With the announcement of Chase extending their infamous “5/24 rule” to extend to all co-branded and business cards, there has been a lot of discussion about what to do in the interim before the rule takes effect and what to do after the hammer falls. For those who are unfamiliar, the 5/24 rule is that Chase will not approve you for a card if your credit report shows more than five new accounts in the last two years. This was designed to weed out applicants who ‘churn’ their cards for the signup bonuses without adding meaningful value to Chase as customers.
Category: credit cards
50k Citi Premier Offer Still Available!
Last week, Citi announced it was lowering the public offer for the Citi Thank You Premier to 40k points after meeting minimum spend requirements. This is obviously sad but probably expected given that it brings the bonus in line with the standard bonus for the Chase Sapphire Preferred.
Two days ago, Miles to Memories reported a back-door way to get the 50k Citi Premier offer to appear. Well, after some googling around, I found the front door:
Did You Know? You Can Have Authorized User Cards Removed from Your Credit Report
I know better than to mess with the Devil(‘s Advocate), so I figured out a different tagline for this post than my previous one. Still pretty reminiscent, but it gets the point across…
Anyway, I tried a couple of experiments with authorized user cards in order to see if I could stretch out my paltry, 1 year 3 month average age of accounts. In particular, one experiment I tried was seeing if I could force Amex to backdate my Member Since date (not the account opening date, which was discontinued) by adding myself as an authorized user on my parents’ account and then somehow parlaying that into backdating on my cards that were opened before the rule change (hint: this failed miserably).
(Targeted) Barclays AAdvantage Aviator Red/Silver: 1000 AAdvantage miles for adding an authorized user
Via Reddit, some people are getting targeted offers for the Barclays Aviator Red offering 1000 AAdvantage miles for adding an authorized user by December 31, 2015. There seems to be no spending requirement attached to this offer.
I personally also received an email title Earn More Miles this holiday for my Barclays AAdvantage Aviator Silver with the following:
There doesn’t seem to be any date restriction on my offer, but there’s no reason not to take advantage right away. So check your email! It’s an easy 1000 miles.
80,000 offer for the Hilton HHonors Surpass!
It looks like Amex has increased the offer on the Hilton HHonors Surpass to 80,000 points after $3000 minimum spend. The annual fee of $75 is NOT waived. This offer has been higher at 85,000 points, but difference is fairly minimal, so if you’re in need of Hilton points, it’s worth jumping on this now.
Although HHonors points have been majorly devalued in the last couple years, there are some great opportunities to be had when redeeming for Category 1/2 hotels. Check out this post by Travel is Free for some ideas.
Paypal Extras Mastercard: $30 back on $100 at ebay
Paypal Extras MasterCard (PPEMC) holders, check your email for subject: “Cyber Week is extra special with PayPal Extras MasterCard”
The offer is $15 off $50 spent at eBay using your PPEMC, issued as a statement credit. Offer can be used twice, for up to $30 in statement credits. Gift cards are not an exclusion.
Topcashback (referral link, thanks!) is offering 3.1% cashback on eBay purchases which also does not exclude gift cards.
Interesting offer for the Chase Marriott Credit card
Correction: There is a 5,000 point bonus for adding an authorized user and having the user make a purchase in the first 3 months. I missed it in the offer details.
I got this offer in the mail recently:
The offer is is for 50,000 points + 5,000 points for adding an authorized user and having them make a purchase in the first 3 months + a $200 Marriott gift card for spending $3000 in the first 3 months. Annual fee of $85 is waived the first year.
Get Twitter or Facebook links from Chase’s Refer a Friend website even if they are disabled
EDIT January, 2016: It looks like Chase has caught on and nulled out the social media links for certain credit card products like the Freedom. If you have an old referral link that you’ve saved before, that should work though.
I noticed a bunch of new referral offers in an email from Chase earlier this morning, so I logged into chasereferafriend.com as usual to generate some referral links. However, when I put my information into the site, I sadly couldn’t find the Twitter or Facebook options anymore!
Public 87.5k Marriott CC offer!
A few months ago we reported on a set of targeted offers for the Marriott credit card based on your Marriott status. Although the links were public, you couldn’t click through to the application page unless you had been linked from your Marriott account page.
However, via learn2churn on reddit, it appears that there are now publicly accessible links for the best of these offers, of which there are two variants:
News from around the web
Just a collection of blog posts I found interesting from this week!
Access the old version of the Amex Offers website. American Express rolled out new version of the Amex Offers website a couple of months ago, but the new interface is much less convenient to see and add all your offers at once. Fortunately, the link to the old version of the Amex Offers website is still working! H/T Miles to Memories.