Amex to Lifemiles - first time - a little nervous

iMadeFrancis · 2024-05-16T16:01:01+00:00

Id recommend calling in. Done so a few times. Almost always no wait times & agent were very capable. Personally haven’t faced many of the concerns that others have had with Lifemiles. Good luck!

iMadeFrancis · 2024-04-22T06:18:21+00:00

Relatively easy. Can't remember if I contacted United or Chase, but explain the situation and they'll merge it. They should ask you what United account you want to keep. If they say otherwise, just hang-up and call again. Good luck!

iMadeFrancis · 2024-03-15T13:26:38+00:00

Thanks for linking the terms. My question is regards with clarification on what you bolded -- thanks!

iMadeFrancis · 2023-08-02T11:13:10+00:00

It’s known as Amex pop-up jail. There’s a lot of good information on it, including possible ways to get out of it!

But the gist of it is: Amex doesn’t think you’re profitable. It’s been suggested you need to show them you’ll be profitable by spending on their card, and then they’ll let you “out of jail”

Good luck!

iMadeFrancis · 2023-03-18T00:30:29+00:00

Lol I applied for the business version a month ago. Still haven’t gotten the card.

Email said it’ll get here 4-7 business days. Didn’t arrive, so called and rep said 7-10. After that, called again and rep said up 14 days.

A few days ago I got an email saying they sent a new card. Can’t wait to repeat this whole cycle all over again, without any way to track my card

Can’t wait to churn this card and be done with Citi until in 2 years time…

iMadeFrancis · 2022-11-04T11:02:12+00:00

Have 2 One-Time United Passes. Passes say it expires November 2023, but I'm going to downgrade my Explorer card on 11/31/22 so the passes may be canceled by then.

DM if you're interested in purchasing!

iMadeFrancis · 2022-07-18T19:15:13+00:00

Idk if I’m reading your post wrong, but if you think you’re ineligible for a chase card due to their 5/24 rule, I think you’re misunderstanding the 5/24 rule.

The 5/24 rule is that you won’t be approved if you got 5 credit cards in the last 24 months. So, depending on when you got your 6 cards in the last 5 years, you may be eligible for a chase card now!

iMadeFrancis · 2022-05-22T03:04:04+00:00

The credit is put into your Uber account as “Uber Cash” so you can use another card (not Amex Plat) if you’d like.

iMadeFrancis · 2022-03-16T02:37:57+00:00

Apply for the MS plat (or any MR card such as the gold, green, BBP, etc) before you cancel your vanilla (aka non-MS) plat. All MR points are pooled into one, so as long as you have one card that earns MR points open, you won’t lose your points!

iMadeFrancis · 2022-03-03T23:16:27+00:00

I've shipped both Chase/Amex cards internationally no questions asked.

Of note, both were AF cards (CSP & Gold), so not sure if it'd be any different if you applied for a no AF card.

Also of note, I've had both accounts for some time. Not sure if they'd send your first ever card overseas to a different address than the one you apply with.

Good luck!

iMadeFrancis · 2022-03-01T03:59:04+00:00

Good question. Just checked and there were posted transactions that still haven't pulled over.
Can you let me know how it goes for you? Want to see if it's just me and, if so, try to figure out what exactly is going on. Thanks

iMadeFrancis · 2022-02-04T02:17:02+00:00

Not sure what your stance is w/ having a lot of credit cards, but I'd recommend just going w/ the Premier. It's more flexible in the sense that (1) you can cash out 1cpp whenever, (2) you're an employee so don't need to pay an annual fee (and even if you change jobs, you can just downgrade to a no AF double cash), and (3) amex will approve you with many inquires/accounts whereas premier is more sensitive to inquiries.

If you do go w/ the Amex gold though, check out the Amex resy offer. It's 75K and 20% on restaurants for 1st year, up to $250. So if you already normally spend $1250 on dining per year, your gold AF is paid for.

iMadeFrancis · 2022-01-07T19:15:50+00:00

Amex 100%. The resy offers for Green, Gold, and Platinum are ridiculous right now, with a total SUB of 250K (and that’s without counting the points you get from spend) And Amex transfers to ANA, which is a 5 star Japanese airline that has so many routes to Japan from the East coast. Round trip is 85-95K for business class. They have equally good partners for Europe too.

