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

[Limes96]

So @speedyfishy, the VGC’s at Staples, if I want to use them at WM to put on Serve, do those $200 cards also have the PIN number in the pkg?

 

[SouthFayetteFan]

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[kidsfirsttrip]

Can we talk Barclay Aviator Biz card... Is it churnable? I've had it for almost a year, are there any must know before closing the account?

It is possible to churn Barclay I’m not even sure you need to wait a year. But anything crazy can happen with them, hence BarCray

We have had a slight issue with our mortgage. I did a test payment of $50 to see how long it would take to post. After about 2 weeks, it still was not credited to our mortgage account as extra principal. After some follow up with Plastiq, they sent me images of the check, cashed by our mortgage lender. All of the info Plastiq put on the check was correct. Apparently somewhere along the way, the check went through BOA and had an account number stamped on it. Whoever did the stamp, put a 6 in our account number that should of been an 8, so the check went to the wrong mortgage account. We are still working to get the error fixed. Since then, I added our account number a second time in the Memo field, and that payment processed correctly.

Plastiq is awesome. I’ve had 2 issues ( neither there fault) and they are super helpful

I haven't gotten the app yet so I guess I need to do that. Thank you for the tip that we can use the bday reward at the gift shop!! I expect we will get in both meals but you never know! We come home on 8/15 so we should be able to use both rewards before the bday expires.
Thanks for your help

Or you could get the yummy volcano dessert one night at rainforest!!!

Just saved a ton of my money on my upcoming Universal trip since they now have AP rates available! Good thing I needed to make a mod to my mom’s room reservation.

No way what are your dates. Not sure much is available when we go in October

Yeah, use your CIC for 5x and check Dosh before you buy. It went away but it was 5% back at staples recently so hopefully that comes back.

Dosh is gone for now but Ebates in store worked for me !

 

[platamama]

yeah....I;m a little scared to turn off autopay thru my bank (since BoA is not especially helpful overall) and try Plastiq for fear something won't go thru right- plus I'm sending in an extra payment monthly too. I;m not sure how to do all that yet.

I have autopay set up for my mortgage from the mortgage side, meaning that the mortgage company is scheduled to pull money out of my checking account (rather than a push from my checking). There was a form I had to fill out for that. I time the Plastiq payment so that the mortgage company gets its payment a couple weeks before the actual payment is due. They've never drawn from my checking account if they receive the payment from Plastiq ahead of time. Any extra payment I would send via Plastiq as a separate payment, and on the memo line say "principal curtailment." It's easy for me to monitor since I have online access to my mortgage account and can see what's gone in. If I see something wrong (like this last month when they put my entire mortgage payment toward principal only) I just call and talk to someone and it gets fixed.

The benefit of this setup is that if I don't make a mortgage payment via Plastiq, I have the knowledge that my mortgage will still get paid from my checking account as a fail-safe.

 

[speedyfishy]

I don't have one either, but I might call and PC my CIU to a CIC. Not sure if they will let me since I PC'd it from a CIP to a CIU less than a year ago, but maybe.

The CIU is still profitable and it’s fine while you try it out to get the hang of how it works.

Yeah, I can see that. I am going to have my DH apply for a CIC next if this goes well. How long does it take to get the serve card in the mail?

I don’t have an exact time frame because I sent it to my dads house in NY so I didn’t have to worry about zeroing out the account for no fees. NY is one of the states with no Serve fees lol but I think it was at least a week.

So @speedyfishy, the VGC’s at Staples, if I want to use them at WM to put on Serve, do those $200 cards also have the PIN number in the pkg?

They should be MetaBank VGCs at staples so it’s the last four digits on the card.

 

[Lain]

Also, CBS All Access, spend $9 get $5 back x2, exp 10/31

Only thing good on CBS All Access is Star Trek Discovery, and that’s not back until next year. I’ll reserve judgment for Star Trek Picard (née Locutus of Borg). They need to green light a Captain Pike series with Anson Mount. *Man crush*

 

[speedyfishy]

Dosh is gone for now but Ebates in store worked for me !

Omg, I totally forgot about the ebates in store option. Thank you so much!

 

[elgerber]

Only thing good on CBS All Access is Star Trek Discovery, and that’s not back until next year. I’ll reserve judgment for Star Trek Picard (née Locutus of Borg). They need to green light a Captain Pike series with Anson Mount. *Man crush*

What about the Twilight Zone? We wanted to watch that, and this would be a good way.

 

[hsmamato2]

Priority passes.... Ok I'm stumped. I've used these exactly ONCE.... so now I have 3..apparently two are the limited AMEX ones with no restaurants. The 3rd is (I think) from my CSR,which is why I'm trying to get it set to use next week at STL.... except I can;t log in under my old login...and it won't send me a new password link,altho it sent me the links for the old amex one (which isn't useful to me) can I just use the card without registering (again) or should I call to see if it's even valid? I'm obviously bad at keeping track of the cards,so it's my own fault.
ALSO at STL restaurant, can it be a to go order to use PP, or just sitdown at table? thanks...

quoting myself to update. I called in (duh) and a helpful rep found my info in about 2 minutes. Now I just need to eat pasta for breakfast and I'm all set! Apparently the place opens at 6 am....

