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Messages - Travelandcredit

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1
Credit Cards / Re: Kiva.org - lend money via CC/GC
« on: October 27, 2014, 03:15:13 PM »
Thank you for sharing your experience. Is there any reason you would say not to risk it? (Assuming you can float the money)

I personally don't consider it very risky. I consider it a 0 on the risk scale compared to MS options via Loyal3, etc...!!

I mean, assuming you're doing loans in $25 batches, and the site's repayment/default rate, I wouldn't do it if you can't handle up to a 2% loss. That 2% loss would be very RARE though, so it's a pretty good situation. It says the average customer has lost about $1... multiply that by what the average customer donates for your own (probably high) donation, and you're looking at maybe $10-20? I'm at $0 personally, but I filtered by the best options and quickest repays. YMMV, but I definitely consider it a worthwhile option.

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Credit Cards / Re: Kiva.org - lend money via CC/GC
« on: October 26, 2014, 06:47:04 PM »
YMMV, but I followed FM's advice and used the site that narrows down search results and lets you do a bulk batch loan selection. Saved me a ton of time and allowed me to only loan small amounts to the lowest risk people with the fastest pay back times. I did $3,500 in March (went big I guess?) and have currently lost $0, and only have $1,100 outstanding still. All my loans wrap up in Apr/May of next year. Sure, I missed out on some interest on the money, but it's money I would've been using for MS one way or another. Opportunity cost. Worked great to hit the spend on my US Bank Flexperks card for last years olympic bonus.

3
Credit Cards / Re: Capital One 360 get $200 for opening new accounts
« on: December 02, 2013, 06:39:48 PM »
I've done these offers this year already so couldn't sign up, but there IS A HARD PULL for the CHECKING... No hard pull for the Savings & Brokerage accounts. Brokerage deal is super easy. $150 for opening account and making 3 trades. Basically $135 bonus after fees.

4
Credit Cards / Re: Applying for Chase Card Out of USA
« on: November 23, 2013, 09:16:59 AM »
No problems applying from Ecuador.

5
1. 7 is a lot of cards.
2. 7 months ago is great, you'll be fine. Most apply every 3 months.
3. I have over 20 hard inquiries on Experian and still get approved. 6 inquiries is nothing.

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Credit Cards / Re: New Balance Financial BB Alternative
« on: November 15, 2013, 05:25:59 PM »
This looks great. Am I the only one that can't get the website to load though?

This could be another 1 of many free ways to print on the ST debit..

7
Credit Cards / Re: Citibank Financial Review 4506-T form
« on: November 08, 2013, 02:42:39 PM »
Anyone get a request recently for IRS form 4506-T ?

I applied for a card from them, and the response (via mail) was that I need to fill this form and send it to them by the end of the month.

Yeah, I applied for another AA card in August and was asked to send in this form. Showed up to my house 3 weeks later, and I just got approved for the card 3 days ago...

8
Credit Cards / Re: Open Capital one 360 Checking and earn a $50 bonus
« on: November 05, 2013, 07:16:46 PM »
Checking account is a hard credit pull fyi... In July there were some much higher offers on the checking/savings combo.

Savings account rate is .75% which isn't bad these days. Transfer function works quick and flawlessly. Great addition in the MS game to move funds around w/no fees.

9
Credit Cards / Re: $20 per month with Santander Bank
« on: October 30, 2013, 07:05:17 PM »
Meh, lot of work to hope they don't change their terms. Would be one thing if it was a 1 time sign-up bonus of $200, etc...

10
Credit Cards / Re: Square Cash - Good GC Cash Out Option?
« on: October 24, 2013, 01:12:21 PM »
The title of this thread should be changed to "Square Cash - Delta printing press".

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Credit Cards / Re: Square Cash - Good GC Cash Out Option?
« on: October 24, 2013, 01:11:31 PM »
I am wondering whether I can send money to myself from SunTrust to BOA.

Totally... just make sure you have different emails to do the transaction. Still going strong week 2!

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Credit Cards / Re: Square Cash - Good GC Cash Out Option?
« on: October 18, 2013, 11:40:05 PM »
Usually, I'm front and center. But I'm going slow on this one. Seems too easy.

It is! Tell me that by slow, you at least mean $2,500 a week? So easy! I have a phone calendar reminder to remind me once a week to send the email.... Since when could you earn 2,500 miles a week for sending 1 email? Hallelujah

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Credit Cards / Re: Square Cash - Good GC Cash Out Option?
« on: October 17, 2013, 12:10:21 PM »
Suntrust/UFB/BOA should be good to go. Could also be good for cash back debit cards as well depending on your earning flavor ;)

Wonder who will be shut down first?

14
Credit Cards / Chase Ink Bold/Plus now Visas.... another bonus?
« on: September 12, 2013, 08:35:32 PM »
Well, with everything being confirmed that the Chase Ink Bold & Ink Plus business cards are now being issued by Visa instead of Mastercard... what's the verdict, and who's dipping in for another swim?!

When Chase changed the exclusives program, everyone got bonuses again, when they released the Plus, everyone got bonuses again, and now switching to Visa? Will it be like the CSP?

Post results here!

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Credit Cards / Re: New Chase BA Offer
« on: September 12, 2013, 12:42:57 AM »
How long in btwn did you wait?

Must've canceled my first BA card around May-July 2012... Applied again Aug, 2013, no problems getting the bonus again. Already posted.

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