Desperately Need a New CC for Travel/Teaching Abroad

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kcm7
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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby kcm7 » Fri Jul 07, 2017 9:28 am

mountaindewvoltage wrote:
You guys have really opened up my eyes to that card. IHG has Staybridge Suites which seems to be a property I like since I have one down the road from me, and the prices aren't that bad either... Includes free breakfast buffet has a fridge and stove in the room, etc., unlike the crappy Hilton I stayed in which didn't have any of that, was more expensive, and looked like a motel. Additionally the annual fee is pretty low and it's waived the first year.


Well if you've been thinking of applying, the public 80k offer is once again available.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG


mountaindewvoltage
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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby mountaindewvoltage » Fri Jul 07, 2017 12:02 pm

kcm7 wrote:
mountaindewvoltage wrote:
You guys have really opened up my eyes to that card. IHG has Staybridge Suites which seems to be a property I like since I have one down the road from me, and the prices aren't that bad either... Includes free breakfast buffet has a fridge and stove in the room, etc., unlike the crappy Hilton I stayed in which didn't have any of that, was more expensive, and looked like a motel. Additionally the annual fee is pretty low and it's waived the first year.


Well if you've been thinking of applying, the public 80k offer is once again available.


Chase said too many new accounts recently so I didn't get approved. At least I have a Hyatt and Amazon card which are both more valuable in the first year anyways, at least with my spending patterns.

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CarefulBuilder14
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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby CarefulBuilder14 » Fri Jul 07, 2017 1:02 pm

mountaindewvoltage wrote:
kcm7 wrote:
mountaindewvoltage wrote:
You guys have really opened up my eyes to that card. IHG has Staybridge Suites which seems to be a property I like since I have one down the road from me, and the prices aren't that bad either... Includes free breakfast buffet has a fridge and stove in the room, etc., unlike the crappy Hilton I stayed in which didn't have any of that, was more expensive, and looked like a motel. Additionally the annual fee is pretty low and it's waived the first year.


Well if you've been thinking of applying, the public 80k offer is once again available.


Chase said too many new accounts recently so I didn't get approved. At least I have a Hyatt and Amazon card which are both more valuable in the first year anyways, at least with my spending patterns.

At least as of earlier this year, 5/24 still didn't affect the card. So you don't necessarily need to get below 5/24 before you reapply.

*There's also some offer floating around that gives 10x (simply for using the card, separate from non-Chase points earned in the program) for spend at IHG for the first year. It might be possible to get 60k + the 10x and then offer match to add 20k for 80k + 10x.
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

mountaindewvoltage
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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby mountaindewvoltage » Fri Jul 07, 2017 1:44 pm

I'll give it until April of next year (after my vacation and using my Hyatt nights) and then I'll reapply.

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CarefulBuilder14
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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby CarefulBuilder14 » Fri Jul 07, 2017 2:11 pm

mountaindewvoltage wrote:I'll give it until April of next year (after my vacation and using my Hyatt nights) and then I'll reapply.

So what's your off-category, no-perk-needed card?

Starwood? Hyatt? Amazon?
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

mountaindewvoltage
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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby mountaindewvoltage » Fri Jul 07, 2017 4:04 pm

CarefulBuilder14 wrote:
mountaindewvoltage wrote:I'll give it until April of next year (after my vacation and using my Hyatt nights) and then I'll reapply.

So what's your off-category, no-perk-needed card?

Starwood? Hyatt? Amazon?


The Starwood kinda hit the dust once I got the 25,000 point bonus. I really don't feel the need to invest into the card anymore because of Marrishits' takeover of them, so quite honestly the Hyatt card will temporarily take over for it, and then eventually I'll move all non-category spend to my USAA Limitless if I can keep the 2.5% cash back going, or just use my debit card since my non-category of spend is so little of my personal spending.

Amazon, gas, groceries, and restaurants make up 98% of my spending. The other 2% is bills and purchases at department stores like J.C Penney, or airline ticket purchases.

6% back with AMEX Blue Cash Preferred at grocery stores
5% back on Amazon with Chase card.
3% back at gas stations with BCP.
3% back at department stores with BCP.
2% back (in reality 6% with points value) on Hyatt card.
2.5% back on all other non-category spending (without using debit card).

I mean those are just cash back cards. I have two Citi ThankYou cards (AT&T and Premier) but Citi pisses me off all the time where it went from #1 in the wallet to back of the wallet and never used. Sometimes I just want to punch their customer service reps in the face through the phone somehow.

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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby TXviking » Sun Jul 09, 2017 4:35 pm

There's a reason I call the Shittibank. :beat:

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CarefulBuilder14
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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby CarefulBuilder14 » Sun Jul 09, 2017 5:49 pm

mountaindewvoltage wrote:6% back with AMEX Blue Cash Preferred at grocery stores
5% back on Amazon with Chase card.
3% back at gas stations with BCP.
3% back at department stores with BCP.
2% back (in reality 6% with points value) on Hyatt card.
2.5% back on all other non-category spending (without using debit card).

I mean those are just cash back cards. I have two Citi ThankYou cards (AT&T and Premier) but Citi pisses me off all the time where it went from #1 in the wallet to back of the wallet and never used. Sometimes I just want to punch their customer service reps in the face through the phone somehow.

If you think you can do that well with Hyatt points (3 cpp), then why bother with a 2.5% card?
TXviking wrote:There's a reason I call the Shittibank. :beat:

Totally. Best to avoid the front-line CSRs when possible and reach the specialist CSRs directly.
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

mountaindewvoltage
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Posts: 383
Joined: Mon Oct 10, 2016 8:40 pm

Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby mountaindewvoltage » Mon Jul 10, 2017 7:37 pm

CarefulBuilder14 wrote:
mountaindewvoltage wrote:6% back with AMEX Blue Cash Preferred at grocery stores
5% back on Amazon with Chase card.
3% back at gas stations with BCP.
3% back at department stores with BCP.
2% back (in reality 6% with points value) on Hyatt card.
2.5% back on all other non-category spending (without using debit card).

I mean those are just cash back cards. I have two Citi ThankYou cards (AT&T and Premier) but Citi pisses me off all the time where it went from #1 in the wallet to back of the wallet and never used. Sometimes I just want to punch their customer service reps in the face through the phone somehow.

If you think you can do that well with Hyatt points (3 cpp), then why bother with a 2.5% card?
TXviking wrote:There's a reason I call the Shittibank. :beat:

Totally. Best to avoid the front-line CSRs when possible and reach the specialist CSRs directly.


I had the 2.5% back card before I had the Hyatt card.

mountaindewvoltage
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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby mountaindewvoltage » Mon Jul 10, 2017 7:40 pm

TXviking wrote:There's a reason I call the Shittibank. :beat:


When you have a stupid ass like Michael Corbat running the company, good things will never happen.

I suggest they fire their goofy CEO, re-contract their customer service in the U.S, and actually train them to act with some decency and like they have a clue. How can a customer service rep/fraud department rep sit there with a straight face and tell me I can't use my own phone number to verify myself, but I can use someone elses? Fucking moron.



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