DansDeals.com Forums

DansDeals Forum => Credit Cards => Topic started by: Dan on June 07, 2011, 11:29:45 AM

Title: DansDeals Credit Card Links And FAQ's: Your Support Keeps This Site Running!
Post by: Dan on June 07, 2011, 11:29:45 AM
Click Here (https://o1.qnsr.com/cgi/r?;n=203;c=1640532;s=23026;x=7936;f=201706011450070;u=j;z=TIMESTAMP;src=640117;) to get more details on this card and compare to other cards!

"3 Browser Method"
The 3 browser method (3BM) is a technique that I've been using for 10 years with that has since spread across the web.  It has helped me accumulate hundreds of credit cards (including dozens of the same exact card) along with millions of miles for free.  There's no reason you can't do it as well! Basically the idea is to apply for 3 different credit cards from the same bank (Either from AMEX, Chase, Citi, etc.) at the same exact time using 3 different web browsers, like Chrome, Firefox, Internet Explorer, Safari, etc, etc.


When you do so you typically will only get 1 credit hit regardless of how many cards you apply for.
It also increases your odds of getting instantly improved for multiple cards as opposed to applying for multiple cards at separate times.

Credit Pulls:
In every state different banks will pull from different credit agencies.  The credit agencies are Experian, Equifax, and Transunion.
See this thread for info on where people are saying each bank pulls from in their state. (http://www.dansdeals.com/forums/index.php?topic=6373)
Most banks pull from just one agency, but Capital One is known as being evil for pulling from all 3 agencies.

Credit Freezing:
If you live on a state like NJ, where the major banks all pull from Experian you may have a lot of hard pulls on one report but none on other reports.  Too many hard pulls in the past 6 months is often a factor for being denied for a card. 
People have had success freezing their Experian and one other report when applying for a Chase card to get Chase to pull from an agency where you have fewer hard pulls-making it easier to get approved.  You may need to call Chase to let them know which of your reports is not frozen.

The costs are outlined here (http://www.consumersunion.org/campaigns/learn_more/003484indiv.html). It might make sense to be a victim of identity theft, as is seems it'll make freezing and unfreezing your reports free for life. The links for initiating a freeze online may not be current in that article, here are the current links:

Equfax (https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp)
Experian (https://www.experian.com/freeze/center.html)
TransUnion (http://www.transunion.com/corporate/personal/fraudIdentityTheft/fraudPrevention/securityFreeze.page)

Reconsideration:
Even if you are rejected you can always ask for reconsideration for approval.  Be proactive by offering to have older cards closed or have credit lines shifted around from older cards to newer cards.

AMEX: 866-314-0237 (Application reconsideration)
Membership Rewards: 800-297-3276

BoFA:
866-530-9829 personal
800-481-8277 business


Citi:
Citi: 866-606-2787 (Account Analyst)
Citi: 888-201-4523 (New App Approval Status)
Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453
Citi: 800-444-2568 (Retention Dept.)
Citi: 800-763-9795 (Credit Dept.)
Citi Credit Bureau Dispute Fax: 866-713-5028

Many people have also had better luck writing to the office of the President for reconsideration on Citi cards:
Mr. Ken Stork
Office of the President
PO Box 6000
Sioux Falls, SD 57117

Retention Bonuses:
Before cancelling a card that carries an annual fee, try asking for a retention bonus.
More info in this thread. (http://www.dansdeals.com/forums/index.php?topic=1572)

Annual Fee Refund:
There is a grace period for cancelling a card after the appearance of an annual fee to get the fee waived.  This is true with new cards that have a fee due immediately and true for cards that have been open for a year and have a fee that posted to the statement.  The length of the grace period differs by bank.




Title: Re: DansDeals Credit Card Links
Post by: myb821 on June 07, 2011, 11:31:53 AM
u should prob sticky this at the top of the cc forum
Title: Re: DansDeals Credit Card Links
Post by: kayef on June 07, 2011, 12:20:42 PM
where is hyatt?
Title: Re: DansDeals Credit Card Links
Post by: Dan on June 07, 2011, 12:23:35 PM
where is hyatt?
Added, thanks!
Title: Re: DansDeals Credit Card Links
Post by: skyguy918 on June 07, 2011, 01:47:48 PM
aadvantage?
Title: Re: DansDeals Credit Card Links
Post by: haxx19 on June 07, 2011, 01:56:00 PM
Been waiting for a consolidated thread like this! Sticky!
Title: Re: DansDeals Credit Card Links
Post by: bem684 on June 07, 2011, 02:12:03 PM
thank you Dan!  one stop shopping!
Title: Re: DansDeals Credit Card Links
Post by: Dan on June 07, 2011, 02:26:56 PM
aadvantage?
http://www.dansdeals.com/forums/index.php?topic=3104
Title: Re: DansDeals Credit Card Links
Post by: skyguy918 on June 07, 2011, 02:31:18 PM
I meant why wasn't it on this thread.
Title: Re: DansDeals Credit Card Links
Post by: myb821 on June 07, 2011, 02:38:35 PM
its not his personalized link their are only generic links
Title: Re: DansDeals Credit Card Links
Post by: Nitantnel on June 07, 2011, 02:43:08 PM
Can you also add a column with the bonuses, and the possible bonuses (via matching). Or this way, instead of the linking directly to the signup page, link to where it is explained on DD. From there you would be able to decide and then sign up.
Title: Re: DansDeals Credit Card Links
Post by: azhoopsfan on June 07, 2011, 04:37:17 PM
Why no Hilton Amex?
Title: Re: DansDeals Credit Card Links
Post by: MnM1130 on June 08, 2011, 06:05:27 PM
amazing! thanks!
now let me able to just be approved for ccs....
Title: Re: DansDeals Credit Card Links
Post by: EliH on June 08, 2011, 06:24:35 PM
Can you please put the active sign up offer next to each one
Title: Re: DansDeals Credit Card Links
Post by: Zeeeeks on June 11, 2011, 11:18:14 PM
My friend was targeted for the for the 75k PRG offer. Is there a way for him to sign up using the DD link and use the offer code?
Title: Re: DansDeals Credit Card Links
Post by: Cholentfresser on June 11, 2011, 11:45:30 PM
he can use the DD link and then call and say u got the offer in the mail. depending on the CSR you get, they might make you send in a copy of the offer.
Title: Re: DansDeals Credit Card Links
Post by: kivabb on June 12, 2011, 08:04:57 PM
Dan, are you making sticky for this on top of CC forum page?
Title: Re: DansDeals Credit Card Links
Post by: Dan on June 14, 2011, 11:44:53 PM
Updated with some of the bonuses/benefits of each card.
Title: Re: DansDeals Credit Card Links
Post by: Nitantnel on June 15, 2011, 10:22:02 AM
Updates with some of the bonuses/benefits of each card.

Thanks!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on June 15, 2011, 11:22:01 AM
Added some FAQs and recon numbers.

If you have more recon numbers or would like to add to the FAQ just post it here and I'll add it to the OP.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on June 15, 2011, 11:27:24 AM
gr8 job
Title: Re: DansDeals Credit Card Links
Post by: Zeeeeks on June 15, 2011, 11:28:37 AM
Updated with some of the bonuses/benefits of each card.
This is awesome :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yaakov s on June 15, 2011, 11:31:03 AM
UA 50k match? No mention of that .
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on June 15, 2011, 12:09:26 PM
Updated with some of the bonuses/benefits of each card.
Added some FAQs and recon numbers.

If you have more recon numbers or would like to add to the FAQ just post it here and I'll add it to the OP.

Great thread! thanks!!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: shmiel on June 15, 2011, 12:42:18 PM
Awesome thread!
Title: Re: DansDeals Credit Card Links
Post by: shmiel on June 15, 2011, 12:43:44 PM
My friend was targeted for the for the 75k PRG offer. Is there a way for him to sign up using the DD link and use the offer code?
If he has the offer, then you have nothing to worry about, they will honor it even if you use the links here.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on June 15, 2011, 12:58:37 PM
UA 50k match? No mention of that .
Added, thanks.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on June 15, 2011, 03:10:35 PM
More FAQ info added.
Please post any other suggestions for the OP.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on June 15, 2011, 03:45:11 PM
Wow! Great compilation.  Thanx Dan.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on June 16, 2011, 10:39:29 AM
Barclay's USAirways?

BoA Alaska Air?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on June 16, 2011, 10:41:20 AM
Excellent thread. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on June 16, 2011, 03:06:54 PM
Thanks Dan!
I am officially hooked with 650k miles in 5 months! Even though i am going to keep the miles I was quoted $9k to sell.

What do you do with the all credit cards close them and reopen? or wait till the free year is up and then cancel?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: juda on June 16, 2011, 04:53:43 PM
Thanks Dan!
I am officially hooked with 650k miles in 5 months! Even though i am going to keep the miles I was quoted $9k to sell.

What do you do with the all credit cards close them and reopen? or wait till the free year is up and then cancel?
please provide the list of all your cc and the time you applyed for it .     

(if you want )



thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Smokey Joe Robinson on June 16, 2011, 11:24:00 PM
Great Thread Dan, perfect for n00bs and definitely helpful for veterans (or wtvr ye call them) Looks like a lotta work went into it.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on June 21, 2011, 07:41:22 AM
Dan, no Cap1 links?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on June 21, 2011, 12:24:22 PM
Dan, no Cap1 links?
Nope.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: joey89 on June 21, 2011, 03:11:07 PM
Thanks dan for all the good u do
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: T kay on June 21, 2011, 05:38:22 PM
thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on June 22, 2011, 09:32:49 AM
please provide the list of all your cc and the time you applyed for it .     

(if you want )



thanks


2 platinum =200k, 4 chase bank accounts = 100k (dead), 2 continental cc =100k and $50 statement credit for each card (now its 30k and $50), British airways cc = 100k (dead), 2 united 60k and $50 statement credit for each card (now its 30k and $50), AA Citibank 100k



thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on June 22, 2011, 12:51:48 PM
Maybe add links for "first card"
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on June 22, 2011, 01:17:22 PM
I had signed up for the 50k bonus and then made them meshugah till I got the extra 50K, cancelled card and did it again!!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 22, 2011, 02:32:57 PM
I need some help in the game.  I have been playing for a lil while and here is where Im at and what I need.

I signed up for:
- AA 100k offer in December 2010- spent the money and got the mileage.
- BA 100k offer- spent the money and got the mileage
- Amex Plat 100k- spent the money and got the mileage and so much more with lounges and resort credits on stays of vacation.  Woohoo! (Opened for my wife and same result as well.)
- Amex Gold 50k- spent the money and got the mileage.  (opened for wife and same result)
All these cards still remain open.

Then, most recently i applied for the Hyatt, 2 chase cards and my credit score went down with the applications and I was denied all three cards.  I called 2x and they told me both times that I had too many pulls in the last 6 months.  I tried to negotiate to cancel other cards or to switch balances...no avail on either.

Am I supposed to wait now for 3 months or should I keep trying?  When do I cancel the ones open?
Some advice for me on any of these issues?  I need more points :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 22, 2011, 02:35:02 PM
I need some help in the game.  I have been playing for a lil while and here is where Im at and what I need.

I signed up for:
- AA 100k offer in December 2010- spent the money and got the mileage.
- BA 100k offer- spent the money and got the mileage
- Amex Plat 100k- spent the money and got the mileage and so much more with lounges and resort credits on stays of vacation.  Woohoo! (Opened for my wife and same result as well.)
- Amex Gold 50k- spent the money and got the mileage.  (opened for wife and same result)
All these cards still remain open.

Then, most recently i applied for the Hyatt, 2 chase cards and my credit score went down with the applications and I was denied all three cards.  I called 2x and they told me both times that I had too many pulls in the last 6 months.  I tried to negotiate to cancel other cards or to switch balances...no avail on either.

Am I supposed to wait now for 3 months or should I keep trying?  When do I cancel the ones open?
Some advice for me on any of these issues?  I need more points :)

What bureaus are your pulls with (breakdown please)? Perhaps you should consider a credit freeze (do a search in the CC forum and read about it).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 22, 2011, 02:39:15 PM
I read about that.  I dont know which one they pull from.   I monitor on MYFico so I dont know all the bureaus used bec it only gives me one bureau.  How do I check that?  Also, how long should I freeze it for?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 22, 2011, 02:42:18 PM
I read about that.  I dont know which one they pull from.   I monitor on MYFico so I dont know all the bureaus used bec it only gives me one bureau.  How do I check that?  Also, how long should I freeze it for?

Use identity monitor (again, a search in the CC forum will give you all the details), just don't forget to cancel within 30 days. Freeze for as little or as long as you want.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 22, 2011, 02:45:14 PM
and what about cancelling the ones open?  should I cancel them all and not worry about the credit score consequences?  what do you do generally?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 22, 2011, 02:51:07 PM
and what about cancelling the ones open?  should I cancel them all and not worry about the credit score consequences?  what do you do generally?

No need to cancel any. You can use them as leverage when you apply, offering to close a current card in order to get approved for a new one. If you haven't tried that yet with your recent Hyatt app, you should.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 22, 2011, 03:01:14 PM
I tried applying for those already.  Does that preclude me from applying again?  Or do i have to wait til i freeze the credit reports?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 22, 2011, 03:11:17 PM
I tried applying for those already.  Does that preclude me from applying again?  Or do i have to wait til i freeze the credit reports?

Either you didn't read those threads, or you're obtuse, time for some spoon-feeding.

If you didn't try offering to close your previous Chase cards to get one of the recent apps approved, then you should. If that doesn't work, you should considering freezing one/two of your credit reports. Sign up for identity monitor and you'll know which banks pulled which reports. Freeze the report(s) with the most recent inquiries/pulls, and wait 30 days since your recent Chase applications, then you can apply for Chase and you're more likely to be approved.

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on June 22, 2011, 03:16:27 PM
No need to cancel any. You can use them as leverage when you apply, offering to close a current card in order to get approved for a new one. If you haven't tried that yet with your recent Hyatt app, you should.

How come chase made hard pills on both experian and equifax but not transunion?I have 10 pulls on Equifax since Feb last year, 7 on experian since Jan 2010 and only 2 on transunion the first ever on Oct 2010.
Amex only used Experian does freezing work for amex as well?
Any ideas of how I could get more miles/points?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on June 22, 2011, 03:16:47 PM
Either you didn't read those threads, or you're obtuse, time for some spoon-feeding.

If you didn't try offering to close your previous Chase cards to get one of the recent apps approved, then you should. If that doesn't work, you should considering freezing one/two of your credit reports. Sign up for identity monitor and you'll know which banks pulled which reports. Freeze the report(s) with the most recent inquiries/pulls, and wait 30 days since your recent Chase applications, then you can apply for Chase and you're more likely to be approved.
also if u tell us where u live we will have a better idea of where ur pulls come from
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on June 22, 2011, 03:52:57 PM
also if u tell us where u live we will have a better idea of where ur pulls come from

Florida
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 22, 2011, 03:55:56 PM
also if u tell us where u live we will have a better idea of where ur pulls come from

Los Angeles
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 22, 2011, 04:00:24 PM
Either you didn't read those threads, or you're obtuse, time for some spoon-feeding.

If you didn't try offering to close your previous Chase cards to get one of the recent apps approved, then you should. If that doesn't work, you should considering freezing one/two of your credit reports. Sign up for identity monitor and you'll know which banks pulled which reports. Freeze the report(s) with the most recent inquiries/pulls, and wait 30 days since your recent Chase applications, then you can apply for Chase and you're more likely to be approved.



Sorry, Not trying to be obtuse- I am simply and clearly not as experienced at the game as you are apparently.  But, dont worry, with your help and the forum I will get there slowly.  Either way, thanks for the spoon feed.

I signed up for ID Monitor.  I dont see where to tell which agency they pulled from.  It just says the name of who pulled, date and the loan type.  How do I find out the specific bureau used?

Thanks



Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on June 22, 2011, 04:03:46 PM
Sorry, Not trying to be obtuse- I am simply and clearly not as experienced at the game as you are apparently.  But, dont worry, with your help and the forum I will get there slowly.  Either way, thanks for the spoon feed.

I signed up for ID Monitor.  I dont see where to tell which agency they pulled from.  It just says the name of who pulled, date and the loan type.  How do I find out the specific bureau used?

Thanks
did u click on the link on the top left that says get 3 bureau report
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 22, 2011, 04:03:53 PM
Sorry, Not trying to be obtuse- I am simply and clearly not as experienced at the game as you are apparently.  But, dont worry, with your help and the forum I will get there slowly.  Either way, thanks for the spoon feed.

I signed up for ID Monitor.  I dont see where to tell which agency they pulled from.  It just says the name of who pulled, date and the loan type.  How do I find out the specific bureau used?

Thanks
You need to click for the 3 in 1 report (it's free), on the left sidebar after you log in.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 22, 2011, 04:09:22 PM
You need to click for the 3 in 1 report (it's free), on the left sidebar after you log in.

Ok now were talking.  So clearly Experian has been hit the most times and Transunion the less times and Equifax the least.  So I guess I should freeze Experian and force the next inquiry to one of the latter 2.  Right?  Is there a wait time from time of freeze to application?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 22, 2011, 04:11:37 PM
Ok now were talking.  So clearly Experian has been hit the most times and Transunion the less times and Equifax the least.  So I guess I should freeze Experian and force the next inquiry to one of the latter 2.  Right?  Is there a wait time from time of freeze to application?

Why not freeze both Experian and TU? Experian told me 15 minutes until the freeze is on my report, YMMV.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 22, 2011, 05:49:55 PM
Ok, so I will be freezing those 2 bureaus.  Now in your experience does that result in the applications then going directly to the remaining bureau or will i have to then call and do some explaining?
Also, I remember recently reading on the DDF's about someone who tried to do that and AMEX asked them for the PIN to unfreeze or they would not grant the application.  Thoughts?  Or is it a YMMV type of thing?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 22, 2011, 05:57:44 PM
Ok, so I will be freezing those 2 bureaus.  Now in your experience does that result in the applications then going directly to the remaining bureau or will i have to then call and do some explaining?
Also, I remember recently reading on the DDF's about someone who tried to do that and AMEX asked them for the PIN to unfreeze or they would not grant the application.  Thoughts?  Or is it a YMMV type of thing?

Won't work with Amex, we were talking about Chase. It might happen automatically, it might not, YMMV.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on June 23, 2011, 02:01:34 PM
chase verifications dept (800-278-8830)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on June 23, 2011, 02:02:44 PM
chase verifications dept (800-278-8830)
What do they do?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on June 23, 2011, 02:08:53 PM
What do they do?
i don't know i just found it on the forums some where
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on June 23, 2011, 02:48:35 PM
Maybe different zip codes use different billing centers.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on June 23, 2011, 11:15:40 PM
citi 1-866-606-2787 (i think this is the most imp number for citi this is the real dept (account spec.) that does the app the other numbers are just some guy in india reading you status_
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Smokey Joe Robinson on June 24, 2011, 12:27:23 PM
citi 1-866-606-2787 (i think this is the most imp number for citi this is the real dept (account spec.) that does the app the other numbers are just some guy in india reading you status_
that looks like the number from the credit mgmt dept
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 27, 2011, 02:38:22 PM
Won't work with Amex, we were talking about Chase. It might happen automatically, it might not, YMMV.

Ok so I froze 2 of the three.  Then applied a day later for the Chase Sapphire and did the 3 browser method too.  Was not accepted on the spot.  1- When should I call? 2- How do I deal with calling and having to explain for 3 cards?

Thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 27, 2011, 03:59:35 PM
Ok so I froze 2 of the three.  Then applied a day later for the Chase Sapphire and did the 3 browser method too.  Was not accepted on the spot.  1- When should I call? 2- How do I deal with calling and having to explain for 3 cards?

Thanks

Should've retrieved the appID from your browser list...

You can try this method:

You can call the new accounts department and ask for your appIDs. Ask for app status and give your SSN, they will give you each appID and status for each app. Thank the rep, hang up, and call reconsideration with the appIDs
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 27, 2011, 04:16:40 PM
Should've retrieved the appID from your browser list...

You can try this method:


Ok ill keep you posted.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 27, 2011, 04:24:33 PM
Should've retrieved the appID from your browser list...

You can try this method:


I called as you prescribed- new accounts.  They saw my application but only had one app ID number for me.  I said thank you and hung up.  I called reconsideration.  Gave them the app ID # and he informed me that I have been approved.  Woohoo!

But, and heres the verification of the validity of the 3BM, does this mean that I only got approved for one card or are all 3 gonna come along with that one approval??  Any experience with this?

Also, you mentioned that AMEX wont work with this freeze method- will Citi or any other ones work now that I have the freeze?  Experience?

Thanks for your help!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 27, 2011, 05:09:15 PM
I called as you prescribed- new accounts.  They saw my application but only had one app ID number for me.  I said thank you and hung up.  I called reconsideration.  Gave them the app ID # and he informed me that I have been approved.  Woohoo!

But, and heres the verification of the validity of the 3BM, does this mean that I only got approved for one card or are all 3 gonna come along with that one approval??  Any experience with this?

Also, you mentioned that AMEX wont work with this freeze method- will Citi or any other ones work now that I have the freeze?  Experience?

Thanks for your help!

If you submitted three apps, for three different cards, in three browsers, you should have an appID for each of them. I wouldn't just assume you got approved for all three.

Amex and Citi have both reportedly insisted on pulling the frozen report.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 27, 2011, 05:16:15 PM
If you submitted three apps, for three different cards, in three browsers, you should have an appID for each of them. I wouldn't just assume you got approved for all three.

Amex and Citi have both reportedly insisted on pulling the frozen report.

Ok well then I guess  I missed it somehow.  I would do more now but not sure if Ill get another credit pull being that its a few hours apart.  Oh well....

Also, so should I unfreeze the other bureaus? or wait til i get the card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 27, 2011, 05:17:18 PM
Ok well then I guess  I missed it somehow.  I would do more now but not sure if Ill get another credit pull being that its a few hours apart.  Oh well....

Also, so should I unfreeze the other bureaus? or wait til i get the card?

Did you try calling again with your SSN to check for appIDs? Maybe the first rep was a moron...

They're not going to pull again, but if it cost you to unfreeze then you might want to wait until you need them open.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 27, 2011, 05:23:05 PM
Did you try calling again with your SSN to check for appIDs? Maybe the first rep was a moron...

They're not going to pull again, but if it cost you to unfreeze then you might want to wait until you need them open.

I would think the rep was a moron but in this case i might have been the moron- not realizing that for the 3BM I should do different cards and not 3 of the same.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on June 27, 2011, 05:27:30 PM
i once did two apps a few hours apart and got one pull go for it it might be worth it
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 27, 2011, 05:28:29 PM
i once did two apps a few hours apart and got one pull go for it it might be worth it

That works for me Ill try it then on your say so-  but which ones to do???

Continental and Hyatt?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on June 27, 2011, 05:52:01 PM
That works for me Ill try it then on your say so-  but which ones to do???

Continental and Hyatt?
sure
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on June 27, 2011, 06:56:23 PM
How about adding the Amex Mr Dpt. to the list of phone numbers:18002973276
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 27, 2011, 08:20:30 PM
Did you try calling again with your SSN to check for appIDs? Maybe the first rep was a moron...

They're not going to pull again, but if it cost you to unfreeze then you might want to wait until you need them open.

So far so good- approved for the Chase Sapphire and Continental.  Looks like the freeze has worked!!  Woohoo! 

Somehow the 3BM has not seem to have worked for me, but who knows what I will get in the mail...

Thank you Asher for your kind responses.  Now I am that much more experienced and able to guide the next guy.

Ill keep you posted on how things go...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gozalim on June 28, 2011, 12:59:38 AM
I would think the rep was a moron but in this case i might have been the moron- not realizing that for the 3BM I should do different cards and not 3 of the same.
never heard of anyone getting more than 1 account of the same type. if you get it please tell us!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 28, 2011, 01:40:18 AM
So far so good- approved for the Chase Sapphire and Continental.  Looks like the freeze has worked!!  Woohoo! 

Somehow the 3BM has not seem to have worked for me, but who knows what I will get in the mail...

Thank you Asher for your kind responses.  Now I am that much more experienced and able to guide the next guy.

Ill keep you posted on how things go...

I think your mistake was that you tried the 3BM with the same card, when you shouldn't have tried all for the same card.

I think you've learned a lesson from this round, but you're not quite an expert just yet...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on June 28, 2011, 08:02:41 AM
how do i freeze a report and does it cost money ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 28, 2011, 08:48:58 AM
how do i freeze a report and does it cost money ?

The costs are outlined here (http://www.consumersunion.org/campaigns/learn_more/003484indiv.html). It might make sense to be a victim of identity theft, as is seems it'll make freezing and unfreezing your reports free for life. The links for initiating a freeze online are not current in that article, here are the current links:

Equfax (https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp)
Experian (https://www.experian.com/freeze/center.html)
TransUnion (http://www.transunion.com/corporate/personal/fraudIdentityTheft/fraudPrevention/securityFreeze.page)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 28, 2011, 01:28:35 PM
In light of my recent successful applications, I need some management advice from those that have been there..or still are...

As I understand it, it is unwise to cancel the cards once the rewards have been reaped bec one's credit score is benefitted by having more credit as the ratio of creditability to actual use is that much higher.  This results in a higher credit score (hopefully if paid on time etc.)

But once the rewards have been reaped what do you do- stick with one card?  rotate cards?  call company for a free card?

Advice? 

Maybe Dan can also chime in on this one also as I understand that he has tons of cards...

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 28, 2011, 01:30:44 PM
In light of my recent successful applications, I need some management advice from those that have been there..or still are...

As I understand it, it is unwise to cancel the cards once the rewards have been reaped bec one's credit score is benefitted by having more credit as the ratio of creditability to actual use is that much higher.  This results in a higher credit score (hopefully if paid on time etc.)

But once the rewards have been reaped what do you do- stick with one card?  rotate cards?  call company for a free card?

Advice? 

Maybe Dan can also chime in on this one also as I understand that he has tons of cards...

Everything you're asking could be answered by browsing these forums and/or a bit of Googling...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 28, 2011, 01:32:48 PM
oy..again with the see discussion before.

I need spoon feeding please... :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 28, 2011, 01:33:23 PM
oy..again with the see discussion before.

I need spoon feeding please... :)

You need to earn that, or find someone who is feeling benevolent :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 28, 2011, 01:33:49 PM
Everything you're asking could be answered by browsing these forums and/or a bit of Googling...

Or you can paste the link of your previous discussions.  But direct answers are more appreciated.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 28, 2011, 01:40:58 PM
Or you can paste the link of your previous discussions.  But direct answers are more appreciated.

Do a search for 'score close card' in the CC forum, and read the threads/posts which seem relevant. Also search Google for credit score factors and read some of the articles that come up, that'll teach you a thing or two.

Typically it makes no sense to close cards, unless it's with reconsideration and you're doing it to push through an app. Or for annual fee reasons, in which case you can often convert to a different card type or consolidate credit lines.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 28, 2011, 02:02:30 PM
That works for me Ill try it then on your say so-  but which ones to do???

Continental and Hyatt?

Btw, I only got one pull yesterday even though I applied hours apart.  As you said......Thanks!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on June 28, 2011, 02:02:52 PM
Btw, I only got one pull yesterday even though I applied hours apart.  As you said......Thanks!
np
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 28, 2011, 02:05:19 PM
Do a search for 'score close card' in the CC forum, and read the threads/posts which seem relevant. Also search Google for credit score factors and read some of the articles that come up, that'll teach you a thing or two.

Typically it makes no sense to close cards, unless it's with reconsideration and you're doing it to push through an app. Or for annual fee reasons, in which case you can often convert to a different card type or consolidate credit lines.

I read the other discussions.  I get that.  Just looking for the practical advice- you have a lot of cards- what do you do with them? Do you rotate spending or once you have earned the points you put it in the draw for the picture to show everyone and just let it sit there?

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 28, 2011, 02:09:43 PM
I read the other discussions.  I get that.  Just looking for the practical advice- you have a lot of cards- what do you do with them? Do you rotate spending or once you have earned the points you put it in the draw for the picture to show everyone and just let it sit there?

If you're going to have lots of active cards, keep a spreadsheet (there's a thread in the CC forum, search for it and you'll find it) to keep track of them all.

You want to track: Spend requirements, due dates, balances, annual fees, and bonus rewards, to make sure it all goes smoothly. Once I've spent the required spending (for the bonus), I make sure to pay the bill and await the points. I deal with the annual fee when it's up for renewal (except for high annual fees like the Amex plat). My regular spend goes on whichever cards give me the best return for my money, in terms of which rewards I want.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 28, 2011, 02:13:59 PM
If you're going to have lots of active cards, keep a spreadsheet (there's a thread in the CC forum, search for it and you'll find it) to keep track of them all.

You want to track: Spend requirements, due dates, balances, annual fees, and bonus rewards, to make sure it all goes smoothly. Once I've spent the required spending (for the bonus), I make sure to pay the bill and await the points. I deal with the annual fee when it's up for renewal (except for high annual fees like the Amex plat). My regular spend goes on whichever cards give me the best return for my money, in terms of which rewards I want.

Ok that seems pretty intuitive and basically what Ive been doing.  Just needed to hear it from a veteran.

Thank you.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on June 28, 2011, 03:07:26 PM
how long does it take to freeze once submitted
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 28, 2011, 03:08:43 PM
how long does it take to freeze once submitted

Experian told me up to 15 minutes, but it posted immediately. My Equifax posted immediately as well. YMMV. You can always call to confirm, or try to submit it a second time and see them tell you it is already blocked.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on June 28, 2011, 03:10:32 PM
Experian told me up to 15 minutes, but it posted immediately. My Equifax posted immediately as well. YMMV. You can always call to confirm, or try to submit it a second time and see them tell you it is already blocked.
is there a way to waive the fee
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 28, 2011, 03:12:06 PM
is there a way to waive the fee

If you're a victim of identity theft in virtually all states. If you're over 65 in some states. If it's the first time you're adding one, in NY state. See the freeze chart I linked to here (bolded):
The costs are outlined here (http://www.consumersunion.org/campaigns/learn_more/003484indiv.html). It might make sense to be a victim of identity theft, as is seems it'll make freezing and unfreezing your reports free for life. The links for initiating a freeze online are not current in that article, here are the current links:

Equfax (https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp)
Experian (https://www.experian.com/freeze/center.html)
TransUnion (http://www.transunion.com/corporate/personal/fraudIdentityTheft/fraudPrevention/securityFreeze.page)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 28, 2011, 03:44:31 PM
Can you apply, and have you done it, for the same chase cards accepted for 30 days later with the older one still active?  Success with that?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 28, 2011, 04:04:16 PM
BofA reconsideration 866-458-8805
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 29, 2011, 12:18:41 PM
Any feelings/thoughts/comments on the new US Air 40k offer??

https://www.barclaycardus.com/apply/Landing.action?campaignId=1465&cellNumber=142&referrerid=genjun11
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 29, 2011, 12:24:05 PM
Any feelings/thoughts/comments on the new US Air 40k offer??

https://www.barclaycardus.com/apply/Landing.action?campaignId=1465&cellNumber=142&referrerid=genjun11

Already discussed, search the forums. There's a better promo using this link (http://www.mostmiles.com/Chairmans), but we're not big fans of US Airways around here.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on June 29, 2011, 12:30:05 PM
Already discussed, search the forums. There's a better promo using this link (http://www.mostmiles.com/Chairmans), but we're not bug fans of US Airways around here.

We're not big fans either.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 29, 2011, 12:34:18 PM
We're not big fans either.

Lol, ill stick with the crowd.  Im not a big fan of US Air.  Forget that silly offer!   8)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 29, 2011, 12:37:10 PM
Lol, ill stick with the crowd.  Im not a big fan of US Air.  Forget that silly offer!   8)

I did it together with a US Air Biz for 80k (two 10k BTs @ $99 each). YMMV.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 29, 2011, 12:44:25 PM
I did it together with a US Air Biz for 80k (two 10k BTs @ $99 each). YMMV.

Have a link for the 80k?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 29, 2011, 12:49:56 PM
Have a link for the 80k?

80k combined.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 29, 2011, 12:51:20 PM
Ahh.  I see- Is this Chase affiliated?  How likely am i to get it having just been approved for 2 chase cards on the Equifax freeze?
80k combined.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 29, 2011, 01:08:31 PM
Also, Dan writes in the intro to this discussion about the 3BM- "The 3 browser method is a technique that I came up with about 8 years ago with that has now spread across the web.  It has helped me accumulate hundreds of credit cards (including dozens of the same exact card) along with millions of miles for free."

How has the 3BM gotten the same card?  I thought it has to be different cards?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on June 29, 2011, 01:56:19 PM
Also, Dan writes in the intro to this discussion about the 3BM- "The 3 browser method is a technique that I came up with about 8 years ago with that has now spread across the web.  It has helped me accumulate hundreds of credit cards (including dozens of the same exact card) along with millions of miles for free."

How has the 3BM gotten the same card?  I thought it has to be different cards?
Sorry if that's unclear. I meant I've churned many the same card, but rarely more than 1 of the same card at the same time.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 29, 2011, 01:58:57 PM
Sorry if that's unclear. I meant I've churned many the same card, but rarely more than 1 of the same card at the same time.

Ahhh.  I see.  It would be really helpful if you let us know how long you waited in between churning and whether you cancelled or not?  More of the details on how and when to plan your churning.

 Like have you done it with any of the recent offers out there?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 29, 2011, 02:00:22 PM
Ahhh.  I see.  It would be really helpful if you let us know how long you waited in between churning and whether you cancelled or not?  More of the details on how and when to plan your churning.

 Like have you done it with any of the recent offers out there?

It's all over the forums in Dan's 10k+ posts. Seek and you shall find.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 29, 2011, 02:05:06 PM
It's all over the forums in Dan's 10k+ posts. Seek and you shall find.

More helpful to provide a specific discussion link and/or reference.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on June 29, 2011, 02:07:04 PM
More helpful to provide a specific discussion link and/or reference.
im rly sorry to be rude but do u need to be spoonfed anything try doing some research on ur own
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 29, 2011, 02:11:52 PM
More helpful to provide a specific discussion link and/or reference.

I sought and I found!

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 29, 2011, 02:46:10 PM
I sought and I found!

I told you so :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: i3ond on June 29, 2011, 08:34:38 PM

Do you think you could add Chase Continental Presidents Plus card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on June 29, 2011, 11:09:46 PM
Already discussed, search the forums. There's a better promo using this link (http://www.mostmiles.com/Chairmans), but we're not big fans of US Airways around here.

Anyone have success matching a lower app offer to the higher offer?

Asher, we might not be big fans of US Air, but their alliance is great, and that's what we use the miles for!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on June 30, 2011, 01:10:48 AM
Anyone have success matching a lower app offer to the higher offer?

Asher, we might not be big fans of US Air, but their alliance is great, and that's what we use the miles for!

I tried to match USless, spoke to a sup @ Barclays, no luck. Their CS policies suck.

I agree, USeless is part of a USeful alliance ;)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on June 30, 2011, 08:53:32 AM
Dan,
How about add a rating to each card, this way we can know how to prioritize? True it is not that simple since it depends on what exactly  you want Etc, but bofen klaly it is safe to say that some are better than others.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on June 30, 2011, 08:10:43 PM
Just hung up with SPG about my 5 year old card.  They issued 4,000 points for me to keep my card open for longer and appreciated my loyalty.  Thanks Dan!  (sorry that you only got 3000 though...) 
 :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on June 30, 2011, 09:23:15 PM
18886097805 chase credit ana (it might just be another # for the same dept you posted, csr gave me this one so i am posting it maybe its same dept but  dif building and new csr = better chance)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on July 01, 2011, 12:08:45 AM
I know that really all the info is in the threads and noone likes to spoonfeed, but even though I spend a min of 1.5 hours  a day on DDF for about 4 years (nothing for a bochur - but tonz for a wife and mother of 3!) I do not have a gemarakup like many of you and cant seem to figure out what to do next! can someone please help!

4 yrs ago I opened for me and husb starwood
this year really wanted to do something instead of just reading and opened: citi AAdvantage cards for me and husb (i think we got 75,000 each)
amex charge cards each for the MR points (dont remember if it was 25,000 or 50,000), and the BA cards for the 100,000 points. husb also has an old continental from chase.

WHAT DO I DO NEXT?!?!? do i cancel these and get more? leave them and get more? move over credits?
Im nervous to mess my credit since I was rejected for a card this year - im assuming I didnt put in a high enough income cuz i do have a student loan on my name. since then I did get two cards though.
i just called to cancel BA and get back fee and he said no way! im assuming I should just call back?
bad taste for my first attempt at playing this game!!
mayb i can hire one of the experts out there?! :)

 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 01, 2011, 12:11:32 AM
I know that really all the info is in the threads and noone likes to spoonfeed, but even though I spend a min of 1.5 hours  a day on DDF for about 4 years (nothing for a bochur - but tonz for a wife and mother of 3!) I do not have a gemarakup like many of you and cant seem to figure out what to do next! can someone please help!

4 yrs ago I opened for me and husb starwood
this year really wanted to do something instead of just reading and opened: citi AAdvantage cards for me and husb (i think we got 75,000 each)
amex charge cards each for the MR points (dont remember if it was 25,000 or 50,000), and the BA cards for the 100,000 points. husb also has an old continental from chase.

WHAT DO I DO NEXT?!?!? do i cancel these and get more? leave them and get more? move over credits?
Im nervous to mess my credit since I was rejected for a card this year - im assuming I didnt put in a high enough income cuz i do have a student loan on my name. since then I did get two cards though.
i just called to cancel BA and get back fee and he said no way! im assuming I should just call back?
bad taste for my first attempt at playing this game!!
mayb i can hire one of the experts out there?! :)
dont cancel ur ba card for one!! apply for another chase card such as the sapphire and offer to close the ba to get it opened if they dont approve it. also when u get rejected they usually tell u why what was the reason they gave. as for your question there a number of good card offers out there right now such as the 50k points for the sapphire which is a great offer. there is also the hyatt card and the amex gold and oat cards to consider
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on July 01, 2011, 12:25:03 AM
I forgot to mention that i am not a millionnaire and cannot seem to manage to spend anything more than $2500 in three months and cannot start shlepping coins to the bank ( i work for a living :)) im assuming I can amazon pay someone - but havent yet figured out how exactly and thats only 1k a month i think. thanx again for any help!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on July 01, 2011, 07:33:08 AM
I forgot to mention that i am not a millionnaire and cannot seem to manage to spend anything more than $2500 in three months and cannot start shlepping coins to the bank ( i work for a living :)) im assuming I can amazon pay someone - but havent yet figured out how exactly and thats only 1k a month i think. thanx again for any help!

If you have the patience to list items on eBay, buy some items on sale on DD with your card and sell them on eBay. Do the math first to see if you'll at least break even after the eBay PayPal fees.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on July 01, 2011, 06:30:58 PM
If you have the patience to list items on eBay, buy some items on sale on DD with your card and sell them on eBay. Do the math first to see if you'll at least break even after the eBay PayPal fees.

IMO, shlepping to the bank is a lot easier. Especially if you do it in installments and to different banks.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 03, 2011, 12:19:04 AM
Update: Freedom $200 Cash Back, (http://www.dansdeals.com/go/freedom200) now only requires $500 spend for signup bonus threshold.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on July 03, 2011, 12:35:14 AM
Update: Freedom $200 Cash Back, (http://www.dansdeals.com/go/freedom200) now only requires $500 spend for signup bonus threshold.

I got the freedom like a year ago W/O any bounces, do you think they will match this deal?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: elikay on July 03, 2011, 01:49:29 AM
did you get Amex to match your bonuses?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on July 03, 2011, 01:59:25 AM
did you get Amex to match your bonuses?

Sure!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on July 05, 2011, 09:34:30 PM
Just did 3 cards in one call
gold consumer card =74k gold business card =75k amex plat 100k
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Smokey Joe Robinson on July 05, 2011, 11:17:10 PM
Just did 3 cards in one call
gold consumer card =74k gold business card =75k amex plat 100k
they credited you the points instantly for all 3???
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on July 06, 2011, 09:37:34 AM
Just did 3 cards in one call
gold consumer card =74k gold business card =75k amex plat 100k

Havent been following the string- have you had those cards before?  or first time?

If you had them, did you cancel or downgrade and how long before reapplying?
Thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 06, 2011, 09:40:11 AM
Havent been following the string- have you had those cards before?  or first time?

If you had them, did you cancel or downgrade and how long before reapplying?
Thanks

It's Churnable.

We don't have to work extra hard to spoonfeed you because you are too lazy to read/search.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on July 06, 2011, 09:49:53 AM
It's Churnable.

We don't have to work extra hard to spoonfeed you because you are too lazy to read/search.


Not everyone has the same amount of free time as you do...
Answer could have been written in less words it took you to respond.  oy...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 06, 2011, 09:56:50 AM
Not everyone has the same amount of free time as you do...
Answer could have been written in less words it took you to respond.  oy...

So your free time is more precious than mine?

A thank you would be nice. You're welcome to join my ignore list if you'd like.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on July 06, 2011, 09:59:04 AM
So your free time is more precious than mine?

A thank you would be nice. You're welcome to join my ignore list if you'd like.

Not what I meant.. ch'v.  Just saying it would take a 10 word sum up or less.  Is that too much?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 06, 2011, 10:03:03 AM
Not what I meant.. ch'v.  Just saying it would take a 10 word sum up or less.  Is that too much?

I'll give you the whole answer in three words, if two aren't enough:

It's churnable. YMMV.

Then my other point, as I have seven words left:

See my signature.

See, less than 10 words in all.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on July 06, 2011, 10:09:12 AM
Ok- I got all that from the post that I replied to.  I went back in the threads and realized that Leeboy did not write how he did the churn and how long he waited after canceling.  Or how he managed to pull off 2 amex plat's. 

Im looking to gain from those experienced.  Im sorry im still a n00bie.

but I am grateful for your prompt responses always.  sorry.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 06, 2011, 10:28:11 AM
Ok- I got all that from the post that I replied to.  I went back in the threads and realized that Leeboy did not write how he did the churn and how long he waited after canceling.  Or how he managed to pull off 2 amex plat's. 

Im looking to gain from those experienced.  Im sorry im still a n00bie.

but I am grateful for your prompt responses always.  sorry.

There are extensive threads on churning Amex charge cards, most of the discussion has been in the threads discussing Amex's generous policy of matching signup bonuses, allowing people to bump their signup bonuses to 75/100k.

Because churning is officially against the rules, different things work for different people, and it isn't guaranteed that what has worked for someone else will work for you, for better and for worse.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on July 06, 2011, 10:31:12 AM

Because churning is officially against the rules, different things work for different people, and it isn't guaranteed that what has worked for someone else will work for you, for better and for worse.

Shkoiach AsherO.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: MnM1130 on July 06, 2011, 10:36:10 AM
I saw somewhere a number to call in regard to using 3MB for applying for chase and getting pending decisions. I want to call and get separate reference numbers when i call for application status/reconsideration. Whats the number to call? the regular chase cs? or is there a diff number?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on July 06, 2011, 10:38:24 AM
I saw somewhere a number to call in regard to using 3MB for applying for chase and getting pending decisions. I want to call and get separate reference numbers when i call for application status/reconsideration. Whats the number to call? the regular chase cs? or is there a diff number?
Chase: 800-432-3117 (Application status)
Call them and ask for your reference numbers then call recon. Although many people have reported calling recon with ref numbers and still they saw all apps.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on July 06, 2011, 12:42:12 PM
Update: Freedom $200 Cash Back, (http://www.dansdeals.com/go/freedom200) now only requires $500 spend for signup bonus threshold.

I asked them to match this bonus as I did not get any bonuses when I signed up, his answer: "Since this card has been open for over a year, NO."  >:(
 Any ideas?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 06, 2011, 12:43:16 PM
Try again?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on July 06, 2011, 12:46:39 PM
Try again?

With which dept.?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on July 06, 2011, 12:49:09 PM
I just got the CO card for the (hopefully) 50k.  Is there a code out there I should reference when asking for the additional 20k or just ask for it in SM? 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on July 06, 2011, 01:14:49 PM
I asked them to match this bonus as I did not get any bonuses when I signed up, his answer: "Since this card has been open for over a year, NO."  >:(
 Any ideas?
Try again?


Called executive office, said the same thing. But she gave me 5000 points as a gesture (50 dollar value). I feel like I cannot get the $200 anymore as I already took this?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: wired41 on July 06, 2011, 02:53:38 PM
Dan, do you have a link to the Citi Dividend card that has 12 months intro 0% APR and $150 cash back which is currently on the Citibank website? Your link does not offer the 0% intro APR and I would like to sign up for it to float some cash for the next 6 months.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 06, 2011, 02:59:44 PM
Dan, do you have a link to the Citi Dividend card that has 12 months intro 0% APR and $150 cash back which is currently on the Citibank website? Your link does not offer the 0% intro APR and I would like to sign up for it to float some cash for the next 6 months.

You can get enough interest to warrant the balance transfer fee?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: wired41 on July 06, 2011, 03:08:11 PM
You can get enough interest to warrant the balance transfer fee?

$5000 for 6 months at 15% is $375 while transfering to the card which provides a $5 rebate per $1500 transfer plus the $150 cash would equal a gain of $15. Not the best offer out there, but a $390 gain seems worthwhile. Plus the card can be kept as a long-standing card since it has no annual fee. If you have a better idea, I would love to hear it as I have 780+ credit and I have not paid interst on a CC in over 7 years.[quote author=AsherO 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 06, 2011, 03:16:20 PM
umm how r u getting 15% interest?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 06, 2011, 03:18:03 PM
Seems he's carrying a balance and 'saving' 15% interest. But I consider the 3-5% fee interest as well.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: wired41 on July 06, 2011, 03:27:30 PM
Not paying any interest right now, but I have to float some money for some grad school expenses coming up that won't be reimbursed for several months. I would like to recieve miles or complete spending requirements on the 10+ cards my wife and I acquired over the last three months. I am not sure of the exact interest on the milage cards I would use, but 15% seems fairly normal for most milage cards.

Seems he's carrying a balance and 'saving' 15% interest. But I consider the 3-5% fee interest as well.
In my calculations, I just assumed the 3% transfer fee was a wash against the $150 bonus rebate. Interest, yes, but not paid by me (except for the lost opportunity cost).

Do you have any other suggestions?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 06, 2011, 06:00:52 PM
Do you have any other suggestions?

Find a way to make it a purchase (US mint coins perhaps?), and you'll save yourself the 3% as well.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: arid on July 06, 2011, 06:43:51 PM
dan says that you can freeze experian so that chase does a credit check on the one you want it to. but he says you might have to call ahead
that means i should call chase and say "hey im going to apply for 3 cards but you cant pull from one agency" and they are going to see that info when they review you for the card? a little clarification please?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on July 06, 2011, 06:50:21 PM
dan says that you can freeze experian so that chase does a credit check on the one you want it to. but he says you might have to call ahead
that means i should call chase and say "hey im going to apply for 3 cards but you cant pull from one agency" and they are going to see that info when they review you for the card? a little clarification please?

