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

[SBWB48]

I have a confession. I have some hoarding tendencies, so I totally understand holding onto points for future plans. But points are meant to be spent. You can always figure out ways to get more points. But if you think your family will enjoy a trip, make some indelible memories together

I love this answer. I’m not exactly earn and burn but things keep changing and the points might not do what you want them to by the time you get there. Disney is case in point. Anyone hoarding points for Disney got stuck.

I try to plan a couple years out, then have plan A & B. Although lately I have changed directions a number of times, due to lack of availability, denials, and changes in terms. I was planning to focus on AA miles, and CIP. Then AA gave up all their flights from Chicago to China, so their points aren’t quite as important. Plus we like to fly SW as well. Trying to plan for the CP for 2020/2021 made me think, what if they changed CP suddenly and I couldn’t get it, so I’m going for it now, knowing I’ll have 15 months at best. If it’s still there by end of 2020, we’ll go for it again.

I agree. This couldn't have been said any better. Sometimes, it takes a reminder like this for hoarders (I too am one). I'm planning a trip with my family to Vegas in September and with additional family members this time (usually, it's always just DH and I, so easy!) and originally, I contemplated a suite to save some points over two rooms. Then, I sat and thought to myself. This could be the only trip I have left with my entire family going together as a unit in this 'chapter' of our lives since little brother is growing up and everyone is starting to have their own lives. In addition, the nightmare of 4-5 adults being cramped together and one bathroom trying to get ready in the morning

Ultimately, I have a healthy UR balance, so what's the need to keeping saving those URs for 'future' trips that may or may not manifest when I can try to ensure everyone is comfortable 'now'. The points can be replenished, but I can't guarantee I can use them for the same memories down the road. I have to always remind myself, there's a difference between stretching points, but also splurging when splurging is warranted.

On a related note, I've never been to Vegas, so was hoping to get recommendations since we appear to have plenty of recurring visitors? Hotel recommendations? I am deciding between Bellagio and Palazzo, I think. Must dos?

 

[Haley R]

Doesn't DH have an online business account? You can send an SM for the new account number requesting it to be expedited. You can also call at this hour. I expedited my first one by phone at like 2am because I was excited I had finally been approved.

I’ll try SM first and if they don’t respond by morning I’ll call.

 

[smallsy]

Will count against 5/24 though...

Tagging @smallsy.

If you really want Chase you could get the IHG card...it is a MasterCard. Depends if the card itself and IHG points have any value for you though.

Oh it’s not that I want only chase. Chase is the only one who wants me

 

[Haley R]

So this is what I’ve been working on for the past hour+. Nano blocks are hard!

 

[PolyRob]

I’ll try SM first and if they don’t respond by morning I’ll call.

You should be all set! They did mine within a few hours

 

[mmmears]

I agree that points are better spent since they can be devalued at any minute. My issue is that we should be able to book flights and hotels in August for 2020, so basically around 30-40 days from now. If it was a longer lead time I'd have no trouble spending now and trying to save up more. Part of 2020 is booked (cruise) and part will be heavily dependent on where we can find decent flights and hotels on points. If could see a few weeks into the future it would be an easier decision. We've decided to wait just a bit and see what the weather forecast looks like, check in with family, etc. There is only one weekend that would work (and of course this is the first time DH has been told he can't take any days off this month - other jobs have done this but not this employer). This is what the points are for though. Thanks for all the encouragement.

 

[Haley R]

You should be all set! They did mine within a few hours

For some reason when DH gets a new CIP, it shows up automatically in his account, but when I get one I end up making a new Chase account. It's kinda weird

 

[Lain]

On a related note, I've never been to Vegas, so was hoping to get recommendations since we appear to have plenty of recurring visitors? Hotel recommendations? I am deciding between Bellagio and Palazzo, I think. Must dos?

OMG. Cirque shows! My wife’s fav is Ka. I loved The Beatles LOVE! We’ve also seen O, Mystere, Zumanity, Viva Elvis, and Criss Angel Believe (the latter two have ended their run, I believe). Lots of great restaurants. Eiffel Tower Restaurant and request a window seat for views of the Bellagio fountains at night? Name a celebrity chef and they probably have a restaurant in Vegas.

No recommendations on the Strip hotels. My wife is from Hawaii, and they like to stay in Downtown Vegas.

 

[ten6mom]

So this is what I’ve been working on for the past hour+. Nano blocks are hard!

I still have an entire Himeji Castle to build... it was supposed to be a family project but it's hard to get all of us together at the same time!

 

[Haley R]

I still have an entire Himeji Castle to build... it was supposed to be a family project but it's hard to get all of us together at the same time!

