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Old Jan 1, 2014, 10:01 am
  #286  
 
Join Date: Dec 2013
Posts: 1
Originally Posted by alexisonsmith
what do you mean by bad credit? Canadian Kilometers has a good blog about churning. you could apply for the amex gold card (see signature ). however if you have bad credit I would wait 3 months and ensure you do not carry a balance by paying your balance completely off every month that should improve your credit.
Well, I have a credit card from 6 years ago that I owe $10,000 to and it hasn't disappeared off my profile yet.
I had my BMO mastercard for 3 years now and I've spent over $20k a year with it and always pay it off before the 21 day limit.
jeremyhalifax88 is offline  
Old Jan 1, 2014, 11:05 am
  #287  
 
Join Date: Nov 2011
Posts: 6,385
Originally Posted by jeremyhalifax88
I just got my Amex aeroplan gold card and will make a $500 purchase next week so I should have 30,000 aeroplan points.
I applied for the Aeroplan member gold card also last week(around the same time I applied for my last aeroplan card) and hopefully it gets approved.

So what is the trick here to churn and make the most out of these cards?
Should I apply for more cards? (I have bad credit)

I also have the BMO World elite card.
My end goal is to travel from Halifax to Orlando return with my girlfriend for free
Originally Posted by jeremyhalifax88
Well, I have a credit card from 6 years ago that I owe $10,000 to and it hasn't disappeared off my profile yet.
I had my BMO mastercard for 3 years now and I've spent over $20k a year with it and always pay it off before the 21 day limit.
Remember your credit score is determined by 4 parts:
35% - payment history (do you pay on time?)
30% - outstanding debt (credit utilization ratio)
15% - credit history (how long have you had credit)
10% - new credit (inquiries)
10% - types of credit you have

Here is my post on churning:
http://boardingarea.com/canadiankilo...urning-basics/
yerffej201 is offline  
Old Jan 1, 2014, 12:52 pm
  #288  
 
Join Date: Dec 2012
Location: Canada
Posts: 115
Originally Posted by jeremyhalifax88
Quote:





Originally Posted by alexisonsmith


what do you mean by bad credit? Canadian Kilometers has a good blog about churning. you could apply for the amex gold card (see signature ). however if you have bad credit I would wait 3 months and ensure you do not carry a balance by paying your balance completely off every month that should improve your credit.




Well, I have a credit card from 6 years ago that I owe $10,000 to and it hasn't disappeared off my profile yet.
I had my BMO mastercard for 3 years now and I've spent over $20k a year with it and always pay it off before the 21 day limit.
I don't think you'll want to do a great deal of churning with your history. Make your applications count.

definitely the American Express Gold card (lots of referral options available) for 25,000 Mileage Rewards points, which you can turn into 25000 Aeroplan, or other options.

Even if you don't plan to keep the card for a second year, keep it at least 6 months. And keep making those payments on time.
methodman is offline  
Old Jan 1, 2014, 8:24 pm
  #289  
 
Join Date: Nov 2011
Posts: 6,385
Originally Posted by methodman
I don't think you'll want to do a great deal of churning with your history. Make your applications count.

definitely the American Express Gold card (lots of referral options available) for 25,000 Mileage Rewards points, which you can turn into 25000 Aeroplan, or other options.

Even if you don't plan to keep the card for a second year, keep it at least 6 months. And keep making those payments on time.
just for full disclosure you should go through rfd site and get cashback for amex gold app
yerffej201 is offline  
Old Jan 1, 2014, 11:04 pm
  #290  
 
Join Date: Jan 2013
Programs: Aeroplan Diamond, SPG Plat, Hilton Gold, Marriott
Posts: 1,839
Originally Posted by yerffej201
Remember your credit score is determined by 4 parts:
35% - payment history (do you pay on time?)
30% - outstanding debt (credit utilization ratio)
15% - credit history (how long have you had credit)
10% - new credit (inquiries)
10% - types of credit you have

Here is my post on churning:
http://boardingarea.com/canadiankilo...urning-basics/
Very good information. People often over look the importance of the credit utilization ratio. I usually use less than 30% of my credit limit for each card trying to get full score for the 30%
Cana2013 is offline  
Old Jan 2, 2014, 11:23 pm
  #291  
 
Join Date: Jan 2013
Location: YVR
Programs: Aeroplan, British Airways, Alaska
Posts: 249
How do I create a link to refer an Amex card to someone? On the Amex website it only allows you to enter email address.

