Author Topic: Misc Credit Card Questions  (Read 669080 times)

Online myi

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Re: Misc Credit Card Questions
« Reply #8565 on: May 19, 2019, 08:55:51 PM »
Is there a card that's better then another for credit building? Or once your SS is added to a card or added as an AU on a household account it would all be the same time frame to build your credit?
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Offline runnergirl

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Re: Misc Credit Card Questions
« Reply #8566 on: May 20, 2019, 09:06:08 PM »
I trust this has been addressed up-thread so apologies in advance. What's been the verdict these days - when Amex accounts get shut down do you loose your points?

Offline as2

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Re: Misc Credit Card Questions
« Reply #8567 on: May 20, 2019, 09:34:36 PM »
I trust this has been addressed up-thread so apologies in advance. What's been the verdict these days - when Amex accounts get shut down do you loose your points?
You typically have 30 days to transfer them out.
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Offline runnergirl

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Re: Misc Credit Card Questions
« Reply #8568 on: May 20, 2019, 09:35:59 PM »
Hope you are correct. Any thoughts of where best to transfer them?

Offline as2

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Re: Misc Credit Card Questions
« Reply #8569 on: May 20, 2019, 09:37:10 PM »
Hope you are correct. Any thoughts of where best to transfer them?
LM, BA, VA, or any other program of your liking. Can't really advise.
Memories last forever, make them while you can.

Offline chayal101

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Re: Misc Credit Card Questions
« Reply #8570 on: May 20, 2019, 11:09:34 PM »
Hi, I have a friend that's looking to do $10k (correction possibly $25k) college spend (doesn't need a 0 apr card), she's looking for a single personal cc with highest welcome bonus offer avail. (and for 10k+ spend for education, double points possibly so she comes out with most points possible)
1. She is not interested in opening a biz card
2. She's only looking to open 1 single card, she's not a credit card junkie
3. She currently has a Sapphire preferred and Freedom
What card do you recommend and why? Thanks in advance.
« Last Edit: May 20, 2019, 11:15:52 PM by chayal101 »
Chaya L.

Offline GEMARAKOP

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Re: Misc Credit Card Questions
« Reply #8571 on: May 20, 2019, 11:21:51 PM »
Hi, I have a friend that's looking to do $10k (correction possibly $25k) college spend (doesn't need a 0 apr card), she's looking for a single personal cc with highest welcome bonus offer avail. (and for 10k+ spend for education, double points possibly so she comes out with most points possible)
1. She is not interested in opening a biz card
2. She's only looking to open 1 single card, she's not a credit card junkie
3. She currently has a Sapphire preferred and Freedom
What card do you recommend and why? Thanks in advance.
If shes interested in travel the Barclays arrival should be a good idea.https://www.dansdeals.com/credit-cards/highest-offer-ever-earn-70000-miles-spending-5000-barclaycard-arrival-plus-world-elite-mastercard/

Offline Alexsei

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Offline chayal101

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Re: Misc Credit Card Questions
« Reply #8573 on: May 20, 2019, 11:26:14 PM »
If shes interested in travel the Barclays arrival should be a good idea.https://www.dansdeals.com/credit-cards/highest-offer-ever-earn-70000-miles-spending-5000-barclaycard-arrival-plus-world-elite-mastercard/
yes, she is thinking of travelling, She wants to fly to Hawaii, will she have good flight options?
She was actually thinking of going with this one. if anybody has any other recommendations, pls share. thanks.
Chaya L.

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Re: Misc Credit Card Questions
« Reply #8574 on: May 20, 2019, 11:41:46 PM »
yes, she is thinking of travelling, She wants to fly to Hawaii, will she have good flight options?
She was actually thinking of going with this one. if anybody has any other recommendations, pls share. thanks.
Remember the card gives you points and those points can only be redeemed for a cash paid flight or travel on your account.
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Offline GEMARAKOP

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Re: Misc Credit Card Questions
« Reply #8575 on: May 20, 2019, 11:44:07 PM »
yes, she is thinking of travelling, She wants to fly to Hawaii, will she have good flight options?
She was actually thinking of going with this one. if anybody has any other recommendations, pls share. thanks.
This is actually a cashback on travel card good if you dont whant to be busy with all the airline points options.Though the value is fixed

Offline chayal101

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Re: Misc Credit Card Questions
« Reply #8576 on: May 20, 2019, 11:46:27 PM »
Remember the card gives you points and those points can only be redeemed for a cash paid flight or travel on your account.
Ye, I'm sure chase or amex points value may be greater (with the right cards...) But I think the Barclay is perfect for her being that she's earning 2 points per dollar and she is able to book travel wherever she wants, and use points to pay it off...
Chaya L.

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Re: Misc Credit Card Questions
« Reply #8577 on: May 20, 2019, 11:52:41 PM »
Ye, I'm sure chase or amex points value may be greater (with the right cards...) But I think the Barclay is perfect for her being that she's earning 2 points per dollar and she is able to book travel wherever she wants, and use points to pay it off...
And that you get 70000 or rather 80,000 after she spends 5K in the first 3 months.

That's already worth $800.
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Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8578 on: May 21, 2019, 12:40:32 AM »
If you value Chase UR points highly, the freedom unlimited is a free card that gives 3 ppd on 1st 20k. that's 20k spend for 60k UR.
The Barclays would get 110k points for 20k spend
Common sense is not common enough

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Re: Misc Credit Card Questions
« Reply #8579 on: May 21, 2019, 12:46:13 AM »
If you value Chase UR points highly, the freedom unlimited is a free card that gives 3 ppd on 1st 20k. that's 20k spend for 60k UR.
The Barclays would get 110k points for 20k spend
they did say they have the preferred card so that would make a good choice taking the freedom unlimited to get three times per a dollar then transfer to the preferred and book award tickets.
Now they did mention as well they have the freedom not sure if it's the freedom unlimited or the regular freedom so they might want a different card.
as well they already come out ahead with the Barclays card worth $1,100 which is the freedom only 700/750 after  redeeming for cash, or using for flights you can get a lot more value.
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