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

[amalone1013]

I won't even get into the ridiculous call I had with them to set up DH's account a few days ago. What a nightmare!

On another note, I got my Paypal money back!!!!

YAYYYYY!!!!!

 

[amalone1013]

Going to do VERY late night chat this time around to ask for matches. My denial letter was one asking for a copy of the offer I got... I do have a 60k personal mailer at home, think I could send that?

And after 20mins of nonsense, I'm in DHs account, and I figured his payment would be due any day because I app'd for his card a day after mine and mine is due on the 6th or something... nope, his $2k charge didn't make the 'first' statement so it's not gonna be due until June 9th. I'm tempted to let the money sit in my account for a month.

 

[*WDW*Groupie*]

DP: I received a letter in the mail today from Citi saying my 20,000 AA match request has been approved and I would see the points in my account in the next 2 billing cycles (I don't see the 40,000 points yet). I'm kicking myself for not boarding the train earlier and counting the days until my next biz application!


Received my Bonvoy Brilliant by courier yesterday in a fancy box. Also came with a tracking tile (I've had a similar one before -- since I don't lose my keys it didn't serve any purpose for me). Trying to pull the trigger on insurance our upcoming Japan trip but just can't seem to do it. Thinking about just getting health insurance for the days we are on the trip, which will cost much less. Neither dd nor I have any health issues that would prevent us from going, except for an accident (hoping we can remain accident-free for 25 days).

 

[Lain]

We already have two CF that I’ve not even touched so maybe I can try this. Thanks for the idea!

Remember there's a $10 off 2x$50 and $15 off 2x$100 MCGCs deal at Safeway right now through 5/14/19. They should be in the shiny silver and gold packaging. Both are slight moneymakers -- you're buying $300 for $296.80, or at 98.9%. I've liquidated these with just a 1% fee on Plastiq, meaning you're essentially paying no fee to use these MCGCs towards bills, while earning 5x UR (or in my case 4x MR) on the purchase.

Have your DH and DD18 sign up for accounts too, if you haven't already.

 

[amalone1013]

Not that I want to jump the gun too much here... but I am hesitantly excited for 3x on CIP again. I had charged $303 in 1x categories on my CIP so far, before my 1k Plastiq payment yesterday. It's currently showing that I am earning 3303 pts on my next statement, though my Plastiq charge is still pending...

 

[*WDW*Groupie*]

Not that I want to jump the gun too much here... but I am hesitantly excited for 3x on CIP again. I had charged $303 in 1x categories on my CIP so far, before my 1k Plastiq payment yesterday. It's currently showing that I am earning 3303 pts on my next statement, though my Plastiq charge is still pending...

This would be AMAZING!

 

[palhockeymomof2]

Ah that’s quite the gap!! I remember being the young mom! Sigh!!!


Ok so here’s my plan. My CSR AF hit in Sept I think so I wish I got the ball rolling on this early. I have x2 CFs and a CSR. DH has x1 CD and x1 CFU.

1. Once I have August trip figured out PC my CSR to a CF. Max out grocery category.
2. PC my CF#1 (grocery already maxed out) to CSR. Use travel credit. DH is old AU on this card. Get him global entry with his AU card and GE for myself or one of the kids. Once AF hits on this card PC it back to a CF in time for next quarters fun.
3. PC DHs CFU to a CF. Our 3xUR ran out and I just don’t value the 1.5UR vs 2.5MR on BBP (if Schwab cashout happens which is in the plan)
3. When I need CSR again (which I will) I REALLY value the travel redemption have used it for hotels, flights, excursions PC CF #2 to CSR. Travel credit, get GE for the rest of us (DH old AU on this card too). Wait for AF - rinse/repeat

This is interesting...I just have a CSR opened 8/18 and a CFU..opened 3/19...so can’t PC the CFU until 3/19....
If I’m following correctly...I book any trips by August...use the travel credit and PC the CSR to a CF

My DHs CSP is a year old 10/19..I could then PC it to a CSR...earning another TC and global entry....
Then next year PC the CFU to a CSR.....use the credit etc...do you pay 1 years AF or PC for a refund ?

 

[palhockeymomof2]

I won't even get into the ridiculous call I had with them to set up DH's account a few days ago. What a nightmare!

On another note, I got my Paypal money back!!!!

Excellent news..getting your money back

 

[mmmears]

I'm not caught up yet today, but I wanted to thank the person who posted the link to upgrade the Disney Visa - DH got the $100 offer and decided to go for it.

 

[kidsfirsttrip]

We already have two CF that I’ve not even touched so maybe I can try this. Thanks for the idea!

We’ve got 3 soon to be 4. There are always tricky ways to max out the 5x

 

[CyndiLouWho]

Yeah we already decided we will be going with chase. We are getting our house loan with them too. They offered us the best interest rate. I feel like my whole life revolves around them now lol.