What you have to do is first freeze whichever bureaus you dont want them to check and then apply.  Then once the apps are in call recon with the app ID's and check on the apps.  IME 1 of 2 things should happen: 1. Either they will automatically default to the only open bureau, OR 2. They will say oh the credit report is frozen and you will respond saying yes but please pull from TU (or wtvr you left open). 

I think thats what he meant.  That worked for me.  G'luck
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 06, 2011, 07:11:40 PM
dan says that you can freeze experian so that chase does a credit check on the one you want it to. but he says you might have to call ahead
that means i should call chase and say "hey im going to apply for 3 cards but you cant pull from one agency" and they are going to see that info when they review you for the card? a little clarification please?

I just explained I keep my reports frozen for security and I temporarily lifted the freeze on bureau x (that I want them to pull).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on July 06, 2011, 08:59:13 PM
they credited you the points instantly for all 3???

Havent been following the string- have you had those cards before?  or first time?

If you had them, did you cancel or downgrade and how long before reapplying?
Thanks

Ok- I got all that from the post that I replied to.  I went back in the threads and realized that Leeboy did not write how he did the churn and how long he waited after canceling.  Or how he managed to pull off 2 amex plat's. 

Im looking to gain from those experienced.  Im sorry im still a n00bie.

but I am grateful for your prompt responses always.  sorry.

but I am grateful for your prompt responses always.  sorry.
[/quote]

Okeeee! Was away for some time sooo........
I got one amex plat 4 months ago i got my miles and closed it down, one month later i opened a new Amex plat (strange, but i never got any credit hit for this card) got my miles and kept the card, a couple days ago i did the 3 browser method (Took me some time to figure out What "3BM" stands for) for amex business gold, amex premier gold and amex plat & got approved.
A few days after i signed up i called membership rewards and asked the fellow to add the bonus id's to each of the 3 cards which he did happily
For those that messaged me, yes i have a business ein so i dont know if it would work without one
I got 2 credit hits on experian possibly since the business is a different department or possibly because i didnt do them in one shot but a couple minutes after each other.

I know its frustrating reading all the threads, but to make $10K-$13k worth of points in 5-6 months aint to bad!
 Life is not about getting things easy! :) yegata umotzoso ta'amin!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: arid on July 06, 2011, 09:07:54 PM
I just explained I keep my reports frozen for security and I temporarily lifted the freeze on bureau x (that I want them to pull).

they allow you to dictate which one you want them to use? does it work with amex and chase?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on July 06, 2011, 09:09:31 PM
they allow you to dictate which one you want them to use? does it work with amex and chase?

From what i understand people were successful with chase not amex
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 07, 2011, 12:30:16 AM
they allow you to dictate which one you want them to use? does it work with amex and chase?
From what i understand people were successful with chase not amex

+1 Chase, not Amex.

Nice going Leeboy.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: arid on July 07, 2011, 01:21:16 AM
what happens if u apply to zmex and u have a freeze or 2
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 07, 2011, 01:28:24 AM
what happens if u apply to zmex and u have a freeze or 2
They'll ask you to unfreeze the bureau they want to pull, no games.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on July 07, 2011, 12:20:45 PM
Dan, I just noticed..... did you mean to leave out the Chase BA card or was that a mistake?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 07, 2011, 12:23:42 PM
Dan, I just noticed..... did you mean to leave out the Chase BA card or was that a mistake?
The 100K offer is dead for now, when it comes back I'll be sure to post it!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 07, 2011, 12:26:38 PM
The 100K offer is dead for now, when it comes back I'll be sure to post it!

I guess Dan doesn't consider 50k BA to be worth anything :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 07, 2011, 12:50:19 PM
I guess Dan doesn't consider 50k BA to be worth anything :P
Not worth wasting a one-time only app on 50k IMHO.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 07, 2011, 12:50:45 PM
Not worth wasting a one-time only app on 50k IMHO.

Unless it's CO/UA :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on July 07, 2011, 12:54:22 PM
Not worth wasting a one-time only app on 50k IMHO.

What do you mean one time only?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 07, 2011, 01:10:58 PM
What do you mean one time only?

BA is virtually unchurnable at this point.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on July 07, 2011, 01:32:09 PM
What makes it unchurnable?  You mean if you got the 100k offer last time you wouldn't get the 50k miles for doing a new app?  Or would you get rejected?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 07, 2011, 01:33:02 PM
What makes it unchurnable?  You mean if you got the 100k offer last time you wouldn't get the 50k miles for doing a new app?  Or would you get rejected?

One of the two. Even if you get approved you get this dreadful letter saying you're ineligible for the signup bonus.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on July 07, 2011, 01:33:05 PM
Is it just me or you can churn amex cards one after another?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on July 07, 2011, 01:37:23 PM
Is it just me or you can churn amex cards one after another?

I believe Amex has been reported churnable but beware of what happened to mb- they denied his 4th try saying he got too many awards this year.  Some say that means he is on the verge of an amex blacklisting...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bruce on July 11, 2011, 03:19:53 PM
I've spent a lot of time going through the forums and my time and efforts have greatly paid off literally!

I am still confused about churning (which cards, how often, closing accounts, consolidating etc..) as that information doesn't seem to be organized in one place.

Dan or Asher may I suggest that you post an organized posting on all the specific cards that you list on the front page of this posting of how and when they would be churnable? Must they be closed? waiting period? etc..that would be ever so helpful. thanks!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 11, 2011, 03:24:44 PM
I've spent a lot of time going through the forums and my time and efforts have greatly paid off literally!

I am still confused about churning (which cards, how often, closing accounts, consolidating etc..) as that information doesn't seem to be organized in one place.

Dan or Asher may I suggest that you post an organized posting on all the specific cards that you list on the front page of this posting of how and when they would be churnable? Must they be closed? waiting period? etc..that would be ever so helpful. thanks!

Here's a start:

http://www.dansdeals.com/forums/index.php?topic=8028.msg93920#msg93920

People need to read the forums, there's only that much information that can/should be aggregated IMHO.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bruce on July 11, 2011, 03:43:08 PM
I am very familiar with that page Asher.

I wanted more info on churning specifically.

Aright I guess I will keep putting the bits and pieces together as I have been doing until now.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 11, 2011, 03:49:43 PM
I am very familiar with that page Asher.

I wanted more info on churning specifically.

Aright I guess I will keep putting the bits and pieces together as I have been doing until now.

It's a science you need to study. Every situation is different, depends on what miles/points you collect, what state you live in (what bureaus get pulled), what your credit looks like, what income you report etc. etc.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 13, 2011, 09:53:18 PM
dan u have a link to the hilton surpass card from amex im thinking of doing a 3BM if the new
SPG card comes out. Im thinking spg spg business and hilton surpass
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 13, 2011, 10:01:17 PM
dan u have a link to the hilton surpass card from amex im thinking of doing a 3BM if the new
SPG card comes out. Im thinking spg spg business and hilton surpass

Do your Amex Biz accounts pull from the same bureau as Amex consumer?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 13, 2011, 10:04:24 PM
Do your Amex Biz accounts pull from the same bureau as Amex consumer?
not sure never done it but if i remember correctly someone reported he got 2 hits from a double with a cc and a charge card so i def dont want to mix the two
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 13, 2011, 10:05:12 PM
not sure never done it but if i remember correctly someone reported he got 2 hits from a double with a cc and a charge card so i def dont want to mix the two

I think it's more about personal and business, but not 100% sure either way. Personally, all my Amex pulls (in NY)  have been EX, both consumer and business credit cards, and consumer charge cards. I hope to shortly have a business charge card or two.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 13, 2011, 10:11:19 PM
I think it's more about personal and business, but not 100% sure either way. Personally, all my Amex pulls (in NY)  have been EX, both consumer and business credit cards, and consumer charge cards. I hope to shortly have a business charge card or two.
i would do spg spg business and plat but concerned i would get 3 pulls i cant seem to find the post where someone reported getting two hits for consumer and biz
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 13, 2011, 10:22:30 PM
i would do spg spg business and plat but concerned i would get 3 pulls i cant seem to find the post where someone reported getting two hits for consumer and biz

Even if they said CC and charge, I wonder if they mean one personal and one business. I'm also not sure if that person was reporting two pulls to one bureau, or two pulls each from a different bureau.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 13, 2011, 10:26:54 PM
Well I am also in ny u said they both pull from experian right? Also have u ever done a double app with charge and cc?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 13, 2011, 10:29:54 PM
Well I am also in ny u said they both pull from experian right? Also have u ever done a double app with charge and cc?

People in the same state typically (but not always) have the same pull patterns. I did and got one pull, YMMV.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 13, 2011, 11:03:02 PM
Now I'm tempted to do an spg spg biz and plat assuming a good offer on both spg cards but if I get 3 hits....
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 13, 2011, 11:27:45 PM
Now I'm tempted to do an spg spg biz and plat assuming a good offer on both spg cards but if I get 3 hits....

I can't tell you for sure. Someone's gotta TOFTT.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 13, 2011, 11:38:07 PM
Do u mean possibly TTFTT
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 13, 2011, 11:40:44 PM
Do u mean possibly TTFTT

One risk, possibly two credit hits.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 13, 2011, 11:41:56 PM
Possibly three if one for personal cc one for biz cc and one for charge. But I agree it is a slim chance
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Bp on July 14, 2011, 12:12:06 AM
I did plat-gold-business gold, in NY with one pull
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 14, 2011, 12:21:05 AM
I did plat-gold-business gold, in NY with one pull

All charge, hmmm.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 14, 2011, 08:49:18 AM
Well that at least means biz and personal all get one pull
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 14, 2011, 11:53:24 AM
Well that at least means biz and personal all get one pull

I'll say it again, YMMV.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: njben on July 18, 2011, 12:28:14 PM
the link to united doesn't work anymore.  Does anyone know why?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yaakov s on July 18, 2011, 12:29:05 PM
the link to united doesn't work anymore.  Does anyone know why?
Clear your cookies
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 18, 2011, 12:36:13 PM
it might be gone they were ending marketing today at some point
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 18, 2011, 12:39:55 PM
it might be gone they were ending marketing today at some point
Looks like it works for me.
http://dansdeals.com/go/unitedsig
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yaakov s on July 18, 2011, 12:43:20 PM
Looks like it works for me.
http://dansdeals.com/go/unitedsig
+1 like I said clear your cookies . I also find that if I apply for a few UA cards even if I clear my history etc. it needs a day or 2 to let me reload it . So I use a different computer
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: njben on July 18, 2011, 01:00:58 PM
if I apply for this now, will I be able to apply for the new card that is coming out now ?
Title: Re: DansDeals Credit Card Links
Post by: rots5 on July 18, 2011, 07:33:49 PM
ok   wow  dan  ur amazing. thank you very much.
ok here the thing - now that i see the cards whats the best for my buck - in terms of i dont mind an annuel fee upto $100. i iwll be going back and forth to israel in the near future iyh with my wife. do i get starwoods? if u so how do i get the link to get more points? and does it pay for me to sign up with three (or even just 2) separate cards at the same time? i have perfect credit since getting my first credit card 4 yrs ago.....thanks so much!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 19, 2011, 12:44:22 PM
I received an offer for the amex delta gold with 40k after 1000 spent.  Is that a frequent offer?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 19, 2011, 03:43:47 PM
I received an offer for the amex delta gold with 40k after 1000 spent.  Is that a frequent offer?
It also has $75 statement credit (after a delta purchase within 6 months) and 2 sky club passes.

It is a targeted offer but if you go here: https://www.deltaamexcard.com/default.aspx?et=dbu you can get your offer, which may be different.

So is this a good deal to add to my SPG 30k if doing the 3BM?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 19, 2011, 04:00:16 PM
It also has $75 statement credit (after a delta purchase within 6 months) and 2 sky club passes.

It is a targeted offer but if you go here: https://www.deltaamexcard.com/default.aspx?et=dbu you can get your offer, which may be different.

So is this a good deal to add to my SPG 30k if doing the 3BM?
Why not go for one of the charge cards?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 19, 2011, 04:22:46 PM
Why not go for one of the charge cards?
I plan on going for the Platinum 100k too but I have heard that there are issues getting matched recently and this is an offer that i was targeted for so I figured for the 3rd app it might be better than going for the gold 75k
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 19, 2011, 04:30:18 PM
I plan on going for the Platinum 100k too but I have heard that there are issues getting matched recently and this is an offer that i was targeted for so I figured for the 3rd app it might be better than going for the gold 75k
75K Gold=112,500 DL if that's your game.  Seems like a no-brainer to me.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 19, 2011, 10:47:30 PM
75K Gold=112,500 DL if that's your game.  Seems like a no-brainer to me.
I understand but I am worried about amex not matching the 75k offer anymore.  I am wondering if the 40k sure thing is better than 112k potential.  I guess it depends on how likely the 75k is.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on July 20, 2011, 04:59:14 PM
Well that at least means biz and personal all get one pull

I got 2 pulls for personal and business

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on July 20, 2011, 05:02:16 PM
Can anybody fill me in on this one!
I got approved for a amex plat, 3bm (my 3rd in 4 months) after 2 weeks and no card i called and asked why i did not receive the card. The rep told me the application was cancelled and never approved to begin with since you can only do one app in 30 days :(
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: vupadhayay on July 22, 2011, 04:17:31 PM
I got the PR Card three weeks ago. So as per the T&C of Platinum, I shouldn't be able to get the 50K points since I am already a previous Amex card holder, right?

https://www304.americanexpress.com/p...319-0/0/0/0/n/
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 22, 2011, 04:19:03 PM
I got the PR Card three weeks ago. So as per the T&C of Platinum, I shouldn't be able to get the 50K points since I am already a previous Amex card holder, right?

https://www304.americanexpress.com/p...319-0/0/0/0/n/

Don't believe everything the T&Cs say ;)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on July 24, 2011, 10:31:43 PM
Discover:
-Escape, (http://www.dansdeals.com/go/escape/) Double Discover Miles on all purchases. 1,000 bonus miles each month you make a purchase for the first 25 months.
How much are these discover points worth?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 24, 2011, 10:50:32 PM
How much are these discover points worth?
The points on my More card (with rotating 5% categories) are usually worth 1.25cpp (some gcs as low as 1.11 cpp and some as high as 2cpp) for gift cards or 1cpp for an account credit.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 25, 2011, 12:06:56 AM
The points on my More card (with rotating 5% categories) are usually worth 1.25cpp (some gcs as low as 1.11 cpp and some as high as 2cpp) for gift cards or 1cpp for an account credit.

Meh, realistically they're worth 1.25cpm. I have hundreds of dollars in Discover credit, and the only time I redeem them is for LandsEnd giftcards...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 25, 2011, 12:13:57 AM
Meh, realistically they're worth 1.25cpm. I have hundreds of dollars in Discover credit, and the only time I redeem them is for LandsEnd giftcards...
Which is why I said they're usually 1.25.
But I'm sure some people wold have a use for $40 at Alamo, Enterprise, or National for just $20 of Discover points.  Or $100 off a 2 night Hyatt stay for $40 of Discover points.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 25, 2011, 12:15:05 AM
But I'm sure some people wold have a use for $40 at Alamo, Enterprise, or National for just $20 of Discover points.  Or $100 off a 2 night Hyatt stay for $40 of Discover points.

IIRC those certs come with tons of restrictions (but I don't know if they are enforced, for all you know some are plain ol' giftcards).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on July 25, 2011, 09:42:34 AM
Why doesn't discover have any major sign up bonus' like the other three big ones? Are they a dying out company that the Airlines/Hotels etc don't care for them?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 25, 2011, 10:00:37 AM
Why doesn't discover have any major sign up bonus' like the other three big ones? Are they a dying out company that the Airlines/Hotels etc don't care for them?

Perhaps the don't want to spend ~$1000/customer (or anything for that case) in signup bonuses to acquire customers....
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on July 25, 2011, 10:27:32 AM
Perhaps the don't want to spend ~$1000/customer (or anything for that case) in signup bonuses to acquire customers....

That would certainly be smart of them if that was their reason, but that would also mean that the other big 3 are quiet stupid, and I don't think that's the case. They do this because it's good business for them, at least for the customers who don't know about DD's yet ;). So they question remains why is discover different? They do seem desperate for my business, sending me a dozen letters or so a month. What's up with them?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 25, 2011, 11:40:08 AM
That would certainly be smart of them if that was their reason, but that would also mean that the other big 3 are quiet stupid, and I don't think that's the case. They do this because it's good business for them, at least for the customers who don't know about DD's yet ;). So they question remains why is discover different? They do seem desperate for my business, sending me a dozen letters or so a month. What's up with them?

They're obviously not as 'desperate' as the other big three, or they'd offer these bonuses as well.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 25, 2011, 03:03:30 PM
I am having trouble with the Platinum link.  It is giving me an error that the offer no longer applies.  Ive tried clearing cookies etc. but it still gives me this error. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 25, 2011, 03:04:46 PM
I am having trouble with the Platinum link.  It is giving me an error that the offer no longer applies.  Ive tried clearing cookies etc. but it still gives me this error. 
Try another browser (IE/FF/Chrome) and clearing cache/cookies in each one.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: i3ond on July 25, 2011, 04:04:29 PM
Would you have to call up CSR to find out the reference code for a amex app, prior to calling reconsideration?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on July 25, 2011, 07:25:29 PM
So I used the 3BM on for Chase Sapphire, Chase CO & Chase United on 7/19.

Got 2 letters today, 1st was denial for the Sapphire (just called recon and got them to approve it :)), 2nd was saying they need verification of income. The 2nd letter didnt say what card its for nor did I receive a 3rd letter for the 3rd card... Should I just fax in last years 1040 or would I be able to take the letter to the branch with my 1040? Should I wait until I receive the Sapphire card before doing anything?

P.S. Citi IdentityMonitor only sent me 1 alert so far... (Experian)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 26, 2011, 11:04:50 AM
Whats the Amex number to call about app status.  I applied for Plat and Premier Gold (also spg but got instant approval) last night and was given a message that I will hear from them after they process the app.  I dont want to wait since I want to get approved and matched to the better offers ASAP just in case they close them down.  I dont have the app ID. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 26, 2011, 11:05:44 AM
Whats the Amex number to call about app status.  I applied for Plat and Premier Gold (also spg but got instant approval) last night and was given a message that I will hear from them after they process the app.  I dont want to wait since I want to get approved and matched to the better offers ASAP just in case they close them down.  I dont have the app ID.
http://www.americanexpress.com/myappstatus/
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 26, 2011, 11:08:50 AM
http://www.americanexpress.com/myappstatus/

Can you see appIDs there (for pending apps)?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 26, 2011, 11:09:26 AM
Can you see appIDs there (for pending apps)?
dont think so
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 26, 2011, 11:10:42 AM
dont think so

Isn't he looking for appIDs?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 26, 2011, 11:11:23 AM
Whats the Amex number to call about app status.  I applied for Plat and Premier Gold (also spg but got instant approval) last night and was given a message that I will hear from them after they process the app.  I dont want to wait since I want to get approved and matched to the better offers ASAP just in case they close them down.  I dont have the app ID.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 26, 2011, 11:12:16 AM
http://www.americanexpress.com/myappstatus/
Thanks.

All that I got there was the approved card (SPG) it doesn't have my platinum or premier gold apps listed. I hope the apps went in successfully. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 26, 2011, 11:13:12 AM
Isn't he looking for appIDs?
I guess I was looking for both.  The status and the AppID to call in about. Is there a number to call for App ID?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 26, 2011, 11:15:03 AM
Thanks.

All that I got there was the approved card (SPG) it doesn't have my platinum or premier gold apps listed. I hope the apps went in successfully.
if they arent theregood chance they didnt go through call amex and ask to speak to new accounts division
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 26, 2011, 11:25:47 AM
if they arent theregood chance they didnt go through call amex and ask to speak to new accounts division
Should I mention both cards?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 26, 2011, 11:31:16 AM
Just spoke to them and they dont see any record of the other apps.  I'm going to get another credit pull if I reapply now, right?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 26, 2011, 11:34:29 AM
Just spoke to them and they dont see any record of the other apps.  I'm going to get another credit pull if I reapply now, right?
was ur first app last night? if yes probably
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 26, 2011, 11:35:27 AM
was ur first app last night? if yes probably
yes, they were all last night. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: azhoopsfan on July 26, 2011, 11:40:25 AM
Annual Fee Refund:
There is a grace period for cancelling a card after the appearance of an annual fee to get the fee waived.  This is true with new cards that have a fee due immediately and true for cards that have been open for a year and have a fee that posted to the statement.  The length of the grace period differs by bank.
AMEX: 60 days for a full refund.  Pro-rated refund after 60 days.
Chase: Conflicting reports of either 30 or 60 days.  No pro-rating afterwards.
Citi: ?

Called Citi yesterday and rep said I have 37 days after the date the annual fee posts to cancel and get a refund. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 26, 2011, 11:41:01 AM
yes, they were all last night.
did u do it all in one browser?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 26, 2011, 11:45:58 AM
did u do it all in one browser?
no, 3 browsers.  Ive done this before and never had a problem.  But I don't think its worth 2 credit pulls in 2 days to reapply for plat and premier gold. What bothers me is that the message I got was confusing.  If it said the app didnt go through then I would have reapplied right then.  But it said something about needing more than 60 seconds and Amex will let me know through email when they have processed the app.  But now it seems as if the app never went through at all.  Maybe it will be processed manually later? But if so it seems as if Ill get the 2 hits anyway, or maybe even 3.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 26, 2011, 11:50:57 AM
no, 3 browsers.  Ive done this before and never had a problem.  But I don't think its worth 2 credit pulls in 2 days to reapply for plat and premier gold. What bothers me is that the message I got was confusing.  If it said the app didnt go through then I would have reapplied right then.  But it said something about needing more than 60 seconds and Amex will let me know through email when they have processed the app.  But now it seems as if the app never went through at all.  Maybe it will be processed manually later? But if so it seems as if Ill get the 2 hits anyway, or maybe even 3.

Did you close the window when you submitted the app and saw the '60 second' message?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 26, 2011, 11:56:07 AM
Did you close the window when you submitted the app and saw the '60 second' message?
I kept it open for a while but it is closed now.  Why?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 26, 2011, 11:58:26 AM
I kept it open for a while but it is closed now.  Why?

It would probably time out, but I'd suggest trying to get the appID from the webpage's source code.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 26, 2011, 12:34:55 PM
It would probably time out, but I'd suggest trying to get the appID from the webpage's source code.
How can I do this? Go to history? And then how do I find the appID?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 26, 2011, 12:38:36 PM
How can I do this? Go to history? And then how do I find the appID?

Too late now. Right after you submit an app you can click alt+V and find the 'source' or 'view source' option (this works for IE and Firefox), for Chrome you can just right click on the page and choose view source. Then you click ctrl+F (find) and search for app/application/ID etc (different for each issuer) and you should find it.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Jasper44 on July 26, 2011, 04:57:57 PM
I need a little help with Citi. I applied for the Hilton Visa to double dip on the points with the Hilton Amex which I was approved for but I got denied by Citi. The only reason given was limited history which is true but if that's their only reason I feel like I can talk them into it if I can actually get to someone. I have a TU fico of 743 which should be close to EX, 2% utilization, no negatives, $70,000 income. I don't have student loans, paid for it as I went, and no auto loan because I paid cash and my oldest line of credit is only 2 years and I don't have a credit line over $1,000 until now, so I'm assuming that's where they are getting the limited part. I did the Chase Southwest the same day and they gave me $6,500 and I don't know what my Hilton Amex will be yet but it should be up there. Anyway, I called a few of the numbers listed here and I keep getting sent to the same department, don't know what it is, but they say they don't have access to the credit report that was pulled so they can't do anything. Huh? I've already been denied and I have the reference number and when I call I tell them I want to talk to someone about being reconsidered so why would they send me to someone who can't even see the credit report that was pulled? Is there a different recon number I should be calling?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on July 26, 2011, 07:08:29 PM
So I used the 3BM on for Chase Sapphire, Chase CO & Chase United on 7/19.

Got 2 letters today, 1st was denial for the Sapphire (just called recon and got them to approve it :)), 2nd was saying they need verification of income. The 2nd letter didnt say what card its for nor did I receive a 3rd letter for the 3rd card... Should I just fax in last years 1040 or would I be able to take the letter to the branch with my 1040? Should I wait until I receive the Sapphire card before doing anything?

P.S. Citi IdentityMonitor only sent me 1 alert so far... (Experian)

Called today regarding the Continental card which I received the letter asking for income verification, the CSR said I could give the info over the phone and then came back and said it was denied because I just had the Sapphire approved and no history with Chase CC. Called back a few minutes later and repeated the same thing with the United card and got approved for a $9k line, after the CSR approved it I asked him to look at the Continental and see what he could do, he was able to approve it by moving over $1k from the new United line :D

3BM ftw!

FYI the first CSR who denied me even after income verification told me that I had insufficient credit and that the cards that I am an AU on have no impact with my credit rating at Chase... very odd...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Smokey Joe Robinson on July 26, 2011, 07:34:30 PM
Called today regarding the Continental card which I received the letter asking for income verification, the CSR said I could give the info over the phone and then came back and said it was denied because I just had the Sapphire approved and no history with Chase CC. Called back a few minutes later and repeated the same thing with the United card and got approved for a $9k line, after the CSR approved it I asked him to look at the Continental and see what he could do, he was able to approve it by moving over $1k from the new United line :D

3BM ftw!

FYI the first CSR who denied me even after income verification told me that I had insufficient credit and that the cards that I am an AU on have no impact with my credit rating at Chase... very odd...
wow wow, very happy for you- another tale of motivated ddf success.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: elikay on July 26, 2011, 07:42:43 PM
@Jasper44
Which number did you call? Try the number  at www.dansdeals.com/wiki then click on recon numbes
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 26, 2011, 09:20:08 PM
Called today regarding the Continental card which I received the letter asking for income verification, the CSR said I could give the info over the phone and then came back and said it was denied because I just had the Sapphire approved and no history with Chase CC. Called back a few minutes later and repeated the same thing with the United card and got approved for a $9k line, after the CSR approved it I asked him to look at the Continental and see what he could do, he was able to approve it by moving over $1k from the new United line :D

3BM ftw!

FYI the first CSR who denied me even after income verification told me that I had insufficient credit and that the cards that I am an AU on have no impact with my credit rating at Chase... very odd...
Well done.
That's an easy 110K if not 150K miles!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on July 26, 2011, 09:30:49 PM
Well done.
That's an easy 110K if not 150K miles!

Thanks!

Not to sound greedy, but is it not possible to get 200k? 100k for Sapphire and 50k for each Continental/United?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 26, 2011, 10:09:13 PM
Thanks!

Not to sound greedy, but is it not possible to get 200k? 100k for Sapphire and 50k for each Continental/United?
You cant get the 100k for sapphire anymore.  You can try but it has been completely shut down as far as I know.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on July 26, 2011, 10:12:09 PM
You cant get the 100k for sapphire anymore.  You can try but it has been completely shut down as far as I know.

Ah :( I see the Sapphire card in my account online but I haven't received nor activated it yet. Should I send an SM about trying to match it now or wait until after I activate the card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on July 26, 2011, 10:14:22 PM
hey Dan and others...what do you say to explain why you want to have two of the same card open?  ie two CO or two UA cards at the same time
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 27, 2011, 12:20:43 AM
Called today regarding the Continental card which I received the letter asking for income verification, the CSR said I could give the info over the phone and then came back and said it was denied because I just had the Sapphire approved and no history with Chase CC. Called back a few minutes later and repeated the same thing with the United card and got approved for a $9k line, after the CSR approved it I asked him to look at the Continental and see what he could do, he was able to approve it by moving over $1k from the new United line :D

3BM ftw!

FYI the first CSR who denied me even after income verification told me that I had insufficient credit and that the cards that I am an AU on have no impact with my credit rating at Chase... very odd...

Way to go, MazalToff.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on July 27, 2011, 01:03:44 AM
I don't know if this will help anyone but it helped me (probably only us impatient folk).

My Chase card hasn't arrived yet, it shows up online in my account and I wanted to call in regarding it. Problem is they wouldn't speak to me about it without the full card number... Turns out if you send a SM regarding the card and then look at the sent message it has the full card number. :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 27, 2011, 01:07:42 AM
I don't know if this will help anyone but it helped me (probably only us impatient folk).

My Chase card hasn't arrived yet, it shows up online in my account and I wanted to call in regarding it. Problem is they wouldn't speak to me about it without the full card number... Turns out if you send a SM regarding the card and then look at the sent message it has the full card number. :)
Lol...very cute!
You can probably also deduce the expiration date if you want to start spending but the 3 digit code will be more of a challenge.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Jasper44 on July 27, 2011, 01:11:45 AM
@Jasper44
Which number did you call? Try the number  at www.dansdeals.com/wiki then click on recon numbes

I  called Citi: 866-606-2787 (Account Analyst), Citi: 888-201-4523 (New App Approval Status) and Citi: 800-763-9795 (Credit Dept.). Nobody can seem to transfer me to the right person. Should I just keep calling until I get transferred to the right person?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on July 27, 2011, 09:34:50 AM
Lol...very cute!
You can probably also deduce the expiration date if you want to start spending but the 3 digit code will be more of a challenge.

yup, I forgot to get them to expedite the Sapphire but they did expedite the CO and UA for me... I think I just have to learn some patience :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on July 27, 2011, 12:19:36 PM
My brother just got in the mail today a 300 dollar cash back offer for the chase freedom. Is this new?

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 27, 2011, 12:21:41 PM
My brother just got in the mail today a 300 dollar cash back offer for the chase freedom. Is this new?

Nice, sounds like it's targeted.

$300 is actually 30k UR which can be transferred to a Chase Sapphire Preferred account if you have one. That will allow for transferring these to BA/CO/Hyatt etc.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cholentfresser on July 27, 2011, 12:45:16 PM
Lol...very cute!
You can probably also deduce the expiration date if you want to start spending but the 3 digit code will be more of a challenge.
You can start spending before the card is activated?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on July 27, 2011, 12:47:19 PM
You can start spending before the card is activated?

Once you have the card number can't you just call the activation number and enter it?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 27, 2011, 12:49:13 PM
Once you have the card number can't you just call the activation number and enter it?
Sure.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cholentfresser on July 27, 2011, 12:49:27 PM
Once you have the card number can't you just call the activation number and enter it?
Oh, good point! i didn't think of that...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on July 27, 2011, 01:55:04 PM
Dan update with the new starwood offer
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: joeyjava on July 27, 2011, 10:19:31 PM
 :'( any ideas applied for spg and platinum and was instantly approved for the platinum but denied for spg because of too many inquiries... already called multiple agents to push it thru sayong the other inquiries were for the bonuses and that I was really looking forward to the benefits of spg card and got nothin.... any advice of what to say is appreciated :'(
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yossi4k on July 28, 2011, 11:51:23 AM
Citibank Hilton Honors 40k after 1k spend but NO ANNUAL FEE EVER!. Could it be this is the only credit card out there that you get a signup bonus (a nice one at that) with no annual fee at all?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 28, 2011, 11:55:54 AM
Citibank Hilton Honors 40k after 1k spend but NO ANNUAL FEE EVER!. Could it be this is the only credit card out there that you get a signup bonus (a nice one at that) with no annual fee at all?
And it comes with lifetime silver status, so you can get VIP rates.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yossi4k on July 28, 2011, 12:02:53 PM
sweet! Sound like a no brainer to me!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 28, 2011, 12:05:44 PM
Citibank Hilton Honors 40k after 1k spend but NO ANNUAL FEE EVER!. Could it be this is the only credit card out there that you get a signup bonus (a nice one at that) with no annual fee at all?
Chase Freedom has no fee and is giving up to 30k points as a sign up bonus.  And if used right (the chase trifecta) can be one of the best point earning cards out there.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: springles on July 28, 2011, 12:08:28 PM
sweet! Sound like a no brainer to me!
Just beware, the 40k Hilton points is not worth as much as 40k in most other programs.  They are known to have bad award rates. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on July 28, 2011, 12:18:10 PM
amex hhonors card has same thing but a 50k sign up offer and no annual fee ever
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yellow on July 28, 2011, 12:45:12 PM
amex hhonors card has same thing but a 50k sign up offer and no annual fee ever
So this card seems the way to go
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on July 28, 2011, 12:51:24 PM
So this card seems the way to go
I wouldn't waste an AMEX hit on that card when there are far more lucrative cards to be had.
Then again I wouldn't waste a Citi hit on it either, but Citi offers aren't nearly as lucrative once you are locked out of AA cards.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Mikeoracle on July 28, 2011, 08:49:04 PM
"AMEX: 60 days for a full refund.  Pro-rated refund after 60 days."
Someone told me that canceling after 60 days you will only get a prorated refund if you have another active American Express card. I dont think that is correct but can anyone confirm for sure?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: supercooler8 on July 28, 2011, 10:22:38 PM
same situation as BAHayman. Applied for 3 cards: sapphire, united 30k, freedom and was denied all 3 because I already have a continental chase which is 6 months old.  called recon twice and both times, they said they can't approve the united cc because of limited credit history ( 2 years) and 5 cards. They keep mentioning that I applied for 3 cards at the same time and that is considered a credit risk.

The 2nd time I called recon, they knew about the 1st call because of a note in my file.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on July 28, 2011, 10:27:38 PM
same situation as BAHayman. Applied for 3 cards: sapphire, united 30k, freedom and was denied all 3 because I already have a continental chase which is 6 months old.  called recon twice and both times, they said they can't approve the united cc because of limited credit history ( 2 years) and 5 cards. They keep mentioning that I applied for 3 cards at the same time and that is considered a credit risk.

The 2nd time I called recon, they knew about the 1st call because of a note in my file.

The note is on all three apps? Try calling with each appID separately.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on July 29, 2011, 01:10:21 AM
same situation as BAHayman. Applied for 3 cards: sapphire, united 30k, freedom and was denied all 3 because I already have a continental chase which is 6 months old.  called recon twice and both times, they said they can't approve the united cc because of limited credit history ( 2 years) and 5 cards. They keep mentioning that I applied for 3 cards at the same time and that is considered a credit risk.

The 2nd time I called recon, they knew about the 1st call because of a note in my file.
The note is on all three apps? Try calling with each appID separately.

Yup each time I called I mentioned a different reference number. I called once and didn't have the reference numbers so they asked for my ssn, once I gave that they said they couldn't approve any as they saw all 3 apps, I said thanks and hung up and called back with the reference numbers so they don't see the other apps...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: skyguy918 on July 31, 2011, 11:00:08 PM
chase verifications dept (800-278-8830)

Yeah, I called recon and was told to call them. Not sure yet what exactly they do. I'll update after I've called them.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on August 01, 2011, 01:11:33 AM
The note is on all three apps? Try calling with each appID separately.


Yup each time I called I mentioned a different reference number. I called once and didn't have the reference numbers so they asked for my ssn, once I gave that they said they couldn't approve any as they saw all 3 apps, I said thanks and hung up and called back with the reference numbers so they don't see the other apps...

For this reason I typically (when you don't know your appIDs) suggest just calling to inquire about app status with your SSN, this way you get the appIDs and it's unlikely it'll get noted that you called for recon.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on August 02, 2011, 12:01:38 AM
about the credit freezes that were discussed in this thread alot - is there any reason that you would pay to freeze/unfreeze instead of claiming identity theft? anything to lose?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on August 02, 2011, 12:19:11 AM
about the credit freezes that were discussed in this thread alot - is there any reason that you would pay to freeze/unfreeze instead of claiming identity theft? anything to lose?

Identity theft is a PIT@ (Pain In The @...), they require a notarized affidavit that has to sent in by mail, might be worth it to pay the few dollars for most people.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on August 02, 2011, 02:52:19 PM
chase told me in order to combine cards they need to pull the report is this true
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on August 02, 2011, 03:14:38 PM
@miles
IME consolidating cards didn't need a hard pull. Maybe the csr meant a soft pull
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on August 04, 2011, 11:55:46 AM
how exactly do you do the 3BM? how can you hit them all at exactly the same time?
also i know this is silly but how do you clear cookies?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: easy48 on August 04, 2011, 12:21:50 PM
how exactly do you do the 3BM? how can you hit them all at exactly the same time?

Open 3 diff browsers at the same time.  Fill them all out with your details.  They don't have to all be sent the exact millisecond but you fill them out and then hit submit on each one.  All within a short amount of time is fine.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on August 04, 2011, 01:55:40 PM
Open 3 diff browsers at the same time.  Fill them all out with your details.  They don't have to all be sent the exact millisecond but you fill them out and then hit submit on each one.  All within a short amount of time is fine.

thanx how bout the cookies
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 04, 2011, 01:58:30 PM
thanx how bout the cookies
http://www.dansdeals.com/archives/15317
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on August 04, 2011, 01:59:38 PM
thanx how bout the cookies
pressing ctrl+shift+delete, should bring up a dialog box with the option to clear cookies
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on August 04, 2011, 02:02:58 PM
thanx all i googled it! about to apply...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on August 04, 2011, 02:34:05 PM
how do i get id's off the application for future ref? they are all pending mayb cuz i froze two credit agencies
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gozalim on August 04, 2011, 02:44:30 PM
they are all pending mayb cuz i froze two credit agencies
how exactly do you do the 3BM? how can you hit them all at exactly the same time?
also i know this is silly but how do you clear cookies?
i've seen n00bs and i've seen people who know what they're doing, but this is an interesting mix
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 05, 2011, 05:30:22 PM

It might make sense to be a victim of identity theft, as is seems it'll make freezing and unfreezing your reports free for life. The links for initiating a freeze online may not be current in that article, here are the current links:
 

So how can we become victims? Does anyone here wannu steal my Identity...

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on August 07, 2011, 12:35:27 AM
So how can we become victims? Does anyone here wannu steal my Identity...

Were you never a victim of a data breach like the recent Epsilon (http://www.dansdeals.com/forums/index.php?topic=6618) or Citi (http://www.dansdeals.com/forums/index.php?topic=8634) breaches? I'm not saying those do or don't qualify, but you can be a bit creative ;)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on August 07, 2011, 11:19:52 AM
i've seen n00bs and i've seen people who know what they're doing, but this is an interesting mix

u gave me a good laugh!! thats exactly where I am - i read and read over here for hours on end - but Im just getting the guts to start playing the game - wish me luck!!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: supercooler8 on August 07, 2011, 03:06:38 PM
The note is on all three apps? Try calling with each appID separately.


Yup each time I called I mentioned a different reference number. I called once and didn't have the reference numbers so they asked for my ssn, once I gave that they said they couldn't approve any as they saw all 3 apps, I said thanks and hung up and called back with the reference numbers so they don't see the other apps...

Yeah.. the thing is, there's two numbers in the first post  of this thread: 888-270-2127 and 888-245-0625. The latter is the credit analyst reconsideration. When I saw my first denial letter, it was past 8 pm, so I called the 2nd number and even though I gave my reference number, they were able to see my entire profile and they made a note on my United 30k application. Then, I tried recon 5 times on this card and it didn't work because they knew.

I called the first number my 2nd app- freedom card- and it worked! But when I called recon for my Sapphire card, they knew - prolly because there was a wait on my 270-2127 call and they transferred me to the credit analysts? I don't know. Now I have a 6k limit on chase with 2 cards= 4k continental cc, 2k freedom. and they are not ready to offer me anymore credit because "they are the largest lender" and "repeated requests".

Funny, I applied to two citi cards in my first 3bm (technically, 5 bm:)  and was approved for the 75k aa for 12.5k limit. So.. I'm not sure how to proceed here. I see two options:

1. call up chase after the 12.5k limit posts on my report and say they are not my largest lender.
2. convert this 6k into 5k for sapphire (that's the minimum on the preferred card) and 500, 500 on continental and freedom. Then close continental and switch to United.

Any advice, wise DDFs?
This is the only way I can get the 50k UR + 30k United miles bonus at this point. Plus, I get to have the now famous Chase Trifecta.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on August 07, 2011, 03:29:08 PM
Yeah.. the thing is, there's two numbers in the first post  of this thread: 888-270-2127 and 888-245-0625. The latter is the credit analyst reconsideration. When I saw my first denial letter, it was past 8 pm, so I called the 2nd number and even though I gave my reference number, they were able to see my entire profile and they made a note on my United 30k application. Then, I tried recon 5 times on this card and it didn't work because they knew.

1. call up chase after the 12.5k limit posts on my report and say they are not my largest lender.
2. convert this 6k into 5k for sapphire (that's the minimum on the preferred card) and 500, 500 on continental and freedom. Then close continental and switch to United.


IIRC the minimum for a chase non-preferred card is $1000 even when the card is being opened with credit that is being shifted from another card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on August 07, 2011, 03:31:39 PM
IIRC the minimum for a chase non-preferred card is $1000 even when the card is being opened with credit that is being shifted from another card.

Yup when I transferred credit the minimum that was allowed was $1000. Also I am pretty sure that the $5k is for any visa signature card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on August 07, 2011, 06:43:10 PM
Chase: 877-781-3109 (Card combining & card type changes)

Dan, the number above apparently is no longer in service. You want to change that in the OP.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Jay the PRESIDENT on August 07, 2011, 07:44:25 PM
whats the usual turn around time for churning chase cards?  err ymmv?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on August 08, 2011, 05:52:35 PM
Also I am pretty sure that the $5k is for any visa signature card.
+1 IME, with other banks too.
But I noticed that sometimes, when credit is moved away from a signature card and it goes down even as low as 1k, it will still retain signature status.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on August 08, 2011, 07:24:21 PM
+1 IME, with other banks too.
But I noticed that sometimes, when credit is moved away from a signature card and it goes down even as low as 1k, it will still retain signature status.

Lemmie guess: BofA, right?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on August 08, 2011, 07:33:01 PM
I had the same with chase
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on August 08, 2011, 08:18:40 PM
+1 IME, with other banks too.
But I noticed that sometimes, when credit is moved away from a signature card and it goes down even as low as 1k, it will still retain signature status.

I have the citi aadvantage card. Its a signature card - I originally started with 5k credit line but later they cut part of my credit line. How do I know if it still retains signature status?
(In general,  wats the benefits of a sig.?)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on August 08, 2011, 10:19:33 PM
In general,  wats the benefits of a sig.?

http://www.visasignature.com
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on August 09, 2011, 04:23:19 PM
Lemmie guess: BofA, right?
Yup. How did you know?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on August 09, 2011, 05:20:42 PM
Yup. How did you know?

I had a hunch, based on my own experiences with them.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: judd on August 10, 2011, 07:55:59 AM
has anyone gotten 50k united points with the secure mess. lately?
or/also continental.
if yes can u post the letter u sent chase .
thanks!!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on August 17, 2011, 07:30:53 PM
http://www.visasignature.com

Although their concierge is quite a joke...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on August 17, 2011, 09:37:24 PM
Although their concierge is quite a joke...

+1

I wonder how it compares to the AMEX Plat's concierge...?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on August 19, 2011, 06:06:37 PM
I am completely ignorant when it comes to FF programs so I would appreciate the help. My in laws put a ton of money on cc and all they really use their points for is tickets from ny to vegas (for themselves and family). Currently they have a master card world elite rewards. Which card would you guys recommend them getting to maximize their rewards?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 19, 2011, 06:23:50 PM
I am completely ignorant when it comes to FF programs so I would appreciate the help. My in laws put a ton of money on cc and all they really use their points for is tickets from ny to vegas (for themselves and family). Currently they have a master card world elite rewards. Which card would you guys recommend them getting to maximize their rewards?
Probably www.dansdeals.com/go/swa
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on August 20, 2011, 09:44:07 PM
Probably www.dansdeals.com/go/swa
Thnx but I find out now that they only like flying jetblue. I see you don't have the jetblue amex on the card list in the OP. Do you think it's worth it to get that or just go for something like the the amex blue sky or the chase sapphire preferred?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on August 21, 2011, 11:17:33 AM
So from what I can find it looks like the amex blue sky with no annual fee and paying out at 1.33 cents a mile seems to be the best for booking on jetblue. Am i missing anything?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 21, 2011, 11:30:41 AM
2% cash back here: www.dansdeals.com/go/perk
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on August 21, 2011, 11:57:53 AM
2% cash back here: www.dansdeals.com/go/perk

Forgot about this. Looks great. Any idea what kind of protection debit cards give you? Are you just as covered as with a cc for chargebacks and fraudulent charges?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 21, 2011, 12:13:34 PM
Forgot about this. Looks great. Any idea what kind of protection debit cards give you? Are you just as covered as with a cc for chargebacks and fraudulent charges?
CC is better for chargebacks and fraud than debit cards, but they say you're still protected with debit.
Of course with debit the money is gone until they investigate while with credit you don't pay anything while they investigate.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 21, 2011, 03:35:40 PM
Added the 75k AA links to the OP per popular request.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: aussiebochur on August 22, 2011, 08:51:35 AM
CC is better for chargebacks and fraud than debit cards, but they say you're still protected with debit.
Of course with debit the money is gone until they investigate while with credit you don't pay anything while they investigate.
IME, even on the debit card they give you a temporary credit until the investigation is completed.
Personally was using Chase CO Debit.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Zeeeeks on August 22, 2011, 03:45:40 PM
Added the 75k AA links to the OP per popular request.
Thanks Dan :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 22, 2011, 04:01:32 PM
Off topic: Why is there a red slash and a unlocked symbol in the browser when clicking the Experian link in the first post???

I hope this is not a fake scam site... But if it is it is too late for me  :( :(

https://www.experian.com/freeze/center.html   
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 22, 2011, 04:02:53 PM
Off topic: Why is there a red slash and a unlocked symbol in the browser when clicking the Experian link in the first post???

I hope this is not a fake scam site... But if it is it is too late for me  :( :(

https://www.experian.com/freeze/center.html   
The red slash means that they're onto you.  Grab some extra tinfoil.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: irleetnoob on August 22, 2011, 06:20:34 PM
The red slash means that they're onto you.  Grab some extra tinfoil.

+1, hahahaha. Fashion the tinfoil into a wizard's hat...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 22, 2011, 07:03:12 PM
The red slash means that they're onto you.  Grab some extra tinfoil.

LOL
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 22, 2011, 09:16:22 PM
Southwest went down to 25K...?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 22, 2011, 09:17:50 PM
Southwest went down to 25K...?
Yup, it's for a lower annual fee though.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on August 22, 2011, 11:37:40 PM
B"H

Dan

Got approved instantly last week on the 3 browser push for citi AA 30k mile personal card and the simplicity card but was denied for the biz card after they took 3 days to process a credit check bc they saw I made multiple credit apps.  I didn't realize the 75k AA card was still happening and i'd liken to apply.  Will I get flagged ya think by Citi if I apply for the 75k card now and ultimately denied?  Any others experience this?

