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

[FloridaNative8]

Hello!!

Does anyone have experience with getting AA miles refunded? I redeemed AA miles to book a room at the Dolphin (through useaamiles.com), checking in on 3/19, and another at the Swan for a family member, checking in on 3/21. I know the cancellation policies are outlined on the reservation (cancel 5 days prior), the Dolphin room was a refundable rate, the Swan was non-refundable. However, on 3/13, Marriott sent out an email that the restrictions were eased considerably for all rate types.

I called and cancelled both rooms on 3/17. and was told they'd both need to be escalated. I received an email cancellation for the Dolphin, not the Swan. I called about 2 weeks later, since no points had been returned. They said it may take 30 days. Okay - I can be patient.

I received an email last night indicating that Marriott had refused to refund the money/points, since I didn't cancel by the 12th?? I called this morning to dispute, letting them know the Dolphin wasn't even open during my scheduled check-in (they closed on 3/17), and that the penalties had been eased. Their response was, sorry, that's what the hotel said. I asked if it was AA's refusal or Marriott's - they blamed it on Marriott.

I called Marriott, who confirmed what I knew - I should be refunded in full. I was well within the 24 hours for both reservations, and they had removed penalties during this time.

Any advice? I know in the grand scheme of things, and in light of what people are going through, 100K AA points are really nothing to be too upset over. We are fortunate that both DH and I are working and busier than ever, we're healthy, and have no complaints. We may have to postpone our July Disneyland trip (which was the reason I joined this hobby and board!), but we are okay with that. This just isn't sitting well with me, with the misinformation I've been given.

 

[Haley R]

New ways to use your Capital Ones points, same redemption value as for travel.

https://www.doctorofcredit.com/capi...very-takeout-streaming-services-1¢-per-point/

Someone else recently posted that as well. Unfortunately, we won’t use any of those categories. The only streaming service we have is disney + which is paid for for 3 years and we aren’t doing any food unless cooked at home. We’ll probably just hold onto the points for now

 

[wanderlust7]

Someone else recently posted that as well. Unfortunately, we won’t use any of those categories. The only streaming service we have is disney + which is paid for for 3 years and we aren’t doing any food unless cooked at home. We’ll probably just hold onto the points for now

Oops, guess I missed that!

 

[mom2elal]

It just means that they will add 25K to your CP ticker, not give you the 25K miles.It just means you'll only need 100K miles to earn the CP this year instead of the 125K

Should those 25k points be showing in our ticker already? Ours aren't.

 

[mom2elal]

So cool! I'm not sure if I've shared this story here before, but we downsized last year and got rid of a ton of stuff--literally over 50 pieces of furniture and 75% or more of our household items. I was ruthless (it feels *so* good BTW).

We basically did a combo of charity donations, consignments, eBay, craig's list, and auctions to get rid of things. It was enlightening on many levels.

To summarize my experience: people don't want your stuff and getting rid of things is a ton of effort--and I'm including donations in this. Goodwill and Salvation army won't take a lot of things! If the stuff is nice, consignment is the best. Ebay was one of my worst experiences (fraud issues that favor the buyer and lots of weird people) and auctions should be a last ditch effort. One of the big surprises was Craig's list. If I could do it over again, I'd probably start there with anything that couldn't be consigned. And of all our things, do you know what got the best return on the dollar (hint: it wasn't china or silver, which was worth almost nothing or even my expensive designer bags and purses which did pretty well)? It was DD20s huge sets of legos. She has always loved legos and we usually got her one of the big/expensive sets for her birthday and/or Christmas. She had a bunch of them. They all got us near close to the original purchase price and some were over on Craig's list. Crazy! We dealt with the security issue on Craig's list by using DH's business as our meeting place. But he actually said everyone he dealt with was awesome.

We have some Duplo Legos to sell that they don't make anymore (Thomas) and I don't want to deal with Ebay, so that's good to hear about Craiglist! How did you decide what price to list them at?

 

[becauseimnew]

Should those 25k points be showing in our ticker already? Ours aren't.

It didn't say when they would show up, ours aren't showing yet.

 

[amcc]

I've had a $5 Chase offer where the little graphic is Prime Video but the description talks about joining Prime. Has any used this to rent or buy something on Amazon video and gotten the credit? Prime shows options to rent or buy - I find their interface clunky on a good day. It would be good to use towards a movie rental.

 

[palhockeymomof2]

Should those 25k points be showing in our ticker already? Ours aren't.

Mine aren’t either

 

[WVMomof3]

Check your Dosh. Mine is showing a per day limit back for Sams instead of the Lifetime language. I have 3% limit $10 per day. Let’s hope it stays for awhile.

 

[Disneyonmymind]

On my cc statement, I just received a credit from College Board for the March SAT exam that was cancelled, then rescheduled for June, and then cancelled - indefinitely. At this point, they don't know when they will schedule another test date. For 2021 grads, colleges may need to accept applications without SAT scores.

 

[havaneselover]

On my cc statement, I just received a credit from College Board for the March SAT exam that was cancelled, then rescheduled for June, and then cancelled - indefinitely. At this point, they don't know when they will schedule another test date. For 2021 grads, colleges may need to accept applications without SAT scores.

