mrblunt Posted November 20, 2009 Report Share Posted November 20, 2009 I have a chase rewards mastercard and a chase leisure rewards debit card. I'm looking to get the absolute max out of this little game and i'm looking for suggestions. The mastercard gives me points for paying my bills (nearly everything I have from cable, electric, gas, trash....city water....ect) so I'm pretty much covered on that portion. What I can't pay is my car payments, mortgage, student loans and day care expenses. At over 3500 a month for all of these its a lot of potential points being pissed away. I dont believe there are any locations that allow you to purchase money orders via a credit transaction (the debit card doesn't earn points for debit transactions) and the credit card treats money orders/travelers checks as a cash advance with some crazy transaction fee (5%) and sky high apr (19 + prime or something crazy). If I could find somewhere that sold money orders or travelers checks as a credit transaction I could use the debit card as credit and be able to move money between accounts to maximize rewards. Anyone else do this? Have any suggestions? Quote Link to comment Share on other sites More sharing options...
SRTurbo04 Posted November 20, 2009 Report Share Posted November 20, 2009 just a heads up alot of people arent aware that chases leisure rewards debit card has a 25$ a year annuel fee for there card. you account is billed ruftly 30 days after your card is activated. so if you jsut got it just a heads up to you Quote Link to comment Share on other sites More sharing options...
Fubar231 Posted November 20, 2009 Report Share Posted November 20, 2009 just a heads up alot of people arent aware that chases leisure rewards debit card has a 25$ a year annuel fee for there card. you account is billed ruftly 30 days after your card is activated. so if you jsut got it just a heads up to you x2 except mine waited like 3 months till i had no money in my account then charged me for my card and then charged me more for overdraft fees. I called and bitched that about that one and got my 60$ back though, but yeah, it does happen, and they wait till they can fuck you with it. On a side note the dude i called gave me my $ back like it was nothin, he was just like oh what sorry about those charges theyll be removed, there was like absolutely no fighting. Quote Link to comment Share on other sites More sharing options...
SRTurbo04 Posted November 20, 2009 Report Share Posted November 20, 2009 x2 except mine waited like 3 months till i had no money in my account then charged me for my card and then charged me more for overdraft fees. I called and bitched that about that one and got my 60$ back though, but yeah, it does happen, and they wait till they can fuck you with it. On a side note the dude i called gave me my $ back like it was nothin, he was just like oh what sorry about those charges theyll be removed, there was like absolutely no fighting. they dont wait for you to go over drawn its done by a computer system an its usually 30 days after your active your card. you really think some person sits there an cehcks your account daily an waits for you to get to a low balance then charge it to you? do you understand how dumb you sound. an they will credit back ... 1 time in a 12 month period. so prey your not a dubm ass an over draw it again cause its a bitch to get them to remove more then 1 time if its not a bank error Quote Link to comment Share on other sites More sharing options...
SRTurbo04 Posted November 20, 2009 Report Share Posted November 20, 2009 have you tryed to mabey buya visa gift card so you can stil lpay bills online with as well but you can load when ever Quote Link to comment Share on other sites More sharing options...
mrblunt Posted November 20, 2009 Author Report Share Posted November 20, 2009 I've already paid the 25 dollar fee but I appreciate the heads up. They actually sent me a note saying the annual fee would show up on one of the next three statements. Evidently you guys bitched loud enough that they made a change. Quote Link to comment Share on other sites More sharing options...
justinwebb Posted November 20, 2009 Report Share Posted November 20, 2009 here soon you will be able to pay bills using your credit card online, they are changing the system at chase to instead of using just a checking account you will be able to use the credit card. I used to credit people's fees back like crazy if they were nice to me but when they were a douche i would just say they didnt qualify even if they did lol. as for a way around getting more points for things like car payments and such good luck lol i tried to figure out the same thing and couldn't find anything that would work well Quote Link to comment Share on other sites More sharing options...
