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Пікірлер
@i0r-r-tjtkttl 2 күн бұрын
Citi sent a me averification letter! What does that mean? At least not denied.
@MontyTheCardNerd Күн бұрын
Hmm I'm not sure, I would just provide the verification accordingly & hopefully there won't be further issues. Good luck!
@ExtraGuac007 6 сағат бұрын
It means welcome to Chase.
@i0r-r-tjtkttl 6 сағат бұрын
@@ExtraGuac007 This was from Citi. They said after I received the verification letter, I should call them. I never had this happen with any other credit card company.
@flubberghosted2472 2 күн бұрын
Yo! I was just considering this exact combo! 🤯🤯🤯
@MontyTheCardNerd Күн бұрын
Nice! Hope you have no issues securing the duo.
@fogrunr5075 2 күн бұрын
Oh! Great International Duo! 🎉🎉🎉🎉🎉
@MontyTheCardNerd Күн бұрын
Yeap I'm certainly a fan!
@TheZombaslaya 2 күн бұрын
I'm in Dubai right now, and i've noticed it's hit or miss with places coding correctly. I've eaten at several restaurants and maybe 1 out of 3 don't code as dining so I only get 1x with my Savor One. I also have the Altitude Go which has a 4x non warehouse club gas category that I got for the free precheck credit. I've filled up my rental car twice so far and both times it's coded as "other business" and I got only 1x on it. I'm tempted to just use my Venture X on everything from this point on until I go home.
@MontyTheCardNerd Күн бұрын
Right i also recall situations in Italy where restaurants didn't code as dining. Just getting 2x on all spend might be the way to go, making the Venture X all the more important overseas. Thanks for watching & sharing your experiences!
@LalitDevraj 2 күн бұрын
I could feel your excitement in this video - supremely have to agree with what you shared here with the refresh predictions 😊😊
@MontyTheCardNerd 2 күн бұрын
Haha credit card speculation always gets me excited. Thanks for watching Lalit!
@__withMark 5 күн бұрын
I think the refreshes happening across all the credit card issuers is super exciting. Great to see the constantly evolving landscapre in the points world!
@MontyTheCardNerd 4 күн бұрын
Completely agree Mark, keeps the content ideas coming too. Just hope Amex doesn't go too overboard with increasing annual fees & adding all manners of statement credits. Thanks for watching!
@nubianpwr 5 күн бұрын
The Everyday Preferred should have 3x Groceries/Restaurants if Amex wants to remain competitive. Thanks!
@MontyTheCardNerd 4 күн бұрын
That would make for a solid set of food multipliers, though at the same time, unless the card comes with some statement credits, the Capital One Savor One will look better for most folks at no annual fee. Thanks for watching!
@shawn.credit 2 күн бұрын
Everyday Preferred has been discontinued, current card members will keep the card curious what Amex plans to do with it for current card holders.
@riosafado 5 күн бұрын
Will Alaska yank Hawaii airline transfer in amex transfer ?
@MontyTheCardNerd 4 күн бұрын
I expect that will happen in the future, unless Alaska's willing to devalue their miles at a greater pace.
@i0r-r-tjtkttl 5 күн бұрын
If you had Venture x and SavorOne, which I have, would you have this set up with Citi? I want to apply for Citi Strata, for the bonus at least.
@MontyTheCardNerd 4 күн бұрын
I think it'd depend on whether i'm shorter on Capital One miles or Citi Thankyou points at the time. I guess CO not approving me for the Savor One isn't the worst as it simplifies the decision. Yeap, that 75k bonus is great, hope you can get approved!
@i0r-r-tjtkttl 4 күн бұрын
@@MontyTheCardNerd I applied and they said they need more time to process it! Last time I applied two months ago, flat denial! Because I had applied for 2 cards in less than 6 months. So waited and applied yesterday. So what does this mean? Good no immediate denial right?
@MontyTheCardNerd 3 күн бұрын
@@i0r-r-tjtkttl Hard to say for sure what it means but yes it's much better than an immediate denial. Hope to hear good news!
@FatStacksAcademy 5 күн бұрын
😂 you had me rolling with the centurion access
@MontyTheCardNerd 4 күн бұрын
Haha my best attempt at a wild amex benefit. Thanks for watching Nathaniel!
@jeffreybacot 7 күн бұрын
Why not pull out the Amex and try and use it every time? Even let them know you might have spent more if they accepted the card. These other countries will not change until you give them a reason. I know AMEX is working on banking relationships in Thailand and other asian countries. You may not want to be so quick to put it away on your future trip. They launched the Platinum Card in Thailand in 2020 and Singapore in 2022. Don't get me wrong. I am still bringing my CSP and CVX if I leave the US and have one handy evne here in the US for that 5% of the time you have a stubborn vendor or COSTCO.
