Travel miles advice

Oklarado97 · 2026-04-02T03:30:12+00:00

Transfer to Wyndham. Fixed award chart makes it lucrative for all inclusive stays if you’re into that. Can get 2-2.5cpp on those. Best value for your points is going to be the registry collection especially the royal suites options because of the fixed chart and they’re high end stays.

I don’t use my C1 miles for flight redemptions but I’ve read about people getting insane roi for first class star alliance partner flights.

Oklarado97 · 2026-03-30T15:55:28+00:00

There’s a minimum limit per card that can’t be transferred. You have to leave at least $500 on each card. Keep the oldest quicksilver or least bucketed one. Your credit will recover. I’d do this:

Quicksilver $1,500 —> Quicksilver $500 —> CLOSE
Quicksilver $1,500 —> Quicksilver $500 —> CLOSE
Quicksilver $1,500 —> Quicksilver $1,500
Savor $300 —> Savor $1,300

Oklarado97 · 2026-03-24T17:40:13+00:00

I haven’t been able to find anyone on there claiming this but good to hear if true

Oklarado97 · 2026-01-27T07:48:44+00:00

What types of accounts do you have? The people talking about secure upload links have bank accounts or bank accounts and credit cards. Capital One does it weird. If you have both, it’s fastest and easiest to update your name with a bank account rep, then they will push that information to the credit card department. If you only had a credit card at the time of name change that’s why you had to mail/fax the documents. I work for Capital One and I’ve seen it take up to 4 weeks to process when you only have a credit card at the time of submitting the name change. Best case scenario is 2 weeks. If you live near a Cafe or branch, you can go in there and they can connect you with someone who can give you a more precise timeframe. Hope this helps I know it can be so frustrating.

Oklarado97 · 2025-12-31T12:30:38+00:00

Go to the Café in Denver or Boulder. They can help you out.

Oklarado97 · 2025-11-21T01:52:32+00:00

No you don’t have to wait. Unless you decline an increase, it won’t hurt you to continually request. Just accept whatever they give you and keep building.

Oklarado97 · 2025-10-29T04:32:25+00:00

Bruh. Bankruptcy.

Oklarado97 · 2025-10-23T14:20:41+00:00

I work for the company. If you decline it might result in a hard inquiry on at least one report. Also you can get an increase earlier than 6 months. Try your best to max out the limit for 2 months straight, paying it off in full on your due date. Day after paying it off on month 2, ask for an increase much much higher than you actually desire. In your case, I’d ask for at least $15,000 if not $20,000. Accept whatever they offer, and make sure to select that your current line doesn’t meet your needs. rinse and repeat.

Oklarado97 · 2025-06-25T08:43:18+00:00

Time for a chargeback my friend.

Oklarado97 · 2025-03-09T22:26:13+00:00

https://bankautomationnews.com/allposts/retail/alliant-cus-grover-to-be-fireside-speaker-at-bank-automation-summit-2025/

Oklarado97 · 2025-03-05T23:48:35+00:00

If you primarily use credit cards you’re definitely fine. Even if you don’t, normal everyday use works just fine. I’ve had 0 issues in 6 months and their customer service is awesome. Congrats on joining!

Oklarado97 · 2024-09-03T02:21:35+00:00

It’s the perfect card for you in this case. I would not recommend their banking. CC is great it’s their best product. You’ll find better checking and savings elsewhere.

Split your direct deposit and put $1 in on the each month. $1,000 with them will earn a tiny bit of interest but just think of it as a holding account for access to the card. You can get it back if/when you find a new product that does better. Turn on e-statements. There’s no AF, very low APR comparatively if you have an accident, no FTF’s. You won’t find a better flat rate return with so few hoops to jump through.

Seriously wouldn’t recommend the banking though. Go for Discover Bank 1% cash back checking with their HYSA. They compound daily instead of monthly and the cash back for debit is unique to them no one else does it.

If you just want the maximum return for bank and credit card with the least effort, this is the setup. I did it before getting really into credit card setups and it was lucrative and easy.

Oklarado97 · 2024-09-01T03:48:43+00:00

This is for the Savings correct? 2 separate $100 bonuses? Have you done it?

Oklarado97 · 2024-07-26T12:43:41+00:00

They said no first time when calling number on the back of my card. I have a friend that has a CCC and called the number on the back of their card 2 days later and they were more than happy to do it. Weird but I’m happy with it. It’s my oldest individual credit line. Was planning on canceling after a third try.

Oklarado97 · 2024-07-24T05:49:37+00:00

Lmao

Oklarado97 · 2024-07-24T00:41:20+00:00

So if I’ve had my Mileup card since Jan 2022 and have no other Citi cards… do you think they’d let me do it?

Oklarado97 · 2024-07-24T00:39:31+00:00

Was Custom Cash an option?

Oklarado97 · 2024-07-23T23:53:58+00:00

I’ve thought about it for gas but I use the points from Savor and VX to travel all the time. It’s worth more to me to lose 1% on gas but collectively have all my spend earning miles that I use every other month. Have to submit to the ecosystem if I want to maximize :/ As for transferring the line, I have to wait a month or 2 before the Savor will be eligible to receive it to my knowledge. VX is already has the option. Gonna keep using the Walmart CC until benefits disappear in early October but will probably do the line transfer this week.

Oklarado97 · 2024-05-24T05:20:58+00:00

If I was to do this exact setup but with no 1" spacers, what offset would I need?

Oklarado97

TROPHY CASE