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

[palhockeymomof2]

Ok, it’s that time to look for new homeowner’s insurance. We’ve only ever had State Farm and Homesite through Geico. Any recommendations of insurers to try?

We save a lot two years ago switching to Utica for our home and autos

 

[Jax1023]

I have the packing cubes by Away. I only got that specific set because it matchs my luggage. I wouldn’t pay for the Away branded set though.

I use the eBags ultralight cubes in my away bag. They still fit.

But I love my away bag. It fits so much even without packing cubes. I swear that thing is like a black hole.

 

[Judique]

When did BonBon start charging $10 for extra kids when you have more than 2 guests? I will be cancelling all 4 cards, this I just getting ridiculous. I’m going to only add 2 guest.

Is it the particular hotel or all of the hotels under the Marriott umbrella? I just put 1-2 in the number of guests always and have never had a problem. We are sometimes 2-3 adults and 2 kids but never over the capacity of beds in the room. If 3 adults I will have booked a suite of some sort with 2 queens and a sofa. (These are the mostly 1 night stays.)

 

[Judique]

Ok, I give, I have to give them a try. Kind of embarrassed to admit but I currently use jumbo ziplocks. Is there a set or size that I should start out with? I'm on the road every other week, it's a grind. I welcome anything that can bring amazing into my life. Thanks

I'm about to get into this also. I know I added an ebags offer to one of my cards. Have to check later today.

 

[disfanforlife]

Maybe airlines, but I know Hilton and Marriott do not give any type of credit when booking via UR. They see it as an Expedia reservation.

I wish the UR portal had never switched to Expedia. The previous portal did give the option of putting in membership info and I believe did give credit.

Darn I know I feel like I am late to the party with all this. But I am going along and trying to read a lot and learn from all of you.
So in that case I would have to compare how much it is booking directly. But I assume I would try to compare every time. So far, DH has his first CIP and I am going to apply for my first this month. So I am just thinking ahead so when I want to use the URs I am more knowledgeable about how best to use them.

 

[speedyfishy]

I use the eBags ultralight cubes in my away bag. They still fit.

But I love my away bag. It fits so much even without packing cubes. I swear that thing is like a black hole.

I love my away bags! Our wedding registry was basically all Away things. We got some of the luggage as Christmas gifts so we have been using them for awhile. at our shower we got the packing cubes, garment bag, and Dopp kits. I don’t like the Dopp kit though it’s too small for all my toiletries lol I also got the light blue luggage and it shows so much dirt and scuff marks but I really liked the color lol Before packing cubes I never really folded my clothes just threw things in from the dryer lol Now I just put it in the bag and zip it up and I have so much room lol

 

[iujen94]

Just curious - how worried (if at all) are y’all about putting purely personal expenses on a business card (specifically the CIP2)? I’m in a Facebook group focused on maximizing URs and best using URs, and they have a handful of people over there with horror stories about getting all of their Chase accounts closed for improperly using business cards for personal expenses.

(My “business” is selling stuff on eBay and at consignment sales - I could *maybe* justify my cable/internet bill and cell phone bill, which always go on my CIP2, but I also like to put travel on it, and no way could I justify that as a business expense.)

 

[Judique]

something silly probably... like walmart...

I'm hoping it is warehouse stores.

 

[GZanta77]

Is it the particular hotel or all of the hotels under the Marriott umbrella? I just put 1-2 in the number of guests always and have never had a problem. We are sometimes 2-3 adults and 2 kids but never over the capacity of beds in the room. If 3 adults I will have booked a suite of some sort with 2 queens and a sofa. (These are the mostly 1 night stays.)

Have to say this has been going on for years at some Marriott properties - esp in the Caribbean. It seems many properties treat anyone over the age of 12 as an adult and apply extra charges. I have seen charges as high as $75 per night. Marriotts website is not good at disclosing these charges.

However, in some cases there is a glitch where the system applies the extra charges to kids under 12 as well. In that case, I have previously been advised by Marriott CS to just book 2 adults and they have made a note in the system that 2 kids also included. Now my 'kids' are both over 12, I have either have to pay the extra charges or sneak them in - which is not always possible at some smaller hotels.

 

[amcc]

Anyone here ever test the waters of retail arbitrage and resell on amazon?

I do it with eBay and have my first box to send to amazon that I just need to get ready.

