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DrGrnTum

Re: Amex offer. Ok guys i'm confused. Those of you that got the Amex $2500 from Better, did you all have targeted offers from Amex that you clicked? Or can I just go to the Better-Amex offer site and apply? The terms clearly say you have to apply through a targeted offer link. Here is a link that m...

DrGrnTum

Interesting write-up from a travel credit card churning site. The writer talks about retirement investing and The Preferred Rewards program. The writer also mentions a "Larry". https://frequentmiler.boardingarea.com/retirement-planning-mistakes-fixed-by-credit-cards/?utm_source=milesfeed.c...

DrGrnTum

For those who qualified for the $2,500 AMEX statement credit via Better, did you actually receive this? How did you connect to your AMEX account? Was this done at the end? I’m asking because Better says I qualify for this promotion, but I have no official confirmation from AMEX. After better sent m...

DrGrnTum

Here's the list of data points by bank: https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/. I don't think PayPal distinguishes between P2P payments and say an eBay sale, it'll look the same to the bank. Vanguard and other brokerages tend to count as direct depos...

DrGrnTum

Another thing that has been pointed out in this tread. Make sure the email you use to login to Better's site is the same as what is active on the account for the Amex card. I had issue with this, but I think I have it worked out. Good luck. That's a good reminder. Will make sure that the same email...

DrGrnTum

I would first like to thank everyone who have responded to this refinance mega thread. It's been very informative. I'm trying to help someone who is going through their first refi, and it's been a challenge. I've concentrated on the lenders that are mentioned the most (LenderFi, Loan Depot, Better,...

DrGrnTum

I went through better website to apply. Got a call from the rep. I told them that I have an LE that I would like them to take a look at and see if they can beat. Which they did. Before I even mention the competitor LE. The rates better initial offer was poor. Then I told them about the Amex promo. ...

DrGrnTum

I would first like to thank everyone who have responded to this refinance mega thread. It's been very informative. I'm trying to help someone who is going through their first refi, and it's been a challenge. I've concentrated on the lenders that are mentioned the most (LenderFi, Loan Depot, Better,...

DrGrnTum

I would first like to thank everyone who have responded to this refinance mega thread. It's been very informative. I'm trying to help someone who is going through their first refi, and it's been a challenge. I've concentrated on the lenders that are mentioned the most (LenderFi, Loan Depot, Better,...

DrGrnTum

Just a quick note on the Better $2,500 Amex bonus. There have been previous posts were people have checked with Amex and were told that the email on the eligible CC needs to match the email that is in the Better account. People have said that they changed the Better email using the provided utility ...

DrGrnTum

https://www.cnbc.com/2020/05/15/mortgag ... d-low.html

DrGrnTum

The credit card reward game seems to be changing because of the Corona Virus. I read that Chase is sending out statement credits of $100 for the annual fee on the Sapphire Reserve. I also read that they are suspending their business affiliate links. The Points Guy is going to take a hit. I also see ...

DrGrnTum

by gougou » Wed Oct 23, 2019 3:26 pm I would caution against using BofA Premium Rewards card and put $2M+/year of spend on it. I run a reselling business and spent about $100K/month on the BofA Premium Rewards card for their 2.625% cash back. About 8 or 9 months later I received a letter saying: &q...

DrGrnTum

My mom used to make tortillas every day when I was growing up. Here are the ingredients I remember her using for flour tortillas. All purpose flour Banking powder Salt Oil Water I remember her using Grabber Girl baking powder. And she used to use animal lard at first. She later changed over to regul...

DrGrnTum

spammagnet » Tue May 28, 2019 4:57 pm MikeG62 wrote: ↑Tue May 28, 2019 9:08 am ... The Ink cards don’t work for me as they are business cards. ... There is little to prevent you from opening business cards as a sole proprietor, using your SSN as tax ID. It is a common approach. Chase really doesn't...

DrGrnTum

You don’t have to churn cards to reap their benefits. You can set up a system of cards that allows you to pool your points into one account. If you have a spouse, they can acquire different cards and supplement your total points. IMHO, with all the rules and conditions that the banks have imposed fo...

DrGrnTum

investor997 » Sun May 19, 2019 2:43 pm Is there any consensus how many cards is too many? I have a Chase Southwest VISA that I never use. Got it 18 months ago and was going to cancel at the 12-month anniversary but Chase waived the annual fee so I still have it. What I'd like to do is swap it out f...

