My P-2 and I have: 2x IHG(retired) + 2x IHG + 2x Hyatt (retired) + 1x SPG Business + 1x Hilton Aspire + 1x Hilton Ascend, we are LOVING the value we get out of it all. 9x in total for the TLDR.
(9:37) *LoL* this is literally the same conversation I have with my Player 2. Then Player 2 says I think you should focus more on work and increasing your income than trying to cop these credit card deals. Womp womp...
Like the videos. Noticed your spreadsheet and I would like to start one for my cards. Could you do a video on you xls tracking? Thanks for the content.
@@AskSebby mine has cold feet and wants nothing to do with credit cards and does not understand them no matter how many times I explain to her Oo and I'm military and still does not understand lol
My player 2 didn't care about credit cards at all until I became well informed. She still has no desire to run a large set up so what we been doing is I get the cards we split the spend to make sure we hit large sign up bonus. She currently an authorized user on a few of my cards as we build a setup.
Sebby, how about an updated Player 2 mode after 5 years? Now that I have a player 2 entering the game, would be very insightful and I’m sure many others would find it too! Cheers
Sebby I love you. Also, do you think you can make a video on award travel? Talking about some of the best mile redemptions. Like the 75k Round Trip Business on ANA to Japan. Or the 110k first class flight on ANA using Virgin Atlantic miles. And maybe some Round The World redemptions?
There is one advantage I see in both spouses collecting cards from the same issuer... You can refer each other, getting additional points from referral bonuses. So for example, if my wife opens an amex platinum with a 60k point bonus this year, I can actually get another 20k bonus off a referral from my Amex Business Gold card, making that one application worth 80k total for our family. Another thing I noticed is that not all Amex cards carry the same referral bonuses... The Amex Business Gold card for example gives 20k points per referral (vs. just 10k for alot of the other amex cards).
That's how my wife and I started in the SPG cards. We each grabbed 1 then referred each other for 5K Starwood points. Now the play would be as you described for the Platinum followed by product changing your Platinums for a gold and a green each (if the rumors on the upcoming green are true). Then get a Schwab Platinum after that.
@@SolidLiquidFox Nice! But actually I wouldn't do those product changes - with Amex's once in a lifetime bonus, I have heard that you may become ineligible for that card's signup bonus even if you got that card through a product change. (Amex has a rule where you are not eligible for a signup bonus if you have ever had that product before) Instead of product changing, I would just use referral links to open the Green card and Gold card and open them up separately. Amex now lets you refer from any card to a different product. Although the referral link initially shows the offer for the same card, once the referred player clicks on the link, they can actually change their card selected to any other Amex card they want, and the referring player still gets the referral bonus for the original card they referred from. (this doesn't work for cobranded cards, only if referring from amex branded cards)
I am running a similar setup except instead of the Chase trifecta, I have an Amex quadfecta on player 1: Schwab Platinum, Amex Gold, BBP, and Business Gold card... As a backup we have the BofA Platinum Honors setup earning cash back at 75% extra. Currently we are also building out the hotel keeper cards, last year we opened one SPG luxury card, and two SPG business cards, for a total signup bonus of 300k marriot points (plus referral bonuses) and today I just opened up two more SPG personal cards for the 75k bonuses since that card is going to be closed to new applicants beginning in February. The plan is most likely to finish maxing out marriot cards on the amex side with one more luxury card, for a total of 6 marriot keeper cards. After this last SPG card, player 2 is going to focus only on business cards that do not affect 5/24 for a couple years, until under 5/24 at which point she will start with opening the Chase business cards followed by 5 other chase cards to max out on Chase before doing anything else. Player 1 in the meantime will continue to open the Hilton cards, and airline cards with downgrade paths.
Hi Sebby, I recently asked a question in Fico forum about techniques on opening up more cards in quickest way. Some people mentioned about AAoA scores problem if I apply too much within a short time frame. I researched AAoA and I know it is about the house rent thing. I think if you make videos about AAoA scores would be helpful for many viewers as many of us do not know about it and it seems like it will be a problem if we are gardening in high speed.
how do you spend enough to get the points on the business cards? It wants me to spend 15k in 3 months, is there certain ways to do that besides just 15k on junk that makes it worth while?
If I upgrade the Ascend to Aspire after one year, do I get the aspire sign up bonus? Or do I have to cancel after one year and apply for aspire to get the sign up nonus?
