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Messages - @Yehuda

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10876
Credit Cards And Finance / Re: Misc Random Questions
« on: October 17, 2013, 10:36:36 AM »
Unite Mileage Plus Explorer gives additional 5K for AU.

Thanks!

10877
Credit Cards And Finance / Re: Southwest Visa 50,000 bonus points
« on: October 17, 2013, 10:34:41 AM »
@27.50 per thousand. which is 2.7cpp.  Bad deal. 
With the highest level of bonus it's still 20,250 points for $412.50.  2cpp.

When using it for flying, the point are worth 60 points per dollar or 1.67 cents
After 3/31/14 they're worth 70 points / dollar or  1.4 cents

So don't buy points, pay cash  :o

Where does it say anything about the fees?

10878
Credit Cards And Finance / Re: Misc Random Questions
« on: October 17, 2013, 10:12:41 AM »
Which cards offer bonuses for adding an AU?

10879
Credit Cards And Finance / Re: Southwest Visa 50,000 bonus points
« on: October 17, 2013, 09:10:22 AM »
Just got this offer in an email from SW to buy or gift points and get a bonus:

4,000 to 8,000 Points = 20% Bonus
8,500 to 14,500 Points = 25% Bonus
15,000+ Points = 35% Bonus

If you gift them, the bonus goes to your friend's account.
Ends Nov. 22

10880
The site prompts you for the pin first. You enter your BB# on the next screen.

+1 VR pin goes first.

10881
Credit Cards And Finance / Re: How to get free experian report?
« on: October 16, 2013, 02:52:20 PM »
Just sharing in case ppl don't know:

Free Equifax: https://aa.econsumer.equifax.com/aad/landing.ehtml

Free TransUnion: https://disclosure.transunion.com/dc/disclosure/disclosure.jsp

And just to get 'em all in here even though it was posted above, Free Experian: http://www.experian.com/reportaccess/index.html

10882
Credit Cards And Finance / Re: target offer quandry
« on: October 16, 2013, 01:57:32 PM »
Facts:
1) Applied via 3BM for SW Biz, Amex Gold and SW Personal in late August.  Got approved for the Amex Gold and the SW Biz but my SW Personal app froze in Chrome :(
2) I recently moved and the prior owner had a business out of his house. 
3) I received a targeted Amex Plat Biz offer for 100k points for spending 10k in first 3 months (Easy with VRs) targeted for his biz that expires 11/30

Questions:
1) I presume its worthwhile to spend the 450 given that the 100k are worth more, please confirm (i know thats not a question)
2) Is there enough time in between my last pull and the target expiration to actually apply successfully?
3) Will I have a problem applying (just changing the business name to my business name in the app) using the target?
4) If I can apply, could I use the 3/4 bm? If so, what other cards should I apply for?

Thanks

I don't know the answers to your questions, but I do know that SW biz, Amex Gold, SW personal are not a 3bm. 3bms only work if all the cards are from the same bank. You have 2 Chase cards there and 1 Amex, so you got 1 credit pull from Chase and 1 from Amex.

10883
Credit Cards And Finance / Re: Misc Random Questions
« on: October 16, 2013, 01:52:34 PM »
How about a place to bounce random "credit card" questions off of the crew. I will start:

When does the AMEX Blue Cash Preferred $6k on groceries reset? is that based on the calender year? Is there a way to know if you have already hit the max on it?

I like the idea, but feel like the pros will always know which thread your Q really belongs in.

10884
Credit Cards And Finance / Re: hertz and national
« on: October 16, 2013, 01:49:18 PM »
What are the benefits of these President Clubs?

10885
Credit Cards And Finance / Re: Credit Card Comparison Chart
« on: October 16, 2013, 01:32:39 PM »
You also don't find much discussion on skunks, urinals, and diarrhea.
#shocking

Your reply should be sketched forever in history as the best comment on DDF.

But still, even w/o using the card, there is something to be said for $8000 CL.

10886
Credit Cards And Finance / Re: Chase Reconsideration
« on: October 16, 2013, 11:46:09 AM »
So the recon rep is using the term "Card Cap" saying I can only have two new accounts within a thirty day period. They're willing to give me the card I'm reconning for if I close one of the two I already got.

I'm going to HUCA again, and SM if necessary. Has anyone heard them use this specific term before? And is there a good way to get around other than hang up and call at a late hour / weekend?

2 cards in 30 days is classic Chase talk. Was the first time I learned the power of HUCA.

10887
Credit Cards And Finance / Re: 2/3/4BM Master Thread
« on: October 16, 2013, 11:42:19 AM »
You forgot to add "and getting shut down for opening 8 cards in the first year of credit...."  ;)

Please I'm only at 5. (with 2 more open apps from my 4bm still waiting for their day in the spotlight)
;)

10888
I tried transfering a cl today sapphire to Ink and was told that personal to biz can't be transferred

If I've learned anything here in my few weeks -- HUCA!!! but also YMMV

10889
Credit Cards And Finance / Re: Credit Card Comparison Chart
« on: October 15, 2013, 01:33:31 PM »
I find it interesting that there's so little talk on the forum about HAS Advantage. Now, of course, I've head it's terrible, but I would think that at least people would have had a discussion about it. I could only find 1 thread (a short one) on the topic. Anyway, I just found one in my room that I forgot I applied for a few years ago and never activated. I called them and they're still going to activate it, and it has an $8000 CL so even if the card is bad -- yay! more CL!

10890
Credit Cards And Finance / Re: Chase Private Client Experience?
« on: October 15, 2013, 12:49:44 PM »
They realized you're Jewish they stopped offering PCB for Jews  :P

Haha get the papers on it!

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