Author Topic: Misc Credit Card Questions  (Read 852996 times)

Offline Shaya E

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Re: Misc Credit Card Questions
« Reply #9795 on: January 03, 2021, 11:27:17 AM »
Not quite sure it's a hard no like that (though I never tried more than 1 per biz or ssn).
@Dan writes

That's for multiple businesses.

Offline Cls2020

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Re: Misc Credit Card Questions
« Reply #9796 on: January 03, 2021, 01:04:09 PM »
Hey looking for some advice as I've been out of the game for the past couple of years..

I currently have a Bonvoy personal & business card, and a Citi thank you card. I'm looking to open up as many new cards as possible now to take advantage of whatever offers are out there now.

What's most valuable now, and what cards should I open first?
TIA!
I would say if you are eligible to receive the bonus then you should apply for the Amex Consumer Plat 100k offer with 10x points on grocery and gas spending.

Offline justmeha

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Re: Misc Credit Card Questions
« Reply #9797 on: January 03, 2021, 02:23:52 PM »
Wondering if amex will allow you to set up a virtual account number before u get the card. Call and ask.
they wont. but they offer VC very often if there is a instant approval

Offline yomo

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Re: Misc Credit Card Questions
« Reply #9798 on: January 03, 2021, 04:17:43 PM »
Do you have specific goals in mind? Do you have a stash of TY points already?
Have well over a million Bonvoy but only about 40k TY.
Only goal is to get best bang for buck. Maximize signup bonuses, benefits and rewards. Usually sell but sometimes use miles for own travel. I'd like to signup for as many offers as possible but want to do it wisely and not sure how to navigate which cards to signup for first or las etc.. based on value and more importantly 5/24 type rules..

Offline ShimshonK

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Re: Misc Credit Card Questions
« Reply #9799 on: January 03, 2021, 04:21:34 PM »
That's for multiple businesses.
Not sure you're right about that.
Maybe @Dan can weigh in.

Offline yomo

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Re: Misc Credit Card Questions
« Reply #9800 on: January 03, 2021, 04:21:44 PM »
The Chase Ink business cards have some of the best sign up bonuses in the game now. Currently have 6 of them :)
Which ones? 75K offers w/o fee?
I actually got shut down by chase about 8 years ago so not sure id be eligible even with the 8 LLC's I actually have..
Wife has one Ink with 325K UR points but annual fee came up and thinking of closing it now.
Which ones do you recommend and more importantly - isn't there a 5/24 rule on these? 

Offline yomo

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Re: Misc Credit Card Questions
« Reply #9801 on: January 03, 2021, 04:24:17 PM »
I would say if you are eligible to receive the bonus then you should apply for the Amex Consumer Plat 100k offer with 10x points on grocery and gas spending.
I had that years ago...isn't the bonus only once per lifetime or is there an offer out there w/o language where I can get bonus even if had card in past?

Offline ShimshonK

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Re: Misc Credit Card Questions
« Reply #9802 on: January 03, 2021, 04:25:16 PM »
Which ones? 75K offers w/o fee?
I actually got shut down by chase about 8 years ago so not sure id be eligible even with the 8 LLC's I actually have..
Wife has one Ink with 325K UR points but annual fee came up and thinking of closing it now.
Which ones do you recommend and more importantly - isn't there a 5/24 rule on these?
All 3. Ink Cash and Ink Unlimited are 75k points each with no annual fee. Ink Preferred 100k points with a $95 annual fee (and $15k spend, rather than $7.5k).
Think you need to be under 5/24 to get approved, but they will not add to your 5/24 count.

Offline yomo

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Re: Misc Credit Card Questions
« Reply #9803 on: January 03, 2021, 04:32:57 PM »
All 3. Ink Cash and Ink Unlimited are 75k points each with no annual fee. Ink Preferred 100k points with a $95 annual fee (and $15k spend, rather than $7.5k).
Think you need to be under 5/24 to get approved, but they will not add to your 5/24 count.
So I should probably sign up for them first in my card signup marathon?
How many can I go for at once?

Offline ShimshonK

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Re: Misc Credit Card Questions
« Reply #9804 on: January 03, 2021, 06:04:55 PM »
So I should probably sign up for them first in my card signup marathon?
How many can I go for at once?
Makes sense. Maybe just read through those posts on DDMS to ensure you have all the details down pat.
I never tried applying more than one at a time, so you'll have to ask others regarding 2/3bm.

Offline shmooz

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Re: Misc Credit Card Questions
« Reply #9805 on: January 03, 2021, 06:08:23 PM »
That's for multiple businesses.

So if I have ink cash and unlimited, and want to apply for one of those, best to first change one to preffered and then apply?

Will I be charged the $95 af right away?

Offline ShimshonK

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Re: Misc Credit Card Questions
« Reply #9806 on: January 03, 2021, 06:14:43 PM »
So if I have ink cash and unlimited, and want to apply for one of those, best to first change one to preffered and then apply?

Will I be charged the $95 af right away?
Ya, AF seems to charge within a month (I've noticed it usually on the first of the month).
So, if you're going to be paying the annual fee, you're better off doing the Ink Preferred bonus, if you're able to do the $15k spend.

Offline yomo

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Re: Misc Credit Card Questions
« Reply #9807 on: January 03, 2021, 08:05:48 PM »
Makes sense. Maybe just read through those posts on DDMS to ensure you have all the details down pat.
I never tried applying more than one at a time, so you'll have to ask others regarding 2/3bm.
Thanks. Can anyone advise on applying for multiple ink cards at a time?

Offline yomo

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Re: Misc Credit Card Questions
« Reply #9808 on: January 04, 2021, 08:34:15 PM »
Thanks. Can anyone advise on applying for multiple ink cards at a time?
Anyone?

Offline justmeha

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Re: Misc Credit Card Questions
« Reply #9809 on: January 04, 2021, 08:55:45 PM »
So if I have ink cash and unlimited, and want to apply for one of those, best to first change one to preffered and then apply?
no need to switch to a preferred you can have two of the same for sure (i.e. two unlimiteds or two cashs)if you are product changing and not applying for a new card.