GusGus16
Mouseketeer
- Joined
- Mar 1, 2018
I asked Dh what he thinks, but he'll be busy for awhile. His credit score has gone down quite a bit recently because he's been opening cards (while mine has gone up lol) so I know that might worry him about opening another card in his name.
We can always stay at the Hiltons by Disney Springs when we go to WDW. I don't mind staying at those since we can stay on points. We started driving ourselves to the parks anyway.
We don't have any CIPs close to the anniversary that we could downgrade. We closed the ones that hit one year and the oldest one was opened in April of this year. Do you have to wait until it's close to the anniversary to downgrade?
I would not be surprised if you and DH's credit score goes down with the new mortgage. Nothing to worry about, but like chase's free credit score will site-something to the effect that your current loan balance compared to the total loan is too high (it is complete baloney because this pretty much dings anyone with a new mortgage as it takes years to make enough dent in the payoffs to make a difference). Also I think the new "young" account can decrease the score too. My credit score still has not completely rebounded after my new mortgage about 2 years ago, my previous mortgage was a great help to my credit score when I started churning as it kept the score pretty stable. This is not to deter anyone from getting a mortgage, as I strongly believe it is helpful in regards to your bust out risk.
I might be interested in going for this .I have 2 personal Amex cards , no business Amex. Can I generate a *** through one of them?
Do not use your own link, and I would recommend not using the "r" word on the thread. AMEX has clawed back people who self supported.
Need someone to help me. Apparently my understanding of how to use the contactless in the card isn’t right. I held it up to the card reader but nothing happened. I moved it around and it never worked. CVS had the sign and the girl at the register said just hold it to the top. Well couldn’t get it to work and ended up just inserting the chip since there was a long line at the pharmacy. What am I doing wrong?
Typically my card has to be touching the screen for the contactless to work. I typically just touch the card right above the pin pad and takes probably less than 15 seconds. Seems way less then if you would insert the card for the chip.
With our AP's expiring next month, DH has already said we're not going back to Disney until we can pay for most of it with our CC points. I'd really like to be able to go for 4-5 nights next year at some point, but I only have a Disney Visa that I've had for 10+ years, so I know that those points alone won't get us there anytime soon. I think I've already decided on one of the Southwest cards to help with our travel expenses. What CC's are best right now to earn rewards to put towards lodging and tickets? We like to stay onsite (Swan and Dolphin included,) and usually book through a travel agent (not sure if those bookings code differently when redeeming travel rewards.) I am planning to use new CC's for work expenses that usually add up to 2k-4k a month. A lot of what I've researched online about using CC points for Disney trips seems outdated, so thanks in advance to anyone who can point me in the right direction!
You have already gotten some great infor above. Read through the first couple posts on this thread if you have gotten any credit cards in the last 24 months that may alter our advice.