RIP Amex BCE and Citi Diamond Preferred!

Well the purge of useless cards have begun in preparation of fine tuning my portfolio. First up, BCE. Unfortunately Sallie Mae has totally made this card useless to me. And rather than keep it sock drawered, I just decided to close it. I only got it in the first place because I was going to close my old Delta Gold before the fee became due and transfer my $25k limit to BCE which is only $2k. However, I later learned I could simply pc to HHonors which I did. One less card to manage! YAY! Next up Diner's Premier!

baller4life wrote:
taxi818 wrote:
JonE wrote:
Good call.  No sense paying that kind of money for something you don't use.  That $95 is well worth the Hidden TL. Usage or Not. The Fact that you can Charge at will with no affect what so ever to your fico. says volumes. Its not like it is a regular Tl. so pony up. save the pennys. But pay.Well here's the thing. True it's a hidden tl. But I'm not feeling paying 13.5% apr on a card and I have a 8% Ring and a promotional 6.99% apr HHonors. So if I needed to carry a balance, I would do so on a much lower apr card. Or use the hidden RBFCU 8.90% apr ploc I'm apping in a few months. For sure the ring is a game changer as far as Apr and even promo apr is very good. if you got another hidden Tl. 13.15 is actually not that bad either baller. in my case it is not my lowest. but my Credit union card is 9.99. but wow. Bmo has been good to me. so im loyal. i maxed it out soon as i got it. and slow payed as well. always 2-8 times minimum. but they have never said a single word to me. keep in mind i only have 5k limit. but im sure lots of 20k to 40k limits is what i was thinking. I see you are really getting rid of the Af cards. What did you pc to get the hilton?. I know they will do the Delta as well to hilton if i want no AF card. and i may just do that when i hit 13 months in November. Will you lose your history when you Pc. or they keep the card number the same with the account number?

Similar Messages

  • RIP Amex BCE

    Well the purge of useless cards have begun in preparation of fine tuning my portfolio. First up, BCE. Unfortunately Sallie Mae has totally made this card useless to me. And rather than keep it sock drawered, I just decided to close it. I only got it in the first place because I was going to close my old Delta Gold before the fee became due and transfer my $25k limit to BCE which is only $2k. However, I later learned I could simply pc to HHonors which I did. One less card to manage! YAY! Next up Diner's Premier!

    baller4life wrote:
    taxi818 wrote:
    JonE wrote:
    Good call.  No sense paying that kind of money for something you don't use.  That $95 is well worth the Hidden TL. Usage or Not. The Fact that you can Charge at will with no affect what so ever to your fico. says volumes. Its not like it is a regular Tl. so pony up. save the pennys. But pay.Well here's the thing. True it's a hidden tl. But I'm not feeling paying 13.5% apr on a card and I have a 8% Ring and a promotional 6.99% apr HHonors. So if I needed to carry a balance, I would do so on a much lower apr card. Or use the hidden RBFCU 8.90% apr ploc I'm apping in a few months. For sure the ring is a game changer as far as Apr and even promo apr is very good. if you got another hidden Tl. 13.15 is actually not that bad either baller. in my case it is not my lowest. but my Credit union card is 9.99. but wow. Bmo has been good to me. so im loyal. i maxed it out soon as i got it. and slow payed as well. always 2-8 times minimum. but they have never said a single word to me. keep in mind i only have 5k limit. but im sure lots of 20k to 40k limits is what i was thinking. I see you are really getting rid of the Af cards. What did you pc to get the hilton?. I know they will do the Delta as well to hilton if i want no AF card. and i may just do that when i hit 13 months in November. Will you lose your history when you Pc. or they keep the card number the same with the account number?

  • Should I wait to apply for amex bce or apply for what i've been pre-qual for amex preferred gold

    Hi, myfico scores are currently 695 eq, 693 tu & 683 ex. I have been getting emails and most recently a letter in the mail from amex wanting me to apply for the green card. I went to amex website to see what I would pre-qual for and got the green , gold and premier rewards gold card. The two cards that I aspire to get are amex bce and citi double cash. My question is should I take what I can get from amex now and go for a pc in a year (i read can't pc until 13 months has elapsed) our should I just keep on my steady path and wait until I get my score up to 720 -760 and apply? I currently have 3 dept store cc- hsn $750, ny&co $900 & vs $900, sdfcu secured cc $1000, fnbo $3000.  Your thoughts on this is appreciated.

