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Shigeru

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Everything posted by Shigeru

  1. Here's the reward scheme for the CapOne Costco card in Canada. It's really awful, except for the 3% back on restaurants. http://www.costco.ca/capital-one-platinum-mastercard.html http://www.capitalone.ca/credit-cards/costco/ 3% on restaurant purchases 2% on gas purchases 0.5% on the first $3,000 you spend annually on all other purchases, and 1% after that Double cash back for first 3 months after activation. The Canadian TrueEarnings Amex cards turned into the 1.25% everywhere "Simply Cash" cards with a "welcome bonus" for the first 6 months of 5% cash back on eligible purchases in Canada at gas stations, grocery stores and restaurants for the first 6 months (up to $250 cash back). https://www.americanexpress.com/ca/en/content/compare-platinum.html#dialog1
  2. Quick question: I know you get asked for finances at the $25,000 credit limit mark from Amex. Is it AT 25k or ABOVE 25k (i.e., 25,001 or 25,100)? So, can you request exactly 25k as a limit without getting smacked with a financial review or request for income verification and the like?
  3. If you have difficulty finding an affordable way to keep your Macy's card active... The closest Macy's to me now has a Starbucks location inside of it. It has a full menu, including hot items, unlike the grocery store kiosks. You can reload your Starbucks Card and pay for the reload using your Macy's Card. In other words, you're buying gift card credit using your department store card. In addition, you can now turn around and use your Starbucks card there to earn Stars. Previously, you could not earn Stars inside department store locations, but this has been fixed. However, you cannot redeem rewards at these locations. Of course, you could also just buy coffee, tea, or a snack directly with your Macy's Card, but that's less rewarding...but it's tastier than the infamous bottle of water or godiva chocolate bar some use.
  4. So, what's the current state of requesting a CLI on a Macy's store card? Are they hard pulling, soft pulling, or it depends on the whimsy and abilities of who you talk to on the phone?
  5. Oh, I want this! Problem is, I also want the Fidelity Amex, and am leaning towards that as it can be used at Costco. Yes, I realize I could get both. The double hit to my AAOA won't be that fun though. If this had a signup bonus I would be all over it now, instead of waiting for my Arrival to get downgraded.
  6. Thanks for sharing this information, Ron! According to the Amex rep and what I've read online it's Chip and Signature.
  7. I've had that happen to me too. It's very rare indeed. Congrats on the CLI!
  8. I agree with jonson, two is enough. I recommend you only get a card from a favored store that you will shop at often, and whose use provides some type of reward (store gift certificates from Nordstrom, discount savings passes from Macy's, extra sales from Banana Republic, free shipping from Williams-Sonoma, etc).
  9. You can change categories every quarter (the categories are April-June). Higher-end fitness clubs or "signature" sports complexes can be very expensive (think: country club meets gym). Pay for as much as they'll allow at one time (assuming you're actually faithfully using the membership) and this could be a nice category. How often can you change the categories with this card?