Upgrading doesn't make sense unless you've had the card: www.asksebby.com/blog/should-you-upgrade-your-american-express-card Path #1 (If you travel enough): a) Apply for Aspire = 150k bonus b) Upgrade Ascend to 2nd Aspire = upgrade offer Path #2 (If that doesn't make sense based off travel): a) Apply for Hilton (no-AF) b) Apply for Aspire c) Downgrade Ascend to no-AF option Rational for #1 = signup bonus + upgrade bonus vs. upgrade bonus Rational for #2 = signup bonus > upgrade bonus
Thanks Shebby for this hugely informative video. My wife has a little better credit history than me. So I get high end cards on her account and pick low hanging cash back cards on my account. But I am slowly moving up the ladder to get mid level travel cards like BOA premium or Amex gold. Again thanks a lot 👍. You are the best!!
hi sebby...wondering if u got my info on the credit card consultation...pls help as i would like to know which card/card system to use to accrue miles/points...also, do these free hotel stay that comes with the anniv of a hotel card come in certificates? do they expire? a video on more info for hotel redemption would b great
@asksebby, can you advice how i can do this if my wife is a foreigner (ukraine)? Still working on getting her immigrated. Her country don't use credit score so i am wondering where to start
Your SPG strategy is similar to ours but my logic is to have most of the Amex/Chase cards under 1 Player. That way its easier to hit those 35 nights to platinum. Player 2 should only keep 1 personal SPG card at $99 (or Lux if ok with $450 AF) in case there is an Amex offer for $40 off $200 with a Marriott brand. That leaves them free to focus their Amex slots for Hilton or Delta. So P1 (me) has Ritz, Chase Biz, 2 Lux, Amex biz and soon a regular SPG before it going away. Logic says 1 lane rule should disappear in the future so that's a Marriott Boundless card to be added down the line.
SolidLiquidFox That makes alot of sense if you know you will have alot of marriot stays... For us, I'm not sure if we would be able to maintain 35 nights per year just at Marriot however
I probably wont hit Platinum the next 8 consecutive years, but it will be easier to achieve lifetime status as a long term goal. Given 7 nights in certificates and $600 in Lux credits taking care of about 5 more nights, 23 out of pocket nights per year is a less daunting task those years I decide to meet the 50 threshold for Platinum.
@@SolidLiquidFox with the new Marriott card changes coming up I believe the 1 lane rule will go away as well, maybe even on Feb 13. Have you had your 15 nights credited to your account from your SPG cards? I have yet to see them hit my account 😕
@@SolidLiquidFox not sure if this would make sense for you to do but I hosted a meeting at a Marriott last week(I usually hold these at IHG) just so I can get 10 nights credited to my rewards account just for holding an event. My event is 9-5 related, and I figured with 15 nights coming from the cc and 10 coming from my event I am already at 25 nights(gold status). The conference room I got was $150+taxes per day. Could 10 nights credited be worth $150+taxes?
Thanks for the great video!!Can you comment on AUs, How does/would it affects their Chase 5/24 status?Does it block an AU from their own sign up bonus for a card where they are currently/already an AU if they wanted to apply for their own card?and how to rectify if so... with an eye one 2 player set up??For example an AU on an INK Biz preferred or a Chase Marriott personal..
Authorized users on personal cards *do* count towards 5/24, so if you are under 5/24 be sure not to add that player as an authorized user on an non-business cards until after you are done with Chase. If both players are under 5/24, instead of adding authorized users, I would have each player refer the other to get referral bonuses and open up the 3 business cards + 5 personal cards, so you can complete your Chase cards, then move onto other issuers. If you have already added an authorized user, I believe the business card authorized users do not count. For the personal cards, I have read that if you you have authorized users and get instantly denied for an application because of 5/24, you can call in to Chase for reconsideration and if they say that you have too many accounts recently, you can tell them that your new accounts were authorized user accounts and they may approve you.
For someone who is still relatively new to the game, this video was like a compressed crash course! My wife and I have only scratched the surface. We live in Singapore, but have kept our US credit scores above 800. Both of us have never applied for an AmEx Card before. We are planning to fly Delta this June and she has a 75,000 mile offer, does that seem compelling enough to pull the trigger?
Well, I just pulled the trigger on the 75,000 miles... hopefully it’s not a misstep since my wife is an Amex virgin and I honestly don’t know the implications there.
