DansDeals.com Forums
DansDeals Forum => Credit Cards => Topic started by: Dan on June 07, 2011, 11:29:45 AM
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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.
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u should prob sticky this at the top of the cc forum
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where is hyatt?
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where is hyatt?
Added, thanks!
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aadvantage?
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Been waiting for a consolidated thread like this! Sticky!
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thank you Dan! one stop shopping!
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aadvantage?
http://www.dansdeals.com/forums/index.php?topic=3104
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I meant why wasn't it on this thread.
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its not his personalized link their are only generic links
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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.
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Why no Hilton Amex?
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amazing! thanks!
now let me able to just be approved for ccs....
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Can you please put the active sign up offer next to each one
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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?
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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.
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Dan, are you making sticky for this on top of CC forum page?
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Updated with some of the bonuses/benefits of each card.
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Updates with some of the bonuses/benefits of each card.
Thanks!
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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.
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gr8 job
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Updated with some of the bonuses/benefits of each card.
This is awesome :)
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UA 50k match? No mention of that .
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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!!
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Awesome thread!
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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.
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UA 50k match? No mention of that .
Added, thanks.
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More FAQ info added.
Please post any other suggestions for the OP.
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Wow! Great compilation. Thanx Dan.
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Barclay's USAirways?
BoA Alaska Air?
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Excellent thread.
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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?
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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
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Great Thread Dan, perfect for n00bs and definitely helpful for veterans (or wtvr ye call them) Looks like a lotta work went into it.
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Dan, no Cap1 links?
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Dan, no Cap1 links?
Nope.
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Thanks dan for all the good u do
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thanks
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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
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Maybe add links for "first card"
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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!!
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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 :)
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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).
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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?
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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.
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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?
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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.
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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?
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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.
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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?
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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
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also if u tell us where u live we will have a better idea of where ur pulls come from
Florida
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also if u tell us where u live we will have a better idea of where ur pulls come from
Los Angeles
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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
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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
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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.
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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?
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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.
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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?
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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.
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chase verifications dept (800-278-8830)
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chase verifications dept (800-278-8830)
What do they do?
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What do they do?
i don't know i just found it on the forums some where
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Maybe different zip codes use different billing centers.
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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_
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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
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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
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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
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Should've retrieved the appID from your browser list...
You can try this method:
Ok ill keep you posted.
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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!
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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.
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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?
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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.
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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.
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i once did two apps a few hours apart and got one pull go for it it might be worth it
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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?
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That works for me Ill try it then on your say so- but which ones to do???
Continental and Hyatt?
sure
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How about adding the Amex Mr Dpt. to the list of phone numbers:18002973276
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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...
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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!
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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...
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how do i freeze a report and does it cost money ?
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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)
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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...
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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...
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oy..again with the see discussion before.
I need spoon feeding please... :)
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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
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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.
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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.
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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!
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Btw, I only got one pull yesterday even though I applied hours apart. As you said......Thanks!
np
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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?
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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.
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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.
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how long does it take to freeze once submitted
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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.
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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
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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)
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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?
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BofA reconsideration 866-458-8805
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Any feelings/thoughts/comments on the new US Air 40k offer??
https://www.barclaycardus.com/apply/Landing.action?campaignId=1465&cellNumber=142&referrerid=genjun11
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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.
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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.
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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)
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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.
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I did it together with a US Air Biz for 80k (two 10k BTs @ $99 each). YMMV.
Have a link for the 80k?
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Have a link for the 80k?
80k combined.
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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.
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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?
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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.
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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?
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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.
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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.
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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
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More helpful to provide a specific discussion link and/or reference.
I sought and I found!
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I sought and I found!
I told you so :P
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Do you think you could add Chase Continental Presidents Plus card?
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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!
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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 ;)
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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.
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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...)
:)
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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)
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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?! :)
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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
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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!
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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.
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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.
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Update: Freedom $200 Cash Back, (http://www.dansdeals.com/go/freedom200) now only requires $500 spend for signup bonus threshold.
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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?
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did you get Amex to match your bonuses?
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did you get Amex to match your bonuses?
Sure!
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Just did 3 cards in one call
gold consumer card =74k gold business card =75k amex plat 100k
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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???
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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
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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.
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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...
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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.
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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?
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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.
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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.
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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.
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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.
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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?
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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.
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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?
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Try again?
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Try again?
With which dept.?
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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?
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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?
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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.
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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?
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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
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umm how r u getting 15% interest?
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Seems he's carrying a balance and 'saving' 15% interest. But I consider the 3-5% fee interest as well.
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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?
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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.
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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?
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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
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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).
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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!
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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?
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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
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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.
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what happens if u apply to zmex and u have a freeze or 2
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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.
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Dan, I just noticed..... did you mean to leave out the Chase BA card or was that a mistake?
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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!
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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
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I guess Dan doesn't consider 50k BA to be worth anything :P
Not worth wasting a one-time only app on 50k IMHO.
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Not worth wasting a one-time only app on 50k IMHO.
Unless it's CO/UA :P
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Not worth wasting a one-time only app on 50k IMHO.
What do you mean one time only?
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What do you mean one time only?
BA is virtually unchurnable at this point.
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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?
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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.
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Is it just me or you can churn amex cards one after another?
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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...
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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!
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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.
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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.
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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.
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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
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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?
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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
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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.
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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
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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.
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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?
