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

Status
Not open for further replies.
You can apply for the plat first, assuming instant approval, then quickly take the upgrade offer. Did this for my DH recently. I’d say worth a 5/24 spot considering you’re getting 2 SUBs on 1 spot. Assuming you can use all the credits.

I would not take the upgrade by itself and lock yourself out of a SUB.

75k on the new plat is possible. Try incognito, different devices, VPN, etc. And if you have a P2, a support link for even more points.

ETA: Will also add that there’s theory that taking an upgrade offer helps with the pop-up. The additional spend you’ll be doing for the SUB will definitely help.
Thanks for the suggestions. I might try for the strategy for two cards, but two platinum annual fees at one time is quite a commitment.
 
I’m at 28 weeks! My cousin had her baby two mornings ago. I’m so ready for him to be here. I’ve got his hospital bag packed and will do mine when it gets closer. We need to make and freeze meals still
Nice! You are way ahead of me. I thought I had 2 weeks to be prepare when I started my maternity leave. I went shopping with my mom my first day off and then early the next morning went into labor and had DS. DH was frantically trying to pack since I had done nothing and there was no way I could get upstairs to get anything. Poor, sweet DH had to leave DS and me for a bit to run home and finish getting what I needed.

Enjoy this down time until his arrival!
 

Nice! You are way ahead of me. I thought I had 2 weeks to be prepare when I started my maternity leave. I went shopping with my mom my first day off and then early the next morning went into labor and had DS. DH was frantically trying to pack since I had done nothing and there was no way I could get upstairs to get anything. Poor, sweet DH had to leave DS and me for a bit to run home and finish getting what I needed.

Enjoy this down time until his arrival!
I’m a big planner so I like having a to-do list and crossing things off. Right now we’re trying to figure out how I’ll contact Dh. He said he thinks he’s gonna have to get a one way pager from work. His work is 20-30 minutes away and then the hospital is another 20-25 in the opposite direction. I’m hoping we’ll be okay if he comes to get me to go to the hospital
 
I’m a big planner so I like having a to-do list and crossing things off. Right now we’re trying to figure out how I’ll contact Dh. He said he thinks he’s gonna have to get a one way pager from work. His work is 20-30 minutes away and then the hospital is another 20-25 in the opposite direction. I’m hoping we’ll be okay if he comes to get me to go to the hospital
I had an obscenely fast first labor- 4 hours total, like 2.5 once I realized this was going fast. Even with the super fast time frame, you still would be ok. Most people tend to have longer, like 8-12 hours or more for first labor. And you don’t want to get there too soon.
 
I’m a big planner so I like having a to-do list and crossing things off. Right now we’re trying to figure out how I’ll contact Dh. He said he thinks he’s gonna have to get a one way pager from work. His work is 20-30 minutes away and then the hospital is another 20-25 in the opposite direction. I’m hoping we’ll be okay if he comes to get me to go to the hospital
Yeah, it was on the maternity leave to do list. I just thought I had more time since I had just seen my ob and she thought I was no where near ready. Of course, DS had other ideas. And thank goodness, DH was still home because there was no way I could have driven myself to the hospital. I would have been calling 911 or my neighbor.
 
I had an obscenely fast first labor- 4 hours total, like 2.5 once I realized this was going fast. Even with the super fast time frame, you still would be ok. Most people tend to have longer, like 8-12 hours or more for first labor. And you don’t want to get there too soon.
You just never know. I started at 4:30 am, left our house around 5:10 am, drove the 50 min to the hospital and had DS 8 min later. DH barely made into the room since he had parked the car.
 
I had an obscenely fast first labor- 4 hours total, like 2.5 once I realized this was going fast. Even with the super fast time frame, you still would be ok. Most people tend to have longer, like 8-12 hours or more for first labor. And you don’t want to get there too soon.
Oh good that makes me feel better! I’m a little worried I won’t know when it actually starts lol
 
Thanks, I did see that info, and then panicked when I thought the first deposit had to be by the 13th....note to self, don’t try to do too much at once. Difficult for an impatient overachiever :P




Ah, didn’t think about that either, good point. Yep, as @miztressuz said, I need to take a breath and move forward with a little more deliberation. Sigh......

