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

[jujubiee4]

I also see an AmEx offer for RCCL that I didn't see before, so it's new for me at least.

Royal Caribbean International
Spend $1,500 or more get $500 back. Expires 12/31/21. Can be one or more transactions.

Thank you. I don't have RCL planned but i'm saving it anyway. My husband has it on his
separate acct also. What is weird is it wasn't under travel because I always check. It was
under cashback. So everyone check that category.

 

[*WDW*Groupie*]

So making sure i get this straight. If you have a lot of 100 dollar cards consolidate them on that site
then delete immediately? combine them into 500? 1000? do you throw away the used cards after
consolidating or keep them for safe keeping? thx

I consolidate up to $1,000.00, keep the card with the balance and toss the others. I know that some keep all the cards that have zero balance though. The cards with the balance are kept in the safe. I did as @elgerber recommended and deleted the cards on the website.

Dh missed a card when he brought them home. Hopefully he will find it when he goes back to Florida this week.

 

[wanderlust7]

Can anyone refresh me? Isn't there a generic link which will allow you to see more than 100 Amex offers? Checked DOC but can't seem to find it. I was hoping for a Staples $25 off on DH's card.

I forgot about this!

https://www.doctorofcredit.com/special-link-to-see-amex-offers-100/
Was trying to get the RCCL offer on my MSR card. Should have tried this too. I kept adding offers until no new ones appeared. Still didn't get it so I gave up lol and put it on another card.

 

[EACarlson]

That's interesting. Mine says Walmart.com and paypal. I just assumed the 5% would only work for online purchases. @EACarlson was your purchase in a store or online?

Instore.

 

[marsh0013]

Anybody know if mobile order codes as restaurant on CSR? Trying to figure out if we charge it to the CSR if we'll be able to use PYB on the charges. If not, we'll use discounted gift cards. I guess same question for Epcot food and wine booths. I assume sit downs and quick service will be no issue. The majority of what we spend at WDW is food/alcohol, so if we can put most of it on the CSR (also working on the minimum spend), we won't need nearly as much in gift cards as we normally do, and I can hold out for better gift cards deals.

Edit to add: I know we can't charge to the room if we want to do PYB. We'd make the charges directly at each establishment with the CSR.

 

[havaneselover]

Anyone remember what happens with a PayPal return with the chase bonus? So if I spend $1500 and return $500 (not trying to game the system), do I need to spend another $500 to max it out? I’m thinking I don’t.

 

[becauseimnew]

Anybody know if mobile order codes as restaurant on CSR? Trying to figure out if we charge it to the CSR if we'll be able to use PYB on the charges. If not, we'll use discounted gift cards. I guess same question for Epcot food and wine booths. I assume sit downs and quick service will be no issue. The majority of what we spend at WDW is food/alcohol, so if we can put most of it on the CSR (also working on the minimum spend), we won't need nearly as much in gift cards as we normally do, and I can hold out for better gift cards deals.

Edit to add: I know we can't charge to the room if we want to do PYB. We'd make the charges directly at each establishment with the CSR.

Yes… I used PYB for all our Disney food, including mobile orders.

 

[Haley R]

I’m sorry if someone else already posted this but I didn’t see it. We got an offer on our target accounts to get 10% off target gcs ending today up to $500. We used our discover card because it’s 5% off right now. We did it on both my and dh’s account so a total of $1000 in target gcs

 

[DaveL]

my offer just says Walmart also but now im assuming it was misprinted

When you click on the FAQ's it details out Walmart and Paypal, when you click Walmart it lists out all the different types of stores, and even goes on to say that sub stores inside Walmart do not count... Why need to say that if it was .com only?

 

[happ]

Can anyone refresh me? Isn't there a generic link which will allow you to see more than 100 Amex offers? Checked DOC but can't seem to find it. I was hoping for a Staples $25 off on DH's card.

I've not heard of that, but I did find the DoC page about it. https://www.doctorofcredit.com/special-link-to-see-amex-offers-100/

Edit: Please post if the link in the article works. I can't test it because I don't have more than 100 offers. That would be much more convenient than regularly going through and adding offers to stay below 100.

 

[LilSweetPeaPhoto]

I signed the kidlets up for Chase First Checking accounts when they were offering a $25 bonus. Well come to find out, it's a VERY limiting account. So yesterday I set the 16yo up w/ a HS checking account. While I was there I noticed they still had the 100k offer listed on the CSP. The manager said it's still 100k in branch and no AF. I told her I think I'm going to do a CIC instead. She's like ooooh, you have a business? I had to laugh as she had my account pulled up. Did you not notice the business checking? Or the 3 business credit cards?

The public links for the Sapphires have been reduced. CSP is now showing 60,000 and CSR is now 50,000. Previously generated links still appear to be working.

Still 100K in branch too.

I’m sorry if someone else already posted this but I didn’t see it. We got an offer on our target accounts to get 10% off target gcs ending today up to $500. We used our discover card because it’s 5% off right now. We did it on both my and dh’s account so a total of $1000 in target gcs

I had saw people chatting about this. I have the offer.....I didn't think about pairing it with the Discover offer. Thanks! I guess I'll be grabbing $500 too!

 

[AmyAnne]

The public links for the Sapphires have been reduced. CSP is now showing 60,000 and CSR is now 50,000. Previously generated links still appear to be working.

I downgraded my CSR on Tuesday and just applied for the CSP, using a previously-generated link. Instant approval

Now to decide whether to attempt the MDD tomorrow. I have enough credit on a Freedom to upgrade to a CSR later, and I don't really need the CSR benefits now, so I'm leaning against it, but FOMO is making me still think about it.

