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

[WVMomof3]

No, it just says "to set your PIN for PIN debit purchases (no ATM or cash access) visit www.mcgift.giftcardmall.com or call toll free..."
It's issued by MetaBank if that makes any difference.

My $200 OD card says the same thing. I haven't used it yet so not sure what to do.

 

[KPK02090]

I am thinking about dipping my toes in the serve category. I have a FD/DT near my house. Do I order the green card?

That was my first step.

My $200 OD card says the same thing. I haven't used it yet so not sure what to do.

I'm going to try and load it this afternoon, I'll let you know what happens.

 

[kidsfirsttrip]

So if I were going to go for the biz plat, best to wait til December to triple dip?

I think the biz plat offer has been around for a while so that’s prob fine. What card do you have the upgrade on? Green or gold? When is the AF due? I did the biz plat right before June and got the extra dell credit but that didn’t make or break me. I’d prob go for the biz plat now if your looking for a MSR then upgrade closer to December - that MSR is 10k/5 months. If your going to cancel cards I’d prob want to secure my own biz plat first in case you upset RAT and then can’t get it.
One way that’s been helping with MSR is I buy SB from DHs account. The referral wipes out the cost and then if SB doesn’t want to give me enough to hit my goal no biggie but it chips away at it for now!!!

 

[Ngwira]

Quebec City is gorgeous. Rainy, but we’re having a great time! Reminds me of Europe.

 

[wendow]

I think the biz plat offer has been around for a while so that’s prob fine. What card do you have the upgrade on? Green or gold? When is the AF due? I did the biz plat right before June and got the extra dell credit but that didn’t make or break me. I’d prob go for the biz plat now if your looking for a MSR then upgrade closer to December - that MSR is 10k/5 months. If your going to cancel cards I’d prob want to secure my own biz plat first in case you upset RAT and then can’t get it.
One way that’s been helping with MSR is I buy SB from DHs account. The referral wipes out the cost and then if SB doesn’t want to give me enough to hit my goal no biggie but it chips away at it for now!!!

I have the upgrade offer on my biz green and AF is due in a few days. I don't even know what I'd do with the Dell credit (I'd be asking y'all for ideas lol) but I'd like the extra airlines credit. I'm looking for a MSR cause college tuition is due in a couple weeks and I've got nowhere meaningful to put it

I was buying SB's but I stopped after they took away the sale price. I didn't look too much into the break even buying on Dh's account since no MSR to worry about right now.

 

[disneymagicgirl]

OOOOOMMMMMMMGGGGGOOOOSSSHHHHH!!!!!!!
My magic band order finally worked!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

[kidsfirsttrip]

I have the upgrade offer on my biz green and AF is due in a few days. I don't even know what I'd do with the Dell credit (I'd be asking y'all for ideas lol) but I'd like the extra airlines credit. I'm looking for a MSR cause college tuition is due in a couple weeks and I've got nowhere meaningful to put it

I was buying SB's but I stopped after they took away the sale price. I didn't look too much into the break even buying on Dh's account since no MSR to worry about right now.

Then I’d call in for AMEX offer now use that for tuition, then pay the AF on the green it will be prorated and then upgrade for the triple dip later in. I talked to Daphne at AMEX - number is in @Lain’s dischurner post.
For Dell we did a small tv but I’m thinking a Nintendo switch for the kids for Xmas. They also have Xbox gcs and they can be resold

 

[gottalovepluto]

That's great.

I'm trying to get an error corrected - when i booked our award travel trip to Europe via United, the agent messed up the last letter of my kid's middle name. Literally one letter wrong. I called immediately and asked United to fix it, they vaguely said they would email the other carriers. Hasn't been fixed. I emailed the partner airlines, they said United has to fix it. I tried to email United rewards and they said they couldn't help, I would need to call reservations and there was no way to deal with it via email. So dopey, but I really don't want to be traveling overseas with a kid whose ticket doesn't match the passport/global entry info exactly. Fortunately we have ages before this trip happens, but this is a good reminder I need to bug them again...