  10. US Bank has added Gym/Fitness Centers as a category to their (not as awesome now) Cash+ card. Of course, this doesn't make up for the loss of the bill pay category for many people (or Hotels or Travel, for people who enjoyed those categories), but it's nice, especially if your gym's billing method lets you get cash back on pricier options like personal training or cross-fit and the like. Combined with the cell phone category, this makes a good sock drawer card loaded up with those auto-paid bills (though some still prefer the fast food/restaurants combo for 5% dining), as I don't imagine most people would shoot above the $2000/quarter reward cap unless they have some very pricey personal training at a high-end gym. Be wary of leased concessions (chiropractor, massage, spa, restaurant, juice bar, etc.) that might code their own transactions. I'm still mourning the loss of multiple $25 bonuses per year (one "$25 bonus for $100 cash back redeemed" Visa gift card per year is way too low), extra % back with package checking accounts, and uncapped rewards (though I can deal with the caps), but life moves on. Disclaimer: Purchases at recreational facilities that do not require membership, such as golf driving ranges, baseball batting cages and ski slopes, do not qualify. In addition, purchases made at fitness centers outside of your membership fee, like personal training or fitness classes, may not be included.² Posted Examples: 24 Hour Fitness® Club Fitness Gold's Gym® Snap Fitness Anderson HealthPlex Club Sport® Greenwood Athletic and Tennis Club TITLE Boxing Club Anytime Fitness® CorePower® Yoga LA Fitness® Vetta Sports Club Arena District Athletic Club CrossFit Las Vegas Athletic Clubs Vision Quest Sport and Fitness Aspen Athletic Club Crunch Fitness Life Time Fitness Wellbridge Axiom Fitness Dynamic Fitness Orangetheory® Fitness Xperience Fitness Bally Total Fitness Eagle Fitness Club OZ Fitness XSport® Fitness The Bar Method® Elite Sports Clubs Planet Fitness YMCA Club Beachbody® Equinox Prairie Life Fitness YWCA Club Bikram Yoga Fitness Fitness 19 Princeton Club ZUMBA® Fitness Blast Fitness Fitness Evolution PRO Sports Club California Fitness® Fitness Formula Clubs Pure Barre® Cincinnati Sports Club Five Seasons Family Sports Club Silverlake "The Family Place"
  11. Congrats! Chase is kind of known for their discreet, surprise CLIs. A tiny little message appears on your statement notifying you they increased your credit limit.
  12. I did, and I was. Approved instantly, but the amount was not satisfactory to me. Calling their front-line CSRs was a waste of time. I called their credit/underwriting department the next day through a magic number and was able to get the CL tripled without another hard pull. Before getting this card, I did not have a MasterCard network card, nor did I have a 0% foreign transaction fee card. The free TU FICO is also great, as US Bank's free Experian product is worthless (it has never, ever updated for me - EVER). I doubt I will use any of the World benefits, as I don't really use the Visa Signature ones (I usually rely on Amex for warranty extensions and the like), but they're nice to have. Same with the TripIt Pro if I ever choose to activate it. This should be nice to have as a "travel" card. Not sure if I am going to utilize the 0% APR for 12 months, or just keep PIF to build a nice relationship with Barclays. Or some combination thereof. I am definitely going to try and get the annual fee waived or downgrade it come next February though.
  13. $440 (40,000 "miles") off of travel expenses for only $1000 spend is really the best I can find for what I want. Looked at US Airways, but they seem to be the ONLY airline card that does NOT waive baggage fees (and the AA cards expressly note in fine print that their waiver perk doesn't work on US Airways flights)...and their flight abilitiy for mile redemption is awful too. So, yeah, not really worth burning an inquiry and reducing my AAOA for their card. The flyertalk forums give me lots of hope for a downgrade or fee waiver for this card though.
  14. A better offer than the 40k miles/points for $1k spend? The only other one I found online was an older targeted offer...
  15. I think I'll be applying for the Barclaycard Arrival MasterCard imminently. Trying to downgrade to the no-fee version or get an annual fee waiver after a year sounds like a good plan... Anyone have any experience, tips, or suggestions? I have not personally dealt with Barclay before... Thank you!
  16. Leaning towards taking the bait...now debating whether to open up their ClearPoints or Visa Signature at the same time (thinking it would be one consolidated pull, like most banks). There seems to be VERY little information on the "Build Your Own Rewards" bonus program to their 1 point per dollar reward system though. 4000 points for a $25 statement credit or Amazon credit is awful redemption compared to Chase, Amex, and US Bank though...
  17. It's baaaaack: http://www.bbvacompass.com/special/201401/kindle/ I am very tempted to try this out...anyone have any comments, suggestions, or thoughts? Any good or bad experiences beyond what's in this thread? Since they're going to do a hard pull anyways, would it be a good idea to also open a ClearPoints Visa or Visa Signature? I would want a sign-up bonus though...
