Author Topic: Misc Credit Card Questions  (Read 685085 times)

Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8490 on: April 30, 2019, 08:12:27 PM »
Have similar question.
What's should be my next card?
I currently have Amex Biz plat, Biz blue, spg, delta. Chase Freedom, Fr Unlimited, Sapphire Pr, Biz Unlimited ,Biz Cash, BoA Cash.
I only keep cards with high AF past 1 year if they give me yearly credits and value.
DoC has a post about best offers but not sure that's best for me.
(https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/)

I'll probably exchange my CSP with the Chase Biz preferred once the second year AF on my CSP kicks in.

Would be great if any Mevinim chime in. TIA
Common sense is not common enough

Offline Joel2

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Re: Misc Credit Card Questions
« Reply #8491 on: April 30, 2019, 09:28:06 PM »
Any advice on a good card to apply for? Looking for good signup bonus. I think gonna focus on non Chase cards.

Have CSP, UE, Chase Marriott, Ink Cash and SPG. I plan on downgrading the Marriott to a Freedom or Freedom Unlimited, need to wait another few days to do that as it is just shy of 12 months since opening. TIA!
You can't downgrade the Marriott to freedom. If yes it's a new DP;)

Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8492 on: April 30, 2019, 09:38:18 PM »
Is there somewhere else on DDMS or DDF that discusses best offers and cards to have? (not just Chase Trifecta)
Common sense is not common enough

Offline Dovdovmoneytree

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Re: Misc Credit Card Questions
« Reply #8493 on: April 30, 2019, 09:54:23 PM »
You can't downgrade the Marriott to freedom. If yes it's a new DP;)
I'm sorry for the ignorance but what's DP??

Why can't it be downgraded to a Freedom or Freedom Unlimited? What CAN it be downgraded to? I have no use for it since the SPG merger. TIA

Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #8494 on: April 30, 2019, 10:02:45 PM »
I'm sorry for the ignorance but what's DP??

Why can't it be downgraded to a Freedom or Freedom Unlimited? What CAN it be downgraded to? I have no use for it since the SPG merger. TIA
DP stands for data point.
Marriott cards can only be changed to other Marriott cards.
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Offline Joel2

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Re: Misc Credit Card Questions
« Reply #8495 on: April 30, 2019, 10:03:08 PM »
I'm sorry for the ignorance but what's DP??

Why can't it be downgraded to a Freedom or Freedom Unlimited? What CAN it be downgraded to? I have no use for it since the SPG merger. TIA
DP = Data point

All of chase cards can only go up or down in its own category. Meaning freedom can only be upgraded to a UR (ultimate rewards) earning card. While Marriott will only stay in the Marriott category cards.


Offline Dovdovmoneytree

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Re: Misc Credit Card Questions
« Reply #8496 on: April 30, 2019, 10:07:59 PM »
DP stands for data point.
Marriott cards can only be changed to other Marriott cards.

Thanks

Offline Dovdovmoneytree

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Re: Misc Credit Card Questions
« Reply #8497 on: April 30, 2019, 10:09:06 PM »
DP = Data point

All of chase cards can only go up or down in its own category. Meaning freedom can only be upgraded to a UR (ultimate rewards) earning card. While Marriott will only stay in the Marriott category cards.

Learn new things each day  ;)

Hopefully a no AF Marriott card exists with Chase?

Offline Joel2

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Re: Misc Credit Card Questions
« Reply #8498 on: April 30, 2019, 10:13:49 PM »
Learn new things each day  ;)

Hopefully a no AF Marriott card exists with Chase?
Chase will be releasing a no annual fee Marriott Bonvoy card this summer.

https://www.dansdeals.com/credit-cards/roundup-benefits-upcoming-changes-6-amex-chase-marriott-starwood-cards/


Offline Dovdovmoneytree

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Re: Misc Credit Card Questions
« Reply #8499 on: April 30, 2019, 11:12:09 PM »
Chase will be releasing a no annual fee Marriott Bonvoy card this summer.

https://www.dansdeals.com/credit-cards/roundup-benefits-upcoming-changes-6-amex-chase-marriott-starwood-cards/

I see no mention in that link of a no annual fee Bonvoy card being released.

Offline Joel2

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Re: Misc Credit Card Questions
« Reply #8500 on: April 30, 2019, 11:14:37 PM »
I see no mention in that link of a no annual fee Bonvoy card being released.
Right at the end

Offline Dovdovmoneytree

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Re: Misc Credit Card Questions
« Reply #8501 on: April 30, 2019, 11:32:41 PM »
DP = Data point

All of chase cards can only go up or down in its own category. Meaning freedom can only be upgraded to a UR (ultimate rewards) earning card. While Marriott will only stay in the Marriott category cards.

I guess you have nothing to add regarding which card to go for next? I was thinking maybe Cap 1 Venture or Barclaycard Arrival Plus World Elite Mastercard? Between my wife and I, I can complete the Chase Quadfecta easily. I don't really want all my eggs in one basket (Chase) either!

Offline Dovdovmoneytree

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Re: Misc Credit Card Questions
« Reply #8502 on: April 30, 2019, 11:37:27 PM »
Right at the end

Thank you! Hard to spot that one line, seemed part of above part... I would keep the card if I can counter the AF. I can't rely on using the anniversary night every year and don't need both Marriott and SPG, they're exact same cards. But maybe I can sell the aniv night??? Sorry for bombarding you with questions, you're the only one awake tonight :-)

Offline Joel2

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Re: Misc Credit Card Questions
« Reply #8503 on: April 30, 2019, 11:41:58 PM »
I guess you have nothing to add regarding which card to go for next? I was thinking maybe Cap 1 Venture or Barclaycard Arrival Plus World Elite Mastercard? Between my wife and I, I can complete the Chase Quadfecta easily. I don't really want all my eggs in one basket (Chase) either!
Start with chase because of 5/24 (5 cards in the past 24 monts max rule )  then barclays arrival + has a 6/24 rule. Afterward the capital one venture. Maybe citi afterwards. It all depends what redemption you have in mind. If you want a variety IMO (in my opinion) the above order is great + an amex gold in the mix instead of capital one.

Offline Joel2

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Re: Misc Credit Card Questions
« Reply #8504 on: April 30, 2019, 11:44:43 PM »
Thank you! Hard to spot that one line, seemed part of above part... I would keep the card if I can counter the AF. I can't rely on using the anniversary night every year and don't need both Marriott and SPG, they're exact same cards. But maybe I can sell the aniv night??? Sorry for bombarding you with questions, you're the only one awake tonight :-)
Np,
I'm only available at night.
Dont we all work by day earning the best points.. CASH