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

[wanderlust7]

I'm considering keeping DH's amex platinum after the first year. He uses the uber credits and actually makes use of the lounges. We got AA GC with the travel bonus last year and have already used some of it. I got DD some boots with the Sacks credit. So I think we cover the AF with the benefits.
Also, I have Global Entry renewals coming up for the rest of family (dh just got his) and I was actually considering getting AU cards for me and the girls (they are currently AUs on my gold). I'm not sure that's worth it either. Any thoughts?

I think AU for you would take up a 5/24 slot. Not sure if you're over yet or if you care? Otherwise, it's a great deal. As @wendow mentioned yesterday, Gold AUs on Plat are free and get TSA/Global credits. Even if you decide to not keep the card past the first year, I think it's possible to renew early to use up the credit (not too sure how early though).

ETA: forgot to mention, don't forget to check for retention offers.

 

[3 DD love princesses]

so how does the credit for precheck work? spg lux card benefit I know its once every 4 years so if I use it for my mom this week when does the 4 year start and then can I use it for my kid the next time?

 

[punkin]

I think AU for you would take up a 5/24 slot. Not sure if you're over yet or if you care? Otherwise, it's a great deal. As @wendow mentioned yesterday, Gold AUs on Plat are free and get TSA/Global credits. Even if you decide to not keep the card past the first year, I think it's possible to renew early to use up the credit (not too sure how early though).

ETA: forgot to mention, don't forget to check for retention offers.

I didn't realize amex even cared about 5/24. In the past 24 I have only applied for an upgraded amex (classic gold to rose gold) which I don't think even got a hard pull, so I'm 0/24 with no plans to churn chase in the immediate future (which could change if the offer was right. Lol). So I'm a clean slate.
I think I might want a platinum AU for me. It's pretty! Lol. And if I pay for one, 3 cost the same, right? Maybe I will get rid of all the AUs on my gold card. Right now I have 3 and they're costing me.

 

[disneymagicgirl]

Who has called Citi when they received a letter about verifying credit report info? I app'd for the biz AA and need to call but I'm sorta scared. Of course, I have sold probably $500 in the last 2 weeks for my "business" so I can probably talk my way through if they are asking biz questions.

Quoting myself to provide DP:
I was a dummy and put my DH's social in the EIN spot instead of mine. I had provided my social on the personal info. Needless to say, the info didn't match. So she put it back through with the correct info and I am all set. Card is on the way with a $20k CL, which seems crazy for my small revenue, but whatever.

 

[wanderlust7]

I didn't realize amex even cared about 5/24. In the past 24 I have only applied for an upgraded amex (classic gold to rose gold) which I don't think even got a hard pull, so I'm 0/24 with no plans to churn chase in the immediate future (which could change if the offer was right. Lol). So I'm a clean slate.
I think I might want a platinum AU for me. It's pretty! Lol. And if I pay for one, 3 cost the same, right? Maybe I will get rid of all the AUs on my gold card. Right now I have 3 and they're costing me.

AmEx doesn't care about 5/24, it's just if you want Chase cards. Just to be clear, there are 2 types of AUs on the plat - either platinum or gold. Do you need the platinum AU on platinum benefits like lounge access or Hilton/Marriott status? If you only need the TSA/Global credit, then being gold AU on platinum is free (up to 99! lol).

 

[jen7233]

I gave up on BoA 2-3 years ago. They were decidedly the worst issuer in my book until AMEX has attempted to match them recently with their shenanigans. BoA was so bold they actually approved me a for a card and then instead of mailing the card, mailed me a letter saying my approval was in error! At that point, they were DEAD to me. Don't let BoA spoil churning for you

Yes, I suppose I'm not going to win BoA favor, so I'll look onward. I'm feeling the same, BoA may be dead to me, we had an auto loan through them and it was paid off in 2017 and we had zero late payments. I will collect all the mailers I get over the year, lol. Maybe I need to move on to consider United or Delta....

I can only speak for myself, but yes. Different banks (issuers) have different quirks so it's important to know that and try to not take it personally. When I was busy accruing personal cards I applied for the Club Carlson Radisson Rewards card from US Bank. I didn't know they were sometimes picky about issuing cards and I was declined. I was sooo sad but realized that not every bank loves you the same. I just decided to focus more on other hotel brands/branded cards (with Amex who liked me at the time) and moved on.