Did you get 75k URs for your mortgage? They keep sending me that offer. Our current mortgage is with Chase, but only because they bought it.

 

[kidsfirsttrip]

This is interesting...I just have a CSR opened 8/18 and a CFU..opened 3/19...so can’t PC the CFU until 3/19....
If I’m following correctly...I book any trips by August...use the travel credit and PC the CSR to a CF

My DHs CSP is a year old 10/19..I could then PC it to a CSR...earning another TC and global entry....
Then next year PC the CFU to a CSR.....use the credit etc...do you pay 1 years AF or PC for a refund ?

As far as I know you’d get the refund after PCing. I’ll get a prorated one since mines been since Sept. this little gem was discussed a while back!

 

[mmmears]

@GlamMistress I'm so glad to read that your DH's test results were good.

The book/cancel trick is when you book a room with a points/cash rate and then immediately cancel it. Your refund on the cash portion is given to you in points, so you've effectively "bought" points. I've done it on IHG but never on Choice. @Alexle2007 posted a while back that it worked fairly recently. You do need points in your account to do this obviously, so you'd have to transfer MR's or purchase some via Daily Getaways.

Daily Getaways is a yearly promotion where various travel related items are put on sale. Choice is on there for May 15th, but I'm not sure how that price compares to using the book/cancel trick. https://dailygetaways.ustravel.org/Home/Index/2019-05-15

From what I've read, if you want to purchase via Daily Getaways, you have to be online exactly when the sale begins. The best deals go very quickly.

Thank you so much for explaining. I talked it all over with my DH and we agreed that we are going to continue hoarding our MRs at this point since we need to purchase airline tickets in August and have no idea how many points we need. We get a much better return on those tickets than we do when we book hotel rooms. Plus I think he's tired of booking hotels in Norway. We have a few reservations at the moment.

I notice in my AA miles that it says they expire next fall. Do you just have to book something before they expire? I’m looking into booking a trip to WDW for Fall 2020 eventually.

You can also just purchase something online while going through their portal. Easy way to get a few points so the old ones don't expire.

 

[wendow]

Remember there's a $10 off 2x$50 and $15 off 2x$100 MCGCs deal at Safeway right now through 5/14/19. They should be in the shiny silver and gold packaging. Both are slight moneymakers -- you're buying $300 for $296.80, or at 98.9%. I've liquidated these with just a 1% fee on Plastiq, meaning you're essentially paying no fee to use these MCGCs towards bills, while earning 5x UR (or in my case 4x MR) on the purchase.

Have your DH and DD18 sign up for accounts too, if you haven't already.

Great deal! I was thinking about doing that one but couldn't remember when it ended. I'm entering the vortex of big dance performance weekend so nothing will get accomplished this weekend. Glad I have til the 14th!

For those of you who have paid your mortgage with these, and especially Provident, how do they process all the small payments? I remember some chatter about needing to call maybe??

 

[kidsfirsttrip]

Great deal! I was thinking about doing that one but couldn't remember when it ended. I'm entering the vortex of big dance performance weekend so nothing will get accomplished this weekend. Glad I have til the 14th!

For those of you who have paid your mortgage with these, and especially Provident, how do they process all the small payments? I remember some chatter about needing to call maybe??

I have Wells Fargo. The hold it in “unapplied funds until they receive the full payment

 

[Lain]

I feel like Amex is missing a big opportunity to offer #WePark benefits on some of their lesser biz cards.

 

[elgerber]

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[Lain]

Great deal! I was thinking about doing that one but couldn't remember when it ended. I'm entering the vortex of big dance performance weekend so nothing will get accomplished this weekend. Glad I have til the 14th!

Just a warning that if you put it off til the end of the promo, you might find your store's been picked clean. Sometimes I'm not able to get to this deal right away, and I like to space my purchases so as to not raise any flags with the RATs, so when I'm in the last two days of these promos I may have to visit more out of the way stores to find the cards.

Also, save the offer in your Safeway app ASAP. I've seen reports of the deal disappearing even when the promo is still live.

 

[vanjust14]

Great deal! I was thinking about doing that one but couldn't remember when it ended. I'm entering the vortex of big dance performance weekend so nothing will get accomplished this weekend. Glad I have til the 14th!

For those of you who have paid your mortgage with these, and especially Provident, how do they process all the small payments? I remember some chatter about needing to call maybe??

I did this recently. The problem I had was that I wrote "do not apply to principal" in the memo. All of the payments arrived before the 1st, so they said since I technically had no payment due yet and I told them they couldn't apply to principal, they had no choice but to mail back the payments! I was able to get it corrected with a phone call. She said next time to allow them to apply to principal and call in later to have it adjusted OR have the payments arrive after the first.

 

[CyndiLouWho]

Yes, that's the plan. I figure one phone call is worth $51. I did try and put DH's info in and it said he wasn't eligible for the offer, so I guess you do have to be targeted.

I didn’t even call, just applied