Credit Cards Thread - Page 2

Zak · 03-30-2017, 06:48 PM

Cap 1 Venture One is pretty good. I get 1.5/2 on basically everything. Also have Amex Blue that I believe gets 1.5 also.

iowatreat · 03-30-2017, 08:25 PM

Quote:

Originally Posted by Rob S

United Mileage Plus Business (to waive annual fee)

Have you looked into this at all? I have the regular Mileage Plus card, and considered last fall switching to the Business card for the same reason (plus I think there are some other random perks), but I thought I saw that you have to either prove it is for a business or there's some requirement that wasn't worth it to me to set up. Could have missed something, so would be interested if you found different...

I need to open up some more cards just to have them open. I currently only have an Amazon Prime card that I use for all Amazon purchases and food, and a regular United Mileage Plus card I use for pretty much all other purchases. Also have a random Visa through my credit union and then a Banana Republic one because why the fuck not.

Problem is I don't have too many high dollar purchases or recurring bills to throw on a card, so I only use them for small, everyday purchases that it doesn't make sense to spread around all the time.

Rob S · 03-30-2017, 08:32 PM

Quote:

Originally Posted by iowatreat

Have you looked into this at all? I have the regular Mileage Plus card, and considered last fall switching to the Business card for the same reason (plus I think there are some other random perks), but I thought I saw that you have to either prove it is for a business or there's some requirement that wasn't worth it to me to set up. Could have missed something, so would be interested if you found different...

I need to open up some more cards just to have them open. I currently only have an Amazon Prime card that I use for all Amazon purchases and food, and a regular United Mileage Plus card I use for pretty much all other purchases. Also have a random Visa through my credit union and then a Banana Republic one because why the fuck not.

Problem is I don't have too many high dollar purchases or recurring bills to throw on a card, so I only use them for small, everyday purchases that it doesn't make sense to spread around all the time.

On the application you can apply as a sole proprietor - just list your name as the business. If they ask for your annual business revenue, don't lie. I got approved for the Chase business ink preferred listing $0.

fenikz · 04-03-2017, 12:05 AM

Never had a credit card and apparently the only thing of mine that has ever been recorded was student loans, credit score is 626(idk why it's that low) how do I get into the giant scheme of yours

nepg · 04-03-2017, 12:07 AM

Quote:

Originally Posted by fenikz

Never had a credit card and apparently the only thing of mine that has ever been recorded was student loans, credit score is 626(idk why it's that low) how do I get into the giant scheme of yours

Credit score is largely based on how much credit is extended to you vs how much you owe.

626 is pretty good for not being someone who has actively built credit.

Sent from my Moto G (4) using Tapatalk

fenikz · 04-03-2017, 01:01 AM

it's bad enough to get turned down from Amazon though

what's a good starting card

towelie · 04-03-2017, 04:29 AM

Quote:

Originally Posted by fenikz

it's bad enough to get turned down from Amazon though

what's a good starting card

i use this https://www.nerdwallet.com/credit-cards

Damix · 05-24-2017, 04:20 PM

Quote:

Originally Posted by Rob S

On the application you can apply as a sole proprietor - just list your name as the business. If they ask for your annual business revenue, don't lie. I got approved for the Chase business ink preferred listing $0.

Citi AA 65k targeted mailers without 24 month language seen.

Gotta deval AA coming up, theres way too many points out there. Award availability not on partners is essentially 0

Rob S · 05-24-2017, 04:21 PM

Quote:

Originally Posted by Damix

Citi AA 65k targeted mailers without 24 month language seen.

Gotta deval AA coming up, theres way too many points out there. Award availability not on partners is essentially 0

I have like 300k miles. Planning to use most of them on JAL to Asia.

Damix · 05-24-2017, 04:22 PM

Quote:

Originally Posted by Rob S

I have like 300k miles. Planning to use most of them on JAL to Asia.

I just had to use 30k at a terrible redemption rate for a flight. Sitting at 80k right now.

Rob S · 05-24-2017, 04:23 PM

I debated blowing a bunch of points to get a flight directly to Long Island, but so not worth it.

MaxVn · 05-24-2017, 07:38 PM

My lineup is strictly no fee, points driven.

Citi Double Cash
Chase Freedom
Discover IT
Amex Blue Cash

I also have Cap1 Spark Business card as I was (and still am) planning to start something on the side, but right now I have zero time so I haven't used it at all.

Rob S · 06-07-2017, 03:32 PM

If anyone wants to apply for the Chase Ink Business Preferred (80k UR points bonus, $95 AF), please let me refer you.

