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

[palhockeymomof2]

Great, thanks! I'll be sure to look for a referral code on DisChurning once I'm applying, then. To be clear, for the 1099 you mean that you get this for the points you earn in referral links, correct? So nothing tax-related for your "business"?

That’s correct…nothing business tax related…you will only get a 1099 if you get $600 or more in support links in one calendar year

 

[palhockeymomof2]

I'm starting to plot my strategy for earning a SW CP in early 2022. I previously had the SW Performance business card and got the bonus for that on 1/13/20. In looking at options, I was surprised to see this language in the offer details for the SW biz cards (Premier and Performance) (bolding of "this" is mine):

"60,000 Bonus Points After You Spend $3,000 On Purchases In The First 3 Months From Account Opening: This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months."

I thought all SW cards were just one personal and just one business. Is this right, that I could go ahead and get the SW Premier business card now, and then get the Performance Business card in mid-January 2022?

You can get both SW business cards…right now it’s only the personal cards that are limited to 1
So you can apply for the Premier business now

 

[iujen94]

You can get both SW business cards…right now it’s only the personal cards that are limited to 1
So you can apply for the Premier business now

Sweet! I’ve been itching for a new MSR. But I’ll have to be careful not to hit the full $3k until January!

 

[pinkxray]

JetBlue strikes again.
They changed our flight in Feb.
Very annoyed I dropped a night using points at VGF bc I was afraid I wouldn’t make it to MCO during the half marathon. The new time would have worked. Now I have to do a split stay for no reason since I’ll never get VGFback.
Thinking maybe CBR and walk to Rivera for Toppolinos breakfast? Would love Riviera but it’s almost $900 for 1 night. No thanks .

 

[LynnTH]

I am a little annoyed... Spent just over $1000 at Home Depot on 9/28. Transaction did not post until 10/1 so no eligible for PYB. I am trying to fight it. It should go by transaction date and not post date as we don't have any control over when something posts. The last 4 transactions for PYB posted the next day. This one took 3. Hope they can do something about it.

 

[platamama]

I got a banner when I logged onto my Amex Marriott card: register and earn 10x points when using PayPal with eligible merchants, exp. 12/31/21. Max 50,000 points. As noted earlier, this might be a bit of a hassle if you have to continually delete cards on your PayPal account in order to use the one you really want. Although with this offer, you could keep the Marriott card in your PayPal Wallet so that even if it ends up being charged, you at least will earn $.07/$1 spend. This is based on my own personal valuation of 1 Marriott point being worth $.007, actual value depends on how you use your Marriott points. Might be a nice way to top off your account to use the 5th night free approach, if you're a little short.

 

[wdwcindy]

CSP timing question. I just saw that the CSP offer will end 10/6. Can I make this timeline work?

• received CSR bonus in 2017 on the statement ending 10/4
• current CSR annual fee posted 10/01/2021
• purchase gift card today at grocery store to use the $300 travel credit
• PC CSR to Flex on 10/5
• Apply for CSP on 10/6

Any other advice? Am I too late?

Thanks!

 

[LilSweetPeaPhoto]

OKay I'm going crazy. When I signed up my DD as an AU on my Amex Everyday Preferred, there was an offer to get MR for X spend. Of course I didn't screen shot it. I don't have an email (it was something that showed up when I logged into the account. There is NO trace of it, and Amex can't find the offer. I searched DOC but it was only about the Gold/Plat.

The only reason I signed her up was the bonus. UGH. Is there anything I can do?

NM. I was disconnected from chat so I went back in. The CSR was able to find the offer! WOOOO! I'm $240 away from meeting it. YAY! I have 6 months to meet it, so I'm not worried. My account shows it's attached.

 

[havaneselover]

Wells Fargo has another targeted offer of 10% off up to $50 at grocery stores. Need another 4x fuel points offer at Kroger.

 

[platamama]

CSP timing question. I just saw that the CSP offer will end 10/6. Can I make this timeline work?

• received CSR bonus in 2017 on the statement ending 10/4
• current CSR annual fee posted 10/01/2021
• purchase gift card today at grocery store to use the $300 travel credit
• PC CSR to Flex on 10/5
• Apply for CSP on 10/6

Any other advice? Am I too late?

