I love credit cards so much! v4.0 - 2021 (see first page for add'l details)

[AmyAnne]

I just cancelled my Aspire (something that I never thought I'd do). I couldn't justify the AF on the card, especially since I most likely won't be able to use either the $250.00 resort credit or the $200.00 airline credit. My plan is to eventually apply for the Surpass and hope for an upgrade offer to the Aspire and get the card again. I have 3 FNCs that I will most likely not be able to use (unless HIlton extends the expiry date past August 31st, 2021) and I haven't stayed at a Hilton since holding the card (Marriott seems to be my go to). For fun I searched which Cdn properties would trigger the resort credit and there were only 3: Whistler, BC (I prefer either the Westin or the FS), one in Quebec City (but outside of the main tourist area) and a hotel in Niagara Falls (which holds no interest to me).

The CSR was trying to talk me into the no AF card, saying "it was the most beneficial thing to do for cardmembers". Umm, I don't see it that way since I wouldn't be eligible for the SUB in the future.

Perhaps an AmEx Rose Gold is in my future (as long as I'm not locked out of the SUB and not in AmEx 'jail', which I might be since I have cancelled 3 AmEx cards since March, 2020).

I just downgraded my Aspire to the no-fee card (I've had the card before so not sacrificing the SUB). Fortunately it was a short call because what could the CSR say to "we aren't planning to travel at all this year"? Hopefully that won't turn out to be true, although at the moment I have no actual plans.

 

[Crazed4DisneyinSC]

He has! Especially in strength. He is quite the little jumper! I think your Boston terrier and him share a lot of similar qualities. I just hope yours is less gassy!

Haha, definitely nope! We couldn’t be so lucky, lol. We have a slow feeder bowl that does help a little. But not enough!

 

[wanderlust7]

What kind of CL do people typically see for the Amex Biz plat? Is there any spacing I should be aware of with Amex; I believe both myself and P2 got Amex personal cards in the last 90 days.

Amex has 1 in 5 days and 2 in 90 days rules, but they only apply to their credit cards. The plat and biz plat are charge cards, so you're good to go. Before you make the tax payment, you can check your spending power online. But I don't think it'll be a problem.

Chase has tightened up approvals and CL, but Amex is business as usual. If you get a Chase biz card and get a low CL, it's possible to move some from another biz card (but not from personal).

 

[Haley R]

We took ds to the beach today and saw a Disney ship out! It made us miss our first cruise we did for our babymoon. We don’t travel right now so it’s nice being so close to the beach! Dh took a pic of the ship but it’s too grainy to really tell. Of course I have to share pics of ds because that’s my thing

 

[WVMomof3]

With all the dog (and baby) pics, how about a kitty pic. DD made me a grandma. . Though I’m not sure if this means
A. She has given up on Rwanda and the Peace Corp ever starting back up or
B. I will be the new owner of a cat soon.

 

[SouthFayetteFan]

With all the dog (and baby) pics, how about a kitty pic. DD made me a grandma. . Though I’m not sure if this means
A. She has given up on Rwanda and the Peace Corp ever starting back up or
B. I will be the new owner of a cat soon.


View attachment 554897

Option B made me

 

[Alexle2007]

With all the dog (and baby) pics, how about a kitty pic. DD made me a grandma. . Though I’m not sure if this means
A. She has given up on Rwanda and the Peace Corp ever starting back up or
B. I will be the new owner of a cat soon.


View attachment 554897

My money is on B. Hope you are a cat person.

 

[elgerber]

My son made us grandparents too last month. Not sure we will ever have human grandkids but our granddog is adorable!

 

[elgerber]

My money is on B. Hope you are a cat person.

My money is on B also

 

[punkin]

Ok...one more...

 

[snugglebug]

With all the dog (and baby) pics, how about a kitty pic. DD made me a grandma. . Though I’m not sure if this means
A. She has given up on Rwanda and the Peace Corp ever starting back up or
B. I will be the new owner of a cat soon.


View attachment 554897

B of course! I inherited my cat, Max, when my oldest daughter went off to college. She moved back home for a year and he didn't care much, he claimed me.

 

[kmc8826]

Which transfer partners does AMEX have?

https://millionmilesecrets.com/guides/amex-transfer-partners/

 

[Haley R]

B of course! I inherited my cat, Max, when my oldest daughter went off to college. She moved back home for a year and he didn't care much, he claimed me.

Our cat’s name is max too!

 

[palhockeymomof2]

We took ds to the beach today and saw a Disney ship out! It made us miss our first cruise we did for our babymoon. We don’t travel right now so it’s nice being so close to the beach! Dh took a pic of the ship but it’s too grainy to really tell. Of course I have to share pics of ds because that’s my thing

He’s getting so big and even more adorable

 

[palhockeymomof2]

Amex MF offer DP...purchased through Chase shopping link 1/28...URs posted 1/30...today 1/8 see the $99 listed on Amex under savings...no SC yet
Did one on DHs card..1/29...nothing posted...think I will be cancelling this one

 

[Haley R]

He’s getting so big and even more adorable

He’s gotten very long!

 

[becauseimnew]

Amex MF offer DP...purchased through Chase shopping link 1/28...URs posted 1/30...today 1/8 see the $99 listed on Amex under savings...no SC yet
Did one on DHs card..1/29...nothing posted...think I will be cancelling this one

Nothing for DH yet, but glad to see people some credits being tracked.

 

[hsmamato2]

Has anyone bought anything on Home Depot dot com and used PYB? Wondering if I should go buy gift cards and then order online and pay with gift cards or if I can just order online and it will code as Home Depot so I can PYB. Item isn't in the store so that isn't an option.

I buy straight from HD.com- it codes for PYB without using a gc.

 

[IFlossU]

Amex MF offer DP...purchased through Chase shopping link 1/28...URs posted 1/30...today 1/8 see the $99 listed on Amex under savings...no SC yet
Did one on DHs card..1/29...nothing posted...think I will be cancelling this one

Nothing for DH yet, but glad to see people some credits being tracked.

I’m still waiting for MF, Scribd, and PayPal credits. Nothing showing. Interestingly I did receive Saks and another offer within 48hrs of purchase last week. Seems like it’s the most recent offers that are delayed

 

[disneybirds]

I just downgraded my Aspire to the no-fee card (I've had the card before so not sacrificing the SUB). Fortunately it was a short call because what could the CSR say to "we aren't planning to travel at all this year"? Hopefully that won't turn out to be true, although at the moment I have no actual plans.

We are also shifting around lots of cards lately. We downgraded the Aspire and Delta Reserve yesterday since DH isn't traveling for work. Will upgraded back to the Aspire once he starts traveling again. Thinking of applying for the Reserve Business closer to tax time. Also going to downgrade DH's CSR later this month and then I will apply in Mar/April for one.

Question - The CSR AF hit on 2/1, but I am not seeing the travel credit for charges on 2/1 and after. Am I too early?

I am waiting on sooo many Amex/Chase credits right now. I check everyday but this is getting annoying!!