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New Chime Card Offers: $5 Off $30 at Office Depot and $3 Off $30 at Gap

Good morning everyone, it’s time to dust off your Chime Card and hit the stores.  There is a new offer for Office Depot ($5 off $30) and Gap ($3 off $30).  There are also offers for Wendy’s, Chili’s, Applebee’s, Moleskine, Herschel Supply Co, Incase, and Books-A-Million.

Chime Card Offers 7-31-2015

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Chase Ink Bold Changes: Ability to Pay Over Time and Stated Credit Access Line (Similar to Chase Ink Plus)

Good evening everyone, I just got home and checked my mailbox.  Inside, there was a letter from Chase with details about upcoming changes to the Chase Ink Bold Business Charge Card, effective August 31, 2015.   Here is the summary of both changes:

  • Currently, the Chase Ink Bold is a charge card, meaning you must pay your balance in full, otherwise you will be charged a fee.  The new Chase Ink Bold will allow you to pay your balance over time (instead of being charged a fee, you will instead pay interest on any balance that is not paid in full by your payment due date).
  • Currently, the Chase Ink Bold has a flexible spending limit whereby you are allowed to go over your preset spending limit.  The new Chase Ink Bold will have a stated credit access line (aka a credit line/limit) that will be shown on your monthly statement.

In summary, if you pay your balance in full every month and do not go over your stated credit access line, then these changes do not affect you.  This looks like Chase’s attempt to slowly transform the Chase Ink Bold into a Chase Ink Plus, which makes sense since only the Chase Ink Plus and Chase Ink Cash business cards are currently available for new applications.

Chase Ink Bold Business Card Changes Front

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New AMEX Offers: $5 Off $25 Exxon Mobil, $15 Off $50 Petco, and 10,000 Membership Reward Points from Everyday Credit Card

Good morning everyone, I have a few new AMEX Offers to share.  The best offer is a $5 statement credit when you spend $25 or more at Exxon Mobil.  The terms of the offer state you must make the purchase “at the pump” so it might exclude all purchases made inside an Exxon Mobil store.  The other offers worth mentioning are: Petco, Laithwaite’s Wine, Robert Graham, Mori Luggage, Jonathan Adler, Bouqs Flower Company, Mervis Diamond Importers, and Market Broiler.  Check all your AMEX cards to see if you receive any other offers.

Exxon Mobil AMEX Offer

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US Bank Club Carlson Targeted Spending Offer and 7,500 Bonus Points Letter

Good evening everyone, this is just a short post before I go to bed.  I currently have a love-hate relationship with Club Carlson.  At first I loved them, but now it seems like Club Carlson hates me.  Let me explain…

As you all know, the Last Night Free perk ended June 1 and everyone redeemed as many Club Carlson points as humanly possible (I even borrowed leftover points from friends so I could scrap together enough Club Carlson points to squeeze out one last reservation).  With low Club Carlson point balances and no more spending on their personal and business Club Carlson credit cards, I was expecting a few targeted spending offers from US Bank / Club Carlson.  Well, today is the day I got my first targeted spending offer and it is… TERRIBLE!  Let me explain…

  • I can earn 1 bonus Club Carlson point for every dollar I spend (Club Carlson points are worth around 0.2 CPP, so it is definitely not worth the effort)
  • I am limited to a grand total of 2,000 bonus Club Carlson points (what can I even get for 2,000 Club Carlson points, a 99 cent iTunes song?)
  • I only start earning bonus points after I spend $300 on the credit card (so to earn the full 2,000 bonus Club Carlson points, I have to spend $2,300; that’s never going to happen)

Any takers?  I didn’t think so…

US Bank Club Carlson Credit Card 1 Bonus Points Per Dollar Email

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CSP

My Unsuccessful Chase Sapphire Preferred Reconsideration Call, Visit, and Tweets

Good morning everyone.  A few weeks ago, I did an 8 card App-O-Rama.  One of my top credit cards to apply for was the Chase Sapphire Preferred Credit Card.  I previously opened a Chase Sapphire Preferred Credit Card back in August 2012 which I then downgraded to the Chase Sapphire (Basic) Credit Card in August 2013 which I then converted to the Chase Freedom Credit Card in November 2013.  Since I received the sign up bonus back in August 2012, I waited the necessary 24 months to reapply.

When I first received the Chase Sapphire Preferred Credit Card, the sign up bonus was 40,000 Chase Ultimate Rewards Points after spending $3,000 in 3 months.  The current sign up bonus is 40,000 Chase Ultimate Rewards Points after spending $4,000 in 3 months.  Long story short, I was low on Chase Ultimate Rewards Points (aren’t we all?) and I had waited long enough to reapply, so I was ready to apply for my second Chase Sapphire Preferred Credit Card.

Side note: Doctor of Credit and a few other blogs and forums are reporting that Chase has really cracked down on approving applications for people that have more than 5 credit inquiries total during the last 2 years.  I (foolishly) ignored those warnings and insisted that my previous 3 years with Chase, 16 total approved Chase credit cards (8 currently open), and reconsideration call skills would be enough to get approved for the Chase Sapphire Preferred Credit Card.

Spoiler alert: it wasn’t enough.   Continue reading