@MontyTheCardNerd 4 күн бұрын
Yeap so in countries like singapore where they generally accept amex & places clearly display which networks they accept, i'll always give amex a go. Just not as keen on that at countries where amex acceptance is much rarer. That's a great point though that you can promise to spend more if they take amex, I never thought of that! Though yes, always need to have a visa and/or mastercard backup. Thanks for watching & for sharing your experience!
@closer71 9 күн бұрын
They were saying you had too recent an inquiry for an auto loan or other type of credit AND too recent an inquiry for a new credit card but often the system will generate both of those responses for one inquiry, if that one inquiry is a card application inquiry.
@MontyTheCardNerd 9 күн бұрын
Yeap that makes a lot of sense, thanks for watching & clarifying!
@LooseJointhiphopdance 11 күн бұрын
That’s great! I want to get the venture x because it has a lot of value. What I don’t like is the hard inquiry is 3 times because they hit all 3 credit bureaus. The same with the business venture x reports to your personal.
@MontyTheCardNerd 10 күн бұрын
Yes that's really annoying with the Venture X and VX Business. It could make sense to time your VX application for right after some of your existing hard inquiries fall off your credit report. That'll also increase your approval chances.
@dae1973 11 күн бұрын
He really upload this ish😂
@MontyTheCardNerd 11 күн бұрын
😂
@yer992 11 күн бұрын
Cap one duo easy VX and S1, thanks for the content!
@MontyTheCardNerd 11 күн бұрын
Great duo, sadly I can't get approved for the S1. Thanks for watching!
@spencerburkholder8427 12 күн бұрын
Seems the Venture X with the Wyndham Earner Plus would be a good combo as an alternative. You'd earn 4x on grocery/restaurants, 6x on gas, and put all the remaining spend on the 2x of the Venture X. Hotel spend for a trip if you can find a Wyndham at 6x, or 10x on cars/hotels with the Venture X and 5x on airfare. Just my two cents.
@MontyTheCardNerd 11 күн бұрын
Agree that that's a great alternative combo. While you'll only earn 1 type of transferrable points, the overall multipliers on this duo are stronger as you outlined. Plus if you'll be staying at Wyndham properties, earning Wyndham points may be preferred over Citi Thankyou points. Thanks for sharing!
@m-jp4eh 12 күн бұрын
FX txn fees are archaic
@MontyTheCardNerd 11 күн бұрын
Haha yeap no one should be paying those nowadays.
@chrisv4920 12 күн бұрын
Nice 👍 duo. I would use a Savorone and the SoFi MC
@MontyTheCardNerd 11 күн бұрын
That's a great duo, similarly strong multipliers and no AF too!
@JoshGiebel 12 күн бұрын
Great video! Good, practical tips for international travel, and a duo I didn't think about - I pair my Venture X and Altitude Reserve abroad, but the Strata Premier definitely has some nice multipliers in categories I'd find myself spending in.
@MontyTheCardNerd 11 күн бұрын
I like your duo as well. I imagine a decent number of places worldwide accept mobile wallets nowadays, so you'll get an awesome multiplier there. Thanks for watching Josh!
@__withMark 13 күн бұрын
I appreciate the unique card combo! Great video Monty
@MontyTheCardNerd 11 күн бұрын
Yeap it's a solid combo. Thanks for watching Mark!
@De_Guatemala 13 күн бұрын
We have used Citi Strata Premier in 17 countries this year. CDW is primary exUS. P2 got the VX this summer and we used it in Winnipeg and Calgary last month. One Visa, one Mastercard.
@MontyTheCardNerd 11 күн бұрын
Nice, glad that you're also getting good value from this powerful duo. Thanks for watching!
@robertjarrell7276 13 күн бұрын
I’ve heard that Citi has a bad habit of declining while traveling internationally, even when you give a travel notice, and having to go through their mediocre customer service to get it cleared. Wouldn’t you be better off with the standard Capital One duo?
@MontyTheCardNerd 11 күн бұрын
Oh that's good to know, my wife's Citi AA card was once declined in Paris but we assumed it was due to the purchase being relatively large. I'm a big fan of the capital one duo too, just not using it mostly because I can't get approved for the Savor One. Also I like earning multiple types of transferrable points.
@jeff.0-3 18 күн бұрын
Great video! I have a tough decision to make. I have this card on my radar, but I'm currently at 5/24 until Feb 2025. I want to get a Chase Marriott Boundless when I'm clear, but I don't want to miss out on this card due to it's easy to achieve bonus since I value AA miles a lot. Hopefully this card is available for a little while.
@MontyTheCardNerd 18 күн бұрын
Thanks for watching! I would probably wait to get the Boundless first (especially if there's the 5 free night bonus), as I don't expect the Aviator Red to go away before February 2025. Even if news gets out today that Citi will be AA's exclusive credit card partner, I imagine that it'll still take some months to finalize the deal. Hopefully AA also gives us prior notice for when the Aviator Red will stop taking new applications, so that we can plan accordingly.
