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Found 6 results

  1. I have a fairly ample number of points on my Chase Quicken Visa (I crossed out Quicken because Chase has discontinued their relationship with them). Now that I'm thinking about it, it's actually the blue Chase "Freedom" Visa, which was substituted for the silver Chase "Quicken" Visa sometime earlier this year. Anyway, up until about a year ago, you could get a discount for air travel, e.g., you could redeem 25,000 points for $400 of travel (as opposed to getting $250 in cash). However, Chase unceremoniously changed the redemption rules, and now 25,000 points only gets you $250 of travel (as well as the option to get $250 in cash). You have to buy the travel through their own agents, so I don't think there are any discounts or transferable points. My question is the obvious one: Is there any reason *not* to take cash? If the answer is "no," then why do these credit cards offer *so many* different types of rewards, when the customers aren't getting any discounts for selecting them? Long-term agreements which they must honor? From what I see, it makes absolutely no sense not to take the cash, so what reasons are there, if any? Thanks a bunch in advance.
  2. So I was perusing my Capital One credit card charges last night and I see a $3,600 charge from Progressive Insurance. Hmm....(I) I don't insure anything with Progressive and (ii) nothing I own costs that much to insure. So I call Capital One, and Capital One conferences in Progressive. They all agree it's a fraudulent charge. I ask Progressive on whose behalf did I pay the insurance for and they wouldn't tell me, citing privacy concerns. I'm a little shocked that Progressive would accept payment on someone else's credit card for such a large amount. Capital One is usually pretty good at detecting fraud and e-mailing me of suspicious activity. I'm surprised they let such a large charge go through. Will Progressive open an investigation? Will Capital One open an investigation? Does any credit card fraud get criminally investigated? Googling suggests that I file a report with the police?
  3. Hey, so, my Chase Freedom Visa has a refer-a-friend feature, where both the referrER and the referrEE get rewards. I figure if you're going to join anyway (*), I may as well leech off you, and you can get $150 cash back (see item 2) - so just send me a PM with your first name and the email address you want to use, and we'll both reap the grim benefits. Yeah, this is pretty cheesy, but what the heck. Note: This is for the Chase *Freedom* Visa, which is their no-annual-fee, lowest-level card - I've used them for years, and Chase's online system is terrific - much improved in the last few months. This card also participates in the "Ultimate Rewards" program, and the reward points are transferable 1:1 to the Chase Sapphire cards (it works - I just did it yesterday), and if you have both cards, you *absolutely* want to transfer *all* your points to the Sapphire card (I suggest doing it now before they change their minds about allowing the transfers). If you don't transfer your points to Sapphire, then you're throwing money away - I know it sounds weird (and it *is* a very clumsy system), but the Ultimate Rewards points are worth more if they're under the Chase Sapphire account, rather than the Chase Freedom account - so make the transfer! Assuming Chase doesn't change the rules, and you aren't yet ready to take the Sapphire plunge, you can accumulate points with the no-fee Freedom Visa, and then several years from now, get the Sapphire Visa and make the transfer. Again, that's assuming that Chase doesn't change the rules, and quite honestly, I wouldn't bet the ranch on that happening. To all cardholders of the Chase Freedom Visa: I highly recommend that you put an auto-reminder into your calendars to ping you at the beginning of each quarter (Jan 1, Apr 1, Jul 1, and Oct 1), at which point you should sign in, click on each account, and enroll in their 5% bonus program. It changes each quarter, and you must re-enroll each quarter to get 5% cash back. Here is their 2016 program, which shows the categories that you'll get 5% cash back on. It costs nothing to activate, but you *must* click each account you have separately, for whatever reason (all Chase accounts will be under the same user id and password) - it takes just a few seconds to do. Note that in this quarter (which is quickly coming to an end), they're giving you *Five Percent* at restaurants - they obviously found out I was on a diet this summer. Seriously, this is a *great* feature if you have major purchases to make, and any $1,000+ purchases might want to be based around when you can get the 5% back - something to think about, for sure - this upcoming quarter includes Department Stores, so if you're going to drop $1,500 on a mattress at Bloomingdale's, that's $75 in your pocket if you wait until October. Note also: The Chase Sapphire Reserve Visa - which is the deluxe card we've all been salivating over - does not have this refer-a-friend feature. The 3%-back on dining and travel is awesome, but it's better to use Freedom's 5%, and then transfer the Freedom points over to Sapphire. You'll maximize the cash in your pocket by using both of these cards judiciously, and it pays to own both. (*) I emphasize: if you're going to join anyway. I only want you to consider this if you were going to sign up for Chase Freedom Visa anyway; I'm not trying to talk anyone into doing anything they weren't already going to do. The way this works is that I give Chase your first name (only) and email address that you wish to use, and then they send you an "invitation" to apply for the card via this program. You should be aware that whatever email address you use will probably be sold by Chase, used for marketing, etc., but that would happen anyway (unless you're still working with paper bills and the U.S. postal system). Invite your friends to Chase Freedom.to footnote2 Each friend can earn $150 bonus cash back after they are approved and spend $500 on purchases in the first three months from account opening. You can get $50 cash back for each friend, up to 10 friends, who gets and uses the card. That's up to $500 cash back!
  4. Today was a first for me - I had lunch at a restaurant (big surprise there), and gave my credit card when presented with the bill. My server asked me if I wanted to write down the tip on the *initial* bill, saying that it increases security with the new micro-chip credit cards. Fine with me - I left a 20% tip before tax, and handed her both the bill and the credit card, which she took back to the register. She then returned with the tip printed out, and I simply signed my name and left. In all my years of dining, this has *never* happened to me before. Is this going to be some kind of new thing?
  5. Have other people found this to be true? I used to be a loyal AmEx member 20 years ago, and after being told they didn't accept it at a Michelin 3-star restaurant in Paris (Lucas Carton, if anyone is curious), I left and haven't looked back. I got a rather flattering solicitation in the mail the other day, and saved it, but I'm not sure why. Airport lounges may become more-and-more important to me in the future, and that's one perk of AmEx cards - are they worth it, or not? Right now, I'm perfectly happy with the way I currently exist, but I may ramp up my level of existence at some point in the near future. Please give me your opinions as to whether AmEx cards - particularly upper-level AmEx cards - are worth it for those who dine, travel, and spend time in airports. My current situation is optimized for travel points, and I don't want to change that unless there's good reason to do so. I cannot remember the last time I paid for an airline ticket; yet, I've only been in an airport lounge once in my life, and it was a lovely experience, and my Visa cards just don't seem to provide for that. Thanks! Rocks
  6. A restaurant's friend, a diner's friend? A restaurant's friend, a diner's foe? A restaurant's foe, a diner's friend? A restaurant's foe, a diner's foe? That about covers it. Swipely
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