Bam Posted November 20, 2009 Report Share Posted November 20, 2009 My .02. Points suck. Cash is king. I have the chase freedom plus card, 1% cash back on everything, 3% back on 15 categories. Plus if you wait until you have $200 in rewards saved up you get a $50 bonus. So it adds up REALLY fast, as in I get around $1000-$1250 cash back annually and don't spend a ton. This is my 3rd year having the card. They JUST started the annual fee in the last 3 months, but its only $30/year after the first year, and if you just open the card you get $50 cash. It's a win win in my book. Quote Link to comment Share on other sites More sharing options...
evan9381 Posted November 20, 2009 Report Share Posted November 20, 2009 that'd be nice once i can pay off my chase CCs with my 5/3 CC to get the points...i dont use my chase card with points enough for it to matter...the other one i have is my speedway card which i get speedy points for. Quote Link to comment Share on other sites More sharing options...
rl Posted November 20, 2009 Report Share Posted November 20, 2009 I just use chase rewards. I end up with about $100 in gift cards a month. I'd say it's worth the $25 fee once a year. Quote Link to comment Share on other sites More sharing options...
downingracing Posted November 20, 2009 Report Share Posted November 20, 2009 My .02. Points suck. Cash is king. I have the chase freedom plus card, 1% cash back on everything, 3% back on 15 categories. Plus if you wait until you have $200 in rewards saved up you get a $50 bonus. So it adds up REALLY fast, as in I get around $1000-$1250 cash back annually and don't spend a ton. This is my 3rd year having the card. They JUST started the annual fee in the last 3 months, but its only $30/year after the first year, and if you just open the card you get $50 cash. It's a win win in my book. And you need to make sure the $50 bonus is still there. I've had my card for a little over a year and went to collect my 4th $250 check to find they changed my account to not have that 'bonus' anymore. Can't blame them - I carry a 0 balance - paying off the balance every month. They never make a dime off me and just pay me rewards for using their $$ until the bill comes. Quote Link to comment Share on other sites More sharing options...
Bam Posted November 20, 2009 Report Share Posted November 20, 2009 And you need to make sure the $50 bonus is still there. I've had my card for a little over a year and went to collect my 4th $250 check to find they changed my account to not have that 'bonus' anymore. Can't blame them - I carry a 0 balance - paying off the balance every month. They never make a dime off me and just pay me rewards for using their $$ until the bill comes. I just did it in October, and had $214.xx in rewards and used $200 of them for the $250 check, so worked for me. Sucks to hear if they've changed it but I can understand why. I too carry no balance ever and I have been getting the same $1000+ for the past couple years, and I JUST paid the first "annual" fee of $30 in August, LOL. Quote Link to comment Share on other sites More sharing options...
mrblunt Posted November 20, 2009 Author Report Share Posted November 20, 2009 And you need to make sure the $50 bonus is still there. I've had my card for a little over a year and went to collect my 4th $250 check to find they changed my account to not have that 'bonus' anymore. Can't blame them - I carry a 0 balance - paying off the balance every month. They never make a dime off me and just pay me rewards for using their $$ until the bill comes. I dont plan to carry a balance. I'm just redirecting the way I pay for things. I'm going to call the local AAA tomorrow to pursue this AMex Travelers check thing. If I have the money in my checking account to pay for them and AAA doesnt run it as a debit I cant see how that wouldnt rack up my points Quote Link to comment Share on other sites More sharing options...
Furloaf Posted November 20, 2009 Report Share Posted November 20, 2009 Money orders and traveler's checks usually count as cash advances and will rape you at 25%+ APR. There's a work around of buying large volumes of coins from the mint, they're like gift boxes for people who collect coins. Cash the coins in at the bank. I've heard of that a while ago so they may have put a stop to it now. Quote Link to comment Share on other sites More sharing options...
mrblunt Posted November 20, 2009 Author Report Share Posted November 20, 2009 Money orders and traveler's checks usually count as cash advances and will rape you at 25%+ APR. There's a work around of buying large volumes of coins from the mint, they're like gift boxes for people who collect coins. Cash the coins in at the bank. I've heard of that a while ago so they may have put a stop to it now. I've read up on my cash advance info. The APR is rediculious and there is a 5% advance fee. My thought is that since its a debit card that i wouldnt see those fees...... its probably a crap shoot. lol Quote Link to comment Share on other sites More sharing options...
Tractor Posted November 20, 2009 Report Share Posted November 20, 2009 I run lots of stuff through a Royal Carribean card. Quote Link to comment Share on other sites More sharing options...
Hwilli1647545487 Posted November 20, 2009 Report Share Posted November 20, 2009 People who pay fees to carry cards are suckers. Quote Link to comment Share on other sites More sharing options...
KillJoy Posted November 20, 2009 Report Share Posted November 20, 2009 People who pay fees to carry cards are suckers. Not if you Pay $30 per year, and get $1000+ in Rewards, all while paying no interest. :thumbup: KillJoy Quote Link to comment Share on other sites More sharing options...
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