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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.
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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....
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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.
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Do u mean possibly TTFTT
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Do u mean possibly TTFTT
One risk, possibly two credit hits.
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Possibly three if one for personal cc one for biz cc and one for charge. But I agree it is a slim chance
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I did plat-gold-business gold, in NY with one pull
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I did plat-gold-business gold, in NY with one pull
All charge, hmmm.
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Well that at least means biz and personal all get one pull
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Well that at least means biz and personal all get one pull
I'll say it again, YMMV.
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the link to united doesn't work anymore. Does anyone know why?
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the link to united doesn't work anymore. Does anyone know why?
Clear your cookies
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it might be gone they were ending marketing today at some point
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it might be gone they were ending marketing today at some point
Looks like it works for me.
http://dansdeals.com/go/unitedsig
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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
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if I apply for this now, will I be able to apply for the new card that is coming out now ?
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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!
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I received an offer for the amex delta gold with 40k after 1000 spent. Is that a frequent offer?
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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?
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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?
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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
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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.
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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.
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Well that at least means biz and personal all get one pull
I got 2 pulls for personal and business
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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 :(
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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/
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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 ;)
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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?
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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.
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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...
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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.
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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).
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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?
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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....
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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?
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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.
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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.
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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.
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Would you have to call up CSR to find out the reference code for a amex app, prior to calling reconsideration?
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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)
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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.
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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/
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http://www.americanexpress.com/myappstatus/
Can you see appIDs there (for pending apps)?
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Can you see appIDs there (for pending apps)?
dont think so
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dont think so
Isn't he looking for appIDs?
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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.
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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.
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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?
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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
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if they arent theregood chance they didnt go through call amex and ask to speak to new accounts division
Should I mention both cards?
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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?
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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
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was ur first app last night? if yes probably
yes, they were all last night.
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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.
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yes, they were all last night.
did u do it all in one browser?
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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.
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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?
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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?
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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.
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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?
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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.
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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?
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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...
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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.
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@Jasper44
Which number did you call? Try the number at www.dansdeals.com/wiki then click on recon numbes
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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!
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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?
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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.
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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?
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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
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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.
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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. :)
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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.
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@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?
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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 :)
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My brother just got in the mail today a 300 dollar cash back offer for the chase freedom. Is this new?
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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.
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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?
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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?
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Once you have the card number can't you just call the activation number and enter it?
Sure.
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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...
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Dan update with the new starwood offer
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:'( 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 :'(
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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?
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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.
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sweet! Sound like a no brainer to me!
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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.
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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.
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amex hhonors card has same thing but a 50k sign up offer and no annual fee ever
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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
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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.
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"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?
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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.
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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.
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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...
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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.
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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.
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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?
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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.
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chase told me in order to combine cards they need to pull the report is this true
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@miles
IME consolidating cards didn't need a hard pull. Maybe the csr meant a soft pull
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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?
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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.
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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
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thanx how bout the cookies
http://www.dansdeals.com/archives/15317
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thanx how bout the cookies
pressing ctrl+shift+delete, should bring up a dialog box with the option to clear cookies
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thanx all i googled it! about to apply...
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how do i get id's off the application for future ref? they are all pending mayb cuz i froze two credit agencies
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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
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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...
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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 ;)
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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!!
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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.
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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.
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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.
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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.
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whats the usual turn around time for churning chase cards? err ymmv?
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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.
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+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?
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I had the same with chase
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+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.?)
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In general, wats the benefits of a sig.?
http://www.visasignature.com
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Lemmie guess: BofA, right?
Yup. How did you know?
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Yup. How did you know?
I had a hunch, based on my own experiences with them.
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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!!
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http://www.visasignature.com
Although their concierge is quite a joke...
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Although their concierge is quite a joke...
+1
I wonder how it compares to the AMEX Plat's concierge...?
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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?
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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
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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?
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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?
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2% cash back here: www.dansdeals.com/go/perk
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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?
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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.
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Added the 75k AA links to the OP per popular request.
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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.
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Added the 75k AA links to the OP per popular request.
Thanks Dan :)
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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
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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.
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The red slash means that they're onto you. Grab some extra tinfoil.
+1, hahahaha. Fashion the tinfoil into a wizard's hat...
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The red slash means that they're onto you. Grab some extra tinfoil.
LOL
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Southwest went down to 25K...?
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Southwest went down to 25K...?
Yup, it's for a lower annual fee though.
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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
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Need to wait 60 days between Citi personal card apps.
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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).
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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..
:(
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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.
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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..?
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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.
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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...
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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
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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?
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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
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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.
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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".
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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 :)
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Need to wait 60 days between Citi personal card apps.
Appreciate the reply. enjoying the forums and insights.
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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.
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i switched to crome and it worked thanx
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Anybody have ANY advice for me? :(
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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?
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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.
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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.
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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
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Apply for 3 new cards and then you can close old cards and shift over credit to get new ones approved.
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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.
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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.
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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?
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You mean Priority Pass, right?
Priority pass, priority club, tomato tomato
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You mean Priority Pass, right?
Thanks
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Thanks
You mean Priority Pass, right?
Wow, I spy a very Miduyakdige OP for the future...
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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.
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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
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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.
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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.
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thnx
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@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
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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?
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Just missed the 30K spg...
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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?
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Just missed the 30K spg...
And the matching game just begins...
