Author Topic: Misc Credit Card Questions  (Read 908404 times)

Offline chief_mag

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Feb 2019
  • Posts: 361
  • Total likes: 66
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #9140 on: January 27, 2020, 04:14:08 PM »
Want to open a new biz card that doesn't go on my Credit Report. Currently have two inks. Spend ~20k a month in miscellaneous categories. Any suggestions as to what to apply for?

Offline ME17

  • Dansdeals Silver Elite
  • **
  • Join Date: Oct 2015
  • Posts: 93
  • Total likes: 3
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: chicago
Re: Misc Credit Card Questions
« Reply #9141 on: January 27, 2020, 04:15:18 PM »
Does anyone know if visa credit cards issued in israel offer the same return protections that US cards have?

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 6844
  • Total likes: 416
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Misc Credit Card Questions
« Reply #9142 on: January 27, 2020, 04:44:23 PM »
Want to open a new biz card that doesn't go on my Credit Report. Currently have two inks. Spend ~20k a month in miscellaneous categories. Any suggestions as to what to apply for?
Dan's got a United biz card up with 100K pts for spending $10K.
Besides that, find something that earns more than 1 ppd (point per dollar) of valuable points.

Offline simplicity

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2019
  • Posts: 720
  • Total likes: 56
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #9143 on: January 28, 2020, 12:52:47 AM »
Want to open a new biz card that doesn't go on my Credit Report. Currently have two inks. Spend ~20k a month in miscellaneous categories. Any suggestions as to what to apply for?
there are 3 inks, and ink business unlimited earns 1.5 per dollar spent

Offline free123cc

  • Dansdeals Silver Elite
  • **
  • Join Date: Jul 2019
  • Posts: 70
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: nj
Re: Misc Credit Card Questions
« Reply #9144 on: January 28, 2020, 03:13:33 PM »
i have about 2000 amex spg bonvoy points, what can i do with such a small amount? also if im not spending on the amex spg bonvoy card is it worth the 95$ fee just for the free annual night? any help would be appreciated.
« Last Edit: January 28, 2020, 03:22:33 PM by free123cc »

Offline yeshivabucher

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2018
  • Posts: 1145
  • Total likes: 226
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: Monsey
  • Programs: Travel Agent, Marriott Gold, Hertz PC, National EE, Uber VIP, SPG Gold
Re: Misc Credit Card Questions
« Reply #9145 on: January 28, 2020, 03:29:46 PM »
i have about 2000 amex spg bonvoy points, what can i do with such a small amount? also if im not spending on the amex spg bonvoy card is it worth the 95$ fee just for the free annual night? any help would be appreciated.
yes you can sell for min for 125

Offline simplicity

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2019
  • Posts: 720
  • Total likes: 56
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #9146 on: January 28, 2020, 04:36:21 PM »
i have about 2000 amex spg bonvoy points, what can i do with such a small amount? also if im not spending on the amex spg bonvoy card is it worth the 95$ fee just for the free annual night? any help would be appreciated.
yes you can sell the free night, and therefore worth it for retention offer, as long as it pays for yearly fee!

Offline free123cc

  • Dansdeals Silver Elite
  • **
  • Join Date: Jul 2019
  • Posts: 70
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: nj
Re: Misc Credit Card Questions
« Reply #9147 on: January 28, 2020, 11:53:51 PM »
yes you can sell the free night, and therefore worth it for retention offer, as long as it pays for yearly fee!


 besides for the 95$ I am paying for the yearly fee and getting the free room, they give a retention offer sometimes as well?

Offline simplicity

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2019
  • Posts: 720
  • Total likes: 56
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #9148 on: January 29, 2020, 12:19:04 AM »

 besides for the 95$ I am paying for the yearly fee and getting the free room, they give a retention offer sometimes as well?
no, but every year you keep the card open, when the time comes and you want to close this card, the retention offer will probably be greater, being that its based on how old and much you spend on the card....   even still its a $25 money maker so why not... hatzlacha!