DrGrnTum

triggerfish10 » Sun May 19, 2019 8:22 am How much is one's credit score affected by applying for several credit cards every year? Say you have a high score of 700s to 800, you will take a hit of a few points every time you open a CC. After you have had the cards for awhile and you are diligent in p...

DrGrnTum

Unread post by VictoriaF » Thu Apr 11, 2019 8:15 am For those considering getting Chase IHG card with the 80k + 40k = 120k bonus, I have seen bloggers posting the end date of the offer on May 1st, 2019. See for example, Doctor of Credit, https://www.doctorofcredit.com/targeted ... 00-points/ I want...

DrGrnTum

DW has a Freedom and I have a Freedom. I also have the Reserve. All our points are transferred to the Reserve at the end of the month. Since we use all our bonus points for travel this works out really well for us. Costco and Walmart are good cards to buy online. For the past year I have used variou...

DrGrnTum

Let me offer another method to satisfy the monthly debt card requirements. Attach the debt card to your Amazon account. Use it to load $.50 to your electronic gift card. Takes around 5 minutes to load 10 transactions. I use this method to keep one of my bank accounts free from monthly fees. I initia...

DrGrnTum

by wfrobinette » Fri Jan 11, 2019 2:07 pm Never have I ever needed pesos when travelling to Cancun. My wife and I have had a wonderful time in the number of times we have been to Cancun. If you spend all your time in the hotel zone you would never have a need to use pesos and in my opinion, you can...

DrGrnTum

The first question that needs to be asked is: Are you presently paying interest on a credit card Balance? No one should start this game if they don’t have the discipline to totally pay off the balance when it is due. The next thing you should do is come up plan. Are looking to travel? Do you have a ...

DrGrnTum

Post by iasw » Tue Jan 01, 2019 5:53 pm TPG is a credit card salesman. Doctor of Credit is impartial. Don't worry about getting absolute max value out of your points. Where do you want to go? Plan your trip and of points can get you there, use them. Either in the portal, or Southwest, maybe Hyatt. ...

DrGrnTum

by DrGrnTum » Thu Jan 03, 2019 12:29 pm by arf30 » Thu Jan 03, 2019 12:12 pm DrGrnTum wrote: ↑Thu Jan 03, 2019 12:08 pm I would pay the taxes with a Chase Sapphire Preferred. The annual fee is waived for the first year. Good point, it has the same $500 bonus and I can just downgrade it to a Freedom...

DrGrnTum

by arf30 » Thu Jan 03, 2019 12:12 pm DrGrnTum wrote: ↑Thu Jan 03, 2019 12:08 pm I would pay the taxes with a Chase Sapphire Preferred. The annual fee is waived for the first year. Good point, it has the same $500 bonus and I can just downgrade it to a Freedom card after the first year. And for the ...

DrGrnTum

I've got federal taxes coming up, was wondering if it makes sense to get a CSR and use it to make the payment, or if there's some other card that will have a bigger bonus. I'm only interested in cashing out, not doing any travel. I could probably combine it with the Sapphire checking bonus as well....

DrGrnTum

SlowMovingInvestor wrote: ↑Thu Nov 15, 2018 7:04 pm I also discovered that 50K is not the best -- there is a better 75K targeted deal. Not sure how I can get myself targeted. Reupping this question. I have an offer for 50K delta miles with the Amex delta card. There is a better 75K targeted deal, b...

DrGrnTum

jumbopapa wrote: ↑Tue Nov 13, 2018 5:58 am TravelforFun wrote: ↑Mon Nov 12, 2018 9:26 pm sco wrote: ↑Mon Nov 12, 2018 8:07 pm TravelforFun wrote: ↑Mon Nov 12, 2018 7:27 pm sco wrote: ↑Mon Nov 12, 2018 6:35 pm I get my companion passes in January so it is good for 23 months. It's great that you can ...

DrGrnTum

I'm not a pro in this CC churning game, but if I apply for Chase IHG or CitiCards TY card, can I buy a grocery GC of a few hundred and count it as spending for the bonus purposes? I think AmEx is picky which GC count toward spending, but not sure about Citi and Chase. Just to be clear, I don't inte...

DrGrnTum

I think you are asking for information on how to apply for a credit card? In particular, a business credit card? If that is what you are asking all you have to do is google “business credit cards”. If you want to tie this down to a particular financial institution google the praise: “ bank name busi...

DrGrnTum

To me it appears that manufacture spending is still alive but not as easily done as it was a couple of years ago. Here are some of the sites where you might find some information. https://www.flyertalk.com/forum/manufactured-spending-719 https://www.pointchaser.com https://churning.rankt.com On this...