    TigerRed wrote:
    Hi, myfico scores are currently 695 eq, 693 tu & 683 ex. I have been getting emails and most recently a letter in the mail from amex wanting me to apply for the green card. I went to amex website to see what I would pre-qual for and got the green , gold and premier rewards gold card. The two cards that I aspire to get are amex bce and citi double cash. My question is should I take what I can get from amex now and go for a pc in a year (i read can't pc until 13 months has elapsed) our should I just keep on my steady path and wait until I get my score up to 720 -760 and apply? I currently have 3 dept store cc- hsn $750, ny&co $900 & vs $900, sdfcu secured cc $1000, fnbo $3000.  Your thoughts on this is appreciated.You cant PC the PRG or any charge cards to a revolver like BC/ED. How many inquiries? I would say based on just your scores and limits, and the fact that they approved me in may with only a third of the total limits I have now, you will probably be fine. If I were you, I would google Amex PRG 50k, once the page comes up from amex, if it says 25k after 2k spend, keep hitting refresh or open from a inprivate/incognito browser until it says 50k points after 1k spend. If you are at all concerned about being denied, many say to go for a charge card from them first vs a revolver. But I would say, why not just apply for both products using only one hard pull? I have seen similar and lower scores get approved for the BCE. But if you look at the pulls data base you will see the BCE is harder to get than the ED.  You may want to consider the two. I also thought that the BCE was what I really wanted at first, until I discovered the value of MR points. With the ED, no annual fee, easily 2.4 per dollar at grocery stores and 1.2 on everything else, and that can basically be worth double when redeeming for travel. Dont worry about the annual fee of the PRG. You can cancel it. But it does come with 100 a year free for airline fees.

  • Sallie Mae MC and AMEX BCE ACCEPTED! Also CHASE FREEDOM!

    Tonight I was accepted for the AMEX BCE and Sallie Mae World Mastercard! EDIT: ALSO CHASE FREEDOM! AMEX: $3000 CLSM MC: $5000 CLCHASE FREEDOM: $2500  I still need to do some researching on the world version of the MC, but I'm excited! Hopefully can get a Chase Signature in a few months! My Discover FICO showed: 746 but last update was 6/21/15 and I had a statement date of 6/27 that reported less than 1% utilization down from about 30%. Amex gave me a $250 bonus if I spend $1000 in 3 months, and SM is $25 after 1 purchase in 3 months I believe. Reported employed student making $25k (estimated if I remain in my job) 22 years old.

    After posting 2 replies that disapeard after page refreshed. a short version. I may do Freedom now and only have $1500 in 3 months spending to get bonuses(Missed out on $200 for Freedom). I want to wait on CSP to spread spending out on bonuses. And If I wait till after August I can use the 40k point bonus for my August 2016 honeymoon and decide if the card is worth keeping before my AF comes up. It will be nice to use in Canada with no FTF.  After CSP a venture may be after with travel bonus. I should stay under 5 card in 24 months as my portfolio is:Auto Loan: Nov 2012Discover It: July 2013Amex: June 2015Sallie Mae: June 2015 within 24 months: 2If I get Freedom: 3 Then CSP in Fall 2015 or Spring 2016: 4. Then Cap 1 doesn't seem to have same limit so should be good with them after Chase.   EDIT: DID CHASE FREEDOM AS WELL! 

  • Chase Southwest and Citi Double Cash!

    Two new cards in my wallet! Last Friday received an offer in the mail for Citi double cash. I responded to the offer and instantly approved with a credit limit of 1,500$.Yesterday i got an email offer for Chase Southwest. Since I'm almost always flying with Southwest and it was offering 50,000points as  a bonus after spending 2,000 in the first 3 months, I decided to apply! After applying a message appeared saying to call as soon as possible at 877-260-0087 etc. I called today morning and after verifying some info got approved for 2,500$!!! In terms of pulls, Chase pulled only EX and Citi both EX and EQ.  I now have 9 credit cards (5 new cards since June 2015: amex ED, amex bce, freedom, citi and southwest)and a total of 27,000$ in credit with a credit history of only 9 months! Annual salary around 55,000$.    EX fico: 660, 12 inquiries. TU fico 678. EQ i do not know but suppose it is higher than the rest cause i only have 5 inquiries there. Credit utilization: 26%Cards: bofa cash rewards sign visa 8,000$, chase freedom 3,500$, discover it 2,500$, cap 1 platinum 2,000$, cap 1 journey 1,500$, amex ED 4,500$, amex bce 1,000$, citi dc 1,500$ and chase southwest 2,500$. 

