I love credit cards so much! v2.0 (see first page for add'l details)

[pillow]

Old news but this is one of the reasons I prefer to stay with my kid on flights.

https://www.abc15.com/news/national...was-removed-from-flight-without-her-knowledge

I'd probably end up in jail if this happened to us . . . I would go ballistic on the plane if I found that one of my kids had been removed without my knowledge. Hard to believe this actually happened.

 

[hsmamato2]

P1
CF
CFU
Disney
CSR
IHG
SPGBiz
Hilton Biz
Hilton
SW

Amex Hh AU (sigh) 5/17 1/24
IHG 7/17......………………...2/24
BCE (au sigh) 8/17...…...3/24
Jetblue 1/18...……………...4/24
Discover 2/18...…………….5/24

P2
CF x2
CFU
IHG
Disney
SPGBiz

AmexHh(au)5/17 1/24 [how are you both AU's on the 5/17 card? is this someone else's card?]
BCE 8/17...………..2/24
SWA+ 11/18...…..3/24
*SWABiz 11/18....3/24
AmexHh 12/18.....4/24
*CIP 1/19...……...4/24
WoH 1/19...……….5/24
BarcAA 2/19...…..6/24

So P2 is out of the Chase game until after Aug it looks like. If trying to keep him around 5/24 to go back to Chase then try for the Hilton Biz at some point? I only see 4 AmEx cards so could max him out but it gets you Hilton points while waiting to hit Chase again. Otherwise, hit the Hilton Biz (don't forget to cross or self support!) and board the AA train and don't look back. (well, for a year at least)

If you can do another 5k spend I'd definitely do your CIP next. You've had a long break from Chase so that makes sense. And then since it's you're turn for the SW CP next you could chill while cards drop off and space out a Chase business card run before you're due in late 2020. If P2 boards the train I'm sure that will keep you busy for a while. It's tempting to try for a AA biz card while waiting the last few weeks until June, but since you can't combine AA miles, would that be worth it? Would you use the miles on flights?

If you can't wait that long (out of an MSR now) could see if P2 gets approved for a Citi AA Biz. You can find an offer for the spend you'd like to hit and it wouldn't affect his 5/24. Not sure if it's better to try for the Hilton Biz now so close after the Hilton card in Dec or worse. On one hand you could have more recent spend counting for you, on the other hand, it is so close to when he got the last bonus it might count against you. Won't know until you try and see if you get the pop up or not.

If you goal is Disney it's not a bad circle to run in, the three options you mentioned. Outside of that are cards that erase the Disney ticket purchases but I don't think there's Biz versions of those that don't report to your personal CR so you'd jeopardize your 5/24 stats. Unless someone's remembering a card I forgot? Maybe one of the BoA cards?

thanks!

 

[have2getaway]

I would think you could PC the Disney visa to the one with no AF.
You can PC the CSP to one of the freedoms after the AF hits. I agree most don't need both that and the CSR (past year one anyway).
I would avoid closing your oldest cards as that would effect your ave age of accounts.

If I have a couple Chase cards that are 10+ years old and I close one that is 2 years old, would that affect my credit? Also, is a credit reduction ever helpful?

 

[have2getaway]

I would keep the no fee Disney cards and Amazon cards just lower the credit limits since you do not use them...
If the $49 Disney card is newer I would cancel it.

We also have a CSR and CSP between DH and I....we plan to keep the CSR and will either PC his CSP to a CSR or CF after 1 year...depends if we decide to get global entry or not

The Disney cards are all about 2 years old, which are much newer than my 10+ years old Marriott and Amazon cards. Is that new enough to cancel?

 

[have2getaway]

Chase will put a note on your statement 2 months ahead of the AF charge stating the date it'll be charged. Even if you have a $0 balance, they'll cut a statement to send you that note so just check the statements each month. In practice they charge the AF the first of the month following your anniversary date. My CSR/CSP anniversaries are this month so I'll get the fees on May 1 (and I got the notice last month about it).

If you downgrade the CSR to a CSP you will get the lower $95 fee. The first AF is only waived for new card applications, it was part of the sign up offer. You can also downgrade to a CF or CFU instead for no fee if you already have a CSP.



