54. Watch Us Apply!

[@LC-W.I.N.]

Great episode! It's good to see that I am not the only person that gets nervous when applying. That spinning circle gets me every time lol.

[@LetsGetToThePoints]

Congrats on being one of our winners! That spinning circle gets us every time too!

[@alisonlopez7729]

I applied for the Chase Sapphire Preferred card and got approved. I went to a Chase bank to apply for the 85K.

[@LetsGetToThePoints]

Congrats on your approval! Let us know how you plane to redeem those points.

[@rsims44106]

I never thought about joining FB groups for places I want to go. That will definitely help me with ideas. Thanks Serena!

[@LetsGetToThePoints]

Great news!!! We’re glad we can be helpful. Just watch out the FB feed explosion. 😂

[@jeffreywilliams9220]

Just subscribe to the channel really appreciate the content good to see this style of content on credit cards , vacation points and miles , etc big shouts from Chicago Illinois 🤝💳🔥🔥🔥🔥🔥🛫🛬✈️🌏🌍

[@LetsGetToThePoints]

Hello Jeffrey and we’re glad to have you on board! We hope you can join us at our meetup!

[@CarlosHdz-rm6sg]

Fantastic episode yet again. I love watching these while traveling. Currently flying to LA from Tokyo! Don’t worry Serena, yours truly will apply for the CSP this upcoming week and report back here.

[@LetsGetToThePoints]

We look forward to hearing how your application goes, Carlos! Citi can be tough. We’re crossing our fingers for you. Enjoy your time in LA!

[@CarlosHdz-rm6sg]

@@LetsGetToThePoints Followed up on the application today and was approved with an 11k credit limit. I mainly got the card for the Gas multiplier. Furthermore, Costcos in Japan only take Mastercards and since I didn’t have a Mastercard in my portfolio, it just made sense since they are opening a Costco in Okinawa in the next few months.

[@LetsGetToThePoints]

Congrats on your approval!!!🎉. That will be fun having a Costco in Okinawa.

[@wanderrhea]

Oh me gee, I won 🙌🏼 Happy friYAY indeed. Can’t believe Serena didn’t get Citi Strata card… they are so damn hard to get approved… arghh 🙄 As always, great episode 🫶🏽

[@LetsGetToThePoints]

Congratulations, Rhea!!!! 🎉🎉🎉 Let us know what you end up booking with your new subscriptions!

[@monkeyfamilyadventures]

Wow, so nerve wrecking watching those apps live! I submitted a ton but my heart beats super fast each time I’m about to press submit. Very interesting episode and I love hearing the thought process of why a specific card! Serena - did you end up calling? Was the end result still denial?

[@LetsGetToThePoints]

High stress and sometimes no reward! 😅She still had a denial after recon. Citi is brutal! Thank you for watching, Monkey!

[@richardjones4256]

I got denied for this card also but I actually already have this card. I was upgraded to this card about 3 or 4 years ago and didn't receive a sign up bonus as I wasn't into points and miles at the time. My rejection letter basically started that I have to much available credit . I think I should have canceled my current citi strata card first then re applied.

[@LetsGetToThePoints]

Sorry to hear about your denial! Even if you did cancel the current Strata, who knows if you would have been approved again. It seems like a crap shoot, kind of like Capital One. Many other cards to go after from here.

[@BeBesStyle2010]

Great episode. I love how you've been changing things up lately.

[@LetsGetToThePoints]

So glad you are enjoying it!!!

[@alexledonio8245]

Great episode! I do sweat and then pray each time I apply!🙏🏼😄

[@LetsGetToThePoints]

Love that! Prayer is something Serena should have tried.

[@Budget.Boujee]

Win: Upon arriving at the Hyatt Ziva suite, we filled the jacuzzi to unwind from our flight. Lo and behold, it turned into a water park and flooded our room. My toddlers were slipping and falling left and right. After notifying the butler, we were moved to another suite, but the fiasco soaked up two hours and dampened our vacation start. Post-checkout, I went full Serena mode, talking to the manager and emailing the GM. In the end, I scored one night’s worth of points refunded. So, thanks for that!

