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@JoeRo wrote:
I'll burn an app on it in the next few days. It will only be a soft pull anyway. I hope sometime in the next three months to be eligible.
Random question.... Is it possible to double dip with the citi version?
your chances for the Citi card is probably even lower than Amex's because you do not have any prior relationship with them on top of your thin file.
But yes, you can double dip.
You can even get 2 of the same Citi Hilton cards to get twice of that bonus.
@n777ua wrote:I always stay at the W=A in NYC, but don't get wrapped up in the history in glamour. Some of rooms are quite outdated and God help you if you order anything from room service. IIRC, they removed the mini-bars from most/all rooms so you HAVE to call for anything, even a late night Pepsi or candy bar.
In any event, based on Amex approval criterion for revolvers I would say your chances are slim to none, but YMMV. If you have an INQ to burn, try it. Let us know...
I'm glad I'm not the only one with a less-than-ideal impression of the place.
Any update here ?
With the recent devaluation of HHonors points, I heard that Citi one is better...AXON is significantly devalued as well.
@enharu wrote:what you can do is you can make payment in excess of what is required. for some auto loan companies (I've tried with Honda, Chase and BMW and they work this way), if you make payment in excess of minimum payment required, your next month's balance will be your minimum balance minus whatever you paid in excess.
So for example if you're supposed to pay 5000 each month, and you made a payment of 6000, you essentially don't have to make payments for the next 11 months. They'll still charge you interests and your amortization schedule will go back to what it is originally.
you can call your auto loan company to find out about how they deal with excess payments.
Agreed - most suto loan companies allow you to do this. I made my first payment in execess of what was due; the next month my billed amount was reduced. So I then payed the billed amount, and then made an additional payment (greater than what would have been due) to principal only. I will have the 5 yr loan paid off in well less than four.
The benefit of making additional payments is that should any financial emergency occur you can skip payments or pay less. It's a great way to build flexibility into your finances should you ever have to take advantage of it.
So I applied last night and got the 14 day message. I called this morning to find that I was declined. So I pull up my Experian report and find that Amex hasn't SP'd me since the first of March. I thought they would soft me every month since I am a current card member.
Either way, I will try again next month. I think they're getting tired of me applying once a month for cards since they always give me the 14 day message.