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

[SouthFayetteFan]

DISchurners support thread refresh announcement
It is that time once again...the support threads on DISchurners need to be refreshed (this occurs every 6 months).

The easiest way to do this is:
1) Go to your OLD comment in the OLD thread
2) Click EDIT
3) COPY the entire comment text in the edit box
4) PASTE the comment text as a NEW comment in the NEW thread
5) CHECK all links to make sure they are active and working
You do NOT need to delete your old comment when done, you can just leave it in that thread.

This process will help you not have to re-do all your formatting. Side note: It is best to access DISchurners in old reddit.

I added a comment in each thread that 1099s may be issued for the value of any points as a warning.

I will post reminders for this over the next week or so and will then remove the old threads with only the new threads remaining.

I added this to the news thread so that anybody who isn't paying attention over the next few days doesn't miss the notification to update links

Is anybody else benefiting from that news thread? I know I shared that it helped me when I was away...It takes a minimal amount of effort to update so just wondering if it truly has value. Happy to hear any thoughts on it!

 

[thevalley]

So you may not have been around when we were discussing these extensively, but a bunch of us suddenly like Citi AA biz cards! I got one, I know @wendow did too. I think some people are already on their 2nd card+ boarding that sweet grAAvy train (I cringe)... The reason we all suddenly showed interest is we figured out that you could redeem AA miles for DISNEY resorts at 1cpp.

There is a lot more detail on the Disney thing in the DISchurners WDW tips thread here: https://www.reddit.com/r/DISchurners/comments/ai6lq0/dischurners_walt_disney_world_tips/

I also shared this "guide to the grAAvy train": https://www.reddit.com/r/DISchurner...oo_choooall_aboard_the_graavy_train_i_cringe/

Many of us were auto-approved for our first Citi AA biz with no issues. There's numerous offers out there so make sure you pick the best one for you. There is a 24 month rule on subsequent AA cards but you can get around that by finding targeted biz mailers that don't include that language. There's some avenues to get these through r/churningmarketplace (you typically have to pay $10-$20 for them).

Citi Biz cards DO NOT report to your personal report and thus do not affect 5/24 status. If you apply as a sole prop it will feel the same as applying for Chase & AMEX biz cards (i.e. super easy!)

THANK YOU!!!!!! I might have missed that. thanks i will read up on that tonight. correct me if im wrong but the card is a master card correct. so we can use it for mortgages?

 

[SouthFayetteFan]

THANK YOU!!!!!! I might have missed that. thanks i will read up on that tonight. is there any referral links in our other group? correct me if im wrong but the card is a master card correct. so we can use it for mortgages?

It is a MasterCard.

 

[mmmears]

I’m having trouble keeping up both here and on reddit. Frankly I’m mostly just reading here.

@Judique thank you for the update on your family. I’m so glad things are progressing and so sorry they have to deal with so much. They are very lucky to have you.

 

[mmmears]

Once we cross the Sanibel causeway...it's island life for us! No hurries, no stop lights, no stress...just aahhhhmazing! People find it somewhat remarkable that I can both enjoy the craziness of a Disney vacation loaded with activity and the do-nothing pace of a Captiva Beach trip. They are about as opposite as could be and I love them both tremendously!

I totally get it. For years we’d go back and forth between intense Disney parks trips and a relaxing week or two on Maui, with very few activities other than the pool and the beach. Captiva sounds wonderful to me!

 

[platamama]

Uhm, maybe Oahu, but not Maui. You'll have a relaxing time on Maui! And no snow!

The last time we were in Maui was before DD was born, and that was a great trip. She's only been to the Big Island. I've never been to Oahu (maybe someday! but maybe not if DH digs in his heels) but I've been to the other islands.

DW and DD have been trying to get me to book a trip to Hawaii for the last decade. It has just never been a place I am that bothered about - and seems an awful long trip from the east coast. Most folks I talk to rave about it as though it is some magical, mystical beach heaven but when I look at the places I can go to for the money and time it takes to get to Hawaii - just seems to be lots of better options in the world.

^^^ exactly how I feel about it. I can be in the Caribbean in a few hours. I don’t get it.

