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

[amalone1013]

Thank you! So do you know if I can sign up for the checking and not get the debit card? I'm guessing probably not, but even if I have to pay it, the bonus is still $290, so well worth it.

I think in the fine print it might be waived the first year on that offer page. When we were adding me, they were just like it will come in the mail. Didn't really ask or anything. I haven't seen the charge yet though.

 

[Albort]

I just received my CIP. I’ve read about how business and personal accounts are separate so I want to get it right the first time. When I go to the verify website, I should set up a new account right? Not login with my personal account.
Also, in all the material I received, there’s no mention of the 80k UR offer. Is that something I should worry about?

You can combine your personal accounts into your business account. i have that setup currently to make life a little easier for me. i then use my personal ones for like chase pay and etc.
Weird that it didnt mention anything about 80k. Chase doesnt really deny bonuses like amex does, send SM a message confirming your 80k would work too if that makes u feel better. :]

 

[Haley R]

I always order the sticky wings too. I doubt we will go back now. boo.

I’m gonna go and try it but it’s definitley a bummer

 

[Haley R]

You can combine your personal accounts into your business account. i have that setup currently to make life a little easier for me. i then use my personal ones for like chase pay and etc.
Weird that it didnt mention anything about 80k. Chase doesnt really deny bonuses like amex does, send SM a message confirming your 80k would work too if that makes u feel better. :]

Dh has his CSR, cip, and sw biz all connected

 

[miztressuz]

You can combine your personal accounts into your business account. i have that setup currently to make life a little easier for me. i then use my personal ones for like chase pay and etc.
Weird that it didnt mention anything about 80k. Chase doesnt really deny bonuses like amex does, send SM a message confirming your 80k would work too if that makes u feel better. :]

We haven't received anything about the bonus offer from Chase when they send the cards and all the paper agreements/benefits. That's only shown online during the application AFAIK. I think some other banks send it out though.

 

[afan]

Nothing like the creepy old guy at the gym getting on the treadmill next to me despite all thr empty ones to find out I can run 3/4 of a mile at 5.7 speed without intervals to finish off 5 miles. I'd been enjoying things til then. Oh well. For now he's harmless and only slightly sets the radar off but weird when he's just sitting on a bench watching people, mostly women, in the free weight, exercise ball, mata etc area. And yes if I was concerned enough I'd say something.

 

[amcc]

Yes, I need to sort out this AU business

For DH, I had no plans to cancel either of his Chase biz cards. We both have legit businesses and the CIP in particular is our biggest points points earner (ebay and shipping fees for the win!). Love the CIC as well, use it for our phone/internet/satellite and 5x at office supply stores. Although if I had one, we wouldn't have to have 2...

Hi! I need to set up my eBay shipping to get paid from my CIP but I can’t find any info on how to do it and google isn’t helping. I will message you so as not to clog the thread.

 

[SouthFayetteFan]

New thread looks great! Thanks @SouthFayetteFan

Been MIA somewhat...in a churning holding position, then with the Holidays and just got back from Disney a week ago.

Anyway, I think we're ready for some new cards...2 of our AC Units have gone out, one right before Christmas and one first week of January, delightful! We are looking at putting in Geothermal units instead. DH is thinking everything will be $10-15k, some of this will be labor and not able to use a CC on, but I'm thinking we can each hit a min. spend.

So, my strategy was to stay below 5/24 and get the the CIC. Ones in blue count towards 5/24, I find a lot of value in UR points...opinions on whether it's safe to get the CIP, or stay away from Chase still?

• ? Amex SPG 5/1/17 (this is my mom's card but she added me as an AU, I've tried to get it off my credit report, but I'm not sure it's come off all 3, even though I did all the steps for all 3)
• #1 Chase Freedom 9/20/2017
• Chase Bus. Ink Pref 9/20/2017
• #2 Chase Sap. Preferred 11/13/2017
• #3 Chase Sap. Reserve 11/13/2017
• #4 Chase Mariott Jan __ 2018
• Amex SPG BIZ Mar. 2, 2018
• Citi Aadvantage BIZ Plat Select 7/20/18 approx

DH is well under 5/24...

