Willie Lane said:
Got interested in churning from this thern and then started reading the Reddit churning thread.....quickly overwhelmed by all the info, lingo, and next level work arounds. Figured it was quicker and easier to come back to texags.
Recently completed the min spending requirements for the modified double dip and ready to move on to the next one.
Couple notes: Great credit, the CSR/CSP are the only credit cards opened in last 5 years or so, can open a business card, no problems meeting minimum spending
Questions on what to do next:
Should I cancel the CSR/CSP cards or keep them open or how long do I wait to not pay the yearly fees?
What card should I get next?
I would vote CIP - just keep tabs on your velocity with Chase in the processfoleyt said:
What should I get next? Have CSP, two CIPs, just finished Amex biz Hilton. Considering maybe a business bonvoy card or getting the wife a CIP. Anything else notable I should look into?
SoupNazi2001 said:
The Hilton Aspire Cards are great if you take advantage of the perks. My wife and I each got one. Went to Maui this summer and took our son to the Grand Wailea. Stayed at that hotel for 3 nights all paid for (1 free night on each card plus one night on points). Room rate was over $600 per night. We each got a $250 credit on the bill so we used the $500 towards meals and my wife got a massage. Plus with the card you get Diamond status which got us 2 free continental breakfasts each day.
The other part of that trip was 5 nights at the Hyatt Residence Club in Kannapalli at a 2 bedroom/2 bath oceanfront timeshare with a living room and kitchen. That property is really nice and next door to the Hyatt Regency. Timeshare pitch lasted only an hour after we showed no interest and in return we got the 5 nights for $1,100 plus $185 off a car rental and a $75 resort credit. Normal room rates for the 2 bedrooms was about $1K per night.
Flights were booked on miles. All in for everything we spent on the entire trip was $2K for 8 nights/9 days on Maui in the summer, not bad.
SoupNazi2001 said:
The Hilton Aspire Cards are great if you take advantage of the perks. My wife and I each got one. Went to Maui this summer and took our son to the Grand Wailea. Stayed at that hotel for 3 nights all paid for (1 free night on each card plus one night on points). Room rate was over $600 per night. We each got a $250 credit on the bill so we used the $500 towards meals and my wife got a massage. Plus with the card you get Diamond status which got us 2 free continental breakfasts each day.
The other part of that trip was 5 nights at the Hyatt Residence Club in Kannapalli at a 2 bedroom/2 bath oceanfront timeshare with a living room and kitchen. That property is really nice and next door to the Hyatt Regency. Timeshare pitch lasted only an hour after we showed no interest and in return we got the 5 nights for $1,100 plus $185 off a car rental and a $75 resort credit. Normal room rates for the 2 bedrooms was about $1K per night.
Flights were booked on miles. All in for everything we spent on the entire trip was $2K for 8 nights/9 days on Maui in the summer, not bad.
I seem to be in a biz card mode also as wife has CP through 2020 and I'll need to stretch my 3/24 Chase status out for another 14 months before applying for the SWA personal and business cards to get us CP for the following 2 years since we will still have reason to fly SWA frequently.Cyprian said:
Yea, fun thread!
Updates would be fun to see from others.
Yes, it is loose. I would absolutely not lie, but most people can find things that they do and can legitimately call it a business. For example, I have rental property and I just use that income for the business - and call it a sole proprietorship. Some people sell things on ebay / craiglist / etc at times for example, and use that as a foundation and call it a business. They look at your income and credit history as a basis for approving you regardless on small business credit cards like that.jbeaman88 said:
In thinking about how to get my wife into the business card side of the game, my understanding is that a sole proprietorship has a pretty loose definition for this purpose. Any reason to think that considering the points game itself as a sole proprietorship won't work? It is being done for profit, after all.
She also does several of the cash back shopping apps. Would that work too and if so, is that an additional sole proprietorship, allowing one to self-refer for business cards?
Solid plans for sure, those both sound like a lot of fun. It is still far out, but I'd book those airplane tickets as soon as airlines open things up - I'd imagine they go pretty fast, esp tickets around an event like the Olympics.jbeaman88 said:
For long term big trips, will be researching the best options to travel free for an Iceland trip in a couple of years and after that the 2024 Paris Olympics. Hope to fly business class and stay at higher tier properties for those trips.
I've seen how people say that when getting a personal card, never put your spouse/partner as an authorized user. You should double up with each of you getting your own card and thus double the points.Cyprian said:Yes, it is loose. I would absolutely not lie, but most people can find things that they do and can legitimately call it a business. For example, I have rental property and I just use that income for the business - and call it a sole proprietorship. Some people sell things on ebay / craiglist / etc at times for example, and use that as a foundation and call it a business. They look at your income and credit history as a basis for approving you regardless on small business credit cards like that.jbeaman88 said:
In thinking about how to get my wife into the business card side of the game, my understanding is that a sole proprietorship has a pretty loose definition for this purpose. Any reason to think that considering the points game itself as a sole proprietorship won't work? It is being done for profit, after all.
She also does several of the cash back shopping apps. Would that work too and if so, is that an additional sole proprietorship, allowing one to self-refer for business cards?
Don't self-refer with AMEX, fyi. Referring to your spouse should work, but not to yourself. AMEX has been clawing back those points recently to many people. The other banks seem to not DGIAF once you get past being approved (at least compared to AMEX). AMEX has a dedicated team looking for points gaming/abuse, and that's one thing they started catching.
If you are using the card for non LLC purposes just use your own information for your ebay business or whatever nonsense you can come up with. LLC have a tendency to draw extra scrutiny and would put eyes on your account you don't want.Ag with kids said:I've seen how people say that when getting a personal card, never put your spouse/partner as an authorized user. You should double up with each of you getting your own card and thus double the points.Cyprian said:Yes, it is loose. I would absolutely not lie, but most people can find things that they do and can legitimately call it a business. For example, I have rental property and I just use that income for the business - and call it a sole proprietorship. Some people sell things on ebay / craiglist / etc at times for example, and use that as a foundation and call it a business. They look at your income and credit history as a basis for approving you regardless on small business credit cards like that.jbeaman88 said:
In thinking about how to get my wife into the business card side of the game, my understanding is that a sole proprietorship has a pretty loose definition for this purpose. Any reason to think that considering the points game itself as a sole proprietorship won't work? It is being done for profit, after all.
She also does several of the cash back shopping apps. Would that work too and if so, is that an additional sole proprietorship, allowing one to self-refer for business cards?
Don't self-refer with AMEX, fyi. Referring to your spouse should work, but not to yourself. AMEX has been clawing back those points recently to many people. The other banks seem to not DGIAF once you get past being approved (at least compared to AMEX). AMEX has a dedicated team looking for points gaming/abuse, and that's one thing they started catching.
However, does that work the same with a business card? I've got an LLC with my GF. I've got several Amex business cards in my name. However, I didn't put her as an authorized user/employee. I was hoping we could double up with her applying for her own business card under her name so that she could also get the bonus offer too.
Will they allow her to do that? Or will they reject it since the card is actually tied to our LLC and it has already received the bonus.
