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

[Minnie368]

Ok so I went to load one of my Staples VGC to serve and it was declined. I logged on to the giftcard site to see what was up and someone made two purchases with the gift card leaving my balance at $0.39. Has anyone ever had this happen before? It looks like I need to file a dispute on the giftcard website. I did register the card when I got it, so hopefully that will help. One of the charges was at target.com and the other was Taylor Swift Shop. The target charge had a phone number in the purchase details. I called that number and they were no help- just advised me to file a dispute with Visa...

 

[hsmamato2]

More info here

https://mastercardcontentexchange.c...ortunities-for-freedom-unlimited-cardmembers/
Of note:
Cardmembers earn cash back on:

• 5% on Bonus Quarterly Categories – Each quarter they activate, cardmembers will receive 5% cash back on up to $1,500 in combined purchases on bonus categories such as grocery stores, select streaming services and many others.
• 5% on Travel purchased through Chase Ultimate Rewards, including vacation and car rentals.
• 3% on Dining purchases, including take out or eligible delivery services.
• 3% on Drugstore purchases on daily essentials like medicine, toiletries, diapers and other items.
• 1% unlimited cash back on all other purchases.

Ok, after looking at the TPG article, they suggest that No, can't double dip CF and CFF.

"Flex is considered a different product from Freedom Unlimited, so customers with that latter card will also be eligible for a welcome bonus with Flex. The same does not apply to existing Freedom cardholders, unfortunately — if you’ve already earned a bonus for that card, your best bet is to call in for a product change to Flex instead."

Since I never earned a "bonus" on my CF I had always planned to pick it up again at some point just for the bonus. Sounds like I won't be able to hold a CF and apply for a CFFlex. Other than it's a Visa card, off hand I can't think of why I'd want to hang onto it. Will have to think on this more as more info comes out.

I'm really curious about this... so If I have a CFU, and 2 freedoms(one from a pc) that are older than 2-4 years,can I app again for the Flex? or not allowed to hold that many? That has great uses

 

[hsmamato2]

I had not, but I am chatting with them now. Thank you for the suggestion.

I don't usually have issues with anything I get from Amazon, so this is a first. I even succesfully received the Agents of SHIELD poster that I ordered from China (with zero reviews... I NEVER do that!) and it's exactly as described and of pretty good quality! So this is definitely weird for me.

On another note, we took a short trip to Durango this past weekend. I had forgotten that I had attached a Starbucks offer to my BBP, so I "redeemed" that offer, plus a couple more of those $5 small business purchases credited, which was nice.

Honestly,Amazon has never ever let me down on customer service. It's one reason I choose to buy thru them if I can,esp. big purchases. (two this week!)

 

[LilSweetPeaPhoto]

When are you closing? I have had 3 loans this week change loan amounts, one of them after the closing disclosure was signed, to avoid cash to close.

Closing TBD. But soon. Fun is, my mortgage is about to pay for September AND my taxes. So I have all that money I have to prepay and then likely get back in god knows how long. That's why I need so much to close. He's like well, you'll get it back. Yeah, that's great but ummmm, how long! And it's lucky I have that kinda money in the bank!

I have a question about cc cellphone insurance..... we have it on the CIP,looks like it's coming on the new flex also. Does this count if you buy a phone outright,vs. paying monthly with a plan? my Ds needs a new (refurb) phone,and uses mvno for service... would that outright purchase be covered with CIP?

I used the insurance on my IHG card. You just have to prove you paid your LAST bill with it. Doesn't even have to be all the bills. I bought the phones on my AA Citi Biz card, but pay the monthly with the Chase IHG. Now I think the Barclay Aviator offers the coverage too. Would make sense, it's a MC. This clearly is a MC offer.

Thank you so much!!! Will take care of this this morning.

Today is my parents’ 58th anniversary. Weather here is unreal. And this is my view of little traverse bay. Don’t think I realized how much the kids and I needed a break. View attachment 523111

Welcome to my state, LOL. The BF and I are heading to TC in 2 weeks I think. I can't wait. I've been wanting to hit the wineries. I've been DYING to see Bonobo....Love me some Carter Oosterhouse, LOL.

