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

[DaveL]

Did you happen to use a portal that paid? My Staples is just too far to really be worth it for me unless I'm headed in that direction for something.

im not seeing any rtm cash back offers for staples. What are you seeing?

I didn't use any cash back sites. I just used the $30 off $100 Chase offer on three of my cards.

 

[platamama]

Just got this e-mail from BA. Is this a normal offer and would it tie up a /24 slot (I think yes!):

Dear Mrs wdwgroupie

We’ve enhanced our Card and included more travel benefits to help you fly across the pond sooner than you might think. You can earn up to 100,000 Avios when you open a British Airways Visa Signature account, that’s 50,000 bonus Avios after you spend $3,000 on purchases within 3 months of account opening.* Plus earn an additional 50,000 bonus Avios after you spend $20,000 total on purchases within your first year.*

Plus, you’ll now receive additional Avios when you spend directly with hotels – you choose the hotel and we’ll reward you for choosing to pay with your British Airways Visa Signature® Card.

• Earn 3 Avios per $1 spent on flight purchases booked with British Airways, Iberia and Aer Lingus*
• Earn 2 Avios per $1 spent on hotel accommodation purchased directly with the hotel*
• Earn 1 Avios per $1 spent on the rest of life’s purchases*

Plus, get up to $600 statement credit back each year when you book reward flights to London traveling on British Airways.* That’s $200 when you book a reward flight in business (Club World) or First, and $100 for a reward flight in economy (World Traveller) or premium economy (World Traveller Plus). Taxes, fees and carrier charges apply and are approximately $682–$1,250 per adult in economy (World Traveller) or $1,250 in business (Club World) based on travel between Seattle and London.*

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

$95 annual fee+​

I think the statement credit part is new. They ran a similar SUB in 2018 where you got 50K after the first $3K spend, additional 25K once you hit $10K spend, and a final 25K once you hit $20K spend. The total SUB is the same but structured differently.

It would definitely take a /24 spot. Since you can transfer MRs and URs to BA at 1000:1000, and have the flexibility with those currencies you'd want to compare it to other MR and UR cards.

ETA: Does it still come with the Travel Together ticket when you spend $30K on the card?

 

[disfanforlife]

Another OT post. But for any Coach fans. The coach outlet site is having a sale and there are a bunch of Disney Coach bags on sale. I ordered one.
🛍

 

[LuckyMamaInDE]

Another OT post. But for any Coach fans. The coach outlet site is having a sale and there are a bunch of Disney Coach bags on sale. I ordered one.
🛍

My dh gave me the red bag with Minnie on rollerskates a year or so ago--love it so much

 

[DaveL]

Feel like I have been on vacation from you guys, just had a successful AS9100 audit this week so have not had any free (or personal) time with that and having some contractors in town for work. Been doing 10~12hr days then get togethers in the evenings. Its a pretty big project, had three people just fly in to go out to a fancy dinner with us. The high visibility has its ups and downs, that being an up, no personal life left is the down. Been telling DW that the OT covers another Disney trip, she's not going for it...yet...

 

[GusGus16]

Can I share my extreme frustration with Chase?

I tried to log into my account this morning and got a pop-up saying my account has been locked due to suspected fraudulent activity (could it be because I set up and paid my AmEx personal and biz plat cards last night?). I called to unlock and they asked for my business debit card number, which I gave them. Then they said they would send me a pin code via text; oops, the rep said she wasn't able to send a text to my phone (she didn't indicate why). She is now insisting that I visit a branch since I can't recall the pin code for my biz debit card (I don't even know if I set one up). I asked if we could use my personal debit card for verification, but she said it's not possible. She insisted that I go to a branch. I really hate when companies outsource their call centers (this CSR is located in India). She literally could not deviate from her limited script. I have now been on hold for over 15 minutes while I am transferred to a representative in the US to see if they can unlock my account.

Has anyone else had their accounts locked with a bank? I'm an outlier by age and I've never in my life had any of my accounts locked.

