hmm...i can do this, there's no way for chase to tell me?

They probably could...but where's the fun in that?

I generally try not to call them unless absolutely necessary.

I like LAX88's post about getting bonuses on spend.

Depending on what your credit card programs are like and what you're trying to achieve; for instance, even with the free AMEX Hilton after $20,000 spend in a calendar year you'd receive Hilton gold status. You'd get at least 90,000 points @ 3x/$.

Same with the Palladium. At least 60k points, then you'd receive the 25k points.

AMEX SPG Business has 30k spend and you get gold with SPG. So you'd receive at least 30k points & gold status.

What is the CC processing fee? What cards do you have?

Thanks ^ ... but remember ... here's my own quote from # 1:

You need to explain the statement that immediately follows, because that suggests the ability to pay by CC with a surcharge.

Ufb direct has debit card that earns .5% aamiles per dollar. Maybe u can work that in

I think the debit card or a Bank direct checking is the way to go. It's not much different than any other big, non-miles earning tab. I'm seeing the debit cards, the Citibank miles earning checking account, or the Bank Direct checking as a good way to earn some points on regular bills... mortgage, taxes, those kind of things without having to jump through the hoops of reloads, gift cards and the like. No, it's not x5, but it sure is easier. You can pay with a check like a normal person and nobody will learn of your addiction.

Personally, I've got enough financial accounts going that if I died tomorrow my family might never find it all-- or those dang passwords to access the accounts.

The thread really needs to be retitled again "Which NEW card should I get for large spend" as opposed to which card (that I already have) do I use for large spend? Not all of us play the credit card churn game.

This is really a good subject for a new thread, we could call it "Which card to use for recurring payments?"

Putting aside the cards that give you bonuses for telecom spend, e.g. Chase, it is really a question of which provides the most miles/points for non-bonus categories.

However there is an additional element to consider and that is the hassle of switching all your autopayments when you card is compromised. I had 3 cards replaced last year (no losses, attempted fraud was detected quickly) and let me tell you it is a PITA to change your card # on roughly 8-12 periodic autopayments. After the second one I got smart and moved them all to a card that never leaves my house, in this case, one of our Chase Southwest cards. 1.67% rebate, which is better than 1% back but not as good as 2%+ that you might see if you are judicious about booking reward travel. But trust me, you don't want to use your everyday spend card for recurring payments, there is just too much attempted fraud and you don't have a choice when the bank decides to replace your card.

BTW, I would never ever use a debit card - the risk of having your account drained by a fraudulent transaction is too high. With credit cards you simply dispute the charge and let the bank justify its position. With debit cards, your account balance goes to zero until the bank decides to reverse the charge.

I am pretty new to the game; however I think that it's key to know what the purpose of collecting points/miles and have a plan to manage it. Recently I am trying to consolidate the points and miles to the programs that I use most often or provide the "best" perks for some high spending (annual).

So far, this is what i have collected:

1 - BA Chase Card - 30k USD spending for a First Class BA companion ticket (even from award ticket)
2 - Amex PGC - 30K USD for extra 15K points
3 - Delta Plat - 25K USD for 10K MQM; 50K USD for 20K MQM;(DL Reserve has similar 30K for 15K MQM and 60K for 30K MQM
4 - Amex SPG - 30K USD for SPG GOLD status
5 - US BANK AS Card - 25K for 10K status miles

I would appreciate it if anyone can share more of such info.

Here.

Citi reserve and amex surpass Hilton plat after 40000 spending. Us airways master card 10000 status miles for 25000 spending. And you can get free spg gold from amex plat card.