Questions and Help for BEGINNERS!

[abc999]

I am new to this and was looking into signing up for a new credit card. Would you still recommend the 2BM/3BM pull? Which cards would you recommend I apply for? My main objective is to accumualte miles with the most cash calue (like Chase reward points .017).

[Marco Polo]

I am new to this and was looking into signing up for a new credit card. Would you still recommend the 2BM/3BM pull? Which cards would you recommend I apply for? My main objective is to accumualte miles with the most cash calue (like Chase reward points .017).

Try the Sapphire and Freedom cards from Chase.

[Best Cards]

I am new to this and was looking into signing up for a new credit card. Would you still recommend the 2BM/3BM pull? Which cards would you recommend I apply for? My main objective is to accumualte miles with the most cash calue (like Chase reward points .017).

Try the sapphire preferred you should be able to transfer the points

[Barryg]

I am new to this and was looking into signing up for a new credit card. Would you still recommend the 2BM/3BM pull? Which cards would you recommend I apply for? My main objective is to accumualte miles with the most cash calue (like Chase reward points .017).

It depends, if you have no credit or almost none, then it's best to apply for one store card or secured card. If you have some credit then maybe...

[abc999]

I have good credit my question is which cards and if I should do the  2BM/3BM pull.

[abc999]

[Try the Sapphire and Freedom cards from Chase. ]
The Freedom card doesn't offer any reward points.

[sky121]

I have good credit my question is which cards and if I should do the  2BM/3BM pull.

 What is the length of your credit history?
 Do you have any previous cards open already?

[abc999]

[Try the Sapphire and Freedom cards from Chase. ]
The Freedom card doesn't offer any reward points.

[abc999]

I have had good credit history (close to 10 years). I have AMEX gold open and chase Saphire Business.

[Marco Polo]

I have had good credit history (close to 10 years). I have AMEX gold open and chase Saphire Business.

Do they even have that as an option, thought only personal?

[abc999]

I meant the Chase Ink bold business.

[Barryg]

I have good credit my question is which cards and if I should do the  2BM/3BM pull.

Depends how good credit history is and how risky (always a slight chance to get multiple pulls if stuff goes wrong) you want to be but try at least 2bm as the pros definitely beat the cons...

[abc999]

Barryg:which cards would you recommend?

[Barryg]

Barryg:which cards would you recommend?

http://forums.dansdeals.com/index.php?topic=25991.0
It's more of a personal preference, remember that Chase 2/3bm more often will pull twice if combining business and personal, and Amex more often will pull once.
Read above thread's wiki for a quick breakdown...

[meshugener]

Hi DDF,
I'm a long time lurker here and learned a lot reading this forum. Now I finally have a question to ask.
I hope someone here can help me.

I have the Chase Sapphire Preferred MasterCard for over a year now and I just got billed the first annual fee of $95.

I remember Dan posted somewhere that if I switch from MC to Visa it will automatically waive the fee for another year.
Now my question is: can I do it now and they'll automatically reverse the fee or I missed the boat and I should've done so before the charge the fee?

Thanks in advance

Mesh

[DovtheBear]

Hi DDF,
I'm a long time lurker here and learned a lot reading this forum. Now I finally have a question to ask.
I hope someone here can help me.

I have the Chase Sapphire Preferred MasterCard for over a year now and I just got billed the first annual fee of $95.

I remember Dan posted somewhere that if I switch from MC to Visa it will automatically waive the fee for another year.
Now my question is: can I do it now and they'll automatically reverse the fee or I missed the boat and I should've done so before the charge the fee?

Thanks in advance

Mesh

Welcome to the forums!

[lfas25]

Hi DDF,
I'm a long time lurker here and learned a lot reading this forum. Now I finally have a question to ask.
I hope someone here can help me.

I have the Chase Sapphire Preferred MasterCard for over a year now and I just got billed the first annual fee of $95.

I remember Dan posted somewhere that if I switch from MC to Visa it will automatically waive the fee for another year.
Now my question is: can I do it now and they'll automatically reverse the fee or I missed the boat and I should've done so before the charge the fee?

