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

[yaya74]

Regarding the 5% bonus rewards on Disney Visa, I just saw this link on my Chase account website. I never got an email like most of you did.... I clicked on it and got the 5% bonus rewards. I need to pay off the balance of my upcoming trip next week. Hopefully the 5% will kick in accordingly.

 

[Alexle2007]

Checked in for our flight to Orlando tomorrow morning and love that DH is A-List and has CP. A20, 21, 22! DS is CP and got the 21. Definitely seems like something has changed for the better since his BP was typically later.

 

[elgerber]

If you don’t mind my asking, when were your last Chase applications/new cards before these biz apps? I’m having trouble being approved for a new biz card- been trying to get a CIC- but am denied due to recent inquiries and new requests for credit. Just wondering if the 3 month pacing is not long enough to wait like it used to be or if it’s just my bad luck.

I got the CIU in January. and before that the IHG premier in October and the CSP in April.

 

[Sheree]

Is anyone interested in trying out CLEAR for the summer? I have 5 guest passes, each good for 3 months of CLEAR, and for each pass, the person can include up to 3 family members. PM me if you are interested!

(note - I get absolutely nothing if you do this, so it’s not a referral of any sort!)

would love it

have several things booked. can't figure out how to Pm!

 

[WVMomof3]

My Arrival Plus just turned 2 and the AF will post soon. Is there any reason to keep this card? I know there was talk it was good for the chip and pin for Europe. Is that still a necessary thing?

 

[Albort]

My Arrival Plus just turned 2 and the AF will post soon. Is there any reason to keep this card? I know there was talk it was good for the chip and pin for Europe. Is that still a necessary thing?

its still a good backup for a just incase. unless ur totally okay using a travel debit card when ur credit cards dont work.

 

[punkin]

According to my research you would get a pop up that you are illegible. If there was lifetime language, it is typically the first sentence, something like this:

OFFER TERMS
Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.

Good luck! DH is the proud new owner of Biz Plat, BTW.

DH finally bit the bullet and applied. Instant approval and no pop up. He now has 2 personal platinum amex cards. His first one will post an AF in November, so we will cancel it then. We will see if the points actually post after 5k spend.

 

[tink1970]

My Arrival Plus just turned 2 and the AF will post soon. Is there any reason to keep this card? I know there was talk it was good for the chip and pin for Europe. Is that still a necessary thing?

The last time I was in Europe (Oct 2019), it really wasn't helpful since I tried using the PIN but the machines didn't need it. That said, I wasn't buying train tickets or gas (the two most quoted needs for it). Unfortunately, I would use my no AF Barclay card whenever I was overseas so Barclay cancelled my card for disuse this March. I was kind of sad (and annoyed with both Barclay and myself lol). I pc'd my arrival+ to a no AF 4 years ago-will they still do that?

 

[iujen94]

AMEX newbie question - I recently got my first AMEX, the Marriott biz card. It’s got a $5k limit (which is also the amount I need to spend to earn the SUB). I’ve got a Marriott stay next week and obviously want to put it on my shiny new Marriott card, but it’s going to be tight fitting it in within what’s left on the credit limit.
I know credit card companies don’t like repeated paying down and re-spending, but am I ok to do this this one time? I wasn’t sure if I’d get extra scrutiny because it’s AMEX, it’s in my first month of the card, and/or it’ll enable me to earn the SUB in my first month.
Thoughts??

 

[ten6mom]

My CSP will be coming up for renewal in July. It's my only higher UR-redemption Chase card. Do you all think the $95 AF is worth it? I don't have any immediate plans to use the URs, but I am hoping to plan for Japan again for November 2022. I would (hopefully) be using my "stranded" 200K Virgin miles to book on ANA again, and then use URs for hotels since I don't have any hotel cards/points.

 

[wanderlust7]

The last time I was in Europe (Oct 2019), it really wasn't helpful since I tried using the PIN but the machines didn't need it. That said, I wasn't buying train tickets or gas (the two most quoted needs for it). Unfortunately, I would use my no AF Barclay card whenever I was overseas so Barclay cancelled my card for nonuse this March. I was kind of sad (and annoyed with both Barclay and myself lol). I pc'd my arrival+ to a no AF 4 years ago-will they still do that?

PC would be the best option, but all the more recent DPs I’ve seen people had no luck doing that.

 

[wanderlust7]

My CSP will be coming up for renewal in July. It's my only higher UR-redemption Chase card. Do you all think the $95 AF is worth it? I don't have any immediate plans to use the URs, but I am hoping to plan for Japan again for November 2022. I would (hopefully) be using my "stranded" 200K Virgin miles to book on ANA again, and then use URs for hotels since I don't have any hotel cards/points.

You can downgrade to a no fee and then upgrade it back when you need it. Or if you’re planning to do hotel through the portal, you can PYB instead now and set that money aside in your budget.

If the plan is Hyatt hotels, you can also consider transferring now. Some category changes are coming in July though, so some risk there.

