It says that even though our credit score is still better than most peoples it has gone down and may have affected our rates. Our Homeowner rate went up about $20 from the previous year. Just chalked it up to increasing rates at the time. Our car rates are a little harder to compare as we have added teen drivers. It also mentioned that we had applied to no credit cards in the previous year. Which was true for DH but not for me at that time. Now I am a little worried about what it will say this year. DH has opened 2 personal and 3 biz cards this past year, planning another personal soon for him. Unclear to me why insurance cares about this. Anyone else notice credit cards affecting insurance rates? 
I did not count the car that my ILs bought from us last year. That one would be easy because over 95% of the MSRs for a CIP and 2 CSRs were covered by that.
Honestly our insurance pretty much always says that. Like a disclaimer. Our credit scores are both over 800, a few points change up or down is not going to change insurance rate.Going through some paperwork, little embarrassed to admit I am just reading insurance stuff that was sent last July.
Also noticed our Home policy says it only covers $200 in cash and prepaid gift cards. Seems very low to me. It is fine for us, we rarely have cash, but I know a lot of you collected a large amount in gift cards, just hope you have them somewhere safe.
Got this
Going through some paperwork, little embarrassed to admit I am just reading insurance stuff that was sent last July.
Have you done the Wanyama Safari? Idk if there is a cm discount but on a solo trip it’s a more affordable splurge than taking a whole fam as it’s just over $200/person now but is an incredible experience. The safari is nice as the guides are very knowledgeable & Disney-Level friendly. But the food experience at Jikos after is out of this world!! It’s specially selected for the groups, served family style some things & individually plated other items so it wasn’t awkward to share the meal with strangers. So many incredible dishes, each presented by the manager who explained what they were & various wines were paired throughout including an on spot cocktail to start the meal and a dessert wine at the end. (They also did great with the allergies in our group if that’s a concern.) Expensive for sure but an incredible experience worth it to me. Can’t wait until I can put together enough extra cash to do it again someday! (After you will stuffed and well liquored up so no driving yourself!) Even if you don’t drink I think the tour/meal is worth it.
Hmm, I went back through the normal personal account referrals and they seemed to post within a day of the person hitting the spend. When I referred dh it was two hours after his payment was processed for the normal $500 amount that I got an email on my account that I earned the referral FFDs...
See that’s the answer! You just have to go to both.
I think my experience at the one close to Universal was affected by it was harder to get too and it was on a Sunday. I can see how the store itself would be potentially less crazy/picked over.
Definitely can pay for dues with a card. I use my CSR or with gift cards that I’ve bought with discounts from other cards. No experience with loans though.
