Poll of the Day > Just got a new credit card.

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CountessRolab
06/20/17 10:32:58 PM
#1:


https://www.americanexpress.com/us/credit-cards/card/platinum-delta-skymiles/

Honestly only did it for the signup bonus. 70k skymiles is too good to pass up ($700 face value, ~$3500 if used for first class international flights). Plus it also comes with a $100 credit. I will probably cancel it in a few months though lol.
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RCtheWSBC
06/20/17 10:56:10 PM
#2:


r/churning
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CountessRolab
06/20/17 11:17:34 PM
#3:


RCtheWSBC posted...
r/churning


aw yeeeeeeee
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CountessRolab
06/20/17 11:42:07 PM
#4:


This will put me at 190k skymiles +120k Amex points. I will probably cash a good chunk of that in next fall to take Delta's new first class "suites" to Tokyo for free.


USlA3Yj

rLbvAA4

eoxZiM9
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ChrisHanson24
06/20/17 11:43:41 PM
#5:


CountessRolab posted...
This will put me at 190k skymiles +120k Amex points. I will probably cash a good chunk of that in next fall to take Delta's new first class "suites" to Tokyo for free.


USlA3Yj

rLbvAA4

eoxZiM9

it's not free if cancelling the card hurts your credit score
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CountessRolab
06/20/17 11:43:59 PM
#6:


Though the complementary champagne comes in kind of a weird glass.

Qo5t3km
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CountessRolab
06/20/17 11:45:24 PM
#7:


ChrisHanson24 posted...
it's not free if cancelling the card hurts your credit score


The effect is negligible as long as you only do it ~once a year (maybe drops by ~10 points). It shoots back up after a few months. I used to do consumer loan underwriting. Credit is my baby.
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SusanGreenEyes
06/20/17 11:51:17 PM
#8:


Why do you post pictures of strangers, but never any of yourself?
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edededdy
06/20/17 11:54:38 PM
#9:


SusanGreenEyes posted...
Why do you post pictures of strangers, but never any of yourself?

he knows potd would tear him a new asshole if he posted any more images of himself
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argonautweakend
06/21/17 12:04:07 AM
#10:


my credit score = 765/850

awwww yeahh gettin there
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argonautweakend
06/21/17 12:05:14 AM
#11:


also balor how many times have you been the first boarding group on a plane?

they always have those weird ass boarding groups first, like Chase Plus Platinum Worldwide Club members and shit.

whats it like?
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RCtheWSBC
06/21/17 12:07:09 AM
#12:


argonautweakend posted...
my credit score = 765/850

awwww yeahh gettin there

You're p much already there, unless you want to hit 800 for bragging rights
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argonautweakend
06/21/17 12:07:59 AM
#13:


I work at fuckin walmart and live with my mom you fucking BELIEVE im going all the way.
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RCtheWSBC
06/21/17 12:09:21 AM
#14:


I mean a high credit score won't directly change those things but do you, boo
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CountessRolab
06/21/17 12:10:12 AM
#15:


argonautweakend posted...
also balor how many times have you been the first boarding group on a plane?

they always have those weird ass boarding groups first, like Chase Plus Platinum Worldwide Club members and shit.

whats it like?


Just being in the first boarding group isnt a big deal. Just means you can find your seat in peace. This card lets you get on the plane right after first class. Nothing special.
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argonautweakend
06/21/17 12:10:55 AM
#16:


yeah i know but since this is a good thing i feel the need to keep going.

not that i have to try, barring a catastrophy itll just slowly rise anyways
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CountessRolab
06/21/17 12:12:40 AM
#17:


Priority boarding aside, the real perk you should be asking about are airport lounges. They are da shit. After a few visits, you will seriously hate having to sit out at the terminal with the commoners.
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CountessRolab
06/21/17 12:17:30 AM
#18:


You know what I am talking bout. Those big mysterious doors at the airport that you see the well-dressed people disappear into? If you only knew the secrets that lie beyond....ok its not that magical, but some of them are pretty posh and they have unlimited free food and drinks.

KA3weiN
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CountessRolab
06/21/17 1:58:16 AM
#19:


Hey @RCtheWSBC, you should let me refer you for a new credit card.
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RCtheWSBC
06/21/17 9:50:05 AM
#20:


CountessRolab posted...
Hey RCtheWSBC, you should let me refer you for a new credit card.

I'm planning on applying for a Chase Freedom Unlimited one once my new job starts. I can't afford churning stuff.
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CountessRolab
06/21/17 10:04:10 AM
#21:


RCtheWSBC posted...
CountessRolab posted...
Hey RCtheWSBC, you should let me refer you for a new credit card.

I'm planning on applying for a Chase Freedom Unlimited one once my new job starts. I can't afford churning stuff.


Oh boo. I can only refer Amex.
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Parvenu
06/21/17 10:25:23 AM
#22:


Pics or it didn't happen.
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fettster777
06/21/17 11:40:02 AM
#23:


My girlfriend has the gold card and she likes it.
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Muffinz0rz
06/21/17 11:40:51 AM
#24:


What's your monthly limit?
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RCtheWSBC
06/21/17 11:44:33 AM
#25:


CountessRolab posted...
Oh boo. I can only refer Amex.