ETA: the CSR in the US was able to send me a text and verify my account (he has no idea why the CSR in the call center wasn't able to send me a text). He confirmed they locked my account because of the large payment to my AmEx biz plat. He asked me why I was paying such a large amount, to which I replied that I was paying my statement. He asked why my statement would be that much money. I told him I wasn't going to answer that question unless he gave me a valid reason why he needed to know, to which he replied "you are using our product to pay and we have a right to know". I told him that I disagreed with him, it's my money and no need for them to know how I'm spending it. He said they have every right to know when I'm using their product to pay (I don't agree with this -- if I was asking to borrow money, then yes they have a right to ask how how I'd be spending it, but not when it's my money!). He said if I didn't want to tell him why my bill was so high then I should use a third party to pay my statement. I am shocked that they think they have a right to question how I spend my money. At my outlier age, I don't feel the need to justify to anyone how I spend my money. Sheesh. I am seriously considering moving my accounts from Chase. He also said that the CSR in the outsourced call center shouldn't have been asking about my biz account since the issue was with my personal account. Rant over. Thanks for allowing me to vent!

I have very little knowledge of banking, hopefully someone else with more knowledge in regards to the legality can chime in. I find this story so disturbing, I don't think there was any reason for the rep to ask why your statement was so high. I think when you refused he then pushed the issue, which I believe was inappropriate. These are electronic transitions that are easily traced...ie paying amex and not something like depositing large amounts of cash in your accounts, etc. I have switched banks for far less. This story hit a particular nerve with me, I'm female and not an outlier age, but have a huge issue justifying my spending, banking, etc to anyone else, let alone a bank that is making money from me using their services.

 

[mmmears]

My dh gave me the red bag with Minnie on rollerskates a year or so ago--love it so much

Love that! DH got me the mini Minnie wallet last year (I wanted something tiny for when I take long walks) and I love it.

 

[LB002]

Can I share my extreme frustration with Chase?

I tried to log into my account this morning and got a pop-up saying my account has been locked due to suspected fraudulent activity (could it be because I set up and paid my AmEx personal and biz plat cards last night?). I called to unlock and they asked for my business debit card number, which I gave them. Then they said they would send me a pin code via text; oops, the rep said she wasn't able to send a text to my phone (she didn't indicate why). She is now insisting that I visit a branch since I can't recall the pin code for my biz debit card (I don't even know if I set one up). I asked if we could use my personal debit card for verification, but she said it's not possible. She insisted that I go to a branch. I really hate when companies outsource their call centers (this CSR is located in India). She literally could not deviate from her limited script. I have now been on hold for over 15 minutes while I am transferred to a representative in the US to see if they can unlock my account.

Has anyone else had their accounts locked with a bank? I'm an outlier by age and I've never in my life had any of my accounts locked.

ETA: the CSR in the US was able to send me a text and verify my account (he has no idea why the CSR in the call center wasn't able to send me a text). He confirmed they locked my account because of the large payment to my AmEx biz plat. He asked me why I was paying such a large amount, to which I replied that I was paying my statement. He asked why my statement would be that much money. I told him I wasn't going to answer that question unless he gave me a valid reason why he needed to know, to which he replied "you are using our product to pay and we have a right to know". I told him that I disagreed with him, it's my money and no need for them to know how I'm spending it. He said they have every right to know when I'm using their product to pay (I don't agree with this -- if I was asking to borrow money, then yes they have a right to ask how how I'd be spending it, but not when it's my money!). He said if I didn't want to tell him why my bill was so high then I should use a third party to pay my statement. I am shocked that they think they have a right to question how I spend my money. At my outlier age, I don't feel the need to justify to anyone how I spend my money. Sheesh. I am seriously considering moving my accounts from Chase. He also said that the CSR in the outsourced call center shouldn't have been asking about my biz account since the issue was with my personal account. Rant over. Thanks for allowing me to vent!

