.
can anyone answer my original q?
can someone pls find me the thread/advice about combining amex mr points accounts (with my wifes). I remember seeing it once but cant seem to find it!
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on February 22, 2013, 12:53:35 AM
Is there a thread about Chase having to follow the word of a phone rep? I was told I would receive 50,000 UR for upgrading my Sapphire card, but now they are saying I am not eligible.

 Any ideas?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on February 22, 2013, 01:50:17 AM
With Amex you'd have chances, but no high hopes with Chase; "I apologize, that rep was misinformed and there's nothing I can do" ~ supervisor.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 22, 2013, 02:36:29 AM
When applying for multiple cards from different banks that pull from the same credit bureau does it help at all to apply all at the same time so the banks don't see the new pulls coming from the other banks? Does that work?
No, they will see them.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 22, 2013, 07:00:21 AM
No, they will see them.
Thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 25, 2013, 10:11:53 AM
Booking on AA with Avios is there a cancellation fee?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on February 25, 2013, 10:26:47 AM
Booking on AA with Avios is there a cancellation fee?

Not within 24 hours. After that, it's either $40 cancellation fee OR the non-refunding of the taxes (usually this is the way to go).
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 25, 2013, 10:48:06 AM
Not within 24 hours. After that, it's either $40 cancellation fee OR the non-refunding of the taxes (usually this is the way to go).
IIRC for a domestic ticket are the taxes around $5?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on February 25, 2013, 11:03:04 AM
IIRC for a domestic ticket are the taxes around $5?

$2.50 per segment IIRC.
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on February 25, 2013, 10:40:38 PM
How do i transfer southwest points to my spouse?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on February 25, 2013, 10:57:05 PM
How do i transfer southwest points to my spouse?
AFAIK You don't. 

Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on February 25, 2013, 11:06:09 PM
I thought i read otherwise, thanks.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 26, 2013, 07:35:09 PM
Club Carlson is supposed to be really tough to get for churners.

Decided to go ahead and try applying anyways-got a 7-10 day message...  Just went back to review my credit report... I'm thinking now it was a dumb move on my part to even bother applying from my account and should have used a SSN that had less pulls.  I have 5 pulls from Chase since May 2011 from the bureau US Bank pulls from.    I didn't think that was too many but maybe US Bank will feel otherwise.



Oh well. We shall see what happens.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 27, 2013, 02:03:51 AM
Decided to go ahead and try applying anyways-got a 7-10 day message...  Just went back to review my credit report... I'm thinking now it was a dumb move on my part to even bother applying from my account and should have used a SSN that had less pulls.  I have 5 pulls from Chase since May 2011 from the bureau US Bank pulls from.    I didn't think that was too many but maybe US Bank will feel otherwise.



Oh well. We shall see what happens.
i hope it works out. 5 pulls since last may is not that crazy... at least i dont think so
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 27, 2013, 09:28:25 AM
i hope it works out. 5 pulls since last may is not that crazy... at least i dont think so

Yeah, I didn't think so either, though I just double checked ( not sure why I didn't realize this yesterday) but they ended up pulling from a different bureau this time- experian - which is where Amex pulls from. I have 9 inquiries.

Btw- Does Chase pull 2 bureaus for everyone... or just me?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 27, 2013, 10:55:24 AM
Yeah, I didn't think so either, though I just double checked ( not sure why I didn't realize this yesterday) but they ended up pulling from a different bureau this time- experian - which is where Amex pulls from. I have 9 inquiries.

Btw- Does Chase pull 2 bureaus for everyone... or just me?
how do you check where chase pulls from (ill check)
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 27, 2013, 11:08:36 AM
how do you check where chase pulls from (ill check)

Credit Report.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 27, 2013, 11:36:46 AM
Q- Why are some cards only reported to certain bureaus and others reported to all the bureaus? Even ones issues all from the same bank. (Amex for ex..)

And how does what is reported affect your credit report/ applications?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on February 27, 2013, 12:41:22 PM
Why do you assume there are cards which are not reported to all CRA's?
They mix around with the account numbers so it may look for Citi I'm or similar services as different accounts.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 27, 2013, 12:44:58 PM
Why do you assume there are cards which are not reported to all CRA's?
They mix around with the account numbers so it may look for Citi I'm or similar services as different accounts.

It seemed that way to me when looking at my credit report. Some cards showed reported to all bureaus, others only 2 and some just 1.
Am I reading it wrong?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on February 27, 2013, 01:33:31 PM
Where do you read your report?
By a company that provides reports from all 3 CRA's or the original report by the CRA?
Title: Re: Questions and Help for BEGINNERS!
Post by: Chayaz on February 27, 2013, 02:21:35 PM
Am also new to this miles business. Recently applied for chase BA, freedom w checking (unfortunately no longer exclusive) in Jan/13 and my first ever 2BM on dh’s name for SPG consumer and amex biz gold. Until then Citi AA gold and amex delta got all our personal spending, chase slate for monthly premiums and amex platinum for biz expenses. Dh also has an active unused citi plat and non-activated ink bold (w 50k offer), discover cash, amex blue cash and some more…and paying membership on all of them for years…he also received a pre-approved BoAm 5x cc offer recently…question is which card do we use for what expenses now that I’m into it, which cards to still sign up for on either name (good credit since 2007 for me and since 2000 for dh) and which to cancel due to fees?
Also when churning cards that have points on them, where do u transfer them to before opening new one and same for leveraging credit lines before new app?
Thanks in advance
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 27, 2013, 02:33:25 PM
Where do you read your report?
By a company that provides reports from all 3 CRA's or the original report by the CRA?

This is from checking Citi Identity Monitor.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 27, 2013, 04:20:23 PM
Q- Why are some cards only reported to certain bureaus and others reported to all the bureaus? Even ones issues all from the same bank. (Amex for ex..)
Not sure why but it does happen.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on February 27, 2013, 05:06:31 PM
This is from checking Citi Identity Monitor.
So if you see (for ex.) EX has 3 and EQ has 3, but they're not in the same line, it doesn't mean you have 6 accounts, its just that the system didn't match the 3 of EX to the 3 of EQ due to account number mix up.
Same goes for if 2 EX accounts are on the same line as 2  EQ accounts, but 1 EX and 1 EQ are separate, it doesn't mean you have 4 accounts, its just that the system only matched 2 accounts and not the third, resulting in the third to be shown in separate lines per CRA.
I hope I'm clear enough.
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 27, 2013, 06:13:56 PM
If you find an award ticket on AA but it is not showing on BA does it help to call BA?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on February 27, 2013, 06:18:25 PM
If you find an award ticket on AA but it is not showing on BA does it help to call BA?
Yes
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on February 27, 2013, 06:58:02 PM
If you find an award ticket on AA but it is not showing on BA does it help to call BA?

What flight?
Title: Re: Questions and Help for BEGINNERS!
Post by: HelpMe on February 27, 2013, 07:06:06 PM
What flight?
It keeps changing.
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on February 27, 2013, 07:47:51 PM
It keeps changing.
http://forums.dansdeals.com/index.php?topic=14911
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 28, 2013, 08:56:46 AM
Has anyone (after not being automatically approved) ever called up the application status number and heard on the automatic machine that they were approved?

Even when the cards do get approved it always just tells me the decision hasn't been made yet.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on February 28, 2013, 09:07:10 AM
Are you referring to Chase? It could take a few days for the phone system to be updated.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 28, 2013, 09:23:08 AM
Are you referring to Chase? It could take a few days for the phone system to be updated.

Not specifically Chase but yes, that's who I am mostly calling.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on February 28, 2013, 05:31:21 PM
Decided to go ahead and try applying anyways-got a 7-10 day message...  Just went back to review my credit report... I'm thinking now it was a dumb move on my part to even bother applying from my account and should have used a SSN that had less pulls.  I have 5 pulls from Chase since May 2011 from the bureau US Bank pulls from.    I didn't think that was too many but maybe US Bank will feel otherwise.



Oh well. We shall see what happens.

Approved. The last night free will IY"H come in handy this summer.

Does anyone know how US Bank is when it comes to using Amazon Payments or buying Vanilla reloads etc?

Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on February 28, 2013, 06:32:29 PM
Approved. The last night free will IY"H come in handy this summer.

Does anyone know how US Bank is when it comes to using Amazon Payments or buying Vanilla reloads etc?
nice
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 02, 2013, 09:43:35 PM
Amex approved me for the delta 45k with a 2k limit.

My question is regarding spending limits. Does it mean that I shouldn't spend more a month even if I pay in the middle of the month for say, the first 1k?

Of course, I'mrreally asking if I can safely charge more than 1k andpay and then more . Have to hit 5k in 6 months.
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on March 03, 2013, 03:27:34 AM
i have never closed a chase card yet and my year is coming to a close.
i have the SP and im wondering:

1. do i have to move out the points to an airline or somewhere else if i have the freedom card linked to the same account?

2. when does the 7% bonus kick in?

3. obviously ill try for a retention bonus, but should i downgrade to regular sapphire for more leverage when i apply for new card?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 03, 2013, 03:34:09 AM
i have never closed a chase card yet and my year is coming to a close.
i have the SP and im wondering:

1. do i have to move out the points to an airline or somewhere else if i have the freedom card linked to the same account?

2. when does the 7% bonus kick in?

3. obviously ill try for a retention bonus, but should i downgrade to regular sapphire for more leverage when i apply for new card?

1. Just transfer them to freedom. You can leave them as UR there

2. Everyone is diff but mine kicked in the 12th month (i signed up last feb so this feb i got my 7%) but sm them.

3. Its a bit of a machlokes. Some say downgrade and sign up for a new one, this way they won't hack you why u need 2 sp's. but some say just use it as leverage.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 03, 2013, 03:36:46 AM
2. Usually on the February statement.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 03, 2013, 04:28:12 AM
2. Usually on the February statement.
oh really?  Hahaa. Lol
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 03, 2013, 08:01:31 AM
Amex approved me for the delta 45k with a 2k limit.

My question is regarding spending limits. Does it mean that I shouldn't spend more a month even if I pay in the middle of the month for say, the first 1k?

Of course, I'mrreally asking if I can safely charge more than 1k andpay and then more . Have to hit 5k in 6 months.

Bump
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 03, 2013, 08:57:53 AM
Bump
You can make payments in the middle of the month and in order to spend more than your CL.

Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 03, 2013, 09:38:10 AM
You can make payments in the middle of the month and in order to spend more than your CL.

Thanks.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 03, 2013, 12:11:14 PM
Is it better to use a Target CC when shopping in Target or a different card?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 03, 2013, 12:13:41 PM
Is it better to use a Target CC when shopping in Target or a different card?
I use it for larger purchases to get 5% back sometimes, otherwise I stick to my other cards.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 03, 2013, 12:15:29 PM
I use it for larger purchases to get 5% back sometimes, otherwise I stick to my other cards.
My wife signed up for the Target CC so i dont know what the benefits are. When do you get 5% back? What card would be best in Target? Usually dont spend much there maybe $100-$200 a month.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 03, 2013, 12:17:06 PM
My wife signed up for the Target CC so i dont know what the benefits are. When do you get 5% back? What card would be best in Target? Usually dont spend much there maybe $100-$200 a month.

Not sure which card you have (or what different cards they offer) but I believe all their CC's offer 5% back everyday.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 03, 2013, 12:17:46 PM
Is it better to use a Target CC when shopping in Target or a different card?
It depends, spending thresholds etc. But in general yes. 

Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 03, 2013, 12:18:09 PM
Not sure which card you have (or what different cards they offer) but I believe all their CC's offer 5% back everyday.
cool, so why wouldnt I use it everytime I shop there?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 03, 2013, 12:18:23 PM
It depends, spending thresholds etc. But in general yes.
also if something u might need insurance on
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 03, 2013, 12:19:28 PM
also if something u might need insurance on
Then I would use an Amex, no?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 03, 2013, 12:21:05 PM
Then I would use an Amex, no?
Yes

Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 03, 2013, 12:22:58 PM
cool, so why wouldnt I use it everytime I shop there?
If you're making a very small purchase,  you may be better off with using freedom card. But in general,  your right.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 03, 2013, 12:27:28 PM
If you're making a very small purchase,  you may be better off with using freedom card. But in general,  your right.
ok great. Thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 03, 2013, 01:06:36 PM
Which card is best to use if my wife is buying a sheitel?
about $600. TIA
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 03, 2013, 01:08:02 PM
Which card is best to use if my wife is buying a sheitel?
about $600. TIA

I think wigs aren't covered by any of the banks, are they? I'd probably stick with an American Express though.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 03, 2013, 01:09:06 PM
Which card is best to use if my wife is buying a sheitel?
about $600. TIA
SPG

Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 03, 2013, 01:09:16 PM
I think wigs aren't covered by any of the banks, are they? I'd probably stick with an American Express though.
dont think so.
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on March 03, 2013, 07:10:56 PM
1. Just transfer them to freedom. You can leave them as UR there

2. Everyone is diff but mine kicked in the 12th month (i signed up last feb so this feb i got my 7%) but sm them.

3. Its a bit of a machlokes. Some say downgrade and sign up for a new one, this way they won't hack you why u need 2 sp's. but some say just use it as leverage.
thanx
 i just checked my statement and i see i got in feb the 7% from the last year - a little over 5k ! awesome
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 03, 2013, 10:59:14 PM
Has anyone here ever had issues with merging two PRIORITY CLUB accounts that each got the sign-up bonus?
Title: Re: Questions and Help for BEGINNERS!
Post by: tuvz on March 04, 2013, 07:56:57 AM
Are chase like Amex, in that they view your membership length based on your first card/AU with them?
would i be loosing out on anything by closing my first chase card (except for the CL)?
thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: noturbizniss on March 04, 2013, 01:27:18 PM
Are chase like Amex, in that they view your membership length based on your first card/AU with them?
would i be loosing out on anything by closing my first chase card (except for the CL)?
thanks
They are not like amex. If you close the oldest card then you lose that age.
Title: Re: Questions and Help for BEGINNERS!
Post by: ChaimBer on March 04, 2013, 01:43:41 PM
They are not like amex. If you close the oldest card then you lose that age.
I spoke on the phone to amex and they said it is fine for my credit to close a card.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 04, 2013, 01:44:24 PM
I spoke on the phone to amex and they said it is fine for my credit to close a card.

It is ok to close a credit card.

You don't want to close your oldest card you have open.

Title: Re: Questions and Help for BEGINNERS!
Post by: ChaimBer on March 04, 2013, 01:47:20 PM
It is ok to close a credit card.

You don't want to close your oldest card you have open.
good point, i did not think of that
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 04, 2013, 01:48:02 PM
How many points is the hit for closing a card?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on March 04, 2013, 01:51:30 PM
How many points is the hit for closing a card?
If you don't lose the credit line you won't have any hit for 10 years.
Title: Re: Questions and Help for BEGINNERS!
Post by: noturbizniss on March 04, 2013, 01:51:46 PM
How many points is the hit for closing a card?
Depends on how it will impact your average age.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 04, 2013, 03:03:05 PM
Depends on how it will impact your average age.
Closed cards are part of the average as long as they are on the report (10 years).
Title: Re: Questions and Help for BEGINNERS!
Post by: Zalmy2 on March 04, 2013, 03:11:52 PM
I got declined for all 3 business from chase called already 5x.. they say the business is too new..
Should I try 3 personal now?
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 04, 2013, 03:15:00 PM
If I am planning to apply in say, 4 months for Chase biz cards, is there anything that I can do in advance to help my cause?
No, I don't own a business.
Title: Re: Questions and Help for BEGINNERS!
Post by: sruly101 on March 04, 2013, 03:21:05 PM
I got declined for all 3 business from chase called already 5x.. they say the business is too new..
Should I try 3 personal now?
How old is ur business? what did u write?
Title: Re: Questions and Help for BEGINNERS!
Post by: Zalmy2 on March 04, 2013, 03:24:21 PM
How old is ur business? what did u write?
I said 2 years....
Title: Re: Questions and Help for BEGINNERS!
Post by: sruly101 on March 04, 2013, 03:26:33 PM
I said 2 years....
Wow!! then what is a normal (old) business?
Title: Re: Questions and Help for BEGINNERS!
Post by: Lou Bob on March 04, 2013, 03:33:54 PM
I said 2 years....
I wrote 1, told recon 2.5
got approved 2 cards no problem
Title: Re: Questions and Help for BEGINNERS!
Post by: Name Changed on March 04, 2013, 04:06:15 PM
I wrote 2 years and got approved

Title: Re: Questions and Help for BEGINNERS!
Post by: gingiboy5 on March 04, 2013, 04:11:36 PM
I wrote 2 years and got approved

I wrote 1, told recon 2.5
got approved 2 cards no problem
what did u write for ur revenue and annual income?
Title: Re: Questions and Help for BEGINNERS!
Post by: Zalmy2 on March 04, 2013, 04:12:17 PM
what did u write for ur revenue and annual income?
both 70k
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 04, 2013, 08:30:10 PM
If I have avios and united miles in my name, can I book a flight in someone else's name (sibling or parent)? TIA
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 04, 2013, 08:38:20 PM
If I have avios and united miles in my name, can I book a flight in someone else's name (sibling or parent)? TIA

Sure.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 04, 2013, 08:41:57 PM
If I have avios and united miles in my name, can I book a flight in someone else's name (sibling or parent)? TIA
It is against the ff programs' T&c's to sell/barter/trade miles.

If they suspect that you weren't just simply "booking" someone a ticket with your miles, then you may have issues. . .

If the last name matches your name then there shouldn't be a concern that they'll suspect anything out of line.
Title: Re: Questions and Help for BEGINNERS!
Post by: Zalmy2 on March 04, 2013, 09:45:43 PM
I got declined for all 3 business from chase called already 5x.. they say the business is too new..
Should I try 3 personal now?
after 7 times calling and transferring 4.5 k from sp, freedom (leaving the freedom at $500 and sp at 4k)I got Approved for card no 1! Should I try going for 2? Wait few weeks then try?
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 04, 2013, 09:51:08 PM
I just got a refund on Amazon to a card that was closed already. What happens?  It's an amex and I have other Amex cards. Was just refunded, so nothing on card yet.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on March 04, 2013, 09:51:15 PM
after 7 times calling and transferring 4.5 k from sp, freedom (leaving the freedom at $500 and sp at 4k)I got Approved for card no 1! Should I try going for 2? Wait few weeks then try?
No. 
Try now.
Title: Re: Questions and Help for BEGINNERS!
Post by: Zalmy2 on March 04, 2013, 09:58:31 PM
No. 
Try now.
any point of trying when they only approved 1 by transferring and they don't really have much to transfer now?
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 04, 2013, 10:25:06 PM
My wife is very worried that if I open multiple CC's in her name that we will have issues when looking to get a mortgage. I keep telling her it is nothing to worry about if it is dont correctly. Is she right to concern about something like this?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on March 04, 2013, 10:25:36 PM
any point of trying when they only approved 1 by transferring and they don't really have much to transfer now?
Yes.  How much CL on each card?
Title: Re: Questions and Help for BEGINNERS!
Post by: daganster on March 05, 2013, 12:00:06 AM
My wife is very worried that if I open multiple CC's in her name that we will have issues when looking to get a mortgage. I keep telling her it is nothing to worry about if it is dont correctly. Is she right to concern about something like this?
IME you'll only have an issue if you carry a balance i.e. having debt, other than that by solely opening cards you shouldn't have an issue. Nonetheless, if you’re planning on applying for a mortgage in the near future maybe you should hold off because your score can go down a bit by applying.
Title: Re: Questions and Help for BEGINNERS!
Post by: Zalmy2 on March 05, 2013, 12:40:10 AM
Yes.  How much CL on each card?


after 7 times calling and transferring 4.5 k from sp, freedom (leaving the freedom at $500 and sp at 4k)I got Approved for card no 1! Should I try going for 2? Wait few weeks then try?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 05, 2013, 12:42:38 AM
My wife is very worried that if I open multiple CC's in her name that we will have issues when looking to get a mortgage. I keep telling her it is nothing to worry about if it is dont correctly. Is she right to concern about something like this?
Besides for what daganster said, you'll also have an issue if you have to many recent inquiries.
Inquiries fall off after 2 years, so if you don't plan on applying for mortgage within 2 years then this isn't something to worry about. 
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 05, 2013, 08:23:32 AM
Besides for what daganster said, you'll also have an issue if you have to many recent inquiries.
Inquiries fall off after 2 years, so if you don't plan on applying for mortgage within 2 years then this isn't something to worry about.
Thanks.  Probably gonna apply for her. she only has 1  card in her name now.
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 05, 2013, 09:04:45 AM
I just got a refund on Amazon to a card that was closed already. What happens?  It's an amex and I have other Amex cards. Was just refunded, so nothing on card yet.

bump
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 05, 2013, 09:26:22 AM
bump

They will most probably send you out a check or credit it to one of your other accounts.
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 05, 2013, 09:58:04 AM
They will most probably send you out a check or credit it to one of your other accounts.

Thanks. Who, Amex?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 05, 2013, 10:02:54 AM
Thanks. Who, Amex?
Yes.
Title: Re: Questions and Help for BEGINNERS!
Post by: Zalmy2 on March 07, 2013, 08:51:58 PM
after 7 times calling and transferring 4.5 k from sp, freedom (leaving the freedom at $500 and sp at 4k)I got Approved for card no 1! Should I try going for 2? Wait few weeks then try?
I keep calling and they keep saying we see few guys reviewd your account and I can only say what they said.. the last guy asked if anything changed since last time I called... should I give up? Anything to tell them to make them change their mind?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on March 08, 2013, 01:15:04 PM
I keep calling and they keep saying we see few guys reviewd your account and I can only say what they said.. the last guy asked if anything changed since last time I called... should I give up? Anything to tell them to make them change their mind?
Try calling a few times about something unrelated so the notes from these calls get pushed back where they won't notice them.
Title: Re: Questions and Help for BEGINNERS!
Post by: Zalmy2 on March 08, 2013, 04:01:56 PM
Try calling a few times about something unrelated so the notes from these calls get pushed back where they won't notice them.
what else can you call chase business consideration besides considering an app? Or if I call the regular number in back of card for anything it'll also push back their notes?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 10, 2013, 11:24:40 AM
Can a targeted 100k Amex offer be used by a different family member? Can it be used more than once?
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 10, 2013, 11:56:07 AM
Can a targeted 100k Amex offer be used by a different family member? Can it be used more than once?

No AFAIK.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 10, 2013, 12:29:15 PM
No AFAIK.
For both questions?
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 10, 2013, 01:07:21 PM
For both questions?

Yes
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 12, 2013, 05:03:18 PM
How many posts before you can add an avatar?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 12, 2013, 05:09:31 PM
How many posts before you can add an avatar?
250!  In going on record
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on March 12, 2013, 05:19:14 PM
How many posts before you can add an avatar?
250.
At the rate your going I'd give it another 5-10 minutes till your able to add an avatar.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 12, 2013, 05:25:59 PM
250.
At the rate your going I'd give it another 5-10 minutes till your able to add an avatar.
+1  ;D . I wonder what he has in mind for his Avatar?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 12, 2013, 05:30:00 PM
250.
At the rate your going I'd give it another 5-10 minutes till your able to add an avatar.
My goal is to catch AJK by the end of the year.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 12, 2013, 05:32:41 PM
In Poland?!?
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 12, 2013, 05:35:56 PM
In Poland?!?
Why is that different then Israel?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 12, 2013, 05:37:04 PM
Why is that different then Israel?
isrel is made for Jews. Poland was a cheap stopover

I just think its cool!
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 12, 2013, 05:37:56 PM
isrel is made for Jews. Poland was a cheap stopover
aha
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 12, 2013, 05:38:24 PM
isrel is made for Jews. Poland was a cheap stopover

I just think its cool!
What is cool?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 12, 2013, 05:39:08 PM
What is cool?
its not the typical NY IL CLE LA LAKEWOOD

That's all
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on March 12, 2013, 05:39:37 PM
My goal is to catch AJK by the end of the year.  :)
Umm...even if you do reach 10k it's not all about numbers...you got to have helpful/useful posts.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 12, 2013, 05:40:12 PM
its not the typical NY IL CLE LA LAKEWOOD

That's all
I see you really like the fact that he is in Poland lol.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 12, 2013, 05:40:27 PM
Umm...even if you do reach 10k it's not all about numbers...you got to have helpful/useful posts.  :)
+100
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 12, 2013, 05:41:10 PM
My goal is to catch AJK by the end of the year.  :)
Why dont you just try to catch Dan while you are at it!  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 12, 2013, 05:43:09 PM
In Poland?!?
No, in posts!  :P
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on March 12, 2013, 09:37:13 PM
I'll be happy if someone can beat my record :P
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on March 12, 2013, 09:37:35 PM
Just start spewing garbage like me and you'll catch me in no time  ;D
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 12, 2013, 10:43:03 PM
I'll be happy if someone can beat my record :P
Yea you have a nice record! at the rate your going you will be by AJK in a few months
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 12, 2013, 10:51:42 PM
Just start spewing garbage like me and you'll catch me in no time  ;D
I doubt all 10k+ were garbage  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on March 12, 2013, 10:53:30 PM
can SPG be transfered to an airline that is not a matching name/address?
i understand that SPG to SPG cant.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 12, 2013, 10:59:19 PM
can SPG be transfered to an airline that is not a matching name/address?
i understand that SPG to SPG cant.
Transfers have nothing to do with address, only name.

Here (http://forums.dansdeals.com/index.php?topic=2022.0) is the thread
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on March 12, 2013, 11:23:01 PM
Transfers have nothing to do with address, only name.

Here (http://forums.dansdeals.com/index.php?topic=2022.0) is the thread
thanx
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 13, 2013, 01:13:53 AM
Just start spewing garbage like me and you'll catch me in no time  ;D
I was thinking for everyone of your posts I would give it a +1. This way for every real post by me will close the gap.  :P
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on March 13, 2013, 03:04:40 PM
can SPG be transfered to an airline that is not a matching name/address?
i understand that SPG to SPG cant.
Mismatching names spg to aa is big no no, will flag your account.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 13, 2013, 03:07:17 PM
Mismatching names spg to aa is big no no, will flag your account.
YMMV

Many reports that it has been done.

Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 18, 2013, 06:35:12 PM
Did you need 200 or 250 posts for an avatar?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on March 18, 2013, 06:46:27 PM
Did you need 200 or 250 posts for an avatar?
This is a thread for beginners.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 18, 2013, 06:48:15 PM
This is a thread for beginners.
...but it adds to my count.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on March 18, 2013, 07:13:22 PM
...but it adds to my count.  :)
.