I keep getting recommended and pre-approved for AMEX cards, but tbh I'm not sure I even want one. Comes off more like a status symbol than useful to me. If I got one, it'd be either the Blue Cash EveryDay or AMEX EveryDay.
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Firewood18
06/21/17 12:51:12 PM
#26:


This topic reminded me that I should be closing out a couple of cards. I have at least 5 open and use/have balance on only 2.
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argonautweakend
06/21/17 12:55:20 PM
#27:


currently i stopped using my capital one venture card and instead am using my amazon prime card almost everywhere

I get 1% cash back everywhere(and i think one of those dumb 2% on gas, 3% at restaurants type deals), and 5% on prime purchases. Sure, its basically amazon money, but every few months i should have enough shit saved up to get something for free. I dont know which card actually gives me better benefits, but I am not going on trips any time soon so i dont need the airline miles.
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CountessRolab
06/21/17 7:45:35 PM
#28:


fettster777 posted...
My girlfriend has the gold card and she likes it.


Yeah, I have the gold card. It is mainly what I use. It is nice.

RCtheWSBC posted...
CountessRolab posted...
Oh boo. I can only refer Amex.

I keep getting recommended and pre-approved for AMEX cards, but tbh I'm not sure I even want one. Comes off more like a status symbol than useful to me. If I got one, it'd be either the Blue Cash EveryDay or AMEX EveryDay.


If you go for the AMEX EveryDay card, totally let me know haha. I have a referral link for that one, and they give me like $100 if you sign up lol.
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RCtheWSBC
06/21/17 7:46:19 PM
#29:


But what do I get?!
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CountessRolab
06/21/17 7:46:42 PM
#30:


Muffinz0rz posted...
What's your monthly limit?


Dunno yet. It will say in the paperwork when the card arrives.
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CountessRolab
06/21/17 7:48:37 PM
#31:


RCtheWSBC posted...
But what do I get?!


Earn 10,000 Points after you use your new Card to make $1,000 in purchases in your first 3 months. 0% intro APR on purchases and balance transfers for 12 months. Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. 2x points at US supermarkets on up to $6,000 per year in purchases. 1X Points for every eligible dollar you spend.

You also get free roadside assistance (it is actually pretty legit).
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CountessRolab
06/21/17 7:50:38 PM
#32:


Oh wait never mind, you have to have at least the gold card for free roadside assistance.
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RCtheWSBC
06/21/17 7:55:54 PM
#33:


Why should I get points instead of cash back percentages?
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CountessRolab
06/21/17 8:06:23 PM
#34:


RCtheWSBC posted...
Why should I get points instead of cash back percentages?


It really depends on what you redeem them on. Points/miles credit cards get the most redemption value if used for first class international travel (~5-6 cents per mile, which is the equivalent of 5-6% back on all purchases). If you dont plan to use them for travel rewards, you are probably just better off getting a cash back card. Best one on the market right now is Citi Double Cash (2% cash back).

Some cards also have other random perks to consider though. The delta credit cards waive baggage fees, which saves $50 per trip and can save you a lot if you fly frequently.
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CountessRolab
06/21/17 8:23:55 PM
#35:


Either way though, churning for free travel rocks.
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RCtheWSBC
06/21/17 8:27:48 PM
#36:


I'd love to get more travel rewards but churning is a bit too risky for my current situation. Ah well.

I fly Southwest a lot and keep getting requests to sign up with them, idk.
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PurpIePerson
06/21/17 8:30:30 PM
#37:


I think I get reward miles or points or something (idk how credit cards work) for using my credit card but I never fly so they are useless.

I also get like 3% cash back if I buy gas, but I don't drive so that's totally not useful.
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CountessRolab
06/21/17 8:30:52 PM
#38:


RCtheWSBC posted...
I'd love to get more travel rewards but churning is a bit too risky


In what way? Unless you are trying to buy a house soon, it isnt really a big deal to do it once.
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wolfy42
06/21/17 8:31:26 PM
#39:


There are some better cash back rewards, I have one from my bank that gives 2% on groceries etc, and 5% on 2 specific types of purchases (travel/electronics/department stores/cell phone plans etc). It also provides protection for your cell phone and will replace it for free if it gets damaged (as long as you pay for the plan on your credit card).

It's 1% on everything, 2% on like 3 things (including groceries), and 5% on 1-2 things.

5% though is pretty freaking good. Even the 2% on all your groceries is pretty swag though to be honest.

I didn't bother to get a credit card till recently, but just on groceries i'll save a decent amount. Got it two months ago or so and already have like 60$ cash back on it...not spending any more then I normally do. Ain't complaining about an extra $30 a month.
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wolfy42
06/21/17 8:33:39 PM
#40:


As an example btw, all my purchases from best buy, count as electronics (Which is under my 5% choice), so not only do I get 20% off for my gamers club reward, but I also get another 5% back from using my credit card. It's a pretty sweet combo, sure beats out amazon/gamestops prices......which is sad as I have a friend who works at gamestop lol.....but even he says the employee discount barely equals the prices everyone gets at best buy/amazon lol.

