Author Topic: Questions and Help for BEGINNERS! (Read 1768746 times)

intgesh · « **Reply #1700 on:** December 17, 2013, 11:33:06 PM »

I asked this on another thread, but it could be it was off topic there.

This is a combination-lack-of-knowledge question, so may be slightly OT, but not completely. I've had a personal SPG account since May, and want to reset my 12-month clock and close it. (I have SPG Biz, don't worry

). I don't want to lose the CL, so I can downgrade to the Blue, or shift to my Delta Gold card. I also bought a GPS on the card,and I want to retain the AmEx extended warranty. Does either option allow me to hold on to the protection? Does the Blue option keep the same account number, and thereby it's the same account?
Thanks.

raphy781 · « **Reply #1701 on:** December 18, 2013, 05:12:47 AM »

Quote from: intgesh on December 17, 2013, 11:33:06 PM

I asked this on another thread, but it could be it was off topic there.

This is a combination-lack-of-knowledge question, so may be slightly OT, but not completely. I've had a personal SPG account since May, and want to reset my 12-month clock and close it. (I have SPG Biz, don't worry ). I don't want to lose the CL, so I can downgrade to the Blue, or shift to my Delta Gold card. I also bought a GPS on the card,and I want to retain the AmEx extended warranty. Does either option allow me to hold on to the protection? Does the Blue option keep the same account number, and thereby it's the same account?
Thanks.

If you still have an account open with Amex, you'll have the extended warranty.
I downgraded to a blue card. Same account but I got a new card number.

intgesh · « **Reply #1702 on:** December 18, 2013, 08:58:25 AM »

Quote from: raphy781 on December 18, 2013, 05:12:47 AM

If you still have an account open with Amex, you'll have the extended warranty.
I downgraded to a blue card. Same account but I got a new card number.

Ok thanks. If it's a new number that answers another question I was going to ask- if I have to update automatic payments charged to my SPG. I guess so. And lastly, my statement doesn't close for a few more days, and I don't want to lose the ~2k Starpoints earned this month. Do I need to wait for them to post before downgrading? Or can I downgrade to Blue and they will post anyway?

bahnbino · « **Reply #1703 on:** December 18, 2013, 10:47:27 AM »

I have a Chase Freedom and applied for another on Sunday. I got an email that it was pending and called on Wednesday [today] to determine the status/ get reconsidered, but was told that you cannot have 2 Freedom cards and I'd have to pay off and close my existing one to get the new Freedom card. Is that true? What should/can I do other than paying off and closing the existing one?

Marco Polo · « **Reply #1704 on:** December 18, 2013, 10:56:54 AM »

Quote from: bahnbino on December 18, 2013, 10:47:27 AM

I have a Chase Freedom and applied for another on Sunday. I got an email that it was pending and called on Wednesday [today] to determine the status/ get reconsidered, but was told that you cannot have 2 Freedom cards and I'd have to pay off and close my existing one to get the new Freedom card. Is that true? What should/can I do other than paying off and closing the existing one?

Try and convince them why you need a second card.

bahnbino · « **Reply #1705 on:** December 18, 2013, 10:59:41 AM »

How do I convince them? I just want it for the 0%...thanks.

notanonymous · « **Reply #1706 on:** December 18, 2013, 09:07:12 PM »

Quote from: bahnbino on December 18, 2013, 10:59:41 AM

How do I convince them? I just want it for the 0%...thanks.

HSA

bahnbino · « **Reply #1707 on:** December 18, 2013, 09:12:58 PM »

I called again and the 2d rep said I could not get a 2d Chase Freedom card with the sign up incentives under any circumstances, even if I cancelled the Freedom card that I have [despite one being MC and one Visa, b/c it is the same product]! Both reps said that they never pulled my credit on the application b/c you just can't have 2 Freedom cards.

But, then the 2d rep suggested that I could get a 2d Freedom card if I only use it for business expenses, and I was approved after shifting some credit from other Chase cards that I never use.

So, once I start using this "business" card for regular things will they call me on that in any penalty way?

Barryg · « **Reply #1708 on:** December 18, 2013, 11:25:34 PM »

Quote from: bahnbino on December 18, 2013, 09:12:58 PM

I called again and the 2d rep said I could not get a 2d Chase Freedom card with the sign up incentives under any circumstances, even if I cancelled the Freedom card that I have [despite one being MC and one Visa, b/c it is the same product]! Both reps said that they never pulled my credit on the application b/c you just can't have 2 Freedom cards.

But, then the 2d rep suggested that I could get a 2d Freedom card if I only use it for business expenses, and I was approved after shifting some credit from other Chase cards that I never use.

So, once I start using this "business" card for regular things will they call me on that in any penalty way?

Are you trying to say that you got a cc without a credit pull! or did 2nd rep pull your credit before approving...

bahnbino · « **Reply #1709 on:** December 18, 2013, 11:37:38 PM »

No, I'm assuming they pulled it during the 2d call, but both reps said that initially they just rejected my application w/o pulling my credit b/c you cannot have two Chase Freedom cards [though you can have multiple Sapphire cards b/c they have different kinds; Visa and Mastercard are considered the same acc. to the 2d rep].

