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Forum » Official MISC Credit Card Thread (Advice, Churning, Referrals, Offers)
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Thread: Official MISC Credit Card Thread (Advice, Churning, Referrals, Offers)

post 1568335801 12-10-2018, 10:45 PM
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#61
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Originally Posted By CTSV648HP⏩
I have Amex Platinum and it's good for me. I travel a lot. I use almost all the benefits. I book a good amount of full fare first class travel on the amex website and get a chit ton of points (5x points when you book there). Got enough points just this year to book first class for me and the wife to Japan and back for free. That's over $10k worth at least.

Free entry to the lounges, especially the centurion lounges is really nice.
Seems like Chase Sapphire is the Mjornir/Ultimate Mjornir of travel credit cards.

AMEX Platinum appears to be the Stormbreaker of travel credit cards right now. Feeling like this when I whip it out.



I just need to determine if I will use all of the features with it.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568336211 12-10-2018, 10:55 PM
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#62
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I work for one of the big three credit bureausCan't go to a family gathering without relatives asking me credit questions.
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post 1568336511 12-10-2018, 11:04 PM
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Originally Posted By sword_⏩
I should have very favorable approval odds for both. I was looking at the benefits with Uber and the $200 credit. Pretty awesome.
Brah let me hit you up with a referral link!

Check your DMs
The above post is 100% false
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post 1568336731 12-10-2018, 11:09 PM
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#64
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Innnnnn I have a great Bank of America credit card that has sent me all over Florida for free.
post 1568360621 12-11-2018, 09:23 AM
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#65
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Originally Posted By USAPump⏩
Brah let me hit you up with a referral link!

Check your DMs
Thanks for the link. I will post people's referral codes if 1) it is allowed and 2) if you want me to.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568363181 12-11-2018, 09:54 AM
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#66
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Originally Posted By sword_⏩
Seems like Chase Sapphire is the Mjornir/Ultimate Mjornir of travel credit cards.

AMEX Platinum appears to be the Stormbreaker of travel credit cards right now. Feeling like this when I whip it out.



I just need to determine if I will use all of the features with it.
p much nailed it.

Amex is a slightly higher fee, few better benefits, and a few things that the Chase Reserve beats it on, but nothing really significant.

comparing your two weapons, it's like the stormbreaker is obviously the more OG weapon. But Mjolnir can still be thrown around at will unomsaiyan?

If you have one, you don't really need the other. But if you're choosing between, the Amex is the better card

Not sure if anyone caught it earlier, but Chase Sapphire Reserve currently has no referral bonus or anything. So just go ahead and sign up if you want that one.
"So t
post 1568363511 12-11-2018, 09:57 AM
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#67
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Originally Posted By Zackad⏩
p much nailed it.

Amex is a slightly higher fee, few better benefits, and a few things that the Chase Reserve beats it on, but nothing really significant.

comparing your two weapons, it's like the stormbreaker is obviously the more OG weapon. But Mjolnir can still be thrown around at will unomsaiyan?

If you have one, you don't really need the other. But if you're choosing between, the Amex is the better card

Not sure if anyone caught it earlier, but Chase Sapphire Reserve currently has no referral bonus or anything. So just go ahead and sign up if you want that one.
Thing is I have to decide if I will use all of the benefits of the AMEX Platinum. I'm sure there are some benefits of the preferred I'm not using right now. Maybe I will be satisfied if I get more referrals for my Preferred before going to another card.

Segue into another topic: do you guys have any tips on increasing your credit limit with certain cards? I have had my Chase cards a little under three years now. My Freedom has had a lot of increases. More recently I was asked about my income. No changes in my credit limit at the moment through Chase but I'd like it eventually. Really to help with my credit utilization.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

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post 1568363601 12-11-2018, 09:59 AM
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#68
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In. Been churning cards for nearly a decade now. I still have a Chase checking account from when you could earn bonus miles with that

In my wallet currently:
Chase Sapphire Reserve
Chase Ink Business Preferred
Chase Freedom
Citi Platinum Select AA
Hilton Honors Amex

Referral codes for anyone that wants to use them. Of course, I will always use referral codes from this thread when available. Feel free to share Sword

PM me for:

Chase Ink Business Preferred

Citi Platinum Select AAdvantage
Training log: http://forum.obnoxiousbrutes.com/showthread.php?t=165829701
post 1568363771 12-11-2018, 10:00 AM
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#69
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Good info OP...

For those looking to open Chase cards please check my referrals.

https://www.reddit.com/user/eXistenc...eferral_links/
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post 1568364001 12-11-2018, 10:02 AM
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Tfw only have the chase trifecta
post 1568364261 12-11-2018, 10:04 AM
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#71
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Originally Posted By arn710⏩
In. Been churning cards for nearly a decade now. I still have a Chase checking account from when you could earn bonus miles with that

In my wallet currently:
Chase Sapphire Reserve
Chase Ink Business Preferred
Chase Freedom
Citi Platinum Select AA
Hilton Honors Amex

Referral codes for anyone that wants to use them. Of course, I will always use referral codes from this thread when available. Feel free to share Sword

PM me for:

Chase Ink Business Preferred

Citi Platinum Select AAdvantage
Originally Posted By eXistenceLies⏩
Good info OP...

