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

[snugglebug]

My adult kids still want to travel with us too. We try to do one trip per year ourselves and one trip with kids. It’s getting harder to coordinate to get all three to go with us at the same time though because of work and school schedules.

I know that time is coming for us. DS1 missed all vacations for the past year since he was out of country. He came back just in time for Hawaii. The girls are headed to the east coast and probably won't go to DL if that trip happens, but are looking forward to WDW next December.

We homeschool so travel when we want except while dd was in college, worked around that schedule.

 

[GlamMistress]

My passport is off being renewed now. I freaked out during the hurricane last week because it and my marriage license are gone right now. Plus I got a postcard saying that I need to renew my driver's license this year and need to bring in both my passport and marriage license. Luckily they should be back before my license expires in November, but I just feel like I picked the worst time to renew it. I need my married name on my passport though so I can use my GE credit on my Plat. Plus the passport expires in March anyway so it needed to be done. Anyway, I understand feeling uneasy about not having your passport!

Yep mine expires in March. We're doing a cruise in Feb so there was no choice.

The next hassle will be going all the way back to the Global Entry office (which is at an airport 90 minutes from my house) to get my GE relinked. You would think that government could make things automatic.... but no. #RedTape

 

[Judique]

Well... that's annoying. Hopefully it doesn't extend to IHG. Our final IHG unrestricted nights posted right on anniversary date this year, 4/24/19. The only reason we kept them is $49 AF for a 40k night isn't too bad, but I was basically going to re-assess every year based on how IHG changes properties. That's going to be tremendously more annoying if they delay the certs.

If this helps my IHG $49 free night posted right on time on August 5th. (Give or take a day.)

Edited to add: I'm almost due for my free Hyatt anniversary night. My annual fee should post Oct 1, and I believe my anniversary is this week. Looking back at my statements, my first charge on the card was on Sep 16,2017 and I have a note that my anniversary is Sep 3rd, but, really that could have been an approximation as I usually start charging immediately on any new cards. So, I'll be signing into my Hyatt account daily looking for that night. As soon as it comes I'll be using it to book a July night next year in Ocean City. Can't risk them increasing the points required, so I'll book my usual weekend.

 

[elgerber]

Unfortunately, purchasing giftcards no longer triggers the credit on AmEx cards (since ~6/19). The best info seems to get shared on Flyertalk. Most of the data points now call for splitting payment on a Delta flight - keep the AmEx credit card payment < ~$200-250 to trigger the credit while paying the remainder of the flight with a Delta gift card.

Some braver and more knowledgeable souls are purchasing refundable fares with Delta miles, paying for seat upgrades with the AmEx card, then cancelling the fare and taking the refund in a travel credit. I'd probably only do this if I was really under a time crunch to use the AmEx credit.

I knew that was the case with the MR cards, but is it the case with the Delta Amex which is specifically a credit for your first Delta purchase, not a generic airline credit?

 

[trstno1]

Why, why, why, good that you have access but why the workaround... I'm off to check before I forget.

They are authorized users on most of my AmEx accounts (higher chance of receiving AmEx offers), and they have employee cards for my Chase Ink Cash account. All Amex AU cards are assigned their own account number, as are employee cards for Chase business accounts. These link to their own Paypal, RetailMeNot, and Dosh accounts. I can't use their cards to make in-store purchases, but it's useful for the occasional online gift card purchase when Dosh or RMN are running an online cashback offer.

 

[spacerangerqueen]

Yep mine expires in March. We're doing a cruise in Feb so there was no choice.

The next hassle will be going all the way back to the Global Entry office (which is at an airport 90 minutes from my house) to get my GE relinked. You would think that government could make things automatic.... but no. #RedTape

We are cruising in October. I am cutting it extremely close! Oh well, living on the edge!

 

[spacerangerqueen]

Just had a big vet bill yesterday for my cat. Was looking to do a bank bonus to make me feel better. Looked at my mailers and I just missed the targeted BOA offer I had, boo. Then tried yet again for the Chase bonus and was auto-denied again! Why do they hate me?? I mean they mail me a letter and tell me it's because my mortgage is too low, but I sure as heck am not taking on a bigger mortgage for a $300 bonus.

