Very important to mention that with the Amex Platinum, you can add up to 3 authorized users for the same $175. Not $175 per person
@johnlittle8267
2 жыл бұрын
Also I think you can add Green authorized users for no fee
@moderatorenforcement3001
2 жыл бұрын
That is foolish
@docholliday4546
2 жыл бұрын
Question: If Im an auth user on your card do we share your credit line or do I get my own?
@geraldcharleston7979
2 жыл бұрын
@@docholliday4546 we share the same but there is no preset credit limit on the card
@moderatorenforcement3001
2 жыл бұрын
@@docholliday4546 you share
@turtlebud
2 жыл бұрын
You can also add a Gold AU to the platinum for free (it's not a 4x food gold card, but it accomplishes the AU for transferring points to their loyalty account without applying for a new card)
@MarkReese
2 жыл бұрын
Great tip about the Everyday Preferred 🏆
@HockeyJock
2 жыл бұрын
yes. 👏🏼
@youngtimer7531
2 жыл бұрын
Hey Ben. My family of 4 figured out a program. I can get the AMEX Platinum without a hard pull on my credit. Then get 3 AU's for $175. Then we divide the ($695 plus $175) by 4 and we all get that Platinum card for $217.50/year. That is unbeatable for that card and the benefits (lounges, TSA/Global entry, hotel status, etc).
@MikeSyraxx
2 жыл бұрын
How does this workout? Don’t you get charged per authorized user? I have my platinum plus 1 authorized user who gets their own card.
@TheCreditShifu
2 жыл бұрын
$175 for the first three, so if you only add one it is $175, or you can get 3 for that price too. This will go in the next video
@TheMatakoyo
2 жыл бұрын
@@MikeSyraxx The annual fee for Additional Platinum Cards is $175 for up to 3 Additional Platinum Cards. The annual fee for the 4th or more Additional Platinum Cards is $175 for each Card.
@MikeSyraxx
2 жыл бұрын
@@TheCreditShifu does this apply to the business plat.? Does this me that each user gets their own set of the same Benefits as the main card holder? For example; global entry fee, airline credit, etc. Or even signup bonus?
@jamestomkins3221
2 жыл бұрын
So you pay 695+175 but you only get one tsa/precheck fee per 4 years? I get the other benefits but that one does not apply to every AU
@connortea
2 жыл бұрын
this is a great time to apply for the green card if the gold isn't your cup of tea, i just got it and the resy offer will be great for the first year!
@landocalrisian2014
2 жыл бұрын
This video was invaluable especially about tripling your credit line. Thank you for the information Ben!!!
@Kilopocalypse
2 жыл бұрын
I’ve been digging the gold card recently
@TomSramekJr
2 жыл бұрын
The other thing about MaxRewards is that it simultaneously activates the same offer on multiple cards, which is normally not allowed.
@jeremykramer8138
2 жыл бұрын
Oh this is nice! I was staying clear because activating for one took it away from the other
@priorityqueue
2 жыл бұрын
Wow this is big if true
@TomSramekJr
2 жыл бұрын
@@priorityqueue I have 5 AmEx cards and have the same activated offer in at least four of them at a time.
@priorityqueue
2 жыл бұрын
@@TomSramekJr Amazing, thank you for sharing
@JuanRamirez-hr8vj
2 жыл бұрын
Thank you 😊 these videos are very helpful 💪🏽💪🏽💪🏽💪🏽💪🏽💪🏽
@Xtremeproducts
2 жыл бұрын
Are you subliminally telling us you have the Centurion Card? Ben flexing on us.
@SteveG1337
2 жыл бұрын
Doubt he spends enough for that.
@arizvi12
2 жыл бұрын
Love all your hacks - please provide. more and more for Family of 4 hacks
@tivermawow1290
2 жыл бұрын
Great video Ben. I didn't know about the offers through Resy! I'll use that when I go for the platinum or the gold later on.
@uhhhhJD
2 жыл бұрын
seeing this right after I applied for and got the platinum card with a 100,000 pt offer makes me hate myself for not finding the Resy offer beforehand
@Tanesha96
2 жыл бұрын
Thanks for the solid advice! I followed all your steps since December. I even took it a step further and treated my credit cards as if they were charge cards. Amex limit went from 10,000 to 20,000! 😭
@cj0204
2 жыл бұрын
Charge cards?
