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

[mmmears]

It's been a week since I asked Chase to close my CIP. And I have heard nothing whatsoever. I'm getting concerned. Any credit card advice?

 

[PolyRob]

I have splurged on some things from Walmart with my stimulus money...

- 24 ct AA batteries

- new rechargeable wii battery packs (my daughter and I enjoy playing Mario kart)

- Harry Potter and the Deathly Hallows part 1 and 2 (we don’t have these and need them to complete our HP marathon in a few days).

And the fact that this $55 purchase was “splurging” probably tells you a lot about how cheap I am

HAHAHAHA $55 "splurge!?" I love it. I spent more than that on masks recently! My latest "splurge" was Away luggage above what my Green credit covered. Can't wait to use it when I travel next...


(Actual footage of me traveling with my new luggage)

 

[PolyRob]

Question: for anyone that got Animal Crossing for Switch, is it a fun game for a 30-something that never played? I see everyone raving about it, but I never played it before. I do enjoy games such as Mario Kart, Zelda Breath of the Wild, Super Mario Odyssey, Just Dance, Super Smash Bros., etc. I think I'd probably like it, I just know nothing about it. To keep on topic, it would help me meet MSR... lol

I love Animal Crossing! I played the original version for GameCube so nostalgia probably has something to do with it, but I find it to be so much fun. I am kicking myself that I did not pre-order the AC Switch console when I had it in my BestBuy cart. I have the OG Switch and figured there was no need. I see how cute it is online and it tempts me (NOT for $700 from a reseller tho LOL). If its ever too slow you can always "cheat" and time travel. There are some negative effects like neighbors moving away and weeds popping up, but people do it to see all the game has to offer very quickly.

 

[PolyRob]

It's been a week since I asked Chase to close my CIP. And I have heard nothing whatsoever. I'm getting concerned. Any credit card advice?

Wow, that long? I want to lower the CL on a card and may just suck it up and call tomorrow. I have an early meeting so I can switch gears after that. What an exciting morning!

 

[mmmears]

Wow, that long? I want to lower the CL on a card and may just suck it up and call tomorrow. I have an early meeting so I can switch gears after that. What an exciting morning!

Yeah, I knew it would take a while, but at this rate I'm getting worried they are going to end up billing me for that AF. I really didn't want to call (for complicated CIP reasons), and I know they are busy, but this is an easy request and they aren't even bothering to read the SM.

 

[wendow]

Yeah, I knew it would take a while, but at this rate I'm getting worried they are going to end up billing me for that AF. I really didn't want to call (for complicated CIP reasons), and I know they are busy, but this is an easy request and they aren't even bothering to read the SM.

It took 6 days from me to hear back (and that was about a week ago) regarding a CIP closure. Sure enough, the AF posted in the meantime so I messaged them last night to ask for a check for the refund. Guessing it will be awhile til I hear back again...

 

[wendow]

ALL these Chase MSR extensions and I am sitting here with my new Explorer card and didn't get it!

Right! I got a CIP in early April and I didn't get the extension. I don't understand why the extension is only for cards through end of March. Not like things got any better on Apr 1

 

[SouthFayetteFan]

Right! I got a CIP in early April and I didn't get the extension. I don't understand why the extension is only for cards through end of March. Not like things got any better on Apr 1

The theory might be that this was a "known" condition by April 1st. I also applied on April 1st but I don't need an extension... I mean, if I take more than 3 months to meet the MSR how will I get a new card in 3 months??

 

[wendow]

The theory might be that this was a "known" condition by April 1st. I also applied on April 1st but I don't need an extension... I mean, if I take more than 3 months to meet the MSR how will I get a new card in 3 months??

But what if you lost your job on Apr 2...? I may have to get creative. I'm still only halfway through dd's CIP and we just aren't spending as much, try as I might lol.

 

[SouthFayetteFan]

But what if you lost your job on Apr 2...? I may have to get creative. I'm still only halfway through dd's CIP and we just aren't spending as much, try as I might lol.

Oh c'mon - we both know how lenient Chase is with what counts towards MSR HAHA!!! Lots of ways to make that happen lol!

Weird situation though...this is a business card, used for business spend...so you really can't "lose your job", LOL!! It would make for an interesting conversation if you request an extension with Chase. I bet they'd grant it on a one-off basis and maybe they'll revise their position if things continue to be shutdown into May

 

[PolyRob]

Right! I got a CIP in early April and I didn't get the extension. I don't understand why the extension is only for cards through end of March. Not like things got any better on Apr 1

I was 4/2!!! I should be ok without the extension, but I agree. It would be nice to see it happen.

