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

[disfanforlife]

That's what the rest of us are doing.

You may want to eventually send an SM to drop the credit line on #1 to something like $1k, if you haven't already, to keep your CLs nice and low so denial for "sufficient credit extended" isn't a concern.

Note that if you plan to close #1 in a year, the low $1k CL doesn't matter because you'll just close it out. However, if you decide to product change your CIP to a CIC/CIU, then you need to have at least a (I think) $5k CL on the CIP to PC to a CIC/CIU. You can move credit limits from other biz cards to #1 to get to $5k if you do want to PC to a CIC/CIU. Just something to think about.

I was curious about PC. Why do that instead of opening a new CIC/CIU and get a SUB?

 

[wendow]

I'm thinking of cashing out some MRs for an HD gift card. I can buy a decent garbage disposal and pay for installation for < $300. Much better than the $675 I was quoted yesterday ETA--yay! They are 20% off.

What is the trick for getting the HD cards to show on sale? Others have posted before about them being on sale. We're remodeling our master bathroom and I could definitely make good use but mine aren't showing on sale. They never have.

 

[Lain]

 

[disfanforlife]

As long as the CIPpy cup flows, CIP SUB is more lucrative.

Ah ok, so the PC is just to get the benefit of having a CIC or CIU to use to organic spend if you don’t already have one?

 

[havaneselover]

What is the trick for getting the HD cards to show on sale? Others have posted before about them being on sale. We're remodeling our master bathroom and I could definitely make good use but mine aren't showing on sale. They never have.

I don't know. I just logged in and it showed "offer" on HD and itunes gift cards. I clicked on it and they were all 20% off. I also had Gap and Williams Sonoma 20% off.

Now I just need to ask my ex to fix the kid's leaky tub spout to save me $325

 

[Lain]

Ah ok, so the PC is just to get the benefit of having a CIC or CIU to use to organic spend if you don’t already have one?

Or MS spend

 

[Haley R]

I feel like I'm way behind, too. I don't do either one.

I guess I just feel like I don’t need to do either of them? We all do things differently here, though, which is what I like about our group

 

[Haley R]

Do you all think it's safe to SM Chase and ask for CIP #2 to be expedited? My first one was opened two months ago.

We did for our CIP2 and CIP3

 

[Hoosier John]

I am feeling particularly dumb today.
Edited. Sorry...

Don't feel dumb!!! It takes a bit to get used to the lingo You're good!

Don't feel bad. For the longest time I thought the r-word was reddit

I saw this and thought it related to some of our germaphobe and food delivery conversations

https://www.npr.org/2019/07/30/746600105/1-in-4-food-delivery-drivers-admit-to-eating-your-food

Something is up. I ordered four items yesterday from Uber eats and I got two of them. Uber refunded me for the whole order. But this happens all the time

Another Hooters DP. Hooters uses sealing bags for their delivery orders (I hear )

I don't think the study version has the 5% rotating categories. I believe it is 2% on gas and restaurants and 1% everything else. They also give a $20 bonus for good grades (once a year and you have to request it.)

You can get either version as a student card
https://www.discover.com/credit-cards/student/
Both include the good grades statement credit. It's nice that they gave a choice.

I wonder if the 5% rolling version would be better saved for when your student has more disposable income. Discover gives double (10%) during the first year of a new card.

 

[kmc8826]

Lost my quotes.

@PolyRob and @Albort I agree with you on the security breach issues. My husband qualifies for the Experian breach but I do not. Despite the fact I have way more cards then he does. I am sure the fact that he had his identity stolen a couple months before the breach and I was on their site entering his information to place the fraud alert had nothing to do with his identity now being further compromised. The vital information is out there, but at this point I think just keeping on top of it myself without giving MORE places his information is for the better. If they have to write me a check for less than a dollar so be it.

@PolyRob I ordered magic bands today too! My oldest loves Dory and once that popped up plus the Toy Story 4 one and then Lion King the time to pounce had arrived! I got the snack one. My middle did the TS4 one despite the fact we pretty much hated that movie. (We will live in denial that it is just a Toy Story band and not movie specific). DH got gray. He won’t even do blue or red...whatever.

On the MS serve thing I feel about it the same way probably people who don’t read this thread feel about credit cards. Like it is too much work, borderline questionable, uncertain, and anxiety provoking to the maximum. It is all good though if you all want to discuss it...makes it easier to catch up since I just skip over all those discussions.

 

[Haley R]

Lost my quotes.

