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

[CyndiLouWho]

But then @SouthFayetteFan wouldn’t be out there yelling at the neighborhood kids to get off his lawn!

That’s just how I picture him too.

I don't remember who was going to Australia, but I got an email from Qantas that they are running a flash sale for $849 RT from some US cities to Sydney/Brisbane/Melbourne. Travel dates run into Aug 2020. I see Chicago to Sydney for $799.

I wish.

 

[Limes96]

Our flight from Venice to Toronto is on AC Rouge. I’m not too worried. I think we’ll be fine. The biggest issue for us is seat assignments. Our plane has a 2-3-2 seat configuration and we were about to get a block of 4 seats (2x2). Booking so far in advance though, I’m hoping there won’t be more changes in times. They’ve already made one minor time change. Hopefully that will be it!

 

[amalone1013]

LOL, I put it on the card that I haven't used recently-for me that's usually a flavor of Bonvoy.

That's what I normally do too.

 

[LynnTH]

I'm so sad / mad at myself . I applied for the barclaycard arrival+ for DH and myself and I missed the spend deadline for DH's card. I had plenty to put on it too. I don't know what I was thinking - I don't know if I thought the spend was only $4,000 and I was done or that I had longer or what, but I totally missed the boat on it.

I messaged them to see if there was anything at all that could be done, but in my heart I know what they are going to say . I was going to use the 70,000 bonus points from each card to pay most of the rental fees for a house for DD2's graduation next May. Everything is SO expensive down there during prime weekends and this would have at least eased the blow of paying an arm and a leg to have a place to stay.

At this point, I guess I still need to wait for the year to cancel? Can I ever re-apply with barclay to try again to get the bonus points?

Not sure if with Barclay you need to wait a year to cancel or not. DH opened Arrival + on 4/4/17. I cancelled the card on 4/13/18. I forgot that I had cancelled just recently and applied him for another one on 7/6/18. So just 3 months after closing and he was approved again. Got the bonus both times.

 

[gottalovepluto]

Signed up for Incredible Banks $175 checking offer posted on DoC. Nationwide, requires $300 recurring DD. Anyone can apply- even current customers! Just gotta fund with new money (from another bank). They paid out close to the last minute last time so not fast. Would sign up sooner rather than later, they might pull it early.

Also gonna remind folks the Sofi deposit $100 get $50 is still live. This is one of the easiest bonuses ever, posts later that day or the next business day. A few of us have done it and have links posted on DISchurners, if you use a link you get the $50 offer and the person with the link gets $50. You can generate a link from the app immediately after you are approved.

Sofi also has an investing offer to fund with $25 get $50 worth of a stock. Also available to “link” and will get you the offer and the link supplier gets $50. Because it’s stock you may have to report it on your taxes, personally I’m going to sell it as soon as I get it. The tax thing is NBD for me but others may feel different.

 

[Lain]

New targeted offer on the Amex Hilton cards?

https://www.reddit.com/r/churning/comments/d92kec/_/f1f5o8w

 

[*WDW*Groupie*]

Wow! I am so sorry. My company actually e-mailed iOS users daily before the release NOT to upgrade because some of our apps may not be supported. My VPN token app keeps yelling at me that my device is not compliant and wants me to upgrade. Oh well!

Find my Friends (which I use to track my daughter) disappeared after the update. I was a bit panicked because dd was volunteering at a dog rescue event in Fort Lauderdale in an area that we are not familiar with. When it got dark and I hadn't heard from her I wanted to track her location and boom, the app was gone (I checked the location app / GPS position for her car and saw that it was still parked in Fort Lauderdale). I was trying to find the Find My Friends app in the iTunes store to no avail. Finally I checked Google and saw that they changed the name of the app to Find My and it has a new (completely different) icon. Strangely the icon for Find My was on page 2 of my apps (not in the same place), so it wasn't immediately obvious to me what it was. Find My Friends was literally the most important app on my phone so I was distraught for several minutes. Ugh sometimes I hate Apple.

 

[LynnTH]

Signed up for Incredible Banks $175 checking offer posted on DoC. Nationwide, requires $300 recurring DD. Anyone can apply- even current customers! Just gotta fund with new money (from another bank). They paid out close to the last minute last time so not fast. Would sign up sooner rather than later, they might pull it early.

Also gonna remind folks the Sofi deposit $100 get $50 is still live. This is one of the easiest bonuses ever, posts later that day or the next business day. A few of us have done it and have links posted on DISchurners, if you use a link you get the $50 offer and the person with the link gets $50. You can generate a link from the app immediately after you are approved.

Sofi also has an investing offer to fund with $25 get $50 worth of a stock. Also available to “link” and will get you the offer and the link supplier gets $50. Because it’s stock you may have to report it on your taxes, personally I’m going to sell it as soon as I get it. The tax thing is NBD for me but others may feel different.

So for the Sofi one. I could sign up (under a Disboard Members Link) and I get $50 and they get $50. Then once I have an account can my DH and Kids each sign up using my account and then I will get $150 from them and they each get $50. Is that correct?