Being in a landlocked state close to the middle of the country, any beach heaven I'd want to go to is going to be longer than a few hours away. We went to parts of the Caribbean on a DCL cruise and most of those were pretty but not necessary for me to return to. I like to mix up destinations if I can so DD can see more of the world.

Shhhh!!! You don't want to wish them up!

No, that's true, but it would be better to know about it beforehand than be denied the bonus after you did the spend and that's what's happening to some people. Amex is reneging on the terms agreed to when applying for a card, and that's totally uncool.

Plus DH is Asian and with all of the Japanese tourists I think it makes him feel more comfortable, not to mention all of the Ramen shops! Oh, and the Hawaiian people are some of the nicest people in our experience! Of course I haven't been since our honeymoon 11 years ago! Hopefully 2020!

Yeah, the first time I went to Hawaii was on my honeymoon, and it was the first time in my life that I felt comfortable in my own skin. I'd never known before then how much of a subconscious drain it is to stick out. Ask yourself how you would feel if you didn't look like the people around you. I think most people take it for granted.

 

[wendow]

There is a lot more detail on the Disney thing in the DISchurners WDW tips thread here: https://www.reddit.com/r/DISchurners/comments/ai6lq0/dischurners_walt_disney_world_tips/

I also shared this "guide to the grAAvy train": https://www.reddit.com/r/DISchurner...oo_choooall_aboard_the_graavy_train_i_cringe/

Reading through these now. I'm almost done with my MSR so wondering when I can get another Been super busy with TA stuff and haven't had time to catch up on DISchurners.

 

[wendow]

I totally get it. For years we’d go back and forth between intense Disney parks trips and a relaxing week or two on Maui, with very few activities other than the pool and the beach. Captiva sounds wonderful to me!

Me too! My fav vacations are Disney and a quiet, relaxing beach vacation. Totally opposite but both so great.

 

[wendow]

THANK YOU!!!!!! I might have missed that. thanks i will read up on that tonight. correct me if im wrong but the card is a master card correct. so we can use it for mortgages?

Yep, already paid Feb mortgage with mine

 

[speedyfishy]

well I found out that my registry has portal options! Im trying to pay myself in cash for the "cash fund" and go through a portal the terms exclude the cash fund, but I hope something will track. Ebates did not work. But I just tried Swagbucks and I will try the Southwest Portal next. I met the spend on my Barclay card and my second Citi Biz. I just have the Hyatt and Citi Personal left. I do need a few more thousand on the Southwest card to trigger the companion pass too (I was too nervous to try for the 50k link and jeopardize my companion pass) I also have SO's Amex Green card, but I don't know if I should even bother. He didn't get the bonus for the Blue Biz despite no pop-up.

 

[Lain]

Yikes! It is so true that offers can change at the drop of a hat or the whim of Amex. @amcc -

Yesterday I was looking at their page - not logged in - but of course they know its me and the Gold had a 50K offer. Today it wouldn't even show me Gold until I switched browsers, and then it showed as 35K points.

Next I log in and it is urging me to refer. My previous referral link was 50K. Now it's 40K.

Nothing concrete about Amex.

If I were @amcc I would apply for both offers just as @Lain detailed, plat first as you have the 100K now, and I'd do the Gold right after on the same day if I could manage both spends.

After checking it out today I am not so sure a 50K incognito will be there. Amex just sold a lot of us on the Rose Gold, so they may cut back for awhile and focus on maximizing the seeds they planted - a lot of us are selling the Gold card for them.

@amcc - I forgot to mention one other factor in favor of applying for the Platinum first.

Referrals from the Platinum card are worth 15k MR. If you decide you want to put off applying for the Gold card, but are worried that the 50k MR mailer offer may go away or you won't be able to pull the 50k MR offer on the Gold in incognito later, you can use a link from your Platinum to self-refer yourself to the Gold. I believe the referral offer on the Gold is currently 40k MR after $2k MSR/3 months. You'd pocket another 15k MR for the referral from the Platinum. However, note that you may have to pay taxes on the referral bonus, whereas signup bonuses are not taxed.

