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That escalated. Usually that one gets em every time!
Maybe you need to go full Captain Spaulding and threaten their whole family?
i may have to go liam neeson in taken on them and give them this speech:
"I don't know who you are. I don't know what you want. If you are looking for me to pay full price for the United Club Card I can tell you I don't have money, but what I do have are a very particular set of skills. Skills I have acquired over a very long career. Skills that make me a nightmare for people like you. If you let my daughter go now that'll be the end of it. I will not look for you, I will not pursue you, but if you don't, I will look for you, I will find you and I will kill you."
—Liam Neeson, Taken
i thought for sure i was going to at least get a discount but they wouldnt budge. i even complained that they took away the main lounge and made it into a fancy polaris lounge. i even made a funny joke about how they made it for super fancy people not just regular fancy people like me.
I have 12 cards, my credit score is around 820. Half of those accounts I don't even use, some for years, they are there to inflate my available credit. When your credit is a couple hundred thousand, a $20k monthly charge is only 10% utilization. If I do cancel a fee card for churning, I just have them transfer that credit onto another card.
Yeah that’s about like me. I have a number of cards that once had a clear purpose but were then replaced by better cards. I use 4 cards primarily but only carry 3. That’s Citi’s double cash card, Capital One Savor for restaurants (4% back, a must), and US Bank Cash Plus for backup as well as 5% on cell phones and movies. The Amazon card is the only one I don’t carry as I only use it on Amazon. I have a bunch more random cards in my drawer that don’t get regular use.
Yeah that’s about like me. I have a number of cards that once had a clear purpose but were then replaced by better cards. I use 4 cards primarily but only carry 3. That’s Citi’s double cash card, Capital One Savor for restaurants (4% back, a must), and US Bank Cash Plus for backup as well as 5% on cell phones and movies. The Amazon card is the only one I don’t carry as I only use it on Amazon. I have a bunch more random cards in my drawer that don’t get regular use.
That's the missing one -- I'm actually looking into that now. I like both the Amex Platinum and the Sapphire Reserve, they both seem very good for different reasons. I know everyone is saying the Sapphire Reserve, but it seems like that's better on a dollar-for-dollar fee basis, but not better overall. I like that Amex has the Hilton and Marriott perks, that's big for me, and I like the Centurion Lounge access living in Las Vegas, where there's a good lounge from what I understand. I like the 5x points on airfare booked through Amex or the airlines, too, that sounds great. Some of the perks on the Sapphire are irrelevant -- nobody should care about 3x points on dining when the Savor card is either 3 or 4% cash back, which is more valuable than points -- but I do like the lower annual fee and the $300 credit against travel, so you're effectively at $150 annual fee if you travel at all versus $550 for the Platinum where you really have to use it to get the value out of it, but the Uber credit per month is valuable and I'd use that every month. I have zero interest in ever driving to the Strip even living in Vegas, I'd rather take an Uber and not deal with that craziness when I want to go out for the night.
Yeah that’s about like me. I have a number of cards that once had a clear purpose but were then replaced by better cards. I use 4 cards primarily but only carry 3. That’s Citi’s double cash card, Capital One Savor for restaurants (4% back, a must), and US Bank Cash Plus for backup as well as 5% on cell phones and movies. The Amazon card is the only one I don’t carry as I only use it on Amazon. I have a bunch more random cards in my drawer that don’t get regular use.
I have Citi Prestige for 5x on Restaurants and Airfare. I also carry my Amazon Prime card around since you can get 5% back at Whole Foods.
I have Citi Prestige for 5x on Restaurants and Airfare. I also carry my Amazon Prime card around since you can get 5% back at Whole Foods.
Ok, good to know, so consider Prestige too. What do you think about an airline specific card like an Alaska card? It wouldn't work for everything but it'd work for most of our travel probably.
One of my best friends just told me since I posted that he has the Sapphire Reserve card and has had great customer service (despite what people have said online, hmm) and he hasn't had issues using his points, either. So he recommended that but said the Amex option is good too. I'm torn haha.
Have Whole Foods prices gotten better? I heard they were making price cuts and coming more into line of other nicer grocery stores, still more than the cheap ones, but more reasonable, is that true? I love my Amazon card, hadn't even considered using it for groceries at Whole Foods, but that's pretty smart. I just wasn't sure if the prices were outrageous still.
