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

[*WDW*Groupie*]

On CIP, yes.

Of course it happens when I have a $5,000 MSR to meet for my new Bonvoy card

 

[Lain]

@Lain any DPs on Venmo?

DPs of recent Venmo payments in yesterday's thread say no -- only 1x.

 

[Natgridenergy]

Just to add that my Plastiq payment hasn't posted yet, but I'm seeing additional points pending in the amount of my Plastiq payment x3. Looks good.

Same here, not posted but pending as 3x.

 

[kidsfirsttrip]

DPs of recent Venmo payments in yesterday's thread say no -- only 1x.

Boo well that would have been too good to be true!!!!!

 

[Haley R]

Did you get 75k URs for your mortgage? They keep sending me that offer. Our current mortgage is with Chase, but only because they bought it.

They are giving us 75k URs after the close. That doesn’t help us fly down though unfortunately.

 

[Lain]

They are giving us 75k URs after the close. That doesn’t help us fly down though unfortunately.

Always be MSRing.

 

[Haley R]

Anyone travel long distances with cats before? It would be about a 20 hour drive to our new house. I’m really considering driving rather than flying but that’s a long freaking drive with 2 cats.

 

[georgina]

My DD20 app'd for the Marriott card and was denied. Reasons included too much credit extended (she has a Discover 2018 and a university credit union visa 2017, AU on my Capital one and CF) and credit score 763.
Maybe SW is easier?

Not in our experience. But my DD did not have any cards on her own, she was AU on 2 of ours when SW denied her (and she was interning for Google and making a good salary). Then she got out of college and was making a huge salary and Citi double cash denied her. She has a Capital One Quicksilver and the fee-free Savor for now. She does not have much credit history and her current private landlord does not report rent payments to credit bureaus.

 

[Haley R]

Always be MSRing.

We’re almost done with our CIP MSR but I don’t want to open a new card before we leave for Japan.

 

[Calfan]

Anyone travel long distances with cats before? It would be about a 20 hour drive to our new house. I’m really considering driving rather than flying but that’s a long freaking drive with 2 cats.

My husband drove from California to Boise with our two cats (about 10 hours). It sounded pretty hellish. If he didn't dislike flying so much, I think he'd choose not to drive with them if he had a do-over. He did get something from the vet to relax them, but it was pretty much non-stop meowing for the drive and quite a bit of poop to clean up....

 

[striker1064]

Anyone travel long distances with cats before? It would be about a 20 hour drive to our new house. I’m really considering driving rather than flying but that’s a long freaking drive with 2 cats.

We drove about 20 hours when we moved across the country with both our cats. We stopped one night in between at a pet-friendly hotel to give them (and us) a break. It was a long drive. We got a prescription for kitty [insert banned anti-anxiety med name here???] - one cat took it and mostly slept, the other cat refused to take the pill and meowed/whined the entire time. Cats get carsick/motionsick, so the meowing is a manifestation of that nausea. We put both in cages so they wouldn't be crawling everywhere while we were trying to drive, and had a litter box for them to use when we made pit stops (they never used it).

It was a long, long drive, but they - and we - made it. Remember that if you opt to fly them, airlines now require that they not be sedated. It's going to be tough on them but easier on you. It's your choice.

 

[kandb]

Ok...just applied for CIP for DH. No instant approval. Hoping for the best.

I applied for CIP two days ago after sending a referral from my dh's card and I was not instantly approved but called the chase phone number the next morning and it said I was approved. Waiting for the card.

 

[Lain]

Another Hyatt option to consider for your trip to Japan, @DisneyMandC: https://www.reddit.com/r/churning/comments/bk75uj/discussion_thread_may_03_2019/emf73sk

 

[Alexle2007]

I won't even get into the ridiculous call I had with them to set up DH's account a few days ago. What a nightmare!

On another note, I got my Paypal money back!!!!

And I sitting here like when in the bleep is my card going to arrive....

 

[SouthFayetteFan]

Guys - I'm officially in the Plastiq game. Signed up (via a DISchurners link of course - & PMed that person) and made a $500 add'l principal payment on my mortgage.

A few additional notes:

• In addition to the "support" offer of $500 FFD after paying $500 in bills, I also was offered $50 FFD just for signing up
• So on my initial $500 payment, I got the 1% MC promo discount (it does show up as a "promo" by the way) and the $50 FFD so it only cost me $6.75 to make this $500 payment.
• Then once the support offer posts, I'll make another $500 pmt for $0 in fees! That will make a dent in my CitiBiz AA MSR

EDIT: My $500 FFD already posted

The rest of my plan then is:

• Have my wife signup using my link
• Repeat the same process above for her (hopefully paying $1,000 towards the mortgage for only $6.75)
• I'll also earn another $1,000 in FFD from her signup and we'll pay that too...
• This really seems too easy...$3,000 in MSR towards my mortgage for $13.50.....WOW!