We bought the Blastoise Nanoblocks, a Totoro 3D puzzle, and a hermit crab gachapon 3D puzzle. Once I saw the Blastoise was the only one with instructions that's the one I chose to make lol. Dh gets to make the other two.

 

[Albort]

I agree. This couldn't have been said any better. Sometimes, it takes a reminder like this for hoarders (I too am one). I'm planning a trip with my family to Vegas in September and with additional family members this time (usually, it's always just DH and I, so easy!) and originally, I contemplated a suite to save some points over two rooms. Then, I sat and thought to myself. This could be the only trip I have left with my entire family going together as a unit in this 'chapter' of our lives since little brother is growing up and everyone is starting to have their own lives. In addition, the nightmare of 4-5 adults being cramped together and one bathroom trying to get ready in the morning

Ultimately, I have a healthy UR balance, so what's the need to keeping saving those URs for 'future' trips that may or may not manifest when I can try to ensure everyone is comfortable 'now'. The points can be replenished, but I can't guarantee I can use them for the same memories down the road. I have to always remind myself, there's a difference between stretching points, but also splurging when splurging is warranted.

On a related note, I've never been to Vegas, so was hoping to get recommendations since we appear to have plenty of recurring visitors? Hotel recommendations? I am deciding between Bellagio and Palazzo, I think. Must dos?

status matching is a must... having Diamond at caesars properties will help a lot!

 

[wendow]

Just applied for dh CIP#3 using dd19’s support link. Two weeks message

 

[mmmears]

.

 

[wendow]

I asked them to expedite mine and they said they couldn't. Maybe you'll have better luck.

The co-branded cards are really difficult to expedite. It’s due to having to link up with the loyalty program. I’ve yet to apply for one that could be expedited.

 

[SouthFayetteFan]

Guys... Thank goodness for this group! r/churning purge started an hour ago and it's probably going to be an utter wreck this week.

To reiterate what is happening:

• r/churning (our main source for churning news) has instituted a "purge" this week
• The goal of this is to show people what the subreddit would be like without any rules
• r/churning has many well defined rules including daily question and daily discussion threads posted each day to keep information well grouped.
• With these rules turned off, it might become impossible to weed through the piles of crap comments and posts
• This will have NO affect on DISchurners so don't worry about that, this is a completely separate subreddit.

So basically, this won't affect most people here. However, it will be a nuisance to a number of our folks here who read r/churning daily and then bring the important news over here. I'd imagine there's 20 of us or so who will be very frustrated by this. At any rate, it's only one week...

Glad to have this be my primary churning group!!

 

[Haley R]

Guys... Thank goodness for this group! r/churning purge started an hour ago and it's probably going to be an utter wreck this week.

To reiterate what is happening:

• r/churning (our main source for churning news) has instituted a "purge" this week
• The goal of this is to show people what the subreddit would be like without any rules
• r/churning has many well defined rules including daily question and daily discussion threads posted each day to keep information well grouped.
• With these rules turned off, it might become impossible to weed through the piles of crap comments and posts
• This will have NO affect on DISchurners so don't worry about that, this is a completely separate subreddit.

So basically, this won't affect most people here. However, it will be a nuisance to a number of our folks here who read r/churning daily and then bring the important news over here. I'd imagine there's 20 of us or so who will be very frustrated by this. At any rate, it's only one week...

Glad to have this be my primary churning group!!

Please post some fun comments on here from Reddit lol. I don’t get on there so I’d love to see what some of the “crap” is

 

[SouthFayetteFan]

Well - for starters, a somewhat experienced member of the community posted this question as a troll:

https://www.reddit.com/r/churning/comments/c7o73o

Username = Captain___Obvious ... Username checks out I guess??

 

[Lain]

https://www.reddit.com/r/churning/comments/c7o4fs

 

[miztressuz]

Ok so the problem with the r/churning Purge is you can't totally tell when you're being trolled. You feel bad if it's someone's legit noobie question and you leave them to the wolves, but on the other hand you don't want to look like another lamb to slaughter by falling for it.

 

[Haley R]

So dh’s AC in his car went out last week (the day after they dropped his car off from being shipped). He spent all of today trying to fix it on his own and paid a decent amount on the parts to do it. He said he doesn’t think he can fix it any further and it isn’t working. Now we’re at the point where we can’t decide if we should put anymore money into this car or start working on getting a new one. I really would rather not deal with a new car after just buying a house. We’ve been spending quite a bit on things for the house and services to keep up the house (pool crew, lawn care, pest treatments). But at the same time I don’t want to put money into his car when it clearly sucks and might not continue to work. Sigh....#firstworldproblems