Are you Ok??? there was no buffet, or gambling or going to the bar references . Im worried about you =P but other than thank great video and take on player 2
Sebastian :😡 I clicked the video cause you had Mandy on the cover . Unknown to your subscribers, you used her as bait!!!!! Tricky , very tricky , I’m ONTO YOU 🤔🤔🤔🤔🤔🤔🤔🤔🙃
Started three years ago , wife and now my son 19. We are you player 3 system . Traveled every month . By the way you are a genius
Three player system that is amazing!
I was so used to watching your videos every morning before heading to work. These late night posting times are killin me!
The biggest take away from this video is that Sebby is dating Mandy
Didn't we already know that
They're not married?
Adam Smith are they?
Jason Moy dunno I guess I shouldn't have assumed anything. Both seem awesome, fun, and they have great chemistry on camera.
@@adamsmith8689 He has confirmed they are not married before. This is just an indirect way to let us fans know they are dating.
Can we get an updated perspective on this?
My P-2 and I have: 2x IHG(retired) + 2x IHG + 2x Hyatt (retired) + 1x SPG Business + 1x Hilton Aspire + 1x Hilton Ascend, we are LOVING the value we get out of it all. 9x in total for the TLDR.
(9:37) *LoL* this is literally the same conversation I have with my Player 2.
Then Player 2 says I think you should focus more on work and increasing your income than trying to cop these credit card deals. Womp womp...
Do you have a 2022 update for this 2-player mode setup?
I'd love a 2023 update here
Debby can you do an updated video of this in a 2020 setup?
Any idea when citi will reopen the prestige for new applicants?
Like the videos. Noticed your spreadsheet and I would like to start one for my cards. Could you do a video on you xls tracking? Thanks for the content.
Here's a copy of the card tracker: www.asksebby.com/blog/how-to-keep-track-of-your-credit-cards
Just started my wife up as my Player 2 the other day - thanks to your advice.
If she gets cold feet, take her on a vacation ;)
@@AskSebby mine has cold feet and wants nothing to do with credit cards and does not understand them no matter how many times I explain to her Oo and I'm military and still does not understand lol
My player 2 didn't care about credit cards at all until I became well informed. She still has no desire to run a large set up so what we been doing is I get the cards we split the spend to make sure we hit large sign up bonus. She currently an authorized user on a few of my cards as we build a setup.
Sebby, how about an updated Player 2 mode after 5 years? Now that I have a player 2 entering the game, would be very insightful and I’m sure many others would find it too! Cheers
I completed my Chase Trifecta las month. Need to figure out my wife’s strategy.
Sebby I love you.
Also, do you think you can make a video on award travel? Talking about some of the best mile redemptions. Like the 75k Round Trip Business on ANA to Japan. Or the 110k first class flight on ANA using Virgin Atlantic miles. And maybe some Round The World redemptions?
There is one advantage I see in both spouses collecting cards from the same issuer... You can refer each other, getting additional points from referral bonuses.
So for example, if my wife opens an amex platinum with a 60k point bonus this year, I can actually get another 20k bonus off a referral from my Amex Business Gold card, making that one application worth 80k total for our family.
Another thing I noticed is that not all Amex cards carry the same referral bonuses... The Amex Business Gold card for example gives 20k points per referral (vs. just 10k for alot of the other amex cards).
I did the same with my kids :)
That's how my wife and I started in the SPG cards. We each grabbed 1 then referred each other for 5K Starwood points. Now the play would be as you described for the Platinum followed by product changing your Platinums for a gold and a green each (if the rumors on the upcoming green are true). Then get a Schwab Platinum after that.
@@SolidLiquidFox Nice! But actually I wouldn't do those product changes - with Amex's once in a lifetime bonus, I have heard that you may become ineligible for that card's signup bonus even if you got that card through a product change. (Amex has a rule where you are not eligible for a signup bonus if you have ever had that product before)
Instead of product changing, I would just use referral links to open the Green card and Gold card and open them up separately. Amex now lets you refer from any card to a different product. Although the referral link initially shows the offer for the same card, once the referred player clicks on the link, they can actually change their card selected to any other Amex card they want, and the referring player still gets the referral bonus for the original card they referred from. (this doesn't work for cobranded cards, only if referring from amex branded cards)
I am running a similar setup except instead of the Chase trifecta, I have an Amex quadfecta on player 1: Schwab Platinum, Amex Gold, BBP, and Business Gold card... As a backup we have the BofA Platinum Honors setup earning cash back at 75% extra.
