I have reestablished credit over the last couple years
kekrre wrote:
Walt_K wrote:When I look at the benefits, it says the bonus is on points earned, up to 5% once you are a cardmember for 4 years or more. CSP is a 7% bonus on points earned. How does this blow CSP out of the water?
You're just looking at the wrong thing
The relationship bonus is as follows:
Annual spend <$50,000: 5%
Annual spend between $50,000 and $100,000: 10%
Annual spend >$100,000: 20%
CitiGold relationship bonus is an additional 5%, 10%, and 15% respectively for each of those spend thresholds, respectively.
CitiPrivate Bank relationship bonus is an additional 15%, 20%, and 30% respectively, for a total annual bonus of up to 50% (for high rollers!), which I think handily beats the CSP's flat 7%.
https://creditcards.citi.com/credit-cards/citi-pre
stige-card/ *click on "Additional Information" - I don't think I can link directly*
Thanks. I need to read more carefully.
Starting Score: ~500 (12/01/2008)
United Club is much better imo
1.5 points on ANYTHING is super nice
Get to meet your friends and family AT THE GATE on United flights like the good pre-911 days
$395 annual fee
but 1 point can be worth as much as 10 cents redeemable for travel.
2 free checked bag
priority boarding
priority security lines
priority baggage
club access at any Star Alliance lounges etc.
United also has the largest amount of award seating etc. Delta is almost impossible to redeem from my experience.
If you have the combos of
United Club + Ink + Sapphire + Freedom you can get over 25% rebate for first class flights if you use them right.
I travel frequently and would have LOVED to have the United card, but , alas, my BK will hold me back from that, since CHASE was burned in my BK 
That United card, and the Costco Amex are really the only two cards, I would really like to have. Oh, and that Fidelity card with the Bull on it, I'd like that one too, but those cards are nowhere in my stratosphere! LOL!
QueenofReinvention wrote:I travel frequently and would have LOVED to have the United card, but , alas, my BK will hold me back from that, since CHASE was burned in my BK
Chase can be pretty forgiving at times if you pay them back, just send them a letter stating that you would love to do business with them. I've had luck for my friends in the past.
distantarray wrote:
QueenofReinvention wrote:I travel frequently and would have LOVED to have the United card, but , alas, my BK will hold me back from that, since CHASE was burned in my BK
Chase can be pretty forgiving at times if you pay them back, just send them a letter stating that you would love to do business with them. I've had luck for my friends in the past.
It was for about 9k, so I wouldn't be able to pay that back this year. But, I'll definitely take that into consideration. I wonder how that would work, "Hey, you guys purchased a WAMU account I had in my BK, but I'd like to settle with you and pay back that money so I can get your credit products 
"
I have a business checking, savings and escrow accounts with CHASE since 2008, but, unfortunately, any credit products require personal guarantees, so I can't even apply for their business credit products either because they would pull my personal credit along with my business EIN. Boo!
Thanks for the heads up that they may take me out of the blacklist if I pay them back!
QueenofReinvention wrote:
jsucool76 wrote:
I think all the cards with the bulls are merryl lynch xDYep, you are right! That's my zodiac sign
Check out www.cards.ml.com That's the website for the Merrill Lynch cards. No on line application, have to apply over the phone. It's really not that difficult to get a ML card, and right now they are pushing the Merrill Lynch Total Merrill card. They sent me that one in error, since I was approved for the Merrill Plus card. The Accolade card? Now THAT is in a different stratesphere!
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