Search found 657 matches

by hh
Thu Sep 16, 2010 10:54 am
Forum: Cash Rebate Cards
Topic: Quarterly Reward Programs
Replies: 9
Views: 7992

Re: Quarterly Reward Programs

Thanks for the useful summary. The credit card reward programs have become so complicated that I basically give up. The 2% CS card is also on its way out. Citi/Chase joined Discover to push out the quarterly bonuses; but watch out it is not as good as Discover. It requires at least $50 to get a chec...
by hh
Tue Aug 03, 2010 5:33 pm
Forum: Cash Rebate Cards
Topic: Chase Freedom® Visa - $100 Bonus Cash Back
Replies: 3
Views: 3001

Re: Chase Freedom® Visa - $100 Bonus Cash Back

Chase is pretty nasty lately on cutting credit lines. They cut credit limits of both of our Subaru cards and Cash Rewards Card by a half, just because we have a HELOC.
by hh
Sat Jun 26, 2010 4:33 pm
Forum: Cash Rebate Cards
Topic: What was your best credit card offer ever?
Replies: 17
Views: 9390

Re: What was your best credit card offer ever?

My best credit card offer ever maybe is that they offer me a 0% APR on balance transfers and purchases for 18, 12, 7 months, $30 Statement Credit, I'm enjoying significant discounts on gift cards, travel, merchandise and more and most of all No annual fee. That is pretty good, which card is this? 1...
by hh
Wed May 19, 2010 6:58 pm
Forum: Cash Rebate Cards
Topic: What was your best credit card offer ever?
Replies: 17
Views: 9390

Re: What was your best credit card offer ever?

Best card offer is not on "amount", but on reward percentage and reward coverage. The best card for all purchases is no doubt the 2% CS card (or Fido card). The best card for everyday usage is of course the 5% Chase card (I still have two cards) and HSBC card. The best restaurant card is the Citi Fo...
by hh
Fri Jan 29, 2010 6:58 pm
Forum: Cash Rebate Cards
Topic: Somethin's happening here, what it is ain't completely clear
Replies: 7
Views: 3825

Re: HSBC sales pressure--on "grandfathered" 5%ers?

Follow-up on the HSBC credit limit reduction in 2009: for 5 of the last 8 days I've received marketing calls from HSBC pushing a for-fee protection product (and I wasn't home the other 3 days). Has anyone else had this experience? I'm beginning to wonder if this is not to sell this fairly standard ...
by hh
Sat Jan 09, 2010 1:45 pm
Forum: Cash Rebate Cards
Topic: New Citi Forward Visa: 5% at restaurants, movies, books, etc
Replies: 22
Views: 13368

Re: New Citi Forward Visa: 5% at restaurants, movies, books, etc

Got my $200 Macy's GC; they say that you can put it in our Macy's Visa card and get a refund check for the overage; but I do not have the time/energy to do that. We buy Macy's stuff very regularly.
by hh
Fri Dec 25, 2009 12:08 am
Forum: Cash Rebate Cards
Topic: Looking for new "2nd" card
Replies: 4
Views: 2819

Re: Looking for new "2nd" card

For thankyou points, cash it in (i.e., getting worthwhile GCs that one would purchase stuff anyway) ASAP, before devaluation.
by hh
Wed Dec 16, 2009 2:47 pm
Forum: Cash Rebate Cards
Topic: 9-Month Free Transunion Credit Monitor
Replies: 2
Views: 1997

Re: 9-Month Free Transunion Credit Monitor

By e-mail, but it is legit. Take a look at fatwallet on discussions of this topic.

My e-mail did not state register early stuff though. But I did apply for the settlement so it was not suspicious to me.

The site looks legit to me as well, ... I hope.
by hh
Sun Dec 13, 2009 10:03 pm
Forum: Cash Rebate Cards
Topic: 9-Month Free Transunion Credit Monitor
Replies: 2
Views: 1997

9-Month Free Transunion Credit Monitor

Due to some class action, we got Transunion (true credit) credit monitoring service for nine months (all four of us in our family!). Good value! :) Well, my FICO is not bad at all (high 700s), after all those 0% offers and several credit card applications for bonuses and rewards. Clearly, the large ...
by hh
Sun Dec 13, 2009 9:59 pm
Forum: Cash Rebate Cards
Topic: What was your best credit card offer ever?
Replies: 17
Views: 9390

Re: What was your best credit card offer ever?

Definitely the 10% reward cards by MBNA (HGW1/HGW4). We got ten of those at one time since the limit per month was $200 per card.
by hh
Wed Nov 04, 2009 12:04 pm
Forum: Cash Rebate Cards
Topic: Banks Tricks and How to Tackle Them?
Replies: 3
Views: 2259

Re: Banks Tricks and How to Tackle Them?

Pay your credit cards bill with 2 payments per month so they paid on the 15th and 30th each month. This way you will never be late on a payment. Great idea, thanks. I will give it a try. One matter to caution is that some banks get upset if one has a positive balance, thus be sure to pay only towar...
by hh
Sun Nov 01, 2009 9:16 pm
Forum: Cash Rebate Cards
Topic: Banks Tricks and How to Tackle Them?
Replies: 3
Views: 2259

Banks Tricks and How to Tackle Them?

All banks are becoming "sneaky" these days, late fees, cash advance (vs. purchase), over-limit fees, annual fees, late payment, credit line cut, reward reduction/termination, inactivity account closure, random account closure (e.g., Citi Shell MCs), etc., etc. For example, Citi offers us T-Y Points ...
by hh
Sun Nov 01, 2009 9:00 pm
Forum: Cash Rebate Cards
Topic: Keep Meijer Department Store Card?
Replies: 4
Views: 3803

Re: Keep Meijer Department Store Card?

hh--when you must use the store credit card for the best deals, complete the transaction, and immediately write a check for the amount just charged and pay it off. No need to worry about late fees, getting mixed up, etc, if you aren't able to have have auto payments set up. Thanks. Yes, I do exactl...
by hh
Sun Nov 01, 2009 8:56 pm
Forum: Cash Rebate Cards
Topic: Citi discontinuing Associated rewards card
Replies: 21
Views: 9361

Re: Citi discontinuing Associated rewards card

$12 is a really small amount in the big reward rebate arena. Do not spend time trying to catch up adn even thinking about it. There are so many versions of the AB reward card conversion. One thing for sure is that the Citi 5% EDP will soon disappear. They deleted the Citi Dividend 5% EDP offer, why ...
by hh
Sat Oct 24, 2009 8:10 am
Forum: Cash Rebate Cards
Topic: On the death of rewards...
Replies: 14
Views: 7195

Re: On the death of rewards...

The latest tricks banks use is to impose annual fees without the customers awareness (e.g., BofA tests). Beware of all these actions bank sneak up on us. It is particularlly impornt to read every T&C changes, especially the fine prints. I am afraid that annual fee may be the norm in the next few yea...
by hh
Fri Oct 23, 2009 3:04 pm
Forum: Cash Rebate Cards
Topic: HSBC -- Business Decision to Cut Limit
Replies: 17
Views: 7854

Re: HSBC -- Business Decision to Cut Limit

Eric's post reminded me of the 10% (for everything!!) MBNA cards (maximum $250 monthly) many years ago. This offer caused me to get 5-6 cards at one time (figuring our monthly charge being $1,300). I still have those cards after these cards became 1% cards. This offer was to blame for my "tons of ca...
by hh
Thu Oct 22, 2009 8:48 pm
Forum: Cash Rebate Cards
Topic: Best Cash Back Discover??
Replies: 2
Views: 2242

Re: Best Cash Back Discover??

I only use the Discover Card for the 5% Get More Offer every quarter (e.g., 5% toward restaurant this quarter). The best cash reward cards: (1) CS 2% card- no limit with a lot of benefits, (2) Citi Forward Card (5% on restaurant, etc.) with thankyou points, (3) HSBC/Associate-Citi/Chase Cash Plus (i...
by hh
Thu Oct 22, 2009 8:41 pm
Forum: Cash Rebate Cards
Topic: Keep Meijer Department Store Card?
Replies: 4
Views: 3803

Re: Keep Meijer Department Store Card?

The only store card we ever use is the Macy's Card. On the positive side, one has to use their cards to get the best discount. On the negative side, paying their bills is a real pain. They have two types of accounts: Macy's card for in-store purchases and VISA for non-Macy's purchases. I think that ...
by hh
Mon Oct 19, 2009 1:34 pm
Forum: Cash Rebate Cards
Topic: HSBC -- Business Decision to Cut Limit
Replies: 17
Views: 7854

Re: HSBC -- Business Decision to Cut Limit

Yeah, the good old days... My credit union (University of Houston Teachers Credit Union) checked my background up to the last three generations and ensured that I have up to $10,000 reserve in my bank savings account before they issued me (reluctantly) my first MC with a handsome limit of $500. I ha...
by hh
Fri Oct 16, 2009 2:01 pm
Forum: Cash Rebate Cards
Topic: HSBC -- Business Decision to Cut Limit
Replies: 17
Views: 7854

Re: HSBC -- Business Decision to Cut Limit

In those days, you were the knig when you even show your MC or VISA (clout 8) ).
by hh
Wed Oct 14, 2009 3:43 pm
Forum: Cash Rebate Cards
Topic: HSBC -- Business Decision to Cut Limit
Replies: 17
Views: 7854

Re: HSBC -- Business Decision to Cut Limit

In the very early days, most credit cards come with a nominal annual fee (and no perks). I guess I can live with that. :)

Yeah, I did say I hated annual fee; but I am adaptable. 8)
by hh
Wed Oct 14, 2009 11:29 am
Forum: Cash Rebate Cards
Topic: HSBC -- Business Decision to Cut Limit
Replies: 17
Views: 7854

Re: HSBC -- Business Decision to Cut Limit

Well, the good time may soon be over. I saw in FWF that HSBC will begin charging annual fee ($35) if one does not have an HSBC deposit account. I just closed out on all my HSBC online accounts due to low interest rate. Maybe it's time to open another online account. Consdering the benefit and rarety...
by hh
Sun Oct 11, 2009 10:20 pm
Forum: Cash Rebate Cards
Topic: Hey, hh and eric, here is a question !!
Replies: 19
Views: 8317

Re: Hey, hh and eric, here is a question !!

Eric (must be another engineer :) ) did a good job outlining the trade-offs for annual fee vs. benefit. I just want to point out that charging annual fee will be (if not already) a trend for all banks. Regulators are restricting banks on the interest rate/late fee/etc. front. Naturally, banks need t...
by hh
Thu Oct 08, 2009 11:56 am
Forum: Cash Rebate Cards
Topic: Hey, hh and eric, here is a question !!
Replies: 19
Views: 8317

Re: Hey, hh and eric, here is a question !!

Nowadays banks are cutting credit lines here and there. My principles: 1. Never pay annual fee (well, except for the Amex Starwood Card). 2. No sweat to close accounts, or being cut or closed by banks. Autually it may be a mixed blessing for me; too many cards. 3. Try to simply my credit card life. ...
by hh
Wed Sep 30, 2009 12:51 pm
Forum: Cash Rebate Cards
Topic: Citi discontinuing Associated rewards card
Replies: 21
Views: 9361

Re: Citi discontinuing Associated rewards card

I like the term "Ass Bank." :D
by hh
Tue Sep 29, 2009 7:20 pm
Forum: Cash Rebate Cards
Topic: Citi discontinuing Associated rewards card
Replies: 21
Views: 9361

Re: Citi discontinuing Associated rewards card

FWF states (as of today) that there is still 5% EDP hope for the Associated Cards, with verious versions. In sum, do not cancel the cards and take a wait-and-see attitude.

Good luck :)
by hh
Tue Sep 29, 2009 4:46 pm
Forum: Cash Rebate Cards
Topic: Citi discontinuing Associated rewards card
Replies: 21
Views: 9361

Re: Citi discontinuing Associated rewards card

That is my concern as well, the disappearing of EDP rebates. Now we have only HSBC card and two Chase Cash Plus cards for this purpose. I am afraid that HSBC may be the next to go, they just sent us some T&C changes, but fortunately nothing about removing/changing/upgrading :) the 5% EDP yet.
by hh
Mon Sep 28, 2009 6:29 pm
Forum: Cash Rebate Cards
Topic: Chase Cash Plus Rewards Card changing
Replies: 35
Views: 16567

Re: Chase Cash Plus Rewards Card changing

Chase freedom card just charged me $14.95 to avoid paying a $39 late fee for paying online on the due date. on the due date. not late. on the due date. they said the due date cut off time is 4pm ET, not 11:59pm. I asked for a waiver they said no. I told them I was going to close my account. they cl...
by hh
Mon Aug 31, 2009 9:20 am
Forum: Cash Rebate Cards
Topic: Hey, hh and eric, here is a question !!
Replies: 19
Views: 8317

Re: Hey, hh and eric, here is a question !!

