topic Re: CSP $95/125 AF? in Credit Cards

CSP $95/125 AF?

Anonymous — Fri, 20 Dec 2013 08:54:32 GMT

I was lurking through flyertalk forums when I noticed some people posting about a $125 AF version of the CSP. Are the benefits for this one any different from the $95 programme?

Re: CSP $95/125 AF?

09Lexie — Fri, 20 Dec 2013 08:56:19 GMT

The sign up bonus is higher with the $125 AF.

Re: CSP $95/125 AF?

Kenny — Fri, 20 Dec 2013 09:02:10 GMT

Sounds terrible if you plan on keeping it after the sign up bonus.

Re: CSP $95/125 AF?

wHiTeSoL — Fri, 20 Dec 2013 09:34:06 GMT

@KennyS2006 wrote:
Sounds terrible if you plan on keeping it after the sign up bonus.

True but awesome if you were planning on cancelling before the year is up anyways. (DW will cancel when I pick mine up next year)

Re: CSP $95/125 AF?

Anonymous — Fri, 20 Dec 2013 14:23:31 GMT

@KennyS2006 wrote:
Sounds terrible if you plan on keeping it after the sign up bonus.

Not really. The additional bonus was 10K UR. As some people value a UR around 2c, this is $200 extra, and the annual fee is $30 more. So from that view, keeping it for 6 years would still leave you ahead.

Re: CSP $95/125 AF?

Anonymous — Fri, 20 Dec 2013 14:58:32 GMT

It's seems so strange to me that they would have another version of the card with the only difference being the AF and signup bonus!

Re: CSP $95/125 AF?

Anonymous — Fri, 20 Dec 2013 15:00:27 GMT

Might be a marketing trial to see if people will pay the increased fee.

Re: CSP $95/125 AF?

FinStar — Fri, 20 Dec 2013 15:33:19 GMT

@Anonymous wrote:
Might be a marketing trial to see if people will pay the increased fee.

All lenders will experiment at one point or another with a variety of products. Not surprisingly, individuals will either see a value or simply apply for them.

Re: CSP $95/125 AF?

Kenny — Fri, 20 Dec 2013 16:36:53 GMT

@Anonymous wrote:
@KennyS2006 wrote:
Sounds terrible if you plan on keeping it after the sign up bonus.
Not really. The additional bonus was 10K UR. As some people value a UR around 2c, this is $200 extra, and the annual fee is $30 more. So from that view, keeping it for 6 years would still leave you ahead.

Well, you go ahead and have fun doing that.

Re: CSP $95/125 AF?

FinStar — Fri, 20 Dec 2013 16:40:17 GMT

@KennyS2006 wrote:
@Anonymous wrote:
@KennyS2006 wrote:
Sounds terrible if you plan on keeping it after the sign up bonus.
Not really. The additional bonus was 10K UR. As some people value a UR around 2c, this is $200 extra, and the annual fee is $30 more. So from that view, keeping it for 6 years would still leave you ahead.
Well, you go ahead and have fun doing that.

For anyone with disposable income, and as longtimelurker pointed out, the $125 AF is really a drop in the bucket and still retaining a positive value on the card in the long term.

Re: CSP $95/125 AF?

Anonymous — Fri, 20 Dec 2013 16:41:39 GMT

i can't find $125 AF version CSP .. where can i find it?

and what's the biggest differnce ? in bounus ? travel?

Re: CSP $95/125 AF?

Anonymous — Fri, 20 Dec 2013 17:43:32 GMT

The 50k point offer was a really good deal but you can't get it any more. Plus you know in a year or so they will raise every ones af to 125 now that they know people will

Pay lol.

Re: CSP $95/125 AF?

FinStar — Fri, 20 Dec 2013 18:19:05 GMT

@Anonymous wrote:
The 50k point offer was a really good deal but you can't get it any more. Plus you know in a year or so they will raise every ones af to 125 now that they know people will Pay lol.

There is no proof of this. At this point it s a targeted offer. What is your source of such info?

Re: CSP $95/125 AF?

Kenny — Fri, 20 Dec 2013 18:25:07 GMT

@FinStar wrote:
@Anonymous wrote:
The 50k point offer was a really good deal but you can't get it any more. Plus you know in a year or so they will raise every ones af to 125 now that they know people will Pay lol.
There is no proof of this. At this point it s a targeted offer. What is your source of such info?

