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

[Alexle2007]

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.

Boo! Good idea on the GC. Did you do it online or in the store?

 

[Alexle2007]

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.

It's fine. I just did that on my CIC the other day without any problem.

 

[bernina]

Ugh. P2’s CIP #2 is now saying 7-10 business days. Should I have him call in to see if they need credit moved around? He has $5K on an old Chase Ink Plus that can be closed and a $10K line on a Hyatt card that could be lowered to $5K. I did proactively lower his limits several months ago. Why is it always P2!!

Confession time. DH just called in and apparently I used my SSN on the application on one of the fields

They asked him to resubmit the application so I used my referral link again and just applied. Instant approval with $6K credit limit. Whew!!

 

[amalone1013]

Ok... so the good news is, I tracked down the $95

The bad news is, it was the payment for my Hilton Biz AF, for some reason it never posted to YNAB so I didn't realize it had come around. I usually get in at least once a week and compare all accounts to YNAB, because Discover is really bad about importing for some reason, but I must have missed this one.

AF posted Aug 11 so at least I have 8 more days to cancel Downside I have 38310 Hilton points so I am tempted to spend another $230 on the card so it is a nice number to pool them all into DHs account... but I know that's probably not worth it with the value on Hilton points and the ability to do points plus cash there.

 

[KPK02090]

I'm thinking about going for a Hilton Biz. The current offer is 125K points with $3,000 spend in 3 months. I'm kicking myself that I didn't go for it last week. I feel like I need to take a break from chase for a little bit. And I can see some uses for Hilton points in my future.
I know it's not as good as the previous offer, but is it an ok offer? I'm guessing it'll be a while before they increase it again, since it just ended.

05/18	Chase Ink Preferred - closed 6/19
08/18	Chase Sapphire Reserve - planning to PC to a CF by the end of 09/19 (after travel credit resets)
08/18	Chase Sapphire Preferred - planning on cancelling 09/19
11/18	Southwest Rapid Rewards Plus
01/19	Southwest Rapid Rewards Premier Business
04/19	Chase Ink Preferred 2nd
06/19	Barclay Arrival Plus
08/19	Southwest Performance Business

 

[WVMomof3]

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!!

Shoot, sorry that I missed he was 5/24. I guess you can apply for either one of you in December, both if you can spend $10,000. You can cancel his or downgrade to a Ink Cash (CIC) or Ink Unlimited (CIU). I would wait until December for Chase. If you need something in meantime, an Amex biz or citi AA biz maybe?

 

[SouthFayetteFan]

Shoot, sorry that I missed he was 5/24. I guess you can apply for either one of you in December, both if you can spend $10,000. You can cancel his or downgrade to a Ink Cash (CIC) or Ink Unlimited (CIU). I would wait until December for Chase. If you need something in meantime, an Amex biz or citi AA biz maybe?

I'm not sure how he's 5/24 unless a card was missed. It looks like he's 4/24...

EDIT: I'm dumb. I was looking at the upper list and didn't even pay attention to the husband comment and realize that the lower list was for the husband. LOL - I should hold my thoughts unless I actually want to read these comments in detail, haha!

 

[disneybirds]

FYI with all those with Amex Plat + other flavors, Ive been seeing quite a ton of nice retention offers... the best one being 50k MR with 0 spendings. has also seen this 50k MR with $xxxx spendings too. Confirmed to be offered on the Schwab card and personal card.
have not heard of anything for the biz plat yet.

I called for the Biz Plat today and was told 5K plus another 5K if I spend $3K in 3 months. My annual fee doesn't post until 10/25 so he suggested I call after the fee posts. With the fee increase to $595, you would think plenty of people are cancelling and they would have better offers.

 

[amalone1013]

I sold another Ebay item last night. So funny, other than the item that I was a slacker about listing that sold right away, I have these other two things that have been listed for months and then finally sold within a week of each other.

