Happy April 1st

A place to discuss anything... except credit cards!
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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Apr 01, 2015 9:38 pm

popamode72 wrote:I thought his rants were funny and at least made the site a bit more interesting.


That's true.

Djrez4 should come back, too.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


luvbullmarkets
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Postby luvbullmarkets » Thu Apr 02, 2015 4:12 pm

Great to hear from you membersince99.

Don't be a stranger.
Amex EveryDay, Amex BCE , Barclaycard Arrival+ WEMC, CSP Visa Signature, Discover it, Wells Fargo Propel 365 Amex

"Attack this day with a level of enthusiasm unknown to mankind." - Jack Harbaugh

MemberSince99
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Postby MemberSince99 » Sat Apr 11, 2015 11:06 am

Ok in all seriousness, I figured I'd share with you what I've learned/done since I last posted here, just to hopefully help people, though I'm sure it will be a joke to others....


Anyway, I have not closed a single card. I am up to 14 of them. Never say never, but I don't have any I'm currently interested in getting. (In fact I have too many but that's probably true with a lot of us).


I have added a Barclay Arrival Plus. It's the World Elite version which is what I wanted. Limit is 7.5k, and I put a lot of spend on it to get the sign up bonus, and I haven't used it much since then. If I do some travel for work it will see some use.


I added a Citi Double Cash card. The limit is 6.6k. I just moved a balance from my flooring card (whose limit I'd like to transfer if possible to something else) to avoid getting hit with interest for my flooring. It has the 0% for 15 months. So I can comfortably pay that off and the flooring won't cost me interest.


I added a Discover card. That card has seen most of my spending lately. I don't really have a reason just that I like dealing with Discover. They gave me a starting limit of 5.5k, and when I went on to pay my bill just this morning, I thought I've had it since December I can ask for a CLI, so I went in, it was active, I filled in the questions, and they gave me 1k more. First time I've ever gotten a CLI from Discover. From what I can tell, what I've read of them liking to be your every day card and lots of swipes seems to be true from that - every other time I had asked them they declined me. Before I put big spend on it but not many swipes; this time it was moderate spend but lots of swipes. Seems they like lots of swipes/more activity more than big purchases.


When I saw that the Amazon card was now the Prime card if you have that membership and gives 5% back on Amazon, as much as I spend there, I had to have that. I got it with a 2.9k limit. I have been heavily using that and Discover with some Amex lately and that's been close to it. I requested a CLI when I first got it and it was declined because basically the account was too new.


On the subject of limits, I know I'd posted how I finally got a CLI on my Amex EDP from 2k to 6k. That was last June. In December I knew I could request again, so I requested from 6k to 18k, and it was approved. That is now my highest limit card.


I have had my FNBO Dodge MasterCard since August so I called last month to ask if there were any SP CLIs available to me on the card (first time I asked) and was told no, so I said ok that's cool thanks for checking. I haven't used it much lately and probably won't - I use it strictly for vehicle repairs at the dealer.


I experienced my first case of a stolen credit card about a month ago. I noticed a charge on the card I didn't make from Spotify, which I had no idea what that even was until I Googled it. I've only used the card (my Chase Freedom) at a couple of restaurants locally, so I'm guessing they stole my info there.
Again, I will say this is why you do NOT want 50 credit cards hanging out there if you are not using them just because as the Einsteins of credit over at the fad card of the month board say "it doesn't hurt anything to leave it open". I would beg to differ with that, and I speak from personal experience - if you do not catch it in a timely fashion and deal with it and get it removed, it WILL hurt you and you will get to fund some thief's online music listening pleasure along with whatever else they steal. It really annoys the living crap out of me when those idiots spout like it's gospel that leaving a bunch of unused credit cards laying around is totally harmless. Hopefully they never have to learn the truth the hard way. So I called Chase and notified them right away and got it removed and that card cancelled and a new account created. And this is why it's important to have more than one card - it took about a week to get the new card.


Other than that, it's about it. I just don't have enough that happens new with credit for it to make sense posting here much, and I frankly am not interested in posting just to entertain people with rants that become jokes, so I don't see myself posting often, but when there is something to say I'll say it; otherwise, hope you are all doing well in both your credit card journeys and life's journey.

