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

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I'm now limited to 500 transfer daily
Wow that is a crazy low limit. I hope I don't have this once I try to transfer mine out. Great bonus but not great service at PNC. Maybe I'll set up bill pay and just pay my mortgage or a CC bill instead of transferring......
 
Today’s MR redemption...my daughter’s school had a Barnes and Noble Day where they give a % of sales to the school. Redeemed 10,000 MRs for a $100 gift cards (B&N is a 1cpp option). Wife/Kids are happy...school gets a little money...costs me nothing out of pocket...

Win-win-win-768x447.jpg
 
:offtopic: a little but really it is due to all these CCs/bank bonuses and accounts I now have. Just did mandatory computer/network security training at work. Realized my passwords really, really suck and I need to do something. In the last year for our 2 player household, I added 3 new Chase accounts (2 business and 1 personal); 2 Citi; 2 Barclays; 2 AMEX; 1 PNC; 1 5/3rd; 2 new AA; 2 new Delta. Plus all the accounts from before - regular bank, some stores. It is getting overwhelming and as I said I know I am not using super strong like they suggest. Asking if anyone uses a password keeper and would recommend. I just looked up PC Mags top choices but any first hand knowledge would be welcome to making my decision. TIA.

I use KeePass. I like it. I only have it on my laptop so I don't know if you can have it on more than one device. I've been happy with it. You can change how it generates passwords as far as length and symbols which is nice. I just copy the password from it and paste it in the login box. I've used it for years and don't need anything too complicated
 
Today’s MR redemption...my daughter’s school had a Barnes and Noble Day where they give a % of sales to the school. Redeemed 10,000 MRs for a $100 gift cards (B&N is a 1cpp option). Wife/Kids are happy...school gets a little money...costs me nothing out of pocket...

Win-win-win-768x447.jpg

My kiddo's school has an Amazon shop and earn link, so I split my Amazon clicks between supporting her school and DoC's good work.
 
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Ok maybe this is a stupid question.... for those who do checking bonuses. How and when do you get your money back out? I assume nobody gets checks, LOL. So do you pay bills with it, or do you just transfer it out? Other than maintaining the minimum balance, are there other considerations? I have recently opened one for my DD and so far, I haven’t done anything with it, but I was thinking I’d pay down a credit card, maybe. I do remember seeing something awhile back that said not to use different bank accounts to pay your credit cards, though, so that has held me back....
 
Wow that is a crazy low limit. I hope I don't have this once I try to transfer mine out. Great bonus but not great service at PNC. Maybe I'll set up bill pay and just pay my mortgage or a CC bill instead of transferring......
well it's def a lot slower than I expected... but it's not a ton of $ to move around so it shouldn't take me too long,I wish I had paid better attention before starting all of this it would have been easier lol
ETA......annnnnddd...... I just checked my accts..... so I initiated 1st transfer 2/22...it said it would get there on the 26th(!) and it shows as removed from PNC acct, but not in my 'proper' bank acct..... so it's literally in limbo! I've never seen a transfer process work like this before....in my past experience say with Cap1 acct a transfer to my bank takes 3-4 days, but it doesn't show as gone from Cap1 acct until the same day I see it deposited into my personal bank acct..... I don't think I'll play with this again once I'm done with PNC.:rolleyes1
 
You should keep going with it! Mine didn’t work like that. Only the one $5 from referring.
At some point I feel like I’m abusing the system though lol. I’m not sure what they could do beyond shutting down our accounts but I’m still a man of reason...
 
Dang, this $400 WF checking bonus is a sweet offer. I just opened one last month for the $250 bonus. My local CU push did not work for a DD this time around so I haven't gotten the bonus yet, but I did portion my real DD to put enough in my account to trigger the bonus terms. Wonder if I can pull everything and close the account before the bonus posts so I can sign back up with the $400 offer instead.
Nice. I just got rid of WF but I could open one for this!
 
I emailed David's to ask this question hust last week. According to the reply I received, they do not code as travel.
I emailed several DVC rental places back in 2017 before choosing one that same question and they all told me no, but the one I picked did. And someone on the Dis told me David's did for them too. Some were just really confused about what I was asking, one thought I was trying to use Disney Visa points.
For me, T&N is just too mushy with absolutely no side support (I’ve slid off it a few times!), and I sink when sitting upright. My wife likes the T&N but hates me complaining about it.
When I started reading the mattress posts, I thought hmmm I think Lain was getting a T&N. I've liked it so far. It kept me up for a week everytime I flipped over because it felt so weird compared to the old bed. I've never had any fancy mattress though, my mattresses were: waterbed, cheap basic set bc the boxspring/mattress colors didn't match, and $75 for a serta twin in college from an estate sale, still in the plastic. And the bed were were using was DHs queen from high school. DH was not a fan (though he's stopped saying anything) just always saying it feels weird and too firm (???) but after a few weeks was like, well I'm sleeping way better than I was on the old bed...
 
Dang, this $400 WF checking bonus is a sweet offer. I just opened one last month for the $250 bonus. My local CU push did not work for a DD this time around so I haven't gotten the bonus yet, but I did portion my real DD to put enough in my account to trigger the bonus terms. Wonder if I can pull everything and close the account before the bonus posts so I can sign back up with the $400 offer instead.
I was looking at this...
 
