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

[palhockeymomof2]

Aaaaand Dh was approved for CIP #2! What a good night!

Congrats to you and everyone else who had the CIP approved overnight

 

[Ngwira]

Congratulations on all the CIP approvals

 

[liloca]

Used our credit at Swan last week. Charged dinner at Fountain to our room, plus snacks from Fuel and the resort fees, for $270. Checked out Thursday, I think the charge posted yesterday, the credit posted today. Also spent $11 at Java Bar but they wouldn’t let me charge to the room (which T&C say is necessary for credit) but got the credit for that also. Lastly spent $17 at the Springhill at Marriott Village on snacks for the flight home, waiting for that to post.

Baking is more science than art, so I make DS follow the directions and measure accurately. He loves math, so the measuring and numbers is fun to him. For the cake he made with his cousin, I did have to supervise to avoid fighting. I divided the jobs, one measured liquids, the other dry ingredients, etc. The recipe required caramel made from scratch, which I did because 2 ten year olds and boiling sugar was too risky for me. The chocolate cake was delish and I would make it again. The rainbow cake everyone agreed tasted like Fruit Loops, which is not my preferred flavor profile.

The funny part is that I am a scientist and work in the lab doing precise measurements, so when I get home I do not measure anything and I can never follow a receipt! I always add/take something

 

[punkin]

OMG! TAXES! This year was a double whammy! I have one less dependent and the new tax laws killed us. Might consider paying some interest to put the taxes toward some spend.

 

[speedyfishy]

My first Citi inspirational message!!

"May this year bring new happiness, new goals, new achievements and a lot of new inspirations on your life. Wishing every day of the month to be filled with success, happiness and prosperity for you, Happy April!"

 

[apollodi]

That was going to be my suggestion Fidelity seems to trigger a lot of other banks, I think most have luck with it coming from the brokerage account but I think I saw some where even the cash account worked. With it not having any minimum balance or activity fees that I recall it seems a handier account to keep.

To add to this, I'm also keeping my Fidelity account because it seems like a pretty good account for occasional overseas travel. It's not as good as a Schwab account, but I don't have one of those. Since we don't travel often internationally, it doesn't seem worth it to open a Schwab account just for that.

 

[la79al]

Okay, don't laugh at me but I only have 1 credit card that I have had for probably 10 years (and I swear I'm not like 80 or anything like that). Anyhow, I have finally given in to DHs request to fly to FL next year. Today I plan to apply for the Chase Southwest card. I just want to make sure that when I get the 40,000 after I spend $1000 in the first 3 months that I can then use those points to book flights for me plus a few of my kids. DH has the card already and probably has enough on his card to cover 2 flights so I'm hoping to cover the other 3.

 

[GZanta77]

Can someone remind me....can the CIP by canceled by SM?

 

[wed100105]

Congrats on all the CIP approvals last night!

 

[DisneyMandC]

Can someone remind me....can the CIP by canceled by SM?

Yes, I canceled DH's that way last month.

 

[Judique]

Okay, don't laugh at me but I only have 1 credit card that I have had for probably 10 years (and I swear I'm not like 80 or anything like that). Anyhow, I have finally given in to DHs request to fly to FL next year. Today I plan to apply for the Chase Southwest card. I just want to make sure that when I get the 40,000 after I spend $1000 in the first 3 months that I can then use those points to book flights for me plus a few of my kids. DH has the card already and probably has enough on his card to cover 2 flights so I'm hoping to cover the other 3.

Nobody is laughing! We are all jealous of your open book to get great cards and future benefits.
However, we think you can aim higher for your flights. There is the possibility of a companion pass since you need 5 flights. And, since you are aiming for next year, could you tell us when next year you are planning on traveling?

Editing to answer your question - yes you can book flights for anybody you want to.

 

[miztressuz]

To add to this, I'm also keeping my Fidelity account because it seems like a pretty good account for occasional overseas travel. It's not as good as a Schwab account, but I don't have one of those. Since we don't travel often internationally, it doesn't seem worth it to open a Schwab account just for that.

Yes! Another great point.
I can't find the discussion I thought I read on r/churning that compared the two for exchange rate but I did get a comment with suggestion for a blog post that compared them side by side. - https://www.gocurrycracker.com/international-atm-bonanza/

Basically for ATM access they both work the same it seems. I don't think you could go wrong with either for the occasional trip. Either one seems to be a handy account to have and with no fees it doesn't hurt to just put in it in the back pocket until you need it. I guess the one difference, if you care about this sort of thing, Schwab gave free checks.