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otter
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Postby otter » Sun Apr 12, 2015 8:06 am

I myself don't post as much as I used to. I think it's a good idea to not post dozens of times every day because then burnout sets in. Just check in from time to time, Member... believe it or not- most us here like and respect you.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

popamode72
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Postby popamode72 » Sun Apr 12, 2015 9:13 am

I've been wanting to post less here and on MF for those reasons. I get caught up in dumb fads too easily and don't think long term enough even though I've gotten many great cards before. It's been a pain so far but I have not had any new HPs since that whole Amex thing happened to me and hope to keep it that way for a while.

It would be nice for you to chime in occasionally when you think you can offer some kind of insight. I'm very happy for you and the progress you've made.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Apr 12, 2015 10:23 am

I had that same brush with fraud - a suspicious charge on a Chase Freedom after a waiter was alone with my card. The merchant in question was 100% fraudulent, so that may have made it easier to get things resolved.

I definitely don't need my BCE, but it's easy to review when I'm reviewing my PRG activity. I'm glad that my Synchrony (soon to be Citi) Brooks Bros is the store-only card and not the MC, so the opportunity for fraud is more limited.

I can handle 7 cards. If I got an Arrival+ and 8 was too much of a hassle, it would be BCE that went, without a doubt.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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otter
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Location: Grand Forks, ND

Postby otter » Sun Apr 12, 2015 12:26 pm

CarefulBuilder14 wrote:I can handle 7 cards. If I got an Arrival+ and 8 was too much of a hassle, it would be BCE that went, without a doubt.


Honestly, other than backdating (assuming I'm grandfathered in and they don't "unbackdate" my cards) I find very little compelling reasons to be an Amex cardholder. I don't think any of their cards excite me, least of all the two "Everyday" cards they came out with last year. I'm seriously considering moving some money around so I can short AXP because I don't think they're anywhere near bottom.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

Gamma
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Postby Gamma » Sun Apr 12, 2015 1:20 pm

popamode72 wrote:I've been wanting to post less here and on MF for those reasons. I get caught up in dumb fads too easily and don't think long term enough even though I've gotten many great cards before. It's been a pain so far but I have not had any new HPs since that whole Amex thing happened to me and hope to keep it that way for a while.

It would be nice for you to chime in occasionally when you think you can offer some kind of insight. I'm very happy for you and the progress you've made.

What Amex thing?

otter wrote:Honestly, other than backdating (assuming I'm grandfathered in and they don't "unbackdate" my cards) I find very little compelling reasons to be an Amex cardholder. I don't think any of their cards excite me, least of all the two "Everyday" cards they came out with last year. I'm seriously considering moving some money around so I can short AXP because I don't think they're anywhere near bottom.

Their purchase protection and extended warranty should be reason enough, especially since your BCE has no annual fee. All claims I've filed with Amex have been approved for purchases of $100-$250 with minimal effort.

popamode72
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Postby popamode72 » Sun Apr 12, 2015 1:26 pm

otter wrote:Honestly, other than backdating (assuming I'm grandfathered in and they don't "unbackdate" my cards) I find very little compelling reasons to be an Amex cardholder. I don't think any of their cards excite me, least of all the two "Everyday" cards they came out with last year. I'm seriously considering moving some money around so I can short AXP because I don't think they're anywhere near bottom.


I've honestly never had to use their purchase protection before so that already rules out Amex for me. Lack of acceptance is another issue I've ran into problems with, especially when it came to paying my mom's license plate renewal, the place I went would not accept Amex at all and I had to use my Ritz Carlton instead. Mediocre rewards on a lot of their cards is the third reason I wouldn't want them again in my wallet. My CSP/Freedom combo blows away most of the stuff they had, though their 50k MR point offer on PRG was pretty comparable.

Sure, decent limits and all and backdating (if it even still exists now) was good too but there was also that kind of micromanaging aspect to having Amex cards where I'd have to ask chat for permission to buy something so I wouldn't get FRed. I feel that it was more of a hassle for me to have their stuff and I want reliable cards that work. Discover and my Chase cards fit the bill well and even Barclays has become easier to use since I don't get any fraud alerts on that card anymore.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

popamode72
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Postby popamode72 » Sun Apr 12, 2015 1:33 pm

Gamma wrote:What Amex thing?


Their purchase protection and extended warranty should be reason enough, especially since your BCE has no annual fee. All claims I've filed with Amex have been approved for purchases of $100-$250 with minimal effort.


CLD on two accounts, then after calling them, full suspension of all of my accounts and FR so I closed them all.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)



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