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

[SouthFayetteFan]

The government secret has been released for Quarter 3...

Chase Freedom Q3 Bonus Categories: Gas Stations and Streaming Services.

Courtesy of OMAAT and TPG. (and I found it from LumpyLump76 on reddit)​

 

[striker1064]

I can now review a 3rd Hyatt in DC. Just going through them all. Lol. This one is Hyatt Place/National Mall. It is nice and decent location. This one is south of the mall, couple blocks from the Air and Space museum. Free breakfast. Tagging along on another DH work trip so this one is free to us. Will explore by myself for a little bit before meeting a friend.

We stayed at that one when we were visiting to tour apartments a couple years ago. Great spot and a nice hotel.

Ok, last DVC question. SO and I would like to do our trips in September and December mostly December. The best use year would be summerish? March?

You'll get a variety of answers on this. I think September, but you for sure want your UY to encompass all your potential trips before the banking deadline. For a Sept UY, your banking deadline would be April 30th. That means if you book a Sept or Dec trip and are using current UY points, but your plans change and you need to cancel, you have plenty of time to bank your points to the next UY if necessary.

A March UY would be bad. Your banking deadline is October 31. Let's say you have a December trip booked, but something happens in November and you have to cancel your trip. Now your points are back in their current UY, but you're past your banking deadline. So now you need to use those points before they expire February 28 (which is going to be virtually impossible because early year is always popular).

DVC Resale Market has a good explanation.

 

[orangecuse]

@speedyfishy so annoying! As soon as I added DH to my BOA checking and savings accounts (that I had already had for four or five years on my own) I ceased to exist to them. Like seriously? When I closed the accounts recently all of the communication came addressed solely to him. Major eye roll.

I can see in my USPS digest an Amex 100k point offer in my name. COME ON AMEX NOT RIGHT NOW! Seriously though anyone know how long a mailer like that lasts or will it say inside? We have 10k in MSR right now so can’t take on another until those finish in August/Sept.

 

[LuckyMamaInDE]

I was approved for my very first CIP overnight I used dh's link at 9:30 or so, received notification of a TU pull, and then went to bed with my kindle--I told myself I would start calling this am if it didn't show up in my account

Second biz card after the SW one--higher limit this time! (I tutor sporadically)

 

[LuckyMamaInDE]

The government secret has been released for Quarter 3...

Chase Freedom Q3 Bonus Categories: Gas Stations and Streaming Services.

Courtesy of OMAAT and TPG. (and I found it from LumpyLump76 on reddit)​

Ugh gas stations are so hard for us. Dh has a new hybrid w 50+ mpg and I fill up my van once a month since I can walk just about everywhere in our town.

Has anyone paid Netflix far ahead?

 

[amalone1013]

DP- maybe this is already known, but it seems that the charges erased by the $300 Marriott credit still count towards MSR. According to my spreadsheet, I'm still $500 short of my Brilliant MSR, but my calc excludes the annual fee, the $300 I got back on a Marriott stay and a couple of small returns. My Bonbon Brilliant bonus just posted.

Which means I can charge more of this week's Marriott stays to my shiny new Biz Plat (no need to wait for the new card because I upgraded the Biz Green!)

I always make sure to spend the actual MSR after any refunds or credits, just in case. I think AMEX just counts spend for when the bonus posts, but they have clawed back bonuses after if the net spend after credits, returns, fees, is under the MSR amount.

 

[FloridaNative8]

Thank you so much to @Lain and @SouthFayetteFan for keeping the News Thread updated on Reddit - I'd be lost without it! June is a crazy month as it's end of quarter for us, and I'm taking 2 6-week courses for school, so my Dis time has been lacking

On the CC front, "DH" applied for CIP #2 last night (#1 was approved on 3/13, so almost exactly 3 months) via my referral, got the 2 week message, and status line said approved this morning! It's not showing up online just yet, but as soon as it does I'll (sorry, "he'll") SM to get it expedited... we received our larger medical bill so 1/2 of the MSR will be knocked out with that!

And I know we're the only crazy ones that see unexpected bills as opportunities... our 2015 Ford Explorer has that awful bubbling at the edge of the hood and the paint started to chip in an area. Unfortunately the warranty on that has expired, and the corrosion warranty from Ford is worded so that it's impossible to get it covered. However, they are "graciously" covering over 80% of the cost to replace the hood, so we will owe $500. Just another chip in the MSR!

With this new CIP and 105K URs we'll be at 470K URs, since August 2018. We're gonna drink from that CIPpy cup for as long as we can!!! (I love emojis!)

 

[Lain]

Oh no!! DH's AF for his Hilton Biz just posted so before cancelling it, I referred him from my Biz Plat to the no-fee Hilton card. We need the Hilton points for Hawaii next year. BUT he got the pop-up! Now I don't know what to do about the Hilton Biz. We don't want it anymore, but also don't want to make it more difficult to make the pop-up go away. Is there anything he can downgrade it to?

No downgrade options for the Hilton Biz. Does DH have another Amex card he can increase spend on? Maybe take the Hilton Biz to a supermarket to buy a $500 or more VGC/MCGC along with this week's groceries?

 

[palhockeymomof2]

Ok, last DVC question. SO and I would like to do our trips in September and December mostly December. The best use year would be summerish? March?

A September use year would work well for you with the times you travel now......
but keep in mind that over the years many of us change the times of year we travel as kids arrive and grow up....when we purchased in 2001...our vacations were the end of August...now they are usually September-March
I have an April use year...so far we have not had any issues using all of our points

 

[miztressuz]

The government secret has been released for Quarter 3...