I do not use autopay since I want to verify all my charges. I use autopay on all my credit cards but still verify all my charges before the autodraft each month. I have never had a dispute but I plan to call immediately (before the autopay) if I ever need to dispute a charge and then follow up with...
by hh
Sat Aug 29, 2009 8:48 pm
Forum: Cash Rebate Cards
Topic: Hey, hh and eric, here is a question !!
Replies: 19
Views: 8317

Re: Hey, hh and eric, here is a question !!

Hi Eric, Your routine credit card portfolio is very similar to mine :) The only difference is that I have got my 0% offers rolling again (remember that I quit just a few months ago?) and I also am using my HELOC to the fullest (so that I do not lose it). Thus I have about ten 4-4.5% reward checking ...
by hh
Fri Aug 28, 2009 10:36 pm
Forum: Cash Rebate Cards
Topic: Hey, hh and eric, here is a question !!
Replies: 19
Views: 8317

Re: Hey, hh and eric, here is a question !!

Michael, I know, I am walking on thin ice with my multiple credit cards and numerous reward checking accounts. My wife wants me to reduce to one credit card and one checking account. :D Last month, I switched two of my son's Chase card payments, luckliy, they reversed the late fee/finance charge whe...
by hh
Fri Aug 28, 2009 1:29 pm
Forum: Cash Rebate Cards
Topic: Hey, hh and eric, here is a question !!
Replies: 19
Views: 8317

Re: Hey, hh and eric, here is a question !!

Hi Michael, I would never cancel any credit cards, just to keep the proper utilization ratio and FICO score. The only exception was GM card when they reduced my credit line, but that was a token of protest. You do not have that many cards, thus I would highly recommend not cancelling it. As for inac...
by hh
Thu Aug 27, 2009 8:29 am
Forum: Cash Rebate Cards
Topic: New Amazon.com Bus. Card 1%/2%/3% - CASH back
Replies: 1
Views: 1697

Re: New Amazon.com Bus. Card 1%/2%/3% - CASH back

Similar to Costco Amex card offer (the 1-2-3 tiers).

I would use Citi Forward card that offers 5% rebate in thank-you points.
by hh
Mon Aug 10, 2009 3:25 pm
Forum: Cash Rebate Cards
Topic: Credit Card Processors Who Don't
Replies: 3
Views: 2337

Re: Credit Card Processors Who Don't

I vaguely remember only one such situation.
by hh
Sat Aug 08, 2009 7:15 pm
Forum: Cash Rebate Cards
Topic: Looking for a customer-friendly CC company
Replies: 3
Views: 2120

Re: Looking for a customer-friendly CC company

I agree that Chase is the "easiest" bank for all kinds of resolution. I got the 3% reward back with roof material for my Chase Professional (they did not categorize the company as construction/hardware). I got my 5% gasoline re-instated with the Shell MC. I recently got my $50K credit line back from...
by hh
Thu Aug 06, 2009 2:51 pm
Forum: Cash Rebate Cards
Topic: Looking for a customer-friendly CC company
Replies: 3
Views: 2120

Re: Looking for a customer-friendly CC company

I suggest Charles Schwab 2% card.
by hh
Mon Aug 03, 2009 12:54 pm
Forum: Cash Rebate Cards
Topic: AMEX Blue Backup
Replies: 6
Views: 3589

Re: AMEX Blue Backup

Hi Michael, Eric offered excellent advice. Your plan sounds prudent. As for simplicity, you will always need a backup card in case the main card runs into some unpredictable problems; in your case, it also covers wherever Amex is not accepted. Thus you just have one more card than essential. R, hh
by hh
Sat Jul 25, 2009 3:13 pm
Forum: Cash Rebate Cards
Topic: AMEX Blue Backup
Replies: 6
Views: 3589

Re: AMEX Blue Backup

Chase freedom is the first to go, no obvious benefit for you. The chocie between EM and CP cards lies in the frequency/amount you use gasoline and restaurant. I would carry both, but since you want simplicity; I would favor EM card.
by hh
Fri Jul 24, 2009 3:04 pm
Forum: Cash Rebate Cards
Topic: New Citi Forward Visa: 5% at restaurants, movies, books, etc
Replies: 22
Views: 13368

Re: New Citi Forward Visa: 5% at restaurants, movies, books, etc

Yes, Macy's is still a good trade. I am usually deciding between Forward vs. Chase professional (3% for restaurant) for restaurant bills. I will use Forward more.
by hh
Mon Jul 20, 2009 10:35 am
Forum: Cash Rebate Cards
Topic: This forum is dead !!
Replies: 10
Views: 4545

Re: This forum is dead !!

Welcome back, Michael :lol: You can keep me company in the "extremely conservative" club. FWF is very informative, but there are some pretty crazy folks there, spending all their time chasing $1-2 profits, and go real over-baord with it; if you know what I mean (the name is FWF effects). For example...
by hh
Sat Jul 18, 2009 9:21 am
Forum: Cash Rebate Cards
Topic: This forum is dead !!
Replies: 10
Views: 4545

Re: This forum is dead !!

Sorry I forgot about you, Iwishu :) And there are others who participate and contribute regularly, inculding Michael himself. The forum is defined by the participants, not by number of posts. I enjoy a small group of people instead of a big crowd. Even FWF has very few contributory threads, most are...
by hh
Fri Jul 17, 2009 4:44 pm
Forum: Cash Rebate Cards
Topic: This forum is dead !!
Replies: 10
Views: 4545

Re: This forum is dead !!

Sorry to hear that.

I beg to differ; there are still several party of interest (Eric, Joelmeu, Marvelous) and Peter is certainly contributing.

Best wishes,
hh
by hh
Fri Jul 10, 2009 9:00 am
Forum: Cash Rebate Cards
Topic: Citi Platinum Amex
Replies: 7
Views: 5229

Re: Citi Platinum Amex

Thanks for posting this offer. Two comments:

1. Annual fee, too high. I would never pay an annual fee just to get rebates.
2. ThankYou Points are no longer equivalent to (1:1) cash.

You may want to check out the Citi Forward Card (no annual fee).
by hh
Wed Jul 08, 2009 6:52 pm
Forum: Cash Rebate Cards
Topic: On the death of rewards...
Replies: 14
Views: 7195

Re: On the death of rewards...

Among all my credit card "portfolio", HSBC was the first (and only) one to cut limit very unresonably (both for my GM card and 5% EDP card). Chase cut several of our cash plus cards. The others (BofA, Amex, Citi, Discover) seem to be more rational at this point. Just my situation.
by hh
Sat Jul 04, 2009 11:41 am
Forum: Cash Rebate Cards
Topic: How Often to Use Sock Drawer Card?
Replies: 1
Views: 1814

Re: How Often to Use Sock Drawer Card?

HSBC is well-known to cut credit limit and/or close account due to inactivity. Citi is not that bad, but I would recommend some minimum usage (say $10) at least every 3-4 months to keep th account open/limit intact.
by hh
Mon Jun 29, 2009 7:24 pm
Forum: Cash Rebate Cards
Topic: New Citi Forward Visa: 5% at restaurants, movies, books, etc
Replies: 22
Views: 13368

Re: New Citi Forward Visa: 5% at restaurants, movies, books, etc

Citi is closing in on thankyou points (e.g., SLR), very few trades are worthwhile now with Citi thankyou points. Thus the Forward card is walking backward into my drawers to collect dust from now on.
by hh
Fri Jun 26, 2009 5:45 pm
Forum: Cash Rebate Cards
Topic: Restaurant Rewards and Amusement Parks
Replies: 6
Views: 5060

Re: Restaurant Rewards and Amusement Parks

The problem I have about Discover 5% offers such as reataurants are that I never charged to the exact limit ($200 in this case), thus wasted a bout $100 more (with only 1% rebate).
by hh
Sun Jun 21, 2009 7:58 pm
Forum: Cash Rebate Cards
Topic: HSBC -- Business Decision to Cut Limit
Replies: 17
Views: 7854

Re: HSBC -- Business Decision to Cut Limit

Eric, Congrats on getting HSBC to accommodate a high limit for the 5% EDP card 8) . It looks like a universal $500 bonus to shut our mouth. I had real bad luck this time, even after I wrote to the HSBC executive office, $5,500, not a cent more :x I think that we may soon lose the 5% EDP for HSBC car...
by hh
Fri Jun 12, 2009 11:44 am
Forum: Cash Rebate Cards
Topic: HSBC -- Business Decision to Cut Limit
Replies: 17
Views: 7854

Re: HSBC -- Business Decision to Cut Limit

No debit cards with rewards, but debit cards for the 4-5% APY Reward Checking accounts for savings purpose.

I am also getting rid (closing) many of my savings accounts (ING, Emigrant, Dollars Savings, etc.) as well, to make life simpler.

I may plan to retire, work is the most complicated animal :)
by hh
Thu Jun 11, 2009 5:42 pm
Forum: Cash Rebate Cards
Topic: HSBC -- Business Decision to Cut Limit
Replies: 17
Views: 7854

Re: HSBC -- Business Decision to Cut Limit

Hi Michael, I still treasure the days that I had only one precious Master Card with a limit of $500 (more than sufficient for my purpose). Then came the 2% rebate GE MC, then the Chemical Bank 5% Shell gas card, then all the balance transfers with grace period, ... I used to laugh at the guy in the ...
by hh
Thu Jun 11, 2009 9:10 am
Forum: Cash Rebate Cards
Topic: HSBC -- Business Decision to Cut Limit
Replies: 17
Views: 7854

HSBC -- Business Decision to Cut Limit

My GMAC card got cut from $7K to $1K, agood reason to close out this idle account. My 5% EDP HSBC card got cut from $15K to $5.5K. I wrote to the executive office, no use, they declined my request to increase my limit, claiming a business decision. This may be a trend, although I have not experience...
by hh
Wed Jun 03, 2009 6:14 pm
Forum: Cash Rebate Cards
Topic: Chase Cash Plus Rewards Card changing
Replies: 35
Views: 16567

Re: Chase Cash Plus Rewards Card changing

Still no letters for our two remaining Chase Cash Plus accounts... but we are not counting on being "forgotten" by Chase for long.
by hh
Fri May 29, 2009 11:30 am
Forum: Cash Rebate Cards
Topic: Chase Cash Plus Rewards Card changing
Replies: 35
Views: 16567

Re: Chase Cash Plus Rewards Card changing

My HSBC limit was also cut to $3,000 this month, citing my low balances. I've appealed, saying that exceeding 30% of one's limit affects one's credit rating, but don't expect much, especially now that I see here that this wasn't just me but a broad brush. I've appealed and got $500 extra line (from...
by hh
Fri May 29, 2009 11:25 am
Forum: Cash Rebate Cards
Topic: New Citi Forward Visa: 5% at restaurants, movies, books, etc
Replies: 22
Views: 13368

Re: New Citi Forward Visa: 5% at restaurants, movies, books, etc

I think that Citi is sneaky to cause poeple late fees, as simple as that. Now I check every month and PIF ASAP. No e-mail notification again. I am beginning to be "pissed off."
by hh
Mon May 18, 2009 4:39 pm
Forum: Cash Rebate Cards
Topic: New Citi Forward Visa: 5% at restaurants, movies, books, etc
Replies: 22
Views: 13368

Re: New Citi Forward Visa: 5% at restaurants, movies, books, etc

I signed up for 5000 thankyou points for paperless feature... ha, I never received any e-mail notification that the statement was ready, got a late fee for $15 and a shock when I paid for my coffee (card rejected due to the $20 unpaided bill). I called and complained, the fee was reversed. I think t...
by hh
Mon May 11, 2009 5:23 pm
Forum: Cash Rebate Cards
Topic: Chase Cash Plus Rewards Card changing
Replies: 35
Views: 16567

Re: Chase Cash Plus Rewards Card changing

Two of my Chase Cash Plus cards (actually one Chase Cash Plus and one for 5% gas) finally got the "upgrades" today, some 3% stuff. In actuality, the 5% EDP is gone as of 6/30/09. My HSBC 5% EDP card got the limit cut from $15K to $5K as well, but that is my only 5% EDP card now, besides the two Cash...
by hh
Mon Apr 20, 2009 6:00 pm
Forum: Cash Rebate Cards
Topic: Someone had to say it...
Replies: 4
Views: 3185

Re: Someone had to say it...

