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

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I’m no fan of snow but I’m fairly certain I would trade you the 96 degrees I walked out into after seeing Endgame this afternoon for some snow given the chance. We’re running 15 degrees above average in central CA right now. Fingers crossed it’ll spread to the rest of you, you could actually use it!!
While I would prefer no snow this late in April, I would still rather have it than 96 degrees. At least with cold, I can bundle up and tolerate it. At 96, there’s only so much clothing you can take off before getting arrested.
 
Correct, upgrading wouldn't count against that for your CIP. But I also think your AU card doesn't count towards the 5 credit card limit. It should just be card accounts in your name, and only the credit ones

IIRC up until a year or so ago AU's were not being counted towards the Chase 5/24


but about a year ago AU's started being counted towards the 5/24 policy

When folks were told the Card was denied because of 5/24 people asked to have

the AU removed and were then approved . now-a-days the mention of a AU people

quote that
a 5/24 includes AU's

I noticed this being shared since it was a stat I was following because of


a change in a DP
 

IIRC up until a year or so ago AU's were not being counted towards the Chase 5/24


but about a year ago AU's started being counted towards the 5/24 policy

When folks were told the Card was denied because of 5/24 people asked to have

the AU removed and were then approved . now-a-days the mention of a AU people

quote that
a 5/24 includes AU's

I noticed this being shared since it was a stat I was following because of


a change in a DP
FYI - this wasn't a discussion about Chase 5/24. This was actually a discussion about the AMEX 5 Credit Card limit (you can only have 5 CCs open with them at a time). I can see how one could misunderstand that though since we devote so much time to discussing Chase and 5/24 around here.

At any rate, @miztressuz seemed to provide great commentary in this particular situation :)
 


IIRC up until a year or so ago AU's were not being counted towards the Chase 5/24


but about a year ago AU's started being counted towards the 5/24 policy

When folks were told the Card was denied because of 5/24 people asked to have

the AU removed and were then approved . now-a-days the mention of a AU people

quote that
a 5/24 includes AU's

I noticed this being shared since it was a stat I was following because of


a change in a DP
Sorry for the confusion! I can see where that train derailed since we were discussing both Chase 5/24 (as in taking an upgrade on an AmEx card to avoid going over) and Amex's 5 credit card limit... too many 5's ! What an arbitrary number they both picked. It all made sense in my head as I responded in order but I see now how that could be misleading when I shifted gears like that. Good of you to make that point, which is correct last we heard, in case I was crazy :crazy:
 
Well...at least for now, it appears AA miles for Disney has been dealt a major blow...

The new specials have not made it into either AAvacations.com OR useAAmiles.com - I'm going to use my scenario above for this illustration:
8/11 - 8/15 @ Yacht Club can be booked for 241,700 AA miles on AAvacations and 266,200 AA miles on useAAmiles.com. Of course you'd take the AAvacations option so let's stick with that.

Before specials came out this room cost $2,160 so the 241,700 miles would give you a 0.89cpp valuation on your AA miles. (And while we weren't excited about that...we were ok with it.)

NOW though, that room could be booked for $1,620 on a 25% discount BUT it's still 241,700 miles. So you're now only getting 0.67cpp value on your AA miles.

What does this all mean...I'm not really sure. It means different things to different people. It's certainly NOT a good thing. IF you were planning to book a room category or resort that offered little or no discount, you probably don't mind this too much. If you were hoping to take advantage of a discount, this is a bad thing.

