Author Topic: Questions and Help for BEGINNERS! (Read 1767408 times)

etech0 · « **Reply #6480 on:** February 02, 2016, 02:28:27 PM »

Quote from: GettingReady on February 02, 2016, 02:04:11 PM

If you were going to pick one CC for automatic payments due to the biller giving a 2% discount, taking an AF (or not) into consideration, which top 3 CCs would you choose in order of priority?

EDP if I was anyways paying the AF
Fidelity Amex (2% CB)
SPG/Arrival+

ludmila · « **Reply #6481 on:** February 02, 2016, 03:40:46 PM »

Quote from: HelpMe on May 04, 2012, 01:37:44 AM

Let me start off with a couple of questions. If I don’t get flamed I would say it is safe for anyone to ask a question.

I just booked a ticket on BA flying on AA. One day between booking and flying. I was charged 20k points and a $5 fee. I was surprised I wasn’t charge some sort of fee for booking so late. Is this the way most programs work?

If I transfer points from one BA account to another family members BA account will this extend the time of expiation?

BA and a few others do not have a surcharge for booking within 21 days before departure, others for e.g United and AA will charge a pretty hefty fee except to their elite members.

ludmila · « **Reply #6482 on:** February 02, 2016, 03:47:22 PM »

Quote from: GettingReady on February 02, 2016, 02:04:11 PM

If you were going to pick one CC for automatic payments due to the biller giving a 2% discount, taking an AF (or not) into consideration, which top 3 CCs would you choose in order of priority?

If you are looking for miles or points ill go with SPG or Everyday Preferred , for cash back Fidelity Amex or Citi Double Cash.

ludmila · « **Reply #6483 on:** February 02, 2016, 03:49:03 PM »

Quote from: keemster26 on February 01, 2016, 02:59:28 PM

If I downgrade a card do I get a pull for the new card?

No, not even a soft pull.

ludmila · « **Reply #6484 on:** February 02, 2016, 04:18:19 PM »

Quote from: Zevi16 on January 23, 2016, 05:29:29 PM

If I go to London and I want to get 2 nights in a hotel paid with points what would be my best bet? I have a whole bunch of UR and some spg. What would I need to do?
I have no clue about points. I just spend money so I have racked up some points which I would like to use wisely.
Tia

I would use UR for Hyatt, they have nice properties in London, I stay there frequently, SPG has nice properties too, but I like to use my SPG points to transfer to airlines at 20000 increments to get the bonus points, but with Marriott buying SPG and if you do not want to use your points for flights, it'll be a good time to burn your SPG points before the merger.

ludmila · « **Reply #6485 on:** February 02, 2016, 04:37:29 PM »

Quote from: keemster26 on January 19, 2016, 05:23:37 PM

Hello. I just got approved for 2 southwest cards. Wanted to go for 1 more chase card today. What the best hotel credit card to get w/ chase? I currently have no hotel credit cards other than spg. Should I go for Hyatt, Mariott, Fairmount, Ritz-Carlton, or ihg? Any suggestions? Tia

First I would not apply for a 3rd Chase card after just being approved for 2 especially with their new rules. But if you still want to give it a shot ill go for IHG , they recently changed the free night to any category which is a great bargain for a low annual fee card.

ludmila · « **Reply #6486 on:** February 02, 2016, 04:41:16 PM »

Quote from: syrkadyrk on January 19, 2016, 03:00:46 AM

Two months ago I got a college credit card from my bank with a score of 634. What is my next step to building credit/getting better credit cards?

Chase Freedom, the best no fee credit card and the easiest to get approved from Chase!!!

ludmila · « **Reply #6487 on:** February 02, 2016, 04:43:47 PM »

Quote from: LoLo on January 14, 2016, 06:02:22 PM

2 & 3 for me.