 

[SouthFayetteFan]

I'm thinking about going for a Hilton Biz. The current offer is 125K points with $3,000 spend in 3 months. I'm kicking myself that I didn't go for it last week. I feel like I need to take a break from chase for a little bit. And I can see some uses for Hilton points in my future.
I know it's not as good as the previous offer, but is it an ok offer? I'm guessing it'll be a while before they increase it again, since it just ended.

05/18	Chase Ink Preferred - closed 6/19
08/18	Chase Sapphire Reserve - planning to PC to a CF by the end of 09/19 (after travel credit resets)
08/18	Chase Sapphire Preferred - planning on cancelling 09/19
11/18	Southwest Rapid Rewards Plus
01/19	Southwest Rapid Rewards Premier Business
04/19	Chase Ink Preferred 2nd
06/19	Barclay Arrival Plus
08/19	Southwest Performance Business

So a few thoughts:

• Do you have a P2 who hold any Amex cards that you could use a support link? That would bolster your earnings from this one application. If not - you could consider using a DISchurners link
• Are you aware of the pitfalls of the Amex RAT? Are you prepared to meet this MSR methodically over the course of a couple of months and then continue put regular recurring spend on this card? If not, you could be "one and done" with Amex (a victim of the popup message).
• The offer itself is a fairly good offer and of course, since it won't affect 5/24 you're good there. With Amex and one bonus per "lifetime" you want to make sure you're going for their best offers when you pull the trigger. I don't know enough about the history of Amex Hilton Biz offers, but this one doesn't seem bad in my opinion on the surface.

 

[palhockeymomof2]

..

 

[BamaBoy]

Where are you booked?

I’d agree with you 1000%. Just saying I grew up not running from cat 2’s. Most tend to be situations you can ride out at home. Back when Ike hit Houston, more people died in the evacuation than from the storm itself. Deciding to evacuate requires a lot of planning and time so that’s important to consider. However I’ve watched hurricanes long enough to know they can blow up at the last minute. Always be prepared with a plan in place!

Figured you were a weather guy after your last post about the storm lol! Where’s @BamaBoy to give us his analysis?!

I have been away from the board for a good while. I am a football broadcaster as well and football season is kicking my butt right now. I will say, this is the most unique hurricane in some ways that I have seen.

Trying to plan a trip to London next summer, so I will be back on a good bit looking for advice soon!

 

[Judique]

Boo! Good idea on the GC. Did you do it online or in the store?

I did it online.

 

[palhockeymomof2]

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 walked into Staples yesterday....and walked right out...the line was to the back of the store with everyone getting their kids back to school supplies

 

[Haley R]

We just got to Epcot. It’s pretty darn busy compared to our mk day yesterday. I’m very surprised

 

[speedyfishy]

I walked into Staples yesterday....and walked right out...the line was to the back of the store with everyone getting their kids back to school supplies

Nothing like waiting until the last minute.

 

[palhockeymomof2]

Confession time. DH just called in and apparently I used my SSN on the application on one of the fields

They asked him to resubmit the application so I used my referral link again and just applied. Instant approval with $6K credit limit. Whew!!

Congrats

 

[afan]

@Lain @ten6mom my friend found the shirt in tomorrowland. Thank you both!

 

[alryan]

I just got emails from rakuten (ebates) that my offers at Staples tracked. These are the ones from early August and were clearly on the no fee VGCs I got then. Did anyone have any trouble with these, taken back or account shutdown? I remember someone pointed out GCs were excluded. It was so long ago, I just assumed they didn’t track due to gift cards.

I got that too. I had two other gift card purchases from that week that originally tracked, but then disappeared after a few weeks. I'm thinking the same will happen with this one.

 

[amalone1013]

Chase says my Discover account was frozen and that is why the payment was returned

This all sounds like nonsense as neither bank informed me that there was an issue with my payment... Chase did not tell me it was returned, and Discover did not tell me they denied it