• Chase Bus. Ink Pref 11/6/2017
• Chase Bus. Ink CASH 1/10/2018
• #1 American Express SPG 1/15/2018
• #2 Chase Freedom 1/24/2018
• Amex SPG Biz 3/20/2018

We've not gotten into MR's because I'm not sure how much of a need we have for them. We don't fly frequently. At this point, with such a big expense, cash back wouldn't be the worst thing.

I'm curious about the Citi Prestige. Can you use the 4th night free at Disney resorts? Seems like I saw a blogger (points to neverland or something) have a write up about this. I know they're curtailing the 4th night, but we could possibly use one at BW CL (approx $500/nt) in May before the new rules take effect. Although, it doesn't look like there is a sign up bonus for this now? I've never had a card that earned Thank You points, so I'm clueless there.

Any direction appreciated, looking into all options

Somebody didn't follow the new "Advice formatting" tips hahaha!

 

[Albort]

We haven't received anything about the bonus offer from Chase when they send the cards and all the paper agreements/benefits. That's only shown online during the application AFAIK. I think some other banks send it out though.

heh, thats weird... i just checked images of ppl sending me pics of the card package, none say 80k.

 

[Chancery8]

I didn't realize eBay qualified as a business. I know the Disney Visa isn't the best long term option, but the $250 statement credit at least holds some immediate value for our May trip. I've had my Freedom card for at least 2 years and my Amazon card for many years. I did open a Capital One Savor card back in Oct 2018 for the $500 bonus. I also opened a store card around the same time, but it's been paid off since. Is the 5/24 only Chase branded, or is it any credit?

I'm thinking my best choice would be either a SW card or something with UR. I don't think I will be able to wait to purchase airfare. Right now I can get all 5 of us nonstop roundtrip tix from $900-$1200, depending on departure times/dates. We will be flying SW.

SW: The CP offer they have now I like. It would give us the ability to maybe fly somewhere else later this year.
CSP: I could cash in the 50,000 UR points for $500 cash towards this trip. Or I could save them. But in this case there is no CP. I could also transfer any new points from my Freedom card to CSP.

What if I use whatever card I get to pay Disney for our resort and park tix? That would definitely help me reach the MSR faster. I haven't made the reservation yet, but I could put my $200 down now and then use whatever card I get approved for to pay the balance. Do I get more points for using my card for travel?

So, which card is the best option for my scenario? And what are the chances of getting approved for the Disney Visa on top of one of these?

Or, I could apply for the SW card as I'm purchasing our flights and get 2 points per dollar on that. Can you use it on an immediate SW purchase, or do you have to wait for an actual card? Is the CP a bigger payout in the end?

All cards opened in the last 24 months counts as part of 5/24, so you're at 2/24 which puts you into good position to apply for Chase cards. Since you can use your ebay business to apply for the CIP, I'd go that route first, especially since you're about to make some large travel-related purchases and the CIP will give 3x pts on travel. Plus, the purchase will help meet your MSR and because it's a business card, it won't count as part of your 5/24. The bonus of 80K plus the 3xpts on whatever your Disney trips comes out to would net you a quite a nice stash of URs. So after getting a CIP, you'd still be at 2/24 and could then apply for the CSP or Disney Visa or SW cards. I don't think going for the single card SW CP offer right now is the best strategy for you, because at this rate, you'd only get the CP for maybe 8 months and only 30k pts. I'd save the SW CP effort for trying to get the 2 year CP. As for cashing out your URs towards a Disney trip, I suggest buying discount Disney gift cards first with your card to get pts on the purchase, then cashing out the URs to "pay" for the gift cards. You'd get a discount and extra pts by going that route vs directly cashing out and paying cash at Disney.

 

[Haley R]

Nothing like the creepy old guy at the gym getting on the treadmill next to me despite all thr empty ones to find out I can run 3/4 of a mile at 5.7 speed without intervals to finish off 5 miles. I'd been enjoying things til then. Oh well. For now he's harmless and only slightly sets the radar off but weird when he's just sitting on a bench watching people, mostly women, in the free weight, exercise ball, mata etc area. And yes if I was concerned enough I'd say something.

Yeah we’ve got some definite creeps at our rec center too. Dh and I usually go together but he jumps right on the treadmill and I do my knee exercises first. He texted me the other day saying some creepy old guy was watching me as I walked past to get on the treadmill.