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And the matching game just begins...
You think if he applies now they would match him for an expired offer?
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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.
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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
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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.
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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?
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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
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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?
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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.
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Can someone confirm wether the chase hyatt card has an annual fee or not - it doest say in the op. Thanx
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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.
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Has anyone this year successfully applied for three Chase cards using 3BM?
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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.
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I may do a 3 chase BM tomorrow. Will report back if I do. Curious as well success rate of others.
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I've done it twice this year successfully with ease.
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Dan, what were ur card combos each time?
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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.
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Dan did you manage to get matched to the 80k for Ink Bold?
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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?
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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?
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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
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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.
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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)
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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.
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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. :-(
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but still no go. :-(
Read the OP.
The OP has also been updated with the current Citi LTOs.
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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.
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+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.
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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
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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.
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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
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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
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Ty
Glad to be of help!
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sorry guys, what's does "OP" stand for?
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sorry guys, what's does "OP" stand for?
"Original post" or "original poster".
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;)
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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.
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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 ?
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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)
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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
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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? =)
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Offer to close the BA to get SWA approved.
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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.
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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?
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Which number are you calling?
# from the OP: 888-245-0625 (Credit Analyst reconsideration)
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# from the OP: 888-245-0625 (Credit Analyst reconsideration)
Have you tried Recon?
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Have you tried Recon?
Checking my phone for that # this minute to confirm
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Seems that I may have been calling Credit Analyst recon... you think the other one would be better?
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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.
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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.
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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=
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What is 'matching'? How does it work?
Is it like calling up amex and saying that chase is offering more points?
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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.
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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?
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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?
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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)
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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!
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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
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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
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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
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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
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how is the Hilton points with redemption
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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.
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how is the Hilton points with redemption
http://hhonors1.hilton.com/en_US/hh/rewards/freenight.do
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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?
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Congrats, just spend $1.
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No, no. To clarify, I mean how do I ensure that the promotion was attached to this application/approval?
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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.
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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?
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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.
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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)
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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?
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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?
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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 ?
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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.
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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.
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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. :)
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Thanks!
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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?
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Credit pull?
The op says its a soft pull
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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
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Edit: new link http://www304.americanexpress.com/getthecard/learn-about/Hilton-HHonors-Surpass
see: http://www.dansdeals.com/forums/index.php?topic=10105.0
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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?
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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.
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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?
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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?
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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.
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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..
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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.
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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.
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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).
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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...
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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!
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did you do 2 seperate browsers (chrome, firefox)or just 2 tabs in internet explorer
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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
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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.
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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.
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True, although it is possible for two approvals of the same card to slip through.
yes but thats the exception not the rule
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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?
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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.
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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?
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ingy has a 50k chase ink bold offer dan r u gonna get it
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yup, right after I'm done with flying this 3rd leg of my nonstop mia-cle flight :P
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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?
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i got an amex gold biz for 75k in late august
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yeah but what about now? that was a month ago
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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).
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this wasnt a business card but a personal one
so is it the best personal one out there now that amex stopped matching
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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?
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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
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Hay Dan, why not edit the ink bold business to the new better bonus?
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-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
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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?
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how does this benefit work out of curiosity
http://www.continental.com/web/en-US/content/products/cards/discounts/default.aspx
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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.
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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!!
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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)
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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'?
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Three from chase, three from amex, three from citi? Nine cards? Or just the three 'best'?
the three best from each issuer
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Anyone have a sample of a letter sent to citi president? Looking for ideas of what to write.
thanks for any help.
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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:
Dear Mr. President,
How are you?
Love,
Best Citi Customer Eva.
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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.
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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?
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Do you already have a different CC with that bank?
it's my first time applying for a citi card.
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I'm talking about sending a letter for reconsideration after being denied for a cc.
Have you tried calling first?
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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.
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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.
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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.
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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?
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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
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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.
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The AMEX PRG (http://www.dansdeals.com/go/premier25k/) is tailor made for that kind of spending.
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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/)
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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).
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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?
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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)
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+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.
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Ultimate Rewards Points can be converted into United/Continental Miles.
It's official, United transfer now (in the process of going) live.
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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.
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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.
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dan,
Is $200 the best link you have for the chase freedom because I've seen $250
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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.
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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?
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@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.
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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.
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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.
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@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.
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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.
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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.
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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.
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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.
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."
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.
If so, what smaller places are you picking up these cards at?
See above.
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.
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in my experience with the PRG card shoprite got double points but target didn't.it would probably be the same for the BCP
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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.
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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
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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.
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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
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Yep.
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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.
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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).
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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
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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!
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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.
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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.
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Is there any excuse to tell recon why I want a Sapphire and sapphire preferred
They won't give you both.
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They won't give you both.
I have both
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I have both
Heh, YMMV as always then ;)
Typically they won't though.
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In dollars and cents, what's the value of a Chase UR point? .02?
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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).
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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.
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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)?
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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.
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Updated with new Marriott links
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dan u got a priority club link?
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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=#
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Citi AA Visa & Amex links appear to be dead!
getting an error message
Any new links or is the offer over?
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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).
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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.
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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?
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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!
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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.
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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
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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.
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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!
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It's been a major fiasco on AMEX's part...here's my advice:
Thanks, we'll see how that goes.
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Dan, can you add a link to the Citi Forward STUDENT Card?
It should be a different link than the regular card.