  18. Here's Chase's "Select Department Stores" list from their FAQ: Top Select Department Stores: JCPenney® Kohl's® Macy's® NORDSTROM Sears® You'll earn 5% Cash Back at hundreds of other Select Department stores, including these: BASKINS® BEALLS BEITER'S BELK The Big Store bloomingdale's Bon-Ton®, including Bergner's® Boston Store® Carson's® Elder-Beerman® Herbergers® PARISIAN Younkers® Boscov's Bradley's burke's® Cayman's® Cee & Cee Department Store CHARLES christensen's CONWAY Cook Brothers Dillard's FLEMINGTON DEPARTMENT STORE Getz's® HUDSON'S JC'S 5 Star Jeffery JOE BRAND LOEHMANN'S Lord & Taylor Magic Mart MAX & JILL Neiman Marcus RAINS RH Renny Saks Fifth Ave and Off 5th SAM MOON STANLEY KORSHAK UHAN'S Department Store UNIWAY® VON MAUR® WEAVER'S STORE Select Department Stores Related Exclusions: Target® Walmart Membership Warehouses Electronics stores General Merchandise and Variety stores. Gift cards purchased at any locations other than the department stores on the inclusion list. Here's US Bank's "partial list" for their Cash+ Card: Bealls Dillard's Loehmanns.com Soma Intimates Belk® Dillards.com Macy's Tongass Trading Company Bergner's® Elder-Beerman® Macys.com Von Maur® Bergners.com® Elder-beerman.com Magic Mart Vonmaur.com® Bloomingdale's Getzs Nordstrom Weaver's Bloomingdales.com Herberger's® Nordstrom Rack Younkers® Bon-Ton® Herbergers.com® Off 5th Younkers.com® Boscov's JcPenney® Off5th.com Boscovs.com Jcpenney.com® Parisian's Boston Store® Kohl's® Ruddy Duck Bostonstore.com® Kohls.com® Saks Fifth Avenue Carson's® Larson's Department Store Saksfifthavenue.com Carsons.com® Loehmann's Sears®
  19. I am definitely not impressed. How can they push it as an affluent/private bank type card when it doesn't even offer any bonus earnings for travel/airlines/hotels? The first thing that I thought of was "Oh, it's the same base earnings as the (no-fee) Costco Amex, but Costco gives you 2% on travel. And then they're throwing a Chase-like little annual bonus thing in." And the Costco Amex is cash, not points. Such a paltry annual fee is kind of ridiculous too. It's small enough to be an insult, but not large enough to convey value (Amex, Sapphire Preferred, BCP). Lastly: Are their points 1 for 1, like Chase, or nerfed, like Citi's and PenFed's? WF reeeeeally wants me to open some of their cards from the amount of mail I get from them, but they really have no useful rewards (that last beyond six months).
  20. Definitely keep it. You already took the hit to your AAOA and from the inquiry. Macy's sends regular "use your card" coupons to cardholders, and you can almost always count on an extra 15-20% off your purchase (unless it's a full-price designer brand or a department like furniture or cosmetics).
  21. I'd appreciate any information on this too. I really don't want to burn an inquiry, but I really would like to raise my (relatively decent) limit. I haven't been softed by DSNB or any other Macy's related entity on EXP in a long time...
  22. Has anyonr else found success with this? I -really- do not want to chance a hard pull that could be better used towards a Chase CLI or new card.
  23. I've worked in a store that had Black Friday electronics specials. A lot of Black Friday items, especially televisions and appliances are: 1. Not floor-set until the store has closed the night before (as per corporate guidelines), and thus not purchasable. Items will not appear online until the sale starts. 2. Special purchases, which are different, sometimes stripped-down models with less options, that have a different manufacturer's model number and special store inventory/item number/SKU 3. Especially for high/low discounting stores like Kohl's - Sometimes have their "suggested" or "offering" price inflated to match the "normal" items, even though the doorbuster may be a lower-tier product/brand. In summary: You usually cannot purchase Black Friday doorbusters ahead of time because the store doesn't make them available to purchase. Their sole purpose is to drive people to "bust down the door", not to be sold for a profit before the event.

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