Quiet down. You will get on Dan/mods nerves.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 18, 2013, 07:38:04 PM
.

Quiet down. You will get on Dan/mods nerves.
You have experience?? ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 18, 2013, 07:49:49 PM
.

Quiet down. You will get on Dan/mods nerves.
You would know.  :P
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on March 18, 2013, 09:18:04 PM
One of the first PMs I ever got was from Dan during my first couple days, after only making one such comment.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 19, 2013, 12:56:58 AM
Is there a way to register an amex gc online?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 19, 2013, 12:59:05 AM
Is there a way to register an amex gc online?
Unless it has changed, no.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 19, 2013, 12:59:37 AM
Unless it has changed, no.
Thanx  :(

Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 19, 2013, 01:03:25 AM
You can register many at the same time.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 19, 2013, 01:05:47 AM
Will it work with AP while unregistered?
Title: Re: Questions and Help for BEGINNERS!
Post by: robi on March 19, 2013, 01:08:23 AM
Will it work with AP while unregistered?
yes
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 19, 2013, 01:09:38 AM
yes
Thanx. Just tried it and transaction is pending, but I dont that has anything to with the fact that gc is unregistered. . .
Title: Re: Questions and Help for BEGINNERS!
Post by: robi on March 19, 2013, 01:10:26 AM
Thanx. Just tried it and transaction is pending, but I dont that has anything to with the fact that gc is unregistered. . .
i never registered my gc's, always works with AP
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 19, 2013, 01:10:47 AM
Does it put a temp charge or do you have to use the exp trick?
Title: Re: Questions and Help for BEGINNERS!
Post by: robi on March 19, 2013, 01:11:40 AM
Does it put a temp charge or do you have to use the exp trick?
latter
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 19, 2013, 01:12:04 AM
Does it put a temp charge or do you have to use the exp trick?
I realized right after I added it that I forgot to do the temp trick, and  amex put a $1 hold  :(
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 19, 2013, 01:13:06 AM
I realized right after I added it that I forgot to do the temp trick, and  amex put a $1 hold  :(
Oops.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on March 19, 2013, 01:30:46 AM
Are luftanza points worth anything?
Title: Re: Questions and Help for BEGINNERS!
Post by: newdanfan on March 19, 2013, 02:31:29 AM
I'm sure this was discussed many times but after searching for a while I haven't been able to find anything that really answers my question. I opened a few cards and got the bonuses. I'd like to churn them. Should I close these cards so that I can avoid annual fee and apply again? Will that hurt my credit score? They are both Chase cards. Should I rather downgrade them to a free card instead of closing? Can I then still churn for the same original card?

Some general advice on this would be really appreciated or if someone can be so kind as to point me in the correct direction or thread.

Thank you all so much!
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 19, 2013, 09:26:59 AM
I'm sure this was discussed many times but after searching for a while I haven't been able to find anything that really answers my question. I opened a few cards and got the bonuses. I'd like to churn them. Should I close these cards so that I can avoid annual fee and apply again? Will that hurt my credit score? They are both Chase cards. Should I rather downgrade them to a free card instead of closing? Can I then still churn for the same original card?

Some general advice on this would be really appreciated or if someone can be so kind as to point me in the correct direction or thread.

Thank you all so much!
first of all thanks for searching! 

What cards are we discussing....
Title: Re: Questions and Help for BEGINNERS!
Post by: newdanfan on March 19, 2013, 11:01:01 PM
first of all thanks for searching! 

What cards are we discussing....

Chase sapphire and ink bold. Will closing them hurt my credit?
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on March 19, 2013, 11:39:43 PM
Chase sapphire and ink bold. Will closing them hurt my credit?
change the sapphire to a freedom, and the ink bold to a free ink ( I think it's called ink classic).
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 19, 2013, 11:42:33 PM
Chase sapphire and ink bold. Will closing them hurt my credit?
Closing SP will hurt your credit.

IB is a charge card so will not hurt your credit. 
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on March 19, 2013, 11:44:38 PM
Chase sapphire and ink bold. Will closing them hurt my credit?

Potentially.

No.
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on March 20, 2013, 12:03:04 PM
If i pay the balance on my cc early does it count towards spending thresholds and rewards?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 20, 2013, 12:03:43 PM
If i pay the balance on my cc early does it count towards spending thresholds and rewards?
Yes
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 20, 2013, 12:06:03 PM
If i pay the balance on my cc early does it count towards spending thresholds and rewards?
I don't get the question.
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on March 20, 2013, 12:08:05 PM
If you pay the balance on your card earlier than necessary to avoid utilizing to much of your credit
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 20, 2013, 12:08:38 PM
I don't get the question.
Just a guess. Balance is 1k and due on the 20th. Pays off the 1k on the 10th and wants to know if that 1k will count towards spending.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 20, 2013, 12:09:13 PM
I don't get the question.
His question is - if he pays the balance before the statement close, will the cc company recognize that he spent $x amount.



Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on March 20, 2013, 12:09:58 PM
yup,
or have a 10k limit and use 3k right away
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on March 20, 2013, 12:10:21 PM
His question is - if he pays the balance before the statement close, will the cc company recognize that he spent $x amount.
Thanx  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 20, 2013, 12:10:37 PM
His question is - if he pays the balance before the statement close, will the cc company recognize that he spent $x amount.
Ohhhh, I thought he wanted to know if the payment counts towards spending :o
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on March 20, 2013, 12:12:05 PM
Ohhhh, I thought he wanted to know if the payment counts towards spending :o
Now i don't get you...
It does count towards spending, so says saver
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 20, 2013, 12:13:57 PM
Now i don't get you...
It does count towards spending, so says saver
Payment does not count
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 20, 2013, 12:15:29 PM
Now i don't get you...
It does count towards spending, so says saver
oy.

The spending counts, the payment does not.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 20, 2013, 12:17:04 PM
Now i don't get you...
It does count towards spending, so says saver
If you spend 1k and then you make a payment of 1k before or after the statement it only counts as 1k spend.
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on March 20, 2013, 12:18:42 PM
Payment of the card? of course not!
Needed to spend 3k for the bonus, did that and then payed half to avoid utilizing to much credit on the card. do i have 3k or 1 1/2 towards the bonus?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 20, 2013, 12:21:36 PM
Who's on first?  ???
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on March 20, 2013, 12:23:17 PM
Is the count drinking in the morning? :P
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on March 20, 2013, 12:29:52 PM
Thanks meir  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 20, 2013, 12:31:30 PM
Is the count drinking in the morning? :P
I was going to ask you that.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on March 20, 2013, 12:32:34 PM
nuttin but starbucks
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 20, 2013, 12:35:21 PM
Payment of the card? of course not!
Needed to spend 3k for the bonus, did that and then payed half to avoid utilizing to much credit on the card. do i have 3k or 1 1/2 towards the bonus?
Enjoy the points ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: smee123 on March 20, 2013, 12:39:39 PM
will do  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 20, 2013, 06:13:05 PM
What is the best Hebrew to English program. Money is no object!  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on March 20, 2013, 06:17:08 PM
What is the best Hebrew to English program. Money is no object!  :)
Hebrew? Not Yiddish?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 20, 2013, 06:23:21 PM
What is the best Hebrew to English program. Money is no object!  :)

Make friends with an Israeli.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 20, 2013, 06:26:41 PM
Hebrew? Not Yiddish?
Let's start with Hebrew first.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 20, 2013, 06:27:43 PM
Make friends with an Israeli.
Any time I have ask for help via PM I always received it. I just hate to keep asking.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 20, 2013, 06:29:27 PM
What is the best Hebrew to English program. Money is no object!  :)
i too need desperate help with Yiddish.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on March 20, 2013, 06:33:31 PM
Any time I have ask for help via PM I always received it. I just hate to keep asking.
Don't worry...it's not a problem  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 20, 2013, 06:45:38 PM
Don't worry...it's not a problem  ;)
I don't mention names but TY!!!
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on March 20, 2013, 09:02:02 PM
i too need desperate help with Yiddish.
Do what HelpMe does:
Any time I have ask for help via PM I always received it.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 20, 2013, 10:54:52 PM
Do what HelpMe does:
i am Embarrassed, i should know it
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 20, 2013, 10:57:24 PM
i am Embarrassed, i should know it
Try rosetta stone. I'm thinking of doing it.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 20, 2013, 11:18:18 PM
Try rosetta stone. I'm thinking of doing it.
do they have Yiddish
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 20, 2013, 11:39:34 PM
do they have Yiddish
Thought they did, but I just checked and doesn't look like it.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on March 21, 2013, 12:12:04 AM
Did I miss a major development!?@$&*:!?
nope. Help me either googled the Yiddish word or pm'd someone  :P
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on March 21, 2013, 09:55:21 AM
i am Embarrassed, i should know it
You can PM me, I promise not to make fun... :-P
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on March 21, 2013, 10:23:03 AM
What is the best Hebrew to English program. Money is no object!  :)
PM me for 10 bucks a pop  ;D
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 21, 2013, 11:56:19 AM
PM me for 10 bucks a pop  ;D
...but I can get any program out there for free. That is why money is no object.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on March 21, 2013, 03:57:43 PM
...but I can get any program out there for free. That is why money is no object.  :)
You mean you can get pirated answers from Baruch? :P
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 22, 2013, 02:47:39 AM
You mean you can get pirated answers from Baruch? :P
I look at it as free unlimited trials.  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on March 23, 2013, 11:40:41 PM
If an AU spends money does it count towards spending thresholds?
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 23, 2013, 11:45:25 PM
If an AU spends money does it count towards spending thresholds?

Of course!

Are you joking? It's no longer Adar...
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on March 23, 2013, 11:50:41 PM
Of course!

Are you joking? It's no longer Adar...

Yeh I'm serious. Never did any AU's until now anyways.
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on March 24, 2013, 12:04:08 AM
Yeh I'm serious. Never did any AU's until now anyways.

You mean an additional user. Right?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 24, 2013, 12:11:51 AM
I was going to ask you that.  :)
AU = Authorized user
Title: Re: Questions and Help for BEGINNERS!
Post by: Baruch on March 24, 2013, 12:32:05 AM
If an AU spends money does it count towards spending thresholds?
Yes.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 24, 2013, 01:36:14 AM
Can't remember from last year. Does DDF go dark during Passover?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on March 24, 2013, 01:38:27 AM
Indeed.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 24, 2013, 01:40:56 AM
All 8 days?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on March 24, 2013, 01:41:33 AM
Can't remember from last year. Does DDF go dark during Passover?
Last year? You just became a member  :P

A few days in between Passover we become light  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: wierdal832 on March 24, 2013, 01:43:42 AM
Last year? You just became a member  :P

A few days in between Passover we become light  :)

+1
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 24, 2013, 01:44:01 AM
Last year? You just became a member  :P
I was a lurker back then. Don't you have diapers to change?

Mazel tov!



Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on March 24, 2013, 01:46:13 AM
I was a lurker back then. Don't you have diapers to change?

Mazel tov!
ALOL  ;D

Thanks!
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 24, 2013, 08:13:43 AM
Of course!

Are you joking? It's no longer Adar...
thats why he asked the question in this thread.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 24, 2013, 08:15:00 AM
I was a lurker back then. Don't you have diapers to change?

Mazel tov!
ha a whole year of lurking. Creepy :p
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 25, 2013, 04:41:31 PM
I have some points from a starwood card that I dont use anymore, mostly we use my wife's.
Can I transfer the few thousand points I have on my card to my wife's account? How do I do this?
I have a some points on my freedom and some on my sapphire is it smart to combine those points to 1 account? TIA
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 25, 2013, 04:42:36 PM
I have some points from a starwood card that I dont use anymore, mostly we use my wife's.
Can I transfer the few thousand points I have on my card to my wife's account? How do I do this?
I have a some points on my freedom and some on my sapphire is it smart to combine those points to 1 account? TIA

At SPG.com when signed into your account you can transfer points from yours to your wife's as long as the addresses match.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 25, 2013, 04:43:14 PM
At SPG.com when signed into your account you can transfer points from yours to your wife's as long as the addresses match.
Meaning we both live at the same address?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 25, 2013, 04:43:45 PM
Meaning we both live at the same address?

Yes
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 25, 2013, 04:46:40 PM
Yes
I am on SPG.com now, how do I it?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on March 25, 2013, 04:56:04 PM
I am on SPG.com now, how do I it?
Are both accounts same address?

With chase UR points you can transfer between SP and freedom and back but only the SP (and ink) can transfer to airlines and hotels.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 25, 2013, 04:58:50 PM
I am on SPG.com now, how do I it?

Look for redeem points, transfer points. No by a comp to tell you exactly.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 25, 2013, 05:01:14 PM
Are both accounts same address?

With chase UR points you can transfer between SP and freedom and back but only the SP (and ink) can transfer to airlines and hotels.
On SPG I figured it out 8)  Thanks.
Should I transfer my freedom points to the SP? Is it worth it?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on March 25, 2013, 05:16:23 PM
On SPG I figured it out 8)  Thanks.
Should I transfer my freedom points to the SP? Is it worth it?
No difference. Unless you want to transfer to airline or hotel.

Just remember that when canceling either one of them make sure no UR points are in that account.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on March 25, 2013, 05:50:00 PM
Is there a preference to eat matzos which were naked today, erev yom tov?
Title: Re: Questions and Help for BEGINNERS!
Post by: raphy781 on March 25, 2013, 05:51:18 PM
Is there a preference to eat matzos which were naked today, erev yom tov?
I assume u mean Baked
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on March 25, 2013, 05:53:15 PM
Lol..
Yeah, baked.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 25, 2013, 05:53:39 PM
Is there a preference to eat matzos which were naked today, erev yom tov?
Yes. I think its a minhag.

Chasidim try to get at least 3 matzos that were baked after chatzos today.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 25, 2013, 05:59:37 PM
Meshug, aren't you chasidish?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on March 25, 2013, 06:13:39 PM
Yes, I am.
We all get these matzos, but they're so thick and hard to eat a kezayis within achilas pras.
So if its just a minhag I'd rather use the regular.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 25, 2013, 06:15:09 PM
No difference. Unless you want to transfer to airline or hotel.

Just remember that when canceling either one of them make sure no UR points are in that account.
thanks. Don't plan on canceling any of those cards soon.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 29, 2013, 12:09:25 AM
Are UA or BA points transferable to UR?
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on March 29, 2013, 12:26:42 AM
Are UA or BA points transferable to UR?

nope, it goes the other way, from UR to UA or BA
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 29, 2013, 12:29:03 AM
nope, it goes the other way, from UR to UA or BA
gotcha. thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: dsw193 on March 30, 2013, 10:35:19 PM
my annual fee on blue cash preferred is due in 2 weeks so I downgraded to blue cash everyday I got letter today stating change and that I have some time to revert change my question is what happens if I wait till after annual fee due date to revert will I get charged right then or will I have a year? and what about just calling in to upgrade (not reverting) is that any different? Thanks.
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on March 30, 2013, 10:54:34 PM
Meshug, aren't you chasidish?
I couldn't tell from your Avatar!
 ::)
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 31, 2013, 02:00:52 AM
When do I get the 10% mileage back from AA(citi CC)

When doing a NA Gateway SO (ex. 2013 LAX-NYC(SO)2014 NYC-LHR)

1)After the complete ticket.

2)Once I start flying.



Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on March 31, 2013, 02:01:46 AM
A few weeks after booking.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on March 31, 2013, 02:03:31 AM
A few weeks after booking.
I thought I read somewhere you need to fly first before they credit you?

Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on March 31, 2013, 02:10:32 AM
NIME.
Title: Re: Questions and Help for BEGINNERS!
Post by: Jkhein on March 31, 2013, 02:11:13 AM
NIME.
+1
Title: Re: Questions and Help for BEGINNERS!
Post by: Fan of Dan on March 31, 2013, 10:40:48 AM
I recall the time I was 600 miles short and after the 10 percent I had more than enough miles, and I had to pay 60 bucks for the miles not to lose the ticket  :( .
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 31, 2013, 04:07:41 PM
Am I able to transfer the cash back from blue cash to MR points?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 31, 2013, 04:09:41 PM
Am I able to transfer the cash back from blue cash to MR points?
It would be great if this was an option.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 31, 2013, 04:10:30 PM
It would be great if this was an option.
ill take that as a no ;). Thanks.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 31, 2013, 04:13:28 PM
ill take that as a no ;). Thanks.
I have no idea. Was just making a comment.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 31, 2013, 04:17:31 PM
I have no idea. Was just making a comment.
ah ok so anybody have an idea?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on March 31, 2013, 04:32:52 PM
No.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on March 31, 2013, 04:41:23 PM
No.
thanks. Will they send me a check for the money if I call them?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on March 31, 2013, 04:42:26 PM
thanks. Will they send me a check for the money if I call them?
It would be great if this was an option.
:)
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on March 31, 2013, 06:14:29 PM
Can someone remind me what being notified in  7-10 days means versus 2 weeks with Chase?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on March 31, 2013, 06:16:47 PM
Can someone remind me what being notified in  7-10 days means versus 2 weeks with Chase?
7-10 = declined

2 weeks = being processed
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 10:17:12 PM
A gute voch!

i am looking into applying to a few more chase so i have the following credit cards

United explorer plus

Reg united explorer

Sapphire Preferred

Freedom

whats the best way going about it?

maybe downgrading the SP and the united then applying?

TIA!
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 02, 2013, 10:19:28 PM
A gute voch!

i am looking into applying to a few more chase so i have the following credit cards

United explorer plus

Reg united explorer

Sapphire Preferred

Freedom

whats the best way going about it?

maybe downgrading the SP and the united then applying?

TIA!

Explain your question more clearly, please.
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 10:32:38 PM
Explain your question more clearly, please.
im looking to churn more chase credit cards, and was wondering whats the best way to go about it...

just to make the most miles (worth the most money)
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 02, 2013, 10:41:17 PM
im looking to churn more chase credit cards, and was wondering whats the best way to go about it...

just to make the most miles (worth the most money)

The cards listed above are the ones you have, or the ones you want? I couldn't understand?
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 10:42:26 PM
The cards listed above are the ones you have, or the ones you want? I couldn't understand?
The ones I have.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 02, 2013, 10:42:55 PM
im looking to churn more chase credit cards, and was wondering whats the best way to go about it...

just to make the most miles (worth the most money)

I usually just apply for the SP version I don't have (Visa, Mastercard) and close down the other to get it approved. And I usually close down the Uniteds and move over the credit to a different card currently open and then apply.
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 10:45:53 PM
I usually just apply for the SP version I don't have (Visa, Mastercard) and close down the other to get it approved. And I usually close down the Uniteds and move over the credit to a different card currently open and then apply.
Thanks!  sounds like ur way hits ur credit hard.

Or maybe not that bad since you are transferring the credit (on the united)
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on April 02, 2013, 10:47:03 PM
Thanks!  sounds like ur way hits ur credit hard.

Or maybe not that bad since you are transferring the credit (on the united)
And how is that? What way doesn't?
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 10:48:03 PM
And how is that? What way doesn't?
Just applying and shifting the credit via reconsideration. Or it's the same?
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 02, 2013, 10:48:15 PM
Go for southwest and BA, and either  Marriott premier or hyatt. 
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 10:50:32 PM
Go for southwest and BA, and either  Marriott premier or hyatt.
But if I do what sky121 said I get the good cards no? Better points value.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 02, 2013, 10:52:45 PM
But if I do what sky121 said I get the good cards no? Better points value.

You can do the SP and knock out one of the others that I suggested. The 50k from SW and BA are more than the 40k from SP.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on April 02, 2013, 10:53:59 PM
Just applying and shifting the credit via reconsideration. Or it's the same?
Not understanding. That's what churning is. If you want to get a SP when you already have one then sky's way is the way to do it. Same with united. If you wanted to get a new card you do not have then you can apply for it and offer to transfer CL from other existing cards.

But if I do what sky121 said I get the good cards no? Better points value.
Yes
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 02, 2013, 10:54:10 PM
You can do the SP and knock out one of the others that I suggested. The 50k from SW and BA are more than the 40k from SP.

More points but not necessarily more value.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 02, 2013, 10:56:07 PM
True. But he is looking to apply for more cards than one...
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 10:58:02 PM
So shifting credit does not make a difference if done via reconsideration or via reallocation?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on April 02, 2013, 10:58:06 PM
True. But he is looking to apply for more cards than one...
I usually just apply for the SP version I don't have (Visa, Mastercard) and close down the other to get it approved. And I usually close down the Uniteds and move over the credit to a different card currently open and then apply.
You can add a BA
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on April 02, 2013, 10:58:38 PM
So shifting credit does not make a difference if done via reconsideration or via reallocation?
Regarding you credit score? No.  Its the pull that you get when applying for a card.
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 10:59:12 PM
You can add a BA
I had one before and I heard they are tough.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on April 02, 2013, 11:00:22 PM
I had one before and I heard they are tough.
They are...it wasnt mentioned in your list...
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 11:00:51 PM
Regarding you credit score? No.  Its the pull that you get when applying for a card.
Right. But does reallocating still work with chase, like can I just call before I apply to shift some credit from one card to another?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on April 02, 2013, 11:01:45 PM
Right. But does reallocating still work with chase, like can I just call before I apply to shift some credit from one card to another?
Yes
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 02, 2013, 11:03:04 PM
Right. But does reallocating still work with chase, like can I just call before I apply to shift some credit from one card to another?

You would call after you apply, not before.
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 11:07:53 PM
You would call after you apply, not before.
? I believe there is a department you can call too shift credit. ( even before)
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 02, 2013, 11:12:35 PM
? I believe there is a department you can call too shift credit. ( even before)

Where are you shifting your credit to, and why would that help?
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 02, 2013, 11:18:16 PM
Where are you shifting your credit to, and why would that help?
From united cards to sp. Just easier to shift before so when it comes to recon I won't be shifting from a united to a united.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on April 02, 2013, 11:21:20 PM
From united cards to sp. Just easier to shift before so when it comes to recon I won't be shifting from a united to a united.
Yup
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on April 05, 2013, 12:44:21 AM
Im not really sure where to post this: so i tried in the Help me search thread, and i figured ill try here, because its a beginner question.
when should i pay my cc? Right away? etc.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 05, 2013, 12:47:04 AM
Im not really sure where to post this: so i tried in the Help me search thread, and i figured ill try here, because its a beginner question.
when should i pay my cc? Right away? etc.

I pay most of it after it posts and the rest after the statement closes.
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on April 05, 2013, 12:48:45 AM
I pay most of it after it posts and the rest after the statement closes.
How come? Why would you divide it like that?
And when does "the statement close"?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 05, 2013, 12:51:37 AM
How come? Why would you divide it like that?
And when does "the statement close"?


Personally I like knowing my bills are paid off.
But more importantly you keep your credit utilization score low by only using a smaller amount of your credit.

Your statement closes...when it closes. Each credit card has a different date.
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on April 05, 2013, 12:53:21 AM

Your statement closes...when it closes. Each credit card has a different date.
What i meant was: Does it closes at the end of a cycle, and then you get your bill etc?
Or once you get the bill is it too late?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 05, 2013, 12:54:00 AM
What i meant was, it closes at the end of a cycle, and then you get your bill etc?
Or once you get the bill is it too late?

It closes on a certain date. After that date is when I pay the rest.  The bill comes in the actual mail a few days later usually. Either way.
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on April 05, 2013, 01:00:47 AM
It closes on a certain date. After that date is when I pay the rest.  The bill comes in the actual mail a few days later usually. Either way.
So i should keep on top of it, online, and pay as soon as it closes?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 05, 2013, 01:02:55 AM
So i should keep on top of it, online, and pay as soon as it closes?

Whatever you leave over to pay after the statement closes can be paid anytime from when it closes until the due date. That makes no difference.
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on April 05, 2013, 01:08:29 AM
Whatever you leave over to pay after the statement closes can be paid anytime from when it closes until the due date. That makes no difference.
Ah okay. I understand- theres a closing date, when the cycle ends. And a due date- when you have to pay it by in order not to incur fees.
(is that right?)
Thanks alot for you clarification!
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on April 05, 2013, 01:12:31 AM
Ah okay. I understand- theres a closing date, when the cycle ends. And a due date- when you have to pay it by in order not to incur fees.
(is that right?)
Thanks alot for you clarification!
Yes.

Some advice, be on top of it as much as possible, you won't regret it ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on April 05, 2013, 01:17:28 AM
Yes.

Some advice, be on top of it as much as possible, you won't regret it ;)
Thanks!
Title: Re: Questions and Help for BEGINNERS!
Post by: Fan of Dan on April 05, 2013, 03:08:47 AM
Booking a ticket for me and a friend. Know month and year but not day. Domestic travel on AA using BA miles. Can I just make up a date?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 05, 2013, 08:45:34 AM
Booking a ticket for me and a friend. Know month and year but not day. Domestic travel on AA using BA miles. Can I just make up a date?

Birthday?

Yeah.
Title: Re: Questions and Help for BEGINNERS!
Post by: Fan of Dan on April 05, 2013, 09:15:23 AM
Birthday?

Yeah.
thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: Fan of Dan on April 05, 2013, 11:05:04 AM
After booking a ticket using BA miles on AA I did not get an email from BA. I did however manage to search for it on AA's website and it said ticketed and allowed us to choose seats. Any need for concern?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 05, 2013, 11:09:15 AM
thanks
After you get the correct date I'd call up and fix it.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 05, 2013, 11:09:41 AM
After booking a ticket using BA miles on AA I did not get an email from BA. I did however manage to search for it on AA's website and it said ticketed and allowed us to choose seats. Any need for concern?

How long did you wait? It takes a good couple of minutes IME.
Title: Re: Questions and Help for BEGINNERS!
Post by: Fan of Dan on April 05, 2013, 11:10:42 AM
How long did you wait? It takes a good couple of minutes IME.
I booked it ten hours ago, hence my concern.

Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on April 05, 2013, 11:11:54 AM
After booking a ticket using BA miles on AA I did not get an email from BA. I did however manage to search for it on AA's website and it said ticketed and allowed us to choose seats. Any need for concern?
Check your spam
Title: Re: Questions and Help for BEGINNERS!
Post by: Fan of Dan on April 05, 2013, 11:13:33 AM
Check your spam
Yeah thanks just checked it and there it was. So wierd cause I always get their emails.
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 07, 2013, 05:29:49 PM
I am a beginner and just opened up my first student credit card, so please forgive me if i don't use the proper DDF terminology. Based on some reading, I have gathered that its ideal to pay most of your Credit off after it posts and not wait until it shows up on the statement. This will of course help one keep his credit utilization low. It seems that ideally, one should only spend up to 20-25 percent of his spending limit.
 
