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

[kandb]

I haven’t followed your comments throughout (I apologize). But if I was at 4/24 there’s no way I’d make a Barclays card my number 5 lol.

What card would you recommend?

 

[CaliforniaGirl09]

I think my kid’s favorite part was The Rock sat in the box seats right behind us! I definitely preferred the London cast over SLC. It’s just such a great show

That would have been so darn cool. Love him! I'll report back tomorrow. The NY originals will be hard to beat, but I'm sure London will be awesome.

 

[calypso726]

"You're right on how the points work for the Chase Sapphire Reserve credit card."

Glad someone on Chase's Twitter knows its own policies and programs.

For a brief moment I thought it was possible something changed and went to check the UR site. Even while logging on I knew there was no way statement credits would suddenly be worth 1.5 cpp without the entire blogosphere blowing up about it.

You're right on how the points work for the Chase Sapphire Reserve credit card. The Ultimate Rewards site inventory is updated frequently and without notice. We cannot say for sure if or when Disney properties might become available again. ^AA

This is just complete BS. Chase Support admitted in another tweet that Disney is not available on the UR portal because they made a business decision to remove redemption for Disney properties from the program.

As long as that decision stands, Chase can absolutely say for sure that Disney properties will not be available on their portal, and Chase can’t say they have no notice or control whether that inventory ever becomes available again because it’s their decision to include Disney or not.

Responded to that ad called them out on it too.

Don’t they have daycares at Disney? lol

They do and also reliable outside companies that typically do babysitting in your room. My DSIL used one of those when we took my nephew at 6 months old and we all did Keys to the Kingdom.

 

[calypso726]

I just checked again and wrote down all my open and closed accounts. I still only had 5 new opened accounts within the last 24 months and my scores are 797 and 810. I still don't know why I was denied from Barclays. Does anyone on here recommend me re-applying to Barclays in a few months after one of my cards goes beyond the 24 months, just in case there is a card I might be on with my husband (even tho I don't think so). Is my credit rating OK, or should I try to get it higher?

What card would you recommend?

Keep in mind that it is possible to have currently closed accounts that were open within the 24 month window. Barclay is also inquiry sensitive so if all your recent cards were TU that could be an issue. Personally, I would call recon for both you and your husband if this was a card you really wanted.

I agree with @SouthFayetteFan and would not make a Barclay card my number 5 card. The rule of thumb is to get all the Chase cards first. A team of Chase cards can really ramp up your earning potential. Earning UR points can be lucrative no matter what your goals are, be they straight cash back or luxury travel.

 

[palhockeymomof2]

OK, thanks to everyone who told me to go onto Credit Karma. I did my husbands credit report. He had a 819 and 820. He has only opened 4 accounts in 24 months. I really wanted to get the Barclays 70,000 bonus CC. Even on creditkarma, it said his chances were "poor" for getting approved??? Who the heck are they looking for to get that credit card? They rejected me (I have 797 and 813 credit score). I am looking for a good card with high bonus points. Just wondering what they are looking for if not someone with a high score? Is the chances of getting approved for each card pretty accurate on CreditKarma? I really like that website. Thanks for suggestion.

Does your husband have all the Chase cards ? URs can be used a lot of different ways....I’d go for their business and personal cards before the Barclays

 

[spacerangerqueen]

Decided to apply for the CIU yesterday since it's been a few weeks since I lowered my CL on all my cards and I have been without an MSR for awhile. Got the We need more time message. Then I got super busy and only had a few chances to check my biz account. Around 9pm I got an odd email from Chase about a change to my Mint connected accounts saying I had authorized all future accounts access to Mint (which I did several months ago as it was annoying to have to add in new cards from the same login) so I wondered if that meant approval. Still no new card showing up though. Finally called as I was getting into bed and, APPROVED!

 

[GlamMistress]

What card would you recommend?

Over on Reddit there is a sub called churning. There is a flowchart there that recommends the cards to get first and then in a particular order. Look it over. You need to figure out your husband's 5/24 level too. Don't apply for cards and add authorized users anymore because being an AU will count against 5/24 in Chase's eyes (which is crap, but I digress).

https://www.reddit.com/r/churning/c...ertext&utm_name=churning&utm_content=t5_2vrf0

 

[kandb]

Can someone suggest the best Chase business card to get?