Thx
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 22, 2011, 11:39:00 PM
Need to wait 60 days between Citi personal card apps.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on August 22, 2011, 11:40:20 PM
Off topic: Why is there a red slash and a unlocked symbol in the browser when clicking the Experian link in the first post???

I hope this is not a fake scam site... But if it is it is too late for me  :( :(

https://www.experian.com/freeze/center.html   

No it is not a fake site, your connection to experian is encrypted but they are including a resource via an unencrypted connection (in this case its this (http://www.google.com/afsonline/show_afs_search) script).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Galitzyaner on August 23, 2011, 04:40:41 AM
Hi Dan, i hope you can help me here. I applied for 3 Chase cards using the 3bm and just received the letters in the mail that i was rejected for every one of them, CO,UA & Freedom.

The reasons: Credit Report did not score enough points...
Strange that on one letter it said my score is 707 (based on FICO-Experian. Range 300-850) and the other said my score is 661 (based on Chase Bank. Range 100-990), i don't really understand the discrepancies here... whatever

Primary Factors:
-Not enough accts open long enough
-too many requests for new credit or reviews (i think almost all from Chase, attempting to open those same cards)
-balances are too high compared to credit limit (they looked of course right before i paid my bills... thank you)
-too many recently opened accts. (oddly enough, from ...Chase)

I thought i'd get approved because i WAS approved for the BA card a few months ago..
BTW, i pay ALL my bills on time.
Amex approved me for 2 cards on that same day.

So my Q. is, A) Which of the numbers below should i call (1st  2nd 3rd..)?
                 Chase: 800-432-3117 (Application status)
Chase: 888-270-2127 (Application reconsideration)
Chase: 877-781-3109 (Card combining & card type changes)
Chase: 888-245-0625 (Credit Analyst reconsideration)
Chase: 888-622-7547 (Chase Executive Office)

B) What would be my best argument to get reconsidered?

Thanks to anyone who thinks they can help. :-*

I really want to grab the CO (50K) and UA (30K) while i can..

 :(
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on August 23, 2011, 04:49:13 AM
Welcome to the forums!

I just use the number to the credit analist reconsideration and got a card approved. My argument was that I was just approved for the BA card  in May, so I'm abviosly credit worthy and I don't carry any balances. I also proactivly told them that if they
Don't want to extend more credit to me at the moment, they can take some of the credit line from my BA card. After a few minutes hold I was approved for the new card with 5K CL.

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Galitzyaner on August 23, 2011, 05:17:13 AM
Welcome to the forums!

I just use the number to the credit analist reconsideration and got a card approved. My argument was that I was just approved for the BA card  in May, so I'm abviosly credit worthy and I don't carry any balances. I also proactivly told them that if they
Don't want to extend more credit to me at the moment, they can take some of the credit line from my BA card. After a few minutes hold I was approved for the new card with 5K CL.

But i have THREE cards applications declined, are you saying i should work one card at a time?  By asking to 'just approve one' and then calling again and trying to get the 2nd approved.. etc..?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on August 23, 2011, 09:04:19 AM
But i have THREE cards applications declined, are you saying i should work one card at a time?  By asking to 'just approve one' and then calling again and trying to get the 2nd approved.. etc..?

I think you should do one at a time, though I don't have experience with multiple application at Chase, but that makes the most sense.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 23, 2011, 10:34:51 AM
Yup, it's for a lower annual fee though.

Southwest was the third app I was attempting last night, I ended up filling out my info about 5 times w/o signing up for anything: First I did the preferred than the Hyatt, which made me take time to make a gold passport so I lost the preferred app, than, after I finally had both the hyatt and preferred app good to go, I got a call so I lost them again, than, after filling in the Preferred twice and the hyatt once, I filled them both in again and came Southwest and realized that it's only 25K, so I dropped all of them to take time to decide which is my next best bet...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: pyth on August 23, 2011, 11:06:41 AM
I did 3 browser method with Chase (hyatt, saphire and continental) and froze my experian credit report, so they pulled Equifax where my score is over 780.

I got back 3 letters denying me  because 'Too many requests for credit or opened accounts with us'

What is the best approach for recosideration with them:

I currently have a Marriott for 10k credit line, Freedom with 16k and Another Chase with 5k. I had a BA card which I cancelled last year with 20k, which I regretably did not transfer the balance over. I don't mind closing the Marriott and other chase and I am willing to transfer line from Freedom Card. (the most recent Chase card I opened was over a year ago)

I am also an authorized user on 2 other accounts with Chase for approx 40k, does that have an effect on my own ability to get more credit from Chase, if so I will remove myself as authorized user. (these 2 were opened this year, the most recent was 3-4 months ago)

I would appreciate anyones advice as the best way to handle my situation, as I don't want to call Chase and screw it up for myself.

Thanks

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 23, 2011, 11:29:56 AM
Now that southwest went down to only 25K, what do you guys suggested as an alternative for the third app (after Preferred and Hyatt)? Continental? United?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 23, 2011, 01:01:10 PM
Now that southwest went down to only 25K, what do you guys suggested as an alternative for the third app (after Preferred and Hyatt)? Continental? United?
Continental
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Galitzyaner on August 23, 2011, 05:41:23 PM
Hi Dan, i hope you can help me here. I applied for 3 Chase cards using the 3bm and just received the letters in the mail that i was rejected for every one of them, CO,UA & Freedom.

The reasons: Credit Report did not score enough points...
Strange that on one letter it said my score is 707 (based on FICO-Experian. Range 300-850) and the other said my score is 661 (based on Chase Bank. Range 100-990), i don't really understand the discrepancies here... whatever

Primary Factors:
-Not enough accts open long enough
-too many requests for new credit or reviews (i think almost all from Chase, attempting to open those same cards)
-balances are too high compared to credit limit (they looked of course right before i paid my bills... thank you)
-too many recently opened accts. (oddly enough, from ...Chase)

I thought i'd get approved because i WAS approved for the BA card a few months ago..
BTW, i pay ALL my bills on time.
Amex approved me for 2 cards on that same day.

So my Q. is, A) Which of the numbers below should i call (1st  2nd 3rd..)?
                 Chase: 800-432-3117 (Application status)
Chase: 888-270-2127 (Application reconsideration)
Chase: 877-781-3109 (Card combining & card type changes)
Chase: 888-245-0625 (Credit Analyst reconsideration)
Chase: 888-622-7547 (Chase Executive Office)

B) What would be my best argument to get reconsidered?

Thanks to anyone who thinks they can help. :-*

I really want to grab the CO (50K) and UA (30K) while i can..

 :(

Welcome to the forums!

I just use the number to the credit analist reconsideration and got a card approved. My argument was that I was just approved for the BA card  in May, so I'm abviosly credit worthy and I don't carry any balances. I also proactivly told them that if they
Don't want to extend more credit to me at the moment, they can take some of the credit line from my BA card. After a few minutes hold I was approved for the new card with 5K CL.



I called the Credit Analyst reconsideration, i gave all my arguments and asked them if they can just consider at one card -CO, i offered to transfer credit from BA.. and they put in a reconsideration and came back a few minutes later telling me the primary reason they cannot and will not approve me is because of insufficient time since my last acct. approved (ie; BA card in May) and they would like to see how i handle that acct., so even though i have that acct. since May and all paid on time, they're still afraid of giving me too much credit, and i just have to give it more time and keep on applying (thus giving myself more inquiries and hence never getting approved ::) )

Ever since then, every time i call the Reconsideration dep., they say i already submitted a reconsideration request and it was denied ...they cannot do anything....

So my dear colleges, any way you can help me here, i really want to take advantage of this CO 50K offer, anything else i can do to get this card approved?

Any possibilities Dan?

Thanks in advance.
Title: amex plat
Post by: dovidb on August 23, 2011, 05:50:07 PM
i tried signing up for the amex platnum thru your link and when i clicked to apply i got this message
   
"We apologize that the offer you are looking for may no longer be available.
Click here to learn more and apply for the current offer".

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: irleetnoob on August 23, 2011, 05:59:18 PM
i tried signing up for the amex platnum thru your link and when i clicked to apply i got this message
   
"We apologize that the offer you are looking for may no longer be available.
Click here to learn more and apply for the current offer".



Clear your cookies and try again :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on August 23, 2011, 06:03:04 PM
Need to wait 60 days between Citi personal card apps.

Appreciate the reply.  enjoying the forums and insights. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 23, 2011, 06:06:13 PM
i tried signing up for the amex platnum thru your link and when i clicked to apply i got this message
   
"We apologize that the offer you are looking for may no longer be available.
Click here to learn more and apply for the current offer".


You need to use another browser, clear your cookies, or browse incognito/in-private.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dovidb on August 23, 2011, 06:13:56 PM
i switched to crome and it worked thanx
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Galitzyaner on August 23, 2011, 07:10:33 PM
Anybody have ANY advice for me?  :(
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 23, 2011, 07:53:35 PM
No it is not a fake site, your connection to experian is encrypted but they are including a resource via an unencrypted connection (in this case its this (http://www.google.com/afsonline/show_afs_search) script).

So how to know when it is really unsafe and when it is just parts that are not encrypted?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on August 23, 2011, 08:12:43 PM
Anybody have ANY advice for me?  :(

Did you try any other numbers?

Otherwise, I'd make at least one purchase on you current Chase card every month to show activity, and re-apply in another 3-4 months.
Title: Re: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on August 23, 2011, 08:19:08 PM
So how to know when it is really unsafe and when it is just parts that are not encrypted?

If you are accessing a site and you see a certificate (meaning you are connected to an https site) then your connection to the site itself is encrypted. You can usually click on the https and get information about the certificate and connection.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on August 23, 2011, 11:27:32 PM
Quote
Chase: 877-781-3109 (Card combining & card type changes)

I called the number. A recording said that the number is no longer in use and to use the number on the back of the card.

I spoke to a representative and asked to shift the credit lines of my three chase cards (slate, amazon.com, and cash plus rewards) to three 'new' cards (continental, united, sapphire preferred). She said that she can change the account types, but I wouldn't be considered a new user for the cards and wouldn't get the sign on bonuses.

So... the only way to get the sign on bonuses is to start from scratch and open up new cards? It's a shame... I have tens of thousands of dollars in 'useless' credit with chase. :o
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 24, 2011, 12:08:32 AM
Apply for 3 new cards and then you can close old cards and shift over credit to get new ones approved.
Title: Re: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 24, 2011, 09:47:03 AM
If you are accessing a site and you see a certificate (meaning you are connected to an https site) then your connection to the site itself is encrypted. You can usually click on the https and get information about the certificate and connection.

It's interesting that Gmail seams more protected on Firefox than on Chrome - At least FWIU from clicking on the http symbols.
Title: Re: Re: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on August 24, 2011, 10:24:47 AM
It's interesting that Gmail seams more protected on Firefox than on Chrome - At least FWIU from clicking on the http symbols.

They both have the same encryption, Chrome just does a better job at letting you know when it has other unencrypted resources.

I found that some of the labs cause the unencrypted resources to be loaded IME.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sammy-in-ny on August 24, 2011, 03:06:47 PM
American Express Consumer cards:
-Platinum Charge Card, (http://www.dansdeals.com/go/amexplat) 25,000 points for spending $1,000. $200 annual airline credit. Plat+Priority Club+Regus Lounge access. Global Entry membership. Starwood Gold status. No Forex fee.

American Express Business cards:
-Platinum Charge Card (http://www.dansdeals.com/go/amexplatbusiness/) $200 annual airline credit. Plat+Priority Club+Regus Lounge access. Global Entry membership. Starwood Gold status. AMEX Open Savings. No Forex fee.

You mean Priority Pass, right?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on August 24, 2011, 05:52:08 PM
You mean Priority Pass, right?

Priority pass, priority club, tomato tomato
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 24, 2011, 05:58:03 PM
You mean Priority Pass, right?
Thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 24, 2011, 06:11:57 PM
Thanks
You mean Priority Pass, right?
Wow, I spy a very Miduyakdige OP for the future...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sammy-in-ny on August 24, 2011, 06:16:41 PM
Priority pass, priority club, tomato tomato

Thanks

Wow, I spy a very Miduyakdige OP for the future...

I wasn't trying to be a smart-a$$ or anal about it... was clarifying in case there was something else called "Club" that I didn't know about.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 24, 2011, 06:22:26 PM
I got that, and that's why I wrote what I wrote. Dan is constantly updating it, whether in cases like you brought up or changes in the available offers, or in additions like telephone numbers 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on August 24, 2011, 08:30:40 PM
Can you put on a link for the amex blue cash preferred? Someone asked me to send them an app for it so might as well do it thru the site if you get something out of it.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 24, 2011, 08:32:26 PM
Can you put on a link for the amex blue cash preferred? Someone asked me to send them an app for it so might as well do it thru the site if you get something out of it.
Click on Blue Cash and you have the option of the regular or preferred version.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on August 24, 2011, 08:32:49 PM
thnx
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on August 25, 2011, 12:40:40 PM
@miles
IME consolidating cards didn't need a hard pull. Maybe the csr meant a soft pull
just checked report only one pull for the original app
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on August 25, 2011, 06:51:14 PM
Can you put on a link for the amex blue cash preferred? Someone asked me to send them an app for it so might as well do it thru the site if you get something out of it.

Just realized I should prob tell him to sign up for something with a better sign up bonus and then convert after to the blue cash. Which is the best value sign up bonus now for AMEX cc (I'm assuming can't convert from a charge card) spg?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 25, 2011, 07:14:59 PM
Just missed the 30K spg...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on August 25, 2011, 07:26:24 PM
Just missed the 30K spg...

Yeah i know, it's a shame but he didn't ask me about it til yesterday so too late. Is spg the best value even with only 10k? Also if he signs up for the spg and then converts do you know if he will still get the first year annual fee free on the blue cash or it's only  if you apply for that card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 25, 2011, 07:43:17 PM
Just missed the 30K spg...
And the matching game just begins...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on August 25, 2011, 08:48:04 PM
And the matching game just begins...

You think if he applies now they would match him for an expired offer?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sammy-in-ny on August 29, 2011, 11:01:25 AM
Dan, I think it would be useful to add info to post#1 on how often since application/approval you should wait before applying with the same bank.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on August 29, 2011, 08:51:12 PM
You think if he applies now they would match him for an expired offer?

Why not - so far and IME they have matched every offer
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on August 29, 2011, 09:24:33 PM
I tried 3BM with Chase. I cleared my browser data in IE, Chrome, and Firefox. Then, I applied for the CO, United, and Hyatt cards.
I figured that once I get them I'll close my other 3 chase cards by consolidating the balances with these three.

I got three rejection letters. Each said, "Too many requests for credit or opened accounts with us."

I called the number provided for reconsideration. The rep was sympathetic. He said that it couldn't possibly be for having too many accounts because I only have three and they were opened years ago.  He then noticed that it was because I applied for three on the same day. He explained that you can only open two card within 30 days. Did anyone else hear about this rule with chase?

Anyway, he helped me dump two of my old cards in order to get the CO and Hyatt. He invited me to call back again in October for the United card.

Ok... at least I got a free peek at my credit report with Experian.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on August 30, 2011, 09:39:19 AM
whenever i call recon. for a business app they tell me that they can't access business apps and to call a different department which always seems to be closed even during normal business hours
anyone have a different number?

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on August 30, 2011, 09:55:46 AM
Why not - so far and IME they have matched every offer

I know they match offers even if your weren't targeted or are not eligible. Don't remember hearing about them matching offers that were no longer valid
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on August 31, 2011, 07:18:12 PM
I applied and got approved for the Citi Thank You Premier card with the 50k bonus when it was active about 1 month ago. I just got hit with the $125 annual fee, but I was under the impression that it was fee free for the first year. Can anyone confirm if its was supposed to be fee free 1st year?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on August 31, 2011, 08:06:19 PM
I applied and got approved for the Citi Thank You Premier card with the 50k bonus when it was active about 1 month ago. I just got hit with the $125 annual fee, but I was under the impression that it was fee free for the first year. Can anyone confirm if its was supposed to be fee free 1st year?
Nope it was not waived with that offer.  But you should be able to downgrade to a fee-free card, but then the value of your points will go down.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on August 31, 2011, 11:58:24 PM
Can someone confirm wether the chase hyatt card has an annual fee or not  - it doest say in the op. Thanx
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on September 01, 2011, 12:04:08 AM
Can someone confirm wether the chase hyatt card has an annual fee or not  - it doest say in the op. Thanx

Nevermind I found it myself. There is a $75 annual fee.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on September 01, 2011, 12:27:47 AM
Has anyone this year successfully applied for three Chase cards using 3BM?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 01, 2011, 12:54:51 AM
Has anyone this year successfully applied for three Chase cards using 3BM?

Depends on what you mean by "successfully."

Instant approval, or eventual approval? If the latter, yes, I know of people.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on September 01, 2011, 02:32:50 AM
I may do a 3 chase BM tomorrow.  Will report back if I do.  Curious as well success rate of others.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 02:34:56 AM
I've done it twice this year successfully with ease.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on September 01, 2011, 02:51:21 AM
Dan, what were ur card combos each time?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 02:59:44 AM
Dan, what were ur card combos each time?
So far this year I've gotten BA, CO OPP, Hyatt, Ink Bold, SWA, Sapphire Preferred, and UA Sig.
Holdovers are the Freedom and CO PP.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: compddd on September 01, 2011, 10:12:21 AM
Dan did you manage to get matched to the 80k for Ink Bold?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on September 01, 2011, 01:20:21 PM
ok, so i did my first ever 3BM for Chase cards.  I have been successful in the last few weeks getting approval for 2 Citi cards for me and 3 for my wife (although they only sent approval via email and mail for 2 for her) in the last few weeks.  I applied for CO OPP, SW, and Hyatt.  I did all within a second of each other and all 3 came back with a message that the analysts will review the app and notify me within 10 days.  Typical or a bad omen?  Does Chase do this more than Citi?  I only have a SLATE card with Chase that was opened many years ago.  I do my banking with them.  Thoughts?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on September 01, 2011, 01:39:47 PM
just found the "Chase Reconsideration" forum section and read the posts there, got most of my answers.  looks like relatively common for Chase to not approve on the spot.  Hopefully won't get 2 or 3 credit pulls and perhaps will have to call Recon Dept.  One thing i wasn't sure of was the question asking if i have online banking setup and the app did say that could expedite the process.  I do have one but it's under my wife's login info so i put no.  thoughts on if that adversely affected the instant approval? 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gozalim on September 01, 2011, 01:51:11 PM
One thing i wasn't sure of was the question asking if i have online banking setup and the app did say that could expedite the process.  I do have one but it's under my wife's login info so i put no.  thoughts on if that adversely affected the instant approval? 
on the contrary. it only expedites by pre-filling the form, not the actual approval process. and with things like churns, 3bm etc. you're usually better of NOT logging in
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 02:05:28 PM
The real key with Recon is staying cool under pressure and explaining why you want a card.
My Ink Bold and Sapphire were approved without Recon but SWA was denied initially.  The credit analyst rep said I had opened 13 Chase cards in the past year and there was no way she was going to approve the card.

I stayed cool and explained that I do a ton of traveling and enjoyed the benefits of getting free bags on UA, flex elite miles on CO, BOGO tickets on BA, elite status with Hyatt, bonus points with no Forex fees with Sapphire Preferred, Ink Bold for business purchases, 5% categories with Freedom, and wanted to have the SWA card for when I fly SWA and to go for their companion pass.

Approved :)

Ink Bold And Sapphire Preferred are gorgeous cards by the way.  Kudos to the Chase design team as well as their awesome Recon/Analyst dept.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on September 01, 2011, 02:24:27 PM
The real key with Recon is staying cool under pressure and explaining why you want a card.

+100

With enough tries you can push through all kinds of issues at Chase's recon dept. I have a list of rebuttals ready in my head when I call, so whatever reasons they give for denial, I have an ironclad response to fire back at them. I also stress the usual points: Long time customer, always pay on time and in full, spend a lot, low utilization, good score, high income-to-debt ratio, etc. etc.

Ink Bold And Sapphire Preferred are gorgeous cards by the way.  Kudos to the Chase design team

My Sapphire Preferred is much nicer than my Ink Bold. But even the SP isn't even remotely as nice as the glossy card they market:

(http://credit-cards.findthebest.com/sites/default/files/157/media/images/chasesapphirepreferred.jpeg)


Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 02:30:42 PM
My old Sapphire Preferred was glossy, but not heavy like this one.
I prefer the new non-glossy heavy one.  The old one was a bit tacky.

And definitely +1 on stressing that you're a good customer for those reasons.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sammy-in-ny on September 01, 2011, 02:46:19 PM
I also stress the usual points: Long time customer, always pay on time and in full, spend a lot, low utilization, good score, high income-to-debt ratio, etc. etc.

And definitely +1 on stressing that you're a good customer for those reasons.

FWIW, I stressed these with Citi (see this thread (http://www.dansdeals.com/forums/index.php?topic=9823.0)) but still no go. :-(
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 02:58:17 PM
but still no go. :-(
Read the OP.

The OP has also been updated with the current Citi LTOs.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sammy-in-ny on September 01, 2011, 03:27:11 PM
Read the OP.

Oh, I practically have it memorized at this point. I asked for suggestions on the other thread, but I think I'll just have to write a letter to Mr. Stork as suggested.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on September 01, 2011, 03:31:11 PM
+100

With enough tries you can push through all kinds of issues at Chase's recon dept. I have a list of rebuttals ready in my head when I call, so whatever reasons they give for denial, I have an ironclad response to fire back at them. I also stress the usual points: Long time customer, always pay on time and in full, spend a lot, low utilization, good score, high income-to-debt ratio, etc. etc.

My Sapphire Preferred is much nicer than my Ink Bold. But even the SP isn't even remotely as nice as the glossy card they market:

(http://credit-cards.findthebest.com/sites/default/files/157/media/images/chasesapphirepreferred.jpeg)

Asher, welcome back!!!

Assuming this is you and nobody hacked your account.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on September 01, 2011, 03:48:32 PM
Dan. why don't you remove this since nobody is getting it anymore - AFIK:


-You can try sending a secure message to Chase after getting the card to ask for 100K points!  Reference offer code: S6V
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 03:50:15 PM
Dan. why don't you remove this since nobody is getting it anymore - AFIK:


-You can try sending a secure message to Chase after getting the card to ask for 100K points!  Reference offer code: S6V

Done, thanks.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on September 01, 2011, 04:34:51 PM
Chase: 877-781-3109 (Card combining & card type changes) is "no longer in use. Please use the costumer service number in the back of your card ": 1-800-432-3117
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 04:42:16 PM
Chase: 877-781-3109 (Card combining & card type changes) is "no longer in use. Please use the costumer service number in the back of your card ": 1-800-432-3117
Ty
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on September 01, 2011, 04:44:13 PM
Ty

Glad to be of help!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on September 01, 2011, 06:51:12 PM
sorry guys, what's does "OP" stand for?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on September 01, 2011, 07:00:05 PM
sorry guys, what's does "OP" stand for?

"Original post" or "original poster".
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on September 01, 2011, 07:26:47 PM
 ;)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on September 01, 2011, 07:27:05 PM
Asher, welcome back!!!

Assuming this is you and nobody hacked your account.

Right, because that's totally what a hacker would post ::)

P.s. I've been lurking in the shadows for some time, I've even posted a bit here and there IIRC.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on September 01, 2011, 09:08:28 PM
Today i received from Amex changes to Terms & Cond. for Delta Gold card they removed the miles boost from Jan. 2012
does this mean its will no longer be Miles Boost up to 30K MQM for the reserve card ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 09:49:21 PM
Right, because that's totally what a hacker would post ::)
That's what I was thinking.
Now if you saw a post from AsherO that had this in it then I would suspect it had been hacked:

(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on September 01, 2011, 09:51:05 PM
That's what I was thinking.
Now if you saw a post from AsherO that had this in it then I would suspect it had been hacked:

(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)(http://elouai.com/images/yahoo/58.gif)
lol
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 01, 2011, 10:47:34 PM
With enough tries you can push through all kinds of issues at Chase's recon dept. I have a list of rebuttals ready in my head when I call, so whatever reasons they give for denial, I have an ironclad response to fire back at them. I also stress the usual points: Long time customer, always pay on time and in full, spend a lot, low utilization, good score, high income-to-debt ratio, etc. etc.

What do you tell them in this situation? I'm at a brick wall it seems:

4/11/11 - Applied and approved for Chase BA (got 100k)
6/20/11 - Applied and approved for Chase Sapphire (got 100k)
8/5/11 - Applied for Hyatt + SWA

Called recon and got Hyatt pushed through, but only after being forced to take a portion of the credit limit from Chase BA.

Called a couple of times already to try and get the SWA approved but met with a stern denial both times: "too many accounts in a short period"

Any ironclad response? =)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 10:50:02 PM
Offer to close the BA to get SWA approved.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 01, 2011, 10:51:08 PM
Did that. Rejected yet another time, unfortunately. They said its not only about the "extended credit" but about "opening too many accounts" even if the overall credit risk is the same. Made no sense to me.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 10:55:29 PM
Did that. Rejected yet another time, unfortunately. They said its not only about the "extended credit" but about "opening too many accounts" even if the overall credit risk is the same. Made no sense to me.
Which number are you calling?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 01, 2011, 11:02:02 PM
Which number are you calling?

# from the OP: 888-245-0625 (Credit Analyst reconsideration)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 11:03:07 PM
# from the OP: 888-245-0625 (Credit Analyst reconsideration)
Have you tried Recon?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 01, 2011, 11:05:47 PM
Have you tried Recon?

Checking my phone for that # this minute to confirm
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 01, 2011, 11:14:48 PM
Seems that I may have been calling Credit Analyst recon... you think the other one would be better?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 01, 2011, 11:17:09 PM
Seems that I may have been calling Credit Analyst recon... you think the other one would be better?
I'm sure you know the 4 letter answer I'm going to give so I'll write out this much longer sentence instead to shake things up a bit.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 01, 2011, 11:17:44 PM
I'm sure you know the 4 letter answer I'm going to give so I'll write out this much longer sentence instead to shake things up a bit.

I asked for that one.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on September 02, 2011, 11:07:55 AM
They now have a $250 sign up bonus for the chase freedom if you want to add it to the list
https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DJK7&CELL=
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on September 03, 2011, 10:12:20 PM
What is 'matching'? How does it work?
Is it like calling up amex and saying that chase is offering more points?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on September 03, 2011, 10:34:20 PM
What is 'matching'? How does it work?
Is it like calling up amex and saying that chase is offering more points?

It means you call up AMEX and tell them that you heard there is a better offer they are giving, and you want to be matched to the better offer.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on September 04, 2011, 01:30:24 AM
did a 3 BM Citi cards for da wife:  75k visa, 30k visa, 30k amex.  got instant approval on all 3 browsers.  only 2 paper approval letters and their corresponding cards showed up:  the 75k visa and the 30k amex.  i presume they saw apps for 2 of the same visa cards and nixed one of the cards?  whaddya think?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on September 04, 2011, 01:41:13 AM
check that:  i did 2 apps for the 75k visa and 1 for the 30k amex...they likely saw two identical and only issue one? is this a YMMV as others have gotten 2 of the same sent out?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on September 04, 2011, 01:43:46 AM
after finishing off a chase 3BM and getting all the rejections through, Im ready to move on! as far as points go what are the 3 best signup offers out there now (non chase)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yellow on September 04, 2011, 01:49:33 AM
after finishing off a chase 3BM and getting all the rejections through, Im ready to move on! as far as points go what are the 3 best signup offers out there now (non chase)
Amex plat gold and spg imho. Use the codes for plat and gold. Good luck!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on September 04, 2011, 01:56:32 AM
Amex plat gold and spg imho. Use the codes for plat and gold. Good luck!
what codes? the ones for matching points? I thought they stopped honoring them
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yellow on September 04, 2011, 02:05:11 AM
what codes? the ones for matching points? I thought they stopped honoring them
Nah I don't think they officially stopped. Of course ymmv but based on what I'm reading I would take the risk and give it a shot. Persistence with amex is the key
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on September 05, 2011, 11:59:46 AM
i got this offer by email is this a good offer ? AMEX Hilton HHonors 60k (https://www262.americanexpress.com/apisites/microsite/apply/hilton-hhonors-surpass-card/71-1000-39?returnUrl=http://www.americanexpress.com=)

 9-6-3 points structure:
Receive 9 HHonors Bonus Points for every eligible dollar you spend at any participating Hilton Family hotel - and receive 6 HHonors Bonus Points for every eligible dollar you spend at supermarkets, gas stations, drugstores, and more. Plus, receive 3 HHonors Bonus Points for virtually every dollar spent elsewhere

 Complimentary Gold status: Complimentary Gold status for the first year

 Airport lounge access: Access to over 500 airport lounges around the world - with complimentary Priority Pass membership valued at $99
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on September 05, 2011, 12:09:19 PM
i got this offer by email is this a good offer ? AMEX Hilton HHonors 60k (https://www262.americanexpress.com/apisites/microsite/apply/hilton-hhonors-surpass-card/71-1000-39?returnUrl=http://www.americanexpress.com=)

 9-6-3 points structure:
Receive 9 HHonors Bonus Points for every eligible dollar you spend at any participating Hilton Family hotel - and receive 6 HHonors Bonus Points for every eligible dollar you spend at supermarkets, gas stations, drugstores, and more. Plus, receive 3 HHonors Bonus Points for virtually every dollar spent elsewhere

 Complimentary Gold status: Complimentary Gold status for the first year

 Airport lounge access: Access to over 500 airport lounges around the world - with complimentary Priority Pass membership valued at $99
and if u read the terms & condi. u should be able to get 70K points
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on September 05, 2011, 05:13:39 PM
how is the Hilton points with redemption
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 05, 2011, 07:43:28 PM
how is the Hilton points with redemption
Great for Bora Bora if nothing else.

I'm sitting on 7 figures that I hope to use there and at the Waldorf J'lem one day.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on September 05, 2011, 07:43:58 PM
how is the Hilton points with redemption
http://hhonors1.hilton.com/en_US/hh/rewards/freenight.do
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 06, 2011, 11:51:11 AM
Have you tried Recon?

Seems that I may have been calling Credit Analyst recon... you think the other one would be better?

I'm sure you know the 4 letter answer I'm going to give so I'll write out this much longer sentence instead to shake things up a bit.

I asked for that one.

Well,  Dan, it worked! I'm shocked. Now, how do I ensure I get the signup bonus?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 06, 2011, 01:05:14 PM
Congrats, just spend $1.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 06, 2011, 03:44:34 PM
No, no. To clarify, I mean how do I ensure that the promotion was attached to this application/approval?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 06, 2011, 04:23:23 PM
No, no. To clarify, I mean how do I ensure that the promotion was attached to this application/approval?
If you applied with that promo and got that app approved I can't see why it wouldn't be attached.  Spend $1 and you'll know for sure though.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: shudisf on September 06, 2011, 04:42:26 PM
i applied for amex platinum and didn't get approved. they sent me a letter that i have to fill out a form from the irs and send in last years tax return, something i can't do... any advice?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 07, 2011, 01:10:40 PM
If you applied with that promo and got that app approved I can't see why it wouldn't be attached.  Spend $1 and you'll know for sure though.

I did and it was, so hopefully all will be well. Like you said, after spending $1, I'll know for sure, just would rather not have to fight for it on the other end. As they say, an ounce of prevention = a pound of cure.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: est on September 08, 2011, 09:41:01 PM
it seems from some other threads that the matching on amex is over, so I dont want to rely on those promos- so otherwise what would be the best 3BM non chase (ive got now a freedom, saphire, continental, BA, starwood, Amex Gold charge card)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on September 08, 2011, 09:50:59 PM
Chase Consumer cards:
-Continental, (http://www.dansdeals.com/go/onepassplus/) 30K miles for spending $1 and adding an additional cardholder. Free checked luggage on Continental and United. Free Priority boarding with card.  Non-expiring miles with card.  Last seat EasyPass award avaialbility with card. Free primary Car Rental CDW. 2 annual lounge passes.  $2 in-flight LiveTV and Premium Drink discount. 10K bonus miles for spending $25K annually. Comp upgrades for elite cardholders on award tickets. Double miles for Continental and United purchases. No fee first year.
-You can try sending a secure message to Chase after getting the card to ask for 50K miles.

I hate to sound ignorant, but... can you give me a suggested text to use when making such a request?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on September 08, 2011, 09:54:42 PM
A Chase rep told me that there is a two card limit per 30 days;  if I want an additional card I'll have to wait.

A) is the rep correct?
B) If yes, anyone know if that applies to business cards as well?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on September 09, 2011, 11:11:32 AM
Great for Bora Bora if nothing else.

I'm sitting on 7 figures that I hope to use there and at the Waldorf J'lem one day.
so its not worth getting this card ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 09, 2011, 01:22:08 PM
so its not worth getting this card ?
Not what I said.  The card gives great discounts on awards, but go in with your eyes open about how much points you need for hilton redemptions as it's very different that SPG or Hyatt.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: ChMo on September 09, 2011, 02:12:01 PM
A Chase rep told me that there is a two card limit per 30 days;  if I want an additional card I'll have to wait.

A) is the rep correct?
B) If yes, anyone know if that applies to business cards as well?


In my experience, Chase has been tightening up on instant approvals, if you already have multiple cards with them.  When you call reconsideration, if you have a good history with them and clean credit report, and especially if you spend nicely and pay in full on your existing cards with them, they have still been approving my new cards.  I would say, try 2 or 3 new cards every 32 days using 3-browser method to start, and if they deny you upon reconsideration, cut back until you find your sweet spot for approvals.  It seems like Chase is giving their reconsideration analysts some discretion to approve or decline, so it definitely seems like YMMV.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: ChMo on September 09, 2011, 02:32:25 PM
Also, I did't see it posted anywhere on dansdeals, or anywhere for that matter, but here are the direct Chase credit line consolidation phone numbers:

Chase (Credit Reallocation - Consumer)   (888) 298-5623
Chase (Credit Reallocation - Business)     (800) 453-9719

Just today, I successfully reallocated all but $1K from my CO OnePass Plus, to my Sapphire Preferred (after hitting $25k spending on CO OnePass Plus to get 10,000 mile bonus). 

When I called to reallocate, the Chase analyst did a soft pull of Experian, and asked me "update" questions about my income, profession, credit report balances, and payment habits, then looked at my payment history with them.  He put me on hold for a few minutes, then came back and said, line successfully reallocated, it should reflect online in 15 minutes.

I know many sites have been reporting Chase reallocation is dead, but obviously it is still possible, although it involves a review now, instead of the old days where it was pretty much automatic if you called them and asked.

I wanted to share this info with my Dansdeals brothers, in case it helps anyone else that wants to reallocate with Chase.    :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 09, 2011, 02:55:59 PM
Thanks!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on September 11, 2011, 07:38:06 PM
I know many sites have been reporting Chase reallocation is dead, but obviously it is still possible, although it involves a review now, instead of the old days where it was pretty much automatic if you called them and askd.

Credit pull?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on September 11, 2011, 08:05:19 PM
Credit pull?

The op says its a soft pull
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on September 13, 2011, 11:57:27 PM
--------------------------------------------------------------------------------------------------------------------
American Express Consumer cards:
Charge cards:
-Gold Charge Card, (http://www.dansdeals.com/go/amexgold/) 10,000 points for spending $500. No fee first year.

-Platinum Charge Card, (http://www.dansdeals.com/go/amexplat) 25,000 points for spending $1,000. $200 annual airline credit. Plat+Priority Pass+Regus Lounge access. Global Entry membership. Starwood Gold status. No Forex fee.

-Premier Rewards Gold Charge Card, (http://www.dansdeals.com/go/premier25k/) 15,000 points for spending $1,000. 3x points for airfare, 2x points on gas and groceries. No fee first year.

Credit cards:
-Blue Cash, (http://www.dansdeals.com/go/amexblue/) No annual fee, 3% cash back on groceries, 2% on gas and department stores.

-Blue Sky, (http://www.dansdeals.com/go/bluesky/) No annual fee, 1.33% back towards travel spending.

-Costco, (http://www.dansdeals.com/go/costcoamex/) No annual fee with Costco membership, 3% cash back on gas and restaurants, 2% on travel.

-Delta Gold, (http://www.dansdeals.com/go/deltaamex/) 25,000 miles for spending $1 and adding 2 cardholders.  Free checked luggage on Delta. $99 annual coach companion ticket. No fee first year.

-Delta Platinum, (http://www.dansdeals.com/go/deltaplat/) 25,000 miles and 5,000 MQMs for spending $1 and adding 2 cardholders.  Free checked luggage on Delta. Free annual coach companion ticket.  Up to 20,000 MQMs annually based on spending.

-Delta Reserve, (http://www.dansdeals.com/go/deltareserve/) Delta SkyClub membership. 10,000 MQMs for spending $1. Free checked luggage on Delta. Free annual coach or first class companion ticket.  Up to 30,000 MQMs annually based on spending.

-Starwood, (http://www.dansdeals.com/go/starwood/) 10K Starpoints for spending $1. 15K bonus points for spending $15K within 6 months.  Starwood Gold status for spending $30K. 2 Stay/5 Night Elite credit. 3rd night free at Sheratons. No fee first year.

American Express Business cards:
Charge cards:
-Platinum Charge Card (http://www.dansdeals.com/go/amexplatbusiness/) $200 annual airline credit. Plat+Priority Pass+Regus Lounge access. Global Entry membership. Starwood Gold status. AMEX Open Savings. No Forex fee.

-Gold Charge Card (http://www.dansdeals.com/go/opengold/) 25K miles for spending $50K. AMEX Open Savings. No fee first year.

-Plum Charge Card, (http://www.dansdeals.com/go/amexplum/) 1.5% cash back by paying balance within 10 days of your statement or 2 months to pay balance. AMEX Open Savings. No fee first year.

Credit cards:
-Delta Gold (http://www.dansdeals.com/go/deltagold/) 25,000 miles for spending $1 and adding 2 cardholders.  Free checked luggage on Delta. $99 annual coach companion ticket. AMEX Open Savings. No fee first year.

-Simply Cash (http://www.dansdeals.com/go/simplycash/) No annual fee. 5% cash back on wireless and office supplies. 3% cash back on gas. AMEX Open Savings.

-Starwood (http://www.dansdeals.com/go/starwoodbusiness/) 10K Starpoints for spending $1. 15K bonus points for spending $15K.  Starwood Gold status for spending $30K. 2 Stay/5 Night Elite credit. 3rd night free at Sheratons. AMEX Open Savings. No fee first year.
Hilton HHonors 60,000 sign up bonus https://www304.americanexpress.com/personal-card-application/hilton-hhonors-surpass-credit-card/36182-57-0
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on September 14, 2011, 06:41:26 PM
Edit: new link http://www304.americanexpress.com/getthecard/learn-about/Hilton-HHonors-Surpass
 see: http://www.dansdeals.com/forums/index.php?topic=10105.0
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on September 14, 2011, 09:40:25 PM
Chase: 888-270-2127 (Application reconsideration)
Chase: 888-245-0625 (Credit Analyst reconsideration)

I get rejected twice when calling the first number, is there any advantage in calling the second number as someone suggested to me in the chase recon thread?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 14, 2011, 11:39:09 PM
I get rejected twice when calling the first number, is there any advantage in calling the second number as someone suggested to me in the chase recon thread?

I got shut down 3 times using the second #.

Called the first and got it pushed through on the first try.

Def call.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on September 15, 2011, 01:22:38 PM
Dan, would you attach to your FAQ a recommended list of credit cards based on spending patterns? For example...
Dining: Chase Sapphire Preferred, Amex Gold

If you already did this and I just can't find it, would you please copy or put a link to the thread in your faq?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mclovin on September 15, 2011, 04:42:47 PM
has anyone had success with chase using the 3bm or only 2 cards at a time? if not maybe the OP should be edited. unless there still is a point?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 15, 2011, 04:53:22 PM
has anyone had success with chase using the 3bm or only 2 cards at a time? if not maybe the OP should be edited. unless there still is a point?
Considering I've done 2 successful 3bms (BA/Hyatt/UA. Ink Bold/SWA/Sapphire Preferred.  All while retaining CO OPP, CO PP, and Chase Freedom) in the past few months I see no reason to edit anything but your post.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: justshmooze.com on September 15, 2011, 07:41:16 PM
Just got off phone with amex they said as of sept. 1st the reps can no longer match points. Sucks because now I'm having trouble getting a legitimate 50/25 k bonus that is on the application for my platinum / gold cards.

They say the only way to do it is to (snail) mail corporate, although after attempting to cancel all my amex cards they transferred me to a rep who said to Secure Message them and that will get through to corporate. Here goes nothing..
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Zeeeeks on September 20, 2011, 11:07:35 AM
American Express Business cards:
-Gold Charge Card (http://www.dansdeals.com/go/opengold/) 25K miles for spending $50K. AMEX Open Savings. No fee first year.

This card should be updated for the better offer in the OP, 50K miles for spending $10K in 5 months.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on September 22, 2011, 12:01:15 AM
I had done a successful 2 browser application for Citi AAdvantage MC (Personal) and Citi TYP. Both were approved instantly. However, I did get two credit pulls on Equifax - they were not combined, despite instant approval and both being personal cards.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 22, 2011, 01:02:06 AM
I had done a successful 2 browser application for Citi AAdvantage MC (Personal) and Citi TYP. Both were approved instantly. However, I did get two credit pulls on Equifax - they were not combined, despite instant approval and both being personal cards.

It definitely can happen. The trick is not guaranteed (unfortunately).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on September 22, 2011, 11:53:15 AM
It definitely can happen. The trick is not guaranteed (unfortunately).

Like most things in life :-)
I should really gear up for a good AOR one of these days...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lechaim2life on September 22, 2011, 12:24:33 PM
I recently (9/18) applied for 2 Chase Saphire Preffered using multiple browser method. Didn't hear anything so I called them. They said they had 2 different applications from 9/18. Should that happen or did I do the multiple browser application incorrectly?

PLease advise!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mercaz1 on September 22, 2011, 12:26:09 PM
did you do 2 seperate browsers (chrome, firefox)or just 2 tabs in internet explorer
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on September 22, 2011, 12:26:37 PM
I recently (9/18) applied for 2 Chase Saphire Preffered using multiple browser method. Didn't hear anything so I called them. They said they had 2 different applications from 9/18. Should that happen or did I do the multiple browser application incorrectly?

PLease advise!
the 3 browser methos is to apply for 2or 3 different cards not 2 of the same card
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on September 22, 2011, 12:54:43 PM
the 3 browser methos is to apply for 2or 3 different cards not 2 of the same card
And here I thought that 3BM was the way people were getting multiples of the same card. Makes me wonder how they do it.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on September 22, 2011, 01:17:46 PM
the 3 browser methos is to apply for 2or 3 different cards not 2 of the same card

True, although it is possible for two approvals of the same card to slip through.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on September 22, 2011, 01:18:35 PM
True, although it is possible for two approvals of the same card to slip through.
yes but thats the exception not the rule
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lechaim2life on September 22, 2011, 01:44:39 PM
did you do 2 seperate browsers (chrome, firefox)or just 2 tabs in internet explorer

2 seaprate browsers. Firefox and Safari.

Although now I am apparently realizing that I messed up this whole proccess! Apparently, I needed to apply for 3 DIFFERENT CARDS not 3 of the SAME!!!!
 
Can anyone confirm/advise?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on September 22, 2011, 02:02:22 PM
2 seaprate browsers. Firefox and Safari.

Although now I am apparently realizing that I messed up this whole proccess! Apparently, I needed to apply for 3 DIFFERENT CARDS not 3 of the SAME!!!!
 
Can anyone confirm/advise?
The three browser method is meant to get three different cards with only one credit pull. Getting to the same can occasionally happen by some fluke but probably won't happen without instant approval.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lechaim2life on September 22, 2011, 02:20:28 PM
Ok got it now! Thanks everyone!

Any chance I can now apply for Hyatt card and still get it even though I just applied for Chase card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on September 22, 2011, 09:44:35 PM
ingy has a 50k chase ink bold offer dan r u gonna get it
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on September 22, 2011, 10:24:06 PM
yup, right after I'm done with flying this 3rd leg of my nonstop mia-cle flight :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mercaz1 on September 23, 2011, 09:59:09 AM
my wife just got the targeted amex gold 50 k bonus in the mail.

is that the best offer out there now for that card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: steeeveknowsbest on September 23, 2011, 11:34:41 AM
i got an amex gold biz for 75k in late august
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mercaz1 on September 23, 2011, 11:58:55 AM
yeah but what about now? that was a month ago
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 23, 2011, 12:24:46 PM
i got an amex gold biz for 75k in late august
yeah but what about now? that was a month ago

AFAIK, bonus codes last longer than a month. I personally just got 100k for the AMEX Biz Gold (before the hammer dropped).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mercaz1 on September 23, 2011, 12:31:53 PM
this wasnt a business card but a personal one
so is it the best personal one out there now that amex stopped matching
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on September 23, 2011, 01:50:18 PM

so is it the best personal one out there now that amex stopped matching

Sure sounds like it. Whats the spend threshold to get the points?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on September 23, 2011, 05:29:52 PM
this wasnt a business card but a personal one
so is it the best personal one out there now that amex stopped matching
if amex is not matching then what are you asking, if there is any public offer for 50k. no. if you are comparing it to other targeted offers that you got then the answer is if you got a offer for more than 50k this one is nothing special if you didnt, this one is good. if you want to know if you should wait for a better targeted offer out there maybe you will get one, there are smart guys on ddf but no prophets
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on September 25, 2011, 08:56:52 PM
Hay Dan, why not edit the ink bold business to the new better bonus?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on September 26, 2011, 04:14:13 PM

-Continental, (http://www.dansdeals.com/go/onepassplus/) 30K miles for spending $1 and adding an additional cardholder. Free checked luggage on Continental and United. Free Priority boarding with card.  Non-expiring miles with card.  Last seat EasyPass award avaialbility with card. Free primary Car Rental CDW. 2 annual lounge passes.  $2 in-flight LiveTV and Premium Drink discount. 10K bonus miles for spending $25K annually. Comp upgrades for elite cardholders on award tickets. Double miles for Continental and United purchases. No fee first year.

how does this benefit work out of curiosity
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on September 26, 2011, 06:57:37 PM
Dan,  I noticed that you don't have all of the chase CC offers such as the 50K Marriott rewards -- seemingly a better offer than your 30K, or take The Ritz-Carlton® Rewards Credit Card, it also seems pretty decent, no?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on September 26, 2011, 09:20:40 PM
how does this benefit work out of curiosity

http://www.continental.com/web/en-US/content/products/cards/discounts/default.aspx
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: ItzikJones on October 01, 2011, 11:24:55 PM
I've been looking at threads about the 3BM and I'm still confused about how it's done, as well as how these cards work in general. I'm new to the whole CC/Miles game and just signed up and was approved for the Sapphire Preferred card and it's 50K points. Now, if I were to try the 3BM with Chase's United Mileage Plus Explorer(30K points), Continental One Pass Plus(30K points) and British Airways Visa Signature(50K points), would all those miles I earn be able to be combined for Chase's Ultimate Rewards program, or do each need to be used separately with different airlines? Additionally, as soon as I reach the thresholds to get the points I can get from the sign up bonuses, do I cancel the cards and then sign up for more again? I've seen people here write about how they've signed up for 100's of cards and would like to know how to get in on this shmorgishborg of miles!