    Congratulations! Chase pulled both EX and EQ for both my Marriott and Hyatt cards earlier this year.Citi pulled both EX and EQ for the AAdvantage card I was just approved for.Oh well, they age off soon enough.

  • Sound is clipping / distorted (Marina and the diamonds)

    Hi All, Just bought Spotify Premium to try out the better quality to get from spotify by subscribing. By listening to "Marina and the Diamonds" i hear several numbers where the Bass tracks are clipping, distorted. Listen fx to this number : "Walley of the dolls" approx 47 seconds into the song.... Has several tracks been sampled in overloaded - distorted??? BR Flemming 

    webst wrote:
    Daughter - Youth has enormous clipping in louder parts. You (Spotify) should replaygain everything in your database and implement replaygain support in your clients. I don't know the reasons behind that but every CD I rip since I remember was clipping and needed to be replaygained. There are some digital implementations of volume control that seems to alter waveform directly thus removing overdrive effect. Proper way to check it is make your software (i.e. spotify) to loudest level, make your system to the loudest level and use your amplifier to set proper output gain. You'll hear clipping and that is not high quality audio.
    It would definitely have to be client side (Feature Request Topic) since Spotify don't (and aren't allowed to) edit any of the content they get from the record labels. In that sense, content Spotify provide to us "as is" they get it from the labels, hency why any requests for broken tracks to be fixed need to go labels. 
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  • ...ripping DVD material and saving as full movie...

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    Mmm... lots of Ripping these days...
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  • Running RIP between CPE and PE but rip database on CPE has no vrf routes

    I am running RIP between CPE and PE and it is working - I can see the RIP routes in the VRF routing table. However I cannot see the RIP routes on the CPE, which I need to be able to do.
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  • HT2534 I'm in New Zealand, and Amex, Discover and None are not available

    I'm in New Zealand, and Amex, Discover and None are not available

    I am having the same issue. I've been told by Apple Support that Amex isn't accepted in the NZ iTunes store, even though all iTunes store support pages still say it is.
    When I changed my store to Australia it appeared as an option (not helpful as my Amex is NZ).
    You can't even purchase an electronic Gift Card via the web-based Apple store - only a physical one that has to be mailed out. If you want an electronic Gift Card you can only purchase it through the iTunes store, so not particularly helpful either.
    But in the end it was my only option (yes, Amex is accepted as payment in the web-based NZ Apple store...).
    Now I just have to wait 4-6 days for it to be shipped to me.

  • Pre-Qual'ed for Amex Gold and Gold Premier, but i want Platinum. Should i apply for Platinum?

    What the title says.  The Amex pre qual site says im pre-qual'ed for Amex Gold and Gold Premier.  But i plan on doing quite a bit of traveling soon and based on that i would really prefer Platinum.  Should i try for Platinum anyway?  If i do apply for Platinum and get denied, will they do a second hard pull when i apply for Gold Premier?

    Irish80 wrote:
    slipper wrote:
    What the title says.  The Amex pre qual site says im pre-qual'ed for Amex Gold and Gold Premier.  But i plan on doing quite a bit of traveling soon and based on that i would really prefer Platinum.  Should i try for Platinum anyway?  If i do apply for Platinum and get denied, will they do a second hard pull when i apply for Gold Premier?Go ahead and apply for the Platinum.  The underwriting criteria is the same as for the PRG.+1 Only difference is AF

  • Amex BCE pre approved letter in mail

    Hello all, I recently got my second letter from Amex about to the BCEonly thing is only a couple week ago I was denied due to insufficient credit historyI was however approved for the freedom and venture the same day.What can this be? I was planning on keeping my 3 cards and letting them grow for a whileBut I really want this card. What do you guys think I should do ?wait it out or risk another inquiry and apply for BCE again. Would it be convenient for me to get it now or still wait? 

    Fredd_e wrote:
    Hello all, I recently got my second letter from Amex about to the BCEonly thing is only a couple week ago I was denied due to insufficient credit historyI was however approved for the freedom and venture the same day.What can this be? I was planning on keeping my 3 cards and letting them grow for a whileBut I really want this card. What do you guys think I should do ?wait it out or risk another inquiry and apply for BCE again. Would it be convenient for me to get it now or still wait? Does the letter give you a specific APR or a range?  If the latter, it's not a pre approval but a general marketing mailer.  Not likely that Amex will approve you for the same card three weeks after you were denied for the card.  I'd suggest you wait 3-6 months before trying again.

