Gave it some thought

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djrez4
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Postby djrez4 » Wed Nov 06, 2013 9:12 pm

Gamma wrote:Do you do that with your other Chase cards too? I thought about doing that, but I would assume they just transfer you to the appropriate department (oversees csr)


I always call CSP service. Once in a blue moon, they transfer me. But, they've been able to answer Freedom-specific questions. I haven't tried asking them Ink questions.
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MemberSince99
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Postby MemberSince99 » Thu Nov 07, 2013 7:03 am

djrez4 wrote:I like my Amex revolvers, but when I call Amex customer service, I call the Platinum line. So, no real basis for comparison there.

After 13 months on the BCP, you could transfer the limit to the BSP and then convert to a BCE. It would double your limit on the card. You may also be able to get a CLI by then. My first 3x was declined for lack of history with Amex. My second, six months later, was approved instantly. My third - just now - also approved instantly.

For the CSP, I received an auto-CLI. I asked for a soft-pull CLI in March and was offered a hard-pull instead. I declined and then went to Europe and spent $2500 or so on hotels and restaurants. After I paid it off and the next statement cycle ended, Chase decided to up my limit by $3000. Essentially, I showed them that I was the type of customer they wanted for the CSP.

If they were willing to give you a $5000 limit up front, I bet they'll be willing to let is grow. You've had the thing for six months. Give them some time to warm up to you.


You may be the type of customer they want, but I'm not in the same category you have to remember. I know a lot of you guys make big bucks here and that's great, but I'm not in that club. Hell the cable company just jacked my bill up by 20 a month (again!) and I'm going to call and see if I can get a deal and if not, cut more from it. This is kind of off topic but I remember back when they de-regulated it, all the right wingers were howling their usual litany of lies about how all the competition was going to drive prices down to nothing and we consumers were going to get a huge boon here. Every time they say that without exception a working class guy like me takes it up the butt, so I was skeptical to say the least. And guess what? No one is going to come into an area where one company already has a monopoly on service, and install their own cabelling at a massive amount of money to try to compete, when the original company will just drop prices and wait them out then raise the prices sky high again after the competition goes under. Think about it.

Anyway, I don't have that kind of money to spend, my pay has been static for essentially 5 years now, and shows NO sign of going up (and in this economy I'm lucky to have a job at all. I was told at job interviews basically I'm MASSIVELY overpaid as it is) but prices and taxes and health care keeps going up and up and up. I don't like to think about the future because I don't like what I see. Further I really don't see an answer staying within the system.

But my point is, I'm not THAT sort of customer for them. I'm not even true Amex material.

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djrez4
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Postby djrez4 » Thu Nov 07, 2013 10:44 am

You mistake high income for high spend. I still call my cable company every six months or so and tell them I'm leaving for Dish if they don't give me a promo. Every time I eat, I feel like I'm eating the money I spent on the meal. (That may not be psychologically healthy, now that I think about it.) I work on creating passive income streams to supplement my 9-5 salary. I collect points and miles so I can take my wife on vacations without spending money on them. That $2500 on hotels and food in Europe would have been three to four times that if I had paid cash for the entire trip.

Ben Franklin said, "a penny saved is twopence dear." (Misquoted as a penny saved is a penny earned.) Warren Buffet is the modern embodiment of that philosophy. They guy could be chauffeured around in a Maybach, but chooses to drive himself in a Cadillac.

You're in the type of industry in which you can remotely freelance for anyone, anywhere. Why not start a side gig for some extra cash? You have plenty of opinions on things - start a blog and put some Google ads on it. Write an e-book on Member's Zen-method of Credit Card Control and sell it on Amazon. Read some of Ramit Sethi's blog posts. He's enlightening. Or take a gander at Get Rich Slowly.
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MemberSince99
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Postby MemberSince99 » Thu Nov 07, 2013 12:43 pm

With credit card advice, I don't feel like I'm an expert, but I am happy to do my best to help others if I can for free. I mean we have to give something back to others and if it's something we can help with I think that's a great and positive thing. I can't imagine charging.

But yeah you are right, as far as IT. Honestly I saw a posting for a part time gig, but the problem is it's in the same industry, basically a competitor most likely though we may also do business with them too (it's funny how that happens but it does, sometimes your competitors are your partners for certain jobs). So I'm probably in a moral grey area if I were to contact them for that, though one could argue if my company does business with them why can't I, from a moral perspective. From an employment perspective, they could can me but they could at any time for any reason or no reason at all regardless. So if I did that it would be wise to make sure my current employer doesn't learn of it, and that I take nothing directly from here. Heck even the APPEARANCE I took anything from here could result in a lawsuit.

But I could approach it the way you suggested.

To be honest I'm not nuts at all about my job in fact I really don't like it. Only reason I'm still here - the economy sucks making it difficult to move on unless I'm willing to take about half what I get now (which would be nuts, and living on that would be a struggle).

So yeah I need to think outside the box and get other things lined up hopefully something with a future that I enjoy unlike the current job. I like the people but very little else about it. It's on me to fix that.



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