[@LetsGetToThePoints]

FANTASTIC JOB!!! Kudos to you for advocating for yourself! Which Ziva was this? We’re wondering if your toddlers thought the slip n slide in the room was more fun than the waterpark! It must have felt so nice to get a night’s worth of points back! 🎉🎉🎉

[@Budget.Boujee]

It was at the Hyatt Ziva Cancun. They were worried about toddlers slipping, so they quickly sorted it out and refunded my points. They even called back weeks later to check if the kids were okay. Worked out perfectly-I used those points for my next adventure!

[@LetsGetToThePoints]

That is so nice of them! 🙌

[@RustinCoziahr]

Cut to me wearing my seats.aero shirt listening to this thinking I was going to be so cool showing up in Chicago wearing it. Ya beat me to it Phyllis! LOL

[@LetsGetToThePoints]

Hahaha!!!! We still expect you to wear that shirt in Chicago!

[@TheRestofOurLives]

Enjoyed this episode! Applied this past week for the Citi Aadvantage Business card. Got a pending review. Am at 7/24 & have a few hard pulls on my report. Will see what happens 🤞

[@LetsGetToThePoints]

Oooh! This is a great card! We want this one too, especially since the fee is waived for the first year. Good luck with your application! Keep us posted on your review. We want to know what happens!

[@epeben1]

Ohh, interesting episode, wonder what you're applying for, about to listen to the episode during my morning drive to work. I recently applied for, Citi Strata Premiere for my P2, Amex BPP for P3 and Cardless Lifemiles Elie for me.

[@LetsGetToThePoints]

We hope we made your commute entertaining! Were you surprised with our results? Great job on those card applications!!! 🎉

[@epeben1]

@@LetsGetToThePointsnot surprised at all with results, it happens to everyone the longer you're in the hobby. Gotta take denials in stride, it's part of the game. And sometimes, calling reconsideration works. Totally agree on that spinning wheel, anxiety-filled moments.

[@LetsGetToThePoints]

Agreed! Have a great weekend, Gene!

[@KennyHyde]

Another entertaining episode! Normally I get super nervous when applying for cards, but found myself getting nervous as well for your applications 😄 Recently applied for Citi Strata Premier (already had the OG Premier), but was denied and denied reconsideration :( Will be focusing on spending with my current cards and waiting a bit before the next app.

[@LetsGetToThePoints]

That’s a great strategy, Kenny! Sorry for your denial. As you can see, we’ve shown it happens to us too! Thank you for being nervous with us! 😊 We appreciate the empathy.

[@lanamarx5277]

Guys, question to all of you. How much do you care about inquiries? Do you keep them under certain amount or do you not even pay attention to that, because obviously we’re applying for a card every couple months or so. Thank you for your answer.

[@LetsGetToThePoints]

Hi! The banks have varying levels of sensitivity to the number of inquiries. Without knowing the exact algo they use to determine approvals or denials, we don’t let it be a major factor for driving our decisions. If we are planning to take out a new loan, refi, etc then that is different and we recommend holding off on card applications for at least 6 months to a year in advance.

[@SmilingTruly888]

I am thinking- to cancel my Citi Strata Premier and apply at a later time - what do you think? Citi upgraded me from Premier to Strata automagically. I got this card in 2014

[@LetsGetToThePoints]

If you don’t get the benefit out of it anymore and don’t want to pay the fee, might be worth cancelling. But if you want to apply again, might make sense to wait to close until after you apply for the new one. They could see you closing this card as a negative.

[@TripleATeamAdventures]

this was a nerve racking show especially with the music haha

[@LetsGetToThePoints]

We love keeping you in suspense. 😂 Thank you for watching!

[@leslie535]

Nicole how did you get those miles with (Chat?) GPT????

[@LetsGetToThePoints]

Correct! ChatGPT can help with a well written request if you’re having trouble coming up with the words. 😊

[@SmilingTruly888]

Does anyone know why a Business Credit Card application using EIN and SSN Still show up on the Personal Credit Report as a Hard Inquiry? I didn’t want these inquiries that’s why I applied for Business Credit Card. Can these be removed?

[@LetsGetToThePoints]

Since business owners are responsible for financials of the company, they tend to hard pull on personal reports. Most bank business cards will not report an approval and open account to personal reports. This is why most people prefer opening business cards. Although it may be a hard pull, it will likely not show as a new account. There are a few exceptions. You can try to contact the credit bureaus for removal but that effort may not be worth it. But if it’s meaningful to you then it’s worth a call.