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

[palhockeymomof2]

I just checked- between DH and I we have 5 chase business cards. One with $30 off a $100, one with $200 of $100, one with $10 off $100 and two with 10% back up to $17.

leave for wdw at the end of this week. Trying to decide between just buying Disney gc or buying fee free Visa cards and then ordering Disney gc on bjs with them. Just worried I won’t get the cards in the mail on time. I have an online only membership.

My online Disney gc BJs order took over a week to arrive so if you need them by the end of the week buy Disney GCs at Staples

 

[Lain]

Was just going to post about this...
Between DH and I we have various offers
$30 back spend $100 or more
$20 back spend $100
$10 back spend $100
10% back up to $17

Adding 20% back when you spend $100 or more, with a $34 maximum (maximize by spending $170).

I got mostly $10 back on $100+, and one 10% back up to $17.

 

[Jax1023]

My online Disney gc BJs order took over a week to arrive so if you need them by the end of the week buy Disney GCs at Staples

Good to know. I need a few hundred dollars for some meals. Maybe I’ll do a little of both and save some for our summer trip (the last one in our crazy year of APs and probably the last until 2022.)

 

[alryan]

Not sure if anyone mentioned this but I had a $20 off $100 at Staples Chase offer on my CIC, a $10 off $100 on my CIP and a 10% with up to $17 back on my third Chase business card.

Was just going to post about this...
Between DH and I we have various offers
$30 back spend $100 or more
$20 back spend $100
$10 back spend $100
10% back up to $17

I just checked- between DH and I we have 5 chase business cards. One with $30 off a $100, one with $200 of $100, one with $10 off $100 and two with 10% back up to $17.

leave for wdw at the end of this week. Trying to decide between just buying Disney gc or buying fee free Visa cards and then ordering Disney gc on bjs with them. Just worried I won’t get the cards in the mail on time. I have an online only membership.

Thanks for posting. These are awesome offers Time to get some cards out of the sock drawer! I see a lot of split transactions in my future this week at Staples!

ETA: That was so fun, kind of like gambling, except you know you're going to get something. Opening each account, "Come on $30!!!" I only hit it once, but that's okay, I'm happy. $145 in savings, I'll take it

 

[Limes96]

Wow! About those Chase Staples offers!


Makes it worth a special trip to the big city this week!

 

[alryan]

I have this card. I opened a biz checking (for a bonus) a few months before applying. I applied for the checking online and remember them asking for some document afterward, but I had read DPs that they don't follow up on that requirement and that proved true for me. I have kept the biz checking open because the acct has "DBA" on it and I have used it as proof of biz for opening other accts. I had no issues getting approved for the cc. I seldom use it, but it offers decent rewards for a no fee card and the elevated bonus is good. If you have a mortgage, there were DPs of it coding well for plastiq.
Eta: Just want to add that the preferred rewards program, as I understand it, is an either or situation. You either set up Merrill as a biz acct or personal. I have it on the personal side and only get elevated rewards on my personal cards.

Thank you. And thanks for clarifying on the preferred rewards program. That was my understanding as well during my research last night. I don't think I want to be setting up "business" brokerage accounts so I think I have to leave that out of the equation and really just be in in for the SUB. I found a $100 bonus for the checking so I think I'll open that first just to increase my chances.

 

[hsmamato2]

I got it in April, with a lower SUB of $300 so that $500 looks darn good! I think I may try to get it for DH now. Thanks for posting!

When I got mine, I didn't have a BoA checking account yet, but I did have the BoA Premium Rewards card already. And we had a joint brokerage account with Merrill Lynch (they are the same company) that had been in place for years, so I had an existing relationship with BoA.

The BoA biz account is set up kind of strangely with a "Corporate" account and the MC as a sub account, and they have different account numbers. When I pay the BoA Biz card I reference the Corporate account number, and not the actual credit card number. And I pay it with my Bluebird account.

I have basic banking with BoA.... I'm gonna look for this offer.....

 

[elgerber]

Nothing like waking up to an email threatening to cancel your last day of Fastpasses! Even though my new waitlist reservation had the same reservation number, it dropped out of my MDE. Yikes! Got that back in there now LOL.

 

[trenty]

OT: I have an unknown support in my stitch fix account. If it is anyone from dischurners, THANK YOU! I think I posted something there under “other” but I am unable to access my reddit account, again. Not sure why- does reddit suspend accounts for inactivity? I hardly ever log in there anymore.

 

[ski_mom]

I have a few of the staples offers too. I assume these can be used online as well? My closest Staples is about an hour away and it's in a direction we never go.

 

[kmc8826]

I have a few of the staples offers too. I assume these can be used online as well? My closest Staples is about an hour away and it's in a direction we never go.

I don’t have a Staples nearby but you can order online. Disney has a charge $101.99 for a $100. Or you can buy one of the emailed cards they offer like Target or Delta (couple others...those are the ones that are just of interest to me).

 

[magickingdomprincess]

Thanks for posting the Staples offers! I got offers for $30, $20, $10, and two 10%. Now to figure out if I'll be heading to KC any time soon to use in person or if I'll have to use online...

