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

[platamama]

My AF on my Arrival+ just posted, so I'm trying to redeem my miles before cancelling the card. I have 12,231 miles and a travel charge of $177 that I want to redeem against. But, it's only giving me the option to redeem 10,000 miles against the charge, instead of the entire 12,231. Does anyone know of any way to get it to reset to allow me to apply all of my miles against the charge? I'd rather not call if I can avoid it.

I'm trying to recall from DH's Arrival+, and I'm pretty sure the Arrival+ only allows redemptions at $25 increments, i.e. 2500 miles, (after you've passed the $100 min.) So for you to reach 12,500 miles, you need to spend $135 on your card to get the miles to bring your balance up to 12,500. Then you could redeem $125 against your $177 travel charge. You would have 625 miles remaining balance in your account (from the 5% redemption rebate).

If you redeem the 10,000 miles instead, then you leave 2731 miles in your account (from the 5% redemption rebate added to your leftover miles). And would have to spend $3,635 in order to reach your next $100 redemption, since 10,000 is the minimum redemption.

I just hit the MSR on my Arrival+ this weekend and am waiting for the SUB to post. Then I could tell you for sure, but right now I'm going off of memory.

 

[apollodi]

I belive you can only redeem in amounts of 5k intervals, with 10k being the lowest, unless you can erase the charge completely. So you could do 17,700 miles if you had that, but not 12,231. This has been the case fir both of our arrival+ cards.

Grrr, thanks. Can I just say I don't like this card very much? They make it very difficult to bring the total number of miles close to zero to cancel. Can't imagine why lol. I knew I would leave my last 5% bonus behind but didn't want to leave more than that.

 

[speedyfishy]

That one employee that questions your license must call corporate and align all the discounts when they are inconvenient for you!

At least you had a good reason to miss the promo! Family, shower, and gifts sound fun!

Plus I made more “profit” having generous family and friends than I would have made MSing

 

[amalone1013]

@apollodi maybe this will work for you, this is what I did in a similar situation

My evil plan is working, muahhahahaha!

JK. But my Barclay Arrival Plus plan is.

Had $145.45 in points left.
5/16: Booked refundable hotel on Hotels.com for $145.23
5/18: Applied $145.23 in A+ miles towards charge
5/18: Cancelled hotel
Once the refund comes through, I will SM to cancel the card. Of course, after all of this I realized... My balance will be at $0! great! Except I already had to pay the AF so I will need to get a check from them for that. Was trying to avoid that and forgot, D'oh!

I had a $200ish hotel charge on there that I wanted to redeem those points against but was getting blocked at $125 in points. I just played on Hotels.com with refundable bookings until I got as close as I could to my points value without going over.

 

[palhockeymomof2]

Have you put any spend on your CIP2 since spend was met? We are on track with CIP’s; I’m up to apply for my CIP3 now too but have been worrying there is no spend on it. I really don’t want to talk to Chase about my business if I don’t have too.

Only eBay shipping fees which total about $20 each month

 

[Jen and Ashwin]

Since he’s fine calling have him call, agree if might not be a CL issue and could be ID verification.


This is setting off so many alarms. I would back off. Yes she asked you to help but I think she’s doing stuff she’s not telling you. And she’s making decisions without bothering to research stuff. As far as Barclays goes I’ve never heard of someone getting a Barclays response like that in error.

I would recommend 1 card, explain 5/24, that’s it. See how it goes, recommend something else if she asks again. I’m so sorry to be all downer but these really looks like it could blow up on your face

I don't think that is true. She said that she hasn't applied for any cards in more than 2 years and I believe that. So I am definitely going to tell her to check her credit report.

 

[vanjust14]

I swear Staples comes out with VGC promos at the worst time. I went home this weekend for my bridal shower in NY. I had no time to MS there because I spent the whole time catching up with family. Now I’m back home and unloading gifts and cleaning. I won’t have any time today to go MS. Hopefully I finish everything soon so I can at least get a few $200 cards.