 

[SouthFayetteFan]

I’m having trouble keeping up both here and on reddit. Frankly I’m mostly just reading here.

FYI - the "NEWS" thread on DISchurners can actually HELP you keep up here. Since we started it 2 weeks ago, there have been approx 3,500 comments made on this thread. The NEWS thread on DISchurners identifies the 24 most important comments made out of those 3,500. Basically, if somebody hadn't read this thread at all for the past 2 weeks but only checked the news on DISchurners you would see all of the important stuff We're also including a link back to the relevant comment here on the boards so you could go directly there and follow any additional conversation that ensued.

Here's a link again for anybody interested in following it: https://www.reddit.com/r/DISchurners/comments/aj6vx6/news_discussion_thread/

 

[DisneyMandC]

Still no 1099's in my informed delivery. I got an email from TaxAct for 25% off if I use it by the 16th, thinking that might be my deadline.

Me neither. My cut off date is the 15th, so I'm sure the government will shut down that day.

 

[platamama]

MS'ers --

At my Kroger store this morning, all the black variable VGCs were pulled and there's signs up saying that VGCs would no longer to allowed to pay for WU mos at the money center. It specifically mentioned that the card would need to have your name printed on it (GCM here I come w my CIP?) in order to be used.

I bought a couple colorful VGCs that hadn't been pulled yet, changed the pin on them, and went to WM to do billpay with them and my first swipe was not accepted by the register and it was with a CSR who has done billpays for me in the past. I don't have a good feeling about this, but will try again. I had a VGC last week that got blocked for doing an mo, but after I called the 888 number and had the block removed, the same card worked fine a few days later for an mo at the same store same register.

 

[SouthFayetteFan]

.

 

[tink1970]

Yeah, the first time I went to Hawaii was on my honeymoon, and it was the first time in my life that I felt comfortable in my own skin. I'd never known before then how much of a subconscious drain it is to stick out. Ask yourself how you would feel if you didn't look like the people around you. I think most people take it for granted.

Funny, I had that revelation when I went to Japan the first time. I was definitely not like my parents' neighbors and my long blonde hair was very interesting to them (this was way before the internet and blonde hair was rarely seen where they lived). It was both uncomfortable yet so helpful to realize how being so obviously different can affect you. Being Gaijin was not fun there (sort of how I feel about being a haole in HI I guess).

 

[3 DD love princesses]

Woohoo! Dh is going to visit his brother in Germany in August, so I said, Hey, I'm going to do a long weekend in Disney. Have AP, DVC Points (well borrowing 2019 ) and miles for flights, so why not?!?! I was able to get 3 of the 4 nights at BWV and have been deciding if I should keep stalking that final night (in the middle of the trip) or maybe book BLT so I know I am covered for the whole time. I have literally been hitting refresh on the search page all day, every day, and just now the 1 night I needed came up!!!!

You can always waitlist it. I’ve had several come through that were 1 night waitlist.

I added this to the news thread so that anybody who isn't paying attention over the next few days doesn't miss the notification to update links

Is anybody else benefiting from that news thread? I know I shared that it helped me when I was away...It takes a minimal amount of effort to update so just wondering if it truly has value. Happy to hear any thoughts on it!

Yes I read that but also went back and read here when I had the time. I’ve read all the messages but I don’t have a “memory” aka Lain spreadsheet to remember everything

 

[3 DD love princesses]

Anyone try to use Best Buy rewards for gc recently? Have some to use but rather not make a trip if it’s not working anymore.

 

[SouthFayetteFan]

Yes I read that but also went back and read here when I had the time. I’ve read all the messages but I don’t have a “memory” aka Lain spreadsheet to remember everything

That's a great point! It could be helpful a couple months from now if I want to revisit a conversation we had on a major topic! Searching on the DIS can be tough to find the exactly dates of the comments you want to read

 

[amalone1013]

I also edited my response to add this discussion of a carrying forward a negative balance:

https://support.youneedabudget.com/t/x1j0w7/carrying-a-negative-balance

Thanks! You were the first person I thought of for this