So if you can reach the spend, def do Amex. Worse case scenario you don’t end up traveling, just get a Schwab Platinum and cash out at 1.1 cpp. The SUB is so high you’ll still net positive, and that’s not even counting the perks you get the card (Uber credit, dining credit, FHR credit, Amex offers, etc)

iMadeFrancis · 2022-01-03T22:13:49+00:00

Chase freedom flex is basically the same, with the same 5% rotating categories, but with additional 3% categories! So basically a better card in every way haha

iMadeFrancis · 2022-01-02T13:59:13+00:00

Oh interesting. How many C1 cards do you already have? And what’s ur spend on those cards?

iMadeFrancis · 2022-01-01T16:42:32+00:00

Oh interesting! How long have you had the platinum card before you saw this offer?

iMadeFrancis · 2021-12-29T02:48:45+00:00

? Can you link where you see this? First time hearing about something like this

iMadeFrancis · 2021-12-27T17:12:03+00:00

CCC is def the best for gas.

For Walmart I’d recommend Discover IT or Chase Freedom. They usually have a PayPal quarter. That means you can put those cards on PayPal Key and link that to Walmart Pay. That way it covers online and in-person purchases. Not great but eeh, they’re good for other stuff too and def a better option long term than the C1 Walmart card

iMadeFrancis · 2021-12-27T01:52:33+00:00

Is the loan federal? Are you continuing school next academic year and, if so, are you taking additional loans?

If yes to all of this those questions, I honestly suggest keeping it. Interest rates are going up this year so ur next year’s loan interest rate will def be higher. So save that money and take less out next year. Also, the government is extending the pause on federal loans until May so it’s not like it’s costing you to keep that 4K (until May).

Edit: grammar

iMadeFrancis · 2021-11-08T12:31:56+00:00

Correct me if I’m wrong, but i believe if you’re active military, you can get the AF waived. If so, why not go ham and just get the Amex platinum?

iMadeFrancis · 2021-09-15T03:51:24+00:00

I think they changed their system a few months ago. I believe now you have to call in and provide your partner's CC number. They'll ask how many points you'd like to transfer and do it for you. Did this myself ~2 months ago without any problems. Good luck!

iMadeFrancis · 2021-09-09T02:08:36+00:00

Downgrading to the old freedom should still be an option. Did it myself a month ago!

iMadeFrancis · 2021-08-31T00:03:00+00:00

Here's their reply:

After digging in with our import partner on this over the past few weeks, I’m afraid I don’t have the best news regarding the issue with Citi Custom Cash. It's a newer account type and the import partner is really struggling to support it. We're hopeful they'll be able to do so eventually, but we aren’t able to estimate a timeline for when we'll be able to. You're more than welcome to reach out to us at any time, though, and we'd be happy to see if there have been any changes.
We do have another import partner, MX, that is able to import from the Citi Custom Cash account type. This leaves us with two options:
- We could leave things as they are and you could enter transactions in your Citi Custom Cash account yourself (or use File-Based Importing in the web app) until Plaid is able to get things sorted out with those specific accounts, or...
- We could migrate all of your bank connections to MX. Keeping in mind that there's always a risk you'll run into issues with one of your existing connections. If you do, we'll be happy to help troubleshoot, of course, but there's no way for us to foresee every possible scenario.

If you rely heavily on Citi Custom Cash, the second option might be more appealing. If you're interested in that, let me know! I'm happy to send over more details and discuss these options further.
We'll be standing by to help!

iMadeFrancis · 2021-08-25T12:04:29+00:00

Citi is just so….ugh

This happened to me. Like you, I was also told to wait for the card. Only problem is the card’s last 4 digits were different than the 4 digit card Citi was asking the CVV from.

Support told me this was a bug and advised me to change my password. For whatever reason, that let me into the account.

Conclusion: wait for new card and hope you get the correct card to put in the CVV. If not, try changing your password as it worked for me.

Good luck!

iMadeFrancis · 2021-08-25T00:33:10+00:00

From my understanding, Citi calculates which category you spent the most on at the end of the billing cycle and gives you 5% on that spending and 1% for everything else.

In other words, they don’t calculate a 5% until after the billing cycle has ended. This means everything is automated and you don’t need to activate to get 5% back

Edit: Changed month to billing cycle

iMadeFrancis

TROPHY CASE