 

[kmc8826]

Amex point posting party for DH’s Amex Green!

He made the spend in first statement cycle. I usually like to make it through first statement and not do it too fast but the spend was $2000 so did not take too long. There was about a 10 day delay between meeting spend and points posting. A little excessive so they must have been checking the account. I am just so happy I don’t have to keep checking a couple times a day now.

For newbies wondering Amex can be difficult not only for the pop up potential (where you try to get a card but once apply get a pop up that you won’t get bonus if you go forward) AND because sometimes you can get the card without pop up and then have a difficulty getting points to actually post. When that happens it is best to just keep throwing spend on the card and hope for the best. So approval is not the only barrier sometimes.

 

[hsmamato2]

Not sure if anyone mentioned this but I had a $20 off $100 at Staples Chase offer on my CIC, a $10 off $100 on my CIP and a 10% with up to $17 back on my third Chase business card.

THANK YOU!!! I got it on DH's CIC this is so cool.... question, will it work on an AU on the CIC or just the primary card? OMG I got $100/$30 on my CiP!

 

[DaveL]

So I got this email. Thanks, Best Western...
View attachment 475623

I mean, why do you really think I'm in Anaheim in the first place!?

(Interestingly, DL is not even on the list they sent me...)

Disney prob didn't pay them to be on the list.

 

[IFlossU]

Not sure if anyone mentioned this but I had a $20 off $100 at Staples Chase offer on my CIC, a $10 off $100 on my CIP and a 10% with up to $17 back on my third Chase business card.

Adding 20% back when you spend $100 or more, with a $34 maximum (maximize by spending $170).

I got mostly $10 back on $100+, and one 10% back up to $17.

Where do you guys see offers on business cards? When I first set up the CIP in the Chase app it showed several offers available. Then one day they disappeared! I have reinstalled the app, no luck. I’ve tried the website, no luck there either. I can see all the offers on our personal cards, but nothing for the CIP. Any words of wisdom?

 

[hsmamato2]

Where do you guys see offers on business cards? When I first set up the CIP in the Chase app it showed several offers available. Then one day they disappeared! I have reinstalled the app, no luck. I’ve tried the website, no luck there either. I can see all the offers on our personal cards, but nothing for the CIP. Any words of wisdom?

I saw nothing til today.... on the website, when you click to offers page the dropdown allos you to choose which account to see

 

[pillow]

So I saw a lot of comments on Pacing while I was out...perhaps it's time to re-post this little gem:

From the ever-popular Fireside Chat with @SouthFayetteFan series comes a new edition:
A Comment on Chase and Pacing: Why 3 months??
So a lot of discussion recently about pacing with Chase and as you know, I'm obsessed with Chase pacing and velocity recommendations. I basically eat, sleep and breathe Chase pacing recommendations, lol!!

Some issuers have hard rules on pacing - Citi for example will flat out deny you for a 2nd biz card if you don't wait 90 days (typically recommended at 95 to provide a buffer). With regards to Chase there are 2 rules we know of:

• The 2/30 rule which means that you cannot apply for more than two personal Chase credit cards measured over any 30 day period
• And the 0/30 rule which means that you will get denied a Chase Biz card if you have been approved for any (personal or business) Chase cards in the last 30 days

So in a vacuum you could say...WOW I can go for a Chase Biz Card on day 1, a Chase personal card on day 2, wait 30 days and repeat this, right?? Wrong! You see, the scary thing about Chase is, if they decide that they don't like your application velocity they will SHUT. YOU. DOWN. And no, that doesn't mean they'll deny you. It means they will shut all of your cards down, give you 30 days to use your points, and cease doing business with you. To a churner under 5/24 this is basically a death sentence! People get shutdown for going too fast, things like 3 cards in 2 months, 5 cards in 4 months, 6 cards in a year, can all lead to a Chase Shutdown. Also, I would always count my months/days from APPROVAL date. That's the date that shows up on your credit report and the date that counts.

So how do you avoid this? You watch your pacing. I'll dig out an old comment for a bunch of pacing recommendations I made back in February:

• Minimum 2 months between applications of 2 Chase Personal Cards (only exception would be a modified double dip which requires two cards in 2 days - and in that instance I would attempt to have a "quiet" credit report for the preceding 3-4 months)
• minimum 3 months between applications of 2 Chase Biz Cards
• minimum 2 months between applications of a Chase Biz Card (first) and a Chase Personal card (second)
• Ideally a minimum 3 month "quiet" period before any Chase business application (2 months potentially ok though)
• You also want to watch how many other issuer applications you're putting in and what inquiries that is putting out there. AMEX seems to sometimes not do a hard pull which is nice. EXAMPLE: You may want to exercise caution applying for a Chase card with inquiries from AMEX, Citi and Wells Fargo in the past 3 weeks...
• Watch out for showing high balances on your credit report - consider paying down cards early (especially in the weeks preceding an application)
• Keep in mind that Chase can see ALL personal cards you applied for. Don't go hog wild with 4 new cards from other issuers and then think they'll be perfectly fine to give you another card (we don't have anybody here that really appears to be doing that)
• It still does not seem that TOTAL Chase cards plays any role in this, I have 7 open Chase cards and my wife has 10 and I don't have a lot of worry there.
• I would continue to reduce Credit Limits and keep them at a reasonable level - it's harder to be a "huge credit risk" if I don't have large limits that I could rack up and "bust-out" on...

