t******n
发帖数: 6242 | 1 Note: Members holding a Priority Pass Select membership card and Priority
Pass cardholders in the U.S. that receive their membership through a U.S.
financial institution will not be allowed access to this Lounge. |
|
s**********g
发帖数: 14942 | 2 my understanding:
usually:
no credit if u do not have SSN
no credit if u have SSN but no credit cards
no credit if u have SSN but are not a primary cardholder of any credit card,
except special ones like Amex cards
However, when u eventually get SSN, such previous history will be added to
ur profile and become ur credit history
but in any cases, having SSN is the first step to get a credit profile
Correct me if I am wrong. I don't know about ITIN cases. |
|
d*****5
发帖数: 1920 | 3 From the points guy,
3. Transfer Bonuses
Though there are no current US transfer bonuses currently (there is a juicy
50% bonus to British Airways for Canadian cardholders), Amex frequently
offers up to 50% when transferring points to partners. The most lucrative I
’ve seen in the past have been:
67% to Delta,
50% to British Airways,
50% to Starwood,
35% to Virgin Atlantic
and 35% to Air France/KLM Flying Blue.
Or you can sell those point at the fleamarket broad for at least 1.5c/p. |
|
n*******y
发帖数: 3337 | 4 June 15 changes to Hilton AXON awards, the discounted four-night awards
offered to co-branded Hilton American Express cardholders.
Starting June 15:
Category 5 hotels go up from 125,000 to 130,000 points (normally 120,000
to 160,000).
Category 6 hotels go up from 125,000 to 160,000 points (normally 120,000
to 200,000).
Category 7 hotels go up from 145,000 to 190,000 points (normally 120,000
to 240,000).
Also beginning June 15 these awards will be bookable for the new category 8,
9, a... 阅读全帖 |
|
r*********1
发帖数: 756 | 5 上次跑到版上吐槽citi,boa都悲剧了。boa愿意reco，不过个人害怕给老公hard pull,
一直很犹豫。多谢真子的意见，先查了credit report,没看到什么问题，只看到一个
boa的saving account 还有作为authorized cardholder 的一张信用卡记录。周五打电
话去exprian argue为什么信用度这么低什么的，checking account怎么没有之类的，
还有ssn的issue number没被verified什么意思。被告知报告上只会有saving account,
ssn不会提供 issue number给银行之类的，还有我开户的时候地址用与现住地址不符，
建议我先打电话去开户银行更新地址以后，寄statement,驾照复印件重新更新我的资料。
打电话去boa，发现地址用的居然是国内的地址（汗）。更新以后又顺便打电话去信用
卡部门骚扰了一下，很不服气为什么没批卡给我，抱怨说我在他家有saving,checking
账户，还有一张副卡，记录一直很好之类。客服说看不到这些信息，问了我debit卡的
号码以后，再问了下个人信息，说... 阅读全帖 |
|
n******e
发帖数: 2547 | 6 這種情況一般是以前沒有用過他們家的卡，只是爲了給你的 Charge Card 加一個
credit line，只要收入沒有虛報，問題不大。
因爲 AMEX 的 charge card 原本是沒有額度的，但是對於 new cardholder 不太放心
，所以 review 一下。收入不是特別高的給你加上一個 limit |
|
m*****a
发帖数: 2609 | 7 好是好，但是你说的那个US Airways已经not available了。现在的没这条了吧。而且
窃以为，那个是target给Chairman Level US Airways member的，说不好哪天一核对就
把not eligible的cardholder福利取消了。
不错啊，当你不打算专门花力气攒得时候，cash is better than miles&points.同样
道理，FIA AMEX，应该是人手一卡。 |
|
m**w
发帖数: 670 | 8 部分二、分类介绍信用卡的用途消费策略 (不局限于目前所持有卡)：
[1]. Chase：
Feedom ***
是现在大家都公认的赚5X points的好方法，虽然quaterly变化，但是总能想办法max
out 7500X点，一年就是30000点。我当时申请时是3%的cash back卡（合并WaMu前），
后来银行自己改program。
Amazon *
经常在amazon上买东西返还还可以吧，毕竟没年费的卡。但现在大家学聪明了，可以用