Shana Tova to all of you,

Itzik Jones.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 02, 2011, 12:59:04 AM
I've been looking at threads about the 3BM and I'm still confused about how it's done, as well as how these cards work in general. I'm new to the whole CC/Miles game and just signed up and was approved for the Sapphire Preferred card and it's 50K points. Now, if I were to try the 3BM with Chase's United Mileage Plus Explorer(30K points), Continental One Pass Plus(30K points) and British Airways Visa Signature(50K points), would all those miles I earn be able to be combined for Chase's Ultimate Rewards program, or do each need to be used separately with different airlines? Additionally, as soon as I reach the thresholds to get the points I can get from the sign up bonuses, do I cancel the cards and then sign up for more again? I've seen people here write about how they've signed up for 100's of cards and would like to know how to get in on this shmorgishborg of miles!

Shana Tova to all of you,

Itzik Jones.
I'm a little wet behind the ears myself, but I'll give it a shot; I'm sure someone else will step in if I'm wrong.
Generally, miles from different airlines cannot be combined. United and Continental is an exception, because they are in the process of merging.
Ultimate Rewards Points can be converted into United/Continental Miles. I think they can also be converted in British Airways miles. Unfortunately. it doesn't work the other way around; as far as I know, you can't convert miles into UR points.
Don't cancel the cards until the miles post to your account. Even then, don't want to cancel outright.  When you open a new card of a different type but from the same bank, have them shift over the credit and close the account in the process.
If you want to churn - and not all cards are 'churnable' - you'll have to wait before reapplying. I read somewhere that it's 60 days for a consumer card, 90 for business.

Gmar Chasima Tova and welcome to the club! Woohoo!!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yellow on October 02, 2011, 01:33:05 AM
Just out of curiosity, what are the three best cards from amex chase, and citi? I know that this may vary from person to person but i'm just curious what people think. (by BEST i mean the most lucrative signup bonus's for miles/hotel points, not cashback or benefits the card comes with)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 02, 2011, 07:32:12 AM
Just out of curiosity, what are the three best cards from amex chase, and citi? I know that this may vary from person to person but i'm just curious what people think. (by BEST i mean the most lucrative signup bonus's for miles/hotel points, not cashback or benefits the card comes with)
Three from chase, three from amex, three from citi? Nine cards? Or just the three 'best'?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yellow on October 02, 2011, 11:24:11 AM
Three from chase, three from amex, three from citi? Nine cards? Or just the three 'best'?
the three best from each issuer
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yos on October 02, 2011, 03:56:55 PM
Anyone have a sample of a letter sent to citi president? Looking for ideas of what to write.
thanks for any help.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 02, 2011, 04:13:06 PM
Anyone have a sample of a letter sent to citi president? Looking for ideas of what to write.
thanks for any help.

Well, since we/I have no idea what you're wanting to write about, you could try this:

Quote
Dear Mr. President,

How are you?

Love,

Best Citi Customer Eva.

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yos on October 02, 2011, 04:21:25 PM
Well, since we/I have no idea what you're wanting to write about, you could try this:

I'm talking about sending a letter for reconsideration after being denied for a cc.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 02, 2011, 04:26:30 PM
I'm talking about sending a letter for reconsideration after being denied for a cc.
Do you already have a different CC with that bank?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yos on October 02, 2011, 04:29:08 PM
Do you already have a different CC with that bank?
it's my first time applying for a citi card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 02, 2011, 04:44:16 PM
I'm talking about sending a letter for reconsideration after being denied for a cc.

Have you tried calling first?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yos on October 02, 2011, 04:54:16 PM
Have you tried calling first?
i called and they said theres nothing they can do, the decision has been made. If you have any suggestions of something to say to them on the phone, I'd appreciate that.
Thanks for your help.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 02, 2011, 05:18:02 PM
Well, I can't write your letter for you (for a number of reasons), but I'd just explain to them why their rejection reason shouldn't carry the day, and for reasons A, B, and C, they should give you a chance, blah blah blah.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on October 02, 2011, 08:41:57 PM
I'm talking about sending a letter for reconsideration after being denied for a cc.

Some tips of what to mention in your letter, if they are true and apply to you:

I / we are not heavy users of credit, we simply want the card/s for it's great benefts.
I / we pay our balance off in full each month.
I / we have a great credit score, and enjoy liberal credit lines with a number of banks.
I / we are financial stable, have been working in xyz company or field for -- number of years.

 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 03, 2011, 10:42:44 AM
Do we get better value for gas purchases using a Costo Amex card or using an Amex Premier Rewards Gold card?
Is there a better option than either of these two - for gas purchases?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on October 03, 2011, 11:13:10 AM
Do we get better value for gas purchases using a Costo Amex card or using an Amex Premier Rewards Gold card?
Is there a better option than either of these two - for gas purchases?

Penfed Platinum Cash Rewards
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on October 03, 2011, 11:59:35 AM
For somebody whose credit card spending is almost entirely gas and groceries, wouldnt the PRG from AMEX be the best choice for daily spending?  I have Starwood, Sapphire, UA, CO, and Gold right now.  I am spending on Starwood to meet 4.5k threshhold but after that I think I'm going to put everything on PRG.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 03, 2011, 12:02:04 PM
The AMEX PRG (http://www.dansdeals.com/go/premier25k/) is tailor made for that kind of spending.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on October 03, 2011, 12:05:40 PM
The AMEX PRG (http://www.dansdeals.com/go/premier25k/) is tailor made for that kind of spending.

Or Blue Cash preferred. (http://www.dansdeals.com/go/amexblue/)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 03, 2011, 12:29:57 PM
Or Blue Cash preferred. (http://www.dansdeals.com/go/amexblue/)

+1

Though there is a $75 AF, you get 6% back on groceries (i.e. AF is paid for after $1250 of groceries).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 03, 2011, 12:34:19 PM
Or Blue Cash preferred. (http://www.dansdeals.com/go/amexblue/)

Blue Cash Preferred is 3% for gas.
Penfed is 6% for gas.
AMEX PRG is 2 points for gas.

How do I measure the value of 2 AMEX PRG points?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 03, 2011, 12:50:49 PM
Blue Cash Preferred is 3% for gas.
Penfed is 6% for gas.
AMEX PRG is 2 points for gas.

How do I measure the value of 2 AMEX PRG points?

Theoretically, each MR point (AMEX point) can go for as much as .02, so that'd be up to .04 which is > BCP but < Penfed 5% (it's not 6% IIRC)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 03, 2011, 01:04:45 PM
+1

Though there is a $75 AF, you get 6% back on groceries (i.e. AF is paid for after $1250 of groceries).
That's not factoring for the ~2.2% that SPG is worth.
You would need to spend at least $2,000/year on groceries to make up the annual fee on the card when accounting for the fact that you could've been earning ~2.2% on the SPG.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 03, 2011, 01:19:53 PM
Ultimate Rewards Points can be converted into United/Continental Miles.

It's official, United transfer now (in the process of going) live.

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 03, 2011, 01:30:34 PM
That's not factoring for the ~2.2% that SPG is worth.
You would need to spend at least $2,000/year on groceries to make up the annual fee on the card when accounting for the fact that you could've been earning ~2.2% on the SPG.

True. But, even so, assuming even a measly grocery budget of $300/month, your awards for using the BCP would be almost double the SPG card (~$150ish vs $80ish).

Additionally, if you buy GC's at the grocery store, you effectively get 6% back on other things as well which could take that $300/month to $500 or even $1000 depending on the individual. Being creative with this card has distinct advantages.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 03, 2011, 01:53:20 PM
True. But, even so, assuming even a measly grocery budget of $300/month, your awards for using the BCP would be almost double the SPG card (~$150ish vs $80ish).
True, but a good chunk of my grocery spending is at Costco/Sams/BJs which don't qualify for the 6%.

Additionally, if you buy GC's at the grocery store, you effectively get 6% back on other things as well which could take that $300/month to $500 or even $1000 depending on the individual. Being creative with this card has distinct advantages.
Now that's more intriguing.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 03, 2011, 02:06:33 PM
dan,
Is $200 the best link you have for the chase freedom because I've seen $250
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 03, 2011, 02:07:20 PM
dan,
Is $200 the best link you have for the chase freedom because I've seen $250
I should have a 250 link soon, but feel free to use another 250 link if you need the card now.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 03, 2011, 02:19:24 PM
Now that's more intriguing.
@Dan: That's quite an understatement.

@AJK: Can you verify that gift cards bought at supermarkets get you the 6% cash back?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 03, 2011, 02:24:01 PM
@AJK: Can you verify that gift cards bought at supermarkets get you the 6% cash back?
Can't see why not. It rings up the same as anything else in your shopping cart.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 03, 2011, 02:26:47 PM
Can't see why not. It rings up the same as anything else in your shopping cart.

+1 It\s based on the merchant category, which wouldn't change depending on what's in your cart.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 03, 2011, 02:31:29 PM
Even better in CLE/PIT/CMH areas where Giant Eagle will give you some $12 of free gas for every $100 in GCs you buy.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 03, 2011, 02:53:45 PM
@AJK: Can you verify that gift cards bought at supermarkets get you the 6% cash back?

Though I personally do not have the card (I have the legacy BC which I think I'll keep as it has 5% back on both gas and groceries after 6500 spend), I can confirm (through third parties) it definitely works.

Can't see why not. It rings up the same as anything else in your shopping cart.

This is true. However, the issuer may become suspicious if they see your monthly grocery bill go from $300 to $3000. I've read at least one forum thread (on FW or FT or whereever) that it raised a red flag.

Even better in CLE/PIT/CMH areas where Giant Eagle will give you some $12 of free gas for every $100 in GCs you buy.
Darn. We need a GE here in the NE.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 03, 2011, 02:54:30 PM
Note: this idea would NOT apply for AMEX/VISA GC's as they charge fees which would likely erode all or most of your CB.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 03, 2011, 03:35:06 PM
Dan: Please note - the $1500 Citi AA business card link is dead (and has been for at least a week). Pretty sure it will remain that way. You may want to update to the $4,000 one.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: ItzikJones on October 03, 2011, 03:57:50 PM
I was looking at the Blue Cash card preferred fine print and it said "Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of American Express Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents."

That seems to indicate that gift cards wouldn't work. Y'all are sure that that'll work? Also, for those of you who have bought the gift cards, are you using them to pay off the credit card bill, or are you actually using them at other stores? Is there a limit to how much you can spend monthly at grocery stores?

The fine print also says " 6% for eligible purchases at supermarkets (excluding superstores and warehouse clubs)." Does a store like Target qualify as a superstore? If so, what smaller places are you picking up these cards at?

Additionally, what gift cards aside from the Amex/Visa cards are worthwhile/fee-less and can be used all over? I'm not too familiar with GC's.

I realize I have a lot of questions, I'm a noob and trying to soak this all up.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 03, 2011, 04:10:28 PM
I was looking at the Blue Cash card preferred fine print and it said "Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of American Express Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents."

That seems to indicate that gift cards wouldn't work. Y'all are sure that that'll work?

It works.

Quote
Also, for those of you who have bought the gift cards, are you using them to pay off the credit card bill, or are you actually using them at other stores?

I am talking about walking into a ShopRite and buying, for example, a Target GC; therefore, you'd have to use them at the "other stores."

Quote
The fine print also says " 6% for eligible purchases at supermarkets (excluding superstores and warehouse clubs)." Does a store like Target qualify as a superstore?

Yes, ordinarily.

Quote
If so, what smaller places are you picking up these cards at?

See above.

Quote
Additionally, what gift cards aside from the Amex/Visa cards are worthwhile/fee-less and can be used all over? I'm not too familiar with GC's.

None, AFAIK.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 03, 2011, 04:39:13 PM
in my experience with the PRG card shoprite got double points but target didn't.it would probably be the same for the BCP
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on October 03, 2011, 04:52:59 PM
I should have a 250 link soon, but feel free to use another 250 link if you need the card now.

While your at, perhaps get a $300 link, if it's possible. And, if I'm not missing something, you might as well delete the 100, 150 links; unless it's there for someone doing a triple app -- which I doubt will work since after all it's the same card.

 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 03, 2011, 04:54:00 PM
While your at, perhaps get a $300 link, if it's possible. And, if I'm not missing something, you might as well delete the 100, 150 links; unless it's there for someone doing a triple app -- which I doubt will work since after all it's the same card.
do you know of a $300 link? The $250 was posted here on the forums it was a public link but not dans
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on October 03, 2011, 04:59:25 PM
do you know of a $300 link? The $250 was posted here on the forums it was a public link but not dans

No, but I know chase offers it.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 03, 2011, 05:10:28 PM
No, but I know chase offers it.

Are you sure it's for the Freedom Card?

I recently signed up for an Ink (non-bold) with 30,000 signup bonus (20k after first purchase and 10k after $5k spend), and miraculously got it matched to the 50k Ink Bold currently advertised on Chase.com. It took a few calls and some escalation. I didn't even have to spend $5k...

:D
Title: Re: DansDeals Credit Card Links And FAQ'
Post by: Nitantnel on October 03, 2011, 05:13:17 PM
Yep.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on October 03, 2011, 09:23:53 PM
I find it interesting that in the "view all cards" section on Chase's web site https://creditcards.chase.com/credit-card-search.aspx (ftp://creditcards.chase.com/credit-card-search.aspx) not all bounces appear. The reason is simple: Once they have you on their site there's no need for expensive bait. I am wondering therfore what really are the best possible bounces? I know Dan has great one's, I am just wondering if perhaps there are even better ones that he can possibly get.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 03, 2011, 10:23:46 PM
I find it interesting that in the nullview all cardsnull section on Chase's web site https://creditcards.chase.com/credit-card-search.aspx (ftp://creditcards.chase.com/credit-card-search.aspx) not all bounces appear. The reason is simple: Once they have you on their site there's no need for expensive bait. I am wondering therfore what really are the best possible bounces? I know Dan has great one's, I am just wondering if perhaps there are even better ones that he can possibly get.

The best "bounces" are typically targetted offers these are only offered to a limited subset of customers via mail or email, that's why they're not online.

With some Chase cards it's become virtually impossible to get matched (though miracles do happen, gotta find the right department/employee).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on October 03, 2011, 10:32:49 PM
If you plan on buying gc's in bulk what do you think of the Citizens Bank CashBack Platinum MasterCard (http://www.citizensbank.com/cards-and-rewards/credit-cards/cashback-platinum-mastercard.aspx)? Seems to be 10% back on gas and groceries for first 3 months
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on October 04, 2011, 11:04:33 AM
Just tried a 3BM with Chase, after typing in all the info, taking screen shots to remember what I wrote and making sure that their all in sync, I got a temporary error message. How annoying!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 04, 2011, 11:40:12 AM
Just tried a 3BM with Chase, after typing in all the info, taking screen shots to remember what I wrote and making sure that their all in sync, I got a temporary error message. How annoying!

I'd submit 'em again, I don't think a few minutes will make such a big difference.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on October 04, 2011, 01:21:05 PM
I'd submit 'em again, I don't think a few minutes will make such a big difference.

The first "submit" didn't work so I just gave up to be safe.

Is there any excuse to tell recon why I want a Sapphire and sapphire preferred, otherwise i'll just get the sapphire preferred and the freedom.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 04, 2011, 01:22:00 PM
Is there any excuse to tell recon why I want a Sapphire and sapphire preferred
They won't give you both.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: ye on October 04, 2011, 10:37:46 PM
They won't give you both.
I have both
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 04, 2011, 10:39:57 PM
I have both
Heh, YMMV as always then ;)
Typically they won't though.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 05, 2011, 12:39:30 PM
In dollars and cents, what's the value of a Chase UR point? .02?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 05, 2011, 12:43:14 PM
In dollars and cents, what's the value of a Chase UR point? .02?

If you cash them out for cashback it's more like $0.01. For travel purchased via chase, a bit more than that (some cards offer bonuses).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on October 05, 2011, 12:44:58 PM
definitely as good as continental, I won't say .2 though. Perhaps, though, when all the MR points that were transferred before 9/30 get used up the value will go up a drop.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: good sam on October 05, 2011, 01:00:52 PM
If you cash them out for cashback it's more like $0.01. For travel purchased via chase, a bit more than that (some cards offer bonuses).
When redeemed on travel through Sapphire, a point is worth $0.0125.  Any better deals than that (for travel or otherwise)?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 05, 2011, 01:03:31 PM
When redeemed on travel through Sapphire, a point is worth $0.0125.  Any better deals than that (for travel or otherwise)?

Sapphire Preferred transfer to miles/hotel points, best value there is.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 06, 2011, 05:19:06 PM
Updated with new Marriott links
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on October 09, 2011, 09:07:08 PM
dan u got a priority club link?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on October 10, 2011, 05:26:19 AM
I should have a 250 link soon, but feel free to use another 250 link if you need the card now.

I don't know if it's been posted yet but i just stumbled upon this link for the $250.

https://applynowdc2.chase.com/FlexAppWeb/renderApp.do?SPID=DJK7&CELL=6H8X&AFFID=NKa3hZyYoHA-GqGKvf_OiMiUgG376y9EHA&pvid=#
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: YYZ Fan on October 11, 2011, 10:05:48 AM
Citi AA Visa & Amex links appear to be dead!

getting an error message

Any new links or is the offer over?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 11, 2011, 10:11:16 AM
Citi AA Visa & Amex links appear to be dead!

getting an error message

See here (http://www.dansdeals.com/forums/index.php?topic=3104.0).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on October 11, 2011, 01:15:27 PM
If Member one member of a household is dined due to bad credit, can member two apply immediately, or is it better to wait? (how long?) 

(My fear, which I don't have any source for, is the fact that they both live with the same income)

PS. This question really applies even if member one does get approved.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Coach on October 12, 2011, 03:45:51 AM
Anybody get instant online approval for the new Citi Exec world MC?  I'm approaching the 60 day mark to apply for new Citi cards in one week.  Thinking about 50k Citi Amex which I haven't had b4 and the exec world mc to keep earning miles in 2012 in a 2 BM but don't want to get instant approval for the Amex and then get a prompt to call in for the exec and they see I applied for other credit and get denied. Thoughts?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on October 12, 2011, 12:54:39 PM
FYI don't give up on getting 50K on the Chase UA card. I was turned down 6 times already when last night I figured wth and sent an sm saying that when I signed up it said it was an offer for 50K, what went wrong making me only get 30K? Just got a response a few minutes ago saying they apologize and have credited me the other 20K!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 12, 2011, 12:57:46 PM
FYI don't give up on getting 50K on the Chase UA card. I was turned down 6 times already when last night I figured wth and sent an sm saying that when I signed up it said it was an offer for 50K, what went wrong making me only get 30K? Just got a response a few minutes ago saying they apologize and have credited me the other 20K!

The right (clueless) agent will get things done. I'm glad to hear persistence paid off for you.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on October 15, 2011, 11:12:33 PM
FYI don't give up on getting 50K on the Chase UA card. I was turned down 6 times already when last night I figured wth and sent an sm saying that when I signed up it said it was an offer for 50K, what went wrong making me only get 30K? Just got a response a few minutes ago saying they apologize and have credited me the other 20K!
same here
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Galitzyaner on October 16, 2011, 09:17:06 PM
Hey Dan, gut moed, I'm having some serious issues here.  In August when you had that deal for the starwood card to get 30/35k spg points after spending $4,500 within 3 months, I signed up for it -using YOUR link of course.

Well Dan, now when I had the time  to take care of this card, I called (more than once) just to confirm my deal so that I don't wind up spending that whole load of money for naught, good I did, because now they're telling me that I never had such a deal, and that my deal is to get 15 k spg points after spending 15k dollars (as well as a 10k spg opening bonus)!

You gotta be kidding me here!  WTH is goin on here?!
Like I have the patients to fight with them now? What's up with this? Was I screwed?
No matter how much I tried explaining to them (amx), just fell on deaf ears, they say the source code they have is what I get...

I need help.

Btw, I signed up on August 15.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 16, 2011, 09:21:47 PM
Hey Dan, gut moed, I'm having some serious issues here.  In August when you had that deal for the starwood card to get 30/35k spg points after spending $4,500 within 3 months, I signed up for it -using YOUR link of course.

Well Dan, now when I had the time  to take care of this card, I called (more than once) just to confirm my deal so that I don't wind up spending that whole load of money for naught, good I did, because now they're telling me that I never had such a deal, and that my deal is to get 15 k spg points after spending 15k dollars (as well as a 10k spg opening bonus)!

You gotta be kidding me here!  WTH is goin on here?!
Like I have the patients to fight with them now? What's up with this? Was I screwed?
No matter how much I tried explaining to them (amx), just fell on deaf ears, they say the source code they have is what I get...

I need help.

Btw, I signed up on August 15.

It's been a major fiasco on AMEX's part...here's my advice:
Send an SM via americanexpress.com/messagecenter, select your card, and select social media>twitter as the subject.  Address it to Dear Courtney and tell her the problems you (and others) have been having with the spg 30k offer you signed up for during the recent public (NON-TARGETED) promotion for the card.

And keep us posted!

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Galitzyaner on October 16, 2011, 09:39:47 PM
It's been a major fiasco on AMEX's part...here's my advice:

Thanks, we'll see how that goes.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: hocker on October 17, 2011, 02:54:12 PM
Dan, can you add a link to the Citi Forward STUDENT Card?
It should be a different link than the regular card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Galitzyaner on October 17, 2011, 02:55:00 PM
Although i started of my message as "Dear Courtney", i received a response from someone else:

"Thank you for reaching out to us, ******** *****,

I have reviewed your account and also do not see that the promotion you applied for was spend $4500 and receive 20,000 bonus points (you have already received 10,000 bonus points for your first purchase). I will however, honor the promotion as a one time exception, but you must follow the terms of the promotion. As long as you spend the $4500 within the first three months of cardmembership (you got the card on 08/15/11) I will honor the promotion. Once you meet the spend, please contact me and I will issue the bonus points for you.

I look forward to assisting you.
Sincerely,

****** *******
Social Media Response Team"


This "one time exception" irks me, but i guess as long as i get my points i'll be fine...

Thanks for the help, i hope your future offers won't have these same annoying repercussions ::)  !
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on October 24, 2011, 11:26:41 AM
Looks to be a public 30,000 UR ($300) offer for the freedom card

https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DN52
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 24, 2011, 11:32:58 AM
Looks to be a public 30,000 UR ($300) offer for the freedom card

https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DN52
wow nice Thanks for this
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on October 24, 2011, 11:51:42 AM
Looks to be a public 30,000 UR ($300) offer for the freedom card

https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DN52

Thanks.
I just sent a sm to ask them to match this for my account, I hope it works.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 24, 2011, 11:57:03 AM
Thanks.
I just sent a sm to ask them to match this for my account, I hope it works.

When did you apply for the card? My guess is an SM will only work for recent applicants.

For anyone sending an SM, make sure to clarify that it's a public offer and mention the promo code (DN52).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on October 24, 2011, 12:02:01 PM
When did you apply for the card? My guess is an SM will only work for recent applicants.

For anyone sending an SM, make sure to clarify that it's a public offer and mention the promo code (DN52).
I applied within the last month, so I'm assuming that I'll get it. I just pasted the link so they can see where i got it from.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 24, 2011, 12:04:13 PM
I applied within the last month, so I'm assuming that I'll get it. I just pasted the link so they can see where i got it from.

If it's within a month, I'd keep trying until they match it. I would still specify it's a public offer, or they might just send you a response asking for the 12-digit invitation code (that's what happened to me).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on October 24, 2011, 12:06:35 PM
If it's within a month, I'd keep trying until they match it. I would still specify it's a public offer, or they might just send you a response asking for the 12-digit invitation code (that's what happened to me).
I'm going to wait for a response first. I'll update when i get one.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 24, 2011, 12:10:01 PM
I'm going to wait for a response first. I'll update when i get one.

I meant for anyone sending an SM, not specific to your situation. G'luck.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 24, 2011, 12:20:43 PM
Looks to be a public 30,000 UR ($300) offer for the freedom card

https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DN52
thanks I just used this along with others 3BM style
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on October 24, 2011, 12:23:24 PM
thanks I just used this along with others 3BM style
which others
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 24, 2011, 12:27:38 PM
thanks I just used this along with others 3BM style

G'luck with getting approved :D
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 24, 2011, 12:44:23 PM
which others

+1

thanks I just used this along with others 3BM style
G'luck with getting approved :D

Let us know how it turns out!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: asks on October 24, 2011, 01:08:23 PM
Thanks Bubbles, Just got the extra match on the Freedom via SM!
Actually they gave me 10k more even though I sent a SM a few weeks ago asking for the extra 5k since I signed up for $200, not $250!

I am writing in response to your e-mail inquiring about
the reward program currently promoted for Chase Freedom
customers.

In addition to the 20,000 reward points, I have added
10,000 reward points to your account and it should reflect
on your next bill.

I am glad I was able to help you today. If you have any
further questions, please reply using the Secure Message
Center and we will be more than happy to assist you.

Thank you,

E-mail Customer Service Advisor

Account is owned by Chase Bank USA, N.A. and may be
serviced by its affiliates.

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 24, 2011, 01:19:02 PM
Actually they gave me 10k more even though I sent a SM a few weeks ago asking for the extra 5k since I signed up for $200, not $250!

Nicely done :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on October 24, 2011, 01:31:18 PM
Just got my match too. I applied for the 20,000, and just got an additional 10,000 added.
Thanks bubbles.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 24, 2011, 04:35:41 PM
I applied for the freedom, saphire preffered and BP visa. I figured my chances for 3 real cards were very slim so I threw in the BP card. I had the E's frozen so they hit up TU. No instant approvals though :(
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on October 24, 2011, 04:41:19 PM
I applied for the freedom, saphire preffered and BP visa. I figured my chances for 3 real cards were very slim so I threw in the BP card. I had the E's frozen so they hit up TU. No instant approvals though :(
u shouldnt necessarily have thrown in third if u dont really want it because when u freeze often u get multiple pulls with 2/3BM
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 24, 2011, 04:43:06 PM
If i get all three then it'll be worth 2 TU pulls. I live in NJ no one else pulls TU.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on October 24, 2011, 04:45:21 PM
If i get all three then it'll be worth 2 TU pulls. I live in NJ no one else pulls TU.
could be 3 pulls
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 24, 2011, 04:46:49 PM
I doubt it, that usually happens when the apps get thrown out by the sysytem right away, these are all pending already.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on October 24, 2011, 04:49:18 PM
I doubt it, that usually happens when the apps get thrown out by the sysytem right away, these are all pending already.
mine went to pending when i did a 2 bm they each got pulled on different days so i got 2 pulls. just saying
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on October 24, 2011, 04:50:35 PM
u can check tu pulls on https://www.creditkarma.com for free
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 24, 2011, 04:51:12 PM
Oh well will just wait and see
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 24, 2011, 05:03:17 PM
No instant approvals though :(

Pretty sure when you freeze both E's from NJ you can't get an instant approval...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 24, 2011, 05:05:00 PM
Pretty sure when you freeze both E's from NJ you can't get an instant approval...

+1 AFAIK they manually pull your apps.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 25, 2011, 10:11:02 AM
+1 AFAIK they manually pull your apps.
just checked the status one App was approved without any recon necessary. Not sure which one, but it'll probably pop up in my online profile soon so I'll update then.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 25, 2011, 07:13:14 PM
Anyone know if if the fee for Global Entry is credited back on a Plat AU?
Title: Re: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on October 25, 2011, 07:27:05 PM
Anyone know if if the fee for Global Entry is credited back on a Plat AU?

Yup.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dealvr on October 25, 2011, 07:32:45 PM
+1
The credit is posted on the primary account though.

When I click AsherO's link I am prompted with this message "The topic or board you are looking for appears to be either missing or off limits to you."
 :(
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 25, 2011, 07:37:17 PM
+1
The credit is posted on the primary account though.

When I click AsherO's link I am prompted with this message "The topic or board you are looking for appears to be either missing or off limits to you."
 :(

Weird. I copied the link from elsewhere, seems it was deleted or moved.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on October 25, 2011, 07:38:19 PM

The credit is posted on the primary account though.


U should be able to get credit for all AU's as well.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dealvr on October 25, 2011, 07:40:36 PM
I'm aware.
However, the credit shows up on the primary statement and not the AU.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 25, 2011, 07:41:38 PM
I'm aware.
However, the credit shows up on the primary statement and not the AU.

AUs don't have a statement in the first place, or do they?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dealvr on October 25, 2011, 07:43:04 PM
Who gets paper statements these days?!
When you look online the credit will not show up on the AU's account. It will be on the primary.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 25, 2011, 07:44:29 PM
Who gets paper statements these days?!
When you look online it will not show up in the account activity.

Fair enough. I guess I've never logged in as an AU on someone else's account...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on October 25, 2011, 07:53:35 PM

When you look online the credit will not show up on the AU's account. It will be on the primary.

But practically speaking, how does this make any difference? once the credit is issued, just swipe the AU card and use it.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 25, 2011, 08:03:18 PM
Yup.
+1
The credit is posted on the primary account though.

When I click AsherO's link I am prompted with this message "The topic or board you are looking for appears to be either missing or off limits to you."
 :(

Thanks.

But practically speaking, how does this make any difference?

It doesn't =)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 25, 2011, 09:25:33 PM
Anyone who has done GE before, can you comment on the picture below?

Aside from GE, are the other options covered in my $100 app fee? Is there any reason NOT to do them?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 25, 2011, 09:32:36 PM
Anyone who has done GE before, can you comment on the picture below?

Aside from GE, are the other options covered in my $100 app fee? Is there any reason NOT to do them?

You should consider the locations of the various enrollment centers. Personally I think it's a stupid bureaucracy and you should just be able to enroll for all three at once.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 25, 2011, 09:38:44 PM
You should consider the locations of the various enrollment centers. Personally I think it's a stupid bureaucracy and you should just be able to enroll for all three at once.

Agreed. I guess what I am really asking is:

1) Are all three included in the same $100 fee?
2) Do I have to do the in-person interview/check within a specified time frame after submission of application, or can I wait to do it until I am in CA or MX?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 26, 2011, 01:13:19 PM
+1 AFAIK they manually pull your apps.
I'm not so sure. In my conversation with chase the csr told me that the system tried pulling all 3 reports but they all came back Frozen. Only after I told her that TU was fine did she manually pull it.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 26, 2011, 01:16:08 PM
I'm not so sure. In my conversation with chase the csr told me that the system tried pulling all 3 reports but they all came back Frozen. Only after I told her that TU was fine did she manually pull it.

What are you suggesting? They pull all three reports when you apply online? Pretty sure that isn't accurate.

If you're suggesting that Chase pulled one (EX?) and found it frozen, then pulled another (EQ?) and found it frozen, then pulled the last (TU), why would they find it frozen?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 26, 2011, 01:21:10 PM
What are you suggesting? They pull all three reports when you apply online? Pretty sure that isn't accurate.

If you're suggesting that Chase pulled one (EX?) and found it frozen, then pulled another (EQ?) and found it frozen, then pulled the last (TU), why would they find it frozen?
I'm suggesting that the system automatically tries all 3 one by one until it finds one available.
As for why they found it frozen I have no clue the rep just said that the App  indicated that all bureaus were tried and were frozen. I told her about TU and she tried it again. Interestingly though is that yesterday already the status line had one of my apps as approved without any intervention required??
It's starting to look like this 3bm will cost be a few pulls.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on October 26, 2011, 01:22:15 PM
u shouldnt necessarily have thrown in third if u dont really want it because when u freeze often u get multiple pulls with 2/3BM
I'm suggesting that the system automatically tries all 3 one by one until it finds one available.
As for why they found it frozen I have no clue the rep just said that the App  indicated that all bureaus were tried and were frozen. I told her about TU and she tried it again. Interestingly though is that yesterday already the status line had one of my apps as approved without any intervention required??
It's starting to look like this 3bm will cost be a few pulls.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 26, 2011, 01:24:07 PM
I'm suggesting that the system automatically tries all 3 one by one until it finds one available.
As for why they found it frozen I have no clue the rep just said that the App  indicated that all bureaus were tried and were frozen. I told her about TU and she tried it again. Interestingly though is that yesterday already the status line had one of my apps as approved without any intervention required??
It's starting to look like this 3bm will cost be a few pulls.

That is interesting. Seems to imply that one in NY can get an app approved automagically even though the E's are frozen. Didn't think Chase would pull TU without being prompted. (I guess the automatic system could be wrong...)

Still not sure why the system returned frozen on TU...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 26, 2011, 01:37:25 PM
That is interesting. Seems to imply that one in NY can get an app approved automagically even though the E's are frozen. Didn't think Chase would pull TU without being prompted. (I guess the automatic system could be wrong...)

Still not sure why the system returned frozen on TU...
Maybe it had something to do with the 3BM or maybe it really just gave up after the E's.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 26, 2011, 01:39:52 PM
What I'm really curious to know is which app was approved yesterday?? was it one of the other two or was it really the SP?(meaning it was initially approved but because they saw 2 frozen bureaus they decided to call and verify?)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 26, 2011, 01:44:06 PM
Update:
I moved 5k from my UMP card to get the SP approved
For the record that means that my UMP-VS card now has less then a 5k CL.
Also requested expediting so I should have the card in 2 days
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 26, 2011, 02:27:33 PM
I'm not so sure. In my conversation with chase the csr told me that the system tried pulling all 3 reports but they all came back Frozen. Only after I told her that TU was fine did she manually pull it.

Methinks when they pull the default one for you (by your state?) and it's frozen they sometimes (?) attempt the other two. IME as well they pulled both Es and I manually requested TU.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 26, 2011, 02:32:11 PM
Then why would the system indicate his TU was frozen too?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 26, 2011, 02:41:59 PM
Then why would the system indicate his TU was frozen too?

It tried two and assumed? It's hard to know this stuff for sure.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: MnM1130 on October 26, 2011, 02:48:53 PM
(i didnt read much) but what happens to my chase sapphire points when i cancel my sapphire card? thnks :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on October 26, 2011, 02:49:21 PM
(i didnt read much) but what happens to my chase sapphire points when i cancel my sapphire card? thnks :)
u lose them
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 26, 2011, 02:50:26 PM
It tried two and assumed? It's hard to know this stuff for sure.

That'd be peculiar.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on October 26, 2011, 02:51:28 PM
(i didnt read much) but what happens to my chase sapphire points when i cancel my sapphire card? thnks :)
u lose them

But you also have the ability to transfer them to anyone else' Sapphire account before you close and thereby retain the points.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: MnM1130 on October 26, 2011, 03:02:20 PM
But you also have the ability to transfer them to anyone else' Sapphire account before you close and thereby retain the points.
thank u that was helpful info!
Title: Re: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on October 26, 2011, 03:33:40 PM
Update:
I moved 5k from my UMP card to get the SP approved
For the record that means that my UMP-VS card now has less then a 5k CL.
Also requested expediting so I should have the card in 2 days

They wouldn't let me drop the cl on my ua card below 5k :(

Guess I'll have to try again next time and be more persistent.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on October 26, 2011, 04:03:43 PM
thank u that was helpful info!
YW! Happy to help.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 26, 2011, 04:20:50 PM
Update:
I moved 5k from my UMP card to get the SP approved
For the record that means that my UMP-VS card now has less then a 5k CL.
Also requested expediting so I should have the card in 2 days
UPdate;
Automated status line now indicates 2 approvals I'm pretty sure it's the SP and BP.
Looks like I will have to call recon after all
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: rebdude on October 26, 2011, 05:10:12 PM
i applied for the starwoods card and got the promotion for 45000 points for spending 4500.00 i spent the money but the bonus never came. do i need to call for it?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: MnM1130 on October 26, 2011, 05:11:42 PM
i applied for the starwoods card and got the promotion for 45000 points for spending 4500.00 i spent the money but the bonus never came. do i need to call for it?
it can take 6-8 weeks... but it cant hurt to call!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: MnM1130 on October 26, 2011, 05:12:22 PM
But you also have the ability to transfer them to anyone else' Sapphire account before you close and thereby retain the points.
how do u transfer them to sapphire btw?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dealvr on October 26, 2011, 05:15:39 PM
I just did a 3BM application for the Chase sapphire preferred, CO onepass plus, and United mileage plus explorer. I froze my ExP and TU because my EQ was the strongest.
I will post the results as soon as I hear back.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on October 26, 2011, 05:15:54 PM
how do u transfer them to sapphire btw?

Go to the Ultimate Rewards site. On the left side it will say "Manage Ultimate Rewards". Click on that and you should see the option to combine points.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: rebdude on October 26, 2011, 05:17:30 PM
Thanks!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on October 26, 2011, 05:21:16 PM
i applied for the starwoods card and got the promotion for 45000 points for spending 4500.00 i spent the money but the bonus never came. do i need to call for it?

I'm assuming you mean the 30k offer and others have been having issues with that. See here (http://www.dansdeals.com/forums/index.php?topic=8830.msg120629#msg120629) for more info
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: MnM1130 on October 26, 2011, 05:30:32 PM
Go to the Ultimate Rewards site. On the left side it will say "Manage Ultimate Rewards". Click on that and you should see the option to combine points.
todah!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 26, 2011, 07:30:23 PM
I tried  pushing through the third card but was cited the 2 cards in 30 days limit. Anybody have recent experience with this issue?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 26, 2011, 07:31:28 PM
I tried  pushing through the third card but was cited the 2 cards in 30 days limit. Anybody have recent experience with this issue?

(If all else fails) Call as soon as the 30 days are up :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 26, 2011, 07:39:26 PM
I tried  pushing through the third card but was cited the 2 cards in 30 days limit. Anybody have recent experience with this issue?
Yes. It's a general rule at Chase, but not ironclad. You can push it through anyhow if you're determined. Call them back and tell them you think you can work something out with them.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 26, 2011, 07:40:43 PM
(If all else fails) Call as soon as the 30 days are up :P
haha
that would mean applying again
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 26, 2011, 07:42:20 PM
haha
that would mean applying again

Not necessarily. IIRC I've gotten reconsidered (and approved) after 30 days (but called multiple times during the 30 days), and I'm probably not the only one here. YMMV.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 26, 2011, 07:43:33 PM
Not necessarily. IIRC I've gotten reconsidered (and approved) after 30 days (but called multiple times during the 30 days), and I'm probably not the only one here. YMMV.
Interesting. The rejection letters issued by chase state that they will only hold your app for 30 days.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 26, 2011, 07:46:14 PM
Yes. It's a general rule at Chase, but not ironclad. You can push it through anyhow if you're determined. Call them back and tell them you think you can work something out with them.
I asked to cancel one of the apps instead of this one but he said it was to late because it was already approved
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 26, 2011, 07:46:28 PM
Interesting. The rejection letters issued by chase state that they will only hold your app for 30 days.

30 days from the letter might work if you got your other cards approved before the letter came ;)

(perhaps that's an incentive to call with the appID before getting your 'rejection' letters...)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 26, 2011, 07:55:26 PM
Not necessarily. IIRC I've gotten reconsidered (and approved) after 30 days (but called multiple times during the 30 days), and I'm probably not the only one here. YMMV.

+1

Did it with SWA card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 26, 2011, 07:56:36 PM
I asked to cancel one of the apps instead of this one but he said it was to late because it was already approved
Great! So... the app is still out there, uncanceled. Call them up again.
You're already paying with an inquiry, you must as well fight for the card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 26, 2011, 08:00:25 PM
Great! So... the app is still out there, uncanceled. Call them up again.
You're already paying with an inquiry, you must as well fight for the card.

+1, I'd wait a few days between calls (but that's just me), I'm not sure why though.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 26, 2011, 08:09:13 PM
30 days from the letter might work if you got your other cards approved before the letter came ;)

(perhaps that's an incentive to call with the appID before getting your 'rejection' letters...)
that's what I'm hoping for. The 2 apps were already approved and the letter prob won't come for another couple of days
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on October 26, 2011, 09:02:38 PM
if i get 2 cc by chase  1 continental 1 united would they give me on  both mileage ???
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 26, 2011, 09:04:33 PM
if i get 2 cc by chase  1 continental 1 united would they give me on  both mileage ???

Yes, but don't waste any time as the Continental program/card won't be around for too much longer.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on October 26, 2011, 09:15:38 PM
which continental card should i apply 4? or which 3 cards should i apply 4 using the 3 different browsers? pls tell me cc that i could merge into 1 account so i could use it asap. tnks 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 27, 2011, 02:03:47 AM
which continental card should i apply 4? or which 3 cards should i apply 4 using the 3 different browsers? pls tell me cc that i could merge into 1 account so i could use it asap. tnks 

CO, UA, Ink Bold, and Sapphire Preferred (links in the first page of this thread), are all good. With some of the spend requirements it might take some time until you spend and they post, just a heads up.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on October 27, 2011, 12:02:48 PM
thanks, the SAPPHIRE PREFERRED, could be transferd   to one pass??
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 27, 2011, 12:08:38 PM
thanks, the SAPPHIRE PREFERRED, could be transferd   to one pass??
Affirmative
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sim on October 27, 2011, 12:21:12 PM
Dan, I saw a Chase Freedom $250 offer out, can you get that link? (op only has 200)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 27, 2011, 12:42:32 PM
Dan, I saw a Chase Freedom $250 offer out, can you get that link? (op only has 200)
there is one floating around the boards for $300
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on October 27, 2011, 01:04:29 PM
Maybe use Dan's link for the app. so he gets his, and once you're approved ask for the $300. As long as it's within 90 days you should get it. I did it without a problem.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 27, 2011, 01:05:17 PM
Maybe use Dan's link for the app. so he gets his, and once you're approved ask for the $300. As long as it's within 90 days you should get it. I did it without a problem.

+1000000
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on October 27, 2011, 01:19:14 PM
+1000000
true dat
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 27, 2011, 01:38:45 PM
(Dan,) Is it hard for Dan/him to speak the Chase affiliate to up the link?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 27, 2011, 05:45:21 PM
(Dan,) Is it hard for Dan/him to speak the Chase affiliate to up the link?

I've often wondered if the affiliate links are (sometimes) intentionally lower than other offers.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 27, 2011, 07:34:45 PM
I've often wondered if the affiliate links are (sometimes) intentionally lower than other offers.

I should probably know what your implying, but I gotta come clean...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mclovin on October 29, 2011, 09:11:51 PM
the chase southwest link is for 25000 but main site is 50000?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Ergel on October 29, 2011, 09:22:52 PM
Planning on doing a 3BM. What do you recommend. SP, IB and ...? Freedom $300? United? Marriott? can I do a 5BM or will that lessen my chances of getting what I want?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on October 29, 2011, 09:43:02 PM
dan you still have listed the citi biz 75k
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mercaz1 on October 31, 2011, 10:50:46 AM
what is the best credit card for buying gas?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 31, 2011, 11:02:15 AM
Off the bat? Probably Penfed Visa.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on October 31, 2011, 11:44:31 AM
When sending an SM to Chase asking them to up the bonus on the CO card to 50k, is there any specific offer code? How would I reference the better offer?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on October 31, 2011, 12:44:07 PM
When sending an SM to Chase asking them to up the bonus on the CO card to 50k, is there any specific offer code? How would I reference the better offer?
I did it without referencing any code at all. I included the text - it's buried in this thread somewhere.

EDIT: Sorry, it's here (http://www.dansdeals.com/forums/index.php?topic=5180.msg124627#msg124627)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on October 31, 2011, 02:13:28 PM
I did it without referencing any code at all.
Me too.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on October 31, 2011, 02:37:34 PM
what is the best credit card for buying gas?
Off the bat? Probably Penfed Visa.
+1 or the Fort Knox Visa (http://www.fortknoxfcu.org/visa.html) which also gives 5% plus 1.25% on everything else but you have to join the CU I think
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mercaz1 on October 31, 2011, 02:50:26 PM
to od penfed do you need to sign up for anything
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 31, 2011, 02:59:18 PM
to od penfed do you need to sign up for anything
L-E-G-W-O-R-K. (https://netmember4.penfed.org/NetMember/Forms/OpenAccounts/Eligibility.aspx)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 31, 2011, 03:54:53 PM
L-E-G-W-O-R-K. (https://netmember4.penfed.org/NetMember/Forms/OpenAccounts/Eligibility.aspx)

A screenshot might be better, I got the following message when clicking on your link:

   
   
Quote from: PenFed site error
Today is Monday, October 31, 2011 3:53:36 PM ET



Your session has timed out.

To protect your privacy and to completely logoff, please close your browser.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on October 31, 2011, 04:12:30 PM
My bad. This (https://www.penfed.org/productsAndRates/applyforloan.asp?product=Visa%20Platinum%20Rewards%20Credit%20Card) (hopefully) should answer your question.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 31, 2011, 06:44:25 PM
Just had no problem reallocating $2,500 from my UA Visa Sig opened this year (dropping the credit line to $2,500) to Freedom.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 31, 2011, 06:52:39 PM
Just had no problem reallocating $2,500 from my UA Visa Sig opened this year (dropping the credit line to $2,500) to Freedom.

Thanks.

It seems I'm going to have to do something similar to keep the utilization on my Freedom card under control, with all the small charges I'm putting on it now.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on October 31, 2011, 07:41:03 PM
UA Visa Sig opened this year (dropping the credit line to $2,500)
+ 1 was able to cut some of my credit line from a Chase Visa Sig with about $2000 CL left after the realocation. Still retained its Visa Sig status (for whatever it's worth).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on October 31, 2011, 08:44:17 PM
Here's a chase reallocation for u
I got my 3rd swa card (wife and i together) i have numerous cards from chase (CO, UA mariott hyatt saphirre pref. freedom)
CSR: bec. u have over $30,000 total lines of credit I cannot extend more credit
ME: swap UA ($5,200 line of credit ) (was planning on getting the updated UA explorer anyway)
CSR: I'll review that
ME: can u divide part of the line of credit
CSR: no
CSR: thank u i've approved u for the swa visa with............$10,000.00 line of credit

HU????????????
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on October 31, 2011, 11:02:18 PM
 

CSR: thank u i've approved u for the swa visa with............$10,000.00 line of credit

HU????????????
;D I think that's happened to many of us here. We offer to move some credit line from another account and they end up giving us more then we asked for without moving any credit form the other cards. Good for you!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on October 31, 2011, 11:15:22 PM
Updated with the latest Slate offer for 0% BT with no BT fees.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on October 31, 2011, 11:18:29 PM
Updated with the latest Slate offer for 0% BT with no BT fees.