The theory might be that this was a "known" condition by April 1st. I also applied on April 1st but I don't need an extension... I mean, if I take more than 3 months to meet the MSR how will I get a new card in 3 months??

Interesting. I guess we know what we signed up for vs having something ripped out from underneath us.

But what if you lost your job on Apr 2...? I may have to get creative. I'm still only halfway through dd's CIP and we just aren't spending as much, try as I might lol.

Very good point! My default for extra MSR was always Disney GCs. Considering I have 5k right now and future travel is up in the air, I don't think I need to tie up anymore money in Disney GCs

 

[wendow]

I was 4/2!!! I should be ok without the extension, but I agree. It would be nice to see it happen.

Interesting. I guess we know what we signed up for vs having something ripped out from underneath us.

Very good point! My default for extra MSR was always Disney GCs. Considering I have 5k right now and future travel is up in the air, I don't think I need to tie up anymore money in Disney GCs

I was 4/2 as well And many of us are spending less, including small business owners (maybe even more so them ...). I hope to not need an extension but I wouldn't hesitate to ask Chase for one if I end up needing more time. Pretty sure they would be willing to work with people.

 

[PolyRob]

I was 4/2 as well And many of us are spending less, including small business owners (maybe even more so them ...). I hope to not need an extension but I wouldn't hesitate to ask Chase for one if I end up needing more time. Pretty sure they would be willing to work with people.

That is always something to consider! I would hope Chase would be understanding.

 

[PolyRob]

Just snagged one of these!

https://www.doctorofcredit.com/walm...for-3-97-limit-1-5-99-shipping-or-35-minimum/

 

[Artygal90]

Ok I have an actual semi-emergency credit card question. We realized tonight that one of our cats was pretty sick and took him to the emergency vet. It turned out to be a partial intestinal obstruction. If surgery is needed we'll know some time tomorrow and it could cost up to $3000. I got a new CIP but already shredded the paperwork it came with that has the link to verify receipt of a new card. We don't have to formally activate a new card to use it, correct? I remember some discussion on that happening earlier this week but forgot what the final verdict was!

 

[SouthFayetteFan]

Ok I have an actual semi-emergency credit card question. We realized tonight that one of our cats was pretty sick and took him to the emergency vet. It turned out to be a partial intestinal obstruction. If surgery is needed we'll know some time tomorrow and it could cost up to $3000. I got a new CIP but already shredded the paperwork it came with that has the link to verify receipt of a new card. We don't have to formally activate a new card to use it, correct? I remember some discussion on that happening earlier this week but forgot what the final verdict was!

I rarely activate my cards and never have any issues.

Sorry about your cat though . Hope everything works out ok!!

 

[CaliforniaGirl09]

Same here. IRS “tool” appears to be completely useless....

Good to know it wasn’t just us!

 

[Artygal90]

I rarely activate my cards and never have any issues.

Sorry about your cat though . Hope everything works out ok!!

Thank you. That’s what I thought but wanted to be sure. I hope he’s ok too - he’s a former stray so he’s pretty resilient. The big dummy ate a couple of jumbo rubber bands when he got into the study during DH’s work meeting and was allowed to stay because of the cuteness. Most expensive Zoom pet cameo ever!

 

[PolyRob]

Ok I have an actual semi-emergency credit card question. We realized tonight that one of our cats was pretty sick and took him to the emergency vet. It turned out to be a partial intestinal obstruction. If surgery is needed we'll know some time tomorrow and it could cost up to $3000. I got a new CIP but already shredded the paperwork it came with that has the link to verify receipt of a new card. We don't have to formally activate a new card to use it, correct? I remember some discussion on that happening earlier this week but forgot what the final verdict was!

I am so sorry about your cat! Hope he is doing better!

I always activate my cards, but generic links are usually provided. Chase is just chase.com/verifycard and it asks you to log-in with your account credentials. Then it shows the last 4 digits of the card you were sent and also asks if you want to activate employee card(s) at the same time. No need for the paperwork or sticker on the card. Good luck!

 

[hsmamato2]

Several of us have posted about the joys of cancelling this in the last day or so LOL. My fee had posted, and it has now been credited back for a balance of zero. Doesn't say closed, but says restricted. Since the fee was removed I am assuming it was cancelled.

OMG..... I JUST realized I needed to check DH's account that he called to close on April 2..... it says closed, but we still owe the AF???? I sent a SM, but I can't call until DH is home (oh boy) will this fee drop off?