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

[Judique]

I added the link to my message

Thank you! I had found it. was just being lazy.

 

[Judique]

http://l.e.hyatt.com/rts/go2.aspx?h...4794G|H100000965890210535804794G20190925VMDUS
Now you can book Lindblad through Hyatt.

 

[tink1970]

http://l.e.hyatt.com/rts/go2.aspx?h...4794G|H100000965890210535804794G20190925VMDUS
Now you can book Lindblad through Hyatt.

The cruise (the cheaper of the two to Antarctica) I looked at was priced at 800k-1.3M Hyatt points!. I guess it's a convincing argument against using and for hoarding but wow, just wow.

 

[alryan]

Has anyone been able to use two different accounts for Kroger? DH and I both have separate accounts, separate emails and logins, but it's like we are the same person. The fuel rewards that I just earned show up under his account. I see in the fine print is says one coupon per household. Anyone find a way around that?

 

[jhoannam]

This is no help, but like @vanjust14 said it's not too fast. Just yesterday I loaded $400 at one and finally had the nerve to ask to do another $500. At first the Serve card swiped and the VCG said declined. We tried again and this time the Serve card said denied. The cashier said maybe come back and try in a few hours. I didn't inquire more, but maybe there is a limit within a certain time frame. When I got home all was good with that Serve account and the VCG. Although the CG did have the $500 charge with a $500 reversal. I really hope it is just a daily store limit thing and not the beginning of the end for Serve. I was too busy to go again last night to try again.

I'm going to try 2 different locations today, I have $600 to liquidate and I want to get $1000 more from OD before the Staples sales starts on Sunday.

 

[alryan]

I'm going to try 2 different locations today, I have $600 to liquidate and I want to get $1000 more from OD before the Staples sales starts on Sunday.

I went back today. Loaded $500, tried to do $500 more and my cashier said it probably wouldn't work, because it thinks it's a duplicate transaction. She even tried going on a different register. Didn't work. But I've done two $200 loads right in a row many times. Maybe over a certain amount gets triggered. She said if it was a different amount she thought it would work. I didn't feel like splitting up my $500 so I didn't do it, maybe next time. At least at this point sounds like a minor inconvenience, but nothing too terrible.

 

[CyndiLouWho]

Anyone recently transferred URs to Marriott? How long does it take?
I transferred 20k UR last night, nothing in Marriott account yet.

After booking flights on SW yesterday, I canceled the Hilton booking I made with URs (used as a placeholder in case I couldn’t get anything else) got back my 77k URs. Then booked 2 nights at Ritz Carlton (50k FNC & 50k points) and 2 nights at Hyatt Centric (FNC & 15 k points) in NOLA

 

[DisMommyTX]

DD is flying SW today and coming home on Sunday. She's wanting to get a SW card - is applying during her flight still an advantage to using a link? This will be her first non-AU credit card. I guess it's an ok one to start with. She doesn't have a long earning history, but she does have a full time job after graduating from college this past May, so hopefully she'd be approved.

I think the in flight sign ups are still 50,000 points when you spend $2000 in the first 3 months. (Check onboard, because this is from memory)

The online sign up bonuses are:

Earn up to 60,000 points.
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn an additional 20,000 points after you spend $12,000 on purchases in the first 12 months your account is open.

Either war, the plus card with the $69 annual fee is a great choice if she flies SW. I would go for the 60,000 points, but the 50,000 one has a much lower required spend, which might better fit her lifestyle.

 

[AmyAnne]

Our 10k MRs got put in our account from our BBP spend. Dh and I can’t think of anything to use MRs on lol. If we only have like 13k what’s the best thing to do with them? I don’t see us getting another Amex for a long time so I’d rather just use it now

There's no harm in hanging on to them until something good pops up. When the recent Delta promotion happened, I was very happy I had MRs just hanging out in my account.

 

[AmyAnne]

DD is flying SW today and coming home on Sunday. She's wanting to get a SW card - is applying during her flight still an advantage to using a link? This will be her first non-AU credit card. I guess it's an ok one to start with. She doesn't have a long earning history, but she does have a full time job after graduating from college this past May, so hopefully she'd be approved.

Based on my kids' experiences, Chase wants to see 6 months - 1 year of independent credit history.

 

[Haley R]

Home Depot cards.....

Lol we’re more of a lowe’s Family

 

[Haley R]

Thanks everyone for your input. I guess for now we will just hold on to the MRs. We may need that extra money soon so might cash them out even though I know that’s not a great value

 

[Calfan]

I submitted our renewal applications for global entry last Thursday, and my DH has already been approved! No interview required, and his GE now expires on his birthday in 2025 I was thinking it was ironic that I actually did his app last of the 4 of us, and he is the first to have been approved. (The rest of us are still showing as pending.) But his birthday is actually the earliest in the year in our family (we go June, July, August and September for our bdays), so maybe he was processed first based on that. It will be interesting to see if my DS with the July bday hears next. Crossing fingers we are all approved for renewal so easily!!! I've also received the $100 credits on each of the 4 ccs I used to pay the renewal fees.

