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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. ;)
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Author Topic: Questions and Help for BEGINNERS!  (Read 1755059 times)

Offline zlt123

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Re: Questions and Help for BEGINNERS!
« Reply #3060 on: November 19, 2014, 12:46:01 PM »
you could also get it from the CB that your bank checked evry time you apply and get deneid even if you got it approved after recon.
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Online etech0

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Re: Questions and Help for BEGINNERS!
« Reply #3061 on: November 19, 2014, 12:48:00 PM »
Quote from: zlt123 on November 19, 2014, 12:46:01 PM
you could also get it from the CB that your bank checked evry time you apply and get deneid even if you got it approved after recon.
How do you do that? SM the bank? Call?
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Workflowy. You won't know what you're missing until you try it.

Offline Lou Bob

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Re: Questions and Help for BEGINNERS!
« Reply #3062 on: November 19, 2014, 03:21:15 PM »
Quote from: etech0 on November 19, 2014, 12:48:00 PM
How do you do that? SM the bank? Call?
you need to get it from the cb
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Always use an Amex, you'll thank me one day.

Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #3063 on: November 19, 2014, 08:03:06 PM »
I have a new Amex business account where I added a bank and made a payment already towards the current balance. Apparently you can't make another payment again until the statement ends because this is a new card. Will it work if I try making a payment over the phone?
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Offline duddys

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Re: Questions and Help for BEGINNERS!
« Reply #3064 on: November 19, 2014, 11:40:07 PM »
Quote from: sky121 on November 19, 2014, 08:03:06 PM
I have a new Amex business account where I added a bank and made a payment already towards the current balance. Apparently you can't make another payment again until the statement ends because this is a new card. Will it work if I try making a payment over the phone?
I had the same issue and I called up and they said that the only way is to send a check
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Offline 3yummyboys

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Re: Questions and Help for BEGINNERS!
« Reply #3065 on: November 20, 2014, 10:33:42 AM »
You can also do a bill pay from your bank (or evolve using Visa GC   :))
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Offline coralsnake

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Re: Questions and Help for BEGINNERS!
« Reply #3066 on: November 20, 2014, 01:12:47 PM »
Quote from: sky121 on November 19, 2014, 08:03:06 PM
I have a new Amex business account where I added a bank and made a payment already towards the current balance. Apparently you can't make another payment again until the statement ends because this is a new card. Will it work if I try making a payment over the phone?
You can either send them a check or make a payment from your bank account website (or BB/Serve).

You just can't initiate it from Amex cc website.
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Offline PTU

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Re: Questions and Help for BEGINNERS!
« Reply #3067 on: November 24, 2014, 08:52:06 PM »
My mother wants to fly to Israel for free.
Her credit is "weak" which means she will only be able to get approved for 1-2 cards in the next six months.
Which two cards will get her there? (Coach is fine)
TIA!

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Online ckmk47

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Re: Questions and Help for BEGINNERS!
« Reply #3068 on: November 24, 2014, 11:51:12 PM »
Quote from: PTU on November 24, 2014, 08:52:06 PM
My mother wants to fly to Israel for free.
Her credit is "weak" which means she will only be able to get approved for 1-2 cards in the next six months.
Which two cards will get her there? (Coach is fine)
TIA!
Chase's BA has a 50K avios bonus.  You only need 35K for one way on Air Berlin booked with BA avios.
If you get 20K Chase's Ultimate Rewards points you can transfer them to avios. What to apply for, though?  I don't think Chase will give a weak credit risk 2 cards.
AA points also get you to Israel.  A citi AA card may do the trick. 
Barclay's Arrival card gives points that can be used as 1 cent each toward travel expenses.  So she can get this card and use Barclay's points to pay off the price of the ticket.
Keep in mind that you can travel each way with a different pts/ airline.
idea: Apply for the Chase BA.  If she gets instant approval, then immediately apply for a Chase Freedom (20K bonus). If she gets pending, she calls Chase (on the same day) to highlight her good credit qualities and tries to get approved.  If she does, then apply for a Freedom.
If she's denied, maybe a call will help.
Applying for all cards soon after each other may  help them not see how many banks you've applied to.