 

[LilSweetPeaPhoto]

I finally decided to take the leap and apply for the CIC. When I hit submit a screen pops up very fast, and goes away. Then it returns to the application screen. I hit submit twice now and this has happened. Any ideas? I was going off a DIS link......

 

[wanderlust7]

I finally decided to take the leap and apply for the CIC. When I hit submit a screen pops up very fast, and goes away. Then it returns to the application screen. I hit submit twice now and this has happened. Any ideas? I was going off a DIS link......

Did you get an inquiry on your credit report? If so, then it went through. If not, maybe browser issue?

https://www.disboards.com/threads/i...t-page-for-addl-details.3821593/post-63435557

 

[LilSweetPeaPhoto]

Did you get an inquiry on your credit report? If so, then it went through. If not, maybe browser issue?

https://www.disboards.com/threads/i...t-page-for-addl-details.3821593/post-63435557

As far as I can see, no.....I haven't gotten any email alerts like I normally do. Maybe I'll try again tomorrow.

 

[FreeDiningFanatic]

I forgot about this!

https://www.doctorofcredit.com/special-link-to-see-amex-offers-100/
Was trying to get the RCCL offer on my MSR card. Should have tried this too. I kept adding offers until no new ones appeared. Still didn't get it so I gave up lol and put it on another card.

I've not heard of that, but I did find the DoC page about it. https://www.doctorofcredit.com/special-link-to-see-amex-offers-100/

Edit: Please post if the link in the article works. I can't test it because I don't have more than 100 offers. That would be much more convenient than regularly going through and adding offers to stay below 100.

The link worked for me- thanks so much!!! 165 offers on my Plat. I wasn't able to pull the Staples offer though, so must just be a case of targeted or not.

Also, I've been opening any links found on DOC into incognito mode. Probably better safe than sorry as I do believe there's a way to track back to origination site.

 

[Albort]

There may be better ways, but off the top of my head, you could buy the Happy GCs that have HD on them at a grocery when it’s a 5x quarter (possibly combining with grocery deals & fuel rewards)

ETA: Now I’m thinking Happy Cards might not have Home Depot on them anymore?

https://www.giftcards.com/giving-good/habitat-for-humanitylook for those. they are available at my local kroger.

 

[CyndiLouWho]

Oh, interesting! I was expecting an email of some sort. Will have to wait and see what arrives in the mail! Can business cards be added to the same Chase account with personal cards, or do you need to set up a separate account for those?

Generally you have 2 accounts but I think a few people have called in and had Chase merge them. Although IIRC the personal gets merged into the Biz, so if you have Chase personal already, you have to set up a new login anyway. DH and I each have personal and biz so we have 4 logins.

So making sure i get this straight. If you have a lot of 100 dollar cards consolidate them on that site
then delete immediately? combine them into 500? 1000? do you throw away the used cards after
consolidating or keep them for safe keeping? thx

Personally, I only combine into large amounts when needed for a cruise or something big. For cards I'll use in the parks, I keep to $250-300. I had $1000 on a card once and took to WDW. Had a cashier comment "wow that is the biggest GC balance I've ever seen". Not so good for privacy. Also I once misplaced a card. Fortunately I had the info, quickly logged into the Disney gift card website and transferred the balance to another card. I do keep the cards and have double (and triple) checked to make sure they are 0 balance. I did once find $ on one that DCL had refunded to.

 

[afan]

Booking my hotels for Japan next year since they are all open, though I didn't book Okinawa yet. Not sure if I should book all 3 nights and then call to have them apply the FNC when I get it or just wait, but I won't get it til May. I think I have them apply one to a booked reservation but I've never done it.

I have only booked with hilton points once and it was last year for this trip. It was 45k for the hilton at TDLR, it's 67k a night now. I had enough points, but is it worth watching to see if it goes down? And if it does do I cancel and rebook as I don't know that I'd have enough points. I'll have some after my aspire spend but this wiped out most of what I had for the 4 nights. May use my FNC there when I get it, which I should be able to have them apply to one of the nights correct?

 

[wanderlust7]

Booking my hotels for Japan next year since they are all open, though I didn't book Okinawa yet. Not sure if I should book all 3 nights and then call to have them apply the FNC when I get it or just wait, but I won't get it til May. I think I have them apply one to a booked reservation but I've never done it.

I have only booked with hilton points once and it was last year for this trip. It was 45k for the hilton at TDLR, it's 67k a night now. I had enough points, but is it worth watching to see if it goes down? And if it does do I cancel and rebook as I don't know that I'd have enough points. I'll have some after my aspire spend but this wiped out most of what I had for the 4 nights. May use my FNC there when I get it, which I should be able to have them apply to one of the nights correct?

You can change a points booking to an FNC if there is still award availability. But it's a problem when there isn't, I think because they have to treat it as a cancel/rebook. Even if you cancel, it might not go back into award inventory. I've looked into this for Hilton, Bonvoy, and Hyatt. It seems to be true for all.

I would book now and not wait until May in case there is no more award availability. I'd rather not be able to apply an FNC then not have the reservation at all. If this is a Hyatt reservation, they are supposed to go to peak/non-peak awards in mid-October (unless they extend it again). Better to lock in rates now.

Are you trying to do Hilton 5th night free as 3 nights with points and 1 night FNC? You might be able to, but it's not a good deal. This explains it better than I can:

https://insideflyer.com/2021/05/12/how-does-hilton-honors-fifth-night-free-benefit-work/