Unless they cause you anxiety, I wouldn't close the no fee Disney or Amazon cards. They aren't really hurting anything keeping them. If you don't use them you can reduce the CL on them to free up available credit for new cards. Just put a charge on each once a year to keep them active and let them help anchor your age of accounts. The Disney Premier card you could cancel if you won't be continuing to use it to the fullest. You can always PC one of your no AF cards back to it if needed and even sometimes Chase sends out offers to do that with a statement credit to offset the AF. EDIT: Forgot to say, if you stay under 5/24 you could always reapply for the bonus after 24 months too.

As for the keeping the CSR or CSP, there's a few strategies for that. Like the Disney Visa, if you have a 10k CL on a CF/CFU/CSP you can PC back to a CSR when needed (likewise to a CSP if you have a 5k CL). So unless you need to transfer UR's to DH's FF/Hotel account, you could probably downgrade his CSP while you hold the CSR and then evaluate what you'd like to keep going forward when your CSR comes due.

This all makes sense. I guess where I get confused is won’t I eventually have too much debt for my income and will either be denied new applications or have to request my CL be reduced?

 

[have2getaway]

Well, so far they are keeping their word. It stated it'd be charged on May 1, anniversary was 4/16 and no charges so far. That's how it worked for my CSR last year as well. Double dipped on 4/16, CSR AF posted on May 1. Both March statements showed the message that it'd be charged on May 1. I guess it's good to keep an eye on your statements to look for the date.

What does it mean to double dip? I’ve heard that term a few times, but still don’t understand exactly how it works?

 

[brownhaired_girl]

Just landed for 13 day visit with the mouse.

 

[have2getaway]

I think diversity is more beneficial, but I can see a point if you spread yourself too thin where you don't have enough points in any one program to make sense. For us we did IHG and Marriott and, for the most part, where we couldn't find a Marriott that worked with our plans we could find an IHG and vice versa. In the last 7 or 8 years it's been rare that we stayed somewhere outside of that. However, in the last year or so, where we were headed Hilton's have popped up that were a better fit for our plans so we branched out and added them into our portfolio. Worked out perfectly for our Alaska trip later this year as there's a Hilton property right by the train station we're using whereas most other hotels are several blocks away. We're catching an early train, after getting in very late, and we're not morning people at all so saving that extra travel time is worth it. Best part since we jumped on a Hilton CC offer, we had enough points to cover the night

However, if the Chase travel portal has a decent selection of hotels and you're not interested in any status perks of a program, then sticking with UR can be flexible enough to work with that. I feel that if you don't have a particular future need it's not a bad thing to build up what you have before branching out. But don't let that stop you from picking up something specific that will help with a particular goal.

Thank you! This is exactly what we were thinking. We were concerned with spreading ourselves too thin, but also wanted more flexibility—as you mentioned. Just out of curiosity, between IHG or Marriott, which brand do you feel has offered the better deals? I ask only because I am a Hilton Honors Member and have used points a couple times, but found it was much more difficult to have the number of points needed to secure multiple stays. We have IHG rewards as well, but also never managed to build up enough points to use them. That said, Marriott is the only hotel card we’ve ever taken out where we received a MSR.

 

[WVMomof3]

Hope all of our Denver peeps are OK. That looks like a pretty horrific accident on I70 yesterday. I always get so nervous being stopped on the Interstate and looking behind me to make sure no one is going to crash into us.

 

[afan]

This all makes sense. I guess where I get confused is won’t I eventually have too much debt for my income and will either be denied new applications or have to request my CL be reduced?

Since I'm assuming you aren't carrying balances you aren't talking about debt but credit limits. Debt would be a balance on the card while the credit limit that you do want to watch is what's availabe to you.

You can lower thrm any time you think the CL is too high or you can wait until collectively they get to high and then lower them. It all depends on how you want to do it.

 

[palhockeymomof2]

The Disney cards are all about 2 years old, which are much newer than my 10+ years old Marriott and Amazon cards. Is that new enough to cancel?

You could cancel them since the others are older...I keep mine to use for Disney discounts

 

[palhockeymomof2]

Just landed for 13 day visit with the mouse.

