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Messages - DBK

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Start Here! / Re: Questions and Help for BEGINNERS!
« on: September 18, 2014, 11:02:27 AM »
Does anyone know if one bank is better than the next when it comes to opening a new business account?TIA

Deals/Deal Requests / Re: Charles Tyrwhitt Master Thread
« on: September 08, 2014, 01:45:27 PM »

Any promotion going on now? 39.99 per shirt plus free shipping plus save five dollars if order four shirts.

Credit Cards / Re: Chase British Airways Card
« on: September 04, 2014, 04:55:22 PM »
Still new at this- why i am getting, is that if I open this card , spend $2,000, then I can close the card and I will keep the points and they will mail me a check for the fee?
How soon do I have to close the card?
Within sixty days. and yes will mail you fee that is returned

Credit Cards / Re: Chase British Airways Card
« on: September 03, 2014, 12:45:06 PM »
On the right hand upper corner, by Manage Accounts in the drop down menue there is an option "Show/Hide Accounts"
Wow totally missed that thanks so much

Credit Cards / Re: Chase British Airways Card
« on: September 03, 2014, 11:29:15 AM »
In Chase there is. Not sure about Barclays.
Do you know how I cant seem to find it

Credit Cards / Re: Credit Card For Beginners
« on: September 03, 2014, 11:28:32 AM »
Very normal.
Ok great so nothing to worry about then thank you  :)

Credit Cards / Re: My next app-o-rama...
« on: September 03, 2014, 11:13:44 AM »
Yes. I didn't know about the 80k match til I saw it here last week. And I immediately sent a SM. Here was their reply yesterday (took 3 days for them to reply)

"Dear  **************,

Thank you for contacting Chase about the enrollment bonus
on your IHG® Rewards Club Select credit card account.

We have added 20,000 additional points to match the
difference between the offer you applied with and the new
offer for a total of 80,000 points. This adjustment will
appear on your next billing statement. Although IHG®
Rewards generally posts the points within a few days they
do request you allow up to thirty days after the billing
statement has closed to post the points to your account at
IHG® Rewards.

For questions regarding IHG® Rewards Club program or
rewards balance, please call IHG® Rewards Club Service
Center at 1-888-211-9874 or visit

If you have any further questions, please reply using the
Secure Message Center.

Thank you,

Kasey Roberts
Customer Service Specialist


Account is owned by Chase Bank USA, N.A. and may be
serviced by its affiliates. "
Awesome gonna do the same today thanks for confirmation

Credit Cards / Re: Credit Card For Beginners
« on: September 02, 2014, 01:03:57 PM »
How drastically do multiple hard pulls affect the CS? My score dropped 10 points because of 3 hard pulls in the last six weeks is that strange?

Credit Cards / Re: Chase Reconsideration
« on: September 02, 2014, 12:57:22 PM »
Instead of doing a 3BM, I tried a different route.

I applied just for my wife for UA, got pending, called and they just wanted to verify a few transactions on another card and then approved! b"h

Typing this as I'm on the phone and each stage progresses...

Then, I applied for SP, got pending, called and found out that the downgrade I did to my SP yesterday didn't kick in yet, so the app was declined for having the same card already. Frustrating bc last time I did this, it was downgraded the next day and this time I even called first to ask if my card was currently an SP or a regular and they told me regular. Yet, the app system still picked up on me having the same card. Got awkward when the rep asked why I downgraded a card and then applied for that same card the next day. Said that I wanted to still try out the card but didn't want to deal with the AF yet (yeah, not a great answer) and then she rocked me by saying that I only opened my first SP in April so the AF wouldn't hit for a few months still. I gave another "eh" answer by saying that I'm very nervous and OCD with my credit cards and just wanted to extend the length I have to try out this card w/o an AF. So she started reviewing, then got back on the phone and said she needs to pull my CR because the first app never even processed so they haven't pulled yet. I said okay (because that should still be only 1 visible pull on CR today from Chase). Came back on the phone and said I have too many cards or credit or something and then OFFERED to close a card for me - specifically the regular Sapphire that we were just talking about! lol Then she got back on the phone and told me she can't close the Sapphire because I have points in the account - ARGH! Another lesson learned today, etech - get your Chase points into a different account before closing (I just didn't realize she would ask me to close a card). So, I said let me go online and see if I can transfer them now into my Freedom and if that will show up in your system. I did that and gave her the confirmation number of the transfer over the phone. Then she transferred me to fraud verification. Fraud team kept me on hold for a while then came back to verify almost the same details about my Freedom card that they verified with my UA app. Regular rep got back on the phone and in a few minutes, approved me! b"h

Then, I applied for BA, got pending, called and was told they need the fraud verification team again. Again, they asked questions about my Freedom card. But, this time they also want me to fax over a copy of my driver's license :( Had to deal with that before and it's just annoying because first a rep gets it and scans it into their system and then they review it in the order received, so it could take a few days. But, otherwise it looks like that one may get approved.

So... I would say this worked better than the traditional 3BM. I did submit each app in a new browser just to avoid duplicate apps but again, I applied then called then applied then called, etc. 100K-150K points in one day, not bad! :)

PS If I had to guess, the need for verification on all 3 cards today might have been due to the fact that my wife's Chase account had a fraud issue on it a few months ago.
Wow I am genuinely impressed that you pulled this off

Credit Cards / Re: United MileagePlus Explorer Card
« on: September 01, 2014, 10:52:12 AM »

Deals/Deal Requests / Re: Charles Tyrwhitt Master Thread
« on: September 01, 2014, 10:28:55 AM »
anybody know?
I was having trouble with it last night as well

Credit Cards / Re: My next app-o-rama...
« on: August 31, 2014, 05:16:51 PM »
I step away for some Shabbos prep and you've decided the hotel card and bonus upgrade in the meantime.
It's IHG with a match to 80K (hopefully) and platinum status to give me perks.
is there reports of success with the ihg 80k match?

Credit Cards / Re: United MileagePlus Explorer Card
« on: August 31, 2014, 05:14:30 PM »
With United, you have to use a new FFN.

I left it blank, which is not the same thing.
Whats the difference? Should you sign up for a new FFN sepertately and put that one in the box asking for a FFN?

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