Author Topic: dipping a toe into milage cards  (Read 7489 times)

Scommm

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Re: dipping a toe into milage cards
« Reply #50 on: October 17, 2017, 12:13:06 AM »
I've been doing this for almost two years, made over a million points on sign ups and spend. I have two facebook groups dedicated to travel hacks and manufactured spend. easy to do and you can make some $ as well.

elaine amj

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Re: dipping a toe into milage cards
« Reply #51 on: October 17, 2017, 07:29:35 AM »
in my experience
instant online approval = approved
and
we need time to review and send a letter = denied

after a few CC apps, it's inevitable to get reviewed and not get instant approval. My DH calls the next day and generally always gets approved  (until this stupid stupid 5/24 rule).

DarkandStormy

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Re: dipping a toe into milage cards
« Reply #52 on: October 17, 2017, 08:13:08 AM »
So, the consensus is the "informed by mail" does means a rejection?

I'm not familiar with the 0/30, what is that?

If you're talking the automated line, call recon!!  If you're under 5/24 with a good credit score you should get approved.  They might just need to move some credit limit around.  Always call!

0/30 is number of credit card applications in the last 30 days.  Chase limits you to 2 in the last 30 days for personal cards and 1 (or maybe it's none?) for business cards.  If they see you applied for 2 other credit cards in the last month you'll be auto-denied.

DarkandStormy

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Re: dipping a toe into milage cards
« Reply #53 on: October 17, 2017, 08:14:27 AM »
I've been doing this for almost two years, made over a million points on sign ups and spend. I have two facebook groups dedicated to travel hacks and manufactured spend. easy to do and you can make some $ as well.

Would love to hear more about MS.  We've been doing everything organically and stretching a bit like volunteering to book the AirBNB house for a group trip and then everyone paid us back via paypal/venmo.  But that's not really MS.

ketchup

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Re: dipping a toe into milage cards
« Reply #54 on: October 17, 2017, 10:34:30 AM »
0/30 is number of credit card applications in the last 30 days.  Chase limits you to 2 in the last 30 days for personal cards and 1 (or maybe it's none?) for business cards.  If they see you applied for 2 other credit cards in the last month you'll be auto-denied.
This is true as a rule, but I was able to get three personal cards approved on the same day, first two approved instantly online, and calling recon for the third and getting a low CL ($1500) after a lot of grilling.  It can be done.

Eilonwy

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Re: dipping a toe into milage cards
« Reply #55 on: October 17, 2017, 11:48:28 AM »
I can't see my husband making that call. :-( I suppose I could try applying, but I thought he would have a better shot, since I'm usually the one who applies. Unless they lump us together because we share cards, he should certainly be 0/30 and I would think less than 5/24. I think I am too, but maybe not.

DarkandStormy

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Re: dipping a toe into milage cards
« Reply #56 on: October 17, 2017, 12:24:27 PM »
I can't see my husband making that call.

?  It's 10-15 minutes and could potentially net you ~$1k in travel.

DarkandStormy

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Re: dipping a toe into milage cards
« Reply #57 on: October 17, 2017, 12:26:17 PM »
How do I transfer ultimate reward points to southwest?

You need to have a CSP, CSR, or Ink Preferred.  Go to the Ultimate Rewards page, which can be found in the bottom left of your home page on Chase's site.

Click CSP, CSR, or Ink Preferred.  Use Points -> Transfer to Travel Partners.  Find Southwest and click transfer points.

Catbert

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Re: dipping a toe into milage cards
« Reply #58 on: October 17, 2017, 12:28:44 PM »
I can't see my husband making that call. :-( I suppose I could try applying, but I thought he would have a better shot, since I'm usually the one who applies. Unless they lump us together because we share cards, he should certainly be 0/30 and I would think less than 5/24. I think I am too, but maybe not.

Not to say that I would ever do this, but I've heard some people use their spouse's phone and call in pretending to be the spouse.  Customer service reps are careful not to challenge a caller just because their voice sounds like a different gender...or so I've heard.  But use the phone that tracks with the application. 

Rubic

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Re: dipping a toe into milage cards
« Reply #59 on: October 17, 2017, 12:45:31 PM »
I can't see my husband making that call. :-( I suppose I could try applying, but I thought he would have a better shot, since I'm usually the one who applies. Unless they lump us together because we share cards, he should certainly be 0/30 and I would think less than 5/24. I think I am too, but maybe not.

Not to say that I would ever do this, but I've heard some people use their spouse's phone and call in pretending to be the spouse.  Customer service reps are careful not to challenge a caller just because their voice sounds like a different gender...or so I've heard.  But use the phone that tracks with the application.

An easier way to do this is have your spouse call and get through the
verification stage, then say, "I'd like for my wife to handle this.", then
have him hand over the phone to you.

Debts_of_Despair

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Re: dipping a toe into milage cards
« Reply #60 on: October 17, 2017, 02:14:58 PM »
I can't see my husband making that call.

?  It's 10-15 minutes and could potentially net you ~$1k in travel.

Like making $6000/hr!!

