59. Travel On Points & Miles Playbook: Dealing with Credit Card Application Hurdles and Denials
Points Talk with the Travel Mom Squad
Alex, Pam and Jess
4.9 • 734 Ratings
🗓️ 16 January 2024
⏱️ 40 minutes
🧾️ Download transcript
Summary
Feeling a bit baffled by the twists and turns of credit card applications and rewards? You're definitely not alone in this journey! With a myriad of cards, rules, and unexpected hurdles, the path to becoming a savvy traveler can seem daunting. But fear not, we're here to guide you through the maze with ease!
In today's episode, we look into the common challenges and mysteries that many of us face when traveling on points and miles. We're breaking down the complexities of pending applications, credit card denials, and the strategies for turning these seemingly setbacks into exciting opportunities. Whether it's understanding the nuances of a pending application, tackling a denial head-on, or making the most of a reconsideration call, we've got the inside scoop for you.
Our conversation is filled with practical advice and real-life stories to help you navigate the sometimes confusing world of points and miles. If you're aiming to make 2024 a year filled with rewarding travel and smart choices, this is a conversation you can't miss!
So, what are you waiting for? Hit play and join us in this impactful episode. Start turning your travel challenges into triumphs. And remember to check out our free masterclass below, where we share even more tips and tricks to make 2024 a year of incredible, nearly free travel adventures. Happy traveling, and here's to unlocking more of the world in 2024!
Links For All Things Travel Mom Squad: stan.store/travelmomsquad
Links For This Episode:
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Beginner’s Guide to Travel on Points:
Episode Minute By Minute:
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00:00 Introduction to Credit Card Denials and Pending Applications
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00:48 Understanding the Stress of Credit Card Denials
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01:14 Dealing with Pending Applications
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01:20 The Reality of Pending Applications
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02:42 Options When Your Application Goes Pending
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05:33 Personal Experiences with Pending Applications
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08:09 Providing Additional Information for Verification
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13:06 Dealing with Denials and Reconsideration Calls
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20:05 Sharing Personal Experiences with Denials
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30:15 Understanding Retention Offers
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38:50 Final Thoughts On Dealing with Pending Applications and Credit Card Denials
Transcript
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| 0:00.0 | You're listening to Points Talk with the Travel Mom Squad, previously known as the Travel Hacking |
| 0:04.7 | Mom Show. Follow the links in the show notes to stay up to date with what the Travel Mom |
| 0:09.0 | Squad has been up to. Have you ever been denied a credit card or had an application go pending |
| 0:14.1 | and wondered what do I do now? Keep listening as we share how to deal with denials, pending applications, |
| 0:20.4 | and calling reconsideration |
| 0:21.8 | lines. Welcome to the Travel Hacking Mom Show. We are three moms who've discovered how to leverage |
| 0:27.8 | credit card welcome offers to get hundreds of thousands of dollars in travel expenses for nearly free. |
| 0:33.4 | We've used credit card points and miles to take vacations to places like Hawaii, Paris, Greece, the Maldives, Italy, and so much more. |
| 0:40.9 | And the best part? We each still have an 800 plus credit score. Imagine being able to book a vacation without having to check your bank account. |
| 0:48.2 | It's totally possible and we're here to show you how. |
| 0:51.7 | Hey, I'm Alex. And I'm Pam, Alex's mom, and I'm Jess. We are travel |
| 0:57.0 | hacking moms. Okay, we know that getting that pending application is no fun, but even worse than that |
| 1:05.0 | is getting a denial. When it first happens to you, it can be completely stressful and sometimes |
| 1:10.7 | hard not to take it |
| 1:11.8 | personally. Trust me, I know that feeling firsthand. On today's podcast, we are also going to cover |
| 1:18.5 | retention offers, which are offers from the bank to get you to keep your card instead of canceling it. |
| 1:24.5 | But first, let's go over what to do when you get a pending application. |
| 1:28.9 | Just start us off. Okay. So getting a pending application, especially with Chase in particular, |
| 1:37.6 | but I know that Barclays often has pending applications regularly as well is really concerning at first. And I think that |
| 1:47.9 | people assume that they get a pending application and that automatically means that they're |
| 1:53.4 | going to be denied. But that is not the case at all, especially with Chase business cards. |
| 1:59.9 | It is super common to get a pending application. |
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