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

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Picked DH up at the airport last night. He talked my ear off the whole way home about how great the mother lode weekender junior was :P Thanks @Andysol Now he wants to order the other two professional bags to compare, since he is looking at a lot of work travel in the next few months (vs me ordering another weekender, I tried to convince him to do this originally, but... hmmm have I ever told you guys the story of his wedding ring?)

Ebags is at 15% cash back (until I think today). That’s not bad...
 
Glad you liked it! Also loved the ring story. I lost mine during our honeymoon.

I use the professional slim laptop bag myself for work. It doesn’t hold nearly as much as the weekender, but we manage.

Headed today to universal for the weekend. Wish me luck (thanks companion passes).

Well be at universal on sunday.
If you frazzled parents with a 6 year old in robes and a cranky 1 year old, say hi.

Also our first companion pass trip!
 

I’m in MA too and my kids have not had one snow day all season. That never happens. But I’ll gladly take it over the winter of 2014-2015 when we had 108.6 inches!

Our winter started slow but then hit some areas of SE MI hard. I have friends on their 14th snow day and now going to school until late June (we normally get out mid June). We have taken 5 or the 6 we're allowed. But most were from the polar vortex and ice, not snow.
 
A very interesting and thoughtful response friend! “Caught” is such a great word to use too - because I can’t even define what they can “catch” me doing. I would have clear backup for why Hilton points are worth 0.5cpp (I actually used those Hilton points on a redemption in 2018 at less value than that and can produce proof); you can also clearly show how MRs are worth 0.6cpp. I’m worried about getting “caught” doing something legal...but more so I guess it would be the hassle of proving that and the concern that even given reasonable proof that they’d argue otherwise.

Definitely. As I reread my response, "caught" was definitely the only word my coffee-deprived brain could conjure, but a better term would be "noticed" by the IRS. Would they even notice your adjustment? Maybe. Probably not.

The only reason I personally am a little more leery of this is because the IRS noticed something on our taxes last year. DW previously had a job she left, and moved money from her 401k to an IRA. Once she passed the waiting period last year at her new job for her new 401k to be set up, we moved the funds from the IRA to her new 401k. This is a pretty uncommon transaction that looks weird, and there's no easy way to explain what this is on a normal tax return. And indeed, the IRS saw it and interpreted it as an early IRA cash-out, and asked for $2k in extra taxes unless we could adequately explain why we did not owe more taxes. That was an unpleasant few months of waiting for their response even though I had everything in order and even sent in the applicable tax code describing what we did as allowable.

Point - even if you're unlikely to be noticed, it still happens!
 
@LilSweetPeaPhoto Yikes, I feel your pain. I had 3 different cc used fraudulently in 3 months. Even though it was caught and my cc’s were canceled and replaced, it is still a pain and makes me feel paranoid. Hope nothing happened to your replacement cards and you get them soon.

Seems all I needed to do was post here. The replacements showed up yesterday for IHG. Amex didn't mess around and they overnighted those. But for the $450 annual fee, they should overnight replacements.

The new fun.....someone is attempting to log into my Citi account as I'm blocked from logging in and even resetting my login. GRRRR!
 
Seems all I needed to do was post here. The replacements showed up yesterday for IHG. Amex didn't mess around and they overnighted those. But for the $450 annual fee, they should overnight replacements.

The new fun.....someone is attempting to log into my Citi account as I'm blocked from logging in and even resetting my login. GRRRR!
People on rchurning are reporting issues with the website
 
Is 50k URs the best sign up bonus they’ll be? It just seems a little low :confused3

Just to add what everyone’s said about (1) these are no fee cards, (2) that require only $3k in MSR, (3) compared to the Chase Freedom and Freedom Unlimited no fee cards that have only 15k UR bonuses, and the CSP and CSR that have 50k UR bonuses but require $4k in MSR — the CIC and CIU signup bonuses are very good deals!

I also want to comment about your perception that 50k URs “seems a little low.”

Ultimate Rewards points are one of the most valuable points and miles currencies because of the amount and quality of Chase’s travel partners that you can transfer your UR points to their programs, and the ability to pool UR points between your UR-earning cards and your household’s UR-earning cards onto the highest redemption value card (the CSR for a 50% bonus in value) to make 1 point worth at least 1.5 cents towards travel (flights, hotels, car rentals, cruises, excursions, attraction tickets, etc.) on the Chase UR travel portal. Or you can always just cash out UR points for 1 cents a piece. That’s at least $500 value in cash, or $750 in travel, and potentially more if you find a transfer for a sweet redemption.

