Credit Cards

Jerry's Mega Thread of Credit Cards Q&A

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Deal Fanatic
Jun 29, 2007
6041 posts
2748 upvotes
Vancouver
Rawrchu wrote: Still wondering about this, guys !
I always do and have had no problem getting referral pts. May even help with your app for instant approval?
Sr. Member
Jan 3, 2013
919 posts
475 upvotes
Mississauga
RolandCouch wrote: Any recent data points from people who got the AMEX Biz Plat for how long it took to get your MR points after hitting 5K spend?

Hoping they will show up soon and I don't have to wait 8-10 weeks!
It took over 13 weeks to get the points and I only got 30000 instead of 40000 through self referral.

Edit: I got 60000 for Personal Plat today, same day the transaction posted that crossed $3000 spend.
Last edited by looking4deals1 on Jul 11th, 2017 2:00 pm, edited 1 time in total.
Deal Guru
Jan 30, 2012
10043 posts
3758 upvotes
multi city dweller
looking4deals1 wrote: It took over 13 weeks to get the points and I only got 30000 instead of 40000 through self referral.
there seems to be significant number of occurrences where folks who did selfie got only the non-referral welcome bonus ...

it'd be a good suggestion to avoid selfie where/when-ever possible ...

in a situation like this ... missing the extra 10k pts ... you are basically stuck ... bcuz of the KCDCA mantra ... :twisted:
Deal Addict
User avatar
Sep 19, 2013
2779 posts
1134 upvotes
Winnipeg
got a call from AMEX (London, ON #) asking about the gold business card.
- Have you registered online?
- Have you chosen 3 suppliers?
- Who will have expenses with in future?
- What is the name of your business?
- Is this new business you are starting out?
etc. etc. I told her I was satisfied with the card.

Anyone else receive this?
In the beginning the Universe was created. This has made a lot of people very angry and been widely regarded as a bad move. -- Douglas Adams
Deal Expert
Jun 26, 2011
15096 posts
5413 upvotes
GTA
amitdi wrote: got a call from AMEX (London, ON #) asking about the gold business card.
- Have you registered online?
- Have you chosen 3 suppliers?
- Who will have expenses with in future?
- What is the name of your business?
- Is this new business you are starting out?
etc. etc. I told her I was satisfied with the card.

Anyone else receive this?
Thanks. I'll remember to ignore any calls :)
Deal Fanatic
User avatar
Aug 10, 2008
7000 posts
7627 upvotes
amitdi wrote: got a call from AMEX (London, ON #) asking about the gold business card.
- Have you registered online?
- Have you chosen 3 suppliers?
- Who will have expenses with in future?
- What is the name of your business?
- Is this new business you are starting out?
etc. etc. I told her I was satisfied with the card.

Anyone else receive this?
If you've opened an Amex Business card, you can expect a call from 519-667-4844 (London). I've had them on my Telemarketing/Spammer list for years. It's "Bill Gosling" or "Amex-AIX", calling on behalf of Amex to gauge whether or not you may be suitable for some small business product offerings. Just be nice and tell them the truth...then add them to your ignore list for the future.
*** My private mail inbox is full. Cannot receive new messages. ***
Countdown - 8, 7, 6, 5, 4, 3, 2, 1, 0. Done@6603. 2022-07-26 3:17pm ET.
Deal Addict
Dec 28, 2010
1323 posts
155 upvotes
Ajax
Speedy1 wrote: I don't think self referring to exact same card is a good idea. Amex likely will auto decline you. Don't remember the 2 cards I applied for recently but they even auto decline me if the 2 cards are similar although not exact as amex thought it was a duplicate app. I think it was biz gold and then a week later biz plat.
Cheers Speed. What's a better/best way to rinse and repeat SpG Card?
Deal Fanatic
Jun 29, 2007
6041 posts
2748 upvotes
Vancouver
Biz spg is extra $30 in fee but it's still worth it IMO. Then you can refer back and forth between personal spg and biz spg.

I generally wait 6-9 months after cancellation before applying for same card again but it's a huge YMMV.

I know others have posted that they wait much shorter to reapply again and still got the pts.

2 of us got both personal spg and biz spg. Thinking whether other 2 members should get biz spg as well.