So again you might ask, why 3 months?? 3 Months ensures that you will never run afoul of the overall pacing recommendations over the course of a 6, 12, or 24 month span.

So there's no HARD rule about 3 months?? No, there is not. As I said before, the only rules are 1/30 and 2/30.

Is it ok to not wait 3 months?? On occasion...YES. But here's what you need to watch - if you find yourself constantly pushing the envelope, applying at day 75, day 70, day 65; eventually you will have gotten too many cards in too short a time:

• Placing 90 days between cards means you will get no more than 4 chase cards in a 1 year span
• Assuming perhaps that you do a MDD one time in the year for some reason then you'd have gotten 5 chase cards in a 1 year span, still ok.
• If you condense that timeline to 75 days you'll find yourself getting 5 cards in a year (maybe 6 with a MDD mixed in).
• If you condense that timeline to 60 days you may find yourself now exceeding 6 cards in a year...now you're entering the danger zone.
• Even in short spurts this can be dangerous...if you do a MDD or even just do a personal card and a biz card a couple weeks apart and then come back with another card 60 days later and then another, you've now gotten 4 cards in 6 months. While you are raking in the points, is your future churning career earning opportunities worth the short term haul? I personally say no.

So that's where Citi Biz and Amex Biz cards can be your friend. If you find yourself without a MSR but not ready per the Chase pacing guidelines then mix in one of those cards or find something else to distract yourself. And if you find yourself at 75 days and deeply in need of a Chase card and you've followed ALL pacing guidelines up to this point, then you're probably safe to pull the trigger. Just don't let this become a habit. Maybe I should add one more bullet point above:

• It's ok to break the Chase pacing guidlines once in awhile but avoid doing it on consecutive card applications and avoid doing it more than twice in a year. And always wait as long as possible.

So there are some more thoughts on pacing and velocity. I find this especially of interest right now with the SW Performance Biz bonus reportedly decreasing in just 5-6 days and also due to the exposure the SW CP is getting right now and people's interest in trying to get that 2nd SW cards in less than 3 months.

As always, you can PM me about your personal pacing situation at any time and I will give you my read on it! Good Luck to all and hopefully this information is helpful!

EDIT: And because I generally don't trust people to be disciplined and do things in moderation, we've basically drawn a line in the sand of WAIT 3 MONTHS! This is probably especially helpful to newbies who really want to grab 6 cards in the first month because they want ALL. THE. POINTS. So I will continue to always say 3 months between Chase cards, because it is absolutely safe and easier to remember than the 20+ bullet points I've outlined throughout this post. But if you're capable of critical thinking and managing yourself in moderation then feel free to adjust your timing within your risk tolerance.

I know I'm late to the party here, but just want to say that this is a terrific post. Thank you!

 

[LuckyMamaInDE]

Good question! I hadn’t even thought about that. I think when we did the Reef almost 20 years, I just wore my bikini and then you had the flippers since you were snorkeling also.

Not sure if anyone mentioned this but I had a $20 off $100 at Staples Chase offer on my CIC, a $10 off $100 on my CIP and a 10% with up to $17 back on my third Chase business card.

Was just going to post about this...
Between DH and I we have various offers
$30 back spend $100 or more
$20 back spend $100
$10 back spend $100
10% back up to $17

I just checked- between DH and I we have 5 chase business cards. One with $30 off a $100, one with $200 of $100, one with $10 off $100 and two with 10% back up to $17.

leave for wdw at the end of this week. Trying to decide between just buying Disney gc or buying fee free Visa cards and then ordering Disney gc on bjs with them. Just worried I won’t get the cards in the mail on time. I have an online only membership.

Adding 20% back when you spend $100 or more, with a $34 maximum (maximize by spending $170).

I got mostly $10 back on $100+, and one 10% back up to $17.

Thanks for posting the Staples offers! I got offers for $30, $20, $10, and two 10%. Now to figure out if I'll be heading to KC any time soon to use in person or if I'll have to use online...

THANK YOU!!! I got it on DH's CIC this is so cool.... question, will it work on an AU on the CIC or just the primary card? OMG I got $100/$30 on my CiP!

I"ve got $20 on $100 on my CIC, 10% back up to $17 on a CIP, and 10% up to $17 on SW Biz

The nearest Staples is in the shopping center with my Shoprite so easy peasy this week! I'm going to buy all DGC for the trip in 2.5 weeks, and I'll also use my CIC for the fee free VGC to shift 5x to Costco.

 

[havaneselover]

I"ve got $20 on $100 on my CIC, 10% back up to $17 on a CIP, and 10% up to $17 on SW Biz

The nearest Staples is in the shopping center with my Shoprite so easy peasy this week! I'm going to buy all DGC for the trip in 2.5 weeks, and I'll also use my CIC for the fee free VGC to shift 5x to Costco.

Now I'm sort of irritated I cancelled my SW Biz yesterday!