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

[Lain]

If I got the email that my payment was sent by Plastiq, I'm definitely in the clear, yes?

If the payment is electronic (vs. check), you won't get a payment sent email.

 

[amalone1013]

If the payment is electronic (vs. check), you won't get a payment sent email.

Good to know. It's a check payment.

 

[amalone1013]

Just tried CIP 2 and it went pending. Now I'm sad as I was riding high on DHs instant approval

*starts calling number*

 

[Lain]

 

[amalone1013]

My CIP#2 app has been pending at 2 weeks for 4 days!

I don't know if I can take that stress! I just called and got 30 days... ya know 30 secs after applying.

 

[wendow]

I downgraded mine to a CFU. When I want to make a redemption or transfer, I just call and upgrade it back to a CSR. The process couldn't be easier. I think in your shoes that's what I'd do - and avoid any AF at all. If Disney hotels ever come back, they won't go away again in the short amount of time it takes to call and upgrade.

Do you already have a CF or CFU? I’d downgrade the CSR to a CF or CFU personally. You can upgrade to a CSR at anytime with a 5 minute phone call. If you have a CIP you already have 1.25x at your fingertips for anything you want there. As long as you can still pool and transfer points why pay any AF?

EDIT: it appears @striker1064 and I are on the same page

Thank you both! I had no idea we could PC the CSR to anything other than the CSP. I’d definitely rather no AF so gonna go with the CFU. Awesome!

 

[wendow]

Timberline is big for me personally in my CSR consideration. I value a visit at $30 when DH and I go because we typically spend about $40 at another place at DEN, and we live ~$10 tip at Timberline depending on what we order.

Wouldn't you get the difference in AFs ($55) back in one visit to Timberline??

The loss of lounges, and timberline specifically, would be pretty sad for us but as a fam of 6, we need another card with PP anyways. I will be closing my plat in oct and we won’t have PP on any other cards.

We are going to Disney in aug but we fly out at 6am and won’t be able to use Timberline. It was the same for dh and I this past week when we flew to mco. Timberline was closed.

 

[amalone1013]

Thank you both! I had no idea we could PC the CSR to anything other than the CSP. I’d definitely rather no AF so gonna go with the CFU. Awesome!

I switched mine to a Freedom no issues!

 

[wintotty]

CHASE Sapphire support clicks increase to 15k points!

DoC just shared that the support click increased and you can now earn a max of 75k a year apparently. The signup bonus is still the new 60k offer.

You can share your own links on DoC here:
https://www.doctorofcredit.com/chase-sapphire-preferred-referrals/

Reminder to folks looking at the Sapphire cards, Modified Double Dip is still a thing - research it on DISchurners. It’s not for everybody but if you can hit $8k MSR in 3 months it’s so worth it!

If you’re in 2 player mode and only want to go for 1 Sapphire each you really have to consider now if CSP is the right move for both. You could earn 143k URs between 2 players (60k + 4K + 60k + 4K + 15k) vs 108k from 2 CSRs (50k + 4K + 50k + 4K) OR 118k from 1 of each (50k + 4K + 60k + 4K).

Thank you for the information, sucks my DH just got approved for CSP via my referral........2 days after the referral bonus went up!

 

[wendow]

Called first thing this morning and approval for my dh’s CIP #2!!!

 

[SouthFayetteFan]

Thank you both! I had no idea we could PC the CSR to anything other than the CSP. I’d definitely rather no AF so gonna go with the CFU. Awesome!

Oh yeah - you can PC between CF, CFU, CSP and CSR. You just need to be outside of a year of original approval for CSP and CSR. I’m not sure what would happen if you tried to PC the same card multiple times in a year (that might be frowned upon). Weird hypothetical idea: If you had a CF currently you could downgrade the CSR to CF and upgrade the CF to CSR (and then double dip the TC essentially making $150 in yr 1). People do all kinds of strange strategies with PCs.

 

[SouthFayetteFan]

Thank you for the information, sucks my DH just got approved for CSP via my referral........2 days after the referral bonus went up!

Bummer! If it is any consolation, it’s only 5k URs so $50-$75ish - certainly not “nothing” but still a relatively small loss.

 

[Lain]

Thank you both! I had no idea we could PC the CSR to anything other than the CSP. I’d definitely rather no AF so gonna go with the CFU. Awesome!

No... I feel like you must have known you can PC the CSR to a CF/CFU after your first year...

 

[palhockeymomof2]

Called first thing this morning and approval for my dh’s CIP #2!!!

Congrats

 

[wendow]

No... I feel like you must have known you can PC the CSR to a CF/CFU after your first year...

Maybe I knew and forgot I really was thinking if under one year, had to PC to the no fee Sapphire (like I did with my CSP) and over a year, straight to CSP. It’s all sounding vaguely familiar now...that freedom cards are an option...

 

[WVMomof3]

Has anyone done an online Staples Egiftcard purchase lately? Just wondering how long it should take to get the giftcard. I did it in January and I ordered at 10 pm and had the email with the Egiftcard by 5:30 the next morning. Yesterday I did one at 10 am and still have not gotten the giftcard.

Ok, I just realized Staples called me yesterday and left a message about my order. So instead of calling back like a normal person, I am asking here, Why would they do that?? I used DHs Amex card so order is in his name. Do i want to call back as DH? Side note, my phone is whack. It doesn't like to give my one voice mail so it waits till I have multiple voice mails before they show up! One time I had 4 VM pop up out of nowhere. Today the vet called and left a message so that made the one from Staples yesterday afternoon appear.

 

[WVMomof3]

Oh yeah - you can PC between CF, CFU, CSP and CSR. You just need to be outside of a year of original approval for CSP and CSR. I’m not sure what would happen if you tried to PC the same card multiple times in a year (that might be frowned upon). Weird hypothetical idea: If you had a CF currently you could downgrade the CSR to CF and upgrade the CF to CSR (and then double dip the TC essentially making $150 in yr 1). People do all kinds of strange strategies with PCs.

Do you need to leave your Credit Limit to at least $10k to PC it back? I lowered all of my limits, now wondering if I should have kept one at $10k.

 

[amalone1013]

I see my Citi biz in the mail today. Hopefully that means DHs is there tomorrow so I can knock out that MSR. When does your first Citi statement typically close?

 

[chattadisser]

Has anyone done an online Staples Egiftcard purchase lately? Just wondering how long it should take to get the giftcard. I did it in January and I ordered at 10 pm and had the email with the Egiftcard by 5:30 the next morning. Yesterday I did one at 10 am and still have not gotten the giftcard.

I buy e-gift cards off staples often as my local Staples has chatty cashiers. I've found it varies (maybe it depends on the vendor the card is coming from?) but it usually comes within 24 hours. I try to plan ahead but of course procrastination often gets the best of me.

 

[Disneyonmymind]

DH’s CIP AF hit on April 1st. I am thinking he should PC to a no fee card. He already has the CIC. Does that mean he has to go to a CIU? I was thinking it would be better to get the SUB for the CIU card.... are there other pc options?