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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 ::) !
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Looks to be a public 30,000 UR ($300) offer for the freedom card
https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DN52
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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
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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.
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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).
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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.
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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).
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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.
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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.
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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
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thanks I just used this along with others 3BM style
which others
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thanks I just used this along with others 3BM style
G'luck with getting approved :D
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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!
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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.
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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 :)
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Just got my match too. I applied for the 20,000, and just got an additional 10,000 added.
Thanks bubbles.
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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 :(
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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
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If i get all three then it'll be worth 2 TU pulls. I live in NJ no one else pulls TU.
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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
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I doubt it, that usually happens when the apps get thrown out by the sysytem right away, these are all pending already.
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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
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u can check tu pulls on https://www.creditkarma.com for free
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Oh well will just wait and see
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No instant approvals though :(
Pretty sure when you freeze both E's from NJ you can't get an instant approval...
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Pretty sure when you freeze both E's from NJ you can't get an instant approval...
+1 AFAIK they manually pull your apps.
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+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.
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Anyone know if if the fee for Global Entry is credited back on a Plat AU?
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Anyone know if if the fee for Global Entry is credited back on a Plat AU?
Yup.
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+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."
:(
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+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.
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The credit is posted on the primary account though.
U should be able to get credit for all AU's as well.
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I'm aware.
However, the credit shows up on the primary statement and not the AU.
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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?
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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.
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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...
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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.
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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 =)
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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?
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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.
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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?
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+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.
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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?
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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.
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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.
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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...
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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.
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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?)
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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
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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.
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Then why would the system indicate his TU was frozen too?
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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.
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(i didnt read much) but what happens to my chase sapphire points when i cancel my sapphire card? thnks :)
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(i didnt read much) but what happens to my chase sapphire points when i cancel my sapphire card? thnks :)
u lose them
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It tried two and assumed? It's hard to know this stuff for sure.
That'd be peculiar.
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(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.
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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!
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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.
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thank u that was helpful info!
YW! Happy to help.
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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
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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?
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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!
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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?
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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.
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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.
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Thanks!
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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
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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!
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I tried pushing through the third card but was cited the 2 cards in 30 days limit. Anybody have recent experience with this issue?
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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
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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.
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(If all else fails) Call as soon as the 30 days are up :P
haha
that would mean applying again
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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.
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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.
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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
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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...)
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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.
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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.
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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.
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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
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if i get 2 cc by chase 1 continental 1 united would they give me on both mileage ???
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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.
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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
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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.
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thanks, the SAPPHIRE PREFERRED, could be transferd to one pass??
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thanks, the SAPPHIRE PREFERRED, could be transferd to one pass??
Affirmative
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Dan, I saw a Chase Freedom $250 offer out, can you get that link? (op only has 200)
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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
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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.
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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
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+1000000
true dat
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(Dan,) Is it hard for Dan/him to speak the Chase affiliate to up the link?
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(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.
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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...
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the chase southwest link is for 25000 but main site is 50000?
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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?
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dan you still have listed the citi biz 75k
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what is the best credit card for buying gas?
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Off the bat? Probably Penfed Visa.
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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?
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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)
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I did it without referencing any code at all.
Me too.
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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
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to od penfed do you need to sign up for anything
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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)
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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:
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.
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My bad. This (https://www.penfed.org/productsAndRates/applyforloan.asp?product=Visa%20Platinum%20Rewards%20Credit%20Card) (hopefully) should answer your question.
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Just had no problem reallocating $2,500 from my UA Visa Sig opened this year (dropping the credit line to $2,500) to Freedom.
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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.
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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).
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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????????????
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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!
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Updated with the latest Slate offer for 0% BT with no BT fees.
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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?
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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
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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 ::)
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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
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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
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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!
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Thanks guys. Just got a nice SM from Chase telling me that I'll get another 20K!
Awesome!
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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?
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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.
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Thanks guys. Just got a nice SM from Chase telling me that I'll get another 20K!
how do i send a sm??
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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.
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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.
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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...
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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?
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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.
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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.
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Shortest. lived. trend. ever. :P
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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.
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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?"
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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.
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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
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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.)
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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.
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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.
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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
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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)
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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.
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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.
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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
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Do tell.
The point bonuses on the Freedom card and some of the Ink cards are being marketed as Chase Exclusive bonuses.
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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.
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Ah, right right. Thankee for clarifying.
Welcomee.
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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
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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?
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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
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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...
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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 ??
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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?
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Did you use three tabs in the same browser?
no i used ie, chrome, mozilla.
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no i used ie, chrome, mozilla.
??? Which three cards did you apply for?
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??? Which three cards did you apply for?
delta gold, gold rewards, spg
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delta gold, gold rewards, spg
How long between when you clicked submit for each app?
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seconds
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seconds
Anyone have any idea what this is about? I'm clueless...
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strange i just did a 2BMa week and a half ago no problem got spg and plat
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also wrong thread
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gold consumer charge card up to 1000 min spend from 500? The link says 500 but the landin page says 1000...
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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.
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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.
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maybe you would be able to explain me what this means,,, make sure to CHURN after you bump via SM
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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.
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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.
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just applied for ink bold got a decision pending , does any body get approved by chase right away ?
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just applied for ink bold got a decision pending , does any body get approved by chase right away ?
Of course.
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So thts already a bad simen tht they put me pending?