For those looking to open Chase cards please check my referrals.

https://www.reddit.com/user/eXistenc...eferral_links/
Originally Posted By tyn89⏩
Tfw only have the chase trifecta
Sweet thanks guys! Will update.

How often have you guys gotten a credit limit increase with Chase? I've heard they are far and few.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568364471 12-11-2018, 10:07 AM
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#72
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Originally Posted By sword_⏩
Sweet thanks guys! Will update.

How often have you guys gotten a credit limit increase with Chase? I've heard they are far and few.
They actually aromatically increase my limit for the Reserve every year since I opened it. It's sitting at 25k limit now
post 1568364601 12-11-2018, 10:09 AM
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#73
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Originally Posted By tyn89⏩
They actually aromatically increase my limit for the Reserve every year since I opened it. It's sitting at 25k limit now
My Preferred is at 18k right now but that's what I opened with.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568364741 12-11-2018, 10:10 AM
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#74
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Originally Posted By sword_⏩
Sweet thanks guys! Will update.

How often have you guys gotten a credit limit increase with Chase? I've heard they are far and few.
I really don't care about increase limits, but out of my chase cards they are...

Chase Ink Business Preferred - $9,000
Chase Freedom - $11,000
Chase Freedom Unlimited - $10,000
Chase Sapphire Preferred - $18,600
Chase Amazon - $9,500

I am a churner. So I don't care about my score right now. Was 799 before opening Chase Ink. I open up cards for the Bonuses.
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post 1568364821 12-11-2018, 10:11 AM
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#75
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Have the chase unlimited freedom from way back, is it worth it to get the Sapphire ,Reserve or Ink ? I do not travel that often and rarely spend more than $500 on my cards. My current daily is Discover IT since they been so good to me reversing shiity charges , been good with the extended warranties and their customer service is US based
post 1568365331 12-11-2018, 10:17 AM
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#76
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Originally Posted By SydneyJunkie⏩
citibank double cash card. all u need to know

dont have time to look at catorgories seasons and bullchit. swipe n go
Truth. The only other card I might consider for day to day is the AMEX Blue Cash Preferred. 6% on groceries up to 6K per year, 3% on gas and 1% everything else.
There is simply no other exercise, and certainly no machine, that produces the level of central nervous system activity, improved balance and coordination, skeletal loading and bone density, muscular stimulation and growth, connective tissue stress and strength, psychological demand and toughness, and overall systemic conditioning as the correctly performed full squat.
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post 1568365691 12-11-2018, 10:22 AM
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#77
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Post deleted by user
post 1568366021 12-11-2018, 10:24 AM
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#78
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Originally Posted By sword_⏩
Thing is I have to decide if I will use all of the benefits of the AMEX Platinum. I'm sure there are some benefits of the preferred I'm not using right now. Maybe I will be satisfied if I get more referrals for my Preferred before going to another card.
I would get the Hilton Aspire if you're going for Platinum level

You automatically get Diamond level Hilton status, 150k points and a free weekend stay.

I bet I've gotten $300 out of my Amex Hilton just out of executive lounge access
Originally Posted By sword_⏩
How often have you guys gotten a credit limit increase with Chase? I've heard they are far and few.
Every card I have opened in recent years has a limit in the $30k range. I've never even thought to ask for an increase
Training log: http://forum.obnoxiousbrutes.com/showthread.php?t=165829701
post 1568367451 12-11-2018, 10:45 AM
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#79
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Originally Posted By arn710⏩
I would get the Hilton Aspire if you're going for Platinum level

You automatically get Diamond level Hilton status, 150k points and a free weekend stay.

I bet I've gotten $300 out of my Amex Hilton just out of executive lounge access



Every card I have opened in recent years has a limit in the $30k range. I've never even thought to ask for an increase
Are you on that CEO 10k/day time?
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1568368081 12-11-2018, 10:50 AM
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#80
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Originally Posted By sword_⏩
Are you on that CEO 10k/day time?
No. I have 20 years of impeccable credit history and DINK status
Training log: http://forum.obnoxiousbrutes.com/showthread.php?t=165829701
post 1568368471 12-11-2018, 10:54 AM
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#81
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What do you mean by “credit utilization ratio”? Does this mean i should use debit more than credit?
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post 1568369491 12-11-2018, 11:05 AM
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#82
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Originally Posted By Yero91⏩
What do you mean by “credit utilization ratio”? Does this mean i should use debit more than credit?
No. He means by how much credit you have and how much credit you are using. Say you open a card and get $10k credit line. You want to keep it under 30% at any given time (of course there are times where you have to make big purchases). Basically just pay your card off each month and you don't have anything to worry about.
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post 1568370661 12-11-2018, 11:16 AM
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#83
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Originally Posted By sword_⏩
Sweet thanks guys! Will update.

