June 2016 Garden Club/Cult

For just about anything you want to get off your chest about credit cards.
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TXviking
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Re: June 2016 Garden Club/Cult

Postby TXviking » Tue Jun 28, 2016 7:15 pm

kdm31091 wrote:Joining Costco just for the credit card is kind of stupid IMO. Paying the Costco fee for a cash back card just seems like overkill if you don't actually shop there.


I would agree. But if you DO shop there, the benefits are great even when you use the card elsewhere. I'm loving 4% on gas in particular.


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Vattené
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Re: June 2016 Garden Club/Cult

Postby Vattené » Wed Jun 29, 2016 3:31 pm

My wife got a BofA BBR approval yesterday. I'm not even going to be an AU - plan to just use it for Netflix and SD the physical card, so there's no use having another card with the potential for fraud.

I don't travel with enough frequency to regularly churn or bonus chase travel cards and points systems, so this will be a small way to earn good rewards for very little spend, and not just based on a percentage of spending in cash back return. I'm technically in the garden since April, but depending on the CRA the most inquiries I have is two so it's not for fear of adding anything.


CarefulBuilder14 wrote:Given the number of people on MF joining Costco just to get the card, I'm tempted to buy some COST shares, reasoning that their profits will rise from new members...but I know the MF people are the tiny minority.

Maybe you could short Costco before they start rage-closing cards en masse and refusing to ever shop at Costco again, resulting in its inevitable demise. You think they're important enough people to cause Citi to go under? :ppp
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

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CarefulBuilder14
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Re: June 2016 Garden Club/Cult

Postby CarefulBuilder14 » Thu Jun 30, 2016 7:36 pm

Got a targeted offer for Chase United Explorer: 50k for $3k.

I could use the bonus and perks, but I think it's subject to 5/24.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

Tubpbs
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Re: June 2016 Garden Club/Cult

Postby Tubpbs » Thu Jun 30, 2016 7:54 pm

CarefulBuilder14 wrote:Got a targeted offer for Chase United Explorer: 50k for $3k.

I could use the bonus and perks, but I think it's subject to 5/24.


I have gotten that offer several times from them over the last few weeks.

How did you receive it? Via email from your account?
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: June 2016 Garden Club/Cult

Postby CarefulBuilder14 » Thu Jun 30, 2016 8:00 pm

Tubpbs wrote:
CarefulBuilder14 wrote:Got a targeted offer for Chase United Explorer: 50k for $3k.

I could use the bonus and perks, but I think it's subject to 5/24.


I have gotten that offer several times from them over the last few weeks.

How did you receive it? Via email from your account?

Snail mail.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

Tubpbs
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Joined: Mon Oct 19, 2015 2:08 pm

Re: June 2016 Garden Club/Cult

Postby Tubpbs » Thu Jun 30, 2016 8:19 pm

Oh. I don't get those from United. That's interesting.

I get a shit load of emails from United (I've gotten the 50K offer from them several times).

I get the snail mail from American Airlines pretty regularly for 50K.

No one else really sends regular mail except them. And First National Bank of Omaha with their Amex offer with no credit line.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

saba
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Re: June 2016 Garden Club/Cult

Postby saba » Sat Aug 06, 2016 12:55 pm

I don't get anything from United or American.



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