For those that care, here's my conclusions: (Let me point out that these thoughts ONLY matter to people who are chasing AA miles for Disney hotels. If you use AA miles to fly they are MUCH more valuable to you and ignore my rambling here)
  • First off, AA personal cards aren't worth it for me. I didn't think they were before but with these continued issues with AA miles it makes it that much clearer. I don't need these miles to fly and my 5/24 slots are too valuable to waste on AA cards.
  • As long as the multiple AA Biz offer is open, I'm hammering that all day, everyday (and what I mean by that is every 95 days)! The dummy booking offer with a $2k MSR is great. 40,000 AA miles + $200 cash from a Raise sale...YES PLEASE! I know I can always cash those AA miles at 0.4cpp for Disney or Target gift cards and I get a 10% return right off the bat for selling the gift card. Gimme a match and it makes it that much better!
  • Now...I should point out that I'm having no issue hitting MSRs on other cards. I'm actually using the biz grAAvy train to slow my roll with Chase. I'm shutout of AMEX because of popups and the fact that I've gotten virtually ALL of their biz cards. Where else can I turn but Citi? If I was having to choose between CIC, CIU, CIP, CIP2, etc. and Citi Biz...I'd absolutely stick with Chase. I'm not choosing, I'm doing both, I'm having my cake and eating it too, lol.
  • I'm still planning to use my stash of AA miles on Disney resorts. I'm looking at a Yacht Club / Contemporary split stay and I am NOT factoring in any discounts and think I can attain enough miles to cover my whole week. If for some reason the hotels option falls apart, I can cash out for $2,000 in Disney Gift Cards and would cover almost half of my resort cost.
I've obviously spent A LOT of time thinking about Disney Resorts with AA miles. If anybody is sitting there wandering what they should do with this whole situation, feel free to PM me. @wendow and I have traded many a message strategizing for our respective trips and I'd say it's been beneficial to both of us.

At some point I'll get the mental energy (i.e. anger) to call AA and try to rectify this. But it seems their contract with Disney has changed and I don't expect positive results...
I’ve been so discouraged that the new Disney RO discounts have not been reflected at AA. First we lost tickets and dining plan, then the value resorts and now any promos. I’m trying to wrap my brain around what to do next. I can only sit around being sad for so long and then it’s time to come up with ...plan D??
 
I’ve been so discouraged that the new Disney RO discounts have not been reflected at AA. First we lost tickets and dining plan, then the value resorts and now any promos. I’m trying to wrap my brain around what to do next. I can only sit around being sad for so long and then it’s time to come up with ...plan D??
Yeah it’s kind of sad. I was actually able to use some of my AA miles for flights in the fall. Cashing out MRs for Schwab and using that?
 
Totally off topic...but I had a major fail tonight...

We had to get a portion of our gas line replaced so I had moved our Disney Lego Castle (you know the 4,080 piece one https://shop.lego.com/en-US/product/The-Disney-Castle-71040) off of our basement fireplace to allow access. I go to move it back...and the top starts to topple over...and in trying to catch it I probably only make it worse...BAM, it hits the floor of the laundry room and breaks into 200ish pieces.

What's a dad to do at 1:30am...lookup a PDF of the instructions and get to it. So yes, I just spent the last hour reassembling the castle...AND I SUCCEEDED!!! :) I'm done with legos for like a year now, lol. Crisis averted...and I'm tired, so it's off to bed for me!
 
FYI - this wasn't a discussion about Chase 5/24. This was actually a discussion about the AMEX 5 Credit Card limit (you can only have 5 CCs open with them at a time). I can see how one could misunderstand that though since we devote so much time to discussing Chase and 5/24 around here.

At any rate, @miztressuz seemed to provide great commentary in this particular situation :)

Sorry for the confusion! I can see where that train derailed since we were discussing both Chase 5/24 (as in taking an upgrade on an AmEx card to avoid going over) and Amex's 5 credit card limit... too many 5's ! What an arbitrary number they both picked. It all made sense in my head as I responded in order but I see now how that could be misleading when I shifted gears like that. Good of you to make that point, which is correct last we heard, in case I was crazy :crazy:

oops I see it now

:fish:



 
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Can someone explain to me how to push money from PayPal to my bank acct if trying to use it for a direct deposit? Do I need a different version of PayPal?i just have the old, original PayPal. I have searched 100 times and see nothing on there about transferring. I also see that I need to add money to my balance but I don’t have a balance and don’t know how to go about getting one?
 
Any IRS experts out there? The small check I had to send them cleared yesterday. I mailed my return on April 15, so 15-26 to cash my check. Does that mean they've actually processed the return? Or do they just open this stuff and grab the cash, lol?
 
While I would prefer no snow this late in April, I would still rather have it than 96 degrees. At least with cold, I can bundle up and tolerate it. At 96, there’s only so much clothing you can take off before getting arrested.
We only drove two hours away from home to fly out today but thank goodness we did. Here we’re only supposed to have rain but back home the forecast has changed to 4-6 and possibly 8 inches of snow.

I basically got no sleep but I feel like that’s how it usually goes when we fly somewhere. I couldn’t fall asleep and then Dh decided to wake up at 5:30. I’m one of those people that when I get woken up, I’m up for the day. I can never go back to sleep
 
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