Chase has been good to me, though I'm probably in a 5/24 if I screen my report again so I will leave Chase alone for a long while! I do have some ideas for using hotel rewards, that may be what I look into next. But I think I'm going to let the dust settle on inquiries being posted on my credit report for at least several months or so!

 

[Psychodisney]

I called the Chase tax form line. The guy I talked to seemed nice and was fully aware of issues. He said he would "open a dispute" which may take 30 days but to call back in a couple of weeks. We'll see! I figure if they credit me correctly...2 x 200 for CIP and 100 for Disney, that will put me under the $600 threshold!

 

[disneymagicgirl]

CIP AF just posted. Need to decide what to do with it. DH has one as well, so maybe PC mine to CIC or CIU? I only go to office supply stores for gift card deals. Is it worth having the CIC just for that? We don't have a FU or CIU at all either, so the 1.5x uR would be nice. We are going to sell our house and move, so I have to hold on new apps for awhile, meaning I can only get those from PC for the next few months. Any thoughts?

 

[palhockeymomof2]

Yes, I suppose I'm not going to win BoA favor, so I'll look onward. I'm feeling the same, BoA may be dead to me, we had an auto loan through them and it was paid off in 2017 and we had zero late payments. I will collect all the mailers I get over the year, lol. Maybe I need to move on to consider United or Delta....


Chase has been good to me, though I'm probably in a 5/24 if I screen my report again so I will leave Chase alone for a long while! I do have some ideas for using hotel rewards, that may be what I look into next. But I think I'm going to let the dust settle on inquiries being posted on my credit report for at least several months or so!

Not sure what Chase cards you currently have but If you would like to get back under 5/24...you could look at applying for hotel business cards until your able to go back to Chase

 

[palhockeymomof2]

CIP AF just posted. Need to decide what to do with it. DH has one as well, so maybe PC mine to CIC or CIU? I only go to office supply stores for gift card deals. Is it worth having the CIC just for that? We don't have a FU or CIU at all either, so the 1.5x uR would be nice. We are going to sell our house and move, so I have to hold on new apps for awhile, meaning I can only get those from PC for the next few months. Any thoughts?

In your situation I think PCing your CIP....to the CIU..is a good move
.then once in your new home you can apply for the CIC....meet the spend...PC the CIU to another CIC...so you can get the bonus on the CIU as well

 

[StephPlum]

Anxiously waiting on my PNC bonus. I just got an email that I need to do the 10 debits and deposit 5K to get my $300 bonus. I already did that. I know they just don't have it in the system yet but I am still worried my Chase push won't count despite everyone telling me it will. It is irrational on my part! I know Chase's bonuses were usually Tuesday after you met requirements. Does anyone know PNC timetable? Sounds like they are batched as well.

 

[BamaBoy]

@Alexle2007 - will def check out flight of hippograff. My kids are huge hp fans so I think we will spend a lot of time in hp world

@havaneselover i will report back about rccl. I think the fact that we’ve never done Disney Cruise before will make it better for my kids. They are so excited to ice skate!

@DisneyMandC we are considering a busch gardens VA beach trip this summer end of August. Best airport to fly into? I think to drive from Boston would be too much.

We went to Williamsburg four years ago and really enjoyed it. We flew into Richmond and it was only 50 miles down the interstate. We enjoy doing a wide variety of things on vacation and this trip had it all. History, theme park, water park, outdoors, etc. Really something for the entire family.

 

[kidsfirsttrip]

CIP AF just posted. Need to decide what to do with it. DH has one as well, so maybe PC mine to CIC or CIU? I only go to office supply stores for gift card deals. Is it worth having the CIC just for that? We don't have a FU or CIU at all either, so the 1.5x uR would be nice. We are going to sell our house and move, so I have to hold on new apps for awhile, meaning I can only get those from PC for the next few months. Any thoughts?

I think I’d wait on the CIC and just close the CIP if your not using it for the 3x swych, Gyft, Venmo route. I’d leave a spot to apply for the CIC on your own. That’s 50k ur and since it’s a biz card it won’t go on your credit report. They do a hp so I’d wait until you’re mortgage stuff goes through though. Maybe PC it to a CIU of your close to maxing out biz apps? Love my FUs (sounds terrible) but you’d need to PC a personal to get it.