Ok maybe this is a stupid question.... for those who do checking bonuses. How and when do you get your money back out? I assume nobody gets checks, LOL. So do you pay bills with it, or do you just transfer it out? Other than maintaining the minimum balance, are there other considerations? I have recently opened one for my DD and so far, I haven’t done anything with it, but I was thinking I’d pay down a credit card, maybe. I do remember seeing something awhile back that said not to use different bank accounts to pay your credit cards, though, so that has held me back....

I transfer the money back to my hub account when I close the account.
 
I’ve been waiting to see how it went for you using your Air Bnb gift cards. So it went well for you? I got a $50 one with my 30% Chase offer at Staples in January, but then kinda got cold feet and haven’t bought any more, wondering if I wanted to spend on gift cards I wasn’t sure about how they would work out.




It is fun! When I see someone on another thread say something that disagrees with what someone on this thread has just posted (in that other different thread), I say to myself...I don’t know ‘bout that.
Yeah we started getting really nervous about those gift cards since we had bought so many and I’ve read so many issues with them. The main problem was adding them to my account. It wouldn’t work online no matter what we tried so we got the app and for some reason that worked. I think we also had to add a credit card to the account for it to work. They don’t tell you any of this.....you just get an error code when trying to add the gc and guest services is unwilling to help either.

They really do seem like a scam company, but I’m very happy with our home we’re staying in and the host is so nice! She has so many amazing reviews too. She was willing to give me her actual address months before we even booked because I wanted to know exactly where we would be staying so we could plan things to do. She also shared her email with me so we contacted that way too. She’s not Japanese but lives in Japan with her husband and son. She’s also a teacher like me so it should be really cool. I felt bad stringing her along about our payment but we wanted to keep getting discounted gcs and cashback from discover
 
Just finished running the Enchanted 10k and back at the room in Kidani waiting for coffee to brew. I'm wiped out. I trained by running in the cold and snow, which of course is not helpful when it's 73° with a dew point of 71°. Yuck. But after this and the 5k yesterday, I am done. DW is doing the Fairy Tale Challenge, so she gets the half marathon tomorrow.

I love reading this . . . I'm trying to drop some pounds and get back into running. Both DH and I did one of the first Everest Challenges many years ago - was so fun to go down for a quick weekend trip alone. At this point though, I'm deterred by the high race fees and super early start times. I might have to reconsider after I get my butt back in shape!
 
Yeah we started getting really nervous about those gift cards since we had bought so many and I’ve read so many issues with them. The main problem was adding them to my account. It wouldn’t work online no matter what we tried so we got the app and for some reason that worked. I think we also had to add a credit card to the account for it to work. They don’t tell you any of this.....you just get an error code when trying to add the gc and guest services is unwilling to help either.

They really do seem like a scam company, but I’m very happy with our home we’re staying in and the host is so nice! She has so many amazing reviews too. She was willing to give me her actual address months before we even booked because I wanted to know exactly where we would be staying so we could plan things to do. She also shared her email with me so we contacted that way too. She’s not Japanese but lives in Japan with her husband and son. She’s also a teacher like me so it should be really cool. I felt bad stringing her along about our payment but we wanted to keep getting discounted gcs and cashback from discover

How many gift cards were you able to load? I've wondered how that works and if there are issues. We may have to do an Airbnb for part of our Costa Rica trip if I can't get the rooms I want on UR (or the AA site now that I might actually use those points to fly).
 
I transfer the money back to my hub account when I close the account.
DD can’t wait that long to get her money as we moved part of her work DD to the new bank. Maybe I will pay one of my CC bills with it and then pay her back. I can’t remember which bank thought using multiple banks to pay the bills was risky behavior. Was that from the Chase shutdown scare or the Amex Rat activity. Seems crazy to me anyway. You’d think they would be happy no matter how they get their money. But I really don’t want to raise any red flags.
 
Just finished running the Enchanted 10k and back at the room in Kidani waiting for coffee to brew. I'm wiped out. I trained by running in the cold and snow, which of course is not helpful when it's 73° with a dew point of 71°. Yuck. But after this and the 5k yesterday, I am done. DW is doing the Fairy Tale Challenge, so she gets the half marathon tomorrow.

Congrats! The Princess Half-Marathon is on my calendar for next year.

Which brings me to the bad news that DVC took the AKV resale contract that I had bid on. While I was waiting to hear, I had decided that if Disney did take it, I would submit a bid on another contract. But I am more unhappy with Disney than I had expected I would be about what is totally a business decision on their part -- but I find myself now rethinking the whole DVC thing. The bed configurations of the DVC units has been the sticking point (I have four adult kids, including 3 sons over 6 feet, so sharing beds is pretty much not happening).

@striker1064 I am curious, is anyone sleeping on the fold-out bed? I'm assuming you're in a studio at Kidani? (Now just typing "Kidani" makes me want to go look at DVC resale contracts. I am a mess.)
 
Went through my AmEx Biz Gold statement to figure out what got 4x (since I can't get it to show up online). TurboTax (Intuit) counted under "select technology provider", which was what threw me off. Thought it was DD's school lunch at first since it codes restaurant (but nope, darn).

Kept being off by 4 MRs because I was adding up all the transactions including the cents. But MRs are awarded in whole numbers. Duh. :laughing:
 
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