Have you tried their Twitter team yet? Long shot but it's pretty easy to try.

 

[kidsfirsttrip]

@Andysol - Hyatt Ziva Cancun question. It will cost an extra 30K URs total for 4 nights in a swim up king vs oceanfront. It’s a couple trip - 3 couples total I think they got regular oceanfront rooms. Worth it for the swim up room?

 

[gottalovepluto]

So I got my unify tickets after all! Still, if you're doing the deal and you did it last year do not use the same email. I got lucky, 2 of us who didn't get the emails got Unify to resend them but one person on DoC was told straight up no because they got tickets last year On the list of things to do later today is help the rest of my fam apply for it!

 

[WVMomof3]

Quebec City is gorgeous. Rainy, but we’re having a great time! Reminds me of Europe.

My brother just went on the same trip! Montreal to Quebec City. Seeing a lot of the same pictures. It looks very pretty. When he was there a few weeks ago it looked so crowded. They get to fly for free, his GF (seems weird to use that term with 50 yr olds) is a retired Air stewardess. Sounds like a great perk, but their trips are often very stressful trying to get standby. Especially flying with 4 (2 kids). They thought they were going to have to go 2 at a time, but finally got a flight for all 4. They didn't even have accommodations booked the first 2 nights because they can not be sure of their flight day and sometimes destination. When they flew to Germany last year they just aimed to get to the country, any city would do. lol I don't think I could handle that, but maybe I would learn to live with it for free.

 

[disneymagicgirl]

If anyone is interested in my block room rates, I can send you a link. Movies is $108, POFQ is $197 and Beach is $404. I have availability November 25th- December 6th. Availability isn't always at those resorts, but I can try and add availability if you are interested. You can cancel without penalty up until five days before checkin. The rooms get released to the public November 3rd.

Can you send me the link? I think right after Thanksgiving may work. Flights look good. Only prob is DD20 can't come, I don't think. What is going on btwn 11/29 and 12/4 at wdw that I should know about? Is that the pop Warner time?

 

[DisneyMandC]

Just got my Informed Delivery and both me and DH have jury questionnaires in the mail!! So weird that we would both get them at the same time.

 

[1st*toright]

Have you tried their Twitter team yet? Long shot but it's pretty easy to try.

That would involve actually creating a twitter account... I've resisted so far, but maybe this will drive me to it.

 

[afan]

Just got my Informed Delivery and both me and DH have jury questionnaires in the mail!! So weird that we would both get them at the same time.

Guessing your job keeps you from getting/having to serve right?

 

[Judique]

Quebec City is gorgeous. Rainy, but we’re having a great time! Reminds me of Europe.

Did you stay at Chateau Frontenac? Take the elevator down to Old Quebec?

 

[Lain]

I have the upgrade offer on my biz green and AF is due in a few days. I don't even know what I'd do with the Dell credit (I'd be asking y'all for ideas lol) but I'd like the extra airlines credit. I'm looking for a MSR cause college tuition is due in a couple weeks and I've got nowhere meaningful to put it

I was buying SB's but I stopped after they took away the sale price. I didn't look too much into the break even buying on Dh's account since no MSR to worry about right now.

Good news. Amex works for tuition via Plastiq!

If tuition is >$5,000, the Biz Plat earns 1.5x on single transactions >$5k.

The conundrum is, do you take the offer to upgrade the Biz Green to a Biz Plat for "only" 50k MR on $10k spend, but have 5 months to meet MSR; and lock yourself out of getting 100k MR on a new Biz Plat by calling in?

Or do you call in and open a new Biz Plat for 100k MR with a $10k MSR that has to be completed in 3 months? (Hopefully no pop ups over the phone.)

If the latter, what are you going to do with the Biz Green?

You could close it, since you'll have just opened up a new Biz Plat.

You could keep it open and pay the AF, and hope that the 50k MR upgrade offer to a Biz Plat is still available on that card in late November/December to triple dip the airline fee credit ("$600" value) and get the June-Dec 2019, Jan-June 2020, July-Dec 2020, and Jan-June 2021 Dell credits ("$400" value).