Anyways - figured I'd share for anybody on the fence about using Plastiq! Of course, since paying a mortgage is kosher with MC it makes this so easy (until my mortgage is gone here pretty soon though)

Well that Plastiq mortgage payment was easy - PNC didn't apply it correctly so I did have to make a quick 15 min. phone call to get that straightened out. I wanted that one handled before I did it again so I'm on step two of my plan to make the 2nd $500 pmt for $0 in fees. Just completed that now

My Citi AA Biz #2 is now down to just $1k left in MSR!

Overall I'm impressed with how Plastiq works. I have VERY limited use for it as my mortgage could be gone by the end of the year. Do you think I could use it to payoff a HELOC? I seem to recall reading about people doing this. I could just borrow $2k on my HELOC, immediately pay it off with an AA Biz, And pay < $3 interest and $50 in Plastiq fee for my 40k AA miles (hopefully 60k after the match)...

 

[Lain]

Overall I'm impressed with how Plastiq works. I have VERY limited use for it as my mortgage could be gone by the end of the year. Do you think I could use it to payoff a HELOC? I seem to recall reading about people doing this. I could just borrow $2k on my HELOC, immediately pay it off with an AA Biz, And pay < $3 interest and $50 in Plastiq fee for my 40k AA miles (hopefully 60k after the match)...

Yes, folks were hitting this hard as a way of MS/hitting MSR.

 

[SouthFayetteFan]

Yes, folks were hitting this hard as a way of MS/hitting MSR.

Thanks - I remember reading it but it meant nothing to me at the time. That could be my easy path to hitting 8 AA Biz MSRs a year...

Basically I'd get 500,000 AA Miles (250k per player) *assuming match still works and get $2,000 in AA gift cards (or ~$1,600 in cash) for about $400 in transaction costs... And then I could just devote my regular spend to Chase cards (ya know, like each of us maybe getting 4 CIPs a year) ...

I'm gonna be super sad if these loopholes close up, lol!

 

[AmyAnne]

Anyone travel long distances with cats before? It would be about a 20 hour drive to our new house. I’m really considering driving rather than flying but that’s a long freaking drive with 2 cats.

My husband drove from California to Boise with our two cats (about 10 hours). It sounded pretty hellish. If he didn't dislike flying so much, I think he'd choose not to drive with them if he had a do-over. He did get something from the vet to relax them, but it was pretty much non-stop meowing for the drive and quite a bit of poop to clean up....

We drove about 20 hours when we moved across the country with both our cats. We stopped one night in between at a pet-friendly hotel to give them (and us) a break. It was a long drive. We got a prescription for kitty [insert banned anti-anxiety med name here???] - one cat took it and mostly slept, the other cat refused to take the pill and meowed/whined the entire time. Cats get carsick/motionsick, so the meowing is a manifestation of that nausea. We put both in cages so they wouldn't be crawling everywhere while we were trying to drive, and had a litter box for them to use when we made pit stops (they never used it).

It was a long, long drive, but they - and we - made it. Remember that if you opt to fly them, airlines now require that they not be sedated. It's going to be tough on them but easier on you. It's your choice.

We've made 2 12-hour and 1 15-hour road trip with two cats. The 15-hour trip we stopped overnight. Cats together in one large pet crate; we found that covering it with a blanket so they couldn't see out actually seemed to relax them. The first trip we had a litter box and made a few rest-area stops to see if they would use it, but they never did. Only one "accident" which we handled by just tossing the old towels we had put in the bottom of the crate and replacing with "new" old towels. Not any worse than a long road trip with young kids! And I'm not sure flying with cats would be better--from what I understand, they need to be on leashes and out of their crates to go through security. Plus I think my cats would be way more distressed by being in the airport than in the car.

 

[Disneyonmymind]

Just to add that my Plastiq payment hasn't posted yet, but I'm seeing additional points in the amount of my Plastiq payment x3. Looks good.

I am so glad to see the news about plastiq and CIP!! I am going to hurry and pay my property tax to finish off my CIP MSR before they take the 3x away again.

 

[WVMomof3]

Overall I'm impressed with how Plastiq works. I have VERY limited use for it as my mortgage could be gone by the end of the year. Do you think I could use it to payoff a HELOC? I seem to recall reading about people doing this. I could just borrow $2k on my HELOC, immediately pay it off with an AA Biz, And pay < $3 interest and $50 in Plastiq fee for my 40k AA miles (hopefully 60k after the match)...

Interesting. Never thought about this. My mind does not work that way! Now I wish I would have done that to get the $10,000 fee free. Of course I just lowered my $9k credit limit yesterday to $2k in anticipation of getting CIP #2.