Author Topic: Misc Credit Card Questions  (Read 877319 times)

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.

Offline shmooz

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Re: Misc Credit Card Questions
« Reply #9810 on: January 04, 2021, 09:48:29 PM »
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.

that makes sense thanks

Offline coffeebean

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Re: Misc Credit Card Questions
« Reply #9811 on: January 04, 2021, 09:57:01 PM »
What does it mean if "Check Spending Power" limit is more than triple the actual spending limit on the Amex Platinum?
I try to sound as intelligent as possible.

Offline yeshivabucher

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Re: Misc Credit Card Questions
« Reply #9812 on: January 04, 2021, 09:57:26 PM »
What does it mean if "Check Spending Power" limit is more than triple the actual spending limit on the Amex Platinum?
there is no spending limit on Amex Platinum

Offline yeshivabucher

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Re: Misc Credit Card Questions
« Reply #9813 on: January 04, 2021, 09:57:45 PM »
there is no spending limit on Amex Platinum
it means that they will let the purchase go through regardless of spending limit

Offline coffeebean

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Re: Misc Credit Card Questions
« Reply #9814 on: January 04, 2021, 09:59:28 PM »
there is no spending limit on Amex Platinum
There is on mine
I try to sound as intelligent as possible.

Offline JACKBLUE

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Re: Misc Credit Card Questions
« Reply #9815 on: January 04, 2021, 10:51:42 PM »
What does it mean if "Check Spending Power" limit is more than triple the actual spending limit on the Amex Platinum?
Charge cards spending limits is a joke. Itís not a real limit, you can go way over the limit. Then again you might trigger a FR.

Offline yomo

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Re: Misc Credit Card Questions
« Reply #9816 on: January 05, 2021, 02:18:59 AM »
Is Chase the only bank with the 5/24 rule?
Does Citi or Amex have that rule?

Offline m65

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Re: Misc Credit Card Questions
« Reply #9817 on: January 05, 2021, 02:29:42 AM »
Is Chase the only bank with the 5/24 rule?
Does Citi or Amex have that rule?
barclays has 6/24

Offline yomo

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Re: Misc Credit Card Questions
« Reply #9818 on: January 05, 2021, 02:37:35 AM »
barclays has 6/24
Is that for barclays personal and business?

What about Citi and Amex?

Offline yomo

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Re: Misc Credit Card Questions
« Reply #9819 on: January 05, 2021, 04:28:08 PM »
Is that for barclays personal and business?

What about Citi and Amex?
Does anyone know the answer?