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

[Albort]

@Albort how did your Yellowestone trip go?

it was fun! thanks for asking! we did had quite a worrisome trip back though.

 

[miztressuz]

Second part of MDD completed. They did ask if I wanted to consider any additional income. Told them No. and instant approval with $23000 cL.
Thankyou so much for the help. Now to meet those spends.

Congratulations! Double dance

 

[mamathompson]

See I don't want to get going on the pros/cons here of current medicine but the shingles are now prevalent in a way that was unheard back in the day when people just caught chickenpox 'in the wild' and usually as children. I know people in their teens getting shingles now.

This is true. I read somewhere that being continually exposed to chicken pox after you had them (in the days when everyone got them as a child) acted like a booster to immunity helping to reduce the chances of shingles. I don't know how true that is, but it makes some sense in the light of less chicken pox/more shingles happening.
My sister had shingles at 12 . She had mono though so her immune system was tanked, it was terrible.

 

[afan]

See I don't want to get going on the pros/cons here of current medicine but the shingles are now prevalent in a way that was unheard back in the day when people just caught chickenpox 'in the wild' and usually as children. I know people in their teens getting shingles now.

Part of it is stress and people are getting stressed out at way younger ages than we ever did. So with that being part of shingles it doesn't surprise me that people are getting it at much younger ages. Which is why it annoys me you can't the shingles vax covered by ins at a younger age.

 

[amalone1013]

Trying to consolidate all of our URs onto DHs CSR and keep getting errors

 

[Haley R]

Dh’s CIP3 and my employee card just got here!! We have license plates to get today and a termite bond tomorrow that’ll help with that MSR. I went back to check the time between his CIP2 and CIP3 and it was exactly 90 days. Idk how that happened. I actually didn’t even check before I applied because I for some reason thought it was 30 days.

His CSR is coming up on one year soon so we’ll probably book a refundable Disney hotel to double dip the travel credit. I haven’t looked at the freedom and FU to decide which one we’ll change it to. We won’t have a CSR anymore but I’m okay with that

 

[miztressuz]

Remind me...
AF posted for CSR yesterday and statement closes today. I have until when to spend the $300 TC (which should be reset tomorrow) and downgrade? I can't decide between Freedom and FU. I have a Freedom already and we just hit the max quarterly on it with a few weeks to spare, though I could have tried harder.

And, how does that work, I should book a refundable SW ticket, wait until it credits and when should I cancel that?

If cancelling it you have 30 days from AF to get a refund, for PCing it, you have about 40 days to PC for a full refund, after that it's prorated.

 

[PolyRob]

Trying to consolidate all of our URs onto DHs CSR and keep getting errors

Are you using the daisy chain method where you only transfer between two cards with each group of points until they end up where you want them?

 

[platamama]

@gottalovepluto Quoting something you said back in September 2018: Also time to remind everyone to drop your Citi limits to $2k before closing the cards. My first card was closed with $11k limit as I didn't know better and Citi has approved me for smaller limits each time despite my closing cards and dropping limits. Last card was around $6k, this card was around $4k... I'm worried my days of auto-approval for easy AA miles may be coming to an end

Do you still do this? How long do you wait between decreasing the CLs and closing the card? I'm getting ready to cancel one of DH's CitiBizAA cards before the AF posts.

 

[platamama]

They stack. Spend $500, that’ll qualify you for both the $500+ and $300+ offers, and you’ll get both $100 and $60 statement credits. Good deal!

That is awesome!

 

[Alexle2007]

D

 

[alryan]

Churning mistake for me this morning. All my reducing credit limits backfired. Only had $7500 on CSP so didn’t have the 10,000 needed to upgrade to CSR. I barely have enough on my other two personals, $2000 on Disney and $1000 on SW. She said you need $500 on there. So I could close one. I was all set to do that but then she could only move $1000 from my Disney because I had a credit on there from the upgrade. So she put in to move that, but I have to wait 7-10 days now before I can upgrade. I also could have requested a credit limit increase but that would have been an inquiry.

I was really hoping to get my cruise booked and maybe even get in on that drink special, but I guess I’ll just wait another week.

 

[Alexle2007]

This leads to the thought...Maybe everyone else in the world can see Disney resorts on the UR portal except us disboarders...joke’s on us!

I can see Universal again so all is well...

