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

[DisneyMandC]

Ibotta is hit or miss. Three times this week I've gotten $7 for buying seven lean cuisines (which are on sale at Kroger for $1.77)--easy lunch for me for work. One month I hit a bunch of bonuses without really trying and I saw how people got sucked in. But then I lost interest

It's hit or miss for me too. My mom does great with it, but she eats a bunch of bizarre stuff and a lot of organic products. I don't think I've ever hit one of the bonuses, but she's always managing to get them.

 

[Alexle2007]

Did anyone do the AT&T offer with Chase yet? Two transactions of $15 and get $40 back? I did a $20 and a $15 purchase on AT&T a week ago and the offer has disappeared from my Chase card (isn't showing up in redeemed yet either). Maybe just slow Chase offers, just didn't know if anyone else had gotten a credit. Tried to search on r/churning but couldn't find anything.

DH has it on his Freedom but I still need to complete the AT & T transactions. I was just going to do $20 and $20.

 

[speedyfishy]

important question is, which game?

Super Mario bros for the Switch. We got it cheaper on Amazon.

 

[Calfan]

Whew! Just caught up on the last 4 pages of the old thread and the first 8 of this one! Adding my thanks to SouthFayetteFan for starting this new thread and for the great first few posts of helpful info.

I wasn't able to quote messages from the old thread this morning, so going off of memory on a few things that caught my eye:

For grocery gift cards on Amazon, I thought it might be helpful to let folks know that Albertsons gift cards can be used for all of the following grocery store banners that are under the Albertsons umbrella: Albertsons, Safeway, Carrs/Carr Gotstein, Randalls, Tom Thumb, Haggen, Acme, Star Market, Shaws, Jewel/Jewel-Osco, Vons, Pavilions. United Supermarkets, Market Street and Amigos.

I checked DH's SW account this morning, and the 60K bonus points for his SW Biz, plus the base points for the MSR are in there! What puzzles me is that the 2K base points for the spend on his Priority are also in there, but not the 50K bonus points, and the spend was met for both cards on the same day. I've decided to be patient (not my strong suit, lol), for another week or so and see if they show up before SMing. I do have a print-out of an SM from Chase confirming that the 50K offer is associated with DH's Priority and that he has until Feb. 18 to meet the MSR to get the bonus.

Too funny about all of the HP philharmonic posts. I heard something on the radio on my drive to work this morning about the Boise Phil doing HP and the Chamber of Secrets tomorrow. DH is going to check with the kids to see if they are interested. Looks like tickets are still available for the matinee and evening shows.

Someone on the last thread talked about doing it then decided against it because you will get a 1099 for the cash value of the points. So you will have to include it on your taxes. That is only downside I think. You get them for all bank bonuses, but I think they thought not worth it since this is not cash. YMMV on whether that bothers you.

This was me. My concern was having read something that indicated that the value per point that Chase uses for the 1099 is higher than we all might value a UR, and paying taxes on an inflated value doesn't sit well with me. Plus, when it comes down to it, I'm just reluctant for some reason to quit BofA (and I'd essentially need to move accounts from BoA to Chase to meet the requirements for the bonus).

 

[trstno1]

If I were in your shoes, I would go with your 3rd option and apply for the CFU. Once your DH's CSP has reached the 24 mo mark from opening, then add yourself as an AU to his CSP and it will not count toward your */24. I have noticed this with Chase cards, that AUs are dated on the credit report as the date that the primary holder opened the account (in my case I saw this with two Chase cards). That way you'd have a CSP in your name that you can use as well (though a lot of places don't check IME). I'm planning on this technique for adding DH onto my CSR. When I did that before, I noticed that it got reported as opened on the date I opened my CSR, not the actual date that I added him as AU. I removed him as AU last year in order to drop a card off his */24 status, but plan on adding him back after I pay my CSR AF. I'm doing it in that order, because from the last time I added him as AU, I was only charged when my CSR renewed (7 mo later?) and not when I added him. So I'm hoping to just pay my $450 AF, then add him back in and not get charged the $75 AU fee until next renewal. The CSR is a keeper for me.

