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Phantik

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About Phantik

  • Rank
    CU-Breaker
  • Birthday March 18
  1. A letter from WF telling me they had closed my $1000 CC for "lack of use in the last 6 months" Its been sock drawered for the last two years after they wouldn't give me a CLI. I won't be able to sleep tonight
  2. Phantik

    Amex PRG

    If I call to PC to EDP will I bonus still apply or should I just churn the BCP and apply for EDP in 90 days?
  3. Phantik

    Amex PRG

    I see what you guys are saying and I appreciate the advise. I guess I will wait and see if I can get enough use of the PRG to justify the AF. It I do end up keeping it after the first year I will have to look at getting the ED or EDP. I guess I really didn't think it through before applying. Amex newbie
  4. Phantik

    Amex PRG

    BCP will be our go to card for grocery stores The PRG was purely for the 50k. I will cancel after the 1st year. I read somewhere that the $100 airline credit is on a calendar year basis and if that is the case I plan to get $200 out of it before I cancel So are you just going to use the 50K MRs for statement credit? Honestly I'm not sure what we'll be using 100k points for but it won't be for statement credit. I'll definitely do some research on how to get the most value.
  5. Phantik

    Amex PRG

    BCP will be our go to card for grocery stores The PRG was purely for the 50k. I will cancel after the 1st year. I read somewhere that the $100 airline credit is on a calendar year basis and if that is the case I plan to get $200 out of it before I cancel
  6. Phantik

    Amex PRG

    I went ahead and applied myself for the PRG today. Approved Went for the BCP and instant approval as well but only 2k. I should mention both my DW and myself used the VPN incognito mode to get the 50k points BCP was $450 bonus It seems that BK is ok with Amex after 5 years. thanks
  7. Phantik

    Amex PRG

    Our (DW and myself) BK7 is 5 years old from filing last month. I've read of some getting an Amex after 5 years. I didn't want to put a ding on my CR so I had my DW apply for the PRG. Approved. Tried to go for the BCP and got the 14 day. Oh well, at least one of us is in.
  8. Did you check out the Centurion Lounge in MEX? Don't have an Amex. 5 years into my BK7. I don't think they'll give me one for another 5 more.
  9. It comes with an annual fee that somehow keeps getting credited back to my account for the 2nd year. ( I hope no one at Diners reads Creditboards) I had to call last week to activate my new card (old one expires next month) and throughout the conversation I was afraid she would tell me that they mistakenly credited the annual fee back to my account. For a card with a decent credit limit that gives 3 points at grocery stores and has a very small (lol) annual fee, offers primary auto rental coverage, and a few other perks, I don't get why anyone wouldn't want this card. I take a trip down to Mexico city 2 times a year and its my go to card for almost everything. On this last trip last week I discovered an really nice perk, its actually available to anyone with a World Elite Mastercard credit card. Elite Lounge Mastercard at the Mexico city Airport. It is no Centurion lounge but it beats waiting for an hour at your gate. Complemetary food and drinks, plenty of TV's and good service. It was an hr well spent.
  10. Phantik

    Citi Costco

    Riverside
  11. was your BK Filed or discharged in December?
  12. Phantik

    AMEX

    Got it. Thanks Kat
  13. Phantik

    AMEX

    Are the offer from the pre selector "pre approved" or just invites to apply? This is what I got when I punched my info into the pre selector: Hello, (name) We have found the following exclusive Card offers for you.These offers are only available here. We invite you to apply for one today. Gold Delta SkyMiles®Credit Card Learn MoreApply Now Blue Cash Preferred®Card from American Express Learn MoreApply Now Platinum Card® from American Express Learn MoreApply Now WELCOME OFFER Earn 50,000 Bonus Miles Earn 50,000 bonus miles after you use your new Card to make $1,000 in purchases within the first 3 months† and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.††Offer Terms Earn $250 backafter you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $250 back in the form of a statement credit.††Offer Terms 100,000 Membership Rewards®Points Receive 100,000 Membership Rewards®points after you use your new Card to make $3,000 in purchases in your first 3 months.††Offer Terms ANNUAL FEE $0 introductory annual fee for the first year, then $95.† †Offer TermsRates and Fees $95 ($75 if your application is received by 8/3/16)Rates and Fees $450Rates and Fees PAYMENT & APR APRAPR on purchases will be a variable rate, currently 15.49% to 19.49%, based on your creditworthiness and other factors.Rates and Fees APR0% intro APR on purchases and balance transfers for 15 months. After that, your APR will be a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.Rates and Fees No Interest ChargesNo interest charges because you pay your balance in full each month. ‡‡Benefit Terms EARNING REWARDS Earn 2 milesper dollar spent on purchases made directly with Delta.‡Earn 1 milefor every eligible dollar you spend on purchases.‡ 6% Cash Backat US supermarkets up to $6,000 per year in purchases (then 1%).3% Cash Backat US gas stations and select U.S. department stores.1% Cash Backon other purchases.Terms and limitations apply.‡Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. Earn 1X Membership Rewards®pointsfor every eligible dollar you spend.‡Earn 2X Membership Rewards®pointson each dollar of eligible purchases made when you book using a Membership Rewards program-enrolled American Express Card on the American Express Travel website.‡ USING REWARDS Miles towards:Book flights with Delta and SkyMiles®partnersUpgrade to First Class or Business Elite® (subject to availability) ‡Purchase hotel stays, car rentals, and merchandise‡Donate to charities ‡‡Benefit Terms Reward Dollars for:MerchandiseGift CardsStatement credits‡‡Benefit Terms Membership Rewards® points for:Merchandise‡Gift Cards‡Transfer points to our selection of frequent traveler programs.‡Online at American Express Travel‡Dining, shopping, and entertainment‡‡Benefit Terms TRAVEL WITH MORE CONFIDENCE Roadside Assistance Hotline‡Read More Car Rental Loss & Damage Insurance♦Read More Travel Accident Insurance♦Read More Discounted Delta Sky Club® Access‡Read More Priority Boarding‡Read More Roadside Assistance Hotline‡Read More Car Rental Loss & Damage Insurance♦Read More Travel Accident Insurance♦Read More Premium Roadside Assistance‡Read More Car Rental Loss & Damage Insurance♦Read More Travel Accident Insurance♦Read More Baggage Insurance Plan♦Read More Airport Lounge Access Program‡Read More International Airline Program‡Read More
  14. Received a letter from SEARS (citi) that they would be converting my SEARS card to a Visa Sears card. 3 day later I received the same letter for my Best Buy card. Citi declined me last year due to BK. It is now 4yrs 1 month since the BK. Is 4 yrs their magic number? I've been in the garden for 8 months now and have 16 more before I consider applying for anything more. Just curious as to Citi's recent generosity.

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