@PolyRob and @Albort I agree with you on the security breach issues. My husband qualifies for the Experian breach but I do not. Despite the fact I have way more cards then he does. I am sure the fact that he had his identity stolen a couple months before the breach and I was on their site entering his information to place the fraud alert had nothing to do with his identity now being further compromised. The vital information is out there, but at this point I think just keeping on top of it myself without giving MORE places his information is for the better. If they have to write me a check for less than a dollar so be it.

@PolyRob I ordered magic bands today too! My oldest loves Dory and once that popped up plus the Toy Story 4 one and then Lion King the time to pounce had arrived! I got the snack one. My middle did the TS4 one despite the fact we pretty much hated that movie. (We will live in denial that it is just a Toy Story band and not movie specific). DH got gray. He won’t even do blue or red...whatever.

On the MS serve thing I feel about it the same way probably people who don’t read this thread feel about credit cards. Like it is too much work, borderline questionable, uncertain, and anxiety provoking to the maximum. It is all good though if you all want to discuss it...makes it easier to catch up since I just skip over all those discussions.

I’m kind of the same as you. I skip most of the MS stuff because I’m not really interested in doing that.

 

[PolyRob]

Lost my quotes.

@PolyRob and @Albort I agree with you on the security breach issues. My husband qualifies for the Experian breach but I do not. Despite the fact I have way more cards then he does. I am sure the fact that he had his identity stolen a couple months before the breach and I was on their site entering his information to place the fraud alert had nothing to do with his identity now being further compromised. The vital information is out there, but at this point I think just keeping on top of it myself without giving MORE places his information is for the better. If they have to write me a check for less than a dollar so be it.

@PolyRob I ordered magic bands today too! My oldest loves Dory and once that popped up plus the Toy Story 4 one and then Lion King the time to pounce had arrived! I got the snack one. My middle did the TS4 one despite the fact we pretty much hated that movie. (We will live in denial that it is just a Toy Story band and not movie specific). DH got gray. He won’t even do blue or red...whatever.

On the MS serve thing I feel about it the same way probably people who don’t read this thread feel about credit cards. Like it is too much work, borderline questionable, uncertain, and anxiety provoking to the maximum. It is all good though if you all want to discuss it...makes it easier to catch up since I just skip over all those discussions.

I think I have to pick a monitoring service and/or come up with a good plan and start freezing my credit. Nothing bad has come up, but I am paranoid it will!

Congrats on the MBs, those are all really nice! It really threw me off about a day or two ago Disney started shuffling the free and paid MBs around. Not just free on top! I have so many resort reservations linked that I am tempted to get another set Funny DH likes gray. I am weird and observe people with gray Mbs in the park. I try to figure out if they truly like gray, or if they were lazy and forgot to customize or booked very last minute. It is honestly the only free color band I do not have in my possession lol

 

[Haley R]

I had my library interview today. I thought it went VERY well but I don’t think I’ll be taking the job. The hours wouldn’t be great. Basically I would always be working when Dh is home from work. She also told me I couldn’t take vacation days during the first 6-9 months there. My parents are coming for a week in August, we were planning to do a cruise in November, and we will definitely take at least a week around Christmas. I guess subbing is a lot more flexible so I’ll probably just stick with that

 

[afan]

I am weird and observe people with gray Mbs in the park. I try to figure out if they truly like gray, or if they were lazy and forgot to customize or booked very last minute. It is honestly the only free color band I do not have in my possession lol

Or they lost their band and got a new one at the fd. I do the same as you though. It almost hurt that my BFF wanted a grey band the last trip. Though she may have changed it to pink in the end.

I had my library interview today. I thought it went VERY well but I don’t think I’ll be taking the job. The hours wouldn’t be great. Basically I would always be working when Dh is home from work. She also told me I couldn’t take vacation days during the first 6-9 months there. My parents are coming for a week in August, we were planning to do a cruise in November, and we will definitely take at least a week around Christmas. I guess subbing is a lot more flexible so I’ll probably just stick with that

Our libraries have weird hours too which is why I've never applied. It's a rotating schedule and for some it also rotates between locations which explains why I never see the same people at the library even if it's around the same time each day.

 

[Haley R]

Or they lost their band and got a new one at the fd. I do the same as you though. It almost hurt that my BFF wanted a grey band the last trip. Though she may have changed it to pink in the end.



Our libraries have weird hours too which is why I've never applied. It's a rotating schedule and for some it also rotates between locations which explains why I never see the same people at the library even if it's around the same time each day.