And when should I call in to strt the pegehning process?
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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.)
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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 ;)
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One day only. Public 75k Amex Business Gold after $10k spend
http://www262.americanexpress.com/landing-page/business-cards/sclp/bgold/pm0004/43211
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Anyone get it recently and want to try bump the bonus? Bonus ID:7616
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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
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Sorry what is OJ. Another question is churn which card(s)
Thanks
Orange Juice? :p
Jk, it's Open Jaw.
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Orange Juice? :p
Jk, it's Open Jaw.
Open Jaw explained here (http://www.travelblogs.com/articles/the-open-jaw-and-stopover).
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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.
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what is AOR
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what is AOR
Search and ye shall find.
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lol, i made a search and it came up your recent post
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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.
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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%.
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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.
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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?
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Why define success as not using recon, a very important tool?
Agreed. But recon can be a hassle too.
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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.
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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.
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I've had instant 3BMs with Citi and AMEX in the past. With Chase though I think it's always been via Recon.
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I've had instant 3BMs with Citi and AMEX in the past. With Chase though I think it's always been via Recon.
+1
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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
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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?
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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
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if i do the two cit aa (50k) whats the next best (iyo) for a third application
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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
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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
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congrats
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2/2 instant approvals? Congrads
Thanks, BH
Got the following message for one of the apps:
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...
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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.
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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
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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?
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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. :-/
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Epic disasater or not, any advice?
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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.
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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)
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If I don't fly SW and points are not transferable
You can book anyone you want with your Southwest points.
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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...
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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.
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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
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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.
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how can i apply for global entry
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how can i apply for global entry
How? By going to the site and filling out the application.
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please post the web name
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please post the web name
Global Entry.
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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?
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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.
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please explain i don't understand
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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.
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thanks, were getting smarter each day using this forum, what does YMMV stand for?
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thanks, were getting smarter each day using this forum, what does YMMV stand for?
Your mileage may vary
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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.
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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?
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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.
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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.
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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?
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I have the southwest card. Would like to switch to the chase freedom card. Can someone tell me best way to do that.
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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.
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Does it have to be a switch? Maybe consider just applying for a Freedom.
your good :D ;D
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your good :D ;D
Not mine, his.
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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?
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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.
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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.
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Thanks alot for advice.
YW, good luck with your apps.
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@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?
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@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?
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""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
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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.
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the amex blue card
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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??
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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?
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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
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yes i edited it
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can i transfer these online, or i need to call MR??
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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.
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thanks i hope i got it
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im just curious the nick cranky u picked up urself or some one labeled you with it
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thanks i hope i got it
I hope so too. ::)
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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
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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?
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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
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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
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Hi! does anyone know if its still possible to get a 25k/30k signup bonus with the starwoods card?
Thank you!!
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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?
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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.
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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?
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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?
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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.
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yes, that tactic was tried but rejected by rep as not possible based on the housing costs are jointly shared by the couple.
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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.
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sounds like the issue started with the income amount and occupation selection....
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I never till now matched the same income on all these cards, Is it a problem?
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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.
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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.
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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.
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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
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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?
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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.
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whats the highest cash back on all cat avail now
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whats the highest cash back on all cat avail now
2%.
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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 #
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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.
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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
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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.
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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??
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how can you become authorized??
Speak to your pops :P
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2%.
witch one
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witch one
Fidelity AMEX and a Capital Business card.
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Speak to your pops :P
so is it easier just to put in ssn#??
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Capital Business card.
You mean Capital One, and are referring to their Spark Cash (http://www.capitalone.com/smallbusiness/cards/spark-cash/) card.
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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.
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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.
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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.
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so how do i go about with Sole-Proprietorship??
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so how do i go about with Sole-Proprietorship??
Apply for a business card using your SSN and the name of your SP.
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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.
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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
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thanks to all of you guys for helping me out
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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.
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You can.
what more good would it do for me?
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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!
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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.
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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.
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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.
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- 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.
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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.
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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.
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You may want to consider freezing.
Doesn't freezing create it's own list of headaches?
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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?
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Doesn't freezing create it's own list of headaches?
not if you play your cards right ;D
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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
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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
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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.
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Talk to both recon numbers.
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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?
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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.
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Presidential Plus Card first year free (http://presidentialplus.com/vip)
code: DFM5URF52N7
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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.
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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 ?
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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?
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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.
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lucky you
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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.
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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.
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I'm confused about chase freedom.... does it earn straight cash back? or UR points that you can trade in for cash back?
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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
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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.
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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?
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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
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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
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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.
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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.
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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?
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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
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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
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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.
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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.
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+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.
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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.
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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.
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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.
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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).
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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:
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.
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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.
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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.
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It is definitely intended as such.
But does it work...
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But does it work...
See Joint and Several Liability (http://en.wikipedia.org/wiki/Joint_and_several_liability)
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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
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See Joint and Several Liability (http://en.wikipedia.org/wiki/Joint_and_several_liability)
Thanks, I had no idea what that meant ::)
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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).
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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
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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.
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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.
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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!
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....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!
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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.
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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?
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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
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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
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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.
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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 ! :)
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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?
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just quoting the phone chat had with Recon
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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?
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-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.
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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.
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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
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any good promo for citi biz other than the 50k aa?
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When you sign up for business card do they do a hard pull with your personal social or just with the ein?
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Yes.
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Yes.
yes to social or ein?