DrGrnTum

Mojito. Take two or three fresh mint leaves and place them in a tall glass with a drop of water. Find a wooden stick or anything wooden with an end that has the circumference of a $.50 piece. Use that stick to mash and pulverize the mint leaves in the glass. Squeeze the juice of half a fresh lemon i...

DrGrnTum

The ability for couples to implement the SS strategy of restricted applications was changed recently . . . please consult with the SSA before you proceed as is being suggested here. It didn't change for the OP because he was more than 62 on 1/2/16. My apologies. I believe that I am in the same situ...

DrGrnTum

Has any one use this calculator along with their XML download that they get from their Social Security login account? https://financialengines.com/education-center/social-security-planner/ My wife and I are in the same boat as the OP. Using this calculator I found that can also do the file and suspe...

DrGrnTum

If you are traveling strictly on the west coast you may want to check out using Southwest airlines and signing up for their two cards. The two cards at different times have had different bonus. Right now, the two cards each have a 40K bonus. At one time the bonus on each was up to 60K. What you can ...

DrGrnTum

The Chase freedom Unlimited is a no fee card that right now is offering 3% cash back for a year.

https://creditcards.chase.com/cash-back ... g1/ccpers1

DrGrnTum

Thank you so much for all your inputs my fellow Bogleheads :) really appreciate the discussion. Is it more pragmatic to get multiple chase cards and pool the UR? i am planning to apply for a CSP in 6-8 months as i have some expenses coming up and want to hit the spend bonus then. Google “Chase 5/24...

DrGrnTum

Thank you so much for all your inputs my fellow Bogleheads :) really appreciate the discussion. Is it more pragmatic to get multiple chase cards and pool the UR? i am planning to apply for a CSP in 6-8 months as i have some expenses coming up and want to hit the spend bonus then. Google “Chase 5/24...

DrGrnTum

Dr of Credit write-up on new Chase and Amex cards

https://www.doctorofcredit.com/marriott ... esFeed.com

DrGrnTum

http://credit-cards.marriott.com/en-us/ ... _US_SPG_EN

http://credit-cards.marriott.com/en-us/ ... _US_MAR_EN

DrGrnTum

https://www.reddit.com/r/churning/comme ... g_program/

https://members.marriott.com/spg/

DrGrnTum

IMO, the better benefits on the Citi Double Cash card make it better than than the Alliant, at least after the first year. Citi Double Cash is currently offering a $100 sign-up bonus after spending $500 in the first 90 days. The 2% Fidelity Signature VISA also is currently running a $100 sign-up bo...

DrGrnTum

I just signed up for the PenFed Pathfinder AmEx (no annual fee) in part because it reimburses the G/E application fee every 5 years. Also $100 Credit each year for airline incidentals and no foreign transaction fee. That is a pretty good deal. Were you already a member or did you have to open an ac...

DrGrnTum

My wife and I both have Global Entry. If you travel by air a lot it is the best thing to have. Coming back from international flights through a major hub is when it really comes in handy. We have become accustom to blowing past long lines. We noticed the difference when we traveled with another coup...

DrGrnTum

Be careful on applying for “Business” cards with Chase. My brother applied for a couple of business cards and did not get approved for them until he provided proof that he did have a legitimate business. If you don't really have a business, you may get a call from Chase. On the churning sites there...

DrGrnTum

It helps if know where you are traveling to. If you know where you are going then you can get the card that will best help defer the cost. If you are traveling mostly in the US, then you need to sign up for the card that will help with the cost of the airline. The Southwest / Chase Preferred Is a ve...

DrGrnTum

If you are looking for the most bang for your buck with minimal amount of work then I would recommend that each one of you open a Chase Sapphire Reserve. You have to spend $4,000 in three months to get 50,000 bonus points. It has an annual fee of $450 that is charged when you open the card. That fee...

DrGrnTum

My guess is that paying the large amount for the taxes is what flagged the account for review by the AMEX Rat team and they disqualified the bonus. Just a guess. I would guess this is a disallowed manufactured spending activity as a cash like purchase, similar to buying gift cards. I don't believe ...

DrGrnTum

The ruins at Tulum are very picturesque by the ocean. I like the site at Chichen Itza. It is a pretty extensive complex of Mayan Ruins. It is an all day trip to get there and back. The bus tour we took stopped at a Cenote (deep water hole). People brought their swim suits. I wished we had brought o...

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