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

[hsmamato2]

What about the Twilight Zone? We wanted to watch that, and this would be a good way.

I'm just dying b/c I held out on stupid cbs all access and the new star trek (i'm sick of paying for tv) but I'm going to cave with the new Picard series.....

 

[Haley R]

They tend to run these promos frequently. The last one was the first week in July, but they also had a Mastercard gift card deal in-between the VGC deals. You could always try it with a card you are meeting MSR on to see how it works in your area. The Ebates in Store cash back and hopefully Staples deal on Dosh would give you 7% back. Plus, the rewards for whatever card you use to try it out.

We’re currently working on dh’s CIP3 MSR and are getting close to being done. I may try it out just to see how it works. I need a serve card though right? Will I get it in time?

 

[speedyfishy]

We’re currently working on dh’s CIP3 MSR and are getting close to being done. I may try it out just to see how it works. I need a serve card though right? Will I get it in time?

you could buy the gift card and then load it to serve whenever you get the card. Takes probably about a week. Make sure you register for the Green version. Thats the one that has free reloads and no monthly fee if your balance is $0 when your statement closes.

 

[Haley R]

you could buy the gift card and then load it to serve whenever you get the card. Takes probably about a week. Make sure you register for the Green version. Thats the one that has free reloads and no monthly fee if your balance is $0 when your statement closes.

I was just about to ask which one to get lol. Thanks! So I just need to get the green card and that’s it?

 

[miztressuz]

For those following my pathetic CIP app saga, I got my CL lowered for the card that the statement closes today. With a $5,000 CIP CL added to my current CLs I’d be at <49%. Living right on the edge!

I know no one knows for sure, but how long would you recommend I wait before applying now?

If you want a shot at an instant approval then you may want to wait a day or two for the data to report up to the CR's. If the statement closes today, the soonest your CR would show it is tomorrow, but could be over the weekend. Here's the timeline for my off-cycle update from June. Basically my payment date would be the same as your statement close date.

Timeline for others thinking of doing this:
6/3 (Mon) I had lowered my limits on 2 cards to drop me to 40% of HHI
6/4 (Tue) Payment that brought both cards down to $0 balance posted
6/6 This is the date Experian is showing the CL decrease alert posting
6/7 (Fri) Received notice from Experian that my credit limit decreased

Since instant approval is more the exception than the rule - although our little group gets a LOT of them - could probably try as soon as tomorrow. Chase shows the new CL instantly but I've read it might take a little bit to filter through all the systems in place so to be safe probably want to give it a bit. Would hate for the system that processes automatic approvals to not see it yet after you did the work, especially if it hasn't reported yet to the CR they just pulled.

If you could stand it, probably wait until Monday. If CJ is the only way you'd know, and it only updates weekly, does it update every Monday? I don't remember the day it says the info refreshes.

 

[Haley R]

@speedyfishy wait there’s a monthly fee? Am I reading that right?

 

[speedyfishy]

I was just about to ask which one to get lol. Thanks! So I just need to get the green card and that’s it?

Yup, then when it arrives in the mail activate it and set up your online account. Take it and the giftcard to Walmart and ask to load the card with $200. Say you will be paying with a debit card. Swipe the VGC enter the pin and you should get an email and receipt saying it was loaded. Go home login to your serve account and withdraw the money to your main bank to pay the credit card. Then one day when you get the hang of it you can load 20,000 a month and make $1,000 in cashback lol.

 

[jhoannam]

It is possible to churn Barclay I’m not even sure you need to wait a year. But anything crazy can happen with them, hence BarCray

Plastiq is awesome. I’ve had 2 issues ( neither there fault) and they are super helpful

Or you could get the yummy volcano dessert one night at rainforest!!!

No way what are your dates. Not sure much is available when we go in October
Dosh is gone for now but Ebates in store worked for me !

Tell me more about using the LSC... I still haven't bought it. We leave on the 10th and DH's birthday is this month. How can we make the most out of the 2 $25 credits?

Is the credit added to the app or do they mail out something?

It can be used at the gift shop?

 

[SouthFayetteFan]

.

 

[speedyfishy]

@speedyfishy wait there’s a monthly fee? Am I reading that right?

Yes, but it’s waived if your balance is $0 when the statement closes. So just move the money out ASAP.

 

[Haley R]

Yup, then when it arrives in the mail activate it and set up your online account. Take it and the giftcard to Walmart and ask to load the card with $200. Say you will be paying with a debit card. Swipe the VGC enter the pin and you should get an email and receipt saying it was loaded. Go home login to your serve account and withdraw the money to your main bank to pay the credit card. Then one day when you get the hang of it you can load 20,000 a month and make $1,000 in cashback lol.

Thanks!

 

[Haley R]

Yes, but it’s waived if your balance is $0 when the statement closes. So just move the money out ASAP.

Ah okay I was worried for a second. I most likely would move the money right after I get home from the store. Do they have an app or do you have to do it on the computer?

 

[speedyfishy]

Ah okay I was worried for a second. I most likely would move the money right after I get home from the store. Do they have an app or do you have to do it on the computer?

They have an app but I haven’t used it.

 

[GlamMistress]

The fee on my Arrival+ hit overnight. Thanks to Mint for the email about it this morning!

I didn’t want to pay this again, so I called and asked for any offers on my account. I was told that Barclay’s doesn’t do fee waivers anymore (!) and they suggest I just downgrade to the no fee version. It’s still chip and pin, so fine.
2x travel and dining and 1x on all other purchases, not bad for no annual fee. Plus 1,000 bonus points for the first purchase with the new card. NO FTF. Plus I need a MasterCard. So worth keeping the line I decided.

Next month, my Barclays Aviator (and DH) and my Amex plat are all going away. Cutting annual fees left and right!

 

[amalone1013]

I was just about to ask which one to get lol. Thanks! So I just need to get the green card and that’s it?

I will be your partner in new Serve card attempting. I just signed up!

 

[Haley R]

They have an app but I haven’t used it.

I should be receiving my green card (lol) in 7-10 business days! I’m excited to try this. I go to Walmart every week for groceries anyway. I downloaded the app because I think I’d rather use that than the website

 

[speedyfishy]

I will be your partner in new Serve card attempting. I just signed up!

Yayyy!

 

[amalone1013]

Just as an off topic update on DHs jobs... that big customer now has a space in Cleveland (DH is excited to be close to Cedar Point) and they just sent him an email that they are considering Atlanta.

Just to recap, they already have 3 jobs going in Reno, 2 in KC, 2 in Chicago, and 2 here in Denver area...

 

[PolyRob]

Yup, then when it arrives in the mail activate it and set up your online account. Take it and the giftcard to Walmart and ask to load the card with $200. Say you will be paying with a debit card. Swipe the VGC enter the pin and you should get an email and receipt saying it was loaded. Go home login to your serve account and withdraw the money to your main bank to pay the credit card. Then one day when you get the hang of it you can load 20,000 a month and make $1,000 in cashback lol.

The thought of $12,000 annually for swiping cards at WalMart is really triggering major FOMO

 

[wendow]

Well, today is the day. It is officially over. DD20 should be boarding the tragical depress any minute now. I am taking recommendations for a good therapist. She was crying all night and I am going to have PTSD from losing my CM discounts. I also have become an addict. Going to WDW every 6-8 weeks has made me want to go even more. Before, once a year seemed fine, now 3 months between trips seems like eternity. How did this happen so fast?!?!?!?
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Crying with you I think the only cure is that she apply for the summer alumni program. Or a whole new program in a year or so