I would rather a board to be quiet than having trivial stuff/silly questions all the time like Fatwallet finance forum.
by hh
Wed Mar 18, 2009 10:51 pm
Forum: Cash Rebate Cards
Topic: New Citi Forward Visa: 5% at restaurants, movies, books, etc
Replies: 22
Views: 13368

Re: New Citi Forward Visa: 5% at restaurants, movies, books, etc

The Macy's GC seems promising for conversion to cash (via Macy's Visa card); but when I asked the customer center they said it could not be done at all. Student Loan rebate check seems flexible enough to be directly deposited into checking, but a bit dishonest. It's no right to cheat, especially whe...
by hh
Thu Mar 12, 2009 6:20 pm
Forum: Cash Rebate Cards
Topic: New Citi Forward Visa: 5% at restaurants, movies, books, etc
Replies: 22
Views: 13368

Re: New Citi Forward Visa: 5% at restaurants, movies, books, etc

Thanks Joel, but "TY Net" is an additional step for a very minor gain. What's the best route? They used to have Amazon GC, but gone. Macy GC is also hard to aquire. Student loan needs to apply to primary card holder account. I can not think of any benefit for my situation yet. :(
by hh
Sat Mar 07, 2009 7:58 pm
Forum: Cash Rebate Cards
Topic: New Citi Forward Visa: 5% at restaurants, movies, books, etc
Replies: 22
Views: 13368

Re: New Citi Forward Visa: 5% at restaurants, movies, books, etc

Thanks, Joel. This card would be a perfect addition to me, spending a lot on restaurant. :) Allocate some existing line from Dividend Plus and get a line for $12K. I am good to go. Thanks again, Joel! Does anyone here have experience of those thankyou points? It looks like Macy's GC is an attractive...
by hh
Mon Mar 02, 2009 11:29 pm
Forum: Cash Rebate Cards
Topic: I believe I have the best cards for rebates
Replies: 8
Views: 4632

Re: I believe I have the best cards for rebates

Oh, yes, I do the CVS 5% GCs trick as well (Like IWISHU). I tried many times but could never get the mtv card, now it is next to impossible since my daughter graduated in May 2008 (one of my card regrets).
by hh
Sun Mar 01, 2009 9:55 pm
Forum: Cash Rebate Cards
Topic: Backup to AMEX Blue
Replies: 1
Views: 1839

Re: Backup to AMEX Blue

I would use E-M card for gasoline and Chase as backup for other expenses.
by hh
Sat Feb 28, 2009 11:40 pm
Forum: Cash Rebate Cards
Topic: I believe I have the best cards for rebates
Replies: 8
Views: 4632

Re: I believe I have the best cards for rebates

They are good cards, but not the best, IMHO. It also depends on one's spending pattern as well. For me, the 5% EDP card (HSBC or Chase Cash Plus card) combined with the 3% Chase Professional card (restaurant, hardware, stationary) and 2% Charles Schwab card (for other purposes) cover all my expenses.
by hh
Fri Feb 13, 2009 5:56 pm
Forum: Cash Rebate Cards
Topic: Schwab Bank Invest First VISA Signature 2% card:
Replies: 6
Views: 6135

Re: Schwab Bank Invest First VISA Signature 2% card:

I finally subscribed to the CS 2% card since my daugther graduated last May (my grandfathered Fido 529 2% card is not as flexible as CS 2% card).
by hh
Wed Jan 07, 2009 10:35 pm
Forum: Cash Rebate Cards
Topic: Fidelity Reitrement Rewards Card - 2%
Replies: 6
Views: 5267

Re: Fidelity Reitrement Rewards Card - 2%

Well, you need to spend 12,500 to redeem to the full 2% value?

Not a good option, IMHO.
by hh
Sun Dec 07, 2008 8:48 pm
Forum: Cash Rebate Cards
Topic: Schwab Bank Invest First VISA Signature 2% card:
Replies: 6
Views: 6135

Re: Schwab Bank Invest First VISA Signature 2% card:

One needs to open a CS brokerage account to keep the rebate money. This card is heavily discussed at FWF.

I decided to skip it since I have the 2% Fido 529 card, and I simply have too many credit cards. 2% rebate does nothing to me.

Just for my own case though.
by hh
Tue Nov 25, 2008 12:03 am
Forum: Cash Rebate Cards
Topic: Chase Cash Plus Rewards Card changing
Replies: 35
Views: 16567

Re: Chase Cash Plus Rewards Card changing

Just began to use my Chase 5% EDP card last month after we exhausted our HSBC 5% EDP card ($500 annual maximum). It still shows 5% EDP after a month of spending.
by hh
Wed Nov 12, 2008 9:59 pm
Forum: Cash Rebate Cards
Topic: Make the most of your higher rebate cards
Replies: 2
Views: 2106

Re: Make the most of your higher rebate cards

A good routine: (1) I need* to buy something (say from Macy's), (2) Go to CVS to buy GC a bit less than the expected amount, (3) Use up the GC that day... Repeat... * I.e., not to spend any extra just for the sake of 5%. Note: The gift card is usually for a small amount, so this routine becomes tedi...
by hh
Sun Oct 19, 2008 7:35 pm
Forum: Cash Rebate Cards
Topic: Citi Dividend Card changed
Replies: 6
Views: 3631

Re: Citi Dividend Card changed

BTW, I finally got rid of all my 0% debts and other debts and can declare fully debt-free as of last month. :) Congratulations. I feel good for you. I have been debt free including home mortgage since 1988. It's a great feeling. Thanks; if nothing else, my wife is a lot happier (which makes me happ...
by hh
Sun Oct 19, 2008 7:31 pm
Forum: Cash Rebate Cards
Topic: Discover Card Mall Promo Nov. 01, 2008 - Jan. 04, 2009
Replies: 1
Views: 1971

Re: Discover Card Mall Promo Nov. 01, 2008 - Jan. 04, 2009

Thanks. This is an annual Discover Card promotion that Fatwallet folks abuse a lot. For me, the rare Mass malls are simply too far from my location to be wohthwhile.
by hh
Thu Oct 09, 2008 9:03 am
Forum: Cash Rebate Cards
Topic: Citi Dividend Card changed
Replies: 6
Views: 3631

Re: Citi Dividend Card changed

It seems to be a disguised universal action by Citi to reduce credit line/risk, using the excuse of inactivity. I received letters for four of our five Dividend accounts. The fact is that I did small gasoline purchases with all five cards just in early August. They must have pulled the report around...
by hh
Tue Sep 30, 2008 6:45 pm
Forum: Cash Rebate Cards
Topic: Chase Cash Plus Rewards Card changing
Replies: 35
Views: 16567

Re: Chase Cash Plus Rewards Card changing

Hey Eric, we seem to be in complete sync. I will use up my HSBC $500 annual limit pretty soon and will use my Chase now.
by hh
Tue Sep 30, 2008 11:19 am
Forum: Cash Rebate Cards
Topic: Chase Cash Plus Rewards Card changing
Replies: 35
Views: 16567

Re: Chase Cash Plus Rewards Card changing

No letter so far for any of our three Chase Cash Plus Cards; can't believe that we are so lucky :) Must be the spending patterns: we have not used any of those three cards for quite sometime.
by hh
Thu Sep 18, 2008 10:58 pm
Forum: Cash Rebate Cards
Topic: Chase Cash Plus Rewards Card changing
Replies: 35
Views: 16567

Re: Chase Cash Plus Rewards Card changing

Getting more pessimistic by the day... I have three Cash Plus Rewards cards ... no letter yet.

I have the HSBC 5% EDP card anyway.
by hh
Wed Sep 17, 2008 10:00 pm
Forum: Cash Rebate Cards
Topic: Chase Cash Plus Rewards Card changing
Replies: 35
Views: 16567

Re: Chase Cash Plus Rewards Card changing

I am still counting on the change being for the selected few... have not received any letter of notification yet.
by hh
Thu Sep 11, 2008 2:51 pm
Forum: Cash Rebate Cards
Topic: Looking for a BUSINESS CashBack Card -
Replies: 5
Views: 3763

Re: Looking for a BUSINESS CashBack Card -

I think that the Chase Business card referred above is called Chase Professional card, FYI.

I also use that card heavily for restaurant expenses, simultaneously registered in rewardsnetwork (getting 10 miles per dollar in addition to the 3% rebate).
by hh
Sat Aug 23, 2008 9:24 am
Forum: Cash Rebate Cards
Topic: What are differences between the good and bad debt?
Replies: 4
Views: 2761

Re: What are differences between the good and bad debt?

Google/search is your best friend... For example,

Mortgage is good, car loan is bad, and non-PIF credit card debt is ugly.
by hh
Sat Aug 09, 2008 11:02 pm
Forum: Cash Rebate Cards
Topic: Amex Blue Cash, another great year!
Replies: 1
Views: 2239

Re: Amex Blue Cash, another great year!

Well, congrats. If one has the 5% EDP card and 2% Fido 529/HSBC, one can get close to 3% rebate according to your EDP/non-EDP distribution; I have not even calculated the 3% restaurant card into my 5% EDP/529 combo. Of course, both my 5% EDP card and 2% 529 card were grandfathered, one can not get t...
by hh
Wed Jul 30, 2008 9:50 pm
Forum: Cash Rebate Cards
Topic: CHASE: $39 for one day late?? Need better CS
Replies: 3
Views: 2701

Re: CHASE: $39 for one day late?? Need better CS

Citi, Chase, MBNA (BofA) have been pretty nice on a courtesy waiver of late fees. You may need to call several times and request politely. If unsuccessful, try the supervisor. Good luck.
by hh
Wed Jul 16, 2008 6:13 pm
Forum: Cash Rebate Cards
Topic: Kiss Your Credit Card Goodies GOODBYE!!!
Replies: 6
Views: 4289

Re: Kiss Your Credit Card Goodies GOODBYE!!!

Eric, Points well-taken (on my part). :) However, the sense of debt seems to get my wife very much. Thus I am getting out of the "free money debt" by next month. I still have a total of $60K free money bearing 5% interest as of today. Some of this debt comes from 0% (no fee) offer. Some from BofA (o...
by hh
Thu Jul 10, 2008 4:05 pm
Forum: Gas Cards
Topic: BP Visa
Replies: 2
Views: 3712

Re: BP Visa

With the current gasoline price and upward trend, it is always good to use a good rebate card for gasoline purchases. Most (e.g., Chase, HSBC), if not all, 5% gas cards (for any brand) are gone or grandfathered. Special brand gasonline cards (e.g., BP, Mobile) are not that useful, unless one is dedi...
by hh
Tue Jul 08, 2008 12:32 pm
Forum: Cash Rebate Cards
Topic: MBNA/BofA BillPay Feature
Replies: 9
Views: 5021

Re: MBNA/BofA BillPay Feature

For all who are concerned... Be careful to deal with your credit cards which still have the BillPay with credit card features. It looks like that any delta (i.e., some forms of changes such as card conversion) from either the bank or the cardholder may put this feature at risk. Thus leave everything...
by hh
Mon Jul 07, 2008 3:00 pm
Forum: Cash Rebate Cards
Topic: Kiss Your Credit Card Goodies GOODBYE!!!
Replies: 6
Views: 4289

Re: Kiss Your Credit Card Goodies GOODBYE!!!

My wife got the 0% (no fee) offer till 8/08 (ten months of free money) from Citi Dividend card :)

Now I am getting the same offer from Citi till 2/09.

However, I (and more importantly my wife) am sick with getting into debt, thus I may not take up this offer at all.
by hh
Sat Jun 28, 2008 9:38 am
Forum: Cash Rebate Cards
Topic: Anyone heard of card issuing $50 savings bonds?
Replies: 2
Views: 3291

Re: Anyone heard of card issuing $50 savings bonds?

Yeah, don't fall into any cc traps... only cash rebate is good.
by hh
Wed Jun 04, 2008 8:27 pm
Forum: Cash Rebate Cards
Topic: CNN Finally Comes Around
Replies: 2
Views: 2474

Re: CNN Finally Comes Around

After using two Citi CashReturns cards (5% cash rebate on everything) for the past eight months, I am back to my normal cards (5% EDP/2% non-EDP) next month :(
by hh
Mon Jun 02, 2008 2:13 pm
Forum: Cash Rebate Cards
Topic: MBNA/BofA BillPay Feature
Replies: 9
Views: 5021

Re: MBNA/BofA BillPay Feature

Yes, BillPay is still good and well :D
by hh
Fri May 02, 2008 7:10 am
Forum: Cash Rebate Cards
Topic: Gas is expensive
Replies: 6
Views: 3814

Re: Gas is expensive

Yes, Citi CashReturns MC... Thanks Peter.

