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

[Humbug30X]

Also - I see you’ve made a few comments on our thread. Are you into churning credit cards? Would you like to join our reddit group? Would you want some more customized advice on how to supercharge your CC earnings? We can help with all of that here.

Thanks! I’m learning a lot just reading. I’m definitely not churning, just trying to get some SUB and cards that offer cash back/points in my top spend categories.

 

[SouthFayetteFan]

Thanks! I’m learning a lot just reading. I’m definitely not churning, just trying to get some SUB and cards that offer cash back/points in my top spend categories.

But what you just said IS churning

At any rate, if you’re benefiting from what people are saying here, please consider joining DISchurners where you could support another member by using their link when applying for a card

 

[3 DD love princesses]

Your only limit is your imagination haha. Did you miss the discussion yesterday about the person who has 4 on r/churning. This is most certainly a loophole so it could get shutdown at any time. But if Chase will approve you, currently you could probably get 10! The only limit is your imagination and level of courage!

Wondering if I should go ahead and apply. I haven’t lowered my credit limits this month so not sure how easily I’d be approved. But after spending $1000+ at bjs yesterday and with DD oral surgery non participating provider bill coming up I’m missing out on a spend.

I last applied with chase 2-11 and DH 2-28
Would it be too soon to apply with chase for DH? Rather refer him vs self referral his CIP closed on 2-28

 

[kidsfirsttrip]

"Hi...I want to reload my Serve card" (Dollar General will swipe it for you, Family Dollar you can swipe yourself)
"Please swipe you card...great...how much would you like to add?"
"$500 please!!!!!!!"
"Great...go ahead and swipe!" (VGC or MCGC and enter the pin).."Thanks have a nice day!"
You then run outside and to the next location.

You will get an email that funds were added, along with the receipt from the merchant.

Nice! Are you limiting to $500/day or per store? What caused the temporary shutdown?

 

[amalone1013]

Funny we did Pop (just one night) and Swan for 2 in Feb. I honestly couldn’t see us staying at Pop for more than a night or two. It totally met our needs (the DME was a plus!) and with the dining plan I bet it will meet yours. We tend to spend very little time in the room but something about the overall feel I just didn’t love. I LOVED the Swan. The area, the size of the rooms, the pool, the boat to DHS, I just really loved it all. I think the split is the way to go. The DDP will come in handy!

Can I just throw out that one thing I love about this thread is that no one tell's anyone else they are wrong for liking any of the hotels? So often on other threads it feels like people want to jump you if you don't stay Deluxe Club Level every trip or one hotel is better than another NO MATTER WHAT AND YOU ARE WRONG IF YOU DISAGREE!!

We are Pop fans but biased as it's the first place we stayed (also, I always wanted to stay at one of the All Star resorts for the large Disney figures when I was growing up, and we've always been in the 50s section so I get that with the Lady and the Tramp figures, which is one of my favorite movies ). But we've also loved all of our Swolphin stays, and would probably pay cash OOP over Disney deluxe if the rate was right (vs Disney hotels). We don't spend much time in the room anyways and I think we'd be bad at hanging around enjoying the deluxe hotels unless we didn't have park tickets

 

[kidsfirsttrip]

Yes! I have a bunch of the 200 MCGC. When I first asked the cashier she wasn't sure she could load Serve. She had these "cards" behind the counter for loading different things, and said we could try the "Vanilla" card. So I just did $200 at first. I gave her the Serve card and she said it worked so then I swiped my $200 GC. It automatically processed as debit. Typed in last four digits of card number as pin. Once we both knew her card would allow it, I asked to load more and she said I could only do $500 total, so I just did another $200. I'm not sure if I had asked for $400 all at once if I could have just swiped twice in one transaction, but I'm assuming so. Maybe someone who has done it before can comment.

Great thank you! Family dollar or dollar general right? Not the Dollar Store? So confusing!!!

 

[SouthFayetteFan]

Wondering if I should go ahead and apply. I haven’t lowered my credit limits this month so not sure how easily I’d be approved. But after spending $1000+ at bjs yesterday and with DD oral surgery non participating provider bill coming up I’m missing out on a spend.

I last applied with chase 2-11 and DH 2-28
Would it be too soon to apply with chase for DH? Rather refer him vs self referral his CIP closed on 2-28

I personally am adhering to a strict 3 month minimum between multiple CIP apps. I think you want to wait another month on your husband. You could go for one in a couple of weeks (and self refer is no big deal at this point with chase). You also don’t have to listen to me but I’ve read too many shutdown stories to risk rushing it with Chase.

 

[DrFacilier]

Just called and upgraded my Disney Visa to Premier for the $100 ($51) credit. Thanks for the inspiration @PolyRob!