 

[pinkxray]

Recently someone mentioned about changes with Dosh? I forgot I even had an acct. Do I need to do something to avoid fees?

 

[needsomesun]

My points saga of the day, with a happy ending:

Booked POR about a year ago for thanksgiving week, on AA miles. Now POR is not going to be open. Called disney to switch and they said that they couldn't help me because it was booked through AA. Called AA and they could refund the points without a fee, but couldn't change resorts. So I resigned myself to probably visiting universal instead (which I was actually fine with). But emailed Disney guest relations and they called back today saying that they were moving us to Saratoga Springs 2 bedroom. Woo-hoo! I know nothing about the resort, but I'm just happy we have 2 bedrooms because 5 people (3 of them teens) in one room gets a bit squishy Still deciding on whether or not to go to the parks that week...

 

[LilSweetPeaPhoto]

I'm really curious about this... so If I have a CFU, and 2 freedoms(one from a pc) that are older than 2-4 years,can I app again for the Flex? or not allowed to hold that many? That has great uses

I'm curious too. I PC to the Freedom from the Slate. So I never earned a SUB. Would that mean I can earn one from the FFlex? I think next up on my card is the free IHG though. But maybe I'll give the Barclay Biz one more attempt, since I haven't done any cards in awhile. Maybe I can FINALLY get that one approved. If not, it doesn't hurt me going after my Chase cards right? I'm under 5/24. In fact I'm about to be 3/24 next month! WOW! LOL.

 

[hsmamato2]

I'm really curious about this... so If I have a CFU, and 2 freedoms(one from a pc) that are older than 2-4 years,can I app again for the Flex? or not allowed to hold that many? That has great uses

So my original thoughts were this (in November) I have a CSR, plus the 2 freedoms and a FU.... I was going to PC the CSR to a freedom,and APP for CSP at that point(it's been over 48 by then).... should I just PC the CSR to the new flex at that point? And I'm thinking since the CSP and CIP have the same benefits re: the portal/travel etc... I'd rather keep a CSP than CIp in the long run..... is this still a sound plan?

 

[focusondisney]

Anyone had any problems with Chase SW points being posted lately? I have over 5900 points this month. My statement closed Aug 27 & the points aren‘t showing on my SW account yet. Seems like they usually post the next day so I’m starting to wonder what’s up. After this I will be only 500 points away from a companion pass, so I want everything to go smoothly.

 

[happ]

Ok so I went to load one of my Staples VGC to serve and it was declined. I logged on to the giftcard site to see what was up and someone made two purchases with the gift card leaving my balance at $0.39. Has anyone ever had this happen before? It looks like I need to file a dispute on the giftcard website. I did register the card when I got it, so hopefully that will help. One of the charges was at target.com and the other was Taylor Swift Shop. The target charge had a phone number in the purchase details. I called that number and they were no help- just advised me to file a dispute with Visa...

This happened to me once with a Staples MC. I checked my balance online and saw several fraudulent charges to a store in another state. I called the MC number and disputed it. They sent me a new card with the correct balance.

Recently someone mentioned about changes with Dosh? I forgot I even had an acct. Do I need to do something to avoid fees?

Just put some activity on your account every 365 days.

 

[SouthFayetteFan]

For those thinking about trying for a bonus on the new CFF card - I think we're just going to have watch and see what happens here. Existing CF cards will likely be PCed to CFF, but who knows how quickly that will happen. Until we actually see an application link, it's hard to say what the bonus restrictions would be so I'd just wait and plan then. Worst case, you might have to PC existing CF or CFU cards to something else to let you apply. BUT I'm not saying to do anything now...just wait!