Thanks!

You'll need 4-5 days after you PC in order to apply. But there are links in DISchurners that may live on a few days longer. That's what I'm hoping for myself.

 

[LilSweetPeaPhoto]

I swear this amex AU issue is driving me crazy. Is there anyway to figure out when I clicked what the offer was? It wasn't an email. It was directly on my account (amex.com). Sucks, because I wouldn't have gotten her an AU on this card if it wasn't there. And I put $1k of spend on it (I think that was the amount....or it was $2k in 6mos). But chat couldn't find it.

Now FOMO on my next move is really hitting hard. I have been saying I'm going to hold off on the MDD, to do more Ink cards instead. Because once I do the MDD, I'll be out of the chase game for awhile. Because once I go over 5/24, my attention will flip to getting the AA Citi personal. Possibly trying to churn the AA Barclay cards, and Amex if I can get out of pop-up hell. But now reality is here. And I don't know. I was getting ready to try for a 2nd CIC. My CSR renews either Oct/Nov, I can't remember. I think I got it 10/16. I was thinking of downgrading it this year w/ the higher fee to start. AHHHHH!

@LilSweetPeaPhoto and anyone else with expiring Bonvoy FNC - a DP for you.

https://www.reddit.com/r/churning/comments/pz42h5/_/hez9imq

I did email them. They said they would get back to me. I used the "my mom has cancer card". Which is true, her breast cancer came back 3 years ago. So she's technically stage 4. But we found out last month, her tumor is GONE! So she kicked cancers butt again! She got it 21 years ago, and I said it was going to take that long to kill her this time (which she was okay with at 70, LOL)

When did all of you start putting your kids as AUs?

I think my DD was 12. My DS is notorious for stealing from me right now. So I'm NOT getting him any AU right now. Even if I could find an awesome place to hide his cards.

Doctor of Credit is reporting that the CSP 100k SUB will end 10/6.
https://www.doctorofcredit.com/repo...ailable-online/amp/?__twitter_impression=true

Ahhhh, FOMO is running BIG TIME!

 

[becauseimnew]

CSP timing question. I just saw that the CSP offer will end 10/6. Can I make this timeline work?

• received CSR bonus in 2017 on the statement ending 10/4
• current CSR annual fee posted 10/01/2021
• purchase gift card today at grocery store to use the $300 travel credit
• PC CSR to Flex on 10/5
• Apply for CSP on 10/6

Any other advice? Am I too late?

Thanks!

You need to wait 4 calendar days after downgrade to apply for the CSP. Support links usually last a couple of weeks so you might have a chance to get the elevated SUB.

 

[AmyAnne]

Just went for the Amex Gold Business offer--80k MRs for $6k in spend. Trying to hold off on my SW Chase cards because I can polish both of those off pretty quickly. Now I can order my couches!

Was this an upgrade offer? If so, do you recall whether the change showed up right away in your account? I accepted an upgrade offer for the personal plat but it's still showing as a gold card more than an hour later--I seem to remember that prior AmEx changes showed up pretty much right away.

 

[havaneselover]

Was this an upgrade offer? If so, do you recall whether the change showed up right away in your account? I accepted an upgrade offer for the personal plat but it's still showing as a gold card more than an hour later--I seem to remember that prior AmEx changes showed up pretty much right away.

Not an upgrade--it's a new card.

 

[CookieandOatmeal]

What the heck is going on with PayPal? I have my Chase card set as preferred for online but I had charges go to DH’s CS Plat and Vanilla Plat instead? I just deleted those cards but not very happy to lose out on 5x.

Mine keeps directing it to my OG Freedom or the Unlimited instead of the Flex. Only happens when I’m paying through an app and using PayPal.

 

[becauseimnew]

I've been doing lots of research for our Japan 2023 trip, I know it sounds crazy early but I would need to have miles by July 2022 to book 4 RT Biz class tickets.
The best that I could find is flying JAL via AA, it's 60K AA miles + $50 PP one way. We have 180K AA miles, DH is eligible for Barclay Red so that's an easy 60K, I plan to use those 240K for our flight to Osaka.

