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

[Alexle2007]

I need to apply for both cards in plenty of time to be able to meet the minimum requirements because if I do the one (80K) prior to 12/31, then the other one and it post in January, I am screwed for the companion correct?

The real key is NOT to meet the MSR until after your Dec statement closes. If your bonus posts in 2019, yes, you are potentially screwed. I say “potentially” since you could correct by getting a personal card. I would leave a buffer of $300-500, at least, to complete the MSR to avoid any possibility of the bonus posting before you actually meet the MSR. Also, remember that returns count towards the MSR. People have mistakenly made a $1000 purchase, returned the item and thought they still had time. Nope! It counted. You would want to make up that spend after the Dec closing to keep things kosher though.

Just to be clear, if the MSR is $3k, I spend $2k on my Oct statement, I spend $1010 on my Nov statement but return that Apple laptop that I purchased for $1000 in Oct, I have met the $3k MSR and the bonus will post. But I would still want to spend an additional $1k so that Chase remains happy with me.

What the person should have done was spent $2k for Oct closing , $300 for Nov closing and $200 for Dec closing and then in mid/late Dec or early Jan spent $510 for the bonus to post in Jan.

The AF does not count towards MSR.

 

[EACarlson]

I'm very envious of all you productive couch churners today. I've been walking the property pulling tansy!

I am contemplating going for the Rose Gold Amex. I have all my credit locked down and haven't ever unfrozen it after fraud was detected in January. If I only unlock TU will Amex pull from that? I have 8 inquiries on EQ and only one on TU. I can't believe I haven't opened a cc in 6 months! But it's nice to see my CS creeping upwards.

Amex generally only pulls Experian, they may deny you outright, they may tell you that you need to thaw EX or they may pull TU. Are you already a customer?

 

[CyndiLouWho]

I need to apply for both cards in plenty of time to be able to meet the minimum requirements because if I do the one (80K) prior to 12/31, then the other one and it post in January, I am screwed for the companion correct?

What advise do I need to know in the application process in applying for both business cards?

If you want to have the CP pass for 2020 & 2021, you need to have points post from both cards in 2020. That means for most people you won’t have a CP until at least late January or February. So timing is everything here and you need to meet MSR on both. You can do one biz and one personal and get the CP as long as the total is over 110k miles AFTER January 1. If your miles post before, you will be out of luck, so many people wait to make sure the last few hundred on both cards after Jan 1. Chase only allows 1 biz application every 30 days (1/30) so if you do 2 biz, you’ll need to wait 30 days after the first. If you do biz and personal, you can do them closer together if you do the biz first.
As for the application, you need to make sure you use your name only as the business name. Even if you have a legit business, it is harder to get an application approved with a business name. Chase will require proof of the business unless you apply as a sole proprietor with your name as the business and the as the applicant (they should be identical) When they ask for EIN, enter your SSN.

 

[Mopedmom1]

Amex generally only pulls Experian, they may deny you outright, they may tell you that you need to thaw EX or they may pull TU. Are you already a customer?

Yes I have a personal and bus amex.

 

[EACarlson]

Yes I have a personal and bus amex.

Then I would apply without thawing anything. They may have enough information from their soft pulls to reach a decision, if they don't, you can call them and ask them what you need to do.

 

[Andysol]

We would probably be there 5 nights. Don’t have enough Marriott points for a stay, but have some Hyatt points and could transfer UR for the remainder. We have been to CR twice, once with DS though he was much younger. We would probably do one wildlife type tour (we loved Cano Negro) or to a national park. I’m just looking to spend as little $ as possible since our summer vacation next year will be DLR and Universal which will cost plenty.
We have not rented a car there before, or internationally ever. Anything complicated?

Nah. Same as anywhere. They force their insurance on you- it’s something like $30 for the week and mandatory.

You’ll want a car for sure then. The resort prices are pricey. Grab some liquor and sandwich material from the Walmart and head to the resort. 4 nights is fine (even 4 works).

Cokes, waters, chips, fruit, etc are all complimentary and in the room.

 

[Mopedmom1]

Then I would apply without thawing anything. They may have enough information from their soft pulls to reach a decision, if they don't, you can call them and ask them what you need to do.

That is EXCELLENT advice. Thank you!

 

[Psychodisney]

Has anyone had any luck with aChase referral links this weekend? I’ve generated a few CF links for my DD but none have worked.

