Author Topic: Misc Credit Card Questions  (Read 1866048 times)

Offline Yaalili

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Re: Misc Credit Card Questions
« Reply #8180 on: November 13, 2018, 04:37:37 PM »
I have a Chase Marriott card and the SPG Amex. Any point in keeping both since the merger??

Each card comes with anniversary night.

Offline Dovdovmoneytree

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Re: Misc Credit Card Questions
« Reply #8181 on: November 13, 2018, 04:44:21 PM »
Each card comes with anniversary night.
Yes, I know. Idk if they're worth the $95 to me unless..... Can they be combined for one stay?

Offline ludmila

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Re: Misc Credit Card Questions
« Reply #8182 on: November 13, 2018, 09:35:04 PM »
Yes, I know. Idk if they're worth the $95 to me unless..... Can they be combined for one stay?
Sure, but depends on the issue and expiry dates and availability.
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Offline ib3

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Re: Misc Credit Card Questions
« Reply #8183 on: November 13, 2018, 11:47:37 PM »
I had the Amex plat card in Jan and used the 200 annual travel credit. I then downgraded to green card. If I upgrade now back to plat will I get again the 200 credit in 2018?

Offline oldguy

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Re: Misc Credit Card Questions
« Reply #8184 on: November 13, 2018, 11:50:47 PM »
I had the Amex plat card in Jan and used the 200 annual travel credit. I then downgraded to green card. If I upgrade now back to plat will I get again the 200 credit in 2018?
No

Offline jose34

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Re: Misc Credit Card Questions
« Reply #8185 on: November 14, 2018, 03:06:04 PM »
Any credit cards that have Price Protection, Warranty Protection, Return Protection etc.. on Electric scooters or Segways?

Offline greatluck

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Re: Misc Credit Card Questions
« Reply #8186 on: November 15, 2018, 01:26:23 PM »
Can I upgrade my Chase Freedom Card to a Sapphire card and get the $300 Airline credit?

Offline oldguy

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Re: Misc Credit Card Questions
« Reply #8187 on: November 15, 2018, 01:26:53 PM »
Can I upgrade my Chase Freedom Card to a Sapphire card and get the $300 Airline credit?
Yes

Offline Yehudaa

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Re: Misc Credit Card Questions
« Reply #8188 on: November 15, 2018, 01:31:26 PM »
Forgot to use a referral code for a higher signup bonus on an amex. Any chance that they'll match the offer if I ask?

Offline oldguy

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Re: Misc Credit Card Questions
« Reply #8189 on: November 15, 2018, 01:34:11 PM »
Forgot to use a referral code for a higher signup bonus on an amex. Any chance that they'll match the offer if I ask?
If it's a mailer sent to you, it can work.

Offline smart man

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Re: Misc Credit Card Questions
« Reply #8190 on: November 16, 2018, 04:54:06 AM »
Have a Barclays card that shows a balance still due even though it was cancelled out by a refund this month. (So the credits this month are more than the balance last month).

Does that make sense that I actually have to make a payment or it just wasn't calculated?
Should I just make a minimum payment to be safe?

Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #8191 on: November 16, 2018, 09:50:33 AM »
Have a Barclays card that shows a balance still due even though it was cancelled out by a refund this month. (So the credits this month are more than the balance last month).

Does that make sense that I actually have to make a payment or it just wasn't calculated?
Should I just make a minimum payment to be safe?
I would.  If you don't, and it calculates a late fee, you'd likely be able to call and get it refunded.  But isn't this easier?
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Offline Frillt

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Re: Misc Credit Card Questions
« Reply #8192 on: November 18, 2018, 02:28:01 PM »
Hello all!

I have been lurking DD for probably about two years now, and would like to thank Dan and all who contribute to this community, I’ve learned so much! I first started browsing this site when I was in college looking to apply for my first credit card. I ended up attempting a 3BM with a Discover student card, and was approved for two of the same card. (Although, the true 3BM is supposed to be with different cards I believe lol). Regardless, it worked out for me and I have been using those two cards since.

I currently have about a 770  credit score and am looking to dive into a few cards that will get me mileage, rewards, cashback etc. I have been browsing the forums for quite some time to get a feel for what I should do, but I am truly lost and do not want to make any mistakes. Therefore I need advice!

The major thing I will use my cards for is Ebay. I spend about $10-20k on Ebay each year for my business. I’ve found great ways to cut costs by using cashback websites, Ebay bucks, and the occasional discounted gift card (when they are available).  But I have never really utilized a rewards credit card to get even more bang for my buck.

What card or cards do you recommend for my situation? Should I do a 3BM? I understand that some cards possibly give cashback for Ebay gift cards, but would a different card be more effective?

Thanks so much for your time! I can’t wait to learn more and contribute on the forum where I can!


Offline ckmk47

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Re: Misc Credit Card Questions
« Reply #8193 on: November 19, 2018, 11:12:21 AM »
Hello all!
What card or cards do you recommend for my situation? Should I do a 3BM? I understand that some cards possibly give cashback for Ebay gift cards, but would a different card be more effective?
Since ebay is not in any cc's special category, there's no obvious card to use.
a) Get an Ink and buy ebay GCs from office supply stores to et 5 ppd (points per dollar). (Staples has $100 ebay eGCs on line.) eBay limits the amount of GCs value each account can use per month.  But at $10-20 K/yr you may be able to use Gcs for most of your spending.  Dan just posted a chart on Chase cards. 
b) Use a card that has more than 1 ppd on 'everyday' purchases.  Like the Chase Freedom Unlimited, and others.
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Offline greatluck

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Re: Misc Credit Card Questions
« Reply #8194 on: November 19, 2018, 09:21:11 PM »

Offline myi

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Re: Misc Credit Card Questions
« Reply #8195 on: November 19, 2018, 10:12:06 PM »
Opening bank accounts is the same pull as opening a credit card?
 
 Or two different things? meaning if I opened 5 new account in the passed few months will it be a problem when applying for a new cc?
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Offline ChaimMoskowitz

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Re: Misc Credit Card Questions
« Reply #8196 on: November 19, 2018, 10:18:10 PM »
Opening bank accounts is the same pull as opening a credit card?
 
 Or two different things? meaning if I opened 5 new account in the passed few months will it be a problem when applying for a new cc?
Not all accounts require a hard pull. When a pull is necessary some will pull ChexSystems instead of the big three.
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Offline myi

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Re: Misc Credit Card Questions
« Reply #8197 on: November 20, 2018, 12:10:35 AM »
Not all accounts require a hard pull. When a pull is necessary some will pull ChexSystems instead of the big three.
So it sounds like one has nothing to do with the other?
 Meaning while I open multiple bank accounts it doesn't have a big impact on my cc applications?
 Obviously I'm not going to overdue it with either.
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Offline David R

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Re: Misc Credit Card Questions
« Reply #8198 on: November 20, 2018, 01:12:53 AM »
So it sounds like one has nothing to do with the other?
 Meaning while I open multiple bank accounts it doesn't have a big impact on my cc applications?
 Obviously I'm not going to overdue it with either.
If you decline overdraft protection, they should not need to check your credit. Most banks pull your Chex report.

Offline myi

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Re: Misc Credit Card Questions
« Reply #8199 on: November 20, 2018, 01:21:00 AM »
If you decline overdraft protection, they should not need to check your credit. Most banks pull your Chex report.
Interesting point there. Will make sure I decline that offer, at first I always allowed it in case I needed to overspend, but then with my DC being stolen didn't want more then what's in the account to be taken so declined that offer.
 Thanks.
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