 

[brownhaired_girl]

Happy to say, I was able to pull up 50,000 SW in flight link during our flight this morning.

 

[trstno1]

Just an update, I used the last link above for my P2, which says 75k but is actually 65k after spending $4k in 3 months and ufortuntely poinsts did not post. I was able to secure a mailer for myself but not my P2 so I had to roll the dice and unfortunately it didnt' work out. She had no cards open at the time the card was approved on 8/1/2019. This was her 4th business application and first where the points did not post (1st time was public link, 2nd was mailer, 3rd was public link and 4th was public link). Seems to be a total crap shoot at this point. At least these are business apps that don't add to 5/24 and the inquiry is on the Equifax report which rarely gets pulled but it is still a punch to the gut to look at the statement, hoping to see 69k miles, only to see 4k !

I used the same offer, and I got the same result. It was also my 4th business app, and in the same order as your wife.

Wait, we're not married are we? (Checks on my wife, just to make sure.) Nah, I bet there's a bunch of us with similar closing dates. It will be interesting to see if anyone was successful with any of the other offers.

I empathize about missing the bonus. At the time that I applied, I thought Disney was dead on useAAmiles.com. Then Disney came back and I started fretting, knowing that I likely wouldn't get the SUB. Now that Disney may be gone again, I'm not sure how I feel.

 

[3 DD love princesses]

So it’s driving me crazy waiting to apply for the swa card. Need that more so waiting to get this before going for cip4. I need the bonus to post in Jan. When is the best time to apply in oct? I know I can’t spend on it till end of dec or Jan but I want to get the card to restart my 3 mo waiting period.

 

[Alice Sr.]

They are authorized users on most of my AmEx accounts (higher chance of receiving AmEx offers), and they have employee cards for my Chase Ink Cash account. All Amex AU cards are assigned their own account number, as are employee cards for Chase business accounts. These link to their own Paypal, RetailMeNot, and Dosh accounts. I can't use their cards to make in-store purchases, but it's useful for the occasional online gift card purchase when Dosh or RMN are running an online cashback offer.

That's impressive, wish I could get that wired. I kind of feel shame because I suck so bad at this hobby (comparatively speaking) despite the overwhelming support here. But on the bright side I have been able to take advantage of an amazing amount of deals and savings. I just wish I wasn't so sloppy and forgetful, makes me want to get a brain scan sometimes lol.

 

[Judique]

Well... that's annoying. Hopefully it doesn't extend to IHG. Our final IHG unrestricted nights posted right on anniversary date this year, 4/24/19. The only reason we kept them is $49 AF for a 40k night isn't too bad, but I was basically going to re-assess every year based on how IHG changes properties. That's going to be tremendously more annoying if they delay the certs.

I have a different perspective on the $49 annual fee. There isn't a hotel out there in the less than $49 range that I'm going to sleep in. With IHG, you can get double the value with the smallest redemption. I do a lot of road tripping so it works for me. When I hear people giving up this free night, I want to pay their fee and collect the night, lol! The only time I spend on the IHG card is at IHG properties, so it is an extra piece of plastic to maintain.

 

[Judique]

That's impressive, wish I could get that wired. I kind of feel shame because I suck so bad at this hobby (comparatively speaking) despite the overwhelming support here. But on the bright side I have been able to take advantage of an amazing amount of deals and savings. I just wish I wasn't so sloppy and forgetful, makes me want to get a brain scan sometimes lol.

You are pretty much describing me, but I am unabashedly (is that a word?) rolling along at my own pace and every now and again something plump and juicy falls into my lap. I'm pretty easy to satisfy, I guess. There is not a day going by that I could probably do much more with what I have to work with. I never feel shame as I'm doing me, whatever that is.

 

[Alice Sr.]