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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
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yes to social or ein?
Social.
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Social.
thanks
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dan on the spg per app it doesnt say anything about 15k after 5k spend
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dan on the spg per app it doesnt say anything about 15k after 5k spend
You need to clear cache/cookies or browse incognito.
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Added Citi Premier 50K card to OP.
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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?
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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).
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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!!
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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?
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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
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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.
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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
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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.
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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,
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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.
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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
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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
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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 ! ;)
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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)?
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Is this from a freezing 3BM?
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Is this from a freezing 3BM?
No. No freezing involved.
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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.
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Interesting. Thanks.
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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
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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
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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.
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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? ;)
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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 .
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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.
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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.
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thats 8
:o TKS ---sorry left off the co biz card
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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?
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Anyone know if the Ink Bold is a NPSL card or an actual charge card?
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Anyone know if the Ink Bold is a NPSL card or an actual charge card?
Charge card.
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Charge card.
Excellent, thanks for prompt reply.
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Charge card.
so what is the credit line i have on it
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so what is the credit line i have on it
AFAIK there is no CL on a charge card.
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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
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Anyone know if the Ink Bold is a NPSL card or an actual charge card?
Excuse my ignorance but what's the difference?
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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.
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Excuse my ignorance but what's the difference?
NP. You're permitted to leave a balance on a Credit card, not a charge card.
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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.
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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?
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...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.
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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 .
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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.
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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?
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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.
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Thanks.
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AFAIK there is no CL on a charge card.
they gave me a CL
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they gave me a CL
On what card?
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On what card?
INK BOLD
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INK BOLD
You have a listed CL?
Does anyone else?
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I have for the sapphire preferred.
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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.
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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.
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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?
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what do you mean its not a charge card?
It's a credit card, not a charge card. Does that answer your question?
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isn't a charge card a cc that has an annual fee?
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isn't a charge card a cc that has an annual fee?
::)
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::)
You held out for awhile. I was surprised you were quiet for so long today :P
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::)
@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.
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You held out for awhile. I was surprised you were quiet for so long today :P
It's been a busy day.
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My ink bold has a limit
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My ink bold has a limit
Listed online?
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Listed online?
yes, i have a limit lised online
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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
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yes, i have a limit lised online
Weird, my IB does not.
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I wonder if this means that IB is really NPSL?
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Weird, my IB does not.
+1
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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
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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 :)
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yes, i have a limit lised online
mistake not listed online, but when i got approved they told me $5000 cl
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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.
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And if there is a CL to charge cards it shall be assumed that you can move it around if needed?
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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.
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-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.
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Any upcoming offers?
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-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...
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Competing offers* ending at the same time, eh?...
Yup, planned without a doubt.
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I don't think he's allowed to tell you...
He has in the past..
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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 ?
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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:)
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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?
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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)
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I've had this happen to me at Citi (and perhaps BOFA too).
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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.
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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...
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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).
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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.
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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.
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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.
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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.
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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.
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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).
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Dan, why not include MB Plat in the OP?
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+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.
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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?)
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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)
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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.)
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(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?
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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.
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I think CO is more valuable by a smidgen.
Even though AA allows you to use multiple GCs on one purchase, hmmm.
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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.
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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?
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-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.
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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.
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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
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@peter
Its probably better then using 2 browsers. But as always when using the 2bm YMMV
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what is MB Plat. ?
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@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 .
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what is MB Plat. ?
American Express (co-branded) Mercedes Benz Platinum Card.
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American Express (co-branded) Mercedes Benz Platinum Card.
does it have all the benefits of Reg. Platinum
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does it have all the benefits of Reg. Platinum
Most, if not all AFAIK.
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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:)
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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 ?
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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?
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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.
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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
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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.
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-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.
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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!
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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.
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Thanks!
What about the canceled plat for USAirways? i saw something about that in a different thread
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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.
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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.
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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.
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Updated the Ink card portfolio, AMEX business Gold, and 25K Southwest card.
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Does a cancelled CO OP MC work for 1st free piece of luggage?
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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.
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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?
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Dan, old Ink Bold is dead. Link takes me to a list of current chase cards... :(
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Dan, old Ink Bold is dead. Link takes me to a list of current chase cards... :(
Died yesterday. One day too late. . .
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When I said on the main site that it would die very soon, I meant just that!
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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.
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BDE. May he have a speedy techiyas hameisim.
It's unlikely the old Ink Bold links will be back anytime soon...
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can we give away the MQM miles boost from the DL platinum card to another DL account
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It's unlikely the old Ink Bold links will be back anytime soon...
Yeah, I doubt it, but it doesn't hurt to hope.
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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?
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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
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I remove it temporarily because its free
Are you sure about that?
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yes, my wife has to pay and for me its free, not sure why
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yes, my wife has to pay and for me its free, not sure why
were you a victim of identity theft?
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no not that i know of
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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.
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Are you sure about that?
Yeah, I'm pretty sure it costs money both ways.
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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
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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!
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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?
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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?
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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.
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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?
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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!
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did anyone have amex reconsider an app that was declined, having them move credit like chase?
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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.
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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.)
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Security doesn't interest you? Or you'd rather sue them after stealing it? :P
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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.
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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'.
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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
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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?
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Are you in middle of doing some AP lkavod Dec. 1? :P
LM@O, total Freudian slip, sweet.
