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

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(and to simply answer the question - yes you can cancel AA cards via chat. Sometimes you might have to try a couple times though. But make sure to read all of the linked stuff too!)

Just wanted to mention I chatted to close my AAbiz1 yesterday. They wanted me to call and I replied that I had 5 kids running around, which is why I chatted to begin with. They said they understand and closed it for me. So if anyone has an issue, just say that. :goodvibes
 
This thread now moves so fast. I feel like I reply 3 days late. In any case. I just failed on first serve attempt. I just tried a $50 Visa gift card and when I went to Family Dollar. It asked for a phone number and then the clerk asked if it was activated, it was...but then she realized it was a gift card and said you can't use a gift card...blah blah...so I am going to try another location at some point. Just want to get some way to get points for my mortgage payment.

Also I use swagbucks sparingly..basically maybe $50 a month. But all I do is take the daily survey, print(to PDF) coupons daily and then I have a spare phone connected to a spare terminal at work and run videos in the background with varying success sometimes I have to click to next video sometimes it runs automatically. But it only takes a couple minutes a day. Also I use EBATES or Rakuten now. Which I get to order office supplies from work and I earn a bit from that.

But my success is just got approved for my CIP#2 and AmEX Blue Cash Preferred (for groceries).

Sorry it didn’t work for you. I haven’t tried FD but I don’t get asked for a phone number at Walmart.
 
I had a churning fail today. I went to go get money orders with my VGCs from giftcards.com. I swiped my card and it was saying the card wasn’t authorized. I apologize and say I have to call my bank. I drive to store #2 and same thing. Now I’m freaking out thinking I’ll just have to pay for my wedding with these cards in $500 increments. I get home and see the giftcards that I didn’t take to liquidate and the sticker says activate your card before using. I was so used to getting ones from Giftcardmall and the grocery store where they are already activated. Oops.
 
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DH got the BoA cc offer to double rewards. Now to decide if any 3% category is worth 6% back... Why can't it be groceries lol

@speedyfishy wheels are turning... someone on r/churning mentioned they always order the full quarter amount on GCM... theoretically... get 6% back on GCM and go through airline portal(s) for the current bonuses, liquidate through Serve if a trial goes okay... make sense? I know you said you use those for MOs because of the volume you do.
 
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Just wanted to mention I chatted to close my AAbiz1 yesterday. They wanted me to call and I replied that I had 5 kids running around, which is why I chatted to begin with. They said they understand and closed it for me. So if anyone has an issue, just say that. :goodvibes
Someone needs to write, "I made a deal with a Sea Witch and I no longer have a voice and must communicate over chat..." PLEASE!!!
 
Who has dealt with Barclays fraud?

I am used to Chase removing the questionable charges while they investigate, but the charge is still showing on my barclays and there is no way for me to tell what is going on. The lady said last night they were cancelling that account number and sending a new card, so I assume everything is being taken care of, but there is no communication.
 
@snugglebug I think i'm sold to at least try it. Just a $10 DD for the bank bonus! I can do that lol. I could even do me and DH all from the same paycheck! JK, looks like the bonus is over. Will watch to see if it comes back... can still get $10 from Swagbucks.

@magickingdomprincess I don't think you're wrong. The whole point of using the points was no cash - so getting points back and owing cash... defeats the purpose. What a pain!
If you didn't register already, I put a link in the MISC thread of Dischurners. It should get you $25 from what I can tell, looks like exp on that is 8/31. The only info on the page is about the entries for the Tesla so hard to tell.
 
DH got the BoA cc offer to double rewards. Now to decide if any 3% category is worth 6% back... Why can't it be groceries lol

@speedyfishy wheels are turning... someone on r/churning mentioned they always order the full quarter amount on GCM... theoretically... get 6% back on GCM and go through airline portal(s) for the current bonuses, liquidate through Serve if a trial goes okay... make sense? I know you said you use those for MOs because of the volume you do.
That's a nice offer! Was that in an email? I've been using the online shopping category for my 3%.
 
Really unhappy with UR/Chase right now. Please tell me if you think I’m being unreasonable or not. I made a car rental reservation through the UR portal on my CIP account for 31k UR pts, which equaled $382. I noticed when I did the online check in with Alamo it showed the $382 fee, which I thought was kind of strange but wasn’t sure if that was normal or not since this is my first UR car rental. I called Alamo, then UR and after about 40 minutes on the phone with them I was assured it was fine, they don’t pay Alamo until the day of pickup. I used my DH’s Arrival Plus to guarantee the reservation since he was the primary driver and needed the cc needed to match the driver. This was probably a mistake in hindsight.

