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

[mmmears]

Definitely. I figure, there are so many loopholes we (or maybe just me) exploit in this - buying AA GCs for airline credits, cashing out resort credits, etc - and it's all a gamble. It could stop working at any time. I do all of it with that full knowledge.

If they start clawing back the AA money I'm going to be really, really unhappy. At that point it will be impossible for us to justify all the AFs.

Or you have me who legit bought seat upgrades and is fighting for the money. Credit forced applied then taken from my checking anyway.

Disney cruise today tho!!!!

Have a magical cruise!

Ahh that is great! I need to look into Swagbucks. I am sad I do not have an Amex (mainly because of all these great deals!), but I am scared and not sure where to start with all the bonus denials. The original idea was to go with a BBP. I guess no bonus shouldn't make Amex too upset. I also contemplate going for the best bonus to ensure I at least get that since it would be my first Amex.

I'd go for the largest bonus possible. I was lucky and was pre-approved (or whatever they call it) for the 100K MRs on the AMEX Platinum so I jumped at that offer. That amount goes a long way towards a premium overseas ticket for me. I'd go for the larger bonuses first so that, it/when they do stop you, you're not missing much. Next I went for the 50K MR on the Gold. DH already had a plat, but he got the 100K MRs on the Biz Plat and also the 50K on the Gold. We see one Plat and at least one Gold as keeper cards, though, so YMMV.

DH just got approved for the Barkley's AA card. His Citi AA card AF is due in March. I can't believe I did this after swearing off new cards for the year. I'm now thinking I should get one also. 120k AA points goes quite a way.

Nice! Those points do go a long way!

 

[mmmears]

Well, now I know that this weather of mine has truly caused Hades to freeze over!!! I just got a call from AA. Thanks to whoever posted the link to the executive contacts page awhile back. I finally emailed the relations exec, and today I got a call back from his department. I should have all my miles back tomorrow!!

Fantastic news! Finally! I'm sorry they made you work so hard to get it fixed, but at least you have your miles.

 

[miztressuz]

u can add another +3%(CIP) or +5%(CIC/CI+) by buying walmart gift cards on gyft.com check out via paypal and then using them to buy Disney gift cards at Sams Club.

@PolyRob , maybe that Sam's membership can be useful after all

 

[PolyRob]

Well, now I know that this weather of mine has truly caused Hades to freeze over!!! I just got a call from AA. Thanks to whoever posted the link to the executive contacts page awhile back. I finally emailed the relations exec, and today I got a call back from his department. I should have all my miles back tomorrow!!

So happy it finally got straightened out (and before she used those tickets)! Its sad, but a lot of the time you have to go right to the top to get satisfaction.

 

[miztressuz]

Well, now I know that this weather of mine has truly caused Hades to freeze over!!! I just got a call from AA. Thanks to whoever posted the link to the executive contacts page awhile back. I finally emailed the relations exec, and today I got a call back from his department. I should have all my miles back tomorrow!!

That deserves at least a little dance for how long you've had to sweat over that. Glad it's just about resolved and you can put it behind you soon.

 

[striker1064]

If they start clawing back the AA money I'm going to be really, really unhappy. At that point it will be impossible for us to justify all the AFs.

I agree. You, me, and a lot of others. But it is a possibility - the terms explicitly forbid reimbursement of AA GCs, so they would be within their right to do so.

 

[PolyRob]

I'd go for the largest bonus possible. I was lucky and was pre-approved (or whatever they call it) for the 100K MRs on the AMEX Platinum so I jumped at that offer. That amount goes a long way towards a premium overseas ticket for me. I'd go for the larger bonuses first so that, it/when they do stop you, you're not missing much. Next I went for the 50K MR on the Gold. DH already had a plat, but he got the 100K MRs on the Biz Plat and also the 50K on the Gold. We see one Plat and at least one Gold as keeper cards, though, so YMMV.

That's what I am thinking. It is a large MSR and my concern isn't meeting it, but the pace and what Amex would do to me. I would try to plan it out the best I could, but it seems there is no rhyme or reason to the bonus denial popup! I've never had a regular Amex. I've only been an AU on a Costco Amex and I have the combined Macy's Amex. I know Amex doesn't do hard pulls if you have history with it, but IDK that my "history" would qualify or keep me in its good graces considering the Costco Amex is transferred to Citi and I've only used the Macy's Amex portion 2x in the 6+ years I've had it.

 

[palhockeymomof2]

Well, now I know that this weather of mine has truly caused Hades to freeze over!!! I just got a call from AA. Thanks to whoever posted the link to the executive contacts page awhile back. I finally emailed the relations exec, and today I got a call back from his department. I should have all my miles back tomorrow!!

Congrats...great news

 

[PolyRob]

@PolyRob , maybe that Sam's membership can be useful after all

Glad I requested that coupon! I think it may be time to redeem it.

Can the Walmart gift cards be used at Sam's Club online to purchase Disney gift cards?