So, lets take a case where someone has an $1000 spending limit. Would it be prudent for him to spend 750, pay off 600 immediately when it posts and then allow for 150 to show up on his statement? This will therefore ensure that only 150 is reported to the credit bureau at the end of the month. Or shd he just spend the $150 on the card and then pay at the end of statement.

In essence, I am asking the following. If a person pays off his credit immediately after it posts and never waits until the statement, will he ever improve his credit? It would seem to me that the credit bureaus will never see any usage of his cards?!

If someone can please confirm that i am understanding this properly, it would be greatly appreciated. Also, if someone has some more advice on good ways to build your credit, please let me know. 
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 07, 2013, 05:33:10 PM
I am a beginner and just opened up my first student credit card, so please forgive me if i don't use the proper DDF terminology. Based on some reading, I have gathered that its ideal to pay most of your Credit off after it posts and not wait until it shows up on the statement. This will of course help one keep his credit utilization low. It seems that ideally, one should only spend up to 20-25 percent of his spending limit.
 
So, lets take a case where someone has an $1000 spending limit. Would it be prudent for him to spend 750, pay off 600 immediately when it posts and then allow for 150 to show up on his statement? This will therefore ensure that only 150 is reported to the credit bureau at the end of the month. Or shd he just spend the $150 on the card and then pay at the end of statement.

In essence, I am asking the following. If a person pays off his credit immediately after it posts and never waits until the statement, will he ever improve his credit? It would seem to me that the credit bureaus will never see any usage of his cards?!

If someone can please confirm that i am understanding this properly, it would be greatly appreciated. Also, if someone has some more advice on good ways to build your credit, please let me know.

Always leave a bit that's due when the statement closes. It seems to me you get the idea.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 07, 2013, 05:35:20 PM
Frankly, I never worry about paying off right when I swipe. Definitely more trouble than it's worth.

The one exception would be right before a round of apps, where the closer your util % to 1-10% the better.
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 07, 2013, 05:37:24 PM
Thanks.

So basically, I don't need to worry about using %70 of spending limit if at the time of the statement, its down to %10. correct?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on April 07, 2013, 05:38:50 PM
correct
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on April 07, 2013, 05:39:03 PM
Thanks.

So basically, I don't need to worry about using %70 of spending limit if at the time of the statement, its down to %10. correct?
You got it.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 07, 2013, 05:39:28 PM
Thanks.

So basically, I don't need to worry about using %70 of spending limit if at the time of the statement, its down to %10. correct?

Again, I don't worry about such things. And, different issuers report at different times, so you trying to payoff before the "statement date" maybe be a fool's game too late.

Having 70% usage, though not recommended, is really irrelevant unless, as I mentioned above, you're doing a round of apps in the near future, or you're super sensitive to the possibility of A/A or FR.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on April 07, 2013, 05:41:22 PM
Would a negative balance (meaning the CC company owes me money on the card)  help your credit score or me owing them $1 is better?
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 07, 2013, 05:42:42 PM
@AJK I got it thanks.

One more quick question: I am a college student and as i wrote above, I just opened my first card. How many months should i wait before i start applying for the non-student cards? In other words, how many months does it take to start building your credit?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 07, 2013, 05:43:22 PM
Would a negative balance (meaning the CC company owes me money on the card)  help your credit score or me owing them $1 is better?

I doubt it would help your score, but it seems that owing $1 is better than owing $0.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 07, 2013, 05:44:03 PM
Would a negative balance (meaning the CC company owes me money on the card)  help your credit score or me owing them $1 is better?
Credit balance does not help your score and can cause AA.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 07, 2013, 05:45:03 PM
@AJK I got it thanks.

One more quick question: I am a college student and as i wrote above, I just opened my first card. How many months should i wait before i start applying for the non-student cards? In other words, how many months does it take to start building your credit?

That varies for different people and you'll likely get different answers.

Personally, I'd wait 6 months just because I don't want to risk a pull and receive nothing from it (in the event I was declined for insufficient credit history).

Use this card, pay it off diligently, and move to the next level in 3-6 months.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 07, 2013, 05:46:07 PM
I doubt it would help your score, but it seems that owing $1 is better than owing $0.
If anyone wants to know more about this search BobWang's post at CB. He did a test of this and tracked his real FICO score.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 07, 2013, 05:46:45 PM
If anyone wants to know more about this search BobWang's post at CB. He did a test of this and tracked his real FICO score.

Save me some time -- do I recall correctly?

1% > 0% or 2%-100%
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 07, 2013, 05:50:01 PM
Save me some time -- do I recall correctly?
Sorry, I can't remember.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 07, 2013, 05:52:14 PM
Sorry, I can't remember.

#OldAge  ;D
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 07, 2013, 05:58:13 PM
So what do you guys say in conclusion?

Does this sound like a safe plan?

I will spend around 20% of my spending limit per month and pay off around 5-10% when it posts, and the rest at the time i receive my statement.

I really want to build an excellent credit score, so that i can apply and get approved for the awesome cards in like 6 months. Also, the points i will receive on this citi student forward card are going to be nothing compared to 1 sign up bonus on one of Dan's recommended cards. So basically, keeping a pristine credit is my chief objective.

Thanks again

Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 07, 2013, 06:01:49 PM
Either I'm not being clear, or you're not reading what I'm writing  ;)

For perfect, pristine credit, you should be paying off all but 1% of your utilization, not as your seem to saying, 10-15%.

But:

Again, I don't worry about such things. And, different issuers report at different times, so you trying to payoff before the "statement date" maybe be a fool's game too late.

Having 70% usage, though not recommended, is really irrelevant unless, as I mentioned above, you're doing a round of apps in the near future, or you're super sensitive to the possibility of A/A or FR.

Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 07, 2013, 06:04:32 PM
K. Thanks. Now, I got it.

Have a good evening.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 07, 2013, 06:05:35 PM
K. Thanks. Now, I got it.

Have a good evening.

You, too!
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 08, 2013, 08:12:35 PM
Does the address you write in app have an effect on your likelihood of getting approved for a card (at least instantly)? For example, applying from my parents address (better credit history), instead of my own?

While I'm asking already, where I can find the thread that lists which company CC companies pull from?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 08, 2013, 08:30:09 PM
Does the address you write in app have an effect on your likelihood of getting approved for a card (at least instantly)?

Yes.
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on April 08, 2013, 08:31:18 PM
Yes.

Please elaborate if possible.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 08, 2013, 09:02:26 PM
Please elaborate if possible.

The likelihood of automagic approval decreases if the addresses do not match.
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on April 08, 2013, 09:05:22 PM
The likelihood of automagic approval decreases if the addresses do not match.

Ah, ok.
So what he wanted to do would have made it worse.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on April 08, 2013, 09:16:02 PM
The likelihood of approval decreases if the addresses do not match.
FTFY

Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 08, 2013, 09:47:01 PM
The likelihood of automagic approval decreases if the addresses do not match.

Whose talking about putting two addresses on an app?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 08, 2013, 10:13:51 PM
Whose talking about putting two addresses on an app?

No one. Or at least not me.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 08, 2013, 10:14:43 PM
No one. Or at least not me.

So which addresses have to match? I will put down one address , shalom al yisrael.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 08, 2013, 10:15:14 PM
So which addresses have to match? I will put down one address , shalom al yisrael.

The address you put on app should match address on credit file.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 08, 2013, 10:28:31 PM
The address you put on app should match address on credit file.

How would I know what address is on my credit file?
For example, I will be moving soon, how will they know that I moved?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 08, 2013, 10:49:41 PM
How would I know what address is on my credit file?
For example, I will be moving soon, how will they know that I moved?
Look at your CR and they won't.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 08, 2013, 11:00:28 PM
Look at your CR and they won't.

Thanks.

Do you believe that certain addresses have "better" creditworthiness, based on the credit history of all those that lived there, that makes it easier for anyone that applies from there to get accepted or to get higher spending limits? My first card I ever applied to was from my parents house was an spg approved for a whopping 20k...Thinking to start my wife there too.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on April 08, 2013, 11:13:32 PM
Why would it make a difference (in terms of credit worthiness) what address you enter on the app?
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 08, 2013, 11:16:44 PM
Why would it make a difference (in terms of credit worthiness) what address you enter on the app?

It can be that the banks have certain neighborhoods that fit their wealthy demographics, or it could be that if some of the people at an address have very good credit, then the other people at the same address (probably a relative) will have similar money/habits to cover their bills.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on April 08, 2013, 11:18:33 PM
I doubt it.
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on April 08, 2013, 11:21:41 PM
I doubt it.

Yeah...
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 08, 2013, 11:21:53 PM
I doubt it.

Well both me and my younger bro got approved for very high CL on our first ever apps with zero credit history, so I would assume their is some system they have in place.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 08, 2013, 11:35:14 PM
Well both me and my younger bro got approved for very high CL on our first ever apps with zero credit history, so I would assume their is some system they have in place.

And perhaps your social was attached to a parents old account?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on April 09, 2013, 12:04:33 AM
And perhaps your social was attached to a parents old account?
Most probably.

I got my wife her first citi card with 4k and a month later, a successful 3bm with amex.

You got to love the in-laws:)

Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 09, 2013, 12:33:26 AM
And perhaps your social was attached to a parents old account?

Yeh, I guess so. Though I still believe that the AU isn't the only factor.
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on April 09, 2013, 08:23:32 AM
...besides why would i extend credit to a 30 year old still living in his moms basement ;D
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 09, 2013, 08:42:48 AM
Do you guys believe that if all other things were equal, and I write that my address is in the slums of Detroit, that it wouldn't make any difference in the eyes of the bank?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 09, 2013, 10:24:13 AM
It can be that the banks have certain neighborhoods that fit their wealthy demographics, or it could be that if some of the people at an address have very good credit, then the other people at the same address (probably a relative) will have similar money/habits to cover their bills.
One word if they do this "lawsuit".
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 09, 2013, 11:32:03 AM
One word if they do this "lawsuit".

Big time.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 09, 2013, 12:37:54 PM
They did/do it with mortgages, and its easier for them to do it with CC's without getting caught.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 09, 2013, 03:18:37 PM
They did/do it with mortgages, and its easier for them to do it with CC's without getting caught.

Says you.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 09, 2013, 03:28:11 PM
They did/do it with mortgages, and its easier for them to do it with CC's without getting caught.
Not sure in your area but it my area it did happen with mortgages years ago and they paid out big time because of it. Ever hear the term "redlining".
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 09, 2013, 03:55:44 PM
I am wondering the effect of a closing a credit card and one's credit score. This topic has probably been discussed at length somewhere on DDF, but I cannot find where.

Can someone please help me locate a discussion on this matter? A link?

Thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on April 09, 2013, 03:58:44 PM
http://www.dansdeals.com/archives/23410
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 09, 2013, 04:04:33 PM
Thanks Dan! Have a great evening.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on April 10, 2013, 05:30:21 PM
When transferring Hyatt points to SW, do the names have to match?
Title: Re: Questions and Help for BEGINNERS!
Post by: mgarfin on April 10, 2013, 06:08:41 PM
I'm on the forum awhile but think this is a beginner question so i'll ask it here.

Dose successful churning a card mean, closing it before a new application, and if yes when, right before new application or closing and then waiting out the churn period needed?
Title: Re: Questions and Help for BEGINNERS!
Post by: wierdal832 on April 10, 2013, 06:13:37 PM
I'm on the forum awhile but think this is a beginner question so i'll ask it here.

Dose successful churning a card mean, closing it before a new application, and if yes when, right before new application or closing and then waiting out the churn period needed?

Correct. Don't forget to move your credit line over. You can apply the same day u close it
Title: Re: Questions and Help for BEGINNERS!
Post by: mgarfin on April 11, 2013, 02:14:27 PM
Thanks

Is that true for amex, chase, cti, etc.

(Meaning after waiting the time needed to churn, I close plat in the morning apply at night and still get approved and get the points.) 
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 12, 2013, 09:01:03 AM
I have to book 2 tickets for someone from DTW-YYC for the summer.
They may have to end up cancelling.

What's the best way to book with miles/cash?

(Obviously I'm not looking to book refundable cash tickets as those cost a fortune. )
Title: Re: Questions and Help for BEGINNERS!
Post by: noturbizniss on April 12, 2013, 03:18:41 PM
I know what it actually is, and I've been posting for a few months but for the life of me I can't figure out what DO actually stands for!!!
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on April 12, 2013, 03:19:29 PM
I know what it actually is, and I've been posting for a few months but for the life of me I can't figure out what DO actually stands for!!!
I think it stands for DAY OUT
Title: Re: Questions and Help for BEGINNERS!
Post by: real-brisker on April 12, 2013, 03:21:21 PM
I think we should make a roshei teivos Master Thread
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on April 12, 2013, 03:23:52 PM
I know what it actually is, and I've been posting for a few months but for the life of me I can't figure out what DO actually stands for!!!
It doesn't stand for anything.  If fact it's not an acronym at all, it's pronounced like the word "due."
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on April 12, 2013, 03:24:37 PM
I think it stands for DAY OUT
could be day off

I think we should make a roshei teivos Master Thread
joking? there is one...
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on April 12, 2013, 03:25:15 PM
I think we should make a roshei teivos Master Thread

There is.
Search "acronyms"
Title: Re: Questions and Help for BEGINNERS!
Post by: real-brisker on April 12, 2013, 03:26:02 PM
JJ1000 - Oh yeh, never saw it!
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on April 12, 2013, 03:37:22 PM
It doesn't stand for anything.  If fact it's not an acronym at all, it's pronounced like the word "due."
really? What does that mean though?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on April 12, 2013, 03:39:50 PM
really? What does that mean though?
http://www.flyertalk.com/forum/communitybuzz/480017-whats-flyertalk-do.html
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on April 12, 2013, 03:43:13 PM
I always thought it stands for Day Out.
I even added it a while ago to the acronyms thread wiki.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on April 12, 2013, 03:44:08 PM
I always thought it stands for Day Out.
I even added it a while ago to the acronyms thread wiki.
me too. Guess not although that makes the most sense.
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 14, 2013, 04:02:14 PM
Quick Q: I just applied for two Chase cards last night using 2 B/M and got instant approval for the Bristish Airways (50,000) and am waiting on the Chase preferred. I expect to be approved as I have excellent credit.  I am wondering if its prudent to apply for another 2 BM, say with Amex, and if not, how long should i wait?

Thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: Moshe123 on April 14, 2013, 04:07:05 PM
Quick Q: I just applied for two Chase cards last night using 2 B/M and got instant approval for the Bristish Airways (50,000) and am waiting on the Chase preferred. I expect to be approved as I have excellent credit.  I am wondering if its prudent to apply for another 2 BM, say with Amex, and if not, how long should i wait?

Thanks

First, call recon now for chase other card.
second, if you can meet the spend, go for amex too.
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 14, 2013, 04:09:54 PM
Why should I call them if i wasn't rejected yet? I just applied last night... Shouldn't Iwait to call recon until he actually gets rejected. Please advise, I am a rookie.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 14, 2013, 04:11:31 PM
Why should I call them if i wasn't rejected yet? I just applied last night... Shouldn't Iwait to call recon until he actually gets rejected. Please advise, I am a rookie.

I call right away. Sooner you call, sooner you can push things through.
Just goes quicker.
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 14, 2013, 04:15:16 PM
Just one more q: It seems that meeting a spending threshold isn't so difficult with Amazon payment. It allows for $1000 a month! I don't see meeting the spending threshold as the problem, I just want to make sure that I can get approved for 2 or 3 amex cards as i don't want to waste a hard pull. In the past, people have gotten approved with no problem, even after just applying for another card. correct?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 14, 2013, 04:16:17 PM
Just one more q: It seems that meeting a spending threshold isn't so difficult with Amazon payment. It allows for $1000 a month! I don't see meeting the spending threshold as the problem, I just want to make sure that I can get approved for 2 or 3 amex cards as i don't want to waste a hard pull. In the past, people have gotten approved with no problem, even after just applying for another card. correct?

Yes, people get approved for 2/3 Amex cards all the time. It depends on your credit history and score.

Does Amex pull from the same bureaus as Chase where you live?

Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 14, 2013, 04:53:33 PM
I don't know, how would i figure that out?

I just called the reconsideration department and was told that the application is going through another managers review and they expect me to be approved. Should i be nervous that they didn't tell me that I didn't get the decision on the phone?
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 17, 2013, 04:10:30 PM
I got approved for the the 2 chase cards the BA (50000) and Chase Safire preferred (40000). One instant and one with reconsideration. Firstly, what's the best way to see if I got one or two pulls? Secondly, if it only counted as one pull, is it prudent to go ahead and do a 2BM with Amex?

I bet this has been spoken about, where can I read about it? Please advise.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 17, 2013, 04:13:23 PM
I got approved for the the 2 chase cards the BA (50000) and Chase Safire preferred (40000). One instant and one with reconsideration. Firstly, what's the best way to see if I got one or two pulls? Secondly, if it only counted as one pull, is it prudent to go ahead and do a 2BM with Amex?

I bet this has been spoken about, where can I read about it? Please advise.

The best way is to look at your credit report.

Where do you live? Does AMEX pull from same bureau as Chase by you?
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 17, 2013, 04:14:50 PM
I have no idea. I live in Monsey NY.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on April 17, 2013, 04:24:25 PM
I have no idea. I live in Monsey NY.

I don't live in NY so someone else will have to chime in here.
Title: Re: Questions and Help for BEGINNERS!
Post by: noturbizniss on April 17, 2013, 05:55:14 PM
I have no idea. I live in Monsey NY.
I'm in bronx and amex and chase are EX, citi was TU.Any more info on the Chase call?
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on April 17, 2013, 05:59:28 PM
I have no idea. I live in Monsey NY.
hey!! Well the best way to see ur credit report is experian.com

Eta: spelling.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 17, 2013, 06:15:12 PM
hey!! Well the best way to see ur credit report is expirian.com.
I like to use experian.com  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 17, 2013, 06:37:48 PM
So Experian will only cause a soft pull and therefore will not hurt my credit. Also, is there a way to find out where the various CC companies pull in your area? Perhaps, Monsey would be different than the bronx...

thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on April 17, 2013, 06:47:26 PM
So Experian will only cause a soft pull and therefore will not hurt my credit.
correct
Also, is there a way to find out where the various CC companies pull in your area?
here (http://forums.dansdeals.com/index.php?action=search2)
Perhaps, Monsey would be different than the bronx...
It goes by state.
thanks
your pleasure
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 19, 2013, 01:11:41 PM
SO I just checked my credit score on Exprerian. Thankfully, the score was 772 and my recent 2 B/M with Chase only counted as one pull. Is it prudent for me to go ahead and apply for a 2 or 3 BM method with Amex or Citi. I see that Chase pulls in NY from Experian and the same is true with Amex. Citi, on the other hand, pulls from Equifax.

How does this affect which card I should apply for?

Thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on April 21, 2013, 12:17:02 PM
SO I just checked my credit score on Exprerian. Thankfully, the score was 772 and my recent 2 B/M with Chase only counted as one pull. Is it prudent for me to go ahead and apply for a 2 or 3 BM method with Amex or Citi. I see that Chase pulls in NY from Experian and the same is true with Amex. Citi, on the other hand, pulls from Equifax.

How does this affect which card I should apply for?

Thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 21, 2013, 11:14:20 PM
will amazon payments count as a direct deposit for a citibank account?
Title: Re: Questions and Help for BEGINNERS!
Post by: tuvz on April 22, 2013, 03:18:29 AM
will amazon payments count as a direct deposit for a citibank account?

http://forums.dansdeals.com/index.php?topic=11144.msg138420#msg138420
Title: Re: Questions and Help for BEGINNERS!
Post by: lcyitz on April 22, 2013, 04:05:07 AM
http://forums.dansdeals.com/index.php?topic=11144.msg138420#msg138420
Thanks Tuvz!!!!  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 23, 2013, 04:55:19 PM
Can Amex BC or BCP be converted into MR points?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on April 23, 2013, 05:05:34 PM
Can Amex BC or BCP be converted into MR points?
NAFAIK
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on April 23, 2013, 05:13:20 PM
No.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 23, 2013, 05:40:37 PM
NAFAIK
No.
I like Dan's answer better. It still gives me hope.
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on April 23, 2013, 05:54:11 PM
I like Dan's answer better. It still gives me hope.
Dan's NAFAIK is as good as our 'No'.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 23, 2013, 05:58:00 PM
Dan's NAFAIK is as good as our 'No'.
Yes but not the same. It reminds of the discussion about...  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: noturbizniss on April 23, 2013, 06:08:05 PM
Yes but not the same. It reminds of the discussion about...  :)
What happened to your גרא avatar?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on April 23, 2013, 06:10:40 PM
What happened to your גרא avatar?
http://forums.dansdeals.com/index.php?topic=21201.msg470022#msg470022
Title: Re: Questions and Help for BEGINNERS!
Post by: noturbizniss on April 23, 2013, 06:13:30 PM
http://forums.dansdeals.com/index.php?topic=21201.msg470022#msg470022
thanks. shooda known there was a dedicated thread.
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on April 23, 2013, 06:34:00 PM
What happened to your גרא avatar?
Causing too much chasid/misnagid tensions ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 23, 2013, 07:02:35 PM
Causing too much chasid/misnagid tensions ;)
Google gave me a better avatar.

j/k
Title: HELP with loading BB card from gift cards
Post by: mn5kids on April 23, 2013, 10:50:05 PM
Ok, I really apologize. I'm more than a newby, I totally green.  I posted this somewhere else in another area, but I'll probably get more help in this forum.  I'm sorry in advance for repeating the post.

Chicago/Skokie/Lincolnwood area: I received my Bluebird card yesterday in the mail. Today I went to Office Max to buy some gift cards. I was just about to go to town and buy a whole boatload of them ($1000)for various stores that I don’t usually frequent. At the last minute, I decided to be conservative and buy something that I could use in case it didn’t work. I bought two $50 gift cards for Bed Bath & Beyond. I went to my local Walmart. I went to 3 cashiers, the manager of Customer Service, and the assistant manager of Customer Service. NONE of them have ever heard about being able to transfer gift cards onto a Bluebird card. I’m not worried about the gift cards because I can use them, but now what do I do about loading my BB card with the gift cards?  Help!

If I tell the cashier to use the pin # on the back of the GC, will it then work as a debit card and then I'll be able to load my BB card?  Can I do this myself from the ATM machine?   
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on April 23, 2013, 11:26:14 PM
Um, i never heard of loading store gc on to bluebird, only visa (or other prepaid bank gc)
Title: Re: HELP with loading BB card from gift cards
Post by: sky121 on April 24, 2013, 12:56:11 AM
Ok, I really apologize. I'm more than a newby, I totally green.  I posted this somewhere else in another area, but I'll probably get more help in this forum.  I'm sorry in advance for repeating the post.

Chicago/Skokie/Lincolnwood area: I received my Bluebird card yesterday in the mail. Today I went to Office Max to buy some gift cards. I was just about to go to town and buy a whole boatload of them ($1000)for various stores that I don’t usually frequent. At the last minute, I decided to be conservative and buy something that I could use in case it didn’t work. I bought two $50 gift cards for Bed Bath & Beyond. I went to my local Walmart. I went to 3 cashiers, the manager of Customer Service, and the assistant manager of Customer Service. NONE of them have ever heard about being able to transfer gift cards onto a Bluebird card. I’m not worried about the gift cards because I can use them, but now what do I do about loading my BB card with the gift cards?  Help!

If I tell the cashier to use the pin # on the back of the GC, will it then work as a debit card and then I'll be able to load my BB card?  Can I do this myself from the ATM machine?

You can only load Vanilla reloads or Visa gift cards on to Bluebird, NOT store gift cards.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 24, 2013, 09:35:16 AM
Can Avios be used on AA for LAX-HNL?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on April 24, 2013, 09:35:40 AM
Can Avios be used on AA for LAX-HNL?
Yes
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on April 24, 2013, 10:13:23 AM
Yes
TY. Can I search on BA. Nothing is showing up.
Title: Re: Questions and Help for BEGINNERS!
Post by: mercaz1 on April 24, 2013, 10:16:50 AM
my wife just got an invitation toget the Amex plat with 100,000 bonus points/
what is the best way to take advantage of all the benefits of the Plat- $200 airline credit etc.? without paying the full annual fee?
also how much can i sell the points for when i get them?
Title: Re: Questions and Help for BEGINNERS!
Post by: Twin on April 24, 2013, 10:17:46 AM
Don't forget about global entry
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on April 24, 2013, 10:34:08 AM
TY. Can I search on BA. Nothing is showing up.
Yes.

It needs to be AA Saver Award.
Title: Re: HELP with loading BB card from gift cards
Post by: mn5kids on April 24, 2013, 10:35:22 AM
You can only load Vanilla reloads or Visa gift cards on to Bluebird, NOT store gift cards.

If you go to the post "Having Fun Cashing Out Gift Cards" in the archives, it shoes a board with lots of different gift cards for many different stores.  It doesn't say anything about just Visa/MC gift cards.  Visa cards cost $5.95 service fee for $50 and go up from there in the Chicago area. 

I obviously misinterpreted this to mean "thousands of dollars in gift cards" to mean only CC gift cards.  Correct?
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on April 30, 2013, 01:19:18 AM
can anyone answer this question (http://forums.dansdeals.com/index.php?topic=16662.msg478820#msg478820)?
Title: Re: Questions and Help for BEGINNERS!
Post by: Sammy12345 on May 01, 2013, 05:58:05 PM
Need some help here:
I had 3 Chase cards 2 SP and one United MPlus
I closed one of the SP and transferred the CL to my other SP which now totals to 14,500 on the other had i have my United card which has 14,500 on its own and i need to close that now as well what should i do with the CL from that card?
TIA
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on May 01, 2013, 06:26:00 PM
Need some help here:
I had 3 Chase cards 2 SP and one United MPlus
I closed one of the SP and transferred the CL to my other SP which now totals to 14,500 on the other had i have my United card which has 14,500 on its own and i need to close that now as well what should i do with the CL from that card?
TIA
Its OK to loose some credit.

Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on May 01, 2013, 07:18:01 PM
can anyone answer this question (http://forums.dansdeals.com/index.php?topic=16662.msg478820#msg478820)?
BUMP
Title: Re: Questions and Help for BEGINNERS!
Post by: Sammy12345 on May 03, 2013, 10:55:21 AM
Its OK to loose some credit.
should i try to merge cards do u think that they will give me more then 14,500 
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on May 05, 2013, 01:39:49 AM
should i try to merge cards do u think that they will give me more then 14,500
they should move it over for u, but i would suggest applying for 3 chase cards 3 bm , and ifbu don't get approved move over the line of credit to those cards , which works ! 
Title: Re: Questions and Help for BEGINNERS!
Post by: mercaz1 on May 06, 2013, 12:56:06 PM
my wife just got an invitation toget the Amex plat with 100,000 bonus points/
what is the best way to take advantage of all the benefits of the Plat- $200 airline credit etc.? without paying the full annual fee?
also how much can i sell the points for when i get them?
bump
Title: Re: Questions and Help for BEGINNERS!
Post by: Shreknit on May 06, 2013, 02:33:07 PM
bump

http://forums.dansdeals.com/index.php?topic=3802
Title: Re: Questions and Help for BEGINNERS!
Post by: davidch on May 08, 2013, 11:18:52 PM
How long after getting accepted to my first cc, should I wait to sign up for another one?
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on May 08, 2013, 11:21:07 PM
@davidch

This depends on who you ask.

Most people say to wait 3-6 months... I would personally wait 6 months to be safe.
Title: Re: Questions and Help for BEGINNERS!
Post by: smaxber on May 09, 2013, 12:58:49 PM
Anyone have input regarding whether people new to the cc business have easier time receiving credit from chase or amex?
Title: Re: Questions and Help for BEGINNERS!
Post by: Racer7400 on May 09, 2013, 02:38:58 PM
Anyone have input regarding whether people new to the cc business have easier time receiving credit from chase or amex?
I had a sort of easy time. I had to HUCA for both chase cards I applied to due to short credit history and small CL. But got excepted to both. For Amex for instant approval for MB plat and and SPG.
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on May 09, 2013, 02:46:58 PM
Anyone have input regarding whether people new to the cc business have easier time receiving credit from chase or amex?
Amex has approved me as well for a few card,, but was hit with a FR as soon as i started spending, Chase doesnt ,
Title: Re: Questions and Help for BEGINNERS!
Post by: Racer7400 on May 09, 2013, 02:49:04 PM
Amex has approved me as well for a few card,, but was hit with a FR as soon as i started spending, Chase doesnt ,
i didn't get no FR or A/A. I guess it depends on what you purchase and the amount spent.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on May 09, 2013, 02:56:58 PM
but was hit with a FR as soon as i started spending
What type of spending.
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on May 09, 2013, 03:05:38 PM
What type of spending.
Clothing for yom tov,
Emporio, Nordstrom,,, Some outlets etc.. it was a few k total  , in 2 days
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on May 09, 2013, 03:09:55 PM
Clothing for yom tov,
Emporio, Nordstrom,,, Some outlets etc.. it was a few k total  , in 2 days
:o
Title: Re: Questions and Help for BEGINNERS!
Post by: ganizzy on May 10, 2013, 12:05:42 AM
just checked my credit score

im from ca and all my pulls were from experian
however it seems to be less pulls then what i applied for in the past 2 years. do they sometimes not have a pull?

also even though i had 5 pulls listed on ex in the past 2 years. my ex was a few points higher then eq.
in the explanation ex listed how much credit i have as a positive point. the other 2 didnt mention it. could this be offsetting the negative of hard pulls?

last q' - how long does it take for a late payment to fall off

thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on May 12, 2013, 01:28:10 PM
Would writing a higher income $200,000+ on a chase application be any reason to not receive an instant approval?
Title: Re: Questions and Help for BEGINNERS!
Post by: Twin on May 12, 2013, 01:44:25 PM
Would writing a higher income $200,000+ on a chase application be any reason to not receive an instant approval?
Why would it male a difference.
Why do you put in such a high amount 
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on May 12, 2013, 01:51:31 PM
Why would it male a difference.
Why do you put in such a high amount 
Maybe they doubt the income amount, and want to verify the likely hood of it more...

Maybe that is how much I earn?

Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on May 12, 2013, 04:26:41 PM
Would writing a higher income $200,000+ on a chase application be any reason to not receive an instant approval?
...אדרבא
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on May 12, 2013, 04:28:49 PM
Would writing a higher income $200,000+ on a chase application be any reason to not receive an instant approval?

I know a guy who wrote 2.2 million (I understand its alot more than 200k) and he got denied because he needed to prove it....which he did.

Could be 200k is much different.
Title: Re: Questions and Help for BEGINNERS!
Post by: Shreknit on May 12, 2013, 04:29:52 PM
I know a guy who wrote 2.2 million (I understand its alot more than 200k) and he got denied because he needed to prove it....which he did.



Nice.  What business is he in?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on May 12, 2013, 04:33:31 PM
Nice.  What business is he in?
One that makes alot of money  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on May 12, 2013, 04:42:41 PM
Would writing a higher income $200,000+ on a chase application be any reason to not receive an instant approval?
That amount would be in line with certain professions.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on May 12, 2013, 04:55:12 PM
I know a guy who wrote 2.2 million (I understand its alot more than 200k) and he got denied because he needed to prove it....which he did.
Could be 200k is much different.
It is  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on May 12, 2013, 05:01:32 PM
It is  ;)
Lol...I meant regarding instant approval
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on May 13, 2013, 05:28:15 PM
Hi. I just applied for the Amex Platinum Mercedes card and Starwood Personal and got approved through the reconsider line. It said pending so I called. Should I apply for the Starwood Business today since its only one pull or am I risking two pulls. Should I apply for any other Amex cards today like Hilton...? I already have a Amex green, gold, regular platinum and gold business. Thank you!!
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on May 13, 2013, 05:30:14 PM
Hi. I just applied for the Amex Platinum Mercedes card and Starwood Personal and got approved through the reconsider line. It said pending so I called. Should I apply for the Starwood Business today since its only one pull or am I risking two pulls. Should I apply for any other Amex cards today like Hilton...? I already have a Amex green, gold, regular platinum and gold business. Thank you!!
Go for it!
But i would be careful spending all that money to get the sign up offers it may trigger a financial review,, Unless u have where to back up your income somewhat   
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on May 13, 2013, 05:30:49 PM
Business and Personal are 2 separate pulls.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on May 13, 2013, 05:44:17 PM
Business and Personal are 2 separate pulls.
-1
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on May 13, 2013, 05:54:12 PM
Thanks Meir, I didnt want to bother you again.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on May 13, 2013, 05:56:23 PM
-1
Not just a simple -1, its a much more complicated YMMV. I don't think there is any way to know for sure.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on May 13, 2013, 05:57:27 PM
Not just a simple -1, its a much more complicated YMMV. I don't think there is any way to know for sure.
Everything in this game is YMMV.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on May 13, 2013, 05:58:49 PM
Everything in this game is YMMV.
true. That's why I don't want joed25 to freak out if he gets 2 pulls for business and personal, since there are definitely reports of that.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on May 13, 2013, 06:00:12 PM
IME, I got only one pull with both, Chase and Amex, when I applied for personal and business on the same day.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on May 13, 2013, 06:01:06 PM
true. That's why I don't want joed25 to freak out if he gets 2 pulls for business and personal, since there are definitely reports of that.
I hear what you're saying, but according to you we shouldn't give definite answers to people since they may not have the same results as us.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on May 13, 2013, 06:02:13 PM
I hear what you're saying, but according to you we shouldn't give definite answers to people since they may not have the same results as us.
depends on the situation. You can say more likely A but B also happens, so the guy knows his risks.
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on May 19, 2013, 11:05:15 PM
How do I find out when exactly a CC was opened?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on May 19, 2013, 11:06:08 PM
How do I find out when exactly a CC was opened?

Call and ask?
Title: Re: Questions and Help for BEGINNERS!
Post by: judahk88 on May 19, 2013, 11:08:40 PM
Call and ask?
I was wondering if there is a way to do it online. sorry should have wrote that.
Title: Re: Questions and Help for BEGINNERS!
Post by: Matovu on May 19, 2013, 11:13:58 PM
I appllied for a business card recently ( i do have a few) and i get an email that there was a credit inquiry ....
I thought a buisiness card does not affect my personal credit report.
Help
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on May 19, 2013, 11:16:02 PM
I appllied for a business card recently ( i do have a few) and i get an email that there was a credit inquiry ....
I thought a buisiness card does not affect my personal credit report.
Help

It still pulls your credit though.
Title: Re: Questions and Help for BEGINNERS!
Post by: Matovu on May 19, 2013, 11:22:15 PM
It still pulls your credit though.

So sorry for asking again.
Is the big deal only if i kill the credit line on the card, by not paying back, not going to AFFECT my credit ?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on May 19, 2013, 11:37:13 PM
So sorry for asking again.
Is the big deal only if i kill the credit line on the card, by not paying back, not going to AFFECT my credit ?
Business cards do not count towards your personal credit for utilization purposes.

It will require a hard pull on your personal report when you apply, and it'll show up on your report if you pay late/charge off etc.
Title: Re: Questions and Help for BEGINNERS!
Post by: birne on May 20, 2013, 02:34:15 AM
Business cards do not count towards your personal credit for utilization purposes.

It will require a hard pull on your personal report when you apply, and it'll show up on your report if you pay late/charge off etc.
+1
Title: Re: Questions and Help for BEGINNERS!
Post by: dsw193 on May 20, 2013, 01:27:48 PM
does a cash advance by citi count toward minimum spend to get bonus?
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on May 20, 2013, 01:42:38 PM
does a cash advance by citi count toward minimum spend to get bonus?
Dont know citi specifically but chase amex and cap 1 do not count this towards minimum spending
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on May 26, 2013, 01:08:54 PM
What is the trick to get offered 50k bonus for the United card once you have miles in your account?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on May 26, 2013, 01:15:26 PM
What is the trick to get offered 50k bonus for the United card once you have miles in your account?
Deposit 1k UR into the UA account.
Don't know if it still works.

Its totally unnecessary bec they match via sm.


Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on May 26, 2013, 01:19:57 PM
Deposit 1k UR into the UA account.
Don't know if it still works.

Its totally unnecessary bec they match via sm.
And via SM it's 55K+$50.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on May 26, 2013, 01:34:30 PM
And via SM it's 55K+$50.
Never did like SM but I guess I will go that route. Does it work for business also? Should I throw in another bold/plus while I am at it?

Does Dan have links for these?  :)
j/k
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on May 26, 2013, 01:36:40 PM
You can get 50k + $50 for business.
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on May 26, 2013, 01:48:41 PM
Never did like SM but I guess I will go that route. Does it work for business also? Should I throw in another bold/plus while I am at it?

Does Dan have links for these?  :)
j/k
No reason at all not to try for a 3bm.
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on May 26, 2013, 02:13:17 PM
You can get 50k + $50 for business.

Also via sm?
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on May 26, 2013, 02:19:01 PM
Also via sm?
yes
Title: Re: Questions and Help for BEGINNERS!
Post by: dsw193 on May 26, 2013, 02:47:42 PM
Can a congregation have credit cards?
Title: Re: Questions and Help for BEGINNERS!
Post by: birne on May 26, 2013, 02:57:16 PM
Can a congregation have credit cards?
Yes,  but if they don't have a credit history then they will ask you for your SS# to back it
Title: Re: Questions and Help for BEGINNERS!
Post by: Twin on May 26, 2013, 02:59:08 PM
Yes,  but if they don't have a credit history then they will ask you for your SS# to back it
How can a congregation have a credit history??
Title: Re: Questions and Help for BEGINNERS!
Post by: birne on May 26, 2013, 03:25:03 PM
How can a congregation have a credit history??
mortgage, utility bills, being around for a many years...
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on May 26, 2013, 03:27:03 PM
mortgage, utility bills, being around for a many years...
And applying for a credit card with a social and making payments ...
Therefore creating a credit history Just like a business with a tax I'd #
Title: Re: Questions and Help for BEGINNERS!
Post by: ckmk47 on May 28, 2013, 09:54:28 AM
How do I find out when exactly a CC was opened?

I click to see my statements.  Statements only go back as far as you have the account open. :)

Of course, this doesn't give you the exact date.
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on May 28, 2013, 10:23:11 AM
I click to see my statements.  Statements only go back as far as you have the account open. :)

Of course, this doesn't give you the exact date.
u can call the number on the back of your card and they will provide u  the exact date
Title: Re: Questions and Help for BEGINNERS!
Post by: CHAIM999 on May 28, 2013, 02:51:35 PM
Hi, i just start to be a Dens fan,

I am just confusing w/ so much information into one roof its amazing,

I did similar in the past (10 years ago), not with points, but with Bank / Credit card in general,
I had a checking account w/ 6% interest, no minimum no fee, checks cleared over night, prepaid envelopes for deposit, i was able to transfer money in one day from one bank to another w/ no charge  (today its available every where) today's days it is not applicable any more,
Staples /office max /quill always paid me for shopping, by rebates, and Coupons, and so on,
citi had then a bill pay when funded from a city cc, it was as a purchases not cash, so u earned points, w/ no interest


I want to add my experience and charts i had then which i never update it fully, to the appropriate location, but it is to much to read, and i don't know what is still applicable, so i decided to write it into the BEGINNERS Forum, what i had then and others will help with updating whats still applicable, and where it is the proper place to post it, or where there is already a post or chart for that.

1) I had a chart each credit card minimum req. income for approval, so i don't get a pull for nothing, (even when you have good report, and history)

2) for beginners, i used to advise to open Student cards and not reporting income, as it was not necessary, and got $200-500 credit line, after a 3 months to call in to upgrade w/o doing a hard pull (it was an option by most companies to increase just w/ a soft pull), by then they asked for income, and it was upgrade based on income, not as student,

3) i had a list of Student Cards, dos days, was Citi, Discover, Sallie may, Usaa, (see  latter for all other benefits from Usaa), and so on.

4) it was an option with most companies to increase once in a wile credit line w/o an hard pull, some where 3 months, and some 6 months, and i had a chart and used to call avrey 3 - 6 months, looks like it is not an option any more, could some one advice.

5) i had a chart for the following, application are denied for to many inquires on the report, but not all r the same, some where 3 in 3 months, some where 4 in 6 months.

6) benefits of USAA, (as it was then, i didn't verify current) it is a bank w/ a lot of services mainly for Military Personal, but most services is available for the public, its only i Tx, so they provide services by mail,
its a big benefit for dos they don't have a car and / or internet, (and don't want to go in banks)i used to give it for Kolel Yingerleit,
You could open an account by mail, they provide you with prepaid deposit envelopes, also w/ ups drop envelopes, it takes only 2 days in regular mail from NY,
you could add other bank accounts into the system for transfer by application via mail, when you want to do lets say a  transfer from chase into citi, you transfer from chase to usaa, and before you put down the phone, just go back to main menu it is already @ usaa, now u continue to send it to citi, so in 2 days it showed up int cit from chase.
an other big benefit that u could over draft your checking account w/ a usaa cc for no charge and there is no per draft fee (other banks even when there is no transaction charge there is still some over draft charge), and it is only %10 apr
so i have all my minimums charged to my Usaa Checking account which has minimum money, and it over drafts from the cc, and allways when i get my pay check i pay off some of the credit card, so i only pay on place, and i don't have to keep track of each payment, and i don't have any high checking account balance which will conflict w/ Gov. services.
all usaa members (its automatic if u have any any account) are exempt of min. 25 yr. for Hertz/Avis/Budget.
i had better car rental deals w/ Usaa cpd# then Amex

6) a list of other benefits from cards, as a photo id on a cc, citi as a card for that, and Usaa u could have your photo and signature like a Non Drivers ID,

7) a list of which cc covers cwd for 15 days / 30 days

8- a chart for Roadside  Assistance differences, Visa, MC, American express doesn't have the same for all cards either.

will continue at an other time w/ the office supplice stores tricks

Title: Re: Questions and Help for BEGINNERS!
Post by: avadah on May 31, 2013, 02:30:35 AM
Is a SM just a glorified e-mail?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on May 31, 2013, 06:52:03 AM
Is a SM just a glorified e-mail?
Secure.
Title: Re: Questions and Help for BEGINNERS!
Post by: avadah on May 31, 2013, 07:50:23 AM
But it's really just a way to send a message to the company. What do I write to get matched for more miles?
Title: Re: Questions and Help for BEGINNERS!
Post by: glasses dude on May 31, 2013, 08:50:47 AM
But it's really just a way to send a message to the company. What do I write to get matched for more miles?
write that your colleague/cousin got the better offer,could they match the terms of that offer for you
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on June 02, 2013, 06:37:52 PM
Do UAMPE cardholders have access to IN or JN class?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on June 02, 2013, 06:47:55 PM
Do UAMPE cardholders have access to IN or JN class?
No, only XN.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on June 02, 2013, 07:20:03 PM
Thanks.

Now tell me if that's gonna work:
I use an empty 1k account to hold it, then call with the confirmation # to book out of a junk account.

Am I good?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on June 02, 2013, 07:40:54 PM
YMMV
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on June 02, 2013, 07:54:13 PM
Thanks.

Now tell me if that's gonna work:
I use an empty 1k account to hold it, then call with the confirmation # to book out of a junk account.

Am I good?
I've seen better ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 05, 2013, 01:48:25 PM
Is using a Bluebird card a good idea for booking a Hyatt night for someone else with if there's no money in the account?
Title: Re: Questions and Help for BEGINNERS!
Post by: benellis7 on June 06, 2013, 02:03:30 AM
What happened to the "start a new thread" button? I don't see it anywhere.
Title: Re: Questions and Help for BEGINNERS!
Post by: real-brisker on June 06, 2013, 02:37:44 AM
What happened to the "start a new thread" button? I don't see it anywhere.
Great question.
20 Posts to go.
BTW what is the topic you wanna start, maybe we can direct?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 06, 2013, 07:19:27 AM
BTW what is the topic you wanna start, maybe we can direct?
...or just PM me and I will start if for you.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 06, 2013, 07:20:36 AM
Can you search for members posts within a thread?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on June 06, 2013, 07:28:46 AM
Can you search for members posts within a thread?
The only way I found is ctrl+f the members name on each page (not perfect but the best I found)
Title: Re: Questions and Help for BEGINNERS!
Post by: chaya on June 07, 2013, 04:33:53 PM
how do i start a new topic on this website????
I would like to know if anyone knows a way to get a free serial code for photoshop cs6
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on June 07, 2013, 05:10:04 PM
The only way I found is ctrl+f the members name on each page (not perfect but the best I found)
Click "Print" and then you will be able to view the entire thread on one page which will make that a lot easier.
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on June 07, 2013, 05:26:11 PM
how do i start a new topic on this website????
I would like to know if anyone knows a way to get a free serial code for photoshop cs6
21 posts to go.
Title: Re: Questions and Help for BEGINNERS!
Post by: dbgcke on June 09, 2013, 07:15:55 PM
Hi
I recently applied to chase using 2 browsers for the chase ink and bold business cards.
I got declined, they said too many credit requests/too many accounts.
I have no business cards with chase. I thought you can do the 2 /3/4 browser bit and it should not be a problem and I thought you always get approved for business cards!!
What do I do?
Please advise.
Thank you
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on June 09, 2013, 07:24:12 PM
Hi
I recently applied to chase using 2 browsers for the chase ink and bold business cards.
I got declined, they said too many credit requests/too many accounts.
I have no business cards with chase. I thought you can do the 2 /3/4 browser bit and it should not be a problem and I thought you always get approved for business cards!!
What do I do?
Please advise.
Thank you
there is no such thing as a guaranteed approval , besides u should be able to call chase and reconsider for an approval ..
It's simple .. Just be aware they will ask u questions abt your business ... And optimism is allowed , assuming revenue and sales is fine ..
Another tip when calling refer to one card at a time ad understand the benefit and explain why it's important or your business . Never mention the sign up offer .

Best of luck
Title: Re: Questions and Help for BEGINNERS!
Post by: dbgcke on June 09, 2013, 07:41:25 PM
Thank you for that.
Can I apply again this time one at a time or chase wont allow that for a period of time?
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on June 09, 2013, 07:42:15 PM
How do I check my credit score?
Edit: Just found this (http://www.dansdeals.com/archives/27543). Is that it?
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on June 09, 2013, 07:47:21 PM
Thank you for that.
Can I apply again this time one at a time or chase wont allow that for a period of time?
dont reapply reconsider one at a time
Title: Re: Questions and Help for BEGINNERS!
Post by: dbgcke on June 09, 2013, 07:54:27 PM
Thank you will do that.
Title: Re: Questions and Help for BEGINNERS!
Post by: dbgcke on June 09, 2013, 08:01:43 PM
EMES
What is the reconsider number for chase?
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on June 09, 2013, 08:17:37 PM
EMES
What is the reconsider number for chase?
(800) 432-3117 in the future u can google this
Title: Re: Questions and Help for BEGINNERS!
Post by: birne on June 10, 2013, 02:32:51 AM
How do I check my credit score?
Edit: Just found this (http://www.dansdeals.com/archives/27543). Is that it?
you can also you credit karma.com
Title: Re: Questions and Help for BEGINNERS!
Post by: dbgcke on June 10, 2013, 03:28:12 PM
SMALL BUSINESS SATURDAY QUESTION
I know its early however I have some annual fees approaching.
I asked AMEX and they said I could create as many users under my accounts as I want (I did not ask them about registering the users for SBS).
How many cards can I actually register for small business saturday??
Is it unlimited?
Thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: real-brisker on June 10, 2013, 03:32:39 PM
Which card. Not all cards give an AU a sifferent #.
Title: Re: Questions and Help for BEGINNERS!
Post by: torahscholar on June 10, 2013, 04:03:30 PM
i cant seem to be able to start a new thread is anyone else experiencing this?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on June 10, 2013, 04:17:02 PM
i cant seem to be able to start a new thread is anyone else experiencing this?
What is it that you would like to start a thread about?

Maybe we can direct you to an already existing thread.
Title: Re: Questions and Help for BEGINNERS!
Post by: real-brisker on June 10, 2013, 04:24:01 PM
Why the Wiki?
Title: Re: Questions and Help for BEGINNERS!
Post by: torahscholar on June 10, 2013, 06:01:16 PM
What is it that you would like to start a thread about?

Maybe we can direct you to an already existing thread.

basically i had a technical question to in regard to auto-complete on outlook ( it stopped working  when i was toggling with some setting...)





Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 10, 2013, 06:06:20 PM
AA doesn't have expanded awards online.
What is expanded awards?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 10, 2013, 06:08:21 PM
What is expanded awards?
Better availability.
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on June 10, 2013, 06:12:36 PM
i cant seem to be able to start a new thread is anyone else experiencing this?

New rule, you have to have status to make a new thread..


I've taken care of #1, you now need elite status to start a thread on DDF.

Title: Re: Questions and Help for BEGINNERS!
Post by: beebauman on June 10, 2013, 08:16:09 PM
How do I achieve elite status?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 10, 2013, 08:16:37 PM
How do I achieve elite status?
make 25 posts.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 10, 2013, 08:20:34 PM
Can you help me get there? I think this is #16.
I will graciously report this post to mods and reword my post as you need to make 25 useful posts as non useful ones will be deleted.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on June 11, 2013, 02:37:54 AM
I will graciously report this post to mods and reword my post as you need to make 25 useful posts as non useful ones will be deleted.
he is almost there. Mr baumen, like i always say, don't listen to the naysayers. Jj doesn't really fully understand the amount of cra* you might just spew forth at post 25! Kol hakavode man! Ur so close. Don't give up. Like dwane wades commercial says...when u fall down 7 get up 8. I was never in your position but i can only imagine how hard it is for u!

Gluck.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 11, 2013, 02:40:38 AM
I will graciously report this post to mods and reword my post as you need to make 25 useful posts as non useful ones will be deleted.
If only this was true.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 11, 2013, 02:44:46 AM
If only this was true.
Like I said, more mods.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 11, 2013, 02:58:05 AM
Like I said, more mods.
What a mess it would be to decide a useful post or not.
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on June 11, 2013, 03:01:42 AM
What a mess it would be to decide a useful post or not.
or just start deleting more. But a huge mess it truly would be. Who knows, maybe i won't be able to start new threads then. :P ;D
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on June 11, 2013, 07:31:12 AM
Maybe we should start a "is it useful" thread...
Title: Re: Questions and Help for BEGINNERS!
Post by: beebauman on June 11, 2013, 09:21:45 AM
he is almost there. Mr baumen, like i always say, don't listen to the naysayers. Jj doesn't really fully understand the amount of cra* you might just spew forth at post 25! Kol hakavode man! Ur so close. Don't give up. Like dwane wades commercial says...when u fall down 7 get up 8. I was never in your position but i can only imagine how hard it is for u!

Gluck.
I appreciate the support.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 11, 2013, 09:31:55 AM
I've never used my ATM card before so I have some 'beginner' questions I'm hoping someone can answer.

Can you use an ATM bank card to take money out of an ATM worldwide or does it have to be a Debit Bank card?

I've always just carried Cash and credit but this summer I'd like to just take money out of the ATM with my Debit card.
What kind of ATM's would I be using to do so for instance in France?

Do certain banks have lower fees than others?
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on June 11, 2013, 09:48:31 AM
I've never used my ATM card before so I have some 'beginner' questions I'm hoping someone can answer.

Can you use an ATM bank card to take money out of an ATM worldwide or does it have to be a Debit Bank card?

I've always just carried Cash and credit but this summer I'd like to just take money out of the ATM with my Debit card.
What kind of ATM's would I be using to do so for instance in France?

Do certain banks have lower fees than others?

Any ATM card should work at any ATM.

Each bank has different fees, you should contact your bank and ask them, there may or may not be international transaction fees, non-bank ATM fee, as well as the ATM that you use might have a fee..
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on June 11, 2013, 09:53:15 AM
Any ATM card should work at any ATM.

Each bank has different fees, you should contact your bank and ask them, there may or may not be international transaction fees, non-bank ATM fee, as well as the ATM that you use might have a fee..
Add to that, foreign transaction fees.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 11, 2013, 10:15:00 AM
So with all those fees is it worth it still?
Title: Re: Questions and Help for BEGINNERS!
Post by: birne on June 11, 2013, 10:16:50 AM
Add to that, foreign transaction fees.
TD doesn't charge any foreign transaction fees, and if you have premier checking then it's also free to take out money from any ATM (otherwise it would be a $2 charge )
Title: Re: Questions and Help for BEGINNERS!
Post by: Zevwolf on June 11, 2013, 10:35:07 AM
Capital one doesn't have foreign transaction fees. If you take out a large amount at a time you just pay one time fee for the ATM than it might pay.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 11, 2013, 10:35:59 AM
Chase rep  just informed me taking money out costs just $5 or 3% whichever is higher. But the rep sounded a bit clueless. Can anyone confirm this ?
Title: Re: Questions and Help for BEGINNERS!
Post by: YM100 on June 11, 2013, 11:02:34 AM
How do I post a new topic?  I don't seem to have the New Topic button mentioned in the help section.  Thanks.
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on June 11, 2013, 11:11:03 AM
How do I post a new topic?  I don't seem to have the New Topic button mentioned in the help section.  Thanks.
What would you like to make a new topic about?
Most topics have already been discussed, just go to the Forums Homepage to search for it.
Title: Re: Questions and Help for BEGINNERS!
Post by: YM100 on June 11, 2013, 11:24:51 AM
What would you like to make a new topic about?
Most topics have already been discussed, just go to the Forums Homepage to search for it.

