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pronto

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  1. So if I understand this correctly... My anniversary is in July. I didn’t use my current year $250 resort credit yet. So does that mean I can use $250 towards restaurants now in June, then get a new $250 resort credit when my anniversary hits in July?
  2. I believe all gas stations in my region already have chip readers. No old school gas stations as far as I’ve seen. Now I’m delighted that they are also rolling out mobile pay at the pumps. Actually, because I like mobile pay so much, I switched my gas station loyalty to the operators who only support mobile pay at the pump. In my region, that is 76.
  3. I know, an oxymoron. However, in terms of privacy.... are there any differences between Amex, Discover, MC, and Visa? Is one better than the other?
  4. Does Citi want to get rid of the Diamond Preferred? I have it and been getting so many offers to PC it. I’m still holding onto it. Don’t use it as it’s one of my sock drawer cards, but I like the design. 😄 That said, I’ve been hitting the luv button every now and then. I think my original CL was $6K and is now $13K. It’s been slower than molasses, maybe because of my low usage. That’s over a 10 year period. Gotten similar increases with US Bank and BoA in just a year.
  5. Special benefits this summer to include bonus points at grocery stores, use of weekend night on weekdays, and $250 towards restaurant purchases..... copy/paste from the email: 1. 12X Hilton Honors Bonus Points at U.S. Supermarkets You will earn 9 additional points on top of the 3 points you already earn (for a total of 12 points) from American Express for each dollar of eligible purchases charged on your Hilton Honors American Express Aspire Card at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets) starting from May 1, 2020 through July 31, 2020 (“Purchase Period”). Purchases may fall outside of the Purchase Period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, person-to-person payments, the purchase or reloading of prepaid cards, and purchases of other cash equivalents. Additional terms and restrictions apply. Points received from your Card will be posted to your Hilton Honors member account up to 12 weeks after the end of each month. To be eligible to receive points, Card Member's account must not be cancelled or in default at the time of bonus fulfillment. Offer ends July 31, 2020. American Express reserves the right to modify or revoke offer at any time. Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. 2. Free Weekend Night Reward Expanded to Weekdays Unexpired Free Weekend Night rewards as of May 1, 2020 and new Free Weekend Night Rewards issued until December 31, 2020 on the Hilton Honors American Express Aspire Card can now be used any night of the week (not just on weekends). New Free Weekend Night Rewards issued from May 1 through December 31, 2020 will be valid for 24 months (rather than 12 months) from the date of issuance. Free Weekend Night Rewards must be redeemed on or before the expiration date. The Free Weekend Night Reward can be redeemed for one standard accommodation, double occupancy, subject to availability, at properties in the Hilton portfolio, excluding those listed at HiltonHonors.com/freenightreward. To redeem the Free Weekend Night Reward, Card Members must call 1-800-446-6677 and mention the code provided by Hilton Honors. A Free Night Reward will be forfeited if not redeemed on or before the expiration date. You can also check your Hilton Honors account for the status of any Free Weekend Night Rewards issued to you (including the expiration date) by calling 1-800-446-6677. This Reward is not transferable and may not be redeemed for cash or Hilton Honors Points. A Free Weekend Night Reward may be combined with other Hilton or Free Weekend Night promotions in market and may be added to existing paid or Reward stays. A Free Weekend Night Reward includes all applicable resort fees and taxes on the cost of the room for the redeemed night. The Card Member is responsible for all incidental charges. Free Weekend Night Reward redemptions may be cancelled pursuant to the Free Weekend Night Reward cancellation policy on the Hilton Honors Program website (HiltonHonors.com). Free Weekend Night Rewards are subject to Hilton Terms and Conditions; see HiltonHonors.com for full certificate terms and conditions. 3. $250 Hilton Resort Credit During each year of your Card Membership ("reward year"), you are eligible to receive up to $250 total in statement credits on your Card Account for eligible purchases made directly with participating Hilton Resorts with your Hilton Honors American Express Aspire Card during that reward year. Your first reward year begins on your account opening date. Each subsequent reward year begins on the anniversary of your account opening date. Eligible Hilton Resort purchases must be made directly with the participating Hilton Resort and charged to your Hilton Honors American Express Aspire Card account for the benefit to apply. Advance Purchase Rates/Non-Refundable Rates are not eligible for the resort credit. Incidental charges (including charges made at restaurants, spas, and other establishments within the hotel property) must be charged to your room and paid for with your Hilton