 

[LilSweetPeaPhoto]

So I have the Barclay Aviator. I applied in the fall for the barclay biz version and was denied due to my credit "being young" and too many cards in a short time. So does anyone know how long you have to wait for Barclay not to hate you? That said, when they denied me I got the AA Citi Biz and the IHG card. And then in Dec I got the Aspire, LOL. So that's 3 more on my credit history since they denied me.

I'm going to try calling Amex to see if I can get my limit on my new card raised so that I can transfer more money over! Wish me luck.

 

[castoral]

@castoral I agree with the above. Chase cards are what she should go after first since all bank's personal cards will count against her with Chase.

I accidentally deleted the part about SW but I'd encourage SW cards, and maybe even going for the SW CP if she will be flying with a companion.

Yes, yes and YES! I told her all these things. BUT she said she's never flown Southwest in the past 10 years (we're about 45 min north of CVG). Said she'd look into it as a maybe in a few months.

She doesn't like complicated and there's only about a 50% chance she'll ever dip into cc churning. She loves her Capital One Venture because its super easy and redeeming is so easy. So for her I think it will be an ok move.

Long story but a few years back she invited all the women in her extended family on a vacation because she realized she had all these rewards points. She was sooo excited to treat everyone until she realized the rewards weren't worth as much as she thought. We still joke about that. She was SOOO excited!

 

[WVMomof3]

have you check the hyatt link? i checked one not to long ago and it was dead.

My email link still goes to a live app page. Was it dead there? Or are you saying it was dead some other way?

 

[wanderlust7]

Well, now I know that this weather of mine has truly caused Hades to freeze over!!! I just got a call from AA. Thanks to whoever posted the link to the executive contacts page awhile back. I finally emailed the relations exec, and today I got a call back from his department. I should have all my miles back tomorrow!!

Finally!! This deserves a party!

 

[wendow]

Glad I requested that coupon! I think it may be time to redeem it.

Can the Walmart gift cards be used at Sam's Club online to purchase Disney gift cards?

Yes, you can use walmart gcs online through sam's to buy disney gc!

 

[miztressuz]

Glad I requested that coupon! I think it may be time to redeem it.

Can the Walmart gift cards be used at Sam's Club online to purchase Disney gift cards?

Yep! Walmart and Sam's Club GC's are interchangeable, really they're the same GC since they're both part of the same company. You can use up to 4 GCs in one transaction plus a couple of credit cards. It's one of the last places that allow GC > GC transactions, so take advantage while you can

 

[PolyRob]

Yes, you can use walmart gcs online through sam's to buy disney gc!

Yep! Walmart and Sam's Club GC's are interchangeable, really they're the same GC since they're both part of the same company. You can use up to 4 GCs in one transaction plus a couple of credit cards. It's one of the last places that allow GC > GC transactions, so take advantage while you can

Great, thanks! I wasn't sure if it was an in-club only thing because I don't really have one close by! This sounds like a great way to earn more before GC > GC is closed

 

[LilSweetPeaPhoto]

Well good news bad news. Good news.....Amex took $3k off my Delta Gold (which I rarely used) and moved it to my new everyday. Bad news, I can only transfer $5k. DOH! I wish she told me that as I wouldn't have moved $3k over. I would have moved over $2k. Oh well. I doubt I'm putting $2k+ on the delta gold anytime soon. Honestly I'm just waiting for a good offer to do the biz version and drop this one, LOL.

So I can transfer $5k, which leaves me $3400 to give a new home, or suck it up and just pay it off. UGH!

 

[miztressuz]

Yes, yes and YES! I told her all these things. BUT she said she's never flown Southwest in the past 10 years (we're about 45 min north of CVG). Said she'd look into it as a maybe in a few months.

She doesn't like complicated and there's only about a 50% chance she'll ever dip into cc churning. She loves her Capital One Venture because its super easy and redeeming is so easy. So for her I think it will be an ok move.

Long story but a few years back she invited all the women in her extended family on a vacation because she realized she had all these rewards points. She was sooo excited to treat everyone until she realized the rewards weren't worth as much as she thought. We still joke about that. She was SOOO excited!

Sometimes the rewards game feels like a arcade when you roll up to the prize window with literally a Million tickets and ask "what'll this get me?" all excited and eyeing up the PS4 or the TV in the window and they reply "this plastic decoder ring and, oh yeah, that stick of gum... no, not the pack, just the single stick next to it. have a nice day"

Very important to pay attention to redemption rates, hehe.

 

[Albort]

My email link still goes to a live app page. Was it dead there? Or are you saying it was dead some other way?

ahh nice, yeah, it was dead at the app page for me. :\

 

[DisneyMandC]

LOL guys... I swear for some reason I defy all sense of Chase logic...

Just got instant approval for the World of Hyatt card! I'm 4/12 with them, plus two more personal cards before that in 2017, and haven't lowered any of my credit lines... they approved me for $24k, the highest of ANY of my cards



ETA: Thanks @WVMomof3!!