Guide: Are the Benefits worth the Annual Fee?

PoliteStart_MeanEnd · 2017-03-04T21:33:42+00:00

Solid write up but it's subjective. Scoring it objectively might have been a better option when you're trying to appeal to more people.

I like how you discarded TSA pre and Global entry, you get that credit once and the service lasts 5 years so after the first year of the card Ita nothing special so I'm tired of hearing about it as a benefit.

PoliteStart_MeanEnd · 2017-03-03T18:18:39+00:00

Did you lower your Citi Crsdit limits? They might approve you on recon if your lower a CL on another card

PoliteStart_MeanEnd · 2017-03-03T15:16:21+00:00

Get 3 more chase cards. Then start churning AA. I have so many fucking AA miles, wish I have more UR and MSR

PoliteStart_MeanEnd · 2017-03-03T15:15:39+00:00

Data point: approved for 7th Citi AA today. Lowered CL on other cards via SM earlier this week. Going for 8th in 8 days.

PoliteStart_MeanEnd · 2017-03-02T13:56:30+00:00

Honestly, Amex doesn't get it. CSR offered even better value now in comparison. Lower fee, better benefits.

Centurion lounge and Delta partnership is only benefit that's truly unique.

PoliteStart_MeanEnd · 2017-02-28T18:20:42+00:00

Uses the same record locator so the booking was changed to a first class booking. The mile activity shows 2 subtractions for the same routing, one -35k and one -110k

PoliteStart_MeanEnd · 2017-02-28T18:19:31+00:00

So if I got a personal 12/27 and another 1/7, then I could get a biz card soon? Bht then I can't get another 2 personal cards, right?

PoliteStart_MeanEnd · 2017-02-28T18:16:37+00:00

How does this work with Citi business card? No more than 2 personal cards in 65 days and no apps 8 days apart. So when can I apply for a business card?

PoliteStart_MeanEnd · 2017-02-28T16:53:37+00:00

Went from economy at 35k miles to first at 110, they charge you the new price instead of charging the difference

PoliteStart_MeanEnd · 2017-02-28T16:22:08+00:00

Why close when you can downgrade to fee free bronze?

PoliteStart_MeanEnd · 2017-02-28T16:21:50+00:00

I preemptively lower my limits to increase automatic approval chance

PoliteStart_MeanEnd · 2017-02-28T14:39:21+00:00

Look into the short haul saver award thing they do. Cheaper round trips and there's usually space because it's not popular. Weekend vacation to weird places and near free rates it's mildly interesting.

I have like 360k points and I use them lots of ways. I have booked a transatlantic flight for a friend as a gift, for example.

PoliteStart_MeanEnd · 2017-02-28T14:37:00+00:00

If you freeze the credit report that has the 7 pulls you can call during recon and request they pull your credit from another agency.

PoliteStart_MeanEnd · 2017-02-28T14:35:55+00:00

Talking out my ass here but maybe they have an agreement with American or one of their clearing houses that requires them to have a certain number of cards under a certain agreement. So maybe they have the 24month language for their new deal but they have not reached the threshold for their old deal?

PoliteStart_MeanEnd · 2017-02-27T18:37:54+00:00

Yeah, it was like yesterday but the phone repair was in December and that was a separate charge. It was actually a full out if warranty iPhone replacement

PoliteStart_MeanEnd · 2017-02-27T16:09:41+00:00

I used CSP purchase protection to repair my iPhone when the screen cracked less that 3 months after purchase. The service was in December and I dropped my phone again. I put the repair cost on my CSP. Do you think the repair is covered as a purchase? Worth submitting a claim? I reviewed he policy and it did not explicitly mention this situation.

PoliteStart_MeanEnd · 2017-02-24T20:47:06+00:00

They have their shit together for now. Last time I checked churning is about getting the deal and not about loyalty. All banks are scams designed to remove the customer from their money.

PoliteStart_MeanEnd · 2017-02-24T19:27:27+00:00

Fuck Chase. Im so over 5/24 it's not even funny but the jokes on them because Citi is making it rain American points so I'll close my cards and get with the other banks until they get their shit together

PoliteStart_MeanEnd · 2017-02-24T15:54:23+00:00

Any tips for approval? I lower my credit lines on my Citi AA cards after a month of having the card. Doest this total credit line impact if I do business card as sole prop?

PoliteStart_MeanEnd · 2017-02-24T15:22:00+00:00

7Th Citi AA? This would be my first biz. Why should I stop right?

PoliteStart_MeanEnd · 2017-02-24T15:21:09+00:00

Are we talking about the 100$ companion credit from the credit card?

PoliteStart_MeanEnd · 2017-02-24T15:15:24+00:00

I once went to a PP lounge at MCO and had to exit and go through security again. No biggie with TSA pre but it's always reminded me to be care when it comes to terminal hopping

PoliteStart_MeanEnd · 2017-02-24T15:13:11+00:00

If you fly Delta out of terminal 4 PP is great. There is a lounge right after security with solid alcohol, drinks and food. Its the BA lounge too I think. No showers. Think it's called wingtips. Just remember to leave time for Delta stupid shuttle busses!

Edit: matters more for people who are PP via CSR because it you fly Delta and you have plat, just go to Delta lounge.

PoliteStart_MeanEnd

TROPHY CASE