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Messages - PillanSmye

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1
Credit Cards / Re: Best way to maximize $120 Credit Grubhub, Seamless
« on: November 02, 2018, 09:41:54 AM »
Too bad there's no kosher. ;)

The bar has a lot of booze.  Has to be some Kosher offerings or some that don't require it?  I'm not going to pretend to know anything about that though.   :)

2
Credit Cards / Re: Misc Credit Card Questions
« on: October 31, 2018, 10:06:54 AM »
Those days are over :(

Backdating is definitely over.  And with the Costco changeover I even lost one as well.

3
Can anyone point me to a list somewhere of what is coding 3x nowadays and/or what isn't?  Not GCM or Simon but actual retailers.

Thanks!

4
Credit Cards / Re: Best Cashback card for general purchases?
« on: October 31, 2018, 12:37:10 AM »
How is 2% better than 2.5-3%? Is this some type of new math they are teaching?  :)

$11K x 2% = $220

($11K x 2.5%) - $59 = $216

6
Credit Cards / Re: Credit Card For Beginners
« on: October 30, 2018, 09:30:16 AM »
its for a relative with NO credit history not even AU and he needs a CC for everyday spend and to build his credit I think the freedom will get denied prob have a better chance with discover no?

I know a young lady with no credit that recently got a Freedom and Discover.  She does bank with Chase and applied inbranch for the Freedom.

7
Credit Cards / Re: Misc Credit Card Questions
« on: October 30, 2018, 09:27:25 AM »
Can anyone answer my question??

There's a ton of variables.  Credit score, credit file thickness, how many cards you've opened in 6,12,24 months, debt load on revolvers, income.  And of course it depends on what issuer.

8
Credit Cards / Re: Misc Credit Card Questions
« on: October 30, 2018, 09:25:36 AM »
I know the Reserve is better, but I only have the Preferred. 
Other than insurance and 2x or 3x earnings (anything more than that?), are there any other considerations in choosing a CC for a revenue ticket?

The MileagePlus Club CC would get you into United Clubs as well as give you Premier Access.

9
Credit Cards / Re: Best Cashback card for general purchases?
« on: October 30, 2018, 09:17:06 AM »
Alliant

But you have to spend ~$12,000 on the Alliant Sig @ 2.5% before you come out ahead vs a straight 2% card.

When I read coffee, toiletries and take out I don't see $12K being realistic.

10
Credit Cards / Re: Best way to maximize $120 Credit Grubhub, Seamless
« on: October 27, 2018, 11:50:55 AM »
Any suggestions for the best way to maximize monthly credits for this on the Gold card?
I tried purchasing a gift card for seamless, but it didnt trigger it

Ruth's Chris Happy Hour

11
Credit Cards / Re: credit score
« on: September 22, 2018, 07:27:19 AM »
When you go to Transunion.com and click the "My Free Protection" button, you are asked for your identifying information and agree that you are subscribing to a free service.  That "free service" has T&C's, as does "Use  of this site" -

"BECAUSE YOUR PURCHASE AND USE OF A TRANSUNION INTERACTIVE PRODUCT OR USE OF THIS SITE REQUIRES THAT YOU CONSENT TO ARBITRATION OF YOUR CLAIMS OR DISPUTES, YOU WILL NOT HAVE THE RIGHT TO PURSUE YOUR CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTIVE PROCEEDING. OTHER RIGHTS THAT EITHER PARTY WOULD HAVE IF THAT PARTY WENT TO COURT, INCLUDING WITHOUT LIMITATION THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION."

Millions and millions of sheep I mean Americans will click away their rights in the following week.

12
Credit Cards / Re: credit score
« on: September 22, 2018, 07:02:42 AM »
Finally!!!

What other language does the law include?

When you sign in to the CRA websites to register for the freeze, and you forced to agree to mandatory binding arbitration clauses?

Lots of important information gets left out of these little news blurbs.  It would obviously be a HUGE win for the CRAs if all Americans blindly agreed to binding arbitration with the CRAs

13
Credit Cards / Re: Misc Credit Card Questions
« on: September 14, 2018, 01:13:45 AM »
Can I still receive a referal bonus if a person opens a cc after ive closed my credit card?
;D

14
Credit Cards / Re: approval for United but lowered credit line for CSP
« on: September 12, 2018, 08:27:09 AM »
I was just wondering how difficult it was to move around credit allocation  after they did it for approval. I dont use the freedom card much and it has a $6400 credit limit-do you think its wise to ask them to close that account?

Don't close it.  But if it's a Freedom 5% category card, its really only good for $1500 spend/quarter.  I'd move $3K off that line and transfer it to the CSP as well.   Then you could hit the $1500 quarterly spend and it would still report to the credit bureaus as sub 50% utilization.

Hopefully you left enough on the UA that you can purchase whatever tickets you need and again have sub 50% utilization report.

15
Credit Cards / Re: Random Posts
« on: September 11, 2018, 11:06:34 AM »
Is that like being a little bit pregnant?

That happens from just the tip...

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