Have to double check how many spg pts we already have now.
Sr. Member
Jul 30, 2008
939 posts
54 upvotes
Is Plastiq.ca still the cheapest way of getting to the minimum spend? I don't have many bills, don't have a house/car, rent has to be done via pre-authorized payment. Paying $50 (2.5% fee) to get to the $2000 spend limit on BW is kind of steep.
Deal Expert
User avatar
Sep 19, 2004
26761 posts
9330 upvotes
where I belong
tribe1689 wrote: Is Plastiq.ca still the cheapest way of getting to the minimum spend? I don't have many bills, don't have a house/car, rent has to be done via pre-authorized payment. Paying $50 (2.5% fee) to get to the $2000 spend limit on BW is kind of steep.
Paytm is 0% fee for now, use that if possible
There's a RFD thread
paytm-pay-property-tax-credit-card-2087891/
Which Credit Cards to sign up? >> Jerry's Mega Thread of Credit Cards Q&A
Deal Guru
Jan 30, 2012
10043 posts
3758 upvotes
multi city dweller
tribe1689 wrote: Is Plastiq.ca still the cheapest way of getting to the minimum spend? I don't have many bills, don't have a house/car, rent has to be done via pre-authorized payment. Paying $50 (2.5% fee) to get to the $2000 spend limit on BW is kind of steep.
if u cannot meet to 2k spend, why not just lower expectation and go for the 40k pts with with $0 spend requirement?
Deal Addict
Dec 28, 2010
1323 posts
155 upvotes
Ajax
Speedy1 wrote: Biz spg is extra $30 in fee but it's still worth it IMO. Then you can refer back and forth between personal spg and biz spg.

I generally wait 6-9 months after cancellation before applying for same card again but it's a huge YMMV.

I know others have posted that they wait much shorter to reapply again and still got the pts.

2 of us got both personal spg and biz spg. Thinking whether other 2 members should get biz spg as well.

Have to double check how many spg pts we already have now.
Would you still recommend avoiding self referral between personal and biz SpG even if you wait 6-9 months after canceling?
Deal Fanatic
Jun 29, 2007
6041 posts
2748 upvotes
Vancouver
Bellotts wrote: Would you still recommend avoiding self referral between personal and biz SpG even if you wait 6-9 months after canceling?
We have had no problem with self referral on any of the amex cards. YMMV.
Sr. Member
Jul 30, 2008
939 posts
54 upvotes
ValueHunter999 wrote: if u cannot meet to 2k spend, why not just lower expectation and go for the 40k pts with with $0 spend requirement?
There's a 40K option? I thought it was just $0 you get 20k, $1000 you get 40k, and $2000 you get $60k?
Deal Guru
Jan 30, 2012
10043 posts
3758 upvotes
multi city dweller
tribe1689 wrote: There's a 40K option? I thought it was just $0 you get 20k, $1000 you get 40k, and $2000 you get $60k?
yes, its in OP ...
Member
Oct 26, 2016
278 posts
162 upvotes
tribe1689 wrote: There's a 40K option? I thought it was just $0 you get 20k, $1000 you get 40k, and $2000 you get $60k?
They have 3 options, I think the OP has links for each of them:
1) Make a purchase any amount, get 20K (the commonly advertised one)
2) Make a purchase any amount, get 40K
3) Get 20K basic, $1000 for 40K, $2000 for 60K (spending is over 90 days)

Obviously #3 is the best bang for your buck if you can make the minimum spending and don't need the points asap. #2 is the next best, and they say points take as long as 8-10 weeks, which is still better than 90 days.
Deal Expert
Jun 26, 2011
15096 posts
5413 upvotes
GTA
ValueHunter999 wrote: if u cannot meet to 2k spend, why not just lower expectation and go for the 40k pts with with $0 spend requirement?
Which card are you referring to?
Deal Fanatic
Jun 29, 2007
6041 posts
2748 upvotes
Vancouver
RolandCouch wrote: Which card are you referring to?
"2) Make a purchase any amount, get 40K" in post 9123 re MBNA BW mastercard.
Newbie
Jan 18, 2011
31 posts
9 upvotes
Ottawa
Referred my wife from my Biz Plat to Pers. Gold, and she was immediately approved. No referral points 4 days later...I *thought* referral points typically posted upon approval, but is it maybe on 1st purchase?
Deal Addict
User avatar
Apr 16, 2009
1389 posts
624 upvotes
Halifax
Data point: Self refered from Biz Plat to Biz Gold and just passed 5k threshold, 40k points deposited right away.

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