 

[Jax1023]

I love my away bags! Our wedding registry was basically all Away things. We got some of the luggage as Christmas gifts so we have been using them for awhile. at our shower we got the packing cubes, garment bag, and Dopp kits. I don’t like the Dopp kit though it’s too small for all my toiletries lol I also got the light blue luggage and it shows so much dirt and scuff marks but I really liked the color lol Before packing cubes I never really folded my clothes just threw things in from the dryer lol Now I just put it in the bag and zip it up and I have so much room lol

I have the pink color which I love. The scuffs and dirt basically come off with a magic eraser of you’re anal like me and magic eraser your suitcase lol.

I’m getting dh one for his birthday next month- deciding between green and asphalt grey.

I Feel like sooo kits are really for men who have less toiletry stuff. I need more space than that.

 

[WVMomof3]

Ok, I give, I have to give them a try. Kind of embarrassed to admit but I currently use jumbo ziplocks. Is there a set or size that I should start out with? I'm on the road every other week, it's a grind. I welcome anything that can bring amazing into my life. Thanks

I use mostly the medium size. But one of my sets is a small/medium/large and I use all 3 of those too. It depends how much you want to put in them and how big the clothes are. In the summer I only use the small/medium, but if I am bringing bigger items (jeans sweaters) then I need the large.

 

[WVMomof3]

Just curious - how worried (if at all) are y’all about putting purely personal expenses on a business card (specifically the CIP2)? I’m in a Facebook group focused on maximizing URs and best using URs, and they have a handful of people over there with horror stories about getting all of their Chase accounts closed for improperly using business cards for personal expenses.

(My “business” is selling stuff on eBay and at consignment sales - I could *maybe* justify my cable/internet bill and cell phone bill, which always go on my CIP2, but I also like to put travel on it, and no way could I justify that as a business expense.)

I don't think we have heard about getting shut down for improperly using the card. I am guessing there is more to their story than they are telling you. I have used mine for vet bills, medical bills, groceries etc etc. Basically anything and everything.

 

[schmass]

I just called the Chase status line and my new CIP was approved! Hearing that over the phone might be even more exciting than the auto-approval! Excited to start replenishing my UR balance.

 

[palhockeymomof2]

I just called the Chase status line and my new CIP was approved! Hearing that over the phone might be even more exciting than the auto-approval! Excited to start replenishing my UR balance.

Congrats

 

[needsomesun]

What are people’s plans for CP for 2020-21. I was thinking SW biz 80k next month and regular SW biz in Jan

Same plan. I'm a little worried about timing it so all of the bonus points come in Jan. Worst case is I mess it up and get all of the points in 2019. At least i'll still be 80000 points richer.

 

[needsomesun]

hmmnn, wonder if this is good for my DH as well. Is it worth a personal slot? Think, think, think...

I just got it for DH yesterday. We need some more AA miles and he's 2/24. With no other personal card plans except SW in a few months.

 

[mmmears]

Ok, I give, I have to give them a try. Kind of embarrassed to admit but I currently use jumbo ziplocks. Is there a set or size that I should start out with? I'm on the road every other week, it's a grind. I welcome anything that can bring amazing into my life. Thanks

I use Eagle creek (love their envelope too) and chose sizes and shapes that fit my carryon. I’ve added some and switched some out over the years, too. Love them!

 

[mmmears]

Popping in from the other side of the pond to say that we were able to book our return flights for summer 2020 this morning. Just went with AF even though it was a few more points from CDG, because I'm here and can't figure out some place new to visit after the cruise. Oh well, it's done, and that feels great. Could NOT have done this without this wonderful community, so THANK YOU!!! Without all of you we would still be working towards getting enough points to pay for that 2020 trip to Europe, and there's no chance I'd be overseas right now. Thanks for all the guidance and hand holding!

IMPORTANT DISchurners ANNOUNCEMENT

The State of the DISchurners Community
On behalf of the 6 moderators of r/DISchurners, I’d like to address our little community here on a handful of topics. DISchurners is approaching its 2nd anniversary and I never could have envisioned it growing into 300+ members. Coupled with the growth on our thread here on the DISboards, we have truly become a large community of friends and churners, brought together by our shared love of credit card rewards points. In addition to our most vocal members, it’s also clear that we have hundreds of others looking to US for information about churning, and that is so awesome! BUT with this growth comes additional exposure and potential risks and the mod group of DISchurners feels that it’s time we address this.

Just to clear, what we aren’t doing is suggesting to take our entire community off of the DISboards. The DIS is how we found each other and it’s how we continue to find new folks to help on this quest. We DO NOT want to squash the enthusiasm here for helping new folks find their way in this hobby. However, our thread can easily be found via google with churning related search terms and we are perhaps too nonchalant in our open discussion of advanced strategies and loopholes.