ETA: And cancel your CSP, forgot to add that in.

I'm going to post a counter data point, and ask if someone out there can clarify. I opened my CSP in 8/2016. My wife was added as an authorized user in 2/1017. I think it it still counts against her 5/24 and shows up on her Chase credit journey with an opening date of 2/2017.

I'm replying again, because I believe I was mistaken. I just checked Credit Karma, and Chase Credit Journey, and @platamama is correct. The opening date for my wife's authorized user card is the same date that I opened the card originally.

 

[Alexle2007]

New thread looks great! Thanks for setting that up SouthFayetteFan.
Quick question, DH got the Discover savings account bonus a few months ago. Can I also open one in my name for the bonus? I would move the money from his to mine. I'm assuming it's fine, but wasn't sure about same address etc.

Should be fine. I opened up individual Discover savings for both DH & I in late 2016 with no issues whatsoever. But I was putting in money from external accounts, not from one Discover account directly to another, so in your case I would transfer money as follows your account > external account > his new account.

Discover isn't limited to household, you can each get it. I concur with @platamama , it'd be easier if it came in as new money. I found it faster for mine to setup initial funding as a small amount, like $50, then setup another transfer for the large balance. I got both within a few days and the bonus posted next day - 5 business days total between opening and bonus because we were fortunate enough to have the full amount in cash still, so I only needed one transfer.

Will Discover let you transfer directly in that manner without it being a joint account? I tried my darnest to figure out how to do that in Dec but in the end just ended up transferring funds from our credit union account.

 

[elgerber]

But when is the feb flight? It's not only your miles but what they are going to do about the other persons flight. That person needs to know if it's getting cancelled. I know we shouldn't feel bad for them, they used miles that weren't theirs (if they even understood that part since we don't know who's at fault) but if it's AA's fault why should the other person lose out too. I don't see why it should take 4 weeks, I would think they would want to resolve this more quickly than that and I'd be pushing for a resolution and something to help make you whole. What if you'd needed to book with those points for a flight within that 2-4 weeks or even if your flight opened up at 330 and now you can't book it. For me it comes down to it's a currency and you don't mess with my money regardless of the form it's in and I'm impatient.

The Feb flight is 2/21. I wonder if they will just somehow let her keep it? She has $34k of her own miles in my account, so she'd be short $51k. So frustrating. I wonder how she even knew my miles were there to begin with? I am still signing in with my password, which I have changed twice, so she doesn't have online access.

 

[trenty]

If I were in your shoes, I would go with your 3rd option and apply for the CFU. Once your DH's CSP has reached the 24 mo mark from opening, then add yourself as an AU to his CSP and it will not count toward your */24. I have noticed this with Chase cards, that AUs are dated on the credit report as the date that the primary holder opened the account (in my case I saw this with two Chase cards). That way you'd have a CSP in your name that you can use as well (though a lot of places don't check IME). I'm planning on this technique for adding DH onto my CSR. When I did that before, I noticed that it got reported as opened on the date I opened my CSR, not the actual date that I added him as AU. I removed him as AU last year in order to drop a card off his */24 status, but plan on adding him back after I pay my CSR AF. I'm doing it in that order, because from the last time I added him as AU, I was only charged when my CSR renewed (7 mo later?) and not when I added him. So I'm hoping to just pay my $450 AF, then add him back in and not get charged the $75 AU fee until next renewal. The CSR is a keeper for me.

ETA: And cancel your CSP, forgot to add that in.

Maybe....also thinking of cancelling my csp and reapplying at 48 mos mark for the bonus.....

 

[trenty]

I’d apply for the CFU...for the bonus URs.

Cancel your CSP..if you don’t want to pay the annual fee.......since you have a CF and a CFU...you can always PC one of those back to a CSP if Chase takes away UR transfers between people...