I got my refund too. I am hoping they will start again in August but they mentioned the possibility of taking them at home like they are doing with AP tests. DD has taken them once and her scores were good but she probably could add another 50-100 points based on the practice tests she is taking.

 

[GusGus16]

I’m in a similar situation with the Brilliant If we downgrade now, we lose out on the FN certificate, correct? I’m thinking of waiting until the FN posts, then downgrading.

Yes you will not earn the FN cert as this will likely not post for 6-8 weeks. I would be hesitant to await the FN cert posting and then ask for the prorated annual fee, but I have no first hand knowledge. I thought there was a post on Reddit about it, but I can't locate that. Can anyone else point to that post on Reddit or give some more guidance?

 

[georgina]

So cool! I'm not sure if I've shared this story here before, but we downsized last year and got rid of a ton of stuff--literally over 50 pieces of furniture and 75% or more of our household items. I was ruthless (it feels *so* good BTW).

We basically did a combo of charity donations, consignments, eBay, craig's list, and auctions to get rid of things. It was enlightening on many levels.

To summarize my experience: people don't want your stuff and getting rid of things is a ton of effort--and I'm including donations in this. Goodwill and Salvation army won't take a lot of things! If the stuff is nice, consignment is the best. Ebay was one of my worst experiences (fraud issues that favor the buyer and lots of weird people) and auctions should be a last ditch effort. One of the big surprises was Craig's list. If I could do it over again, I'd probably start there with anything that couldn't be consigned. And of all our things, do you know what got the best return on the dollar (hint: it wasn't china or silver, which was worth almost nothing or even my expensive designer bags and purses which did pretty well)? It was DD20s huge sets of legos. She has always loved legos and we usually got her one of the big/expensive sets for her birthday and/or Christmas. She had a bunch of them. They all got us near close to the original purchase price and some were over on Craig's list. Crazy! We dealt with the security issue on Craig's list by using DH's business as our meeting place. But he actually said everyone he dealt with was awesome.

We have had luck getting rid of stuff on a neighborhood facebook page. When DH first joined and posted a lisitng (this was something he just wanted to give away) they took a couple of days to approve the post so we know someone is moderating it.

 

[CaliforniaGirl09]

We have some Duplo Legos to sell that they don't make anymore (Thomas) and I don't want to deal with Ebay, so that's good to hear about Craiglist! How did you decide what price to list them at?

I used both ebay and Craig's list for pricing. There is quite a robust resale market on Craig's list where we live in the SF Bay Area so that was nice. I priced on the high end since her sets were pristine with the boxes. They'd only been put together and displayed. People like to bargain so leave some wiggle room, but on some we were firm where I was confident of what they were worth. We did cash only also, BTW.

 

[CaliforniaGirl09]

We have had luck getting rid of stuff on a neighborhood facebook page. When DH first joined and posted a lisitng (this was something he just wanted to give away) they took a couple of days to approve the post so we know someone is moderating it.

I thought about trying that, too, but I didn't want to deal/bargain with potentially anyone I knew so I liked the idea of Craig's list where the buyers/sellers are a little more anonymous. One of my friends uses her neighborhood group a lot for old kids stuff. The other thing we did with stuff like bed frames/desks/etc. that Goodwill/Salvation army wouldn't take (who knew?) was put them out on our street with a sign that said "free." People took everything.

 

[Samson7256]

Me too. Mine opened 3/25. DH 4/1. I received the email but he did not.

That happens to me all the time. No need to worry specifically. If your CLs are within the recommendations, it should be fine. It may take a little longer to approve just due to all the other things happening.

Per data points on Reddit, beginning yesterday Chase seems to be tightening the reins on business card applications, particularly sole props. There have been several denials for reasons that seem to be rather new from Chase. Perhaps due to Covid19 they are no leery to approve credit cards to small businesses.

 

[elgerber]

Per data points on Reddit, beginning yesterday Chase seems to be tightening the reins on business card applications, particularly sole props. There have been several denials for reasons that seem to be rather new from Chase. Perhaps due to Covid19 they are no leery to approve credit cards to small businesses.

Figures, I was going to apply for one next week :-(

 

[punkin]

Per data points on Reddit, beginning yesterday Chase seems to be tightening the reins on business card applications, particularly sole props. There have been several denials for reasons that seem to be rather new from Chase. Perhaps due to Covid19 they are no leery to approve credit cards to small businesses.

This is not good news.

 

[georgina]

Chase seems to be really slow processing refunds/credit. I've been waiting 2 weeks for a credit to show up. The refund was processed, I received a paper check for the part that was deposited over a year ago, and am supposed to get a credit for the part that was paid more recently. We have worked with the travel company before and I trust that she submitted the credit, but it has not shown up! Also waiting for one from UT for a ticket, I'm sure that is slow going, but it has been 2 weeks also. (Same CSR used for both)

 

[thevalley]

Hello all. I hope all is well with everyone. I’ve got a question about this new chase requirements. If you apply and get denied, does that hurt you? I’ve never been denied before and dw was going to apply tonight. I just don’t want to get banned or have it go against us. Thanks