 

[Psychodisney]

Nice face covering changes by SW. I got my "ready to fly" email for our flight tomorrow.
"In accordance with the current CDC guidance, a well-secured cloth or mask that fits snugly against the face, covers an individual’s nose and mouth, and is secured under the chin will be accepted. In alignment with the intention of this policy, these are a few examples of coverings that will not be accepted: (1)Those with holes in the covering, including those with exhalation valves or those made solely of materials like mesh or lace fabrics and (2)Those that cannot be secured under the chin, including bandanas and face shields. Face shields may be worn in addition to face coverings, but not in place of face coverings. Neck gaiters (also called multi-bands) may be worn as face coverings so long as they cover the nose and mouth and are secured under the chin."
I wish they would say no gaiters too. Now hoping it gets enforced.

 

[palhockeymomof2]

For those thinking about trying for a bonus on the new CFF card - I think we're just going to have watch and see what happens here. Existing CF cards will likely be PCed to CFF, but who knows how quickly that will happen. Until we actually see an application link, it's hard to say what the bonus restrictions would be so I'd just wait and plan then. Worst case, you might have to PC existing CF or CFU cards to something else to let you apply. BUT I'm not saying to do anything now...just wait!

I am trying to decide if DH should apply for a CF now since he has never had one, last credit card application was 12/19...but he has two credit inquiries In July from a car lease. frustrating since both the dealer and Hyundai finance did one on the same lease and they wouldn’t take one off

 

[Disneyonmymind]

I just figured out I need to buy a macbook and I thought I would post here to see if anyone knows of any type of benefit, portal, point bonus, offer ,etc that I should look into. So far, I see the Apple website has good deals right now. I wish I had an MSR to absorb the purchase price but, alas, I do not.

 

[Haley R]

I was planning on applying for a CF but I did the MDD in March so I’ve been waiting. Not sure what my plan is now

 

[magickingdomprincess]

I was thinking a long weekend at the royal pacific and buying an AP for the rate and to be used later and just staying at the pool and hopping to Harry Potter attractions

We stayed at HRH for 4 nights at the end of July/early Aug and had a great time! It was at the end of a 11 day vacation so the kids were kind of worn out, so I ended up walking back over to IoA by myself in the afternoons and riding Hagrid's/FJ over and over. It was our first trip to ride Hagrids and I LOVED it! My new favorite!

 

[platamama]

I just figured out I need to buy a macbook and I thought I would post here to see if anyone knows of any type of benefit, portal, point bonus, offer ,etc that I should look into. So far, I see the Apple website has good deals right now. I wish I had an MSR to absorb the purchase price but, alas, I do not.

I see 4% cash back at Active Junky. I've used that portal before with success (a different store, not Apple).

 

[becauseimnew]

I need help with my next card. We have about $9K in home updates we'll be doing this month. I really don't want to spend all this money without an MSR.
Option 1: Amex Gold for myself that will put me at 4/24, but I would like to do a MDD for 2 SW cards in 2021. Should I just stay at 3/24, not risk the MDD at 4/24?
Option 2: DH is at 3/24, with a cards dropping in November. I was thinking he could apply for the Chase United Card and the Amex Gold, those 2 would put him at 5/24 until the end of the year.

The 3rd option is just to use my Hyatt card and earn an extra certificate.

ummm... so none of these 3 options happened. I logged into my Amex account and had a pop-up 20K MRs w/$5K MSR for BBP, I applied thinking I would get the dreaded AMex pop-up but I didn't. Also noticed the fee for my Amex BGR posted. It's been good to me, but I think it's time to let it go.

 

[palhockeymomof2]

I was planning on applying for a CF but I did the MDD in March so I’ve been waiting. Not sure what my plan is now

Think since the CF is going away DH will try for it on Friday, if the application is still live. We PC’d a CF(that was originally a CSP)to a CFU on Monday and it immediately changed to the CFU online but still want to give it a few days.

 

[KPK02090]

Pretty sure I know the answer to this one, but I just need confirmation before pulling the trigger... the AF just posted on my SW biz card and I’m planning to cancel it. I won’t hold any SW cards after cancelling. My SW rapid reward points will still be there, right? I don’t have to have a SW card to hold onto the points. I’m terrified of accidentally doing something and losing all my points.