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

[smmco]

I’m not really a pop up expert. SO got it on the Hilton Biz but I just put a lot of spend on his cards and it went away. Amex allows 2 credit cards every 90 days and you can get “unlimited” charge cards. I have been hitting that hard. SO and I just have a few flavors of the Plat to get and then we got every charge card and we have been canceling and getting new Amex credit cards at the one year mark. We are both maxed out at 5 right now though.


ETA so my answer is if he doesn’t have another Amex credit card in the past 90 days and can meet the spend go for it now lol I don’t think going for it now would make him more likely to get the pop up in the future, but I’m not an expert on that lol

I guess I shouldn't be worried about cancelling a few cards then?

 

[Lain]

I guess I shouldn't be worried about cancelling a few cards then?

Not if you MS tens of thousands a month.

 

[smmco]

Not if you MS tens of thousands a month.

Maybe I should be worried then. LOL

 

[speedyfishy]

I guess I shouldn't be worried about cancelling a few cards then?

I wait until the yearly fee hits

Not if you MS tens of thousands a month.

I don’t do that all on Amex... yet

 

[Lain]

I don’t do that all on Amex... yet

Haven’t you maxed out your and SO’s Golds yet? You going to open more?

 

[DisneyMandC]

So I think I’m going to have to move me and DH’s January Orlando trip, which is fine. He’s probably going to a horse show in Venice, FL in January now and it’ll be too hard for him to take off for both back to back. Of course, I’ve already booked a Marriott stay with our free night cert and the free night is supposed to expire on 1/31. I can’t wait to see how many different ways Marriott screws this up if I ask them to extend the expiration and move it back by a month...

 

[speedyfishy]

Haven’t you maxed out your and SO’s Golds yet? You going to open more?

Still working on SOs. I could theoretically do it all in one month but I spread it out lol I wanted to finish SOs this month but I’m waiting for good VGC deals at a grocery store near me. I have been working on his for basically three months. I maxed mine after having it for 6 months, but I wasn’t MSing hard for most of that. Haven’t gotten multiple Golds yet but it’s on my list

 

[Haley R]

We went and saw The Peanut Butter Falcon tonight. It was FANTASTIC! It was my mom’s idea to go see it and I’m so glad we went

 

[Judique]

A few random this and thats....

• Anybody know how to sign out of the Safeway App on my phone? I have scoured and scoured and it remains elusive. I made a second account for VGC's and I would like to switch back and forth rather than rely on signing in online.
• Just took an upgrade offer on Amex BCE to BCP, 1k spend in 90 days, $150 bonus. I liked the card much better when it had 3% for department stores instead of streaming.
• Name changes - I have a hyphenated last name. It is on my SS card, DL, Passport and I'm assuming GE, but I cant find the card currently. Most airlines systems will not allow a hyphen when booking a ticket. I am waiting for the day an overzealous TSA agent takes issue with that. I recommend to any woman I know getting married not to do what I did. Some places take a hyphen, some don't. It is always a guessing game trying to remember who needs what for sign in.

Sign out is under 'settings'. Hit my store at the bottom right and then you will see delivery, messages, my account, rewards and lastly, settings, all the way to the right. On my phone I can only see the 's' but it takes you to sign out.

 

[magickingdomprincess]

With those stats, I personally wouldn’t go for the SW Performance before the 80k RR SUB is supposed to end on 10/16/19. Chase could extend this offer. If Chase doesn’t extend the 80k offer, I just don’t see the SUB going below 60k RR, which is what the SW Biz has been at for... a year or more? If the Performance Biz drops to 60k after 10/16 and you get that when your timing looks better, and then pair it with the SW Biz in Feb/March 2020, assuming it stays at 60k, that’s still 120k + points from MSR combined and more than enough for a CP in 2020-21.

Thanks! When I wrote it out I kind of figured the same thing, but those 80k RR's are just so tempting! I'll exercise restraint though and wait till Nov. Too bad DH won't do biz cards, we'd have an extra CP for this year and next. Oh well...

Related question, is it ok to cancel a card before the AF hits but more than a year has passed since opening? In my case I think the CIP#1 AF will hit 12/1, but the card was opened 11/2. I'd rather cancel 11/4 or so rather than wait till 12/2, then apply for the SW Perf biz a few days later.

 

[kidsfirsttrip]

No. I have done the Delta Golds and Plats the same day before.

Here was my edit on the other post lol

ETA so my answer is if he doesn’t have another Amex credit card in the past 90 days and can meet the spend go for it now lol I don’t think going for it now would make him more likely to get the pop up in the future, but I’m not an expert on that lol

Amex has a 2/90 (2 Amex credit cards in 90 days) hard rule, and there’s also a YMMV 1/5 (1 Amex credit card in 5 days) rule.

Neither rule applies to charge cards.

Moreover, the 1/5 “rule” is YMMV. It usually doesn’t apply when there’s no hard pull on the first app.

