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

[MickeyMouseCD524]

In amy biz it should be within 24 hours even if it's just to say I'm working on it and I'll gwt back to you by x. If I hadn't heard since an email on aug 2 or sept 2 I'd have already given them a 2nd chance or moved on unless I had to use them.

Totally even the times I was out for illness or vacation I still tried to get back to everyone within 24-48 hours.

 

[kmc8826]

I just called for a retention offer on the Business Gold. I have the original (right before it changed) with the $175 annual fee. I use it to get gas at three times the points (she looked and I average around $300 a month).

Offer was 5000 MR's to keep offer open and another 5000 if spend $3000 in 3 months. Any thoughts?

My reaction is to just simplify life and close it. I am definitely closing the Biz Plat so if closing it will put me on the pop up list I will have to deal with that anyway.

 

[tink1970]

Thanks @afan @MickeyMouseCD524 and @*WDW*Groupie* ... when I worked it was 24 hours MAX and I tried to do everything within the day but my situation was different than working as a TA and most were phone calls v. email.

I've officially already changed TAs but left 2 reservations with her since I 1) feel guilty for firing her and 2) feel guilty since she was the one on hold forever to get the original reservation (that I later split into 2. I figure I'll wait until tomorrow and email the boss and copy and past the requests to show I'm not being petty-they're losing money by her not doing this. I try to give the benefit of the doubt-spam filter, task saturated, etc but this is getting a little ridiculous.

Thanks again

 

[shairpdrh]

Hoping someone can help me with my date/options for canceling my Amex Biz Platinum for the AF refund. Here are the relevant dates (I hope):

8/26/19 AF posted and statement closed
9/20/19 Payment due (including AF)

I know that the rule is 30 days after the statement in which the AF posts. Am I correct that would be 9/25/19 in this case?

I am still torn on what to do, and might keep it and downgrade later if needed. The airline credit changes make it less valuable to me. Am I correct that if I want to downgrade later this year for a prorated AF refund, I could choose the Blue Business or Business Green?

Thanks in advance for any advice!

 

[tink1970]

I just called for a retention offer on the Business Gold. I have the original (right before it changed) with the $175 annual fee. I use it to get gas at three times the points (she looked and I average around $300 a month).

Offer was 5000 MR's to keep offer open and another 5000 if spend $3000 in 3 months. Any thoughts?

My reaction is to just simplify life and close it. I am definitely closing the Biz Plat so if closing it will put me on the pop up list I will have to deal with that anyway.

I totally understand the desire to simplify but let's consider how much you value MRs. $300/month on gas is 900 MRs x 12 so 10,800/year (est) plus 5000 MRs to keep it open. That's almost 16K MRs. If you only value MRs at $0.01 then that's $158 v the AF of $175. But...have you received any good Amex offers on this card? How much do you value your relationship with Amex? Do you value MRs more than $0.01 (I only use that since that's about skymiles and when in doubt I can transfer to Delta)?

Only you know the answers to the above but that's how I think about it. HTH!

 

[happ]

Ugh! Plastiq fixed my account to allow my MA tax payment to be submitted and it posted as a cash advance! Now I have a huge bank fee and no credit card rewards on the purchase. I just sent Plastiq a message. Am I completely delusional thinking something can be done at this point to reverse this?

Updating to add that Plastiq responded only to say that they are investigating and I will have a resolution via email by the end of the week. Also, I found out that they do not offer phone support. My advice for anyone using their service is to lower your credit card's cash advance limit to below your payment amount because despite what their site states payments may be charged as a cash advance.

 

[tink1970]

Am I correct that if I want to downgrade later this year for a prorated AF refund, I could choose the Blue Business or Business Green?

I can't help you with the AF question because I always downgrade or pay immediately (blonde and statements are confusing, lol).

But you can't downgrade to a BBP because the Amex Plat is a charge card and the BBP is a credit card.

Downgrade options are Biz Green (AF $95) and Biz Gold (new AF $295).

 

[shairpdrh]

I can't help you with the AF question because I always downgrade or pay immediately (blonde and statements are confusing, lol).

But you can't downgrade to a BBP because the Amex Plat is a charge card and the BBP is a credit card.

Downgrade options are Biz Green (AF $95) and Biz Gold (new AF $295).

Thank you! I knew I was missing something.

 

[amcc]

I have some questions about AmEx offers. I have a Plat with 2 AU (the gold kind)
- If an offer shows up on my card and I add it, will purchases made by the AU that meet the terms trigger the offer?
- If an offer only shows up on an AU card (Amazon) and he adds it, will a purchase on the main card trigger it?
I didn’t get Amazon and one kid did. I want to use it to buy the spanish shoes but would have to ask him for the card. And trying to pin them down to look for their wallet, between swimming and homework, not to mention this forgetful mom who only remembers things like this while sitting at work ;/

 

[PolyRob]

I did consider the A&C breakfast but I don't want the early show time. I guess when I call I can specify that. We've eaten there for lunch and liked it. The breakfast buffet looks ok. They have a couple of fish dishes and other seafood on the buffet and I wasn't sure how my stomach might handle any fishy smells that early.

The buffet smells NOTHING like Cape May Cafe It is a modest spread and only a few tables are actually located near it in the very front when you walk in by the pizza oven. Good luck when you call! Hopefully they can get that 6:45pm time for you! I just tested a 7:35am breakfast and got the 8:15pm show first try (used a different date not to mess with your possible times!)

 

[wanderlust7]

Just got an e-mail that EasyJet released their summer 2020 flights. If anyone is looking for cheap within Europe flights. They're usually cheapest when first released.