Thanks
Sean22mac is offline  
Old Jan 2, 2014, 11:35 pm
  #292  
 
Join Date: Nov 2009
Location: YVR
Programs: I'm a nobody everywhere
Posts: 424
Send an e-mail to yourself. There will be a link in there. Hope that helps.
teriyaki is offline  
Old Jan 3, 2014, 4:14 am
  #293  
 
Join Date: Mar 2007
Posts: 4,784
Originally Posted by Sean22mac
How do I create a link to refer an Amex card to someone? On the Amex website it only allows you to enter email address.

Thanks


1. Go to Amex Canada website, login to your account.
2. Click on REWARDS banner (top-right) -> Refer a Friend
3. Choose "Aeroplan Gold".
4. You'll now be able to recommend the "Aeroplan Gold/Gold Rewards Card"
5. I recommend copying the link via Facebook option, instead of Email way (Gmail is reliable, Hotmail isn't)
jerryhung is offline  
Old Jan 3, 2014, 8:33 am
  #294  
Used to be '076753k'
 
Join Date: Feb 2011
Location: YOW
Programs: AirCanada*G
Posts: 226
I've noticed a few people with links in the signatures for the referral link AMEX 30k. So for signing up I would get 30000 points/1st year free after meeting the spend requirement? I just cancelled my AMEX aeroplan plat card a few weeks ago before the annual fee

If that's the case, rather than just pick a link, the 1st person to PM me the link get's the referral points.
colinary is offline  
Old Jan 3, 2014, 8:41 am
  #295  
 
Join Date: Sep 2012
Location: YYZ (YUL/LHR)
Programs: AC - E50, CX - G, Accor Plat, SPG Gold
Posts: 903
Originally Posted by 076753k
I've noticed a few people with links in the signatures for the referral link AMEX 30k. So for signing up I would get 30000 points/1st year free after meeting the spend requirement? I just cancelled my AMEX aeroplan plat card a few weeks ago before the annual fee

If that's the case, rather than just pick a link, the 1st person to PM me the link get's the referral points.
PM sent
markandrew is offline  
Old Jan 3, 2014, 10:16 am
  #296  
 
Join Date: Sep 2012
Posts: 1,098
Originally Posted by 076753k
I've noticed a few people with links in the signatures for the referral link AMEX 30k. So for signing up I would get 30000 points/1st year free after meeting the spend requirement? I just cancelled my AMEX aeroplan plat card a few weeks ago before the annual fee

If that's the case, rather than just pick a link, the 1st person to PM me the link get's the referral points.
Click on my signature for the referral. Thanks for your support
flyertalker00156 is offline  
Old Jan 3, 2014, 11:25 am
  #297  
Suspended
 
Join Date: Jan 2010
Location: Calgary, Alberta
Programs: Hyatt Diamond, Fairmont Platinum, Aeroplan Diamond, HHonors Gold, SPG Gold
Posts: 18,686
Just generated a link from my wife's account setting up an AeroPlat referral for myself. One referral bonus is 10k and another 15k.. Obviously generated the 15k link but my wife isn't an AeroPlat cc holder. This the 15k referral link work for you guys when not an AeroPlat cc holder? She is just a regular Aeroplan gold cc holder.

Also on topic, my wife's Aeroplan account posted her bonus balance December 17 25k. Interesting, her cc statement didn't print yet the bonus posted to her AE account.
Ancien Maestro is offline  
Old Jan 3, 2014, 11:35 am
  #298  
 
Join Date: Oct 2001
Location: YYC
Posts: 1,876
Alright, time for me to jump on the AeroplanPlus Gold Card bandwagon. First person to reply that they want to refer me gets my application!
superdawg is offline  
Old Jan 3, 2014, 11:40 am
  #299  
 
Join Date: Sep 2012
Posts: 1,098
Originally Posted by superdawg
Alright, time for me to jump on the AeroplanPlus Gold Card bandwagon. First person to reply that they want to refer me gets my application!
Please see my signature. Thanks for your support
flyertalker00156 is offline  
Old Jan 3, 2014, 2:15 pm
  #300  
Used to be '076753k'
 
Join Date: Feb 2011
Location: YOW
Programs: AirCanada*G
Posts: 226
Thanks for the quick replies. 1st person has been contacted.
colinary is offline  


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