Honors American Express Aspire Card at checkout in order for them to be recognized as Hilton Resort purchases. Visit hilton.com/resorts for the list of participating Hilton Resorts. Purchases made by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of $250 per renewal year in statement credits across all Cards on the Card Account. Please allow 8-12 weeks after the eligible Hilton purchase is charged to your Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of your Card if statement credits have not posted after 12 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. Note that statement credit(s) received during the reward year may be reversed if the eligible purchase is returned/cancelled, or if you engage in abuse or misuse in connection with the benefit (for example, if you do not maintain an eligible Card Account for the duration of the reward year). $250 Hilton Resort Statement Credit: Effective June 1, 2020 – August 31, 2020 From June 1, 2020 through August 31, 2020 (“Purchase Period”), purchases made at restaurants located in the U.S. on your Hilton Honors American Express Aspire Card qualify toward the total amount of statement credits you can receive as part of the $250 Hilton Resort Statement Credit benefit. This offer is only available for the Purchase Period. American Express reserves the right to modify or revoke offer at any time. You may not get a statement credit for purchases at a restaurant located within another establishment (e.g. a restaurant located inside a hotel, casino, or event venue). For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant. You will not earn statement credits for purchases at bars, nightclubs, cafeterias, and convenience stores. This offer is only available for the Purchase Period. American Express reserves the right to modify or revoke offer at any time. Purchases may fall outside of the Purchase Period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases are purchases for goods and services minus returns and other credits. Merchants are assigned codes based on what they primarily sell. A purchase will not be eligible if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not be eligible. A purchase may not be eligible if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. 4. Earning Base Points toward Elite Qualification and Lifetime Diamond Status The Bonus Points earned from eligible purchases on your Hilton Honors American Express Surpass(r) Card that post to your Hilton Honors account between May 1, 2020 through December 31, 2020 (“Promotion Period”) will be considered Base Points. Base Points count toward Elite tier qualification in the calendar year 2020 and Lifetime Diamond Status. There is no limit to the number of Bonus Points that will be counted as Base Points during the Promotion Period.
  6. Has any of your credit card limits been reduced since the COVID-19 outbreak? If so, which creditor and how much of your CL was cut?
  7. https://www.cnbc.com/2020/04/23/card-issuers-are-cutting-credit-limits-without-warning.html
  8. I started by asking two of my creditors... - Barclay responded by saying they don’t lower APRs. - Amex responded that I should check back again after I’ve made the 1 year mark. No matter what the response is, I always feel like Amex pays closer attention to each individual. Their responses are not as cookie cutter as others.
  9. Have hope! I was blacklisted with Amex in 2005 (settled a bad $16K debt for $9K) but was approved for a new card 11 years later, and am now in great standing.
  10. I’m reconsidering what I said earlier in this thread. Now I’m thinking I might let the Altitude Reserve card go. I usually recover $325 of the $400 AF with a rental car. However, I have no such plans this year and trying to chase the AF might not be worth it. I have more use of my other high AF travel card - Amex Hilton Aspire.
  11. Finally a decent answer. I thought about this too, that it might send the wrong signals. A refreshing response amidst all the very obvious “APR doesn’t matter if you use the card correctly” responses.
  12. It’s a pet peeve of mine. I want as low rate as possible. But also comforting for should I not “using card correctly.”
  13. Ok so I have all the cards I want and just planning to stay idle for a while. I have really good credit lines. However, I want to lower the APR on the ones that I do have and I’m thinking that now might be the time. I don’t care if they do a HP because as I said, I’m not planning to apply for new credit in a few years. so these are the lenders I want to request lower APR from: Barclay Hawaiian (0% util) Capital One Quiksilver (0% util) Chase Amazon (5% util) US Bank Altitude (10% util) I’m not a good talker and need advice on how to approach this. My employment is solid so it’s not like I would start maxing them out.
  14. I have postponed and canceled some travel. I have two high $ AF travel cards and it crossed my mind to cancel one of them. However, the optimist in me is saying that this will eventually pass and both cards will go back to being useful and rewarding. I’m holding off with canceling any cards for now, but if the shit hits the fan, I might.
  15. I have ok but not great scores. I just applied for a US Bank card and got a $19K CL. That’s the highest initial CL I’ve ever got.

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