That's the missing one -- I'm actually looking into that now. I like both the Amex Platinum and the Sapphire Reserve, they both seem very good for different reasons. I know everyone is saying the Sapphire Reserve, but it seems like that's better on a dollar-for-dollar fee basis, but not better overall. I like that Amex has the Hilton and Marriott perks, that's big for me, and I like the Centurion Lounge access living in Las Vegas, where there's a good lounge from what I understand. I like the 5x points on airfare booked through Amex or the airlines, too, that sounds great. Some of the perks on the Sapphire are irrelevant -- nobody should care about 3x points on dining when the Savor card is either 3 or 4% cash back, which is more valuable than points -- but I do like the lower annual fee and the $300 credit against travel, so you're effectively at $150 annual fee if you travel at all versus $550 for the Platinum where you really have to use it to get the value out of it, but the Uber credit per month is valuable and I'd use that every month. I have zero interest in ever driving to the Strip even living in Vegas, I'd rather take an Uber and not deal with that craziness when I want to go out for the night.
The Amex platinum is worth it to me just for the Centurion lounge at my home airport. Some of the additional benefits that work for me. 200.00 airline credit(you have to pick a specific airline) it covers check bagged fees, inflight purchases, flight change fees, some airlines it covers gift card purchase and seat upgrades. The 15.00 a month Uber credit(35.00 in the month of December) comes in useful and can be used on Uber eats 200.00 a year but expires monthly so you do have to pay attention. Saks fifth avenue credit 50.00 in the first half of the year, 50.00 in the second half. 100.00 a year back on Saks purchase, it could be 15.00 purchase and you get a statement credit for 15.00 or for purchases of 50.00 or more you’d get a 50.00 credit. I also get Hilton Honors and Bonvoy gold status which helps with some of the things you mentioned with hotels. Hertz gold is also nice so you can book a compact car and most often upgrade at time of pickup at no cost. They also do monthly offers that you manually have to add to the card which are bonuses either in extra points or statement credits for certain purchases. No foreign transaction fees but not nearly as widely accepted. Fine hotels and resorts is often good too, min 100.00 stay credit, usually breakfast for two daily, free Wifi, room upgrade and early checkin/late check out. 5x points when booking airfare directly with airlines and I believe 5x when booking travel on Amex website. Priority Pass but sooo not supporting the priority Pass restaurants. Extended warranty and purchase protection. If you lose or break something you bought on the plat Amex within the first 90 or 120 days they will give you your money back
Sapphire reserve - 3x points on travel and dinner, min 1.5 cents per point value when redeeming for travel through chases site. I find the ultimate rewards platform the easiest to manage and if you have other chase ur cards you can combine the points to your sapphire reserve card as it is the only one that guarantees the 1.5cents per point on chase travel redemption. Chase’s platform is the most powerful when you combine multiple cards in Their platform and consolidate to the CSR. 300.00 travel reimbursement annually and works for anything that codes as travel, usually everything you’d normally think of plus a lot of parking, toll tags, Uber etc. Priority Pass including restaurants - priority Pass lounges don’t tend the be top tier unless you are out of the US but there are restaurants where they pick up 28.00 per person at certain restaurants usually limited to two guest. Trip interruption / delay protection when paying with the card. Chase has cards offers too but they tend to be capped at much lower dollar amounts than Amex
Ok, good to know, so consider Prestige too. What do you think about an airline specific card like an Alaska card? It wouldn't work for everything but it'd work for most of our travel probably.
Have Whole Foods prices gotten better? I heard they were making price cuts and coming more into line of other nicer grocery stores, still more than the cheap ones, but more reasonable, is that true? I love my Amazon card, hadn't even considered using it for groceries at Whole Foods, but that's pretty smart. I just wasn't sure if the prices were outrageous still.
I have two Delta Amex cards. They aren't great for spend, but they're great for the annual companion ticket (which we use every year for RT LAX-JFK tickets) and for the elite mileage boost to ensure that I make at least Platinum Medallion every year. I put the minimum needed to hit the mileage boosts and then I put the cards away for the rest of the year.
If you don't regularly travel premium domestic routes with a companion, or you don't care about medallion status, then I wouldn't bother.
Finally got around to opening the Capital One Savor card, but unfortunately they dropped the bonus to $300. Still "free" money so I can't really complain. I did everything online and was instantly approved. Card showed up about 5 days later and had to call in to activate is as they were showing a fraud alert for some reason. Opening the card dinged my credit score -2 points according to their TransUnion credit wise portal. Since I'm now at 823, I'm not too worried
With the new card I have 72,400 credit limit spread among all my cards. My utilization is very low, typically charging 1000-1500 a month and paying it all off at the next billing cycle.
I'm considering getting rid of an old card that I've had since 2009. I don't typically use it and it only has a 7400 credit limit. It's not my oldest card so I don't think it'll affect my credit score much but maybe I'll wait a month or two to let my score "recover".
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