I'm just concerned if there will be any repercussions once I use it since the purchases will not look like business ones.

lfas25 · « **Reply #1710 on:** December 18, 2013, 11:52:32 PM »

Quote from: lfas25 on December 17, 2013, 07:47:13 PM

Do I need to worry about buying VRs or GC and paying the card back via BB with Citi bank?

Bump

itsyehuda · « **Reply #1711 on:** December 19, 2013, 03:08:54 PM »

Quote from: lfas25 on December 18, 2013, 11:52:32 PM

Bump

I pay Citi back with BB.

I do have over 10 Years of history with them, though.

Barryg · « **Reply #1712 on:** December 20, 2013, 03:03:48 AM »

Quote from: itsyehuda on December 19, 2013, 03:08:54 PM

I pay Citi back with BB.

I do have over 10 Years of history with them, though.

Me too
Me too (around 10 years)
I pay all cc's including Amex with bb, but I use bb for many other bills and pay cc's from bank accounts as well...

Dave321 · « **Reply #1713 on:** December 26, 2013, 03:35:59 PM »

total random question.

I had a continental onepass account with miles in it.

Was that automatically transferred to the milageplus program or did i lose those miles?

TIA

SRM · « **Reply #1714 on:** December 26, 2013, 03:46:27 PM »

I'm a beginner and don't know if I'm posting in the right thread but here goes. I tried a 3bm for chase Ink Plus, Ink Bold and United Biz. I received application pending. I called up 2 days later to check on the status and 2 of the 3 were declined the 3rd was still pending. I was told by the reconsideration department that my business was too new and didn't have enough experience or revenue. Through my research on the forums it seemed that I can put 1 year for length of time and 0$ for revenue. Can someone offer any suggestions...do I have to wait 3 to 6 months and try again...did I do something wrong? Thank you in advance.

Marco Polo · « **Reply #1715 on:** December 26, 2013, 05:49:52 PM »

Quote from: SRM on December 26, 2013, 03:46:27 PM

I'm a beginner and don't know if I'm posting in the right thread but here goes. I tried a 3bm for chase Ink Plus, Ink Bold and United Biz. I received application pending. I called up 2 days later to check on the status and 2 of the 3 were declined the 3rd was still pending. I was told by the reconsideration department that my business was too new and didn't have enough experience or revenue. Through my research on the forums it seemed that I can put 1 year for length of time and 0$ for revenue. Can someone offer any suggestions...do I have to wait 3 to 6 months and try again...did I do something wrong? Thank you in advance.

You should call up to recon your card. Speaking with an agent may be better in getting them to approve your cards.

Getting instant approvals are not always so likely, having to HUCA is where you get a lot of your cards.

SRM · « **Reply #1716 on:** December 27, 2013, 07:34:15 AM »

Quote from: Marco Polo on December 26, 2013, 05:49:52 PM

You should call up to recon your card. Speaking with an agent may be better in getting them to approve your cards.

Getting instant approvals are not always so likely, having to HUCA is where you get a lot of your cards.

Any suggestions for what I should tell them? I have to stick to the no years of experience and no current revenue...will I get them to reconsider anyway?

jeremy · « **Reply #1717 on:** December 27, 2013, 04:58:04 PM »

Here is my question (and I have seen others ask this):

Dan mentioned to buy $1,500 of Amazon gift cards on the Freedom card to take advantage of the 5X points. Then he mentioned being able to link the amazon gift cards to your amazon payment account and then sending money (no need to explain this process); however, I can't figure out how to load the amazon gift card funds onto my amazon payment account.

It appears you can load Visa, MC or AMEX gift cards, but not amazon gift cards. Also, it doesn't look like you can purchase Visa, MC or AMEX gift cards on amazon.com.

So how do I get my $1,500 in amazon gift cards out of amazon and back in cash?

Thanks.

itsyehuda · « **Reply #1718 on:** December 29, 2013, 02:12:08 AM »

Quote from: jeremy on December 27, 2013, 04:58:04 PM

Here is my question (and I have seen others ask this):

Dan mentioned to buy $1,500 of Amazon gift cards on the Freedom card to take advantage of the 5X points. Then he mentioned being able to link the amazon gift cards to your amazon payment account and then sending money (no need to explain this process); however, I can't figure out how to load the amazon gift card funds onto my amazon payment account.

It appears you can load Visa, MC or AMEX gift cards, but not amazon gift cards. Also, it doesn't look like you can purchase Visa, MC or AMEX gift cards on amazon.com.

So how do I get my $1,500 in amazon gift cards out of amazon and back in cash?

Thanks.

You don't. You use them on Amazon.

joed25 · « **Reply #1719 on:** December 29, 2013, 08:23:17 PM »

I need help booking a few award flights to Florida with either Avios or Aadvantage miles. I'v never done this before and I dont want to screw up. I'm willing to pay a small fee if someone could walk me through over the phone. Please pm me if you can help. Thanks.

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Author Topic: Questions and Help for BEGINNERS! (Read 1768746 times)