Author Topic: Misc Credit Card Questions  (Read 1865240 times)

Offline ludmila

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5147
  • Total likes: 271
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: IND
  • Programs: Hilton Diamond,Marriott Platinum,SPG Platinum.
Re: Misc Credit Card Questions
« Reply #8640 on: May 29, 2019, 10:30:09 PM »
Got this offer by email from Barclays on the Aviator card, did not understand how it works, different than Citi  roundup.

Turn your change into more AAdvantage® miles
With the new Flight CentsTM benefit on your AAdvantage® Aviator® Mastercard®, you can easily get a change of scenery with more AAdvantage® miles on your purchases. Flight CentsTM allows you to round up your purchases to the nearest dollar to get more AAdvantage® miles.
Here’s how it works:
    •    Determine the maximum amount you want to round up each statement period and set that as your threshold.
    •    You will get a ½ AAdvantage® mile for every 1 cent that is rounded up.
Total Miles
Morning coffee | Amount rounded up | Amount charged | Miles Acquired
WITHOUT FLIGHT CENTS[TM]
WITH FLIGHT CENTS[TM]
I was the Best,still the Best, and will always be the Best.
Pele Good,Maradona Better, George Best.

Offline as2

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5671
  • Total likes: 917
  • DansDeals.com Hat Tips 24
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #8641 on: May 29, 2019, 11:29:47 PM »
what do you mean by "2bis", do you mean 2 bussiness cards? what about personal cards?
I meant "2 is"
Memories last forever, make them while you can.

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8355
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Misc Credit Card Questions
« Reply #8642 on: May 30, 2019, 12:49:13 PM »
Is it possible to reinstate a Barclaycard that was closed for inactivity?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline chuckfinley

  • Dansdeals Silver Elite
  • **
  • Join Date: May 2017
  • Posts: 50
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #8643 on: May 30, 2019, 01:10:42 PM »
https://www.dansdeals.com/credit-cards/chase-freedom-unlimited-earn-3-points-per-dollar-20k-spending-first-year/#comment-1403890

Thanks for the link. The comment you pointed to doesnt say whether or not he already has a freedom in his wallet. I have a freedom unlimited and freedom card already. Is there no way to get the x3 points on a new unlimited card?

Can I downgrade my freedom unlimited card to another freedom ( meaning I have 2 freedoms on my account/wallet) and then apply for a new freedom unlimited?

Offline US

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2017
  • Posts: 1094
  • Total likes: 46
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Misc Credit Card Questions
« Reply #8644 on: May 30, 2019, 02:22:43 PM »
Now chase decides to send out an email about the name change...
And now an apology from CK. Lol.

Offline Mo2

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: May 2013
  • Posts: 638
  • Total likes: 77
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #8645 on: May 30, 2019, 09:31:30 PM »
Thanks for the link. The comment you pointed to doesnt say whether or not he already has a freedom in his wallet. I have a freedom unlimited and freedom card already. Is there no way to get the x3 points on a new unlimited card?

Can I downgrade my freedom unlimited card to another freedom ( meaning I have 2 freedoms on my account/wallet) and then apply for a new freedom unlimited?
You can have many freedoms via downgrading. @Dan says he has multiple. I have 2
Common sense is not a gift, it is a punishment.
Because you have to deal with everyone who doesn't have it.

Offline qwerty123

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Dec 2018
  • Posts: 347
  • Total likes: 26
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: United States
Re: Misc Credit Card Questions
« Reply #8646 on: May 30, 2019, 11:43:00 PM »
does the rules that amex has that can only open certain amount of cards in 90 days apply also to the business cards? i opened 3 personal cards in the past 90 days will i get accepted for business cards now o should wait?

