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

[Breck]

I stumbled upon this thread last week while looking for planning tips for my upcoming WDW trip. I've been reading doctorofcredit for a few years and thought I knew what I was doing with credit card churning, but you guys have taken it to a whole new level! I've learned so much this past week and I just wanted to say thank you for sharing!

 

[Albort]

I called the status line for CIP#2....got the 2 weeks message. Maybe a good thing?!

if it remains 2 weeks for another day, it should be in the bag... but theres still a 1% chance of a no.

 

[Psychodisney]

if it remains 2 weeks for another day, it should be in the bag... but theres still a 1% chance of a no.

I won't be at ease until it's a done deal. Fingers crossed.

 

[miztressuz]

No. If a business card does not report to a personal credit report (and the CIP doesn't), then an employee card on that biz card also won't report to the "employee's" personal credit report. If a card, AU card, or employee card doesn't show up on a person's credit report, it doesn't count against 5/24. An employee card on your CIP for your wife won't make her ineligible for her own CIP at a later time.

I grabbed your response just because it introduces a question I've been meaning to ask the hive mind here - and I certainly don't mean this in a snarky or condescending way, at all, ever - I'm genuinely trying to understand where the confusion about AU cards eligibility come in. It gets asked a lot and so are there any issuers anywhere that make a distinction that if you have a card in your name (not an account!) that it negates the bonus or benefits or whatnot? I can understand people asking as a belt and suspenders approach if that's the case.

Since an authorized user is not the same as a joint account holder, when terms say you can't have had the card before, as an authorized user you are eligible because you don't have that card - someone else does and has simply authorized you to use their card (i.e. spend their money). In fact, I really don't remember giving any more information other than hubby's name when I first got him a couple AU cards so he could spend my money. I know that's not the case any more for most issuers, but if all they had was a name, there's no way they could tie that to any specific individual definitively.

Now a joint account holder is different, if the card is in both your names, then you each have equal responsibility for that account and it's debts. Thus if you had a joint account and now are trying for an individual account, I could see that negating the bonus terms. But does anyone even issue joint account cards anymore? I know there's some grandfathered ones out there but I haven't seen a credit application where I could jointly apply in forever.

So am I missing something in the equation? Or is it just a misunderstanding from the joint account holder days, where people assume AU is the same as having a joint account now? I admit some stuff just doesn't even enter the radar so I'd welcome enlightenment ​

 

[SouthFayetteFan]

I stumbled upon this thread last week while looking for planning tips for my upcoming WDW trip. I've been reading doctorofcredit for a few years and thought I knew what I was doing with credit card churning, but you guys have taken it to a whole new level! I've learned so much this past week and I just wanted to say thank you for sharing!

Hi there and welcome! You aren’t eligible to send a PM until you have 10 messages here (or else I’d PM you this comment)...but if you want to join our DISchurners reddit group, let me know your reddit name and I’ll add you

 

[Lain]

I’ve stayed at essentially every hotel on Waikiki for work. Sheraton (the one on the beach) near the Hilton Hawaiian village is hands down the best in my opinion.

The Sheraton Waikiki next to the Royal Hawaiian Center? We stayed there over the New Year. The location (along with the Royal Hawaiian) is hard to beat. But the walls and ceilings were thin, and the rooms looked to be in need of a refresh. My DW’s cousin is in management at the Sheraton and told us they’re starting a $100 million renovation over the next two years, so that may impact some people’s plans to stay there. Marriott also raised the Sheraton Waikiki to a Cat. 7 recently, making it more expensive to stay there on points.

 

[Lain]

I grabbed your response just because it introduces a question I've been meaning to ask the hive mind here - and I certainly don't mean this in a snarky or condescending way, at all, ever - I'm genuinely trying to understand where the confusion about AU cards eligibility come in. It gets asked a lot and so are there any issuers anywhere that make a distinction that if you have a card in your name (not an account!) that it negates the bonus or benefits or whatnot? I can understand people asking as a belt and suspenders approach if that's the case.

Since an authorized user is not the same as a joint account holder, when terms say you can't have had the card before, as an authorized user you are eligible because you don't have that card - someone else does and has simply authorized you to use their card (i.e. spend their money). In fact, I really don't remember giving any more information other than hubby's name when I first got him a couple AU cards so he could spend my money. I know that's not the case any more for most issuers, but if all they had was a name, there's no way they could tie that to any specific individual definitively.

Now a joint account holder is different, if the card is in both your names, then you each have equal responsibility for that account and it's debts. Thus if you had a joint account and now are trying for an individual account, I could see that negating the bonus terms. But does anyone even issue joint account cards anymore? I know there's some grandfathered ones out there but I haven't seen a credit application where I could jointly apply in forever.

So am I missing something in the equation? Or is it just a misunderstanding from the joint account holder days, where people assume AU is the same as having a joint account now? I admit some stuff just doesn't even enter the radar so I'd welcome enlightenment ​

I really think that for 98-99% of folks out there, they don’t understand that having an AU card is not the same as having a card in your own name. The AU card has their name on it, so they want to make sure that having an AU card with their name on it is not the same as having or having had the card before that would make them ineligible for a SUB if they applied for that same card themselves.

 

[amalone1013]

The good news is, I dont have to stress over that coworkers Hawaiian vacation.

The bad news is, that's the price of some package they booked through someone.

