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Messages - @Yehuda

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10892
Credit Cards / Re: Chase Reconsideration
« on: October 07, 2013, 03:26:59 PM »
Thanks for the advice. (Not sarcastic)

10893
Y'see the problem with the forum style of conversation is that you need to read through 400 pages of comments in order to know how to use the Bluebird. So unless people start screaming, I'd like to ask some Q's...

Does opening a Bluebird come with a credit pull?
Does the Bluebird act like a bank account in that I can just set it up with my utilities company to auto-pay or do I first need to transfer the money to my bank account?

And thirdly... can someone explain the whole Walmart ATM thing? Why not just buy the card at CVS and load it up online/transfer to your bank? Where does the ATM come in?

Thanks

10894
Credit Cards / Re: Chase Reconsideration
« on: October 07, 2013, 02:21:23 PM »
I opened my first Chase case in July - SW consumer.

A few weeks ago I did a 2BM - got SP, rejected for BA. Called recon, they shifted credit and approved BA.

Then 2 weeks ago I tried a 4BM - SW biz, Hyatt, Marriot, United - rejected for all 4. After much HUCA (see story at bottom of page http://www.dansdeals.com/archives/22047 if interested), got approved for SW biz.

My problem is, that every recon for the other 3 cards ends in "Too many apps, too new of a Chase customer." They even said that if they would lower one of my existing cards below 5000 limit (which they're all at) they still won't approve a new card.

Should I just use the cards and little and call back once 30 days pass on the SP and BA (but before my recon period of 30 days passes) or do I just need more HUCA?

10895
Credit Cards / Re: Citi AA Master Thread
« on: October 07, 2013, 02:03:37 PM »
Continuing from before... If I have Citi Gold Visa (which doesn't seem like something you can apply for anymore based on this site -- http://citi.us/118jnoJ ) can I downgrade it to a Bronze and then apply for the Platinum Visa? Would that work? (And then maybe try for the Mastercard also at some point?)

10896
Credit Cards / Re: Citi AA Master Thread
« on: October 07, 2013, 12:26:14 PM »
Keeps earlier date.

Great, thanks for being all over the place with answers

10897
Credit Cards / Re: Credit Card Retention Bonuses
« on: October 07, 2013, 12:16:10 PM »
Points are not associated with the bank like UR is to Chase and MR are to Amex...

Thanks :)

10898
Credit Cards / Re: Citi AA Master Thread
« on: October 07, 2013, 12:14:47 PM »
I have the Citi Gold AAdvantage Visa Signature. I never use the card b/c I don't like its benefits but it has a $50 AF. It's one of my earlier cards so I want to keep it open. They offered to switch me to a Bronze card that has no annual fee. Does anyone know if that keeps my original account opening date or if this counts as a new card? And they wouldn't pull my credit for that right?

10899
Credit Cards / Re: Credit Card Retention Bonuses
« on: October 07, 2013, 12:08:39 PM »
Most probably close it within a couple of months of opening it, so as to get the fee refunded. That's what I did.
I had cancelled my card within 60 days and got a refund for the fee. (Once i got the points i didn't need the second card.)

Thanks! And obviously you didn't lose your points?

10900
Credit Cards / Re: Credit Card Retention Bonuses
« on: October 07, 2013, 11:10:21 AM »
Has anyone ever had success with Southwest cards? The fee isn't even waived for the first year, so I imagine not...?

10901
Credit Cards / Re: Southwest Visa 50,000 bonus points
« on: October 07, 2013, 09:45:01 AM »
No, you need to earn 110,000 pts in one calendar year. By applying late in 2013 and hold off on reaching your $2000 spending limit per card until after 2014 (within the 3 months required) when the 104,000 will post + additional spending to reach 110,000 total.

Aha, thanks for clarifying. Oh well.

10902
Credit Cards / Re: 2/3/4BM Master Thread
« on: October 06, 2013, 11:25:13 PM »
When you're going for recon afterwards, is there a reason why you wouldn't want to offer the rep to close a card and transfer the credit limit? Let's assume 3 things: you already got the signup bonus points on the card, it has an AF starting soon, and it's a card that only gives you good points when you spend on flights, like BA and SW.

10903
Credit Cards / Re: Southwest Visa 50,000 bonus points
« on: October 06, 2013, 11:18:00 PM »
The 50K offer ends 10/31.

Ohhhh, valid point. So now it all makes sense. Spending 50K today and then 50K after your December 2013 statement, won't get you 110 for the companion until 2015, will it?

10904
Credit Cards / Re: Southwest Visa 50,000 bonus points
« on: October 06, 2013, 11:08:05 PM »
Ding Ding Ding

But what's the point? Why get the cards now and wait to spend until January? Just get them early next year and spend right away and they'll also last till 12/2015.

10905
Credit Cards / Re: Southwest Visa 50,000 bonus points
« on: October 06, 2013, 10:34:59 PM »
Question about companion pass. Dan wrote in his post that you should hold off finishing spending until after dec statement closes, so it'll post in January 2014, so I'll have the pass until 12/2015.

but then how will I get a companion pass at all, because it says all 110,000 points need to be earned in the same calendar year. if it doesn't post until january, then it's not all in one calendar year.

i already have one SW card with 52k. I'd apply for the other one, and spend 8k more, so i'll have 110k. but I still don't see how i can finish spend in end of dec, have it post in january, and get companion pass for 2 years.

please clarify. thank you

Dan, can you confirm that this doesn't work? From your post about SW, it seems that you CAN do this...

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