Currently we are also building out the hotel keeper cards, last year we opened one SPG luxury card, and two SPG business cards, for a total signup bonus of 300k marriot points (plus referral bonuses) and today I just opened up two more SPG personal cards for the 75k bonuses since that card is going to be closed to new applicants beginning in February. The plan is most likely to finish maxing out marriot cards on the amex side with one more luxury card, for a total of 6 marriot keeper cards.
After this last SPG card, player 2 is going to focus only on business cards that do not affect 5/24 for a couple years, until under 5/24 at which point she will start with opening the Chase business cards followed by 5 other chase cards to max out on Chase before doing anything else.
Player 1 in the meantime will continue to open the Hilton cards, and airline cards with downgrade paths.
Hi Sebby, I recently asked a question in Fico forum about techniques on opening up more cards in quickest way. Some people mentioned about AAoA scores problem if I apply too much within a short time frame. I researched AAoA and I know it is about the house rent thing. I think if you make videos about AAoA scores would be helpful for many viewers as many of us do not know about it and it seems like it will be a problem if we are gardening in high speed.
He has a video about how often to apply for cards.
how do you spend enough to get the points on the business cards? It wants me to spend 15k in 3 months, is there certain ways to do that besides just 15k on junk that makes it worth while?
We run the Chase Quafectra, and have hotel cards; however, we recently dove into the AMEX deep end.
could u pls share more? trying to figure out whether to go into the chase route or amex route
If I upgrade the Ascend to Aspire after one year, do I get the aspire sign up bonus? Or do I have to cancel after one year and apply for aspire to get the sign up nonus?
Upgrading doesn't make sense unless you've had the card: www.asksebby.com/blog/should-you-upgrade-your-american-express-card
Path #1 (If you travel enough):
a) Apply for Aspire = 150k bonus
b) Upgrade Ascend to 2nd Aspire = upgrade offer
Path #2 (If that doesn't make sense based off travel):
a) Apply for Hilton (no-AF)
b) Apply for Aspire
c) Downgrade Ascend to no-AF option
Rational for #1 = signup bonus + upgrade bonus vs. upgrade bonus
Rational for #2 = signup bonus > upgrade bonus
Path 2 makes more sense to me since I have the no-AF Hilton card already and I dont travel enough. Thank you
Do balance tranfers count towards the bonus spending limit?
i am one of the few who prefers city ty points over chase UR. really wish there were more ways to get ty points
Do you lose your status on delta if you downgrade delta gold to Delta blue basic card?
What's a good airline card if I do a mix of domestic and international with the majority in Asian countries? Mainly Hong Kong, Korea and Japan?
Thanks Shebby for this hugely informative video. My wife has a little better credit history than me. So I get high end cards on her account and pick low hanging cash back cards on my account.
But I am slowly moving up the ladder to get mid level travel cards like BOA premium or Amex gold.
Again thanks a lot 👍. You are the best!!
hi sebby...wondering if u got my info on the credit card consultation...pls help as i would like to know which card/card system to use to accrue miles/points...also, do these free hotel stay that comes with the anniv of a hotel card come in certificates? do they expire? a video on more info for hotel redemption would b great
That’s cool you and your sister have this together
I wish they would relaunch the Ritz card, with 100k points signup bonus and no 5/24... that would be awesome
Hi sebby just wondering if you know anything about American advantage card can you transfer miles between mileup and Citi select from american
Is it possible to do Player 1 and Player 2 with Discover IT cards by alternating years in order to get 10% off each year?
KailuaKid619 great idea!
I need to convince my fiancé to do the 2 player strategy!
Player One God Mode here.
@asksebby, can you advice how i can do this if my wife is a foreigner (ukraine)? Still working on getting her immigrated. Her country don't use credit score so i am wondering where to start
Sebby, do you know how can we ask for return offers from AMEX?
Return or retention offers?
thank you for this
Can you do a video for people considering an SPG card before they stop accepting applications?
And maybe compare with similar hotel cards like Hyatt card?
Now that citi sucks and if someone doesn’t have boa preferred rewards what do you suggest for non- trifecta player two?
Depends on many factors such as; how much are you spending a month?
