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

[Haley R]

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You guys are going crazy with this Christmas in July stuff lol

 

[trenty]

DH's Chase United Card is coming up on one year. Not sure we want to churn it, but when would he be eligible to apply and get the SUB again?

 

[Haley R]

I want to be the choochoo with square wheels!!

I call being the squirt gun!!!

 

[SouthFayetteFan]

I’m at 815k. And that’s after I did (3) 7 night Flight and hotel packages last year. Unfortunately, that’s as high as it’ll ever be again because even staying at a Marriott for cash (work), I usually put it on a CSR as I value 3 UR > 6 Bonvoy. But it’s kind of a wash, which is ridiculous for a hotel card at the chain the hotel is. Whereas Hyatt @ 4x or Hilton Aspire at 16x is the clear choice while staying at those. RIP SPG cards

Bonvoy points are one of the few currencies I would actually consider not burning, only because they are so much harder to get than other currencies and I don’t believe it will be devalued further for a while. Then again... Marriott seems to have no limit when it comes to screwing their members, so maybe just burn them as quick as you can.

I look at them as my fallback stash and not aspirational. If we want to do a quick weekend to Cedar Point - boom 25k points gets me a night. We did our Hershey trip, used 60k for that. We might do a trip to Busch Gardens and Williamsburg next year, they'll work for that. Also, if a wedding or kids tournament comes up that requires a night, boom there we go! Next year on our way to Myrtle Beach we'll find something in the 15k range for a quick stopover.

I feel like the sweet spot for Marriott points is finding those 15k-25k places along the way. And I like having them there to count on for that kind of stuff. Since they have no real cash out value I prefer to "fallback" on those vs. using URs which I know have a tangible cash value for me.

 

[SouthFayetteFan]

I call being the squirt gun!!!

I can totally see that for some reason... (based on your internet personality).

 

[miztressuz]

Just to verify yes, for both DW and I last year I pulled the money out of our BoA accounts as soon as the bonus posted and closed them once the transactions cleared. There are no terms about length of time or anything like that.

BoA mails a letter on account opening and that letter will have the information about the bonus. If you don't get the letter or the bonus isn't there, call them.

Now that you say that about the letter, that sounds vaguely familiar. I checked my bank account file and I'm not seeing it but it might be in the pile of "stuff to file" I've been slacking on. I opened BoA and Santander within days of each other so I couldn't be sure which sent me confirmation of the bonus, but one (or both) did. Good point!

Thank you! I am going to apply this afternoon. I already screenshotted the offer details. I will be thorough and do the same with the application and promo code!

I was honestly shocked how fast my DD changed for Chase. I did it online Monday, payroll ran Tuesday, and the DD cleared Friday! Hoping this one is just as fast!

Same for hubby. If it's just splitting off a portion of the check that seems to need no time at all. He's submitted small stuff like that when I'd have thought it was "late" and surprise! All processed for Friday. If it's a bigger change like sending all or majority of the check to a newly added account, that's been hit or miss if it needs a pay cycle to process. When he setup Citizens, I think he sent the full pay check since we had to make a single 2k DD and something about that needed a pay cycle to process. No problem since we only needed to do it once, but we try to plan assuming one lost pay cycle just in case.

 

[SouthFayetteFan]

Now that you say that about the letter, that sounds vaguely familiar. I checked my bank account file and I'm not seeing it but it might be in the pile of "stuff to file" I've been slacking on. I opened BoA and Santander within days of each other so I couldn't be sure which sent me confirmation of the bonus, but one (or both) did. Good point!


Same for hubby. If it's just splitting off a portion of the check that seems to need no time at all. He's submitted small stuff like that when I'd have thought it was "late" and surprise! All processed for Friday. If it's a bigger change like sending all or majority of the check to a newly added account, that's been hit or miss if it needs a pay cycle to process. When he setup Citizens, I think he sent the full pay check since we had to make a single 2k DD and something about that needed a pay cycle to process. No problem since we only needed to do it once, but we try to plan assuming one lost pay cycle just in case.

Hey...are you ignoring my PM

 

[Haley R]

I can totally see that for some reason... (based on your internet personality).

He squirts jelly. Nough said

 

[mamathompson]

Ya- it was around 85% male. And another big difference between here and there; only 21% have kids.

Ethnicities were interesting: Whites and Asians especially were over represented at 67.7% and 18.3%, respectfully.

Here is the raw data if you care:

https://public.tableau.com/profile/duff.california#!/vizhome/Churning2019SurveyResults/Age

Funny, I was going to ask about the stats on churners with kids.

