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woppinger

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  1. I bought it on Expedia, checking the statement it looks like it was actually bought from Virgin Atlantic.
  2. I have an Amex Gold card with $100 credit for incidental fees charged by one airline. I have an upcoming flight to London - first leg within the US is with Delta, second leg to London is with Virgin Atlantic "operated by Delta", with the reverse on the way home. I assume if I pick Delta for my airline, I will be able to get bag check fees ($60 on the way out, and $40 of $60 on the way back) reimbursed? Just want to make sure the the VA flights technically would count as Delta flights for this purpose.
  3. Just applied, approved for $5500...currently also have BCE (10K), ED (10K), and PRG.
  4. OK, she received the rejection letter today - reason stated is "you have reached the maximum number and type of Cards that we will approve within the period of a few months." Thoughts on how to proceed from here? Again, she currently has 3 cards and was responding to an offer sent to her for the Delta Gold (which she has had in the past.) Call the number in the letter (1-866-929-5162) or write or ??
  5. My gf has 3 Amex cards - PRG, ED, and BCE and an 815 FICO per Amex...she recently got a targeted mailer for a 60K mile SUB for a Delta Gold card (which she's had before), called and confirmed she was eligible for the the SUB, but her app was rejected. My guess (?) is because a couple of months ago she missed one Amex payment and paid a few days late...just a dumb oversight on her part, and she didn't have Autopay turned on. Any strategy for how to pursue a recon? Wait for the rejection letter and then - write? call? email? Whom? TIA!
  6. As far as I can tell I don't think there's anything specifically about that on there - she's going to the number to apply and ask them to confirm.
  7. Is there a way to tell if it's "targeted"? (FWIW the mailer appears to have been sent from Delta rather than Amex, and has her name and skymiles number and points her to delta.com/gold60k to apply.) I've tried reading the terms, but there's so much verbiage in there along the lines of "if we determine you are not eligible...you are not eligible"
  8. My gf just got an offer in the mail for a 60K signup bonus for an Amex Delta Gold card - she's had the card in the past (I think she got a 30K bonus then) so wouldn't be eligible, correct? If not, why did they send her the offer - off a different marketing list or something?
  9. You had a "grace period" - the ~25 days from when your statement closed until your payment was due. https://www.capitalone.com/credit-cards/blog/grace-period/
  10. I don't think so https://www.treasury.gov/resource-center/faqs/Currency/Pages/legal-tender.aspx
  11. The last baddies falling off had a large effect for me..took me about 2 years from when I actively started "rebuilding" with a couple of secured cards to go from the low 600s to the high 600s, once the last baddies fell off I climbed quickly to the mid 700s.
  12. Thanks Kat58, but I did not see my questions ("does that mean you must pay the annual fee at least once (after a year)? Or can you safely cancel in the 13th month and keep the signup bonus without paying the fee?") addressed in that thread. Either of you others have a helpful response?
  13. Many Amex cards which come with sign-up bonuses and an annual fee that is waived for the first year have terms which state: "If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer...for example....if you cancel or downgrade your account within 12 months after acquiring it...we may not credit the welcome bonus...freeze the welcome bonus...take away the welcome bonus...cancel this Card account and other Card accounts", etc. Say you want the bonus but don't intend to keep the card long term - does that mean you must pay the annual fee at least once (after a year)? Or can you safely cancel in the 13th month and keep the signup bonus without paying the fee? Or ?? Thanks in advance!

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