 

[platamama]

Got DH's Schwab Plat in the mail, and it no longer comes with the fancy eBayable wooden card holder. Mine last month did!

 

[speedyfishy]

So for the Sofi one. I could sign up (under a Disboard Members Link) and I get $50 and they get $50. Then once I have an account can my DH and Kids each sign up using my account and then I will get $150 from them and they each get $50. Is that correct?

idk how old your kids are and if there is a minimum age. your DH will definitely work and you will get another $50 for opening an investment account an support your DH to that as well.

 

[speedyfishy]

Got DH's Schwab Plat in the mail, and it no longer comes with the fancy eBayable wooden card holder. Mine last month did!

how much did you sell it for?

 

[bernina]

Off topic book recommendation.

If any of you are fans of gone girl, girl on a train or other psychological thrillers I just finished Behind Closed Doors by B. A. Paris. It will make you angry but it was also really hard to put down. I highly recommend. Because I have a lot of friends I share books with that have been through some pretty rough stuff I just have to put a disclaimer out there that if you have been in a controlling or abusive relationship (in this case mental) this book may not be the best for you. Good Reads provides a pretty good summary of the book. I listened on audio (free on Overdrive from my library) and the narrator was really good.

 

[Lain]

Losing roadside assistance is a big deal for me. With six drivers, AAA adds up (not all of us have it anymore), plus the AmEx service has been better than AAA a few times when my daughter has needed her car jump started--she lives in a cold climate with no garage, and last year during a run of super cold weather, AAA told her they were only taking emergencies for the next three days. AmEx had someone out in 20 minutes.

There seems to be mixed messages about whether premium cards like the Plat will continue to offer roadside assistance. I saw some chatter on reddit that it will, but it looks like DansDeals and DoC have called it dead and now r/churning is not so sure.

Yeah, I actually canceled my AAA membership because we get roadside assistance through my Plat and DW’s CSR. At least the CSR will still provide roadside assistance.

I feel like Amex is having us trade a lot of benefits just to get trip cancelation/interruption/delay insurance, and even then it’s limited to round trip travel that starts and ends at the same location. The reduction of extended warranty to 1 year makes it easier to close out a Plat after just a year or two.

 

[snugglebug]

I can't keep track of which card to use for various categories when not working on MSR. Does this look right?
This should help me decide what to cancel/keep, not on here is SW because I know I'm canceling those.
I plan to add my monthly bills in here so I know which card to default to when no MSR.

 

[magickingdomprincess]

OT question- for those of you who have booked "magical" rates- did you have to pay additional taxes or fees at the hotel? We went down to pay for a lunch we charged to our magic band and pay with a gc, and the balance is over $300 for taxes and a 3rd adult fee. The receipt and quote from my TA said nothing about having to pay additional fees! I emailed her but haven't heard back yet. Not cool!!!

 

[Haley R]

OT question- for those of you who have booked "magical" rates- did you have to pay additional taxes or fees at the hotel? We went down to pay for a lunch we charged to our magic band and pay with a gc, and the balance is over $300 for taxes and a 3rd adult fee. The receipt and quote from my TA said nothing about having to pay additional fees! I emailed her but haven't heard back yet. Not cool!!!

I’ve used them before and I don’t think I’ve ever gotten charged additional taxes and fees.

 

[wendow]

For anyone who has done the SoFi account, how long does it take to get the code? I've now been waiting about 10 mins for the verification code I requested another after about 5 mins. Haven't received anything

 

[LuckyMamaInDE]

I didn't see this discussed yesterday:
https://www.doctorofcredit.com/american-express-major-overhaul-on-card-benefits-begins-january-2020/
I'd love to do a quick takeaway, but DoC's already done a great job outlining the Good and the Bad. Worth reading to see which cards and benefits will be affected.

Amex will start notifying customers on 10/1/19. Changes go into effect 1/1/20.

Kinda excited about the Plat changes---I'll be more likely to use it over the CSR for booking flights, that's for sure.

Uggg I am so nervous for our flights from Glasgow back to DTW next July. I couldn’t find many flight options that didn’t involve a crazy number of stops or super high taxes. So I went with Air Canada not realizing it was Rouge

We are not fans of Rouge, but I still fly them regularly (that's all they have between FLL and YYZ). We are also stuck on a Rouge plane from Toronto to Lima in December. Small price to pay for seeing a new destination I suppose. Dh thinks they should just get rid of the entire Rouge fleet -- he flat out refuses to fly on a Rouge plane. He's expressed his view to Air Canada many, many times (he has an Account Manager that looks after his flights as well as a concierge).

Um how can you tell if a flight is on Rouge? Air Canada has options for us to get to Australia next year (booking through United).

 

[bernina]

For anyone who has done the SoFi account, how long does it take to get the code? I've now been waiting about 10 mins for the verification code I requested another after about 5 mins. Haven't received anything

Mine come instantly via text. I have Verizon. Sorry it’s being such a pain.

 

[wendow]

Mine come instantly via text. I have Verizon. Sorry it’s being such a pain.

I have Verizon too