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

[lynzi2004]

I need some advice on how to either close a card or PC a card to something else. I am mostly interested in Chase and specifically the CIP at this point. I have a P2 and we are both under 5/24. My issue is that I have used our legit chiropractic office to do our business cards. We have had no trouble getting approved, but DH SW Business was not an instant approval like the others so I'm guessing maybe they were looking at credit limit. I would like to go for more CIPs as we only have 1 between the both of us and so we are leaving currently leaving 5 CIPs on the table plus the referral back and forth to each other. But I'm thinking in order to do that I need to lower credit limit, PC to a different card, or come up with a different "business" and use our names and SSN instead. Any insight to what I should do would be appreciated. Obviously, by using our business to get these cards, meeting the MSR isn't hard but I don't want to screw up and get shut down because we do need a credit card! lol

P1
CIP 4/17
Marriott 5/17
CSP 7/18
SW Plus 2/19
SW Premier 3/19

P2
SW Premier 10/18
SW Plus 11/18

I had posted here a couple weeks ago about having P2 go for either a CIP or maybe a CSP off of P1s referral. Either of those is still my goal but I feel as though I really need to reduce credit limits first. They gave us insane limits on some of the cards, like $10,000 and maybe even a $20,000 one? I don't remember for sure. What dialogue do I need to use to lower the credit limit? SM the best bet or a phone call to do them all at once? We don't mind closing a card or two either but I realize the SW ones will need to be open for a least a year. Thanks in advance!

 

[WVMomof3]

I need some advice on how to either close a card or PC a card to something else. I am mostly interested in Chase and specifically the CIP at this point. I have a P2 and we are both under 5/24. My issue is that I have used our legit chiropractic office to do our business cards. We have had no trouble getting approved, but DH SW Business was not an instant approval like the others so I'm guessing maybe they were looking at credit limit. I would like to go for more CIPs as we only have 1 between the both of us and so we are leaving currently leaving 5 CIPs on the table plus the referral back and forth to each other. But I'm thinking in order to do that I need to lower credit limit, PC to a different card, or come up with a different "business" and use our names and SSN instead. Any insight to what I should do would be appreciated. Obviously, by using our business to get these cards, meeting the MSR isn't hard but I don't want to screw up and get shut down because we do need a credit card! lol

P1
CIP 4/17
Marriott 5/17
CSP 7/18
SW Plus 2/19
SW Premier 3/19

P2
SW Premier 10/18
SW Plus 11/18

I had posted here a couple weeks ago about having P2 go for either a CIP or maybe a CSP off of P1s referral. Either of those is still my goal but I feel as though I really need to reduce credit limits first. They gave us insane limits on some of the cards, like $10,000 and maybe even a $20,000 one? I don't remember for sure. What dialogue do I need to use to lower the credit limit? SM the best bet or a phone call to do them all at once? We don't mind closing a card or two either but I realize the SW ones will need to be open for a least a year. Thanks in advance!

Super easy to SM to lower them. I have done multiple in one day. I just say please lower the credit limit on this card to $x,000. That is all you need to say. If you are not putting much spend on the card I would lower to $1 or $2k. If you are using, then maybe have at least $5k. But it is up to you. You want your total limit with Chase to be under 50% of household income, or $60k max if you are higher income.

ETA - if P2 only has those 2 Chase cards you should be good to go now, unless you have like insane high limits on both of those cards.

 

[Judique]

lol go at the speed that you are comfortable with. I’m definitely not a heavy MSer compared to the people on reddit but I try and get some points. It’s hard to say how much time I spend doing this. I try and MS when I have to go get groceries or other things. I never go out to just load my serve card. I also try and load serve and get money orders at the same time. I also don’t mind driving around because I do some light couponing lol on Fridays a lot of grocery stores have a free item day so if it’s a item we use I try and go to all the grocery stores and pick them up. Last Friday giant had free Lindt chocolate bars lol I got two of those, picked up the Safeway VGCs with a deal, loaded serve and got two money orders.

