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

[Natgridenergy]

I got a letter denial on the first match. An email denial the 2nd time I think. Then I got an email approval the 3rd time and the pts posted with my stmt close. Some people on Reddit have mentioned never getting any response but seeing the points post.

On your second and third time, did you just say the same thing as in the first message?

 

[CyndiLouWho]

I can't live this way. I never charge anything on a new account until autopay is setup.

Autopay in full. Never paperless.

I need to do this in case something happens to me. DH would be lost. This would buy him time to get things sorted without having a giant mess.

My dad did that. Autopay everything. When he passed away, it took months to find all his accounts. 5 years later my mom still has everything on autopay and has no idea what her balances are for bank accounts or credit cards.

 

[Natgridenergy]

Barclay AAdvantage Aviator Biz is back to 60k miles up from 50k. Now on par with the personal offering. Still only $1K min spend.

 

[CyndiLouWho]

I also hand write each bill in my calendar and pay each one individually . I think the only automatic one is my student loan because you get a small discount.

Yes, I hand write each on the date, with a rounded up balance due, along with pay dates. It really helps me to see a whole month at a time. A little check mark next to the payee means I’ve scheduled payment. And yes I still keep an old fashioned check register although I did recently convert to a spreadsheet. Gotta get with it and start an actual budget software

 

[GlamMistress]

My dad did that. Autopay everything. When he passed away, it took months to find all his accounts. 5 years later my mom still has everything on autopay and has no idea what her balances are for bank accounts or credit cards.

Geez.

Yeah we're not like that. It's more just about DH not having to worry about a random card being used or something. He knows all the bank accounts we have, etc. But with so many credit cards, it is a worry. I need to update my list of who owns what account, the due date, bank affiliation, account password etc. I try to keep a list like this in our safe. If a meteor takes us both out at once, then at least my Mom could get things sorted and closed out.

See? I'm so type A I want to make sure Amex is paid even after my demise (but not before someone grabs all my MR points and transfers them to Delta or something, lol).

 

[CyndiLouWho]

Geez.

Yeah we're not like that. It's more just about DH not having to worry about a random card being used or something. He knows all the bank accounts we have, etc. But with so many credit cards, it is a worry. I need to update my list of who owns what account, the due date, bank affiliation, account password etc. I try to keep a list like this in our safe. If a meteor takes us both out at once, then at least my Mom could get things sorted and closed out.

See? I'm so type A I want to make sure Amex is paid even after my demise (but not before someone grabs all my MR points and transfers them to Delta or something, lol).

I am more my dad than my mom. She drives me nuts not checking things. I’m pretty type A and my dad was fairly organized but it took awhile to find all his accounts because he had a book listing accounts and passwords including active and inactive mixed together. My mom used to work in accounts payable for various companies yet says it’s “too hard” to keep track of her accounts. Nuts.
And I do have spreadsheets for our accounts. On my iPad. Which DH would probably not think to look at if I was gone.

 

[elgerber]

I have not received my card yet either. I've already met the MSR lol but want to SM for a match with the card in hand.

Ha, guess what was in the mail today? It didn't show in informed delivery, but it's here and activated!

 

[Lain]

your hotel points = 8.5x UR points...

Depends on your status and cards.

 

[Jaime4004]

AAAAARGGH - I've committed the cardinal sin......missed a payment on DWs CIP. Its only a day late - i thought I had everything set up before I went on vacation, but clearly missed one.

Anyone able to advise on likely impact of future chase personal card applications - I had the CSP or CSR lined up for DW in the near future. Do I need to wait a couple billing cycles before applying? longer?

So mad.....really need to get myself set up on mint or quicken or something. 30+ credit cards to manage is inviting the odd mishap here or there.

I paid 3 chase credit cards out of the wrong account and had insufficient funds for all 3, charged a fee from them and my bank. It was an expensive lesson but they seem pretty forgiving and haven't denied me any cards since. I'm sure they're happy to get fees out of people who don't pay interest..

 

[SouthFayetteFan]

Barclay AAdvantage Aviator Biz is back to 60k miles up from 50k. Now on par with the personal offering. Still only $1K min spend.