I went yesterday and got $2000, then DH went in and got $2000 (DD was sleeping in the car). They were not happy with us because they had long lines for Labor Day/back to school. One of the cashiers was huffing and puffing. Then one of my gift cards didn't activate. That held up the line even longer

 

[speedyfishy]

I went yesterday and got $2000, then DH went in and got $2000 (DD was sleeping in the car). They were not happy with us because they had long lines for Labor Day/back to school. One of the cashiers was huffing and puffing. Then one of my gift cards didn't activate. That held up the line even longer

I’m so jealous of your $4,000 in one trip!! I wish SO would play along. Sorry the cashier was rude.

 

[speedyfishy]

Oh I started getting some of my ebates cashback from the last staples promo. I have like $38 so far I’m still missing some money. I hope they don’t shut me down but if they do oh well.

 

[Judique]

@Judique- Check your AmEx offers! I had one today for spend $100 get $25 back on WHBM on my Rose Gold card. I also have the extra 1 pt offer on that card from awhile ago.

I received 15 new and useless to me offers on my Gold. But not WHBM which I would have immediately bought a gift card with the offer, as I did last time. And the offer that really bugs me is the 'free plan it' offer for Neiman Marcus. Yes, I've shopped there but I sure as shooting wouldn't charge something there I didn't already have cash available to pay off right away.
They are targeting me with a lot of high value offers to merchants I've never used and won't use.

I did a clean out on my offers a couple of weeks ago. Added everything I could to a card I rarely use and added all restaurant offers to Rose. So now it's very easy to see the new stuff.

 

[vanjust14]

I’m so jealous of your $4,000 in one trip!! I wish SO would play along. Sorry the cashier was rude.

He thinks it is fun now, hahaha.

 

[Artygal90]

Noooooooo....

I got the 7–10 day message for my CIP#2 application. I don’t know what to do! I’m wondering if it is a CL issue. I thought I had reduced enough but maybe I didn’t. Should I call recon after work?

 

[havaneselover]

I received 15 new and useless to me offers on my Gold. But not WHBM which I would have immediately bought a gift card with the offer, as I did last time. And the offer that really bugs me is the 'free plan it' offer for Neiman Marcus. Yes, I've shopped there but I sure as shooting wouldn't charge something there I didn't already have cash available to pay off right away.
They are targeting me with a lot of high value offers to merchants I've never used and won't use.

I did a clean out on my offers a couple of weeks ago. Added everything I could to a card I rarely use and added all restaurant offers to Rose. So now it's very easy to see the new stuff.

I don't have it either and it's where I buy almost all of my clothes (except my jeans since they ruined the curvy jeans a few years back). I do feel like my offers of late have been kind of lame.

 

[SouthFayetteFan]

This is setting off so many alarms. I would back off. Yes she asked you to help but I think she’s doing stuff she’s not telling you. And she’s making decisions without bothering to research stuff. As far as Barclays goes I’ve never heard of someone getting a Barclays response like that in error.

I would recommend 1 card, explain 5/24, that’s it. See how it goes, recommend something else if she asks again. I’m so sorry to be all downer but these really looks like it could blow up on your face

I agree with this assessment. When I encounter somebody who wants my help but then the story starts to get murky and/or they won’t listen I just give very general advice and move on.

 

[WVMomof3]

Seeking advice, please. I made my min spend on my CIP which was opened 8/19. Trying to accumulate those URs to transfer to UAL MP. I'd like to apply for a CIP2. When should I do this? I have no EIN, can I get approved using the same ss#? OR would the UAL Biz card with 100k sign up bonus be better for me (offer ends Oct 12 I believe). I think we can make the 25k min spend in 6 months.