Hopefully they have a good time (but it still hurts me... just switching to mon to mon for the trip drops the flights $250pp...

 

[Natgridenergy]

I called the status line for CIP#2....got the 2 weeks message. Maybe a good thing?!

Mine says 30 days. Better than auto transfer to a rep like before.

 

[GZanta77]

The good news is, I dont have to stress over that coworkers Hawaiian vacation.

The bad news is, that's the price of some package they booked through someone.

Hopefully they have a good time (but it still hurts me... just switching to mon to mon for the trip drops the flights $250pp...

The burning question is though.......did you tell them it was a good price?

 

[palhockeymomof2]

I called the status line for CIP#2....got the 2 weeks message. Maybe a good thing?!

2 weeks..is good...you just don’t want it to go to 7-10 days ...hopefully your approved soon

 

[amalone1013]

The burning question is though.......did you tell them it was a good price?

Haha! Apparently it was just DH wanting to know if it was or what I thought about it.

When I told him I priced their flights out, he asked me what it would cost to fly SW there. So he does listen when I talk: P

 

[palhockeymomof2]

I stumbled upon this thread last week while looking for planning tips for my upcoming WDW trip. I've been reading doctorofcredit for a few years and thought I knew what I was doing with credit card churning, but you guys have taken it to a whole new level! I've learned so much this past week and I just wanted to say thank you for sharing!

Hi and Welcome...

 

[Haley R]

I am #1 in our family bracket right now! Whoop. Gotta get excited now cause I’m sure it won’t last.

Usually my bracket takes a hit the first round but I do really well when it gets to the bottom eight

 

[momincolorado]

I'm fairly certain that you do not need to meet MSR before using the airline credit. So long as you have selected United, you should be good, assuming that the charges count as incidentals (or whatever the technical term is).

Great, thanks! Not sure if unaccompanied minor fee will fall under their definition of incidentals but I went ahead and booked the flight with 2 separate charges - one for the taxes and fees ($103.83) and the other for unaccompanied minor fee ($300) put both on the Plat so will have to wait and see if it triggers the credit. Keeping fingers crossed.

As a side note, I came across this thread abt 5 wks ago and found it incredibly helpful. Following the advice on here, DH got his CIP and I got the SW biz (first business cards for both of us). We went through his CIP MSR quickly, the points posted this week and today I was able to book our first redemption - DD's flight to Germany. $1,457 if we were to pay cash (we were limited to non-stop flights and the first two wks of August) plus the $300 unaccompanied minor fee. Instead, we paid 60k miles RT (had 27K in the account from an old MPEX card so transferred the rest from part of the CIP bonus), $103.83 in taxes and fees and $300 unaccompanied minor. If the fees trigger the airline credit on the Platinum our OOP expense on that flight will be $203.83 - very happy with that redemption! Thank you all for the wonderful advice you give on this thread!

 

[Etonduf]

It does not count against her 5/24 and will not impact her ability to get her own CIP

No. If a business card does not report to a personal credit report (and the CIP doesn't), then an employee card on that biz card also won't report to the "employee's" personal credit report. If a card, AU card, or employee card doesn't show up on a person's credit report, it doesn't count against 5/24. An employee card on your CIP for your wife won't make her ineligible for her own CIP at a later time.

Thanks for the quick responses. I had already added her and was "sure" it wouldn't impact her, I just wanted a little validation from the crowd.

 

[GusGus16]

The Sheraton Waikiki next to the Royal Hawaiian Center? We stayed there over the New Year. The location (along with the Royal Hawaiian) is hard to beat. But the walls and ceilings were thin, and the rooms looked to be in need of a refresh. My DW’s cousin is in management at the Sheraton and told us they’re starting a $100 million renovation over the next two years, so that may impact some people’s plans to stay there. Marriott also raised the Sheraton Waikiki to a Cat. 7 recently, making it more expensive to stay there on points.

Agree with the above, the rooms did not impress, also lots of hustle and bustle in the lobby. I was there just over a year ago, and we preferred the Waikiki Beach Marriott Resort and Spa, although it is across the street from the beach. Marriott made this a Cat 6, which I don't think it is worth, but Marriott really has devalued across the board, unfortunately.

 

[miztressuz]

I really think that for 98-99% of folks out there, they don’t understand that having an AU card is not the same as having a card in your own name. The AU card has their name on it, so they want to make sure that having an AU card with their name on it is not the same as having or having had the card before that would make them ineligible for a SUB if they applied for that same card themselves.

Gotcha. I'm mostly making sure I'm not missing something out there, like, if there's an odd issuer out there or something. I know your experience shapes your expectations for other situations. Like our first 2 cruise lines were Princess and Disney. Both lines allowed you to book shore excursions before the cruise and it was charged to your onboard account. Color me surprised when we booked NCL and find out that you had to pay at the time of booking! When I looked into it apparently most cruise lines do that now, I happened to book both of the last hold outs for our first few cruises so it was an eye opener
Don't want to have that kind of eye opener with a credit card bonus.

 

[pinkxray]

When will I see a credit on the Citi AA for the $200 gift card? I just got my first statement and no credit?

 

[SouthFayetteFan]

When will I see a credit on the Citi AA for the $200 gift card? I just got my first statement and no credit?

What offer did you signup for? When did the gift card purchase post?