Author Topic: How Many Credit Cards Do You Have? (Read 1004831 times)

Trim · « **Reply #9100 on:** July 04, 2016, 09:51:08 PM »

Quote from: mocat on July 04, 2016, 08:42:08 PM

It's only category 1-4 hotels iirc

You're right. Lol, that vancouver hotel was only a 3.

steve dave · « **Reply #9101 on:** July 05, 2016, 08:31:18 AM »

Quote from: Trim on July 04, 2016, 08:41:30 PM

Quote from: Mrs. Gooch on July 04, 2016, 08:20:33 PM
Do you get something when you pay the Hyatt annual fee?

A free night anywhere. I used it well 2 times ago to PAK in one of the nicest spots in Vancouver, and poorly last time in Florida for a class.

you can actually get it without paying the fee. the free night hits your account the same time the fee does. then just call and cancel the card and have your fee reimbursed.

Trim · « **Reply #9102 on:** July 05, 2016, 08:44:24 AM »

Quote from: steve dave on July 05, 2016, 08:31:18 AM

Quote from: Trim on July 04, 2016, 08:41:30 PM
Quote from: Mrs. Gooch on July 04, 2016, 08:20:33 PM
Do you get something when you pay the Hyatt annual fee?

A free night anywhere. I used it well 2 times ago to PAK in one of the nicest spots in Vancouver, and poorly last time in Florida for a class.

you can actually get it without paying the fee. the free night hits your account the same time the fee does. then just call and cancel the card and have your fee reimbursed.

I did that last year with Marriott.

Mrs. Gooch · « **Reply #9103 on:** July 05, 2016, 10:11:53 AM »

Quote from: steve dave on July 05, 2016, 08:31:18 AM

Quote from: Trim on July 04, 2016, 08:41:30 PM
Quote from: Mrs. Gooch on July 04, 2016, 08:20:33 PM
Do you get something when you pay the Hyatt annual fee?

A free night anywhere. I used it well 2 times ago to PAK in one of the nicest spots in Vancouver, and poorly last time in Florida for a class.

you can actually get it without paying the fee. the free night hits your account the same time the fee does. then just call and cancel the card and have your fee reimbursed.

Yeah the fee just hit my account. And now I see that I have a reward night in my Hyatt account. I was debating on whether I should cancel the card or not.

Trim · « **Reply #9104 on:** July 05, 2016, 10:45:02 AM »

Other factors that had me keeping it in the past were that I didn't have a sapphire at the time so I used the hyatt for my restaurant/travel 2x card and for most daily stuff that I didn't get a bonus for from others, and to keep my boosted Hyatt and MLife status. But now I have a sapphire again and haven't particularly needed those status boosts, so maybe this will be the year I drop it and get it again when I'm out of 5/24 purgatory in 2017.

mocat · « **Reply #9105 on:** July 05, 2016, 10:54:19 AM »

i have kept mine a couple years for the status and the free night. $75 is not bad when the room you are getting is likely $200+

yoga-like_abana · « **Reply #9106 on:** July 05, 2016, 10:55:29 AM »

Mrs. y-l_a is finally ready to get a card with a reward program. She doesn't want an annual fee and wants to be able to redeem for flights or hotels, best options? Still the southwest card, any good AA card or something else?

steve dave · « **Reply #9107 on:** July 05, 2016, 10:57:57 AM »

Quote from: yoga-like_abana on July 05, 2016, 10:55:29 AM

Mrs. y-l_a is finally ready to get a card with a reward program. She doesn't want an annual fee and wants to be able to redeem for flights or hotels, best options? Still the southwest card, any good AA card or something else?

those all have fees. everything good will. get a chase sapphire preferred and just pay the fee would be my advice.

420seriouscat69 · « **Reply #9108 on:** July 05, 2016, 11:03:13 AM »

Mrs. Wacky has a southwest card too. Is there anyway to combined our accounts now?

'taterblast · « **Reply #9109 on:** July 05, 2016, 11:44:34 AM »

my 60k delta miles arrived from the delta amex offer

steve dave · « **Reply #9110 on:** July 05, 2016, 12:19:56 PM »

Quote from: WackyCat08 on July 05, 2016, 11:03:13 AM

Mrs. Wacky has a southwest card too. Is there anyway to combined our accounts now?

sorry, no way to combined them

sys · « **Reply #9111 on:** July 05, 2016, 02:08:51 PM »

Quote from: yoga-like_abana on July 05, 2016, 10:55:29 AM

Mrs. y-l_a is finally ready to get a card with a reward program. She doesn't want an annual fee and wants to be able to redeem for flights or hotels, best options? Still the southwest card, any good AA card or something else?

if you mean a card to keep, citi and cap one will waive the fees every year forever if you spend a dece amount on their cards. you just have to remember to call in each year.

it's not worth it, though. churn.

michigancat · « **Reply #9112 on:** July 05, 2016, 08:55:27 PM »

chase freedom is a good no fee one to keep around. Especially if there is a sapphire in the household.

michigancat · « **Reply #9113 on:** July 05, 2016, 08:55:43 PM »

Quote from: michigancat on July 05, 2016, 08:55:27 PM

chase freedom is a good no fee one to keep around. Especially if there is a sapphire in the household.