When we picked up the car, it still showed the dollar amount, but I (stupidly) thought this was still ok since I verified the reservation number matched my UR reservation. Well, guess what. Got home and my DH’s card was charged $382. I called Chase UR, who contacted Alamo, who refused to reverse the charges. Spoke with a supervisor who spoke with someone different at Alamo, who also refused to refund the charges. UR rep offered to reimburse me the 31k UR points, plus 5k “courtesy” points for my time and effort (I’ve been on the phone with them at that point for over an hour, plus the 40 minutes pre-trip). I mentioned this did not seem right as when I go to cash out my UR points to pay the cash fee I shouldn’t have been charged, I’m out $70. She (supervisor) indicated 5k was the most she could offer, that I would need to get with the CIP customer service.

Fast forward to several calls with CIP customer service and the UR rep (same manager), 60 minutes later, and the most the CIP customer service rep will begrudgingly agree to put in a request for is 2,700 pts (so that I can cash out for the full $382). He was very reluctant to even put this request in, and he indicated that this probably won’t be approved. I feel like I’ve totally been screwed over because I now have to pay $382 (which I had reservations for less but wanted to not use any cash), and if I cash out the 31k points, it only equals $310. I can also cash out the 5k for another $50, but after 3 hours on the phone being bounced around, and not doing anything wrong on my end, I feel like I should get the 5k UR as a true courtesy on top of the 7k to cash out to pay the cash fee.

If anyone’s still with me (sorry, this is super long!), do you think I’m wrong? My DH feels like we should just be happy we got the 31k+5k back (which trust me, I’m very grateful to not be out the UR’s and the money both), but I still feel like I’m out $70. It’s especially upsetting since I went to the trouble before we even left to verify the reservation was ok. What do you guys think? I’m just so frustrated right now! :furious:
I think you are in the right to be upset. At a minimum, they should be providing you with the 38,200 URs in return for this issue and they should have gladly done that immediately. That of course does not value your time or frustration. I'm not sure you're going to reach a better resolution - it seems these days that we all are having more and more "terrible customer service" stories (my issue with Universal Tickets feels a lot like this). It's really a shame - I have no advice, but I can say that I totally would feel the way you do about the situation right now.
 
Really unhappy with UR/Chase right now. Please tell me if you think I’m being unreasonable or not. I made a car rental reservation through the UR portal on my CIP account for 31k UR pts, which equaled $382. I noticed when I did the online check in with Alamo it showed the $382 fee, which I thought was kind of strange but wasn’t sure if that was normal or not since this is my first UR car rental. I called Alamo, then UR and after about 40 minutes on the phone with them I was assured it was fine, they don’t pay Alamo until the day of pickup. I used my DH’s Arrival Plus to guarantee the reservation since he was the primary driver and needed the cc needed to match the driver. This was probably a mistake in hindsight.

When we picked up the car, it still showed the dollar amount, but I (stupidly) thought this was still ok since I verified the reservation number matched my UR reservation. Well, guess what. Got home and my DH’s card was charged $382. I called Chase UR, who contacted Alamo, who refused to reverse the charges. Spoke with a supervisor who spoke with someone different at Alamo, who also refused to refund the charges. UR rep offered to reimburse me the 31k UR points, plus 5k “courtesy” points for my time and effort (I’ve been on the phone with them at that point for over an hour, plus the 40 minutes pre-trip). I mentioned this did not seem right as when I go to cash out my UR points to pay the cash fee I shouldn’t have been charged, I’m out $70. She (supervisor) indicated 5k was the most she could offer, that I would need to get with the CIP customer service.

Fast forward to several calls with CIP customer service and the UR rep (same manager), 60 minutes later, and the most the CIP customer service rep will begrudgingly agree to put in a request for is 2,700 pts (so that I can cash out for the full $382). He was very reluctant to even put this request in, and he indicated that this probably won’t be approved. I feel like I’ve totally been screwed over because I now have to pay $382 (which I had reservations for less but wanted to not use any cash), and if I cash out the 31k points, it only equals $310. I can also cash out the 5k for another $50, but after 3 hours on the phone being bounced around, and not doing anything wrong on my end, I feel like I should get the 5k UR as a true courtesy on top of the 7k to cash out to pay the cash fee.

If anyone’s still with me (sorry, this is super long!), do you think I’m wrong? My DH feels like we should just be happy we got the 31k+5k back (which trust me, I’m very grateful to not be out the UR’s and the money both), but I still feel like I’m out $70. It’s especially upsetting since I went to the trouble before we even left to verify the reservation was ok. What do you guys think? I’m just so frustrated right now! :furious:
Keep at them. I don't think you're wrong. We had rented through Alamo (via UR) on our last Orlando trip and they tacked on every surcharge they possibly could even when I declined pre-paying gas. We spent much of the week on the phone with them complaining and when we turned the car in we ended up walking away owing nothing. It was a pain and stress I didn't need that week. I've vowed never to rent through them again no matter the cost savings.
 
