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  1. #176
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    17,925
    If you need a card that works well for trips to Yurp, get an Alaska card while they are offering the 60k miles bonus for sign up. That is good for a business flight on BA. Only 1 miles per dollar spent and 2 miles for gas purchases.
    Quote Originally Posted by leroy jenkins View Post
    I think you'd have an easier time understanding people if you remembered that 80% of them are fucking morons.
    That is why I like dogs, more than most people.

  2. #177
    Join Date
    Sep 2006
    Location
    Fraggle Rock, CO
    Posts
    7,285
    Last statement the amex card had just shy of 400k miles available. We've gotta go someplace...
    Brandine: Now Cletus, if I catch you with pig lipstick on your collar one more time you ain't gonna be allowed to sleep in the barn no more!
    Cletus: Duly noted.

  3. #178
    Join Date
    Apr 2021
    Posts
    45
    Got medical expenses coming up and ready to drop for a Chase PreferredĖany idea if there are sign up bonuses > 60K points?

  4. #179
    Join Date
    Oct 2002
    Location
    Shadynasty's Jazz Club
    Posts
    10,003
    Quote Originally Posted by priapism View Post
    Got medical expenses coming up and ready to drop for a Chase PreferredĖany idea if there are sign up bonuses > 60K points?
    Thatís the bonus right now.
    https://creditcards.chase.com/reward...hire/preferred

    Seeing a lot more of these in my email which has me thinking weíll start seeing the 100k bonus on bonus deals again soon.
    Remind me. We'll send him a red cap and a Speedo.

  5. #180
    Join Date
    Sep 2004
    Location
    LV-426
    Posts
    20,079
    I recommend following doctorofcredit.com for current offers on credit cards. The site covers everything without favoritism - a lot of the points type sites rely on referral links and will only list banks they get referrals from. DOC lists good SUBs even if they don't get referrals.
    Quote Originally Posted by powder11 View Post
    if you have to resort to taking advice from the nitwits on this forum, then you're doomed.

  6. #181
    Join Date
    Oct 2002
    Location
    Shadynasty's Jazz Club
    Posts
    10,003
    Quote Originally Posted by El Chupacabra View Post
    I recommend following doctorofcredit.com for current offers on credit cards. The site covers everything without favoritism - a lot of the points type sites rely on referral links and will only list banks they get referrals from. DOC lists good SUBs even if they don't get referrals.
    x2. Bank acct bonuses and high yield savings accts, too.
    Remind me. We'll send him a red cap and a Speedo.

  7. #182
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    17,925
    Quote Originally Posted by Cruiser View Post
    Last statement the amex card had just shy of 400k miles available. We've gotta go someplace...
    Fucking Amex/Delta bends you over on Award Travel unless you book their specials.
    Quote Originally Posted by leroy jenkins View Post
    I think you'd have an easier time understanding people if you remembered that 80% of them are fucking morons.
    That is why I like dogs, more than most people.

  8. #183
    Join Date
    Nov 2004
    Location
    Ewgene, Orygun
    Posts
    39
    Quote Originally Posted by liv2ski View Post
    Fucking Amex/Delta bends you over on Award Travel unless you book their specials.
    My favorite is using United miles on Star Alliance, especially with an excursionist perk (free one way) inside a RT or open jaw award ticket. Usually you need to be a Premier member with a United CC to see the business class saver awards.

  9. #184
    Join Date
    Sep 2010
    Location
    Salt Lake City
    Posts
    173
    Quote Originally Posted by bagtagley View Post
    x2. Bank acct bonuses and high yield savings accts, too.
    Yeah, the lists of best card and bank account bonuses are a pretty safe bet to follow.

  10. #185
    Join Date
    Oct 2011
    Location
    Aspen
    Posts
    2,493
    Quote Originally Posted by mtndave View Post
    My favorite is using United miles on Star Alliance, especially with an excursionist perk (free one way) inside a RT or open jaw award ticket. Usually you need to be a Premier member with a United CC to see the business class saver awards.
    Yes!

  11. #186
    Join Date
    Apr 2008
    Location
    Treading Water
    Posts
    6,229
    Signed up for a United Quest card. $250/yr, but we'll be heading to Italy in August so will probably break even with 4 checked bags (cardholder and companion). Not sure if it'll make sense long term, but figured it's worth a try.
    Signed up for the Amazon card, which meant signing up as the primary for Prime (was piggybacking off a family member). It'll be a bit more than break even for better or for worse.
    Not very dramatic.
    However many are in a shit ton.