Chase Freedom Q3 Bonus Categories: Gas Stations and Streaming Services.

Courtesy of OMAAT and TPG. (and I found it from LumpyLump76 on reddit)​

Ugh, hubby is going to kill me. He's back to having trouble remembering which card has the Gas category so for his once a month fill up I got it on my CF instead of my Discover for the last 2 months. So I told him that it's unlikely to be a category again so just go back to whatever one of his cards that has Gas he wants the points for after this month.
Although plus side, it's already the CF he keeps putting it on so maybe I just let it go this month and tell him to keep using it. What's one more charge at 1x?

I'll have to see how much Netflix credit I have left on the account. I have the DVD plan but it was still billed as Netflix rather than DVD the last time it hit a card so I think it'll credit. Bring on the 40 UR points per month

 

[speedyfishy]

Awesome. My wife decided to keep her last name too.

Awesome! What did you do for your DD? I think we are hyphenating. With mine first lol

 

[kidsfirsttrip]

Oh no!! DH's AF for his Hilton Biz just posted so before cancelling it, I referred him from my Biz Plat to the no-fee Hilton card. We need the Hilton points for Hawaii next year. BUT he got the pop-up! Now I don't know what to do about the Hilton Biz. We don't want it anymore, but also don't want to make it more difficult to make the pop-up go away. Is there anything he can downgrade it to?

No downgrade for Hilton biz. I’m in the same problem with my DH. All these plans and can’t get rid of the damn pop up!!!!!

 

[palhockeymomof2]

I was approved for my very first CIP overnight I used dh's link at 9:30 or so, received notification of a TU pull, and then went to bed with my kindle--I told myself I would start calling this am if it didn't show up in my account

Second biz card after the SW one--higher limit this time! (I tutor sporadically)

Congrats

 

[schmass]

No downgrade options for the Hilton Biz. Does DH have another Amex card he can increase spend on? Maybe take the Hilton Biz to a supermarket to buy a $500 or more VGC/MCGC along with this week's groceries?

Yes, I'm thinking that's what we'll have to do.

Although with all of the Amex AFs coming up between DH and I, I'm wondering if we cut our losses with them for a while and go for the Hyatt cards instead and stay at the Hyatt in Maui instead of the Grand Wailea.

 

[havaneselover]

The government secret has been released for Quarter 3...

Chase Freedom Q3 Bonus Categories: Gas Stations and Streaming Services.

Courtesy of OMAAT and TPG. (and I found it from LumpyLump76 on reddit)​

Ugh! That's it? So lame.

 

[Alexle2007]

Ugh, hubby is going to kill me. He's back to having trouble remembering which card has the Gas category so for his once a month fill up I got it on my CF instead of my Discover for the last 2 months. So I told him that it's unlikely to be a category again so just go back to whatever one of his cards that has Gas he wants the points for after this month.
Although plus side, it's already the CF he keeps putting it on so maybe I just let it go this month and tell him to keep using it. What's one more charge at 1x?

I'll have to see how much Netflix credit I have left on the account. I have the DVD plan but it was still billed as Netflix rather than DVD the last time it hit a card so I think it'll credit. Bring on the 40 UR points per month

I was wondering the same about Netflix since DH has at least 2 DVD accounts with them, one in his name and one in mine.

 

[havaneselover]

Amex Platinum is arriving today! And uber eats finally delivers to my neighborhood.

 

[miztressuz]

I was approved for my very first CIP overnight I used dh's link at 9:30 or so, received notification of a TU pull, and then went to bed with my kindle--I told myself I would start calling this am if it didn't show up in my account

Second biz card after the SW one--higher limit this time! (I tutor sporadically)

Thank you so much to @Lain and @SouthFayetteFan for keeping the News Thread updated on Reddit - I'd be lost without it! June is a crazy month as it's end of quarter for us, and I'm taking 2 6-week courses for school, so my Dis time has been lacking

On the CC front, "DH" applied for CIP #2 last night (#1 was approved on 3/13, so almost exactly 3 months) via my referral, got the 2 week message, and status line said approved this morning! It's not showing up online just yet, but as soon as it does I'll (sorry, "he'll") SM to get it expedited... we received our larger medical bill so 1/2 of the MSR will be knocked out with that!

And I know we're the only crazy ones that see unexpected bills as opportunities... our 2015 Ford Explorer has that awful bubbling at the edge of the hood and the paint started to chip in an area. Unfortunately the warranty on that has expired, and the corrosion warranty from Ford is worded so that it's impossible to get it covered. However, they are "graciously" covering over 80% of the cost to replace the hood, so we will owe $500. Just another chip in the MSR!

With this new CIP and 105K URs we'll be at 470K URs, since August 2018. We're gonna drink from that CIPpy cup for as long as we can!!! (I love emojis!)

Yay!! Congrats on the new CIP's.

 

[amalone1013]

ILs also have the Marriott offer. I think we are looking at around $650 between resort fees and dining plans at Swolphin... could split payments between our cards and ILs and save $40x3!

 

[elgerber]

Can I apply for a CIP when I got the Arrival + last week? I am 3/24 with Chase, with last Chase card in January.

Did I miss any responses to this? I know Chase biz has rules for applying, but I can't remember exactly what they are.

I have no upgrade offers for Hiltons or my BGR or Green. I have had the Hilton Ascend in the past, so I fear they wouldn't give me points anyway?