cali99boy

had a Starwood AMEX at 18 or 19 amongst other "prime" cards. Never understood how people get into debt. Just because you have that big credit limit doesn't mean "shopping spree" lol

I received a 3.99% for life on a Chase Visa Also received a 2.99% for life on my SPG AMEX

I have a Chase Platinum card. Not sure if it was easy, though its one of my oldest cards

YOU HAVE NO CLUE DO YOU??? CASH ADVANCES RARELY UNDER 19.99% ADD TO THAT A FEE OF UP TO 4% ADDED IN (NO MAX FEE) INTEREST FROM DAY ONE YOU HAVE ANY PURCHASES ON THE CARD...THEY NOW ARE CHARGED INTEREST TOO YOU MAKE A $50 PAYMENT IT GOES TO THE LOWEST APR FIRST (not the CASH ADVANCE unless it is the only item on the bill) AND FINALLY MANY BANKS PUT UP THE RED FLAG WHEN YOU DO A CASH ADVANCE Even though they usually make a TON of money on them...they don't really like them AND A BT IS NOT A CASH ADVANCE Well said, George. I think you guys both missed what I said. I wanted to do a Cash Advance AND a BT For example: Discovercard - Take a $5,000 Cash Advance from Discover (I know there is a 21.9% APR+ or whatever) Chase - BT that $5,000 to this card for 2.99% for life of the loan I would not use my Chase card anymore, strictly sockdrawered. I do not care about the 3% balance transfer fee up to $75(yes this is stated on the terms) Am I really the one without a clue? Dont talk down to me. Even though I appreciate your assistance, your lack for tactfulness and astringent elocution is not.

is taking a cash advance really that bad? I just take a cash advance for whatever amount I need than BT that to a 3.9% or lower BT offer which effectively netted me a 3.9%(or lower) loan. I do it whenever I need cash. I dont see any problems with this and always got a cashadvance/loan for lower than the purchase APR anyways Chase is offering me a 3.9% BT for life of the loan. Was thinking about pulling out a Cash Advance and BTing a card over to it. Anyone see a problem with this?

other airlines with 1:1 when redeeming for the big travel package: Participating Airlines: Air Canada, Alaska Airlines, American Airlines, British Airways, Continental Airlines, Delta Air Lines, Frontier Airlines, Mexicana, Northwest, United Air Lines, US Airways, Varig Brasil Other airlines that you can redeem for but it WONT be 1:1 Participating Airlines: Air China, Air France/KLM, Alitalia, ANA, Asiana Airlines, Cathay Pacific, China Southern, Emirates, LAN, Qantas, Singapore Airlines, SN Brussels Airlines, TAP Air Portugal, Southwest

the conversion for Marriott points to AA miles is 1:1 when booking with one of the big travel packages (235K-250K points) considering the fact that, for instance a 7 night award redemption at a Cat 5 hotel = 115,000 + you get 120,000 AA miles. 235K Marriott Point Award Cost Basis -------------------------------------------- 115,000 Points for the 7 nights (Cat 5) 120,000 Points for 120,000 AA Miles -- 1:1 Also, Marriott offers at times, additional 25% bonus of AA miles during redemption.

235K for 7 nights at a cat 5? I remember cashing in 100K Hilton Honors points for 6 nights at a top tier HILTON in Europe. I have about 75K Marriott points and can never find any place to use them. do you stay at Marriott a lot? If not, you might be better off with a good cashback card. you're forgetting about the 120,000 miles at a number of airlines. I'm doing it specifically for AA. That is good enough for a 1st class ticket to pretty much anywhere in the world. That 1st class ticket probably cost more than the 7 nights at a top Hilton. You can also get 7 nights at a top tier Marriott for roughly 120-130K as well but the most bang for your buck is definitely the travel packages. Specifically for AA, you can convert the 120,000 AA miles to 240,000 Hilton HHonors points, which means you can redeem your 6 nights at HH 100K award twice. Also I want the 120K AA miles to run through my AAdvantage membership for the lifetime Gold/Platinum status. I'm thinking about making Marriott my preferred chain of hotels because of the awards and the opportunity to achieve lifetime elite status with them. I'm also currently with Hilton HHonors and I rack up free nights pretty often but I wanted a program good for free nights + airline miles. Cashback never really did anything for me. For instance, $1000 w/ 5% cashback CC = $50. Or $1000 spent at Hilton or Marriot = 2 free nights worth ~$100-200 = $200-400, so I actually get more back in value. Toopooor: Thanks. I felt an inch and just applied online. Got the 30 days notice thing. Hopefully it'll go through. I guess I'll call if I get denied. We'll see

thanks you two. exactly the info i was looking for. Do you think it makes a difference if I've been a Chase customer (got their Chase Platinum Visa) for the past 5 years? I always pay on time with double or triple the minimum, and no baddies whatsoever. I think my ficos are in the mid 600s. Guess Im a little worried since I've been having trouble getting approved for the "Visa Signature" line of credit. They always downgraded me to the Platinum or Platinum Plus grades. This would be my 7th and last card.. I was hoping it'd be my lucky number 7

i think your app went through and its telling you to clear your cache for your own protection

only got 1. The Citibank Premier Pass Elite. Thinking about converting it to something else cause its quite useless to me

I think it is, considering you can get a free Cat 4 night or 2 Cat 2 nights with it during PointSavers. Or 2 Cat 1 nights, or a Cat 3 night for standard rewards. Though I'm saving up for the big 235K points redemption for 7 nights at a Cat 5 and 120K miles with American Airlines.

"Marriott and Chase have added a "Premier VISA Signature Card" to the "Marriott Rewards" program. Under the new "Premier VISA Signature" program, cardholders earn five points for every dollar spent at Marriott, two points for every dollar spent on qualified dining, airline and rental car card purchases, and one point for all other card purchases. "Premier" cardholders also receive 15,000 bonus points after their first card purchase; a free night certificate; 15 nights toward "Elite" status every year; plus other status benefits. For information about Marriott Rewards visit http://www.MarriottRewards.com" Its a new Marriott Rewards card that have been getting a lot of spotlight on some travel boards. I really like the 5 point per $ at Marriott and the automatic Silver Elite status w/ 15 nights given every year. Anyone have this card? How hard is it to acquire this? There is a $65 annual free btw

dont anyone else feel weird about having their kids being born and raised by someone else? technically, they are the donor's and the guy's kids afterall

Probably Platinum, Clear and Blue. hmmm i thought Clear and Blue were one of the easier ones.. Not sure about the annual fee for platinum thanks