General question...got Biz Plat in November and bonus first of January. Given fears of pop up you all think I should keep pushing through with Amex? I have started to have fear that despite my best efforts of using all cards as much as possible I will have a pop up in my future. I really want the BBP. I want the Plat too but am okay without that since it will take a personal spot and I want the Chase biz cards in next 6 months.
You’ve read what I’ve been going through with Amex. At this point, I don’t know if I’m the victim of a no-pop-up-denial or the 1/31-glitch. Even if I have landed on Amex’s naughty list, the BBP is still on my radar for sometime later this year.
If I get the pop up when I do go for the BBP (or denied the bonus even without a pop up), it’s no big loss because the SUB is
only 10k MR. I plan to self refer to the BBP from my BGR for a 20k MR referral bonus, so even if I lose out on 10k, I’ll be pocketing 20k for a keeper 2x MR on “everything else” card.
Your roadmap kind of looks like mine for the rest of the year. Once I get back under 5/24 in March, my focus will be on Chase’s business cards, so I can’t apply for any personal cards as long as I’m looking at the United Biz, CIP #2, and the CIU, then possibly a MDD? That means definitely no churning the Platinum flavors (still have the 60k offers on the Charles Schwab, and hey maybe even the Ameriprise and Morgan Stanley Plats) this year.
I’m keeping my three SPG cards for another year, keeping my Gold indefinitely, planning to keep my personal Plat after fishing for a retention offer, planning to cancel my Biz Green and eventually BGR, and debating whether to keep my Biz Plat and Hilton Biz for another year. The BBP should make for a low risk test case whether I’m on the naughty list or not for subsequent cards, especially those with big bonuses that I don’t want to blow the once per lifetime rule on.
If you want to test whether you’re on Amex’s naughty list at any time, you could always go for the BBP because the worst you could do is lose out on a small 10k MR SUB, and get a 15k or 20k MR referral bonus (you have the BGR, right?).
You have the Biz Plat until November or December of this year. You want a personal Platinum, but not until you’ve gotten some Chase biz cards. Well, the Biz Plat gives you a lot of the benefits of the personal Plat anyway, so you don’t really need to get another Plat until you’re about to cancel the Biz Plat. (Although if you don’t want the mark of canceling the Biz Plat potentially counting against your Platinum app or bonus, you may want to push up your personal Plat application so that you hit your MSR and get the SUB before you have to cancel the Biz Plat.)
I think between avoiding personal cards to stay under 5/24 to get Chase biz cards, the limited amount of worthwhile Amex biz cards (since you already have the Biz Plat and BGR? What about the Biz Green? Co-brands?), and Amex’s once per lifetime rule, that leaves you with applying for the BBP and a lot of time away from Amex that maybe your history will cool off a bit.
but I’m working on taxes. I have a rental property, which never makes a profit. I charge $2500in rent. Taxes and insurance insurance are about $2500. This year I put a new roof on the house for $3600. Do I really need to send a 1099 to the contractor? For those of you who have one or two properties, is this necessary? TurboTax thinks so...