 

[Haley R]

Both sets of our magic bands came in last night! We didn’t get them until today because we had a snow storm but I didn’t actually think we would get them since we booked so last minute

 

[Albort]

New thread looks great! Thanks @SouthFayetteFan

Been MIA somewhat...in a churning holding position, then with the Holidays and just got back from Disney a week ago.

Anyway, I think we're ready for some new cards...2 of our AC Units have gone out, one right before Christmas and one first week of January, delightful! We are looking at putting in Geothermal units instead. DH is thinking everything will be $10-15k, some of this will be labor and not able to use a CC on, but I'm thinking we can each hit a min. spend.

So, my strategy was to stay below 5/24 and get the the CIC. Ones in blue count towards 5/24, I find a lot of value in UR points...opinions on whether it's safe to get the CIP, or stay away from Chase still?

• ? Amex SPG 5/1/17 (this is my mom's card but she added me as an AU, I've tried to get it off my credit report, but I'm not sure it's come off all 3, even though I did all the steps for all 3)
• #1 Chase Freedom 9/20/2017
• Chase Bus. Ink Pref 9/20/2017
• #2 Chase Sap. Preferred 11/13/2017
• #3 Chase Sap. Reserve 11/13/2017
• #4 Chase Mariott Jan __ 2018
• Amex SPG BIZ Mar. 2, 2018
• Citi Aadvantage BIZ Plat Select 7/20/18 approx

DH is well under 5/24...

• Chase Bus. Ink Pref 11/6/2017
• Chase Bus. Ink CASH 1/10/2018
• #1 American Express SPG 1/15/2018
• #2 Chase Freedom 1/24/2018
• Amex SPG Biz 3/20/2018

We've not gotten into MR's because I'm not sure how much of a need we have for them. We don't fly frequently. At this point, with such a big expense, cash back wouldn't be the worst thing.

I'm curious about the Citi Prestige. Can you use the 4th night free at Disney resorts? Seems like I saw a blogger (points to neverland or something) have a write up about this. I know they're curtailing the 4th night, but we could possibly use one at BW CL (approx $500/nt) in May before the new rules take effect. Although, it doesn't look like there is a sign up bonus for this now? I've never had a card that earned Thank You points, so I'm clueless there.

Any direction appreciated, looking into all options

Citi Prestige currently has no bonus though... id wait for it to have a bonus before applying.
Id probably start with the Amex Plat Biz, 100k MR for $10k spendings... but the problem i see here is if the contractor will accept amex and/or they would charge the extra fee... cash might be an idea is the discount is big. Would ask first before applying!

Somebody didn't follow the new "Advice formatting" tips hahaha!

ur castle erm, i mean thread is being invaded!

 

[Alexle2007]

Nice! I still haven't paid for my $95 AF either and I upgraded in November. My balance has been sitting at <$39> for 3 statements now (with the AF refund backdated to 6/1/18). And the 50K points were added to my account on 12/2. My anniversary is in May and the AF posts on June 1, so maybe I won't be charged $95 until then? In your case, if your AF doesn't post by Feb 1, I think you might be super lucky! Marriott's IT is a mess. I'm going to start taking routine screenshots of my point balance/activity because they recently - out of the blue - deducted points from my account to pay for reservations that I had on points advance bookings. I had to go in and cancel all of them, and my refunded points balance was still less than what it had been prior to their screwup.





DH kept coming up with a "We're sorry, contact customer service" message when he tried to check for an upgrade offer. I SM'd Chase and got the reply that he was eligible for the 50K upgrade, and was sent back to that same website that still gave the "we're sorry" message. So he had to call in, talk to someone and who told him that he was indeed eligible for the offer (exp 12/31/18) and verbally ok the pc. That was last month. His anniversary is this month, and his statement shows a credit of <$7> as a refund of the AF backdated to 2/1/18. His one purchase only earned him 10K points, and I SM'd to remind them he signed up for the 50K upgrade offer. Seems like it will take another billing statement before the extra 40K show up. (FrequentMiler had a post about this happening to other people too). His statement just closed yesterday so I expect it will take a few days for the 10K to show up in his account.

Darn, I thought this was something tied to your one year anniversary since that is when I received my offer so I didn’t even think to check for DH. I was just expecting to get an offer in Jan around his one year mark. Oh well. Maybe maybe more offers will come.