ink或者blue cash去对应的地方买amazon gc。
Ink Bold/ Plus ***
在staple等买东西（不光去买买gc，自己贩卖打印机小型electronics），缴纳att账单
，是有年费，但如果当当护士 神医做的比较大不错。
UA MileagePlus Explorer master/ UA MileagePlus Explorer Visa/ ** or *** 若侬
big spender前者其实是continental的one pass卡自动转成了UA卡（所以还是world
master而不是visa signa... 阅读全帖 |
|
m*****a
发帖数: 2609 | 9 You are kidding right? Give us your data point. (I never expect you have)
If one can buy lowe's GC and then use them to buy gas GC or amzn in local
lowes store, many freedom cardholders would have rushed to do that since you
can earn extra pts via shopping portals. |
|
n******e
发帖数: 2547 | 10 應該是新 cardholder，剛開始就刷大額。AMEX 不放心。
大筆數額的消費多了以後，後面根本不會管你 |
|
n******e
发帖数: 2547 | 11 Second night free for cardholder |
|
n******e
发帖数: 2547 | 12 照理說不能，因爲 25K 是給 new AMEX cardholder 的，你有其他的卡照理拿到 offer
就是 10K。所以申請要換瀏覽器或者清空緩存。
不過 AMEX 客服好說話，誰知道呢 |
|
s****a
发帖数: 1086 | 13 看来chase想做些改变。survey里给出了蓝宝石卡不同的benefits，问更偏好哪一个。
当然，只是survey里的，可信度不高。
看到的比现在好的benefits有：
50，000 bonus points after $3,000 spend in the first 3 months.
5,000 bonus points when you add another cardholder.
primary protection for car rental.
If you spend $20,000 in a year, you will earn 5,000 bonus points.
If you spend $30,000 in a year, you will earn 10,000 additional points –
total of 15,000 bonus points.
看到的没现在好的benefits有：
30，000 bonus points after $1,000 spend in the first 3 months.
25，000 bonus ... 阅读全帖 |
|
m*****a
发帖数: 2609 | 14 难道就是因为那个7-11能被category成Gas？ 那才多少钱啊，Freedom $1500?还是那些
常年Gas 2%, 3%卡？No, they are not a big deal to me，an ink cardholder. |
|
c**2
发帖数: 8496 | 15 let say one lounge has the conditions below, does that mean three guests
free? Or allowing 3 guests, but any guest over 3 will be charged?
Conditions:
Maximum 3 hour stay - Limited to three guests per cardholder - Children 2
years and under are admitted free - Non-smoking. |
|
s**********o
发帖数: 103 | 16 For cashback program, there are no annual cash reward maximums.
Cash rewards will not expire on this Program.
For reward points program, Annual Point Cap Maximums: Cardholders may earn a
maximum of 120,000 points
per calendar year. |
|
s**********o
发帖数: 103 | 17 For cashback program, there are no annual cash reward maximums.
Cash rewards will not expire on this Program.
For reward points program, Annual Point Cap Maximums: Cardholders may earn a
maximum of 120,000 points
per calendar year. |
|
|
|
V*s
发帖数: 2452 | 20 那是Experian的FAKO分数，我用过，不是FICO。 |
|
|
G***e
发帖数: 535 | 22 那請問與Credit Sesame的Experian FAKO比較，哪一個比較接近FICO？
謝謝 |
|
g*******w
发帖数: 679 | 23 没有可比性。FAKO和FICO模型和算法都不同，如果算出来接近的话是巧合。就算都是
FICO也有好多不同版本的FICO呢 |
|
G***e
发帖数: 535 | 24 我的Sallie Mae World MasterCard的price match是120天
是我見過最多的
每個claim最多賠$250，每年最多claim 4次
這張卡在Amazon消費還有5% cashback (書店)，挺適合在Amazon買3C產品
雖然每個月有$750的cap，但整體來說還不錯 :)
"Purchases you make entirely with your covered card are covered
for one hundred and twenty (120) days from the date of purchase
as indicated on your receipt for the difference between the price
you paid and the lower price advertised."
