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Search: Posts Made By: andyandy
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Sep 12, 18, 10:41 am
Replies: 432
Views: 110,433
Posted By andyandy

No window of time was specified (I still haven't...

No window of time was specified (I still haven't gotten any communication from [email protected]@y), but I was able to redeem for a statement credit after the shutdown. .5cpp, highway robbery.
Sep 10, 18, 9:29 pm
Replies: 432
Views: 110,433
Posted By andyandy

Wow, this stings. First involuntary shutdown in 8...

Wow, this stings. First involuntary shutdown in 8 years of MSing.
1. [email protected]
2. Length of account before closure and CL? 4-5 years, $27K
3. Average monthly account balance checking and savings?...
Aug 19, 18, 6:34 pm
Replies: 70
Views: 13,992
Posted By andyandy

Frankly, I think Marriott's best course would be...

Frankly, I think Marriott's best course would be to honor Plat for Amex Plats, at least until the next elite year (only six months away!). After all, before the merger we had Marriott Gold, which is...
Aug 11, 18, 6:20 pm
Replies: 2,513
Views: 903,078
Posted By andyandy

Pre-Retention Offer?

This is the second year in a row that I've gotten what I think of as a "pre-retention" offer. Within two weeks of my annual fee hitting, I got an offer of "spend $5K, get 25K MR, then spend another...
Mar 9, 18, 10:44 am
Replies: 975
Views: 253,658
Posted By andyandy

Citi TY Premier: Low spend on card. No offer,...

Citi TY Premier: Low spend on card. No offer, went ahead and closed.

Andyandy
Dec 6, 17, 7:46 pm
Replies: 11
Views: 3,459
Posted By andyandy

Dave, thanks for opening a vent thread. Why, oh...

Dave, thanks for opening a vent thread. Why, oh why, do the RATs treat us decent MS'ers like rats? I pays my bills, all I want is the miles! I totally get why the cardinals don't like gaming sign-up...
Jul 5, 17, 8:54 pm
Replies: 1,418
Views: 489,540
Posted By andyandy

Don't freak out dude. Your risk is virtually nil....

Don't freak out dude. Your risk is virtually nil. BUT! In future, don't ever switch lines. If someone says no, just leave and go somewhere else. When you switch lines you look like you're trying to...
Jul 5, 17, 8:50 pm
Replies: 1,418
Views: 489,540
Posted By andyandy

Ah, Andy2, my doppelganger and nemesis! If I...

Ah, Andy2, my doppelganger and nemesis! If I understand your counterfactual correctly, you are suggesting that SARs on money order deposits are justifiable because a smurfer/structurer could be...
Jun 29, 17, 10:27 pm
Replies: 1,418
Views: 489,540
Posted By andyandy

Intent to do something. Intent to structure,...

Intent to do something. Intent to structure, though? Nah, CTRs aren't triggered by MO deposits. And you can't structure to avoid SARs, per statute.

But yeah, I get your point, Alcibiades. Even if...
Jun 24, 17, 7:46 am
Replies: 784
Views: 145,967
Posted By andyandy

Blech, I forgot about this issue and made the...

Blech, I forgot about this issue and made the same mistake. Ended up using them to buy usable cards at CVS and ate the fee.

Andyandy
Jun 24, 17, 7:44 am
Replies: 784
Views: 145,967
Posted By andyandy

I find that this is absolutely the way to go if...

I find that this is absolutely the way to go if you can build a relationship with store personnel. Managment transistions can be tricky, though. I recently had a manager from one grocery that I...
Jun 6, 17, 6:27 pm
Replies: 657
Views: 190,747
Posted By andyandy

Purchased one of these without doing my research...

Purchased one of these without doing my research (Shame, shame, shame) and didn't realize they could no longer be added to Paypal. But I was shocked at how easy the refund process was. Fill in an...
May 7, 17, 9:29 am
Replies: 467
Views: 134,726
Posted By andyandy

Yep. Winn-Dixie on my end, but also ended. I did...

Yep. Winn-Dixie on my end, but also ended. I did very well off of it, though.

Andyandy
May 1, 17, 7:13 am
Replies: 7
Views: 2,187
Posted By andyandy

Nope. Got a touch of that pesky schadenfreude...

Nope. Got a touch of that pesky schadenfreude from it, but I expect that some aloe will clear it up.

Andyandy
Apr 29, 17, 9:40 am
Replies: 23
Views: 4,685
Posted By andyandy

Like toadstools after the rain, this "idea" is a...

Like toadstools after the rain, this "idea" is a perrenial favorite. Kind of like killing Hitler...
http://www.tor.com/2011/08/31/wikihistory/

In short, it won't work. It will never work.
...
Mar 31, 17, 3:55 pm
Replies: 2,513
Views: 903,078
Posted By andyandy

10K/$100 offer

Approx. $30k spend last year, never asked for retention on this card before. Offered 10K points or $100. Took the points.
Mar 19, 17, 9:04 am
Replies: 467
Views: 134,726
Posted By andyandy

All my volume goes to one branch of one bank and...

All my volume goes to one branch of one bank and has for years. My explanation: "I'm doing this to earn credit card points and miles." Has always worked for me. Why? Because it's true. And I do all...
Feb 11, 17, 9:34 pm
Replies: 13
Views: 1,698
Posted By andyandy

E-miles. E-rewards. Or flying. But...

E-miles. E-rewards. Or flying.

But considering that this is the Manufactured Spend forum, if you can't get a CC, you should look somewhere else.

Andyandy
Jan 7, 17, 10:08 pm
Replies: 1,418
Views: 489,540
Posted By andyandy

If it came to criminal prosecution, sure you...

If it came to criminal prosecution, sure you could. If a prosecutor was crazy enough to bring charges against a true MSer, he'd have to prove a criminal violation of some sort. Structuring? Prove the...
Jan 7, 17, 1:59 pm
Replies: 1,418
Views: 489,540
Posted By andyandy

You're right. If there is actual illegal activity...

You're right. If there is actual illegal activity at the source of the stream, and the bank failed to make any inquiry or failed to heed facially suspicious aspects of the stream, they're probably...
Jan 7, 17, 12:11 pm
Replies: 1,418
Views: 489,540
Posted By andyandy

You're right that SARs are the most subjective of...

You're right that SARs are the most subjective of the AML measures and don't neccessarily require currency to be involved. SARs can be triggered by non-currency transactions a bank has reason to know...
Jan 7, 17, 11:55 am
Replies: 1,418
Views: 489,540
Posted By andyandy

If any bank was penalized for not reporting...

If any bank was penalized for not reporting non-currency transactions, then they had poor legal representation. But, I'd guess that currency was involved. But you're right, WM, CVS, and other MSBs...
Jan 2, 17, 7:35 am
Replies: 1,418
Views: 489,540
Posted By andyandy

Andy, FinCen reporting/recording...

Andy,

FinCen reporting/recording requirements do apply to purchases of pre-paid access cards, but only when the purchases are made with currency. In your hypothetical the profits from your heroin...
Oct 13, 16, 8:09 am
Replies: 617
Views: 189,915
Posted By andyandy

As I recall, it was "Not Authorized"

As I recall, it was "Not Authorized"
Oct 11, 16, 8:25 am
Replies: 617
Views: 189,915
Posted By andyandy

I believe that the restriction is on the Bank...

I believe that the restriction is on the Bank side. If the merchant isn't coded properly, the card simply won't authorize.

Andyandy
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