Debts_of_Despair

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Re: dipping a toe into milage cards
« Reply #61 on: October 17, 2017, 02:21:34 PM »
This thread should've ended after the CSR recommendation.  Best signup offer ever.

At the time of the OP, the 100K was no longer the signup offer....so, yes the thread should have gone on because there was room for debate.

50,000 points equal to $750 in travel redemption, $300 travel reimbursement, free TSA Precheck/Global Entry ($100 value), among other benefits, less $450 fee.  But hey, I don't want to get in the way of your referral links to inferior cards.

ketchup

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Re: dipping a toe into milage cards
« Reply #62 on: October 17, 2017, 02:28:27 PM »
I can't see my husband making that call. :-( I suppose I could try applying, but I thought he would have a better shot, since I'm usually the one who applies. Unless they lump us together because we share cards, he should certainly be 0/30 and I would think less than 5/24. I think I am too, but maybe not.

Not to say that I would ever do this, but I've heard some people use their spouse's phone and call in pretending to be the spouse.  Customer service reps are careful not to challenge a caller just because their voice sounds like a different gender...or so I've heard.  But use the phone that tracks with the application.
Absolutely.  I talked to a T-mobile CSR on the phone as my girlfriend while setting up our account (in her name).  She has a very obviously feminine name.  I have a very obviously dude voice.  They didn't question it, and kept calling me by her name like it was nothing.

DarkandStormy

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Re: dipping a toe into milage cards
« Reply #63 on: October 17, 2017, 02:38:05 PM »
This thread should've ended after the CSR recommendation.  Best signup offer ever.

At the time of the OP, the 100K was no longer the signup offer....so, yes the thread should have gone on because there was room for debate.

50,000 points equal to $750 in travel redemption, $300 travel reimbursement, free TSA Precheck/Global Entry ($100 value), among other benefits, less $450 fee.  But hey, I don't want to get in the way of your referral links to inferior cards.

CSP has the same Ultimate Rewards sign-up bonus with no Annual Fee in the first year, $95 after that.  The "travel redemption" piece only makes sense if you use the Ultimate Rewards to book travel...but URs are worth more when transferring them to travel partners.

So, pay $0 hit min. spend and get 50k URs. 

CSR - pay $450, hit min. spend get 50k URs get $300 in travel credit and access to TSA Precheck (who cares?).  You're paying $150 with the CSR and if TSA Precheck is a must for you, you're still out of pocket $50 more than with a CSP.

If you are only applying to get the most URs for the minimal cost (and don't care about Priority Pass or TSA Precheck) then CSP > CSR.

Also, thank you for your conceited dig.  I applied for the CSP and a few weeks before getting ready to apply for the CSR, Chase came out with their new "family rules" on the Sapphire cards.

As an fyi, they are data points out there of people double applying for the CSP and CSR on the same day and getting both bonuses.  If you can handle $8k spending in 3 months, 100K URs could be yours.

JLee

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Re: dipping a toe into milage cards
« Reply #64 on: October 17, 2017, 02:40:34 PM »
This thread should've ended after the CSR recommendation.  Best signup offer ever.

At the time of the OP, the 100K was no longer the signup offer....so, yes the thread should have gone on because there was room for debate.

50,000 points equal to $750 in travel redemption, $300 travel reimbursement, free TSA Precheck/Global Entry ($100 value), among other benefits, less $450 fee.  But hey, I don't want to get in the way of your referral links to inferior cards.

CSP has the same Ultimate Rewards sign-up bonus with no Annual Fee in the first year, $95 after that.  The "travel redemption" piece only makes sense if you use the Ultimate Rewards to book travel...but URs are worth more when transferring them to travel partners.

So, pay $0 hit min. spend and get 50k URs. 

CSR - pay $450, hit min. spend get 50k URs get $300 in travel credit and access to TSA Precheck (who cares?).  You're paying $150 with the CSR and if TSA Precheck is a must for you, you're still out of pocket $50 more than with a CSP.

If you are only applying to get the most URs for the minimal cost (and don't care about Priority Pass or TSA Precheck) then CSP > CSR.

Also, thank you for your conceited dig.  I applied for the CSP and a few weeks before getting ready to apply for the CSR, Chase came out with their new "family rules" on the Sapphire cards.

As an fyi, they are data points out there of people double applying for the CSP and CSR on the same day and getting both bonuses.  If you can handle $8k spending in 3 months, 100K URs could be yours.

Since August?

https://thepointsguy.com/2017/08/chase-limiting-sapphire-signups/

DarkandStormy

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Re: dipping a toe into milage cards
« Reply #65 on: October 17, 2017, 02:54:20 PM »
This thread should've ended after the CSR recommendation.  Best signup offer ever.

At the time of the OP, the 100K was no longer the signup offer....so, yes the thread should have gone on because there was room for debate.

50,000 points equal to $750 in travel redemption, $300 travel reimbursement, free TSA Precheck/Global Entry ($100 value), among other benefits, less $450 fee.  But hey, I don't want to get in the way of your referral links to inferior cards.

CSP has the same Ultimate Rewards sign-up bonus with no Annual Fee in the first year, $95 after that.  The "travel redemption" piece only makes sense if you use the Ultimate Rewards to book travel...but URs are worth more when transferring them to travel partners.