A bit OT: People (at FW) got crazy and over-board (IMO) with this card, charging $40K-$50K a month. I think that every offer should be taken in moderation. I "only" charge $5-6K a month. :)
by hh
Thu May 01, 2008 9:38 am
Forum: Cash Rebate Cards
Topic: Gas is expensive
Replies: 6
Views: 3814

Re: Gas is expensive

I am using the Citi Cash Return (5% for everything for three months). After the three-month honeymoon with Cash Return, I will go back to HSBC (HSBC is very sensitive to usage, one needs to charge it often to avoid inactivity closure). I have not been using Chase Cash Plus, which still ofers 5% EDP....
by hh
Thu Apr 10, 2008 4:53 pm
Forum: Cash Rebate Cards
Topic: MBNA/BofA BillPay Feature
Replies: 9
Views: 5021

Re: MBNA/BofA BillPay Feature

Or on 4/19/08 as they claimed...

I am not using BillPay on or after 4/19/08 until further notice.
by hh
Sun Apr 06, 2008 11:05 pm
Forum: Cash Rebate Cards
Topic: For those who have the Orchard Bank 2% card...
Replies: 1
Views: 2039

Re: For those who have the Orchard Bank 2% card...

I do not have any personal experience, but I heard that they are notorious on customer service and sudden term changes.

With a low limit as the norm, I did not consider this card at all (just me). :)
by hh
Sun Apr 06, 2008 6:27 pm
Forum: Cash Rebate Cards
Topic: Citicards:To Consolidate or Not?
Replies: 7
Views: 4177

Re: Citicards:To Consolidate or Not?

Like others suggested, I would not go through the trouble of consolidation.

Just leave both cards alone. If there is ever a need for credit increase (I do not see it in your case), just request it online. I did it (and got the increase) numerous times.
by hh
Tue Mar 04, 2008 1:46 pm
Forum: Cash Rebate Cards
Topic: Discover Card Promo April - June
Replies: 2
Views: 2488

Re: Discover Card Promo April - June

thanks for the heads-up :)

It comes handy for the Spring shopping (clothing/home improvement/gardening), $400 is a bit low but better than nothing.
by hh
Mon Feb 25, 2008 8:50 pm
Forum: Cash Rebate Cards
Topic: How many credit card do you have?
Replies: 17
Views: 8435

Re: How many credit card do you have?

Thanks, WW; that's pretty cool :D

I still have several grandfathered 5% EDP cards (Chase, HSBC, etc.) thus will use those until they change terms (or upgrades as they put it nicely).
by hh
Mon Feb 25, 2008 11:26 am
Forum: Cash Rebate Cards
Topic: A Credit Card Decision Support Tool
Replies: 15
Views: 9963

Re: A Credit Card Decision Support Tool

As hh opined, in general, the rewards for credit cards has trended downward lately. Just recently though, I noticed that Capital One has come out with a number of rewards cards that are quite interesting because they offer 3%-5% rewards (though not cash back) in categories like restaurants, departm...
by hh
Wed Feb 20, 2008 6:12 pm
Forum: Cash Rebate Cards
Topic: How many credit card do you have?
Replies: 17
Views: 8435

Re: How many credit card do you have?

WW: So you apply for a new DE card before you cancel the old DE card. There is a hit for FICO for new application (The new FICO rule seems to ignore it though). Further, you will not get the same credit line as the old one since you cancel it first. I just do not think that it is worth it for the ex...
by hh
Sat Feb 16, 2008 7:30 pm
Forum: Cash Rebate Cards
Topic: How many credit card do you have?
Replies: 17
Views: 8435

Re: How many credit card do you have?

Citi DE's 6% EDP rebate is only for the first twelve months, then it's 3%.
by hh
Mon Feb 11, 2008 7:47 pm
Forum: Cash Rebate Cards
Topic: Discover Card Promo Jan - March 2008
Replies: 11
Views: 5869

Re: Discover Card Promo Jan - March 2008

This is the fourth time I tried for my daughter to apply for the 5% restaurant (among others) rebate Citi mtv card during her last year in college... guess what? Rejection again! Reason: high debt to income ratio. Hey, Citi, this is a student with normal Stafford Loans without any other debts... Wha...
by hh
Mon Feb 11, 2008 2:55 pm
Forum: Cash Rebate Cards
Topic: Chase Freedom Visa?
Replies: 12
Views: 6134

Re: Chase Freedom Visa?

I DO pay at the pump for Tobacco Plus. So guess that one is just gonna slip on by.. How do you tell on the Pentagon statement what percent you get for what purchases? Most of my gas purchases have been coded correctly on my Chase Rewards card (grandfathered 5% program). We always get the cheapest c...
by hh
Sun Feb 10, 2008 1:11 am
Forum: Cash Rebate Cards
Topic: Chase Freedom Visa?
Replies: 12
Views: 6134

Re: Chase Freedom Visa?

I have Chase Professional card that gives 3% to restaurant, gasoline, and hardware stores. Yes, coding is a big problem since one would not know beforehand whether the purchase would qualify. It is mostly after the fact. Thus I usually do a trial charge to ensure it belongs to the 3% category. Once ...
by hh
Sun Feb 10, 2008 1:06 am
Forum: Cash Rebate Cards
Topic: Discover Card Promo Jan - March 2008
Replies: 11
Views: 5869

Re: Discover Card Promo Jan - March 2008

Great informative description, Eric. :)
by hh
Sat Feb 09, 2008 8:23 pm
Forum: Cash Rebate Cards
Topic: Discover Card Promo Jan - March 2008
Replies: 11
Views: 5869

Re: Discover Card Promo Jan - March 2008

aa.rewardsnetwork.com

About 3 miles per dollar for selected restaurants.
by hh
Sat Feb 02, 2008 11:24 am
Forum: Cash Rebate Cards
Topic: How many credit card do you have?
Replies: 17
Views: 8435

Re: How many credit card do you have?

Add the Discover card (5% restaurant rebate) to my wallet. :)
by hh
Sat Feb 02, 2008 11:22 am
Forum: Cash Rebate Cards
Topic: Discover Card Promo Jan - March 2008
Replies: 11
Views: 5869

Re: Discover Card Promo Jan - March 2008

I signed in with my AA restaurant rewards network with the discover card, double dipping on 5% rebate plus 250 bonus miles per $25 (selected) restaurant expenses (in addition to the 3 miles per dollar). :D
by hh
Sat Jan 26, 2008 12:05 pm
Forum: Cash Rebate Cards
Topic: Discover Card Promo Jan - March 2008
Replies: 11
Views: 5869

Re: Discover Card Promo Jan - March 2008

Thanks. I just signed up with the 5% restaurant offer. $200 a month (for February only) is sufficient for me. :)

Just cashed in for my Discover Card rebate ($200) and got it within two days (ACHed into my savings account). :D
by hh
Sat Jan 26, 2008 11:19 am
Forum: Cash Rebate Cards
Topic: MBNA/BofA BillPay Feature
Replies: 9
Views: 5021

Re: MBNA/BofA BillPay Feature

Thank much. :) I am aware of that (inurance, employment, etc.). I do not think my FICO is too bad (around 710), bank still send me 0% offers, thus my FICO may be ok. I am with AMICA for 30 years, I doubt that they will increase my insurance rate. I am about to retire, do not care too much about new ...
by hh
Fri Jan 25, 2008 10:09 am
Forum: Cash Rebate Cards
Topic: MBNA/BofA BillPay Feature
Replies: 9
Views: 5021

Re: MBNA/BofA BillPay Feature

I will be cc-debtfree by the end of January. Well, almost... I took up another $10K 6-month 0% offer ($75 fee) under my wife's name. :) All these MBNA/BofA cards came under the 10% cash rebate MBNA offer (HW1/HW4) way back. All cards are sitting at zero balance most of the time. I only use 1-2 cards...
by hh
Thu Jan 24, 2008 2:20 pm
Forum: Cash Rebate Cards
Topic: MBNA/BofA BillPay Feature
Replies: 9
Views: 5021

MBNA/BofA BillPay Feature

Some folks are aware of this hidden advantage with BofA BillPay (mainly 1-2 months interest earning due to float). I have about ten MBNA cards at ibsnetaccess.com and five BofA cards at BofA website that I can use toward bill payments for float. Many claimed that this nice feature is ending on 1/19/...
by hh
Sun Jan 13, 2008 3:27 pm
Forum: Cash Rebate Cards
Topic: Balance Transfers: Please Post Balance Transfer Experiences
Replies: 14
Views: 9163

Re: Balance Transfers: Please Post Balance Transfer Experiences

But... If you have $25000 credit card balance on an expiring 0% offer, rather than paying it off, you pay $500 transfer fee and transfer it. $25000 will earn $1875 on a 18 month CD at 5%. If you can't pay off without borrowing, then the case is much stronger. 0%, no transfer fee cards are becoming ...
by hh
Fri Jan 11, 2008 9:21 pm
Forum: Cash Rebate Cards
Topic: Any legitimate 2.0% cards?
Replies: 22
Views: 24419

Re: Any legitimate 2.0% cards?

Yeah, $5K per month on a single card is beyond my spending pattern. :)
by hh
Wed Jan 09, 2008 8:34 pm
Forum: Cash Rebate Cards
Topic: Pentagon Visa Card Platinum Gas Cash Reward improved
Replies: 9
Views: 8108

Re: Pentagon Visa Card Platinum Gas Cash Reward improved

Good offer, but why would I use it when I have the 2% Fido 529 card, 1.5% Fido card, and the 5% EDP HSBC card? Oh, right, they were all grandfathered and no longer available :)
by hh
Wed Jan 09, 2008 8:26 pm
Forum: Cash Rebate Cards
Topic: Balance Transfers: Please Post Balance Transfer Experiences
Replies: 14
Views: 9163

Re: Balance Transfers: Please Post Balance Transfer Experiences

I will never touch any 0% offer without the cap on transaction fee further, $75 is my maximum for transaction fee. Most of my offers were without transaction fees. Nowadays, this type of offers have gone with the subprime wind. :(
by hh
Fri Jan 04, 2008 2:23 pm
Forum: Cash Rebate Cards
Topic: Discover Card Promo Jan - March 2008
Replies: 11
Views: 5869

Re: Discover Card Promo Jan - March 2008

thanks :)
by hh
Fri Jan 04, 2008 2:21 pm
Forum: Cash Rebate Cards
Topic: How many credit card do you have?
Replies: 17
Views: 8435

Re: How many credit card do you have?

I have five cards in my wallet:

1. Chase 5% gas (grandfathered),
2. Amex Starwood
3. Amex Costco (3-2-1%)
4. Fido 529 2% (grandfathered)
5. HSBC Platinum Cash 5% EDP
by hh
Wed Dec 26, 2007 7:31 pm
Forum: Other Rewards Cards
Topic: Hilton HHonors Platinum Credit Card for AMX NEW OFFER!!!
Replies: 3
Views: 9062

Re: Hilton HHonors Platinum Credit Card for AMX NEW OFFER!!!

Amex Starwood increased their annual fee from $35 to $45, but I think its benefits are still the best in the industry. :)
by hh
Wed Dec 26, 2007 5:10 pm
Forum: Cash Rebate Cards
Topic: Chase Freedom and Citi Driver's Edg3
Replies: 17
Views: 7465

Re: Chase Freedom and Citi Driver's Edg3

Except checking account does not bear interest and saving account allows only 3 payment for billpay. Thus I feel much more comfortable for hands-on "manual" real-time payments. Further, automatic payment makes me forget to check each charge carefully after a while. Just me :)
by hh
Sat Dec 22, 2007 7:53 pm
Forum: Cash Rebate Cards
Topic: Chase Freedom and Citi Driver's Edg3
Replies: 17
Views: 7465

Re: Chase Freedom and Citi Driver's Edg3

Eric,

Like Peter, I am an engineer. Thus I enjoy "timing" each credit card payment to the "accuracy" of within 1-2 days before the due date, payment fund coming out from my 5-6% interest-bearing saving account. It is exciting but can be nerve-challenging sometimes. :D
by hh
Wed Dec 19, 2007 5:05 pm
Forum: Cash Rebate Cards
Topic: Any legitimate 2.0% cards?
Replies: 22
Views: 24419

Re: Any legitimate 2.0% cards?