Dan - thank you very much for your assistance. 

I initially didn't want the following - http://forums.dansdeals.com/index.php?topic=8028.msg520002#msg520002 - to be under "Need A Card? DansDeals Credit Card Application Links And FAQ's," and I couldn't find something on topic.

Thanks again.
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on June 11, 2013, 12:17:13 PM
Dan - thank you very much for your assistance. 

I initially didn't want the following - http://forums.dansdeals.com/index.php?topic=8028.msg520002#msg520002 - to be under "Need A Card? DansDeals Credit Card Application Links And FAQ's," and I couldn't find something on topic.

Thanks again.
I have moved it to the correct thread here:
http://forums.dansdeals.com/index.php?topic=28388.msg520002#msg520002
Title: Re: Questions and Help for BEGINNERS!
Post by: Ergel on June 11, 2013, 12:21:51 PM
Fidelity doesn't charge a foreign exchange fee, or a fee to take out from other atm's and actually reimburses you the fee charged by that ATM
Title: Re: Questions and Help for BEGINNERS!
Post by: raphy781 on June 11, 2013, 12:26:04 PM
Where can I post a deal for the economist magazine?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 11, 2013, 01:48:50 PM
Where can I post a deal for the economist magazine?
In the deals thread?


Or if it's this deal than post here http://forums.dansdeals.com/index.php?topic=21004.msg318259#msg318259
Title: Re: Questions and Help for BEGINNERS!
Post by: raphy781 on June 11, 2013, 02:30:28 PM
In the deals thread?


Or if it's this deal than post here http://forums.dansdeals.com/index.php?topic=21004.msg318259#msg318259
Just wanted to make sure there wasn't a thread already....
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on June 11, 2013, 06:50:49 PM
Chase rep  just informed me taking money out costs just $5 or 3% whichever is higher. But the rep sounded a bit clueless. Can anyone confirm this ?
What type of account do you have?
My debit card, which is linked to a Premier Checking, doesn't get charged by Chase for non-Chase ATM transactions, (up to 4 per billing cycle) something you'd get charged on a regular Total Checking.

I still get charged by the bank who owns the ATM.
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on June 11, 2013, 08:40:15 PM
CMIIW but for those of us that have a USAA account ;), they will refund up to 10 ATM fees a month.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 11, 2013, 08:46:03 PM
What type of account do you have?
My debit card, which is linked to a Premier Checking, doesn't get charged by Chase for non-Chase ATM transactions, (up to 4 per billing cycle) something you'd get charged on a regular Total Checking.

I still get charged by the bank who owns the ATM.

What about for international ATMs? Sorry I should have specified.
Title: Re: Questions and Help for BEGINNERS!
Post by: robesrones on June 16, 2013, 07:17:39 AM
is it allowed by halacha to sell aa miles if they've shown that they dont like it?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on June 16, 2013, 08:30:09 AM
is it allowed by halacha to sell aa miles if they've shown that they dont like it?

They don't just not like it, according to the T and Cs you can't.
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on June 16, 2013, 05:23:24 PM
is it allowed by halacha to sell aa miles if they've shown that they dont like it?
depends who you ask and this is not the right thread.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 16, 2013, 05:36:37 PM
depends who you ask and this is not the right thread.
lol, that's a silly comment I'm the question for begginers thread.

Title: Re: Questions and Help for BEGINNERS!
Post by: Shlomo Zalman on June 17, 2013, 12:26:34 AM
How can I start a NEW TOPIC in Dan's Deals Forums?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on June 17, 2013, 12:35:26 AM
How can I start a NEW TOPIC in Dan's Deals Forums?
What is it that you would like to start a topic about?
Title: Re: Questions and Help for BEGINNERS!
Post by: Shlomo Zalman on June 17, 2013, 12:40:49 AM
About Lycamobile in the Tech forum.

Do I need to ask a mod anytime I want to start a topic?
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on June 17, 2013, 01:51:09 AM
How can I start a NEW TOPIC in Dan's Deals Forums?
you can't untill you hit 25 posts
Title: Re: Questions and Help for BEGINNERS!
Post by: Shlomo Zalman on June 17, 2013, 02:18:51 AM
Can that requirement be waived?
Title: Re: Questions and Help for BEGINNERS!
Post by: Shlomo Zalman on June 17, 2013, 02:20:28 AM
Is elite/platinum status based on anything other than number of posts?
Title: Re: Questions and Help for BEGINNERS!
Post by: Shlomo Zalman on June 17, 2013, 02:22:09 AM
Is there a setting where I can have any replies made to me be emailed to me? (Not just a notification but the actual reply.)
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on June 17, 2013, 02:25:31 AM
Can that requirement be waived?
pm count Valentine
Is elite/platinum status based on anything other than number of posts?
no
Is there a setting where I can have any replies made to me be emailed to me? (Not just a notification but the actual reply.)
not that i know of
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on June 17, 2013, 02:25:43 AM
Is there a setting where I can have any replies made to me be emailed to me? (Not just a notification but the actual reply.)
+1. Just an FYI though, make sure that the setting 'When sending notification of a reply to a topic, send the post in the email (but please don't reply to these emails.)' is checked on this (http://forums.dansdeals.com/index.php?action=profile;area=notification) page.
Title: Re: Questions and Help for BEGINNERS!
Post by: Shlomo Zalman on June 17, 2013, 02:28:05 AM
How do I pm count valentine?
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on June 17, 2013, 02:32:20 AM
How do I pm count valentine?
forums.dansdeals.com/index.php?action=pm;sa=send;u=8450
Title: Re: Questions and Help for BEGINNERS!
Post by: Shlomo Zalman on June 17, 2013, 02:46:49 AM
Thank you.
Title: Re: Questions and Help for BEGINNERS!
Post by: Shlomo Zalman on June 17, 2013, 03:02:29 AM
Btw, what other features become enabled as you make more posts? Or is the ability to start a new topic the only one?
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on June 17, 2013, 06:10:41 AM
Btw, what other features become enabled as you make more posts? Or is the ability to start a new topic the only one?
you'll find out. ;) ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on June 17, 2013, 06:29:27 AM
Btw, what other features become enabled as you make more posts? Or is the ability to start a new topic the only one?
correct only to start a topic
Title: Re: Questions and Help for BEGINNERS!
Post by: raphy781 on June 17, 2013, 08:59:09 AM
correct only to start a topic
Avatars!??!
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 17, 2013, 02:20:36 PM
About Lycamobile in the Tech forum.

Do I need to ask a mod anytime I want to start a topic?
You going to start the thread?  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: Lou Bob on June 17, 2013, 02:24:20 PM
About Lycamobile in the Tech forum.

Do I need to ask a mod anytime I want to start a topic?
yes!!!!!!  :D
Title: Re: Questions and Help for BEGINNERS!
Post by: Shlomo Zalman on June 17, 2013, 02:46:28 PM
You going to start the thread?  ;)
Yeah, finally after posting 20 silly questions across various threads for this purpose, I have willfully reached the 25 post milestone allowing me to post my own thread.

Now how do I make that winky face here?
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on June 17, 2013, 02:49:00 PM
Yeah, finally after posting 20 silly questions across various threads for this purpose, I have willfully reached the 25 post milestone allowing me to post my own thread.

Now how do I make that winky face here?
???
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on June 17, 2013, 03:01:17 PM
Yeah, finally after posting 20 silly questions across various threads for this purpose, I have willfully reached the 25 post milestone allowing me to post my own thread.

Now how do I make that winky face here?

Paging CV
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 17, 2013, 03:04:08 PM
Paging CV
What's the question?  ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) :P
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 17, 2013, 03:07:00 PM
Yeah, finally after posting 20 silly questions across various threads for this purpose, I have willfully reached the 25 post milestone allowing me to post my own thread.
Congrats! Glad you found a way around the T&C's.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on June 17, 2013, 03:07:29 PM
What's the question?  ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) :P
I wish to file a bug report :P
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 17, 2013, 03:09:11 PM
What chase personal cards can and can not be downgraded to a freedom card?

When a card is downgraded the original account is still kept in tact correct? i.e. I have an old card with good history that will stay even though the card was downgraded.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on June 17, 2013, 03:44:49 PM
Correct ^
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 17, 2013, 03:45:57 PM
Correct ^
Can the MPE card be downgraded. It's my oldest card and seems like it is very hard to churn...
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on June 17, 2013, 05:18:34 PM
What's the question?  ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) ;) :P
That! >:( (http://forums.dansdeals.com/index.php?topic=29998.msg525006#new)
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on June 17, 2013, 06:31:46 PM
Can the MPE card be downgraded. It's my oldest card and seems like it is very hard to churn...
Yes.
My mother has a UA card that earns 1 mile per 2 dollars spent. No annual fee. Downgraded from regular UAMPE.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 17, 2013, 10:35:46 PM
Yes.
My mother has a UA card that earns 1 mile per 2 dollars spent. No annual fee. Downgraded from regular UAMPE.
Cool. Thank you!

So does downgrading all my cards before a churn make sense? i.e. I am applying for a SP and MPE so I will downgrade all my current ones of those.
Title: Re: Questions and Help for BEGINNERS!
Post by: bsimcha on June 18, 2013, 10:52:32 AM
I did a 3bm 2 months ago sapphire,ba and United got all 3, almost finished the
spending threshold and wanted to do another one like amex citi etc, do I
have to wait and should I do aop at all banks at same time?

Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on June 18, 2013, 01:02:40 PM
If I have one email address connected to two different chase checking accounts where does money go to and from when QP'ing?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on June 18, 2013, 01:05:34 PM
If I have one email address connected to two different chase checking accounts where does money go to and from when QP'ing?
I don't think the email on file has anything to do with your qp email address. CMIIW.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on June 18, 2013, 01:13:32 PM
I don't think the email on file has anything to do with your qp email address. CMIIW.
So when someone wants to QP me...which account will it go into?  The main (and only) thing you need is email address.
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on June 18, 2013, 01:51:42 PM
I don't think the email on file has anything to do with your qp email address. CMIIW.
-1
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on June 18, 2013, 02:14:40 PM
So when someone wants to QP me...which account will it go into?  The main (and only) thing you need is email address.
When you activate your account for QP, you have to link it to a email address.
It wont allow you to link it to an address already taken.
Your contact email on file for chase.com has nothing to do with QP.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on June 18, 2013, 02:37:57 PM
-1
Really?

It seems that meshugener agrees with me

Your contact email on file for chase.com has nothing to do with QP.
Title: Re: Questions and Help for BEGINNERS!
Post by: bsimcha on June 18, 2013, 02:42:08 PM
I did a 3bm 2 months ago sapphire,ba and United got all 3, almost finished the
spending threshold and wanted to do another one like amex citi etc, do I
have to wait and should I do aop at all banks at same time?
Am I in the wrong tread?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on June 18, 2013, 03:15:34 PM
When you activate your account for QP, you have to link it to a email address.
It wont allow you to link it to an address already taken.
Your contact email on file for chase.com has nothing to do with QP.
Really?

It seems that meshugener agrees with me


Thanks.  Can the email address connected to QP ever be changed?
Title: Re: Questions and Help for BEGINNERS!
Post by: joey123 on June 19, 2013, 06:01:49 PM
I applied and was approved for two chase personal cards on April 28th (around 7 weeks ago). I am now interested in applying for the Chase Ink Bold and Ink Plus (2BM) Business card.

Is this advisable or do i need to wait more time to apply for another card from chase?

I have these 2 active cards with chase and one citi card. I have have a 15-20 year credit history and have excellent credit.

Please advise.
Title: Re: Questions and Help for BEGINNERS!
Post by: Racer7400 on June 19, 2013, 06:25:05 PM
If I want to apply for the ink bold/plus using a Kollel as the business what do I write as the amount of revenue and how much the business makes?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 19, 2013, 06:27:33 PM
I applied and was approved for two chase personal cards on April 28th (around 7 weeks ago). I am now interested in applying for the Chase Ink Bold and Ink Plus (2BM) Business card.

Is this advisable or do i need to wait more time to apply for another card from chase?

I have these 2 active cards with chase and one citi card. I have have a 15-20 year credit history and have excellent credit.

Please advise.
No good reason not to. GL!

If I want to apply for the ink bold/plus using a Kollel as the business what do I write as the amount of revenue and how much the business makes?
Depends on your morals, but you can I think morally put down however much money is donated to the kolel every year.
Title: Re: Questions and Help for BEGINNERS!
Post by: Racer7400 on June 19, 2013, 06:38:09 PM
Depends on your morals, but you can I think morally put down however much money is donated to the kolel every year.
thanx.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 19, 2013, 06:40:26 PM
thanx.
Fair warning- if you have to go to reconsideration, they may ask you what the total profit is, just have a story ready.
Title: Re: Questions and Help for BEGINNERS!
Post by: Racer7400 on June 19, 2013, 09:26:07 PM
Fair warning- if you have to go to reconsideration, they may ask you what the total profit is, just have a story ready.
even if I put down a non-profit organization?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 19, 2013, 09:28:27 PM
even if I put down a non-profit organization?
I don't have any experience with that.
Title: Re: Questions and Help for BEGINNERS!
Post by: Racer7400 on June 19, 2013, 09:34:31 PM
I don't have any experience with that.
k thanx anyway.
Title: Re: Questions and Help for BEGINNERS!
Post by: raf on June 20, 2013, 11:10:11 AM
i would like to start signing up for a few cc (with 3 or 4 bm)what are the best cards to start with (i have good credit just never did all of this) thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 20, 2013, 11:12:27 AM
i would like to start signing up for a few cc (with 3 or 4 bm)what are the best cards to start with (i have good credit just never did all of this) thanks
Check out the app-o-rama thread and you should be able to get some good ideas.

It depends what you are looking to get.

Do you want to fly, or stay in hotels, or sell the points etc.

Also you have 0 CC's?
Title: Re: Questions and Help for BEGINNERS!
Post by: raf on June 20, 2013, 11:16:23 AM
Check out the app-o-rama thread and you should be able to get some good ideas.

It depends what you are looking to get.

Do you want to fly, or stay in hotels, or sell the points etc.

Also you have 0 CC's?
i have 2 + a few store cards
sell the points
Title: Re: Questions and Help for BEGINNERS!
Post by: jeff93 on June 20, 2013, 11:33:10 AM
i just got the AmEx gold and platinum cards. Is there a limit t how much i should "spend" every month on vanilla cards etc.?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 20, 2013, 11:35:25 AM
i have 2 + a few store cards
sell the points
To sell you'll want UR so I'd suggest the 2 ink cards which have 60K bonus right now, and a sapphire preffered card. Then I'd also do the United card. You can choose a 3rs card for the chase personal, but that's your call.

Amex I guess do starwood and gold or platinum or both. Just look for the highest sign up offer.

This also depends how much you are able to spend to meet sign up bonuses.
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 20, 2013, 11:35:57 AM
i just got the AmEx gold and platinum cards. Is there a limit t how much i should "spend" every month on vanilla cards etc.?
Why would there be?
Title: Re: Questions and Help for BEGINNERS!
Post by: jeff93 on June 20, 2013, 11:38:17 AM
so the only limit to how many points i can get is how many cards are in the store?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 20, 2013, 11:40:40 AM
so the only limit to how many points i can get is how many cards are in the store?
They will only allow you to buy a certain amount in the store, and how will you pay the CC bill?

ETA- see this thread http://forums.dansdeals.com/index.php?topic=21024.0
Title: Re: Questions and Help for BEGINNERS!
Post by: jeff93 on June 20, 2013, 11:44:43 AM
thanx for the help! :)
Title: Re: Questions and Help for BEGINNERS!
Post by: raf on June 20, 2013, 11:45:34 AM
To sell you'll want UR so I'd suggest the 2 ink cards which have 60K bonus right now, and a sapphire preffered card. Then I'd also do the United card. You can choose a 3rs card for the chase personal, but that's your call.

Amex I guess do starwood and gold or platinum or both. Just look for the highest sign up offer.

This also depends how much you are able to spend to meet sign up bonuses.
whats 3rs card
also how many cards should i do at once
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 20, 2013, 11:49:59 AM
whats 3rs card
also how many cards should i do at once
*face palm* I meant 3rd card.

Like I said checkout this (http://forums.dansdeals.com/index.php?topic=16024.0) thread to get an idea of what and how may cards you should apply for at once.

If you want to go all out I'd suggest 3 Chase personal, 3 Chase business, 3 Amex personal, 3 Amex business, 3 Barclay cards, 3 Bofa cards (if there are that many with sign up miles offers nowadays), and a couple Citi cards.
Title: Re: Questions and Help for BEGINNERS!
Post by: raf on June 20, 2013, 11:57:23 AM
*face palm* I meant 3rd card.

Like I said checkout this (http://forums.dansdeals.com/index.php?topic=16024.0) thread to get an idea of what and how may cards you should apply for at once.

If you want to go all out I'd suggest 3 Chase personal, 3 Chase business, 3 Amex personal, 3 Amex business, 3 Barclay cards, 3 Bofa cards (if there are that many with sign up miles offers nowadays), and a couple Citi cards.
thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: bizz on June 21, 2013, 04:34:28 PM
Hey,

My mom heard from her friends how valuable and rewarding it is to have certain credit cards because of the miles and other benefits.
And of course it landed on her son to figure it out.

For my mom: shes looking for a regular credit card (non business) with good benefits, and has 1. low annual fee for the card and 2. no credit charge when the monthly payment is paid in full.

For myself: I'm a student, and currently i have a debit card which means i dont have a established credit yet.
I was wondering which card would be good to establish credit and still get rewards.

TIA
Title: Re: Questions and Help for BEGINNERS!
Post by: nathan13 on June 23, 2013, 12:15:00 AM
I would like to post but when I go into up in the air all I see is notify and mark read I don't see new topic any reason?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on June 23, 2013, 12:18:49 AM
I would like to post but when I go into up in the air all I see is notify and mark read I don't see new topic any reason?
What is it that you would like to start a topic about?
Maybe we can direct you to an already existing thread.
Title: Re: Questions and Help for BEGINNERS!
Post by: nathan13 on June 23, 2013, 05:02:02 AM
I can find topics that's not the problem, just asking why I don't see the option new topic, if you go to help and check how to post it says that at the top of each page there is the option to start NEW TOPIC and I don't see that option.
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on June 23, 2013, 06:06:05 AM
I can find topics that's not the problem, just asking why I don't see the option new topic, if you go to help and check how to post it says that at the top of each page there is the option to start NEW TOPIC and I don't see that option.

You have to have elite status to make a new topic. Minimum posts to the first tier elite status is 25 posts.
Title: Re: Questions and Help for BEGINNERS!
Post by: nathan13 on June 24, 2013, 12:43:50 AM
Thank you. That explains
Title: Re: Questions and Help for BEGINNERS!
Post by: birne on June 24, 2013, 06:16:59 AM
You have to have elite status to make a new topic. Minimum posts to the first tier elite status is 25 posts.
someone please just add this to the wiki!
Title: Re: Questions and Help for BEGINNERS!
Post by: Racer7400 on June 24, 2013, 09:26:53 AM
Hey,

My mom heard from her friends how valuable and rewarding it is to have certain credit cards because of the miles and other benefits.
And of course it landed on her son to figure it out.

For my mom: shes looking for a regular credit card (non business) with good benefits, and has 1. low annual fee for the card and 2. no credit charge when the monthly payment is paid in full.

For myself: I'm a student, and currently i have a debit card which means i dont have a established credit yet.
I was wondering which card would be good to establish credit and still get rewards.

TIA
for your mom IMO I would say to try the SPG or the freedom among many other great cards. For more info on what cards are good for what, check out the threads stickied on the top of the credit card section.
For you look at the wiki at the top of  this (http://forums.dansdeals.com/index.php?topic=266) thread.
Title: Re: Questions and Help for BEGINNERS!
Post by: Yeki89 on June 24, 2013, 09:29:15 AM
IMHO this thread should be in JS.
It is covered with nOObs post padding, asking the same question is 6 different ways repeating themselves asking can someone please answer me

#my2cents
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 24, 2013, 07:32:50 PM
Went for two cards Plus/UA Business. One says 7-10 days and the other approved. Anyway to know which is which?
Title: Re: Questions and Help for BEGINNERS!
Post by: A European on June 24, 2013, 08:29:52 PM
Went for two cards Plus/UA Business. One says 7-10 days and the other approved. Anyway to know which is which?
Yes.
Check on the recording of the  approved CC how much is the APR %,
If it's 13.24 so it is the INK.
If it's 15.24 so it is the UA.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 25, 2013, 09:56:12 AM
Yes.
Check on the recording of the  approved CC how much is the APR %,
If it's 13.24 so it is the INK.
If it's 15.24 so it is the UA.
TY! It was the Plus card.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on June 25, 2013, 11:23:31 AM
Yes.
Check on the recording of the  approved CC how much is the APR %,
If it's 13.24 so it is the INK.
If it's 15.24 so it is the UA.

Wow. Nice chap.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on June 25, 2013, 03:19:40 PM
Yes.
Check on the recording of the  approved CC how much is the APR %,
If it's 13.24 so it is the INK.
If it's 15.24 so it is the UA.
How about the 7-10 day message. Any meaning to that (good or bad)?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on June 25, 2013, 03:22:35 PM
How about the 7-10 day message. Any meaning to that (good or bad)?
Generally, bad.
Title: Re: Questions and Help for BEGINNERS!
Post by: bizz on June 26, 2013, 03:37:43 PM
thanks!

for your mom IMO I would say to try the SPG or the freedom among many other great cards. For more info on what cards are good for what, check out the threads stickied on the top of the credit card section.
For you look at the wiki at the top of  this (http://forums.dansdeals.com/index.php?topic=266) thread.
Title: Re: Questions and Help for BEGINNERS!
Post by: mgarfin on June 27, 2013, 06:28:42 PM
Can't find this info I know its here but cant find it

How many AU can I add to AMEX and what's the cost?
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on June 27, 2013, 06:48:28 PM
Can't find this info I know its here but cant find it

How many AU can I add to AMEX and what's the cost?
i believe 99 although def not a good idea, and the cost depends on the card but most are free but platinum charges 175 for up to 4 
Title: Re: Questions and Help for BEGINNERS!
Post by: mgarfin on June 28, 2013, 03:36:56 PM
i believe 99 although def not a good idea, and the cost depends on the card but most are free but platinum charges 175 for up to 4
so in preparation for small biz friday

99*25=$2475
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on June 28, 2013, 06:28:56 PM
so in preparation for small biz friday

99*25=$2475
Runs a huge FR risk. But if you have 99 SS#'s it's probably safer. Even so runs a big risk.
Title: Re: Questions and Help for BEGINNERS!
Post by: jeff93 on June 30, 2013, 12:03:45 AM
i just got a few amex cards (blue, gold, platinum) using the 3bm. I have been doing quite abit of spending on these cards at CVS with Myvanilla and netspend. Is there a limit i should do per day/week/month before either AmEx or Myvanilla/Netspend get suspicious?
Title: Re: Questions and Help for BEGINNERS!
Post by: hesup on June 30, 2013, 12:58:28 AM
Hi
I have 120k American express business
100k chase business bold
50k southwest  rapid rewards business
I want to fly to Miami with family. what's the best way to go with mileage air and car rental?
thanks for your help i'm just a bit out of this all 
Title: Re: Questions and Help for BEGINNERS!
Post by: rots5 on July 01, 2013, 02:03:07 AM
Hi
I have 120k American express business
100k chase business bold
50k southwest  rapid rewards business
I want to fly to Miami with family. what's the best way to go with mileage air and car rental?
thanks for your help i'm just a bit out of this all 
try here. and good luck!
http://forums.dansdeals.com/index.php?topic=7986.0;topicseen
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 01, 2013, 04:10:17 PM
My wife only has a Freedom card and I want to transfer my UR points to her. If she gets a Bold/Plus card will all her UR points be combined?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 01, 2013, 04:22:41 PM
My wife only has a Freedom card and I want to transfer my UR points to her. If she gets a Bold/Plus card will all her UR points be combined?
You will be able to transfer them from the freedom to the Ink
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 01, 2013, 04:27:25 PM
You will be able to transfer them from the freedom to the Ink
So she will end up with two separate UR accounts?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 01, 2013, 04:29:11 PM
So she will end up with two separate UR accounts?
Yes.  With every Chase card you get (i.e. SP, Freedom, Ink...not United etc.) you will have a new UR account.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 01, 2013, 04:30:57 PM
TY!
Title: Re: Questions and Help for BEGINNERS!
Post by: EMES on July 01, 2013, 05:35:44 PM
Yes.  With every Chase card you get (i.e. SP, Freedom, Ink...not United etc.) you will have a new UR account.
U can actually combine your personal login to Business login and have 1 Ur account.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 01, 2013, 05:51:53 PM
U can actually combine your personal login to Business login and have 1 Ur account.

So all the points you receive on any Chase card of your will all go into one UR account? (I'm not referring to the amount of UR that shows up on the right side of the page). 
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on July 01, 2013, 05:54:59 PM
So all the points you receive on any Chase card of your will all go into one UR account? (I'm not referring to the amount of UR that shows up on the right side of the page).

Yup. U can combine into any card. I have all my cards, ink plus, freedom, and SP all combined into SP
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 01, 2013, 05:57:04 PM
Yup. U can combine into any card. I have all my cards, ink plus, freedom, and SP all combined into SP
Combined?  Or transferred?

Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 01, 2013, 06:00:33 PM
Yup. U can combine into any card. I have all my cards, ink plus, freedom, and SP all combined into SP
So when you spend money on your Ink card and you sign into to chase it will not show up under your Ink UR account by "Show Rewards Balance" that you just earned points? It automatically goes into your SP UR account? Did not know.  Good to know.
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on July 01, 2013, 06:20:22 PM
So when you spend money on your Ink card and you sign into to chase it will not show up under your Ink UR account by "Show Rewards Balance" that you just earned points? It automatically goes into your SP UR account? Did not know.  Good to know.