My plan for tomorrow is to hit up Best Buy for discounted Disney Giftcards (Amex offer), load serve, go to Giant and buy the Happy Guy Giftcards (pick up dinner at Giant because I’ll save $20 with the happy guy deal) get more VGCs at Giant to load the serve with on Thursday, and then go to Home Depot to liquidate the happy Guy giftcards. Idk how long that will take me maybe an hour and a half? That will save/give me $50 inDisney Giftcards, $20 in free grocery’s, and 8,000 MR so all together that’s worth about $170. Doing this and getting sign up bonuses and bank bonuses is really a great side hustle.

Plus Giant fuel points?

 

[StephPlum]

no amex in the mail today

I am waiting on a card too - DH's new Delta Gold biz. What is a normal time frame from approval?

 

[wendow]

Can you use the Cit AA Biz cards to Venmo or not with these cards?

You can use citi biz cards on Venmo.

 

[speedyfishy]

Plus Giant fuel points?

I did get some points today. I tend to have a lot of points expire before I get to use them. I saw they are testing out a fuel and grocery rewards program like Safeway but that isn’t available yet for me.

 

[LynnTH]

You can use citi biz cards on Venmo.

Thanks!!

 

[speedyfishy]

Sooooo uhhh OT but anyone think Disney is going to announce a fifth gate? They always announce a new park after universal.

 

[LuckyMamaInDE]

I am waiting on a card too - DH's new Delta Gold biz. What is a normal time frame from approval?

It came after all! UPS was super late today, after both USPS and FedEx

I believe the website said 3-5 business days after approval. "He" applied and was approved on Sunday.

 

[LuckyMamaInDE]

Sooooo uhhh OT but anyone think Disney is going to announce a fifth gate? They always announce a new park after universal.

We can wish I doubt it will be this year, though.

 

[AmyAnne]

Do you want an Amex Biz? BBP is nice with 2xMR

Is AmEx giving points for orders through GCM or GC.com? I thought they had stopped giving any kind of points for purchases that were from retailers that obviously sell nothing but gift cards.

 

[speedyfishy]

Is AmEx giving points for orders through GCM or GC.com? I thought they had stopped giving any kind of points for purchases that were from retailers that obviously sell nothing but gift cards.

DPs on Reddit say that it is still working. I haven’t tried yet.

 

[disneybirds]

@disneybirds Me too. I spent it early July. At least Dell was 10% cashback in a portal, and DH got to use his new Bose Quiet Comfort II headphones for his trip to Germany.

DH got the Bose QuietComfort 20 Acoustic Noise Cancelling Headphones. He said they were amazing!

 

[PolyRob]

Sooooo uhhh OT but anyone think Disney is going to announce a fifth gate? They always announce a new park after universal.

I swear this is ALL I was thinking as I read the news thread and looked at the renders from Universal. Nothing against Universal, I just prefer Disney. WDW got Avatar, TSL, and Star Wars in response to HP so I am more excited to see how WDW responds than what Universal puts out. I do agree with @LuckyMamaInDE that it will be years, but I can wait

 

[speedyfishy]

I swear this is ALL I was thinking as I read the news thread and looked at the renders from Universal. Nothing against Universal, I just prefer Disney. WDW got Avatar, TSL, and Star Wars in response to HP so I am more excited to see how WDW responds than what Universal puts out. I do agree with @LuckyMamaInDE that it will be years, but I can wait

Definitely years until it’s built but will they announce it this month?? lol

 

[Haley R]

Do you want an Amex Biz? BBP is nice with 2xMR

Hmm I’m not sure. What’s BBP?

 

[Haley R]

Don't you have a CIP that was opened in July of 2018? Just PC that to a CIC - you can start doing "serve stuff" today then! And then in Sept you could go for CIP 3 or a CIU instead.

I did but I already closed it

 

[PolyRob]

Definitely years until it’s built but will they announce it this month?? lol

This month? IDK about that. There is a secret project on the D23 calendar, but I doubt that is it. I joked that it was on the news thread, but I don't really think it could happen that fast. I am sure there are tons of planned 5th gate ideas and now Disney will probably have to solidify one in direct response.

 

[PolyRob]

I did but I already closed it

What about DH? Are all his closed?

 

[speedyfishy]

Hmm I’m not sure. What’s BBP?

blue business plus. It’s 2xMR on every purchase. Low sign up bonus but it’s a good non bonus card