 

[hsmamato2]

Back from a wonderful spring break trip to Maui. Wailea Beach Resort Marriott is awesome, even DH (who says he doesn't like Hawaii) liked it. The only thing I would change about the trip is to stay longer!! Being Plat didn't do a whole lot for us since the hotel was sold out because of spring break, but we used our daily continental breakfast coupons at the on-site Starbucks and paid $2-$3 upcharge to get sandwiches instead of the daily pastry. Each coupon was worth about $25-30 I figure, so that was nice. I used URs to book United tickets, whale watching (saw whales breaching very close to us!), Molokini snorkeling, and a luau. Marriott points covered the hotel (I attached a Cat 8 travel certificate before 8/18/18). I used 2 x $200 in Courtyard gift cards (purchased with the Amex Offers) to pay for resort and parking fees. Car rental was paid with DH's new Arrival+, so I should be able to erase that charge. I'm still waiting to see the balance post to my Brilliant (aka Lux), but thanks to @DisneyMandC's posts (I read DIS when I could!) I was able to load the Marriott Amex offer to my card. I left the bill with a $309 balance to be paid on it, and since my card anniversary was on 3/27, I'm expecting to see a $340 credit ($300 Brilliant credit + $40 Amex Offer). I failed at getting our Econ Plus seat upgrade covered with the Arrival+ because United charged each seat separately, so even though it appeared that the charge would be over $200 for the 3 seats, because of the way United processed it, each charge is under the $100 threshold for Arr+ travel redemptions. Blech. On the bright side, I was able to chat with Amex to change the airline on DH's Amex Gold to United, so our checked bags were free.

Today being April 1, and in celebration of being 4/24, I applied for CIP #2 thru DH's CIP link, and was instantly approved! This is my 4th Chase Biz card, and I still have CIP #1 opened from 6/2018. I lowered my CLs to about 50% HHI a couple weeks ago, and I did end up using my middle initial because I'd been getting mail from Chase to open up a CIP addressed to me with my middle initial. Next, I'll get the CIC for DH then I can cancel my CIC and go for a new CIU in a few months.

Sounds lovely I firmly believe that "my" Wailea Beach resort is the most perfect place in the world....

 

[Lain]

Okay, don't laugh at me but I only have 1 credit card that I have had for probably 10 years (and I swear I'm not like 80 or anything like that). Anyhow, I have finally given in to DHs request to fly to FL next year. Today I plan to apply for the Chase Southwest card. I just want to make sure that when I get the 40,000 after I spend $1000 in the first 3 months that I can then use those points to book flights for me plus a few of my kids. DH has the card already and probably has enough on his card to cover 2 flights so I'm hoping to cover the other 3.

Don't pull the trigger on the 40,000 offer! There is a better deal for 50,000 out there. Yes, you can use these points to book flights. If you're willing to take it a step further and sign up for another card, you can score a Companion Pass so someone else flies free with you.

 

[Haley R]

DH approved for CIP 2!! Looking forward to 110k URs coming away ($2500 of the MSR will be a travel charge, so 3x). Already sent an SM asking for the card to be expedited.

As DP info: I applied for this card for him 28 days after closing his first CIP. His only other Chase biz card is a CIC and he has 3 personal cards.

Can you expedite the card for free?

 

[palhockeymomof2]

Okay, don't laugh at me but I only have 1 credit card that I have had for probably 10 years (and I swear I'm not like 80 or anything like that). Anyhow, I have finally given in to DHs request to fly to FL next year. Today I plan to apply for the Chase Southwest card. I just want to make sure that when I get the 40,000 after I spend $1000 in the first 3 months that I can then use those points to book flights for me plus a few of my kids. DH has the card already and probably has enough on his card to cover 2 flights so I'm hoping to cover the other 3.

You are 0/24...so all options are open to you....since you fly SW I’d suggest getting the. Companion pass by opening a SW personal and business card to acquire 110,000 RR points in 2019...then you have the CP for 2019 and 2020...there are links to a SW 50,000 bonus on this thread somewhere

Depending on how much you can put on a card in 3 months...I would also look at Chase UR earning cards....Ultimate Reward points can be transferred to SW, used to book hotels etc

 

[palhockeymomof2]

Can you expedite the card for free?

Yes

 

[miztressuz]

Okay, don't laugh at me but I only have 1 credit card that I have had for probably 10 years (and I swear I'm not like 80 or anything like that). Anyhow, I have finally given in to DHs request to fly to FL next year. Today I plan to apply for the Chase Southwest card. I just want to make sure that when I get the 40,000 after I spend $1000 in the first 3 months that I can then use those points to book flights for me plus a few of my kids. DH has the card already and probably has enough on his card to cover 2 flights so I'm hoping to cover the other 3.

Yes, you can use the points to book a ticket for anyone.
Have you looked into the companion pass? For one flight it may or may not make sense, but if the only reason not to fly is the cost, then getting a lot of points plus a free ticket for every trip for up to 2 years can be useful.

The 40k offer seems to be fairly standard now but there's offers for 50k that come around for slightly higher minimum spend requirement and can be useful for earning that companion pass. I'm considering it for just a couple trips. If you might be interested there are links for the 50k for 2k in spend offer that are still good.

 

[hsmamato2]

OK....PNC transfer to my bank...... I inititated transfer on 3/26 (or was it 3/22?) it finally shows as taken out of my acct on 4/1 (so slow!!!) however no indication yet of any incoming deposit in my bank acct..... how long does this take before I get concerned? (so essentially my $ is nowhere at the moment)
ANother question -Discover cashback.... I 'sent' that to my bank acct on 3/22..... nothing shown yet..... am I being impatient? I'm always concerned when my money seems to disappear like this....thanks!

 

[DisneyMandC]

Can you expedite the card for free?

Yes, I've SMed almost all of my Chase cards and they've never made me pay. Chase just messaged me back saying the card was being expedited.