So, just an update on the saga of the overachieving bank bonuser 🤭..... Received a reply to my ill-advised email asking about the bonus qualification for US Bank. CS rep said I met the requirements for the bonus on 1/28 and should see the bonus in the account in 60 days! Whew!

And, my new CSP came in the mail just in time to bring with us to DW and start working on that MSR. Is it weird I feel special using my new fancy metal card?? 😜
 
I feel like at very first it’s a bit hmm is this labor or not, but once it really gets going, in my opinion, there’s no mistaking it lol.

also I think everyone worries about that the first time!

I felt like that every time. Lol Well first was a planned delivery because I was on bed rest but the other 2 I wasn’t sure. On the 3rd one DH convinced me to call, we were getting ready for church and I’m like I think I’m ok. I called and said I think I’m in labor and they were like oh is it your first? Nope it is my 3rd. Lol I felt a little stupid. Thank goodness they told me to come in so they could check. Was 8 cm at check and they went to go get paperwork to check me in and I had to get DH to call them back in because I was ready to push. I can’t really say how long my labors were since I wasn’t sure when they started. Lol But my induced one started a little after 8 am and the Dr said he would check me again at noon. I had her by 11 am. That was my longest.
 
Replying on the bolded comment: Well, Chase does the exact same thing when an applicant is over 5/24. If you aren't under 5/24 your income, credit score and relationship with Chase does not matter. You aren't getting a card.

To get approved by Chase, you gotta play by their rules. Fortunately, it is easy to figure out the rules with Chase.

Amex is a little tougher to figure out. You may be right that the only thing they are looking at is what you have spent, but then again, that may not be all. Maybe they are also looking at how long you have been a customer, how long you've held their card(s), how many of their cards have you opened and closed after a year. Perhaps a combination of those factors are what determines if a person is in pop up jail or not.

I will agree, that putting all your eggs into one basket makes things very tough. This is why I have always been an advocate of diversification. If you want to diversify, then it is prudent to build a good relationship with Amex. Choose a no fee Amex MR earning card to keep forever and use for ongoing spend. Get an Amex BBP. If you don't do business cards, then get an Amex Everyday card. Both are no fee, both earn full use MR points that can transfer to their airline and hotel partners, both can earn more than 1 MR/$ spent. Hope this helps :flower3:

I totally agree with this, however even if I'd had an MR card for a little over 2 years, which would be the oldest it could be when I found this thread and started, it wouldn't ever get consistent spend. There are a few of us here that don't have the benefit of a P2 and some of us don't have the spend to support other cards while meeting MSR, sometimes it's hard enough to meet the bigger spends. I'm looking at having to MS, if it's even a possibility at my walmarts that I don't want to set foot in, just to meet anything over $3k because I can't do them organically without plastiq to pay my mortgage.

I agree that chase lets us know the rules, but the other thing with chase is I can be under 1/24 and sock drawer more than 1 of their cards and they'll still approve me for another (knock on wood). While amex, even if we knew more about the rules, appears to be quite arbitrary. Sure I've had the card about 2 years and I generally only use it when there are good offers on it and with those I've more than made up for the af.

I just have to accept that I may need to diversify outside of Amex and not get a 2nd hotel card to go with my Hyatt, or get the Marriott and keep it (shudder).
 
Status
Not open for further replies.





New Posts










Save Up to 30% on Rooms at Walt Disney World!

Save up to 30% on rooms at select Disney Resorts Collection hotels when you stay 5 consecutive nights or longer in late summer and early fall. Plus, enjoy other savings for shorter stays.This offer is valid for stays most nights from August 1 to October 11, 2025.
CLICK HERE













DIS Facebook DIS youtube DIS Instagram DIS Pinterest

Back
Top