 

[gottalovepluto]

--

 

[gottalovepluto]

Annual fee for the legacy Hyatt Card posted today. Paid the $75 fee and immediately used my free night cert to book the Hyatt House in Anaheim near Disneyland. Rates are currently an eye watering $810 a night. I know they will eventually come down but wow..insane value for the $75 fee.

That has to be a computer glitch on Hyatt's end. Rates are like $225/night until Jun and then for Jun and July the $810 kicks in and other sites are running similar $800+ rates. ROFL. My suspicion is rates haven't been loaded into their system so the system is using the default maximum rate that you see listed on the hotel room doors. If this exceeds that rate Hyatt could get in serious trouble...

 

[Mopedmom1]

Churning mistake for me this morning. All my reducing credit limits backfired. Only had $7500 on CSP so didn’t have the 10,000 needed to upgrade to CSR. I barely have enough on my other two personals, $2000 on Disney and $1000 on SW. She said you need $500 on there. So I could close one. I was all set to do that but then she could only move $1000 from my Disney because I had a credit on there from the upgrade. So she put in to move that, but I have to wait 7-10 days now before I can upgrade. I also could have requested a credit limit increase but that would have been an inquiry.

I was really hoping to get my cruise booked and maybe even get in on that drink special, but I guess I’ll just wait another week.

I am keeping 10k CL on 2 of dh's Chase cards currently for upgrading to DD the travel credit. I hope I can remember this when it comes time to get him a new card. I suspect though that I will have one of my typical blonde moments!

 

[schmass]

My coworker was talking about needing a new CC so I recommended (and referred him to) the CIP. I told him to let me know if he had any questions about how to fill out the app for his "business" and thankfully he checked with me before submitting. We got it straightened out but now the app is pending. I told him I had a number he could call if he wanted to check the status, and he said, "no, I can just wait". I would have checked 10 times by now!

 

[orangecuse]

Amex Uber credit help please-

Dh used his plat credit for an ubereats order. Total was $16.75. It shows his full credit has been used, but also shows the full charge pending on the plat? So, did we get double charged? Is this normal and the charge will adjust? He confirmed the full credit was there for this month before ordering so we know it went from $15 to $0 after the order.

 

[mmmears]

Personal anecdote - I got chicken pox as a kid. I grew up in the era of allowing your kids around other kids with chicken pox so they all get it and get it out of the way, because outside of having bad itches it's not that bad for most kids. Look, Mississippi was a weird place, ok? My understanding is this idea is still pretty pervasive despite it being a bad idea.

I got shingles as an adult a few years ago, in my late 20s. It was unpleasant and painful, but I think I got lucky. I hear it's worse if you never had chicken pox though. I remember keeping a distance from my dad because he never had chicken pox or shingles in his life, and was too hard-headed to go get the vaccine.

Yikes. I worry about shingles, but I've been waiting for the vaccine to get to my doctor's office for months now. I, too, was told to play with my friend when she contracted chicken pox and I caught it. I think we were 4 or 5. DH's mom couldn't remember if he had it or not (she said, well, one of you got it, but I can't remember who) and one day we found out the that a girl DD played with came down with it. He was resistant to dealing with this, but it's not a joke when an adult gets it, so DH went and had the titer test, had zero immunity, and went to get the vaccine. Luckily he didn't catch it. It was a good thing, though, since there were more friends who came down with it, including the 2 little girls next door that DD played with daily - and they were both vaccinated! I guess we can't ever assume the vaccine guarantees immunity. My friend's mom got it when we did and oh boy was she sick and miserable. I just remember being itchy, and my friend, too, but her mom was still sick long after we had recovered.

Congrats squared!! My dh is still sitting at 2 weeks. I lowered all his credit limits but we never get instant approval from chase so not really expecting that. However, his apps normally change to approved in about 12 hours so this feels like it’s taking forever

We never get instant approval on the CIP. Not DH, DD, nor me. I don't think it has to do with credit limits because 3 of the 4 were for new cards and none of us have a high % of income as credit with Chase at this point.

 

[bernina]

Some more MBs came online! I was able to get all the bands for ILs and my mom!! They have the band I want but still don't have DHs

Thank you!! I was finally able to get the castle band for me and Little Mermaid for DD. DH gets a plain green band (wouldn’t let me not order for him).

Edited to add: And to top it off touring plans just alerted me for a lunch reservation for BoG and I was able to snag it!