Have a great time !!

 

[WVMomof3]

Well, so far they are keeping their word. It stated it'd be charged on May 1, anniversary was 4/16 and no charges so far. That's how it worked for my CSR last year as well. Double dipped on 4/16, CSR AF posted on May 1. Both March statements showed the message that it'd be charged on May 1. I guess it's good to keep an eye on your statements to look for the date.

MY CSR did charge on 01/01 it was my CSP I thought charged earlier. I just went back and looked at the prior statement and it did say it would be charged on 1/1/2019. So weird. I really thought the fee had posted before I PCed it. So I guess i did it before the fee ever posted. Oops. Well, it was definitely a year old and they let me do it, hope it was OK I actually did it a few days before the fee posted. I think I was just anxious to spread out my PCing 2 cards too close together.

 

[amcc]

Yikes. Is this for all flights booked through the Chase portal with URs? Asking because I definitely would want to pick my own seat.

That’s good! When I booked it was a little over a year ago and we were never able to pick seats on the app etc so it sounds better now. JB being JB they were great and made sure I was with both my kids and put DH a row up in an aisle. We were in the very last row but didn’t care.
Now delta was a totally different story! Separated us but we worked it out when we got on the plane.
I think since you picked Blue plus you are set for bags. Even if you had the ability to get the free bag sounds like you got the better deal. Plus I wonder once you link the Ressie it might give it to you

Delta was the worst. Wouldn’t put my DS11 with an adult. Put me in last row with DD8 and hubby way up in front. Luckily someone in my row switched with DS thank god.

I’ve booked travel 3X with Chase and each time I’ve been able to take the confirmation number and purchase seats on the airlines (if they allow it). THis summer, we opted not to use Delta for flights because it seemed that their basic basic economy has no way to purchase seats. Now, we are on AA/BA flights and I have seats for all 4 legs - purchased through the respective websites.

 

[palhockeymomof2]

This all makes sense. I guess where I get confused is won’t I eventually have too much debt for my income and will either be denied new applications or have to request my CL be reduced?

I reduce the CLs on Chase cards we don’t use often...my Disney and SW Priority both have $1k CLs..and keep my CSR and CFU at $10k....for business cards SW, CIP, and CIU are at $1k, CIC is $3k...

 

[georgina]

We had no trouble getting regular economy on Delta so we could pick seats when using Chase UR's (have done it twice now). We haven't actually flown on those flights yet, so hopefully the seats will stick.

 

[LuckyMamaInDE]

Just landed for 13 day visit with the mouse.

kinda jealous, to be honest

 

[kmc8826]

On the subject of closing and/or PCing Cards, are most people closing or PCing their CIP #1 before going for a second one? DH’s AF hit April 1 and I am paralyzed with indecision on what to do with it. If I close it before May 1 will they just reverse the AF? And I can do that through SM? That may be easiest since he doesn’t really want to call. He has a CIC already and was planning to get the CIU but it seems like it may be smarter to go for a new CIP instead. This hobby gives me anxiety, lol.

You can just get on and secure message to close it out. They will refund the AF. Don’t be anxious.

I got an email that I have a Lyft promo for 25% off all rides through May 7th. We'll be at WDW starting May 3rd so I'm hoping this includes Minnie Vans. I think I could justify an extra Minnie Van or two if we got 25% off plus the Discover It bonus!

I don’t know; since Minnie Vans are right on the app I would think it would work. Report back though. We are going in a couple weeks and I have decided for once to not rent a car.

 

[have2getaway]

Since I'm assuming you aren't carrying balances you aren't talking about debt but credit limits. Debt would be a balance on the card while the credit limit that you do want to watch is what's availabe to you.

You can lower thrm any time you think the CL is too high or you can wait until collectively they get to high and then lower them. It all depends on how you want to do it.

We do not carry balances. We pay in full each month, even with our CIU, which has a 0%. Does it hurt our credit to request a credit reduction? We have way more than we could ever possibly use.

 

[have2getaway]

You could cancel them since the others are older...I keep mine to use for Disney discounts

TY! I want to keep at least one for this purpose.