How often have you guys gotten a credit limit increase with Chase? I've heard they are far and few.
I actually had mine lowered on me. I signed up for both Sapphire cards at the same time and they gave me 27k on the reserve I think around 20k+ on the preferred. After a month went by they basically realized "how much credit did we just give you at once?" And dropped the preferred all the way down to 3k but left the reserve at 27k
post 1568370761 12-11-2018, 11:17 AM
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#84
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Originally Posted By Yero91⏩
What do you mean by “credit utilization ratio”? Does this mean i should use debit more than credit?
Echoing the poster above, but the utilization ratio is your current balance divided by your total available credit. Generally speaking you want this number to be pretty low. I believe this is calculated in total. Ex: you have 2 cards with a credit limit of $5k each. Whether you have $1500 on each or $3000 on one and $0 on the other, you're at a 30% utilization ratio because you have a $3000 balance across $10,000 worth of available credit lines.
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post 1568395081 12-11-2018, 03:38 PM
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#85
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saving thread for later.
post 1568395791 12-11-2018, 03:46 PM
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#86
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Originally Posted By Yero91⏩
What do you mean by “credit utilization ratio”? Does this mean i should use debit more than credit?
beyond what the other 2 posters said. having a high utlization - meaning you got 5k cards and had used up 4k of it, shows youre more of a risk. the lender would be more inclined to err on the side of caution of lending you more because if youre carrying around that debt, there's a good chance you can't pay it

which, i guess isn't always true, but again.. its more of a risk to the lender
post 1568439851 12-12-2018, 06:31 AM
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#87
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Originally Posted By sword_⏩
Thing is I have to decide if I will use all of the benefits of the AMEX Platinum. I'm sure there are some benefits of the preferred I'm not using right now. Maybe I will be satisfied if I get more referrals for my Preferred before going to another card.
Consideration: After the airline and Uber credits, you still have AmEx Offers. If you use these at all (and they're really nice - you can still stack them with regular coupon codes and an airline miles portal), the card is effectively free. I've probably used $300 of Offers this year, and have another $200 worth in there of good ones that I might use before EOY, too.
Originally Posted By SpeedCheeser⏩
Echoing the poster above, but the utilization ratio is your current balance divided by your total available credit. Generally speaking you want this number to be pretty low. I believe this is calculated in total. Ex: you have 2 cards with a credit limit of $5k each. Whether you have $1500 on each or $3000 on one and $0 on the other, you're at a 30% utilization ratio because you have a $3000 balance across $10,000 worth of available credit lines.
It's calculated in totalandper card. Having any one card carrying a high ratio will ding your score, though not as badly as using 30%+ of your total ratio.

If you must pay something off over time, put it on your card to get the points then pay it off immediately with a low-interest no-fee personal loan (Marcus, Discovery, LightStream) for lower costs and because installment loans are calculated separately and are not very important to your FICO score.
Nah, fukk that. I’m not doing that.
post 1568440691 12-12-2018, 06:55 AM
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#88
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Let's see what you guys recommend for my next card. Looking for airline or hotel points/miles strictly. Not interested in cash back.

In my wallet currently:
Chase Sapphire Reserve
Chase Ink Business Preferred
Chase Freedom
Citi Platinum Select AA
Hilton Honors Amex

I'm tapped on Barclay AA and Chase United. Cancelled those recently

Points wallet:
Loads of UR points
Almost 100k AA miles
3kish Delta miles
Training log: http://forum.obnoxiousbrutes.com/showthread.php?t=165829701
post 1568440771 12-12-2018, 06:58 AM
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#89
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Originally Posted By arn710⏩
Let's see what you guys recommend for my next card. Looking for airline or hotel points/miles strictly. Not interested in cash back.
Is it safe to say you prefer Hilton properties and American Airlines, or no?
Nah, fukk that. I’m not doing that.
post 1568441221 12-12-2018, 07:05 AM
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#90
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Originally Posted By ANumber1⏩
Is it safe to say you prefer Hilton properties and American Airlines, or no?
I like Hiltons. Yes. The status they give with their cards gives executive lounge access which is worth a lot to me when we travel. Its free breakfast and happy hour daily

Don't really have a preference on Airlines. I fly out of a small airport that basically has the big 3 (no southwest).

I should mention my wife has 120k AA miles and 80k Delta

I'd like to focus on stockpiling some airline miles for a business/first class ticket to Aus/Asia sometime in 2020.
Training log: http://forum.obnoxiousbrutes.com/showthread.php?t=165829701
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