I've found 3 possible options for our return flight. I have 120K MRs, but all the URs that we have are going to pay for our 2022 Hawaii trip, so I we don't have any URs available.
JAL via British Airways HND to DFW 92,750 + $142.35 = need 371,000 BA Avios (URs and/or MRs) already have 120,000 MRs, need an additional 251K UR/MR
(could fly to LAX for 15,000 less points).
United HND to ORD 75,000 + 5.60 IF I can get Saver Awards ( I would book Economy then call to waitlist for business saver) = need 235,000 United miles already have 65,000
JAL via Asia Miles HDN to DFW 75,000 + $184 = Need 180,000 MRs already have 120,000 MRs, the fees are super high.

I think Asia Miles is my best option, the fees are higher but we could easily earn 180K MRs between now and July 2022.
Anyone have any other suggestions?

 

[SleepyatDVC]

So, DH was able to do the MDD sometime in September. He got the CSR (approved 9/22) card first because they overnighted the card to him. So, we started using that first. The CSP (approved 9/21) came by snail mail and then was declined when he tried to use it even though we verified it online when received. He finally called and had the hold lifted on the card. The rep said it was not verified as received properly. Whatever. We have since made some charges on it.

The problem now is that when we log into his Chase account, under the CSR reward activity, it shows you are $xxx.xx away from your 60,000 bonus points, but there is NADA under his CSP rewards activity. There is no new account bonus category under rewards activity for his CSP! Should we be worried? Should he SM? Call? Wait until he completes his CSR SUB before he inquires about his missing CSP SUB?

Argh...

 

[SleepyatDVC]

So, DH was able to do the MDD sometime in September. He got the CSR (approved 9/22) card first because they overnighted the card to him. So, we started using that first. The CSP (approved 9/21) came by snail mail and then was declined when he tried to use it even though we verified it online when received. He finally called and had the hold lifted on the card. The rep said it was not verified as received properly. Whatever. We have since made some charges on it.

The problem now is that when we log into his Chase account, under the CSR reward activity, it shows you are $xxx.xx away from your 60,000 bonus points, but there is NADA under his CSP rewards activity. There is no new account bonus category under rewards activity for his CSP! Should we be worried? Should he SM? Call? Wait until he completes his CSR SUB before he inquires about his missing CSP SUB?

Argh...

I was planning to try the MDD for my Mom because my parents want to start traveling soon (to Asia) once it is less scary for them. But not if she loses one of the SUB. If she only applies for one of the Sapphires, should she get the CSP or the CSR? Maybe I should get the CSP for my Dad and the CSR for my Mom?

I, too, am experiencing FOMO...

 

[GZanta77]

I swear this amex AU issue is driving me crazy. Is there anyway to figure out when I clicked what the offer was? It wasn't an email. It was directly on my account (amex.com). Sucks, because I wouldn't have gotten her an AU on this card if it wasn't there. And I put $1k of spend on it (I think that was the amount....or it was $2k in 6mos). But chat couldn't find it.

If its the same offer I used last month to add DD as AU - it was 20000 MRs after $2k/6mos.

 

[wanderlust7]

So, DH was able to do the MDD sometime in September. He got the CSR (approved 9/22) card first because they overnighted the card to him. So, we started using that first. The CSP (approved 9/21) came by snail mail and then was declined when he tried to use it even though we verified it online when received. He finally called and had the hold lifted on the card. The rep said it was not verified as received properly. Whatever. We have since made some charges on it.

The problem now is that when we log into his Chase account, under the CSR reward activity, it shows you are $xxx.xx away from your 60,000 bonus points, but there is NADA under his CSP rewards activity. There is no new account bonus category under rewards activity for his CSP! Should we be worried? Should he SM? Call? Wait until he completes his CSR SUB before he inquires about his missing CSP SUB?

Argh...

I wouldn't worry about it. Pretty sure Chase doesn't approve you if you don't qualify for the SUB. You can also try the app to see if the tracker shows up. I think it's known to be unreliable.