 

[Mswiza]

Has anyone been able to use two different accounts for Kroger? DH and I both have separate accounts, separate emails and logins, but it's like we are the same person. The fuel rewards that I just earned show up under his account. I see in the fine print is says one coupon per household. Anyone find a way around that?

My husband and I both have separate accounts and our fuel points don't mix. I don't think I did anything special other than use a separate email.

 

[AmyAnne]

Ok folks...I need some advice. After we pay our electrician through Plastiq, plus pay for a surprise CT scan, we will be finishing up our current MSR faster than expected. I don't know what to do next. We can't hit up Chase for a while, and I have no use for AA miles. I'm thinking maybe a Hilton biz for DH? We would use the points in Tokyo in early 2021. He is 2/24 and probably has a better shot at getting approved for an Amex card than me. I'm just not...excited about it? Haha, I think that's not supposed to be a criteria for picking a credit card but here we are! Anyone have any better suggestions? Preferably without a big AF...

I signed up for the RedCard thing and tried to open a Chase checking account too. They want me to go into the branch booooooo. Don't they know I'm a millennial and I hate human contact?

This is also meta but does anyone else feel kind of...burned out by the CC game? The stack of sockdrawered cards I have is getting ridiculous and I'm feeling overwhelmed by all the different bank logins and changing autopay on different bills and all accounts I have to manage in YNAB. Our next big points goal is Tokyo in late 2020/early 2021 and it feels sooo far away. Also I am very overwhelmed by being a new homeowner and having so much stuff to pay for (who was it who said "Welcome to the nightmare?" It's true!). Has anyone here ever felt the same way? Like simultaneously annoyed at the shuffle but also having serious fear of missing out on SUBs that get you free travel?

There are some business cards with decent cash SUB (Wells Fargo has one). AmEx is complicated now as you know, so I wouldn't sign up for an AmEx card unless you have a plan for continuing to put spend on it until you get another and/or close the first one.

I'm trying to cancel some of my sock-drawered cards and am focusing on using the cards I'm keeping, until I'm under 5/24 and can get a CIP. I'm even going to get into the Serve game to have more options.

ETA: If you are not avoiding personal cards because of 5/24, you could also consider a personal card with a good cash SUB.

 

[apollodi]

American Express is not making me happy. I am missing 20,000 referral Hilton points. I chatted and gave them all the information a few weeks ago. I chatted again and the investigation is over and they say the link wasn't used rightly. So nothing they can do. Since I applied for DH I know the link was used correctly. I know others have had this happen, with even bigger amounts and from what I remember it was a total hassle and some never got their missing points. Think it's worth a phone call? Or will I just be wasting my time and making myself more upset?

I'm in the same boat. I used DH's support link to apply for a Hilton card for myself at the end of July. My bonus points have posted, but his support points haven't. The terms say it can take 8-12 weeks. Once it goes past 12 weeks, I'm going to chat. Then, I'll probably try to get him to make one phone call but will likely leave it at that.

 

[apollodi]

Is anyone else having trouble with Chase's SM system? I want to cancel my CIC by SM. Every time I try to send an SM for my CIC account, though, there's no record of the SM at all. It's not in my sent box, and it's never registered or replied to by Chase. The SM system is working for my CIP though, because I used it to successfully lower my CL last week. Anyone have a workaround suggestion, or should I just call to cancel?

 

[mmmears]

Our 10k MRs got put in our account from our BBP spend. Dh and I can’t think of anything to use MRs on lol. If we only have like 13k what’s the best thing to do with them? I don’t see us getting another Amex for a long time so I’d rather just use it now

Just hold onto them. You may decide on another trip and then they will be there for you. Honestly I find MRs just as useful as URs, maybe more so at times when the transfer rates to the airlines have a deal going on.

Anyone recently transferred URs to Marriott? How long does it take?
I transferred 20k UR last night, nothing in Marriott account yet.

DH did this last year and I'm pretty sure it was around 24 hours or so. I know it wasn't instant like it is with Hyatt and the airlines we have transferred to.

 

[platamama]

Is anyone else having trouble with Chase's SM system? I want to cancel my CIC by SM. Every time I try to send an SM for my CIC account, though, there's no record of the SM at all. It's not in my sent box, and it's never registered or replied to by Chase. The SM system is working for my CIP though, because I used it to successfully lower my CL last week. Anyone have a workaround suggestion, or should I just call to cancel?

Thanks for mentioning this. I sent a SM this morning to close an account, but now I see no record of it in the "Sent" box either. I tried one more time, and it was the same thing. Acts like it got sent but there's no record of it. I think it's going to need a call.

 

[Haley R]

I just called Amex about a retention offer for my HH Biz card. She said they would offer a $25 statement credit. I'm not sure if that's enough reason to keep the card or not. We do stay at Hilton's sometimes, but not all the time and most of the ones we stay at come with free breakfast so not sure if we need to keep Gold status. What does everyone else think?

Also, she asked a ton of questions about my business.