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

[Judique]

I have a question about Nov. and DVC. I am trying to decide my dates next fall to book for DVC. I am trying to decide between the weekend of Wine and Dine half marathon or the first weekend of Dec.
I would prefer the Nov. weekend to do the 10k but are people really thinking RunDisney is going to return in the fall? I kind of feel like Disney will be the last to bring back races and might just skip RunDisney until 2022 Marathon weekend. If there aren’t races, Id prefer to travel in Dec. to take advantage of a non race weekend trip.

If I were you and you don't have to do a points transfer such as borrowing, I'd start by booking race weekend now and keep an eye ear out for what's being said. You have a couple of weeks then to get your points moved to the early Dec time frame. There was still availability fully open at Saratoga, unlike what some of us are dealing with at BWV.

 

[disfanforlife]

We are BWV owners also...so far as long as we don’t want to book SV studios or 2br villas we have been fine booking at 11 months but with everything going on who knows

Last September, booking a 1 bed, standard view, was the first time I ever had an issue. I got stuck with walkers and had to wait a day and keep adding as the walkers dropped their days.

I know what you mean now, I do think I had to do that one year too.

As a solo I've mostly been doing standard view studios for F&W, and last November was the first time I've been shut out. But, got my nights one at a time, day by day. Looks like it will be the same this year. The big difference this year is all 3 room types are in play. I like the standard view for location - close to parking, plus I like the very end of the building with the back door to DHS right there, and the path to the bus stop going out the other way. Doesn't hurt that it's less points to combine with what I find convenient.

If you are doing a one bedroom, you won't have a problem, but if you want a studio you may want to take a look now.

People also may be trying to capture the weekend that usually has a race.

Combine this with a lot of people with extra points from cancelations and it's looking like a busy November and December, if things get back closer to normal by next fall.

I started a booking at BCV, but I don't have a lot of BCV points, but it won't hurt to have those nights if I get shut out of any BWV nights.

I do want to book a once bedroom and I am looking at November 10 or 11 for a week so maybe I should start now and walk it every day.

Since I have an October use year, walking gets started before my new use year points are available. I really think it's the possible race that's really triggered this as we've had early December people for many years, and although we would see the nights gone quickly, getting shut out and having to pick up a night at a time while walking behind wasn't an issue.

I see something is going on with Sept 30 and Oct 1st - both gone completely in studios, plus 1 bedroom standard and boardwalk view.

I have a September UY - we usually go in November and in March.

I have an October use year also I haven't looked this year as we dont have anything planned next fall. But I was shocked to have a problem for the first time last year,especially in a one bed. It was the final Illuminations, that might have been part of it.

I also have an October UY but that is with my AK points, I have had good luck using them at 7 months for March but always use my BW points for the fall trips.

 

[Judique]

I know what you mean now, I do think I had to do that one year too.

I do want to book a once bedroom and I am looking at November 10 or 11 for a week so maybe I should start now and walk it every day.

I have a September UY - we usually go in November and in March.

I also have an October UY but that is with my AK points, I have had good luck using them at 7 months for March but always use my BW points for the fall trips.

You should be able to get the one bedroom if you book at 8am, but it might be good to start now and walk if it doesn't pan out today or tomorrow. If you got a week today, you would be good to modify at your leisure in a week for the actual nights you want.

I'm slightly flexible, so long as I get my nights in before Thanksgiving 2021 - I have other plans for that.

 

[disfanforlife]

You should be able to get the one bedroom if you book at 8am, but it might be good to start now and walk if it doesn't pan out today or tomorrow. If you got a week today, you would be good to modify at your leisure in a week for the actual nights you want.

I'm slightly flexible, so long as I get my nights in before Thanksgiving 2021 - I have other plans for that.

Thanks, good advice. I am flexible too. But I don’t want to be there too close to Thanksgiving either.

 

[Judique]

Thanks, good advice. I am flexible too. But I don’t want to be there too close to Thanksgiving either.

I tried for the standard studio and didn't get it. I clicked at 8am and 1 second and it sent me back saying I was too early, and by the time I got back everything was gone. Oh well.

I did go ahead and book a garden view as it was still available when I clicked back in. Now I just have to modify it to whatever dates I want. I'll try again for the standard if it's there tomorrow. Thankfully I have enough points to carry several reservations. Standard 1 bedroom was still there but I passed on it.

