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

[punkin]

If anyone remembers my DD26 applied for a CIP and got a 7-10 day message. Well the letter came and the want to cerify her address. Problem is she just bought a new house ans is moving today. Her license is still for the old address, she has no bills in her name coming to the new house (her DH set those up). Can I send mortgage documents? Any other ideas?

 

[amcc]

gone are the days of picking up an Amex card, meeting MSR for the bonus, and sock drawering it until it’s time to close it after a year. That will land you on Amex’s naughty list fast, and you’ll be stuck in bonus denial pop up purgatory until you put some (possibly serious) spend on your existing Amex cards. Amex will gladly approve you for cards, but they want to see you putting regular, consistent, and ideally high levels of spend on their cards if you want Amex to keep approving you for new cards with bonuses. Otherwise, they’ll figure you’re in it only for the bonuses and flag you as a “gamer.”

I got my first AmEx - a Plat- and wondering how AmEx sees spend on AU cards. I could use it for some of my 1X category spend, and I will, but my 2 sons are AU and it’s what they use for their expenses. Not huge amounts but some consistency. I wonder if that helps as it took a long time to get back in AmEx good graces and I don’t want to mess up.

 

[WVMomof3]

Thanks for this. Yeah, I did have to call. There was something wrong with my app (2 diff SS #s somehow) and I had to escalate it to avoid having to go to an office with all sorts of documents. Made me pretty reluctant to try again.



That's an interesting idea. My only concern with that is that my app was pending for more than a day last time. If it takes a long time to go through that could be an issue. But this is definitely something I'll consider.



It really is. I can't argue with that. I'll just have to see if I can get up the courage to try again. It wasn't fun the first time around. Also the lower MSR might be good. The other card I've been thinking about is a Citi AA Biz (after reading about Barclay I'm not willing to try for that one). But I'd rather get the MRs than AA miles.

I PCed my CSP in December and the link appears to be working still. It goes to the correct landing page. Nobody ever uses my links so not 100% it will track still, but looks like it might. So if you do go for CIP2 first you may have a little longer to go for the CSP support link.

 

[speedyfishy]

If anyone remembers my DD26 applied for a CIP and got a 7-10 day message. Well the letter came and the want to cerify her address. Problem is she just bought a new house ans is moving today. Her license is still for the old address, she has no bills in her name coming to the new house (her DH set those up). Can I send mortgage documents? Any other ideas?

Bank statements should work too. I think you can go online and change that address immediately.

 

[Judique]

Just checking to see if this site will let me post today. I posted yesterday but it wouldn't stick.

Okay...working now.

I see @Lain changed his avatar....looks better!

And @SouthFayetteFan 's helmet looked like the Starbuck's siren yesterday (to me) but now it's back to normal.

 

[happ]

I interacted with somebody from r/churning today who was following the advice here:

https://www.richmondsavers.com/take-your-family-to-disney-world-for-free-step-by-step-instructions/​

(HONESTLY - I wouldn't even go the site to give them the clicks...my summary is below...LOL!)

The advice they were given from some checklist you download (you have to provide an email to download it so I did not...)

1) Marriott Bonvoy Boundless (you and partner---before LTO expires--it could always go up again or even higher, but this looks like a good offer to jump on if you can) ​

2) Chase Sapphire Preferred (you and partner) ​

3) SW Card (you could potentially skip this and just use UR) ​

4) Barclaycard Arrival Plus (you and partner) ​

5) Capital One Venture (you and partner)​

They're going to basically take you from 0/24 to 5/24 WITHOUT discussing business cards, WITHOUT discussing a SW Companion Pass...and blowing your last 5/24 slot available for 15-18 months on a Cap1 Venture... No mention of using AA miles for Swan/Dolphin or Disney resorts. No mention of on-site Disney resorts period...(they give you 2 hotel options...yes JUST TWO!!

First, you’ll choose between two main hotel options: The Disney Swan/Dolphin or the Sheraton Lake Buena Vista Resort. The Disney Swan and Disney Dolphin cost more points (50,000 per night*), but they are luxuryhotels right on-site and within a short walking distance (or nice free boat ride right out back!) of both EPCOT and Hollywood Studios. The Sheraton Lake Buena Vista Resort costs fewer points (25,000 per night*). It’s just a few blocks away from WDW, and it has free shuttle service and lots of other perks and amenities.​

For flights they don't even discuss airline options and the various airline credit cards...their solution - just get a CSP and use the portal or partners! No mention of the Sapphire Reserve even existing...No mention of determining which airline you fly (i.e. perhaps somebody flying Delta should look into Delta cards...)

Ugh - I know this stuff exists out there but to interact with somebody following the advice is very frustrating. I wasn't even sure where to start in giving this person advice - I just said, this is NOT a good starting point.

Forgive me, but this "plan" is how I started several years ago. I'm embarrassed to admit it. Thankfully, it was just a starting point and led me to keep learning, eventually stumbling on this great group. I made poor decisions early on based on the short-sighted plan that really set me back on future apps. I think the guy that started Richmond Savers is one of the hosts from the Choose FI podcast. I've listened to a few episodes, but knowing the connection makes me wary.

 

[3 DD love princesses]

Chase Question:

I got my CIP in April. How long should I wait if I want to apply for a CSP?

I’d go for CIP 2 on June 6th (3 months 1 day between apps) lately CIP has been giving approvals by the next day if not automatically.
I forgot to decrease my limit on 2 before applying and the 3rd came in highest with 19k. Def going to decrease my limits after I get this bonus.

Worse case if you are denied you go for the CSP. I think the first app is hardest. DH was hesitant and now he was 3 different biz cards.