@lenadao5148
6 ай бұрын
Can I pool point with BBP AU like the personal everyday card? Thanks
@deborahanderson4211
2 жыл бұрын
Thanks for this!
@chrisbrown8748
2 жыл бұрын
As a AMEX quadfecta holder I’m all about this video🙌🏽
@bigboy-ky3mx
Жыл бұрын
If you already an A.E. member, dont apply through resy unless you want a hard pull on file.
@InvestedKevin
Жыл бұрын
At 2:07, Ben is that the centurion card???
@travelwithdb
2 жыл бұрын
These were really helpful. Thanks.. 😀
@CaseyBurnsInvesting
2 жыл бұрын
What else are family members good for but points?
@banderson1979
2 жыл бұрын
There is a thread at myfico about people not being able to do CLI's until 90 days, where previously it was 61 days, interesting twist.
@moderatorenforcement3001
2 жыл бұрын
After 60 days requesting Credit increase isn't true. I requested and they told me I had to wait 6 months.
@docholliday4546
2 жыл бұрын
Question: Is a Secured line of credit the same as a non secured line of credit... Example: If I have a secured line of credit for $3000 and amex card requires a line of credit of $3000, would amex except the secured line of credit?
@jeremiahsteele8234
2 жыл бұрын
Helpful video! Would love more!
@O-Dini
2 жыл бұрын
Yes…. Please provide more hacks!!!
@7motion985
2 жыл бұрын
I have to give the credit you do provide very useful info
@robinlawrence662
2 жыл бұрын
I love your channel! I would like some more hacks.
@williamw8546
2 жыл бұрын
The hotel collection for Amex gold is still 0.7 ppc for me maybe only platinum got that 1 ppc
@TheCreditShifu
2 жыл бұрын
Yeah i believe only for platinum
@ReinHart006
2 жыл бұрын
I’ve been looking for this! 👍🏻
@jonathanlosa399
2 жыл бұрын
Where is the credit limit increase request for the hilton card? All i can find is a spending power button, but this isnt a charge card.
@ayamaikarim
2 жыл бұрын
Same question I had.
@xYasago
2 жыл бұрын
Can you transfer points to the same loyalty program account? Both of you can transfer points to the same world of hyatt account (in this case). That could be one way to pool your points together.
@TheCreditShifu
2 жыл бұрын
If you have an authorized user, yes
@JohnPavlish
2 жыл бұрын
This was great! Please share more hacks!
@caterminnis5534
2 жыл бұрын
Do you have any other lounge option on Amex platform for couples other than the Authorized Users card?
@xporkrind
2 жыл бұрын
Just to clarify. I recently got an Amex Business Gold and my wife got an Amex Gold. We are not authorized users on one another's cards. But just by virtue of each being an Amex card user, we can automatically pool our points? Do we need to call Amex to set up a point pooling? Or do we need to get a third card with no annual fee, where one spouse is a user and one an authorized user??? It's unfortunate because I just closed a free Amex account, not realizing this. Not sure if they would allow me to reactivate it. Probably not.
@babs9269
2 жыл бұрын
@Ben Hedges do you know why I cannot add my GM Marcus card to MaxRewards? Is it because its owned by Goldman Sachs now?
@officialdarrenzheng
2 жыл бұрын
Is it just me, or the Everyday Card doesn't have an annual fee? I have the card and I don't pay an annual fee.
@2chill2worry
2 жыл бұрын
You’re right, it doesn’t have an annual fee.