Your SPG strategy is similar to ours but my logic is to have most of the Amex/Chase cards under 1 Player. That way its easier to hit those 35 nights to platinum. Player 2 should only keep 1 personal SPG card at $99 (or Lux if ok with $450 AF) in case there is an Amex offer for $40 off $200 with a Marriott brand. That leaves them free to focus their Amex slots for Hilton or Delta. So P1 (me) has Ritz, Chase Biz, 2 Lux, Amex biz and soon a regular SPG before it going away. Logic says 1 lane rule should disappear in the future so that's a Marriott Boundless card to be added down the line.
SolidLiquidFox That makes alot of sense if you know you will have alot of marriot stays... For us, I'm not sure if we would be able to maintain 35 nights per year just at Marriot however
I probably wont hit Platinum the next 8 consecutive years, but it will be easier to achieve lifetime status as a long term goal. Given 7 nights in certificates and $600 in Lux credits taking care of about 5 more nights, 23 out of pocket nights per year is a less daunting task those years I decide to meet the 50 threshold for Platinum.
@@SolidLiquidFox with the new Marriott card changes coming up I believe the 1 lane rule will go away as well, maybe even on Feb 13.
Have you had your 15 nights credited to your account from your SPG cards? I have yet to see them hit my account 😕
@@mav922able they actually gave them to me late last year around November. I also was under the impression it would happen in January.
@@SolidLiquidFox not sure if this would make sense for you to do but I hosted a meeting at a Marriott last week(I usually hold these at IHG) just so I can get 10 nights credited to my rewards account just for holding an event. My event is 9-5 related, and I figured with 15 nights coming from the cc and 10 coming from my event I am already at 25 nights(gold status). The conference room I got was $150+taxes per day. Could 10 nights credited be worth $150+taxes?
Does Mandy have a twin sister?
Thanks for the great video!!Can you comment on AUs, How does/would it affects their Chase 5/24 status?Does it block an AU from their own sign up bonus for a card where they are currently/already an AU if they wanted to apply for their own card?and how to rectify if so... with an eye one 2 player set up??For example an AU on an INK Biz preferred or a Chase Marriott personal..
Authorized users on personal cards *do* count towards 5/24, so if you are under 5/24 be sure not to add that player as an authorized user on an non-business cards until after you are done with Chase. If both players are under 5/24, instead of adding authorized users, I would have each player refer the other to get referral bonuses and open up the 3 business cards + 5 personal cards, so you can complete your Chase cards, then move onto other issuers.
If you have already added an authorized user, I believe the business card authorized users do not count. For the personal cards, I have read that if you you have authorized users and get instantly denied for an application because of 5/24, you can call in to Chase for reconsideration and if they say that you have too many accounts recently, you can tell them that your new accounts were authorized user accounts and they may approve you.
I want to get down to the real questions: What razor does Sebby use? What does he moisturize with?
Best Guess: Whatever they stock at the nice hotels he stays at! lol
Seb, good stuff. Now imagine player 6...
For someone who is still relatively new to the game, this video was like a compressed crash course! My wife and I have only scratched the surface. We live in Singapore, but have kept our US credit scores above 800. Both of us have never applied for an AmEx Card before. We are planning to fly Delta this June and she has a 75,000 mile offer, does that seem compelling enough to pull the trigger?
Well, I just pulled the trigger on the 75,000 miles... hopefully it’s not a misstep since my wife is an Amex virgin and I honestly don’t know the implications there.
Mind freaking blown!
Excuse me, could you elaborate a bit more about the tax avoidance by paying certificate? Or is there any video that explained it? Thanks
looks like we have to get all the cards
Is this the "Ask Sebby" way to let everyone know he is dating Mandy?!
Agent_WestCoast A they’ve definitely been dating for a while now bro
I'm having issues getting a credit card
If your credit is low or it's your first credit card, most would recommend discover it or capital one platinum.
Are you Ok??? there was no buffet, or gambling or going to the bar references . Im worried about you =P but other than thank great video and take on player 2
THANKS DAD
Sebby, what’s with the weird video release times? Really throwing me off!!!! Lol, Another great video man
Well he’s obviously not home in his regular time zone
Sebastian :😡
I clicked the video cause you had Mandy on the cover . Unknown to your subscribers, you used her as bait!!!!! Tricky , very tricky , I’m ONTO YOU 🤔🤔🤔🤔🤔🤔🤔🤔🙃
👍🏾
MAWR Mandy
lol @ 9:38
I have an ascend and hilton wants to hook me with 50k with aspire sign up
I would just get both so you can get the 150k signup bonus for the aspire
Only did an additional gold to get my GF a global entry credit