Sorry if i was confusing. When i make a purchase with the ink card it goes into that UR account, i would then just combine the ink into the SP
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 01, 2013, 06:31:40 PM
Sorry if i was confusing. When i make a purchase with the ink card it goes into that UR account, i would then just combine the ink into the SP
Oooook.   You weren't confusing me.  Just wanted you to clarify it so the next person wouldnt be confused.  :P

So lets start over.  Each Chase card gets its own UR account.  After you have points in its respective UR account...then you can combine all your UR points into one account.

U can actually combine your personal login to Business login and have 1 Ur account.
Is that what you meant? Or am I really missing something here?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 01, 2013, 07:08:46 PM
Just wanted you to clarify it so the next person wouldnt be confused.  :P
That would be me now.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 01, 2013, 07:15:47 PM
That would be me now.
Lol.

Not sure what emes was referring to. But basically...
Each Chase card gets its own UR account.  After you have points in its respective UR account...then you can combine all your UR points into one account.
Regarding Chase logins- you can have your personal cards go into your business login.  But regarding the points...each one goes into its own account.  You can transfer UR from one UR account to another.  But you can only transfer UR points to airline/hotel if the points are in a SP or Ink.

Still confused?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 02, 2013, 09:24:03 AM
Still confused?
Nope and that is what I thought after your first answer but someone had to confuse things.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 02, 2013, 09:24:33 AM
U can actually combine your personal login to Business login and have 1 Ur account.
-100

Is this just a standard "EMES" comment?
Please stop posting misinformation.  >:(
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 02, 2013, 09:32:37 AM
-100

Is this just a standard "EMES" comment?
Please stop posting misinformation.  >:(
+1

You confusing CV!
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 02, 2013, 09:36:06 AM
You confusing CV!
+1
Good thing the kind folks here are willing to help me.  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 02, 2013, 09:48:36 AM
+1
Good thing the kind folks here are willing to HelpMe.  ;)
FTFY  ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on July 02, 2013, 12:06:07 PM
U can actually combine your personal login to Business login and have 1 Ur account.
Wow. You really need to think before you write.
I once had to change someone's signature until they reformed :P
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 03, 2013, 08:46:33 PM
For the Plus card is it 50k for office supply and 50k for gas or 50k total for both?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on July 03, 2013, 08:48:54 PM
For the Plus card is it 50k for office supply and 50k for gas or 50k total for both?
Both.
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on July 07, 2013, 01:09:16 AM
Why do people prefer Vanilla Reload cards over My Vanilla? MVD cards seem to be easier to find. VR always sold out at my CVS. Thank you.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 07, 2013, 02:45:01 AM
Anyone have the billing zipcode for the Plus card?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 07, 2013, 02:45:59 AM
Anyone have the billing zipcode for the Plus card?
Huh?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 07, 2013, 02:50:48 AM
Huh?
What is the zipcode you mail payments for your Ink Plus card to. Just received the card and need to make a payment. My bill pay looks up by zipcode.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 07, 2013, 02:55:56 AM
What is the zipcode you mail payments for your Ink Plus card to. Just received the card and need to make a payment. My bill pay looks up by zipcode.
Oh okay. Billing zip code usually refers to the zip where the bill is mailed to.

I don't know off hand.  You can go to chase.com and select "statements" and you'll see the payment address listed on the statement.
(I'm not at a pc now, so I can't do it for you )
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 07, 2013, 02:58:08 AM
Oh okay. Billing zip code usually refers to the zip where the bill is mailed to.

I don't know off hand.  You can go to chase.com and select "statements" and you'll see the payment address listed on the statement.
(I'm not at a pc now, so I can't do it for you )
Thanks. My problem is I just received the card so no statements.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on July 07, 2013, 03:00:35 AM
Thanks. My problem is I just received the card so no statements.
Chase business and personal are different? (I'm mobile now, so I can't check)

Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 07, 2013, 03:03:19 AM
Chase business and personal are different?
Not sure. I need it paid ASAP. OD is holding my GC's.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: itsyehuda on July 07, 2013, 05:07:22 AM
Not sure. I need it paid ASAP. OD is holding my GC's.  :)

FWIW, I've paid them both with the same BlueBird Payee.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 07, 2013, 10:12:52 PM
Wow, I didn't think this was such a big deal. I am not asking for any money just a simple zipcode.  :(
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on July 07, 2013, 10:39:22 PM
Wow, I didn't think this was such a big deal. I am not asking for any money just a simple zipcode.  :(

This is what shows on my online statement

Quote
CARDMEMBER SERVICE
PO BOX 15153
WILMINGTON DE 19886-5153
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 07, 2013, 10:40:24 PM
This is what shows on my online statement
THANK YOU!
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on July 07, 2013, 10:41:52 PM
THANK YOU!

NP

and if it helps, it's the same by me for the IB and the IP
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 08, 2013, 11:14:18 AM
Wow. You really need to think before you write.
I once had to change someone's signature until they reformed :P
Really?  :P
Which secret court has granted you premission to sneak into someone's personal profile?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on July 08, 2013, 11:17:53 AM
Which secret court has granted you premission to sneak into someone's personal profile?
See my name in the title of the URL? That one :P
#ABusinessIsNotADemocracy
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on July 08, 2013, 11:23:13 AM
See my name in the title of the URL? That one :P
#ABusinessIsNotADemocracy

I think we should start a uprising! I want a change in the dictator!!! Boycott!!
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 08, 2013, 11:28:09 AM
See my name in the title of the URL? That one :P
#ABusinessIsNotADemocracy
Yeah, reminds me of the late HM saying:
Forums are not democracies they are dictatorships.

I didnt understand what he means till I found out.


Either way, how come your profile says you're offline, while you're posting away?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on July 08, 2013, 11:35:53 AM
I didnt understand what he means till I found out.
This forum has less moderation than 99.9% of forums out there.  I've worked for other forums and participate in other forums and the heavy handed moderation is crazy sometimes.

Either way, how come your profile says you're offline, while you're posting away?
Magic.
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on July 08, 2013, 12:11:57 PM
Either way, how come your profile says you're offline, while you're posting away?
Was always wondering the same, just didn't dare to ask ;)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 08, 2013, 12:22:27 PM
This forum has less moderation than 99.9% of forums out there.
The least moderated public forum I have ever belonged to.

"LESS IS MORE"  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: aviz on July 08, 2013, 04:12:59 PM
I often go to the "see new replies to your posts" when I jump into the forums... is there a way to like unsubcribe from certain topics (topics that I may have posted a lon time ago that keep showing up) or maybe a way to mark certain ones as "read" as oppose to all of them ?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on July 08, 2013, 04:20:12 PM
Why are noobs able to make new threads again?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on July 08, 2013, 04:24:18 PM
Why are noobs able to make new threads again?
I was getting a dozen emails and PMs a day asking how to make a thread.
It's easier to merge their new topics :P

RTM 'em please.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 08, 2013, 04:24:56 PM
Why are noobs able to make new threads again?
You didn't get the memo?  :)

http://forums.dansdeals.com/index.php?topic=29656.msg539068#msg539068
Title: Re: Questions and Help for BEGINNERS!
Post by: sruly101 on July 09, 2013, 02:05:39 PM
If i got now 2 pulls on my trans union from barclay, and i will apply in a few months by chase in NY(that they dont pull TU) will they see those pulls?
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on July 09, 2013, 02:42:28 PM
If i got now 2 pulls on my trans union from barclay, and i will apply in a few months by chase in NY(that they dont pull TU) will they see those pulls?
if they dont pull from TU then why would they see it?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 09, 2013, 02:48:10 PM
if they dont pull from TU then why would they see it?
You sure?  The point of an AOR is that one bank (who pulls from one credit bureau) should not see the pulls done from another bank ( which pulls a different credit bureau).
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on July 09, 2013, 03:06:31 PM
You sure?  The point of an AOR is that one bank (who pulls from one credit bureau) should not see the pulls done from another bank ( which pulls a different credit bureau).
i guess i meant to tell him that it wont affect it really, since its a few months later and you can even apply for something that pulls from TU.
but i guess ur right.
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on July 09, 2013, 03:39:21 PM
If i got now 2 pulls on my trans union from barclay, and i will apply in a few months by chase in NY(that they dont pull TU) will they see those pulls?
No.
Title: Re: Questions and Help for BEGINNERS!
Post by: sruly101 on July 09, 2013, 05:17:56 PM
No.
So how did barclay tell me that i have to many cards lately....... not all my pulls are by TU?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 09, 2013, 05:21:14 PM
You sure?  The point of an AOR is that one bank (who pulls from one credit bureau) should not see the pulls done from another bank ( which pulls a different credit bureau).
-1
The point of an AOR is that the banks shouldn't see each others' pulls on a specific bureau.

If , for example,  chase pulls from EX in NJ, they'll never see the pull from barclays on TU.
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 09, 2013, 05:22:43 PM
-1
The point of an AOR is that the banks shouldn't see each others' pulls on a specific bureau.

If , for example,  chase pulls from EX in NJ, they'll never see the pull from barclays on TU.
How is that any different than what I said?  ???
Title: Re: Questions and Help for BEGINNERS!
Post by: george on July 09, 2013, 05:24:01 PM
So how did barclay tell me that i have to many cards lately....... not all my pulls are by TU?
All accounts are reported to and known by all three bureaus. Inquiries (pulls) are the only thing that shows up on one bureau and not the others.
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on July 09, 2013, 05:25:05 PM
How is that any different than what I said?  ???
AFAIU They can't see the pulls, but they do see how many accounts you have open.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 09, 2013, 05:27:17 PM
How is that any different than what I said?  ???

This:

You sure?  The point of an AOR is that one bank (who pulls from one credit bureau) should not s ee the pulls done from another bank ( which pulls a different credit bureau).
Title: Re: Questions and Help for BEGINNERS!
Post by: sruly101 on July 09, 2013, 05:31:10 PM
Ok zhis is a bit confusing, i think that ALL of u are saying the same....
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 09, 2013, 05:33:06 PM
AFAIU They can't see the pulls, but they do see how many accounts you have open.

Sorry to confuse anyone...


-1
The point of an AOR is that the banks shouldn't see each others' pulls on a specific bureau.

If , for example,  chase pulls from EX in NJ, they'll never see the pull from barclays on TU.

This:
Please explain
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 09, 2013, 05:41:00 PM
@mmerms

Here goes:

If you live in NJ, generally speaking chase, amex and citi pull from EX.

The point of an AOR is that they shouldn't see each others pulls.

Barclays OTOH pulls from TU.

If you apply for a barclays card the day before your chase/amex/citi AOR, they still wont see the pull from barclays since barclays pulled from a different agency.

The same goes if you apply for a barclays card the day after a chase/amex/citi AOR.
Barclays will not see that just yesterday chase+ amex + citi pulled your credit.
The reason being that they all pulled EX, and barclays pulls TU.

Disclaimer: The above scenario applies to NJ, and is very YMMV.
Sometimes amex/chase etc do pull TU.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 09, 2013, 05:50:42 PM
Ok zhis is a bit confusing, i think that ALL of u are saying the same....
+1 ...but the problem is they are not seeing the big picture. There is services/CRA that shows all pulls. If your CC issuer uses one of these services they will see every time you applied for credit.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 09, 2013, 05:52:29 PM
+1 ...but the problem is they are not seeing the big picture. There is services/CRA that shows all pulls. If your CC issuer uses one of these services they will see every time you applied for credit.
I'm not doubting you, but IME chase + citi + barclays don't use those services.

Do you have any data points as to which banks use those services?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 09, 2013, 05:58:05 PM
Do you have any data points as to which banks use those services?
I would have to hit up some CB members for data points. One I know of is US Bank.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 09, 2013, 06:00:29 PM
I would have to hit up some CB members for data points. One I know of is US Bank.
Interesting.
Thanx
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on July 09, 2013, 06:27:07 PM
IMO the reason for a AOR is so the banks don't see any new accounts on your report. If you live in NY or NJ most banks will pull EX and see the other pulls that day (YMMV).

If you live in a place (CLE) where they each pull from somewhere else, you won't have the problem of pulls since they all pull from a different CR. They won't see any new accounts since you just applied for them and they are not recorded yet.

So basically, if you live in NY or NJ you can apply a day or two apart and it won't (usually) make a difference, since they will see the pulls anyway.



Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on July 09, 2013, 09:27:08 PM
Anyway to search ONLY in my posts?
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on July 09, 2013, 09:29:18 PM
Anyway to search ONLY in my posts?
Yes.
Go to the search tab,  enter your keyword, and on the 2nd line after the " * " enter Ajk.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on July 09, 2013, 09:59:20 PM
Awesome, thanks.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 10, 2013, 12:48:42 AM
Anyway to know when the clock resets on 50k spend on the Bold card. Is it one year from approval, starting with your 13th statement or something else?
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on July 10, 2013, 01:03:05 AM
Awesome, thanks.
Oy, I need to give a webinar on searching one of these days. http://forums.dansdeals.com/index.php?action=search;advanced;search=
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on July 10, 2013, 02:41:37 AM
Oy, I need to give a webinar on searching one of these days. http://forums.dansdeals.com/index.php?action=search;advanced;search=

Maybe when Dan does seminars he should start out with the search box in a slide, or when he has q & a by the seminar he should input each question into the search box to show the people their question has already been asked :P
Title: Re: Questions and Help for BEGINNERS!
Post by: jj1000 on July 10, 2013, 02:45:30 AM
Maybe when Dan does seminars he should start out with the search box in a slide, or when he has q & a by the seminar he should input each question into the search box to show the people their question has already been asked :P
That would actually be very cute. Sad thing is the search engine here does stink.
Title: Re: Questions and Help for BEGINNERS!
Post by: Cbs on July 10, 2013, 07:07:08 AM
Anyway to search ONLY in my posts?
i thought u knew that...what do i know!
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on July 10, 2013, 10:25:18 AM
Sad thing is the search engine here does stink.
+1  :'(
Title: Re: Questions and Help for BEGINNERS!
Post by: sruly101 on July 12, 2013, 08:59:58 AM
On which program can i add my miles earned flying with el al except of Matmid?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on July 12, 2013, 09:00:51 AM
On which program can i add my miles earned flying with el al except of Matmid?
AA
Title: Re: Questions and Help for BEGINNERS!
Post by: sruly101 on July 12, 2013, 09:04:20 AM
AA
Thanks, any more?
Title: Re: Questions and Help for BEGINNERS!
Post by: itsyehuda on July 12, 2013, 10:08:37 AM
Thanks, any more?

That's it for US carriers
Title: Re: Questions and Help for BEGINNERS!
Post by: sruly101 on July 14, 2013, 02:24:26 PM
Where do i see on my elal ticket which class it is?

when i log into my reservation it just says Fare type:    Economy Restricted
Title: Re: Questions and Help for BEGINNERS!
Post by: davidch on July 15, 2013, 02:08:06 PM
does it make a difference if i pay a bill on the due date or two weeks before?
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on July 15, 2013, 02:41:55 PM
does it make a difference if i pay a bill on the due date or two weeks before?

As long as you pay on time I don't think it matters.
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on July 15, 2013, 03:03:05 PM
does it make a difference if i pay a bill on the due date or two weeks before?
It only makes a difference if you pay it before your statement closing date.
Title: Re: Questions and Help for BEGINNERS!
Post by: sruly101 on July 15, 2013, 05:14:45 PM
It only makes a difference if you pay it before your statement closing date.
+1
Title: Re: Questions and Help for BEGINNERS!
Post by: davidch on July 17, 2013, 02:02:11 PM
is it bad for my credit if i have a card open,in which i dont spend anything on it?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on July 17, 2013, 02:03:12 PM
is it bad for my credit if i have a card open,in which i dont spend anything on it?
No it's good. It keeps your credit% utilization low.
Title: Re: Questions and Help for BEGINNERS!
Post by: davidch on July 17, 2013, 02:08:53 PM
No it's good. It keeps your credit% utilization low.




my credit% utilization is low as it is. (and whats a good avg for credit% utilization)
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on July 17, 2013, 02:13:46 PM



my credit% utilization is low as it is...
Still doesn't hurt to keep it open, you can also use it as leverage to get approved for new cards.
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on July 17, 2013, 03:12:57 PM
No it's good. It keeps your credit% utilization low.

Is there a minimum to use a card just to keep it open?
Like do you have a card that you use once every 6-12 months just so it should be kept open or you need to use it more often so it shouldn't get shut for lack of use?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on July 17, 2013, 03:19:28 PM
Is there a minimum to use a card just to keep it open?
Like do you have a card that you use once every 6-12 months just so it should be kept open or you need to use it more often so it shouldn't get shut for lack of use?
The first card I opened I still have even though I haven't used it in 3-4 years.
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on July 17, 2013, 04:07:30 PM
The first card I opened I still have even though I haven't used it in 3-4 years.

Which bank?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on July 17, 2013, 04:14:19 PM
Which bank?
long story, i think Orchard bank>HSBC>Cap1 I might have missed a step or 2
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on July 17, 2013, 04:54:41 PM
long story, i think Orchard bank>HSBC>Cap1 I might have missed a step or 2

I think the oldest card I have is from Cap1 - good to know I don't need to use it that often.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 18, 2013, 10:21:19 AM
There's a thread in the CC board with all the info on when certain banks close accounts after a certain period of time of the card not being used.
And it'll show on your report as closed by lender - which is not good.
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on July 18, 2013, 10:51:14 AM
There's a thread in the CC board with all the info on when certain banks close accounts after a certain period of time of the card not being used.
And it'll show on your report as closed by lender - which is not good.

Could you point me in that direction?
I've been looking for the past half hour...
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 22, 2013, 01:24:02 PM
Does the TLV to PHL US air flight have WiFi?


Also is there a way to check to see what plane flew a certain route after a plane change ?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on July 23, 2013, 06:43:44 AM
Does the TLV to PHL US air flight have WiFi?


Also is there a way to check to see what plane flew a certain route after a plane change ?

Bump

Anyone ?
Title: Re: Questions and Help for BEGINNERS!
Post by: mmermss on July 23, 2013, 06:53:35 AM
Does the TLV to PHL US air flight have WiFi?
As of last year the PHL to TLV US did not.  But things couldve changed and the route can also be different.
Title: Re: Questions and Help for BEGINNERS!
Post by: ItzikJones on July 23, 2013, 05:07:00 PM
Ok, so I'm currently enrolled in Equifax's Score Watch program and at the top of my dashboard it provides me with my Fico score and it gives me alerts for when my score or credit report changes. As you can see in the screenshot, it says it's my FICO score, but is it actually my real score?

Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on July 23, 2013, 05:43:51 PM
It is likely your FICO EQ score.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 23, 2013, 06:13:29 PM
...it says it's my FICO score, but is it actually my real score?
Yes.
Title: Re: Questions and Help for BEGINNERS!
Post by: YosefG on July 23, 2013, 11:47:33 PM
Hi,

I am a beginner on the forum and I found a page with all these links to threads from different categories. Like meeting thresholds, and also a bunch of links to blog archives to dansdeals. I can't find that page after looking for an hour around. Does anybody know where it is? So i can bookmark it and use it for future reference? Shkoiach.
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on July 23, 2013, 11:52:25 PM
Hi,

I am a beginner on the forum and I found a page with all these links to threads from different categories. Like meeting thresholds, and also a bunch of links to blog archives to dansdeals. I can't find that page after looking for an hour around. Does anybody know where it is? So i can bookmark it and use it for future reference? Shkoiach.
http://forums.dansdeals.com/index.php?topic=23990.0 (http://forums.dansdeals.com/index.php?topic=23990.0)
Title: Re: Questions and Help for BEGINNERS!
Post by: ItzikJones on July 24, 2013, 10:13:51 AM
Yes.

Thanks guys.
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on July 25, 2013, 05:33:06 PM
Hi folks,

I'm trying for the longest not to ask this n00b question, I did lots of searching but I'm still quite confused so I would really appreciate if anybody can explain this to me.

#1
What exactly is Star alliance?
For example, on Chase's site I have the option to transfer my UR to United, so where would Star alliance come into the picture?

#2
What is Aeroplan, where/when/how would I use it?

It's probably the most simplest thing but I just can't get it, a simple explanation would real do it.

Thanks!
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on July 25, 2013, 05:44:26 PM
Hi folks,

I'm trying for the longest not to ask this n00b question, I did lots of searching but I'm still quite confused so I would really appreciate if anybody can explain this to me.

#1
What exactly is Star alliance?
For example, on Chase's site I have the option to transfer my UR to United, so where would Star alliance come into the picture?

#2
What is Aeroplan, where/when/how would I use it?

It's probably the most simplest thing but I just can't get it, a simple explanation would real do it.

Thanks!

1) It is the the alliance that United is partners with -  http://www.staralliance.com/ (http://www.staralliance.com/). When transferring miles to United you can then book a flight on a partner airline that is also within Star Alliance (Assuming United allows booking on those flights/airlines, and the flight is available).

2) From a quick search - Aeroplan is Air Canada's mileage program - same idea as number 1 ^^ but with different options and fees. (Not the best answer - I know).

Hope that helps.
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on July 25, 2013, 06:02:34 PM
When transferring miles to United you can then book a flight on a partner airline that is also within Star Alliance
Firstly thanks for ur reply,

Just wanna make sure I got it right,
If I transfer my UR to let's say United I can then book with any of the 27 airlines that are partners with Star alliance being that united is also a Star alliance partner?
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on July 25, 2013, 06:09:18 PM
Firstly thanks for ur reply,

Just wanna make sure I got it right,
If I transfer my UR to let's say United I can then book with any of the 27 airlines that are partners with Star alliance being that united is also a Star alliance partner?

If it is available. Keep in mind, some airlines, flights, class of service are limited and not always offered. Always search on United's website first for availability and then if it is available then you can transfer your miles and book it.
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on July 25, 2013, 06:11:09 PM
If it is available. Keep in mind, some airlines, flights, class of service are limited and not always offered. Always search on United's website first for availability and then if it is available then you can transfer your miles and book it.
Thanks so much!
Greatly appreciated!
Title: Re: Questions and Help for BEGINNERS!
Post by: YosefG on July 25, 2013, 07:22:14 PM
Thanks Centro for your reply. That's exactly what I was looking for. All the best!
Title: Re: Questions and Help for BEGINNERS!
Post by: shimk on July 26, 2013, 09:38:05 AM
I just signed up for the American Express SPG Credit Card, does anyone know how to get the 15,000 points from spending 5,000 pounds in the first 6 months? Can I buy goods and return them and still keep the points??
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 26, 2013, 10:06:14 AM
Try amazon payments.
Title: Re: Questions and Help for BEGINNERS!
Post by: itsyehuda on July 27, 2013, 09:55:01 PM

I just signed up for the American Express SPG Credit Card, does anyone know how to get the 15,000 points from spending 5,000 pounds in the first 6 months? Can I buy goods and return them and still keep the points??

Not recommended.


Sent from my iPhone using Tapatalk 2
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on July 28, 2013, 02:29:51 AM
How long after one gets assessed the AF on a Chase card can you cancel and get refunded?

60 days?
Title: Re: Questions and Help for BEGINNERS!
Post by: aviz on July 28, 2013, 12:07:06 PM
How long after one gets assessed the AF on a Chase card can you cancel and get refunded?

60 days?

Yes
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on July 28, 2013, 04:57:46 PM
Does UA offer companion tickets? Is it goods for “F” tickets?
Title: Re: Questions and Help for BEGINNERS!
Post by: Chaimg318 on July 28, 2013, 09:03:27 PM
I fly Montreal-LA a couple of times a year and tickets are very expensive. What's the cheapest method of getting a milage ticket (to buy miles and get a ticket) I'm looking only for nonstop and as far as I know air Canada is th only one that has that.

Ps I'm totally new to this so excuse me if I did something wrong
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on July 28, 2013, 09:06:10 PM
I fly Montreal-LA a couple of times a year and tickets are very expensive. What's the cheapest method of getting a milage ticket (to buy miles and get a ticket) I'm looking only for nonstop and as far as I know air Canada is th only one that has that.

