May 2016 Garden Club/Cult

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CarefulBuilder14
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Re: May 2016 Garden Club/Cult

Postby CarefulBuilder14 » Sun May 08, 2016 9:23 pm

All my back-and-forth indecision about whether I want a Prestige this summer or not is making my head hurt. :beat:

I'm taking a week or two off from thinking about credit.

I'll stick with simple for now: Booking travel directly and with minimal hassle, and if I can't get into an airport lounge with Platinum, I'll just buy a freakin' sandwich and eat it by my gate.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card


Nixon
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Re: May 2016 Garden Club/Cult

Postby Nixon » Sun May 08, 2016 9:50 pm

CarefulBuilder14 wrote:All my back-and-forth indecision about whether I want a Prestige this summer or not is making my head hurt. :beat:

I'm taking a week or two off from thinking about credit.

I'll stick with simple for now: Booking travel directly and with minimal hassle, and if I can't get into an airport lounge with Platinum, I'll just buy a freakin' sandwich and eat it by my gate.


No more Citigold discount off AF if you have less than 200K in deposits. I may cancel the Prestige over that if they don't continue to honor it.
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CarefulBuilder14
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Re: May 2016 Garden Club/Cult

Postby CarefulBuilder14 » Mon May 09, 2016 12:10 am

Nixon wrote:
CarefulBuilder14 wrote:All my back-and-forth indecision about whether I want a Prestige this summer or not is making my head hurt. :beat:

I'm taking a week or two off from thinking about credit.

I'll stick with simple for now: Booking travel directly and with minimal hassle, and if I can't get into an airport lounge with Platinum, I'll just buy a freakin' sandwich and eat it by my gate.


No more Citigold discount off AF if you have less than 200K in deposits. I may cancel the Prestige over that if they don't continue to honor it.

I did a little spring cleaning and found an old receipt for airport food. $25 for two small, cold ham sandwiches.

$8k SL on Prestige.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

Tubpbs
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Re: May 2016 Garden Club/Cult

Postby Tubpbs » Mon May 09, 2016 12:17 am

???

Did you app?

What does your receipt comment mean?
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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CarefulBuilder14
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Re: May 2016 Garden Club/Cult

Postby CarefulBuilder14 » Mon May 09, 2016 9:48 am

Tubpbs wrote:???

Did you app?

What does your receipt comment mean?

I apped and was instantly approved for $8k.

I was reminded of how outrageous airport food prices can be, and how that multiplies with company. I'll be flying more than usual in the next 12 months. Between layovers and guest access, it seems hard to go wrong with adding Prestige now.

Using perks like that, I don't have to get great cpp value for the card to make sense for the next 12 months, so I decided added complexity wasn't much of a concern...for the first year, at least.

*I'd appreciate your guidance on "upgrading" PP to enable guest access. And do I need to sign up for Admirals Club access?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

Tubpbs
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Re: May 2016 Garden Club/Cult

Postby Tubpbs » Mon May 09, 2016 4:14 pm

CarefulBuilder14 wrote:
Tubpbs wrote:???

Did you app?

What does your receipt comment mean?

I apped and was instantly approved for $8k.

I was reminded of how outrageous airport food prices can be, and how that multiplies with company. I'll be flying more than usual in the next 12 months. Between layovers and guest access, it seems hard to go wrong with adding Prestige now.

Using perks like that, I don't have to get great cpp value for the card to make sense for the next 12 months, so I decided added complexity wasn't much of a concern...for the first year, at least.

*I'd appreciate your guidance on "upgrading" PP to enable guest access. And do I need to sign up for Admirals Club access?


No sign up for Admiras club. You just need to show your ticket and the card. They check the ticket and swipe the card and you go in.

Surprisingly, comfort and avoiding crowds aside, the most appealing part of the lounges for me is the food also. You can get a real sandwich that isn't disgusting trash for like $7 instead of horrible shit for like $11 or $20 outside. It's also nice and quiet in there and the humans per square foot are obviously dramatically reduced. They also had free cookies in I think all the Admirals clubs I stopped in. Can't go wrong with a couple free chocolate chip cookies while waiting around the airport.

For the priority pass upgrade, I would wait and see what comes within a week or so of the account opening and go from there. I get the feeling even though you already have a membership, Citi will create it for you and or it will upgrade your membership automatically.

Congrats on the approval. Pretty reasonable starting limit.

That's two cards in 2 or 3 months with Citi right? What with the AA Platinum start at? 4K?
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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CarefulBuilder14
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Re: May 2016 Garden Club/Cult

Postby CarefulBuilder14 » Mon May 09, 2016 5:07 pm

Re: That's two cards in 2 or 3 months with Citi right? What with the AA Platinum start at? 4K?

AA Platinum $4.6k from mid-January, so just under 4 months. Brooks Bros is from 2014, originally issued by Synchrony.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

astronautcowboy
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Re: May 2016 Garden Club/Cult

Postby astronautcowboy » Mon May 09, 2016 6:02 pm

First full month gardening since applying for two cards last month. I was added as an AU on one of the two, but I assume it will at least have some affect on my credit. One was a Freedom Ultimate and the other a Freedom for my wife.

AMEX beckons but I still don't have a good answer for "Why?" (or "How/What?" for that matter) so I will hold off.

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Re: May 2016 Garden Club/Cult

Postby CarefulBuilder14 » Mon May 09, 2016 6:16 pm

astronautcowboy wrote:First full month gardening since applying for two cards last month. I was added as an AU on one of the two, but I assume it will at least have some affect on my credit. One was a Freedom Ultimate and the other a Freedom for my wife.

AMEX beckons but I still don't have a good answer for "Why?" (or "How/What?" for that matter) so I will hold off.

100k Platinum for 3k spend is back.

I'll pass, but I'm glad I'm still eligible for the future.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

Nixon
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Location: Great Southwest

Re: May 2016 Garden Club/Cult

Postby Nixon » Mon May 09, 2016 8:33 pm

CarefulBuilder14 wrote:
astronautcowboy wrote:First full month gardening since applying for two cards last month. I was added as an AU on one of the two, but I assume it will at least have some affect on my credit. One was a Freedom Ultimate and the other a Freedom for my wife.

AMEX beckons but I still don't have a good answer for "Why?" (or "How/What?" for that matter) so I will hold off.

100k Platinum for 3k spend is back.

I'll pass, but I'm glad I'm still eligible for the future.

Wife will be coming out of garden for this one. Now to find a good offer to pair it with.

:money:
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