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LM@O, total Freudian slip, sweet.
But your not responsible for typographical errors so AJK won't be able to help me sue you... ;)
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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
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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?? ???
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wouldn't that cause him to have more money?? ???
Im'a let you figure that one out on your own.
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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? :'(
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Are you in middle of doing some AP lkavod Dec. 1? :P
ROFL!
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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????
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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)...
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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 :)
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WTG Asher. That's such a NY Thing to say . From a guy born and bred NYC :)
Excuse me?
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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?
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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?)
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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?
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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.
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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 .
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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...
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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 .
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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 ?
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Don't know abt the chase one but its not possible to get a cc without a pull
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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?
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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
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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 ?
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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
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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
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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.
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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).
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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?
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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 ?
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amex told my friend that he gets 2 points per dollar on the SPG card is that true
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Probably for SPG products only.
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FYI, the number for the application department at Barclays is 1800 308 6008
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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
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But they're now telling me to call the CS at 1877 523 0478
And the biz card department number is 1866 383 0361
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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
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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?
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United, Ink Bold, and Ink Classic (and of course Continental, Freedom, and Sapphire) can all go to Continental.
Hotel cards will not.
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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.
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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
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Can you get 2 different Ink cards in 1 3BM?
Which hotel card offer is the most lucrative?
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Anyone have the automated number to activate a Chase card?
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Anyone have the automated number to activate a Chase card?
888 489 7249 not guaranteed to be automated.
For sapphire 800 925 1794.
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888 489 7249 not guaranteed to be automated.
For sapphire 800 925 1794.
Thanks
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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?
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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.
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I can churn away and keep getting the bonus and just cancel shortly after?
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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
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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?
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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
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$1
After that, I send them a SM and ask them to match it to what?
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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
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Check here for ideas
http://forums.dansdeals.com/index.php?topic=5180.60
thanks
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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
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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
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yes i do from december 8
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yes i do from december 8
thanks i have it already
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Any idea what the minimum credit line is for SW? BP? United?
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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)
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A store credit card such as macy's has the same affect on your credit as a regular credit card, correct?
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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.
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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. :(
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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?
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3BM? Which would be the other two?
None.
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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?
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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
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The Macy's Amex. Should have been more clear...
In that link
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.
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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.
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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.
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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.
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Hyatt by a mile.
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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?
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+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.
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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
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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.
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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
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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.
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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.
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Visa/MC.
thanks, please just give me one pro or cons just in case they ask me,
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thanks, please just give me one pro or cons just in case they ask me,
Acceptability
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What are the chances of not getting approved for a offer that was targeted to you?
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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
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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.
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Acceptability
problem is i also have sapphire preferred, and that's also a visa
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i did a 3bm with chase one after the next and now when i try to load the application it says app error
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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?
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click on dans link
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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
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i applied for the amex premier gold in july and cant get them to give me the 75k. any tips?
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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.
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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.
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is co offer still active
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is co offer still active
Looks like yes. As of now the link is still active.
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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
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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?
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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
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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.
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YMMV. It won't be automatic but a rep at the airport may waive it for you.
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Will a closed CO OPP card get the first bag fee waived?
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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.
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Is it true the the PP no longer accrues lifetime miles?
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I think Dan just posted recently that it works.
EDIT: http://forums.dansdeals.com/index.php?topic=12625.msg164603#msg164603
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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.
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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.
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So basically pointless to spend over $375K/year on the card, correct?
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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!
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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.
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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??
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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.
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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.
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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?
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My wife just got a targeted offer for Amex Gold. 25K for spending $1000 in 3 months, no fee 1st year. Good offer? Worth pursuing if her credit isn't that great and she has no prior Amex?
Just as FYI, people have been getting a targeted offer of 50K for the Business Gold Rewards if that helps you evaluate how good the offer is.
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has the 3bm worked with bank of america for anyone lately?
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My friend spends about 30k a month that registers with AMEX as "Merchandise & Supplies - Hardware Supplies" & "Business Services - Professional Services". Does anybody know if there is a card that offers anything better than one point per dollar?
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changing a unused delta platinum card 1200$ limit to a blue cash, do they transfer the CL, or give you a new one?
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.......................... 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!
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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.
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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.
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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?
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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
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@ Dan
Can you get a Chase SP MC World link?
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No, you need to apply for the Visa and switch it over.
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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.
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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?
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HUCA and HUCA till you get it?
Yea, I guess so.
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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
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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.
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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)
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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
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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.
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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.
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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
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dan,
any usable links for citibank aa consumer card. your link doesn't seem to be working.
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can churning between different banks be done earlier than 60 days for an example citi 2 weeks later chase?
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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.
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well in this case i already applied 2 weeks ago for an aa citi can i do 3bm for chase?
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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!!
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great story but what is "Chase Credit Replication" and can anyone answer my other question?
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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)
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well in this case i already applied 2 weeks ago for an aa citi can i do 3bm for chase?
anyone? please :)
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Ed, I think you're looking for this:
That's the one, spell-check got me. Thx!
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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! :)
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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)
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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.
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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?
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Would a Citi 3bm for TY preferred, TY premiere and AA 50k offer all be under one pull? Thanks
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is that not the whole idea of 3bm?
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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.
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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.
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double points, 4pm late checkout.
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Is double Starwood points worth more than 2.14 UR?