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #8647 on: May 31, 2019, 12:24:35 AM »
If I have a Chase Hyatt card that has a balance but I close the account to get back AF (because there’s no downgrading to a no AF), will I still be able to transfer the CL to another card as it becomes avail as I pay it down even once the account is closed? Hope my Q makes sense 🙏
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #8648 on: May 31, 2019, 12:28:46 AM »
Make sure you have a way of keeping points alive. If it's a co-branded card, you're fine, if MR, make sure you have another MR card, or transfer out.
Thanks. Why don’t I need to worry if it’s cobranded? Doesn’t each company have it own expiration?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #8649 on: May 31, 2019, 04:15:27 AM »
Now chase decides to send out an email about the name change...
How come I didn’t get an email?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline TravelSER

  • Dansdeals Gold Elite
  • ***
  • Join Date: Mar 2016
  • Posts: 246
  • Total likes: 13
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Misc Credit Card Questions
« Reply #8650 on: May 31, 2019, 04:50:01 AM »
does the rules that amex has that can only open certain amount of cards in 90 days apply also to the business cards? i opened 3 personal cards in the past 90 days will i get accepted for business cards now o should wait?
Have to wait even for Biz.

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22077
  • Total likes: 7130
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Misc Credit Card Questions
« Reply #8651 on: May 31, 2019, 07:36:51 AM »
Thanks. Why don’t I need to worry if it’s cobranded? Doesn’t each company have it own expiration?
Because it goes into a mileage account. Expiration goes according to length of inactivity, not closing the card.

See chart here
« Last Edit: May 31, 2019, 07:40:07 AM by TimT »

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #8652 on: June 03, 2019, 04:59:21 PM »
Because it goes into a mileage account. Expiration goes according to length of inactivity, not closing the card.

See chart here

Got it. Thanks TimT!
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #8653 on: June 03, 2019, 05:00:46 PM »
How come I didn’t get an email?
If I have a Chase Hyatt card that has a balance but I close the account to get back AF (because there’s no downgrading to a no AF), will I still be able to transfer the CL to another card as it becomes avail as I pay it down even once the account is closed? Hope my Q makes sense 🙏

Bump please 🙏
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Misc Credit Card Questions
« Reply #8654 on: June 03, 2019, 05:01:56 PM »
Bump please
Emails are taking time, only just got my second.
And no.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #8655 on: June 03, 2019, 05:10:14 PM »
Emails are taking time, only just got my second.
And no.
Ty! Any ideas of what I can do so I don’t lose the $15k CL or have to pay $75 AF?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline Dovdovmoneytree

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2017
  • Posts: 499
  • Total likes: 22
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #8656 on: June 03, 2019, 06:15:32 PM »
Can the Amex Gold Delta be downgraded to a non-AF card (such as Blue Delta)?? Sorry if there's a better thread for this question, couldn't quickly find one! TIA!

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #8657 on: June 03, 2019, 07:48:25 PM »
Can the Amex Gold Delta be downgraded to a non-AF card (such as Blue Delta)?? Sorry if there's a better thread for this question, couldn't quickly find one! TIA!
Yes it can. I’ve done no problems.
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline ludmila

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5147
  • Total likes: 271
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: IND
  • Programs: Hilton Diamond,Marriott Platinum,SPG Platinum.
Re: Misc Credit Card Questions
« Reply #8658 on: June 03, 2019, 07:50:33 PM »
Can the Amex Gold Delta be downgraded to a non-AF card (such as Blue Delta)?? Sorry if there's a better thread for this question, couldn't quickly find one! TIA!
Yes, but it is kind of a useless card, might be better to close it and apply for a better card if you already have the max number of credit cards with Amex, if not, the downgrade is still a good idea.
I was the Best,still the Best, and will always be the Best.
Pele Good,Maradona Better, George Best.

Offline Dovdovmoneytree

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Aug 2017
  • Posts: 499
  • Total likes: 22
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Misc Credit Card Questions
« Reply #8659 on: June 03, 2019, 07:59:08 PM »
Yes, but it is kind of a useless card, might be better to close it and apply for a better card if you already have the max number of credit cards with Amex, if not, the downgrade is still a good idea.

I assume you're referring to the Blue as a worthless card?
I only have an SPG with Amex. I wanted to APPLY for the Gold Delta but not really sure I will want to keep it once the AF kicks in. Wanted to be sure it can be downgraded.