I was approved for my CIP2 on 6/19. Is it too soon for me to apply for the CIC?
I personally wouldn't be thinking about a Chase card until 3 months from my last one. I value my future earning potential with them too much to get shutdown. These are two business cards, I wouldn't be putting 2 business cards 6 weeks apart either (again I'd hold fast for myself to 3 months). If somebody pressed me on it I guess I could get on board with 2 full months but I wouldn't do it myself.

You can of course find numerous DPs on reddit of people running a lot faster than that - but the shutdown stories are sad and grim.
 
I have had a lot of failures today due to me being ditzy. Another story, I went to Giant to get groceries with the Happy card deal. I thought I was only going to have $20 worth of groceries so I just planned on getting two Happy Guys, but my little brother is coming to visit this weekend and he wanted a lot of snacks. So anyway I have $40 worth of groceries. I added all the Happy card deals on mine and my SO's app yesterday so I grab two Happy Lady ones to use at Bed Bath and Beyond. I checkout and the Happy Guys come off. But the happy lady ones don't come off. I pay for it because I feel bad for asking to put it back. I get home and check my app and they must have every variety of Happy cards, but not the Happy lady one. I should have confirmed before putting it in my cart.
 
@speedyfishy wheels are turning... someone on r/churning mentioned they always order the full quarter amount on GCM... theoretically... get 6% back on GCM and go through airline portal(s) for the current bonuses, liquidate through Serve if a trial goes okay... make sense? I know you said you use those for MOs because of the volume you do.

Airline portals only have Giftcards.com as an option. I don't have the BOA card but did they say what it is coding as with BOA? If they said GCM you can go through Ebates for 1% which takes care of most of the fees. If you do GC.com make sure you activate them before using LOL. But they should work for serve they are MetaBank just get the Visa kind not MC.
 
I have had a lot of failures today due to me being ditzy. Another story, I went to Giant to get groceries with the Happy card deal. I thought I was only going to have $20 worth of groceries so I just planned on getting two Happy Guys, but my little brother is coming to visit this weekend and he wanted a lot of snacks. So anyway I have $40 worth of groceries. I added all the Happy card deals on mine and my SO's app yesterday so I grab two Happy Lady ones to use at Bed Bath and Beyond. I checkout and the Happy Guys come off. But the happy lady ones don't come off. I pay for it because I feel bad for asking to put it back. I get home and check my app and they must have every variety of Happy cards, but not the Happy lady one. I should have confirmed before putting it in my cart.
I had a ditzy moment last week or so. Went to Safeway on the last day the $7 off certain GCs coupon was good for Hotels.com... I had already used the one on my account. I went through self checkout, knowing an employee would have to ok the GC purchase (but they aren't needed for paying). While waiting I realized I forgot to put my Safeway GC back in my wallet from when I did mine, oh well, will use DHs CIP so at least it's towards MSR. So I ring it up, screen says to wait... well they had one person running self checkout plus customer service which had 5 people in line. And all 3 self check outs needed help from an employee. So while I'm waiting, I realize I can put my phone number in on the card reader, I'd never noticed before! Hey I'll do that - so I put in MY number, not DHs!!! So the poor girl comes by and taps my screen to okay it and I felt bad and didn't want to bother her to change the phone number or cancel so I just got a face value Hotels.com GC :rotfl:
 
I personally wouldn't be thinking about a Chase card until 3 months from my last one. I value my future earning potential with them too much to get shutdown. These are two business cards, I wouldn't be putting 2 business cards 6 weeks apart either (again I'd hold fast for myself to 3 months). If somebody pressed me on it I guess I could get on board with 2 full months but I wouldn't do it myself.

You can of course find numerous DPs on reddit of people running a lot faster than that - but the shutdown stories are sad and grim.
Thanks for the advice. I'd rather just wait to be safe. I'm just so anxious to get started on this Serve stuff and get the 5x at Staples. I guess we'll just have some time in between meeting DH's CIP MSR and me applying for the CIC. So that means I should be able to apply on 9/4? That's so far from now lol
 
Thanks for the advice. I'd rather just wait to be safe. I'm just so anxious to get started on this Serve stuff and get the 5x at Staples. I guess we'll just have some time in between meeting DH's CIP MSR and me applying for the CIC. So that means I should be able to apply on 9/4? That's so far from now lol


Do you want an Amex Biz? BBP is nice with 2xMR
 
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