Author Topic: What's In Your Wallet? (Read 78721 times)

Dan · « **Reply #140 on:** November 09, 2012, 04:10:17 PM »

Went 4-4 with Barclay, so...

Current lineup: 42 Primary active credit cards:

AMEX (9)
AMEX Consumer (6):
Platinum
Premier Rewards Gold #1
Premier Rewards Gold #2
Starwood #1
Starwood #2
Delta

AMEX Business (3):
Starwood #1
Starwood #2
Delta Gold

Chase (13)
Chase Consumer (8 ):
Hyatt
Freedom Exclusives Visa
Sapphire Preferred Visa
Sapphire Preferred Mastercard
United Explorer Mastercard
United Awards Visa
United Club Mastercard
Southwest Premier Visa

Chase Business (5):
Ink Bold Exclusives Mastercard
Ink Plus Mastercard
Ink Classic Mastercard
Ink Cash Mastercard
United Business Visa

Citi (7):
Citi Consumer (6):
Hilton
AA Visa #1
AA Visa #2
AA MC
AA AMEX
Diners Club

Citi Business (1):
AA Visa

Barclay (4):
Barclay Consumer (3)
USAirways #1
USAirways #2
NFL

Barclay Business (1)
USAirways

Discover (1):
Discover More 5%

GAP Inc (2)
Banana Republic Lifetime Luxe
Gap

BOFA (1):
Ex-Schwab 2%

USBank Consumer (1):
Flexperks

USBank Business (1):
Flexperks

Dan · « **Reply #141 on:** November 09, 2012, 04:12:26 PM »

Quote from: AsherO on November 09, 2012, 11:55:40 AM

Just yours, not Mrs. Dan (or Rafi )?

Are you getting retention bonuses? Otherwise, how do you justify the annual fee?

Oldest card?

Just one BofA (no HA, VS, etc)?
Schwab is BofA, not FIA? What are you keeping it for, hedging your bets for when the mileage game ends? (kidding)

Tell me more...

-These are just mine.
-Retention bonuses, leverage. I don't do annual fees for nothing.
-Probably Gap
-Just the one for now. HA/VS/HH doesn't really interest me right now.
-BOFA gets free museum admission first sunday each month.
-NW cards turned into Flexperks, downgraded to no fee and now they just rot in the drawer.

Yehoshua · « **Reply #142 on:** November 09, 2012, 05:12:39 PM »

Hmm... I had a USBank Flexperks card for many years. Last April (about 7 months ago) they sent me a letter saying there would be a fee for the card. I asked about a no-fee option and they said there was none. I called numerous times for the same response. Are you sure they are still active? If so, why was it different for me?

AJK · « **Reply #143 on:** November 10, 2012, 06:26:27 PM »

Quote from: Dan on November 09, 2012, 04:10:17 PM

Went 4-4 with Barclay, so...

Perhaps a bit OT, but are you on a churning schedule? If so, what is it?

Also, only a Barclay round???

Dan · « **Reply #144 on:** November 10, 2012, 06:53:23 PM »

Quote from: Yehoshua on November 09, 2012, 05:12:39 PM

Hmm... I had a USBank Flexperks card for many years. Last April (about 7 months ago) they sent me a letter saying there would be a fee for the card. I asked about a no-fee option and they said there was none. I called numerous times for the same response. Are you sure they are still active? If so, why was it different for me?

PUTPAC

Quote from: AJK on November 10, 2012, 06:26:27 PM

Perhaps a bit OT, but are you on a churning schedule? If so, what is it?

Also, only a Barclay round???

Don't have a set sched.

Also went 3-3 Chase business.

rots5 · « **Reply #145 on:** November 10, 2012, 07:18:23 PM »

Dan, sorry to sound dumb - do you have a written synopsis of the advt of a barclys card?

Dan · « **Reply #146 on:** November 10, 2012, 07:29:53 PM »

Quote from: rots5 on November 10, 2012, 07:18:23 PM

Dan, sorry to sound dumb - do you have a written synopsis of the advt of a barclys card?

Nothing besides the signup bonuses.

MEIR613 · « **Reply #147 on:** November 10, 2012, 07:33:44 PM »

Dan - do you have a link for us airways biz?

rots5 · « **Reply #148 on:** November 10, 2012, 07:45:08 PM »

Quote from: Dan on November 10, 2012, 07:29:53 PM

Nothing besides the signup bonuses.

Thanks. Any good ones to write home about? O got the nfl one but wasnt worth it.

JEWDA · « **Reply #149 on:** November 10, 2012, 08:38:49 PM »

Quote from: Dan on November 09, 2012, 04:10:17 PM

Went 4-4 with Barclay, so...

