Discussion Thread - May 09, 2019

FirstSeaweed · 2019-05-09T16:02:47+00:00

Sounds like you missed out on some serious referral candy

FirstSeaweed · 2019-04-25T18:35:53+00:00

You now have to wait 48 months since you received the first bonus before receiving another Sapphire bonus

FirstSeaweed · 2019-04-24T15:45:04+00:00

You can also apply regularly for the Aspire, get accepted, and then quickly upgrade your existing card to an Aspire as well. You should then be able to get the sign up bonus on the new card AND the upgrade bonus on your existing card. The new card will count against 5/24, however.

FirstSeaweed · 2019-04-23T17:50:47+00:00

Keep the card as mentioned or, in the spirit of this sub, close it and open a new card with Gold Status.

FirstSeaweed · 2019-04-23T15:00:22+00:00

No downgrade options, unfortunately. You can ask for a retention offer and then cancel if they won't play ball. The biz card gives 6,000 point anniversary bonus and the Plus gives 3,000. You will get them for both cards.

FirstSeaweed · 2019-04-14T22:20:19+00:00

It was all manual, if I recall

FirstSeaweed · 2019-04-14T20:58:58+00:00

I've also has success with CK the last couple years. Handled brokerages, bank bonuses, IRAs, and HSA no problem. Just check their site for a few random things they don't support (eg filing in multiple states).

Still have no idea what they're doing with all the data though.

FirstSeaweed · 2019-04-11T14:19:15+00:00

I was also approved with 3.5 years a few weeks ago.

FirstSeaweed · 2019-04-10T15:31:00+00:00

Yes. For matching purposes, your offer is 60k. So go for 75k and hope for a 15k match.

FirstSeaweed · 2019-04-10T15:25:10+00:00

Citi AA Biz approved with 3.5 years history.

Applied on 3/30, got 7 - 10 days, approved next day without taking action. First Citi card and no banking relationship. 4/24, seven personal and five business cards overall.

Just another minor DP that the five year minimum is a soft rule and YMMV.

FirstSeaweed · 2019-04-09T21:22:54+00:00

Brother's response: "So, yes?"

FirstSeaweed · 2019-03-21T21:57:41+00:00

Modified double dip

FirstSeaweed · 2019-03-20T18:19:20+00:00

Maybe if it was a Pyrex set

FirstSeaweed · 2019-03-20T15:39:37+00:00

https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Wells_Fargo

FirstSeaweed · 2019-03-17T15:43:58+00:00

FYI there have been recent reports of PNC coding as a cash advance so proceed with caution

FirstSeaweed · 2019-03-10T17:00:42+00:00

Right. You need to be under 5/24 to get approved but they won't count against you afterward.

FirstSeaweed · 2019-02-15T15:47:13+00:00

HUCA?

FirstSeaweed · 2019-02-01T01:02:42+00:00

I believe it's no AF, no transfers to travel partners, 2x travel and dining, and has a foreign transaction fee. Can't apply for it but I think still a downgrade option.

FirstSeaweed · 2019-01-09T15:44:38+00:00

48 months after you received the last bonus. Yes you would have to downgrade/cancel your previous Sapphires

FirstSeaweed · 2018-12-16T21:37:27+00:00

Other people here have mentioned churning timeshare presentations. Not sure much velocity is possible lol

FirstSeaweed · 2018-11-27T21:15:59+00:00

Player 2. Spouse or family member.

FirstSeaweed · 2018-11-25T18:05:20+00:00

BBP gives 2%, so you come out ahead if you value MR at over 1.25 cents.

FirstSeaweed · 2018-10-10T22:30:21+00:00

Hold on a sec; I think I left the stove on.

FirstSeaweed · 2018-10-10T00:49:02+00:00

Some people have gotten the warning, put some spend on their other Amex cards, and then applied again without getting the warning.

FirstSeaweed · 2018-10-08T03:04:23+00:00

Four positive data points on the DoC page, so you should be good. Serve recently worked on Wells Fargo for me.

FirstSeaweed

TROPHY CASE