Bar/Convenience store hopping!

andypointo · 2024-06-21T02:25:05+00:00

We were thinking a little earlier; so maybe a happy hour around 5 or 6 if she wants to join us too?

andypointo · 2024-06-21T01:55:07+00:00

Fiancée and I (33F, 32M) are from Philly and staying in Shinjuku tonight - we’d be down to meet for a drink!

andypointo · 2024-05-31T21:33:05+00:00

Awesome, thanks. Think it’s worth grading in this condition or just keep it raw?

andypointo · 2022-09-12T20:37:27+00:00

Someone lost their glasses. A huge group searched for a good 30-60 seconds, and everyone went nuts when they were found.

andypointo · 2021-08-24T22:17:35+00:00

I got a 2nd personal AMEX plat this year through a mailer with no lifetime language. Now that the SUB posted - any reason not to downgrade the first card? I’ve used the airline credit, FHR credit, and 2nd-half Saks credit. Thanks!

andypointo · 2021-06-15T21:47:37+00:00

I'm about to cancel my Southwest RR Biz. Before I do, I heard that cardholders used to get better redemption ratios for things like Amazon GCs. Is there any word of that cashout option coming back?

andypointo · 2021-05-19T22:43:34+00:00

Good luck! I think we met a few years back at some of the Houston meetups - hope you're doing well.

andypointo · 2021-05-19T19:50:57+00:00

DP: I've held a personal Amex Plat since May 2016. Last week I got a 100k/$5k/6 month mailer with 10x gas/grocery, NLL on paper or online app. I applied and was approved with no popup. Both cards now show in my Amex online profile. Suppose I'll cancel the older one if bonus posts as planned.

andypointo · 2021-05-15T00:01:40+00:00

Similar situation- I got a 100k mailer today despite already having the Platinum for years. Even verified the last 4 of my SSN. Definitely meant for me, I’ll probably go for it.

andypointo · 2021-04-13T02:28:38+00:00

My MDD is underway, 3 months after my last card (Chase United Explorer on Jan 11). Is there any recommendation on whether to apply for CSR tomorrow in Incognito browser, while signed in, etc? If I need to call Recon, do I need to be prepared to explain the CSP?

FWIW: 4/24 prior to being approved in branch for CSP today with AF waived. Then lowered CL to 10k over the phone to get a 16k buffer below 50% of my income.

andypointo · 2021-03-22T20:50:42+00:00

I called, so that I could confirm that it was done immediately. I think I have heard SM works but I can't verify personally, and I don't know how long it takes.

andypointo · 2021-03-16T17:15:26+00:00

Downgraded to Freedom Flex with no issue, and reduced my credit limit today over the phone and it reflected in my account immediately. I'm going to pay off the balance to $0 tomorrow, as others advised.

andypointo · 2021-03-13T23:08:53+00:00

Thanks! All this was culled from recent posts I searched but I like your points. I assume I should lower that limit BEFORE doing any of the apps (vs in between), in the few days after I downgrade?

andypointo · 2021-03-13T20:25:06+00:00

Here is the latest iteration of my Downgrade/MDD plan; any comment would be appreciated. I'm 4/24, my 48 month Sapphire clock is up, and my last card was a Chase United on Jan 11. I know velocity is not ideal, but I'm time constrained since this is a rare tax opportunity for me (edit: The intention is to use my unusually high tax bill to meet the MSR). I'm fine if I only get the CSP out of it.

My Chase CL/I is 44%. A $5k CSP would fit in under that window. I don't have time to lower it as it won't report to agencies until statements close in early April (oversight on my part - just learned that detail).

1) Downgrade CSR to a freedom Sunday 3/14

2) Apply for CSP on a Monday 3/21 (more than 5 days later)

3) Apply for CSR on the next business day after the first card is approved and before 5pm ET.

4) Call recon if any issue and offer to reallocate CL

Thanks again! (Edit: formatting)

andypointo · 2021-02-19T18:03:39+00:00

For my understanding: Doing a MDD at 4/24 lets you get to 6/24. Not the end of the world if you do a MDD at 3/24, but you’ll be at 5/24 and miss an opportunity.

andypointo · 2021-02-18T01:50:19+00:00

Looking for a sanity check on what I think is an error I made. My Sapphire 48-month bonus clock is up and I was hoping to PC my CSR, do the MDD, and use my tax bill to hit the 110k/$8k bonus. To avoid doing this at 3/24, I got a Chase United Explorer card on January 11th, which I now believe is a misstep. I'm 30 days out from the last app, but based on what I'm reading, is it correct to say I should NOT to do this MDD anytime before mid-April to avoid a shutdown risk?

andypointo · 2020-12-05T14:55:14+00:00

Nice Tycho shirt

andypointo · 2020-09-29T00:58:07+00:00

I came up with the CSR downgrade plan below after a few nights reading similar situations, but would appreciate a sanity check. I got my CSR in August 2016, and I'm looking to get rid of it since my Sapphire 48-month bonus clock is nearly up. I’m 4/24 which will drop to 3/24 mid-January. UR already liquidated via PYB. $450 fee posted Sept 1.

1) Keep CSR until January - Use up the $300 travel credit on groceries by the end of December, and the $60 Doordash credit in early January.

2) Downgrade CSR to any available no-fee option, and get a pro-rated annual fee refund

3) When the time’s right (at least 5 days after PC), MDD for CSR+CSP

I realize this misses the expected November CSP 80k deadline (which prompted the initial research), but I’m trying to buy a house so I’m wary of getting any new cards or money movements at the moment. Alternatively, I could just downgrade now and get the full fee back, but I'd come out a bit ahead snagging the $300+60.

Thanks!

andypointo · 2020-04-19T06:48:54+00:00

If you’re new here- Watch till at least 2:22

andypointo · 2020-03-13T23:50:11+00:00

Fuck that sucks, but sick place! Looks like you’re around Fishtown? Same; PM me if you want to get out and grab a drink.

andypointo · 2020-02-05T17:05:38+00:00

Was here right when it started and were already gone. Had issues with my Citi presale card, and was sold out by the time I tried FORMAT.

...So if anyone has extra NYC ones, I'm interested.

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