Interesting. Someone in my household just got that offer by mail. 12 months, right?
Title: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: gevaldig on October 31, 2011, 11:52:19 PM
hi dan your great, thanks a lot, i'm looking for the link were you explain the credit score, how much to spend,i can't find it, maybe you could help me ? tnks
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: AsherO on November 01, 2011, 12:13:44 AM
hi dan your great, thanks a lot, i'm looking for the link were you explain the credit score, how much to spend,i can't find it, maybe you could help me ? tnks

Which alliance? Maybe try an OJ and a 3x...

Whatever you do, make sure to CHURN after you bump via SM.

:D ::)
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: Dan on November 01, 2011, 12:16:32 AM
hi dan your great, thanks a lot, i'm looking for the link were you explain the credit score, how much to spend,i can't find it, maybe you could help me ? tnks
OK yare, you win ;)
www.dansdeals.com/archives/15735
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Blazer on November 01, 2011, 01:59:47 PM
Anyone,
Is there anything I can do. I booked the flight from Expedia.NZ for $810 NZ, I made it from 1/11/2012-1/18/2012. My cousine just got engaged and his wedding is 1/15/2012. I spoke to Expedia, they said if I cancell i forfeit the whole ticket.(even if I want to change dates, it would be $250 plus the differance in airfare, and I they told me I have to take the same route (Newark to Toronto to Telaviv (Air Canada)  and return through Zurich (Swissair). Is there anything I can do, or do I just have to forfeit the ticket. (including maybe I can transfer it, or any other ideas, can the Credit Card help me in any way. I booked it on a Citi Dividend card).
Thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 01, 2011, 02:48:11 PM
When sending an SM to Chase asking them to up the bonus on the CO card to 50k, is there any specific offer code? How would I reference the better offer?
I did it without referencing any code at all. I included the text - it's buried in this thread somewhere.

EDIT: Sorry, it's here (http://www.dansdeals.com/forums/index.php?topic=5180.msg124627#msg124627)

Thanks guys. Just got a nice SM from Chase telling me that I'll get another 20K!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 01, 2011, 02:54:28 PM
Thanks guys. Just got a nice SM from Chase telling me that I'll get another 20K!

Awesome!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on November 01, 2011, 06:27:14 PM
30 days from the letter might work if you got your other cards approved before the letter came ;)

(perhaps that's an incentive to call with the appID before getting your 'rejection' letters...)
Just got the letter from chase saying that my freedom app was declined due to too many inquiries for credit or opened accounts with us.
The interesting thing is that usually at the end of the letter there is a paragraph saying you can call to reconsider blah, blah...This letter didn't have that ???
Oh and the letter was dated Oct. 26 and my cards were approved on the 25th does this mean I can call Nov. 25th? and still be reconsidered?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 01, 2011, 06:29:13 PM
Just got the letter from chase saying that my freedom app was declined due to too many inquiries for credit or opened accounts with us.
The interesting thing is that usually at the end of the letter there is a paragraph saying you can call to reconsider blah, blah...This letter didn't have that ???
Oh and the letter was dated Oct. 26 and my cards were approved on the 25th does this mean I can call Nov. 25th? and still be reconsidered?

Possibly. Best to call a few days before 30 are up and see if they still say 'it hasn't been 30 days', and it they do call right on (or right after) day 30.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 01, 2011, 11:06:21 PM
Thanks guys. Just got a nice SM from Chase telling me that I'll get another 20K!
how do i send a sm??
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 01, 2011, 11:13:31 PM
how do i send a sm??

Log in to your Chase account. On the upper left side of the page there should be a link to send a message.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: arie on November 01, 2011, 11:30:03 PM
Just got the letter from chase saying that my freedom app was declined due to too many inquiries for credit or opened accounts with us.
The interesting thing is that usually at the end of the letter there is a paragraph saying you can call to reconsider blah, blah...This letter didn't have that ???
I just got today the same rejection letter without that bottom paragraph for the freedom card, but for a different card that was rejected (Marriott 70k) i got it with the bottom paragraph. i first tried calling to get the freedom card with a line of credit transfer but the csr wouldn't do it. i called again for the Marriott card and had no problem. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 01, 2011, 11:50:50 PM
I just got today the same rejection letter without that bottom paragraph for the freedom card, but for a different card that was rejected (Marriott 70k) i got it with the bottom paragraph. i first tried calling to get the freedom card with a line of credit transfer but the csr wouldn't do it. i called again for the Marriott card and had no problem. 

So weird. Are we seeing a trend here?

Please give the Freedom card another shot and let us know how it goes. If you have to (and are willing), offer to close a different card to push this one through...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 02, 2011, 12:01:41 AM
So weird. Are we seeing a trend here?

Please give the Freedom card another shot and let us know how it goes. If you have to (and are willing), offer to close a different card to push this one through...

A trend not to allow recon on Freedom?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 02, 2011, 12:08:09 AM
A trend not to allow recon on Freedom?

No, a trend with regards to the paragraph at the end of the rejection letter and how it affects your recon.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 02, 2011, 12:18:35 AM
Just got the letter from chase saying that my freedom app was declined due to too many inquiries for credit or opened accounts with us.
The interesting thing is that usually at the end of the letter there is a paragraph saying you can call to reconsider blah, blah...This letter didn't have that ???
Oh and the letter was dated Oct. 26 and my cards were approved on the 25th does this mean I can call Nov. 25th? and still be reconsidered?
I had the same experience when I applied for the Ink Classic. No invitation to call. I called Recon anyway and it worked.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 02, 2011, 12:19:30 AM
Shortest. lived. trend. ever. :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 02, 2011, 12:23:38 AM
Shortest. lived. trend. ever. :P

I was suggesting that perhaps there's a difference in whether they invite you to call recon or not, and those that get the invite have an easier time getting approved.

Nothing DovidR wrote tells us my hypothesis is wrong.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 02, 2011, 12:31:58 AM
I was suggesting that perhaps there's a difference in whether they invite you to call recon or not, and those that get the invite have an easier time getting approved.

Nothing DovidR wrote tells us my hypothesis is wrong.

How would you ever empirically prove "easier?"
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 02, 2011, 12:33:23 AM
I was suggesting that perhaps there's a difference in whether they invite you to call recon or not, and those that get the invite have an easier time getting approved.

Nothing DovidR wrote tells us my hypothesis is wrong.
It was my assumption that I got the 'short' rejection letter because the Chase computer system was tired of handling all the apps I was sending. The reps, however, have a lot of leeway and they know a good customer when they see one  ;)

Then again, I could be wrong.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 02, 2011, 12:34:18 AM
How would you ever empirically prove "easier?"

Well, it is easier when they provide a phone number for you to call, isn't it?  :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 02, 2011, 12:36:38 AM
Well, it is easier when they provide a phone number for you to call, isn't it?  :P

Only if you can read English :P

(Some DDF members have trouble with that.)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 02, 2011, 12:45:31 AM
How would you ever empirically prove easier

All I'm suggesting (for the third time: ) is that perhaps it (having that recon paragraph tacked on) has to do with more than just what card type you signed up for (i.e. some cards have it, some don't), or some other general determinant. I have no empirical evidence proving this hypothesis (nor have I insinuated I do), and you have none proving it wrong.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on November 02, 2011, 12:47:55 AM
All I'm suggesting (for the third time: ) is that perhaps it (having that recon paragraph tacked on) has to do with more than just what card type you signed up for (i.e. some cards have it, some don't), or some other general determinant. I have no empirical evidence proving this hypothesis (nor have I insinuated I do), and you have none proving it wrong.
It could also depend on why you got denied, if it was for credit related reasons they may invite you to call recon, but if it was for an internal Chase reason they may consider the case closed and therefore there is no need to print the number. If you call though you may get the card anyway.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 02, 2011, 12:49:11 AM
All I'm suggesting (for the third time: ) is that perhaps it (having that recon paragraph tacked on) has to do with more than just what card type you signed up for (i.e. some cards have it, some don't), or some other general determinant. I have no empirical evidence proving this hypothesis (nor have I insinuated I do), and you have none proving it wrong.

Hmm.. I wonder if there's a trend here :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on November 02, 2011, 12:54:17 AM
i've seen the same thing recently and i like to venture a guess  that it has to do with co-branded cards vs. chase cards (there are generally better and easier reasons to recon. co-branded ie:i need it for that hotel\airline but try explaing why u need saphire saphire preffered and freedom likkewise with the ink cards, i'm not saying i havent done it but it took alot more imagination and cajoling)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 02, 2011, 12:57:25 AM
i've seen the same thing recently and i like to venture a guess  that it has to do with co-branded cards vs. chase cards (there are generally better and easier reasons to recon. co-branded ie:i need it for that hotel\airline but try explaing why u need saphire saphire preffered and freedom likkewise with the ink cards, i'm not saying i havent done it but it took alot more imagination and cajoling)

I'd argue it's the other way around and Chase prefers you get their own cards.

I've also had an easy time explaining I prefer the Chase cards for the specific benefits they offer (these days I really do!), e.g. Chase exclusives.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 02, 2011, 01:02:27 AM
I'd argue it's the other way around and Chase prefers you get their own cards.

I've also had an easy time explaining I prefer the Chase cards for the specific benefits they offer (these days I really do!), e.g. Chase exclusives.

Do tell.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: arie on November 02, 2011, 01:02:58 AM
i've seen the same thing recently and i like to venture a guess  that it has to do with co-branded cards vs. chase cards (there are generally better and easier reasons to recon. co-branded ie:i need it for that hotel\airline but try explaing why u need saphire saphire preffered and freedom likkewise with the ink cards, i'm not saying i havent done it but it took alot more imagination and cajoling)
when i first called, the rep actually told me that i was denied because i already have the sapphire card and it's the same as the freedom ( ???) , i told her to please double check that, because i know people that have both. Though she acknowledged her error (and then said i was denied because of too many open accounts..) you might be on to something
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 02, 2011, 01:06:01 AM
Do tell.

The point bonuses on the Freedom card and some of the Ink cards are being marketed as Chase Exclusive bonuses.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 02, 2011, 01:07:51 AM
The point bonuses on the Freedom card and some of the Ink cards are being marketed as Chase Exclusive bonuses.

Ah, right right. Thankee for clarifying.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 02, 2011, 01:15:54 AM
Ah, right right. Thankee for clarifying.

Welcomee.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on November 02, 2011, 07:56:15 AM
I'd argue it's the other way around and Chase prefers you get their own cards.

I've also had an easy time explaining I prefer the Chase cards for the specific benefits they offer (these days I really do!), e.g. Chase exclusives.
I'd agree but the evidence seems to support my theory
my explanation would be that your reason belongs to the marketing department, not the credit approval department which is more concerned about how much credit u have why u need it and why u need so many different cards
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 02, 2011, 08:26:31 AM
I'd agree but the evidence seems to support my theory
my explanation would be that your reason belongs to the marketing department, not the credit approval department which is more concerned about how much credit u have why u need it and why u need so many different cards

The analysts will accept that reason (at least IME) for the same reason they'll accept 'I got the United card because I plan on flying United a lot and...', it simply means (assuming they trust you) you're not a credit risk because your application isn't due to you needing credit.

IOW, if it's a plausible explanation for why you need the card, why would co-branded-card- explanations be any better than non-co-branded-card-explanations?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on November 02, 2011, 08:48:03 AM
every co branded card has a valid expl. but recently a rep asked me why i want the sapphire if i already have the preferred
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 02, 2011, 08:50:06 AM
every co branded card has a valid expl. but recently a rep asked me why i want the sapphire if i already have the preferred

That's a known 'issue' with Sapphire and SP, can't extrapolate from that and generalize for all Chase cards...
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: gevaldig on November 02, 2011, 02:45:31 PM
OK yare, you win ;)
www.dansdeals.com/archives/15735
i did a 3BM  on amex cc, 3 different cc, 1 i got approved on the spot but the 2 other ones i had to call in, and they told me because there system took it for a duplicate application. does it mean that 3bm aint working ??
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: AsherO on November 02, 2011, 02:52:43 PM
i did a 3BM  on amex cc, 3 different cc, 1 i got approved on the spot but the 2 other ones i had to call in, and they told me because there system took it for a duplicate application. does it mean that 3bm aint working ??

Did you use three tabs in the same browser?
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: gevaldig on November 02, 2011, 02:54:52 PM
Did you use three tabs in the same browser?
no i used ie, chrome, mozilla.
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: AsherO on November 02, 2011, 02:55:55 PM
no i used ie, chrome, mozilla.

??? Which three cards did you apply for?
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: gevaldig on November 02, 2011, 02:58:49 PM
??? Which three cards did you apply for?
delta gold, gold rewards, spg
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: AsherO on November 02, 2011, 03:02:56 PM
delta gold, gold rewards, spg

How long between when you clicked submit for each app?
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: gevaldig on November 02, 2011, 03:05:44 PM
seconds
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: AsherO on November 02, 2011, 03:06:21 PM
seconds

Anyone have any idea what this is about? I'm clueless...
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: myb821 on November 02, 2011, 04:35:46 PM
strange i just did a 2BMa week and a half ago no problem got spg and plat
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: myb821 on November 02, 2011, 04:36:08 PM
also wrong thread
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Armadillo on November 02, 2011, 07:16:43 PM
gold consumer charge card up to 1000 min spend from 500? The link says 500 but the landin page says 1000...
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: gevaldig on November 02, 2011, 08:49:10 PM
Which alliance? Maybe try an OJ and a 3x...

Whatever you do, make sure to CHURN after you bump via SM.

:D ::)
 AsherO what do you mean, make sure to CHURN after you bump via SM.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on November 02, 2011, 11:10:41 PM
Anyone have any idea what this is about? I'm clueless...

Same thing happened to me back when I did my 3bm for SPG, Plat and PRG. All 3 said call but when I called I was only able to get the Plat as the others were cancelled as duplicate apps... :( I also used IE, FF and Chrome.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 02, 2011, 11:13:28 PM
maybe you would be able to explain me what this means,,, make sure to CHURN after you bump via SM
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 02, 2011, 11:30:49 PM
Same thing happened to me back when I did my 3bm for SPG, Plat and PRG. All 3 said call but when I called I was only able to get the Plat as the others were cancelled as duplicate apps... :( I also used IE, FF and Chrome.

But IIRC you did something related to incognito at least in some of the instances.
Title: Re: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on November 02, 2011, 11:57:57 PM
But IIRC you did something related to incognito at least in some of the instances.

Was going to but didn't in the end. I used Incognito when I did my chase 3BM. The chase one was 1 credit pull, amex actually did 4.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: trying123 on November 03, 2011, 01:51:43 AM
just applied for ink bold got a decision pending , does any body get approved by chase right away ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 03, 2011, 01:52:58 AM
just applied for ink bold got a decision pending , does any body get approved by chase right away ?

Of course.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: trying123 on November 03, 2011, 01:58:47 AM
So thts already a bad simen tht they put me pending? 
And when should I call in to strt the pegehning process?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 03, 2011, 02:01:13 AM
So that's already a bad sign that they put my application on pending? 
And when should I call in to start the bargaining process?

Not necessarily. You can probably call as early as tomorrow.

(P.S. I took the liberty of cleaning up your post.)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: trying123 on November 03, 2011, 02:09:43 AM
thanks ajk

 wht do u want from me at 2:10 am - i should spell out every word?   AFAIK the ddf forum uses allot of short code
BATYFYH- BUT ANYWAY THANK YOU FOR YOUR HELP ;)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on November 03, 2011, 04:28:22 AM
One day only. Public 75k Amex Business Gold after $10k spend

http://www262.americanexpress.com/landing-page/business-cards/sclp/bgold/pm0004/43211
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: aussiebochur on November 03, 2011, 04:36:05 AM
Anyone get it recently and want to try bump the bonus? Bonus ID:7616
Title: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: PETERP on November 03, 2011, 05:59:51 AM
Which alliance? Maybe try an OJ and a 3x...

Whatever you do, make sure to CHURN after you bump via SM.

:D ::)


Sorry what is OJ.  Another question is churn which card(s)

Thanks
Title: Re: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: BAHayman on November 03, 2011, 09:04:18 AM

Sorry what is OJ.  Another question is churn which card(s)

Thanks

Orange Juice? :p

Jk, it's Open Jaw.
Title: Re: Re: Re: The New Color-Coded Fuel Surcharges On Award Tickets Master Thread!
Post by: DovidR on November 03, 2011, 09:13:56 AM
Orange Juice? :p

Jk, it's Open Jaw.
Open Jaw explained here (http://www.travelblogs.com/articles/the-open-jaw-and-stopover).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 03, 2011, 10:14:48 AM
One day only. Public 75k Amex Business Gold after $10k spend

http://www262.americanexpress.com/landing-page/business-cards/sclp/bgold/pm0004/43211

Good find... now to start my AOR early for this... decisions, decisions.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 03, 2011, 10:19:48 AM
what is AOR
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 03, 2011, 10:21:00 AM
what is AOR

Search and ye shall find.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 03, 2011, 10:24:25 AM
lol, i made a search and it came up your recent post
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 03, 2011, 10:25:45 AM
lol, i made a search and it came up your recent post

Search from the MAIN screen (click "Home" above). Otherwise, it will only search this thread.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 03, 2011, 11:01:08 AM
Has anyone been 100% successful (automagic approval, no recon necessary) on a Chase 2/3BM?

I feel like the odds are somewhere between 0-1%.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 03, 2011, 11:04:10 AM
Has anyone been 100% successful (automagic approval, no recon necessary) on a Chase 2/3BM?

I feel like the odds are somewhere between 0-1%.

I'm under the impression that they don't see the other apps when considering for instant approval, if this is the case then with the right variables (excellent credit, high income, no red/yellow flags etc.) you should be able to get instant for all three, Perhaps that's just the 1% (who have those qualifications) though.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 03, 2011, 11:06:24 AM
Has anyone been 100% successful (automagic approval, no recon necessary) on a Chase 2/3BM?

I feel like the odds are somewhere between 0-1%.
Why define success as not using recon, a very important tool?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 03, 2011, 11:07:03 AM
Why define success as not using recon, a very important tool?

Agreed. But recon can be a hassle too.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 03, 2011, 11:09:39 AM
I'm under the impression that they don't see the other apps when considering for instant approval, if this is the case then with the right variables (excellent credit, high income, no red/yellow flags etc.) you should be able to get instant for all three, Perhaps that's just the 1% (who have those qualifications) though.

Yea, that's my feeling as well. But I don't think anyone in this game, (especially those worth they're salt) could have a yellow-flagless application.

Why define success as not using recon, a very important tool?

Agreed. But recon can be a hassle too.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 03, 2011, 11:12:08 AM
Yea, that's my feeling as well. But I don't think anyone in this game, (especially those worth they're salt) could have a yellow-flagless application.

You have my agreement on that. I feel like I overstepped my boundaries with Chase a few months back, and wasn't able to apply for the fee-free 50k SW offer because of that.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 03, 2011, 11:15:53 AM
I've had instant 3BMs with Citi and AMEX in the past.  With Chase though I think it's always been via Recon.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 03, 2011, 11:20:46 AM
I've had instant 3BMs with Citi and AMEX in the past.  With Chase though I think it's always been via Recon.

+1
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: trying123 on November 03, 2011, 01:45:31 PM
just got denied for chase ink bold they said to many apps in last 12months i asked the rep if he can take the credit from another chase card i have and he said NO

i opened a plat pr gold spg amex and a chase sp should i even try calling other # for recon or its a waist of time 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 03, 2011, 01:57:49 PM
just got denied for chase ink bold they said to many apps in last 12months i asked the rep if he can take the credit from another chase card i have and he said NO

i opened a plat pr gold spg amex and a chase sp should i even try calling other # for recon or its a waist of time

He said too many chase apps in the last 12 months? (Looks like you only only CSP  ???)

Or, too many inquiries?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: trying123 on November 03, 2011, 02:10:51 PM
no he said to many open accounts and a nice amount of them are new accounts

i also have a chase sapphire reg card and a canceled freedom card tht i exchanged for the csp card

so wht my next step pls help me out
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on November 03, 2011, 11:36:15 PM
if i do the two cit aa (50k) whats the next best (iyo) for a third application
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 04, 2011, 12:03:46 AM
One day only. Public 75k Amex Business Gold after $10k spend

http://www262.americanexpress.com/landing-page/business-cards/sclp/bgold/pm0004/43211

Busy night:

(http://i40.tinypic.com/2cgm00j.png)

Thanks for posting this, Chaikel (though I would've seen it elsewhere). 136k MR, here I come :D
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on November 04, 2011, 12:06:29 AM
Busy night:

Thanks for posting this, Chaikel (though I would've seen it elsewhere). 136k MR, here I come :D

2/2 instant approvals? Congrads
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on November 04, 2011, 12:10:48 AM
congrats
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 04, 2011, 12:12:13 AM
2/2 instant approvals? Congrads

Thanks, BH

Got the following message for one of the apps:

Quote
Your application is pending further review. Please call us now.

Thank you for your application for The Business Gold Rewards Card® From American Express OPEN and any Additional Cards you may have requested. In order to provide you with an instant decision, we need to speak with you. We are available to assist you from Monday through Friday, 8 AM to midnight, Saturday 9:30 AM to 9 PM, and Sunday 10 AM to 9 PM ET.

Please call us at 1-800-221-4950 to be connected directly to a Customer Care Professional who will provide you with a decision. To expedite your call, please refer to your individual tracking number: 2011xxxxxxxxxx.

If you are unable to speak with us now, please print this page and call us during the hours listed above. We will finalize your application at that time. If we don't hear from you, we will attempt to contact you within 2-3 days.

Thank you for choosing American Express.

Called and got through to a foreign woman, who just wanted to confirm the business name and address, and she told me I'm approved.

congrats

Thanks.

Now I'm worried about F/R when I spend 10k in a month or two...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 04, 2011, 05:57:28 AM
You have my agreement on that. I feel like I overstepped my boundaries with Chase a few months back, and wasn't able to apply for the fee-free 50k SW offer because of that.

I may have asked this before but please indulge me. If I don't fly SW and points are not transferable

Why would I get that card? 

If its a national security issue, I will understand the no answer.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on November 04, 2011, 07:23:36 AM
I may have asked this before but please indulge me. If I don't fly SW and points are not transferable

Why would I get that card? 

If its a national security issue, I will understand the no answer.
u can get a $500 amazon gift card for 40000 points and many other retailers
u can use it for international awards
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lechaim2life on November 04, 2011, 09:26:51 AM
Had an epic disaster (maybe not that bad) 3BM'ing Amex cards. Got approved for the 75k business card but the Starwood said no because of "credit score" and the Blue Cash didn't even go through because they said I applied for another card already.
This is my second mess-up with the 3BM. What am I doing wrong and is it worth it to call Amex Recon? My credit score is good and I have a good, steady income so that shouldn't be an issue. Also, what can I tell them if they ask why I applied for 3 cards at once?
Title: Re: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on November 04, 2011, 09:29:04 AM
Had an epic disaster (maybe not that bad) 3BM'ing Amex cards. Got approved for the 75k business card but the Starwood said no because of "credit score" and the Blue Cash didn't even go through because they said I applied for another card already.
This is my second mess-up with the 3BM. What am I doing wrong and is it worth it to call Amex Recon? My credit score is good and I have a good, steady income so that shouldn't be an issue. Also, what can I tell them if they ask why I applied for 3 cards at once?
Only an epic disaster if you get 4 credit pulls out of it. :-/
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lechaim2life on November 04, 2011, 09:55:35 AM
Epic disasater or not, any advice?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 04, 2011, 09:59:57 AM
Had an epic disaster (maybe not that bad) 3BM'ing Amex cards. Got approved for the 75k business card but the Starwood said no because of "credit score" and the Blue Cash didn't even go through because they said I applied for another card already.
This is my second mess-up with the 3BM. What am I doing wrong and is it worth it to call Amex Recon? My credit score is good and I have a good, steady income so that shouldn't be an issue. Also, what can I tell them if they ask why I applied for 3 cards at once?
I don't know what you're doing wrong, or even if you're doing anything wrong. However, what would be the reason to not call Recon? If you want advice, I'd tell you to give them a call about the starwood card. Then call again for the Blue Cash. You are already 'paying' with at least one hard pull, you might as well fight for your cards.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lechaim2life on November 04, 2011, 10:11:07 AM
I'm just worried that they'll ask me why I am applying for all the cards at once and then not sure if I have a good answer (i.e. an answer they'd want to hear)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 04, 2011, 10:15:02 AM
If I don't fly SW and points are not transferable
You can book anyone you want with your Southwest points.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 04, 2011, 11:47:53 AM
I may have asked this before but please indulge me. If I don't fly SW and points are not transferable

Why would I get that card? 

If its a national security issue, I will understand the no answer.

If you find a broker/travel agent who'll buy them off you, 50k is worth  ~$900 in SW tickets.

Either way, people were saying it's a good offer, but that doesn't necessarily make it a good offer for you...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 04, 2011, 12:20:07 PM
I'm just worried that they'll ask me why I am applying for all the cards at once and then not sure if I have a good answer (i.e. an answer they'd want to hear)
Tell them you like Starwood hotels and you're much more interested in the card than in the credit line.
The worst they can do is say no, in which case you're right where you are right now.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 04, 2011, 01:00:28 PM
Had an epic disaster (maybe not that bad) 3BM'ing Amex cards. Got approved for the 75k business card but the Starwood said no because of "credit score" and the Blue Cash didn't even go through because they said I applied for another card already.

Someone else just reported this as well (earlier in this thread (http://www.dansdeals.com/forums/index.php?topic=8028.msg136444#msg136444)), I have no explanation for it. :(

You can just explain that the business card is for business expenses and the two personal cards are for different kinds of purchases (e.g. you got the blue cash for the 3x cashback at supermarkets and the 2x cashback on gas.

Tell them you like Starwood hotels and you're much more interested in the card than in the credit line.

+1
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 04, 2011, 02:59:45 PM
Anyone know if if the fee for Global Entry is credited back on a Plat AU?


Yup.

Can confirm. Both main holder and AU get credited back.

Also, the GE interview is a joke. Took 10 mins and was good for 5 years.

Yay for no lines coming back from Paris.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 04, 2011, 03:02:30 PM
how can i apply for global entry
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 04, 2011, 03:03:01 PM
how can i apply for global entry

How? By going to the site and filling out the application.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 04, 2011, 03:06:48 PM
please post the web name
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 04, 2011, 03:13:47 PM
please post the web name

Global Entry.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 04, 2011, 03:21:08 PM
thanks, one more question can i use the amex small business gift cc 11/26/11 on like a privet seller on amezon or ebay?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 04, 2011, 03:36:17 PM
thanks, one more question can i use the amex small business gift cc 11/26/11 on like a privet seller on amezon or ebay?

That one work unless the seller has their own terminal and merchant account, very uncommon AFAIK.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 04, 2011, 05:14:48 PM
please explain i don't understand
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: BAHayman on November 05, 2011, 07:34:17 PM
thanks, one more question can i use the amex small business gift cc 11/26/11 on like a privet seller on amezon or ebay?
That one work unless the seller has their own terminal and merchant account, very uncommon AFAIK.
please explain i don't understand
When you purchase on amazon or ebay then the credit card gets processed by amazon or paypal (etc) who are not considered small businesses, so unless the seller manually processes the card on their own merchant account it wont qualify as a small business transaction.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 05, 2011, 09:14:13 PM
thanks, were getting smarter each day using this forum, what does YMMV stand for?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yellow on November 05, 2011, 09:19:39 PM
thanks, were getting smarter each day using this forum, what does YMMV stand for?
Your mileage may vary
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 06, 2011, 05:34:06 AM
Anyone get it recently and want to try bump the bonus? Bonus ID:7616
I passed this up for the crazy spend threshold. No way I can spend another 10k. Did it on two cards already this year, plus all the smaller spend thresholds. I guess the CC companies are getting smarter with us churners.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 06, 2011, 08:44:20 AM
I passed this up for the crazy spend threshold. No way I can spend another 10k. Did it on two cards already this year, plus all the smaller spend thresholds. I guess the CC companies are getting smarter with us churners.

This one's a biz card, were the other two biz cards as well?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 06, 2011, 03:03:16 PM
This one's a biz card, were the other two biz cards as well?

The other two were Citi 50/100 AA CC's. I meant that I've done 10k spends twice this year.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 06, 2011, 07:02:13 PM
The other two were Citi 50/100 AA CC's. I meant that I've done 10k spends twice this year.

I wouldn't count the Citi cards as you could've opted for 75k after $1.5 spend. $10k spend requirement isn't the norm quite yet.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 06, 2011, 09:01:59 PM
Anyone get it recently and want to try bump the bonus? Bonus ID:7616
Please i'm trying to figure out what your saying here? which bonus are you talking about? and were can i apply with this offer? 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cashman on November 06, 2011, 09:11:00 PM
I have the southwest card. Would like to switch to the chase freedom card. Can someone tell me best way to do that.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 06, 2011, 09:13:19 PM
I have the southwest card. Would like to switch to the chase freedom card. Can someone tell me best way to do that.

Does it have to be a switch? Maybe consider just applying for a Freedom.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 06, 2011, 09:16:33 PM
Does it have to be a switch? Maybe consider just applying for a Freedom.
your good :D ;D
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 06, 2011, 09:43:28 PM
your good :D ;D

Not mine, his.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cashman on November 06, 2011, 09:48:07 PM
Does it have to be a switch? Maybe consider just applying for a Freedom.
Don't think chase will approve have sapphire and southwest in last 6 months. What do you say?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 06, 2011, 10:20:26 PM
Don't think chase will approve have sapphire and southwest in last 6 months. What do you say?

If your credit and income situation are good, then it shouldn't be a problem. Even if you get declined, just call Chase reconsideration and they'll probably push it through for you. I would even apply simultaneously for two cards (one in each browser) first (two applications) for yourself then (another two) for your wife.

With reconsideration you can always offer to take credit from an existing card or offer to close it to get a card pushed through.

Remember to use the official DDF links when applying, you can find them in the first post of this thread.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cashman on November 06, 2011, 11:30:04 PM
If your credit and income situation are good, then it shouldn't be a problem. Even if you get declined, just call Chase reconsideration and they'll probably push it through for you. I would even apply simultaneously for two cards (one in each browser) first (two applications) for yourself then (another two) for your wife.

With reconsideration you can always offer to take credit from an existing card or offer to close it to get a card pushed through.

Remember to use the official DDF links when applying, you can find them in the first post of this thread.
Thanks alot for advice. And always use dans links.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 06, 2011, 11:40:32 PM
Thanks alot for advice.

YW, good luck with your apps.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 07, 2011, 12:04:48 AM
@AsherO
(1) is there any link or info out at DDF about transferring points etc, (2) what are the free amex points worth spoke to amex csr told me that you cant transfer it anywhere?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 07, 2011, 12:13:53 AM
@AsherO
(1) is there any link or info out at DDF about transferring points etc, (2) what are the free amex points worth spoke to amex csr told me that you cant transfer it anywhere?

1. Transferring points from where to where?
2. Which free Amex points? If they are Membership Rewards points and you hold a Platinum, Gold or Green card you can transfer them to airlines.
3. Any reason you're addressing these questions to me in particular?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 07, 2011, 12:31:04 AM
""1. Transferring points from where to where?
2. Which free Amex points? If they are Membership Rewards points and you hold a Platinum, Gold or Green card you can transfer them to airlines.
3. Any reason you're addressing these questions to me in particular?""




I have a free amex card with no annual  fee for the last 2 years, i have in that like 50k points, and the csr told me that these points you can't transfer to airlines etc. only points from charge cards, so i am wondering if i could transfer them to my new premier rewards gold card? thanks      (#3) look at the number of posts you answered it seems like you have all the great info,
thanks for helping us all out here
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 07, 2011, 12:35:01 AM
I have a free amex card with no annual  fee for the last 2 years, i have in that like 50k points, and the csr told me that these points you can't transfer to airlines etc. only points from charge cards, so i am wondering if i could transfer them to my new premier rewards gold card? thanks (#3) look at the number of posts you answered it seems like you have all the great info,
thanks for helping us all out here

What's the 'free' Amex card called? Do you earn 'Membership Rewards' points on that card? If yes you can get those in the same acct as your PRG and transfer them to an airline.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 07, 2011, 12:37:03 AM
 the amex blue card 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 07, 2011, 12:39:57 AM
What's the 'free' Amex card called? Do you earn 'Membership Rewards' points on that card? If yes you can get those in the same acct as your PRG and transfer them to an airline.
 
wow you made now my 50k points worth i already was thinking of redeeming it for cash each point for a penny,   do i have to call them to transfer it or can i do it online? Is the PRG  the only card you could transfer these points to??
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 07, 2011, 12:43:47 AM
the amex blue card 

Those should be able to be combined with your PRG MR points that transfer to airline miles.

ok i got approved for spg,  do i have to call them to transfer it or can i do it online? Is the spg  the only card you could transfer these points to??

Who said anything about SPG?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on November 07, 2011, 12:44:12 AM
ok i got approved for spg,  do i have to call them to transfer it or can i do it online? Is the spg  the only card you could transfer these points to??

He said PRG which is the Premier Rewards Gold card, which is a Membership Rewards card as opposed to the SPG (starwoods preferred guest) which gives you starpoints
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 07, 2011, 01:11:04 AM
yes i edited it
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 07, 2011, 01:12:57 AM

can i transfer these online, or i need to call MR??
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 07, 2011, 01:21:42 AM
wow you made now my 50k points worth i already was thinking of redeeming it for cash each point for a penny,   do i have to call them to transfer it or can i do it online? Is the PRG  the only card you could transfer these points to??

You can transfer them to miles once they are in a MR (regular) or MR First account, not an MR basic acct (like your Amex blue had). Once you call Amex MR to link them, then they should all be in one account that you can transfer to miles online.

As to your second question, you don't transfer the points to a card, you make sure the points are in the same account with your PRG. Any Amex charge card that is Green, Gold, Platinum, or Black should transfer to miles online, once you have one of these cards, any card that earns MR points and is linked (same online login?) should deposit to the same MR account and also be transferable.

I repeated myself a few times, hopefully it'll help you understand my response.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 07, 2011, 01:27:10 AM
thanks i hope i got it
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: trying123 on November 07, 2011, 01:27:39 AM
im just curious the nick cranky u picked up urself or some one labeled you with it
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 07, 2011, 01:28:59 AM
thanks i hope i got it

I hope so too. ::)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on November 07, 2011, 08:00:36 AM
dan on the southwest card u mention 110k points from any source for CP. That is no longer true  not every point counts. I have been doing research on it and it has gotten very confusing
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 07, 2011, 11:26:25 AM
dan on the southwest card u mention 110k points from any source for CP. That is no longer true  not every point counts. I have been doing research on it and it has gotten very confusing
Do you have a list of what does or doesn't count?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on November 07, 2011, 11:36:15 AM
I don't have a list cause its super complicated all cc stuff counts flying counts but not any bonuses from being elite. Purchasing miles does not count. hotel stays and car rentals is where it gets really complicated and I'm not sure how it works
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 07, 2011, 11:39:19 AM
I don't have a list cause its super complicated all cc stuff counts flying counts but not any bonuses from being elite. Purchasing miles does not count. hotel stays and car rentals is where it gets really complicated and I'm not sure how it works

That's all that matters :D
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: aviandfay on November 07, 2011, 05:25:17 PM
Hi! does anyone know if its still possible to get a 25k/30k signup bonus with the starwoods card?
Thank you!!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yudel on November 07, 2011, 05:26:40 PM
Busy night:

Thanks for posting this, Chaikel (though I would've seen it elsewhere). 136k MR, here I come :D

Did you cancel your regular Plat? If so how long ago?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 07, 2011, 05:35:32 PM
Hi! does anyone know if its still possible to get a 25k/30k signup bonus with the starwoods card?
Thank you!!
Sure, just use the links in the first post of this thread.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: YG on November 07, 2011, 06:09:54 PM
Re: consolidating credit lines, do both the bank and the credit provider have to match?

eg a bank of america visa, citi amex and citi visa, would all have to remain independent and unconsolidated, meaning that to close any of them to avoid yearly fees would cost in terms of credit score?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: asks on November 08, 2011, 09:21:49 AM
Question regarding Chase reconsideration, for Sapphire Preferred, for someone who wrote down homemaker with less than 25k income was told that their financial obligations are greater than income (mortgage/rent payments) and application was deeclined, are there any other options for reconsideration?  Person has very good credit score but no other Chase CC to transfer credit from, any ideas?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 08, 2011, 10:00:18 AM
Question regarding Chase reconsideration, for Sapphire Preferred, for someone who wrote down homemaker with less than 25k income was told that their financial obligations are greater than income (mortgage/rent payments) and application was deeclined, are there any other options for reconsideration?  Person has very good credit score but no other Chase CC to transfer credit from, any ideas?
Yes. Does the homemaker have a spouse with an income? That income can be included.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: asks on November 08, 2011, 10:04:55 AM
yes, that tactic was tried but rejected by rep as not possible based on the housing costs are jointly shared by the couple.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 08, 2011, 10:10:24 AM
yes, that tactic was tried but rejected by rep as not possible based on the housing costs are jointly shared by the couple.
Then I would advise the homemaker to take it slow. Don't go for the Sapphire Preferred yet. Go for a regular Sapphire. Then he/she have a foot in the door with chase.

EDIT: Maybe a Freedom card would serve better for openers, not sure.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: asks on November 08, 2011, 10:13:26 AM
sounds like the issue started with the income amount and occupation selection....
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 08, 2011, 02:30:16 PM
I never till now matched  the same income on all these cards, Is it a problem?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 08, 2011, 04:10:00 PM
I never till now matched  the same income on all these cards, Is it a problem?

I doubt it. After all, people's income often changes.
Anyway, it hasn't been a problem for me.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: boruch on November 08, 2011, 04:11:09 PM
2 quick questions about the freedom and sapphire pref.

1) I opened my freedom a bit over a year ago when I moved most of my banking to chase (checking, savings, car loan etc). I did not receive any cashback or points for opening it and I see now a link for $200 cashback for opening a freedom. Do you think they will match that through a SM?

2) The sapphire pref give you 7% dividend on all earned points at the end of the year. Does this include points transfered from my freedom? If this is the case I'll make sure to transfer all of them (about 40k now) to my sapphire before the end of the year.

Many Thanks in advance.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 08, 2011, 04:20:13 PM
2 quick questions about the freedom and sapphire pref.

1) I opened my freedom a bit over a year ago when I moved most of my banking to chase (checking, savings, car loan etc). I did not receive any cashback or points for opening it and I see now a link for $200 cashback for opening a freedom. Do you think they will match that through a SM?

2) The sapphire pref give you 7% dividend on all earned points at the end of the year. Does this include points transfered from my freedom? If this is the case I'll make sure to transfer all of them (about 40k now) to my sapphire before the end of the year.

Many Thanks in advance.

Re: 1, I really don't think they'll do it easily, if at all. But doesn't hurt to ask. Worst case is you're in the same position as now.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on November 08, 2011, 07:26:48 PM
2 quick questions about the freedom and sapphire pref.

1) I opened my freedom a bit over a year ago when I moved most of my banking to chase (checking, savings, car loan etc). I did not receive any cashback or points for opening it and I see now a link for $200 cashback for opening a freedom. Do you think they will match that through a SM?

2) The sapphire pref give you 7% dividend on all earned points at the end of the year. Does this include points transfered from my freedom? If this is the case I'll make sure to transfer all of them (about 40k now) to my sapphire before the end of the year.

Many Thanks in advance.

1) I doubt it
2) no
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on November 08, 2011, 08:17:40 PM
My AU wants to apply for his own sapphire, will he be accepted, or I should to knock him off first? If I have to knock him off, how long to wait before applying?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 08, 2011, 08:52:17 PM
My AU wants to apply for his own sapphire, will he be accepted, or I should to knock him off first? If I have to knock him off, how long to wait before applying?

AFAIK, you don't have to knock him off.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on November 08, 2011, 09:47:38 PM
whats the highest cash back on all cat avail now 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 08, 2011, 09:50:32 PM
whats the highest cash back on all cat avail now

2%.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 08, 2011, 10:47:51 PM
this question was maybe asked already, but i couldn't find it, I work for my father in his L.l.c , can i apply for a business cc with the tax ID #
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 08, 2011, 11:13:17 PM
this question was maybe asked already, but i couldn't find it, I work for my father in his L.l.c , can i apply for a business cc with the tax ID #

I don't think you can use the tax ID of your employer (whether he's related or not), unless you're a part of the company.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on November 08, 2011, 11:22:26 PM
whats the highest cash back on all cat avail now 
2%.
if u mean on any card then it would be the AARP card from chase at 5% on all purchases for 6 months
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on November 08, 2011, 11:25:11 PM
this question was maybe asked already, but i couldn't find it, I work for my father in his L.l.c , can i apply for a business cc with the tax ID #

If you are authorized to obtain credit on behalf of the corporation (i.e. an officer of the corp.) then yes, you can legally do it.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 08, 2011, 11:38:20 PM
If you are authorized to obtain credit on behalf of the corporation (i.e. an officer of the corp.) then yes, you can legally do it.
how can you become authorized??
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 08, 2011, 11:38:49 PM
how can you become authorized??

Speak to your pops :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on November 08, 2011, 11:40:31 PM
2%.
witch one
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 08, 2011, 11:41:04 PM
witch one

Fidelity AMEX and a Capital Business card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 08, 2011, 11:42:54 PM
Speak to your pops :P
so is it easier just to put in ssn#??
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 08, 2011, 11:45:41 PM
Capital Business card.

You mean Capital One, and are referring to their Spark Cash (http://www.capitalone.com/smallbusiness/cards/spark-cash/) card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 08, 2011, 11:45:53 PM
so is it easier just to put in ssn#??

Easier? I'm not sure what you're implying but it doesn't sound Kosher.

You mean Capital One, and are referring to their Spark Cash (http://www.capitalone.com/smallbusiness/cards/spark-cash/) card.

What that guy said.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 08, 2011, 11:51:47 PM
Easier? I'm not sure what you're implying but it doesn't sound Kosher.

Sole-Proprietorships don't mean much (compared to an EIN of an LLC), they're definitely more Kosher than an LLC of which the applicant isn't an officer, at least IMHO.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 08, 2011, 11:53:57 PM
Sole-Proprietorships don't mean much (compared to an EIN of an LLC), they're definitely more Kosher than an LLC of which the applicant isn't an officer, at least IMHO.

Right, but opening a card in the name of your father's business by using a SSN, after realizing you can't legally do it without his permission using the EIN is a bit... sketchy.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 08, 2011, 11:55:49 PM
so how do i go about with Sole-Proprietorship??
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 08, 2011, 11:56:37 PM
so how do i go about with Sole-Proprietorship??

Apply for a business card using your SSN and the name of your SP.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 08, 2011, 11:57:31 PM
Right, but opening a card in the name of your father's business by using a SSN, after realizing you can't legally do it without his permission using the EIN is a bit... sketchy.
no, if i could put in my ssn# by the tax ID, i don't have to put it on my fathers business.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 08, 2011, 11:58:16 PM
Right, but opening a card in the name of your father's business by using a SSN, after realizing you can't legally do it without his permission using the EIN is a bit... sketchy.

I didn't interpret "just to put in ssn#" that way.

Edit: And it seems I was right:

no, if i could put in my ssn# by the tax ID, i don't have to put it on my fathers business.

:D
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 08, 2011, 11:58:29 PM
thanks to all of you guys for helping me out
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 08, 2011, 11:58:46 PM
no, if i could put in my ssn# by the tax ID, i don't have to put it on my fathers business.

You can.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 09, 2011, 12:45:39 AM
You can.
what more good would it do for me? 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: WAM on November 09, 2011, 05:42:55 AM
Wow! It's gonna take hours to read this whole thread, but it'll prob. be worth it. I'll have to spread it out over some time. Thanks to all who contributed!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 09, 2011, 11:41:20 AM
Wow! It's gonna take hours to read this whole thread, but it'll prob. be worth it. I'll have to spread it out over some time. Thanks to all who contributed!

This is one of those threads due the length where I'd say, after skimming a bit, to feel free and ask a specific question. If it's answered already we (I?) can either answer or tell you that its been discussed already.  Happy hunting.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 09, 2011, 12:11:04 PM
what more good would it do for me? 

You're trying to get a business card, right? The SSN will work just fine for getting it. As far as business name, don't put down any name if you don't have papers to back it up. Just use your own name as the business name.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on November 09, 2011, 01:45:59 PM
I'm planning on doing a Chase 3BM soon. Just wanna double check my facts:
Are there anymore tips or info. I really haven't kept up with the 3BM threads, and it seems like too big of a headache to start reading through them now.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 09, 2011, 01:50:54 PM
  • It is unheard of to get instant approval

It's not unheard of, if they overwhelmingly want your business they'll approve you. It does however seem like (FWIU) that with co-brand cards even if they approve you for credit they'll (sometimes?) say pending until the co-brand link is set up.

If you have clean credit, state high income, and don't have to many cards with Chase or too many recent inquries/cards (with any bank), you stand a chance for instant approval.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on November 09, 2011, 01:51:20 PM
I think your right in both of your questions.

OT: Just got a targeted offer for $250 cash back for the Amex Blue cash. Don't see an offer code although I see a RSVP and POID code.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 09, 2011, 01:51:35 PM
I'm planning on doing a Chase 3BM soon. Just wanna double check my facts:
  • It is unheard of to get instant approval
  • I have to call recon
Are there anymore tips or info. I really haven't kept up with the 3BM threads, and it seems like too big of a headache to start reading through them now.

Incorrect on both counts. It is possible, and you may not have to.

You may want to consider freezing.

EDIT: Got beat.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 09, 2011, 01:59:54 PM
You may want to consider freezing.
Doesn't freezing create it's own list of headaches?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cashman on November 09, 2011, 02:11:43 PM
Applied for Freedom card and Continental card.  Chase denied me. Spoke to reconsideration. They say since I received a sapphire in June and southwest in August they can't give me more cards now. Do I have any options?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on November 09, 2011, 02:12:15 PM
Doesn't freezing create it's own list of headaches?
not if you play your cards right ;D
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 09, 2011, 02:14:07 PM
Doesn't freezing create it's own list of headaches?

Potentially, it has some downsides, but a lot of the risk can be minimized and the upside is good.

Applied for Freedom card and Continental card.  Chase denied me. Spoke to reconsideration. They say since I received a sapphire in June and southwest in August they can't give me more cards now. Do I have any options?

HUCA. (This time with a plan.)

not if you play your cards right ;D

+1
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on November 09, 2011, 02:14:16 PM
Applied for Freedom card and Continental card.  Chase denied me. Spoke to reconsideration. They say since I received a sapphire in June and southwest in August they can't give me more cards now. Do I have any options?