If you don't mind sharing, how much was your statement? We did renovations last year and we had a few $$$ months and we were never questioned (although I didn't speak to any reps).

 

[Oscar Madison]

Correct, no loophole. Just trying to get things done fast since I’ll be at work. Easier to just change flights on my phone then try to make new reservations.

...and do your dummy august bookings have to the have same airports and passengers as the real dates you want to make it easier to change?

 

[disfanforlife]

My dh gave me the red bag with Minnie on rollerskates a year or so ago--love it so much

Fantastic! I ordered a Dumbo purse.

 

[disfanforlife]

Love that! DH got me the mini Minnie wallet last year (I wanted something tiny for when I take long walks) and I love it.

I ordered a wallet too

 

[trenty]

I've cancelled a couple hours before the flight a couple of times. I haven't had a problem getting points back.

@Judique- me too. I think you can cancel up to 10 minutes before flight, but I would not recommend waiting that long.

 

[trenty]

I don't think we know for sure. Originally it was thought that flights booked a day apart were safe, but I recently had one canceled when booking a day apart. I guess if it was me, you could book them all. But then you would have to be prepared to have SW make the decision for your DD for when she leaves if they end up canceling a flight, unless you want to pay the last minute prices.

@Judique - after reading this reply I realized I misread your question.

I have had SW cancel a flight that I made for DS that was on the SAME DAY as another flight. Their system does that automatically.
But, I often book flights for him a day apart (college student and never know in advance when his semester will end with final exams). Those flights have not been cancelled to date.

 

[Judique]

@Judique - after reading this reply I realized I misread your question.

I have had SW cancel a flight that I made for DS that was on the SAME DAY as another flight. Their system does that automatically.
But, I often book flights for him a day apart (college student and never know in advance when his semester will end with final exams). Those flights have not been cancelled to date.

Thank you! That is great information and exactly what I am looking for.

 

[alryan]

@Judique - after reading this reply I realized I misread your question.

I have had SW cancel a flight that I made for DS that was on the SAME DAY as another flight. Their system does that automatically.
But, I often book flights for him a day apart (college student and never know in advance when his semester will end with final exams). Those flights have not been cancelled to date.

Yeah, I really think my DP is an outlier, but it did happen so I think it's worth noting the risk that one flight may get canceled. Honestly mine was really screwy, because not only did they cancel a flight, but they only canceled 2/3 people from the same confirmation number. Exact same itinerary for all 3 people, only two got canceled.

 

[*WDW*Groupie*]

If you don't mind sharing, how much was your statement? We did renovations last year and we had a few $$$ months and we were never questioned (although I didn't speak to any reps).

It was high relative to what I usually pay AmEx. It was just over the MSR + the annual fee. I wouldn't consider it high by some standards though.

 

[DisneyMandC]

Can I share my extreme frustration with Chase?

I tried to log into my account this morning and got a pop-up saying my account has been locked due to suspected fraudulent activity (could it be because I set up and paid my AmEx personal and biz plat cards last night?). I called to unlock and they asked for my business debit card number, which I gave them. Then they said they would send me a pin code via text; oops, the rep said she wasn't able to send a text to my phone (she didn't indicate why). She is now insisting that I visit a branch since I can't recall the pin code for my biz debit card (I don't even know if I set one up). I asked if we could use my personal debit card for verification, but she said it's not possible. She insisted that I go to a branch. I really hate when companies outsource their call centers (this CSR is located in India). She literally could not deviate from her limited script. I have now been on hold for over 15 minutes while I am transferred to a representative in the US to see if they can unlock my account.

Has anyone else had their accounts locked with a bank? I'm an outlier by age and I've never in my life had any of my accounts locked.