I just checked Credit Karma to see how much longer before some of my CC's drop off. CK indicates I am 1/24 but it is not showing my amex cards. I closed my biz and personal SW in April and only have 1 Chase biz. Would this be a good time to apply for both SW cards again? The new SW schedule opens this month and I need to book the family for our DVB trip in April. It would be nice to get double points and meet the spend at the same time. Just checking because I struggle with trusting myself, appreciate the 2nd pair of eyes.

 

[afan]

I just checked Credit Karma to see how much longer before some of my CC's drop off. CK indicates I am 1/24 but it is not showing my amex cards. I closed my biz and personal SW in April and only have 1 Chase biz. Would this be a good time to apply for both SW cards again? The new SW schedule opens this month and I need to book the family for our DVB trip in April. It would be nice to get double points and meet the spend at the same time. Just checking because I struggle with trusting myself, appreciate the 2nd pair of eyes.

You need to check another report to see your amex cards unless they are all biz. Chase cares about ALL personal cards nit just their cards.

 

[Alice Sr.]

I have a different perspective on the $49 annual fee. There isn't a hotel out there in the less than $49 range that I'm going to sleep in. With IHG, you can get double the value with the smallest redemption. I do a lot of road tripping so it works for me. When I hear people giving up this free night, I want to pay their fee and collect the night, lol! The only time I spend on the IHG card is at IHG properties, so it is an extra piece of plastic to maintain.

I agree but I just realized I let my last free night expire (another example of one of those inadequate moments) but on the bright side I had many free nights thanks to info I got here (100k sign up bonus) and part of a 2 month relocation package.

 

[Psychodisney]

Apparently, Chase is delaying posting anniversary FN certs on their Hyatt and Marriott cards by several weeks like Amex. I think we've had a few reports of that here recently.

https://www.reddit.com/r/churning/comments/czzb7v/_/ez9jd4r

And more DPs in the comments:
https://milestomemories.boardingarea.com/chase-anniversary-nights-are-taking-longer-to-post/
FWIW, my Marriott Premier Plus/Bonvoy Boundless anniversary is 8/8 and I received my 35k FN cert on that exact date.

Had my DH's AF for Bonvoy Boundless post on 9/1. According to my records, anniversary is October. No FN night yet. I think it's strange that his fee hit a full month before his anniversary date.

 

[palhockeymomof2]

So it’s driving me crazy waiting to apply for the swa card. Need that more so waiting to get this before going for cip4. I need the bonus to post in Jan. When is the best time to apply in oct? I know I can’t spend on it till end of dec or Jan but I want to get the card to restart my 3 mo waiting period.

I applied for one SW card 9/29/17....then the second 12/1/17....met the MSR in January 2018...to get two years on the CP

 

[palhockeymomof2]

I just checked Credit Karma to see how much longer before some of my CC's drop off. CK indicates I am 1/24 but it is not showing my amex cards. I closed my biz and personal SW in April and only have 1 Chase biz. Would this be a good time to apply for both SW cards again? The new SW schedule opens this month and I need to book the family for our DVB trip in April. It would be nice to get double points and meet the spend at the same time. Just checking because I struggle with trusting myself, appreciate the 2nd pair of eyes.

Chase 5/24 includes all open and closed personal cards....also the 24 month clock on getting SW bonus is from when your last bonus posted not when the card was opened
If you want to get the CP to cover 2020 and 2021 you need to get the bonuses in 2020

 

[Alice Sr.]

You need to check another report to see your amex cards unless they are all biz. Chase cares about ALL personal cards nit just their cards.

2 of my 5 amex are personal. But I did just (Monday) open a Nordstrom's card (I know, I have resisted Nordstroms and preached the sermon on department cards) but they have so many sales and deals tied to the card I balanced the points I was getting using say CSR vs what I would get for using the deals dealt out by Nordy and it just makes since for me, I said to myself). Any hoo, I did not have immediate regret so I think it was the right thing for me. The inquiry did not show on KC so maybe I have a small window to apply for both SW today?