But what I think happens with the AFs on the upgraded card (and someone please check me on this), is the Biz Green's $95 AF is refunded to you pro rata, then you are charged a prorated AF on the Biz Plat's $595 AF for the remainder of your Biz Green cardmember year; then you are charged a full $595 upon the upgraded card's original anniversary, but you can't cancel or downgrade the upgraded Biz Plat at that point until one year after you accepted the upgrade or risk a clawback. So yeah... fees.

As for the Dell credit, wait until Ebates pays out 12%, 14% or 15%. Try to stack it with the Amex Offer for 10% back at Dell, and maybe even the 1 additional MR point at Dell. Dell sells all sorts of electronics, including headphones, cameras, lenses, video game consoles (Playstation, Nintendo Switch, Xbox), Xbox gift cards that you can load into your Microsoft account and spend at the Microsoft Store. You can use up to 3 credit cards per transaction. So if you happen to have 2 or 3 Biz Plats, you could use the credits on all of them on the same order. Or if you have your Dell Amex Offers scattered across different cards, stack them. Happy Guy GCs also have Dell as a select merchant, and you could probably enter it as one of the 3 credit card payments.

Hope this helps.

ETA: I know your family flies Southwest. As you know the airline credit still works on <$100 tickets, and there are ways to apply that value towards more expensive tickets you'll actually use. If you choose Southwest as your selected airline, the Biz Plat rebates 35% of MR points used towards flights on your selected airline, which works out to a 1.53 cpp redemption. That's a feature not available on the personal Plats.

 

[trstno1]

I have the upgrade offer on my biz green and AF is due in a few days. I don't even know what I'd do with the Dell credit (I'd be asking y'all for ideas lol) but I'd like the extra airlines credit. I'm looking for a MSR cause college tuition is due in a couple weeks and I've got nowhere meaningful to put it

I was buying SB's but I stopped after they took away the sale price. I didn't look too much into the break even buying on Dh's account since no MSR to worry about right now.

I like buying camera equipment at Dell, but buying and selling Xbox gift cards is a decent fallback if you don't have a use for the Dell credit. For the last few years, TopCashback has offered 20% back at Dell for Black Friday and for President's Day. Other times of the year they have gone as high as 15% back. I've also gotten the 10% Dell AmEx offer on my Platinums several times. You cannot sell Xbox gift cards on Raise - I think the easiest option is GameFlip.com for at about 75-80% reimbursement. So if all goes well, you spend $100 on an Xbox gift card triggering the $100 credit, maybe get $10 back from an AmEx offer, $20 back from TopCashBack, and $75-80 when you sell the card. You can come out about $100-110 ahead.

 

[DisneyMandC]

Guessing your job keeps you from getting/having to serve right?

Yes, there is a question that asks specifically if you're a licensed attorney and that excludes you. Also the fact that I hand-deliver the questionnaire to our jury coordinator is kind of a giveaway that I shouldn't serve on it DH could technically be called up for jury duty though, but I imagine that he would get struck from any criminal case, and one of the judges in my courthouse officiated our wedding so he probably wouldn't serve as a juror in his courtroom either lol.

 

[havaneselover]

I’m really sorry it didn’t work out. Are there no other private schools, maybe small ones? I just went through this with my youngest (he’s still little - 7) because the public school last year was just a waste of a year for him. Its so hard trying, hoping, and praying that you make the right choices for them. Look into all state funding as well, any charter schools? Here in FL, any diagnosis allows you to “shop” schools in and out of your district plus provides funding if you decide to go private.

Nothing like that in VA to my knowledge. I’m felling better today. It’s nice that at this point my ex and I are on the same page. That has not always been the case.

Not really any other good private options. We’re looking into daily tutors Mon-Th in addition to our regular math and French tutor. We need help with homework and studying. I’m intellectually capable, but I value my relationship with my son and my sanity too much to try to take this on daily. Also praying his high school counselor is good/helpful. We still have other issues (depression and anxiety—when it rains it pours although it’s probably related) to tackle.