I am paying the last tuition bill for my daughter. I still plan to continue using my 529 2% card, without the 529 tax advantages. In essence, it is a near-2% card without the 529 tax benefit. Not quite sure I understand. I have the same 529 card for my son. Are you saying it's a 2.0% Cash Back Card...
by hh
Tue Dec 18, 2007 11:43 am
Forum: Cash Rebate Cards
Topic: Chase Freedom and Citi Driver's Edg3
Replies: 17
Views: 7465

Re: Chase Freedom and Citi Driver's Edg3

Michael, I don't blame you to be confused. Imagine I have ten cards in my "fatwallet" and I have to think real hard (senior moment) which card to use when facing the bills. Well, if two backup cards have similar benefits, pick one randomly will not impact your performance (from optimization Theory))...
by hh
Mon Dec 17, 2007 7:13 pm
Forum: Cash Rebate Cards
Topic: Chase Freedom and Citi Driver's Edg3
Replies: 17
Views: 7465

Re: Chase Freedom and Citi Driver's Edg3

hh: Actually, is the 2 card approach (AMEX for everything and Chase Freedom for wherever they don't take AMEX) a better plan than the three card plan, which includes Citi Driver's Edge? :? :? Since you are asking me now, the answer is "yes," I prefer the 2-card approach vs. the 3-card approach. Sim...
by hh
Mon Dec 17, 2007 2:21 pm
Forum: Cash Rebate Cards
Topic: Chase Freedom and Citi Driver's Edg3
Replies: 17
Views: 7465

Re: Chase Freedom and Citi Driver's Edg3

Yes, it sounds like a good plan... just do not attempt to teach your wife about this usage. It is much better/prudent just to hand her one (at most two) card, say Amex, for all purposes. :) I am speaking from experience. 8)
by hh
Mon Dec 17, 2007 1:45 pm
Forum: Cash Rebate Cards
Topic: Any legitimate 2.0% cards?
Replies: 22
Views: 24419

Re: Any legitimate 2.0% cards?

I am paying the last tuition bill for my daughter. I still plan to continue using my 529 2% card, without the 529 tax advantages. In essence, it is a near-2% card without the 529 tax benefit.
by hh
Mon Dec 17, 2007 1:42 pm
Forum: Cash Rebate Cards
Topic: Chase Freedom and Citi Driver's Edg3
Replies: 17
Views: 7465

Re: Chase Freedom and Citi Driver's Edg3

Hi Michael, The two main category is EDP and non-EDP. Then the third category is "special" (e.g., building material, restaurant). For my case, HSBC for 5% EDP, and others (now 5% CashReturn, later 2% Fido 529). Thus you can use those two "primary cards" most of the time and use the third when needed...
by hh
Sat Dec 08, 2007 7:31 pm
Forum: Small Business Rewards Cards
Topic: Chase Business Cash Rewards Card
Replies: 6
Views: 8374

Re: Chase Business Cash Rewards Card

I also have the above Chase 3% Business card (actually two cards). One thing to watch out for getting the 3% rebate is the store has to be coded for such rebate (e.g., home improvment stores). I purchased $4000 worth of roof materials and only found out after the billing cycle that they do not quali...
by hh
Thu Nov 29, 2007 12:27 pm
Forum: Cash Rebate Cards
Topic: DiscoverCard CashBack Promotion
Replies: 7
Views: 4506

Re: DiscoverCard CashBack Promotion

Agree, Eric :) Further, these offenders always go over-board and ruin good deals for the rest of us. For example, there were people visited four malls (and did returns right after getting GCs) and getting $800 Discover GCs for this deal. This will surely kill this Discover deal for the upcoming years.
by hh
Fri Nov 23, 2007 12:56 pm
Forum: Cash Rebate Cards
Topic: DiscoverCard CashBack Promotion
Replies: 7
Views: 4506

Re: DiscoverCard CashBack Promotion

Yeah, some of the Fatwllet people are taking full advantage of the loophole, not me. There is a line draw for stuff like that.
by hh
Wed Nov 21, 2007 10:23 am
Forum: Airline Miles Cards
Topic: I spend 85k-110k a year on my gold amex, is their a better c
Replies: 4
Views: 5901

Re: I spend 85k-110k a year on my gold amex, is their a better c

I agree with allmaya on Starwood card if one does heavy traveling. The annual fee was slightly increased lately, but still a worthwhile deal. On the other hand, I do not travel that much and do not stay at hotels that often. Thus I am thinking of cancelling the Starwood card... I hate annual fees an...
by hh
Tue Nov 20, 2007 3:38 pm
Forum: Cash Rebate Cards
Topic: Gas is expensive
Replies: 7
Views: 4567

Re: Gas is expensive

No speedy gas around here in Boston...

Keep using HSBC for th 5% EDP, 5% Chase legacy card, and 5% EDP Chase Cash Plus cards. :D
by hh
Mon Nov 05, 2007 12:25 am
Forum: Cash Rebate Cards
Topic: Washington Post Article 11/4/07
Replies: 2
Views: 2145

Re: Washington Post Article 11/4/07

Excellent article, thanks Peter.

The major game for credit cards is the 0% offer, with much more gains. But such offers seem to be diminishing due to the increasing transaction fee (3% without cap) and shortened period (from 12 months to 6 months).
by hh
Wed Oct 17, 2007 1:06 pm
Forum: Cash Rebate Cards
Topic: Cash Back Cards Without Annual Limits?
Replies: 12
Views: 6731

Re: Cash Back Cards Without Annual Limits?

I am putting all my Citi Dividend cards in the drawers since they "upgraded" their 5% EDP program.

I am using my Citi CashReturns card (5% for all purchases) exclusively for the next three months. 8)
by hh
Sat Oct 13, 2007 8:29 pm
Forum: Cash Rebate Cards
Topic: Citi CashReturns(SM) MasterCard®
Replies: 5
Views: 3323

Re: Citi CashReturns(SM) MasterCard®

Michael: One has 90 days for large purchases (for anything) that earns 5%. There are all kinds of ways people are taking advantage of this offer as delineated at http://www.fatwallet.com/t/52/753735/, some are getting more than $1,000 rebate for the frist months. :) I plan to pay my daughter's tutio...
by hh
Fri Oct 12, 2007 10:52 am
Forum: Cash Rebate Cards
Topic: Citi CashReturns(SM) MasterCard®
Replies: 5
Views: 3323

Re: Citi CashReturns(SM) MasterCard®

I moved credit limit from my Citi Dividend card (now useless by 10/13/07) to make a $15.5 K limit for this card. The nice thing about this card is that there is no rebate limit. I can use it to pay tuition, make large purchases (any purchase), or with some tricks to turn credit into cash (i.e., if I...
by hh
Sat Sep 22, 2007 9:38 pm
Forum: Cash Rebate Cards
Topic: Losing my grandfathered Citi 5% edp
Replies: 20
Views: 8611

Re: Losing my grandfathered Citi 5% edp

Thanks much, IWISHU. for the advance warning on HSBC reward claim. :)

I may use the HSBC card a few times (to ensure activities), but still use my Chase Cash Plus cards for my main EDP usage.
by hh
Fri Sep 21, 2007 6:19 pm
Forum: Cash Rebate Cards
Topic: Losing my grandfathered Citi 5% edp
Replies: 20
Views: 8611

Re: Losing my grandfathered Citi 5% edp

Hi hh. Are you thinking that even AMEX Blue might go the 1% route? Do you think that they will raise the $6500 spending tier also? If all cards paid 1%, all you'd have to do is have a couple of them (i.e., two), and settle down. There would be no more rushing to get the next, latest, greatest deals...
by hh
Fri Sep 21, 2007 10:41 am
Forum: Cash Rebate Cards
Topic: Losing my grandfathered Citi 5% edp
Replies: 20
Views: 8611

Re: Losing my grandfathered Citi 5% edp

Just an update: By writing to the HSBC executive office, my HSBC 5% EDP account is reopened. Thanks HSBC!! :D
by hh
Fri Sep 21, 2007 10:39 am
Forum: Cash Rebate Cards
Topic: Citi CashReturns(SM) MasterCard®
Replies: 5
Views: 3323

Re: Citi CashReturns(SM) MasterCard®

Got it for $7.5K, this will come in handy for my daughter's tuition bill in December. :D
by hh
Fri Sep 21, 2007 10:32 am
Forum: Cash Rebate Cards
Topic: A Credit Card Decision Support Tool
Replies: 15
Views: 9963

Re: The credit card rebate game ...

Ever since you predicted there eventually being only "1-2 rebate cards, with non-attractive terms", I've been tuned into watching things unfold. So far, it seems as if the number of choices is continuing to grow, but the benefits do seem to be reducing gradually. As the number of choices grows, the...
by hh
Sat Sep 15, 2007 10:04 pm
Forum: Cash Rebate Cards
Topic: Citi CashReturns(SM) MasterCard®
Replies: 5
Views: 3323

Re: Citi CashReturns(SM) MasterCard®

This is an excellent card. People can maximize their rebate by paying large expenses (e.g., tuition).
by hh
Mon Sep 10, 2007 12:50 pm
Forum: Cash Rebate Cards
Topic: Losing my grandfathered Citi 5% edp
Replies: 20
Views: 8611

Re: Losing my grandfathered Citi 5% edp

Lucky for you, Eric. :)
by hh
Mon Sep 10, 2007 10:12 am
Forum: Cash Rebate Cards
Topic: Cash Back Cards Without Annual Limits?
Replies: 12
Views: 6731

Re: Cash Back Cards Without Annual Limits?

Moomoox4 asked This is the first time I have heard that the same company (Citi) would give you a second card of the same kind...i.e. Dividend. Did you have to do something special or different for that? They are offering still the 5% on EDP for new cards. Anyone with good credit can obtain multiple...
by hh
Mon Sep 10, 2007 10:07 am
Forum: Cash Rebate Cards
Topic: Trading Chase Cards
Replies: 5
Views: 3097

Re: Trading Chase Cards

Thanks. I do have BofA Bill Pay and use it for all my payments. However, I also use FIA (5 MBNA cards) float to get a full two-month interests, thus complicating matters a bit :) I guess that I can sych up all payments, but am too tired to do that. I put some of my savings in BofA Savings that bears...
by hh
Fri Sep 07, 2007 3:26 pm
Forum: Cash Rebate Cards
Topic: Trading Chase Cards
Replies: 5
Views: 3097

Re: Trading Chase Cards

Yes Peter, returning to simplicity is both wise and profitable. :)

I am still in my endless credit card bill vicious cycles (it seems that at least one bill is due any day). Once I get out of them, I shall pull out my Amex Blue Cash from my files. :D
by hh
Fri Sep 07, 2007 10:24 am
Forum: Cash Rebate Cards
Topic: Trading Chase Cards
Replies: 5
Views: 3097

Re: Trading Chase Cards

You are trying to expand while I am trying to simplify :D Once the 5% EDP cards are all gone, it may be simpler just to use Amex Blue Cash (simplicity is great gain). It is a real pain to pay ten credit card balances a month. I would use BP as a backup card since the restaurant rebate is a big plus ...
by hh
Fri Sep 07, 2007 10:17 am
Forum: Cash Rebate Cards
Topic: Citi or AMEX for EDP under $6500?
Replies: 1
Views: 1912

Re: Citi or AMEX for EDP under $6500?

Citi Dividend card after upgrades is of no use for me. I would not use the 2% EDP at all. Amex Blue Cash is much simpler and profitable, once Chase/HSBC are done with their eventual "upgrades". I still have my grandfathered Chase Freedom that provides 5% rebate on gasoline purchases. I will miss the...
by hh
Fri Sep 07, 2007 10:08 am
Forum: Cash Rebate Cards
Topic: Losing my grandfathered Citi 5% edp
Replies: 20
Views: 8611

Re: Losing my grandfathered Citi 5% edp

My 5% EDP with Citi Dividend cards is officially over, received upgrade letter (by 10/13/07) for all my cards. :( I still have three Chase Cash Plus cards and the HSBC card, feel like fighting a losing war. :) hh, Well, you can continue trying to improve your credit score like you said some months ...
by hh
Thu Aug 30, 2007 9:52 am
Forum: Cash Rebate Cards
Topic: Losing my grandfathered Citi 5% edp
Replies: 20
Views: 8611

Re: Losing my grandfathered Citi 5% edp

My 5% EDP with Citi Dividend cards is officially over, received upgrade letter (by 10/13/07) for all my cards. :(

I still have three Chase Cash Plus cards and the HSBC card, feel like fighting a losing war. :)
by hh
Mon Aug 27, 2007 6:41 pm
Forum: Cash Rebate Cards
Topic: Losing my grandfathered Citi 5% edp
Replies: 20
Views: 8611

Re: Losing my grandfathered Citi 5% edp

Spoke too soon...

Two of my Citi cards got hit today (10/13/07 upgrade) :(

Time to pull out of HSBC card (I still have two Dividend cards with 5% EDP).
by hh
Mon Aug 27, 2007 12:13 pm
Forum: Cash Rebate Cards
Topic: Losing my grandfathered Citi 5% edp
Replies: 20
Views: 8611

Re: Losing my grandfathered Citi 5% edp

Seems like they are doing phased "upgrade." I still have four Citi EDP 5% cards so far. Keep my fingers crossed.
by hh
Fri Aug 17, 2007 2:47 pm
Forum: Cash Rebate Cards
Topic: Wachovia Rewards ByeBye
Replies: 2
Views: 2617

Re: Wachovia Rewards ByeBye

Too bad, but not surprising.

