Author Topic: Misc Credit Card Questions  (Read 1865318 times)

Offline Mo2

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Re: Misc Credit Card Questions
« Reply #10360 on: January 06, 2022, 01:50:07 PM »
Can anyone offer an argument to keep Amex plat and Hilton Aspire for another year?

I rarely traveled and find it hard to make benefits useful. I haven't even once redeemed travel on my plat...
I find it difficult to be taking adv of Aspire $200 Resort credit, free night and $250 Airfare to justify $450AF esp with having these other premium cards - Between me and my wife we have 2 Aspires, Biz Plat, Per Plat, 2 Venture X.
keeping one Aspire I think is probably  more then enough for us.
I want to cancel plat and 1 Aspire.

Agree or convince me otherwise
TIA
Common sense is not a gift, it is a punishment.
Because you have to deal with everyone who doesn't have it.

Offline oldguy

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Re: Misc Credit Card Questions
« Reply #10361 on: January 06, 2022, 01:59:10 PM »
Can anyone offer an argument to keep Amex plat and Hilton Aspire for another year?

I rarely traveled and find it hard to make benefits useful. I haven't even once redeemed travel on my plat...
I find it difficult to be taking adv of Aspire $200 Resort credit, free night and $250 Airfare to justify $450AF esp with having these other premium cards - Between me and my wife we have 2 Aspires, Biz Plat, Per Plat, 2 Venture X.
keeping one Aspire I think is probably  more then enough for us.
I want to cancel plat and 1 Aspire.

Agree or convince me otherwise
TIA
On the Aspire, Between the Airline credit, Free night and resort credit, even if you don't use them yourself, you can sell them on DDF and still get some profit.

Offline elazarmn

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Re: Misc Credit Card Questions
« Reply #10362 on: January 06, 2022, 02:21:25 PM »
What would be the best 0 apr balance cc on the market today?

Offline jose34

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Re: Misc Credit Card Questions
« Reply #10363 on: January 06, 2022, 08:08:20 PM »
Can anyone offer an argument to keep Amex plat and Hilton Aspire for another year?

I rarely traveled and find it hard to make benefits useful. I haven't even once redeemed travel on my plat...
I find it difficult to be taking adv of Aspire $200 Resort credit, free night and $250 Airfare to justify $450AF esp with having these other premium cards - Between me and my wife we have 2 Aspires, Biz Plat, Per Plat, 2 Venture X.
keeping one Aspire I think is probably  more then enough for us.
I want to cancel plat and 1 Aspire.

Agree or convince me otherwise
TIA

Similar but not exact Q:
Can anyone justify keeping the Sapphire Reserve instead of downgrading to Sapphire Preferred. 
Only thing I value travel benefits
-Lounges are plus but not a necessity
- 12 hour instead of 6 hours on trip delay will hurt but not a big deal

Having a hard digesting the $250 annual fee just for "Perks".
Also looking to scale back things a bit.

Offline yomo

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Re: Misc Credit Card Questions
« Reply #10364 on: January 07, 2022, 02:27:31 AM »
Similar but not exact Q:
Can anyone justify keeping the Sapphire Reserve instead of downgrading to Sapphire Preferred. 
Only thing I value travel benefits
-Lounges are plus but not a necessity
- 12 hour instead of 6 hours on trip delay will hurt but not a big deal

Having a hard digesting the $250 annual fee just for "Perks".
Also looking to scale back things a bit.
What about 1.5% for PYB?

Offline ChayaS23

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Re: Misc Credit Card Questions
« Reply #10365 on: January 08, 2022, 08:31:55 PM »
I would like to book a flight using chase ultimate rewards points, but need to combine points from a few different cards to cover the flight. Do I gain anything by putting all points on one card over another? I have the following Chase cards: Ink Business Preferred, Ink Business Cash, Sapphire, freedom and freedom unlimited.
TIA!

Offline elazarmn

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Re: Misc Credit Card Questions
« Reply #10366 on: January 08, 2022, 08:35:51 PM »
I would like to book a flight using chase ultimate rewards points, but need to combine points from a few different cards to cover the flight. Do I gain anything by putting all points on one card over another? I have the following Chase cards: Ink Business Preferred, Ink Business Cash, Sapphire, freedom and freedom unlimited.
TIA!
Yes, the sapphire ultimate rewards portal will give you a higher value for your points

Offline ChayaS23

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Re: Misc Credit Card Questions
« Reply #10367 on: January 08, 2022, 09:28:49 PM »
Yes, the sapphire ultimate rewards portal will give you a higher value for your points

Thanks!!

Offline Jack345

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Re: Misc Credit Card Questions
« Reply #10368 on: January 08, 2022, 10:03:52 PM »
Does chase business mailer bypass 5/24 these days?
« Last Edit: January 08, 2022, 11:51:24 PM by Jack345 »

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #10369 on: January 09, 2022, 11:47:45 AM »
What about 1.5% for PYB?
A Preferred redeems at 1.25%.  A difference of 0.25%.
So you'd need to redeem 100,000 points at a loss of the extra .25% to make up the $250 difference in AF.

@ChayaS23
« Last Edit: January 09, 2022, 11:56:12 AM by ckmk47 »
My favorite cause: cssy.org

Offline elazarmn

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Re: Misc Credit Card Questions
« Reply #10370 on: January 09, 2022, 12:30:11 PM »
A Preferred redeems at 1.25%.  A difference of 0.25%.
So you'd need to redeem 100,000 points at a loss of the extra .25% to make up the $250 difference in AF.

@ChayaS23

That's easily done when booking flights or hotels

Offline greatdeals

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Re: Misc Credit Card Questions
« Reply #10371 on: January 10, 2022, 08:27:42 AM »
can you pay a credit card bill with zelle?

Offline Crunchy

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Re: Misc Credit Card Questions
« Reply #10372 on: January 10, 2022, 03:35:46 PM »
I was charged a finance fee $153 for paying a $689 just one day late.
The $689 was just a small part of my balance I have already paid most of the balance.

How could I get waived ?   I already tried twice but with no luck.

Any advice ?

Offline WonderingYid

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Re: Misc Credit Card Questions
« Reply #10373 on: January 10, 2022, 04:45:33 PM »
can you pay a credit card bill with zelle?
No.

Offline WonderingYid

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Re: Misc Credit Card Questions
« Reply #10374 on: January 10, 2022, 04:45:56 PM »
I was charged a finance fee $153 for paying a $689 just one day late.
The $689 was just a small part of my balance I have already paid most of the balance.

How could I get waived ?   I already tried twice but with no luck.

Any advice ?
Which bank?

Offline herb

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Re: Misc Credit Card Questions
« Reply #10375 on: January 10, 2022, 05:16:55 PM »
I was charged a finance fee $153 for paying a $689 just one day late.
The $689 was just a small part of my balance I have already paid most of the balance.

How could I get waived ?   I already tried twice but with no luck.

Any advice ?
huca

Offline Crunchy

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Re: Misc Credit Card Questions
« Reply #10376 on: January 10, 2022, 10:33:21 PM »

Offline WonderingYid

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Offline Hjay

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Re: Misc Credit Card Questions
« Reply #10378 on: January 12, 2022, 10:12:54 AM »
Best card to use to book a flight, for coverage in case of any issues? Amex plat or biz plat or Ritz or freedom?

Offline aryeh1

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Re: Misc Credit Card Questions
« Reply #10379 on: January 13, 2022, 06:33:08 PM »
When logging into amex it tells me I'm eligible to add an amex business platinum account, the application only asks for my income.. is there a hard credit pull?