Advanced Strategies & Loophole Discussion:
I love the enthusiasm around some of the more lucrative strategies and loopholes. However, certain loopholes are starting to be mentioned very frequently and as we’ve discussed before, the more widespread they become, the greater the risk for them to get shutdown. I think it’s time for us to self-police as a community and move these discussions a bit more towards DISchurners. It is the responsible thing to do – we aren’t looking to “hide” the information. We just want to protect it as best we can.

You are certainly encouraged to say things on the DIS thread like “Hey guys, I just posted a neat DP on the Chase Ink Preferred thread on DISchurners”. But coming right out and citing that you got card #5 is perhaps something we want to avoid. As a community, we should WANT people to see important information and be well informed of the advanced strategies that exist. BUT we temper that desire with also wanting those strategies to exist 3 months from now, hence why we’re suggesting this approach. We will be setting up threads on DISchurners for a few of the major discussion items that we expect.

Manufactured Spend Discussion:
Similar to my comment on loopholes, manufactured spend (MS) has slowly crept more into our everyday discussion here. Many folks are new to MS and are eager to learn as much about it as possible. Those that have more experience in this arena will be quick to tell you that locations can get burned and strategies destroyed by folks who are irresponsibly conducting their MS activities. There are also a lot of risks around MS and I’m not sure our entire user base grasps the fact that you can’t get stuck with more than you can float. I would also suggest that we self-police in this arena and gently nudge folks to take more specific MS discussions to DISchurners.

What Card Advice and Strategy Discussion:
Handing out advice and helping with strategy is the activity that the community is built upon! Helping people find their way is great and the fact that people are willing to give back to the community is wonderful. Recently, we’ve noticed a more casual approach to dishing out this advice. This is a reminder that for somebody stumbling on to our thread, it’s important that we balance the advice with proper cautions.

By moving discussions of loopholes and MS off the DIS thread, that will certainly help, as newbies won’t be drawn immediately to advanced strategies that could place them in trouble or cause harm to the long-term viability of these strategies. Additionally, I feel that we should try to balance our advice with cautions about spending beyond your means, incurring interest, and just provide a general care around advocating for business cards. It can be hard to remember what it was like as a new churner, but think for a minute about how “crazy” business cards sounded the first time somebody told you to go for one.

If we adjust our approach a little, people who were just “driving by” will still be able to get a card or 2 and be happy. For those that WANT to dive deeper, all the resources necessary will be provided to them on DISchurners. Let’s encourage new folks to display a willingness to research and learn BEFORE we “spoon feed” the best information we have out in the open. And don’t hesitate to recommend joining DISchurners to all new folks. Our DISchurners group is open to ANYBODY who finds us via the DISboards. We have never denied entrance to anybody.

I heard Reddit is scary and people are mean there:
DISchurners will continue to function as a safe place for all to visit. As a private group, we will maintain complete control over who has access and the only way in will remain to find us on our thread here. While some of the advice there may become more advanced, the community will keep the respectful and welcoming tone found on the DIS vs the aggressiveness of r/churning (for example we won't tolerate disrespect of new folks or asking questions, etc.)

Why Is this being said now?
It’s important to note that this comment is NOT directed at anybody in particular. This is a proactive action before something happens, NOT a reaction to something that has happened. It is the culmination of seeing a group more than quadruple in size over the course of a couple of years. We have assembled a great group of 6 moderators for DISchurners and the consensus was that we need to address things. Our group will likely continue to grow, and it was important for us to set a tone of how we want operate now vs. when we have 1,000+ people frequenting the thread daily.

We also acknowledge that we have no authority whatsoever on the DIS. Anybody can say or do whatever they please so we’re asking the community as a whole to exercise caution and responsibility and help to protect the valuable information that we have. I would suggest that the best way for us to conduct this would be to simply reply to anybody who is sharing “sensitive info” and say something like “Do you think that this information would be better shared on DISchurners”. I’d also probably edit the quote on that reply to exclude any information that you feel needs protected. Hopefully then that user will comply and edit their comment accordingly as well.

In closing, please help us protect the valuable information that this community has to offer. Pay it forward to future churners by being responsible with your approach! The DIS has been and will remain a great home for our general chatter. We welcome any feedback from the community to this suggested shift in approach.

FYI: I will likely post this again as an announcement on a couple of occasions throughout the next week.

As comfortable as I am here, and as uncomfortable as I am on reddit, I have to say that you are totally right and I will do my best to read over there more often. As the poster child for finding this group through a google search, I know just how easy it would be for others (who are less well-intentioned) to do the same. Thanks for looking out for us.

 

[mmmears]

One more post: I thought I'd share this "little beauty" because it reminds me of EPCOT