  12. #187
    Join Date
    May 2006
    Location
    Colorado
    Posts
    1,580
    Quote Originally Posted by jm2e View Post
    Signed up for the Amazon card
    Am I being needlessly greedy wanting more than $100 credit? Missed that $200 offer and now that's my illogical mark.

  13. #188
    Join Date
    Apr 2022
    Posts
    20
    Quote Originally Posted by jm2e View Post
    Signed up for a United Quest card. $250/yr, but we'll be heading to Italy in August so will probably break even with 4 checked bags (cardholder and companion).
    Did exactly this for family Italy trip last summer. Perfetto. But would have had more flight/airport options with a similar Delta promotional.

    Thinking about a 21 month no interest card with cash back now to arbitrage. Rack it up with every possible expense and buy CD's each month, with maturities planned to pay at end of no interest period. Will I tank my credit score if utilization goes from 3% to 60%? For how long after it goes back to 3% utilization?

  14. #189
    Join Date
    Oct 2015
    Posts
    2,551
    Quote Originally Posted by ENDOOO View Post

    Will I tank my credit score if utilization goes from 3% to 60%? For how long after it goes back to 3% utilization?
    Yes, youíll see a large drop if you go over 50% usage. Itís really best to keep it under 30%, but unlike delinquencies your score should come back up almost immediately once you pay your cards back down.

  15. #190
    Join Date
    Oct 2002
    Location
    Shadynasty's Jazz Club
    Posts
    10,003
    Quote Originally Posted by CarlMega View Post
    Am I being needlessly greedy wanting more than $100 credit? Missed that $200 offer and now that's my illogical mark.
    If you spend much at Amazon, and especially if you shop at Whole Foods, you're missing out on a lot of return waiting for that extra $100.
    Remind me. We'll send him a red cap and a Speedo.

  16. #191
    Join Date
    Oct 2011
    Location
    Aspen
    Posts
    2,493
    Quote Originally Posted by ENDOOO View Post
    Did exactly this for family Italy trip last summer. Perfetto. But would have had more flight/airport options with a similar Delta promotional.

    Thinking about a 21 month no interest card with cash back now to arbitrage. Rack it up with every possible expense and buy CD's each month, with maturities planned to pay at end of no interest period. Will I tank my credit score if utilization goes from 3% to 60%? For how long after it goes back to 3% utilization?
    Do you mean using convenience checks against the available credit? If you're going to play that game and want to try to pad your utilization, I would recommend opening a couple other cards on the same day as opening your 0% card to add available credit and also call/chat/try online to add credit to your existing accounts. Basically pad your total available credit all in on swoop and your credit report shouldn't be updated to show anything till a day or more later.

  17. #192
    Join Date
    Oct 2002
    Location
    my own little world
    Posts
    5,090

    What's the best credit card deal today?

    Quote Originally Posted by ENDOOO View Post
    Did exactly this for family Italy trip last summer. Perfetto. But would have had more flight/airport options with a similar Delta promotional.

    Thinking about a 21 month no interest card with cash back now to arbitrage. Rack it up with every possible expense and buy CD's each month, with maturities planned to pay at end of no interest period. Will I tank my credit score if utilization goes from 3% to 60%? For how long after it goes back to 3% utilization?
    If one card is going to shoot you to 60% utilizationÖ.. thatís weird. One $1000 card maxed and one $9000 card at nothing puts you at 10% utilization. As mentioned, itíll recover instantly - or the next time itís reported. Credit scores remember late payments, but they donít remember all the other stuff. And it wonít make you a 500 or somethingÖ. Might get you into the mid-high 600ís if there isnít anything else driving it down. If you donít need a loan in the interim I canít think of a reason not to do it, other than it sounds like spending hours of time and stress to make a few hundred bucks.
    focus.

  18. #193
    Join Date
    Apr 2022
    Posts
    20
    Quote Originally Posted by alpinevibes View Post
    Do you mean using convenience checks against the available credit? If you're going to play that game and want to try to pad your utilization, I would recommend opening a couple other cards on the same day as opening your 0% card to add available credit and also call/chat/try online to add credit to your existing accounts. Basically pad your total available credit all in on swoop and your credit report shouldn't be updated to show anything till a day or more later.
    I was more thinking just do my usual charges of $3-$4K/month, but instead of paying off each month, buy a CD for the same amount. Never bought a CD before. 12-month CD's for the first few months, then shorter terms so they mature when the 0% rate expires. Just thinking there might be a move here with 0% offers for 21-months and 12-month CD's paying more than 4%.

