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

[calypso726]

Ah, yes, I remember thinking there was no way I'd do that much work for a free night or two! I'm just too lazy!

Are y'all driving around my favorite country this summer? And will you use Arrival+ for cashback on the adorable BnBs/inns? Totally jealous-first year in 7 I won't be in Scotland!

We applied for it back when gold status with the card also gave you second night free. It was worth it back then. I’d go through the hassle today just because it has been so useful in the past.

I haven’t had a BA+ in some time. If I do go for getting under 5/24 I will apply for the BA+ again. I did have my mom get it and she will be able to wipe off her room stays.

We are doing a driving tour but we aren’t driving. We booked Inverness Tours for the third time now. Hugh Allison is the owner and also author of Culloden Tales. He also gave Diana Gabaldon an Outlander tour way back before the show and before these became popular.

I could happily go to Scotland every year!

Funny, I had that revelation when I went to Japan the first time. I was definitely not like my parents' neighbors and my long blonde hair was very interesting to them (this was way before the internet and blonde hair was rarely seen where they lived). It was both uncomfortable yet so helpful to realize how being so obviously different can affect you. Being Gaijin was not fun there (sort of how I feel about being a haole in HI I guess).

Our group of friends were stopped for photos in China. They had DH take the pictures since he is Asian (Vietnamese) and they assumed he was Chinese.

The Club Carlson card is a keeper for us as well! I had booked a Family Room at the Radisson Blu Edinburgh for three nights for our university scouting trip for DD. The rates were pretty high because we are going in August during the Edinburgh Military Tattoo (which we will be seeing for the second time). It turns out DH and DS are going to be flying to Scotland a day behind us because DS has a mandatory marching band camp for his HS marching band. I was able to cancel out the first night of our Family Room and book a standard room on points, which ended up saving us $660+! Any chance we are going to be in Edinburgh at the same time?

Nice redemption! Oh I’m jelly you’re going to see the Tattoo again! This is on my to do list. Go back during the Fringe Festival in August and see the Royal Edinburgh Military Tattoo. Maybe 2020 or 21. This time we are leaving near the end of June and coming back after the first week of July.

 

[SouthFayetteFan]

CHASE to issue corrected 1099 forms per DoC
https://www.doctorofcredit.com/chas...-forms/?utm_source=dlvr.it&utm_medium=twitter

They issued an official statement:
We sent out some IRS Form 1099-MISCs with incorrect dollar amounts from Chase Bank USA, NA. We apologize. We’re double-checking our files and will send out Corrected 1099-MISCs to affected customers as soon as we can.

The only problem I see here is how do you know if you're somebody that's owed a corrected one or not?? At least it's good they are working on it!

(Added to news thread...)

 

[DisneyMandC]

Thank you both. I read them but am still so confused. It was sooo easy in YNAB4. I just want my red arrow back! I suppose I will keep doing trial and error.

I still haven't changed to the new version... lol. One day they're going to force me out of it and I'll be upset.

 

[Chancery8]

Sounds like you had an amazing trip...and made good use of the dining plan
I only received a $35 credit when I for a retention offer on the SW plus as well..maybe that’s the standard offer

If your CLs are close to 50% of your income, it’s best to lower them to increase your chance of auto approval...although auto approval is more common on the personal cards than businesses ones

I definitely did! I ate so much food, my body was mad at me - first for feeling grossly overfed...then for starving when we got home because it had started getting used to eating 10lbs of food everyday.

I tried to ask if there was a larger credit but got shot down instantly, lol.

Ya, I definitely won't get an approval right now, much less an auto approval with my current limits. But was hoping that if I lowered CL, then even if it's not an auto approval, that it'll get approved later after calling the status line. Last thing I want to do is call in an talk about my business.

 

[speedyfishy]

ive always thought WU MOs never took *GCs... i guess billpay is different. Sounds like a small crackdown on Kroger.
Ill have to check, give me a day. lol

Lol alright. Thanks Im going to try and hit up some places on Saturday.

 

[disneymagicgirl]

Yeah - we were on the PIT-MCO #2604 that landed around 12:45. Haha - that's funny, we probably were on the same bus then too! We did a bathroom stop and then headed straight to DME

What Saturday was this?

 

[Albort]

RIP Wells Fargo...

probably for today only haha.

 

[SouthFayetteFan]

What Saturday was this?

Sat 1/26

 

[SouthFayetteFan]

RIP Wells Fargo...

probably for today only haha.

Don't worry - when the website comes back up we'll all have 2-3 new accounts courtesy of their fine employees

 

[palhockeymomof2]

I definitely did! I ate so much food, my body was mad at me - first for feeling grossly overfed...then for starving when we got home because it had started getting used to eating 10lbs of food everyday.

