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Messages - DaveInLA

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1
Credit Cards / Re: Amex Offers Discussion Thread
« on: August 20, 2020, 09:30:51 PM »
The local restaurants with AMEX offers (ex, 20% back at Jimís Burgers) often also have Groupon deals for 20% off when using linked cards. This isnít the same as buying a voucher from Groupon. Rather, I save the deal to my Groupon account and when I make a purchase using my linked card, the card is supposed to give me 20% off. Iíve never actually used the Groupon deals before but thatís how itís supposed to work. Has anybody used the Groupon deal with an AMEX card that also has an offer for that same restaurant? Do the 20% deals stack?

2
Credit Cards / Re: Misc Credit Card Questions
« on: June 07, 2019, 06:29:28 PM »
I remember reading that AMEX Surpass cardholders arenít eligible for Ascend bonus when the Ascend first came out, but I donít remember specific datapoints about previous Surpass members who applied for an Ascend.

In my family memberís case, he had the Surpass and downgraded to the free card in January 2018, just before the Ascend was rolled out. So heís never technically held the Ascend. Is he also excluded from getting the Ascend sign-up bonus?

3
Credit Cards / Re: Amex Offers Discussion Thread
« on: May 06, 2019, 12:43:58 AM »
Has anybody tried purchasing $1000 in Microsoft gift cards either online or in store?

4
Credit Cards / Re: Amex Offers Discussion Thread
« on: March 21, 2019, 10:41:46 AM »
Is there a way to transfer an offer from one card to another? I saved an offer to one card a while ago when I didnít think I would use it, but now I changed my mind and I want it on another card for stacking purposes. I know in the past when multi browser method worked, I could unlink the card with the offer and it would show up in the other cards, but since MBM has died and AMEX  only allows one offer per cardmember, I doubt this would work. Any DP or tricks I should know before I try it?

5
Credit Cards / Re: Amex Offers Discussion Thread
« on: March 18, 2019, 04:12:58 PM »
why don't you try and report back?

Because I donít know if I should buy e-gift card or physical gift card and Iím asking if anybody else has tried.

6
Credit Cards / Re: Amex Offers Discussion Thread
« on: March 18, 2019, 03:14:08 AM »
My Plat has an offer for 5000 MR for spending $250 at Neiman Marcus. The terms specifically say no gift card but AMEX has a similar offer for $200 about 2 years ago that worked with gift cards. I donít remember if that offer excluded gift cards or not. I got a lot of $200 e-gift cards from that deal, but that was a while ago. Can someone confirm that buying gift cards still activated this offer? Physical or e-gift cards?

7
Credit Cards / Re: Amex Offers Discussion Thread
« on: March 10, 2019, 05:49:55 PM »
Iirc from last time. They will trigger the offer if you do it over the phone , but Iirc, you canít make a partial payment for a installment plan. Either you pay in full or you put it on the payment plan

If I do payment plan for the phone, will the $25/mo just be added to my existing phone bill and trigger the AMEX offer? Or is the $25/mo charged separately through another account?

8
Credit Cards / Re: Amex Offers Discussion Thread
« on: March 10, 2019, 12:22:00 PM »
I have the ATT $100 offer on a card and many of my family members do as well. We wonít be able to use all of them due to ATTís $300 negative balance limit. But I am due for a phone upgrade; ATT allows for full payment now or $25/mo. Will these charges work for ATT offer?

9
Credit Cards / Re: Misc Credit Card Questions
« on: January 17, 2019, 04:16:34 PM »
It will still show on the statement as a transaction

So for sure theyíll still get the full 2% for those transactions?

10
Credit Cards / Re: Misc Credit Card Questions
« on: January 17, 2019, 02:30:50 PM »
My parents have the Double Cash card and just had a huge purchase that they paid in parts. Because it was twice their credit limit, they paid $15k, waited for the charge to post, immediately paid it off before statement closed, then charged another $15k, paid that off, and now theyíre going to make a third payment.

My question is, since this isnít straight 2x card, will they get the 1% for paying off the balance? Or does the cardholder only get the second 1% for paying off the STATEMENT balance? Because if thatís the case, that 30k they paid wonít show in the statement.

11
Credit Cards / Re: Misc Credit Card Questions
« on: November 02, 2018, 03:23:06 AM »

I just received my Ink Preferred card in the mail and want to add it to my online account profile. I've had this profile for years now and it's a business login -- meaning that it's already connected to my Ink Cash card (previously Ink Plus, and also Ink Bold as well as SWA Business in years past). But when I log in to my profile from chase.com/verifycard, my new Ink Preferred card doesn't show up. In the past, getting approved for business cards would make them automatically show up in my profile, but not here. It's the same business name save for a single "comma" that I omitted this time, not sure if that's why it's not showing up. I used my SSN as a sole proprietor for this new card just like I did for the past accounts. I can't find a way to add this card or even verify it, so I called the automated number to verify it. But I want to add it to my online account. Any help? I'd rather avoid calling in if possible.

12
Credit Cards / Re: Chase Reconsideration
« on: October 18, 2018, 09:16:42 PM »

I applied for the Ink Preferred on 10/9 and just found out I was declined because they couldnít verify my business address. Iím a physician so I put Dr <name> MD as my business address (which Iíve done before with 3 prior Chase business cards). Iím employed at a hospital but also do independent contractor work out of my home office. Chase is asking for address verification in the form of a tax form or utility bill with my business name from the application (Dr. DaveInLA MD) matching the address. Unfortunately, all of my home bills only say my name and even my 1099 tax forms only say Dr. DaveInLA, without ďMDĒ. Per 2 different agents in the verification department, thatís not good enough. They both said my only options are to apply again with just my name as the business name, or go through the County Clerk via Secretary is State website to file for a Fictitious (or Assumed) Business Name. I thought I would get an automatic rejection since I just applied for this card but they said I was declined so I can apply again.

My questionsó

1. Has anybody done the county clerk thing for the fictitious business name? It sounds complicated and Iím pretty busy. If itís really complicated, Iíll just apply again with just my name.

2. If I apply again with a new business name, what are the implications for my credit score and also for 5/24? Iím not sure if Chase business cards even count against 5/24.

13
Credit Cards / Re: Amex Offers Discussion Thread
« on: October 09, 2018, 04:34:57 PM »
I even paid a business account and still didn't receive the MR. I chatted with a rep and he said that the points are in pending status and should post once my statement closes. We'll see...

Statement close? Great...
I was planning on closing my account right after the 10k MR posted since my AF already posted.

14
Credit Cards / Re: Amex Offers Discussion Thread
« on: October 09, 2018, 11:00:53 AM »
I paid my personal AT&T phone bill $150 x2 about 2 wks ago with my Platinum and still havenít gotten the 5000 MR points. I got the ďgreat news!Ē email for both payments immediately, just not the MR. I read several other people havenít gotten MR while using Plat also, but many people got the $50 for some reason. I paid using the ATT website on my phone. I canít imagine the app would be different. Has anybody received the 5k MR for using personal Platinum card?

15
Credit Cards / Re: New Premier Rewards Gold (PRG) Benefits
« on: October 05, 2018, 09:21:13 AM »
The AF on my Plat just posted and Iím planning on canceling it. I want this card now. I have 5 AMEX credit cards and the Plat charge card. Should I cancel my Plat first, then apply for Gold? Or get Gold first, then cancel Plat?

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