Author Topic: Misc Credit Card Questions (Read 1912144 times)

JACKBLUE · « **Reply #5920 on:** May 01, 2017, 03:03:03 PM »

Is it possible to do a product change from the delta classic card which has a $55 AF to the every day card?

metsgiantsfan · « **Reply #5921 on:** May 01, 2017, 06:00:29 PM »

I am having a lot of trouble justifying keeping my AMEX Premier Rewards Gold Card..I just got hit with a $195 annual fee. I already have SPG as well as Chase Preferred ($450 annual) =..i used to love my Amex Gold, but the devaluation of points and loss of airline partners, at least from what I am seeing, makes this card about equal to the free cards on the market.. I dont see points valued more the .01. transfers are negative ratios to airlines, and if i buy a ticket w points its .01. the premier card comes with $100 airlines misc. so, annual fee I will say is really $95. But why even pay $95 for this card when there are so many better cards out there.. Am i missing something? pls tell me a reason after 15 years why i SHOULD continue to keep this amex premier gold card..thanks!

David Smith · « **Reply #5922 on:** May 01, 2017, 06:04:43 PM »

Quote from: a good yeshiva bachur on April 28, 2017, 01:57:04 AM

so its worthwhile to transfer MR to SPG?

No

metsgiantsfan · « **Reply #5923 on:** May 01, 2017, 06:11:06 PM »

not sure if i am targeted but its 1:1 amex UR to jetblue rewards

yitzgar · « **Reply #5924 on:** May 01, 2017, 08:44:18 PM »

Quote from: metsgiantsfan on May 01, 2017, 06:11:06 PM

not sure if i am targeted but its 1:1 amex UR to jetblue rewards

Not targeted. TYP had a better bonus, but it just ended

yitzgar · « **Reply #5925 on:** May 01, 2017, 08:47:15 PM »

Quote from: metsgiantsfan on May 01, 2017, 06:00:29 PM

I am having a lot of trouble justifying keeping my AMEX Premier Rewards Gold Card..I just got hit with a $195 annual fee. I already have SPG as well as Chase Preferred ($450 annual) =..i used to love my Amex Gold, but the devaluation of points and loss of airline partners, at least from what I am seeing, makes this card about equal to the free cards on the market.. I dont see points valued more the .01. transfers are negative ratios to airlines, and if i buy a ticket w points its .01. the premier card comes with $100 airlines misc. so, annual fee I will say is really $95. But why even pay $95 for this card when there are so many better cards out there.. Am i missing something? pls tell me a reason after 15 years why i SHOULD continue to keep this amex premier gold card..thanks!

Not sure what changed so much since last year that you don't k ow how to get value after 15 years of hopefully finding value, but if you're only getting 1 cpp, I'd switch to the everyday card, as it has no annual fee

myi · « **Reply #5926 on:** May 01, 2017, 09:58:16 PM »

Quote from: yitzgar on May 01, 2017, 08:47:15 PM

Not sure what changed so much since last year that you don't k ow how to get value after 15 years of hopefully finding value, but if you're only getting 1 cpp, I'd switch to the everyday card, as it has no annual fee

with disputing charges on the gold card is the same easy to do while you have a free card or everyday card?

yitzgar · « **Reply #5927 on:** May 02, 2017, 12:02:56 AM »

Quote from: myi on May 01, 2017, 09:58:16 PM

with disputing charges on the gold card is the same easy to do while you have a free card or everyday card?

Afaik it's the same

JACKBLUE · « **Reply #5928 on:** May 02, 2017, 02:35:22 PM »

Quote from: JACKBLUE on May 01, 2017, 03:03:03 PM

Is it possible to do a product change from the delta classic card which has a $55 AF to the every day card?

bump

Work-for-ur-muny · « **Reply #5929 on:** May 02, 2017, 03:08:19 PM »

I got a letter that one of my Chase credit card accounts are being closed due to inactivity. They wrote that I can continue to use it regularly until its expiration date. What are my chances of getting them to keep it open? I mainly need it open for the points on it. If there's a way for me to transfer the points then I don't really mind.

as2 · « **Reply #5930 on:** May 02, 2017, 03:11:04 PM »

Quote from: Work-for-ur-muny on May 02, 2017, 03:08:19 PM

I got a letter that one of my Chase credit card accounts are being closed due to inactivity. They wrote that I can continue to use it regularly until its expiration date. What are my chances of getting them to keep it open? I mainly need it open for the points on it. If there's a way for me to transfer the points then I don't really mind.

Which card?

Work-for-ur-muny · « **Reply #5931 on:** May 02, 2017, 03:12:35 PM »

Quote from: as2 on May 02, 2017, 03:11:04 PM

Which card?

Plain ole' sapphire (without any other nicknames

)

JACKBLUE · « **Reply #5932 on:** May 02, 2017, 03:25:31 PM »

Quote from: Work-for-ur-muny on May 02, 2017, 03:08:19 PM

I got a letter that one of my Chase credit card accounts are being closed due to inactivity. They wrote that I can continue to use it regularly until its expiration date. What are my chances of getting them to keep it open? I mainly need it open for the points on it. If there's a way for me to transfer the points then I don't really mind.

you don't mind loosing a CL from chase?
assuming you're way over 5/24.....

Work-for-ur-muny · « **Reply #5933 on:** May 02, 2017, 03:34:25 PM »

Quote from: JACKBLUE on May 02, 2017, 03:25:31 PM

you don't mind loosing a CL from chase?
assuming you're way over 5/24.....

I'm not over 5/24, so, no. What good use is this card bringing me? It has no benefits, so what do I care? Unless someone suggests I transfer the credit line to, say, my reserve?

mmgfarb · « **Reply #5934 on:** May 02, 2017, 03:40:01 PM »

Quote from: Work-for-ur-muny on May 02, 2017, 03:34:25 PM

I'm not over 5/24, so, no. What good use is this card bringing me? It has no benefits, so what do I care? Unless someone suggests I transfer the credit line to, say, my reserve?

Transfer point and credit line to your reserve and then close.