I would stay at that one location, but she mentioned they are short staffed and the current staff works every weekend. She also mentioned staying until 8:15 pm on Tuesdays and Thursday which just wouldn't work for me.

 

[mamathompson]

I think I have to pick a monitoring service and/or come up with a good plan and start freezing my credit. Nothing bad has come up, but I am paranoid it will!

Congrats on the MBs, those are all really nice! It really threw me off about a day or two ago Disney started shuffling the free and paid MBs around. Not just free on top! I have so many resort reservations linked that I am tempted to get another set Funny DH likes gray. I am weird and observe people with gray Mbs in the park. I try to figure out if they truly like gray, or if they were lazy and forgot to customize or booked very last minute. It is honestly the only free color band I do not have in my possession lol

It has been a nightmare trying to get DH and I magic bands for our trip this month. At this point we will just save our money and reuse our "plain" ones probably. But one of my plain ones is gray. I actually really like gray. It could be my favorite color

 

[speedyfishy]

I would stay at that one location, but she mentioned they are short staffed and the current staff works every weekend. She also mentioned staying until 8:15 pm on Tuesdays and Thursday which just wouldn't work for me.

When you make money MSing you can do it whenever you want. lol

 

[bernina]

Good news-United does do a free stopover but bad news-you have to book the trip all together so you'd have to wait a bit longer for the stop over and flight back.

Say you're wanting to fly Friday, June 5th from DTW to BCN (layover in EWR), that's 70k x 3; then BCN to LHR on June 13th-that's 0 miles, home to DTW from LHR on June 16th that would be 66x3= 408,000 plus $683.79 in fees.

It would definitely be cheaper if you positioned in EWR -270,000 miles and $666.99 in fees (LHR kills you on fees). If you wanted to avoid fees I'd recommend asking your friends to meet you somewhere in Europe lol.

If you flew out of ORD and didn't mind flying TAP Portugal, that would be the cheapest (miles wise) at 180,000 miles and $709 for ORD-BCN, BCN-LHR, LHR-ORD.

Anyway, hope this gives you some ideas!

It's kind of a wash (to me) whether it's worth it to do the free stop over and risk having the flight I really want when they open. Everyone is different-I know there will be lots of flights on certain routes so I'd rather get to Europe and back the way I want and then fiddle with intra Europe later but everyone is different.

Are you cruising with DCL or another line?

Do you know where you're staying in BCN?

Thank you, thank you @tink1970!!!

I tend to agree, locking in a 30k one way to BCN versus maybe sneaking in a free leg inside Europe sounds like a better option.

It’s not too terrible for us to get a flight to Chicago (also just a 4 hour drive that we’ve done many times). I need to price out Windsor and other Ontario airports as well. For some reason flying out of Canada is always so much cheaper (that would likely be a cash booking via URs). We’re only 30 min from the border.

We’re doing a 7 night med on RCCL Allure. It will be dry docked earlier (I think april) so should be exciting. We cruised on the sister ship Oasis and loved it.

Nothing booked for Barcelona and definitely open to recommendations. Last time we were there we used SPG points (RIP SPG, best points ever ) to stay at the Le Meridien on Las Ramblas and loved it (the best cafe across the street for breakfast, lunch and dinner and good prices too). Post cruise we did 2 nights on the beach at an AC Marriott close to the airport (loved walking along the beach, so much to see and a gorgeous walking path that went on as far as you could see).

 

[Lain]

REMINDER: If you have an Amex charge card (e.g., Platinum, Gold, Green, and their business versions), be sure to check occasionally if you're eligible to enroll in Pay Over Time for an easy 10,000 MR points. Note that as of the end of last year, Amex began including Pay Over Time/Extended Payment as a standard "benefit" on many of their charge cards, including the personal Gold and Business Gold. If your card is already enrolled in Pay Over Time, you will need to chat with Amex to unenroll from the benefit in order to eventually qualify for these Pay Over Time offers.

DoC keeps a running list of links to check if you're eligible. Most of the links have been to Pay Over Time offers for the business charge cards, but the newest link looks like it's for personal charge cards:
https://www.doctorofcredit.com/targ...ards-points-for-enrolling-in-pay-over-time-2/

 

[Haley R]

When you make money MSing you can do it whenever you want. lol

Haha I know we just aren't wanting to do that right now. I'm thinking I'll be getting a CIC next so I might start looking into doing Serve when there are no fees on VGCS. We have a Walmart right next to our house that I don't mind trying at. The Dollar General I would rather not go to again. It was in a sketchy area and kind of far away.