Thanks in advance

Mesh

Welcome to the forums!

I think it YMMV, though you could have them downgrade it to a non preferred or Freedom card and probably get it back.

You are better off applying for a new SP Visa so you get the signup bonus instead of attempting to switch it.

[meshugener]

I think it YMMV, though you could have them downgrade it to a non preferred or Freedom card and probably get it back.

You are better off applying for a new SP Visa so you get the signup bonus instead of attempting to switch it.

Thanks, not in the mood applying for more cards at the moment.
Let me email Jamie and hope he'll take care of my fee.

[churnbabychurn]

Thanks, not in the mood applying for more cards at the moment.
Let me email Jamie and hope he'll take care of my fee.

Expect this if you choose to downgrade:

Date:   11-06-2013 09:39:15
From:   Chase Card Services
Subject:   Re: Account Inquiry
Message:

 
Dear xxxxxxx,

Thank you for contacting Chase about your request to
switch your card to a No Annual fee Sapphire card.

I am pleased to confirm that you have the option to switch
your current card to a Sapphire No annual fee card. I
have provided the details below for the Sapphire No Annual
fee card. Once the switch is complete, the annual fee
will be refunded within 1-2 billing cycles.

Benefits
-------------------

No Annual Fee for this product. Earn 1 point for every $1
on all purchases and an additional 1 point for every $1
spent on dining - when you use your card at restaurants.
Plus earn 1 additional point for every $1 spent when you
book airfare and hotel accommodations online through
Ultimate Rewards. Learn more about your card benefits at
www.chase.com/ultimaterewards. No caps on the amount of
points earned. Bonus/Promotional offers may have a maximum
accumulation. No expiration on points. Product includes a
3% foreign transaction fee for any transactions made in a
foreign currency or made outside of the United States of
America, including some internet transactions.

Sapphire Dining First Friday - cardmembers will earn one
incremental point for a total of 3X points on dining
transactions on the First Friday of each month. Offer will
start on 5/3 and end on 12/6. Sapphire customers are
automatically enrolled in offer. There are no caps or
hurdles. Any dining transaction made on the first Friday
of each month starting on 5/3 will qualify for one
additional point. Earned points will be posted as soon as
transaction is posted on account.

Disclosures
------------------

-Your account APR will not change. However, please note
that your account number will change.

- All enrolled features on your account will stay the
same.

- A new Cardmember Agreement will be sent with the new
card. Terms and conditions will not change. Promotional
balances on the old account will transfer to your new
account at the original promotional terms.

- If you do not currently receive solicitations, you will
not receive them on the new account.

- If a change is processed, any purchases made after the
change is completed, in three business days, will earn
rewards based on the new product that you have selected.

- Your new card gives you access to
www.ultimaterewards.com, where you can earn bonus rewards
for shopping. No changes will be made to any rewards you
previously earned shopping on this site.

- You will receive a letter regarding your annual fee.
Please review this information

-Please keep in mind that when you change to a Visa
Signature card, from a MasterCard World card the benefits
will be different.

- Please note that your account expiration date and
signature panel code will change. If you have automatic
charge billed to your account, you will want to inform
those merchant of the new expiration date once you receive
your new card.

If you wish to proceed with this request, please reply
using the Secure Message Center. Your request will not be
processed unless we receive your confirmation.

We look forward to your reply. If you have any further
questions, please reply using the Secure Message Center.

Sincerely,

S. Sayed
Senior Service Specialist

1-800-493-3319

Account is owned by Chase Bank USA, N.A. and may be
serviced by its affiliates.


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**********
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- Gain instant access to view and download your credit
card information.
- See and pay your bill online
- Transfer balances
- Change your address and much more....

**********************************************************
**********

Original Message Follows:
-------------------------------

Would you please downgrade my Sapphire card to the no
annual fee version and refund the annual fee.
Thanks!

[DovtheBear]

Is DL first class worth it? (points not cash, G-d forbid)
How does booking a lap child work with award tickets?