Fernando · 06-07-2017, 03:43 PM

Just got a free flight to Vegas with SW points yay.

MaxVn · 06-10-2017, 12:45 AM

Saw an ad for per-paid credit card the other day.

I guess it could be beneficial for those that have trouble spending within a budget or those with shitty credit.

I can't think of other reasons

Fernando · 06-10-2017, 01:19 AM

Southwest is doing a 60k bonus with only a 2k spend min w/in the first three months. That's a free vacation pretty much.

Kyle · 06-10-2017, 01:28 AM

Quote:

Originally Posted by Fernando

Southwest is doing a 60k bonus with only a 2k spend min w/in the first three months. That's a free vacation pretty much.

I have no idea how points work. What does 60k get you exactly?

JoeJoeBrown · 06-10-2017, 02:07 AM

Quote:

Originally Posted by Fernando

Southwest is doing a 60k bonus with only a 2k spend min w/in the first three months. That's a free vacation pretty much.

Gracias señor. i think that I'm jumping on that.

Damix · 09-24-2018, 08:29 PM

SPG/Marriott Merger, AmEx Bonus Denials, Chase being...chase.

Lots has happened in the world of CCs in the year since this thread has been posted in.

ROBBBBBBBBB

Rob S · 09-24-2018, 08:31 PM

Working on my spend requirement for the Citi TY Premier right now. 60k points very solid for AF being waived year 1. Not sure what I'll go with next, but I'm over 5/24 for Chase and I'm sure to be denied for Amex. May take a sabbatical to get under 5/24.

I'm mad starpoints have been nerfed.

04-03-2017, 12:05 AM	#24
fenikz we are family Join Date: May 2015 Posts: 31,030	Never had a credit card and apparently the only thing of mine that has ever been recorded was student loans, credit score is 626(idk why it's that low) how do I get into the giant scheme of yours __________________

04-03-2017, 01:01 AM	#26
fenikz we are family Join Date: May 2015 Posts: 31,030	it's bad enough to get turned down from Amazon though what's a good starting card __________________

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03-30-2017, 06:48 PM	#21
Zak LeBron James is a bitch Join Date: May 2015 Location: Jersey Posts: 18,850	Cap 1 Venture One is pretty good. I get 1.5/2 on basically everything. Also have Amex Blue that I believe gets 1.5 also.

05-24-2017, 04:23 PM	#31
Rob S LeBron James is a bitch Join Date: May 2015 Location: All the bacon and eggs you have Posts: 14,363	I debated blowing a bunch of points to get a flight directly to Long Island, but so not worth it.

05-24-2017, 07:38 PM	#32
MaxVn Senior Member Join Date: Apr 2017 Posts: 861	My lineup is strictly no fee, points driven. Citi Double Cash Chase Freedom Discover IT Amex Blue Cash I also have Cap1 Spark Business card as I was (and still am) planning to start something on the side, but right now I have zero time so I haven't used it at all.

06-07-2017, 03:32 PM	#33
Rob S LeBron James is a bitch Join Date: May 2015 Location: All the bacon and eggs you have Posts: 14,363	If anyone wants to apply for the Chase Ink Business Preferred (80k UR points bonus, $95 AF), please let me refer you.

06-07-2017, 03:43 PM	#34
Fernando LeBron James is a bitch Join Date: Jun 2015 Location: Texas Posts: 19,619	Just got a free flight to Vegas with SW points yay.

06-10-2017, 12:45 AM	#35
MaxVn Senior Member Join Date: Apr 2017 Posts: 861	Saw an ad for per-paid credit card the other day. I guess it could be beneficial for those that have trouble spending within a budget or those with shitty credit. I can't think of other reasons

06-10-2017, 01:19 AM	#36
Fernando LeBron James is a bitch Join Date: Jun 2015 Location: Texas Posts: 19,619	Southwest is doing a 60k bonus with only a 2k spend min w/in the first three months. That's a free vacation pretty much.

09-24-2018, 08:29 PM	#39
Damix Dictator Join Date: May 2015 Posts: 7,121	SPG/Marriott Merger, AmEx Bonus Denials, Chase being...chase. Lots has happened in the world of CCs in the year since this thread has been posted in. ROBBBBBBBBB

09-24-2018, 08:31 PM	#40
Rob S LeBron James is a bitch Join Date: May 2015 Location: All the bacon and eggs you have Posts: 14,363	Working on my spend requirement for the Citi TY Premier right now. 60k points very solid for AF being waived year 1. Not sure what I'll go with next, but I'm over 5/24 for Chase and I'm sure to be denied for Amex. May take a sabbatical to get under 5/24. I'm mad starpoints have been nerfed.