 

[tink1970]

- If an offer only shows up on an AU card (Amazon) and he adds it, will a purchase on the main card trigger it?

Not the purchase-offers are tied to a SSN so you and your child have different SSNs and you have to pin him down for it. It's how some of us "get" multiple offers-via AUs.

On the bright side, once you use the AU for the offer it will reflect on your MR account/take off on your bill since they're linked to your account overall.

Offer on AU->use AU to trigger offer-> offer bonus reflected on your card's statement or MR account.

 

[Lain]

@Lain - I'd like to lodge a complaint... This is the 2nd time that we've had an extensive debate on Pop Tarts on the thread and you've failed to include it on the DISchurners news thread.

In other news...apparently Pop Tarts has now taken over our thread twice in a 3 week span. We might have a problem folks...

Don't worry...I added it to the news thread myself!

I propose a spinoff thread called “I love pop tarts and other random stuff so much!”

Or you guys can keep discussing off topic things here to throw off our new friend.

 

[wendow]

The buffet smells NOTHING like Cape May Cafe It is a modest spread and only a few tables are actually located near it in the very front when you walk in by the pizza oven. Good luck when you call! Hopefully they can get that 6:45pm time for you! I just tested a 7:35am breakfast and got the 8:15pm show first try (used a different date not to mess with your possible times!)

View attachment 437218

The 8:15 would be fine too. She is singing in both so good to know that is an option for a breakfast package! Thanks for all your help!

 

[PolyRob]

The 8:15 would be fine too. She is singing in both so good to know that is an option for a breakfast package! Thanks for all your help!

No problem! I actually like the late show because it is completely dark by then. Just glad it is still an option for you!

 

[LilSweetPeaPhoto]

Y'all might appreciate this. I was on a first date Monday and we were joking about going to Vegas. He's like ohhh, I've got points I'll book the airfare, if you book the hotel. I whipped open my wallet to show him my credit cards and started to spout off my points totals. (He has 60k points w/ Capital One). He starts to tell me how some of the guys (he's a firefighter) pay for everything (he was shocked even their mortgages) w/ cards. I started talking a bit about MSing because I was doing it that afternoon while we were texting.

The next day he texts me and was like can you explain the gift card thing again? The guys here want to know, LOL. So I guess he at least reported my credit card game back to the other guys, LOL. Can't be too bad....we have date #3 tonight.

 

[*WDW*Groupie*]

Y'all might appreciate this. I was on a first date Monday and we were joking about going to Vegas. He's like ohhh, I've got points I'll book the airfare, if you book the hotel. I whipped open my wallet to show him my credit cards and started to spout off my points totals. (He has 60k points w/ Capital One). He starts to tell me how some of the guys (he's a firefighter) pay for everything (he was shocked even their mortgages) w/ cards. I started talking a bit about MSing because I was doing it that afternoon while we were texting.

The next day he texts me and was like can you explain the gift card thing again? The guys here want to know, LOL. So I guess he at least reported my credit card game back to the other guys, LOL. Can't be too bad....we have date #3 tonight.

Yay! Let us know how it goes! I used to do a spin class where the instructor was a firefighter . I really enjoyed his classes because he was so incredibly fit.

 

[*WDW*Groupie*]

I propose a spinoff thread called “I love pop tarts and other random stuff so much!”

Or you guys can keep discussing off topic things here to throw off our new friend.

I don't like pop tarts. I have a sweet tooth, but they're just too sweet for me. And since I'm an "outlier" I have to watch every bite that I consume because the lbs really start to creep up once you pass a certain age

 

[smallsy]

Ok so here's what I'm working with. I should add that I have a very reluctant/skeptical P2:

P1
02/19 CIP
*04/19 (denied Citi Biz AA)
05/19 CSR/CSP
08/19 Chase Business

P2
01/19 Chase Disney Visa
04/19 CIP
07/19 Chase Business

• Typical organic, non-mortgage spend is about 1500-2000/mo but has been waaaay more lately due to our massive home renovation. Doing a lot of Home Depot and Lowes purchases and it kills me that we have zero amex offers for Lowes since those seem to pop up all the time.
• Still have a few large expenses we're planning on in the next few months, including landscaping, furniture, décor, etc.
• Not planning another WDW trip next year, but could be persuaded if we can work out the funds (DH just streamed the Boo to You parade last night for the kids and said "why do I want to go back already?")
  
• We ARE planning a long overdue honeymoon/anniversary trip next year (maybe Scotland? Hawaii? still working out details) and hoping to use our URs but would also like to take more local weekend trips (Asheville, Charleston, etc.)
• Closest airports are GSP, CLT, and ATL.
• Annnnd I can't remember what else I'm supposed to put here so that's all!

 

[alryan]

OMG duh! AND that's exactly why I posted. I just cant do math today. For some reason I was thinking 10/1-1/31 was 90 days. In my defense I work in finance and we're into the last 11 days of closeout so my brain is fried.

OKAY.....SOOOO apply for SW BIZ on 10/15 and the rest should be good right?

Yes, the timing of everything else is good. My only concern would be if you are waiting to purchase all the tickets until you have these SW points in February. Ideally you would want to book your flights for everyone next week when they release flights for March. Then if you get the CP in February you add the companion. The good thing about adding the companion is that you can add when any seat is available, but you still do risk the flight being full. If your dates are set in stone for a cruise, prices will very likely be 2x as much booking in February than next week. As much as I love URs I just recently had to transfer some to SW as well. And I'll have to do more next week to book spring break. Obviously this will leave you with SW points after you get the SUBs, but then at least you will be ahead and you can use those points for the remainder of your CP.