"Coverage is limited to the difference between the actual cost of the
item (excluding taxes, storage, ship... 阅读全帖 |
|
s********z
发帖数: 5411 | 25 Do cardholders have to fly?
I redeemed tickets for my parents a few weeks ago and have not seen miles
posted |
|
c********t
发帖数: 320 | 26 You’ll earn 20,000 points after $2,000 in purchases within the first 3
months of account opening. Earn an additional 30,000 points after another $3
,000 in purchases within the first 3 months of your second year of being a
cardmember. Cardholders earn 3 points per dollar on Dining and Entertainment
, 2 points per dollar on Airfare and Hotels, and 1 Point on all other
purchases.
link
http://creditcards.citicards.com/usc/thankyou/Premier/2013/Oct/ |
|
|
V*s
发帖数: 2452 | 28 好事情啊，11月18号起！之前搞的我都想申请WALMART-DISCOVER卡了 |
|
b*******6
发帖数: 314 | 29 SD 上有人爆料Discover IT cardholders will get their FICO for free on their
statement each month starting Nov 19. 是真的就太好了，但不知是只针对It，还是
more也有这样的福利 |
|
b*******6
发帖数: 314 | 30 貌似之给It 的cardholders，不给more，可惜了 |
|
d**********n
发帖数: 3634 | 31 Slickdeals用户说：
"Just got off the phone with chase. Existing cardholders DO NOT pay the
higher fee and are locked in at $95 a year."
操，看起来125刀年费from now on for all the new users....好不爽啊.... |
|
M****0
发帖数: 877 | 32 刚学习了一下.
For reference, the average Centurion cardholder has $16.3 million in assets
and an annual household income of $1.3 million.(from wiki)
不能不拍. |
|
m*****a
发帖数: 2609 | 33 这个是运气好，agent没有按条例办事。我之前曾经就给LD用过这个方法，没过。我还
真是用那张卡订机票的说。鬼知道agent咋就知道LD不是primary cardholder了。
所以发生了就当捡了个deal，但是不要以为它总会发生。 |
|
m**w
发帖数: 670 | 34 *Summary*
比半年之前增加9张，减少1张，1张convert，总数36。下面来分别介绍一下：
Chase (3张):
【Ritz-Carlton】
拿到target offer，14万点+免第一年年费.
该卡亮点最主要是每年三次的upgrade到Ritz-Carlton的club level（ upto 7天，但必
须是paid stays）的certificate.
但要看各个具体的酒店到底club做的怎么样。也不是每个Ritz都有club，如果有的话应
该的标准是一天四道当地特色的点心。在亚洲的不少酒店的club基本能从早上吃到晚上
不用出门。
club不光是吃，Ritz-Carlton的club提供的service is supposed to be great.当然谈
到服务就也看酒店吧，也看具体服务人员。
有人认为拿这个卡的好处是：第二年开始，每年刷$10K就能保底拿个Marriott的gold(
Ritz和Marriott的rewards program互相承认)，这样就能去Marriott / Renaissance能
用club。恩，这个是吧，但suppose年... 阅读全帖 |
|
m**w
发帖数: 670 | 35 *Summary*
比半年之前增加9张，减少1张，1张convert，总数36。下面来分别介绍一下：
Chase (3张):
【Ritz-Carlton】
拿到target offer，14万点+免第一年年费.
该卡亮点最主要是每年三次的upgrade到Ritz-Carlton的club level（ upto 7天，但必
须是paid stays）的certificate.
但要看各个具体的酒店到底club做的怎么样。也不是每个Ritz都有club，如果有的话应
该的标准是一天四道当地特色的点心。在亚洲的不少酒店的club基本能从早上吃到晚上
不用出门。
club不光是吃，Ritz-Carlton的club提供的service is supposed to be great.当然谈
到服务就也看酒店吧，也看具体服务人员。
有人认为拿这个卡的好处是：第二年开始，每年刷$10K就能保底拿个Marriott的gold(
Ritz和Marriott的rewards program互相承认)，这样就能去Marriott / Renaissance能
用club。恩，这个是吧，但suppose年... 阅读全帖 |
|
|
t**b
发帖数: 520 | 37 请问priority pass不会被没收吧? 担心和chase的one time pass一样是one time的
“Limited to two guests per cardholder”guests是免费的吗?
