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moneypyts

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  1. Hi All, I haven't posted here for a while, checking in with a question: * 70K in credit card debt, $500K limit. Most at balance transfer rates of 3%, some at 5% and 7%) (recent unsolicited CLIs from US Bank, Chase, Citi, FNBO. So I think I'm doing something right) (But I haven't been able to get new credit cards for the last 2 years because of high balances). * FICOs from Discover/Bank of America at 790. No inquiries on any bureau for the last 2 years. * 3 properties - 1) rental, needs new roof but otherwise in good shape, mortgage currently at $60K, value about $14
  2. Hi All, My house needs a $10,000 sewer line replacement. At the same time, I'd like to add a basement bathroom. Total cost about $20,000. I'd like to do it in October, it is a good time for both me and my tenant. I usually have the income to pay for this out of pocket, but have taken an income hit during the pandemic. The basics: * FICO 08 credit score 783. * I have $500,000 in personal credit card credit lines. * I'm using $52,000 in personal credit card credit, all in low interest balance transfers. Has been a stable number for 9 months, and has fluctuat
  3. I just migrated to the new app. It rejected my password on the first try, said I'd tried logging on too many times. After 30 minutes on"live chat" I was able to reset my password. (It recognized my old password, so I'm not sure why it was so fussy before). First time I've used the card in 9 months. It's hard to pay the bill. You need to click on one of two different "account details" buttons to do it. I agree that the user interface and customer service is much worse than credit unions. I'm surprised that anyone at all actually uses their products... MP
  4. Another $500. 3rd $500 increase in 18 months. $46000. This time I got the "we're reviewing your request" screen. The previous 40 attempts either delivered or denied instantly.
  5. Hege and Mec -- thanks for the replies. I should get a Chase Biz card in there, too. Maybe the 75,000 United offer will still be available. If so, I'll shoot for that one first in July when I clear 4/24. I'll look into Navy qualification. Turds? It's a couple hundred free $. For the Flex Perks, etc. Amtrak is about $800 in travel with the 30,000 points offer. Which ones would you suggest instead? I like $, I like airfare and travel reimbursements. I don't do hotels, so unless there's a good transfer rate to airlines, they're not useful for me. Credit scores ~790
  6. I'll be at 4/24 in July and 3/24 in August. 2/24 in October. I've been declined a few times in the last 15 months for things like the Bank of America travel card, US Bank FlexPerks, WF Propel, and a C1 Venture, possibly on account of churning, or on account of high balances (paid down now). I wasn't planning to wait until I was 4/24 before getting back in the application sequence, but since I'm now so close I figure I might as well do it and pick up a CSP first, then a United or Southwest a month later, for $1400 value in travel, before moving on to the others. I haven't seen mu
  7. Has anyone seen data points on getting the signup bonus a second time with the Altitude card? I got the card in June 2017, closed it in June 2018, even though they offered a nice retention package. I've Googled around a bit, looked at Doc of Credit, Flyertalk, MyFICO, and here on CB and haven't found any clear datapoints. One poster noted that the terms and conditions seem to say you can only get the signup bonus once, but I seem to recall reading you could get the signup bonus 2x on other cards, like FlexPerks VISA. Just curious TIA MP
  8. Now Im on my app, away from my computer. No sign of a pay credit card option on the app. Am I missing something, or is this just another example of HSBC using world class service in an ironic way...
  9. I went around the world, flights on points, last fall. FWIW. Not that hard. Lots of fun. Just take your time and see things along the way with 2 weeks youd learn about how airport security differs from country to country, and how surly the taxi drivers are, but thats about it. Details are posted in the travel redemption stories thread, but it ran like this: Seattle, WA => Almaty, KZ on United, 42,500 points. Almaty => Sofia, Bulgaria on surface transport (train, bicycle, ferry). (About $1200 for 5000 kilometers travel and 50 nights lodging) Sofia => Vancouver BC o
  10. Hi All, Does anyone actually enjoy any of the customer service interfaces with HSBC? Just curious. I spent 10 minutes clicking through the options on the website and the iPhone app trying to pay my bill, and still couldn't figure it out. Finally, I figured out that once you're in the credit card activity summary, you click "details", then "make payment". It's pretty circuitous. Overall, after being a customer for 4 months, their customer service is pretty horrific. They have bizarre restrictions on passwords, a different password for web browsers and device apps,
  11. JaN You want to make sure you dont look anything like this https://creditboards.com/forums/index.php?showtopic=611178 50% is fine. 95%, even though Chase says you can do it, will still make Chase nervous. MP
  12. You maybe able to Product Change (PC) the ArrivalPlus to a different card when the fee comes due. Barclays has a couple options for this a few years ago, in 2014 I was able to PC my ArrivalPlus to an Arrival. Give them a call 2 months before the annual fee, or do a google search for PC ArrivalPlus 2019 and see what the options are in spring 2019. MP
  13. Congrats! And, as always, make sure you dont buy anything you cant pay for! MP
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