 

[kandb]

Over on Reddit there is a sub called churning. There is a flowchart there that recommends the cards to get first and then in a particular order. Look it over. You need to figure out your husband's 5/24 level too. Don't apply for cards and add authorized users anymore because being an AU will count against 5/24 in Chase's eyes (which is crap, but I digress).

https://www.reddit.com/r/churning/c...ertext&utm_name=churning&utm_content=t5_2vrf0

Thanks for all the great info. Yes, I do think I signed him up as an AU on one of my cards but I am sure I never gave his SS#, so I thought it didn't count. Wow, that's annoying.

 

[palhockeymomof2]

Can someone suggest the best Chase business card to get?

The Chase Ink Preferred CIP...has a 80k UR bonus after spending 5k the first 3 months....
But in order to get it or any other Chase cards you need to be under 5/24

 

[palhockeymomof2]

Thanks for all the great info. Yes, I do think I signed him up as an AU on one of my cards but I am sure I never gave his SS#, so I thought it didn't count. Wow, that's annoying.

Yea....unfortunately AU count...I use to do the same thing before I found this group last year

 

[palhockeymomof2]

Decided to apply for the CIU yesterday since it's been a few weeks since I lowered my CL on all my cards and I have been without an MSR for awhile. Got the We need more time message. Then I got super busy and only had a few chances to check my biz account. Around 9pm I got an odd email from Chase about a change to my Mint connected accounts saying I had authorized all future accounts access to Mint (which I did several months ago as it was annoying to have to add in new cards from the same login) so I wondered if that meant approval. Still no new card showing up though. Finally called as I was getting into bed and, APPROVED!

Congrats

 

[Alexle2007]

Thanks for all the great info. Yes, I do think I signed him up as an AU on one of my cards but I am sure I never gave his SS#, so I thought it didn't count. Wow, that's annoying.

You can go through the process of having him removed as an AU. I did this when DH and I were initially starting to get more cards. I simply contacted the credit reporting agencies and filed a dispute that it was not DH's account. A couple of the agencies were super quick and have removed him within a day or two and the other one took a couple weeks.

 

[schmass]

I just booked a tour Sunday and it is coded as room only too. Still pending so could change. I think this is a recent change.

I booked the Toy Story Land EMM and that also coded as room only. I'm happy it did so now we can erase the charge (most of it, anyway) since I put it on the Arrival+.

 

[schmass]

I think I'm still having issues with my Marriott 7-night certificate being attached to my reservation. I can now see that the new certificate was ordered, and on my reservation it says that I have enough points for my stay (which I don't if the certificate isn't being used), but it doesn't show anywhere that I have a certificate attached. Does anyone know if this sounds right? Or should I call them AGAIN?

 

[Sarah_B]

Just checking what bridging tickets at Guest Services codes as : I’m guessing entertainment ?

 

[kandb]

The Chase Ink Preferred CIP...has a 80k UR bonus after spending 5k the first 3 months....
But in order to get it or any other Chase cards you need to be under 5/24

Can we call Chase to verify that my husband is under 5/24, before applying for the card? I am almost positive he is but he might be an authorized user on a few of my cards.

 

[speedyfishy]

limit. That’s why I decided to do the Epcot one...you have to be 16 or above to do the tour. We have to do everything we can without the kids this trip! @speedyfishy you should try to do one next trip.

I’m going in March with my grandparents and I don’t think they would be able to keep up with a tour (they refuse to get a scooter too) but in June we have a nice long trip with just SO and I and we were thinking about doing a tour. Which one do you prefer?

 

[palhockeymomof2]

Can we call Chase to verify that my husband is under 5/24, before applying for the card? I am almost positive he is but he might be an authorized user on a few of my cards.

I don’t believe you can...when your on credit karma...do the cards you think he may be an authorized user on show up...

 

[DisneyMandC]

Just an FYI- I didn't read the fine print and failed to notice that I had to go through the Amex link in order to get the cash back offer on Turbo Tax Just keep that in mind if you're planning to use it.