You can ask them to transfer credit over from the the sapphire and southwest to open the new cards
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 09, 2011, 02:19:31 PM
You can ask them to transfer credit over from the the sapphire and southwest to open the new cards

Ah, I'd assumed he already tried that when he "spoke to recon." But, if not, def try that, assuming you have enough of a CL to switch.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 09, 2011, 02:23:06 PM
Talk to both recon numbers.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cashman on November 09, 2011, 02:39:46 PM
Talk to both recon numbers.
Thanks alot dan. First I spoke to credit recon and they denied me for to many cards. I just got off the phone with application recon and they denied me bec. my credit file began in 09. To short of a period. Tried transferring credit. To low of a credit limit. Any other ideas?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 09, 2011, 02:41:42 PM
Thanks alot dan. First I spoke to credit recon and they denied me for to many cards. I just got off the phone with application recon and they denied me bec. my credit file began in 09. To short of a period. Tried transferring credit. To low of a credit limit. Any other ideas?
HUCA.
Offer to close other cards or lower credit limits.
Tell them why you want the card and how good of a client you are.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 09, 2011, 02:50:09 PM
Presidential Plus Card first year free (http://presidentialplus.com/vip)
 code: DFM5URF52N7
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cashman on November 09, 2011, 03:24:49 PM
HUCA.
Offer to close other cards or lower credit limits.
Tell them why you want the card and how good of a client you are.
Dan once again you are right. Called application recon again. And they pushed it through with a credit limit of 6 grand!!! Thank you.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 09, 2011, 06:19:39 PM
i did today chase ink bold, CO OP PP, citi aa visa, amex and 2 citi aa business with two different ein # the 2 citi personal was approved on the spot ink bold approved by recon with moving credit line they told to call back for the CO OP PP cuz they can' edit it now cuz they need to verify the company info on the app. they requested only the name no other info citi biz pending

1) whats the number for citi business app status and recon ?
2) can i still get the aa miles before 12/1/11 to count as 1MM ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 09, 2011, 09:10:30 PM
Dan once again you are right. Called application recon again. And they pushed it through with a credit limit of 6 grand!!! Thank you.
but did you close some cards to get approved , or just with this rep i went thru?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cashman on November 09, 2011, 11:56:39 PM
but did you close some cards to get approved , or just with this rep i went thru?
Did not have to close any cards. And did not have to transfer any credit. The rep put it right through.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 10, 2011, 12:41:52 AM
lucky you
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 10, 2011, 01:13:44 AM
Thanks guys. Just got a nice SM from Chase telling me that I'll get another 20K!

Just to update everyone, I sent SM's to Chase for another 4 people asking them to up the bonus form 30k to 50k and Chase awarded them all the extra 20k on first try! Thank you DansDeals! These were a mix of CO and UA cards. Note that AFAIK none of these people have ask Chase for bunoses before, which may explain why they all got a positive response on first try.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 10, 2011, 01:23:50 AM
Note that AFAIK none of these people have ask Chase for bunoses before, which may explain why they all got a positive response on first try.

I think that's typically tracked by account, not by customer. And even by account they don't keep a running tab, they just have it noted in your history/transaction logs along with everything else.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on November 10, 2011, 02:07:28 PM
I'm confused about chase freedom.... does it earn straight cash back?  or UR points that you can trade in for cash back?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on November 10, 2011, 02:10:13 PM
I'm confused about chase freedom.... does it earn straight cash back?  or UR points that you can trade in for cash back?

UR points. and if you know someone with either the sapphire preferred or ink bold they can transfer those points to airlines and hotels instead of cashback if you prefer
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on November 10, 2011, 02:12:28 PM
I was hoping for that.  I want to open a card with no annual fee to keep my UR points alive when I close my Sapphire card.  I don't want to downgrade to the non-preferred Sapphire because I want to be able to re-apply for Sapphire Preferred if future big bonuses come out.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: YudiG on November 10, 2011, 02:13:44 PM
I think that's typically tracked by account, not by customer. And even by account they don't keep a running tab, they just have it noted in your history/transaction logs along with everything else.

so if i just asked for and got a 20k bonus for the CO card, should I hold off from SM'ing them for an additional 20k for the UA card/marriott card?

how long does it take for the miles to post?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on November 10, 2011, 02:14:51 PM
I was hoping for that.  I want to open a card with no annual fee to keep my UR points alive when I close my Sapphire card.  I don't want to downgrade to the non-preferred Sapphire because I want to be able to re-apply for Sapphire Preferred if future big bonuses come out.

you can downgrade to the freedom if youd rather do that and save the app for a different card
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: asks on November 10, 2011, 02:19:32 PM
I was hoping for that.  I want to open a card with no annual fee to keep my UR points alive when I close my Sapphire card.  I don't want to downgrade to the non-preferred Sapphire because I want to be able to re-apply for Sapphire Preferred if future big bonuses come out.

don't close your sapphire pref until Jan when the +7% bonus gets added to your acct
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on November 10, 2011, 02:22:26 PM
you can downgrade to the freedom if youd rather do that and save the app for a different card

Good idea, I hadn't thought of that.

don't close your sapphire pref until Jan when the +7% bonus gets added to your acct

I plan on waiting till then,  thanks :)  In the meantime I think I'm going to close my CO card which has been open since February (and move the credit over to Sapphire) so I can try and re-apply before the year ends.  I want to get it one more time before they stop offering it entirely.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 10, 2011, 02:28:10 PM
so if i just asked for and got a 20k bonus for the CO card, should I hold off from SM'ing them for an additional 20k for the UA card/marriott card?

how long does it take for the miles to post?
No reason to hold off. Ask away.
The miles should post the next statement.
NOTE: You will need to use your card again in order to generate a statement. Otherwise, miles that they promise you will stay stuck in limbo until you use your card. Happened to me, so now I know.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: asks on November 10, 2011, 02:35:37 PM
anyone know why a 3BM for Chase biz cards shows as a credit pull on my personal report? only thing I can think of is that i had my SSN and listed biz as a sole prop.

Does that make sense?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on November 10, 2011, 02:50:04 PM
anyone know why a 3BM for Chase biz cards shows as a credit pull on my personal report? only thing I can think of is that i had my SSN and listed biz as a sole prop.

Does that make sense?
It's probably because they pull your personal report even when you apply for business cards
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on November 10, 2011, 02:51:08 PM
AFAIK they always do a pull even for biz with a tin just to see if you're credit worthy but the balance and available credit aren't reported
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 10, 2011, 03:56:09 PM
AFAIK they always do a pull even for biz with a tin just to see if you're credit worthy but the balance and available credit aren't reported

+1

AFAIK you're personally liable for a business CC, even if you use an LLC.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on November 10, 2011, 04:08:01 PM
so if i just asked for and got a 20k bonus for the CO card, should I hold off from SM'ing them for an additional 20k for the UA card/marriott card?

how long does it take for the miles to post?
No, each card is a different account.

It should post on your next statement IIRC.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on November 10, 2011, 04:09:13 PM
+1

AFAIK you're personally liable for a business CC, even if you use an LLC.
Yup, as a general rule of thumb that's correct. There are of course exceptions. If you've  got a good Dunn and Bradstreet credit report for your business, as well as very high business income, you can get approved for a card or credit line with no personal guarantee.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: YudiG on November 10, 2011, 04:38:39 PM
No, each card is a different account.

It should post on your next statement IIRC.

thx, i went ahead w/ the UA card...we'll see what happens and then I'll ask for 30k for the Marriott card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 10, 2011, 05:26:23 PM
AFAIK you're personally liable for a business CC, even if you use an LLC.

Something tell me that isn't true unless there are extenuating circumstances, e.g. commingling of funds.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 10, 2011, 06:08:01 PM
Yup, as a general rule of thumb that's correct. There are of course exceptions. If you've  got a good Dunn and Bradstreet credit report for your business, as well as very high business income, you can get approved for a card or credit line with no personal guarantee.

Right, but those aren't the norm, they're the exception.

Something tell me that isn't true unless there are extenuating circumstances, e.g. commingling of funds.

I don't think so. You can ask next time you apply.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 10, 2011, 06:15:39 PM
I don't think so. You can ask next time you apply.

You'd only be liable if, in your CC T&C, you agreed to/signed a personal guarantee. Generally, though, an LLC would protect you (again, unless there was something that compelled piercing the corporate veil).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 10, 2011, 06:45:22 PM
You'd only be liable if, in your CC T&C, you agreed to/signed a personal guarantee. Generally, though, an LLC would protect you (again, unless there was something that compelled piercing the corporate veil).

Amex business (not corporate) cards have the following terms:

Quote from: Amex biz app T&C
By submitting this application, you, as an individual and the Authorizing Officer of the Company, (a) are requesting us to open an Account in the name of the Company, (b) are requesting that we issue Card(s) as you direct, (c) are agreeing to be jointly and severally liable with the Company for all charges to the account, and (d) are REPRESENTING THAT ALL CARD(S) ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES.

I imagine other issuers have similar terms, Amex was the first I checked. I think this is the norm, LLC or not. How a court would interpret this is another story.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 10, 2011, 06:51:32 PM
Amex business (not corporate) cards have the following terms:

I imagine other issuers have similar terms, Amex was the first I checked. I think this is the norm, LLC or not. How a court would interpret this is another story.

Good find. It seems at least possible that a court may find this to be a personal guarantee.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on November 10, 2011, 07:30:41 PM
Good find. It seems at least possible that a court may find this to be a personal guarantee.

Amex business (not corporate) cards have the following terms:
By submitting this application, you, as an individual and the Authorizing Officer of the Company, (a) are requesting us to open an Account in the name of the Company, (b) are requesting that we issue Card(s) as you direct, (c) are agreeing to be jointly and severally liable with the Company for all charges to the account, and (d) are REPRESENTING THAT ALL CARD(S) ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES.
I imagine other issuers have similar terms, Amex was the first I checked. I think this is the norm, LLC or not. How a court would interpret this is another story.

It is definitely intended as such. They all make it quite difficult to get a NPG card. For those that do want one, it is usually advisable to start with a NPG line of credit at a retailer such as Staples, Quill, Home Depot, or the like. Those retailers will generally want at least 2 million in revenue. If you meet those criteria and get those lines, it is possible to start thinking about getting a NPG card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 10, 2011, 07:32:39 PM
It is definitely intended as such.

But does it work...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on November 10, 2011, 07:37:31 PM
But does it work...
See Joint and Several Liability (http://en.wikipedia.org/wiki/Joint_and_several_liability)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on November 10, 2011, 07:42:00 PM
i came across this. dont how reliable it is
http://www.nolo.com/legal-encyclopedia/business-debts-personal-liability-29905.html

http://www.expertlaw.com/forums/showthread.php?t=130718
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 10, 2011, 08:45:25 PM
See Joint and Several Liability (http://en.wikipedia.org/wiki/Joint_and_several_liability)

Thanks, I had no idea what that meant  ::)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 10, 2011, 08:56:26 PM
Good find. It seems at least possible that a court may find this to be a personal guarantee.

I think this is standard for the biz cards us churners get approved for (often as sole proprietors).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on November 10, 2011, 09:49:33 PM
whats the best biz card to get for s/o spending 100k a year 40k on travel and 60k on other should i do 2% acrooss the board or take one with x3(/x4/x5 if available) on travel and 1 point for rest ? i was told chase has a 5% on travel does anyone know of this
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 10, 2011, 10:03:40 PM
whats the best biz card to get for s/o spending 100k a year 40k on travel and 60k on other should i do 2% acrooss the board or take one with x3(/x4/x5 if available) on travel and 1 point for rest ? i was told chase has a 5% on travel does anyone know of this
Has to be biz?
Otherwise put the travel on Sapphire and everything else on Ink Bold with checking.
Title: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on November 10, 2011, 10:09:17 PM
Thanks, I had no idea what that meant  ::)
Welcome. :)
 Also, note that despite some states restricting this with regard to Tort law, credit cards would presumably be included in contract law.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 11, 2011, 11:52:48 AM
Busy night:

(http://i40.tinypic.com/2cgm00j.png)

Thanks for posting this, Chaikel (though I would've seen it elsewhere). 136k MR, here I come :D

Approved for the MB 50k offer on 11/4/ early AM, got the card on 11/6 or 11/7, spend $1k that night, points posted yesterday (11/10). 50k MR within a week, easiest 50k ever! FTW!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on November 11, 2011, 12:04:07 PM
....easiest $50k ever! FTW!

It's a good thing you're not responsible for typographical errors ;)  I wonder who'd pay $50k for 50k MR points!  That's a dollar per point!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 11, 2011, 12:09:31 PM
It's a good thing you're not responsible for typographical errors ;)  I wonder who'd pay $50k for 50k MR points!  That's a dollar per point!

:D Thanks for the correction. I'm just grateful to be out of the red, as I did a huge MR advance to transfer to CO before 9/30.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on November 11, 2011, 12:24:52 PM
So I (really my wife) now have 86k MR points.  We never had any MR points before this and all our miles are in CO (about 400k) except for about 150k starpoints.  Is it sometimes possible to transfer from MR to Starwood?  and is it ever a good deal?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 11, 2011, 12:28:25 PM
So I (really my wife) now have 86k MR points.  We never had any MR points before this and all our miles are in CO (about 400k) except for about 150k starpoints.  Is it sometimes possible to transfer from MR to Starwood?  and is it ever a good deal?

You can always transfer MR to starpoints at a 3:1 ratio (1k MR = 333 SPG), they're currently* offering 25% off so it's 750 MR = 333 SPG, but still not worth it IMHO.

*until 12/31/2011
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 11, 2011, 02:18:55 PM
Approved for the MB 50k offer on 11/4/ early AM, got the card on 11/6 or 11/7, spend $1k that night, points posted yesterday (11/10). 50k MR within a week, easiest 50k ever! FTW!


I drive an old Benz in NYC . Is there a link for the card? I have 3 Amex cards now . Got last 2 in last 3 months . Why would I tell them I need this ?
Repairs would be easy to meet any spend f I brought it to dealer to fix  ;D
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 11, 2011, 02:24:23 PM
I drive an old Benz in NYC . Is there a link for the card? I have 3 Amex cards now . Got last 2 in last 3 months . Why would I tell them I need this ?
Repairs would be easy to meet any spend f I brought it to dealer to fix  ;D

There's a thread for this card, try a search. You can probably get the card if you have good credit/income. Spend requirement is only $1k and you can spend it anywhere Amex is accepted.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 11, 2011, 02:46:30 PM
I already have the Personal platinum for over 15 years.

I think I will be trimming the fat on my annual fees soon. Also Have the gold PRG AND Gold Biz.

Prolly gonna drop to gold only, when fees become due. Maybe plat will waive annual fee after all
these years , but I don't think so.

Getting frugal and more demanding from my CC s thx to guys like you.

Also flying Biz class for free so I don't need platinum lounge access. I am learning !  :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: 123ablack on November 12, 2011, 10:30:29 PM
Here's a chase reallocation for u
I got my 3rd swa card (wife and i together) i have numerous cards from chase (CO, UA mariott hyatt saphirre pref. freedom)
CSR: bec. u have over $30,000

Did u do this via Secure Measage?or you're just quoting the phone chat you had with Recon?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on November 12, 2011, 10:32:16 PM
Quote
just quoting the phone chat had with Recon
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: YG on November 12, 2011, 10:37:25 PM
Here's a chase reallocation for u
I got my 3rd swa card (wife and i together) i have numerous cards from chase (CO, UA mariott hyatt saphirre pref. freedom)

3 of the same card?  on the same occassion?
i tried that by 3BM lst week, and obviously got two denied as duplicates.  If i could get more approved, id love the miles.  I wasnt liking the chances, but if you did it.......

-Delta Gold, (http://www.dansdeals.com/go/deltaamex/) 25,000 miles for spending $1 and adding 2 cardholders.  Free checked luggage on Delta. $99 annual coach companion ticket. No fee first year.

I just got a delta gold AmEx.  Id like the 25k miles (DUH!) but dont really have anyone to add as card holders.  I have siblings that i can trust, but.............
Can i sign up 2 users then cancel the cards once the miles post?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Devorah on November 13, 2011, 12:45:20 AM
-Delta Gold, (http://www.dansdeals.com/go/deltaamex/) 25,000 miles for spending $1 and adding 2 cardholders.  Free checked luggage on Delta. $99 annual coach companion ticket. No fee first year.

-Delta Platinum, (http://www.dansdeals.com/go/deltaplat/) 25,000 miles and 5,000 MQMs for spending $1 and adding 2 cardholders.  Free checked luggage on Delta. Free annual coach companion ticket.  Up to 20,000 MQMs annually based on spending.


Does this offer still exist?  The link takes you to another offer.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: 123ablack on November 13, 2011, 01:39:20 AM
Anyone with an idea how to find out the appIDs that I applied for on Friday the 11th?

Seems like getting them via source page won't work for me.. Called in chase credit card services but apparently the do not have access to the ID numbers.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 14, 2011, 05:30:57 AM
I already have the Personal platinum for over 15 years.

I think I will be trimming the fat on my annual fees soon. Also Have the gold PRG AND Gold Biz.

Prolly gonna drop to gold only, when fees become due. Maybe plat will waive annual fee after all
these years , but I don't think so.

Getting frugal and more demanding from my CC s thx to guys like you.

Also flying Biz class for free so I don't need platinum lounge access. I am learning !  :)

I just pulled the trigger via SM and told Amex to post the 20k points from a promo ( that I don't  think they will ) or cancel my plat card and refund my prorata annual fee.
I will apply for MB plat after the cancellation
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on November 14, 2011, 07:26:05 PM
any good promo for citi biz other than the 50k aa?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on November 14, 2011, 08:15:06 PM
When you sign up for business card do they do a hard pull with your personal social or just with the ein?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 14, 2011, 08:23:44 PM
Yes.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on November 14, 2011, 08:41:07 PM
Yes.
yes to social or ein?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on November 14, 2011, 08:47:40 PM
Go to the Ultimate Rewards site. On the left side it will say "Manage Ultimate Rewards". Click on that and you should see the option to combine points.
any one ever have an issue combining Ink UR with sapphire UR
i keep getting an error message when i try but all acct details match
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 14, 2011, 09:33:13 PM
yes to social or ein?

Social.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on November 14, 2011, 10:04:38 PM
Social.

thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on November 14, 2011, 10:53:48 PM
dan on the spg per app it doesnt say anything about 15k after 5k spend
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 14, 2011, 10:59:39 PM
dan on the spg per app it doesnt say anything about 15k after 5k spend

You need to clear cache/cookies or browse incognito.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 14, 2011, 10:59:54 PM
Added Citi Premier 50K card to OP.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: YG on November 14, 2011, 11:19:00 PM
Does 3BM habe to be davkah 3 different browserw (eg IE, chrome, and FF)?  shouldn't it also work if its three windows of the same browser as long as all the apps are just about simultaneous?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 14, 2011, 11:20:47 PM
Does 3BM habe to be davkah 3 different browserw (eg IE, chrome, and FF)?  shouldn't it also work if its three windows of the same browser as long as all the apps are just about simultaneous?

The most success comes from three different browsers. I think something with the cookies gets messed up when three different tabs which messed up your chances (or something like that).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: SPLP on November 15, 2011, 02:31:42 AM
data point --On chase ---got 3 chase cards apprvd ( 2 south west 50k an freedom ) -applied all three same day Nov 10 -- Last chase cards 2 in july  and 2 in june ---

also apprvd amx Nov 10 Mercedes B.- 50K --LAST AMEX 3 July

The 3 Chase cards this month --when i called  to check status --rep told me Chase policy only 2 cards in 30 days ----reps will only cause concern on your part --they do not know many many things

also on the freedom and so west had to move credit around --yet -- on the so west biz that was approved ("after" the  2 pers. cards --they gave me adt'l 10k )-- to --go figure!!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 15, 2011, 02:44:54 AM
data point --On chase ---got 3 chase cards apprvd ( 2 south west 50k an freedom ) -applied all three same day Nov 10 -- Last chase cards 2 in july  and 2 in june ---

also apprvd amx Nov 10 Mercedes B.- 50K --LAST AMEX 3 July

The 3 Chase cards this month --when i called  to check status --rep told me Chase policy only 2 cards in 30 days ----reps will only cause concern on your part --they do not know many many things

also on the freedom and so west had to move credit around --yet -- on the so west biz that was approved ("after" the  2 pers. cards --they gave me adt'l 10k )-- to --go figure!!

Nicely done!

So how many cards (in total) do you have active with Chase? Seven?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: SPLP on November 15, 2011, 03:00:34 AM
Nicely done!

So how many cards (in total) do you have active with Chase? Seven?

 

Thanks--- I have Nine --BA, Sapphire, (20 year) old untd ),Hyatt, Ink BIZ,--plus the 3 new above -- they did ask --why need so many
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 15, 2011, 03:24:55 AM


Thanks--- I have Nine --BA, Sapphire, (20 year) old untd ),Hyatt, Ink BIZ,--plus the 3 new above -- they did ask --why need so many

Impressive.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 15, 2011, 05:43:58 AM


Thanks--- I have Nine --BA, Sapphire, (20 year) old untd ),Hyatt, Ink BIZ,--plus the 3 new above -- they did ask --why need so many


Bravo. Way to go. BTW What did you answer  to the question of needing so many cards ?

On another note if I use 2 browser method from 2 different computers on same ISP for the Chase Ink Bold and the MB plat any shot it will show as one pull. Even if it shows as 2 any advantage to doing it that way.

Just cancelled my Amex plat yesterday and going for those 2 using Dans links when I try
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 15, 2011, 07:43:21 AM
On another note if I use 2 browser method from 2 different computers on same ISP for the Chase Ink Bold and the MB plat any shot it will show as one pull. Even if it shows as 2 any advantage to doing it that way.

2/3BM is for different cards from the same issuer.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 15, 2011, 08:53:23 AM
data point --On chase ---got 3 chase cards apprvd ( 2 south west 50k an freedom ) -applied all three same day Nov 10 -- Last chase cards 2 in july  and 2 in june ---

also apprvd amx Nov 10 Mercedes B.- 50K --LAST AMEX 3 July

The 3 Chase cards this month --when i called  to check status --rep told me Chase policy only 2 cards in 30 days ----reps will only cause concern on your part --they do not know many many things

also on the freedom and so west had to move credit around --yet -- on the so west biz that was approved ("after" the  2 pers. cards --they gave me adt'l 10k )-- to --go figure!!
2 the same cards in one day, i tried doing 2 chase sapphire preferred only got approved one,   
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 15, 2011, 09:51:22 AM
Even if it shows as 2 any advantage to doing it that way.

Yes. Each issuer will likely not see both pulls when evaluating your application, a big plus.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: SPLP on November 15, 2011, 09:55:18 AM
2 the same cards in one day, i tried doing 2 chase sapphire preferred only got approved one,


one so west was biz --but same s.s.#was used
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: SPLP on November 15, 2011, 10:04:44 AM
Peter
"BTW What did you answer  to the question of needing so many cards ? "

told them want to keep my  biz exp separate from pers exp RE 2 so west cards & ink card --- also told them i love chase service and now after i get these cards i will have moved most of my spending from AMEX to chase ,  chase has some some terrific tie ins with the ink / freedom/sapphire and  and a chase checking account that i have for 20 years - need my hyatt when i trvl need my sapphire when i am out of the country as no exchange fee etc
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 15, 2011, 10:17:58 AM
Yes. Each issuer will likely not see both pulls when evaluating your application, a big plus.

Then thats what i will do after first checking with Amex MR re eligibility

And I will use SPLP answer if/when asked by chase !  ;)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 16, 2011, 11:53:11 AM
When calling Chase recon for a 3BM, is it recommended to call in for each card separately, or if I have a rep who just approved one app, then might as well ask them if they can reconsider a second (and third)?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 16, 2011, 11:53:48 AM
Is this from a freezing 3BM?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 16, 2011, 11:56:12 AM
Is this from a freezing 3BM?
No. No freezing involved.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 16, 2011, 11:59:54 AM
Then, presumably, the reports have already been pulled and calling back a few times should not make any difference. I find it exponentially harder to push through a second app on the second phone call, but I've done it.

In the case of freezing though, IME, each new call results in a new hard pull, so I'd endeavor to get them pushed through on the same call.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 16, 2011, 12:03:40 PM
Interesting. Thanks.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: SPLP on November 16, 2011, 12:09:44 PM
When calling Chase recon for a 3BM, is it recommended to call in for each card separately, or if I have a rep who just approved one app, then might as well ask them if they can reconsider a second (and third)?

I called in the other day. did not have app# -- gave s.s.#--- he saw all 3 applications -- told me all in pending -- gave me app#--- made comment -- "chase only allows 2 cards in 30 days" -- u know the ending --got all 3 apprvd --- why does everyone worry about "they will see" if ur credit is ok why would they not want to approve , i assume at chase the right hand knows what the left hand is doing and can not fool them on credit worthiness
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 16, 2011, 12:26:38 PM


Thanks--- I have Nine --BA, Sapphire, (20 year) old untd ),Hyatt, Ink BIZ,--plus the 3 new above -- they did ask --why need so many
thats 8
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 16, 2011, 12:33:08 PM
Then, presumably, the reports have already been pulled and calling back a few times should not make any difference. I find it exponentially harder to push through a second app on the second phone call, but I've done it.

Even for one card it should make a difference because the previous call(s) might generate notes advising against approval.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: YG on November 16, 2011, 01:03:35 PM

When you do so you typically will only get 1 credit hit regardless of how many cards you apply for.
It also increases your odds of getting instantly improved for multiple cards as opposed to applying for multiple cards at separate times.

...approved?  ;)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 16, 2011, 01:05:13 PM
Yes. Each issuer will likely not see both pulls when evaluating your application, a big plus.


Thanks. I thought I read something like that somewhere in FT .
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 16, 2011, 01:25:19 PM
Even for one card it should make a difference because the previous call(s) might generate notes advising against approval.

But, if you don't succeed, the notes of that first call now show you trying to push through two (or more) cards, instead of just one.

Rock and a hard place.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yaakov s on November 17, 2011, 02:01:00 PM
This link in the first post for the Southwest http://www.dansdeals.com/go/swa/ doesnt work  :o . I think it and the info next to it should be updated.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: SPLP on November 17, 2011, 02:08:30 PM
thats 8

 :o TKS ---sorry left off  the co  biz card
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on November 17, 2011, 03:02:44 PM
I am looking ahead to plan my next round of apps (to take place in 30-60 days).  Can anyone explain what this means:

"Last seat EasyPass award avaialbility with card"

I saw it under the Chase CO Onepass Card in the first post.  Does that mean you can always use easypass awards to book a flight as long as there is an open seat?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 17, 2011, 03:09:30 PM
Anyone know if the Ink Bold is a NPSL card or an actual charge card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 17, 2011, 03:11:46 PM
Anyone know if the Ink Bold is a NPSL card or an actual charge card?
Charge card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 17, 2011, 03:12:55 PM
Charge card.

Excellent, thanks for prompt reply.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 17, 2011, 11:46:05 PM
Charge card.
so what is the credit line i have on it
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 18, 2011, 02:22:15 AM
so what is the credit line i have on it

AFAIK there is no CL on a charge card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on November 18, 2011, 07:34:48 AM
AFAIK there is no CL on a charge card.
Amex will sometimes limit their charge card after an FR, but the general rule is no limit
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on November 18, 2011, 07:41:19 AM
Anyone know if the Ink Bold is a NPSL card or an actual charge card?

Excuse my ignorance but what's the difference?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 18, 2011, 09:49:07 AM
Amex will sometimes limit their charge card after an FR, but the general rule is no limit

Yes, that I've seen all over the FR discussions.
Also, if you suddenly go out of your normal spending patterns, it's a sure way to get FR'ed, even though it's a charge card with no limit.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 18, 2011, 10:10:12 AM
Excuse my ignorance but what's the difference?
NP. You're permitted to leave a balance on a Credit card, not a charge card. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 18, 2011, 10:58:32 AM
NP. You're permitted to leave a balance on a Credit card, not a charge card.

That's one difference. And even that is not set in stone. The other, perhaps more important difference, is that there is no official spending limit with a charge card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DovidR on November 18, 2011, 12:47:37 PM
That's one difference. And even that is not set in stone. The other, perhaps more important difference, is that there is no official spending limit with a charge card.
...which means that utilization doesn't matter?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 18, 2011, 12:49:16 PM
...which means that utilization doesn't matter?

Wow, this question keeps coming up. The answer is no, IME. The highest ever balance is reported as the CL.

If anyone has a different experience, please pipe up.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 18, 2011, 02:30:19 PM
What if I just tested the waters on my Amex platinum and requested a 20,000 spend?

I did this once just to see , and it was approved. Does this mean that 20k would show up on my score .
I don't remember spending more than 10K  or 12 K at any other time .
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 19, 2011, 09:31:53 PM
What if I just tested the waters on my Amex platinum and requested a 20,000 spend?

I did this once just to see , and it was approved. Does this mean that 20k would show up on my score .
I don't remember spending more than 10K  or 12 K at any other time .

I'm not entirely sure what you're asking, but no.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: boruch on November 21, 2011, 05:03:38 PM
from OP:
Chase Consumer cards:
-Continental, 30K miles for spending $1 and adding an additional cardholder. Free checked luggage on Continental and United. Free Priority boarding with card.  Non-expiring miles with card.  Last seat EasyPass award avaialbility with card. Free primary Car Rental CDW. 2 annual lounge passes.  $2 in-flight LiveTV and Premium Drink discount. 10K bonus miles for spending $25K annually. Comp upgrades for elite cardholders on award tickets. Double miles for Continental and United purchases. No fee first year.
-You can try sending a secure message to Chase after getting the card to ask for 50K miles.


Is the 50K a specific offer (code?!) I need to mention or just the regular story?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 21, 2011, 05:49:25 PM
from OP:
Chase Consumer cards:
-Continental, 30K miles for spending $1 and adding an additional cardholder. Free checked luggage on Continental and United. Free Priority boarding with card.  Non-expiring miles with card.  Last seat EasyPass award avaialbility with card. Free primary Car Rental CDW. 2 annual lounge passes.  $2 in-flight LiveTV and Premium Drink discount. 10K bonus miles for spending $25K annually. Comp upgrades for elite cardholders on award tickets. Double miles for Continental and United purchases. No fee first year.
-You can try sending a secure message to Chase after getting the card to ask for 50K miles.


Is the 50K a specific offer (code?!) I need to mention or just the regular story?

No code. Just ask to be matched to the previous targeted offer of 50k.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: boruch on November 21, 2011, 06:33:22 PM
Thanks.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 21, 2011, 09:51:25 PM
AFAIK there is no CL on a charge card.
they gave me a CL
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 21, 2011, 10:45:32 PM
they gave me a CL

On what card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 21, 2011, 10:54:51 PM
On what card?
INK BOLD
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 21, 2011, 11:12:02 PM
INK BOLD

You have a listed CL?

Does anyone else?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on November 21, 2011, 11:13:46 PM
I have for the sapphire preferred.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 21, 2011, 11:17:05 PM
You have a listed CL?
No CL listed online for me for IB, but all charge cards do have an unpublished limit where they cut you off based on your spending activity.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 21, 2011, 11:19:04 PM
I have for the sapphire preferred.

Not a charge card.

No CL listed online for me for IB, but all charge cards do have an unpublished limit where they cut you off based on your spending activity.

Of course, but I never saw a charge card with a listed CL, hence my incredulity.

In fact, that's the entire reason I asked above if it was a NPSL or charge.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 21, 2011, 11:52:23 PM
Not a charge card.

Of course, but I never saw a charge card with a listed CL, hence my incredulity.

In fact, that's the entire reason I asked above if it was a NPSL or charge.
what do you mean its not a charge card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 21, 2011, 11:59:10 PM
what do you mean its not a charge card?

It's a credit card, not a charge card. Does that answer your question?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on November 22, 2011, 12:00:41 AM
isn't a charge card a cc that has an annual fee?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 22, 2011, 12:01:09 AM
isn't a charge card a cc that has an annual fee?

::)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on November 22, 2011, 12:02:33 AM
::)

You held out for awhile. I was surprised you were quiet for so long today  :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 22, 2011, 12:03:19 AM
::)

@gevaldig - what he said.

isn't a charge card a cc that has an annual fee?

To put it mildly, that'd be incorrect. Both credit and charge cards can have annual fees. Google for further differences and similarities.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 22, 2011, 12:04:54 AM
You held out for awhile. I was surprised you were quiet for so long today  :P

It's been a busy day.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on November 22, 2011, 12:07:43 AM
My ink bold has a limit
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 22, 2011, 12:08:08 AM
My ink bold has a limit
Listed online?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sim on November 22, 2011, 08:47:37 AM
Listed online?
yes, i have a limit lised online
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 22, 2011, 09:12:39 AM
No CL listed online for me for IB, but all charge cards do have an unpublished limit where they cut you off based on your spending activity.
when recon approved my IB they told me they can only approve it if i move credit from my personal card and that will be my credit line
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 22, 2011, 10:59:30 AM
yes, i have a limit lised online
Weird, my IB does not.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 22, 2011, 11:06:35 AM
I wonder if this means that IB is really NPSL?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 22, 2011, 11:37:42 AM
Weird, my IB does not.

+1
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on November 22, 2011, 01:05:26 PM
when recon approved my IB they told me they can only approve it if i move credit from my personal card and that will be my credit line
+1

but still

Weird, my IB does not.
+1
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 22, 2011, 01:14:08 PM
I just called to push the approval denial process along. Was put through to
A specialist who asked about 15 questions type of biz previous years sales etc.

He approved via phone and asked would 10 k CL be Ok . I wanted to tell him 5  k
Would be OK IF he doubled the 50 K sign up bonus.

I don't know if it will show up in my accounts , but for a Data Point there is a set CL on
Some Chase Ink Bold Biz cards

That's 3 cards in 7 weeks .Whats my next move

Thanks guys for your inspiration  :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sim on November 22, 2011, 04:20:13 PM
yes, i have a limit lised online
mistake not listed online, but when i got approved they told me  $5000 cl
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 22, 2011, 06:47:33 PM
mistake not listed online, but when i got approved they told me  $5000 cl

Interesting... it seems that Chase gives a CL for even their charge cards and for those who didn't have to xfer some CL over, they, too, have a CL, but not a visible one.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on November 22, 2011, 07:12:27 PM
And if there is a CL to charge cards it shall be assumed that you can move it around if needed?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: boruch on November 22, 2011, 07:25:20 PM
from OP:
Chase Consumer cards:
-Continental, 30K miles for spending $1 and adding an additional cardholder. Free checked luggage on Continental and United. Free Priority boarding with card.  Non-expiring miles with card.  Last seat EasyPass award avaialbility with card. Free primary Car Rental CDW. 2 annual lounge passes.  $2 in-flight LiveTV and Premium Drink discount. 10K bonus miles for spending $25K annually. Comp upgrades for elite cardholders on award tickets. Double miles for Continental and United purchases. No fee first year.
-You can try sending a secure message to Chase after getting the card to ask for 50K miles.


Is the 50K a specific offer (code?!) I need to mention or just the regular story?

No code. Just ask to be matched to the previous targeted offer of 50k.

Thanks! just got matched trough SM.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 22, 2011, 07:37:18 PM
-Delta Gold Business, was 25K, now 30K.
-Ink Bold 50K: Offer ends approx 11/27-11/28.
-AMEX Business Gold:  Offer ends approx 11/27-11/28.
-Continental OnePass Plus: End of life in expected in December.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on November 22, 2011, 07:58:06 PM
Any upcoming offers?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 22, 2011, 08:46:07 PM
-Ink Bold 50K: Offer ends approx 11/27-11/28.
-AMEX Business Gold:  Offer ends approx 11/27-11/28.

Competing offers* ending at the same time, eh?...


*) competing cards anyway

Any upcoming offers?

I don't think he's allowed to tell you...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 22, 2011, 08:54:09 PM
Competing offers* ending at the same time, eh?...
Yup, planned without a doubt.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on November 22, 2011, 10:04:42 PM

I don't think he's allowed to tell you...

He has in the past..
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 23, 2011, 01:01:32 PM

Chase Consumer cards:
-Marriott, (http://www.dansdeals.com/go/marriott/) 30K bonus points and 2 free cat. 1-4 night certificate for spending $1. 10 night elite credit. No fee first year.

-Marriott Premier, (http://www.dansdeals.com/go/marriottpremier/) 50K bonus points and free cat. 1-4 night certificate for spending $1. Annual free cat. 1-5 night certificate. 15 night elite credit. No Forex fee. No fee first year.

how many points we need for a Marriott cat. 1-4 night
the premier gives only 20k more points and 1 free night
what is the minimum CL for this 2 cards

is there a minimum CL for the CO and UA card ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yakovwogi on November 28, 2011, 09:42:17 AM
Not sure where this info should go but wanted to let y'all know about something that chase just did and I have never seen.

I applied for the Ink Bold Business Card,
Was pending approval for about two weeks.

This morning I noticed my credit limit on one of my personal cards had been reduced by $5000.
I called the app status 800 number and lo and behold:
"Congrats, you have been approved for the Ink Bold Business"
I have never had them proactively seek a solution for opening a new card, but I am not complaining at all:)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 28, 2011, 09:44:35 AM
Not sure where this info should go but wanted to let y'all know about something that chase just did and I have never seen.

I applied for the Ink Bold Business Card,
Was pending approval for about two weeks.

This morning I noticed my credit limit on one of my personal cards had been reduced by $5000.
I called the app status 800 number and lo and behold:
"Congrats, you have been approved for the Ink Bold Business"
I have never had them proactively seek a solution for opening a new card, but I am not complaining at all:)

I find that truly surprising. Do you see the new Bold with a $5K line?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 09:48:03 AM
Not sure where this info should go but wanted to let y'all know about something that chase just did and I have never seen.

I applied for the Ink Bold Business Card,
Was pending approval for about two weeks.

This morning I noticed my credit limit on one of my personal cards had been reduced by $5000.
I called the app status 800 number and lo and behold:
"Congrats, you have been approved for the Ink Bold Business"
I have never had them proactively seek a solution for opening a new card, but I am not complaining at all:)

I've never seen it before, glad you got approved. If you don't mind sharing, how much was the original CL?

p.s. you posted in the right thread, thanks for not starting a new one :) (that's one of my pet-peeves here)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 28, 2011, 09:53:56 AM
I've had this happen to me at Citi (and perhaps BOFA too).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 28, 2011, 10:00:36 AM
I've had this happen to me at Citi (and perhaps BOFA too).

That seems like a ridiculous practice.

I can very easily see someone charging beyond their credit limit because they had no idea it was reduced unilaterally.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 28, 2011, 10:03:16 AM
Though Citi did let me know shortly after. IIRC, I think they first tried reaching me by phone, and when they couldn't reach me, they did it proactively. I sure was happy with that...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 10:05:00 AM
That seems like a ridiculous practice.

I can very easily see someone charging beyond their credit limit because they had no idea it was reduced unilaterally.

They'll probably send a letter. I agree I'd prefer they didn't do it unilaterally, but better than a rejection (via recon).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 28, 2011, 10:05:29 AM
My first year free with the AMEX PRG has ended.

Do I need to be concerned about closing an AMEX the same way I need to be concerned with closing a Chase card? In other words, should I apply for more AMEX's before closing this to exchange the "credit line?"

They'll probably send a letter. I agree I'd prefer they didn't do it unilaterally, but better than a rejection (via recon).

I guess that depends on your goal. I guess most DDF'ers would agree with you, but I can see it wreaking havoc on a person who didn't sign up for the sign-up bonus and depends on his/her CL.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 10:10:33 AM
My first year free with the AMEX PRG has ended.

Do I need to be concerned about closing an AMEX the same way I need to be concerned with closing a Chase card? In other words, should I apply for more AMEX's before closing this to exchange the "credit line?"

I don't think so, isn't it a charge card (so no CL for leverage)? Also IME Amex has been quicker to approve (compared to Chase), YMMV.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 28, 2011, 10:10:55 AM
but I can see it wreaking havoc on a person who didn't sign up for the sign-up bonus and depends on his/her CL.

No doubt. Chase is already known for doing such things. They take action first, notify the customer (or ask questions) later.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 28, 2011, 10:14:54 AM
I don't think so, isn't it a charge card (so no CL for leverage)? Also IME Amex has been quicker to approve (compared to Chase), YMMV.

Yeah, it is a charge card, I was just wondering if, after applying for (a) new card(s), they'd approve me more easily if I agreed to close one existing account with them.

And as far as AMEX vs Chase and ease of approval, I agree 100%. I have a much longer history with AMEX and a much larger amount of credit, so I've never had any problem with AMEX approving me. Just thought I run it by you guys to make sure I covered my bases before closing the PRG.

No doubt. Chase is already known for doing such things. They take action first, notify the customer (or ask questions) later.

Great way to run a business. I can't believe this kind of stuff still happens with EECBs and Social Media.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 10:16:10 AM
Yeah, it is a charge card, I was just wondering if, after applying for (a) new card(s), they'd approve me more easily if I agreed to close one existing account with them.

I'm not sure. With my Amex experience I wouldn't worry about it too much, especially since I have enough Amex cards I wouldn't mind closing.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 28, 2011, 10:18:37 AM
I'm not sure. With my Amex experience I wouldn't worry about it too much, especially since I have enough Amex cards I wouldn't mind closing.

+1, me too. Is the best AMEX offer the 50K AMEX MB running around? Any other enticing offers? Been watching Chase so much I've kind of neglected AMEX (especially after pillaging them with matches).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: good sam on November 28, 2011, 10:25:47 AM
Dan, why not include MB Plat in the OP?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 10:27:03 AM
+1, me too. Is the best AMEX offer the 50K AMEX MB running around? Any other enticing offers? Been watching Chase so much I've kind of neglected AMEX (especially after pillaging them with matches).

There's also a few 50k vanilla Plat links, and the 75k biz gold (with $10k spend) might still be live.

Dan, why not include MB Plat in the OP?

Methinks the OP is for DDF links, please use those when possible to support the site.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 28, 2011, 10:28:48 AM
There's also a few 50k vanilla Plat links, and the 75k biz gold (with $10k spend) might still be live.

Yeah, I have the vanilla Plat already and the Biz gold.

Got 100K for the former and ~150K for the latter (with AUs).

So I guess the AMEX Plat MB is the only one worth applying for? (Also, just to confirm, one can have the MB Plat and the vanilla Plat concurrently, right?)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 10:31:15 AM
Yeah, I have the vanilla Plat already and the Biz gold.

Got 100K for the former and ~150K for the latter (with AUs).

So I guess the AMEX Plat MB is the only one worth applying for? (Also, just to confirm, one can have the MB Plat and the vanilla Plat concurrently, right?)

Yes, you can have them concurrently. There might be a biz plat as well, might be worth going 2/3BM to get the airline credits and whatever signup bonus is being offered there. You might want to also consider an SPG, Gold, PRG, and/or the Delta 30k (once you're getting the pull anyway)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 28, 2011, 10:34:30 AM
Yes, you can have them concurrently. There might be a biz plat as well, might be worth going 2/3BM to get the airline credits and whatever signup bonus is being offered there. You might want to also consider an SPG, Gold, PRG, and/or the Delta 30k (once you're getting the pull anyway)

Thanks.

Have the PRG, BGR, Plat and a few others.

I'll probably go for MB, SPG, and Delta.

(Still need to figure out a way to get the value out of my airline credit from my current Plat. Normally fly Delta so chose them and used $25 worth, but have status and get free baggage so there goes that avenue. I may actually have to go to the Delta ticketing office and purchase a GC which can ONLY be used via the ticketing office. Unreal.)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 10:38:38 AM
(Still need to figure out a way to get the value out of my airline credit from my current Plat. Normally fly Delta so chose them and used $25 worth, but have status and get free baggage so there goes that avenue. I may actually have to go to the Delta ticketing office and purchase a GC which can ONLY be used via the ticketing office. Unreal.)

You can try calling to change the airline, though apparently that's much more difficult once you have any credits.

BTW, which is currently more lucrative for resale, AA or CO?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 28, 2011, 10:40:00 AM
You can try calling to change the airline, though apparently that's much more difficult once you have any credits.

Yeah, I'll do that. Thanks.

BTW, which is currently more lucrative for resale, AA or CO?

I think CO is more valuable by a smidgen.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 10:40:49 AM
I think CO is more valuable by a smidgen.

Even though AA allows you to use multiple GCs on one purchase, hmmm.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 28, 2011, 10:42:51 AM
Even though AA allows you to use multiple GCs on one purchase, hmmm.

Oops, I thought you were asking about resale of miles. Brain fart.

I'm not sure about resale for GCs. Would be very interested to know, considering I'd want to switch (if even possible) to whatever is the most lucrative.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: good sam on November 28, 2011, 11:33:53 AM
Methinks the OP is for DDF links, please use those when possible to support the site.
There's no DDF link for the MB Plat?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 28, 2011, 11:35:56 AM
-I've had Chase automatically reduce a line to approve a new card this year, no biggie.

-Empirical evidence suggests that you should be able to buy a DL ticket of $150 or less and get the refund.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 11:38:28 AM
There's no DDF link for the MB Plat?

Not AFAIK, I don't think there'll be one either. Dan, please CMIIW.

(I did notice there's an AA 50k link (in the OP) which I don't think is a DDF link, but that's probably an exception)

-Empirical evidence suggests that you should be able to buy a DL ticket of $150 or less and get the refund.

+1, IIRC it's been confirmed on DDF.

Edit: a search for "delta ticket" in the $200 credit (http://v) thread shows it's a YMMV, at least based on what's reported in those search results.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 28, 2011, 12:08:27 PM
  Maybe asked and answered but I did not see it/remember.

   Is using 2 different puters both running I.E . on the same ISP the  same as 2 browsers?
Thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on November 28, 2011, 12:38:41 PM
@peter
Its probably better then using 2 browsers. But as always when using the 2bm YMMV
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 28, 2011, 12:43:46 PM
what is MB Plat. ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on November 28, 2011, 12:46:32 PM
@peter
Its probably better then using 2 browsers. But as always when using the 2bm YMMV

Thanks . I will be trying that for the second time today . Tried 2 cards for me and now 2 cards for my wife. I hope I got the chase sapphire from Dans link in time .
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 12:47:02 PM
what is MB Plat. ?

American Express (co-branded) Mercedes Benz Platinum Card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 28, 2011, 01:16:15 PM
American Express (co-branded) Mercedes Benz Platinum Card.
does it have all the benefits of Reg. Platinum
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 28, 2011, 01:27:03 PM
does it have all the benefits of Reg. Platinum

Most, if not all AFAIK.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yakovwogi on November 28, 2011, 01:37:19 PM
I find that truly surprising. Do you see the new Bold with a $5K line?

