Topic Wiki

This is the thread where you can ask any random question you have. Feel free to ask even the most basic questions that you otherwise might be embarrassed to ask. This is the thread for beginners, so veterans here will treat you nicely. Ask a beginner's Q in some other threads and no guarantee of that same treatment. ;)
People here want to help, so just have some patience, follow the tips below and hopefully someone will help you when they have a chance.

If you looking for a particular thread you once saw and can't find it, this is not the place to ask. Check out Help Me Find It and ask there.

How to ask a question in this thread:
Click the blue reply button at the top or bottom of the page, type your question, and click post!

Some helpful tips for eliciting answers from other members:
- Keep your question short and precise. No one wants to read a megillah.
- The more questions you ask in one post, the less likely any will be answered. People are willing to answer a question or two, but if you ask all the questions that apply to your particular issue, you're expecting to be spoonfed. Members don't like holding out the spoon, so ask accordingly.


If you Need Help booking Flights?
Need Help Finding a Paid Ticket
Need Help Finding a Award Ticket

« Last edited by DoreshEmes on April 11, 2019, 03:54:27 AM »

Author Topic: Questions and Help for BEGINNERS!  (Read 967135 times)

Offline HelpMe

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2011
  • Posts: 3496
  • Total likes: 13
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Questions and Help for BEGINNERS!
« Reply #285 on: September 27, 2012, 04:57:50 PM »
Is the Bold 50k at office supplies reset after 12 months or Jan 1?
"Elvis Has Left The Building"

Offline Dan

  • Administrator
  • Dansdeals Lifetime 50K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 58460
  • Total likes: 5939
  • DansDeals.com Hat Tips 16442
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA Global Services, AA Lifetime Plat, DL Dirt, SPG Plat, Hyatt Diamond, Fairmont Lifetime Plat, Hilton Diamond, Priority Club Plat, Avis Chairman, National EE, Hertz PC
Re: Questions and Help for BEGINNERS!
« Reply #286 on: September 27, 2012, 05:03:07 PM »
Is the Bold 50k at office supplies reset after 12 months or Jan 1?
"Annually” means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve billing cycles thereafter.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline bubbles

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jul 2011
  • Posts: 5055
  • Total likes: 17
  • DansDeals.com Hat Tips 67
    • View Profile
Re: Questions and Help for BEGINNERS!
« Reply #287 on: September 27, 2012, 05:31:17 PM »
"Annually” means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve billing cycles thereafter.

I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?

Offline Dan

  • Administrator
  • Dansdeals Lifetime 50K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 58460
  • Total likes: 5939
  • DansDeals.com Hat Tips 16442
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA Global Services, AA Lifetime Plat, DL Dirt, SPG Plat, Hyatt Diamond, Fairmont Lifetime Plat, Hilton Diamond, Priority Club Plat, Avis Chairman, National EE, Hertz PC
Re: Questions and Help for BEGINNERS!
« Reply #288 on: September 27, 2012, 06:02:36 PM »
I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?
My quote is from the app page.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline bubbles

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jul 2011
  • Posts: 5055
  • Total likes: 17
  • DansDeals.com Hat Tips 67
    • View Profile
Re: Questions and Help for BEGINNERS!
« Reply #289 on: September 27, 2012, 06:03:41 PM »
My quote is from the app page.

lol that's what I had thought until I got that sm. Now to think if I can leverage this somehow  :D

Offline Saver2000

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Apr 2011
  • Posts: 7562
  • Total likes: 18
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Questions and Help for BEGINNERS!
« Reply #290 on: September 27, 2012, 06:06:07 PM »
I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?
What's "everything else" ?

Offline Dan

  • Administrator
  • Dansdeals Lifetime 50K Presidential Platinum Elite
  • **********
  • Join Date: May 2008
  • Posts: 58460
  • Total likes: 5939
  • DansDeals.com Hat Tips 16442
  • Gender: Male
    • View Profile
  • Location: CLE
  • Programs: UA Global Services, AA Lifetime Plat, DL Dirt, SPG Plat, Hyatt Diamond, Fairmont Lifetime Plat, Hilton Diamond, Priority Club Plat, Avis Chairman, National EE, Hertz PC
Re: Questions and Help for BEGINNERS!
« Reply #291 on: September 27, 2012, 06:16:52 PM »
Now to think if I can leverage this somehow  :D
I'm sure you can...
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline chaimmayer

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2011
  • Posts: 1194
  • Total likes: 13
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: florida
Re: Questions and Help for BEGINNERS!
« Reply #292 on: September 27, 2012, 11:38:49 PM »
If I have a $50 credit on my united card and I don't want to spend on it because I am busy trying to meet other spending thresholds can I ask them for a refund check?