 

[KPK02090]

For those who have done the Wells Fargo bank bonus, did anyone use Chase Checking or Santander for the “direct deposit?” DOC has dps for both working, trying to decide which to use. Thanks for any advice on this one!

 

[Haley R]

AoA was actually wonderful with a teenage daughter-2 bathrooms in the family suites made it really useful for a quick trip. I understand not everyone resonates with resorts the same way, so it's great there are so many options at different price points.

Absolutely! I love that there is literally a resort for everyone. Will I stay at the Polynesian bungalows? In my dreams lol. I’m sure someone out there can afford it. I like the theming at POFQ the best out of all wdw resorts

 

[Haley R]

Dh and I got a deal on Xbox live today and got it for $1 for one month. It comes with the game pass where you can get older games for free. Yeah I’ve been playing the Disneyland game all night lol. It’s actually kind of fun. My character is currently wearing a lost boy costume lol

 

[CyndiLouWho]

Nah. Same as anywhere. They force their insurance on you- it’s something like $30 for the week and mandatory.

You’ll want a car for sure then. The resort prices are pricey. Grab some liquor and sandwich material from the Walmart and head to the resort. 4 nights is fine (even 4 works).

Cokes, waters, chips, fruit, etc are all complimentary and in the room.

Wait, there’s a Walmart? Lol. Admittedly we haven’t been in 8 years but I don’t recall a Walmart in Liberia. Last time we were in Playa Flamingo and there was a big grocery store not too far but everything else was mom & pop type stuff.

I’m really struggling with this Spring Break trip and normally have stuff locked down by now but every time we decide on someplace, I am having issues with availablity. I guess I focused too much on our trips this year and didn’t plan enough for next year.

 

[Andysol]

Wait, there’s a Walmart? Lol. Admittedly we haven’t been in 8 years but I don’t recall a Walmart in Liberia. Last time we were in Playa Flamingo and there was a big grocery store not too far but everything else was mom & pop type stuff.

I’m really struggling with this Spring Break trip and normally have stuff locked down by now but every time we decide on someplace, I am having issues with availablity. I guess I focused too much on our trips this year and didn’t plan enough for next year.

I’ve been there. I was speaking with a friend about that today. I barely had time to plan Boston last week as it was in between two trips and I wasn’t really anticipating it like the others.

But yes, there’s a Walmart in Liberia. Prices are high there too: bread, PB, etc are all more there than the US. Maybe by 20-40%.

 

[Albort]

Has anyone had any luck with aChase referral links this weekend? I’ve generated a few CF links for my DD but none have worked.

did u try the @SouthFayetteFan method?

 

[Psychodisney]

did u try the @SouthFayetteFan method?

No? Not sure what his special method is!

 

[SouthFayetteFan]

did u try the @SouthFayetteFan method?

No? Not sure what his special method is!

What is my method?? LOL! (I’m not sure I know what this is in reference to, haha)

 

[Haley R]

.

 

[Albort]

What is my method?? LOL! (I’m not sure I know what this is in reference to, haha)

wasnt about adding an "a" somewhere in the link?

 

[SouthFayetteFan]

wasnt about adding an "a" somewhere in the link?

Ah yes, sorry!

Ok so here's the scoop on Chase Support Links:
1) CSP links are down completely right now and have been for most of the week. There is no work around on those.
2) old CIP links may not work. You just need to generate a new one with "21a" and you'll be fine
3) CF links are not working. You can add an "a" after the "2" (i.e. ...yourchasecard.com/2a/....) and it MIGHT track. I can't make any promises that this will absolutely work.
4) Similar issue with CFU links but the opposite. Those with an "a" are not working. You could delete the "a" after the "18" and it MIGHT track. I can't make any promises that this will absolutely work.

 

[mmmears]

Ah yes, sorry!

Ok so here's the scoop on Chase Support Links:
1) CSP links are down completely right now and have been for most of the week. There is no work around on those.
2) old CIP links may not work. You just need to generate a new one with "21a" and you'll be fine
3) CF links are not working. You can add an "a" after the "2" (i.e. ...yourchasecard.com/2a/....) and it MIGHT track. I can't make any promises that this will absolutely work.
4) Similar issue with CFU links but the opposite. Those with an "a" are not working. You could delete the "a" after the "18" and it MIGHT track. I can't make any promises that this will absolutely work.

Any thoughts on when DH needs to PC his CSP to a CF? His AF posted on 7/1 but now he can't generate a link for me so I was hoping we could wait a while. Do you think there will be a way to generate one soon?