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

[Lain]

https://www.reddit.com/r/DISchurners/comments/d21pzj

 

[linzjane88]

Hmm, my Ameriprise Platinum AF hit and is due 10/5. I called retention and got the offer of 20k MR/3k spend or 200$ credit/3k spend. Thoughts? I have only put about 1k on this card since getting it last year but put around 5k+ on the rest of my Amex's .

I have and love my CSR so I get better PP access thru them--Centurion doesn't mean much for me. Saks? Well I can always use it on makeup I just don't necessarily *need* it, and since SW gift cards (maybe all gift cards? ....I only followed the SW gc death) don't work anymore I just am so torn!

Is there a chance calling a different number would result in a better offer?

As an aside I tried for a BofA Biz Alaska and got requested via mail for proof of my 'busines'. Pfft.

 

[elgerber]

.

 

[brownhaired_girl]

I like this one
I guess I missed the quote
Aaand now I see it was suggested and I feel foolish.

 

[Lain]

Hmm, my Ameriprise Platinum AF hit and is due 10/5. I called retention and got the offer of 20k MR/3k spend or 200$ credit/3k spend. Thoughts? I have only put about 1k on this card since getting it last year but put around 5k+ on the rest of my Amex's .

I have and love my CSR so I get better PP access thru them--Centurion doesn't mean much for me. Saks? Well I can always use it on makeup I just don't necessarily *need* it, and since SW gift cards (maybe all gift cards? ....I only followed the SW gc death) don't work anymore I just am so torn!

Is there a chance calling a different number would result in a better offer?

There is only the “one” retention department, but they have several offices that handle calls at different times. It’s very unlikely you’ll get a different offer from another office, since mostly the reps just read the retention offer(s) that’s attached to your account. You may have better luck calling in again closer to when you actually have to fish or cut bait. Again, you need to cancel within 30 days of your AF posting. In a week or two, the offers being given out may have changed depending on the metrics Amex is trying to hit. If it’s the same offer, I personally would cancel and open a different Plat closer to the end of the year if you even value the benefits.

 

[Lain]

So tried Barclays Hawaiian Biz for me and personal for dh. We each hold an Arrival + and an AA Biz. He got instant approval, I got we need more time/info. Well at least one of us for sure will get some Hawaiian miles (or Hilton LOL)

With Barclays, don’t count your bonus until it’s posted. They’re notorious for randomly freezing cards and asking for biz documents even after they’ve approved you.

 

[elgerber]

With Barclays, don’t count your bonus until it’s posted. They’re notorious for randomly freezing cards and asking for biz documents even after they’ve approved you.

First I have to actually get approved for the biz card. Right now it's still in wait status. His instant approval was personal, haven't had any issues with Barclays personal, knock on wood.

 

[linzjane88]

There is only the “one” retention department, but they have several offices that handle calls at different times. It’s very unlikely you’ll get a different offer from another office, since mostly the reps just read the retention offer(s) that’s attached to your account. You may have better luck calling in again closer to when you actually have to fish or cut bait. Again, you need to cancel within 30 days of your AF posting. In a week or two, the offers being given out may have changed depending on the metrics Amex is trying to hit. If it’s the same offer, I personally would cancel and open a different Plat closer to the end of the year if you even value the benefits.

So the other *minor* detail is that I just noticed my auto-pay very conveniently just sent my AF payment Would you suggest moving sooner rather than later on account of them 'getting my money'already?

 

[Lain]

So the other *minor* detail is that I just noticed my auto-pay very conveniently just sent my AF payment Would you suggest moving sooner rather than later on account of them 'getting my money'already?

Yeah... that’s some of your leverage that your autopay gave up. I mean, you still have 30 days from the close of the statement on which the AF posted (which is usually the same thing as the date your AF posted) to cancel the card and get a refund. But it’s an extra step to counter “but you already paid it” with “I still have time to cancel and get that fee refunded to me.”

 

[SouthFayetteFan]

Barclays Aviator Business - Might be best to cancel SOONER rather than later (ie before the AF posts):
I was reading an exchange on reddit of some disastrous experiences people have had with the TERRIBLE Barclays Aviator Business website and customer service:

One person mentions that they cancelled through SM after the AF hit but before the statement closed with the AF on it. Once you cancel via SM the login stops working. For some reason the AF never got refunded and a late fee was assessed and then a collections agency began calling about the amount due. Eventually they were able to get it remedied but it sounded like a hassle.

Another user chimed in that they had a similar experience although it was easier for them to get the fees waived. (Perhaps they caught it earlier though).

A third user mentioned that you should probably just cancel before the fee is charged and somebody else recommended closing after the MSR because they experienced issues too (which I honestly considered doing myself with how terrible that website is).