  • Getting Ripped DVD Video and Audio Into Encore

    Do you have previously authored DVDs that need rework?  Do you want to add menus with greater impact and functionality?  Do you want to add some additional program or supplemental material?  Does a client want their product demo DVD to be updated to reflect the capabilities of the new and improved version, but the source files no longer exist?  Using Adobe Encore DVD and a freeware utility called DVD Decrypter (DVDD), you can accomplish this quickly and easily.
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    Place the DVD to be ripped in your DVD drive and launch DVDD.  If you have more than one drive (e.g., a DVD-ROM and a DVD burner) make sure the one with the disc is selected in the Source dropdown list in the main program window.  Now we need to set up DVDD to extract video in a way that is “Encore friendly”.  This is the toughest part of the whole exercise.  Click on the Tools menu item and choose “Settings…”. 
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    IFO Mode Tab: Make sure that “Select Main Movie PGC” and “Enable Stream Processing” are checked.  “Uncheck Suspect Cells” is probably a good default safety check.  If your hard disks are formatted as NTFS, set File Splitting to “None”.  I leave “Copy IFO File” checked with the default sub-items checked.  Make sure that “Patch M2V Timecode” is unchecked.  The items in the Create Additional Files section are purely optional.  The author of DVDD has been kind enough to list which programs need which files; notice that Encore DVD isn’t listed as needing any of these extra files.  I do keep the “Stream Information” box checked.  DVDD generates very informative file names, but I like to keep “Include PGC Number” under File Names checked.  Be advised you will get some lengthy file names after DVDD is finished ripping.
    Stream Processing Tab: Since we enabled stream processing in the IFO Mode tab, we need to tell DVDD how to process those streams.  To save yourself time and confusion later, check the “Convert PCM to WAV” box.  Earlier versions of Encore required a Demuxed audio stream and a Raw video stream.  Encore 1.5.1 can accept either type of video stream (Raw or Demuxed) but it does still require a Demuxed audio stream.  However, I still recommend using Raw video and Demuxed audio, if only because it seems to be somewhat faster to process in DVDD.  This workflow is also backward-compatible with earlier versions of Encore.
    So let’s set up the Stream Processing tab now.  In the Demux box, enter “0x8? 0xA? 0xC?”.  This ensures that all audio streams in the selected PGC, whether AC3, PCM or MPEG will be set to Demux.  In the Raw box, enter “0xE0”.  This ensures that the video from the selected PGC will be set to Raw.  
    Additional Notes about the Stream Processing Tab:
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    2. Happily, recent versions of DVDD create a WAV file after ripping that will import directly into Encore.  Versions prior to 3.2.0.0 would create a WAV file that had to be imported to, and exported from, a sound editing program like Adobe Audition, Goldwave or SoundForge before Encore would recognize it.
    Events Tab: For convenience sake, I recommend setting “Set Program Mode” in the Startup section to “IFO”.  That way, whenever you launch DVDD, it will look familiar to you.  You may safely ignore all of the other tabs in the Settings dialog. 
    Ripping
    1.Under the Input Tab of the main program window, select the PGC you want to rip.  You can only do one at a time.
    2.Switch to the Stream Processing Tab.  Verify that Enable Stream Processing is checked.
    3.Check or uncheck any or all of the video and audio streams that are listed.  Highlight each one to verify that all audio streams are set to Demux and the video stream is set to Raw.
    4.If you didn’t select Default Destination in the General Settings Tab, then you need to tell DVDD where to put the ripped files now.
    5.Click on the big DVD-to-Disk icon.
    6.DVDD will announce, quite loudly, when it has finished.  At that point you can rename the files or import them as is into Encore.
    I hope you find this guide useful and that it helps you get the most out of your investment in Adobe Encore DVD.
    Guide © Jeff Bellune 2005

    OK, I can't tell you what we are doing, you'll have to trust me that it's for a very good cause. I'll simplify the use case as an example. If I can do the following we'll be OK:
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    I'd rather not do an interim conversion of the video data (like use a 3rd party app to convert to mp4 first and then read into QT, but I'm considering a conversion to DV) because that could seriously hurt the apps effectiveness. I also can't use another app (MPEG Streamclip, HandBrake, VisualHub, etc.) to do the conversion.

