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

[trstno1]

Oh Marriott, thank you for being a sponsor of the Oscars so everyone could see one of the worst commercials ever. That poor girl that had to say bonvoy instead of checkmate. And the couple on the beach. It's amazing that they think that commercial will get people to sign up for their rewards program.

Bonzai...
Bonvoy
Bonzai...
Bonvoooy

 

[trstno1]

People are buying the biz right? Does it have to be 94 days from closing the card? Or opening? And are people putting these in the same business name? Like I have a legit photography business that my current Citi Biz is under.

Citi is unique, I think, in that they go by the application date. The rule is 90 days between business applications (with a mailer), but they sometimes have trouble with their addition, so people encourage waiting 94-95 days. Unfortunately, if you miscount and apply on day 89, you have to wait another 90 days!

They say that you can apply for another CitiBiz (with a mailer) using your EIN 70-80 days after an SSN application, but I'm afraid to try it for fear of resetting my counter.

 

[palhockeymomof2]

Thank you for the concise summary. Minimum spend should not be a problem.

I don't have a business, so I'm not sure how I would apply for a business card.

Have you ever sold anything on eBay or thought about it...pretty much anything can be a business....you apply using your name and SS number as the business name and EIN

Take your time deciding on the right strategy for your family...I started out last year thinking I’d open a few cards...now between my husband and I we have opened 8 cards and earned over 600,000URs which we can use for travel or cash out for $6,000

 

[palhockeymomof2]

I was able to get a SDD FP for myself and DD3 for 3/6 just a couple days ago but I can't find a hotel room.

@amalone1013 talk me into the doubletree. That and bonnet creek are open. Ugghhh....I really want to stay on property for ease...but not for $350/night at AofA suite...

Hope you find something reasonabe on property...never stayed at the doubletree...but we loved WBC

 

[SouthFayetteFan]

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[mmmears]

We always do a split as well. We’ve only done one trip ever and stayed at the same resort. It’s part of the fun to us, even though my dh complains about having to pack up 6 peoples things I’m totally annoyed with Disney over this but I don’t think I’m gonna let them take yet another thing away from me. I’ll just have to plan our park days differently. We will see.

Us, too. Other than our first trip we've always split, once between 3 hotels, but all the other times just two. For us it's part of the fun and I'm annoying that they are chipping away at everything that made a WDW trip so special in the past.

Has anybody flown SAS? It looks like we can save a ton of money by doing a little backtracking to Copenhagen at the end of our trip.

Not sure if/how we could work the points for that but it brings the worst case scenario of cash to a “bargain” under $5k pp

When we were looking to get to CPH, SAS was the only direct. We were trying to use MRs, but could not see any availability at all on SAS, so we gave up and took AF there instead (with a layover in CDG). Not ideal, but free lie flat was definitely worth the annoying layover for us. I'm not sure if SAS just hadn't released seats or if we somehow missed them.

That's true and I guess if it's affecting other people it may not be as big of a deal. I do think there were quite a few people using the campsite booking route to get fps. I wouldn't think to do something like that.

I do think it's been an issue for Disney. Last trip when we were in line for FoP the guy in front of us was telling us how he's a local and that they always make a dummy booking, get the FPs, then cancel the hotel. That way they get first dibs at the FPs. Someone else in line said they do the same thing. So, just anecdotal, but I think if I ran into a few families who do this (when I rarely speak to anyone outside my family) it could be more common than any of us think.

 

[Natgridenergy]

BAD NEWS on the AA Business Card front...

Business Mailer codes now appear to be single use only - change may have happened yesterday. This will make them much more difficult to come by and potentially much more expensive. Also since they aren’t multiple use, proceed with caution if you attempt to purchase one.

Will also share on the news thread...major bummer here!

Aaaaaand it’s coming to an end before it even started lol

 

[GusGus16]

Thank you. It seems like Chase has a number of different options for the UR. Are there some that are better than others? I'm not sure what CIP is, but I don't have my own business. Minimum spend isn't a problem, as I've got a $350 weekly daycare bill (obviously does not fall into a category, but it's a major expense that doesn't penalize me for using a CC to pay).

I appreciate the heads up on the DiscoverIt. If I understand correctly, I would max out at $300 per year for the bonus plus whatever else at 1%, assuming I spent the $1500 each quarter on the appropriate categories (which I probably wouldn't do on, say, gas), and then would get that matched a year from now. For a card with no AF, that's a pretty good return.

Yep $300 per year for the 5% categories. Currently sign up bonus is $50. In my opinion if someone doesn't really want to churn, DiscoverIT is a great option, much more so in the 1st year.

In regards to Chase there are several UR cards, I know above Chase Sapphire Reserve was mentioned, you really have to compare that to the Chase Sapphire Preferred in what would be better or if you can swing it potentially a modified double dip (applying for both cards within a day of each other). In regards what are best it just depends on your plans, several other Chase UR cards have been mentioned and the Chase Freedom also have 5% rotating categories. Before you start applying for cards it appears you are likely 0/24, if you don't have any cards within the last 2 years (you have to count your AU's withing the last two years as well). You are at a great starting point, run your plan by us first before applying for cards and we can help with your plan.

Your husband's SPG amex should have amex offers, if you have certain offers you can use these to buy Disney gift cards. Before Christmas there was a best buy offer that many of us used to get discounted gift cards. At this time I don't know of any very good amex offers but something to keep your eye out for as well.

 

[SouthFayetteFan]

Aaaaaand it’s coming to an and before it even started lol

Luckily though there is still a pretty easy path to 400k AA Miles in 2 player mode with Citi personal/biz and Barclays personal/biz. That is, If you’re willing to put up two 5/24 slots per player. Of course that’s not scaleable from there. It’s sort of a 1-year event then.