Ps I'm totally new to this so excuse me if I did something wrong
I'll leave the mileage question for those more qualified than me, but have you looked into flying from PBG or BTV? It should be a lot cheaper, may be worth it if you do it often.
Title: Re: Questions and Help for BEGINNERS!
Post by: Chaimg318 on July 28, 2013, 09:57:32 PM
I'll leave the mileage question for those more qualified than me, but have you looked into flying from PBG or BTV? It should be a lot cheaper, may be worth it if you do it often.
It's too much of a schlep I travel w 2 kids
Title: Re: Questions and Help for BEGINNERS!
Post by: Chaimg318 on July 29, 2013, 09:30:05 PM
Is there a link which talks about which companies (cc or airlines) will let u transfer to someone else with a different name
Title: Re: Questions and Help for BEGINNERS!
Post by: aviz on July 29, 2013, 10:09:42 PM
I am looking for the same.. I beleive Amex will let you transfer to another Person'd avios account .. But I could be wrong
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 29, 2013, 10:21:25 PM
The only 'technical' problem would be SPG>AA when last name doesn't match.
Though Chase doesn't encourage transfers if its not to spouse's account, and they say they might terminate relationship if you do.
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on July 29, 2013, 10:23:45 PM
Is there a link which talks about which companies (cc or airlines) will let u transfer to someone else with a different name
Try here (http://forums.dansdeals.com/index.php?topic=2022.0).
Title: Re: Questions and Help for BEGINNERS!
Post by: Chaimg318 on July 30, 2013, 02:32:51 AM
The only 'technical' problem would be SPG>AA when last name doesn't match.
Though Chase doesn't encourage transfers if its not to spouse's account, and they say they might terminate relationship if you do.
Thanks. And what about using someone else's milage account for my own ticket. Are there any airlines that won't let u do that or do the names on the ticket and milage account with which the ticket  was bought with have to match?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on July 30, 2013, 10:25:25 AM
All airlines allow them if you didn't sell the miles.
Besides LAN which wants the passenger to be a relative of the account holder, and they used to require faxing in documents (but I think they no longer ask for that).
And SQ wants you to add the passenger as a redemption nominee (I think they have a limit how many nominees you can add, not sure about that).
Title: Re: Questions and Help for BEGINNERS!
Post by: Chaimg318 on July 30, 2013, 02:16:40 PM
All airlines allow them if you didn't sell the miles.
Besides LAN which wants the passenger to be a relative of the account holder, and they used to require faxing in documents (but I think they no longer ask for that).
And SQ wants you to add the passenger as a redemption nominee (I think they have a limit how many nominees you can add, not sure about that).
So there's no real way to buy someone else's miles and use it to buy a ticket?
Title: Re: Questions and Help for BEGINNERS!
Post by: Lazegotit on August 05, 2013, 01:20:58 PM
I wanna start with hotels and status stuff. Can anyone tell me where to start? Seems like Club Accor is the starting point, but the link isn't working... any ideas?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on August 05, 2013, 02:40:55 PM
Amex Plat = SPG Gold
Chase Hyatt = Hyatt Platinum
Citi Reserve/Amex Surpass = Hilton Gold
US Bank Club Carlson = Club Carlson Gold
Chase Marriott = 15 elite nights
Amex SPG = 5 elite nights and 2 elite stays
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on August 05, 2013, 02:49:04 PM
Amex Plat = SPG Gold
Chase Hyatt = Hyatt Platinum
Citi Reserve/Amex Surpass = Hilton Gold
US Bank Club Carlson = Club Carlson Gold
Chase Marriott = 15 elite nights
Amex SPG = 5 elite nights and 2 elite stays
UA Club=Hyatt Platinum
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on August 05, 2013, 02:52:41 PM
Amex Plat = SPG Gold
Chase Hyatt = Hyatt Platinum
Citi Reserve/Amex Surpass = Hilton Gold
US Bank Club Carlson = Club Carlson Gold
Chase Marriott = 15 elite nights
Amex SPG = 5 elite nights and 2 elite stays

Both SPG, personal and biz, can be combined so you have 10 elite nights and 4 elite stays.
Title: Re: Questions and Help for BEGINNERS!
Post by: aviz on August 05, 2013, 06:06:00 PM
Is it better to show a small amount close on your credit card statemnt as oppose to show zero ? ie. if you have a CL of 10,000, it is better to leave an amount like $20 as a balance so the statement closes showing a low balance as oppose to paying it in full before the statemnt closes and there being a zero amount due... or does it not matter at all ?

for some reason i remeber thinking it might be better to show that you are borrowing, but you just want that balance to be less then 5-10% of you CL
Title: Re: Questions and Help for BEGINNERS!
Post by: HP58 on August 05, 2013, 06:32:07 PM
I seem to remember reading elsewhere on the forum that up to 33% is optimal utilization.
Title: Re: Questions and Help for BEGINNERS!
Post by: Lou Bob on August 05, 2013, 06:46:39 PM
I seem to remember reading elsewhere on the forum that up to 33% is optimal utilization.
that's maybe the max you wanna show, bedi'eved. Keep it to <10
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on August 06, 2013, 02:11:41 AM
Is it better to show a small amount close on your credit card statemnt as oppose to show zero ?
You are going to see all different utilization figures thrown out. IMHO they are not even educated guesses. Basically the less outstanding the better. If you have a well seasoned credit file I would not even worry about utilization unless you were applying for new credit.
Title: Re: Questions and Help for BEGINNERS!
Post by: tageed-lee on August 06, 2013, 03:22:46 PM
 I live in NJ and was approved for a Barclay card on June 23rd  (less than 2 months ago) and the hard pull was from TransUnion. Is it too early to apply for Chase/Amex? (If so, how long should i wait being that they pull from Experian they will see a new account but no recent hard pulls?) TIA
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on August 06, 2013, 03:28:53 PM
If so, how long should i wait being that they pull from Experian they will see a new account but no recent hard pulls?
Don't think so deeply. They won't see any pulls and that's the end of it.
No need to wait for anything.
Title: Re: Questions and Help for BEGINNERS!
Post by: aviz on August 06, 2013, 03:56:14 PM
You are going to see all different utilization figures thrown out. IMHO they are not even educated guesses. Basically the less outstanding the better. If you have a well seasoned credit file I would not even worry about utilization unless you were applying for new credit.

I agree, I'm not too concerned with 10%,15%,33%.... I just wondering if something is better then nothing... just because then its like your not using the card at all... was just wondering if its better to show you are borrowing something. (I know with capital one for example (an old card I had) ... I never officially canceled it, but they canceled it for me once they saw it wasn't used in 6 months)
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 06, 2013, 06:22:44 PM
1-10% > 0%.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on August 07, 2013, 07:17:30 AM
If you have a current SPG card that is about three years old can you get the 30k bonus being offered? If so do you close the card first?
Title: Re: Questions and Help for BEGINNERS!
Post by: aviz on August 07, 2013, 10:53:46 AM
1-10% > 0%.
Brilliant math  equation...

but i get what you mean.. thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: HP58 on August 07, 2013, 11:46:55 AM
1-10% > 0%.
Discussed at length here: http://forums.dansdeals.com/index.php?topic=15542.45
Title: Re: Questions and Help for BEGINNERS!
Post by: MoGro17 on August 07, 2013, 03:18:07 PM
Noob question so go easy on me guys  ;)

I just got the Chase Ink Bold charge card and I want to meet the 5k spending threshold.

Can someone (or somemanys) give me a complete, yet uncomplicated, instruction manual on 1)Amazon Payments [AP], 2)Bluebird [Bb]?

Things like: Which gift cards can be used to load up Bb? What is the process for this? How exactly does AP work? Can I pay myself with a different email address? Can I pay my wife even though we share a checking account? Are there any fees for Bb? AP? What about inactivity charges and/or fees? Are there limits to the amount of activity allowed on Bb? AP?

I believe a comprehensive and simple guide to meeting thresholds would be very beneficial to the greater mile-hoarding community :):)

Thanks to all the pros for understanding and appreciating the importance of this thread.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on August 07, 2013, 03:24:23 PM
Noob question so go easy on me guys  ;)

I just got the Chase Ink Bold charge card and I want to meet the 5k spending threshold.

Can someone (or somemanys) give me a complete, yet uncomplicated, instruction manual on 1)Amazon Payments [AP], 2)Bluebird [Bb]?

Things like: Which gift cards can be used to load up Bb? What is the process for this? How exactly does AP work? Can I pay myself with a different email address? Can I pay my wife even though we share a checking account? Are there any fees for Bb? AP? What about inactivity charges and/or fees? Are there limits to the amount of activity allowed on Bb? AP?

I believe a comprehensive and simple guide to meeting thresholds would be very beneficial to the greater mile-hoarding community :):)

Thanks to all the pros for understanding and appreciating the importance of this thread.
Check out the wiki on the bluebird  thread.  it can't anymore  dumbed-down than that.
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on August 08, 2013, 11:11:11 AM
My first foray into Business cards here. What's the difference between the Chase Ink Bold and Chase Ink Plus?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 08, 2013, 11:26:20 AM
My first foray into Business cards here. What's the difference between the Chase Ink Bold and Chase Ink Plus?

One is a charge card and one isn't.
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on August 08, 2013, 11:27:26 AM
Charge card means it has to be paid in full each month?
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on August 08, 2013, 11:27:53 AM
If you have a current SPG card that is about three years old can you get the 30k bonus being offered? If so do you close the card first?

Similar question, could you get the sign up bonus if you have an SPG already?
If yes, does it matter how long the card is open for?
If no, how long does it need to be shut for and could the card be converted into another card instead of closing it?
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on August 08, 2013, 11:28:28 AM
Charge card means it has to be paid in full each month?

Correct
Title: Re: Questions and Help for BEGINNERS!
Post by: itsyehuda on August 08, 2013, 12:02:26 PM
Similar question, could you get the sign up bonus if you have an SPG already?
If yes, does it matter how long the card is open for?
If no, how long does it need to be shut for and could the card be converted into another card instead of closing it?

YMMV. T&Cs state no and 12 months. Amex has been tougher lately about this.
Title: Re: Questions and Help for BEGINNERS!
Post by: DoGo on August 08, 2013, 12:11:21 PM
I recall that the credit usage on business cards dont get reported to credit agencies (except that chase just began reporting).
1) Now just to be clear, when applying for a business AMEX card (SPG) there is a pull?
2) Does 2BM help to keep it one pull?
3) If it does help, does it have to be a business card?
Title: Re: Questions and Help for BEGINNERS!
Post by: itsyehuda on August 08, 2013, 12:48:04 PM
I recall that the credit usage on business cards dont get reported to credit agencies (except that chase just began reporting).
1) Now just to be clear, when applying for a business AMEX card (SPG) there is a pull?
2) Does 2BM help to keep it one pull?
3) If it does help, does it have to be a business card?

1) Yes
2) Phrased weirdly, but 2BM can be one pull.
3) No. There have been reports of one pull from mixed business and personal Amex cards.
Title: Re: Questions and Help for BEGINNERS!
Post by: DoGo on August 08, 2013, 01:03:56 PM
1) Yes
2) Phrased weirdly, but 2BM can be one pull.
3) No. There have been reports of one pull from mixed business and personal Amex cards.
Thanx!
2BM became a noun in this forum
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on August 08, 2013, 01:11:50 PM
I have no time to search now so if anybody can answer/direct me pls,

What is the cancellation policy on spg award stays, can I cancel a reservation? Only up to a certain amount of time in advance or what?

Tx.
Title: Re: Questions and Help for BEGINNERS!
Post by: DoGo on August 08, 2013, 01:19:58 PM
I have no time to search now so if anybody can answer/direct me pls,

What is the cancellation policy on spg award stays, can I cancel a reservation? Only up to a certain amount of time in advance or what?

Tx.
Usually 24 hours before your stay, but sometimes, especially with luxury stays its earlier then that. It is clearly stated on your reservation page on spg.
And remember if you past the time you can always call...
Title: Re: Questions and Help for BEGINNERS!
Post by: Azis Papa on August 08, 2013, 11:13:12 PM
I apologize for my noiobness and also if this has been answered before but, How does the Vanilla reload work?  Does it HAVE TO BE registered online or by phone or can I just take it straight to Walmart and load it on to Bluebird.  BTW - people here in south Florida sure re nice.  I am visiting and went to checkout OD, which I don't have back home.  Not only are they loaded with VRs and MVDs but when I tried to buy a VR ($500) with my credit card..No prob.  A message even flashed on the checkout screen "...must be Cash." thye clerk just blew right by it and let me charge it.  Its my first VR so I am not sure how it works but it was so easy (and profitable) that I'm going back tomorrow for more.
Title: Re: Questions and Help for BEGINNERS!
Post by: george on August 08, 2013, 11:21:12 PM
I apologize for my noiobness and also if this has been answered before but, How does the Vanilla reload work?  Does it HAVE TO BE registered online or by phone or can I just take it straight to Walmart and load it on to Bluebird. BTW - people here in south Florida sure re nice.  I am visiting and went to checkout OD, which I don't have back home.  Not only are they loaded with VRs and MVDs but when I tried to buy a VR ($500) with my credit card..No prob.  A message even flashed on the checkout screen "...must be Cash." thye clerk just blew right by it and let me charge it.  Its my first VR so I am not sure how it works but it was so easy (and profitable) that I'm going back tomorrow for more.
VR can be loaded onto Bluebird online at vanillareload.com. The funds are then available in your Bluebird account and you can pay bills etc. from the comfort of your own home. Why would you want to go to Walmart if you don't have to?
Title: Re: Questions and Help for BEGINNERS!
Post by: Azis Papa on August 08, 2013, 11:27:44 PM
Thanks for responding.  Isn't there a fee to load it online?  and do I have to register at vanillareload.com or is it good to go when you buy it?
Title: Re: Questions and Help for BEGINNERS!
Post by: george on August 08, 2013, 11:31:58 PM
Thanks for responding.  Isn't there a fee to load it online?  and do I have to register at vanillareload.com or is it good to go when you buy it?
No fee, no registration required.
It takes a total of 20 seconds. You need your Bluebird account number and the VR pin number. That's all.
Title: Re: Questions and Help for BEGINNERS!
Post by: Azis Papa on August 08, 2013, 11:34:18 PM
Cool.  Thanks!
Title: Re: Questions and Help for BEGINNERS!
Post by: chaimmayer on August 09, 2013, 12:03:30 PM
Is there any danger in my sending a personal check to pay my fathers chase cc bill?  We have the same last name (obviously).  If it's a problem are there any options other than sending a check from his bank? Thank you.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 09, 2013, 12:19:09 PM
I do it all the time though I have heard people say it's an FR risk.
Title: Re: Questions and Help for BEGINNERS!
Post by: YT on August 11, 2013, 10:25:27 AM
Where can I find someone that can get me cheap tickets by buying someone else's points and getting me a ticket?  I need 8 tickets to israel. I was told that there's someone in Lakewood that does it
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on August 12, 2013, 01:15:49 PM
Always been curious but never really took the chance. Does a 2/3/4/5/6...BM Have to be on different browser? or does different tabs/windows work in the same browser?
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on August 12, 2013, 02:04:09 PM
Always been curious but never really took the chance. Does a 2/3/4/5/6...BM Have to be on different browser? or does different tabs/windows work in the same browser?


different browsers

You might be able to do same browser if you have multiple windows open and they are "incognito"

Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on August 13, 2013, 01:02:11 PM
I am looking for suggestions as for which card(s) I should (have my wife) apply for:
This is her current rundown from the past year:
Chase:
Marriott - opened on 8/22/12 closed 6/24/13
SP - Opened 4/24/13
United Explorer - opened 4/24/13
Freedom - opened 4/24/13
Amex:
MB Platinum - opened 12/19/12 closed 3/11/13
SPG - opened 12/19/12

She currently has no history with Citi or Barclays.

Are there any Amex cards which would be good or should I try for the Citi AA and Thank you cards?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 13, 2013, 10:19:53 PM
Any way to add my SPG number to a priceline booking?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on August 15, 2013, 04:13:16 AM
Any way to add my SPG number to a priceline booking?
Yes, but its complicated and not guaranteed.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 15, 2013, 08:17:45 PM
Q - is your credit utilization from one bank of per card? Am I trying to use a small amount of my credit per card? or per all my credit with that bank?
I always understood it to be the former.
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on August 15, 2013, 11:39:25 PM
It's both.

Banks don't like to see any individual util % too high nor your overall credit usage.
Title: Re: Questions and Help for BEGINNERS!
Post by: Jakart3113@aol.com on August 17, 2013, 01:30:44 AM
 :-*
I do it all the time though I have heard people say it's an FR risk.
Title: Re: Questions and Help for BEGINNERS!
Post by: YT on August 18, 2013, 05:52:34 PM
Is there any credit pull if I add someone as an authorized user? or any other possible negative things if i add them?
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on August 18, 2013, 06:31:53 PM
Is there any credit pull if I add someone as an authorized user? or any other possible negative things if i add them?
Nops, just make sure the bills are paid on time.
Title: Re: Questions and Help for BEGINNERS!
Post by: YT on August 18, 2013, 09:44:06 PM
Nops, just make sure the bills are paid on time.

thanks
Title: Re: Questions and Help for BEGINNERS!
Post by: Kaz Enobie on August 19, 2013, 12:25:34 PM
Is there a place on the forums where people on South Florida keep each-other posted on which Office Depots allow VR cards to be charged?

I went to the one in Boca on Glades Rd yesterday and was told cash only.
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on August 19, 2013, 12:28:04 PM
Is there a place on the forums where people on South Florida keep each-other posted on which Office Depots allow VR cards to be charged?

I went to the one in Boca on Glades Rd yesterday and was told cash only.
if there would be then there wouldn't be. ;) ;D :D
Title: Re: Questions and Help for BEGINNERS!
Post by: Emkay on August 19, 2013, 12:29:37 PM
Is there a place on the forums where people on South Florida keep each-other posted on which Office Depots cvs allow VR cards to be charged?

I went to the one in Boca on Glades Rd yesterday and was told cash only.
Title: Re: Questions and Help for BEGINNERS!
Post by: Fan of Dan on August 23, 2013, 01:55:18 AM
I have a 10K line of credit on a Chase BA card that I want to shift and then close the card. Thru SM I was told on $8,955 is available to transfer. Can anyone explain that? is this true? The 75 dollar annual fee is due on the card already and I didn't pay it yet, so could be why it's 8925 and not 9k but where did the extra 1k go?
Title: Re: Questions and Help for BEGINNERS!
Post by: Zevwolf on August 23, 2013, 01:10:34 PM
how could I see more posts per page?
Title: Re: Questions and Help for BEGINNERS!
Post by: AnonymousUser on August 23, 2013, 01:25:55 PM
how could I see more posts per page?
On top of the page, hover over Profile and click Account settings. Hover over Modify profile and click Look and layout. Scroll down towards the bottom; there's a dropdown menu.
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on August 26, 2013, 01:41:10 PM
On chase.com can personal and business cards be part of one account? I'm having trouble adding my Ink Plus to my online account
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on August 26, 2013, 01:43:43 PM
On chase.com can personal and business cards be part of one account? I'm having trouble adding my Ink Plus to my online account
AFAIK Personal cards can be added to the business card login,  but not the other way around.  Someone CMIIW.
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on August 26, 2013, 01:45:44 PM
So if I want my business and personal cards to show up in one place I have to open a new account for my business cards and then add my personal ones?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 26, 2013, 01:48:07 PM
So if I want my business and personal cards to show up in one place I have to open a new account for my business cards and then add my personal ones?

AFAIK yes.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on August 26, 2013, 07:06:13 PM
So if I want my business and personal cards to show up in one place I have to open a new account for my business cards and then add my personal ones?
You can also keep both logins if you want.
Title: Re: Questions and Help for BEGINNERS!
Post by: dsw193 on August 26, 2013, 07:43:00 PM
They did not want to merge my ink bold with personal checking/cc`s claiming that since I do not have business checking I will lose some options online and therefore won't work.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on August 26, 2013, 08:08:21 PM
AFAIK yes.

Wrong. They merged my business cards to my personal account.
Title: Re: Questions and Help for BEGINNERS!
Post by: Racer7400 on August 27, 2013, 12:24:10 AM

Wrong. They merged my business cards to my personal account.
+1 chase told me they can merge business to personal accounts.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on August 27, 2013, 12:41:58 AM
Wrong. They merged my business cards to my personal account.
+1 chase told me they can merge business to personal accounts.
Merge and add are not the same thing.
On chase.com can personal and business cards be part of one account? I'm having trouble adding my Ink Plus to my online account
Title: Re: Questions and Help for BEGINNERS!
Post by: Azis Papa on August 27, 2013, 03:48:32 AM
So if I want my business and personal cards to show up in one place I have to open a new account for my business cards and then add my personal ones?
I was told by Chase CS that you can't add a business CC account to a personal account.  It has to go the other way.  Chase CS was able to do it for me.  It's all under one login now.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on August 27, 2013, 07:52:02 PM
Merge and add are not the same thing.

It is the same thing, if you didn't jump over the context of his question. That is- having both accounts with the same login.

So if I want my business and personal cards to show up in one place I have to open a new account for my business cards and then add my personal ones?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on August 28, 2013, 12:53:35 AM
It is the same thing, if you didn't jump over the context of his question. That is- having both accounts with the same login.
Try and spin it any way you want it is not the same thing. I quoted the context I was talking about.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on August 28, 2013, 01:09:04 AM
Try and spin it any way you want it is not the same thing. I quoted the context I was talking about.

True, merge and add is different, but you were trying to point out that we weren't answering his question. We answered perfectly based on his posts. You took his question out of context for the heck of it.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on August 28, 2013, 01:18:41 AM
I am glad you now understand add and merge are not the same.  :)

I was pointing out you can't "add" a business card to a personal login. Just because you and another member posted you can merge the accounts does not change the fact that add does not work.

Since we are on the subject. After the merge is your login considered a personal login or a business login?
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on August 28, 2013, 01:30:00 AM
Since we are on the subject. After the merge is your login considered a personal login or a business login?

Mai nafka mina? (Basically what's the difference)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on August 28, 2013, 01:31:35 AM
Mai nafka mina? (Basically what's the difference)
Just wondering.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on August 28, 2013, 01:36:55 AM
Just wondering.

When logging in to the chase mobile app, the first screen makes you choose either business or personal, so I say both.
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on August 28, 2013, 09:19:26 AM
Are you guys fighting all because of my stupid question? :-[
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on August 28, 2013, 11:09:20 AM
Are you guys fighting all because of my stupid question? :-[
Fighting would insinuate the other guy is getting some shots in.  :)
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on August 28, 2013, 12:00:19 PM
Fighting would insinuate the other guy is getting some shots in.  :)

No need to get any shots in when dealing with a masochist :P
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on August 28, 2013, 07:08:09 PM
Can anyone remember the name of the member who can get good hotel rates?
Title: Re: Questions and Help for BEGINNERS!
Post by: dsw193 on August 28, 2013, 08:36:52 PM
Anyone knows what highlighted means?
(pic is from chase checking)
(http://s21.postimg.org/5k2qv7nzb/cccc.jpg) (http://postimage.org/)
TIA
Title: Re: Questions and Help for BEGINNERS!
Post by: Feivish on August 29, 2013, 03:32:38 PM
What are the chances of getting approved for 2 citi AA card?.
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on August 29, 2013, 05:01:55 PM
What are the chances of getting approved for 2 citi AA card?.

In how many days?
Title: Re: Questions and Help for BEGINNERS!
Post by: Azis Papa on August 29, 2013, 05:16:48 PM
If you apply and get declined for a CC, how long will the issuer keep that information?  I don't mean the credit reporting agencies.  It seems they will only record credit pulls. But does Chase or AMEX, for example, keep track of who applied & got rejected?
Title: Re: Questions and Help for BEGINNERS!
Post by: Feivish on August 29, 2013, 05:18:45 PM
In how many days?
2bm
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on August 29, 2013, 05:20:00 PM
Anyone knows what highlighted means?
(pic is from chase checking)
(http://s21.postimg.org/5k2qv7nzb/cccc.jpg) (http://postimage.org/)
TIA

Pic is giving an error.
Title: Re: Questions and Help for BEGINNERS!
Post by: Jeremiah on September 01, 2013, 04:15:32 AM
A basic q here but I can't figure out how to get what ur looking for thru the search.
How often can u sign up for the same cc and still get the sign up bonus? Do u have to close the card first? If yes how long does it have to be closed for. Tyvm
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on September 01, 2013, 04:57:28 AM
A basic q here but I can't figure out how to get what ur looking for thru the search.
How often can u sign up for the same cc and still get the sign up bonus? Do u have to close the card first? If yes how long does it have to be closed for. Tyvm
That's called Churning, just search for that.
Title: Re: Questions and Help for BEGINNERS!
Post by: Jeremiah on September 01, 2013, 06:42:53 AM
That's called Churning, just search for that.
thanks but I'm just looking for a simple list that says how often u should churn each card (on avg of course because I imagine that ymmv)
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on September 01, 2013, 08:26:41 AM
thanks but I'm just looking for a simple list that says how often u should churn each card (on avg of course because I imagine that ymmv)

I don't think there is a list with every card. If your looking at a specific card(s) either search and see if it's discussed or ask and see if you get an answer.
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on September 01, 2013, 09:08:10 PM
What are the current rules for an 18 year old getting a CC. Do they need a 21+ as joint account holder?
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on September 01, 2013, 10:25:10 PM
AFAIK there's no difference between 18 and 21 besides that a <21 can not apply over the phone.
Title: Re: Questions and Help for BEGINNERS!
Post by: bubbles on September 01, 2013, 10:29:41 PM
AFAIK there's no difference between 18 and 21 besides that a <21 can not apply over the phone.

My brothers recent experience was the same
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on September 01, 2013, 10:35:51 PM
IINM DovTheBear recently turned 18 and has quite a collection by now...
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on September 01, 2013, 10:37:13 PM
I think he only has secured cards. CMIIW.

#TheBabyDDFer
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on September 01, 2013, 10:38:49 PM
Not sure, maybe he can come in..
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on September 01, 2013, 10:42:33 PM
IINM DovTheBear recently turned 18 and has quite a collection by now...
Wow, pretty good memory. :)
My 'collection' consists of a meager 2 right now, but will hopefully be taking exponential leaps in the coming months, IY'H.  :D
I think he only has secured cards. CMIIW.

#TheBabyDDFer
Edit: Yes, my 2 are secured.
#ImNotAshamed
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on September 01, 2013, 10:47:34 PM
Nothing to be ashamed of, you're doing pretty good!
You're one of the very few newbies who (CMIIW) didn't irritate the elders here.
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on September 01, 2013, 10:48:31 PM
Nothing to be ashamed of, you're doing pretty good!
You're one of the very few newbies who (CMIIW) didn't irritate the elders here.
Yes, I believe that's how it was in those days.  8)
Title: Re: Re: Questions and Help for BEGINNERS!
Post by: joed25 on September 09, 2013, 09:51:05 PM
I recently got 2 chase personal cards (Sapphire and British). I would like to buy vanilla reloads but don't want to risk FR. If I buy them on each card does Chase consider it that I am spending X amount on my name on VRs and there would be more concern for FR or are the two cards totally separate?  Thank you.
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: notanonymous on September 10, 2013, 04:01:35 PM
I recently got 2 chase personal cards (Sapphire and British). I would like to buy vanilla reloads but don't want to risk FR. If I buy them on each card does Chase consider it that I am spending X amount on my name on VRs and there would be more concern for FR or are the two cards totally separate?  Thank you.
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: Marco Polo on September 10, 2013, 04:58:01 PM
I recently got 2 chase personal cards (Sapphire and British). I would like to buy vanilla reloads but don't want to risk FR. If I buy them on each card does Chase consider it that I am spending X amount on my name on VRs and there would be more concern for FR or are the two cards totally separate?  Thank you.
They don't necessarily know you are buying VR's. As long as you are not spending many many thousands on VR's in a very short period of time, you should not have to worry. 
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: notanonymous on September 10, 2013, 09:22:47 PM
They don't necessarily know you are buying VR's. As long as you are not spending many many thousands on VR's in a very short period of time, you should not have to worry.
I just realized that somehow my above post disappeared.  I would just add...make sure to mix in other spending as well.
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on September 12, 2013, 07:40:09 AM
They don't necessarily know you are buying VR's. As long as you are not spending many many thousands on VR's in a very short period of time, you should not have to worry.
I would just add...make sure to mix in other spending as well.
Any reports of IP/IB being closed for buying VR's/GC's?
Title: Re: Re: Re: Questions and Help for BEGINNERS!
Post by: Marco Polo on September 12, 2013, 08:24:17 AM
Any reports of IP/IB being closed for buying VR's/GC's?
I have not heard or experienced anything.

