Quite honestly if you see a young person working at McDonald's strapping an Amex Platinum the kid is probably an AU on their parents card. What kid at McDonald's could and would pay the annual fee Haha Lol
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Re: Excellent credit not needed
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Re: Garden Club - February 2018
Think my 3 months without a HP was today... Going to apply for mortgage on Apr 2nd is the plan and hopefully buy/close on a new house in the May time frame.. Quite honestly this is the longest I have gone without a HP in years lol. Hopefully 5 months in the garden without a HP I won't have to answer to many lender concerns for serious credit seeking and hp's 
.. My HP's overall are under control though around 3-6 on each CR for the last 12 months so not to bad? Shrug.. I am proud of myself is what counts. Once one gets over the first 30 days it gets easier now that I am at 3 months it is pretty dang easy.. Granted I have every card really worth anything to me while certainly helps as well.
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Re: NFCU feelings about cash advances
wrote:They don't care... I don't carry ATM cards with me 99% of time and usually have 20-100 dollars in my wallet at most times, but if I do run out NFCU is the card I use to take a cash advance as they only charge 50 cents plus any interest accrued for the time of the cash advance. I have on many occasions since I dont carry my ATM card anywhere with me usually I do carry one of my NFCU cards usually though and take out 40-100 dollar cash advances and when they post I simply pay them off the day they posts and no issues.. Fairly cheap other then the ATM fee you will incur and CU's are alot better then big banks w/regards to cash advances on CC.
If you have the CLOC you can write yourself a check with one of their CLOC checks as well as kinda what it is meant for?
You're correct that they don't care about cash advances but you cannot write a check to yourself from your CLOC and then deposit it into your checking account with them. You would have to deposit it into another checking account. They are different from PenFed in that regard because with PF you can transfer money from your PLOC directly to your checking account wiht them.
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Re: Best credit card to buy a television
Very recently, we got an offer for using Chase Pay at Best Buy for 10% back in points. Check if you have that offer available. We got it for both a CSP and Freedom.
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US Bank Customer Service
Sorry for the length here, this whole thing started with my app/approval I posted about in approvals, but I'll put the whole story here for anyone who hasn't read that thread.
So on 1/31, after getting an online prequalification, I applied for the US Bank Cash+ card. 7-10 day message, verification phone call 3 days later, 2 days later I call for info and automated system says approved. Call to ask about SL, rep says $500 but says "looks like the computer did something weird with the $500 limit, I can use the same credit inquiry from the application and see if we can increase that, did you have an amount in mind?" So I say $10,000 and tell him I'll accept a counteroffer if they can't do $10k. Fast forward a few days and I get some emails notifying me of a TU inquiry. US Bank again. Finally it hits FICO and I decided to give them a call. Approved for CLI to $10,000, and the rep said for a recon/CLI on new account is always an HP. I inform him of what I was told and after consulting with a supervisor, they tell me if what I'm telling them is the case, that the first rep was wrong, and that they would be able to review the call and possibly reverse the inquiry based on the results of that investigation as long as I send in a signed fax of my request detailing what happened. I'm thinking oh great, this is going to take a month of "he said this" over an inquiry, ugh.
Today I come home to a message on my machine from a supervisor at US Bank asking me to give him a call. When I do, he tells me they already reviewed the call in question and agree with me that I was given incorrect information and that it won't be a problem removing the inquiry. Quite a refreshing surprise for a company to go out of their way to correct a mistake like that. I'm impressed. I still have to send a fax, but just with my name, account number, and stating please remove the inquiry, signed and they will submit to have it removed from TU.
For the heck of it, I asked the supervisor if it would be possible to check and see if I qualify for any additional CLI using the inquiries they have on file and he said for a new account already at $10,000, without any payment history, no. Told me after 6 or so months, it shouldn't be an issue at all. Oh well, had to try!
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Re: Excellent credit not needed
wrote: I think that’s somewhat true. But since it’s for the extremely wealthy, I think the other benifit is huge credit limits or none at all. So they can do all their spending on one card. Once you get rich enough I think cashback isn’t that important for many. But do it all concierge services becomes a huge benifit. Having someone book and do everything for one is common in their lives. The fees are to help pay for these people’s salaries lol.
That's true, concierge services can be useful, and credit card companies may (or may not, but may) be better at providing them than competitors (like travel agents, who will work for anyone for much less than $2,000/year). But let's just be clear what is happening at this point: someone is paying a company that just happens to provide credit cards for a service other than a credit card, that happens to be bundled with a credit card. The service is being paid for in cash (annual fee), not credit card usage, fees, or balance interest, and has really nothing to do with the creditworthiness of the customer, beyond his ability to pay the annual fee.
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Re: Excellent credit not needed
Keep in mind that for AMEX to even consider extending an invitation to apply for a Centurion card, one needs to have established a pattern of spending a minimum of $250K/yr on an AMEX Platinum. At that level $2K is going to be a mere drop in the bucket.
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Re: Need new strategy to trigger auto CLI with Chase
You'll take a score hit from letting 90%+ util report on a card. Heck, I took a score hit today from letting utilization on one of my accounts increase from 8% to 11%. I recall having a 20 point drop from going 12% util to 33% on a single card, and that was with my total overall utilization still under 9%. Be careful.
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Re: Garden Club - February 2018
For off-the-beaten-path Steven King thrills, I recommend The Girl Who Loved Tom Gordon and Rose Madder. I take both on all my flights.
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Re: FYI, Chase full credit line consolidation still possible
If I left the $500 on there months ago, do you think theres any chance of requesting that be added to one of my cards?