Offline free123cc

  • Dansdeals Silver Elite
  • **
  • Join Date: Jul 2019
  • Posts: 70
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: nj
Re: Misc Credit Card Questions
« Reply #9149 on: January 29, 2020, 12:53:35 AM »
also i have about 2000 amex spg bonvoy points, what can i do with such a small amount? not planning on earning more of those, not doing spending on that card

Offline S209

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2016
  • Posts: 5707
  • Total likes: 2043
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
    • Gowns By Shevy
  • Location: Lakewood, NJ
  • Programs: Marriott Gold, SPG Gold, Ritz Carlton Gold, *G, Hyatt Explorist, Hertz PC, National EE, Rock Royalty Wild Card, Wyndham Diamond, MLife Gold, Total Rewards Diamond, Hilton Diamond, Uber VIP, IHG Platinum Elite, DDF Prez Platinum Elite, AmEx Platinum
Re: Misc Credit Card Questions
« Reply #9150 on: January 29, 2020, 02:10:36 AM »
also i have about 2000 amex spg bonvoy points, what can i do with such a small amount? not planning on earning more of those, not doing spending on that card
Itís called Marriott points, and the answer to that is just about nothing
Gowns By Shevy
732-806-1136
info@gownsbyshevy.com

Offline free123cc

  • Dansdeals Silver Elite
  • **
  • Join Date: Jul 2019
  • Posts: 70
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: nj
Re: Misc Credit Card Questions
« Reply #9151 on: January 29, 2020, 04:33:19 PM »
I have a Barclaycard Arrival Plus World Elite Mastercard. received the bonus of 70,000 points and used it already. the yearly fee is coming up soon. however, I don't really use it anymore. I called them to try to downgrade to a different card and they checked my account and said that card can't be downgraded. (basically they only allow downgrading on a case by case basis)

does anyone have any options to avoid the annual fee? and if not, is it worth it to keep it open? thanks

Offline as2

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5403
  • Total likes: 687
  • DansDeals.com Hat Tips 24
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #9152 on: January 29, 2020, 04:42:31 PM »
I have a Barclaycard Arrival Plus World Elite Mastercard. received the bonus of 70,000 points and used it already. the yearly fee is coming up soon. however, I don't really use it anymore. I called them to try to downgrade to a different card and they checked my account and said that card can't be downgraded. (basically they only allow downgrading on a case by case basis)

does anyone have any options to avoid the annual fee? and if not, is it worth it to keep it open? thanks
Check out this DOC post, as well as this DDF post.
Memories last forever, make them while you can.

Offline free123cc

  • Dansdeals Silver Elite
  • **
  • Join Date: Jul 2019
  • Posts: 70
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: nj
Re: Misc Credit Card Questions
« Reply #9153 on: January 29, 2020, 09:25:23 PM »
Check out this DOC post, as well as this DDF post.


THANKS!!! :) :) :)

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8385
  • Total likes: 1035
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #9154 on: February 02, 2020, 03:05:33 PM »
Anyone know if it's possible to convert a Citi biz AA to a Costco biz card?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline RebTuvia

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jun 2019
  • Posts: 200
  • Total likes: 7
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: ברוקלין
Re: Misc Credit Card Questions
« Reply #9155 on: February 02, 2020, 10:04:36 PM »
I applied and got approved for the Capital One Spark Miles last week, its not showing on my credit report yet, I'm currently 3/24, how likely will I get approved for the 2 out of the 3 Chase Inks right now?

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 6844
  • Total likes: 416
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Misc Credit Card Questions
« Reply #9156 on: February 02, 2020, 11:43:58 PM »
I applied and got approved for the Capital One Spark Miles last week, its not showing on my credit report yet, I'm currently 3/24, how likely will I get approved for the 2 out of the 3 Chase Inks right now?
Ink, as business cards, don't add to the 5/24 count.  After the Spark is added, you're at 4/24.  You can keep getting business cards, and it won't bring you to 5/24.

Offline RebTuvia

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jun 2019
  • Posts: 200
  • Total likes: 7
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: ברוקלין
Re: Misc Credit Card Questions
« Reply #9157 on: February 03, 2020, 12:12:05 AM »
Ink, as business cards, don't add to the 5/24 count.  After the Spark is added, you're at 4/24.  You can keep getting business cards, and it won't bring you to 5/24.
Doesn't Chase have a limit on how many they approve per 30 days (besides 5/24)? 

Offline simplicity

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Feb 2019
  • Posts: 720
  • Total likes: 56
  • DansDeals.com Hat Tips 3
  • Gender: Male
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #9158 on: February 03, 2020, 10:43:44 PM »
how does it work with selling g.e. or tsa-pre the buyer takes my c.c. number and puts it in online?

Online Joel

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2018
  • Posts: 3838
  • Total likes: 577
  • DansDeals.com Hat Tips 47
    • View Profile
  • Programs: Hyatt Globalist, Hilton Diamond, Wyndham Diamond, Marriott Gold, IHG Platinum, National EE, Hertz PC
Re: Misc Credit Card Questions
« Reply #9159 on: February 03, 2020, 10:56:34 PM »
how does it work with selling g.e. or tsa-pre the buyer takes my c.c. number and puts it in online?
Yes