Title: Re: Questions and Help for BEGINNERS!
Post by: HP58 on September 13, 2013, 12:14:19 PM
I presently have 4 CCs (no Amex) & was recently (3 mo. ago) added on to my Dad's Amex as an AU. I want to apply for Starwood personal & business in the near future. Should I cancel the AU card before I apply or is it better that I'm an AU on an account w/ a long history?
Title: Re: Questions and Help for BEGINNERS!
Post by: Racer7400 on September 13, 2013, 12:15:31 PM
I presently have 4 CCs (no Amex) & was recently (3 mo. ago) added on to my Dad's Amex as an AU. I want to apply for Starwood personal & business in the near future. Should I cancel the AU card before I apply or is it better that I'm an AU on an account w/ a long history?
that
Title: Re: Questions and Help for BEGINNERS!
Post by: HP58 on September 16, 2013, 04:49:24 PM
that
Do i automatically have 15 years of history if i was added as an AU 3 months ago?
Title: Re: Questions and Help for BEGINNERS!
Post by: Immrmagic on September 16, 2013, 08:44:11 PM
I am not new to the miles and cards sign up bonuses but I went and got a bluebird card and went to staples and got 9 of the $200 gift cards and then went to Walmart in Long Island to load up the BB and the young cashier was a little confused which made me confused. He then called over a manager and they wouldn't load my BB card with the $1800 in gift cards. Not even $1000. Am I missing a piece of the puzzle? Something about a PIN number and or debit or credit. PLEASE HELP

SCOTT
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on September 16, 2013, 09:56:57 PM
I am not new to the miles and cards sign up bonuses but I went and got a bluebird card and went to staples and got 9 of the $200 gift cards and then went to Walmart in Long Island to load up the BB and the young cashier was a little confused which made me confused. He then called over a manager and they wouldn't load my BB card with the $1800 in gift cards. Not even $1000. Am I missing a piece of the puzzle? Something about a PIN number and or debit or credit. PLEASE HELP

SCOTT
I'm no pro, but it sounds like your problem is that you didn't set a pin. Bluebird can only be loaded with Debit cards (which are pin based transactions). In order to use your Visa/Mastercard GC you must set the PINs. Then return to Walmart and try loading them again (preferably without alerting the rep that its a GC).
There is also a $1000 a day limit to load to Bluebird-which resets at 1:00am, so go around then to load twice.
Please someone CMIIW.
Title: Re: Questions and Help for BEGINNERS!
Post by: raphy781 on September 22, 2013, 05:27:43 PM
I just booked my first award ticket, if someone can help me out I'd really appreciate it.
I booked a standard award ticket on United 1 way economy EWR to TLV for 75k miles.
If a saver award ticket opens up I would like to upgrade to business. How can I do that? Is there some kind of wait list I can be added to?
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on September 22, 2013, 05:42:32 PM
I just booked my first award ticket, if someone can help me out I'd really appreciate it.
I booked a standard award ticket on United 1 way economy EWR to TLV for 75k miles.
If a saver award ticket opens up I would like to upgrade to business. How can I do that? Is there some kind of wait list I can be added to?

75k for economy OW? That's about $1200 for a one way ticket.
Title: Re: Questions and Help for BEGINNERS!
Post by: raphy781 on September 22, 2013, 05:45:55 PM
75k for economy OW? That's about $1200 for a one way ticket.
My cheshbon was to end up with a business class ticket for 75k.
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on September 22, 2013, 05:47:23 PM
75k for economy OW? That's about $1200 for a one way ticket.

Well he did say it is his first mileage ticket,, now he just has to learn how to make the most out of his miles.. When you wanna travel? I kind of feel sad for you so maybe I'll help.
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on September 22, 2013, 05:47:51 PM
My cheshbon was to end up with a business class ticket for 75k.

Business is only 60k
Title: Re: Questions and Help for BEGINNERS!
Post by: raphy781 on September 22, 2013, 05:54:24 PM
Well he did say it is his first mileage ticket,, now he just has to learn how to make the most out of his miles.. When you wanna travel? I kind of feel sad for you so maybe I'll help.
Thanx so much everyone. I know the ins and outs of the rental business, but I'm new to the miles game.
I need to travel to Israel from New York preferably on October 1st, but I can leave September 30th or October 2nd as well.
I have BA miles, SPG  points and United miles.
Title: Re: Questions and Help for BEGINNERS!
Post by: raphy781 on September 22, 2013, 05:55:21 PM
Business is only 60k
Then I guess it's business first?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on September 22, 2013, 05:59:39 PM
Then I guess it's business first?
Yes.

Keep checking if business saver opens up (usually opens 3 hours before departure, if flight is not sold out) and then change it.

Title: Re: Questions and Help for BEGINNERS!
Post by: raphy781 on September 22, 2013, 06:00:52 PM
Yes.

Keep checking if business saver opens up (usually opens 3 hours before departure, if flight is not sold out) and then change it.
Would I get back the difference in mileage 15k? Is there a change fee?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on September 22, 2013, 06:04:50 PM
Would I get back the difference in mileage 15k? Is there a change fee?

Yes and yes. Though you can talk your way out of the fee pretty easily IME.
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on September 22, 2013, 06:08:33 PM
Thanx so much everyone. I know the ins and outs of the rental business, but I'm new to the miles game.
I need to travel to Israel from New York preferably on October 1st, but I can leave September 30th or October 2nd as well.
I have BA miles, SPG  points and United miles.

What's your stopover limit.

TLV-VIE-FRA-JFK (Oct 1st)?? Would that work. In business.  ::)
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on September 22, 2013, 06:11:04 PM
What's your stopover limit.

TLV-VIE-FRA-JFK (Oct 1st)?? Would that work. In business.  ::)
He needs to go NYC >TLV
Title: Re: Questions and Help for BEGINNERS!
Post by: chucksterace on September 22, 2013, 06:12:07 PM
He needs to go NYC >TLV

OHHHH,, MY BAD.. I take full responsibility for this mistake

ETA: In that case, EWR/JFK-FRA-ZRH-TLV (Oct 1-2)(Business)
Title: Re: Questions and Help for BEGINNERS!
Post by: HP58 on September 23, 2013, 12:30:02 PM
Is it OK to apply for Amex PRG if I'm an AU on my Dad's PRG?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on September 23, 2013, 12:31:41 PM
Is it OK to apply for Amex PRG if I'm an AU on my Dad's PRG?

Yes.
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on September 23, 2013, 04:14:42 PM
I have 30,000 Amex Delta points. I would like to close the card so I don't have to pay fee. Is there any other program I could transfer the Delta points to so I don't lose them?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on September 23, 2013, 04:26:19 PM
I have 30,000 Amex Delta points. I would like to close the card so I don't have to pay fee. Is there any other program I could transfer the Delta points to so I don't lose them?

You won't lose them.

Cobranded cards do not forfeit the already accrued points upon closure.
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on September 23, 2013, 04:59:57 PM
You won't lose them.

Cobranded cards do not forfeit the already accrued points upon closure.
Thank you
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on September 25, 2013, 12:30:01 AM
Remind me:

How many days after the AF is assessed on a BoA card can one get it refunded?

37?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on September 30, 2013, 09:36:36 PM
Remind me:

How many days after the AF is assessed on a BoA card can one get it refunded?

37?

Bump.
Title: Re: Questions and Help for BEGINNERS!
Post by: meshugener on September 30, 2013, 10:09:42 PM
37 is a Citi number.

I recall getting fee refunded after 40+ days with BofA, but that was a while ago.

Don't you think a simple phone call with a headset would be easier than posting + bumping?

I'm just trying to be rude.
Title: Re: Questions and Help for BEGINNERS!
Post by: joed25 on October 01, 2013, 12:08:42 AM
Question for "churners": how many credit cards could someone get approved for per year with good but not great credit score (700)? I know this depends on many factors but I would like to hear from people who do alot of churning how many cards they get approved for per year approximately. Thank you.
Title: Re: Questions and Help for BEGINNERS!
Post by: Lazegotit on October 05, 2013, 08:24:03 PM
I am an authorized user on the Amex Premier Rewards gold card so if I apply old prob get approved. Is it smart if I apply for the Blue Card preferred from Amex as well with the 2bm?
Title: Re: Questions and Help for BEGINNERS!
Post by: Lazegotit on October 06, 2013, 07:04:01 PM
I am an authorized user on the Amex Premier Rewards gold card so if I apply old prob get approved. Is it smart if I apply for the Blue Card preferred from Amex as well with the 2bm?

Bump.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on October 06, 2013, 07:13:47 PM
Bump.

Sure
Title: Re: Questions and Help for BEGINNERS!
Post by: ckmk47 on October 08, 2013, 08:12:14 PM
Is there a thread that gives a tutorial on using starwoods?

(I didn't even know I had free nights, and I just got an email with my 'october statement' !

I was just working on a 3 day trip to Chicago in the last week of October. )

Q: How do I find out how many starwoods a hotel is?

Is there a thread reviewing different hotels?

How early do you have to book it?

How do I go about doing the booking?

Thanks all!

 
Title: Re: Questions and Help for BEGINNERS!
Post by: george on October 08, 2013, 10:08:48 PM
Start with visiting spg.com (http://spg.com) and logging in.

Is there a thread that gives a tutorial on using starwoods?
AFAIK there is no thread that contains a tutorial.

(I didn't even know I had free nights, and I just got an email with my 'october statement' !
I was just working on a 3 day trip to Chicago in the last week of October. )
You may find that what you think are free nights are in fact just a tally of how many nights your account has been credited as having stayed at a starwood hotel this year, either from SPG Amex card sign-up bonus, or from actual nights stayed.

Q: How do I find out how many starwoods a hotel is?
First of all, the points are called Starpoints, and the company is called Starwood Hotels. The amount of Starpoints needed per night will be displayed when searching for a hotel.

Is there a thread reviewing different hotels?
Search and you'll find many threads.

How early do you have to book it?
You can book them until award availablity is sold out  :P

How do I go about doing the booking?
Bookings can be done online.

Thanks all!
Title: Re: Questions and Help for BEGINNERS!
Post by: ckmk47 on October 10, 2013, 02:26:15 AM
Thank you george.

This didn't come up under unread posts, so I only found it now.

I'll get on it right away.  First to see if i really have any free nights, then to see if I want to spend my own starpoints on a stay in a starwoods hotel. ;D
Title: Re: Questions and Help for BEGINNERS!
Post by: Newcc on October 10, 2013, 10:18:49 PM
Question: is there a working phone app for ddf? I found one in the Google pay store but when I open it there's always a error.
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on October 10, 2013, 10:20:15 PM
Question: is there a working phone app for ddf? I found one in the Google pay store but when I open it there's always a error.
https://play.google.com/store/apps/details?id=com.quoord.tapatalkpro.activity&hl=en
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on October 10, 2013, 10:20:44 PM
Question: is there a working phone app for ddf? I found one in the Google pay store but when I open it there's always a error.
The one commonly used is Tapatalk.

Edit: Ech, Achas! :)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on October 12, 2013, 09:12:59 PM
Does UA offer companion tickets with any of their CC promos?
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on October 12, 2013, 11:22:03 PM
Does UA offer companion tickets with any of their CC promos?

Not that I'm aware of.

(but then again I'm a young grasshopper :p)
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on October 13, 2013, 07:40:57 AM
Not that I'm aware of.

(but then again I'm a young grasshopper :p)
That's what this thread is, young grasshoppers teaching each other to fly...
Title: Re: Questions and Help for BEGINNERS!
Post by: Jkhein on October 16, 2013, 08:15:47 AM
how do I paste a screenshot or picture to a post?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on October 16, 2013, 09:37:11 AM
I need to book someone a UA/OS flight. Which is the best airline to transfer my Amex points to for this specific flight?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on October 16, 2013, 09:48:18 AM
how do I paste a screenshot or picture to a post?
Of it's a picture on your computer or phone it can be put up as an attachment (not available through the quick reply). If it's a picture online it can be embedded by putting ithe link between [img][/img]
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on October 16, 2013, 11:15:34 AM
I need to book someone a UA/OS flight. Which is the best airline to transfer my Amex points to for this specific flight?

Depends which flight :P
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on October 16, 2013, 11:19:50 AM
I need to book someone a UA/OS flight. Which is the best airline to transfer my Amex points to for this specific flight?

One of the flights is LH too.

      Anyone?  Aeroplan?  Singapore?
Title: Re: Questions and Help for BEGINNERS!
Post by: AJK on October 16, 2013, 11:24:34 AM
See ^.
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on October 16, 2013, 11:35:09 AM

One ticket from DTW-VIE in mixed class Business/First LH
VIE-DTW in Business on LH

And another ticket Starting in NY-heading to DTW (on UA)  to catch the same route.

 
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on October 16, 2013, 01:08:14 PM
Does Amex consider Walmart groceries?
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on October 16, 2013, 01:27:10 PM
Does Amex consider Walmart groceries?
Probably depends on how the store is coded.
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on October 16, 2013, 01:31:11 PM
Probably depends on how the store is coded.

Anyone with experience?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on October 16, 2013, 01:37:11 PM
Anyone with experience?
FWIW Chase classifies it as 'Miscellaneous'.
Title: Re: Questions and Help for BEGINNERS!
Post by: Dan on October 16, 2013, 02:01:19 PM
FWIW Chase classifies it as 'Miscellaneous'.
Every store can be different.
Title: Re: Questions and Help for BEGINNERS!
Post by: HP58 on October 16, 2013, 02:19:24 PM
Every store can be different.
Can anyone chime in with experience at Walmart in Lkwd with Amex?
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on October 16, 2013, 02:37:40 PM
Can anyone chime in with experience at Walmart in Lkwd with Amex?

On my statement form March is said "DISCOUNT STORE"
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on October 16, 2013, 03:20:08 PM
On my statement form March is said "DISCOUNT STORE"

Darn.
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on October 16, 2013, 03:50:29 PM
Darn.

Why were you hoping it would be groceries?
Title: Re: Questions and Help for BEGINNERS!
Post by: yuneeq on October 16, 2013, 04:16:57 PM
6% cash back on Blue cash preferred
Title: Re: Questions and Help for BEGINNERS!
Post by: HP58 on October 17, 2013, 02:02:38 AM
6% cash back on Blue cash preferred
Is that always or just this Q?
Title: Re: Questions and Help for BEGINNERS!
Post by: flyingBlue on October 17, 2013, 02:11:29 AM
What means +1?
Title: Re: Questions and Help for BEGINNERS!
Post by: notanonymous on October 17, 2013, 02:13:58 AM
What means +1?
You have a favorable outlook on a certain post.
Title: Re: Questions and Help for BEGINNERS!
Post by: notanonymous on October 17, 2013, 02:15:56 AM
Or...

"plus one"
Usually written '+1', used in a forum post to indicate that the post serves no purpose other than to increase the poster's postcount. Usually used after an empty post along the lines of 'I agree'. Often used in a sarcastic manner to indicate the pointlessness of the entire thread.
Title: Re: Questions and Help for BEGINNERS!
Post by: flyingBlue on October 17, 2013, 02:19:56 AM
Or...

"plus one"
Usually written '+1', used in a forum post to indicate that the post serves no purpose other than to increase the poster's postcount. Usually used after an empty post along the lines of 'I agree'. Often used in a sarcastic manner to indicate the pointlessness of the entire thread.
now you really provided me with a +1 answer ...:)
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on October 17, 2013, 04:00:29 AM
Does Amex consider Walmart groceries?
No. In case someone asks, no for Target also.  :P
Title: Re: Questions and Help for BEGINNERS!
Post by: Centro on October 17, 2013, 07:54:21 AM
Is that always or just this Q?
Always.
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on October 17, 2013, 08:12:26 AM
No. In case someone asks, no for Target also.  :P
How about K-mart?
Title: Re: Questions and Help for BEGINNERS!
Post by: CountValentine on October 17, 2013, 09:30:32 AM
How about K-mart?
Isn't bad enough I have to go to WM.  >:(
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on October 17, 2013, 11:10:47 AM
I am trying to help a friend fly to London in several months in Business Class by using points / miles.
What would the best option be? He currently has no alliance membership, but want to apply for the (2-3) credit cards that will make it possible.

Any advice would be helpful. I still haven't figured out how to do this properly :(
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on October 17, 2013, 11:20:01 AM
I am trying to help a friend fly to London in several months in Business Class by using points / miles.
What would the best option be? He currently has no alliance membership, but want to apply for the (2-3) credit cards that will make it possible.

Any advice would be helpful. I still haven't figured out how to do this properly :(

He can open a chase Sapphire,  United and Ink Plus and he'd be good to go. Does he have good credit?
Title: Re: Questions and Help for BEGINNERS!
Post by: lfas25 on October 17, 2013, 11:24:48 AM
He can open a chase Sapphire,  United and Ink Plus and he'd be good to go. Does he have good credit?

I believe he has good credit.
Approx how many miles will be needed to fly with United miles?
Title: Re: Questions and Help for BEGINNERS!
Post by: sambo on October 17, 2013, 12:31:13 PM
hello. i am from canada. I've followed various suggestions from Dan regarding credit cards with points, transfers and the such. Is there any recommendation for credit cards in canada? I can't just get US cards as that makes no sense for us. What do you suggest?
Title: Re: Questions and Help for BEGINNERS!
Post by: Achas Veachas on October 17, 2013, 12:46:26 PM
hello. i am from canada. I've followed various suggestions from Dan regarding credit cards with points, transfers and the such. Is there any recommendation for credit cards in canada? I can't just get US cards as that makes no sense for us. What do you suggest?
I'm pretty sure SPG has a Canadian card, though I can't find it in dans post now.
Title: Re: Questions and Help for BEGINNERS!
Post by: tageed-lee on October 17, 2013, 10:00:39 PM
hello. i am from canada. I've followed various suggestions from Dan regarding credit cards with points, transfers and the such. Is there any recommendation for credit cards in canada? I can't just get US cards as that makes no sense for us. What do you suggest?

Here is a good thread for you......... http://forums.dansdeals.com/index.php?topic=5341.270
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on October 18, 2013, 11:57:40 AM
My sister is flying with her kids on US Airways. What's the best way to get into the lounges in PHL?
   
Also, any chance they will let her in with an expired day pass?
Title: Re: Questions and Help for BEGINNERS!
Post by: AvrumyW on October 18, 2013, 12:10:10 PM
i want to try a 3bm on chase and american express. whats the best cards to try with just a debit card from td?
Title: Re: Questions and Help for BEGINNERS!
Post by: itsyehuda on October 18, 2013, 01:19:05 PM
i want to try a 3bm on chase and american express. whats the best cards to try with just a debit card from td?

The best cards are the ones you would like best.

As far as ease of getting the cards, if you have a short / non-existent credit history, you will be better off going for non "Signature" cards with Chase. I would say Sapphire Preferred is easy to get because it is in their own currency. Freedom should be good too, and that's always good to have in your wallet.

As far as Amex, go for the SPG. I've seen them issue it to a small credit line, and those points are considered to be tops.

Citi AA cards might be another good avenue to try. Use the most current 50K links you can get your hands on.
Title: Re: Questions and Help for BEGINNERS!
Post by: HP58 on October 18, 2013, 04:19:15 PM
I would say Sapphire Preferred is easy to get because it is in their own currency.
CMIIW, but AFAIK they don't issue Sapphire Preferred w/ less than 5k CL, which I doubt they'll give to s/o w/ little to no credit history.
Title: Re: Questions and Help for BEGINNERS!
Post by: notanonymous on October 18, 2013, 04:33:47 PM
CMIIW, but AFAIK they don't issue Sapphire Preferred w/ less than 5k CL, which I doubt they'll give to s/o w/ little to no credit history.
+1 IME, Freedom, BA, and United (non signature) were easier.
Title: Re: Questions and Help for BEGINNERS!
Post by: itsyehuda on October 19, 2013, 10:09:38 PM
+1 IME, Freedom, BA, and United (non signature) were easier.

I did recommend Freedom, but for cards with mega bonuses, I found the Sapphire to be easiest for those with skimpy CH.

They gave the Sapphire Preferred to my brother when they wouldn't give him anything else, because they weren't able to give him the 5K CL at the time.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on October 19, 2013, 10:14:14 PM
+1 IME, Freedom, BA, and United (non signature) were easier.
+1

I did recommend Freedom, but for cards with mega bonuses, I found the Sapphire to be easiest for those with skimpy CH.

They gave the Sapphire Preferred to my brother when they wouldn't give him anything else, because they weren't able to give him the 5K CL at the time.
So how did they approve him for the SP  if they weren't able to give him a $5k CL?
Title: Re: Questions and Help for BEGINNERS!
Post by: itsyehuda on October 19, 2013, 10:15:27 PM
+1
So how did they approve him for the SP  if they weren't able to give him a $5k CL?

They gave a non signature version of the Sapphire Preferred.
Title: Re: Questions and Help for BEGINNERS!
Post by: Saver2000 on October 19, 2013, 10:16:12 PM
They gave a non signature version of the Sapphire Preferred.
Isn't that the regular sapphire (not preferred)  with no sign up bonus?
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on October 19, 2013, 10:16:28 PM
They gave a non signature version of the Sapphire Preferred.
Did he have $$ for leverage?
Title: Re: Questions and Help for BEGINNERS!
Post by: itsyehuda on October 19, 2013, 10:17:49 PM
+1 IME, Freedom, BA, and United (non signature) were easier.

My new BA card is a Signature
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on October 19, 2013, 11:11:03 PM
1)Can I use someone else's AAdvantage (points?)?
2)Can someone please point me to a thread or mainsite post on their uses?
TIA
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on October 19, 2013, 11:13:28 PM
1)Can I use someone else's AAdvantage (points?)?
2)Can someone please point me to a thread or mainsite post on their uses?
TIA
Yes to 1.
Title: Re: Questions and Help for BEGINNERS!
Post by: notanonymous on October 19, 2013, 11:53:37 PM
1)Can I use someone else's AAdvantage (points?)?
2)Can someone please point me to a thread or mainsite post on their uses?
TIA
2) Sell them?
Title: Re: Questions and Help for BEGINNERS!
Post by: sky121 on October 19, 2013, 11:54:46 PM
RT coach tickets to Europe for 40k points are always nice.
Title: Re: Questions and Help for BEGINNERS!
Post by: Smartypantz on October 21, 2013, 02:30:56 PM
I bought Vanilla reloads and cashed them out. Whats the best way to pay my Amex bill without depositing the cash? I always did it for chase cards and paid the bill right there at the branch.....
Title: Re: Questions and Help for BEGINNERS!
Post by: DovtheBear on October 21, 2013, 03:14:09 PM
RT coach tickets to Europe for 40k points are always nice.
Link?
Title: Re: Questions and Help for BEGINNERS!
Post by: MEIR613 on October 29, 2013, 10:13:47 PM
My sister is flying with her kids on US Airways. What's the best way to get into the lounges in PHL?
   
Also, any chance they will let her in with an expired day pass?
Amex plat.

Probably won't work.

FYI: I had a pass for the UA club that expired 12/30 and they wouldn't let me use it on 12/31.
Title: Re: Questions and Help for BEGINNERS!
Post by: itsyehuda on October 30, 2013, 12:22:02 AM
Amex plat.

Probably won't work.

FYI: I had a pass for the UA club that expired 12/30 and they wouldn't let me use it on 12/31.

I just learned that Domestic Business doesn't get you into United Club.
Title: Help , with building credit score .
Post by: nati on October 30, 2013, 08:32:36 AM
Hi, i just got approved for a 500$ discover student .
what is the best way to get my score and limit up ?
should i use it all the time , and pay immediately OR use it only for 150$ a moth ?
i tried reading  online but i got conflicting answers !
btw this is my first credit card so i have no credit history at all and its a joint account ( just in case that changes any thing of how to build my credit score )
thanks
Title: Re: Help , with building credit score .
Post by: notanonymous on October 30, 2013, 08:59:39 AM
How often per month you use it does not affect your credit score.  The most important things is to make sjre it is PAID OFF BEFORE the statement closes.
Title: Re: Help , with building credit score .
Post by: raphy781 on October 30, 2013, 09:13:40 AM
Hi, i just got approved for a 500$ discover student .
what is the best way to get my score and limit up ?
should i use it all the time , and pay immediately OR use it only for 150$ a moth ?
i tried reading  online but i got conflicting answers !
btw this is my first credit card so i have no credit history at all and its a joint account ( just in case that changes any thing of how to build my credit score )
thanks
There is a thread dedicated to helping out credit card beginners. You can try posting there.
In short
1 Use your card (make sure there is some credit used when the statement closes)
2 Pay on time
3 Dont use a large percentage of your available credit
Title: Re: Help , with building credit score .
Post by: notanonymous on October 30, 2013, 09:16:49 AM
There is a thread dedicated to helping out credit card beginners. You can try posting there.
In short
1 Use your card (make sure there is some credit used when the statement closes)
2 Pay on time
3 Dont use a large percentage of your available credit
Although the bank likes to see usage, having a small balance at closing does not improve your credit score, more than having a zero balance.  CMIIW
Title: Re: Help , with building credit score .
Post by: raphy781 on October 30, 2013, 09:17:04 AM
How often per month you use it does not affect your credit score.  The most important things is to make sjre it is PAID OFF BEFORE the statement closes.
-1
Definitely do not pay off your entire balance before the statememt closes.
Title: Re: Questions and Help for BEGINNERS!
Post by: Smartypantz on October 30, 2013, 09:25:09 AM
I bought Vanilla reloads and cashed them out. Whats the best way to pay my Amex bill without depositing the cash? I always did it for chase cards and paid the bill right there at the branch.....

anyone?
Title: Re: Help , with building credit score .
Post by: hertzinstl on October 30, 2013, 09:25:50 AM
So which one is it? Pay it off completely? Or leave some on?
Title: Re: Questions and Help for BEGINNERS!
Post by: Marco Polo on October 30, 2013, 09:27:22 AM
anyone?
Write a check to yourself and then deposit it in your account.
Title: Re: Help , with building credit score .
Post by: lfas25 on October 30, 2013, 09:27:31 AM
So which one is it? Pay it off completely? Or leave some on?

I'm pretty sure its better to leave some on
Title: Re: Help , with building credit score .
Post by: sky121 on October 30, 2013, 09:27:42 AM
So which one is it? Pay it off completely? Or leave some on?

Leave some on before statement closes. Pay it off completely before it's due.
Title: Re: Questions and Help for BEGINNERS!
Post by: hertzinstl on October 30, 2013, 09:28:20 AM
anyone?
Bluebird
Title: Re: Help , with building credit score .
Post by: raphy781 on October 30, 2013, 09:31:00 AM
So which one is it? Pay it off completely? Or leave some on?
Let the experts weigh in, but I'm pretty sure it's beneficial to let the statement close with a small balance. This way it shows you use your credit and pay back what you use. Whereas if you let the statement close with no balan