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Re: Garden Club - February 2018
wrote:
wrote:
wrote:
wrote:
wrote:Thinner creeped me out personally. Wondering if the book is better than the movie especially with the ending.
I enjoyed the book better than the movie for Thinner.....but I will still watch it if I see its on 😂
So does it improve on the ending? That was my only major gripe with the film.
Ending is somewhat similar.
In that case without spoiling anything why did you enjoy the book more?
The book, IMO, showed more on the trial and interactions between characters. It was easier to hate the wife. Also the descriptions of each ailment really put your imagination to work. The movie imo, had some bad acting and costumes. The ailments were almost comical to see.
Shout out to who mentioned Cujo, Carrie and Christine (totally forgot about those and the forgot about the Shining).
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Re: Best credit card to buy a television
wrote:
Very recently, we got an offer for using Chase Pay at Best Buy for 10% back in points. Check if you have that offer available. We got it for both a CSP and Freedom.
Where do you look for this offer?
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Re: Best credit card to buy a television
For me it would depend on the purchase price. Whether extended warranty or price protection and the likes are an interest to you.. Based on that I would pick the appropriate card. Most likely on a costly TV I would use Amex or possibly say Costco, but since you said bestbuy probably an Amex card due extended warranty, not sure CSR's extended works without reading up on it.. Doubt the freedom offers such benefits.
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Re: Best credit card to buy a television
wrote: For me it would depend on the purchase price. Whether extended warranty or price protection and the likes are an interest to you.. Based on that I would pick the appropriate card. Most likely on a costly TV I would use Amex or possibly say Costco, but since you said bestbuy probably an Amex card due extended warranty, not sure CSR's extended works without reading up on it.. Doubt the freedom offers such benefits.
Yep ditto this. I think regardless of price I would double up on putting it on a card like Citi or AMEX while buying Best Buy's warranty protection. I wish every electronic store had a return policy like BB's tbh. Nice and easy from my experience working with them from headphones to televisions over the year.
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Re: Best credit card to buy a television
wrote:For me it would depend on the purchase price. Whether extended warranty or price protection and the likes are an interest to you.. Based on that I would pick the appropriate card. Most likely on a costly TV I would use Amex or possibly say Costco, but since you said bestbuy probably an Amex card due extended warranty, not sure CSR's extended works without reading up on it.. Doubt the freedom offers such benefits.
The tv would cost around $600, so not cheap but also not massively expensive for televisions.
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Re: Does Chase combine HPs for CLIs?
No they do not.
I just CLI my CSR and Freedom Unli, CSR agent said they would not combine HP's. In my opion, it was not worth it.
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Re: Best credit card to buy a television
wrote:
wrote:For me it would depend on the purchase price. Whether extended warranty or price protection and the likes are an interest to you.. Based on that I would pick the appropriate card. Most likely on a costly TV I would use Amex or possibly say Costco, but since you said bestbuy probably an Amex card due extended warranty, not sure CSR's extended works without reading up on it.. Doubt the freedom offers such benefits.
Yep ditto this. I think regardless of price I would double up on putting it on a card like Citi or AMEX while buying Best Buy's warranty protection. I wish every electronic store had a return policy like BB's tbh. Nice and easy from my experience working with them from headphones to televisions over the year.
Oh I never buy the warranty at stores. To me its not worth the extra money these stores charge.
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Re: Excellent credit not needed
wrote:
wrote:800+ score means nothing as anything above 760 really means nothing. If you want to part of a rare club pay 995$ af for the gold card from barclay's being the luxury card. Have fun as you will be one of the few with that card. Report back how it feels once done. Thanks
Edit:
In the meantime I will keep my cruddy Platinum, CSR and other cards with the common person on this forum
I don't consider any card that imposes an annual fee to be for the common person -- certainly not one with a fee of several hundred dollars.
Annual fees are huge value propositions in the hands of any person who can extract more value than the AF out of the card, and perhaps some even AFs even exist to help drive their product exclusively toward that demographic. Is someone who spends their money mostly on dining/travel unusual? I don't know many people who spend $200/month on gas - are they uncommon? They're probably very common - it's just that we often think the people we don't usually associate with/see everyday are uncommon, and the fact is they're not. They're just not in your particular social circle.
If the AF for a card seems high, then that's a sign that's not the card for you. I wouldn't pay $25 for a Venture but I'm happily forking over $450 (really $150, but let's say $450) for a CSR. The CSR gives me 100k+ miles a year that I can transfer to an airline and redeem for flights. If I checked in at the United kiosk at the airport and they offered me 100k miles for $450, I'd buy that too. If someone else can only get 10k points out of a $450 AF, then it's still valuable but not nearly as so and perhaps not enough to justify the AF.
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Re: Garden Club - February 2018
Could AMEX be thinking of once again offering traditional banking services? American Express Centurion Bank will undergo a legal entity change and be known as American Express National Bank as of April 1, 2018. They used to offer traditional services years ago and it didn't go well. Or maybe there is some reason to have to change legal entities due to anticipated blockchain transactions?
Side note: No changes announced to American Express Bank, FSB which handles most co-branded cards.
Discuss...
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Re: CSP SUB
wrote:
The following comment will probably draw all sorts of blowback from members of this forum, but here goes..... if you don't think you can meet the SUB spending requirement with your organic spending, then you will probably not get good value from this card, and you should pursue other cards instead of this one.
I was thinking a similar thought, but with the caveat that if you are JUST in it for the SUB, then that's worthwhile. But as a keeper, not worth the $95 fee without more spend.
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