 

[afan]

Yeah we’ve got some definite creeps at our rec center too. Dh and I usually go together but he jumps right on the treadmill and I do my knee exercises first. He texted me the other day saying some creepy old guy was watching me as I walked past to get on the treadmill.

This guy wears a hat low so it's almost like you know why he's wearing it. He does have long hair so benefit of the doubt and all but not really. He's only ever here in the morning so if I come after work it's fine and there's lots of people anyway. But it might be the incentive I need to get up earlier and go instead of waiting until I wake up.

 

[kayteekt]

Somebody didn't follow the new "Advice formatting" tips hahaha!

Sorry, I went rogue. Just copy/pasted my spreadsheet.

 

[mmmears]

I only have 20,000MRs...with another 10,000 coming when I finish the MSR on the BBP......

I’m keeping us both under 5/24...want the CP again for 2020/2021...as of now I’ll go for it again but if Chase changes the rules to 48 months on the SW cards I’m prepared to have DH go for it
also not willing to pay a lot of high annual fees to get more points from other cards and we don’t MS...so for me it’s not worth opening the Schwab to cash out....we wouldn’t use the airline credits....since only fly SW on points

In 2020 we will do our one international trip with friends to celebrate their 60th birthdays...probably a river cruise in Europe...but the flights will be in economy, unless there will be a way to upgrade with points lol

We are older..got into trouble with cc debit after 9/11....my DH went YOLO...after so many here on LI lost their lives..and 2 kids playing travel ice hockey added a lot of expenses so we ran up CCs...finally got them paid off 3 years ago...which is why I’m super careful using my cards and paying them off weekly

You can keep adding MRs and use them for that overseas trip. They work for economy seats, too. I've used them for coach seats to Hawaii as well. I just prefer the long haul flights to be more comfy so go for the J or First class seats when possible, but it's easier to find coach ones.

Oof, I didn’t think the RMN offers could get much worse... $2 back on $100
Home Depot purchase? No thanks...

I haven't really used RMN since it was great - I think it was Oct or Nov? I was just thinking I should check the offers, but yeah $2 off just doesn't make me want to open that app.

Nothing like the creepy old guy at the gym getting on the treadmill next to me despite all thr empty ones to find out I can run 3/4 of a mile at 5.7 speed without intervals to finish off 5 miles. I'd been enjoying things til then. Oh well. For now he's harmless and only slightly sets the radar off but weird when he's just sitting on a bench watching people, mostly women, in the free weight, exercise ball, mata etc area. And yes if I was concerned enough I'd say something.

Yikes. I'm reading "The Gift of Fear" right now so my radar is extra sensitive, but yuck. I've been known to get off gym machines early if a creepy or extra smelly guy ends up next to me.

 

[Alexle2007]

Has anyone ever dealt with first bank?
offers

Wow, looks like a good offer. Do you need to be located in CO, CA or AZ to open an account for the bonus?

 

[kayteekt]

Citi Prestige currently has no bonus though... id wait for it to have a bonus before applying.
Id probably start with the Amex Plat Biz, 100k MR for $10k spendings... but the problem i see here is if the contractor will accept amex and/or they would charge the extra fee... cash might be an idea is the discount is big. Would ask first before applying!

Yes, that's a deal breaker on the Citi Prestige right now. Trying to figure out if I should keep it on the radar, really curious about using 4th night at Disney properties. Value of their thankyou points redemptions/system, etc...

 

[afan]

You can keep adding MRs and use them for that overseas trip. They work for economy seats, too. I've used them for coach seats to Hawaii as well. I just prefer the long haul flights to be more comfy so go for the J or First class seats when possible, but it's easier to find coach ones.



I haven't really used RMN since it was great - I think it was Oct or Nov? I was just thinking I should check the offers, but yeah $2 off just doesn't make me want to open that app.



Yikes. I'm reading "The Gift of Fear" right now so my radar is extra sensitive, but yuck. I've been known to get off gym machines early if a creepy or extra smelly guy ends up next to me.

I'm going to have to look that book up. I've cut runs short when someone smelly has come next to me which is way worse. I knew he couldn't so anything cause there's too many people. Also had my earbuds out and I learned how to ignore people on Muni in SF during college so no worries there. It just messed with my good run vibe.