And people hadn't dropped the standard studio nights for the last few days. Hopefully that will change after this weekend. In any case I'll have a studio.

 

[3 DD love princesses]

Just applied a couple of weeks ago. Understood that you have to wait a minimum of 30 days, but wasn't sure if most recommend to wait longer before reapplying.

I would wait 31 days. Are your credit limits good also?

 

[3 DD love princesses]

Sad about that AND sad to hear that someone returned them! I hope the kids like them OK.

Think they were returned for better price.

 

[FloridaNative8]

I have a question about Nov. and DVC. I am trying to decide my dates next fall to book for DVC. I am trying to decide between the weekend of Wine and Dine half marathon or the first weekend of Dec.
I would prefer the Nov. weekend to do the 10k but are people really thinking RunDisney is going to return in the fall? I kind of feel like Disney will be the last to bring back races and might just skip RunDisney until 2022 Marathon weekend. If there aren’t races, Id prefer to travel in Dec. to take advantage of a non race weekend trip.

They just did the Space Coast races in person this past weekend, and for now, Gasparilla Race Weekend is still planning to be in person as well. I think if those 2 are a success, there may be a tiny glimmer of hope for fall races to be non-virtual. But like you said, Disney will definitely err on the side of caution, so it's so hard to say!

 

[3 DD love princesses]

BUSINESS SUPPORT LINKS ARE BACK!!

You can pick from CIU, CIC or CIP!

Go figure Bc I just did 2 cards without

 

[3 DD love princesses]

I’m not sure I follow this fully. @ten6mom is PCing... not cancelling. The refund will just show under the card which will remain open with the same card number. (So not a “cancelled” card).

Also should note that if that spend was previously towards an MSR I’d do the right thing and replace it vs. asking for a check, it’s simply the right thing to do. If it was extra spend beyond MSR then you could replace the spend (buy things to offset the credit balance), transfer the credit balance to another card you are currently spending on, or request a refund of the credit balance to your bank account through whatever options are available.

Product changed a CIP to a cic and they refunded the af. I didn’t even ask they did it automatically

 

[3 DD love princesses]

Since I have an October use year, walking gets started before my new use year points are available. I really think it's the possible race that's really triggered this as we've had early December people for many years, and although we would see the nights gone quickly, getting shut out and having to pick up a night at a time while walking behind wasn't an issue.

I see something is going on with Sept 30 and Oct 1st - both gone completely in studios, plus 1 bedroom standard and boardwalk view.

50th anniversary had caused a lot to book.

 

[3 DD love princesses]

Talking about Chase, why does it take them so long to credit a payment to an account? I use my NFCU bill pay to send all my credit card payments, set the date for it to be sent, etc, and every other card issuer will acknowledge receipt of payment almost immediately. May not credit for another day or so, but at least they say they have it. I sent them an over 5K payment and still waiting for them to credit it on my Sapphire. That said, they did give me those points very quickly.

edit: they credited it sometime in the last hour, and then posted the annual fee.

I switched back to just paying chase and it posts the payments quicker. Funds still don’t come out from nfcu account for a few days after but the payments show on chase sooner plus available credit is immediate

 

[Judique]

I think I want to change my CIU into a CIC to take advantage of 5x at office supply stores when they have the visas with no fee.

I would then just use them at Costco, getting 5x UR's and the 2% on my membership. I could easily spend maybe $600 a month this way. That's better than using a 2% cash card. I know this is small potatoes for some of you, but I really don't want to get into juggling too many gift cards. I've done it in the past and still have random ones I'm gradually getting spent. Not visa's - more like restaurant cards. And I don't want to do the FD DG thing, although I know it's much faster to accrue that way.

Not planning on any new cards for a while. Although maybe I should look closer at some of the freedom flex benefits.

Another thing I was considering on the Amex side was a possible upgrade to the Platinum for a year. I would call and ask if there was any incentive for an upgrade. I've checked and can't get the higher bonus - haven't applied but fear pop ups.

 

[Judique]

I switched back to just paying chase and it posts the payments quicker. Funds still don’t come out from nfcu account for a few days after but the payments show on chase sooner plus available credit is immediate

Thankfully I don't need to worry about the credit. Basically I just get impatient watching for the payment to post. Payment wasn't even due until the 15th, so it's really just me wanting it to be instant.