THANK YOU!!! I might just have to pull the trigger on 2 Barclays Biz cards now Since we have some folks that recently applied on the 50k offer - does anybody know if Barclays will match to 60k??

 

[SouthFayetteFan]

On your second and third time, did you just say the same thing as in the first message?

Lol yup. Citi being citi??? Haha

 

[Natgridenergy]

THANK YOU!!! I might just have to pull the trigger on 2 Barclays Biz cards now Since we have some folks that recently applied on the 50k offer - does anybody know if Barclays will match to 60k??

No idea but I'm absolutely going to give it a try. My biz should be in the mail as we speak.

 

[Lain]

Barclay AAdvantage Aviator Biz is back to 60k miles up from 50k. Now on par with the personal offering. Still only $1K min spend.

THANK YOU!!! I might just have to pull the trigger on 2 Barclays Biz cards now Since we have some folks that recently applied on the 50k offer - does anybody know if Barclays will match to 60k??

No idea but I'm absolutely going to give it a try. My biz should be in the mail as we speak.

Same topic on Reddit says should match within 30 days. Worth a try.

ETA previous report on DoC of Barclays matching better Arrival+ offer within 30 days of signing up for the card.

 

[SouthFayetteFan]

Hey @Lain - thanks for all the work populating the news thread. I’m a slacker/loser on that lately. I super appreciate all you’re doing there!!!

 

[SouthFayetteFan]

.

 

[DisneyMandC]

THANK YOU!!! I might just have to pull the trigger on 2 Barclays Biz cards now Since we have some folks that recently applied on the 50k offer - does anybody know if Barclays will match to 60k??

I feel like I vaguely remember asking for a match back when I got the card with the one-time purchase offer. The rep wouldn’t do it, but she was almost downright rude on the phone just trying to find out for me if I’d been approved or not. Others may have better success.

 

[mom2elal]

I have 5 more Slices of Joy from the gift card deal that ran over the holidays! And I need to redeem them all before they expire at the end of this month! Since I usually only go to the Cheesecake Factory once a month to use my dining credit, and I'm pretty sure these vouchers are limit 1 per visit, I'm going to have to make a few extra trips this month just for a slice or else leave money on the table.

We have 8 more, two for each of us! You can use one Slice of Joy for each person in your party. We always do the whole family at once.

ETA: Whoops, I guess a bunch of people already told you this!

 

[kandb]

I have a Capitol One Venture credit card. It gives 2 points per dollar spent. I use it a lot and love this credit card. I get gift cards with my reward points. Today I got an email that says now it in order to get gift cards it costs more rewards points. Example- for a $10 gift card that usually used 10,000 points, now costs 12,500, which seems like a 25% increase in using rewards points. This really stinks. It was always 1:1. I wonder if a lot of the other credit cards are going to start doing this?

 

[SouthFayetteFan]

I have a Capitol One Venture credit card. It gives 2 points per dollar spent. I use it a lot and love this credit card. I get gift cards with my reward points. Today I got an email that says now it in order to get gift cards it costs more rewards points. Example- for a $10 gift card that usually used 10,000 points, now costs 12,500, which seems like a 25% increase in using rewards points. This really stinks. It was always 1:1. I wonder if a lot of the other credit cards are going to start doing this?

Since the vast majority (probably 95%+) of us here are using points for travel this is probably a nonevent. Devaluations are definitely a thing in this game so it’s always good to have multiple redemption options in mind. The nice part about constantly chasing signup bonuses is you’re still getting a 20%+ return consistently

 

[Lain]

I have a Capitol One Venture credit card. It gives 2 points per dollar spent. I use it a lot and love this credit card. I get gift cards with my reward points. Today I got an email that says now it in order to get gift cards it costs more rewards points. Example- for a $10 gift card that usually used 10,000 points, now costs 12,500, which seems like a 25% increase in using rewards points. This really stinks. It was always 1:1. I wonder if a lot of the other credit cards are going to start doing this?

So a bad deal just got worse. Find another (better) use for your points, or move your spend to another credit card issuer’s rewards program and earn points there.