@Helsing.7
2 жыл бұрын
There two of them the annual fees one and the none fees
@uHnodnarB
2 жыл бұрын
For the EDP (EveryDay Preferred), I think the additional .5% doesn’t add up unless you value the Uber credit of the gold at 50% of face value or less. And since the EDP doesn’t have any credits, I would say it’s safe to assume that the effective annual fee is also $95. For simplicity’s sake, let’s just assume that one MR point is one cent per point. If you value the credits for the Gold at full face value, since the EDP earns 3%/4.5% for 6k of groceries a year, you would earn 6000*0.045-95=$175 worth of points for the EDP. With the gold, with a $10 EAF, you earn 6000*0.045-10=$260 worth of points. Where the EDP could earn you a little more points would be if you value the Gold Uber credits at 50% face value or less. Then for the EDP, it’s the same $175 worth of points, and for the gold it would be 6000*0.045-70=$170 worth of points. So basically you should only really be using only the EDP for groceries if you spend $6000 or less on groceries per year, and if you value the Gold Uber credits at 50% or less of face value. But at exactly 50% face value, you are only earning 500 more MR points, which isn’t a ton. In comparison, for the gold, the 4% on groceries is up to 25k.
@jacobtb1
2 жыл бұрын
if there is no limit, how does my utilization get calculated?
@TheCreditShifu
2 жыл бұрын
Charge cards do not show utilization
@Elricky124
2 жыл бұрын
Can one transfer from Amex to world of Hyatt? I saw the video example but I didn’t know you could do that.
@joeelliott8397
2 жыл бұрын
My family and I (4 total) will be traveling through Miami (MIA) and have a 4-5 hour to kill and flying American. So I am trying to find the best card and lounge to use while there. Thank you for the help.
@sheilahernandez5318
2 жыл бұрын
Centurion lounge and Admirals club lounges in MIA are both pretty nice. They’re also relatively close to eachother! If you get Priority pass, Turkish airways lounge wasn’t bad at all either! They had a nice buffet :). Hope this helps.
@veezhang6988
2 жыл бұрын
Amex has been giving me popups for the Everyday since I got my Gold card lol. They must have known that I plan to cancel my gold as soon as I finish first year
@jrome1135
2 жыл бұрын
Did you already have other cards with them? Any spend after the sub? Buying vgcs? Any other "irregular activities"? (Not team rat, just curious since the popup seems pretty random)
@veezhang6988
2 жыл бұрын
@@jrome1135 yes I have 2 others (0af Hilton and blue cash everyday) and both have a little spending on them after hitting minimum spend. Could still be the main reason since they might consider me not spending enough. Never bought any gc using Amex card.
@HockeyJock
2 жыл бұрын
@@veezhang6988 it's very likely the lack of spending on the cards.
@seanswart962
2 жыл бұрын
I’ve had the BCP for 3 months, so I called for the limit increase. You’re able to ask for an increase after 180 days… not 60!
@raeman365
2 жыл бұрын
You can ask for an increase any time you want, but will only be allowed after 60 days of account opening. This is why you see upwards of 3x credit increases. 180 days is just preferred by most issuers.
@seanswart962
2 жыл бұрын
@@raeman365 not accurate. I posted as soon as I got off the phone. You may have had a different experience in the past, but of 2/22/22 Amex policy is 180 days
@HockeyJock
2 жыл бұрын
@@seanswart962 I think these guidelines might be different between request type. You called in to ask. The process he's referring to is through a special online feature.
@sonictonic_
2 жыл бұрын
I too was denied after 60+ days. Tried again a couple weeks after too, and now I don’t even have the button on the online account to request it! SMH.
@curmudgeonextraordinaire1884
2 жыл бұрын
They gave me a 28K limit on my BCP right out of the gate. I don’t want any more!
@fivegeeztv998
2 жыл бұрын
Does the increase request worn for Hilton bizz also?
@Xtremeproducts
2 жыл бұрын
Too 8. First time in the top 10 in a while.
@mscorrell
2 жыл бұрын
I'm thinking about applying for Qantas Amex card. $0 fee.
@caterminnis5534
2 жыл бұрын
I love your platform. Does the AMEX cashbacks have the ability to convert to MR?
@TheCreditShifu
2 жыл бұрын
No
@starchild5477
2 жыл бұрын
Would any of these work with my Optima Card?
@BWLL13
2 жыл бұрын
the increase is after 3 months in the UK
@leonarddetommaso1915
2 жыл бұрын
Ways to satuts match to hotel in vegas to cancel out resort fees with amex
@jrome1135
2 жыл бұрын
Just get a wyndham biz which gives wyndham diamond you can match straight to Caesars diamond, free parking, "skip the line" line, and 100$ "celebration dinner". Unless you have plat, then lots of good fhr/thc choices in vegas
@jlatham
2 жыл бұрын
Is the national car rental emerald status only good for one year or is it permanent when you get the platinum?