ETA: the CSR in the US was able to send me a text and verify my account (he has no idea why the CSR in the call center wasn't able to send me a text). He confirmed they locked my account because of the large payment to my AmEx biz plat. He asked me why I was paying such a large amount, to which I replied that I was paying my statement. He asked why my statement would be that much money. I told him I wasn't going to answer that question unless he gave me a valid reason why he needed to know, to which he replied "you are using our product to pay and we have a right to know". I told him that I disagreed with him, it's my money and no need for them to know how I'm spending it. He said they have every right to know when I'm using their product to pay (I don't agree with this -- if I was asking to borrow money, then yes they have a right to ask how how I'd be spending it, but not when it's my money!). He said if I didn't want to tell him why my bill was so high then I should use a third party to pay my statement. I am shocked that they think they have a right to question how I spend my money. At my outlier age, I don't feel the need to justify to anyone how I spend my money. Sheesh. I am seriously considering moving my accounts from Chase. He also said that the CSR in the outsourced call center shouldn't have been asking about my biz account since the issue was with my personal account. Rant over. Thanks for allowing me to vent!

Wow, how bizarre! I don’t blame you for being irritated. I would’ve told him something stupid like “I bought a plane” just to screw with him.

 

[mmmears]

Can I share my extreme frustration with Chase?

I tried to log into my account this morning and got a pop-up saying my account has been locked due to suspected fraudulent activity (could it be because I set up and paid my AmEx personal and biz plat cards last night?). I called to unlock and they asked for my business debit card number, which I gave them. Then they said they would send me a pin code via text; oops, the rep said she wasn't able to send a text to my phone (she didn't indicate why). She is now insisting that I visit a branch since I can't recall the pin code for my biz debit card (I don't even know if I set one up). I asked if we could use my personal debit card for verification, but she said it's not possible. She insisted that I go to a branch. I really hate when companies outsource their call centers (this CSR is located in India). She literally could not deviate from her limited script. I have now been on hold for over 15 minutes while I am transferred to a representative in the US to see if they can unlock my account.

Has anyone else had their accounts locked with a bank? I'm an outlier by age and I've never in my life had any of my accounts locked.

ETA: the CSR in the US was able to send me a text and verify my account (he has no idea why the CSR in the call center wasn't able to send me a text). He confirmed they locked my account because of the large payment to my AmEx biz plat. He asked me why I was paying such a large amount, to which I replied that I was paying my statement. He asked why my statement would be that much money. I told him I wasn't going to answer that question unless he gave me a valid reason why he needed to know, to which he replied "you are using our product to pay and we have a right to know". I told him that I disagreed with him, it's my money and no need for them to know how I'm spending it. He said they have every right to know when I'm using their product to pay (I don't agree with this -- if I was asking to borrow money, then yes they have a right to ask how how I'd be spending it, but not when it's my money!). He said if I didn't want to tell him why my bill was so high then I should use a third party to pay my statement. I am shocked that they think they have a right to question how I spend my money. At my outlier age, I don't feel the need to justify to anyone how I spend my money. Sheesh. I am seriously considering moving my accounts from Chase. He also said that the CSR in the outsourced call center shouldn't have been asking about my biz account since the issue was with my personal account. Rant over. Thanks for allowing me to vent!

DH hit his Biz Plat almost (but not quite) in one Plastiq check. We use a local credit union and he wasn't grilled about the bill. It's not the first time we had a high ccard bill but it was definitely above the norm. I don't blame you for being annoyed. I can see that at some point they might be concerned about something illegal, but that MSR isn't so high that it should sound off the alarm bells in my experience. Honestly, this summer's trip (if it happens) will be mostly one big bill so it's not unusual.

 

[Oscar Madison]

Made 3 small payments this past Sunday in quick succession on ATT wireless bill using the AMEX offer. $55 credit is already showing in my account.
I then ported all my numbers to Verizon and earned 4500 in SWRR.

 

[Haley R]

We had a weird experience at staples just now. We went to get disney gcs and visa gcs. Dh and I have always been able to get one visa each. The lady was adamant that it’s one per household and wasn’t going to let us each get one. Dh went and looked at the rack which said one per customer. She still wasn’t going to let us until another worker said if we’re using separate credit cards it shouldn’t be an issue. We were eventually able to get one each but that was kind of a headache