 

[amalone1013]

Awww bummer! Thanks for looking! She seems to get scheduled more at the dessert parties and Tomorrowland terrace lunch (it was open briefly during the spring rush). She is actually thankful, because Casey's is def not her fave shift.

I was trying to remember where she worked this past weekend I was trying to look and couldn't remember and wasn't having luck searching the thread. I should have just asked! We did a dessert party this trip.

 

[vanjust14]

Gray thank you! Family dollar or dollar general right? Not the Dollar Store? So confusing!!!

haha, I know. You have it right, Dollar General and Family Dollar.

 

[Killer Fish]

I don’t think I’ve ever been in a salt pool. I know it’s supposed to be a lot easier on your hair, skin, and eyes. I asked the realtor if it’s easier to take care of than chlorine and he said it’s about the same.

I have a salt water pool. Might want to check if the current owner owns the system. When we bought our house apparently they leased the "Salt System" and the company removed the system. We then chose to buy a new system for I think around $1k instead of renting/having system replaced by the old company. We love our salt water pool but don't heat it which means swimming at home is usually only May-Sept.

 

[MrPTato]

Nice! Are you limiting to $500/day or per store? What caused the temporary shutdown?

"Unusual Activity" - I keep it to just $500 per card/day

 

[wanderlust7]

Met the MSR for my AmEx Plat Biz and DH's Bonvoy Biz before we went on the cruise. Both bonuses posted. Now I'm down to 1 MSR. Only about $1000 left to go on my Bonvoy Biz. Feeling fortunate that all bonuses have posted without issue so far in my little run of 8 AmEx cards between me and P2 since January.

Another month to wait to get another CIP for DH. Running out of expenses, so it's just as well, lol.

 

[Killer Fish]

I personally am adhering to a strict 3 month minimum between multiple CIP apps. I think you want to wait another month on your husband. You could go for one in a couple of weeks (and self refer is no big deal at this point with chase). You also don’t have to listen to me but I’ve read too many shutdown stories to risk rushing it with Chase.

About to start CIP round 2 for both players....looks like I opened my first one in Feb 2019. Should I be good to go now or should I wait until June 1st?

 

[PolyRob]

I couldn't remember if it was you...glad you waited!

Its on the very back burner...it says by 6/30 so maybe I could do it toward the end of June and just downgrade next year.

I would definitely try it towards the end of the promo. It said it could take "up to four days" to verify and there is no minimum on the transaction. Just says 1 transaction for the bonus. I want to book an activity at Disney for June so I will do it and have the credit cover it.

Just curious if you considered opening this account with the $250 SUB / $500 MSR? I currently have the no annual fee Disney card and was planning to open a new Premier account hoping to get the SUB. Would this not work?

I did, but was afraid of another Chase app and another personal card. Figured this was the best option without opening a new line.

@PolyRob did this because it was a way to get $51 without opening a new card.

Just called and upgraded my Disney Visa to Premier for the $100 ($51) credit. Thanks for the inspiration @PolyRob!

Nice, congrats! Easy money with minimal effort

 

[PolyRob]

I personally am adhering to a strict 3 month minimum between multiple CIP apps. I think you want to wait another month on your husband. You could go for one in a couple of weeks (and self refer is no big deal at this point with chase). You also don’t have to listen to me but I’ve read too many shutdown stories to risk rushing it with Chase.

I was so scared after successfully getting the DD last August and having it die (and read some had cards cancelled) that I waited even longer for CIP #1 (about 5/6 months). CIP #2 was about 96 days after CIP #1. I figured since my third statement had closed and I got the points I was safe. Fingers crossed

 

[amalone1013]

I am alternating between reading the thread and catching up YNAB... just realized I messed up our Disney stay for using my Arrival Plus credit! I paid the deposit on mine, $203, then we paid $250 on DHs because he has around $230 in credit to use up... leaving a balance of $81! D'oh! oh well.

 

[amalone1013]

No reserved seats??

DH and I are going to try and go this weekend now, I am like no way without reserved seats...

 

[striker1064]

Just called and upgraded my Disney Visa to Premier for the $100 ($51) credit. Thanks for the inspiration @PolyRob!

Nice, congrats! Easy money with minimal effort

Did y'all get a $100 offer? I got a $50 SC offer which I figured wasn't worth bothering with. The upgrade form still shows $50 as well.

 

[usakiwi]

I'm not sure if I had asked for $400 all at once if I could have just swiped twice in one transaction, but I'm assuming so. Maybe someone who has done it before can comment.

I’m VERY new to messing with this, and I have only done loads at WM. But I tell them the total amount, and then after that I tell them the amount for the first one and I do that, and then the amount for the next one automatically comes up. I feel like I have read the limit is four swipes, I have only done 2 at a time.

I’m glad to see that there are so many of us playing with this though! This is a MUCH nicer place to ask for tips and experiences!