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

Discussion in 'Budget Board' started by SouthFayetteFan, Jan 17, 2019.

  1. pillow

    pillow DIS Veteran

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    I didn't know that either! I need a lightweight rain shell for hiking. Must go look!
     
  2. gottalovepluto

    gottalovepluto DIS Veteran

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    Look out World!!
     
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  4. bernina

    bernina Mouseketeer

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    Quick question. On recon with Chase, they didn't want to extend more credit so moving $10K from my crazy high Freedom (currently $32K). Then should be approved.

    Since I plan to do the CSP tomorrow, should I proactively ask them to further lower the Freedom, say from the new $22K down to $5K? That should free plenty for the CSP tomorrow (hopefully?) Thanks!
     
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  5. bernina

    bernina Mouseketeer

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    Ignore my ramblings :)

    Officially approved for CSR after moving credit around. Proactively lowered my Freedom by another $12K (leaving me with $10K) to hopefully free up some room for CSP tomorrow.

    Expedited CSR on the way so I can start spending.

    Thank you again for you advice, tips, and most importantly, support!! Couldn't do this without you all!!
     
  6. miztressuz

    miztressuz DIS Veteran

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    Round 1 complete, congrats! :woohoo::cheer2::woohoo:
     
  7. SouthFayetteFan

    SouthFayetteFan Saving Money on Disney Vacations since 2006

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    Wow CONGRATS! Good luck on your CSP tomorrow. If you don’t already have a link to use for that card (ie spouse or friend), please consider using a DISchurners link :)
     
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  8. gottalovepluto

    gottalovepluto DIS Veteran

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    Awesome! And I think you made a good call, we've had reports of Chase refusing to let people move CL around so that is becoming YMMV.
     
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  9. afan

    afan DIS Veteran

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    I now have an add on here to order checks from costco :rotfl2:
     
  10. apollodi

    apollodi Mouseketeer

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    I want to take a minute to post a giant THANK YOU to all of the people who put so much time into this thread. I first started lurking on here a bit less than a year ago to try to figure out how to pay for two expensive May 2019 trips. DH and I wanted to go to Barcelona for a milestone wedding anniversary, and we wanted to take our kids on their first Disney World trip. DD2 has some expensive medical issues that are not fully covered by insurance, so we weren't sure we could afford either of these trips, much less both.

    Thanks to this thread, I was able to plan both trips under budget, and we leave for them in just a few weeks! I am so excited for my DD2, who has been such a trooper, to meet her hero Minnie Mouse (and for her big sister to meet, as she says, "All the princesses!"). It would not have been possible without everyone's helpful advice here. So thank you, and please know that you make a real difference in people's lives!
     
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  11. afan

    afan DIS Veteran

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  12. WVMomof3

    WVMomof3 DIS Veteran

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    I hope you have a magical trip!!
     
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  13. Disney Princess

    Disney Princess Member Since Day 1

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    I can't keep up with you all! :) I wanted to personally comment and thank those of you who answered my questions and helped us get started, but that was 100 + pages ago.

    We had to call recon last week on DH's CIP because we are moving and one card had the new address, but our other Chase cards still had the old. Had to go to a branch to prove DH was DH, and then were approved. Expedited the card and received it Tuesday. We already met the MSR. :scared: In all fairness, we are buying furniture for our new AirBnB, so we knew we could spend it quickly.

    New question - DH has the CSR, and I will apply for the CSP. But, if I open a CIP as well, do I need to wait 3 months for my CSP?? I didn't know if Chase needed business and personal cards spread out like they do personal ones. I already made sure my Chase credit limits were low enough - just didn't know how to space the applications. Hope that made sense.

    Thanks!!!!!
     
  14. speedyfishy

    speedyfishy DIS Veteran

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    If I cashed out SO and Is MRs with Schwab Plat we would have a bit over $12,000. Someone tell me not to do it lol.
     
  15. miztressuz

    miztressuz DIS Veteran

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    Argh. This is why I dislike the legacy air carriers.

    I went to check on our flight from Alaska in Sep booked through AA and when I selected it I got " We couldn’t display trip details Please contact Reservations, for help."

    Uh oh. This sounds bad, am I right?

    AFAIK I think the first leg operated by Alaska Air doesn't exist anymore - I can't find it - so I guess this is what the problem is? When this happens to folks, is that the kind of error you get?
    The AA leg of that ticket still looks like it exists so I guess I have that going for me? (And probably why I have no notice of anything wrong :sad2:)

    How do I check to see what's going on/available before I call up the reservations line? This was a one way Firct Class sAAver award I booked in Nov.
     
  16. wendow

    wendow We create happiness.

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    I won't tell you not to cause I'm planning the same thing later this year. I will only have like 4k though :) And then gonna start on dh's collection later this year.

    Impressed with your 12k!
     
  17. Alexle2007

    Alexle2007 DIS Veteran

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    Ok, now I really want to go to Aruba! Our Spring Break is really lame since DS only has Fri and Mon off.
     
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  18. miztressuz

    miztressuz DIS Veteran

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    First, congrats!!
    Second, the general recommendation on 2-3 months between Chase apps is for both Biz and personal apps. So the conservative approach would be to wait 2-3 months after the CIP to go for the CSP. However, if the rest of your velocity seems ok, according to the soft application "rules" for Chase you could apply for the CSP right after the CIP as personal cards follow a 1/30 rule where you are allowed to have one Chase application (biz or personal) within the previous 30 days of application. Otherwise it can go straight to denial. Biz cards have a 0/30 rule where you can't have any Chase applications (biz or personal) in the previous 30 days of application.
    The longer you can wait between apps, usually the easier the approval so if you can wait a month between that usually the minimum recommendation (assuming the rest of your Chase history is clear) but it's not a firm rule as long as you do the Biz app first.
     
  19. speedyfishy

    speedyfishy DIS Veteran

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    I hit Amex hard. Lots of self referrals for 20,000 MR and got every MR earning Biz card for the both of us. Didn’t do anything else besides that yet. Haven’t maxed my Gold 4x yet or anything. And then I saw people on reddit are maxing the BBP for 2x on GCM so that’s added to my list. Maybe in December I’ll pull the trigger on the Schwab Plat so I can triple dip the airline credits.

    I earned 12k worth in a bit over a year, so maybe I can add another 12k worth in 8 months?? Cash out 12k and then keep the rest lol.
     
  20. Lain

    Lain DIS Veteran

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    I couldn’t comment earlier, but I was thinking that large $32k CL could’ve played a role in why your CSR app went pending. Glad recon worked out and you were able to transfer CL over from the Freedom to open the CSR. Again, debatable how soon a reduction in the Freedom CL will have any effect in increasing your odds of approval on a subsequent CSP application. It’s effective immediately in Chase’s system, but they’ll still see it at $32k when they pull your credit reports. But I’m glad you left $10k on your Freedom because if the CSP app goes pending tomorrow, you should call recon and may have to offer to move at least $5k from your Freedom to open the CSP. So at least you have that cushion. Good luck tomorrow! And congrats to your husband on the CIP and you on the CSR!
     
  21. Lain

    Lain DIS Veteran

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    So you and SO are sitting on close to a million MR? :teacher:
     
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