Plus 1

GettingReady · « **Reply #6488 on:** February 02, 2016, 05:53:58 PM »

Quote from: Tom Brady on February 02, 2016, 02:07:50 PM

Barclays Arrival Plus
Amex Everyday Preferred
Amex SPG
Citi Double Cash

Quote from: etech0 on February 02, 2016, 02:28:27 PM

EDP if I was anyways paying the AF
Fidelity Amex (2% CB)
SPG/Arrival+

Quote from: ludmila on February 02, 2016, 03:47:22 PM
If you are looking for miles or points ill go with SPG or Everyday Preferred , for cash back Fidelity Amex or Citi Double Cash.

Thanks for the replies and even giving a 4th option! We currently have Barclay Arrival +, SPG (two mentioned above) and Capital One Sparks which I though might be suggested with 2% CB and a $59 AF. Course you don't get the 5% like with Barclay. Also have other cards that weren't contenders.

I've only checked one company but was surprised to find out that they allow auto payment via CC and give a 2% discount on a Medigap policy. Hoping Medicare Part B can also be paid by CC.

lechatchileh ariber · « **Reply #6489 on:** February 02, 2016, 07:04:11 PM »

Quote from: ludmila on February 02, 2016, 03:40:46 PM

BA and a few others do not have a surcharge for booking within 21 days before departure, others for e.g United and AA will charge a pretty hefty fee except to their elite members.

2nd time in two days.
Where is this trend coming from?

D93 · « **Reply #6490 on:** February 03, 2016, 12:48:54 AM »

Quote from: ludmila on February 02, 2016, 03:40:46 PM

BA and a few others do not have a surcharge for booking within 21 days before departure, others for e.g United and AA will charge a pretty hefty fee except to their elite members.

You realize your answering a post from 3.5 years ago?

D93 · « **Reply #6491 on:** February 03, 2016, 12:49:23 AM »

Quote from: lechatchileh ariber on February 02, 2016, 07:04:11 PM

2nd time in two days.
Where is this trend coming from?

What trend?

Der Deutsche Jude · « **Reply #6492 on:** February 03, 2016, 01:24:56 AM »

Quote from: D93 on February 03, 2016, 12:49:23 AM

What trend?

Of responding to old posts, I think.

lechatchileh ariber · « **Reply #6493 on:** February 03, 2016, 02:48:12 AM »

Quote from: Der Deutsche Jude on February 03, 2016, 01:24:56 AM

Of responding to old posts, I think.

Correct.
Maybe they're going through 'unread'?

D93 · « **Reply #6494 on:** February 03, 2016, 03:06:13 AM »

Quote from: lechatchileh ariber on February 03, 2016, 02:48:12 AM

Correct.
Maybe they're going through 'unread'?

LOL! They'll have a lot of catching up to do.

lechatchileh ariber · « **Reply #6495 on:** February 03, 2016, 07:03:48 PM »

Quote from: D93 on February 03, 2016, 03:06:13 AM

LOL! They'll have a lot of catching up to do.

If only I would be as dedicated, to go through everything from the beginning...

GettingReady · « **Reply #6496 on:** February 03, 2016, 07:35:42 PM »

Quote from: lechatchileh ariber on February 03, 2016, 07:03:48 PM

If only I would be as dedicated, to go through everything from the beginning...

Going through old posts is the easy part. Remembering what you read and not getting deals mixed up is the hard part.

BTW, this is one of my favorite threads of any forum.

lechatchileh ariber · « **Reply #6497 on:** February 03, 2016, 10:39:37 PM »

Is there a way to find out how your gift card is coded?

Tom Brady · « **Reply #6498 on:** February 03, 2016, 11:09:58 PM »

Quote from: lechatchileh ariber on February 03, 2016, 10:39:37 PM

Is there a way to find out how your gift card is coded?

Can you elaborate? Usually it's not your card that is coded, but what you're buying with the card that is.

lechatchileh ariber · « **Reply #6499 on:** February 04, 2016, 12:00:37 PM »

Quote from: Tom Brady on February 03, 2016, 11:09:58 PM

Can you elaborate? Usually it's not your card that is coded, but what you're buying with the card that is.

If the gift card is coded as debit credit etc.
Eta: IIUC different platforms accept different coding's for different things.

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Author Topic: Questions and Help for BEGINNERS! (Read 1767408 times)