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

[Andysol]

Are you going to watch the Boston Pops on the Esplanade and the fireworks?

That’s the plan. 1st Time. Pops on the 3rd and fireworks closer to the hotel. Not wanting to deal with the 4th chaos in the Esplanade.

 

[CyndiLouWho]

I was denied SW Biz Card on Saturday, so I applied for DH. DH approved for SW Performance Biz! Will go for CP when we finish MSR on this.

DH now has 3 Chase biz cards open. I have none The only reason I can figure for my denial, even after talking to recon, is the AU on my mom’s card. The rep mentioned it again at the end, after saying I was denied. The account is closed, I truthfully was not responsible for the account and I filed with all 3 credit bureaus to have the account removed, though one did reply “noted on account” and resolved, not removed. Otherwise, I used same business, years in business, HHI and business income for both apps. DH has credit limits with Chase (pers & biz) almost 50% of HHI, I had less than 25%.

 

[palhockeymomof2]

I was denied SW Biz Card on Saturday, so I applied for DH. DH approved for SW Performance Biz! Will go for CP when we finish MSR on this.

DH now has 3 Chase biz cards open. I have none The only reason I can figure for my denial, even after talking to recon, is the AU on my mom’s card. The rep mentioned it again at the end, after saying I was denied. The account is closed, I truthfully was not responsible for the account and I filed with all 3 credit bureaus to have the account removed, though one did reply “noted on account” and resolved, not removed. Otherwise, I used same business, years in business, HHI and business income for both apps. DH has credit limits with Chase (pers & biz) almost 50% of HHI, I had less than 25%.

When I took my DH off my card as an AU....I then sent chase a SM from his account with the last 4 numbers of the card asking them to remove the card from the credit bureaus.....it took about 10 days but the card does not show up on his credit report anymore....maybe try sending a SM from your chase log in asking them to do the same with the card you were AU on

 

[Alexle2007]

I was denied SW Biz Card on Saturday, so I applied for DH. DH approved for SW Performance Biz! Will go for CP when we finish MSR on this.

DH now has 3 Chase biz cards open. I have none The only reason I can figure for my denial, even after talking to recon, is the AU on my mom’s card. The rep mentioned it again at the end, after saying I was denied. The account is closed, I truthfully was not responsible for the account and I filed with all 3 credit bureaus to have the account removed, though one did reply “noted on account” and resolved, not removed. Otherwise, I used same business, years in business, HHI and business income for both apps. DH has credit limits with Chase (pers & biz) almost 50% of HHI, I had less than 25%.

When I was removing mine, I went into each of the 3 accounts and verified that the accounts were removed. If not, I would go into the dispute and ask again for it to be removed from your credit report.

 

[CyndiLouWho]

When I took my DH off my card as an AU....I then sent chase a SM from his account with the last 4 numbers of the card asking them to remove the card from the credit bureaus.....it took about 10 days but the card does not show up on his credit report anymore....maybe try sending a SM from your chase log in asking them to do the same with the card you were AU on

When I was removing mine, I went into each of the 3 accounts and verified that the accounts were removed. If not, I would go into the dispute and ask again for it to be removed from your credit report.

It was my mom’s Amex and was opened 7/2017, so will drop off this month anyway. I won’t be applying for any cards for the next couple months, so I should be ok going forward. By October I’ll be 1/24.

 

[palhockeymomof2]

It was my mom’s Amex and was opened 7/2017, so will drop off this month anyway. I won’t be applying for any cards for the next couple months, so I should be ok going forward. By October I’ll be 1/24.

That’s great....then you can have your DH refer you for the CIP...and you will have your first of many business cards

 

[afan]

Oh that’s interesting. I haven’t gotten anything yet, but I just checked YNAB and it looks like I was approved one year ago today.



My BIL just got one from there!!

It came a decent amount before the af hit. Was the red aviator before I pcd. I think it went over the changes too. But I've always gotten a letter before the af hit that card. In the mail though I am paperless.

 

[mmmears]

Holy cow that's a lot of poor communication. I do hope your BIL is getting better. I need to get serious about getting a shingles vaccine -- I just turned 50 and had the chicken pox so I think I am the prime demographic to get it. Your BIL seem like he would be kind of young to be getting shingles.

There's a long waitlist in some areas to get the new Shingrex vaccine. And insurance usually pays at 50.

There are non affluent areas? Who knew?

Definitely. It's all relative of course. In fact I think it's easy to feel "poor" around here when you are surrounded by outrageous wealth. I don't think of where I live as particularly affluent, even though the closest Lowe's will let us buy GCs.

 

[amcc]

Current list of AA Business CC Offers:

There are 4 Citi AA Business offers that I know of right now:

• Citi 40k + $200 stmt credit / $2k MSR
• Citi 65k / $4k MSR
• Citi 70k / $4k MSR
• Citi 60k / $3k MSR

Barclays also has one:

• Barclays Up to 75k / $1k MSR (this also requires an employee card and a purchase for the last 10k miles AND you do pay the $95 AF)

I can no longer find a Citi link with the $250 Stmt Credit (RIP the add'l $50)... I also can't find a Citi 75k / $5k link right now. Am I missing any links that anybody is aware of?