 

[ten6mom]

You can downgrade to a no fee and then upgrade it back when you need it. Or if you’re planning to do hotel through the portal, you can PYB instead now and set that money aside in your budget.

If the plan is Hyatt hotels, you can also consider transferring now. Some category changes are coming in July though, so some risk there.

Oh! Didn't know I could downgrade and then upgrade it again! Thanks! I'll probably do that then. I'm terrible at budgeting or setting money aside so I definitely would not want to count myself doing that.

 

[WVMomof3]

If you do Hyatt, will that get you closer to the 10 nights for 1 FNC? Or help you get to the suite night award? Or add a brand to your Brand Explorer?

If not - I value Hyatt at 1.5 cpp, so that's $465. Marriott at 0.8 cpp, so $480. So I'd probably go with the Holiday Inn Express.

I would blow the Marriott points, but I have a ton of Marriott points.

Obviously the cash rate at IHG is cheapest. You could keep an eye on this one to see if points rooms pop up, depending on the point cost.

I also would never pay 31K for a Hyatt Place. Love Hyatt Place but just no.

What else can you do with the Barclay points? What are they worth? I would be trying to keep cash in my pocket so if that is making cash out of pocket maybe about $150 or so, yes to using Barclay points on the IHG.

Thanks for helping me think it through. It would have only gotten us to 6 with the Hyatt promotion so not helping us to get a free night. It is a “beach” location so that is why the points were high. It was the closest of the 3 to the beach but we are not going for that so it’s location didn’t matter. We did go for Holiday Inn with a cash rate using my Arrival plus points to erase some of it.

 

[Minnie368]

DH had AF post for his CSP. Which no AF should he PC to? I’m not familiar with the freedom cards at all. My main concerns are first that he supported DS to a CSP and points haven’t posted yet. Will he still get the points for that with a PC? And do the freedom cards earn URs or is it just cash back? His only other Chase cards are 2 CICs. I want to make sure he has a way to transfer his UR to my CSR.

 

[wanderlust7]

Oh! Didn't know I could downgrade and then upgrade it again! Thanks! I'll probably do that then. I'm terrible at budgeting or setting money aside so I definitely would not want to count myself doing that.

You can also consider upgrading to the CSR when the time comes. Might be able to get 2 travel credits on one AF if you time it right. Then you can get 1.5 through the portal.

 

[wanderlust7]

DH had AF post for his CSP. Which no AF should he PC to? I’m not familiar with the freedom cards at all. My main concerns are first that he supported DS to a CSP and points haven’t posted yet. Will he still get the points for that with a PC? And do the freedom cards earn URs or is it just cash back? His only other Chase cards are 2 CICs. I want to make sure he has a way to transfer his UR to my CSR.

All the Freedom cards earn UR and can be moved to your CSR. Which one just depends on which earning categories work for you.

 

[FreeDiningFanatic]

Looking for some advice. DH just PCed his CSR and lowered limits in order to go for the CSP in about a week, but now I'm thinking perhaps it should be a CSP/CSR MDD. We really do like our CSR and I now only have a CSP.

We have an upcoming trip I'd like one or both cards in hand by (6/18). Thinking of applying on 6/10 and 6/11. Is this enough of a quiet period before an MDD? Nothing before that since like 2016.

Chase	Marriott Bonvoy Boundless	Personal	10/28/2020​
Amex	Platinum	Personal	12/6/2020​
Amex	Biz Platinum	Business	3/7/2021​
Chase	Ink Preferred	Business	3/10/2021​

 

[ten6mom]

You can also consider upgrading to the CSR when the time comes. Might be able to get 2 travel credits on one AF if you time it right. Then you can get 1.5 through the portal.

Oh!

I guess I'd better go research the travel credits... although I don't know whether I could stomach the AF for that one (isn't this the one that is $550 now???) I am such a slow, low budget person that I never even looked into the high AF cards, and I wouldn't know a travel credit if I met one in the road!

 

[Judique]

Amazon - this morning I got an offer while I was looking for mother of the groom dresses. "Add your amex card and get $25 off your next order'. So, I added my Amex card and ordered a beach type dress that I had in my wish list.

No $25 off. Contacted Amazon and repeatedly got the runaround through chat and email. They defeated me as, even though retired, I don't want to put any more energy into this. One email even made me feel as if they thought I was 'faking' it.

Anyway, I've convinced myself that I did something wrong when I made my order. Has anyone else seen this offer?

And, even though I dislike doing delivered groceries, I did an Amazon Fresh order last night. Delivery between 8 and 10pm. It was delivered about 9:30 and all was perfect. No delivery charge as more than $35 and no tip for the driver.

The order drew from my gift card balance and gift card does not allow for tip, so I put the tip outside with a note and the driver missed it. I called but CS said no way to get it to the driver. Felt bad. Maybe that's why I was punished today with the fake offer.