M&M credit card for US residents [merged Barclays MasterCard thread]
Oct 3, 2007, 5:59 am
#17
FlyerTalk Evangelist
Join Date: Oct 2004
Location: MUC/LAX/SMV
Programs: LH, UA, BD, AA, NW, FB, NH, AC, Sixt, Hertz, Avis, *W, HH, Marriott, PC, Leaders Club, AMEX
Posts: 12,406
Oct 3, 2007, 6:27 am
#18
Join Date: Mar 2006
Location: HAM, GVA
Programs: LH MM
Posts: 315
on the apply form at the bottom it says:
By pressing APPLY I certify that:
I am at least 18 years old and a permanent resident of the United States;
I understand that Barclays may call me in connection with this application and for other matters relating to this account;
I have reviewed and accept the Terms and Conditions that were provided before I applied for each account; and
I have truthfully and completely provided the information on this application.
Maybe I can overlook that...
By pressing APPLY I certify that:
I am at least 18 years old and a permanent resident of the United States;
I understand that Barclays may call me in connection with this application and for other matters relating to this account;
I have reviewed and accept the Terms and Conditions that were provided before I applied for each account; and
I have truthfully and completely provided the information on this application.
Maybe I can overlook that...
Oct 3, 2007, 6:29 am
#19
Moderator: Asiana & Qantas Frequent Flyer
Join Date: Dec 2006
Location: STR/SYD/SMF
Programs: QF Lifetime SG, LH HON, OZ Lifetime Diamond +, HH Diamond, Marriott Lifetime Platinum
Posts: 14,367
on the apply form at the bottom it says:
By pressing APPLY I certify that:
I am at least 18 years old and a permanent resident of the United States;
I understand that Barclays may call me in connection with this application and for other matters relating to this account;
I have reviewed and accept the Terms and Conditions that were provided before I applied for each account; and
I have truthfully and completely provided the information on this application.
Maybe I can overlook that...
By pressing APPLY I certify that:
I am at least 18 years old and a permanent resident of the United States;
I understand that Barclays may call me in connection with this application and for other matters relating to this account;
I have reviewed and accept the Terms and Conditions that were provided before I applied for each account; and
I have truthfully and completely provided the information on this application.
Maybe I can overlook that...
Oct 3, 2007, 6:50 am
#20
FlyerTalk Evangelist
Join Date: Oct 2004
Location: MUC/LAX/SMV
Programs: LH, UA, BD, AA, NW, FB, NH, AC, Sixt, Hertz, Avis, *W, HH, Marriott, PC, Leaders Club, AMEX
Posts: 12,406
There usually is no problem with applying as a temporary resident. The bigger issue some people who do not live in the US will face is the fact that they do not have a credit history in the US. And when Barclays is doing the credit check it will come back without result and they will decline your application.
According my visa, I'm technically not a permanent resident of the U.S. (so I have to use the "visitor" entrance in immigration). Then again, my visa allows me to get my a Social Security card, driver's license, cell phone contracts (iPhone!) and most importantly a credit history. Funnily, I have very good credit, even though I don't earn one single dollar in the U.S. and am taxing in Germany. Then again, I could actually legally apply and get a job with a U.S. employer, and my visa allows for virtually unlimited stays.
I really like my visa, as it's as easy and inexpensive to get and renew as a standard tourist visa. Still, I enjoy pretty much the same benefits as a greencard holder / permanent resident.
Oct 3, 2007, 8:00 am
#21
Join Date: Jun 2005
Location: NYC
Programs: UA Platinum, Hyatt Globalist, SPG Platinum
Posts: 138
Wow!
This is one of the best deals i have seen in months!
I see it this way: get 20k miles for signing up and 15k for balance transfers. The annual fee is $79 and the balance transfer fee is capped at $50.
If i transfer $15,000 from another credit card to make use of the full balance transfer bonus and the 0% APR on balance transfers I make about $375 in interest (assuming 5%) by not paying my credit card off and keeping the balance in my account until the 0% introductory period is over.
