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

[FloridaNative8]

View attachment 379575
Here ya go

Oh my word - I LOVE that!! CoP is one of my very favorite attractions, it makes me feel close to Walt

 

[hsmamato2]

I tried 3 times and the answer was "no" for me. No pc and no retention offer. I didn't use the card much after the first few months, so that may have been the issue. One of the reps even mentioned that I had not spent much recently. I closed the card. I have read some dp's of success with a pc, so maybe you'll have better luck. The no fee card doesn't have much going for it though.

ok...then I'll just close it if they don't let me..... I had a very tough time getting them to honor the 10% points back and I'm not going to be using them too much

 

[palhockeymomof2]

Not back yet...we get back tomorrow at 9pm. I was just perusing some things last night on the thread before bed.

Enjoy your last few days with

 

[PolyRob]

OMG, these 3 months of having so much $ in Chase savings better go fast. The interest rate is ridiculous. I earned a whopping $.06.

This is why they have to pay big bucks to draw in new customers. (although I can't imagine the retention rate is very high) I thought of it as a short term ~5% interest rate - where else could I get $200 guaranteed ROI in 3 months? We had another good laugh about it when the 1099 came and it lists 200.28 in interest earned, or something like that; that's just crazy having such a low rate. Unfortunately they are not alone and several others are still .01% ( yep 1 one hundredth of a percent)
I was amazed my bank was doing a full half percent on their savings, and it's still tops around here I think. Still can't hold a candle to online rates but I made a whole $3 last year on the tiny emergency/overdraft balances I keep there. I don't even want to math out how much I'd have to have in Chase to match that

I keep justifying it to myself by combining the checking and savings bonus together. The $600 return on the amount deposited into both accounts works out to be around 3.8% for me. I can get a 6-month CD with a loyalty rate and my primary bank for 2.08% on that same amount. Less time being stuck in Chase at 90 days, but I have to keep that account for 6-months so its kinda similar.

 

[calypso726]

Sooooo what’s everyone getting with these new Dell credits? I’m thinking about headphones, video games, or spending a bit extra and getting a TV for our bedroom.

Hahaha I was looking at that this morning. I could see going for a new camera. DH says I’m addicted to cameras. Whatevs. I was also looking at the headphones or a price match and discount on a new Smart TV since I think our living room one is dead. I haven’t watched tv on there in months and neither has DH so I’m not entirely certain LOL For the foreseeable future it can remain decorative.

 

[DisneyMandC]

All this talk of CoP... I never realized it but my mom told me when we were in NYC that the only other time she'd ever been to New York was when she was 5 years old for the World's Fair. That would have been when CoP was there! I'll have to tell her that when we go to Disney this year.

 

[miztressuz]

AmEx offer for Kimpton Hotels

Spend $300+ get $60 back, expires 5/1/19

 

[Lain]

@Lain - Dave will be at EPCOT's FARTS (<- I chuckle every time) Feb 4-10th. He'll be located between France & Morocco.

SQUEEEEEEEE! @PlanePrincess replied to my post! And only his third post ever!

 

[Lain]

Sooooo what’s everyone getting with these new Dell credits? I’m thinking about headphones, video games, or spending a bit extra and getting a TV for our bedroom.

Is it terrible that I've been wanting to get a drone to take aerial photography?

 

[PolyRob]

Is it terrible that I've been wanting to get a drone to take aerial photography?

Not at all, that's really cool!

It doesn't pertain to me, but can you get a $100 Dell gift card the first half of the year and then use that with the Amex the second half of the year and combine the $200? Or will it have to be two separate $100 min transactions?

 

[striker1064]

Interestingly, DW is still Marriott Platinum from the Ritz-Carlton card. For some reason I had it in my head this was ending 1/31/19. A reddit post frmo today listed 1/31/20. That would be an unexpected perk I'd happily take, especially cause we just booked our 35k free nights for later this year.

 

[SouthFayetteFan]

@calypso726 - just met Merida. Couldn’t help but think of my DISchurner friend with red hair!

 

[Haley R]

Oh my word - I LOVE that!! CoP is one of my very favorite attractions, it makes me feel close to Walt

It’s so cute isn’t it?! I love the old fashioned poster feel it has

 

[Haley R]

@calypso726 - just met Merida. Couldn’t help but think of my DISchurner friend with red hair!

I hope you’re having a good trip!

 

[Lain]

Do you mean you won’t be listing any? Feel free to continue to use - I’ll always pay some taxes to get free money LOL.

I’m probably not going to attempt to earn Hilton pts. via referral anymore though. I don’t have a great use for those so that is wasted tax obligation.

Still coming out ahead even if it is taxed so I’ll continue to self refer. I’m going to be disputing Amex MR valuation at 1 cent per MR and try for .6.

THIS.

My wife won a vacation sweepstakes a few years ago and it was amazing. We knew the winnings would be taxable, but were we going to decline the prize so we didn't have to pay the tax? No way! And we're glad we didn't. When we got our 1099 from the sweepstakes, it had an ARV of about $5.4k, which we thought was more than fair. We had an effective tax rate of something like 25% that year? So basically, we got a 75% discount on an amazing vacation. I call that a win. I think that would resonate with folks who like me who chase down $5 credits or 10% cash back here and there, jump at the chance to win as little as 50 Marriott points, and eek out that extra 1% savings on a purchase, because every little bit adds up.