@TheCreditShifu
2 жыл бұрын
Should be good as long as you have the platinum account open
@ryanfitzsimons7388
2 жыл бұрын
I have the EDP for the 50% bonus points but 30 transactions a month was a lot harder to do than I thought so I bailed on that card (aka downgraded)
@yukidorkins986
5 ай бұрын
Yes please !
@ethanpatrick
2 жыл бұрын
Such a great video!
@corteydmusic
Жыл бұрын
ok
@CYCLEGAMER1
2 жыл бұрын
Can someone tell me how to find the credit limit increase tab?? I can’t find it anywhere on the site.
@CYCLEGAMER1
2 жыл бұрын
NVM...I found it! You have to enter the sites web address along with forward slash "account services" to find it
@Re3iRtH
2 жыл бұрын
Hat is back! Love it
@HockeyJock
2 жыл бұрын
Didn't see the video shown on the end card.
@chrisr5437
2 жыл бұрын
Yes, more hacks! Lol love the content.
@colemanbelliveau16
2 жыл бұрын
So I have the delta card (regular one) and I’ve had it for a year now would it be better for my to upgrade to the platinum delta card or just request a credit increase?
@colemanbelliveau16
2 жыл бұрын
So I upgraded my card to the platinum delta but they haven’t told me what the increase is yet or even if there is one
@pascaltait6073
2 жыл бұрын
Amex Everyday is only for US Citizens right?
@georgesarraf8177
2 жыл бұрын
….or you could just make someone an authorized user on the platinum
@deedeet9631
2 жыл бұрын
Best video yet
@derrickboswell7
2 жыл бұрын
We need the next 10 please sir
@RE2PECT
2 жыл бұрын
Can you do a video for points on gas
@Mackcard24
2 жыл бұрын
☝️☝️☝️ Dm 💯 legit plug 🔌
@drsuikoden3850
2 жыл бұрын
Get citi custom cash
@morkmckerr
2 жыл бұрын
3x credit limit with Amex does not work if your starting CL is $20k or more.... It's more like 0.5x
@TheCreditShifu
2 жыл бұрын
Right because as soon as you go over $25k Amex requires manual ubderwriting
@morkmckerr
2 жыл бұрын
@@TheCreditShifu no underwriting necessary... Did it over the phone 22k ->31k..... They were super nice ran it a bunch of times until I guessed the magic number for their algorithm... Was immediate upon the conclusion of the call
@raeman365
2 жыл бұрын
Amex will typically ask for tax forms for the last 3 years if they are unsure about extending credit past 25K. Lucky you, man!
@morkmckerr
2 жыл бұрын
@@raeman365 maybe it was my first amex card & first time asking...additionally my other cards also start with 2's....first card with a 3 ;) next goal is one with a 5.....my utilization ratio is silly low, but the limit is there if i need it
@sonictonic_
2 жыл бұрын
Also didn’t work for my card that only had a poultry $1500 limit LOL. BCE, paid in full every month.
@officialflorint
2 жыл бұрын
Uhhh since when do you own a Centurion? Nice 🔥
@2chill2worry
2 жыл бұрын
Do one of this for Chase!
@MotuSethGopangamDas
2 жыл бұрын
Awesome!
@Vigiliantez
2 жыл бұрын
Nice!!
@Layodamus
2 жыл бұрын
Or instead of an additional plat you just add them as a gold for no fee
@JonathanDutton
2 жыл бұрын
Good stuff. I'd like more hacks if you have them.
@shayrich7783
2 жыл бұрын
Ten more!
@VeteransWealth
2 жыл бұрын
MORE TIPS! MORE TIPS! MORE TIPS!
@geraldcharleston7979
2 жыл бұрын
Make sure you mention gift cards as some redeem at a rate of 1 cent per point
@VirtousStoic
2 жыл бұрын
1st, good tricks
@MrOPM-vc6ow
2 жыл бұрын
Is it 25k or 35k limit before they start digging in your financials?