@ccncomics 18 күн бұрын
What is the best card for point? Not American Airlines since I don’t fly that. This channel is cool for those of us that fly or spend a lot a year on cards
@MontyTheCardNerd 18 күн бұрын
I like credit cards that earn transferrable points, especially those that have relatively lower annual fees, since you can get great value without the upfront cost being too high. Such cards include the Chase Sapphire Preferred and Citi Strata Premier. Another one is the Amex Gold ... while the annual fee is higher at $325, it's very valuable if you can organically use the credits. Thanks for watching!
@josephmooney122 18 күн бұрын
My dad was one of the head guys working on the AA barclays credit card. It’s cool to see everywhere, I’m proud of him. Good video!
@MontyTheCardNerd 18 күн бұрын
That's very cool, your dad & team did a nice job with its design. Useful benefits for people who fly AA and an intriguing sign up bonus. Thanks for watching!
@rambosidi7634 18 күн бұрын
Good job
@MontyTheCardNerd 18 күн бұрын
Thanks!
@__withMark 18 күн бұрын
With Citi wanting to go exclusive with AA, I’m sure the Barclays AAviator Red doesnt have long before its axed. Agreed its a must grab before its gone!
@MontyTheCardNerd 18 күн бұрын
Absolutely, now's a good time also because the bonus is relatively higher at 70k miles. Thanks for watching Mark!
@samuelespina5711 19 күн бұрын
Great video!
@MontyTheCardNerd 19 күн бұрын
Thanks for watching Samuel!
@m-jp4eh 19 күн бұрын
kiki went at that fake fruit for real
@MontyTheCardNerd 19 күн бұрын
Haha tbh that's 1 of her lesser destroyed toys
@mikeabbott8521 19 күн бұрын
Applied today wirh a link for the 70k bonus and approved with BIG credit limit. Easy SUB aside, the 15 month 0% interest and 0% balance transfer for the same period will help me manage some bonus-related spend I'm going to be initiating on two other new cards. I got burned a few years ago with losing AA miles due to inactivity, no worries with that as a cardholders.
@MontyTheCardNerd 19 күн бұрын
Congrats on the approval! I like strategizing around 0% cards especially since rates are (still) reasonably high. & yeah good to not have to worry about losing miles to inactivity.
@juanmeowmix1530 21 күн бұрын
I enjoyed the card when I had for the quick points.
@MontyTheCardNerd 20 күн бұрын
Nice, same here!
@m-jp4eh 28 күн бұрын
almost under chase 5/24 and gonna hit that no annual fee bonvoy card
@MontyTheCardNerd 28 күн бұрын
Nice plan, it's such a sweet bonus for $0 fee
@Formcheck9294 Ай бұрын
I wonder if there is any data that shows the rate of specific credit card point devaluation over time versus that of US inflation. Feel like it would be relatively hard/impossible to quantify given the versatility of some credit card points like AMEX/Chase/Capital One etc and the fact that redemptions can be so specific, but it would be interesting to see the comparison between for example redeeming 80,000 chase UR points to book a 4 night Park Hyatt stay 3 years ago worth $2000 in 2019 vs redeeming 120,000 Chase UR points to book a 4 night PH stay today worth $3000 (completely arbitrary numbers). Would give a better sense of whether some credit card points are truly being devalued relatively speaking. Great video!
@MontyTheCardNerd 28 күн бұрын
Interesting thoughts, that could be very insightful though for the reasons you highlighted, probably a tricky exercise. Ultimately for points & miles, i think earn & burn is almost always the way to go if possible, whereas doing that for cash probably won't land you in a good spot long term. Thanks for watching!
@__withMark Ай бұрын
I wish Southwest had a larger presence on the East Coast, the companion certificate would be super useful for my and my gf. Nice video Monty!
@MontyTheCardNerd Ай бұрын
My sentiments exactly, I'd try to get on the companion certificate every other year. Thanks for watching Mark!
@m-jp4eh Ай бұрын
spend spend spend
@MontyTheCardNerd Ай бұрын
Followed by earn earn earn, burn burn burn
@savitaaggarwal9058 Ай бұрын
😮
@MontyTheCardNerd Ай бұрын
😣
@Kyng_K_T Ай бұрын
Just started getting my financing journey to finally be smart with my money I got a credit one credit card when I was younger because I got it in the mail and I didn’t do my research and I regret that this is my first credit because I can’t close it a year in but I’m gonna try and beat their system until my credit is at a good standing wish me luck 😭 at least I have a b tier card with the X5
@Kyng_K_T Ай бұрын
Just started getting my financing journey to finally be smart with my money I got a credit one credit card when I was younger because I got it in the mail and I didn’t do my research and I regret that this is my first credit because I can’t close it a year in but I’m gonna try and beat there system until my credit is at a good standing wish me luck
@FatStacksAcademy Ай бұрын
Love the tips as always Monty! Definitely agree that redeeming as soon as possible is best
@MontyTheCardNerd Ай бұрын
Earn & burn is the name of the game. Glad you found them helpful Nathaniel, thanks for watching!