The fact that Chase has so many UR-earning cards, the CF, CFU, CSP, CSR, CIC, CIU, and CIP with signup bonuses and different bonus categories means you can accumulate quite a stash of points from the signup bonuses as you work your way through the portfolio, and as you pick up more of the cards you build out your own wallet that’ll keep earning you category bonuses on most of your everyday spend.

I don’t know if you are suggesting that “50k” UR seems low compared to say the current “100k” Bonvoy offers or the “150k” Hilton Honors offers. Not all points and miles are worth the same. They are each their own currency. If UR points are dollars, think of Hilton points as pesos, and Marriott points something in between. In many situations, it’ll cost a lot more Marriott or Hilton points than using URs to book the same stay. (That’s not to say don’t also earn other points and miles eventually, because that’ll give you options when certain redemptions may favor that program’s own points or miles.) Generally, I would much rather have 50k UR than 50k (and arguably even 150k) Hilton Honors points. Don’t get distracted by these numbers. Signup bonuses aren’t so easily compared across programs, but they can be a good measure of whether a current signup bonus is good or not compared to other cards that offer the same currency and against past offerings.
 
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Seriously what even codes as 3x anymore lol not keeping a $95 annual fee card to pay my phone bill with and get 3x lol

You have to let us know how many URs you earned from 3x on GCM.

(I know that amount helped offset fees, but still curious about the volume.)
 
You have to let us know how many URs you earned from 3x on GCM.

(I know that amount helped offset fees, but still curious about the volume.)

I don’t have detailed records but I was doing about $20,000 a month. 10,000 on my CIP and 10,000 on SO’s I wanted to upgrade him to a third CIP in May. That was giving me $600ish a month. Some months I took off tho like these last three. I had lots of MSR and bar prep. Now of course I finished the bar exam yesterday and was just about to start hitting it hard again lol.
 
Definitely. As I reread my response, "caught" was definitely the only word my coffee-deprived brain could conjure, but a better term would be "noticed" by the IRS. Would they even notice your adjustment? Maybe. Probably not.

The only reason I personally am a little more leery of this is because the IRS noticed something on our taxes last year. DW previously had a job she left, and moved money from her 401k to an IRA. Once she passed the waiting period last year at her new job for her new 401k to be set up, we moved the funds from the IRA to her new 401k. This is a pretty uncommon transaction that looks weird, and there's no easy way to explain what this is on a normal tax return. And indeed, the IRS saw it and interpreted it as an early IRA cash-out, and asked for $2k in extra taxes unless we could adequately explain why we did not owe more taxes. That was an unpleasant few months of waiting for their response even though I had everything in order and even sent in the applicable tax code describing what we did as allowable.

Point - even if you're unlikely to be noticed, it still happens!

They corrected our return one year. I was pretty shocked, I really didn't think people actually looked at them. lol I can't remember the specifics, but they didn't audit us, they just sent us amended numbers and said if you agree with our corrections then do nothing.
 
Seriously what even codes as 3x anymore lol not keeping a $95 annual fee card to pay my phone bill with and get 3x lol
Possibly not Venmo either. Only one comment about that so far but same date. 2/26, the day the CIP train derailed? Wonder how many who were getting 2 or 3 of them planned it for ongoing activities and not just this bonus? Sad day for some.
 
Especially when you can get 5x on the CIC...that said I think people pay their cell phone bills with the CIP for the insurance

Well, GCM made it easy. A $500 VGC has a $5.95 fee (1.9%), but earned 3x UR on CIP and 1% cash back on Ebates. And you could customize your gebit cards with your name on them so if your Money Center only accepted cards with your name on them, you were covered. Simon, which ran on the GCM network, was even cheaper with only a $3.95 fee (0.8%) on $500 VGCs.

VGCs from office supply stores top out at $200 in-store, and I believe carries a $5.95 or $6.95 fee. Although there are frequent sales, technically the deals are limit 1 and some stores are pretty strict about enforcing the limit. So not only are gebits from office supply stores generally more expensive outside of sales, they’re lower denomination which makes liquidation harder, and potentially lower volume which makes heavy MS harder.
 
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