@bigboy-ky3mx
Жыл бұрын
25k
@MrOPM-vc6ow
Жыл бұрын
@@bigboy-ky3mx I’m over 25k
@savakolmogoroff9094
2 жыл бұрын
I've watched like 100 of your videos.... Your name is Ben??!!?
@getsugatenshoFTW
2 жыл бұрын
More hacks please!
@ry4962
2 жыл бұрын
shows off a centurion card w a 5k fee every year
@911eVoX
2 жыл бұрын
Ben, I fucked up today. I accepted the offer Amex put down to enroll in their Centurion card based on spending with the company card. Fuck I don't have the $10k and I don't know if I can funnel it through my company. How do I survive? I only signed up because of your recommendation of earning points and now I have 4.5 million membership points, but I am afraid to go wild and start spending. Thank you so much and please respond!
@HockeyJock
2 жыл бұрын
I'm not sure what exactly you expect him to say or do.
@Terroratmidnight
2 жыл бұрын
Did he just flex having the black card at 2:07
@andrewreno6424
2 жыл бұрын
You beat me to it
@HockeyJock
2 жыл бұрын
He said in another video that it's borrowed so he can use it as a prop. But... I'm thinking it's really his 😉
@albertcastro409
2 жыл бұрын
If I never transfer my points I don’t lose them correct ?
@TheCreditShifu
2 жыл бұрын
Correct
@albertcastro409
2 жыл бұрын
Thank You.
@HIDDENDISCIPLEx7304
2 жыл бұрын
thought it was jim carry 😂
@Urgento22
2 жыл бұрын
yes, 10 more hacks
@tidusfantasy
2 жыл бұрын
6:06 are u sure its 30k points? Should it be 3k points, not 30k points. $30 = 3000 points only no?
@TheCreditShifu
2 жыл бұрын
Yeah i messed up
@nubianpwr
2 жыл бұрын
10 more👍🏾
@michaelkeaton32
2 жыл бұрын
Awesome video! I like the shoutout for the Everyday. I have the Schwab & vanilla plat (no AF due to military), but when I retire, I've been thinking of my exit strategy. I was going to downgrade the vanilla plat to the green or just cancel out-right, but now I'm thinking I'll downgrade it to the Everyday. I also have the Gold, but I mainly have that for the restaurants. Now I'm wondering if I should just cancel it?
@LandynG137
2 жыл бұрын
Correct me if I’m wrong but I don’t think you can downgrade the platinum to the everyday since ones a charge card and the others a credit card.
@TomSramekJr
2 жыл бұрын
You can't downgrade a charge card to a credit card, so you'd have to downgrade to green which isn't a bad card, or to a Gold which is excellent, even at $250. You can apply for an Everyday card, though, which would preserve your points.
@jrome1135
2 жыл бұрын
You could just open a blue business plus (no af business card 2x everything) to preserve the points. I think theres a 15k for 3k spend/3months offer around rn
@TomSramekJr
2 жыл бұрын
@@jrome1135 You could, but if you don't want to (or can't) go the business card route, then the Everyday makes sense.
@jrome1135
2 жыл бұрын
@@TomSramekJr Yep. Afaik, those are the only fee free mr earning cards
@cjjunkee8602
2 жыл бұрын
More hacks please, how to use ritz $300 incidental credit, hahaha
@isaacymoore
2 жыл бұрын
Instead of adding an authorized user (player 2) to transfer to their loyalty program accounts, using the everyday card, use the Blue Business Plus so you don’t mess with player 2’s 5/24 status.
@ayman.ibrahim
2 жыл бұрын
You mean $30 or 3000 points not 30k points on Rakuten!,
@seanyu3163
2 жыл бұрын
that music in the background is annoying. too much stuff going on
@RobAndSa
2 жыл бұрын
This is a comment!
@TheCreditShifu
2 жыл бұрын
this is a reply
@rafaa212723
2 жыл бұрын
“Hacks”
@JstallGFU
2 жыл бұрын
Dudes are still making these kind of thumbnails? Never trust a video with this thumbnail
@TheCreditShifu
2 жыл бұрын
We are indeed still making these kinds of thumbnails, yes, evidently
Пікірлер: 169