Quote:
Originally Posted by KPowers
Whoops. I paid off a debt online, but there was nothing about pay for delete or anything like that. In your opinion are they going to delete it anyways, or does that rarely happen without an explicit request?
If it isn't deleted, what's my next step?
It rarely happens, and they will probably mark it as paid, zero balance. Not much you can do after you've paid it.
Quote:
Originally Posted by imjosh
JL, any recommendation on what to do with extra AA miles? I have 23k on one and wife has 11k on another. Redemption price for a typical mile-saver flight is like 12,500 I think. Should we try to downgrade the card somehow (could we keep the miles?) Or is there another alternative? Annual fee will hit in about 4 months... but even if they did extend us for another year, i can't see us spending much on these cards to rack up more miles.
edit: reading about the chase hyatt card u mentioned earlier as it would probably be a good thing to combine with the miles i have left if i decide to book a flight somehow. Got approved for the $50 statement credit offer + 2 free nights for a credit limit that is now my 2nd highest, woohoo! Now gotta get the wife to apply.
If you downgrade the card you keep the miles. There is a bronze version of the card that is fee free. 12.5k is the requirement for a saver level economy one way in the US. They have waived the annual fee on mine two years in a row.
I don't see how the Hyatt card fits into the strategy regarding AA. I would only get the Hyatt cards for both of you if you have an idea of where you will redeem the free nights within the next year.
Quote:
Originally Posted by Trollstoy
So I was planning on buying a new car next July but I'm at the point where I'm pretty comfortable not sinking any more money into the car I have now and ready to pull the trigger if it comes to it. I have decent credit and I have a bank of America card with a tiny limit that I've never had increased, should I try to increase it as much as possible or will that be a bad look credit wise if I have to make this car purchase in the next 3-4 months?
Whats your credit score? What's your total available credit? If that's your only card and your only credit limit then you might need more available credit. If you have decent credit and that card doesn't mean much to you, you're probably better off getting a new card with a bigger limit than increasing the limit you have. You can ask BOA for a CLI, but only if there is not a hard pull associated (this is the best case option).