So theoretically, if DH hasn’t been approved for another Amex credit card in the past 90 days, and there wasn’t a hard pull on his Hilton Biz app, you could have DH apply for another Amex credit card tonight.

And since neither 1/5 nor 2/90 apply to Amex’s charge cards, you could have DH apply for a charge card at any time.

I personally would strike while the iron is hot (i.e., while you’ve shaken the pop up) and apply tonight, since if you apply on another day, DH may get the pop up again. That is, assuming you can meet both MSRs.

ETA: And don’t forget you can have max only 5 open Amex credit cards at a time.

Darn it! Got the pop up for the Surpass. Now I’m worried there was some snafu with the Hilton Biz. Could go for the Gold but trying to hold off on too many high AF cards at the moment

 

[palhockeymomof2]

Thanks! When I wrote it out I kind of figured the same thing, but those 80k RR's are just so tempting! I'll exercise restraint though and wait till Nov. Too bad DH won't do biz cards, we'd have an extra CP for this year and next. Oh well...

Related question, is it ok to cancel a card before the AF hits but more than a year has passed since opening? In my case I think the CIP#1 AF will hit 12/1, but the card was opened 11/2. I'd rather cancel 11/4 or so rather than wait till 12/2, then apply for the SW Perf biz a few days later.

I cancelled my CIP 1 after the first year but before the AF hit the next month so I think you are fine with your plan

 

[Alexle2007]

I'm starting to think you missed your calling - should have considered accounting. Unless you are already working in statistics for your company?

I do know I'm ahead in value for my card hobby and every so often I'll add a few things up as reassurance, but I really don't keep records other than to make sure the bills are paid and the credits are used or ear marked.

I have a BS in Accounting and am so glad I never used it or wasted my time sitting for the CPA. My boss keeps asking if i I want my PMP (Project Mgmt Professional) certification. No thanks, I don't think it makes you a better PM because you can add an abbreviation to your signature.

 

[Haley R]

We are waiting for the wdw charge to go pending and show that we used the travel credit. Am I right that I should move dh’s CSR points to his CIP3? We will PC the CSR to a CF.

 

[wendow]

For 76 a night she could take a Minnie Van back and forth to the parks and still not hit moderate costs.

Or even just a lyft. We took a lyft when transferring from POR to Swan and with tip was only $15. Minnie vans were $26 for same trip. Either way, you are right that she’d still save money!

 

[mhartman09]

We are waiting for the wdw charge to go pending and show that we used the travel credit. Am I right that I should move dh’s CSR points to his CIP3? We will PC the CSR to a CF.

Yes, as the CIP has a better redemption rate at 1.25x instead of 1x with the CF. I always pool my URs to my highest redemption rate card.

 

[Alexle2007]

I'm starting to think you missed your calling - should have considered accounting. Unless you are already working in statistics for your company?

I do know I'm ahead in value for my card hobby and every so often I'll add a few things up as reassurance, but I really don't keep records other than to make sure the bills are paid and the credits are used or ear marked.

I have a BS in Accounting and am so glad I never used it or wasted my time sitting for the CPA. My boss keeps asking if i I want my PMP (Project Mgmt Professional) certification. No thanks, I don't think it makes you a better PM because you can add an abbreviation to your signature.

As far as I understand, and from a quick google of the real id act, he can still travel by carrying his passport. And, I have a real ID license since 2017 for Maryland - my star is not yellow? Is it yellow in your state? edit - I googled and see it now. My DL (and star) looks like this:
View attachment 428691
Googled a pic of your yellow star.

I think the star is misleading. My license has had one for the last couple of years but I just turned in the documentation in June to make it a "real ID." And I personally hate that the state took copies of my SSN card and passport.

I have to get my federal ID for work renewed and they also want my passport and other documents. It's getting out of control.

 

[disneymagicgirl]

Apparently, you're right. I just got an email from disney about some special over christmas break to stay on property. I didn't look into it further because we're not going then, but I did immediately think that it's unusual to get deals over christmas!

I got that too! Found it surprising myself!

 

[Judique]

I took a minivan once it was 37.00 plus tip. I'd go with a regular lyft.

I agree. I was just doing it as a math example - twice the $40 bucks each way plus $76 plus tax is about $165 - as cheap as the moderate price.

 

[mhartman09]

Last minute trip advice....myself and DD3

AofA LM room (assumed) thru a PLE deal for $76/night...total $343.40. Never stayed here.

OR

Any other value around $120/night AP rate, Moderate $160-190 AP rate, AKL $256, YC $296/night.

My head always says save money (points) and my heart always says walk to the parks. I am so awful at making these decisions.

I'm probably in the minority here, but I'd totally do the LM room. That price is so great andi actually really enjoy AOA. I'd probably use the savings to do more stuff in the parks. Guess my obsession with the LM might make me a little biased though. I've never stayed in those rooms, but I've been inside and loved the theming. I know they are the farthest away at AOA, but the extra walking generally doesn't bother me much. I'd walk it to pay half the price of the mod options. Heck, that's almost half the price of the value option too!