Mefordis cards:
10/28/17 - CHASE United Personal - 3
10/20/17 - BARCLAYS JetBlue Personal
11/17 - AMEX SPG Business* (Bonvoy)
12/11/17 - CHASE Freedom - 2
12/11/17 - CHASE Marriott Personal - 1
05/18 - AMEX Hilton Business*
08/18 - CHASE Marriott Business*
08/19 - CIP Business*

11/19/16 - Bank of America
06/3/16 PC CSP to Chase Freedom
05/18/12 AMEX Blue travel card
05/18/12 AMEX EveryDay AU
07/13/09 Chase Disney

** locked out of a Sapphire bonus until 2020 sometime,


Husband cards:
12/17 - BARCLAYS JetBlue Personal
01/18 - CHASE Sapphire Preferred
01/18 - CHASE Sapphire Reserve
03/18 - AMEX SPG Business*
05/18 - CHASE Marriott Personal
08/18 - CHASE Ink Preferred Business*
11/18 - CHASE United Personal

05/18/12 AMEX EveryDay

Is there a reason you are not looking into getting DH CIP#2? 80,000 SUB, plus 20,000 support from you +5000 from spend = 105,000 with only $5000 spend. I would not look into getting your CIP#2 until probably December 1, or at least 3 months from your recent app. 100k in UA points for 25k in spend is not a great deal.

ETA since CIP #1 is now a year old for him, I would cancel or downgrade that one so you are not paying $95 fee twice if you get him a new one.

 

[apollodi]

I'm trying to recall from DH's Arrival+, and I'm pretty sure the Arrival+ only allows redemptions at $25 increments, i.e. 2500 miles, (after you've passed the $100 min.) So for you to reach 12,500 miles, you need to spend $135 on your card to get the miles to bring your balance up to 12,500. Then you could redeem $125 against your $177 travel charge. You would have 625 miles remaining balance in your account (from the 5% redemption rebate).

If you redeem the 10,000 miles instead, then you leave 2731 miles in your account (from the 5% redemption rebate added to your leftover miles). And would have to spend $3,635 in order to reach your next $100 redemption, since 10,000 is the minimum redemption.

I just hit the MSR on my Arrival+ this weekend and am waiting for the SUB to post. Then I could tell you for sure, but right now I'm going off of memory.

@apollodi maybe this will work for you, this is what I did in a similar situation



I had a $200ish hotel charge on there that I wanted to redeem those points against but was getting blocked at $125 in points. I just played on Hotels.com with refundable bookings until I got as close as I could to my points value without going over.

Thanks to both of you and @orangecuse! @amalone1013, I have the $177 travel charge from a similar trick. I discovered by accident earlier this summer that, if I book an Allegiant flight using my Arrival+ and then cancel it within 24 hours, the charges post anyway (and are refunded on the same day) and can be redeemed against. Since I already did book-then-cancel, I'm going to try @platamama's suggestion and spend $135 on the card to get to 12,500 miles. I'll report back if it lets me redeem in $25 increments or if the threshold is higher.

 

[Artygal90]

Duplicate post

 

[mefordis]

Is there a reason you are not looking into getting DH CIP#2? 80,000 SUB, plus 20,000 support from you +5000 from spend = 105,000 with only $5000 spend. I would not look into getting your CIP#2 until probably December 1, or at least 3 months from your recent app. 100k in UA points for 25k in spend is not a great deal.

ETA since CIP #1 is now a year old for him, I would cancel or downgrade that one so you are not paying $95 fee twice if you get him a new one.

So you believe I should wait until Dec and apply for dh's CIP #2? He is 5/24 until Dec. Thanks for the advice to downgrade his CIP1. What do I downgrade it to? Thanks for the advice!!

 

[ten6mom]

Any opinions on whether it's OK to lower a credit limit on CIP#1 while I still have an outstanding balance? (The final payment should post today or tomorrow). Just not sure if it matters either way.

 

[amalone1013]

And fun times, that is on top of the fact that I need to chase down a $95 AMEX payment out of my Chase Checking from last Wed... that I cannot find on any of our AMEX accounts