I love credit cards so much! v3.0 (see first page for add'l details)

[afan]

It'll be 4 weeks this thursday since I started putting all my spend on my amex. I do most/all of my spending Fri-Sun so I'm done until Friday, so I need to wait the 4 weeks since that's also when I last tried to app for the Hilton or can I do it now?

I know I'm impatient, but will a few days make a difference when there's not going to be any spend after the 15 bucks I put on it this morning?

 

[Breck]

What card are people finding the $55 cell phone offer on, for the AMEX?

DH had it on Hilton Biz, none on mine

 

[punkin]

I haven't done any GC offers since DH misplaced a whole bunch fof GCs I got at safeway. But I have some of the staples offers and am thinking of trying again

 

[miztressuz]

For those who have gotten Amex upgrade offers- for example Hilton surpass to aspire- how long do you usually have the card before you get an offer?

It'd have to be at least one year due to the rules about annual fee increases in the first year. The CARD act generally prevents you from upgrading to a higher annual fee card within that first year on personal cards. Since the Surpass is $95 and the Aspire is $450, even if you wanted to it shouldn't be allowed so there's no point in offering before that. However, after that it's fair game and there's reports of people being targeted for upgrade offers a few months after downgrading from the higher cards (for some cards it could be just a few weeks after).

AmEx offered me an upgrade on my Bonvoy to the Brilliant (same AF situation as the Hiltons) right around my first anniversary.

 

[FoxC63]

Yeah regular Kroger stores are generally ok, not the bigger ‘superstore’ types. You can always try a test purchase to see how it codes.

I'm trying to decide which CC to sign up for. We have a big spend and DH is finally on board.

 

[Calfan]

It'd have to be at least one year due to the rules about annual fee increases in the first year. The CARD act generally prevents you from upgrading to a higher annual fee card within that first year on personal cards. Since the Surpass is $95 and the Aspire is $450, even if you wanted to it shouldn't be allowed so there's no point in offering before that. However, after that it's fair game and there's reports of people being targeted for upgrade offers a few months after downgrading from the higher cards (for some cards it could be just a few weeks after).

AmEx offered me an upgrade on my Bonvoy to the Brilliant (same AF situation as the Hiltons) right around my first anniversary.

Makes sense. DH just got a $95 AF charge on his now-upgraded Aspire. Assume the rest of the $450 will show up in due course.

 

[Calfan]

I got a $100 Mackenzie Childs gift card in the mail from Amex yesterday as a thank you for my membership. Kind of funny that I’m still in the support link doghouse over my one self-referral, but Amex is sending me thank you gifts...

 

[FoxC63]

We are supposedly headed to Italy this summer, but with the news yesterday when will have to wait and see. We purchased the trip insurance through Delta Vacations when we purchased the flights back in September. I spent some time looking and think we definitely want to buy medical and evacuation insurance. I am booking hotels with a cancellation policy of a few days so I think we are good there. Is there anything else we need to look at for the insurance?

When we went to TDR, we paid for trip insurance. It included Cancellation for any reason, not just work or some new medical whatever. That was back in 2015 and I don't remember who we bought if from. DH and I do not remember how much we paid unfortunately. It included medical, emergency evacuation, flights, hotels and a few other things.
I specifically remember reading the first page of items you could add on. Then clicking though the site I found an offer with everything we wanted for a lower price. I thought that was weird, the "Build Your Own" was more expensive.
I do have to say when we went Japan there was reason to be concerned. The Philippines suffered a significant tropical cyclone and was heading towards Japan. Scared the crap out of us!

 

[FoxC63]

@disneybirds go here to this site. How to Find the Best Travel Insurance Link

 

[striker1064]

Disney springs is crazy today

Seems like everywhere has been crazy today. Long wait times and big crowds!

Mardi Gras is Tuesday, so I definitely noticed an uptick in New Orleans Saints shirts.

 

[LynnTH]

Nice! I only got it on 1 of my cards. Are you planning to buy smaller amounts adding up to $100? I thought about doing that, but was worried about a repeat of the BJ's issue (amounts charged separately and didn't trigger offer).

i was going to get $50 gift cards. I guyI didn’t think o f them not shipping together. Had anyone had that issue here

 

[Alexle2007]

It was a good day at Staples! I am 1/3 of the way closer to another night at the PH Sydney. I was going to spend our final night closer to the airport. But nope, I think our final night on the other side of the world should be spent in luxury and we’ll just get up early for our 9:30 am United flight.

 

[Haley R]

Seems like everywhere has been crazy today. Long wait times and big crowds!

Mardi Gras is Tuesday, so I definitely noticed an uptick in New Orleans Saints shirts.

We weren’t gonna go today but my SILs wanted to meet for lunch before heading to their flight. They got back from a cruise today. We ate at Wolfgang puck. The food was good but the service was pretty bad

 

[Ngwira]

For those who have gotten Amex upgrade offers- for example Hilton surpass to aspire- how long do you usually have the card before you get an offer?

1 day for my DH.. he had the no fee.. one year anniversary he got the surpass upgrade then a day later he got the Aspire upgrade.

 

[gottalovepluto]

It'll be 4 weeks this thursday since I started putting all my spend on my amex. I do most/all of my spending Fri-Sun so I'm done until Friday, so I need to wait the 4 weeks since that's also when I last tried to app for the Hilton or can I do it now?

I know I'm impatient, but will a few days make a difference when there's not going to be any spend after the 15 bucks I put on it this morning?

I thought the only pacing rules for Amex were with regards to approvals, not apps?

 

[afan]

I thought the only pacing rules for Amex were with regards to approvals, not apps?

This is because I got the popup when I tried for the hilton last month so was putting spend on it. That's why I'm curious if it matters if I wait the 4 weeks when there won't be any spend put on the card between now and Thursday when I'm at 4 weeks. I only go to the gym after work during the week and most of my online spending is amazon and I use/have gc for anything that may come up.

 

[wanderlust7]

1 day for my DH.. he had the no fee.. one year anniversary he got the surpass upgrade then a day later he got the Aspire upgrade.

Did he take the Aspire upgrade? Curious if you can get both upgrade bonuses one after the other like that.

 

[wanderlust7]

My DH is the same. I warn him a new card is coming so when he gets a notification of an inquiry or new account on his credit report he knows it is ok. Just today, since he was going to the grocery store I gave him his BBP card to use. I am his "employee", I like to think CFO , so all charges so far have been on my employee card. Beyond that, he has a card for gas and a CIU for everything else since he will not remember more than that!

Funny, I think like that too. DH is the CEO (the big ideas), IT, maintenance. I am the CFO, accounting, and legal.

 

[Limes96]

@FoxC63, I was looking through my BCP statements to find out about the stores you mentioned and whether they got 6% back. But I couldn’t find a Meijers charge! I only go there on occasion and I just must always use an MSR card there. I was thinking that I do get 6% back at Meijer but I guess I’m not positive. Walmart I know doesn’t. But Kroger Marketplace DOES get 6% back, at least here in Ohio where I am. And regular Kroger too of course. HTH

 

[Ngwira]

Did he take the Aspire upgrade? Curious if you can get both upgrade bonuses one after the other like that.

Not yet.. we’re working on the surpass upgrade to get the 150,000 points.. should be done that in a few days and when points post will do the Aspire upgrade.