topic Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards in Credit Cards

HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 14:47:54 GMT

I have a couple of cards that I've been working on meeting the spend requirements on. All has gone well so far with them all except for the Capital One Venture. I was approved for 10k, and have to spend 3k in 3 months to get 40,000 travel miles. I have exactly two more months, and need to spend $1800 dollars. I can't pay rent with the card because my rent bill has to be paid with a money order (which would be considered a cash advance). My trusted friends and family are also meeting spend limits, so they can't assist me. Any ideas, anyone? Please help!!! Thanks

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 14:49:13 GMT

What about other bills? Cell phone, cable, even netflix could help.

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 14:50:10 GMT

And also, how should I go about doing a balance transfer on the $3k, from this card? The APR is a very ugly 22.9%. I've never done a balanced transfer before

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 14:51:43 GMT

Yes, I'm paying those bills as well, but they still won't even out to $3k.

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 14:56:55 GMT

I've also just seen something about gift cards/ prepay cards. Does anyone have any experience with using those? I'll try to find more info on those as well. Thanks

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 15:01:40 GMT

@Anonymous wrote:
I've also just seen something about gift cards/ prepay cards. Does anyone have any experience with using those? I'll try to find more info on those as well. Thanks

I think gift cards (like a Walmart gift card) would be ok. A prepaid Visa/MC/AmEx gift card on the other hand, i've heard bad stories about people trying to buy those to meet a spending requirement and having the banks reverse bonuses and blacklist people for rewards churning.

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 15:03:10 GMT

Plus mentioning that sort of thing around here is very much frowned upon.

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 15:10:47 GMT

Ok, yes, I've just seen info on what you both just mentioned. I surely don't want to be blacklisted with any of the card companies, or get on a subject that's not allowed on the forum. I was just wondering about good ways/ ideas that the limit could be met. Thanks you all!!

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

kdm31091 — Mon, 27 Apr 2015 15:11:40 GMT

Do you know any friends or family that need to make a larger purchase? Furniture, computer, etc?

You could simply go with them, pay with your card, and they can give you the money back.

If you can't find a way to meet the spend, next time it's probably more beneficial to wait to apply until you know you have enough expenses coming up to meet the spend, vs frantically trying to meet the spend. This is what causes people to overspend and overspending to get a bonus makes very little sense. Not to insult you. Just a future suggestions

I don't recommend going the gift card route but we aren't to discuss it here anyway.

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 15:16:52 GMT

The few trusted friends and family that I have, are meeting spend limits themselves, or not making large purchases, currently. I'll just see about paying some bills up ahead of time, to meet the spend, and then just do a balance transfer so I won't be stuck with that high APR. Thanks for your advice!!

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

thelethargicage — Mon, 27 Apr 2015 15:18:38 GMT

@Anonymous wrote:
I have a couple of cards that I've been working on meeting the spend requirements on. All has gone well so far with them all except for the Capital One Venture. I was approved for 10k, and have to spend 3k in 3 months to get 40,000 travel miles. I have exactly two more months, and need to spend $1800 dollars. I can't pay rent with the card because my rent bill has to be paid with a money order (which would be considered a cash advance). My trusted friends and family are also meeting spend limits, so they can't assist me. Any ideas, anyone? Please help!!! Thanks

Swing by FlyerTalk and you'll get some ideas...

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 15:21:42 GMT

Thanks Thelethargicage, I'll be sure to do that!!

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 15:25:30 GMT

Buy something you want, but don't need and don't pay it off right away...

That's what credit cards are for, right?

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 15:29:41 GMT

Thanks FlagDown, I'm going to pay some bills up, ahead of time. But that is a great idea!! . Thanks!!

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 15:36:03 GMT

Go on a cruise.

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Creditaddict — Mon, 27 Apr 2015 15:52:22 GMT

I paid our rent through RadPad this month... Cost me 2.99% but 50k miles is worth it!

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 15:56:19 GMT

How does RadPad work? I've never heard of it. Thanks!!

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Anonymous — Mon, 27 Apr 2015 15:58:36 GMT

Nevermind, Creditaddict- I'm looking into IG now. It looks VERY helpful!!! Thanks a bunch!!!!

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

Creditaddict — Mon, 27 Apr 2015 16:00:44 GMT

@Anonymous wrote:
How does RadPad work? I've never heard of it. Thanks!!

they are a free search company around here for finding available apartments on the market for rent... they work on your phone too which is kind of nice and a couple months back they introduced rent payment options also... I wouldn't use them if it wasn't for meeting the spend requirements on so many cards at once but I just set up an account and added in my apartment management info and when I want the rent paid and they charge the credit card and then mail out a check.

I actually got notice this morning that the check shoudl be delivered today.

the system has been very good for alerts at each step of the way, even sending out an email that they would be charging the card tomorrow and they suggested I called the bank to warn them (I did not and no issues) but it's pretty nice how many alerts I have gotten.

Re: HELP!! Ways to Meet Bonus Spend Requirements on Credit Cards

CreditCuriosity — Mon, 27 Apr 2015 16:04:45 GMT

@Creditaddict wrote:
@Anonymous wrote:
How does RadPad work? I've never heard of it. Thanks!!
they are a free search company around here for finding available apartments on the market for rent... they work on your phone too which is kind of nice and a couple months back they introduced rent payment options also... I wouldn't use them if it wasn't for meeting the spend requirements on so many cards at once but I just set up an account and added in my apartment management info and when I want the rent paid and they charge the credit card and then mail out a check.
I actually got notice this morning that the check shoudl be delivered today.
the system has been very good for alerts at each step of the way, even sending out an email that they would be charging the card tomorrow and they suggested I called the bank to warn them (I did not and no issues) but it's pretty nice how many alerts I have gotten.

and it isn't MS... Legit, you pay 3% approx for signup bonus that is worth alot more than the 3%.. That is the way the OP should go imo...Safe and legit.