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Search: Posts Made By: synzero
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Oct 28, 20, 8:27 am
Replies: 391
Views: 35,249
Posted By synzero

Of course, I agree of course that businesses can...

Of course, I agree of course that businesses can and should be regulated by law. I simply think using the phrase "extrajudicial punishment" is hyperbole. It doesn't seem to me that what Delta is...
Oct 28, 20, 6:31 am
Replies: 391
Views: 35,249
Posted By synzero

The use of the term "extrajudicial" in this...

The use of the term "extrajudicial" in this context always refers to punishments carried out outside a legal framework. If you use "extrajudicial" to refer to literally any action by a private...
Oct 28, 20, 4:32 am
Replies: 391
Views: 35,249
Posted By synzero

There's nothing "extrajudicial" about it. It's a...

There's nothing "extrajudicial" about it. It's a private business making a decision about their private affairs.
Oct 26, 20, 7:20 am
Replies: 412
Views: 55,355
Posted By synzero

Chase business cards don't officially count...

Chase business cards don't officially count towards 5/24 but they DO sometimes consider them when deciding on an approval (as I discovered when I called recon after a first denial). So you won't be...
Oct 18, 20, 8:37 am
Replies: 412
Views: 55,355
Posted By synzero

Update: I was approved! Just logged into my Chase...

Update: I was approved! Just logged into my Chase online account and I see brand new IHG Premier card there. Guess the "second review" was nothing to worry about. Calling reconsideration twice and...
Oct 17, 20, 5:47 pm
Replies: 412
Views: 55,355
Posted By synzero

When I called recon the first time I already...

When I called recon the first time I already offered to move credit line around; that wasn't persuasive. Even if you add in my business cards we are still far from 50% of my income; I think the...
Oct 17, 20, 9:48 am
Replies: 412
Views: 55,355
Posted By synzero

The first recon call mentioned this in passing as...

The first recon call mentioned this in passing as the call ended -- "you have balances on several cards". I didn't really process it until after we hung up -- I realized she had been looking at my...
Oct 17, 20, 8:51 am
Replies: 412
Views: 55,355
Posted By synzero

Around 800 FICO, high usage on cards but I pay...

Around 800 FICO, high usage on cards but I pay them off. Prior to the pandemic I never had a problem getting approved for Chase cards. However, just applied for an IHG Premier despite being 4/24, I...
Oct 17, 20, 12:02 am
Replies: 364
Views: 66,924
Posted By synzero

We actually really liked the dining room...

We actually really liked the dining room breakfast - far better than Starbucks (didn't try the room service breakfast); the only meal we really didn't like was the room service dinner (both Korean...
Oct 13, 20, 7:41 am
Replies: 88
Views: 22,097
Posted By synzero

I will certainly be looking forward to trying...

I will certainly be looking forward to trying this lounge -- after the pandemic is controlled in the United States, which at this rate doesn't look likely until summer or fall next year. Third wave...
Oct 11, 20, 3:00 pm
Replies: 43
Views: 4,117
Posted By synzero

As a Platinum cardholder I don't understand how...

As a Platinum cardholder I don't understand how anyone could object to Centurions getting priority, sign or no sign. I find it bizarre that any lounge staff could try to shame a Centurion cardholder...
Oct 5, 20, 12:48 am
Replies: 144
Views: 72,932
Posted By synzero

You're missing the point. The easier they make...

You're missing the point. The easier they make the credits and perks to use, the less valuable the credits and perks can be. It's simple economics.

The easiest cards to use are straight cash back...
Sep 30, 20, 11:04 pm
Replies: 144
Views: 72,932
Posted By synzero

To be honest I am one of the few who LIKES the...

To be honest I am one of the few who LIKES the fact that the credits and benefits are hard to use. If they weren't hard to use/obscure, they'd have to cut them in value because it would cost too...
Sep 30, 20, 7:18 am
Replies: 364
Views: 66,924
Posted By synzero

We were definitely disappointed with the room...

We were definitely disappointed with the room service dinner -- I wrote to them about it afterwards. Our rooms, however, as I wrote before, were very nice. But given their attitude about both our...
Sep 25, 20, 8:44 am
Replies: 412
Views: 55,355
Posted By synzero

I was denied for a World of Hyatt card a little...

I was denied for a World of Hyatt card a little while ago, similar reasons. Moving credit lines around did not fly. I was 4/24 at the time, over 800 FICO, etc. They also cited the many business cards...
Sep 25, 20, 7:41 am
Replies: 177
Views: 61,073
Posted By synzero

Sure, feel free to contact me in PM.

Sure, feel free to contact me in PM.
Sep 21, 20, 6:16 pm
Replies: 177
Views: 61,073
Posted By synzero

We are staying as long as coronavirus is raging...

We are staying as long as coronavirus is raging in the US, which may be well into 2021. We have a son in preschool here and we wouldn't want to send him to any school in the US in person. Not to...
Sep 21, 20, 7:11 am
Replies: 291
Views: 26,614
Posted By synzero

That's fascinating. I can't find any reference to...

That's fascinating. I can't find any reference to this on the US Amex site -- there are still references to it on other sites.

Amex Travel is definitely one of the worst things about American...
Sep 18, 20, 10:47 pm
Replies: 177
Views: 61,073
Posted By synzero

This makes a lot of sense. If you're actually...

This makes a lot of sense. If you're actually spending everything on the Platinum with 1x then no wonder they think you're a candidate for the Centurion. My wife and I are a "one tech salary" family...
Sep 18, 20, 9:56 pm
Replies: 116
Views: 9,869
Posted By synzero

Perhaps, though all three of my last mortgages...

Perhaps, though all three of my last mortgages were eventually purchased by Chase. Though they only originated the first one. Still, it's a pain to lose that one bank.

Much more consequential is...
Sep 18, 20, 9:28 pm
Replies: 116
Views: 9,869
Posted By synzero

He doesn't have all the information. Another...

He doesn't have all the information. Another extremely important reason to clear this up: if Chase reports this as a 60 or 90 day default this will plague him for seven years. HSBC did something like...
Sep 18, 20, 7:58 pm
Replies: 116
Views: 9,869
Posted By synzero

Chase is one of the biggest mortgage banks in the...

Chase is one of the biggest mortgage banks in the business. This could definitely impact him. It's more consequential than if AmEx did this.

Your speculation that he could be approved even now is...
Sep 18, 20, 7:10 am
Replies: 116
Views: 9,869
Posted By synzero

You might want to get a mortgage from Chase in...

You might want to get a mortgage from Chase in the future, or any number of other situations might arise. if you can find some way to get through to the executive office now I would do it.
Sep 14, 20, 6:45 am
Replies: 291
Views: 26,614
Posted By synzero

I was scrolling through this topic and noticed...

I was scrolling through this topic and noticed knownothing mentioning something he called "Platinum Travel Service". I have always avoided Amex Travel because of horror stories of problems people...
Sep 12, 20, 11:49 pm
Replies: 116
Views: 9,869
Posted By synzero

Absolutely. Hyatt redemptions can really be...

Absolutely. Hyatt redemptions can really be spectacular.
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