Chase, Citi, and BofA (MBNA, etc.) still seem to have the most rebate cards.
by hh
Fri Aug 17, 2007 2:43 pm
Forum: Cash Rebate Cards
Topic: Best card for college tuition?
Replies: 7
Views: 4727

Re: Best card for college tuition?

Discover card sometimes offer 5% rebate for tuition.

Citi (universal card) used to offer 5% rebate for everything (good old time).

Fido 529 (grandfather version) offers 2% for everything.

Fido card offers 1.5% for everything.
by hh
Mon Jul 23, 2007 10:37 am
Forum: Cash Rebate Cards
Topic: Cash Back Cards Without Annual Limits?
Replies: 12
Views: 6731

Re: Cash Back Cards Without Annual Limits?

More fundamental question is why one would need a no-limit card. if one spends more than $6,000 on EDP, just get another 5% EDP card (realizing most 5% EDP cards are gone though). I have three Citi Dividend cards that still give 5% EDP, two Chase Cash Plus cards, and an HSBC 5% card. Chase 3% Profes...
by hh
Mon Jul 23, 2007 10:28 am
Forum: Cash Rebate Cards
Topic: HSBC Direct Reward: 5% on EDP is back.
Replies: 13
Views: 6485

Re: HSBC Direct Reward: 5% on EDP is back.

To be on the safe side, just use this card (HSBC) for 5% EDP, there are plenty of other cards that will give more than 1% for all other purchases.
by hh
Fri Jul 20, 2007 8:16 pm
Forum: Cash Rebate Cards
Topic: HSBC Direct Reward: 5% on EDP is back.
Replies: 13
Views: 6485

Re: HSBC Direct Reward: 5% on EDP is back.

The annual rebate limit of $500 is also pretty generous. :)
by hh
Sun Jul 08, 2007 3:46 pm
Forum: Cash Rebate Cards
Topic: Need some recommendations- thanks!
Replies: 9
Views: 6131

Re: Need some recommendations- thanks!

Eric summarized it pretty well. Just three notes: 1. The 5% EDP cards still exist, but mostly are grandfathered ones, not for new applications. 2. Both Chase professional and Amex Costco offer 3% restaurant rebates. 3. The 2%-everything card is rare, mostly by invitation or grandfathered (e.g., HSBC...
by hh
Tue Jul 03, 2007 10:17 am
Forum: Cash Rebate Cards
Topic: Cashback at $200 thresholds vs Cashback annually
Replies: 4
Views: 2902

Re: Cashback at $200 thresholds vs Cashback annually

Michael echoed my sentiments before I could write them. I don't mind playing some games to earn more cash, but there is a tradeoff between the ease of a couple of cards and elaborate systems that require lots of effort. I like the simplicity of telling my wife "use Amex always, then pick (visa/MC o...
by hh
Tue Jul 03, 2007 10:07 am
Forum: Cash Rebate Cards
Topic: For Peter
Replies: 4
Views: 2825

Re: For Peter

Does anyone know what Chase will offer in the "death letter"? Has anyone gottent this yet? I suspect we will go to Amex Blue once Chase kills the 5% rebate on EDP. Some at FWF (fatwallet.com) claimed that they received the "death letter" recently, but they seem to be in the minority at this time. B...
by hh
Sat Jun 30, 2007 12:27 pm
Forum: Cash Rebate Cards
Topic: For Peter
Replies: 4
Views: 2825

Re: For Peter

The 5% EDP rebate (upgrade) is definitely in the form of a slow/gradual death. FYI: We received one letter (of upgrade) among our five Citi Dividend accounts; and we have not received any letter from Chase for our three Cash Plus 5% accounts. Both Citi and Chase seem to go by "seniority" and some ot...
by hh
Sun Jun 17, 2007 1:11 pm
Forum: Cash Rebate Cards
Topic: Any legitimate 2.0% cards?
Replies: 22
Views: 24419

Re: Any legitimate 2.0% cards?

I *really* hesitate to mention another HSBC card, but I've heard some stories of people being offered $2000 credit limits and no annual fee on the HSBC 2% card that pays 2% back on everything, up to $400 cash back per year. You could see if they offer it to you by applying here (I understand it doe...
by hh
Tue Jun 12, 2007 4:31 pm
Forum: Cash Rebate Cards
Topic: HSBC Direct Reward Platinum Card, Still 5%?
Replies: 6
Views: 7932

Re: HSBC Direct Reward Platinum Card, Still 5%?

Eric, is the annual max for Cash Plus card $300 or $600? Are you talking about Cash Plus card or reward plus card that has the $600 limit? Thanks. It's the Chase Rewards Plus, and the $600/year is just the limit on cash rewards; if you'll accept gift certificates (with the same up-to-1%-depending-o...
by hh
Sun Jun 10, 2007 6:11 pm
Forum: Small Business Rewards Cards
Topic: Chase Business Cash Rewards Card
Replies: 6
Views: 8374

Re: Chase Business Cash Rewards Card

It is good if we have the flat 1.8% for all expenses, but one needs to spend $2000/month to even reach the higher tier for this card. I will stick with my Fido 529 2% (grandfathered) card. :)

BTW, most (gold) cards offer some rental car insurance, it's no big deal IMO.
by hh
Sat Jun 09, 2007 4:02 pm
Forum: Cash Rebate Cards
Topic: HSBC Direct Reward Platinum Card, Still 5%?
Replies: 6
Views: 7932

Re: HSBC Direct Rewards Gone?

I got an HSBC card but never used it after I heard in this forum that the 5% was gone. At the same time Chase Rewards which gives 5% on EDP increased the annual maximum (cash-back part, they have other offers tied to merchants) to $600 which take care of most of my groceries/drugs/gas purchases (I ...
by hh
Thu Jun 07, 2007 6:53 pm
Forum: Cash Rebate Cards
Topic: Citi® Dividend Platinum Select® Card 5% CashBack is back
Replies: 2
Views: 2999

Re: Citi® Dividend Platinum Select® Card 5% CashBack is back

That's for new applications, I assume?
by hh
Wed Jun 06, 2007 8:39 am
Forum: Cash Rebate Cards
Topic: Good Rewards Card
Replies: 16
Views: 7422

Re: Good Rewards Card

nm.
by hh
Wed Jun 06, 2007 8:28 am
Forum: Cash Rebate Cards
Topic: Good Rewards Card
Replies: 16
Views: 7422

Re: Good Rewards Card

double post.
by hh
Wed Jun 06, 2007 8:25 am
Forum: Cash Rebate Cards
Topic: Good Rewards Card
Replies: 16
Views: 7422

Re: Good Rewards Card

How much do the low interest rate balance transfers pull down your FICO score? I currently have about $40k out on $200k of credit card limits. And how long does it take to raise the FICO score back up? I Still got a huge HELOC ($200K of "good debt") last week, so not that urgent for me to enhance m...
by hh
Mon Jun 04, 2007 11:57 am
Forum: Cash Rebate Cards
Topic: Dividend Platinum now Dividend World MasterCard?
Replies: 1
Views: 2036

Re: Dividend Platinum now Dividend World MasterCard?

I still have the legacy (grandfathered) Dividend cards (five of them) that gives 5% on gas, drugstores, and supermarkets). :)
by hh
Mon Jun 04, 2007 11:55 am
Forum: Cash Rebate Cards
Topic: Restaurant Rewards and Amusement Parks
Replies: 6
Views: 5060

Re: Restaurant Rewards and Amusement Parks

The best (hard to get) restaurant card is the Citi student mtv card.

I have Chase Professional card (3% rebate for restaurant, office supply, and home imporvment) and Amex Costco card (3% on restaurant).

I really missed the old Discover 5% card for restaurants. :(
by hh
Mon Jun 04, 2007 11:51 am
Forum: Cash Rebate Cards
Topic: Good Rewards Card
Replies: 16
Views: 7422

Re: Good Rewards Card

I kinda ruined my FICO for the last 13 years, applying every credit card I liked and getting huge 0% BT money for earnings every year. Now I want to "behave" and improve my FICO, first by stopping any new card applications and second by paying down all my sweet 0% deals by Mid August. Hopefully that...
by hh
Mon Jun 04, 2007 11:44 am
Forum: Cash Rebate Cards
Topic: National City Everyday Rewards Visa
Replies: 1
Views: 2272

Re: National City Everyday Rewards Visa

I think that I am up to my limit for number of credit cards :( I need to consolidate a bit on all these cards I got recently and improve my FCIO. :) I will pass on this offer. Well, if there is ever a 5% (for all purchases) card, I will still gladly take the plunge (maybe with my wife's credit since...
by hh
Mon Jun 04, 2007 11:40 am
Forum: Cash Rebate Cards
Topic: Proper Way To Pay In Full
Replies: 10
Views: 5763

Re: Proper Way To Pay In Full

I often pay the credit card bill upon receipt, or at least a few days before the due date; to ensure proper credit and to avoid unnecessary fight for interest/late charges.
by hh
Fri Jun 01, 2007 9:03 pm
Forum: Airline Miles Cards
Topic: Citi® Bronze® / AAdvantage® MasterCard®
Replies: 5
Views: 10123

Re: Citi® Bronze® / AAdvantage® MasterCard®

I may shift to Bronze AA card if they do not waive the annual fee for me this year. :)
by hh
Mon May 28, 2007 8:11 pm
Forum: Gas Cards
Topic: Discover Gas Card
Replies: 6
Views: 5987

Re: Discover Gas Card

Gas rebate comes in handy with the increasing gas prices. That is why I have "numerous" 5% cards ready for such usage (Dividend, Chase, and grandfathered Chase Freedom). With Discover card, guess it is still better than nothing. :)
by hh
Sun May 27, 2007 11:14 pm
Forum: Cash Rebate Cards
Topic: Balance Transfers: Please Post Balance Transfer Experiences
Replies: 14
Views: 9163

We should make clear to others what this thread is talking about; the thread is not clear that this is about making money with zero investment. This 0% game or AOR (as FWF called if done crazily) is certainly not for everyone. I suffered a significant drop in FICO as a result of my 0% endeavor. But...
by hh
Fri Apr 13, 2007 12:36 pm
Forum: Cash Rebate Cards
Topic: Any legitimate 2.0% cards?
Replies: 22
Views: 24419

People are having...

low limit for this card and difficulties in confirming the 2% rebate... as expected.
by hh
Sun Apr 08, 2007 7:47 pm
Forum: Cash Rebate Cards
Topic: Any legitimate 2.0% cards?
Replies: 22
Views: 24419

Thanks for the info...

1. It may be difficult for us to concentrate all our shoppings on just weekends.

2. HSBC credit cards do not seem to have a good reputation as far as customer service and offers go (just an observation).

Thanks again :)
by hh
Thu Mar 22, 2007 7:13 pm
Forum: Cash Rebate Cards
Topic: Fidelity 529 card: no more new customers, 2% -> 1.5%
Replies: 3
Views: 2972

aldente wrote:D'oh! :oops: Maybe I can blame Clark Howard for that oversight :roll:
Do you know the new annual cap for 529 Plan/"education earnings"? Thanks.
by hh
Wed Mar 21, 2007 9:18 pm
Forum: Cash Rebate Cards
Topic: Fidelity 529 card: no more new customers, 2% -> 1.5%
Replies: 3
Views: 2972

That is old news...

happened several months ago. :)
by hh
Tue Mar 13, 2007 8:48 am
Forum: Cash Rebate Cards
Topic: Reccomend a rewards card
Replies: 9
Views: 6502

Citi mtvU card...

may be the only student credit card that is worth getting. I think that was what OP meant.
by hh
Thu Mar 08, 2007 9:00 pm
Forum: Cash Rebate Cards
Topic: PETE & ALL- IS THERE A CARD THAT GIVES $$ BACK/BUILDS CR
Replies: 4
Views: 3266

Next time...

please do not use large-size words, etc.... That is equivalent to "shouting."

Just a friendly reminder.
by hh
Sat Mar 03, 2007 4:22 pm
Forum: Cash Rebate Cards
Topic: ExxonMobil Mastercard Question for Peter
Replies: 6
Views: 3996

Michael wrote:Yeah, it is no longer active.

Thanks, buddy!
Get on this Citi deal with $100 bonus.

http://www.fatwallet.com/forums/message ... did=663319
by hh
Fri Mar 02, 2007 4:51 pm
Forum: Cash Rebate Cards
Topic: ExxonMobil Mastercard Question for Peter
Replies: 6
Views: 3996

Michael: I truly hope that you still can get the Chase Cash Plus card. I got them (four accounts for each of my family members) via their website several months ago; and I got $50 signup bonus for each. Did you try the web link to apply? http://www.fatwallet.com/forums/messageview.php?start=0&catid=...
by hh
Fri Mar 02, 2007 10:48 am
Forum: Cash Rebate Cards
Topic: ExxonMobil Mastercard Question for Peter
Replies: 6
Views: 3996

Michael:

My suggestion to you is not to be worried about matters like this since the impact is very small. Almost all places which accept credit cards accept Visa along with MC.