I think my Biz Aviator cards are about to get cancelled! That website is a crime against humanity and none of this surprises me...

I think I covered it all but if you want to read it firsthand - here you go!

https://www.reddit.com/r/churning/comments/d9i36o/_/f1iqva9

 

[kidsfirsttrip]

Barclays Aviator Business - Might be best to cancel SOONER rather than later (ie before the AF posts):
I was reading an exchange on reddit of some disastrous experiences people have had with the TERRIBLE Barclays Aviator Business website and customer service:

One person mentions that they cancelled through SM after the AF hit but before the statement closed with the AF on it. Once you cancel via SM the login stops working. For some reason the AF never got refunded and a late fee was assessed and then a collections agency began calling about the amount due. Eventually they were able to get it remedied but it sounded like a hassle.

Another user chimed in that they had a similar experience although it was easier for them to get the fees waived. (Perhaps they caught it earlier though).

A third user mentioned that you should probably just cancel before the fee is charged and somebody else recommended closing after the MSR because they experienced issues too (which I honestly considered doing myself with how terrible that website is).

I think my Biz Aviator cards are about to get cancelled! That website is a crime against humanity and none of this surprises me...

I think I covered it all but if you want to read it firsthand - here you go!

https://www.reddit.com/r/churning/comments/d9i36o/_/f1iqva9

Ugh been on my radar to just close it. Think I’ll follow suit....

 

[kidsfirsttrip]

Ugh been on my radar to just close it. Think I’ll follow suit....

Bar-cray, cray

 

[amalone1013]

Dh is upset he has a work trip next week and they're booking him on Delta

 

[ten6mom]

Hi from ANA first class! This is awesome!!!

View attachment 439114

You're making me (more) envious!!

I forgot where you are going, but since you have all those Duffy/Friends, and attaching them is something we saw a TON in Japan (I even got myself a Baymax and the otters from Nemo and Friends), is it Japan???

Have a wonderful time!

 

[havaneselover]

Is there a limit on the length of the warranty? If she keeps for 10 years and the cost for those years is $500.00 then a break job and you'd likely break even, then if something else went you come out ahead. However I'd read the warranty closely and see what the exclusions are. Also if you move insurance companies then is your warranty void (if yes, then I'd probably pass)?

Yeah, the moving companies thing is one of my concerns because it’s only good if I stay with geico. I don’t think there’s a limit but you have to buy it in the vehicle’s first 15 months. There is a $250 deductible. Need to do more research!

 

[CaliforniaGirl09]

For those looking to book SW flights with today's release who are finding really high prices: if you are booking a trip with a stop, try booking the legs individually. I was trying to book our outbound Spring Break flights from Boise to Maui and was seeing Wanna Get Away fares sold out for that itinerary. But when I looked at the BOI to OAK and OAK to OGG legs separately, Wanna Get Away fares were available for each leg, so I booked that way. I wasn't so lucky on the return, at least not yet. Wanna Get Away from OGG to OAK are available, but not from OAK to BOI. I'm going to wait on that one, since there are other options for the return (like United, Alaska).

I was late today—I’m in UK and totally forgot—so our RT spring break tickets were pretty pricey even with WGA fares. I want to say $649 RT OAK to OGG. One CP helped but still steep. Wonder if there were any deals early?

On another note, I was very happy to see P2’s schwab customer appreciation of $200 credit post on his new Amex platinum. Not sure I realized that was part of the deal but nice!

 

[orangecuse]

Redeemed some Hilton points for 5 nights at the Doubletree Disney Springs next year for our trip. Got right at the 0.6cpp redemption value you expect out of Hilton so I am happy! A suite works best for our family. We toyed with an onsite stay but cost wise it just never makes sense for the space provided. Maybe if we weren’t also doing a DCL Cruise next year lol

Speaking of our cruise- should have that bad boy paid off fully by points once our Chase bonuses post. Statement close right? (Made the previous payments with our 2 Arrival+ bonuses).

 

[ten6mom]

still waiting for my new card to arrive so I can spend money!!!!

In other news, the 15 yo came home with a girl's scrunchie on his wrist. He thinks I am ancient so I am thinking I'll have to tell him that scrunchies were super popular "a long time ago" in the early 90's... and that I used to wear them in my hair all the time.

 

[disneymagicgirl]

Right now we don’t have any immediate plans to go anywhere. Our main thing is our cruise and then visiting family. Maybe sometime down the road we’ll fly somewhere with southwest out of MCO

Once you get past the cruise you could keep an eye on flights to the Caribbean on SW. sometimes I see them really cheap from FL...like 3k each way.

 

[smallsy]

I’ve only ever booked the cheapest fares for air travel. You know, the ones that say non transferable and non refundable. So how does everyone change their flights around when the price drops? Are you booking the next tier up? I’m not sure how this works.