 

[disneymagicgirl]

In your situation I think PCing your CIP....to the CIU..is a good move
.then once in your new home you can apply for the CIC....meet the spend...PC the CIU to another CIC...so you can get the bonus on the CIU as well

thank you!

 

[kidsfirsttrip]

We went to Williamsburg four years ago and really enjoyed it. We flew into Richmond and it was only 50 miles down the interstate. We enjoy doing a wide variety of things on vacation and this trip had it all. History, theme park, water park, outdoors, etc. Really something for the entire family.

Nice!!!

Thanks for all the VA tips. Flying out tomorrow to MCO and will start looking into this afterwards. August is really our only choice. The family we travel with the husband is a teacher and our kids play all star baseball all summer so it’s really the only week that works. How many days at BG is enough? One full or try to do 2? I hate water parks but if it’s hot as hades the kids would like it- id just insist we rent a cabana

 

[disneymagicgirl]

I think I’d wait on the CIC and just close the CIP if your not using it for the 3x swych, Gyft, Venmo route. I’d leave a spot to apply for the CIC on your own. That’s 50k ur and since it’s a biz card it won’t go on your credit report. They do a hp so I’d wait until you’re mortgage stuff goes through though. Maybe PC it to a CIU of your close to maxing out biz apps? Love my FUs (sounds terrible) but you’d need to PC a personal to get it.

I can still use DHs CIP for the gyft/swych stuff since he got his CIP 6 months later than I did. So I think I will PC to CIU for now and app for a cic later like you said. Thx.

 

[Calfan]

Still need to catch up from last night, but I wanted to circle back on my (so far) very frustrating interactions with Chase on the 1099 error issue. All Twitter support came back with was a number to call for the 1099 department. I recommend skipping this step and going right to CS. The first time I called in to the 1099 department, I was cut off in the middle of explaining my issue. The second time I called in, I explained the issue and then was told that the person in the 1099 department could only see a copy of my 1099 and had no access to information on the detail behind it. Completely useless!! He then transferred me to CS who made me repeat my issue and then spent several minutes "researching." Turns out what he was doing was adding up the dollar value of refunds credited to my CF due to returns. What?!? I explained to him that if the 1099 related to points earned on purchases that were later reversed, then I need about 50,000 more points in my account to be made whole! That stumped him. He decided he needed to transfer me to a "specialist". I again had to give background on my issue. The specialist did indicate that she has had a number of calls on this issue. She also indicated she saw no redemptions or other points activity on my CF that would warrant a $500 1099. Sadly, her only course of action was to open an investigation into the issue that can take up to 30 days. She also suggested I call back in 2-3 weeks to follow up and gave me the direct number to her department. So frustrating to speak with 4 people this morning and end up with essentially no resolution. The 30 days really isn't an issue for me since I file on extension every year, but I doubt it is going to make those who want to file sooner happy. Needless to say, Chase Support heard all about my frustration with the lack of customer service via several Tweets this morning.

 

[kidsfirsttrip]

I can still use DHs CIP for the gyft/swych stuff since he got his CIP 6 months later than I did. So I think I will PC to CIU for now and app for a cic later like you said. Thx.

Perfect! Love at @palhockeymomof2 plan. As we say in Boston she is wicked smaaaahht

 

[BamaBoy]

Nice!!!

Thanks for all the VA tips. Flying out tomorrow to MCO and will start looking into this afterwards. August is really our only choice. The family we travel with the husband is a teacher and our kids play all star baseball all summer so it’s really the only week that works. How many days at BG is enough? One full or try to do 2? I hate water parks but if it’s hot as hades the kids would like it- id just insist we rent a cabana

I would say 2 days at BG, 1 at Water Country, 1-2 at Colonial Williamsburg. Jamestown, Yorktown, William and Mary College also in the area. BG for almost 30 years running has been voted the most beautiful theme park in the world. Really nice!

 

[kidsfirsttrip]

I would say 2 days at BG, 1 at Water Country, 1-2 at Colonial Williamsburg. Jamestown, Yorktown, William and Mary College also in the area. BG for almost 30 years running has been voted the most beautiful theme park in the world. Really nice!

Great!! That’s what I was thinking. Maybe do the 3 day pass (it’s only 10 dollars more) and do 1/2 day arrival, full day, and some rides before heading to VA beach the third day.