Pretty bad when your still better off shopping at another store when you work there!!
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CountessRolab
06/21/17 8:34:19 PM
#41:


CountessRolab posted...
RCtheWSBC posted...
I'd love to get more travel rewards but churning is a bit too risky


In what way? Unless you are trying to buy a house soon, it isnt really a big deal to do it once.


Plus, in terms of credit building, it is good to have 2-3 different lines open (even if you only really use one). If you do it with a card with no fee, it might make sense to just leave it open instead of cancelling.
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IAmNowGone
06/21/17 9:15:39 PM
#42:


I wish you were arrogant and vain and didn't care about what PotD thought of you so you post pics of yourself on extravagant trips. If youre really that insecure I can settle with headless torso pics.
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CountessRolab
06/21/17 9:16:12 PM
#43:


IAmNowGone posted...
I wish you were arrogant and vain and didn't care about what PotD thought of you so you post pics of yoursskf on extravagant pics. If youre really that insecure I can settle with headless torso pics.


qq moar
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IAmNowGone
06/21/17 9:17:22 PM
#44:


CountessRolab posted...
IAmNowGone posted...
I wish you were arrogant and vain and didn't care about what PotD thought of you so you post pics of yoursskf on extravagant pics. If youre really that insecure I can settle with headless torso pics.


qq moar


I'm not whining henny. I'm not insecure enough to care about what people think of me. Well, my looks at least.
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Renraku_San
06/22/17 1:47:06 PM
#45:


CountessRolab posted...
Priority boarding aside, the real perk you should be asking about are airport lounges. They are da shit. After a few visits, you will seriously hate having to sit out at the terminal with the commoners.


Even then, who does that? I sit at a bar and monitor the time until they would be announcing final boarding then I pay my tab and head to the gate.
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Muffinz0rz
06/22/17 3:37:38 PM
#46:


Renraku_San posted...
CountessRolab posted...
Priority boarding aside, the real perk you should be asking about are airport lounges. They are da shit. After a few visits, you will seriously hate having to sit out at the terminal with the commoners.


Even then, who does that? I sit at a bar and monitor the time until they would be announcing final boarding then I pay my tab and head to the gate.

My biggest question is, why do people want to board 10 minutes early just so they can sit down for 10 more minutes than everyone else? I mean, I will hang around the boarding area, and once they start calling for priority boarding and whatnot, a bunch of other people start lining up for regular boarding.

Like bruh we're going to be sitting for several hours. Why are you in such a rush to sit down sooner?

I usually stand up and stretch for a while, like starting when they call for priority boarding, but don't actually get in line or board until later in the process, even if they call my zone or whatever.
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Revelation34
06/22/17 7:57:53 PM
#47:


Muffinz0rz posted...
Renraku_San posted...
CountessRolab posted...
Priority boarding aside, the real perk you should be asking about are airport lounges. They are da shit. After a few visits, you will seriously hate having to sit out at the terminal with the commoners.


Even then, who does that? I sit at a bar and monitor the time until they would be announcing final boarding then I pay my tab and head to the gate.

My biggest question is, why do people want to board 10 minutes early just so they can sit down for 10 more minutes than everyone else? I mean, I will hang around the boarding area, and once they start calling for priority boarding and whatnot, a bunch of other people start lining up for regular boarding.

Like bruh we're going to be sitting for several hours. Why are you in such a rush to sit down sooner?

I usually stand up and stretch for a while, like starting when they call for priority boarding, but don't actually get in line or board until later in the process, even if they call my zone or whatever.


To get a good seat I assume.
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CountessRolab
06/22/17 11:00:19 PM
#48:


What annoys me is when they start boarding the first group, all the inexperienced travelers (aka most of economy) herds around the boarding area and makes everything crowded. Sit the fuck down. It is going to be another 20 mins before they let you board.
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Monopoman
06/22/17 11:41:43 PM
#49:


Muffinz0rz posted...
Renraku_San posted...
CountessRolab posted...
Priority boarding aside, the real perk you should be asking about are airport lounges. They are da shit. After a few visits, you will seriously hate having to sit out at the terminal with the commoners.


Even then, who does that? I sit at a bar and monitor the time until they would be announcing final boarding then I pay my tab and head to the gate.

My biggest question is, why do people want to board 10 minutes early just so they can sit down for 10 more minutes than everyone else? I mean, I will hang around the boarding area, and once they start calling for priority boarding and whatnot, a bunch of other people start lining up for regular boarding.

Like bruh we're going to be sitting for several hours. Why are you in such a rush to sit down sooner?

I usually stand up and stretch for a while, like starting when they call for priority boarding, but don't actually get in line or board until later in the process, even if they call my zone or whatever.


Bonus 1 for boarding early: Early access to the overhead bins which on very crowded flights can fill up.
Bonus 2 for boarding early: If the plane has no assigned seats you get your choice of seat.
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CountessRolab
06/23/17 12:08:41 AM
#50:


I loathe unassigned seating.
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