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

[FloridaNative8]

The real trivia is, one of those is our first photo together



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I have the first photo DH and I took together on my desk - taken almost 19 years ago!!

 

[vanjust14]

In churning news I got my bonus points for when I referred my sister for the CFU. Now she wants to go for the current CSP offer. I told her to wait 30 days...



I just received a offer via mail for a Citi Premier Card. 50k points after $3000 spend. Is this one of the cards for the grAAvy train?

It's a personal card. Do the business cards have AF's?

The good thing about the Citi Premier mailer is it lacks the 24 month language. You can only get one bonus every 24 months, so if you've had a Preferred/Premier/Prestige in that time-frame you would be able to get another bonus with this mailer. Citi TY points are worth considering imo. You can transfer to many airlines. If you have the Premier, you can redeem at a rate of 1.25. I haven't tried to book a room for Disney, but I did call about tickets and was told I would be able to redeem my points for tickets...I posted about it on Dischurners.

 

[mhartman09]

*sends post to DH*

Same here!!

 

[Haley R]

I don't know if this helps but I met my Capital One Spark threshold on 3/18. Paid the balance on 3/19 and I see the points this morning.
I've never been able to message Capital One, always have called.

The points were there today!! So we got $564 “redeemed” for our jr pass/ghibli tickets! I’m very happy with that

 

[FloridaNative8]

You’re welcome





Congratulations!

It is pretty awesome so far. This part of the trip is DH’s bucket list item. A few days ago he said he was going to brace himself for the very real possibility that the Dubai portion at the Al Maha would be the truly awesome part of the trip. Although we just got here tonight, I think he may be right. We have a lunch reservation at Ithaa, the underwater restaurant on Saturday.

Here are some pics from the room.

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WWWOOOOWWWW!!!! Although I'm like you and terrified of being in the ocean, so those pics make me very anxious!! Thank you for sharing though, truly incredible!

 

[Haley R]

The real trivia is, one of those is our first photo together


I've been lucky enough to not have it happen myself, but I know many who have because that's just the reality of the edge of town and driving to the smaller towns around NE. But she sent me this picture of her car and it's just a giant fireball.

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Omg!! I don’t think I’ve ever actually seen a car on fire. When I hit a deer Dh and I decided we would just drive around on some roads just outside of town. There isn’t much to do in a small town besides drive lol. I think sometimes we forget that hitting a deer is a very real possibility

 

[speedyfishy]

Oh? Did you call or SM? I SM'd and they said it was for new account from March 18 onward.

And I know this statement isn't true, lol.
"Although we appreciate your loyalty, we ask that you trust that this decision is the same for all cardmembers. We feel that adhering to the same policy for all such members is the best way to remain fair and consistent."

LOL I sent an SM maybe just generate a new one and try again. They said something like you didn’t qualify for this promotion didn’t say anything else so I just asked why and they gave me the points.

 

[Haley R]

I always check our garage door before I go to bed and a lot of times it is still up at midnight. Either one of the teens forget to put it down or it pops back up. It's super sensitive to end just the wind blowing or a snow flurry and back up it goes. Thankfully, we live in a pretty safe area. My house was broken into when I was a kid so I always check all doors before bed.

My house has never been broken into but as a kid we had houses in the neighborhood that were. It basically scarred me for life. I’m always thinking someone’s inside my house

 

[Haley R]

Thank you everyone for the prayers and wishes for my SIL. My MIL texted me this morning and the house was on fire AGAIN! I doubt there’s anything left at this point. We will definitely be buying things for their family but are waiting to hear back on what they need.

 

[striker1064]

In churning news I got my bonus points for when I referred my sister for the CFU. Now she wants to go for the current CSP offer. I told her to wait 30 days...



I just received a offer via mail for a Citi Premier Card. 50k points after $3000 spend. Is this one of the cards for the grAAvy train?

It's a personal card. Do the business cards have AF's?



Ordered sweet tea at a Southern style restaurant in Atlantic city and couldn't drink it. Too sweet for me. Had to have my regular sweet Pepsi.

Maybe someone here can chime in on how to use TY points for a disney resort before you open the card. The redemption value may stink. I'm just not sure.

The AA miles are 1cpp (or very close) for Disney so that might be something for you to look into. The AF is waived on the Citi AA biz and personal cards for the first year.

The good thing about the Citi Premier mailer is it lacks the 24 month language. You can only get one bonus every 24 months, so if you've had a Preferred/Premier/Prestige in that time-frame you would be able to get another bonus with this mailer. Citi TY points are worth considering imo. You can transfer to many airlines. If you have the Premier, you can redeem at a rate of 1.25. I haven't tried to book a room for Disney, but I did call about tickets and was told I would be able to redeem my points for tickets...I posted about it on Dischurners.

@Tikitoi - GREAT card, rare mailer. Hang on. This isn't the grAAvy train, but the grTYTYvy train. Premier points can be used in Citi's portal at a redemption rate of 1.25 cpp. They do have Disney hotels, although the rates seem to fluctuate wildly when I check them every so often. Definitely deals to be had.

The reason more people don't talk about this card is because TY points are hard to accumulate given Citi's restrictive anti-churning rules. The difference, of course, is mailers. AA mailers are discussed much more widely because they are readily available and fairly easy to get if you want. Premier mailers? They don't come around very often.

