How Many Credit Cards Do You Have?

[Stupid Fitz]

Yes, get that card SF.  I recently jumped on a 125k offer.  I don’t think I’ve heard of it ever being more than 150k.  And yes, you can get that fee back with the benefits.

 

[steve dave]

Mrs SF just got a mailer for 150k Amex Rewards for the Platinum. We aren't huge travelers but could prob squeeze quite a few benefits out of it for the $700 annual fee for a year. Looks like the base offer is 80k, should I pull the trigger on this? I normally am all Chase and or Southwest for rewards.

Guess Mrs SF is too elite for you guys? Paging @SteveDave

it's good

[sys]

i've always kinda avoided the amex system because i find their one bonus per "lifetime" rule to be offputting and i can keep my churn busy enough with other cards.  but 150k points is pretty appealing.

[Stupid Fitz]

i've always kinda avoided the amex system because i find their one bonus per "lifetime" rule to be offputting and i can keep my churn busy enough with other cards.  but 150k points is pretty appealing.

Fair point. I don't churn as much as I used to/should and I really haven't done anything for Mrs SF in a while so this seems like a no brainer. I have until June 30, so I'll prob wait a month or so and extend the year into next summer a bit.

[star seed 7]

So my chase sw card was opened in July 2019, when should I cancel it and what's the earliest to open a new one? I'll be waiting for a good bonus still. I have only had one other chase card since this one opened.

[steve dave]

Cancel it immediately


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[Spracne]

DO NOT TAKE STEVEDAVE'S FINANCIAL ADVICE EVER

[Stevesie60]

Can Mrs. Stevesie60 start a new card and get all the sign up perks if she's married to, and more importantly shares a bank account with, someone who already took advantage of those sign up perks?

[sys]

Can Mrs. Stevesie60 start a new card and get all the sign up perks if she's married to, and more importantly shares a bank account with, someone who already took advantage of those sign up perks?

yes.

[Stevesie60]

This is wonderful news. I'm gonna run it all back and be way more efficient at it this time around.

[sys]

yeah, it (you and your wife being two different people) is a great scam.

[ben ji]

I'm pretty sure (but will defer to SD) that if you got your original bonus more than 2 years ago you can cancel it then reapply for the new bonus.

I got my last SW card in November of 21 and plan on cancelling it soon then reapplying at the end of the year.

[steve dave]

I think there may be a small cooling off period after you cancel


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[star seed 7]

Is it 2 years? I thought it was 4

[star seed 7]

Well at least I know now, the csp is 2 years in Sept!

[sys]

Well at least I know now, the csp is 2 years in Sept!

you're not going to like this, but the csp is four years.


some of the less desirable chase cards are two years, but the sapphires are four.

[sys]

omaat does a good job of keeping track of all this stuff.

https://onemileatatime.com/guides/credit-card-application-rules/

[star seed 7]

This is why I just need sd to handle all my finances

[steve dave]

This is why I just need sd to handle all my finances

SET RISK TOLERANCE TO ABSURDLY rough ridin' TOO HIGH


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[Spracne]

This is why I just need sd to handle all my finances

SET RISK TOLERANCE TO ABSURDLY rough ridin' TOO HIGH


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CanCo

[yoga-like_abana]

Now that I closed on my pond.. What is hot to churn and burn right now?

[sys]

i'm taking the united devaluation pretty hard.  chase and united hit my sweet spot for a good long time.

[steve dave]

i'm taking the united devaluation pretty hard.  chase and united hit my sweet spot for a good long time.

My URs just became Hyatt points long ago. By far the best redemptions I could ever get. Especially travelling with kids where we need multi room suites. If Hyatt ever devalues I'm just going to turn into a "pay with points" traveller. imagine living that laissez faire lifestyle. wow, I'm actually looking forward to it.

[Stupid Fitz]

i'm taking the united devaluation pretty hard.  chase and united hit my sweet spot for a good long time.

My URs just became Hyatt points long ago. By far the best redemptions I could ever get. Especially travelling with kids where we need multi room suites. If Hyatt ever devalues I'm just going to turn into a "pay with points" traveller. imagine living that laissez faire lifestyle. wow, I'm actually looking forward to it.

After traveling for work a lot for like 10 years and then not for the last 3 or 4, I finally ran out of Marriott points. I was well over 1 million at one point. Booked a trip the other day and i was 30k short and had to transfer URs to cover. It was a sad day.

[steve dave]

BAD REDEMPTION ALERT!


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