So, pay $0 hit min. spend and get 50k URs. 

CSR - pay $450, hit min. spend get 50k URs get $300 in travel credit and access to TSA Precheck (who cares?).  You're paying $150 with the CSR and if TSA Precheck is a must for you, you're still out of pocket $50 more than with a CSP.

If you are only applying to get the most URs for the minimal cost (and don't care about Priority Pass or TSA Precheck) then CSP > CSR.

Also, thank you for your conceited dig.  I applied for the CSP and a few weeks before getting ready to apply for the CSR, Chase came out with their new "family rules" on the Sapphire cards.

As an fyi, they are data points out there of people double applying for the CSP and CSR on the same day and getting both bonuses.  If you can handle $8k spending in 3 months, 100K URs could be yours.

Since August?

https://thepointsguy.com/2017/08/chase-limiting-sapphire-signups/

https://www.reddit.com/r/churning/comments/6v3whv/chase_sapphire_reserve_megathread/

Some people here say yes.

Eilonwy

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Re: dipping a toe into milage cards
« Reply #66 on: October 17, 2017, 07:58:01 PM »

An easier way to do this is have your spouse call and get through the
verification stage, then say, "I'd like for my wife to handle this.", then
have him hand over the phone to you.

That I could see working. Thanks.

Eilonwy

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Re: dipping a toe into milage cards
« Reply #67 on: December 13, 2017, 10:18:02 PM »
So we earned the Barclay bonus and I'm pretty sure we've earned the Chase bonus at this point. I'm wondering now if I should go back to our regular cards or keep using the Chase. The Barclay miles setup isn't as straightforward as it seemed, and I haven't had the opportunity to use the Chase yet  .

FindingFI

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Re: dipping a toe into milage cards
« Reply #68 on: December 14, 2017, 08:36:32 AM »
We just got into the sign up bonus game a couple months ago, so I'm sure there's a lot of info out there that I haven't even seen yet.  We just earned and redeemed the reward on a pair Capital One Venture cards ($500 each) and I should be getting the miles from one Barclay Red Aviator AAdvatage card at the next statement close (60,500 miles), and I'm trying to decide what to sign up for next. 

We are traveling to Hawaii next summer and hopefully using the AA miles (they had flights available for reward travel one way a couple weeks ago) and hotel is already covered, but no particular travel in mind beyond that.  We seem to fly AA, United, and Delta somewhat evenly, though Southwest and Jetblue also have airports nearby.  We generally just fly whatever is cheapest between the two airports with an hour of the house. 

I have held off on the Chase Sapphire cards to see if the bonus goes back up to 100k, but maybe its worth jumping on at the lower 50k level before we are signed up for too many cards to get approved.  No idea how frequently the 100k bonus is offered or if its even likely to come back.  Anyone with more experience have any insight here?

Also looks like the sign up bonus for the Citi AAdvantage Platinum Select World EliteTM MasterCard is higher than usual at 60k miles now, but is it a bit silly to sign up for another card that provides the same AA benefits we are already getting from a different AA branded card?   


DarkandStormy

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Re: dipping a toe into milage cards
« Reply #69 on: December 14, 2017, 10:37:31 AM »
I have held off on the Chase Sapphire cards to see if the bonus goes back up to 100k, but maybe its worth jumping on at the lower 50k level before we are signed up for too many cards to get approved.  No idea how frequently the 100k bonus is offered or if its even likely to come back.  Anyone with more experience have any insight here?

The 100k was a limited time offer when the Sapphire Reserve was rolled out initially. 

http://viewfromthewing.boardingarea.com/2017/07/28/chase-worried-theyre-losing-money-sapphire-reserve/

https://www.uscreditcardguide.com/chase-sapphire-reserve-credit-card/

https://www.uscreditcardguide.com/chase-sapphire-preferred-credit-card/

The offers haven't changed in awhile on the Sapphire cards.

FindingFI

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Re: dipping a toe into milage cards
« Reply #70 on: December 14, 2017, 12:54:54 PM »
Thanks DarkandStormy, that may change our approach.  It might be time to pull that trigger before we are waiting years to fall with in the 5/24 rule again.

Eilonwy

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Re: dipping a toe into milage cards
« Reply #71 on: December 14, 2017, 02:05:33 PM »
Rats, I'm very tempted by that Citi card but my husband's at 5/24 and I'm at 6/24. I'm annoyed at the cards I fell for before getting more educated by you folks.

Debts_of_Despair

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Re: dipping a toe into milage cards
« Reply #72 on: December 14, 2017, 03:09:20 PM »
The Chase Ink Business Preferred card seems to be the best thing going.  80k points for $5k spend.  $95 annual fee.

DarkandStormy

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Re: dipping a toe into milage cards
« Reply #73 on: December 14, 2017, 03:11:33 PM »
The Chase Ink Business Preferred card seems to be the best thing going.  80k points for $5k spend.  $95 annual fee.

100K if you apply via BRM.

Debts_of_Despair

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Re: dipping a toe into milage cards
« Reply #74 on: December 14, 2017, 07:01:02 PM »
BRM??

DarkandStormy

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