Assuming that we value miles conservatively at $0.01 (and we all know they are worth more) I get a value of about $600 for free ($375 + $350 - $79 - $50) just for applying.
Amazing deal!!!
I see it this way: get 20k miles for signing up and 15k for balance transfers. The annual fee is $79 and the balance transfer fee is capped at $50.
If i transfer $15,000 from another credit card to make use of the full balance transfer bonus and the 0% APR on balance transfers I make about $375 in interest (assuming 5%) by not paying my credit card off and keeping the balance in my account until the 0% introductory period is over.
Assuming that we value miles conservatively at $0.01 (and we all know they are worth more) I get a value of about $600 for free ($375 + $350 - $79 - $50) just for applying.
Amazing deal!!!
Oct 3, 2007, 8:02 am
#22
Join Date: Nov 2006
Location: BTS/VIE
Programs: LH MM**, HH Silver
Posts: 2,282
Oct 3, 2007, 8:04 am
#23
FlyerTalk Evangelist
Join Date: Oct 2004
Location: MUC/LAX/SMV
Programs: LH, UA, BD, AA, NW, FB, NH, AC, Sixt, Hertz, Avis, *W, HH, Marriott, PC, Leaders Club, AMEX
Posts: 12,406
Oct 3, 2007, 10:37 am
#24
FlyerTalk Evangelist
Join Date: Dec 2000
Location: south of WAS DC
Posts: 10,131
Thanks for the post!
Main thing is the no expiry of miles - This is fantastic!:
"Unlimited validity of miles with Miles & More Credit Cards
* Your award miles will not expire after 36 months, but will remain valid for an unlimited time if you meet the following conditions:
- You are a Miles & More Credit Card holder for at least 3 months, and
- Each month you need to have minimum 1 purchase with the
Miles & More Credit Card (incl. partner card) which is eligible for miles - First time, the mileage decay defers as of September 30, 2007
* None of your award miles will expire - it doesn't matter if you earned/will earn them with flights, purchases or specials offered by other Miles & More partners"
Link: http://www.miles-and-more.com/online...3089&solo=norm
Main thing is the no expiry of miles - This is fantastic!:
"Unlimited validity of miles with Miles & More Credit Cards
* Your award miles will not expire after 36 months, but will remain valid for an unlimited time if you meet the following conditions:
- You are a Miles & More Credit Card holder for at least 3 months, and
- Each month you need to have minimum 1 purchase with the
Miles & More Credit Card (incl. partner card) which is eligible for miles - First time, the mileage decay defers as of September 30, 2007
* None of your award miles will expire - it doesn't matter if you earned/will earn them with flights, purchases or specials offered by other Miles & More partners"
Link: http://www.miles-and-more.com/online...3089&solo=norm
the link shown has the following caveat:
# Mileage expiry will be suspended under the above mentioned conditions for the following Miles & More Credit Cards:
the statement is somewhat convoluted, but I think it means that if the card is not named , purchases do not extend the expiry of points.
the USA card is not named.
Oct 3, 2007, 11:38 am
#25
FlyerTalk Evangelist
Join Date: Oct 2004
Location: MUC/LAX/SMV
Programs: LH, UA, BD, AA, NW, FB, NH, AC, Sixt, Hertz, Avis, *W, HH, Marriott, PC, Leaders Club, AMEX
Posts: 12,406
Oct 3, 2007, 3:22 pm
#26
Join Date: May 2003
Location: Eurozone
Programs: LH SEN, HH Gold
Posts: 3,002
I've got my application in and received a ^.
Not that too many here in this forum might care, but I did notice that Barclays/Juniper still do not support (and haven't for years) the U.S. military postal codes. It just seems odd that they would ignore the 100's of thousands of U.S. military members and their family members who are potential customers. It's as if Barclays/Juniper thinks no one in the U.S. military would have a credit card (?).