@NurseMichaelTravels Ай бұрын
Great video! Love the background poster btw. I feel AA cards are probably heavily underutilized in this space
@MontyTheCardNerd Ай бұрын
Haha Sirius is the man! & agreed, AA miles have arguably been the most valuable for me as of late. Thanks for watching Michael!
@__withMark Ай бұрын
Its a great point that there’s a huge correlation between number of points in the ecosystem versus value of the redemptions. You’re right that AA remains elite since its so difficult to earn those. Great video!
@MontyTheCardNerd Ай бұрын
Yeap as much as individuals airlines may be devaluing too much for profitability reasons, devaluations happen also just because of economic forces. Thanks for watching Mark!
@CnSand10 Ай бұрын
I never understood the reason to hoard points currencies. But my strategy has been to grab welcome offers and then use the welcome offer specific redemptions.
@MontyTheCardNerd Ай бұрын
Yeap i'm in the earn & burn camp too & am also primarily focusing on sign up bonuses. Seems like we're doing good in lessening the impact of devaluations.
@LK_EBM Ай бұрын
Cash is underrated! You can book any flights you want, and don't have to be limited to certain saver award routes
@MontyTheCardNerd Ай бұрын
Great points, hunting for saver awards can often prove futile especially on premium routes.
@De_Guatemala Ай бұрын
Alaska redemptions are better on my main American routes compared to a year ago, better than Avios or American miles.
@NurseMichaelTravels Ай бұрын
It's been awesome and refreshing seeing Alaska miles becoming more competitive, especially now that Bilt can be a transfer to them
@MontyTheCardNerd Ай бұрын
I personally don't have the BILT or any of the Alaska cards so I envy the great value that you guys are getting from them.
@dnpaker84 Ай бұрын
I got both of the platinum cards (F tier) My first one was for &300 increased to $500 after a year.. The $39 annual card gave me a $1000.. I paid off the first card with it and closed it 😂😂
@MontyTheCardNerd Ай бұрын
I can see value in consolidating your balance into 1 card. Even though it's not my favorite card (as is probably clear from my ranking), it'll still give you positive value as long as you pay off the balance on time & in full every month.
@praspurgh Ай бұрын
Whoever uses Wells Fargo, has terrible understanding of their finances. Do more research on this bank before going in.
@MontyTheCardNerd Ай бұрын
I tried to focus the discussion in this video on the credit cards themselves rather than my thoughts on the issuer. That said, I totally understand your sentiment towards Wells Fargo, they don't have the best reputation to say the least.
@baburajendran Ай бұрын
I applied for the Venture X last year in Aug 2023 and was declined. I applied for the Venture card this month and got declined again. The reason I was given was that there are too many active credit cards based on my loan history. I do have 12 personal cards. My current credit score is 816 and I have 4 hard enquiries. Should I consider closing some of cards or wait until the enquiries fall off before I can apply again?
@MontyTheCardNerd Ай бұрын
Closing some of your cards can definitely improve your approval chances. That said, I would generally avoid closing your oldest cards and cards that you get good organic value from. Waiting for inquiries to fall off can certainly help too. Reducing your overall credit limit may also improve your approval chances. This can be done by simply calling the issuer and asking for the credit limit reduction. Good potential alternative to closing cards.
@MontyTheCardNerd Ай бұрын
CORRECTION: The Wander American Express card has NO foreign transaction fees.
@nicholaselia7943 Ай бұрын
There is no foreign transaction fee for the Wonder card
@nicholaselia7943 Ай бұрын
Seems like you're not doing your research before you post you need to do your research. The car has no foreign transaction fee and that actually is a pretty good card card.
@MontyTheCardNerd Ай бұрын
Thanks for watching & for pointing out my mistake. Yes that makes the card much better than I initially thought.
@nicholaselia7943 Ай бұрын
@@MontyTheCardNerd plus theres also 5x extra on restaurants they are partner with here in vegas they have over 200 and i have used it in Sedona had a huge list also thats statement credit ..... plus they where running 10,000 bounce to off set the first year fee
@MontyTheCardNerd Ай бұрын
@@nicholaselia7943 That's awesome that the card has some elevated multipliers and extra year 1 value, might have to upgrade it in the rankings. Glad that you're getting good value from the card!
@dangerzone9747 Ай бұрын
Been getting 4% at Amazon with Attune which makes my nipples hard.