Current lineup: 42 Primary active credit cards:

AMEX (9)
AMEX Consumer (6):
Platinum
Premier Rewards Gold #1
Premier Rewards Gold #2
Starwood #1
Starwood #2
Delta

AMEX Business (3):
Starwood #1
Starwood #2
Delta Gold

Chase (13)
Chase Consumer (8 ):
Hyatt
Freedom Exclusives Visa
Sapphire Preferred Visa
Sapphire Preferred Mastercard
United Explorer Mastercard
United Awards Visa
United Club Mastercard
Southwest Premier Visa

Chase Business (5):
Ink Bold Exclusives Mastercard
Ink Plus Mastercard
Ink Classic Mastercard
Ink Cash Mastercard
United Business Visa

Citi (7):
Citi Consumer (6):
Hilton
AA Visa #1
AA Visa #2
AA MC
AA AMEX
Diners Club

Citi Business (1):
AA Visa

Barclay (4):
Barclay Consumer (3)
USAirways #1
USAirways #2
NFL

Barclay Business (1)
USAirways

Discover (1):
Discover More 5%

GAP Inc (2)
Banana Republic Lifetime Luxe
Gap

BOFA (1):
Ex-Schwab 2%

USBank Consumer (1):
Flexperks

USBank Business (1):
Flexperks

I guarantee you these are not all in your wallet, please post the ones in your wallet.

rots5 · « **Reply #150 on:** November 10, 2012, 08:40:30 PM »

Quote from: JEWDA on November 10, 2012, 08:38:49 PM

I guarantee you these are not all in your wallet, please post the ones in your wallet.

dan prob meant his suitcase or s/t of the sort for all those cards

Yehoshua · « **Reply #151 on:** November 10, 2012, 09:35:51 PM »

Quote from: Dan on November 10, 2012, 06:53:23 PM

PUTPAC

Turns out that even though my card said flexperks on it, it was also a cash back card which did not have a free option. Darn.

AsherO · « **Reply #152 on:** November 11, 2012, 02:32:30 AM »

Quote from: Dan on November 09, 2012, 04:12:26 PM

-These are just mine.
-Retention bonuses, leverage. I don't do annual fees for nothing.
-Probably Gap
-Just the one for now. HA/VS/HH doesn't really interest me right now.
-BOFA gets free museum admission first sunday each month.
-NW cards turned into Flexperks, downgraded to no fee and now they just rot in the drawer.

Thanks for the thorough answers.

chff · « **Reply #153 on:** November 11, 2012, 03:32:31 AM »

Can't wait to see http://www.walla.by/

Dan · « **Reply #154 on:** November 11, 2012, 03:37:47 AM »

Quote from: chff on November 11, 2012, 03:32:31 AM

Can't wait to see http://www.walla.by/

Meh. I doubt they'll be able to implement it well enough.

AsherO · « **Reply #155 on:** November 11, 2012, 03:38:42 AM »

Quote from: chff on November 11, 2012, 03:32:31 AM

Can't wait to see http://www.walla.by/

There's no way they've figured this out, they're giving you a debit card of theirs:
1. How are they going to cover the >2-3% merchant fees?
2. How are they going to push the spend to your CCs with the specific merchant categories you're hoping for. It'll either be like the Geode, which is already available, or it'll never launch with the features they're promising.

Quote from: Dan on November 11, 2012, 03:37:47 AM

Meh. I doubt they'll be able to implement it well enough.

I was just writing that more verbosely.

BAHayman · « **Reply #156 on:** November 11, 2012, 09:36:29 AM »

Quote from: Dan on November 11, 2012, 03:37:47 AM

Meh. I doubt they'll be able to implement it well enough.

Quote from: AsherO on November 11, 2012, 03:38:42 AM

There's no way they've figured this out, they're giving you a debit card of theirs:
1. How are they going to cover the >2-3% merchant fees?
2. How are they going to push the spend to your CCs with the specific merchant categories you're hoping for. It'll either be like the Geode, which is already available, or it'll never launch with the features they're promising.

I was just writing that more verbosely.

Yup, same with the new rumored Google Wallet card. It'll let you spend on any card you have set up, but you won't get merchant specific rewards. I although it will allow you to use an Amex where your not able to...

meshugener · « **Reply #157 on:** November 11, 2012, 09:47:43 AM »

What's the United Award Visa Dan and a few others have?

AsherO · « **Reply #158 on:** November 11, 2012, 09:53:26 AM »

Quote from: BAHayman on November 11, 2012, 09:36:29 AM

Yup, same with the new rumored Google Wallet card. It'll let you spend on any card you have set up, but you won't get merchant specific rewards. I although it will allow you to use an Amex where your not able to...

I don't see how any of these expect to cover the merchant fees?

BAHayman · « **Reply #159 on:** November 11, 2012, 11:02:45 AM »

Quote from: AsherO on November 11, 2012, 09:53:26 AM

I don't see how any of these expect to cover the merchant fees?

Well Geode has no merchant fees as the card you are swiping is your actual card. Not sure about Wallaby. But I would say Google would cover the fee the same way they offer the rest of its products for free.