Actually probably only if there is a sapphire

sys · « **Reply #9114 on:** July 05, 2016, 09:18:43 PM »

Quote from: michigancat on July 05, 2016, 08:55:27 PM

chase freedom is a good no fee one to keep around. Especially if there is a sapphire in the household.

with 5/24, keeping the freedom is a no-brainer.

steve dave · « **Reply #9115 on:** July 06, 2016, 07:28:02 AM »

Quote from: michigancat on July 05, 2016, 08:55:43 PM

Quote from: michigancat on July 05, 2016, 08:55:27 PM
chase freedom is a good no fee one to keep around. Especially if there is a sapphire in the household.
Actually probably only if there is a sapphire

accurate

sys · « **Reply #9116 on:** July 06, 2016, 01:26:15 PM »

5% is still 5%, even if it's just cash. better than almost all alternatives for those spend categories. and if you aren't keeping or churning a sapph, presumably it's because of 5/24 so you can't churn the freedom either. if you are staying 5/24 eligible, you don't want to waste one of the 5 on churning freedoms. so either way, it's a keeper.

puniraptor · « **Reply #9117 on:** July 06, 2016, 07:37:29 PM »

I've paid just about every card fee because I'm an idiot?

WonderMeal · « **Reply #9118 on:** July 07, 2016, 09:22:36 PM »

Did not know about the Hyatt free night even after cancellation deal. I checked Mrs. WonderMeal's account, and sure enough it was there.

I think that the Ink Plus is currently in the middle of a 70k point bonus if you apply for the card at a branch. Has anyone ever done this? Do you have to go and sit in the branch and talk to a human, or can you just like grab a brochure and GTFO of there? Please advise.

michigancat · « **Reply #9119 on:** July 07, 2016, 10:31:06 PM »

Quote from: WonderMeal on July 07, 2016, 09:22:36 PM

Did not know about the Hyatt free night even after cancellation deal. I checked Mrs. WonderMeal's account, and sure enough it was there.

I think that the Ink Plus is currently in the middle of a 70k point bonus if you apply for the card at a branch. Has anyone ever done this? Do you have to go and sit in the branch and talk to a human, or can you just like grab a brochure and GTFO of there? Please advise.

I sat and talked to a human. Took a while but worth it

steve dave · « **Reply #9120 on:** July 08, 2016, 07:26:19 AM »

the amount of people on here terrified of talking to human beings is very lol

michigancat · « **Reply #9121 on:** July 08, 2016, 07:48:54 AM »

Quote from: steve dave on July 08, 2016, 07:26:19 AM

the amount of people on here terrified of talking to human beings is very lol

I dislike the account of time it requires. (at least when it comes to credit card issues)

Emo EMAW · « **Reply #9122 on:** July 08, 2016, 09:28:18 AM »

Quote from: steve dave on July 08, 2016, 07:26:19 AM

the amount of people on here terrified of talking to human beings is very lol

It is an internet forum so...

WonderMeal · « **Reply #9123 on:** July 08, 2016, 09:35:51 AM »

Quote from: steve dave on July 08, 2016, 07:26:19 AM

the amount of people on here terrified of talking to human beings is very lol

I enjoy talking to people. The problem is that this is an Ink for Mrs. WonderMeal (now our house's designated Chase card applier due to 5/24), so there is a 0% chance that she will make time to go to a Chase branch and lie to a human's face about why she needs another Ink.

I'll just try to refer Mrs. WonderMeal and settle for 65k. :(

steve dave · « **Reply #9124 on:** July 08, 2016, 10:47:42 AM »

Quote from: WonderMeal on July 08, 2016, 09:35:51 AM

Quote from: steve dave on July 08, 2016, 07:26:19 AM
the amount of people on here terrified of talking to human beings is very lol

I enjoy talking to people. The problem is that this is an Ink for Mrs. WonderMeal (now our house's designated Chase card applier due to 5/24), so there is a 0% chance that she will make time to go to a Chase branch and lie to a human's face about why she needs another Ink.

I'll just try to refer Mrs. WonderMeal and settle for 65k. :(

yeah, it wasn't your specific example and as rusty points out physically going into a bank is some time sink. I was more stealth mocking the people that hate to call and cancel their cards or ask for fees waived or ask for their card app to be approved.