I know what Amex did sucks. Even more so because referrals are something none of us expected we'd have to pay taxes on. I feel terrible for anyone who gets bumped up a tax bracket or loses eligibility for some credit or program because of the additional income. It particularly burns considering all the other dick moves that Amex has pulled in recent months with the pop ups, bonus denials, and fee increases. And there's good basis for the argument that MR shouldn't be valued at a full 1 cpp, Marriott and Delta aren't 1 cpp, and Hilton certainly isn't worth 0.67 cpp. If you don't want the added tax liability, you can always pull your links and decline the prize. But even if you're taxed 25%, 30%, 40% on MR and Marriott, but maybe not Delta or Hilton, you're probably still coming out ahead, especially if you dispute Amex's valuation or take a deduction successfully.

I hope this hasn't soured too many people from posting their support links, and definitely please keep using them.

 

[Lain]

can you get a $100 Dell gift card the first half of the year and then use that with the Amex the second half of the year and combine the $200? Or will it have to be two separate $100 min transactions?

We'll find out soon enough.

 

[DisneyMandC]

THIS.

My wife won a vacation sweepstakes a few years ago and it was amazing. We knew the winnings would be taxable, but were we going to decline the prize so we didn't have to pay the tax? No way! And we're glad we didn't. When we got our 1099 from the sweepstakes, it had an ARV of about $5.4k, which we thought was more than fair. We had an effective tax rate of something like 25% that year? So basically, we got a 75% discount on an amazing vacation. I call that a win. I think that would resonate with folks who like me who chase down $5 credits or 10% cash back here and there, jump at the chance to win as little as 50 Marriott points, and eek out that extra 1% savings on a purchase, because every little bit adds up.

I know what Amex did sucks. Even more so because referrals are something none of us expected we'd have to pay taxes on. I feel terrible for anyone who gets bumped up a tax bracket or loses eligibility for some credit or program because of the additional income. It particularly burns considering all the other dick moves that Amex has pulled in recent months with the pop ups, bonus denials, and fee increases. And there's good basis for the argument that MR shouldn't be valued at a full 1 cpp, Marriott and Delta aren't 1 cpp, and Hilton certainly isn't worth 0.67 cpp. If you don't want the added tax liability, you can always pull your links and decline the prize. But even if you're taxed 25%, 30%, 40% on MR and Marriott, but maybe not Delta or Hilton, you're probably still coming out ahead, especially if you dispute Amex's valuation or take a deduction successfully.

I hope this hasn't soured too many people from posting their support links, and definitely please keep using them.

I totally agree with you. I'll use an SPG link for DH when I apply and will continue to use links for MR cards from others in the future. I just won't use Hilton to self refer and, like you, don't see the value in Hilton at .67. The point valuations with them are all over the place and I can't ever quite put my finger on whether their points bookings are worth it lol.

 

[SouthFayetteFan]

THIS.

My wife won a vacation sweepstakes a few years ago and it was amazing. We knew the winnings would be taxable, but were we going to decline the prize so we didn't have to pay the tax? No way! And we're glad we didn't. When we got our 1099 from the sweepstakes, it had an ARV of about $5.4k, which we thought was more than fair. We had an effective tax rate of something like 25% that year? So basically, we got a 75% discount on an amazing vacation. I call that a win. I think that would resonate with folks who like me who chase down $5 credits or 10% cash back here and there, jump at the chance to win as little as 50 Marriott points, and eek out that extra 1% savings on a purchase, because every little bit adds up.

I know what Amex did sucks. Even more so because referrals are something none of us expected we'd have to pay taxes on. I feel terrible for anyone who gets bumped up a tax bracket or loses eligibility for some credit or program because of the additional income. It particularly burns considering all the other dick moves that Amex has pulled in recent months with the pop ups, bonus denials, and fee increases. And there's good basis for the argument that MR shouldn't be valued at a full 1 cpp, Marriott and Delta aren't 1 cpp, and Hilton certainly isn't worth 0.67 cpp. If you don't want the added tax liability, you can always pull your links and decline the prize. But even if you're taxed 25%, 30%, 40% on MR and Marriott, but maybe not Delta or Hilton, you're probably still coming out ahead, especially if you dispute Amex's valuation or take a deduction successfully.

I hope this hasn't soured too many people from posting their support links, and definitely please keep using them.

Yep! I’m just going to make sure I only post links from programs that are worth it (ie MRs and my Blue Cash)

 

[SouthFayetteFan]

I hope you’re having a good trip!

Thanks - you as well

 

[DisneyMandC]

Sitting here paying bills and moving money around this morning. Moved $2000 from our Ally account to pay DH's CSP where I funded PNC. He gets the payment email and texts me "omg do we have a $2000 bill for our credit card?!" Lol, first of all we have like 12 credit cards. Secondly, no we don't really "owe" anyone $2000, I'm just moving money around from one account to another through your credit card.

Now he's texting me about how he got an email for the Starbucks credit card with no AF and how he really wants it. I texted him back that no matter how much I love Starbucks as well, 4500 stars was an unhealthy amount of Starbucks and no one needed that much. Then I texted him "do you want free vacations or free Starbucks?" His response- "Both."