Thanks.

 

[snugglebug]

Love having a new thread!

Chase Offers: When does the offer disappear? I'm hoping my staples.com purchase triggered the offer, the charge has posted, but the offer is still showing as "added".

 

[trenty]

The way I think of the having multiple CFs vs. the CF/CFU combination is: For quarterly categories where you can buy GCs (in 2019 alone, there's at least two quarters between drugstores and grocery stores at a minimum), particularly VGCs/MCGCs, I think having multiple CFs can generate URs faster than a CFU.

Obviously, there are a couple extra steps, but it's up to the individual to determine if the individual steps are worth the incremental UR on each purchase. CFU earns a flat 1.5x UR. If I bought a $500 VGC/MCGC at a drugstore or grocery store for everyday spend, stripping out the $5.95 purchase fee, the 5x UR is now effectively 3.8x UR/dollar spent > 1.5x UR from the CFU. Again, this doesn't preclude you from still signing up for a CFU, just food for thought.

This makes sense. But I don't (can't) spend this way. I just use CC for regular everyday spend as it occurs.

 

[platamama]

Maybe....also thinking of cancelling my csp and reapplying at 48 mos mark for the bonus.....

If you cancel your CSP, and add yourself as an AU (according to the time line I suggested), that won't make a bit of difference for your own churning of the CSP in 48 mo from when you earned your CSP bonus (as the rules currently stand). I would get the bonus URs from the CFU while the gettin's good.

 

[kidsfirsttrip]

Putting this little gem in the back of my head!

I wonder if you could remove him when the fee posts and re add? Does he get any benefits like priority pass for himself or global entry?

 

[PolyRob]

Love having a new thread!

Chase Offers: When does the offer disappear? I'm hoping my staples.com purchase triggered the offer, the charge has posted, but the offer is still showing as "added".

I would say on average 7-10 days for the whole process on the 5 offers that I have redeemed. It took almost a week for the app to recognize it was triggered and to get the e-mail (most recently purchased on a Friday, e-mail on Thursday). I got the bonus shortly after that (next day).

 

[Chancery8]

Just another confirmation of SW retention offer for 1st year, little to no spend after MSR P2 got the SW+ card last year on a targeted offer, 40k points + $100 stmt credit for 1k in spend. Made the spend, probably didn't put any more than $50 on it throughout the year after that. Got a retention offer today for the $35 stmt credit. So for $3 we got 44,000 SW points + another 3k on the next anniversary

Do you need to call or SM for a retention offer? My 1 yr SW card anniversary is coming up and I had been planning on cancelling.

 

[amalone1013]

Just put in a $300 payment on my car via Plastiq, finishing the last of my CIP spend

 

[happ]

Did anyone do the AT&T offer with Chase yet? Two transactions of $15 and get $40 back? I did a $20 and a $15 purchase on AT&T a week ago and the offer has disappeared from my Chase card (isn't showing up in redeemed yet either). Maybe just slow Chase offers, just didn't know if anyone else had gotten a credit. Tried to search on r/churning but couldn't find anything.

I did it, but am waiting for my second order to arrive. I haven't received credit yet or any correspondence from Chase.

 

[trenty]

If you cancel your CSP, and add yourself as an AU (according to the time line I suggested), that won't make a bit of difference for your own churning of the CSP in 48 mo from when you earned your CSP bonus (as the rules currently stand). I would get the bonus URs from the CFU while the gettin's good.

True. Thanks. But I think I would be eligible to churn the CSP before I can add myself as AU on DH's. If so there would be no need to add myself to his CSP.

 

[trenty]

Anyone know when the current CFU bonus promo ends? They are offering extra cashback for 5000 additional spend in12 mos.

 

[palhockeymomof2]

Love having a new thread!

Chase Offers: When does the offer disappear? I'm hoping my staples.com purchase triggered the offer, the charge has posted, but the offer is still showing as "added".

My staples credit posted 10 days after the purchase