 

[wendow]

BAD NEWS on the AA Business Card front...

Business Mailer codes now appear to be single use only - change may have happened yesterday. This will make them much more difficult to come by and potentially much more expensive. Also since they aren’t multiple use, proceed with caution if you attempt to purchase one.

Will also share on the news thread...major bummer here!

WHAAAATTTT!!?!?!?

 

[SouthFayetteFan]

WHAAAATTTT!!?!?!?

It is with heavy heart that I share this unfortunate news with you...

 

[mmmears]

It is with heavy heart that I share this unfortunate news with you...

I had assumed this would happen once I started playing that game, but I hadn't even decided whether or not I wanted to and poof it's gone. Guess I can't take credit for this one.

 

[Ava]

Hi credit card peeps! Feels like I’ve been away from this thread forever, but I’m ready to jump back in.

My kids spent the month of January taking turns being sick (as usual, January is the worst), but thankfully both were well in time for our trip to Puerto Rico last week! I used Marriott points to stay at the Courtyard Isla Verde Beach. The standard points room was supposed to be “low floor partial ocean view” but we got a room on the top (12th) floor. Here’s the view from our balcony:



I didn’t take any pictures of our room but I’ll post a little review in the hotel reviews thread anyway. We loved Puerto Rico & definitely want to go back. It’s only a 4-hour flight from NYC (I used UR points for our flights on Jet Blue), the island is beautiful, there’s a variety of things to do, and the people are super friendly. Plus it’s part of the US so no passport is required, they use US $, and our cell phones worked fine there with no plan add-ons or anything. I promise I haven’t been hired by their tourism board, we just really loved it there!

Now it’s back to work & school tomorrow, and trying to figure out my next CC. I’m still working on the MSR for my Arrival+ but should be done with it in the next couple weeks so I want to get another application going. Wife & I are both 4/24, so I may try referring her to CIC. (Does that one have referrals? I know a lot has changed with referrals lately.) We don’t have our 2020 trips decided yet so that makes it a little more difficult. We’ve talked about doing Universal and possibly WDW next Feb, but not sure how crazy it will be since Galaxy’s Edge will still be pretty new. We all really enjoyed the warm weather vacation in Feb this year though, so want to continue that trend.

 

[magickingdomprincess]

When logged into Citi, Click “Services” then “Credit Card Services” then “Request a credit limit increase” then “Request your Card agreement”. That will bring you to the "hidden" SM screen.

Thank you!

BAD NEWS on the AA Business Card front...

Business Mailer codes now appear to be single use only - change may have happened yesterday. This will make them much more difficult to come by and potentially much more expensive. Also since they aren’t multiple use, proceed with caution if you attempt to purchase one.

Will also share on the news thread...major bummer here!

I feel like I'm always one one step too late. Should have gotten one of those codes sooner...

 

[Lain]

Aaaaaand it’s coming to an end before it even started lol

Well, to be fair, the GrAAvy train has been choo chooing along for well over a year, but it’s just recently taken off here because of the ability to use AA miles for Disney.

 

[SouthFayetteFan]

Thank you!



I feel like I'm always one one step too late. Should have gotten one of those codes sooner...

Well the people in the worst position could be those who purchased a code in the last few days as it may no longer work for them.

 

[palhockeymomof2]

Hi credit card peeps! Feels like I’ve been away from this thread forever, but I’m ready to jump back in.

My kids spent the month of January taking turns being sick (as usual, January is the worst), but thankfully both were well in time for our trip to Puerto Rico last week! I used Marriott points to stay at the Courtyard Isla Verde Beach. The standard points room was supposed to be “low floor partial ocean view” but we got a room on the top (12th) floor. Here’s the view from our balcony:

View attachment 384686

I didn’t take any pictures of our room but I’ll post a little review in the hotel reviews thread anyway. We loved Puerto Rico & definitely want to go back. It’s only a 4-hour flight from NYC (I used UR points for our flights on Jet Blue), the island is beautiful, there’s a variety of things to do, and the people are super friendly. Plus it’s part of the US so no passport is required, they use US $, and our cell phones worked fine there with no plan add-ons or anything. I promise I haven’t been hired by their tourism board, we just really loved it there!

Now it’s back to work & school tomorrow, and trying to figure out my next CC. I’m still working on the MSR for my Arrival+ but should be done with it in the next couple weeks so I want to get another application going. Wife & I are both 4/24, so I may try referring her to CIC. (Does that one have referrals? I know a lot has changed with referrals lately.) We don’t have our 2020 trips decided yet so that makes it a little more difficult. We’ve talked about doing Universal and possibly WDW next Feb, but not sure how crazy it will be since Galaxy’s Edge will still be pretty new. We all really enjoyed the warm weather vacation in Feb this year though, so want to continue that trend.

Wow great view..so pretty...sounds like you had a great trip ....unfortunately no referrals from the CIC....but since your both 4/24...probably a good move...do you have a CIU yet ?

 

[SouthFayetteFan]

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[magickingdomprincess]

Well the people in the worst position could be those who purchased a code in the last few days as it may no longer work for them.

Very true, I hadn't thought about that. Hopefully they're not out much money.

 

[Ava]

Wow great view..so pretty...sounds like you had a great trip ....unfortunately no referrals from the CIC....but since your both 4/24...probably a good move...do you have a CIU yet ?

I don’t have CIU, that’s the only UR-earning card I’ve never had. I may do CIC for DW, CIU for me, then CIU for her. I think that will max us out on UR cards.

I also need to decide what I want to do with all of my now-Bonvoy cards as they come up on their 1-year anniversaries in the next couple months. I’ll probably wait for the free night certs to post then cancel them. Even if I have to pay the AF first and can’t get it refunded, a free 35K night is worth more than $95-$99.