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Afaik yes. because spg transfers @1.5 and ur @ 1.1 @ most but ur has no fee. so not so sure :-\
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1.5 and 1.1 what in the world are you talking about?
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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?
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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.
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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.
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Thanks, those last 2 posts were extremely helpful.
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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?
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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.
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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.
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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
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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.
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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?
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when i called i gave social and they saw all 3 apps, maybe try reconsideration
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when i called i gave social and they saw all 3 apps, maybe try reconsideration
Just got another Rep she found it. Thanks
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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.
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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?
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one pull, one inquiry for credit
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one pull, one inquiry for credit
exactly! nobody said you were gonna get approved!
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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
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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.
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my misconception
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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!
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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.
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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?
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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.
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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?
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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
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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?
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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.
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O really I thought we would meet up @ tashlich or something :)
thanks for your help
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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
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Lol but "tashlich" is the smoking lounge throughout the year so.....its a nice place to meet :)
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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!
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Which CC issuer?
When you request your own credit report there are no hard pulls.
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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.
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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? :)
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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.
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I stop when people answer :P
And thanks for answering!
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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?
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True. I will try to be more patient.:)
And I do have a lot of learning to do.
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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?
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I didn't get mine and I got approved,but my friend who got his amex approved got his sooo not really sure.
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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.
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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.
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my friend got declined from chase and got his score
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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!
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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 :)
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Hey asherO did I wait long enough for the answer on the autherized user question? :) TIA!
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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.
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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 :).
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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).
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Thanks you are really kind.
And if the authorized user question can count as part of the 10 that would be nice.
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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.
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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!
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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.
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I understand. and thanks again! :)
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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?
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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.
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Depends on the issuer, but typically you can.
Chase?
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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)
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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.
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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?
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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.
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Chase?
Did 3 cards , with Chase taking from other CL between wife and me in the last 2 months .Usually very easy
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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
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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.....
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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.
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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.
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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..
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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?
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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.
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HUH?
Sorry, missed the "n't"..
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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 ;)
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Your welcome AsherO ;)
I prefer to answer the same question 10 times and fulfill my commitment to him :P
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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 )
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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 ;)
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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!
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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
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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!!!
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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.
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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.
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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
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With the co opp - after spending $25k annually, you get 10k bonus miles.
Is that per calendar year or per 12 month period?
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calendar
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calendar
Thanx
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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
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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.
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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
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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/
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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)
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+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.
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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?
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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
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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!
-
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.
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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.
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i am going on virgin america flight this week out of lax, will ink bold get me into a lounge? (if there is any)
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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
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Todays mail - 100k for opening platinum bus. card and 10,000 speny by June.
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more info please -- offer code- or any info u have
tks
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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
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whats the best card to charge a hotel stay (5k)
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whats the best card to charge a hotel stay (5k)
The one with the magnetic strip
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The one with the magnetic strip
(http://img389.imageshack.us/img389/3093/rotflcopter1208jv.gif) (http://imageshack.us/photo/my-images/389/rotflcopter1208jv.gif/)
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An answer can only be as specific as the question asked
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staying at a priority club hotel.witch cc would i use to get the most points
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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.
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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.
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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.
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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)?
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For Citi Premier TY card, does anyone know when $125 annual fee is charged? First billing cycle or end of first yr?
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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.
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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
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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
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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).
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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
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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).
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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.
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You might want to consider SPG, if you value it at >2.14).
How so?
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How so?
Brain fart.
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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"?
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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 ??
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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!!
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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
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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
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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
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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.
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All CCs I know of give you both.
+1 I have gotten sign up promo plus points / miles across Chase Citi and Amex platforms !
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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 ? :-\ :-\
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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?
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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).
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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 :)
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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?
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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 )
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or zinc ($25)
(but with zinc u cant transfer to airlines sort of like s vs. sp)
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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)
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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?
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Hard pull?
:o Why not? AFAIK all Credit or charge cards are a hard pull...
Am i missing something?
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: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.
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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??
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Updated with Business Plat 25K offer.
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if someone has bad credit does using a targeted offer (very good one) increase their chance of being approved
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if someone has bad credit does using a targeted offer (very good one) increase their chance of being approved
Not in the slightest.
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if i use your link i can switch it to the targeted offer after, right?
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if i use your link i can switch it to the targeted offer after, right?
Which offer are you referring to?
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my mother got offer for amex gold 50k points after 1k spending
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my mother got offer for amex gold 50k points after 1k spending
For AMEX use the targeted offer, they're not good with matching.
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For AMEX use the targeted offer, they're not good with matching.
Ahhh, I remember the old days...
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What's the best available deal now for the SPG Amex? Please advise both re personal and business. Thanks!
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Look at the OP
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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?
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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.
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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.
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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
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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.
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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?
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Premier Rewards Gold in the OP now gives 25K for spending $2,000.
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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.
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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.
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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.
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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.
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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.
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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.
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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
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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
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Try social media.
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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.
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CO OPP will end on 02/29.
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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.
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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!
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Forgot to mention: I did a 2BM in Nov and a 3BM in Dec. Still say go for it?
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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.
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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.
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Another look at the top offers:
http://www.dansdeals.com/credit-cards
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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
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How long does it ake for an approved card to show up on online profile?
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How long does it ake for an approved card to show up on online profile?
Which bank? Consumer or business card?
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chase consumer sorry
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chase consumer sorry
Within a week or so.