Author Topic: How Many Credit Cards Do You Have?  (Read 983970 times)

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Offline steve dave

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Re: How Many Credit Cards Do You Have?
« Reply #10300 on: April 03, 2018, 04:03:21 AM »
You can only have one of those two at a time now. New chase rule.


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So if I have a CSP currently, cancel now, then sign up for CSR in June after my 24 months has passed since my CSP signup?

You can only have one sapphire product at a time now. A lot of people have both but they won’t let you get another if you already have one. So just move the points, cancel, sign up.


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Offline Trim

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Re: How Many Credit Cards Do You Have?
« Reply #10301 on: April 03, 2018, 09:25:49 AM »
You can only have one of those two at a time now. New chase rule.


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So if I have a CSP currently, cancel now, then sign up for CSR in June after my 24 months has passed since my CSP signup?

I believe it’s 24 months from when you got the CSP bonus.  That’s exactly what I’m in the course of doing now.

ahh, thanks.  I would have effed that up.  I'll get my CSR cancelled after moving my URs

I quit using my CSP last month so all the points can settle out and be moved before I cancel when the annual fee's coming in May.  Expect to be able to get a CSR in August or September.

Offline Trim

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Re: How Many Credit Cards Do You Have?
« Reply #10302 on: April 03, 2018, 09:28:33 AM »
Don't forget 5x UR pts w/ Freedom at grocery stores/ chase pay and paypal this quarter.

That chase pay option is total trash compared to the apple/google/android/samsung pay options from last quarter.  I can't even get logged in to the chase pay app, and neither the non-humans on the phone or the human in the bank branch could get it to work.  Even if I could log in, almost nowhere has a thing that accepts it.  I've got to get a new soundbase and I think I can use chase pay when checking out online from walmart, so that'll be something.

Offline nicname

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Re: How Many Credit Cards Do You Have?
« Reply #10303 on: April 03, 2018, 12:51:33 PM »
Don't forget 5x UR pts w/ Freedom at grocery stores/ chase pay and paypal this quarter.

That chase pay option is total trash compared to the apple/google/android/samsung pay options from last quarter.  I can't even get logged in to the chase pay app, and neither the non-humans on the phone or the human in the bank branch could get it to work.  Even if I could log in, almost nowhere has a thing that accepts it.  I've got to get a new soundbase and I think I can use chase pay when checking out online from walmart, so that'll be something.

Yeah, I didn't take full advantage of the Apple Pay one, and I don't think I bought enough fuel to max it out. Should be no problem spending 1.5k on Groceries over 4 months.
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Offline Trim

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Re: How Many Credit Cards Do You Have?
« Reply #10304 on: April 03, 2018, 03:35:52 PM »
a few months ago I would've said that the 80k ihg sign up was actually pretty good if you planned it all correctly. because you get one free night a year at any ihg which is nice and often overlooked.

I just used two of those to stay at the times square intercon when rooms were going for $400/night.

:frown:

http://onemileatatime.boardingarea.com/2018/04/02/ihg-anniversary-night-devaluation/

Offline Dr Rick Daris

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Re: How Many Credit Cards Do You Have?
« Reply #10305 on: April 03, 2018, 03:57:08 PM »
a few months ago I would've said that the 80k ihg sign up was actually pretty good if you planned it all correctly. because you get one free night a year at any ihg which is nice and often overlooked.

I just used two of those to stay at the times square intercon when rooms were going for $400/night.

:frown:

http://onemileatatime.boardingarea.com/2018/04/02/ihg-anniversary-night-devaluation/

yeah this is a pretty big devaluation. i'm going to call soon and cancel.

Offline Trim

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Re: How Many Credit Cards Do You Have?
« Reply #10306 on: April 03, 2018, 04:06:20 PM »
Lot of expensive hotels I've used it at before or would use it at soon are eliminated now.  I guess I could allocate it for my FattyFest hotel each year.

http://onemileatatime.boardingarea.com/2018/04/02/ihg-free-night-certificate-excluded-hotels/

Offline nicname

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Re: How Many Credit Cards Do You Have?
« Reply #10307 on: April 03, 2018, 10:13:23 PM »
a few months ago I would've said that the 80k ihg sign up was actually pretty good if you planned it all correctly. because you get one free night a year at any ihg which is nice and often overlooked.

I just used two of those to stay at the times square intercon when rooms were going for $400/night.

:frown:

http://onemileatatime.boardingarea.com/2018/04/02/ihg-anniversary-night-devaluation/

yeah this is a pretty big devaluation. i'm going to call soon and cancel.

Bummer. Was looking forward to staying somewhere nice for free.
If there was a gif of nicname thwarting the attempted-flag-taker and then gesturing him to suck it, followed by motioning for all of Hilton Shelter to boo him louder, it'd be better than that auburn gif.

Offline Trim

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Re: How Many Credit Cards Do You Have?
« Reply #10308 on: April 04, 2018, 10:01:21 AM »
a few months ago I would've said that the 80k ihg sign up was actually pretty good if you planned it all correctly. because you get one free night a year at any ihg which is nice and often overlooked.

I just used two of those to stay at the times square intercon when rooms were going for $400/night.

:frown:

http://onemileatatime.boardingarea.com/2018/04/02/ihg-anniversary-night-devaluation/

yeah this is a pretty big devaluation. i'm going to call soon and cancel.

Bummer. Was looking forward to staying somewhere nice for free.

