Reply
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Must APP


Epcot wrote:
Woah, four approvals at once? Congrats!

Thanks.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Must APP


Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: Must APP


Dustink wrote:

Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.


Their points have a much lower redemption rate too, I believe.

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Must APP


HiLine wrote:

Dustink wrote:

Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.


Their points have a much lower redemption rate too, I believe.


That is what I meant.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Must APP

if you actually plan to use it, don't be afraid of AF's. The benefits make up for it if you actually do use them. Personally I don't stay in hotels enough to matter, most my travels are in Vietnam where most places don't even take credit cards haha


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Must APP

[ Edited ]

distantarray wrote:

if you actually plan to use it, don't be afraid of AF's. The benefits make up for it if you actually do use them. Personally I don't stay in hotels enough to matter, most my travels are in Vietnam where most places don't even take credit cards haha


I carry 1 card with an AF. The US Bank flexperks sig. They waive the AF with $2k per month in spending. Other than that. I haven't found a card that warrants and AF. It seems like it is better to have several cards with no AF. Then just use the bonus categories that each card offers, can on average earn just as many rewards with no AF's.

 

Someday I will get a no AF card that has lounge access haha

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: Must APP

Oh I thought


Dustink wrote:

HiLine wrote:

Dustink wrote:

Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.


Their points have a much lower redemption rate too, I believe.


That is what I meant.

 


Oh OK I thought you were talking about point transfer options.

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Must APP


HiLine wrote:

Oh I thought


Dustink wrote:

HiLine wrote:

Dustink wrote:

Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.


Their points have a much lower redemption rate too, I believe.


That is what I meant.

 


Oh OK I thought you were talking about point transfer options.


After I got the card. I called a rep to check out hotels and how many points they require. They gave me 3k free points after they noticed how many points it would take to get a night in a hotel near me...haha

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: Must APP


Dustink wrote:

distantarray wrote:

if you actually plan to use it, don't be afraid of AF's. The benefits make up for it if you actually do use them. Personally I don't stay in hotels enough to matter, most my travels are in Vietnam where most places don't even take credit cards haha


I carry 1 card with an AF. The US Bank flexperks sig. They waive the AF with $2k per month in spending. Other than that. I haven't found a card that warrants and AF. It seems like it is better to have several cards with no AF. Then just use the bonus categories that each card offers, can on average earn just as many rewards with no AF's.

 

Someday I will get a no AF card that has lounge access haha


My goal for next year is to have all the 3 cards with 5% bonus categories and no annual fees. :smileyhappy:

 

If that goal is accomplished early, I will look for an airlines card which grants lounge access. The first year's annual fee should be waived, so it'll be close to no AF. :smileywink:

Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: Must APP


Dustink wrote:

HiLine wrote:

Oh I thought


Dustink wrote:

HiLine wrote:

Dustink wrote:

Amex Starwood must for anyone who uses hotels regularly.




I liked the starwood, but I went with the HHonors for the no AF. Came with a nice bonus and offers many pts/$. Only problem is the points don't go as far as the starwood points.


Their points have a much lower redemption rate too, I believe.


That is what I meant.

 


Oh OK I thought you were talking about point transfer options.


After I got the card. I called a rep to check out hotels and how many points they require. They gave me 3k free points after they noticed how many points it would take to get a night in a hotel near me...haha

 


Lol @ them being embarrased about their own product

 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.