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Everything posted by PhoenixDown

  1. I pretty much have the cards I want to keep after Sync closed my Banana Republic account for nonuse. The only thing I look at periodically are my travel specific cards to see if they are still wortht he annual fees. For my Marriot and AA card I believe it is.
  2. Does your son have the same name as his dad? Could be dad's tradeline that is showing up incorrectly.
  3. I applied, and was approved for, Apple Card with a 10k limit.
  4. I have to agree with this. I have a friend who earns like 1/3 of what I do yet has more free money and significant savings and investments all from better budgeting. Goes to the heart of its not how much you make, it how much of it you spend.
  5. The biggest issue with any third party site or agency is that when things go south, you are left in limbo. If JPM can do a better job of making things right on the spot when something goes south, then by all means I'm game -- esp with extra points on the table for using my CSR!
  6. Its pretty common in the NYC area to hand over your card and maybe ID if you are going to keep a tab going at a bar. That said I have never had that happen at a resturant and would definitely not oblige.
  7. I never donate via GoFundMe. I don't agree with how they operate by a double standard depending on the political orientation of the intended cause. If anything I will donate directly to nonprofits that support good causes.
  8. That's been my experience too. I had to move limits around. I'm doubly concerned because I also have my mortgage through them.
  9. When I was starting out, I applied for amex then followed the rules for CLI's... quickly got to 25k and Chase matched it and then some that when I applied for the Sapphire Preferred.
  10. It helps to change your statement date so they are all the same. Mine are usually around the 15th of the month with my mortgage on the 1st. As PotO recommended, I will sometimes go into every other week and make payments. I am less concerned (right now) about utilziation, its more about ensure I pay it on time.
  11. I co-signed for my sisters Discover card (stupid, I know) and she missed a payment back in 2018. When I found out, I immediately called Discover, paid the balance off and closed the account. While this isn't exactly hurting me (FICO is 760's) I would like to get this off my report if I can. Anyone have any success with forgiveness letters? (In my defense, reason # 483 why people hate discover, I couldn't have online access at the same time as my sister. It led to all sorts of issues which is why it ended up 30 days late).
  12. In addition to what HDPorter said, you can book the flight on one card (Chase Sapphire Preferred for example) and still get the priority boarding and (I believe) the free checked bags. I prefer UR points over the miles but the AA card has its perks and keeps my miles from expiring.
  13. Citi AA Card: New Credit Limit: $13,780 Prior Credit Limit: $12,780
  14. Chase - 30k / 46k total across cards Amex - 32k / 43k total across cards
  15. I have been very fortunate in that Amex actually increased my CL (above 25k to 32k) without my requesting it and they didn't chase me down when I eventually paid it in full.
  16. Room was filthy with a ton of dust. Bathtub/shower didn't drain at all. Rude and condencending front desk team. Room decour was from the 70's.... which would have been fine if there wasn't dust from the 70's caked in. Mattress and pillows had more lumps that I can even describe. I would have preferred to go and sleep in my car. There's probably more I thankfully don't remember as it was several years ago. When I talked about it with friends, a lot of them shared their own horror stories. Simply not worth it when there are so many better options out there.
  17. I truly hate Choice hotels, simply the absolute worst experience I have ever had at a hotel. I don't stay at Raddison's often but the ones I stayed at were decent. That's pretty much off the table now.
  18. Woah, thats huge! I know the insta-cart prices are marked up some but I may have to explore that.
  19. More a question of curiousity but appreciate the thoughts.
  20. So a curious question came up — how are you splitting costs when using points for a portion of the redemption? for example: If a hotel is $400 per night or 20k points, do you say the other person owes $200 or do you use the value of the points like 20k / 2 x 1.5 ccp or something like that?
  21. Thanks everyone. I had both cards but I guess they implemented this rule after I signed up.
  22. They’ll know in a week when they get the letter
  23. Someone I know was denied for the CSP card. They are under 5/24 and have excellent credit, no debt, everything I wish I had! Could it be that they were denied because they have the CSR? I believe that's over four years old now.
  24. Chase gave me an auto-CLI a few times when I maxed out the card.
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