If you're already sitting on a free night, or would be getting it this month, you should still be able to use that anywhere.  It's the free nights issued starting this upcoming May that are shitty.

I still have an old one and was thinking of using it at that same spot at Portland some time when I can drive the dog there and find nature-y things to do, but that hotels on the too-good list for future free nights.

Offline sys

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Re: How Many Credit Cards Do You Have?
« Reply #10309 on: April 04, 2018, 11:35:16 AM »
i mean it sucks and all, but the card throws an 80k bonus.  if it's not knocking you off your 5/24 rotation, it's still worth it.
"experienced commanders will simply be smeared and will actually go to the meat."

Offline Trim

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Re: How Many Credit Cards Do You Have?
« Reply #10310 on: April 04, 2018, 11:45:52 AM »
I'll likely keep mine because the fee is still so low and I can always use that free night in Kansas at least and the card is the one I have that gives extra points for grocery shopping, but both the devalued free night and the devalued 80K points don't help much with the type of IHG properties I commonly would stay at.

Offline Mikeyis4dcats

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Re: How Many Credit Cards Do You Have?
« Reply #10311 on: April 05, 2018, 03:55:13 PM »
Southwest limiting you to one personal card at a time/ one signup bonus every 24 months.      That's gonna kill about half their companion passes if not more.

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Re: How Many Credit Cards Do You Have?
« Reply #10312 on: April 05, 2018, 04:37:24 PM »
can you get a biz card and link accounts to get the companion pass?

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Re: How Many Credit Cards Do You Have?
« Reply #10313 on: April 05, 2018, 04:51:47 PM »
can you get a biz card and link accounts to get the companion pass?

yes you can still get a personal and a biz if you meet the other criteria (no other open SW cards, no bonus in the last 24 months, 5/24)

Offline steve dave

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Re: How Many Credit Cards Do You Have?
« Reply #10314 on: April 05, 2018, 06:17:22 PM »
Southwest limiting you to one personal card at a time/ one signup bonus every 24 months.      That's gonna kill about half their companion passes if not more.

Already sitting on two compy passes through 2019 so :gocho:


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Offline CrushNasty

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Re: How Many Credit Cards Do You Have?
« Reply #10315 on: April 05, 2018, 07:40:39 PM »
So I have to cancel my CSP (move points to Freedom card first, obvs.), then sit how long before applying for CSR to get the bonus?   If it's a while, I may just get the somewhat equivalent AmEx card.

Sucks about the Southwest card.  Was hoping to do Companion again soon. 

Sigh.

:( remember when churning was fun? :(
« Last Edit: April 06, 2018, 02:23:27 PM by CrushNasty »

Offline sys

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Re: How Many Credit Cards Do You Have?
« Reply #10316 on: April 05, 2018, 07:50:14 PM »
24 months from when you got your csp bonus.  imo, you should get an ink while you wait to be csp/csr eligible again, if you are ink eligible.


churning is still fun, man.
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Offline meow meow

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Re: How Many Credit Cards Do You Have?
« Reply #10317 on: April 06, 2018, 08:46:21 AM »
but really, you should be rotating the CSP and CSR every other year right?

Year 1 : CSR
Year 2 : Cancel CSR before annual fee (move points to freedom first) open CSP
Year 3 : Canel CSP before annual fee (move points to freedom first) open CSR

etc

?

Offline steve dave

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Re: How Many Credit Cards Do You Have?
« Reply #10318 on: April 06, 2018, 08:48:47 AM »
but really, you should be rotating the CSP and CSR every other year right?

Year 1 : CSR
Year 2 : Cancel CSR before annual fee (move points to freedom first) open CSP
Year 3 : Canel CSP before annual fee (move points to freedom first) open CSR

etc

?

yeah, and throw some inks in there as well

Offline sys

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Re: How Many Credit Cards Do You Have?
« Reply #10319 on: April 06, 2018, 11:12:18 AM »
except now you have to wait between the csp/csr.  and it doesn't really matter if you rotate.  you can stick with whichever best suits you.
"experienced commanders will simply be smeared and will actually go to the meat."

Offline mocat

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Re: How Many Credit Cards Do You Have?
« Reply #10320 on: April 06, 2018, 11:18:28 AM »
god help me i think the csr has been worth it for me. the redemption in the ur portal is so hot, and the extra 1x on dining/travel more than makes up for $150 vs $95

Offline Trim

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Re: How Many Credit Cards Do You Have?
« Reply #10321 on: April 06, 2018, 11:24:23 AM »
god help me i think the csr has been worth it for me. the redemption in the ur portal is so hot, and the extra 1x on dining/travel more than makes up for $150 vs $95

I hope you binge’d for free in an airport lounge or two also.

Offline puniraptor

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Re: How Many Credit Cards Do You Have?
« Reply #10322 on: April 09, 2018, 11:18:59 PM »
I got a 60k AA citi mc from an email offer. is that good?

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Re: How Many Credit Cards Do You Have?
« Reply #10323 on: April 09, 2018, 11:38:31 PM »
the 3x csr is well worth it, the ur’s flow of into your account like the salmon of capistrano
i’ll be rt first classing it to tokyo/hong kong in no time


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Offline sys

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Re: How Many Credit Cards Do You Have?
« Reply #10324 on: April 09, 2018, 11:56:24 PM »
I got a 60k AA citi mc from an email offer. is that good?

it's the same as non-targeted, but yes it's good.
"experienced commanders will simply be smeared and will actually go to the meat."