    But I guess I am limited to the credit limit on the 0% card(s). Maybe one for me and one for wife will provide enough to make it worthwhile. Depends on CD returns staying high for a year or more, getting a couple 0%/cash back cards with $30K limit each, and actually buying the CD's. I'm penciling it out at $2,500-$3,000 for the interest and another $1,750 for the 2% cash back over the 21 months. Pretty good...but just writing this feels like a lot more work than bagging a couple international airline tickets.

  19. #194
    Join Date
    Apr 2022
    Posts
    20
    Quote Originally Posted by Mustonen View Post
    If one card is going to shoot you to 60% utilizationÖ.. thatís weird. One $1000 card maxed and one $9000 card at nothing puts you at 10% utilization. As mentioned, itíll recover instantly - or the next time itís reported. Credit scores remember late payments, but they donít remember all the other stuff. And it wonít make you a 500 or somethingÖ. Might get you into the mid-high 600ís if there isnít anything else driving it down. If you donít need a loan in the interim I canít think of a reason not to do it, other than it sounds like spending hours of time and stress to make a few hundred bucks.
    I was thinking buying a $3-$4K CD each month over the first 15 months of the 21-month 0% interest period. So would end up carrying a balance of $60K or so.

  20. #195
    Join Date
    Oct 2002
    Location
    Shadynasty's Jazz Club
    Posts
    10,003
    Totally doable. Ideally youíd have some balances to transfer or a large purchase to get you a head start on that first chunk of investment. Problem is, I havenít seen a 0% offer without transfer fees in a few years.
    Remind me. We'll send him a red cap and a Speedo.

  21. #196
    Join Date
    Oct 2011
    Location
    Aspen
    Posts
    2,493
    Quote Originally Posted by bagtagley View Post
    Problem is, I haven’t seen a 0% offer without transfer fees in a few years.
    https://www.firsttechfed.com/borrow/...choice-rewards - free balance transfer, 0% APR

    https://www.navyfederal.org/loans-ca.../platinum.html - free balance transfer, but .99% intro APR

    https://www.unionb.com/union-bank-vi...m-credit-card/ - free balance transfer, 0% APR; Sri Lankan bank fwiw.

  22. #197
    Join Date
    Oct 2002
    Location
    Shadynasty's Jazz Club
    Posts
    10,003
    Quote Originally Posted by alpinevibes View Post
    https://www.firsttechfed.com/borrow/...choice-rewards - free balance transfer, 0% APR

    https://www.navyfederal.org/loans-ca.../platinum.html - free balance transfer, but .99% intro APR

    https://www.unionb.com/union-bank-vi...m-credit-card/ - free balance transfer, 0% APR; Sri Lankan bank fwiw.
    Nice. I admittedly havenít been on the hunt, just been checking the offers that come across my desk, so to speak. Seems like bank and CC promotions get better when interest rates are up. I wonder if those no interest offers are the same?
    Remind me. We'll send him a red cap and a Speedo.

  23. #198
    Join Date
    Apr 2008
    Location
    Treading Water
    Posts
    6,229
    Has anyone ever actually used a credit card for a Rental Car insurance claim?


    Sent from my iPhone using TGR Forums
    However many are in a shit ton.

  24. #199
    Join Date
    Sep 2004
    Location
    LV-426
    Posts
    20,079
    Quote Originally Posted by jm2e View Post
    Has anyone ever actually used a credit card for a Rental Car insurance claim?


    Sent from my iPhone using TGR Forums
    I have used Allianz travel insurance for a rental car damage claim in Mexico. Worked seamlessly.
    Quote Originally Posted by powder11 View Post
    if you have to resort to taking advice from the nitwits on this forum, then you're doomed.

  25. #200
    Join Date
    Dec 2003
    Location
    Seattle
    Posts
    33,117
    Quote Originally Posted by jm2e View Post
    Has anyone ever actually used a credit card for a Rental Car insurance claim?


    Sent from my iPhone using TGR Forums
    Yep.
    Quote Originally Posted by Downbound Train View Post
    And there will come a day when our ancestors look back...........

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