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Offline PTU

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Re: Questions and Help for BEGINNERS!
« Reply #3069 on: November 25, 2014, 10:27:00 AM »
Quote from: ckmk47 on November 24, 2014, 11:51:12 PM
Chase's BA has a 50K avios bonus.  You only need 35K for one way on Air Berlin booked with BA avios.
If you get 20K Chase's Ultimate Rewards points you can transfer them to avios. What to apply for, though?  I don't think Chase will give a weak credit risk 2 cards.
AA points also get you to Israel.  A citi AA card may do the trick. 
Barclay's Arrival card gives points that can be used as 1 cent each toward travel expenses.  So she can get this card and use Barclay's points to pay off the price of the ticket.
Keep in mind that you can travel each way with a different pts/ airline.
idea: Apply for the Chase BA.  If she gets instant approval, then immediately apply for a Chase Freedom (20K bonus). If she gets pending, she calls Chase (on the same day) to highlight her good credit qualities and tries to get approved.  If she does, then apply for a Freedom.
If she's denied, maybe a call will help.
Applying for all cards soon after each other may  help them not see how many banks you've applied to.
Thank you
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Offline MeirS

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Re: Questions and Help for BEGINNERS!
« Reply #3070 on: November 25, 2014, 02:26:48 PM »
Quote from: ckmk47 on November 24, 2014, 11:51:12 PM
Chase's BA has a 50K avios bonus.  You only need 35K for one way on Air Berlin booked with BA avios.
If you get 20K Chase's Ultimate Rewards points you can transfer them to avios. What to apply for, though?  I don't think Chase will give a weak credit risk 2 cards.
AA points also get you to Israel.  A citi AA card may do the trick. 
Barclay's Arrival card gives points that can be used as 1 cent each toward travel expenses.  So she can get this card and use Barclay's points to pay off the price of the ticket.
Keep in mind that you can travel each way with a different pts/ airline.
idea: Apply for the Chase BA.  If she gets instant approval, then immediately apply for a Chase Freedom (20K bonus). If she gets pending, she calls Chase (on the same day) to highlight her good credit qualities and tries to get approved.  If she does, then apply for a Freedom.
If she's denied, maybe a call will help.
Applying for all cards soon after each other may  help them not see how many banks you've applied to.
A freedom is of no use without a sapphire or ink.
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Online username

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Re: Questions and Help for BEGINNERS!
« Reply #3071 on: November 25, 2014, 02:35:29 PM »
where/how do you book the air berlin with avios? On BA?
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Offline Redbull3

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Re: Questions and Help for BEGINNERS!
« Reply #3072 on: November 25, 2014, 02:46:03 PM »
Quote from: username on November 25, 2014, 02:35:29 PM
where/how do you book the air berlin with avios? On BA?

Yes. What is your question exactly?
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Online username

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Re: Questions and Help for BEGINNERS!
« Reply #3073 on: November 25, 2014, 02:53:17 PM »
Well, i did an award search on BA, and i didn't see any award flights from Air Berlin. I wasn't sure if i was looking in the wrong place, or i just need to change my dates. Or do i need to search for and book each leg separately?

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Offline Marco Polo

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Re: Questions and Help for BEGINNERS!
« Reply #3074 on: November 25, 2014, 02:54:40 PM »
Quote from: username on November 25, 2014, 02:53:17 PM
Well, i did an award search on BA, and i didn't see any award flights from Air Berlin. I wasn't sure if i was looking in the wrong place, or i just need to change my dates. Or do i need to search for and book each leg separately?
Search each leg.
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Quaerite et Invenietis.

Offline Redbull3

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Re: Questions and Help for BEGINNERS!
« Reply #3075 on: November 25, 2014, 02:55:45 PM »
Quote from: username on November 25, 2014, 02:53:17 PM
Well, i did an award search on BA, and i didn't see any award flights from Air Berlin. I wasn't sure if i was looking in the wrong place, or i just need to change my dates. Or do i need to search for and book each leg separately?

Best advice is use aa.com for oneworld availability. ONLY look at awards that have saaver or business saaver. Then when you find the AB flight you want, it'll have a stop over, look up each of the legs separately on BA.com to book.
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Re: Questions and Help for BEGINNERS!
« Reply #3076 on: November 25, 2014, 03:03:58 PM »
thanks guys!
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Re: Questions and Help for BEGINNERS!
« Reply #3077 on: November 25, 2014, 03:23:31 PM »
Quote from: Redbull3 on November 25, 2014, 02:55:45 PM
Best advice is use aa.com for oneworld availability. ONLY look at awards that have saaver or business saaver. Then when you find the AB flight you want, it'll have a stop over, look up each of the legs separately on BA.com to book.

AA.com can sometimes show phantom availability on AB.
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Offline Redbull3

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Re: Questions and Help for BEGINNERS!
« Reply #3078 on: November 25, 2014, 03:43:04 PM »
Quote from: zh cohen on November 25, 2014, 03:23:31 PM
AA.com can sometimes show phantom availability on AB.

Ah that's right I had heard that. Is there a better way though?
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Offline Boruch999

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Re: Questions and Help for BEGINNERS!
« Reply #3079 on: November 25, 2014, 05:11:02 PM »
For a 20 year old with:

770 TU FAKO (credit karma)

787 EX Plus ($1)

1 USAA card with $300 CL opened in June

AU on a Discover with $12k opened in 1989

He lives in Israel, wants to fly to NY for free.  Needs points and cards with no FT fee.

Recommendations?
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