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everyday:money:credit_cards [2019/04/12 21:00]
admin
everyday:money:credit_cards [2019/06/04 22:25] (current)
admin
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 ====== Signup Bonus Harvesting ====== ====== Signup Bonus Harvesting ======
  
 +
 +===== BarclayCard =====
 +
 +{{:​everyday:​money:​pasted:​20190506-195606.png}}
 +  * Lacks being specific or doing another option, current balance. Thankfully on the next screen, it clarifies it will charge the lesser of your statement balance or your current balance. But it really should be statement balance - payments against it, or "​whatever is needed to prevent me from getting interest"​.
 +
 +<​blockquote>​Please note: If your current balance is less than your scheduled repeat payment at the time we process your payment, we'll reduce or cancel your payment accordingly. Also, when your selected amount is less than your minimum due, to ensure your account does not go past due and that you remain in good standing, your repeat payment will be increased to the minimum due amount. If you do not wish to have this amount increased, please contact us by 7 pm on the scheduled date.</​blockquote>​
 +
 +Case 2708728. ​
 ===== Checking Accounts ===== ===== Checking Accounts =====
 === Checklist === === Checklist ===
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   * [[https://​www.huntington.com/​H5OFFER-AFF?​cmpid=afc:​consumer_checking:​hmb_h5_checking_link:​hmb&​sc_camp=3E2E15940A77450497B51C410E635EA9&​spacer=0|Huntington]]:​ $1000 transferred in. $5/month charge unless 5k balance. Keep account open for 90 days.   * [[https://​www.huntington.com/​H5OFFER-AFF?​cmpid=afc:​consumer_checking:​hmb_h5_checking_link:​hmb&​sc_camp=3E2E15940A77450497B51C410E635EA9&​spacer=0|Huntington]]:​ $1000 transferred in. $5/month charge unless 5k balance. Keep account open for 90 days.
   * HSBC Choice Checking ($1500 transferred in (not necessarily direct deposit, maintained for 90 days). By March 31.   * HSBC Choice Checking ($1500 transferred in (not necessarily direct deposit, maintained for 90 days). By March 31.
 +    * $5 monthly fee for balance < $5K.
     * $25 early termination fee if before 180 days. Well, bummer.     * $25 early termination fee if before 180 days. Well, bummer.
 +    * Would I do the work for $150, less tax? Not really...
   * [[https://​www.moneycrashers.to/​chase-premier-plus-checking?​u1=17548-l4-c-b-b|Premier Plus Checking]]. Might add Savings of $15K for additional $300 (8% annualized). https://​accounts.chase.com/​consumer/​banking/​online?​px=YW47222&​jp_aid_a=/​Acquisition/​ConsumerBank/​P2XLOBChamp600&​jp_aid_p=chasehome_3/​hero#​   * [[https://​www.moneycrashers.to/​chase-premier-plus-checking?​u1=17548-l4-c-b-b|Premier Plus Checking]]. Might add Savings of $15K for additional $300 (8% annualized). https://​accounts.chase.com/​consumer/​banking/​online?​px=YW47222&​jp_aid_a=/​Acquisition/​ConsumerBank/​P2XLOBChamp600&​jp_aid_p=chasehome_3/​hero#​
     * Just need one direct deposit. Can close afterwards. (one month)?     * Just need one direct deposit. Can close afterwards. (one month)?
   * Capital One 360. $25 * 3   * Capital One 360. $25 * 3
-  * Wells Fargo, direct deposit of $3k each month for 3 months for $400. But reachable.+  * Wells Fargo, direct deposit of $3k each month for 3 months for $400. Don't seem to be electronic transfer fees, also no fees if you have DD'​s. 
 +    * {{ :​everyday:​money:​bonus_offer_disclosure_en.pdf |}} 
 +    * There should be no fee to transfer money out of it.
   * KeyBank, big bonus but need to be invited.   * KeyBank, big bonus but need to be invited.
   * <​del>​Bank of America</​del>​   * <​del>​Bank of America</​del>​
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 ^ Name ^ Amount ^ Notes ^ ^ Name ^ Amount ^ Notes ^
-| Citi Premier, maybe AA cards? | $4000 / $625 on airfare | |+| Citi Premier, maybe AA cards? | $4000 / $625 on airfare, $850 if on [[https://​thepointsguy.com/​guide/​citi-thankyou-transfer-times/​|preferred list]], which includes AA. \\ Have to book through Citi Travel center for 1.25X points, but doesn'​t seem to have exact flight, but can book individually for about the same price.\\ So decide if you really want to come back that day or stay longer... | | 
 +| Citi AAdvantage ... can apply separate from Citi Premier and still get signup bonus avoiding 24-month rule. \\ https://​onemileatatime.com/​citi-card-24-month-rule/ ​| |
 | HSBC Premier World | $3000 / $400 airfare | | | HSBC Premier World | $3000 / $400 airfare | |
 | Capital One Venture / Savor | $500/$3k, $500/$3k | Shortly? Denied Fall 2018 | | Capital One Venture / Savor | $500/$3k, $500/$3k | Shortly? Denied Fall 2018 |
everyday/money/credit_cards.1555128059.txt.gz · Last modified: 2019/04/12 21:00 by admin