I do not see it yet....
@asherO-  the 5000 credit was taken from my freedom card
(i had just transferred most of my CL from a onepass card)
so the CL was 16000, they took 5 to open the bold...
And its fine with me:)
I was planning on transferring some CL from my 10k BA card before I close it:)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dwkl on November 28, 2011, 03:20:45 PM
being that many cc offers expire today what do you think will come out tomorrow ?
will the offers get better or worse? as i see amex switched from 5k spending to 10k spending in order to get 50k
im up for renewal and need a new card from amex b4 i cancel my old card in order not to lose my amex points
but am waiting it out until tomorrow as i think 10 k is too much
whats your opinion?
whats the latest way to meet threshold spending ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on November 28, 2011, 03:27:42 PM
I tried  pushing through the third card but was cited the 2 cards in 30 days limit. Anybody have recent experience with this issue?
UPdate:
Called on friday the 26th(my initial declined letter was dated the oct/26) and was told that they'd move 4.5k from the BP card to activate the freedom card thus concluding a successful 3BM. Unfortunately as of yet I haven't seen the CL on my BP card reduced and IME that happens almost instantly. Anyone have a similar experience?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 28, 2011, 04:31:05 PM
UPdate:
Called on friday the 26th(my initial declined letter was dated the oct/26) and was told that they'd move 4.5k from the BP card to activate the freedom card thus concluding a successful 3BM. Unfortunately as of yet I haven't seen the CL on my BP card reduced and IME that happens almost instantly. Anyone have a similar experience?

Chase will often open the new card without reducing the CL even though they originally said they would move over credit from another card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on November 28, 2011, 06:26:09 PM
Chase will often open the new card without reducing the CL even though they originally said they would move over credit from another card.
Thats what I'm hoping for
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 28, 2011, 07:33:58 PM
being that many cc offers expire today what do you think will come out tomorrow ?
will the offers get better or worse? as i see amex switched from 5k spending to 10k spending in order to get 50k
im up for renewal and need a new card from amex b4 i cancel my old card in order not to lose my amex points
but am waiting it out until tomorrow as i think 10 k is too much
whats your opinion?
whats the latest way to meet threshold spending ?
The info that I just received is that there will no signup bonus on the Business Gold (http://dansdeals.com/go/opengold) effective tomorrow, similar to the Business Plat  (http://www.dansdeals.com/go/amexplatbusiness/)that has no current bonus.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 29, 2011, 12:22:14 AM
-I've had Chase automatically reduce a line to approve a new card this year, no biggie.

For you, maybe :P

-Empirical evidence suggests that you should be able to buy a DL ticket of $150 or less and get the refund.

But for that to work I'd need to find a ticket to a place I need/want to go for $150 or less AND hope they refund me.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: steeeveknowsbest on November 29, 2011, 01:57:54 AM
i have a couple of n00b questions and i didn't want to start topics just for these, so i'm posting here

1)i'm flying from EWR-TLV on continental and i have a canceled plat and an active united milage plus explorer card as well as an active continental onepass (not plus) can i get into any lounges for free (such as USAirways with plat, or United with the other cards)?

2)i just did a new 3bm and i will prob need to cancel some cards,
A- if i cancel my united card will i still retain my points? also will they now expire? how long?
B- what about southwest?

Thanks!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 29, 2011, 02:01:52 AM
i have a couple of n00b questions and i didn't want to start topics just for these, so i'm posting here

1)i'm flying from EWR-TLV on continental and i have a canceled plat and an active united milage plus explorer card as well as an active continental onepass (not plus) can i get into any lounges for free (such as USAirways with plat, or United with the other cards)?

2)i just did a new 3bm and i will prob need to cancel some cards,
A- if i cancel my united card will i still retain my points? also will they now expire? how long?
B- what about southwest?

Thanks!

1. Your United Explorer card comes with two annual lounge passes, otherwise no access to CO lounges with any of those card.

2. You can cancel both cards and you'll keep whatever signup bonus points already posted to your account.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: steeeveknowsbest on November 29, 2011, 02:05:43 AM
Thanks!
What about the canceled plat for USAirways? i saw something about that in a different thread
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 29, 2011, 02:06:45 AM
1. Your United Explorer card comes with two annual lounge passes, otherwise no access to CO lounges with any of those card.

2. You can cancel both cards and you'll keep whatever signup bonus points already posted to your account.

+1

But you should be able to use your cancelled AMEX plat to get into the US Airways lounge.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 29, 2011, 02:08:52 AM
But you should be able to use your cancelled AMEX plat to get into the US Airways lounge.

+1

I didn't realize you were asking about US lounges as well, I was saying for CO lounges.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 29, 2011, 01:33:15 PM
The info that I just received is that there will no signup bonus on the Business Gold (http://dansdeals.com/go/opengold) effective tomorrow, similar to the Business Plat  (http://www.dansdeals.com/go/amexplatbusiness/)that has no current bonus.
As promised.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 29, 2011, 01:54:43 PM
Updated the Ink card portfolio, AMEX business Gold, and 25K Southwest card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Devorah on November 29, 2011, 10:35:55 PM
Does a cancelled CO OP MC work for 1st free piece of luggage?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 29, 2011, 10:55:00 PM
Does a cancelled CO OP MC work for 1st free piece of luggage?
Automatically probably not, but it will by showing it to an agent at the airport.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: steeeveknowsbest on November 29, 2011, 11:41:33 PM
co on gives 1 free bag, would that be only the first but if the first was free like international to israel then the 2nd would still cost, or is it one free above what you get anyways?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on November 30, 2011, 01:09:11 AM
Dan, old Ink Bold is dead. Link takes me to a list of current chase cards...  :(
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on November 30, 2011, 01:15:05 AM
Dan, old Ink Bold is dead. Link takes me to a list of current chase cards...  :(

Died yesterday.  One day too late. . .
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on November 30, 2011, 01:22:10 AM
When I said on the main site that it would die very soon, I meant just that!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on November 30, 2011, 01:40:31 AM
When I said on the main site that it would die very soon, I meant just that!
BDE. May he have a speedy techiyas hameisim.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on November 30, 2011, 02:29:47 AM
BDE. May he have a speedy techiyas hameisim.

It's unlikely the old Ink Bold links will be back anytime soon...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on November 30, 2011, 08:23:20 AM
can we give away the MQM miles boost from the DL platinum card to another DL account
Title: DansDeals Credit Card Links And FAQ's.
Post by: clownaparte on November 30, 2011, 09:25:08 AM
It's unlikely the old Ink Bold links will be back anytime soon...
Yeah, I doubt it, but it doesn't hurt to hope.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 30, 2011, 11:39:09 AM
For those who have frozen their CRs, what do you do when you apply for new non-Chase CC's?

Do you temporarily remove the freeze or unfreeze it permanently? Why?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sim on November 30, 2011, 08:47:02 PM
For those who have frozen their CRs, what do you do when you apply for new non-Chase CC's?

Do you temporarily remove the freeze or unfreeze it permanently? Why?
I remove it temporarily because its free
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on November 30, 2011, 08:51:20 PM
I remove it temporarily because its free

Are you sure about that?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sim on November 30, 2011, 08:57:06 PM
yes, my wife has to pay and for me its free, not sure why
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on November 30, 2011, 08:57:37 PM
yes, my wife has to pay and for me its free, not sure why
were you a victim of identity theft?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sim on November 30, 2011, 08:58:36 PM
no not that i know of
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on November 30, 2011, 08:58:56 PM
yes, my wife has to pay and for me its free, not sure why

They must be anti feminism. Or just anti Semites. Or both.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on November 30, 2011, 09:07:56 PM
Are you sure about that?

Yeah, I'm pretty sure it costs money both ways.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on November 30, 2011, 09:44:49 PM
UPdate:
Called on friday the 26th(my initial declined letter was dated the oct/26) and was told that they'd move 4.5k from the BP card to activate the freedom card thus concluding a successful 3BM. Unfortunately as of yet I haven't seen the CL on my BP card reduced and IME that happens almost instantly. Anyone have a similar experience?
Chase will often open the new card without reducing the CL even though they originally said they would move over credit from another card.
Thats what I'm hoping for
Update;
the freedom card showed up in my online account with the CL that was supposed to be moved from the BP card bu so far the BP CL has stayed the same
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on November 30, 2011, 09:45:50 PM
Update;
the freedom card showed up in my online account with the CL that was supposed to be moved from the BP card bu so far the BP CL has stayed the same

Good for you!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Spiffster on November 30, 2011, 11:08:07 PM
yes, my wife has to pay and for me its free, not sure why

did you legally/officially live in different states when you placed the freezes?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: YG on December 01, 2011, 01:41:29 AM
For those who have frozen their CRs, what do you do when you apply for new non-Chase CC's?

what does CR freezing have to do davka with chase?
dont all issuers check your CR before approving a card?

is it because other issuers may do instant approval and you kill that by having frozen CRs?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 01, 2011, 03:13:52 AM
what does CR freezing have to do davka with chase?
dont all issuers check your CR before approving a card?

is it because other issuers may do instant approval and you kill that by having frozen CRs?

Other issuers won't pull the report that isn't frozen (as Chase does), they will insist you un-freeze so they can see the report they want to see.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on December 01, 2011, 10:35:17 AM
For those who have frozen their CRs, what do you do when you apply for new non-Chase CC's?

Do you temporarily remove the freeze or unfreeze it permanently? Why?

No one wants to share?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: YG on December 01, 2011, 11:54:07 AM
Other issuers won't pull the report that isn't frozen (as Chase does), they will insist you un-freeze so they can see the report they want to see.

thanx!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: sim on December 01, 2011, 01:45:02 PM
did anyone  have amex reconsider an app that was declined, having them move credit like chase?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 01, 2011, 11:15:30 PM
For those who have frozen their CRs, what do you do when you apply for new non-Chase CC's?

Do you temporarily remove the freeze or unfreeze it permanently? Why?

I would unfreeze temporarily as it is safer frozen. Also, I may be wrong here, but I don't think you need to unfreeze it (and thus have to pay the 5 dollars), Amex will ask you for the code and do it themselves.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on December 01, 2011, 11:17:26 PM
I would unfreeze temporarily as it is safer frozen. Also, I may be wrong here, but I don't think you need to unfreeze it (and thus have to pay the 5 dollars), Amex will ask you for the code and do it themselves.

Yeah, I'm pretty sure with AMEX, that's what they do.

But, what of others? Citi, BOA, etc...

That's why I asked... I guess I could just do it temporarily as I like them bring frozen (to avoid hard pulls when signing up for, e.g. pay over time with AMEX.)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 01, 2011, 11:19:37 PM
Security doesn't interest you? Or you'd rather sue them after stealing it?  :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on December 01, 2011, 11:25:22 PM
Security doesn't interest you? Or you'd rather sue them after stealing it?  :P

Nah, security interests me, I just believe that if you're circumspect with your SS#, monitor your CC and CR's, you're pretty much gonna be OK.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 01, 2011, 11:26:48 PM
I would unfreeze temporarily as it is safer frozen. Also, I may be wrong here, but I don't think you need to unfreeze it (and thus have to pay the 5 dollars), Amex will ask you for the code and do it themselves.

It's best to unfreeze if you're doing a 2/3BM, otherwise you risk multiple pulls when Amex'does it themselves'.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 01, 2011, 11:29:00 PM
It's best to unfreeze if you're doing a 2/3BM, otherwise you risk multiple pulls when Amazon 'does it themselves'.

Are you in middle of doing some AP lkavod Dec. 1?  :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 01, 2011, 11:32:12 PM
Nah, security interests me, I just believe that if you're circumspect with your SS#, monitor your CC and CR's, you're pretty much gonna be OK.

How circumspect can you possibly be when hundreds of secretaries, insurance agents, etc., all know it?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 01, 2011, 11:32:27 PM
Are you in middle of doing some AP lkavod Dec. 1?  :P

LM@O, total Freudian slip, sweet.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 01, 2011, 11:36:37 PM
LM@O, total Freudian slip, sweet.

But your not responsible for typographical errors so AJK won't be able to help me sue you... ;)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on December 01, 2011, 11:59:37 PM
But your not responsible for typographical errors so AJK won't be able to help me sue you... ;)

Not enough money in it, he doesn't even pay for groceries (http://forums.dansdeals.com/index.php?topic=8756.msg150619#msg150619) :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on December 02, 2011, 12:02:46 AM
Not enough money in it, he doesn't even pay for groceries (http://forums.dansdeals.com/index.php?topic=8756.msg150619#msg150619) :P
wouldn't that cause him to have more money?? ???
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on December 02, 2011, 12:03:24 AM
wouldn't that cause him to have more money?? ???

Im'a let you figure that one out on your own.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 02, 2011, 12:08:45 AM
Not enough money in it, he doesn't even pay for groceries (http://forums.dansdeals.com/index.php?topic=8756.msg150619#msg150619) :P
wouldn't that cause him to have more money?? ???

So now you're counting my money (http://forums.dansdeals.com/index.php?topic=11567.msg149835#msg149835) too?   :'(
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on December 02, 2011, 12:57:57 AM
Are you in middle of doing some AP lkavod Dec. 1?  :P
ROFL!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bruce on December 05, 2011, 12:20:21 PM
General credit question for the forum.

I've been very successful at getting cards approved both for me and my wife. With chase we basically have 3 cards that are constantly open and we move credit around and cancel cards to win new account approvals.

With Amex however we keep on getting approved to the point where we must have over a dozen open accounts with them and a heck of a lot of credit. We always pay off our balances (many times early) and use our credit cards very responsibly.

Since we never cancel the Amex accounts (just move them over to blue cash when the bonuses are over) does there come a point where Amex says too much credit?

Also can other banks be scared off by the mere fact that we have so much credit versus our reported income?

Anyone????
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 05, 2011, 12:23:06 PM
Since we never cancel the Amex accounts (just move them over to blue cash when the bonuses are over) does there come a point where Amex says too much credit?

Also can other banks be scared off by the mere fact that we have so much credit versus our reported income?

Yes to both counts. You're also risking the dreaded Amex F/R (http://wiki.dansdeals.com/AMEX_FR_TRIGGER_LIST)...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on December 05, 2011, 05:57:39 PM
So now you're counting my money (http://forums.dansdeals.com/index.php?topic=11567.msg149835#msg149835) too?   :'(


WTG Asher. That's such a NY Thing to say . From a guy born and bred NYC  :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 05, 2011, 06:01:32 PM

WTG Asher. That's such a NY Thing to say . From a guy born and bred NYC  :)

Excuse me?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on December 05, 2011, 07:56:52 PM
General credit question for the forum.

I've been very successful at getting cards approved both for me and my wife. With chase we basically have 3 cards that are constantly open and we move credit around and cancel cards to win new account approvals.

With Amex however we keep on getting approved to the point where we must have over a dozen open accounts with them and a heck of a lot of credit. We always pay off our balances (many times early) and use our credit cards very responsibly.

Since we never cancel the Amex accounts (just move them over to blue cash when the bonuses are over) does there come a point where Amex says too much credit?

Also can other banks be scared off by the mere fact that we have so much credit versus our reported income?

Anyone????
why can't you just move over the CL and close the amex cards?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bruce on December 06, 2011, 03:23:54 PM
Yes to both counts. You're also risking the dreaded Amex F/R (http://wiki.dansdeals.com/AMEX_FR_TRIGGER_LIST)...

So what do you suggest Asher?
Start closing some recent Amex accounts? (the ones that I'm not using anymore?)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bruce on December 06, 2011, 03:25:12 PM
why can't you just move over the CL and close the amex cards?

How would that help? Is it the amount of cards that are the problem or too much credit?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 06, 2011, 03:27:36 PM
So what do you suggest Asher?
Start closing some recent Amex accounts? (the ones that I'm not using anymore?)

I depends on your spending patterns and whether you'd survive an FR. If your income is >$50k and higher than your combined Amex CLs you're safe. I'd close some cards if I was planning on applying for more.

How would that help? Is it the amount of cards that are the problem or too much credit?

Both. I wouldn't move over (too much) credit, CLs of $25k and up are reportedly an F/R trigger.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on December 07, 2011, 06:23:38 AM
Excuse me?


That's an old NYC line I heard all my life " WHAT ARE YOU COUNTNG MY MONEY " I have not heard
It in years. It brought back old memories that's all.

Did I offend you or something ? Did not mean to .
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 07, 2011, 06:25:34 AM
Did I offend you or something ? Did not mean to .

Not really. Just that I don't like to be stereotyped, especially when I don't get the stereotype...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on December 07, 2011, 06:29:26 AM
I will repeat . It's an old NYC  Saying and I have no clue where you live or were born or anything.

I didn mean to stereotype you, but I am a stereotypical New Yorker  and very proud of it .

Didn't mean to insult or anything . I will delete it if it offends you .
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on December 07, 2011, 10:03:23 AM
  I  just got 2 alerts from credit score and found 2 pulls on experian  from chase and amex dec 2nd . This is after having   amex card approved over the phone without pulls on nov 30th,  and my last chase approved with an earlier corresponding hard pull in mid november and no new chase apps since then .

 Could the Amex pull have happened after approval and before I actually received the card thus no rush on their part.

 But how do I explain the same day Chase pull without a new request ?
Is there ever any linkage that any hard pull by either , triggers a hard pull by the other regardless of applying for a new card ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on December 07, 2011, 10:09:24 AM
Don't know abt the chase one but its not possible to get a cc without a pull
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on December 07, 2011, 10:48:06 AM
I want to get rid of CO and open the Slate that offers 0% APR + free BTs, so I'm thinking that I can call a credit analyst and ask her to simply switch the card over. Has anyone ever opened a card without actually applying?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gozalim on December 07, 2011, 11:34:52 AM
I want to get rid of CO and open the Slate that offers 0% APR + free BTs, so I'm thinking that I can call a credit analyst and ask her to simply switch the card over. Has anyone ever opened a card without actually applying?
just make sure that you'll still get the free BT even if it ain't a 'new' card
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on December 07, 2011, 11:43:45 AM
Don't know abt the chase one but its not possible to get a cc without a pull


 I beleive there was a place to contest it on the credit secure site. Would I be putting myself  under scrutiny if I asked to have it removed . The amex timeline makes sense , but The hard pull by chase happened  the day I got to Germany and started charging heavy .

Can that trigger a pull as I already had a pull by chase 3 weeks ago before getting the card ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on December 08, 2011, 04:15:30 AM

 I beleive there was a place to contest it on the credit secure site. Would I be putting myself  under scrutiny if I asked to have it removed . The amex timeline makes sense , but The hard pull by chase happened  the day I got to Germany and started charging heavy .

Can that trigger a pull as I already had a pull by chase 3 weeks ago before getting the card ?


 *** Correction the Chase alerts  on my credit score was not a credit report request , but rather a report by Chase that a new account has been opened in my name . OOps
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: stever on December 09, 2011, 02:47:56 PM
what does this mean in the old chase ink bold:Get a Priority Pass lounge membership with 2 free visits. do you get free passes to the lounges or not?
also i got a 2k spending limit on the bold how do i get to the threshold of spending 5k in 3 months without raising suspision
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on December 09, 2011, 03:11:20 PM
what does this mean in the old chase ink bold:Get a Priority Pass lounge membership with 2 free visits. do you get free passes to the lounges or not?

The way I understood it, you'll get 2 free visits to any PP lounge.

also i got a 2k spending limit on the bold how do i get to the threshold of spending 5k in 3 months without raising suspision
Spend less then 50% of your CL, then pay it back, and spend again until you reach 5k.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 09, 2011, 03:28:54 PM
what does this mean in the old chase ink bold:Get a Priority Pass lounge membership with 2 free visits. do you get free passes to the lounges or not?
also i got a 2k spending limit on the bold how do i get to the threshold of spending 5k in 3 months without raising suspision

1. It's no longer a Priority Pass membership, now it's called LoungeClub (https://www.loungeclub.com).
2. If you spend $2k then pay it off, you can spend another $2k, even within the same month. You can do this several times a month, and with smaller amounts too (i.e. swipe $1k/week and pay it as soon as it posts).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: stever on December 09, 2011, 04:00:02 PM
1. It's no longer a Priority Pass membership, now it's called LoungeClub (https://www.loungeclub.com).
and its just 2 free passes not unlimited entry right? also does it include wife/kids?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on December 10, 2011, 05:09:43 AM


I WAS so confused with all these cards. I tried to use my priority pass select last week and was told it was cancelled by Amex.  Was so exhausted I paid for lounge access and figured I would fight it out with my new Amex MB PLAT.

Just got the ink Bold but did not get the 2 lounge passes. Are they automatically sent to home , or do we have to do something to get them .

I had card expedited to me here in Greece , maybe passes went to my home in NYC ?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on December 12, 2011, 06:43:54 PM
amex told my friend that he gets 2 points per dollar on the SPG card is that true
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 12, 2011, 06:51:17 PM
Probably for SPG products only.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Drago on December 14, 2011, 04:00:37 PM
FYI, the number for the application department at Barclays is 1800 308 6008
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Drago on December 14, 2011, 04:02:29 PM
FYI, the number for the application department at Barclays is 1800 308 6008
But they're now telling me to call the CS at 1877 523 0478
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Drago on December 14, 2011, 04:12:41 PM
But they're now telling me to call the CS at 1877 523 0478
And the biz card department number is 1866 383 0361
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Drago on December 14, 2011, 05:07:46 PM
FYI, the number for the application department at Barclays is 1800 308 6008
Sorry for another number, they kept on telling me conflicting info. The actual number for the biz card department for application reconsideration was 1866 408 4064
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on December 18, 2011, 01:39:37 PM
About to do a 3BM with Chase and trying to decide on which 3. Already have SP, Freedom, CO, BP. Prepared to close CO and BP if necessary.

Can United's 50K bonus be transferred to either UR or Continental? If yes, that will be my 1st card.

Can any of the hotel cards be transferred to UR or Continental? If yes, which is the most lucrative? Hotel rewards don't mean much to me.

Any other suggestions? What's the current 3BM of the week?

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on December 18, 2011, 02:19:45 PM
United, Ink Bold, and Ink Classic (and of course Continental, Freedom, and Sapphire) can all go to Continental.
Hotel cards will not.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: 123ablack on December 18, 2011, 02:21:36 PM
As far as i know, any private comoany rewards program (CO, Hotels, etc.) cannot be trabsferred to UR or anyother mileage program. you should still be able to sell/transfer it to someone else.
UR (Chase) & MR (Amex) can be trabsferred to mant mileage programs.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: 123ablack on December 18, 2011, 02:22:51 PM
United, Ink Bold, and Ink Classic (and of course Continental, Freedom, and Sapphire) can all go to Continental.
Hotel cards will not.
Yeps united can be transferred to their other wing which is continental
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on December 18, 2011, 03:11:03 PM
Can you get 2 different Ink cards in 1 3BM?

Which hotel card offer is the most lucrative?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on December 19, 2011, 07:31:30 AM
Anyone have the automated number to activate a Chase card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on December 19, 2011, 07:40:42 AM
Anyone have the automated number to activate a Chase card?
888 489 7249 not guaranteed to be automated.
For sapphire 800 925 1794.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on December 19, 2011, 07:52:53 AM
888 489 7249 not guaranteed to be automated.
For sapphire 800 925 1794.
Thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: ajs625 on December 19, 2011, 11:50:37 AM
I have AA credit cards. I got the bonus , but now the cards worthless to have. If I get rid of them I assume they will take away any miles I have earned from them. Is there any way to keep the miles and get rid of the cards?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on December 19, 2011, 01:23:24 PM
I have AA credit cards. I got the bonus , but now the cards worthless to have. If I get rid of them I assume they will take away any miles I have earned from them. Is there any way to keep the miles and get rid of the cards?

You assume wrongly.

Whatever miles you have already earned will stay there.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: ajs625 on December 19, 2011, 02:01:15 PM
I can churn away and keep getting the bonus and just cancel shortly after?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: stever on December 19, 2011, 03:11:50 PM
I have AA credit cards. I got the bonus , but now the cards worthless to have. If I get rid of them I assume they will take away any miles I have earned from them. Is there any way to keep the miles and get rid of the cards?
??? if you have an aa advantage account, the points will be kept as miles from your last transaction for 18 months
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: jack12 on December 22, 2011, 11:23:35 PM
For the continental 30k and hopefully get it matched to 50k, How much do I need to spend and in how long to get the 30k?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on December 22, 2011, 11:25:21 PM
For the continental 30k and hopefully get it matched to 50k, How much do I need to spend and in how long to get the 30k?
$1
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: jack12 on December 22, 2011, 11:29:18 PM
$1

After that, I send them a SM and ask them to match it to what?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on December 22, 2011, 11:34:05 PM
After that, I send them a SM and ask them to match it to what?

Check here for ideas

http://forums.dansdeals.com/index.php?topic=5180.60
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: jack12 on December 23, 2011, 01:16:19 AM
Check here for ideas

http://forums.dansdeals.com/index.php?topic=5180.60

thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: spetropo on December 23, 2011, 02:19:44 PM
Chase Denial Question - Had applied for the Sapphire Preferred and United cards.
I received 2 letters, one stated that the Sapphire was approved but with a reduction in credit on my Chase Freedom.
Just got my Sapphire today.

They other letter said that they could not approve the United Card because "not enough time has passed since your last account with us was opened"
I had called chase for another reason and asked the girl to look into this and when she looked up the reference number she said it was still in consideration.

So with that, should I wait or call the number on the denial letter? Should I tell them i can relinquish my CO card since they are merging?
Thanks
S
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on December 26, 2011, 10:29:22 AM
Looks to be a public 30,000 UR ($300) offer for the freedom card

https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DN52
does any one have a screenshot of this offer
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: joeb1 on December 26, 2011, 10:49:23 PM
yes i do from december 8
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on December 27, 2011, 07:46:34 AM
yes i do from december 8
thanks i have it already
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on December 28, 2011, 10:54:47 AM
Any idea what the minimum credit line is for SW? BP? United?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on December 28, 2011, 09:56:36 PM
whats the best citi aa offer for a non first timer?( i got shot down on the old 75k because i had citi aa in the past)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 28, 2011, 10:22:52 PM
A store credit card such as macy's has the same affect on your credit as a regular credit card, correct?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 28, 2011, 10:25:35 PM
A store credit card such as macy's has the same affect on your credit as a regular credit card, correct?

Should have, but the CL is typically <$1,000, so you can't spend much on it if you want to keep utilization low. OTOH it's limited to one store, but you'd want to spend each month at that store, to show activity on the card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 28, 2011, 10:28:52 PM
I didn't want to waste a full hit on a macy's card so I figured to do a 3BM, however you cannot apply online. :(
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 28, 2011, 10:30:25 PM
I didn't want to waste a full hit on a macy's card so I figured to do a 3BM

3BM? Which would be the other two?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on December 28, 2011, 10:31:24 PM
3BM? Which would be the other two?
None. 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 28, 2011, 10:32:38 PM
3BM? Which would be the other two?

You still have a bad taste with Amex  :P, I probably should have wrote 2BM, but I Chapt on the shem livay. SPG or MB, I think those are the best one's that are left?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 28, 2011, 10:34:27 PM
You still have a bad taste with Amex  :P, I probably should have wrote 2BM, but I Chapt on the shem livay. SPG or MB, I think those are the best one's that are left?

I don't get why you'd apply for a Macy's card though? Besides, there's an online app for the Macy's card here (https://www.macys.com/service/credit/applynow/creditapp.ognc).

/Confused
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 28, 2011, 10:35:14 PM
The Macy's Amex. Should have been more clear...

In that link
Quote
The online application is for the Macy's store credit card only. To apply for the Macy's American Express® Card, visit your local Macy's store.

See here:
https://www.macys.com/service/credit/activation/amex.ognc

Indeed it is a new partnership.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on December 28, 2011, 10:35:32 PM
You still have a bad taste with Amex  :P, I probably should have wrote 2BM, but I Chapt on the shem livay. SPG or MB, I think those are the best one's that are left?

The Macy's store card has nothing to do with AMEX.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on December 28, 2011, 10:37:03 PM
The Macy's Amex. Should have been more clear...

Why would you apply for that? A 25k MR app, 40k DL, 25k SPG etc. would be better...

The Macy's store card has nothing to do with AMEX.

+1, the Macy's Amex wouldn't be an Amex pull, so can't be part of a 3BM.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: boruch on December 29, 2011, 12:12:47 AM
Planning to do a 3 BM before the end of the year.
1)CO OPP
2) UA
3) Hyatt or Marriott Premier. Which one is a better value?

I already have the Sapphire and Freedom.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on December 29, 2011, 12:13:57 AM
Hyatt by a mile.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on December 29, 2011, 09:41:01 AM
Planning to do a 3 BM before the end of the year.

1)CO OPP
2) UA

3) Hyatt or Marriott Premier. Which one is a better value?

I already have the Sapphire and Freedom.
if you have to call recon dep what will u say, why do u need con and ua, i also did a 3BM and they asked me why do i need it, because it's one company, btw till when is the UA promo on? 
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 29, 2011, 09:54:14 AM


+1, the Macy's Amex wouldn't be an Amex pull, so can't be part of a 3BM.

Why not? It's like a city Amex? I didn't think so as Macy's is not a bank and it doesn't make sense to me that they would found transactions beyond their store.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: HelpMe on December 29, 2011, 10:01:59 AM
I know cash back cards are not a big hit here but 10% on gas, grocery and drug store purchase for three months might deserve a look. It is from CharterOne/Citizen Bank. Am I allowed to post a link?

ETA: http://www.charterone.com/cards-and-rewards/credit-cards/cashback-platinum-mastercard.aspx
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 29, 2011, 10:07:34 AM
Interesting offer. I am curious though if cash back works for local groceries etc., I just have a feeling that lots of them consider themselves something else so that they won't partake in any charge/percentages the credit card companies will charge them.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on December 29, 2011, 10:08:51 AM
I know cash back cards are not a big hit here but 10% on gas, grocery and drug store purchase for three months might deserve a look. It is from CharterOne/Citizen Bank. Am I allowed to post a link?
you are allowed to post a link as long as its not a referral link
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: HelpMe on December 29, 2011, 10:13:38 AM
Interesting offer. I am curious though if cash back works for local groceries etc., I just have a feeling that lots of them consider themselves something else so that they won't partake in any charge/percentages the credit card companies will charge them.
My guess it is based on the merchant code used. Works great at chain grocery stores to buy Visa GC’s.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on December 29, 2011, 10:36:11 AM
if you have to call recon dep what will u say, why do u need con and ua, i also did a 3BM and they asked me why do i need it, because it's one company, btw till when is the UA promo on? 
Visa/MC.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on December 29, 2011, 02:41:40 PM
Visa/MC.
thanks,  please  just give me one pro or cons just in case they ask me,
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on December 29, 2011, 03:34:39 PM
thanks,  please  just give me one pro or cons just in case they ask me,
Acceptability
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Nitantnel on December 29, 2011, 06:31:27 PM
What are the chances of not getting approved for a offer that was targeted to you?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on December 29, 2011, 06:32:48 PM
What are the chances of not getting approved for a offer that was targeted to you?
probably around the same as if you weren't targeted
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: HelpMe on December 29, 2011, 06:34:00 PM
What are the chances of not getting approved for a offer that was targeted to you?
IMHO being targeted has no effect on being approved or not.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gevaldig on December 29, 2011, 09:17:44 PM
Acceptability
problem is i also have sapphire preferred, and that's also a visa
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on December 29, 2011, 10:35:16 PM
i did a 3bm with chase one after the next and now when i try to load the application it says app error
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: elikay on December 29, 2011, 10:37:01 PM
i did a 3bm with chase one after the next and now when i try to load the application it says app error
What do you mean by trying to load the app?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on December 29, 2011, 10:38:10 PM
click on dans link
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on December 29, 2011, 10:43:36 PM
you think they track the app and they see to many (5 in the past 2 days)from my comp and its a security thing. i couldnt  load in ff or ie or chrome i did private browsing then it worked for one more 3bm but now it wont load again
edit: if i clear browsind data in chrome it loads but not ie or ff
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: aaa1 on December 31, 2011, 08:15:52 PM
i applied for the amex premier gold in july and cant get them to give me the 75k. any tips?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on December 31, 2011, 09:01:23 PM
i applied for the amex premier gold in july and cant get them to give me the 75k. any tips?

First, were you targeted for the 75K offer?

Second, if not, did you have your account notated with a match request?

If the answer to both of those questions is "No" you're likely out of luck.

P.S. Welcome to the forums.

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on January 01, 2012, 11:38:12 AM
i applied for the amex premier gold in july and cant get them to give me the 75k. any tips?


Do u have any good history with Amex. If so call MR  and ask for a CSR mr manager . Hopefully if noted on your account , this personnmay push it for you.

If no other Amex cards , highly unlikely.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on January 01, 2012, 10:16:59 PM
is co offer still active
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on January 02, 2012, 12:32:00 AM
is co offer still active

Looks like yes. As of now the link is still active.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on January 02, 2012, 01:41:31 PM
can we apply for a few corp. at same time with the same bank or only with 3BM so that means its limit to 3
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: menachem on January 02, 2012, 07:52:24 PM
I have an closed platinum amex card.

I'm flying next week on continental.

Is there any platinum lounge access I can take advantage of?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 02, 2012, 07:53:14 PM
I have an closed platinum amex card.

I'm flying next week on continental.

Is there any platinum lounge access I can take advantage of?
USAirways
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Devorah on January 02, 2012, 11:19:39 PM
If I am a authorized user on my husband's CO OPP card, do I still get 1st piece of luggage free?  I think as of 1/1/12, it is only the primary cardholder.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 02, 2012, 11:22:51 PM
YMMV.  It won't be automatic but a rep at the airport may waive it for you.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on January 03, 2012, 08:23:38 PM
Will a closed CO OPP card get the first bag fee waived?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Devorah on January 04, 2012, 03:47:33 AM
Will a closed CO OPP card get the first bag fee waived?

I think that as of 1/1/12, the ticket needs to be purchased with the OPP card, so it probably won't work, unless u get a rep at the airport that doesnt know any better. YMMV, I guess.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on January 04, 2012, 04:07:54 AM
Is it true the the PP no longer accrues lifetime miles?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on January 04, 2012, 08:17:56 AM
I think Dan just posted recently that it works.

EDIT: http://forums.dansdeals.com/index.php?topic=12625.msg164603#msg164603
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 04, 2012, 01:03:25 PM
Is it true the the PP no longer accrues lifetime miles?
Correct, effective 01/01/12 only CO/UA BIS miles count towards lifetime status.  Previously all EQMs counted toward lifetime status.

However if you have EQMs from the PP card you can still apply them to last year until 03/31/12 where they will count towards lifetime.

Additionally all EQMs earned on the PP card after 01/01/12 will expire if not applied within 39 months.  EQMs earned before 2012 will never expire.  CO will use a LIFO system so that the non-expiring EQMs stay the longest.

Other bad news, the 25% elite flight bonus is going away and the 2 free bags will only apply to 2 people max instead of 9.

The only bone they threw PP cardholders-no expedite fees on awards and no 4 flight minimum to get elite status.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 04, 2012, 01:04:07 PM
I think Dan just posted recently that it works.

EDIT: http://forums.dansdeals.com/index.php?topic=12625.msg164603#msg164603
Counts towards annual status (up to Plat and won't count for anything towards 1K) but no longer towards lifetime status.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: aussiebochur on January 05, 2012, 05:56:26 AM
So basically pointless to spend over $375K/year on the card, correct?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: arig on January 05, 2012, 01:53:43 PM
pretty much no point in it-except that u still earn regular CO mileage.does anyone have thoughts on this-i currently have the CO onepass+ card and i dont really use it anymore since i have the SP also(transfer my points thru that).i was was thinking about makin a run at the united card and trying for 50k.i was jst wonderin-if im already takin a hit on my report,should i try for the hyatt card too with a 2BM? i currently have the freedom card which makes 3 active cards from chase on file rite now.is it smarter to just move my CL from the CO over to the united card and avoid a hit, or does that give a hit either way?thanks in advance!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on January 05, 2012, 01:55:50 PM
pretty much no point in it-except that u still earn regular CO mileage.does anyone have thoughts on this-i currently have the CO onepass+ card and i dont really use it anymore since i have the SP also(transfer my points thru that).i was was thinking about makin a run at the united card and trying for 50k.i was jst wonderin-if im already takin a hit on my report,should i try for the hyatt card too with a 2BM? i currently have the freedom card which makes 3 active cards from chase on file rite now.is it smarter to just move my CL from the CO over to the united card and avoid a hit, or does that give a hit either way?thanks in advance!

AFAIK, it's gonna hit you either way.

If I were you, I'd definitely do the 2BM.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: arig on January 05, 2012, 02:32:50 PM
is it ok if i have 2 pulls from chase in the last 2 years?the 1st one was sep'10 and the 2nd was aug'11...is that to close to now to do a pull again??
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on January 05, 2012, 02:34:32 PM
is it ok if i have 2 pulls from chase in the last 2 years?the 1st one was sep'10 and the 2nd was aug'11...is that to close to now to do a pull again??

No worries.  I have 3 or 4 Chase pulls in the past 12 months and just got a Freedom application approved today.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on January 05, 2012, 02:34:58 PM
is it ok if i have 2 pulls from chase in the last 2 years?the 1st one was sep'10 and the 2nd was aug'11...is that to close to now to do a pull again??

That's nothing compared to some of us on DDF.

You needn't be concerned.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on January 06, 2012, 09:43:21 AM
My wife just got a targeted offer for Amex Gold. 25K for spending $1000 in 3 months, no fee 1st year. Good offer? Worth pursuing if her credit isn't that great and she has no prior Amex?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on January 06, 2012, 10:29:15 AM
My wife just got a targeted offer for Amex Gold. 25K for spending $1000 in 3 months, no fee 1st year. Good offer? Worth pursuing if her credit isn't that great and she has no prior Amex?

Just as FYI, people have been getting a targeted offer of 50K for the Business Gold Rewards if that helps you evaluate how good the offer is.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: voldemort on January 07, 2012, 12:44:19 PM
has the 3bm worked with bank of america for anyone lately?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Zeeeeks on January 07, 2012, 07:57:53 PM
My friend spends about 30k a month that registers with AMEX as "Merchandise & Supplies - Hardware Supplies" & "Business Services - Professional Services". Does anybody know if there is a card that offers anything better than one point per dollar?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: creditor on January 07, 2012, 09:10:50 PM
changing a unused delta platinum card 1200$ limit to a blue cash, do they transfer the CL, or give you a new one?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: YG on January 07, 2012, 09:13:56 PM
.......................... gift cards wouldn't work. Y'all are sure that that'll work? Also, for those of you who have bought the gift cards, are you using them to pay off the credit card bill,

Can GC's be used to pay CC bills??
Surely not.
Seems too good to be true.
if I'm wrong, Ill be stoked!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 07, 2012, 10:38:16 PM
changing a unused delta platinum card 1200$ limit to a blue cash, do they transfer the CL, or give you a new one?

If they'll let you convert it'll be the same credit line which'll be available to the Blue Cash card, the Delta card won't work anymore.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on January 09, 2012, 02:58:16 PM
does the AAdvantage personal link from Citi work for anyone here?  I cleared my cookies and it still doesn't work.  Want to do a 2bm from Citi today for this card and the HHonors card, but when I click the AAdvantage card link it tells me the offer is no longer available.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Lamdan on January 09, 2012, 03:19:42 PM
I want to call Chase so they should reconsider my United app, I have a Sapphire card. Are there any benefits that United has that Sapphire doesn't, that i can tell them why i want the United?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 09, 2012, 03:21:25 PM
I want to call Chase so they should reconsider my United app, I have a Sapphire card. Are there any benefits that United has that Sapphire doesn't, that i can tell them why i want the United?
http://www.dansdeals.com/archives/15261
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on January 11, 2012, 11:46:12 AM
@ Dan

Can you get a Chase SP MC World link?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 11, 2012, 11:58:59 AM
No, you need to apply for the Visa and switch it over.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on January 11, 2012, 12:26:11 PM
No, you need to apply for the Visa and switch it over.
I seem to be having trouble with that. At mastercard.com there is a link for it so it is possible.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 11, 2012, 12:27:33 PM
I seem to be having trouble with that. At mastercard.com there is a link for it so it is possible.
HUCA and HUCA till you get it?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on January 11, 2012, 12:38:01 PM
HUCA and HUCA till you get it?
Yea, I guess so.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on January 11, 2012, 12:52:06 PM
I seem to be having trouble with that. At mastercard.com there is a link for it so it is possible.
The mastercard.com link looks exactly like the visa. Doesn't say anything anywhere that it's a MC
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on January 11, 2012, 12:58:25 PM
The mastercard.com link looks exactly like the visa. Doesn't say anything anywhere that it's a MC
The picture with the card shows it with the MC logo (near the link to click to the app. IIRC). I was actually directed there by a rep when I was trying to get the card switched during recon and she explained that I should have applied from there for it to be a MC. That's why I was asking Dan if he can get his own link, to make it easier to get both cards.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on January 11, 2012, 01:03:05 PM
HUCA and HUCA till you get it?

So with my first call the rep. said she can't automatically change it like she normally would as it is a new account, so she sent in a request that it should be changed and she thinks I should get it being that i'm elite and all that. (I didn't know there were different statuses with chase cards)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on January 11, 2012, 01:30:04 PM
The picture with the card shows it with the MC logo (near the link to click to the app. IIRC). I was actually directed there by a rep when I was trying to get the card switched during recon and she explained that I should have applied from there for it to be a MC. That's why I was asking Dan if he can get his own link, to make it easier to get both cards.
But the app itself is the same
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on January 11, 2012, 02:57:36 PM
But the app itself is the same

The app may look the same but what's the code behind it. I f you look at an app from chase.com (without any referral) the address ends in DKWN&CELL=6154. If you look at the one from mastercard.com it ends in DKWS&CELL=62R6#. I have no idea what these codes mean but it may be the difference between a visa and a mc.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 11, 2012, 04:12:58 PM
The app may look the same but what's the code behind it. I f you look at an app from chase.com (without any referral) the address ends in DKWN&CELL=6154. If you look at the one from mastercard.com it ends in DKWS&CELL=62R6#. I have no idea what these codes mean but it may be the difference between a visa and a mc.

I too am wondering what these two variables (SPID and CELL) are, they also sometimes have a PROMO variable. I noticed they change by app/link, but I was hoping for something more specific.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on January 11, 2012, 05:10:36 PM
I too am wondering what these two variables (SPID and CELL) are, they also sometimes have a PROMO variable. I noticed they change by app/link, but I was hoping for something more specific.
Yea, I've tried messing around with the codes to see if I can come up with some interesting bonuses. So far nothing doing  :D
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: harry on January 11, 2012, 05:12:45 PM
dan,

any usable links for citibank aa consumer card. your link doesn't seem to be working.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 11, 2012, 05:19:57 PM
can churning between different banks be done earlier than 60 days for an example citi 2 weeks later chase?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 11, 2012, 05:22:51 PM
can churning between different banks be done earlier than 60 days for an example citi 2 weeks later chase?

Where are you getting the '60 days' time from? It's not set in stone and differs by CC issuer, but it's typically best to apply at multiple banks on the same day so they don't see eachother's credit pulls.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 11, 2012, 05:25:23 PM
well in this case i already applied 2 weeks ago for an aa citi can i do 3bm for chase?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Ed on January 11, 2012, 05:46:47 PM
Dan I just wanted to thank you for helping me in the following way. I had been trying for a while to transfer the credit line of my Chase/BA card (btw thanks for the 100k Aivos as well) to my Chase freedom card in order to close the card. I spoke to my banker a few times who despite numerous phone-calls to corporate kept telling me that because it was a special promotion card it cant be done. I remembered you once posting something about a Chase Credit Replication Line and sure enough after a quick search and an even faster phone call it was all taken care of no problem. Just one of the many reasons of why I am such a fan, Thanks!!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 11, 2012, 06:11:11 PM
great story but what is "Chase Credit Replication" and can anyone answer my other question?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 11, 2012, 06:14:38 PM
Dan I just wanted to thank you for helping me in the following way. I had been trying for a while to transfer the credit line of my Chase/BA card (btw thanks for the 100k Aivos as well) to my Chase freedom card in order to close the card. I spoke to my banker a few times who despite numerous phone-calls to corporate kept telling me that because it was a special promotion card it cant be done. I remembered you once posting something about a Chase Credit Replication Line and sure enough after a quick search and an even faster phone call it was all taken care of no problem. Just one of the many reasons of why I am such a fan, Thanks!!

Ed, I think you're looking for this:

Chase: 888-298-5623 (Credit Reallocation - Consumer)
Chase: 800-453-9719 (Credit Reallocation - Business)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 11, 2012, 06:19:19 PM
well in this case i already applied 2 weeks ago for an aa citi can i do 3bm for chase?
anyone? please :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Ed on January 11, 2012, 06:32:28 PM
Ed, I think you're looking for this:


That's the one, spell-check got me. Thx!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 11, 2012, 06:42:05 PM
anyone? please :)

well in this case i already applied 2 weeks ago for an aa citi can i do 3bm for chase?
sorry for asking so many times just really would like an answer thanks in advance! :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: steeeveknowsbest on January 12, 2012, 01:19:38 AM
can churning between different banks be done earlier than 60 days for an example citi 2 weeks later chase?

It seems to me that you have a misunderstanding about what the word "churning" means in context of credit cards.

churning means to open a card, get the bonus, close said card and reopen the very same type of card a short while later in order to receive another bonus (for instance getting the a 50k bonus for the amex plat several times)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: steeeveknowsbest on January 12, 2012, 01:24:44 AM
well in this case i already applied 2 weeks ago for an aa citi can i do 3bm for chase?
As far as a new 3bm is concerned you can definitely do one, AsherO was simply saying that when possible try to do your apps together for different banks as each bank will be easier to get approved for.

In this case you no longer have that opportunity, so you may have more difficulty getting all cards approved and are less likely to get instant approval, but you should be able to get the cards through recon assuming everything else is in order.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 12, 2012, 04:10:35 PM
thanks for your help. when i wanna transfer my cl from one aa citi to another aa citi whats the reason i should use when calling? or should i transfer to a different citi card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: asks on January 17, 2012, 05:42:47 PM
Would a Citi 3bm for TY preferred, TY premiere and AA 50k offer all be under one pull? Thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 17, 2012, 05:51:55 PM
is that not the whole idea of 3bm?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Redbull3 on January 18, 2012, 03:18:52 PM
Dan, I'm looking to add the Citi Forward student card, I just want to check the 10K linked to in the first post is the latest and greatest out there before I go ahead and apply? Seems kind of low.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on January 18, 2012, 04:51:46 PM
Other than 3rd night free, what benefits/bonuses do you get when using an SPG to book a Starwood hotel? My hotel stays are always 1 or 2 nights so 3rd night doesn't help me much.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 18, 2012, 04:58:17 PM
double points, 4pm late checkout.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on January 18, 2012, 05:09:49 PM
Is double Starwood points worth more than 2.14 UR?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 18, 2012, 05:13:37 PM
Afaik yes. because spg transfers @1.5 and ur @ 1.1 @ most but ur has no fee. so not so sure :-\
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 18, 2012, 05:58:16 PM
1.5 and 1.1 what in the world are you talking about?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 18, 2012, 06:19:21 PM
Afaik yes. because spg transfers @1.5 and ur @ 1.1 @ most but ur has no fee. so not so sure :-\
I geuss I don't know.(I tried) so how does it work?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: steeeveknowsbest on January 19, 2012, 01:29:01 AM
although there is a general market value to points, points are really worth precisely how much you personally value them (or how much value you will realistically get from them)

while this depends on you most people value starwood points at roughly 2cpp as they transfer into many airlines at 20k to 25k ratio ( for instance if you value AA miles at 1.6cpp and transfer 20k starwood points into 25k AA miles you've effectively received the 2cpp) and because of the amazing value which can be gotten at starwoods hotels ( i got a 600$+ room recently for 5000 points and 45$)
 While most people value UR points at roughly 1.6 cpp because they transfer effortlessly and instantly into many valuable partners

using this math double starwood points are worth 4 cents and 2.14 UR are worth 3.424

but once again this is completely dependent on your personal values and how you plan on using the points.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 19, 2012, 09:52:12 AM
As Steve said, it's all quite personal, but for me I'd redeem MR at roughly 1.5, UR at 1.85, and SPG at 2.25.
So UR would get 3.96 and SPG would get 4.5 cents back at a SPG hotel.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on January 19, 2012, 10:10:26 AM
Thanks, those last 2 posts were extremely helpful.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 19, 2012, 10:27:20 AM
A. If I carry a balance on a cc is that go on my cs report as utilization,late payments or neither?
B. Creditkarma reports that the amount of credit cards I have open (not applications) effects my score is the true or faco?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on January 19, 2012, 01:19:23 PM
A. If I carry a balance on a cc is that go on my cs report as utilization,late payments or neither?
B. Creditkarma reports that the amount of credit cards I have open (not applications) effects my score is the true or faco?