It's up to you if you want this card, but this is what I would do: apply for the public offer for the Citi Premier on Citi's website. It's the exact same 50,000 TY points after $3k spend. Get that card, wait 60 days (to be safe), then apply for another one using the code in your mailer. That mailer bypasses Citi's anti-churning rules. Also, there are targeted offers out there for 60,000 TY points - there's a decent likelihood you will be match to that offer on both cards.

60,000 + 3,000 + 60,000 + 3,000 will net you 126,000 TY points, worth $1,575 when redeeming through Citi's travel portal for hotels. You can also transfer to airlines. Or, a little known fact, you can cash out those points toward a mortgage or student loan payment at 1 cpp by calling Citi. It's a little weird because it's a check sent to you but made payable to your bank, but it worked fine when I did it last year.

Definitely look into the card more. I think this is a very valuable card that shouldn't be missed, obviously.

 

[Lain]

Oh and in other news, chase did my CL decreases yesterday so I went from over $90k down to $42k or something. So now how long should I wait to app for CIP 2? I could pay balances to $0 to force it to report to my CRs if that helps. Maybe do that today and app on Fri?

I don't actually know how quickly a credit report will reflect the lower limits. Of course this won't help you but as general advice, I think people should be proactive and continual with reducing CLs if that is your strategy. I try to reduce mine months before I plan to apply so it's no issue. The idea of paying off cards probably isn't a bad thought for you though!

FWIW, I lowered the CL on my PCed CF, which the Chase rep said was effective immediately. No update to my credit reports. About a week later, I paid off the current balance on a Friday, and received alerts from myFICO on Monday of an account change reflecting the lowered CL; the statement close date wasn’t for another 10 days. I’m pretty sure Credit Karma would alert you to similar account changes for Equifax and TransUnion.

I think this really only matters for reductions of CL on personal cards, since Chase reports the CLs and balances on your personal cards to your credit reports (after close of statement or pay off), and Chase always does a hard pull when you apply for a new card, but there’s that delay between your CL decrease being effective immediately in Chase’s system and what Chase’s approval algorithm sees on your credit report(s) until the lower CL is actually reported to the bureaus.

We’ve talked about whether Chase reports to or pulls business credit reports on our “businesses,” and if we even have a business credit report, and I think the consensus was it’s unlikely our small little sole proprietorships even have business credit reports, and Chase is unlikely to waste resources reporting to and pulling business credit reports on these small business applications for credit. If that’s the case, I doubt you have to wait long for any update to the CLs on your Chase business cards to take effect.

 

[DisneyMandC]

Denied for bonus match on CSP that DH got back in December. Saw a similar DP on r/churning that was successful, so thought I'd try it. Oh well.

I got denied too at first so i asked why didn’t I qualify and then they matched me lol.

Hmmm... DH also got his CSP in December... maybe I'll try this.

Don't forget you can get McCormick & Schmicks cards at Costco 20% off and they work at yak n yeti.

Thanks for this! didn't realize they were Landry's.


Ok, someone clue me in... what's BSC?

 

[elgerber]

Thank you everyone for the prayers and wishes for my SIL. My MIL texted me this morning and the house was on fire AGAIN! I doubt there’s anything left at this point. We will definitely be buying things for their family but are waiting to hear back on what they need.

What??? a third time??

 

[Judique]

My DH has also left the garage door open overnight....and a few weeks ago he left his keys in the front door hanging there overnight

OMG! Not only have I left the keys dangling in the door, I've left the door wide open. Not funny. We live in a neighborhood where we are well known and I feel safe but you never know what weirdo may come along. I've gotten better about checking things before actually sleeping.

 

[kidsfirsttrip]

Happy dance for you!!! Congrats!

FINALLY! I was thinking of you - come on just approve it and give me my dinky 2K limit. Was surprised they gave me 5k!

Did you ever find out why DH was denied?

My plan forward with Barclay is to ride it out and sock drawer both cards after I meet the MSR on this one. I will keep DHs JB biz (for free bags) and downgrade his arrival +. I will cancel
my JB biz and AAdvantage biz at the one year make and then see if I can get back into Barclays good graces.

 

[kayteekt]

So I went to apply for DH's CSR. It directed me to sign in, I did - hope that was ok. Tried it several times and kept taking me to sign in page. Just had to put in his income and phone number. Then got this back "We need to review your request a little longer. We will let you know of our decision as soon as possible." Guess I'll be stalking the status line. How long do I wait to call?

 

[calypso726]

WWWOOOOWWWW!!!! Although I'm like you and terrified of being in the ocean, so those pics make me very anxious!! Thank you for sharing though, truly incredible!

I was taking some pics at night and looking in the water. I could see “something” in the moonlight swimming below. I had to leave the deck, my stomach was in knots.

 

[amalone1013]

Thank you everyone for the prayers and wishes for my SIL. My MIL texted me this morning and the house was on fire AGAIN! I doubt there’s anything left at this point. We will definitely be buying things for their family but are waiting to hear back on what they need.

Ah that is crazypants. I'm so sorry for SILs family.

 

[amalone1013]

Ok, someone clue me in... what's BSC?

https://tenor.com/view/crazy-****-bat-gif-9862653

 

[vanjust14]

So I went to apply for DH's CSR. It directed me to sign in, I did - hope that was ok. Tried it several times and kept taking me to sign in page. Just had to put in his income and phone number. Then got this back "We need to review your request a little longer. We will let you know of our decision as soon as possible." Guess I'll be stalking the status line. How long do I wait to call?

If you are @SouthFayetteFan two, maybe three, minutes