FYI: 75k / $5k is still available via Citi Mailer if you can get you hands on one of those.

Also worth noting that there are still VERY mixed DPs on using a public offer for Citi Biz # 2 and beyond. You might get your points...you might not...

Just figured I'd share this info here since I was updating some information while answering a PM.

The 75k offer is very recently gone? I used a link from DOC last Wed or Th.

 

[amcc]

Question for all the travelers here...we will be starting an addition to our house and are decluttering before we pack up. I have a ton of travel books from the 90s - Rick Steve’s, Frommers, Fodors, Michelin. My head says to toss them but my heart is saying “they brought you so much joy”!!!! Does anyone keep old travel books? I think I’m definitely keeping green Michelins because their write ups are so good.

 

[CyndiLouWho]

That’s great....then you can have your DH refer you for the CIP...and you will have your first of many business cards

Except DH closed his CIP. Lol. That’s ok, after we finish SW, DH can (hopefully) get another CIP then refer me.

 

[palhockeymomof2]

Except DH closed his CIP. Lol. That’s ok, after we finish SW, DH can (hopefully) get another CIP then refer me.

Good idea...you want those extra 20k URs

 

[GlamMistress]

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?

Been to Vegas a lot. Sorry this is late - busy during the day. My favorite strip hotel is Bellagio - we also really like Aria. MGM Grand is okay but I had a water ordeal in December - the water was NEVER hot when I needed to shower, etc. It was insane. We were there for a week with cold water!

We will never go back to Ballys. I also have no desire to ever stay at Treasure Island again. Rooms in Vegas turn over like crazy so that means a ton of wear and tear. I'd spend money/points to stay somewhere nicer.

Go look at the flowers inside Bellagio - amazing! Also, there's a hidden restaurant inside MGM Grand called Greek Sneak. It is AMAZING.

 

[chattadisser]

Woah! This is a PHENOMENAL idea!!! Hit full MSR with refundable flight or hotel. See if bonus posts. If it does, then meet the MSR and cancel the other purchase!!

Hmmm, so could you do the pay a HELOC with plastiq thing on this?

 

[needsomesun]

We have a cruise booked with Royal Caribbean in Feb 2020. RCCL facebook pages started blowing up with a glitch showing the deluxe drink package was $18/day (unlimited alcohol and other drinks), which is a great price. It's usually around $50+/day. I jumped on and paid for it for my cruise. Then there were a bunch of people who called into RCCL because it wasn't showing on their cruises and were told that it was a glitch and they could not get it for that price. Why, people, why? Why call?! Nothing kills a good deal faster. Hopefully they'll still honor the price it was booked at.

 

[Albort]

We have a cruise booked with Royal Caribbean in Feb 2020. RCCL facebook pages started blowing up with a glitch showing the deluxe drink package was $18/day (unlimited alcohol and other drinks), which is a great price. It's usually around $50+/day. I jumped on and paid for it for my cruise. Then there were a bunch of people who called into RCCL because it wasn't showing on their cruises and were told that it was a glitch and they could not get it for that price. Why, people, why? Why call?! Nothing kills a good deal faster. Hopefully they'll still honor the price it was booked at.

here ya go!

 

[kandb]

Concourse Steakhouse coming back...I would love that.

OMG, I remember going to Concourse Steakhouse around 12 years ago, it was right next to Chef Mickeys. It was nice and not that crazy busy and the food was good. We had free dining around that time that gave you an appetizer, entrée, dessert and beverage and included the tax and tip. The good old days!!!

 

[SouthFayetteFan]

The 75k offer is very recently gone? I used a link from DOC last Wed or Th.

Yeah. I think it went away maybe 6/30?? Unless somebody can find a working one.

Hmmm, so could you do the pay a HELOC with plastiq thing on this?

Yeah - you’d meet the MSR real quick via refundable flights. Then see if your pts post on stmt 1. Then during stmt 2 you could do the HELOC Plastiq and once those charges post then cancel the refundable flights. Lol. Somewhat complex but costs you nothing to make sure your points post before paying the Plastiq fees.

 

[Alexle2007]

Except DH closed his CIP. Lol. That’s ok, after we finish SW, DH can (hopefully) get another CIP then refer me.

Does he have a CIU? I PC’d my CIU to a CIP so I could refer DH since the 20k outweighed the $95 AF.

 

[needsomesun]

here ya go!

I did see that, thanks! Even if they don't honor it, it's not a big deal to me. Just mostly aggravated at all the people calling in.

But to tie into credit cards, I transferred some URs to SW, anxiously awaiting the next SW release for airfare next week. We're going on school vacation week here, which means crazy high flights usually.