You should be more worried about maximizing your total credit card rebates, IMHO.

Just a friendly input. :)
by hh
Fri Feb 23, 2007 2:08 pm
Forum: Cash Rebate Cards
Topic: Sock Drawer or Not?
Replies: 11
Views: 5508

hh: How can something be "probable, but not very likely"? It is just probability and statistics. :) Probable: with a non-zero probability, say 1-10% Unlikely: low probability, say 10%. In your case (E-M card), I doubt that there will be offers. But it is JMHO. Further, it is not something that you ...
by hh
Thu Feb 22, 2007 10:28 am
Forum: Cash Rebate Cards
Topic: Sock Drawer or Not?
Replies: 11
Views: 5508

It (better offer after infrequent usage) is probable, but not very likely. These offers are sent out based on multiple criteria (e.g., newness of the card, profit of the card, users' match to intended card usage, FICO, etc.), just not using cards alone would not guarantee better offers, IMO. For exa...
by hh
Wed Feb 21, 2007 9:58 pm
Forum: Cash Rebate Cards
Topic: Sock Drawer or Not?
Replies: 11
Views: 5508

Another idea: I know that you don't like new applications. You can apply for a better Citi card but re-allocate most of the E-M credit line to this new card. Yeah, you still suffer from a hard pull of your credit file.
by hh
Wed Feb 21, 2007 5:40 pm
Forum: Cash Rebate Cards
Topic: Sock Drawer or Not?
Replies: 11
Views: 5508

Michael: I would put the card aside until more attractive offers arrive. Just use it once every 3-4 months so that it does not get cancelled by Citi. I can not imagine that one can not convert from E-M card to something else. It does not make sense to me. Keep trying and even write letters to Execut...
by hh
Thu Feb 08, 2007 7:16 pm
Forum: Cash Rebate Cards
Topic: 2% Cards...
Replies: 9
Views: 5963

It is important for me for keep my rebate benefits after they (cc company) change the terms. I still have the grandfathered 5% Chase Freedom gas card, the Citi Dividend 5% EDP cards... I've been lucky so far. For the Chase Freedom card, I had to write to the Chase corporate office and got a courtesy...
by hh
Wed Feb 07, 2007 9:19 pm
Forum: Cash Rebate Cards
Topic: 2% Cards...
Replies: 9
Views: 5963

It was automatic for me. I do not recall that I did anything special.

Yeah, got $3,500 rebate for my new 2007 2.5X Subaru Forester, $2,200 Subaru rebate and $1,300 Driver's Edge rebate.
by hh
Wed Jan 31, 2007 10:30 pm
Forum: Cash Rebate Cards
Topic: 2% Cards...
Replies: 9
Views: 5963

2% Cards...

Now that I bought a new car, my 2% (grandfathered) Driver's Edge is taking a rest.

My 2% Fido card is still working hard though :D
by hh
Mon Jan 29, 2007 12:50 am
Forum: Cash Rebate Cards
Topic: Question for Peter
Replies: 17
Views: 8101

Sounds like a great plan :)
by hh
Sat Jan 27, 2007 7:13 pm
Forum: Cash Rebate Cards
Topic: Question for Peter
Replies: 17
Views: 8101

One can not achieve both: hitting $6,500 quicker and earning the extra cash from another good EDP card. I would simply use the best card any time I pay, let it be EDP or non-EDP; and not worrying about hitting $6,500. But if you prefer convenience (of using one card primarily), then just use Amex Bl...
by hh
Sat Jan 27, 2007 11:25 am
Forum: Cash Rebate Cards
Topic: Question for Peter
Replies: 17
Views: 8101

Agree, I think that you might be "sweating the small stuff" since you're using the Amex Blue Cash as your primary card.
by hh
Tue Jan 23, 2007 6:29 pm
Forum: Cash Rebate Cards
Topic: Sock Drawer or Not?
Replies: 11
Views: 5508

Talk to a Citi supervisor to get it converted to a more useful/profitable card and ... keep trying. Some CSRs are simply clueless for card conversion.

Good luck :)
by hh
Wed Jan 17, 2007 8:14 pm
Forum: Cash Rebate Cards
Topic: Second Question for Peter
Replies: 4
Views: 3110

Those are gas cards only, not to cover all EDP (e.g., supermarket, drugstore).

How about a second Freedom card? ... Unless that you don't want a new card ... Then the existing cards (Exxon, Shell, etc.) in your collection have to do.
by hh
Sat Jan 13, 2007 2:28 pm
Forum: Cash Rebate Cards
Topic: Balance Transfers: Please Post Balance Transfer Experiences
Replies: 14
Views: 9163

On my third round of ...

0% quest. Total each round is $115K. Period is about nine months each. Put in TBs or Amboy (5.35% APY).
by hh
Tue Jan 09, 2007 3:17 pm
Forum: Gas Cards
Topic: ExxonMobil Mastercard or AMEX for Gas Purchases?
Replies: 6
Views: 7081

You're welcome. I think that Eric did a good math in his other post.

It (cc) could be confusing at times, especially when all banks are backing out gradually on cash rebates.

Good luck to you. :)
by hh
Tue Jan 09, 2007 11:43 am
Forum: Cash Rebate Cards
Topic: Better backup to AMEX?
Replies: 3
Views: 2957

Eric: Nice summary and math...

thanks much. For dining, we use the Discover card for the past year (5% rebate) until they changed their term. We were able to use Discover card for December'06 for their monthly promotion. Now we have to use the (Chase) Costco card 3% rebate card for restaurant. We applied three times (with differe...
by hh
Mon Jan 08, 2007 10:33 pm
Forum: Cash Rebate Cards
Topic: Better backup to AMEX?
Replies: 3
Views: 2957

You have several versions of this question. Now I am assuming that you also have the Chase Freedom cards since you did not include it in your other posts (only Exxon and three gas card plus Amex). Now you define backup here which is NOT really backup; i.e., to be used before you reach the $6,500 lim...
by hh
Mon Jan 08, 2007 10:12 pm
Forum: Gas Cards
Topic: ExxonMobil Mastercard or AMEX for Gas Purchases?
Replies: 6
Views: 7081

Okay, Eric, I forgot to mention I also have ExxonMobil Mastercard, which pays 3% on ExxonMobil gas and 1% on everything else. I also have the Discover Gas Card. So, I have AMEX, Discover Gas, and three (3) gasoline bank cards. How can I maximize rebates without getting a sixth card (which I REALLY ...
by hh
Mon Jan 08, 2007 9:05 pm
Forum: Cash Rebate Cards
Topic: Which of these two cards is better backup to AMEX CASHBACK??
Replies: 5
Views: 4280

It does not make much sense to most of us, but it is your money/rebate.

If you like Amex as your primary card, by all means. But that will never maximize your rebates.

If you like to maximize your rebate, do as LFM suggested; use Chase cards for EDP and Amex only for non-EDP charges.
by hh
Mon Jan 08, 2007 11:50 am
Forum: Airline Miles Cards
Topic: United Mileage Plus not such a plus anymore
Replies: 1
Views: 4220

Thanks. I think that the (hopefully gradual) trend is for consolidation, both for cc cash rebates and airline bonus miles. There is little motivation for banks to encourage credit card usage any more. It is done. They just need to slowly take those bonuses back without upsetting too many cardholders.
by hh
Sun Jan 07, 2007 8:12 pm
Forum: Cash Rebate Cards
Topic: Which of these two cards is better backup to AMEX CASHBACK??
Replies: 5
Views: 4280

And I have no idea why Chase cards are just for "backup."
by hh
Fri Jan 05, 2007 2:36 pm
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

We only got 5000 pts for each of our three Chase Cash Plus Cards :(
by hh
Wed Dec 27, 2006 7:11 pm
Forum: Gas Cards
Topic: ExxonMobil Mastercard or AMEX for Gas Purchases?
Replies: 6
Views: 7081

Neither are good solutions. One should be able to get 5% rebate for gasoline purchases. I have Chase Cash Plus, HSBC Direct Rewards, Chase Freedom (grand-fathered), and Citi Dividend (still 5% on EDP); all offer 5% rebate on gasoline purchases. With your two options, they seem to be a trade of time ...
by hh
Fri Dec 22, 2006 12:19 am
Forum: Cash Rebate Cards
Topic: Question for Peter
Replies: 10
Views: 6476

Now, as a funny aside that Peter will appreciate (relative to his comment about how long he has been doing this): My first cash-back experience was when, in 1996 as a starving grad student, I received three 3% cash-back "courtesy checks" from my new credit card (FirstUSA?). I called the bank: "can ...
by hh
Mon Dec 04, 2006 11:45 am
Forum: Cash Rebate Cards
Topic: The Fidelity 2.0% 529 Mastercard is.......
Replies: 5
Views: 6702

With BofA takeover,...

I would not expect the Flat 2% Fido 529 card (grandfathered) to last too long. Most likely it will be dropped to 1.5% soon. But enjoy it while we can.

I have reduced my Fido 529 monthly contribution from $50 to $0 due to the recent Fidelity change. :)
by hh
Thu Nov 23, 2006 12:18 pm
Forum: Cash Rebate Cards
Topic: Orchard Bank 2% Cash Back on Everything Cards! (open to all)
Replies: 13
Views: 8123

FICO of 804 may be impressive. But like Scott 1961 at FW stated: It is of little importance unless it can be transformed to real values such as low mortgage rate, high cash-rebate credit cards, and, the most beneficial 0% BTs.
by hh
Mon Nov 20, 2006 7:14 pm
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

Marvelous wrote:I just applied for a new Chase card. Called 888-787-0329 and used code 94F. The rep confirmed it is for 5% on EDP and 10k pts after first purchase.

I could not find the offer on cardoffers.com
Great. I could not apply via telephone several weeks ago. :)
by hh
Mon Nov 20, 2006 9:19 am
Forum: Cash Rebate Cards
Topic: Orchard Bank 2% Cash Back on Everything Cards! (open to all)
Replies: 13
Views: 8123

[For other folks who haven't got a Fido 2% card, and who now can only get a 1.5% Fido card, the Orchard Bank 2% card could be pretty compelling, even with the $39 or $59 annual fee. And if one gets the $0 annual fee offer, it's a no-brainer. I would not pay annual fee for any card (maybe Starwood c...
by hh
Sun Nov 19, 2006 9:24 pm
Forum: Cash Rebate Cards
Topic: Orchard Bank 2% Cash Back on Everything Cards! (open to all)
Replies: 13
Views: 8123

Why would I pay annual fee when I have the Fido 529 Flat 2% card without fees?
by hh
Fri Nov 17, 2006 9:33 am
Forum: Cash Rebate Cards
Topic: Orchard Bank 2% Cash Back on Everything Cards! (open to all)
Replies: 13
Views: 8123

Is this a flat 2% card with annual fee?

BTW, it is from HSBC and was discussed before as "by invitation only."

I am confused with your tiered structure statement, Joel. I thought it is a flat 2% card.
by hh
Thu Nov 16, 2006 8:44 pm
Forum: Cash Rebate Cards
Topic: The Fidelity 2.0% 529 Mastercard is.......
Replies: 5
Views: 6702

Re: The Fidelity 2.0% 529 Mastercard is.......

