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

Author Topic: Questions and Help for BEGINNERS!  (Read 1737938 times)

Offline Jeremiah

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Re: Questions and Help for BEGINNERS!
« Reply #1400 on: September 01, 2013, 04:15:32 AM »
A basic q here but I can't figure out how to get what ur looking for thru the search.
How often can u sign up for the same cc and still get the sign up bonus? Do u have to close the card first? If yes how long does it have to be closed for. Tyvm

Offline Centro

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Re: Questions and Help for BEGINNERS!
« Reply #1401 on: September 01, 2013, 04:57:28 AM »
A basic q here but I can't figure out how to get what ur looking for thru the search.
How often can u sign up for the same cc and still get the sign up bonus? Do u have to close the card first? If yes how long does it have to be closed for. Tyvm
That's called Churning, just search for that.

Offline Jeremiah

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Re: Questions and Help for BEGINNERS!
« Reply #1402 on: September 01, 2013, 06:42:53 AM »
That's called Churning, just search for that.
thanks but I'm just looking for a simple list that says how often u should churn each card (on avg of course because I imagine that ymmv)

Offline lfas25

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Re: Questions and Help for BEGINNERS!
« Reply #1403 on: September 01, 2013, 08:26:41 AM »
thanks but I'm just looking for a simple list that says how often u should churn each card (on avg of course because I imagine that ymmv)

I don't think there is a list with every card. If your looking at a specific card(s) either search and see if it's discussed or ask and see if you get an answer.
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Offline CountValentine

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Re: Questions and Help for BEGINNERS!
« Reply #1404 on: September 01, 2013, 09:08:10 PM »
What are the current rules for an 18 year old getting a CC. Do they need a 21+ as joint account holder?
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Offline meshugener

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Re: Questions and Help for BEGINNERS!
« Reply #1405 on: September 01, 2013, 10:25:10 PM »
AFAIK there's no difference between 18 and 21 besides that a <21 can not apply over the phone.
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Offline bubbles

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Re: Questions and Help for BEGINNERS!
« Reply #1406 on: September 01, 2013, 10:29:41 PM »
AFAIK there's no difference between 18 and 21 besides that a <21 can not apply over the phone.

My brothers recent experience was the same

Offline Achas Veachas

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Re: Questions and Help for BEGINNERS!
« Reply #1407 on: September 01, 2013, 10:35:51 PM »
IINM DovTheBear recently turned 18 and has quite a collection by now...

Offline meshugener

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Re: Questions and Help for BEGINNERS!
« Reply #1408 on: September 01, 2013, 10:37:13 PM »
I think he only has secured cards. CMIIW.

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Offline Achas Veachas

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Re: Questions and Help for BEGINNERS!
« Reply #1409 on: September 01, 2013, 10:38:49 PM »
Not sure, maybe he can come in..

Offline DovtheBear

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Re: Questions and Help for BEGINNERS!
« Reply #1410 on: September 01, 2013, 10:42:33 PM »
IINM DovTheBear recently turned 18 and has quite a collection by now...
Wow, pretty good memory. :)
My 'collection' consists of a meager 2 right now, but will hopefully be taking exponential leaps in the coming months, IY'H.  :D
I think he only has secured cards. CMIIW.

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Edit: Yes, my 2 are secured.
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Offline meshugener

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Re: Questions and Help for BEGINNERS!
« Reply #1411 on: September 01, 2013, 10:47:34 PM »
Nothing to be ashamed of, you're doing pretty good!
You're one of the very few newbies who (CMIIW) didn't irritate the elders here.
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Offline DovtheBear

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Re: Questions and Help for BEGINNERS!
« Reply #1412 on: September 01, 2013, 10:48:31 PM »
Nothing to be ashamed of, you're doing pretty good!
You're one of the very few newbies who (CMIIW) didn't irritate the elders here.
Yes, I believe that's how it was in those days.  8)
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Offline joed25

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Re: Re: Questions and Help for BEGINNERS!
« Reply #1413 on: September 09, 2013, 09:51:05 PM »
I recently got 2 chase personal cards (Sapphire and British). I would like to buy vanilla reloads but don't want to risk FR. If I buy them on each card does Chase consider it that I am spending X amount on my name on VRs and there would be more concern for FR or are the two cards totally separate?  Thank you.

Offline notanonymous

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Re: Re: Re: Questions and Help for BEGINNERS!
« Reply #1414 on: September 10, 2013, 04:01:35 PM »
I recently got 2 chase personal cards (Sapphire and British). I would like to buy vanilla reloads but don't want to risk FR. If I buy them on each card does Chase consider it that I am spending X amount on my name on VRs and there would be more concern for FR or are the two cards totally separate?  Thank you.

Offline Marco Polo

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Re: Re: Re: Questions and Help for BEGINNERS!
« Reply #1415 on: September 10, 2013, 04:58:01 PM »
I recently got 2 chase personal cards (Sapphire and British). I would like to buy vanilla reloads but don't want to risk FR. If I buy them on each card does Chase consider it that I am spending X amount on my name on VRs and there would be more concern for FR or are the two cards totally separate?  Thank you.
They don't necessarily know you are buying VR's. As long as you are not spending many many thousands on VR's in a very short period of time, you should not have to worry. 
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Offline notanonymous

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Re: Re: Re: Questions and Help for BEGINNERS!
« Reply #1416 on: September 10, 2013, 09:22:47 PM »
They don't necessarily know you are buying VR's. As long as you are not spending many many thousands on VR's in a very short period of time, you should not have to worry.
I just realized that somehow my above post disappeared.  I would just add...make sure to mix in other spending as well.

Offline CountValentine

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Re: Re: Re: Questions and Help for BEGINNERS!
« Reply #1417 on: September 12, 2013, 07:40:09 AM »
They don't necessarily know you are buying VR's. As long as you are not spending many many thousands on VR's in a very short period of time, you should not have to worry.
I would just add...make sure to mix in other spending as well.
Any reports of IP/IB being closed for buying VR's/GC's?
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Offline Marco Polo

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Re: Re: Re: Questions and Help for BEGINNERS!
« Reply #1418 on: September 12, 2013, 08:24:17 AM »
Any reports of IP/IB being closed for buying VR's/GC's?
I have not heard or experienced anything.

Quaerite et Invenietis.

Offline HP58

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Re: Questions and Help for BEGINNERS!
« Reply #1419 on: September 13, 2013, 12:14:19 PM »
I presently have 4 CCs (no Amex) & was recently (3 mo. ago) added on to my Dad's Amex as an AU. I want to apply for Starwood personal & business in the near future. Should I cancel the AU card before I apply or is it better that I'm an AU on an account w/ a long history?