 

[MarBee]

I always use CSP since it covers the insurance - (decline insurance from Enterprise - or wherever you rent from)
(I also always use autoslashDOTcom for rental cars.)

CSP has primary coverage. You don't need to buy insurance.

CSP. You get 2xUR and primary car rental insurance.

Thank you!
Just double checking. If we use my CSP but DH is driving (we would get the rental so we can both drive) he/it/we will still be covered?

 

[darnheather]

Just catching up and didn’t see a response to this (if there was I missed it). It might not be what you meant but you won’t be able to pay for a mortgage with the CSR through Plastiq. If you plan on using Plastiq you need to use a MasterCard or a Discover (not Visa).

Will have to get my spouse to check that out. I'll be disappointed by that.

 

[MickeyMouseCD524]

You're experience is horrifying and yet it's the only one I have ever heard remotely like this. I'm sticking to my recommendation Chase is very friendly to "businesses" but you definitely need a new bank. Have you hit them up on Twitter? I would make it public and go with "@ChaseSupport I had a payment stopped on a check and when I called Chase the rep called me "stupid" & their manager then told me I "don't have enough money in the account for Chase to care about my business" it was utterly humiliating". Although it may not even be worth the effort of that considering there is no way you're sticking with them!

Sounds like you have legit business, have you looked into Wells Fargo? They don't currently have it running but sometimes they do a $500 bonus which is especially juicy if you have a pre-approval pop up for their $500 for $5k spend on their business credit card during the checking application. Also, their minimum balance is only $500 vs Chase at $1500. WF is iffy for "businesses" but if you have a legit biz call up your local branch, tell them you want to open a biz checking account and ask what documents you need to bring before you go.

Sorry I'm just seeing this. I did call them out on Twitter and went into a branch over it but there's very little they were willing or able to do to remedy the situation. Which I was disheartened by since I have family that actually works for Chase, and even name dropping them couldn't get me anywhere. I really think it's just the service line for business checking and savings accounts. My personal accounts they're great with and same with my credit cards, but for some reason every time I call that line I get an attitude or another headache out of.

I'll definitely look into WF though that sounds like a great idea if they're running the promotion. I do have a "legit business", we don't make a lot, but we do have an LLC.

 

[mefordis]

CIP now and then refer yourself for another in 3 months if that’s still a thing. Fastest way I see to get you URs. But make sure to drop those Chase CLs.

Still getting the 30 day message when I call - hasn’t been 24 hours since applying though. This is getting ahead of myself but how do you refer yourself for another CIP? I missed a lot of threads explaining this I’m sure!

 

[MrPTato]

You guys are going crazy with this Christmas in July stuff lol

I thought about setting up a tree for the month but time flew. My favorite holiday for sure!

 

[trenty]

Thank you!
Just double checking. If we use my CSP but DH is driving (we would get the rental so we can both drive) he/it/we will still be covered?

I book through autoslash - put DH down as primary driver and use my CSP at the counter to pay. But I believe most car rental agencies allow you to add a spouse at no extra charge.

 

[mefordis]

I book through autoslash - put DH down as primary driver and use my CSP at the counter to pay. But I believe most car rental agencies allow you to add a spouse at no extra charge.

I like to go through Costco for this reason. Free second driver and they always have competitive rates.

 

[ten6mom]

I like to go through Costco for this reason. Free second driver and they always have competitive rates.

I cannot remember the last time I rented a car, but we are renting one for our inventory search to San Diego this weekend and I ended up going through Costco! I could get a (very slightly) larger car plus a free second driver for about the same cost as a smaller car. I guess a second driver usually costs more? My husband usually drives but it is nice to have options!

 

[LuckyMamaInDE]

Thanks for those stats @Andysol --I'm an outlier in about 3/4 of the categories. Over 50 females, unite

 

[miztressuz]

Hey...are you ignoring my PM

Ah no... didn't forget... I'm just recovering from the fangirl swoon shock and weighing the gravity of the honor and duty … sure... totally

 

[PolyRob]

Same for hubby. If it's just splitting off a portion of the check that seems to need no time at all. He's submitted small stuff like that when I'd have thought it was "late" and surprise! All processed for Friday. If it's a bigger change like sending all or majority of the check to a newly added account, that's been hit or miss if it needs a pay cycle to process. When he setup Citizens, I think he sent the full pay check since we had to make a single 2k DD and something about that needed a pay cycle to process. No problem since we only needed to do it once, but we try to plan assuming one lost pay cycle just in case.

Hmm good point! I looked back and only did $100 DD for Chase since it didn't specify an amount. Best to assume the worst and needing more time for it to clear than to be stuck in an awkward situation. Thank you for the heads up!