LustfortheMoment wrote:toast :D .......or at least it's not listed on the Fidelity site anymore. Instead, they're offering a Fidelity AMEX 1.5% 529 card. Those who had the 2% cards will apparently be allowed to maintain their higher rate.
Hope that you got the Fido 2% MC before it is history. :)
by hh
Thu Nov 16, 2006 5:30 pm
Forum: Cash Rebate Cards
Topic: 2% Uncapped CashBack Visa
Replies: 13
Views: 10950

Fidelity just reduced their 529 fees, introduced index funds to 529, and reduced monthly minimum (from $50 to $15) :D
by hh
Fri Nov 10, 2006 9:14 am
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

No, hh, you're missing the point. I LIKE AMEX, and have had one or another AMEX, for over thirty years, so the $6500 tier does not bother me. If it bothers you, then you don't obviously need to have anything to do with the card. Over the years, customer service with AMEX has bee OUTSTANDING, partic...
by hh
Fri Nov 10, 2006 1:32 am
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

I charge over $35,000 annually, so the $6500 threshold is a piece of cake. You're missing the point. :) It is not how much one charges. Almost anyone can break the $6,500 thrshold. It is how much one loses by doing that with Amex Blue Cash. Just think about how much "more" cash rebate you can get w...
by hh
Thu Nov 09, 2006 9:43 am
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

Maybe the last chance to really earn a FULL 5% back on gas, grocery and drugstore LOL. You may be right. I now have HSBC, Chase Plus, and AMEX Blue as my 5% EDP cards. I suspect that over time only one will really survive at 5%. We'll see...............If one of them falls, I'll bring up another fr...
by hh
Mon Nov 06, 2006 7:07 pm
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

You're right,eventure. Chase doesn't show the card on its site, but you can apply via the following link..... http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=chase_rewardsplus_ch01 Here is more information/experience on Chase Cash Plus rebate card offer from Fatwallet. http://w...
by hh
Sun Nov 05, 2006 5:46 pm
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

You're right,eventure. Chase doesn't show the card on its site, but you can apply via the following link..... http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=chase_rewardsplus_ch01 Here is more information/experience on Chase Cash Plus rebate card offer from Fatwallet. http://w...
by hh
Sun Nov 05, 2006 12:01 am
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

hh is certainly correct. The BEST return for cash rebate incorporates a strategy of HSBC/Chase for EDP(5%) and Fidelity 529 Mastercard for non-EDP(2%). For those who do not have need of a 529 fund, then Fidelity offers a flat 1.5% card. Using a similiar HSBC/Chase combo with this card would decreas...
by hh
Thu Nov 02, 2006 4:41 pm
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

Here is the fundamental comparison: Assumption: $6,000 EDP, $24,000 non-EDP annually. 1. Amex Blue Cash (Assume optimum case of spending non-EDP to break $6,500 barrier, if not, the total rebate would be less) $32.5 (initial $6,500) + $300 (5% EDP) + $262.5 (1.5% non-EDP of the remaining $17,500) = ...
by hh
Sat Oct 28, 2006 6:03 pm
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

Again, it is always the right choice to use Citi Dividend/Chase/HSBC for the 5% rebate of EDP. There should be no question on that.

I never undertstand why people ever wish to use Amex Blue Cash with the silly $6500 threshold. :?

I have it (Amex Blue Cash) in my drawer.
by hh
Fri Oct 27, 2006 11:18 pm
Forum: Cash Rebate Cards
Topic: Message for Peter
Replies: 37
Views: 17609

Both Chase Reward Plus and Chase Cash Plus cards have 5% rebate for EDP.
by hh
Tue Oct 24, 2006 9:00 am
Forum: Cash Rebate Cards
Topic: Best Visa/MC that is uncapped or has high limit
Replies: 5
Views: 5994

I am using Discover card now for 5% restaurant rebate (up to $1000, $50 rebate, from Oct. to December), too. :)
by hh
Mon Oct 23, 2006 5:55 pm
Forum: Cash Rebate Cards
Topic: Best Visa/MC that is uncapped or has high limit
Replies: 5
Views: 5994

Not sure why you will be bothered with annual cap, $6K ($300 annual limit) is actually pretty generous, IMO. Just get more of the same cards if you will spend more. Like I said in the other post, I would do: 2% Fido 529 card along with Citi Dividend (5% EDP) or Chase Cash/Reward Plus or HSBC (5% EDP...
by hh
Sun Oct 22, 2006 8:48 pm
Forum: Cash Rebate Cards
Topic: Best Cashback Card
Replies: 31
Views: 22889

If you rule out Fidelity cards (I doubt that the majority of CC-holders have them), what's your 'best suggestion' for cash back on: ~ $5,000-7,000/yr on EDP ~ $20,000-30,000/total [paying total balance monthly] Thanks for your continued inspiration! I prefer Fido 529 card (2% rebate). One simply op...
by hh
Sun Oct 22, 2006 6:13 pm
Forum: Cash Rebate Cards
Topic: Best Cashback Card
Replies: 31
Views: 22889

kksmama: As long as you're happy...

with the card usage, that is all it counts. :) I second on Amex's excellent service and satisfactory dispute resolution. But, many banks do the same, e.g., MBNA. Now that they changed to BofA, hopefully, they retain their best part (superb customer service). Even Chase made me a happy customer latel...
by hh
Sat Oct 21, 2006 8:31 pm
Forum: Cash Rebate Cards
Topic: Best Cashback Card
Replies: 31
Views: 22889

Re: why I love AMEX blue cash

"I can never figure out why people still like Amex Blue Cash :? " I rethink it now and then, but never come up with a better answer that would be as convenient. I rarely have a problem with it being accepted, there is no spending limit or cash back limit, I end up with an average of 2% back each ye...
by hh
Sat Oct 21, 2006 3:15 pm
Forum: Cash Rebate Cards
Topic: Best Visa/MC that is uncapped or has high limit
Replies: 5
Views: 5994

For your evaluation, your need to do some research on your own for the best fit.

You can get a lot more rebate than what you're getting now.
by hh
Fri Oct 20, 2006 8:36 am
Forum: Cash Rebate Cards
Topic: time to re-examine whats the current line of thinking?
Replies: 36
Views: 19500

Thank you, creditchick :)
by hh
Thu Oct 19, 2006 2:21 pm
Forum: Cash Rebate Cards
Topic: time to re-examine whats the current line of thinking?
Replies: 36
Views: 19500

There are several versions of DE, guess my grand-fathered one (with 2% rebate) does not belong to this DE Option membership.
by hh
Fri Oct 13, 2006 5:32 pm
Forum: Cash Rebate Cards
Topic: Question on AMEX Blue Cash
Replies: 7
Views: 4812

Never take CSR's words for granted. Always read fine print yourself and experiment on it. In this case, Peter is absolutely correct.
by hh
Thu Oct 12, 2006 8:45 am
Forum: Cash Rebate Cards
Topic: Balance Transfers: Please Post Balance Transfer Experiences
Replies: 14
Views: 9163

Thanks, HH. I was aware (from being stung by a rebate offer that terminated a cycle earlier than announced) of the ambiguity in the closing date, and plan to pay off everything a cycle early. I was not aware of the value of paying by cheque, however: my experience otherwise has been that electronic...
by hh
Tue Oct 10, 2006 5:08 pm
Forum: Cash Rebate Cards
Topic: PowerRewards Fun
Replies: 3
Views: 3078

Peter: Sorry to hear that.

I would suggest that you put in the remaining 700 points and see what happens.
by hh
Tue Oct 10, 2006 9:10 am
Forum: Cash Rebate Cards
Topic: Balance Transfers: Please Post Balance Transfer Experiences
Replies: 14
Views: 9163

Good summary, Eric. The risk is the FICO drop, missing monthly payment, and the missing final payment (when high interest rate kicks in). As an example of the last risk, Chase makes it very ambiguous of the final date for full payment. Even Checkfree has a rule to mail in (rather than ach) payment. ...
by hh
Mon Oct 09, 2006 11:48 am
Forum: Cash Rebate Cards
Topic: time to re-examine whats the current line of thinking?
Replies: 36
Views: 19500

LustfortheMoment wrote:Creditchick, can you get Cash back with Driver's Edge or do you have to apply the rebates to car related purchases/expenses or affiliated gift cards??
By definition, the rebates are for purhcase of new/used cars.
by hh
Sun Oct 08, 2006 10:44 pm
Forum: Gas Cards
Topic: Shell Mastercard
Replies: 5
Views: 7934

Shell gas station is usually the most expensive one in my area. One wants flexibility as far as gasoline is concerned.
by hh
Sun Oct 08, 2006 10:40 pm
Forum: Cash Rebate Cards
Topic: time to re-examine whats the current line of thinking?
Replies: 36
Views: 19500

Thanks for the info, hh. If HSBC "folds up" its 5% card, I'll try turning to Chase. HSBC card may have tricky stuff and rebate can only be claimed after one year, or some strange rules like that. I applied and got the HSBC card, but I am putting Dividend card first, then Chase, HSBC is my last reso...
by hh
Sun Oct 08, 2006 10:37 pm
Forum: Cash Rebate Cards
Topic: Best Cashback Card
Replies: 31
Views: 22889

There are several flat 2% cards for other purchases Which ones, hh? The only one that I know of is the Fidelity 529 College Rewards card. I thought that I read that you use the Fidelity Investments Reward card @1 1/2 %. Granted, that nets you $62 more/year than Blue Cash because it isn't tiered. I'...
by hh
Sun Oct 08, 2006 10:34 pm
Forum: Cash Rebate Cards
Topic: time to re-examine whats the current line of thinking?
Replies: 36
Views: 19500

Re: Citi® Driver's Edge® Platinum Select® MasterCard®

IS there any reason NOT to apply for the 6% Citi® Driver's Edge® Platinum Select® MasterCard®? Seems to me, these cards are harder to keep up with than Foley's emails. From my perspective, I'd rather get the higher rates now, even if they only last for a year. And you can get up to $1000, which is ...
by hh
Sat Oct 07, 2006 8:02 pm
Forum: Cash Rebate Cards
Topic: Best Cashback Card
Replies: 31
Views: 22889

Use Citi for its 5% categories only and AMEX for everything else until you reach $6500. Then you can use amex for everything (leave cap room on the citi for places that don't take amex) I like Sporty's approach, though we now have to substitute HSBC for Citi Dividend. I've tended to use an airlines...
by hh
Sat Oct 07, 2006 7:57 pm
Forum: Cash Rebate Cards
Topic: Buying a new car with credit cards?
Replies: 2
Views: 2955

$3k is the typical cc limit for car purchases.
by hh
Sat Oct 07, 2006 7:54 pm
Forum: Cash Rebate Cards
Topic: time to re-examine whats the current line of thinking?
Replies: 36
Views: 19500

IWISHU, I just got off the phone with CHASE. Though it appears that the website for the Reward Plus Card appears valid, I was told that the bank is NOT issuing them anymore. Abby Chase Cash Plus card is still available (for application), FYI. It is only for online application, thus CSRs know nothin...
by hh
Thu Oct 05, 2006 7:25 pm
Forum: Cash Rebate Cards
Topic: time to re-examine whats the current line of thinking?
Replies: 36
Views: 19500

6% Supermarket for DE is promotional. All my Citi Dividend cards are good for 5% rebate for EDP :D My 2% 529 Fido card is also in action, with 3% Subaru card. BTW, Chase (Subaru) is pretty sneaky on their annual effective date (for the new $500 ceiling). I am writing to Chase VP to complain (in a ni...
by hh
Mon Oct 02, 2006 10:30 pm
Forum: Cash Rebate Cards
Topic: Current cards, best overall approach, and thoughts
Replies: 12
Views: 7691

So far, all four of our Citi Dividend cards still have 5% EDP rebates. I got HSBC card and several Chase Cash Plus cards collecting dust... :x
by hh
Fri Sep 22, 2006 9:24 am
Forum: Cash Rebate Cards
Topic: 5% on Restaurants, books and movies from Discover
Replies: 4
Views: 3621

Can't wait for the 5% restaurant offer (10/1/06).
by hh
Sun Sep 17, 2006 9:37 pm
Forum: Cash Rebate Cards
Topic: A Credit Card Decision Support Tool
Replies: 15
Views: 9963

The credit card rebate game ...

started way back, with just a few choices such as GE 2% card and Chemical Bank 5% gasoine card. It peaked with the MBNA 10% HGW1/HGW4 cards (that was the most exciting rebate era when we all have multiple HGW1/HGW4 cards since there was a monthly limit for each card). Now there are so many choices, ...
by hh
Wed Sep 13, 2006 1:58 pm
Forum: Cash Rebate Cards
Topic: Looking for Advice on Credit Cards
Replies: 9
Views: 5546

Re: Best Cards for College Students

I put together a little tool that may be helpful. Given the amounts you spend per month in each category, it will recommend cards based on your expected annual cashback rewards. It also tries to find the "best 2" cards, "best 3" cards, etc. if using more cards will earn you more cashback rewards. Y...
by hh
Sun Sep 10, 2006 8:24 pm
Forum: Cash Rebate Cards
Topic: Looking for Advice on Credit Cards
Replies: 9
Views: 5546

billy22g wrote:[Did you read what I asked about the Citi Driver's Edge Card? Should be easy to get since I'm a student, but I was curious as to whether that's the one I should be getting. Thanks.
Yes, I did read it. No, I would not apply for DE as a replacement for Dividend card.
by hh
Sat Sep 09, 2006 7:48 pm
Forum: Cash Rebate Cards
Topic: Bank of America PowerRewards is ending!
Replies: 8
Views: 4961

[Any ideas on how long Chase will keep this? It looks pretty inevitable that they will kill the 5% rebate on EDP too. I may go back to AMEX Blue later, but I am concerned they will reduce the rebate offer once the other 5% EDP cards are gone. Enjoy it while we can. I still have my Dividend card run...