包子已发
感谢! |
|
s**f
发帖数: 332 | 38 昨天打算用一张amex的walmart offer买egift。怎么也通不过payment，说我
信用卡的验证码错误。最后放弃了。
今天收到amex的email，说我的卡在walmart验证错误了好几次，我一看，是另
一张amex的卡。去walmart看了看，总算明白了，原来我在walmart账号里存着
一张amex的其他卡，结尾四个数字和我打算用的这一张一样，walmart就一直
优先默认用那一张，即使我选的是后输入的那一张（因为两张卡cardholder的
名字不一样，所以我很确定昨天选的不是旧的那一个）。
今天把旧的卡删了，果然一下就通过了。可见walmart辨认卡就以最后四位数字
为准，如果不巧一样它就糊涂了。 |
|
R*********n
发帖数: 34 | 39 我有一张chase sapphire preferred卡，给LD申请了副卡。最近用此卡给LD买了回国机
票。现在LD在国内因为生病住院需要机票改签或者退票，这个可以用信用卡claim trip
cancellation吗？
只LD一人飞，我待在美国没有同行。
仔细看了信用卡的guide，在trip cancellation条款里面是这样描述的，
who is covered?
You, the Primary Insured Person, and your Immediate Family Members are
automatically covered.
这里的疑问就是LD算不算cardholder？
如果不算，我没有同行的话，LD适用“Immediate Family Member”吗？
谢谢各位提供信息！ |
|
z****l
发帖数: 5282 | 40 ☆─────────────────────────────────────☆
yfu (中英文不限) 于 提到:
刚刚客服打电话说financial review通过了，来贡献一个数据点。我上个月刚申了Amex
delta和blue cash everyday，额度一共大概是15k。这个月去买了个戒指花了7k，过
了几天Amex就打来电话确认这笔交易是不是我的，还核实了学校地址，然后CSR把电话
挂了，过了几分钟又打过来，说要financial review，我的所有的amex卡都不能用了，
登上
Amex的网页看到的是charge suspended。
CSR让我把我最近三个月的bank statements传真到800-219-8549，然后昨天我就传真过
去了，虽然我银行账户里的钱肯定足够还信用卡了，但是心里还是担心被关卡，因为之
前看到好多人都木有通过f/r，然后所有的卡就关了。今天上午打电话给financial
review department, 客服说收到了，会尽快处理，然后2个小时以后客服打来电话就通
过了。。。
我看好多人被amex要tax retur... 阅读全帖 |
|
|
|
|
|
g******g
发帖数: 1807 | 45 combine points ->other->input your ld's account#
chase貌似只允许spouse/family member间转哦。 |
|
r********h
发帖数: 5638 | 46 这个是ld的转给我，还是我的转给ld啊？
肯定是family了，要不谁也不敢啊 |
|
|
t*********u
发帖数: 26311 | 48 We have a unique opportunity before the brands merge for us to go out there
and continue to acquire new card members for the US Airways Dividend Miles p
rogram…Our goal over the period between merger and frequent flier program i
ntegration is absolutely to maximize the number of new cardholders that we c
an bring in.”
Read more: http://thepointsguy.com/2014/01/barclaycard-credit-card-contract-
with-us-airways-and-american-extended-through-2017/#ixzz2qgu2ApXx
Follow us: @thepointsguy on Twitter |... 阅读全帖 |
|
b******i
发帖数: 2536 | 49
恩，谢谢！我昨天翻到了那个小册子，上面写的是Cardholder就可以，LD有副卡，租车
的时候用的是他的名字的卡就没问题了。 |
|
m*****a
发帖数: 2609 | 50 必须主持卡人(primary cardholder)在场。当然名义这么说，是不是有人凭附卡也能混
进去就不知道了，自己去flyertalk上查查。 |
|