 

[Haley R]

Yes, although I ended up waiting even longer so it would be after I had canceled another Biz card.

I’m not sure if we’ll try again but I want to make sure we wait awhile before we do. Dh just got a cc offer in the mail. I think it’s Bank of America but I need to check again. We just started getting random offers in the mail. Since we’re getting denied by Amex and chase we’ve been taking them

 

[Hoosier John]

Another thing I was considering on the Amex side was a possible upgrade to the Platinum for a year. I would call and ask if there was any incentive for an upgrade. I've checked and can't get the higher bonus - haven't applied but fear pop ups.

Try what I did here: Include as many of the following as you can: Incognito Edge browser (or different browsers), a different home address, using this PreQualified Link, with VPN running, at the top of an hour. I just tried it again and it showed a Platinum offer of 100k. I'm not sure when the pop-up occurs, because I've only ever applied for two Amex cards. But I feel like if they make the offer, you're good. My support on DISchurners was only showing 60k for me. Neither of these trials were incognito. Good Luck!

 

[hsmamato2]

Thanks for the tip about the AA 'gift'. Logged in this morning to both mine and DH's accounts and got 100 pts in each. Not much, BUT it resets the point expiration, and that is what was worth it to me!! Thank you!!

PS. I see DoC has it posted as well. Most everyone without status gets 100 points.

and just yesterday I bought something cheap thru the portal to reset my points....timing....I checked,and my account says I received bonus points,but didn't tell me how many......

 

[Judique]

Try what I did here: Include as many of the following as you can: Incognito Edge browser (or different browsers), a different home address, using this PreQualified Link, with VPN running, at the top of an hour. I just tried it again and it showed a Platinum offer of 100k. I'm not sure when the pop-up occurs, because I've only ever applied for two Amex cards. But I feel like if they make the offer, you're good. My support on DISchurners was only showing 60k for me. Neither of these trials were incognito. Good Luck!

Thanks! I'm kinda reluctant to apply actually - it's a hit to my 5/24, where as an upgrade wouldn't increase. I'm 2/24 right now, but I know how quickly I can change that.

My thought pattern is to let my Gold card go, get the plat with some 'upgrade offer' use it for a year and then downgrade again, or pick up a different MR card. A decent upgrade would make it closer to free. I got a Gold incentive last year so probably wouldn't get one this year.

I went almost 2 years at 7/24 until I finally got below 5 and I won't try that again. Saw so many great deals fly by me - sippy, gravy, and I couldn't do nothing as I had tied my hands.

 

[hsmamato2]

Well the time I have been dreading may have arrived. Dd texted me last night saying that she can't go to London, the Maldives, Singapore and Dubai in May because she has a computer science course that runs from May to August. I am almost certain that it's online, so I'm not sure why she can't study while we are away (though it would be hard to study in London, Singapore and Dubai where we will have daily activities). I will have to talk with her live about this when she comes home in a few weeks. I'd be willing to trim the trip back a bit by removing Sinapore and Dubai if necessary. The WA Maldives was so hard to get for 9 nights and I don't realistically think I'd be able to get it on points again (they are only releasing rooms in 4 night blocks now and have been for some time). Edited: she said she will have live tutorials and due to time differences it wouldn't work

Enjoy traveling with your young ones while you can. Time goes by too quickly...far too quickly.

I'm now thinking that I will go to Vienna and possibly Florence next December to visit some Christmas markets and maybe attend a Viennese waltz (this is on my bucket list and has been since I learned {and fell in love} with the Viennese waltz last time I was in Vienna).

I feel ya'..... it's tough when our kiddos,our wonderful travel companions grow up and get their own lives and schedules.... for me, this year marked a big trip for me and DH alone,which would have been a BIG first..... we were supposed to be cruising this past October, turns out between Covid and the worst hurricane season on record, none of it was happening anyway.... Both of mine are adults,and while they enjoy family time,their own schedules rarely permit family vacations anymore..... enjoy it while you've got them folks...

 

[becauseimnew]

Help me decide, DH's Amex Green AF will post later this month. We don't need any of the benefits on that card so I don't want to keep it, but I need something to keep his MRs. Any good options? Would prefer a card with no AF, what is our best option? I'm going to try for a retention offer, but want to have a backup plan.