Offline sky121

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: May 2011
  • Posts: 11431
  • Total likes: 140
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Re: Questions and Help for BEGINNERS!
« Reply #293 on: September 27, 2012, 11:39:18 PM »
If I have a $50 credit on my united card and I don't want to spend on it because I am busy trying to meet other spending thresholds can I ask them for a refund check?

Sure. You can ask through SM.
"Not all who wander are lost"

Offline mmermss

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Nov 2011
  • Posts: 4184
  • Total likes: 2
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Israel
Re: Questions and Help for BEGINNERS!
« Reply #294 on: October 09, 2012, 01:59:04 PM »
I was denied from amex plat and PRG because the number i wrote on app was higher than on 4506-t which they said I needed to send in.  So I called amex and told them I wrote "household income" on app and thats why it doesnt match.  So they asked me if I wanted to change what it says on app so i lowered the number (still higher than 4506-t) and she said still not matching....

Should/Could i call up again and ask them if i can change the annual income number on the app to the exact number on 4506-t form?  Only reason I didnt do it first time is because afraid theyll say no to the fact thats its not enough income
It's not about the quantity of your posts.  It's about the quality.

Offline meshugener

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2012
  • Posts: 7079
  • Total likes: 45
  • DansDeals.com Hat Tips 4
  • Gender: Female
    • View Profile
  • Location: DDF
  • Programs: Amex Platinum, Chase Freedom 10X10 Exclusives, Avis Presidents Club, National Executive, Hertz 5 Star, Hilton Gold, Accor Platinum, Hyatt Platinum, Marriott Silver, SPG Gold, Club Carlson Gold
Re: Questions and Help for BEGINNERS!
« Reply #295 on: October 09, 2012, 09:55:23 PM »
Why not?
Love me or hate me. I still love you.

Offline Cbs

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Sep 2010
  • Posts: 4525
  • Total likes: 14
  • DansDeals.com Hat Tips 0
    • View Profile
  • Programs: Hertz President Circle, HHonors Gold, Platinum Medallion, United 1k, AA Executive Platinum
Re: Questions and Help for BEGINNERS!
« Reply #296 on: October 10, 2012, 11:32:04 AM »
ive had a question for a while and i dont have a straight answer for this:
by opening and closing CC's every few months, how badly will that effect your Credit score?

basically im trying to convince a friend to get in to the CC game but he is scared that churning will ruin his score and mess up his credit if he wants to take out a loan or something.
what do i tell him?

Offline AJK

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 25372
  • Total likes: 395
  • DansDeals.com Hat Tips 15
  • Gender: Male
    • View Profile
  • Programs: United Concierge Key; Delta Global Services; American Chairman; US Airways 1K; Hilton Sapphire; Hyatt Tritium; Marriott Californium; Starwood Kryptonium; Hertz Plutonium; National Adamantium, Avis Executive Proactanium
Re: Questions and Help for BEGINNERS!
« Reply #297 on: October 10, 2012, 11:51:43 AM »
Opening cards will have a negative effect on your score to the tune of <10 points per hard inquiry, as well as possibly lowering your AAofA (though it seems this factor is mitigated by the fact that closed accounts apparently stay on one's CR for 10 years before falling off and also count toward AAoA). The score will eventually come back and perhaps be even stronger in light of the fact you now have more credit lines, longer good history, etc.

Closing (credit) cards will also have a negative effect on one's score, all things being equal, as it reduces one's available credit, thereby increasing utilization %.

Though there has been some debate, I personally would not engage in any heavy churning in the months (12-24) leading up to a large loan application (e.g. mortgage).
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline bubbles

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jul 2011
  • Posts: 5055
  • Total likes: 17
  • DansDeals.com Hat Tips 67
    • View Profile
Re: Questions and Help for BEGINNERS!
« Reply #298 on: October 12, 2012, 10:28:22 AM »
"Annually” means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve billing cycles thereafter.
I know dropr but I was told January first. I should be able to tell for sure after this statement if the 15k bonus posts. Do you have personal experience with this or relying that it's like everything else?
hmmm the points didn't show up automatically

Online Kvending

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Oct 2012
  • Posts: 437
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Questions and Help for BEGINNERS!
« Reply #299 on: October 15, 2012, 10:50:18 PM »
Anyone know if it's possible to change your username? & if yes how?