 

[gottalovepluto]

Drowning at work right now so apologies if this was covered but when I went into my company's Amex account today I saw an offer for Delta Gold for 50% back in statement credits up to $300 in the first 3 months plus 30k miles after $1k in purchase in the first 3 months. Exp 8/15. Plat similar offer but up to $500 and 50k miles after $3k purchase. These aren't "best offers ever" but they might be intriguing to people who could use the statement credit in the next few months and miles are just a bit of a bonus (I have a fam member who doesn't want to deal with miles but $300 off his Holiday flights that he needs to book sooner rather than later will probably really appeal to him).

Fwiw I find the Plat particularly intriguing because with a $195 af if might not appeal to people with normal just 70k/80k type mile offers who aren't interested in the companion cert upon renewal but mixing it up with $500 DL statement credit (if you plan to book $1k in DL flights in the next 3 months anyway) plus 50k miles would offset the af and give you more bonus miles than the gold offer.

I didn't see them pop up when I tried to make a referral for them (but I didn't really give it much time so it might be possible). I wasn't able to pull them up after I logged in to my own Amex account as there was something weird I think about cookies in the browser since I already have a DL Gold but they showed just fine Incognito. Here's a public link https://www.americanexpress.com/us/credit-cards/card/delta-skymiles/

Maybe give it a bit to see if it pops up as a referral if you're thinking about it and want it via referral but honestly if this offer appeals to you I would probably just jump on it as Amex is known to sometimes pull offers early.

 

[amalone1013]

....and..... I'm really sorry about the double and triple quotes...... there are things I like about the updated boards,and things I don't like. My problem is when I post, it won't take me back to where I was previously,I have to go back and find it manually,and when I do that, it shows the shadow of the last thing I posted ready to post (arg) so when I try to post again it multi quotes...... I'll try to remember to manually clear the box each time,IDK why my browser isn't doing it automatically. (on the other hand,bookmarking is now an essential part of my reading!)

I have this problem too, it's very frustrating.

 

[Lain]

What about the Twilight Zone? We wanted to watch that, and this would be a good way.

I haven’t given Twilight Zone a chance. Honestly, I’ve kind of been staying away from the dystopian fiction genre (e.g., Black Mirror, Electric Dreams, Love, Death & Robots) because it’s a bit too relatable (?) for comfort these days.

 

[miztressuz]

This is a dumb question but what do you you all do with vgc,s. Do you save them for later to spend or are you able to deposit them as cash some how.

Both

We just had that question recently and @Lain updated the DISchurners news feed with the pertinent posts if you want to check that out first -

For the full scoop,

https://www.reddit.com/r/DISchurners/comments/cfv6iu/_/euf1jku

For some discussions,
https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60862836

https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60862865

https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60862883

https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60862894

https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60862924

https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60862927

https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60862938

https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60862972

https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60863018

 

[Lain]

Is there any reason I shouldn't add myself to DH's amex hilton biz card as an employee? Mainly want to do it for the offers.

No reason not to. Amex employee cards won’t add an account to your credit report (or 5/24). But remember that if you’re doing it for the Amex Offers, offers are now only 1 per SSN. So if you add an offer to your Hilton Biz employee card it will remove the same offer from other cards in your name/SSN, and the Hilton Biz card isn’t exactly the best everyday rewards earner to add an offer to. But if you don’t have the offer on any of your other cards anyway, the Hilton Biz might get you one more shot at being targeted. I personally haven’t gotten very good offers on my or DW’s Hilton Biz cards, but YMMV.

 

[Livelovedance]

For those following my pathetic CIP app saga, I got my CL lowered for the card that the statement closes today. With a $5,000 CIP CL added to my current CLs I’d be at <49%. Living right on the edge!

I know no one knows for sure, but how long would you recommend I wait before applying now?

 

[Samson7256]

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[SouthFayetteFan]

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[disneybirds]

There are some new Amex Offers this morning:

Busch Gardens Williamsburg - Spend $100 or more in one or more eligible transactions directly with Busch Gardens Wlliamsburg online or in-park, get $20 back. Expires 10/27/2019.

Dell.com - Get 10% back, up to $1,500 in total statement credits, on eligible purchases at dell.com/amex* by 1/31/2020.

* In practice, shopping though a portal directly at Dell.com triggers the offer; it doesn’t have to be through /amex. So stack this offer with a high % shopping portal deal and the Biz Plat’s $100 semi-annual credit(s) from now through end of January 2020.

Just spent my Dell credit last week. Should have been more patient!!

 

[Haley R]

Staples will have fee free VGC’s August 4th-10th. I will definitely be taking advantage of this.

How often do they do this? I’m not sure I could get a CIC by then.

 

[speedyfishy]

How often do they do this? I’m not sure I could get a CIC by then.

They tend to run these promos frequently. The last one was the first week in July, but they also had a Mastercard gift card deal in-between the VGC deals. You could always try it with a card you are meeting MSR on to see how it works in your area. The Ebates in Store cash back and hopefully Staples deal on Dosh would give you 7% back. Plus, the rewards for whatever card you use to try it out.