So lost in all the excitement of the new board today...I forgot to share that we MIGHT be doing Universal in November. My sister wants to go and my wife is coming around to it. And I could finally use a ton of URs to cover two rooms and tickets for 7 (including my parents)!! It would be a short trip, In on Saturday afternoon, out on Tuesday morning with just 2 park days.

We've done 2 Universal trips - 1 at Cabana Bay and 1 at the Doubletree that's walkable to Uni. This trip though, I think we'd want to spring for another on-site hotel AND probably one that offers free Express Pass.

So from what I know that rules out these resorts:
Endless Summer Resort, Universal's Aventura Hotel, Cabana Bay Beach Resort, Sapphire Falls Resort

So that brings us to this list:
Royal Pacific Resort, Hard Rock Hotel, Portofino Bay Hotel

• DISchurner friends - out of those three... any recommendations? Any major differences I should be aware of??

Also just to confirm - you get the Express Pass Unlimited which means you can use it unlimited times on all the participating rides? That sounds pretty sweet - vs. the regular express which it seems is single use...

It's very early stage right now, and my wife isn't fully on board yet...but hopefully we can get there! I did grab SW flights with points for now just to have them

HRH deluxe queen size is 500 and can sleep 5 without any additional fees. Can’t remember the size of your sisters family

 

[StephPlum]

Mine said “Use your card and come back to look for offers” before they started appearing. I only have 3 or 4, not like my CF which has lots.

I figured it was because I didn't use it. Though if there were great offers I would probably use it. They aren't going to tempt me with the possibility of an offer. I have offers on my CF and CSR so not lacking.

 

[Judique]

Does anybody else feel tempted to go out on random threads and just react "angry" to normal everyday comments and see what happens as a prank...lol

................oh...that's just me...yeah I'm strange like that, lol!

At least now we can react 'sad' to someone who loses a loved one or a pet or a job or does not get approved......but I can't find the sad emoji in the list. It may be there - I just stopped looking.

 

[chattadisser]

At least now we can react 'sad' to someone who loses a loved one or a pet or a job or does not get approved......but I can't find the sad emoji in the list. It may be there - I just stopped looking.

Hover over the like button and you'll see several different reactions on there like sad. A few of these will come in helpful for the situation you mentioned.

 

[wendow]

I just did the BBP and it has 10k bonus for $3k MSR. But I got 20k MR for the referral.

Congrats!!! I tried but my dh got the pop up so going to wait.

 

[Lain]

I got my first AmEx - a Plat- and wondering how AmEx sees spend on AU cards. I could use it for some of my 1X category spend, and I will, but my 2 sons are AU and it’s what they use for their expenses. Not huge amounts but some consistency. I wonder if that helps as it took a long time to get back in AmEx good graces and I don’t want to mess up.

I don’t have any proof of this (because the whole theory about the pop up is anecdotal), but I’m going to guess that it helps since AUs charging stuff to your Plat earns Amex swipe fees, and Amex likes to see that spend and will probably attribute that to you (or at least your account).

 

[Lain]

 

[Haley R]

On my phone it doesn't like the wifi and will load with reg data which I hope changes but we have unlimted so I guess it doesn't matter.

@Lain did you change your pick or did the new boards change the color of it? Either way I like it.

Mine’s having trouble with both WiFi and data honestly. Hopefully it’s better today. I’m so tired. I’m actually looking forward to sleeping on the plane lol

 

[Haley R]

Rteetz just shared this on the DIS news/rumors thread: (could be of interest to our group too)

Wanted to tell everyone about a new feature called Bookmarks. On the upper right of a post you can click on what looks like a bookmark or ribbon. Then you can add a tag or message that saves that post. This is a great feature for trip planning and such. Helps to easily find posts. Then on your profile name next to "your account" it says bookmarks which will have all your bookmarks.​

I saw the bookmark yesterday and thought that’s a great new tool! Maybe now I don’t have to copy and save advice to a google doc lol

 

[DisneyMandC]

Finally booked something and got a good deal to do the last three nights needed for my hotels .com free night! DH told me yesterday he wants to go show in PA next month and I found a deal for their Super 8 (which is actually not terrible) to stay two or more nights and get 20% off. The room ended up costing us $55/night for three nights! That took me to exactly ten nights so now I get my free night with them. Went through Ebates for 2% back, and paid in full (for the refundable rate) to go towards DH's Citi AA Biz MSR. Down to $325 left on that card.

 

[3 DD love princesses]

What are trophy points? Just happened to see this after the talk about reactions vs likes.

I miss the Last read button. It keeps logging off and then going to the first message of the thread.

 

[striker1064]

Hmm, so when I briefly cancelled my IHG earlier this month, the $49 AF was refunded, as expected. However, I had a change of heart a couple days later and re-opened the card. Weirdly, the AF hasn't re-posted yet. I know it WILL, I just wonder when. Maybe on June 1, since most Chase AFs tend to post on the first of the month?

 

[Lain]

Hmm, so when I briefly cancelled my IHG earlier this month, the $49 AF was refunded, as expected. However, I had a change of heart a couple days later and re-opened the card. Weirdly, the AF hasn't re-posted yet. I know it WILL, I just wonder when. Maybe on June 1, since most Chase AFs tend to post on the first of the month?

Lucky you! Considering Chase refused to reopen @kmc8826 ’s CIP when she thought she needed it to save her support bonus.

 

[Lain]

What are trophy points? Just happened to see this after the talk about reactions vs likes.

I miss the Last read button. It keeps logging off and then going to the first message of the thread.

https://www.disboards.com/threads/i...-addl-details.3729982/page-1409#post-60655136