I tried to ask if there was a larger credit but got shot down instantly, lol.

Ya, I definitely won't get an approval right now, much less an auto approval with my current limits. But was hoping that if I lowered CL, then even if it's not an auto approval, that it'll get approved later after calling the status line. Last thing I want to do is call in an talk about my business.

Definitely lower CLs...I keep $1,000 on the Chase cards I really don’t use...Disney & SW....I’m at 20-30% of income

 

[Chancery8]

Yeah - we were on the PIT-MCO #2604 that landed around 12:45. Haha - that's funny, we probably were on the same bus then too! We did a bathroom stop and then headed straight to DME

OMG, had to double check, but yes, #2604 - we were on the same flight then! You mean I could've met our benevolent dictator IRL?!?!?!

Same - bathroom, then directly to DME. I remember being in lane 4, because we were closer to the front of the line by then and I was lamenting that we probably just missed a bus.

 

[SouthFayetteFan]

OMG, had to double check, but yes, #2604 - we were on the same flight then! You mean I could've met our benevolent dictator IRL?!?!?!

Same - bathroom, then directly to DME. I remember being in lane 4, because we were closer to the front of the line by then and I was lamenting that we probably just missed a bus.

We accidentally got in lane 5 and realized it eventually somehow...so then we ducked under the rope into lane 4...so if you saw somebody do that, it was me, LOL!

 

[Ngwira]

I wrote earlier that I signed up for amex extended pay option for 10k points. They haven't posted yet and this morning I got another offer in my email for the same thing. Is there a problem?

I'm still waiting for mine as well. Should've posted in January.

 

[disneymagicgirl]

I still haven't changed to the new version... lol. One day they're going to force me out of it and I'll be upset.

We have sooooo many transactions a month that it was becoming a full time job to enter them. For nov and dec 2018 I didn't do any, and at the end of the month simply reconciled all my accounts to the "misc" category and they paid the bills. At that point I knew I needed to go to auto-import....so here I am.

 

[disneymagicgirl]

Sat 1/26

oh that was the day we flew in too! It was later that night, but it is quite possible we crossed paths at the boardwalk or on the boats. We went over there to grab food a couple times.

 

[DisneyMandC]

We have sooooo many transactions a month that it was becoming a full time job to enter them. For nov and dec 2018 I didn't do any, and at the end of the month simply reconciled all my accounts to the "misc" category and they paid the bills. At that point I knew I needed to go to auto-import....so here I am.

I secretly love entering the transactions myself. I feel like it makes me more accountable to where my money is going. But obviously I don't have kids to corral like you!

 

[Calfan]

CHASE to issue corrected 1099 forms per DoC
https://www.doctorofcredit.com/chas...-forms/?utm_source=dlvr.it&utm_medium=twitter

They issued an official statement:
We sent out some IRS Form 1099-MISCs with incorrect dollar amounts from Chase Bank USA, NA. We apologize. We’re double-checking our files and will send out Corrected 1099-MISCs to affected customers as soon as we can.

The only problem I see here is how do you know if you're somebody that's owed a corrected one or not?? At least it's good they are working on it!

(Added to news thread...)

Excellent news! Hopefully they will send them to the right people!! I think those of us who are owed a corrected one know it. Or maybe my case was just easy. No other explanation for $500 on my CF.

 

[trstno1]

TopCashBack has 10% cash back at Dell Outlet today, for those looking to use AmEx Business Platinum credits.

 

[GZanta77]

Definitely lower CLs...I keep $1,000 on the Chase cards I really don’t use...Disney & SW....I’m at 20-30% of income

I guess our "theory" is it has to hit your credit report. That might not be true, but for those of us looking for instant approvals we typically try to play it as safe as possible. I keep the majority of my Chase cards at a $500 or $1,000 CL (the cards I don't use) and then still keep a few cards with larger limits in case I have to play the move credit game. I do try to keep the total CL around $30k or so though.

Can you do this all Chase cards - for some reason I was under the impression that some of them (Visa Signature?) had to have a minimum $5k CL or is that just for approval?

 

[SouthFayetteFan]

Can you do this all Chase cards - for some reason I was under the impression that some of them (Visa Signature?) had to have a minimum $5k CL or is that just for approval?

I've never had any issue adjusting my CL on any Chase card. Sometimes people report running into an agent who says you can't adjust them though. In that instance I'd just HUCA until you find somebody who will. I've reduced CLs on SW, Marriott, Freedom, Disney, even my CSR with no issues to very low levels.