  • Why I feel Quicktime ripped me off - and how their CS made it worse

    Ok so this was about 6 months ago. I had been interested in learning more and more about QT, and finally to spend the money to upgrade to QT Pro. I think the standard at the time was version 6. I authorized a credit card payment for the $60 or whatever it was, and got the authorization code numbers in seconds to upgrade to QT Pro, and I was very happy.
    Three days later they came out with QT version 7. It was loaded onto my Powerbook with the other standard downloads, I didnt really think anything sinister of it as I had JUST paid for the Pro upgrade, so I felt no problems, I will get a newer version and thats even more outstanding, a new Pro version.
    NOPE, I was given the standard version. I typed in my authorization code that was 3 days old to upgrade the version 6 iteration to Pro, and it was rejected. This, I felt, was surely some sort of error, overlooked mistake, easily solved with a call to Customer Support.
    First I got the ROYAL runaround. Apple Support told me that while yes, technically they did accept my money and provide my upgrade authorization, that "Apple doesnt really own QT, and they are just providing a service for their customers, by expediting this type of thing."
    "The type of thing where I pay $60 and three days later it is declared no longer to apply to what was supposed to be a Pro Upgrade because the new release doesnt recognize the code? This is what you do as a courtesy for me? I want either my money back or an active code to upgrade V7 to Pro"
    Apple would do neither. It was their position that they had to obligation here, and if they gave me special treatment *I loved that phrase* then everyone who ever bought QT would always want apple to give them free Pro upgrades.
    To make matters worse, QT refused to assist me as well, and took the position that, since I installed the newer version on my Mac, that not only was I NOT entitled to a Pro upgrade of the version released 3 days after I decided to buy it, but they ALSO would not allow me to have a legal copy of the previous version to which my upgrade code would work to raise it to Pro status! Yes, they told me that they had revoked my upgrade code so that it would no longer work even if I wanted to downgrade to version 6, because by installing the "Improved" new version 7, I entered into a contractual obligation which voided any end-user permissions I may have had claim to if I had not allowed my Mac to run its usual weekly upgrades and patches downloads.
    If I wanted to pay them another $60 or whatever, I was welcome to a functional copy of an upgrade code for the new version of QT.
    I declined.
    I was amazed that everything happened the way it did. I got screwed coming and going, by Apple and by Quicktime, and all I wanted to do was to enjoy what I felt was a nice program and which I had reached that moment - you have all felt it - like when shareware works so well you whip out the credit card and give them $20 for unzip or whatever? Well, I had decided this about Quicktime, and they turned around and reamed me. I can say I have never been so fouly treated by a software company, not even Microsoft.
    The perfect icing on the cake of course was that my credit card would not stop payment because I told them the truth of the whole thing and they said that if that was the case then I had to right to dispute the charges, the software company may be rude and so forth, but they were clearly within their rights, said my credit card rep.
    I paid the card in full and canceled it.
    Thoughts on this?
    Gileas

    While the question was answered long before the excellent post in reply to mine (and following which the thread was locked... I do not see what the need for that was, I was not finished explaining my situation by answering the cogent and first rate questions posed by the reply poster.) There remains the questions that I felt were essential to the issue, not that the software company had a legal right to do what they did, but that by doing so with such disregard for my concerns and my sense of having been treated with total disregard, that what was essentially accomplished was an unresolved animosity toward the way this was handled. To anwer the poster's question 'why did I wait so long to post this?' is to overlook the essence of the whole episode - that being one where after a year of keeping busy, working, vacations, raising kids, etc etc I still feel so poorly treated by the way this was handled that I posted about it at all.
    Of course I made a series of errors, of course I could have done a better job of researching what was going to happen, but I also expected the company that I had just paid to act in good faith, and that Apple, who had just collected roughly 3,000$ for my pbook G4 would have tried to resolve the issue in a way that did not alienate me.
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  • Heavy Fog - Layout Managers and the word "preferred"

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    While reading the API, the tutorials, and various other documentation dealing with layout managers, I keep coming across the word "preferred" - "preferred size", "preferred width", "preferred height", and so on.
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    This whole "preferred" business is, to me, circular and confusing, and the more I read, the foggier things get.
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    Ciao for now.

    You should never use setSize(). The size of a component is set by the LayoutManager as the components in the container are layed out. For example say you are using a GridLayout and you have 3 buttons: following text:
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    Every LayoutManager has rules it follows with respect to preferredSize, minimumSize and maximumSize. Read the Swing tutorial on [url http://java.sun.com/docs/books/tutorial/uiswing/layout/visual.html]Using Layout Managers.

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