Not that too many here in this forum might care, but I did notice that Barclays/Juniper still do not support (and haven't for years) the U.S. military postal codes. It just seems odd that they would ignore the 100's of thousands of U.S. military members and their family members who are potential customers. It's as if Barclays/Juniper thinks no one in the U.S. military would have a credit card (?).
Oct 3, 2007, 3:33 pm
#27
Moderator: Asiana & Qantas Frequent Flyer
Join Date: Dec 2006
Location: STR/SYD/SMF
Programs: QF Lifetime SG, LH HON, OZ Lifetime Diamond +, HH Diamond, Marriott Lifetime Platinum
Posts: 14,367
I've got my application in and received a ^.
Not that too many here in this forum might care, but I did notice that Barclays/Juniper still do not support (and haven't for years) the U.S. military postal codes. It just seems odd that they would ignore the 100's of thousands of U.S. military members and their family members who are potential customers. It's as if Barclays/Juniper thinks no one in the U.S. military would have a credit card (?).
Not that too many here in this forum might care, but I did notice that Barclays/Juniper still do not support (and haven't for years) the U.S. military postal codes. It just seems odd that they would ignore the 100's of thousands of U.S. military members and their family members who are potential customers. It's as if Barclays/Juniper thinks no one in the U.S. military would have a credit card (?).
Oct 3, 2007, 4:12 pm
#28
Join Date: Sep 2005
Location: BOM-SIN-EWR
Programs: UA*G (1K again), Sixt Plat, *was*: SQ QPP01 & SK EBS/EBG, LH SEN, AA EXP, 9wPlat
Posts: 8,606
This is one of the best deals i have seen in months!
I see it this way: get 20k miles for signing up and 15k for balance transfers. The annual fee is $79 and the balance transfer fee is capped at $50.
If i transfer $15,000 from another credit card to make use of the full balance transfer bonus and the 0% APR on balance transfers I make about $375 in interest (assuming 5%) by not paying my credit card off and keeping the balance in my account until the 0% introductory period is over.
Assuming that we value miles conservatively at $0.01 (and we all know they are worth more) I get a value of about $600 for free ($375 + $350 - $79 - $50) just for applying.
Amazing deal!!!
I see it this way: get 20k miles for signing up and 15k for balance transfers. The annual fee is $79 and the balance transfer fee is capped at $50.
If i transfer $15,000 from another credit card to make use of the full balance transfer bonus and the 0% APR on balance transfers I make about $375 in interest (assuming 5%) by not paying my credit card off and keeping the balance in my account until the 0% introductory period is over.
Assuming that we value miles conservatively at $0.01 (and we all know they are worth more) I get a value of about $600 for free ($375 + $350 - $79 - $50) just for applying.
Amazing deal!!!
Last edited by SuperFlyBoy; Oct 3, 2007 at 4:17 pm Reason: Rephrased for clarity!
Oct 3, 2007, 4:55 pm
#29
Join Date: Oct 2001
Location: Somewhere...
Programs: AA PLT/3MM, UA GM/1MM, DL DM/1MM, FB Plat, AS MVP Gold, WN AList+
Posts: 1,588
I was a little concerned that LH would not have someone else pick them up in the U.S. - Clearly this concern was not warranted.
Goodbye BOA/MBNA - Hello Barclays. The benefit of not having miles expire is a big plus to this.
Goodbye BOA/MBNA - Hello Barclays. The benefit of not having miles expire is a big plus to this.
Oct 3, 2007, 8:06 pm
#30
Join Date: Apr 2003
Location: MEL/LAX
Programs: AAdv GLD(MM), QF LTS, UA MP_nada, HH Gld, SPG, GoldenCircle Jade
Posts: 4,472
Did anyone pickup whether the 15k for balance transfers is only for those done at sign-up or any balance transfer (within the first year or similar)? I have a property tax payment coming up which I can pay for with a credit card (2% fee), and then transfer that balance to the M&M card for 0 APR for 6 months.