You're Kinda in the wrong thread. But,
1) Yes
2) Sort of. YMMV. Discussed extensively elsewhere on DDF. Seek and you shall find.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 19, 2012, 01:21:57 PM
You're Kinda in the wrong thread. But,
1) Yes
2) Sort of. YMMV. Discussed extensively elsewhere on DDF. Seek and you shall find.
I don't think you answered any of my questions.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on January 19, 2012, 01:23:29 PM
A. If I carry a balance on a cc is that go on my cs report as utilization,late payments or neither?
B. Creditkarma reports that the amount of credit cards I have open (not applications) effects my score is the true or faco?


as long as you're paying the min it will be utilization not late payments
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on January 19, 2012, 01:25:22 PM
A. If I carry a balance on a cc is that go on my cs report as utilization,late payments or neither?
B. Creditkarma reports that the amount of credit cards I have open (not applications) effects my score is the true or faco?

A. Yes, it will show up on your CR as utilization, and yes, if you make a late payment, it sure will show up on your CR as well... Hope this answers your question.
B. See above response.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cashman on January 19, 2012, 01:39:12 PM
Chase executive office is saying that I need a reference number for my application. Is that true or can they pull it up with my social?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 19, 2012, 01:40:47 PM
when i called i gave social and they saw all 3 apps, maybe try reconsideration
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cashman on January 19, 2012, 01:48:55 PM
when i called i gave social and they saw all 3 apps, maybe try reconsideration
Just got another Rep she found it. Thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yeki89 on January 19, 2012, 02:43:21 PM
Applied for Chase Freedom and SP using the 2BM
freedom was approved instant with $7,500
Sapphire was given 7-10 days
Called Chase Recon...
i was told subject to approval because of 2 many requests.
I moved my line of credit from Chase Co card from 18k to 12k
And got Approved for the Sapphire for $6k
I guess the 2BM/ 3BM isn't fool proof.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on January 19, 2012, 04:51:17 PM
Applied for Chase Freedom and SP using the 2BM
freedom was approved instant with $7,500
Sapphire was given 7-10 days
Called Chase Recon...
i was told subject to approval because of 2 many requests.
I moved my line of credit from Chase Co card from 18k to 12k
And got Approved for the Sapphire for $6k
I guess the 2BM/ 3BM isn't fool proof.

May I ask you what it is you believe a 2bm/3bm is meant to accomplish?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yeki89 on January 19, 2012, 05:45:59 PM
one pull, one inquiry for credit
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: farmerjoe on January 19, 2012, 05:52:27 PM
one pull, one inquiry for credit
exactly! nobody said you were gonna get approved!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yeki89 on January 19, 2012, 07:22:26 PM
one inquiry means both cards are one inquiry, for chase to tell me that im asking for 2 much credit means its not one iquiry
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: gozalim on January 19, 2012, 07:28:53 PM
one inquiry means both cards are one inquiry, for chase to tell me that im asking for 2 much credit means its not one iquiry
with chase it's obviously 2 accounts with 2 approvals. and eventually the CR will also show 2 accounts. the point was that when chase makes a credit pull request it will show on your credit report history as 1 pull not 2.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Yeki89 on January 19, 2012, 07:31:08 PM
my misconception
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 20, 2012, 12:53:19 AM
Is there a way of using all your credit and still keep the utilization (report that the cb get) low?

i just need to book a bunch of flights for someone and will get paid back tmrw

thanks in advance!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 20, 2012, 12:54:37 AM
Is there a way of using all your credit and still keep the utilization (report that the cb get) low?

i just need to book a bunch of flights for someone and will get paid back tmrw

thanks in advance!

Got any business cards (with Amex, BofA, Barclays, Chase or Citi)? Also, if you know what date your CC issuer reports to the bureaus (typically around your bill date or cycle date AFAIK), you can just have it paid before then and they won't report the extra spend. Whatever you do, don't go over your limit, that could cause issues.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 20, 2012, 12:56:18 AM
just reg citi. 2 of them

can i just pay them off right away and will be fine or it will still report a high utilization?

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 20, 2012, 12:56:58 AM
just reg citi. 2 of them

can i just pay them off right away and will be fine or it will still report a high utilization?

Edited my first response, please scroll up to see it.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 20, 2012, 01:00:59 AM
my statement is in 3 days and it is 0 and 0 minumum payment so if i make the tix tonight it will take time to process anyways no?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 20, 2012, 01:01:49 AM
my statement is in 3 days and it is 0 and 0 minumum payment so if i make the tix tonight it will take time to process anyways no?

Hard to predict. Want to use my card? :D
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 20, 2012, 01:02:47 AM
lol thanks but im sure my yeshivah would :) im gonna give it a shot worst comes to worst if i pay it off next month will it then fall of my cr?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 20, 2012, 01:06:20 AM
lol thanks but im sure my yeshivah would :) im gonna give it a shot worst comes to worst if i pay it off next month will it then fall of my cr?

I was kidding, I'm not giving my card number out to people I don't know, sorry.

If you pay your bills in full, and on time, it'll be gone from your CR within 2 months.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 20, 2012, 01:08:34 AM
O really I thought we would meet up @ tashlich or something :)
thanks for your help
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 20, 2012, 01:09:50 AM
O really I thought we would meet up @ tashlich or something
thanks for your help

Ironic you'd choose that as our meeting place. I lend you my credit card, and the next time we meet it's RH when you're not allowing to handle money and you're emptying your empty pockets, how ideal... What's next? I somehow end up in the water?

:P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 20, 2012, 01:13:34 AM
Lol but "tashlich" is the smoking lounge throughout the year so.....its a nice place to meet :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 01:18:32 AM
In the mail i got a letter saying i was approved for a credit card and on the bottom it says " You have the right to a free copy of your report if you request one within 60 days." from Experian is this legit?
any hard pulls ?
TIA!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on January 22, 2012, 02:09:16 AM
Which CC issuer?
When you request your own credit report there are no hard pulls.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 09:24:13 AM
Chase. so is there any fine print that i have to read with Experian like 10-day trial...... or they will just give me a free one time score, witch that's good.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 12:39:47 PM
In the mail i got a letter saying i was approved for a credit card and on the bottom it says " You have the right to a free copy of your report if you request one within 60 days." from Experian is this legit?
any hard pulls ?
TIA!
Chase. so is there any fine print that i have to read with Experian like 10-day trial...... or they will just give me a free one time score, witch that's good.
Anyone got an idea? :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on January 22, 2012, 12:53:25 PM
Anyone got an idea? :)

Wow, you really don't stop.
You are entitled to a free report from experian, not score.
There are no strings attached.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 01:14:36 PM
I stop when people answer :P
And thanks for answering!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on January 22, 2012, 01:19:23 PM
I stop when people answer :P
And thanks for answering!

Well you have a lot of learning to do.
Normally the way it works is you ask a question and then wait for an answer. No need to ask every question 3 times. I think that may have something to do with the reason you're being ignored. 
Ever thought of that?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 01:30:51 PM
True. I will try to be more patient.:)
And I do have a lot of learning to do.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: elikay on January 22, 2012, 02:38:39 PM
Wow, you really don't stop.
You are entitled to a free report from experian, not score.
There are no strings attached.
Didn't they start giving out score as well, or is that only if you were declined?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 02:40:37 PM
I didn't get mine and I got approved,but my friend who got his amex approved got his sooo not really sure.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on January 22, 2012, 02:48:31 PM
Didn't they start giving out score as well, or is that only if you were declined?

Experian giving out free scores? Not AFAIK. someone CMIIW
I didn't get mine and I got approved,but my friend who got his amex approved got his sooo not really sure.

From experian? Its a relatively new rule/(law?) that if you were denied based on your score the cc company is required to tell you your score.

Other than that I'm not sure wat your friend is talking about.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 02:52:11 PM
Experian giving out free scores? Not AFAIK. someone CMIIW
From experian?

Other than that I'm not sure wat your friend is talking about.

Well he lives in new york and got his score after he got accepted with amex soi im not positive it was experian.

Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: miles on January 22, 2012, 04:15:53 PM
my friend got declined from chase and got his score
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: DevoiriS on January 22, 2012, 09:21:13 PM
I hope this is the right place to ask: I signed up to citiaadvantage and got 100,000 miles for spending the minimum on visa and amex. I'm new to this credit card game and need some advisement. My questions: do I cancel the cards? when should I cancel (does it make a diff now or closer to the end of the year?) I am paying the annual fee for an starwood card, should i be? Whats better? keeping the starwood open or the citi and racking up miles. I travel at least twice a year (sukkos and pesach) and want to travel with miles. when can I open up a new credit card to get more miles? How long should I wait? I know I am such a newbie but if you'd like to take the time and share your wealth of knowledge with me, it would be very much appreciated! (I have a good credit score and I always pay on time.) Thanks a mil!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 22, 2012, 09:35:12 PM
I hope this is the right place to ask: I signed up to citiaadvantage and got 100,000 miles for spending the minimum on visa and amex. I'm new to this credit card game and need some advisement. My questions: do I cancel the cards? when should I cancel (does it make a diff now or closer to the end of the year?) I am paying the annual fee for an starwood card, should i be? Whats better? keeping the starwood open or the citi and racking up miles. I travel at least twice a year (sukkos and pesach) and want to travel with miles. when can I open up a new credit card to get more miles? How long should I wait? I know I am such a newbie but if you'd like to take the time and share your wealth of knowledge with me, it would be very much appreciated! (I have a good credit score and I always pay on time.) Thanks a mil!

1. You should call around your 6-month and 12-month anniversary dates and say you're considering cancelling, see if they'll give you a retention bonus, at the 12-month see if they'll refund the $85 (sometimes they require 5 purchases for that, which is pretty easy to do).

2. Before cancelling, try to downgrade to a free card so you can keep the credit line open. Or, if you have another Citi card, at least see if you can get the credit line on the Aadvantage  moved over to the other Citi card when closing it. With some issuers (e.g. Chase) having an existing/active credit line with them is leverage when trying to get approved for a new card. If necessary, the current CL can either be partially transferred to the new card, or in a worse-case-scenario, you can offer to close the current card to get the new application approved.

3. I'd keep the SPG since you get 25k miles for $20k spend and you also get the Amex (purchase/warranty/return) protections.

4. How long to wait depends on many variables and how much you want to push the limits and risk getting declined and/or having to call reconsideration many times and/or (albeit rarely) risk adverse actions (paperwork inquiries/shutdowns) from the issuers. Browse/search the CC forums and you'll learn a lot.

Glad you too the advice on DDFB and posted on DDF :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 09:42:01 PM
Hey asherO did I wait long enough for the answer on the autherized user question? :) TIA!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 22, 2012, 09:45:00 PM
Hey asherO did I wait long enough for the answer on the autherized user question? :) TIA!

I'll make you a deal for your next ten questions (within reason). I'll answer all of them if the following criteria are met:

1. Your questions are written reasonably clearly.
2. You don't get an answer within three days.
3. You don't bump the question(s) during those 3 days.
4. You post in the appropriate forum/thread.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 10:07:24 PM
Deal. But I'm an oholei torah nick so Ill try my best to be clear.
And can I start asking before the 3 days are up? (This question not incluided :).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 22, 2012, 10:18:18 PM
And can I start asking before the 3 days are up? (This question not incluided :).

You can ask questions whenever you'd like, I commit to (BL"N) answer the first 10 as long is you follow the aforementioned rules (including no-bumping).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 10:25:49 PM
Thanks you are really kind.
And if the authorized user question can count as part of the 10 that would be nice.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 22, 2012, 11:07:21 PM
And if the authorized user question can count as part of the 10 that would be nice.

That's called a bump, so you lost that question. I'll answer your other past questions as well if you don't bump them for three days.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 22, 2012, 11:53:00 PM
That's called a bump,
Oy that's the question i really need.
Can that one be worked out?
How else was i supposed to mention it, i don't think it should be considered a bump.
TIA!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 23, 2012, 12:00:37 AM
Oy that's the question i really need.
Can that one be worked out?
How else was i supposed to mention it, i don't think it should be considered a bump.
TIA!

Don't mention it for three days and I'll answer it. My point is to demonstrate to you that waiting and practicing etiquette will earn you respect and get your questions answered. Repeated bumping will just piss people off and cause them to not take you (or your questions) seriously.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 23, 2012, 12:02:37 AM
I understand. and thanks again! :)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on January 23, 2012, 10:07:13 AM
When closing a card to avoid paying the annual fee, are you able to move the CL over to another card so as not to lose it completely?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 23, 2012, 10:09:27 AM
When closing a card to avoid paying the annual fee, are you able to move the CL over to another card so as not to lose it completely?

Depends on the issuer, but typically you can.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on January 23, 2012, 10:48:03 AM
Depends on the issuer, but typically you can.
Chase?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 23, 2012, 10:52:05 AM
Chase?

I think so. Chase should even do this for you for an active CL, from the OP of this thread:

Chase:
Chase: 888-298-5623 (Credit Reallocation - Consumer)
Chase: 800-453-9719 (Credit Reallocation - Business)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on January 23, 2012, 02:21:39 PM
Didn't they start giving out score as well, or is that only if you were declined?

I got approved for the Citi Hilton card two weeks ago and they sent me my Experian score with the new card (724 even with 10 new accounts in the past 18 months!).  6 months ago I got my scores from all three bureaus and Experian was lowest because here in (Monsey) NY it seems like every bank checks through them.  The other two were around 760 and Experian was 735 back then.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: lcyitz on January 23, 2012, 04:58:01 PM
I just got a letter from chase saying in order to approve my co onepass they need to verify my annual income by faxing them 1 of the following.
1. 2 most recent consecutive pay stubs.
2. most recent w-2.
3. most recent 1099.
 i am a bocher with 0 income. and i don't know what any of these 3 things are.
If someone can give me some advice to the easiest one to do, it would be greatly appreciated.

TIA.

Weirdly i forgot to mention the account already posted on my online account 2 days ago.    ???
So now i am not even sure if i was declined.
Update: just called chase and they told me I was approved.
So now why dod I get that letter could it be just reconsideration when they didn't accept me?
Should I worry about this?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: txtmax4 on January 23, 2012, 06:04:40 PM
Sorry if this was talked about, searched and din't find anything about it:
Is reallocating credit between credit cards from Chase back and forth a few times a FR trigger?
Thanks.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on January 23, 2012, 06:49:11 PM
Chase?


Did 3 cards , with Chase taking from other CL between wife and me in the last 2 months .Usually very easy
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on January 24, 2012, 01:10:54 AM
Sorry if this was talked about, searched and din't find anything about it:
Is reallocating credit between credit cards from Chase back and forth a few times a FR trigger?
Thanks.
You won't find many people talking about chase FR's :D
If you're referring to their AA where they close down all your cards, then the triggers with those aren't very clear and I haven't seen anyone mention moving CL's around as a cause for AA. Keep in mind that moving around CL's means they aren't issuing you new credit so it isn't any sort of additional risk they are incurring to warrant AA
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on January 24, 2012, 10:56:24 AM
I don't remember which thread I saw it in, but somebody on here made the claim (and I think it sounds right) that Amex is mostly concerned with credit risk, and therefore one can work with them to keep some credit open (close a few cards, lower your limits, etc, and you will be a less risky customer.)  This is why Amex will warn you first and then work with you (at least more-so than Chase).

Chase, on the other hand, is more concerned with abusers of the system (because they cost more?), and will close down your accounts without contacting you first.  Since credit risk isn't the main reason for the shutdown, it is more difficult to bargain with Chase - as far as they are concerned you are already guilty of abuse.

Of course, I've never had FR or AA so as far as this topic goes, I'm a n00b.....
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 24, 2012, 11:00:10 AM
I don't remember which thread I saw it in, but somebody on here made the claim (and I think it sounds right) that Amex is mostly concerned with credit risk, and therefore one can work with them to keep some credit open (close a few cards, lower your limits, etc, and you will be a less risky customer.)  This is why Amex will warn you first and then work with you (at least more-so than Chase).

Chase, on the other hand, is more concerned with abusers of the system (because they cost more?), and will close down your accounts without contacting you first.  Since credit risk isn't the main reason for the shutdown, it is more difficult to bargain with Chase - as far as they are concerned you are already guilty of abuse.

Of course, I've never had FR or AA so as far as this topic goes, I'm a n00b.....

I've mentioned this here (http://forums.dansdeals.com/index.php?topic=12638.msg162616;topicseen#msg162616), it's just speculation, albeit educated by the experiences people've shared.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: joann on January 24, 2012, 12:21:53 PM
I want to do the 3 browser method with chase, amex and citi- what are the best three of each for earning miles? I currently have amex spg spg since 2009 with good credit only one pull on transunion.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: txtmax4 on January 24, 2012, 12:48:34 PM
Keep in mind that moving around CL's means they aren't issuing you new credit so it isn't any sort of additional risk they are incurring to warrant AA
How is that new credit? Moving existing credit from one cc to the other..
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: smurf on January 24, 2012, 01:24:51 PM
Keep in mind that moving around CL's means they aren't issuing you new credit so it isn't any sort of additional risk they are incurring to warrant AA
How is that new credit? Moving existing credit from one cc to the other..
HUH?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 24, 2012, 01:34:33 PM
I want to do the 3 browser method with chase, amex and citi- what are the best three of each for earning miles? I currently have amex spg spg since 2009 with good credit only one pull on transunion.

Welcome to the forums!

Note that with Chase you might have to fight to get the third app approved, see here (http://forums.dansdeals.com/index.php?topic=8028.0) for an overview of current offers.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: txtmax4 on January 24, 2012, 11:05:39 PM
HUH?
Sorry, missed the "n't"..
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cbs on January 25, 2012, 12:09:46 AM
I'll make you a deal for your next ten questions (within reason). I'll answer all of them if the following criteria are met:

1. Your questions are written reasonably clearly.
2. You don't get an answer within three days.
3. You don't bump the question(s) during those 3 days.
4. You post in the appropriate forum/thread.
5. You don't ask a "new" question that's basically the same question as the last 3 questions
6. You post all you questions/statements in one post in oppose to 3 posts one after the other (same applies to quoting ppl)

Your welcome AsherO ;)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 25, 2012, 12:13:16 AM
Your welcome AsherO ;)

I prefer to answer the same question 10 times and fulfill my commitment to him :P
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cbs on January 25, 2012, 12:17:01 AM
I prefer to answer the same question 10 times and fulfill my commitment to him :P
I guess that's where we differ, to answer the same question 10 X (especially from the same person!) I've got an issue with (never mind a double repost! :D )
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 25, 2012, 12:20:14 AM
I guess that's where we differ, to answer the same question 10 X (especially from the same person!) I've got an issue with (never mind a double repost! :D )

I can just quote all 10 questions and post one answer, we can call it a reverse-Cbs ;)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Cbs on January 25, 2012, 12:23:17 AM
I can just quote all 10 questions and post one answer, we can call it a reverse-Cbs ;)
Haha! idk if I'd call it reverse it may still fall into category as "pull" but in any case, that post would put a big smile across my face!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on January 25, 2012, 12:26:16 AM
Haha! idk if I'd call it reverse it may still fall into category as "pull" but in any case, that post would put a big smile across my face!

Time to get to work :D
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: arig on January 25, 2012, 11:51:38 AM
i know this was addressed somewhere in a thread but for the life of me, i cannot remember where i saw it. ive been lookin around for it but cannot find it.
 i applied for the UA card and i got this msg-
We have received your application. Our analysts are currently reviewing your application, and our goal is to notify you within 10 days of this application. Notifications are usually sent within this time, but in some circumstances it may take up to 30 days for processing.
i remember seein a post that said if ur decision pending was worded a certain way, u can deduce how likely u are to get approved...can anyone post the appropriate link if they know where it is?? TIA!!!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on January 25, 2012, 12:00:53 PM
i know this was addressed somewhere in a thread but for the life of me, i cannot remember where i saw it. ive been lookin around for it but cannot find it.
 i applied for the UA card and i got this msg-
We have received your application. Our analysts are currently reviewing your application, and our goal is to notify you within 10 days of this application. Notifications are usually sent within this time, but in some circumstances it may take up to 30 days for processing.
i remember seein a post that said if ur decision pending was worded a certain way, u can deduce how likely u are to get approved...can anyone post the appropriate link if they know where it is?? TIA!!!

This trick (http://forums.dansdeals.com/index.php?topic=11440.msg143300#msg143300) is for when you call Chase: 800-432-3117 (Application status) not for the message that pops up after the app.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on January 25, 2012, 12:24:38 PM
When closing a card to avoid paying the annual fee, are you able to move the CL over to another card so as not to lose it completely?
I was able to close my SW and move the entire CL over to my SP without any problem. Well, unless if you consider the CSR spending 10 minutes trying to convince me to keep the card as a problem.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on January 25, 2012, 12:34:14 PM
i know this was addressed somewhere in a thread but for the life of me, i cannot remember where i saw it. ive been lookin around for it but cannot find it.
 i applied for the UA card and i got this msg-
We have zreceived your application. Our analysts are currently reviewing your application, and our goal is to notify you within 10 days of this application. Notifications are usually sent within this time, but in some circumstances it may take up to 30 days for processing.
i remember seein a post that said if ur decision pending was worded a certain way, u can deduce how likely u are to get approved...can anyone post the appropriate link if they know where it is?? TIA!!!

http://forums.dansdeals.com/index.php?topic=11440.msg143300#msg143300
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on January 25, 2012, 05:33:25 PM
With the co opp - after spending $25k annually,  you get 10k bonus miles. 
Is that per calendar year or per 12 month period?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on January 25, 2012, 06:12:09 PM
calendar
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on January 25, 2012, 06:25:02 PM
calendar

Thanx
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on January 28, 2012, 12:17:03 PM
The app may look the same but what's the code behind it. I f you look at an app from chase.com (without any referral) the address ends in DKWN&CELL=6154. If you look at the one from mastercard.com it ends in DKWS&CELL=62R6#. I have no idea what these codes mean but it may be the difference between a visa and a mc.
A friend of mine has confirmed that the link will get you an MC
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Jkhein on January 28, 2012, 05:55:43 PM
Are lenders required by law to disclose your credit score to you if they deny your application? I once ready that if they dont approve you than they must disclose which bureau they pulled from, their contact details and the score. Citi are refusing to tell me the score, only saying to contact equifax.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on January 28, 2012, 06:40:42 PM
Are lenders required by law to disclose your credit score to you if they deny your application? I once ready that if they dont approve you than they must disclose which bureau they pulled from, their contact details and the score. Citi are refusing to tell me the score, only saying to contact equifax.

Chase and amex give you your score, I don't see why citi shouldn't.
http://forums.dansdeals.com/index.php?topic=8028.1260
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on January 28, 2012, 06:44:49 PM
Are lenders required by law to disclose your credit score to you if they deny your application? I once ready that if they dont approve you than they must disclose which bureau they pulled from, their contact details and the score. Citi are refusing to tell me the score, only saying to contact equifax.
as long as the reason why they are denying you credit is because of your score they have to tell you
http://blog.creditkarma.com/credit-karma/see-your-credit-score-for-free-starting-july-21-%E2%80%A6but-only-if-you-apply-for-credit/

Title: Re: Re: DansDeals Credit Card Links And FAQ's.
Post by: creditor on January 28, 2012, 07:18:59 PM
as long as the reason why they are denying you credit is because of your score they have to tell you
http://blog.creditkarma.com/credit-karma/see-your-credit-score-for-free-starting-july-21-%E2%80%A6but-only-if-you-apply-for-credit/
+1
read also over here (http://about.americanexpress.com/cr/cbr3.aspx)
Title: Re: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on January 28, 2012, 08:21:47 PM
+1
read also over here (http://about.americanexpress.com/cr/cbr3.aspx)

+2
That's what I posted a couple of pages back.

If you check the link I posted above,  you will see that people have gotten their score even after being approved - so its not just for denials.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: steeeveknowsbest on January 29, 2012, 12:17:40 AM
I have a amex plat i need do cancel but no other MR cards under my name,
My wife on the otherhand has a business gold card open,

Question:
 can i make myself a AU on the gold in order to retain the points after i cancel or will that not work?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on January 29, 2012, 12:42:29 AM
I have a amex plat i need do cancel but no other MR cards under my name,
My wife on the otherhand has a business gold card open,

Question:
 can i make myself a AU on the gold in order to retain the points after i cancel or will that not work?
will not
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: steeeveknowsbest on January 29, 2012, 10:40:57 PM
just a useful tip if anyone is interested;

I called Amex MR department twice today to get pending points expedited,
in the past I've had to call several times and finagle and whine,

This time i just said that i wanted to take advantage of the BA 30% bonus transfer offer  before it expires at the end of the month and both times they granted me the points immediately with no argument!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on January 30, 2012, 11:33:20 AM
Will the 4 credit pulls and 2 card closures from the last few months affect my approval for a car lease? My credit score was in the 750 range before I began all the apps, and I have had a car lease that was always paid on time.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Drago on January 30, 2012, 01:34:37 PM
will not
AMEX agreed to allow my wife to transfer her points to my account if she is an AU on one of my cards. Now I just need to take care of it.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: stever on January 30, 2012, 01:36:02 PM
i am going on virgin america flight this week out of lax, will ink bold get me into a lounge? (if there is any)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: voldemort on January 30, 2012, 03:32:32 PM
a boa rep just told me that 2 inquiries in the same month only count as 1 as far as lowering ur score,anyone ever hear this? does not sound right
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: jack on January 31, 2012, 01:17:50 AM
Todays mail - 100k for opening platinum bus. card and 10,000 speny by June.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: SPLP on January 31, 2012, 02:27:46 AM
more info please -- offer code- or any info u have

tks
Title: Re: Re: DansDeals Credit Card Links And FAQ's.
Post by: creditor on January 31, 2012, 08:33:39 AM
a boa rep just told me that 2 inquiries in the same month only count as 1 as far as lowering ur score,anyone ever hear this? does not sound right
IME thats exactly what happened to me in even more then 1 month period, multiple inquiries doesn't necessarily mean multiple score drop, it depends on other factors on your credit report like credit age etc
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on February 01, 2012, 09:26:10 PM
whats the best card to charge a hotel stay (5k)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on February 02, 2012, 06:42:49 AM
whats the best card to charge a hotel stay (5k)
The one with the magnetic strip
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Red on February 02, 2012, 07:03:22 AM
The one with the magnetic strip

(http://img389.imageshack.us/img389/3093/rotflcopter1208jv.gif) (http://imageshack.us/photo/my-images/389/rotflcopter1208jv.gif/)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Chaikel on February 02, 2012, 07:19:05 AM
An answer can only be as specific as the question asked
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on February 02, 2012, 09:52:04 AM
staying at a priority club hotel.witch cc would i use to get the most points
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on February 02, 2012, 09:59:56 AM
staying at a priority club hotel.witch cc would i use to get the most points

Still a rather vague question. You simply want the most in nominal return (# of points)? Or are you asking for real return (amt of value)?

If you use a Chase PC, you'll get 25,000 PC points, but that equals no more than $150.

If you use Chase SP, you'll get 10,700 UR points, which equals no less than $160.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on February 02, 2012, 10:03:43 AM
If you use Chase SP, you'll get 10,700 UR points, which equals no less than $160.

True for CO transfers, which is their best redemption, but theoretically you can get lousier values by booking travel with points etc.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on February 02, 2012, 10:06:02 AM
True for CO transfers, which is their best redemption, but theoretically you can get lousier values by booking travel with points etc.

I thought about that, but in the worst case, they can be sold for more than a lousy 1.25cpp.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on February 02, 2012, 10:10:01 AM
I thought about that, but in the worst case, they can be sold for more than a lousy 1.25cpp.

Agreed.

whats the best card to charge a hotel stay (5k)

Which hotel ( is it part of a chain)? Which cards do you have (or would you apply for the card just for the $5k charge)?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: asks on February 02, 2012, 10:10:58 AM
For Citi Premier TY card, does anyone know when $125 annual fee is charged? First billing cycle or end of first yr?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on February 02, 2012, 10:15:27 AM
For Citi Premier TY card, does anyone know when $125 annual fee is charged? First billing cycle or end of first yr?

AFAIK Annual fees are always charged the first month of each* year starting when you were approved, not by calendar year.

*)unless it's waived, which is typical for many offers.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: asks on February 02, 2012, 10:22:58 AM
AFAIK Annual fees are always charged the first month of each* year starting when you were approved, not by calendar year.

*)unless it's waived, which is typical for many offers.
thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on February 02, 2012, 10:56:31 AM
Agreed.

Which hotel ( is it part of a chain)? Which cards do you have (or would you apply for the card just for the $5k charge)?
crown plaza. i have sp, prg, plat, citi aa, spg, co, ua, slate freedom, citi div,and some more
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on February 02, 2012, 11:00:01 AM
crown plaza. i have sp, prg, plat, citi aa, spg, co, ua, slate freedom, citi div,and some more

SP will give you 2.14 on travel. The Chase PC card will give you 5x points, but I don't think it's worth applying for just for that.

If you want to sign up for it, it seems they have an 80k offer (https://www.mychasecreditcards.com/ihg/inhotel80k).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: dans fan on February 02, 2012, 11:24:00 AM
 its not a bad signup offer ($480) but it wont make it on time .  pc points are worth .06 and sp is about  .18. (5 times .06= .3, .18 times 2.14 =3.85) so i will go with the sp then. thnx
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on February 02, 2012, 11:36:55 AM
its not a bad signup offer ($480) but it wont make it on time .  pc points are worth .06 and sp is about  .18. (5 times .06= .3, .18 times 2.14 =3.85) so i will go with the sp then. thnx

There you go, glad you were able to finish the thought (based on your own valuations).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AJK on February 02, 2012, 12:03:53 PM
its not a bad signup offer ($480) but it wont make it on time .  pc points are worth .06 and sp is about  .18. (5 times .06= .3, .18 times 2.14 =3.85) so i will go with the sp then. thnx

Better late than never.

Still a rather vague question. You simply want the most in nominal return (# of points)? Or are you asking for real return (amt of value)?

If you use a Chase PC, you'll get 25,000 PC points, but that equals no more than $150.

If you use Chase SP, you'll get 10,700 UR points, which equals no less than $160.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 02, 2012, 12:43:21 PM
You might want to consider SPG, if you value it at >2.14).
How so?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on February 02, 2012, 12:54:29 PM
How so?

Brain fart.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on February 02, 2012, 04:17:09 PM
not sure why i couldn't find a thread on amex recon?

anyway is there another number to call if you strike out with the one in the op?

also if im calling for a friend what info do i need to get from him to confirm "my identity"?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on February 02, 2012, 05:11:57 PM
  Read it somewhere but forgot. Now that I got the CO OPP 25K +5k Au 1st use personal today , do I request bump to 50k when activating it or via SM . And in either case what do I tell them ??
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: T kay on February 03, 2012, 08:19:14 AM
Q: Ive had an citi secured card for about a year & an cap1 journey card for 7 month
     (credit score772 , Last pull cap1 7 month ago  citi 13 month ago)

Is it a bad idea to try a 3bm with chase , as I dont have any cards currently with them for leverage  ?
2.is it better to try  1 amex 1 chase & 1 citi ?
Or to just try one card for now?
or just to wait a bit more ?!
TIA!!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: myb821 on February 03, 2012, 08:27:20 AM
Q: Ive had an citi secured card ($300) & an cap1 journey card for about a year now ,(13m.)
Is it a bad idea to try a 3bm with chase , as I dont have any cards currently with them for leverage  ?
2.is it better to try  1 amex 1 chase & 1 citi ?
Or to just try one card for now?
or just to wait a bit more ?!
TIA!!
personally i would go for a 3bm since there is a decent chance you might get instant approvals
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: SPLP on February 03, 2012, 11:00:41 AM
personally i would go for a 3bm since there is a decent chance you might get instant approvals

I would do one each citi chase etc -- why not get 3 cards for sure vs. a maybe -- if for some reason  ur 3bm it did not work out u will not get the 3 cards -- i think much better chance to get one card from each -- good luck --and i would not worry now about 3 pulls vs one pull on a 3 bm -- from ur info , u have not been active with c.c. t/4 u have no real recent pulls
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: westman812 on February 03, 2012, 12:08:50 PM
I apologize if this is common knowledge or has been answered before(I promise I'm not one of those guys that just posts questions without searching first); When getting an AMEX sign-up bonus for meeting a spending threshold, do you get the spending points in addition to the bonus(ie 85K points on a 75K bonus for spending $10K offer) or is it an exchange of points for meeting threshold( $10K for 75k points)? I know some cc's give you both....thanks
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on February 03, 2012, 12:10:01 PM
I apologize if this is common knowledge or has been answered before(I promise I'm not one of those guys that just posts questions without searching first); When getting an AMEX sign-up bonus for meeting a spending threshold, do you get the spending points in addition to the bonus(ie 85K points on a 75K bonus for spending $10K offer) or is it an exchange of points for meeting threshold( $10K for 75k points)? I know some cc's give you both....thanks

All CCs I know of give you both.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: PETERP on February 03, 2012, 11:36:59 PM
All CCs I know of give you both.

+1  I have gotten sign up promo plus points / miles across Chase Citi and Amex platforms !
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: T kay on February 04, 2012, 03:36:39 PM
personally i would go for a 3bm since there is a decent chance you might get instant approvals
I would do one each citi chase etc -- why not get 3 cards for sure vs. a maybe -- if for some reason  ur 3bm it did not work out u will not get the 3 cards -- i think much better chance to get one card from each -- good luck --and i would not worry now about 3 pulls vs one pull on a 3 bm -- from ur info , u have not been active with c.c. t/4 u have no real recent pulls
Thanks for the response !
Would anyone recommend waiting  ? :-\ :-\
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on February 04, 2012, 07:58:57 PM
I would unfreeze temporarily as it is safer frozen. Also, I may be wrong here, but I don't think you need to unfreeze it (and thus have to pay the 5 dollars), Amex will ask you for the code and do it themselves.

Does anybody know how long you need to wait to apply after unfreezing your reports?

"If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your own applications for credit. You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, a few days before actually applying for new credit."

Does that mean to unfreeze before you apply? or to give some time after you unfreeze?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on February 04, 2012, 08:13:38 PM
Does anybody know how long you need to wait to apply after unfreezing your reports?

"If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your own applications for credit. You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, a few days before actually applying for new credit."

Does that mean to unfreeze before you apply? or to give some time after you unfreeze?

Recently asked (http://forums.dansdeals.com/index.php?topic=6609.msg179437#msg179437) and answered (http://forums.dansdeals.com/index.php?topic=6609.msg179889#msg179889).
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: leeboy on February 04, 2012, 09:04:26 PM
Recently asked (http://forums.dansdeals.com/index.php?topic=6609.msg179437#msg179437) and answered (http://forums.dansdeals.com/index.php?topic=6609.msg179889#msg179889).

Thanks
I could have sworn i searched every possible word :)
Title: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on February 04, 2012, 11:23:59 PM
I've seen reports that chase doesnt let you downgrade within the first year of a getting a card. Does anyone have an experience either way with this with Amex?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: SPLP on February 05, 2012, 03:45:35 AM
I've seen reports that chase doesnt let you downgrade within the first year of a getting a card. Does anyone have an experience either way with this with Amex?
FWIK--u can downgrade during the first year -- if it is a charge card ( plat etc) need to down grade to another charge card ( gpr or basic green )
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: moko on February 05, 2012, 08:22:47 AM
or zinc ($25)
(but with zinc u cant transfer to airlines sort of like s vs. sp)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yitzf on February 08, 2012, 03:27:06 PM
I'd link to apply for the Ink bold +1 more with a 2bm

1) Will biz + reg = 2 pulls?
(Iv'e seen it discussed with Amex (http://forums.dansdeals.com/index.php?topic=8028.180) and Citi (http://forums.dansdeals.com/index.php?topic=3104.msg103891#msg103891) but couldn't find any confirmation regarding chase, although there is some discussion here (http://forums.dansdeals.com/index.php?topic=12185.msg161336#msg161336) )

2)any suggestions for a second card, i would like something i could get cash for (currently have sapphire(reg), SP and CO)
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on February 08, 2012, 07:14:13 PM
If you plan on buying gc's in bulk what do you think of the Citizens Bank CashBack Platinum MasterCard (http://www.citizensbank.com/cards-and-rewards/credit-cards/cashback-platinum-mastercard.aspx)? Seems to be 10% back on gas and groceries for first 3 months

Hard pull?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: steeeveknowsbest on February 08, 2012, 08:17:11 PM
Hard pull?
:o Why not? AFAIK all Credit or charge cards are a hard pull...
Am i missing something?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Saver2000 on February 08, 2012, 08:21:07 PM
:o Why not? AFAIK all Credit or charge cards are a hard pull...
Am i missing something?

Someone just posted about it in the venmo thread and I got the impression that it was a debit card. As soon as I checked the link I saw that it was a cc.

 I never doubted that a cc wouldn't require a hard pull.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: arig on February 09, 2012, 05:12:28 AM
I recently applied and was approved for the UA card and was matched to the 50K offer. I got an email today basically saying please use your card etc.. I was readin the fine print and I noticed this..1 You will earn 1 mile for each $1 of net purchases. You will earn 1 additional mile for each $1 of net purchases made directly from United and on tickets purchased directly from Continental and at continental.com. You will also earn 1 additional mile for each $1 of net purchases made at merchants that classify their merchant locations for Visa/MasterCard in any of the following categories: office supply stores and wholesale distributors, DINING ESTABLISHMENTS, and GAS STATIONS. I had no idea this card offered double points on these purchases!this def isn't stated on the app...does anyone have any experience with this??
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 10, 2012, 11:40:03 AM
Updated with Business Plat 25K offer.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mclovin on February 11, 2012, 10:31:21 PM
if someone has bad credit does using a targeted offer (very good one) increase their chance of being approved
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 11, 2012, 10:33:06 PM
if someone has bad credit does using a targeted offer (very good one) increase their chance of being approved
Not in the slightest.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mclovin on February 11, 2012, 10:47:05 PM
if i use your link i can switch it to the targeted offer after, right?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 11, 2012, 10:47:42 PM
if i use your link i can switch it to the targeted offer after, right?
Which offer are you referring to?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mclovin on February 11, 2012, 10:49:14 PM
my mother got offer for amex gold 50k points after 1k spending
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 11, 2012, 10:51:21 PM
my mother got offer for amex gold 50k points after 1k spending
For AMEX use the targeted offer, they're not good with matching.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Drago on February 12, 2012, 02:41:24 PM
For AMEX use the targeted offer, they're not good with matching.

Ahhh, I remember the old days...
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mb on February 13, 2012, 07:47:35 PM
What's the best available deal now for the SPG Amex?  Please advise both re personal and business.  Thanks!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 13, 2012, 07:57:54 PM
Look at the OP
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bubbles on February 14, 2012, 02:03:51 PM
not sure why i couldn't find a thread on amex recon?


the first csr told me that there is no way for them to reconsider an app that was denied for not enough credit history and the second one told me they can but it's going to cost another pull and he doesn't like my chances.

anyone with experience with amex recon?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: interested on February 20, 2012, 02:31:52 PM
is the post by Dan on this thread updated?
if it is, maybe you could say that it is at the top of that post.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 20, 2012, 11:12:23 PM
is the post by Dan on this thread updated?
if it is, maybe you could say that it is at the top of that post.
If you find something out of date then let me know.

I've added a few Canadian cards to the OP.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: mclovin on February 20, 2012, 11:45:19 PM
is the post by Dan on this thread updated?
if it is, maybe you could say that it is at the top of that post.
at the bottom of the post it says when it was last edited
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on February 21, 2012, 08:25:43 PM
Hey Dan,

I never noticed it before but I just saw that American Express also offers a Hilton HHonors credit card with 40,000 bonus points for spending $750 and no annual fee.  Any reason it's not included in the OP?  I got the Citibank HHonors card through your link and while browsing HHonors.com found a link for the Amex Card.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 21, 2012, 08:38:34 PM
Hey Dan,

I never noticed it before but I just saw that American Express also offers a Hilton HHonors credit card with 40,000 bonus points for spending $750 and no annual fee.  Any reason it's not included in the OP?  I got the Citibank HHonors card through your link and while browsing HHonors.com found a link for the Amex Card.
Why waste an AMEX approval for $200 worth of points?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 21, 2012, 08:40:27 PM
Premier Rewards Gold in the OP now gives 25K for spending $2,000.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: bem684 on February 21, 2012, 08:41:52 PM
I don't know, maybe some people like Hilton hotels and already have the other good Amex cards?  Also no annual fee is nice in case you want to keep open one Amex long term while closing others yearly.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 21, 2012, 08:44:08 PM
I don't know, maybe some people like Hilton hotels and already have the other good Amex cards?  Also no annual fee is nice in case you want to keep open one Amex long term while closing others yearly.
So start churning the other ones?
There's not really any benefit per se in having a AMEX long term, as they always report the age of your first AMEX card on the report.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Zeeeeks on February 21, 2012, 09:33:35 PM
the first csr told me that there is no way for them to reconsider an app that was denied for not enough credit history and the second one told me they can but it's going to cost another pull and he doesn't like my chances.

anyone with experience with amex recon?
Bump!

Any help with AMEX recon? They wouldn't budge without a hard pull and said my chances are pretty slim even though my score is 740.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on February 22, 2012, 12:43:12 PM
So start churning the other ones?
There's not really any benefit per se in having a AMEX long term, as they always report the age of your first AMEX card on the report.
What about the additional year warranty? that wont work once the card is closed.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: AsherO on February 22, 2012, 12:47:32 PM
What about the additional year warranty? that wont work once the card is closed.

Might not (http://forums.dansdeals.com/index.php?topic=8415.msg142443;topicseen#msg142443) be an issue.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 22, 2012, 01:49:38 PM
Might not (http://forums.dansdeals.com/index.php?topic=8415.msg142443;topicseen#msg142443) be an issue.
I confirmed it over the phone as well, any active card and you're fine.
Obviously get it in writing though for yourself.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yitzf on February 22, 2012, 01:58:37 PM
I confirmed it over the phone as well, any active card and you're fine.
Obviously get it in writing though for yourself.
sent an SM, will report
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: yitzf on February 22, 2012, 04:33:20 PM
sent an SM, will report
Response (Rahul Mishra)     02/22/2012 03:48 PM
Dear XXXXX,

Thank you for writing in.

Your Card account must be in good standing to claim Return Protection benefit.

You will need to contact one of our licensed insurance agents to check eligibility for Extended Warranty and Purchase Protection benefits. You may reach our insurance agents at 800-225-3750 (Prompt 1 – English. Then Prompt 2.).

I hope you find this information useful.

Sincerely,

Rahul Mishra
Email Servicing Team
American Express Interactive Services


Sounds like we could definitely try again
i dont think she understood the question
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 22, 2012, 04:36:23 PM
Try social media.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Avid Reader on February 22, 2012, 11:50:10 PM
I'd rather just stick with one card I always keep open.

Perhaps after I see some people confirm that they actually received warranty coverage on a closed card, I'll change my mind.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 23, 2012, 07:22:06 PM
CO OPP will end on 02/29.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on February 24, 2012, 12:55:56 AM
CO OPP will end on 02/29.

I closed mine on 12/19. Is it too soon to apply again? Want another taste of that 50K before it goes away.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 24, 2012, 12:58:28 AM
I closed mine on 12/19. Is it too soon to apply again? Want another taste of that 50K before it goes away.
Go for it!
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Shmelly on February 24, 2012, 01:04:56 AM
Forgot to mention: I did a 2BM in Nov and a 3BM in Dec. Still say go for it?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 24, 2012, 01:07:12 AM
Forgot to mention: I did a 2BM in Nov and a 3BM in Dec. Still say go for it?
2 months between 3BMs can be done IME, though they will ask you for your reasons.  If you stay cool and can move around credit instead of asking for new credit you should be fine.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 24, 2012, 01:04:06 PM
Apparently Chase is refreshing the Hyatt offer again.
The card will be taken down today at 6pm until Monday.

If you want the card apply now and you will be able to get matched if they sweeten the offer and if they make the offer worse you'll be locked into the better offer.
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 26, 2012, 04:47:49 AM
Another look at the top offers:
http://www.dansdeals.com/credit-cards
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: pharmdear on February 26, 2012, 07:49:39 PM
Here is the response from chase when I tried to do an offer match.

Dear *****

Thank you for contacting Chase.

I would like to inform you that your card is eligible to
receive 50,000 bonus points automatically after completing
$3000.00 in purchases within 93 days from the account open
date. In order to match 75,000 points offer on your
existing Sapphire account, please reply to this e-mail
with the Offer Code and Invitation Number that were
included on the direct mail offer that was addressed to
you.

Once we receive your reply, we will be happy to submit the
request to update the other 25,000 points rewards on your
account. If you were not the recipient of the mailing, we
will be unable to honor the request to apply the offer to
your account.

We value your business. If you have any additional
questions, please reply using the Secure Message Center.

Thank you,

Tamseel Kardame
E-mail Customer Service Advisor
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: aryeh1 on February 27, 2012, 12:55:09 PM
How long does it ake for an approved card to show up on online profile?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 27, 2012, 12:58:15 PM
How long does it ake for an approved card to show up on online profile?
Which bank? Consumer or business card?
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: aryeh1 on February 27, 2012, 12:58:54 PM
chase consumer sorry
Title: Re: DansDeals Credit Card Links And FAQ's.
Post by: Dan on February 27, 2012, 12:59:23 PM
chase consumer sorry
Within a week or so.
Title: Re: DansDeals Credit Card Links And