Surprise! There is no proof. Imagine that! There are people in this world that post on the internet who just give their opinions? Shocking. Not everything posted has to or is based on fact.

As you know, it's just his opinion and we all know about those....

Re: CSP $95/125 AF?

FutureBillionaire — Fri, 20 Dec 2013 18:39:36 GMT

@FinStar wrote:
@KennyS2006 wrote:
@Anonymous wrote:
@KennyS2006 wrote:
Sounds terrible if you plan on keeping it after the sign up bonus.
Not really. The additional bonus was 10K UR. As some people value a UR around 2c, this is $200 extra, and the annual fee is $30 more. So from that view, keeping it for 6 years would still leave you ahead.
Well, you go ahead and have fun doing that.
For anyone with disposable income, and as longtimelurker pointed out, the $125 AF is really a drop in the bucket and still retaining a positive value on the card in the long term.

$125 isn't a drop in the bucket. I can get great rewards with cards that don't have annual fees. Don't let these companies fool you.

Re: CSP $95/125 AF?

FinStar — Fri, 20 Dec 2013 18:40:26 GMT

@KennyS2006 wrote:
@FinStar wrote:
@Anonymous wrote:
The 50k point offer was a really good deal but you can't get it any more. Plus you know in a year or so they will raise every ones af to 125 now that they know people will Pay lol.
There is no proof of this. At this point it s a targeted offer. What is your source of such info?
Surprise! There is no proof. Imagine that! There are people in this world that post on the internet who just give their opinions? Shocking. Not everything posted has to or is based on fact.

As you know, it's just his opinion and we all know about those....

FYI - asking for the source is a VALID opinion as well - unless this is just a "rumor", then valid sources can still count... last time I checked. BTW, thanks for pointing out the obvious Kenny.

Re: CSP $95/125 AF?

Kenny — Fri, 20 Dec 2013 18:46:36 GMT

@FinStar wrote:
@KennyS2006 wrote:
@FinStar wrote:
@Anonymous wrote:
The 50k point offer was a really good deal but you can't get it any more. Plus you know in a year or so they will raise every ones af to 125 now that they know people will Pay lol.
There is no proof of this. At this point it s a targeted offer. What is your source of such info?
Surprise! There is no proof. Imagine that! There are people in this world that post on the internet who just give their opinions? Shocking. Not everything posted has to or is based on fact.

As you know, it's just his opinion and we all know about those....
FYI - asking for the source is a VALID opinion as well - unless this is just a "rumor", then valid sources can still count... last time I checked. BTW, thanks for pointing out the obvious Kenny.

NP.

Re: CSP $95/125 AF?

FinStar — Fri, 20 Dec 2013 18:51:15 GMT

@FutureBillionaire wrote:
@FinStar wrote:
@KennyS2006 wrote:
@Anonymous wrote:
@KennyS2006 wrote:
Sounds terrible if you plan on keeping it after the sign up bonus.
Not really. The additional bonus was 10K UR. As some people value a UR around 2c, this is $200 extra, and the annual fee is $30 more. So from that view, keeping it for 6 years would still leave you ahead.
Well, you go ahead and have fun doing that.
For anyone with disposable income, and as longtimelurker pointed out, the $125 AF is really a drop in the bucket and still retaining a positive value on the card in the long term.
$125 isn't a drop in the bucket. I can get great rewards with cards that don't have annual fees. Don't let these companies fool you.

It depends on the individual and whether they see a value in having the card and if the AF justifies such value. Your line up includes BCP and CSP, so while you may obtain great rewards with CCs without AFs, then you must see some value for having both CSP/BCP.

Re: CSP $95/125 AF?

Anonymous — Fri, 20 Dec 2013 19:04:22 GMT

@finstar just FYI ( which means for your informationany "lol" is an abbreviation which means laugh out loud. When a sentence on the Internet ends with "lol" it should not be taken as a fact, it is meant as a joke.

Re: CSP $95/125 AF?

FinStar — Fri, 20 Dec 2013 19:15:30 GMT

Thanks for the FYI (lol) clarification Haroon.