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

[LilSweetPeaPhoto]

Congrats on your progress! And may I say you are so lucky to have a Mom that lets you control her spend to use on MSR's!

I'm the opposite kind of 68 year old Mom - I want the adult kids spend, and occasionally get it! (of course a lot of it goes right back to them as gifts!).

My family often rolls their eyes at the frequency I've got new cards and the amount of cards I have....but they do support me, LOL. I'm still kicking myself that my mom didn't open multiple cards when we were rebuying about $100k of stuff for my mom's house after her house. She put it all on her Amex everyday and was happy enough with those points. I tried to point out to her all the other SUB, etc she could have gotten, but she was content with her Amex.

But I am the go to to alert my mom and sister of any deals on their cards. My sister has the Amex Plat (back when it actually was hard to get, LOL) and the Amex Bonoy. So I'm alerting her to any offers.

 

[Judique]

I used my Uber eats credits yesterday at a local restaurant. We don’t usually get take out there bc it ends up being like $50/$60 for burgers and nuggets.
I used my doordash $60 last month and my $25 Uber yesterday. The girl was kind of snotty to DH when he picked it up and said to just call/don’t use Uber eats. I get they probably have a % go to Uber but we would go elsewhere if not for using the credit.
Anyone else run in to this? Don’t know if I want to deal with the snottiness and get my yummy patty melt with the credits or just go somewhere else. We will end up usually them for something lame like McDonald’s or pizza otherwise.

Lol, you get the food you want where you want! I was busy pricing out using a service - ubereats, grubhub, doordash, and on grubhub, I noticed the salad I wanted from Chik Fil A was $8.49 on the regular menu and $11.15 on Grubhub's menu, and that was with pickup! In any case it worked for me as I would use my $10 credit and pay under $2. If I wanted something else, I figure I would just do a separate order. When you order through these services they've built a profit into the menu, in addition to whatever else they may charge such as service fees and delivery.

The employee may simply be feeling you are getting taken for a ride, not realizing you are using a credit that is reducing what you actually pay. Or maybe there is a behind the scenes hassle with filling the order, I really don't know. But, I'm going to use my credits and make them work for me.

 

[StephPlum]

Credits/points saga....
MF - Both Dh and I got emails on using AMEX offer but no credits yet. We both have Trips in Chase but no URs pending yet. As long as we get the credit, I'll keep one MF subscription and cancel the other if no URs show up
Wireless - put $15 on my and DH Marriott biz towards wireless phone bill. No emails and no credits yet...

I can't remember what the info is on AMEX and taxes. I have the $25 off $500 on DH BBP. No $500 bills coming up but I could use on taxes. Is that safe to use AMEX for taxes?

Good news - met MSR on DH CIU and 50K points on next statement. I also found my Chase support email and looking to get a new CIC for DH next week.

 

[Judique]

The S21 just came out last month.

I had S9 until DD killed her phone (J7 I think) in December. I could have gotten her a cheap replacement, but like you, I want a good phone and usually the most recent or one step down. I ended up passing my 9 to her then debated between the S10 and S20, knowing the S21 was coming. She couldn't wait though. I went with the S10 to save $200. Then in January I did have the option to upgrade to the 21 either free or $200-ish I can't remember, but passed. Starting with S21 Samsung has dropped NFC which is how Samsung Pay works. I use SPay a lot and it works everywhere so I'm sad to see it go. I wish I had gone with the 20, but I couldn't justify the $200 extra when I thought the phone might drop in price a month later. I refuse to check pricing now so I won't be disappointed lol

I used Samsung pay for a few months and then forgot about it so not an issue for me.

Lol!! Maybe my DD will take the S10! Anyway, the S21 Ultra 5G is $1199 on Xfinity Mobile (which runs on Verizon and we've been using for about 3 years) and right now they have a $400 promo. Plus the remaining $15/month credit on my Biz card. The S21+5G is $999 with the same $400 promo.

So, that is actually what I was looking at, but the old 'as soon as I upgrade something new happens' is hitting me. But the S21 effectively would be 1199 minus $400 minus $150 minus whatever I sell the S10+ for = Max price of about $450. and could be $250. The $999 phone could be as low as $50.

One thing is certain - in one year my S10+ will be worth .....nothing!

 

[happ]

My BBP $25 back offer from a >$500 medical bill paid 1/23 finally posted this morning. It’s so aggravating when there’s a delay. I just keep thinking, should I wait to put other big charges on there, particularly when there’s a fee to charge to a card? Right now I have real estate taxes due with a 2.5% fee. I wouldn’t be using a credit card on this without that $25 back. Here’s hoping it works!

I paid my real estate taxes with plastiq and got the amex credit.

 

[Judique]

Credits/points saga....
MF - Both Dh and I got emails on using AMEX offer but no credits yet. We both have Trips in Chase but no URs pending yet. As long as we get the credit, I'll keep one MF subscription and cancel the other if no URs show up
Wireless - put $15 on my and DH Marriott biz towards wireless phone bill. No emails and no credits yet...

I can't remember what the info is on AMEX and taxes. I have the $25 off $500 on DH BBP. No $500 bills coming up but I could use on taxes. Is that safe to use AMEX for taxes?

Good news - met MSR on DH CIU and 50K points on next statement. I also found my Chase support email and looking to get a new CIC for DH next week.

I got my email 'good news' right away. But no credit yet. My payment just posted this morning. One thing I did - I paid $22.50 on the bill, rather than an obvious $15.

 

[*WDW*Groupie*]

So sorry to hear about your cancelled trip. I can't remember when it's scheduled for, but definitely wait to cancel your air tickets. BA is cancelling flights all the time, and you won't have to pay the fee. I was looking forward to living vicariously through your trip report I'm a big Grand Wailea fan so that's not a bad consolation prize if you can make it work.

Thank you. The trip is scheduled for early May. I'm not sure if the segment from London to Male via Doha on Qatar (booked through BA) would be cancelled (since the Maldives is open). The flight from Toronto to London has had the plane changed, resulting in dd and I being moved to business class (from first) and I'm sure they will do the same on the return trip.

 

[happ]

What is the general advice for year two of the SW MDD? Keeping both cards does not make sense for me, especially if I get no retention offers. The Priority card offers better benefits, but I won't be using them for quite some time, if at all this year. Has anyone upgraded the Plus card to Priority?

 

[Psychodisney]

Just found out my DD’s graduation from Michigan will be virtual
Time to cancel hotel reservations and get lots of URs and Marriott points refunded. We made reservations about 15 miles out of town so they are refundable. Most of the in town hotels were non refundable for those dates. I feel bad for the town losing all the revenue from Graduation weekend in addition to all the sports weekends.

 

[StephPlum]

What is the general advice for year two of the SW MDD? Keeping both cards does not make sense for me, especially if I get no retention offers. The Priority card offers better benefits, but I won't be using them for quite some time, if at all this year. Has anyone upgraded the Plus card to Priority?

I upgraded my Plus to the Priority last year after the first anniversary. Used my credits early on our only trip. Never got to use the upgraded boarding though. I did need 7k (I think, can’t remember other than I didnt have enough) credit limit and I had lowered my limit on the plus after meeting MSR. You might need to move some credit from other cards if you lowered your limits.

 

[palhockeymomof2]

My MF hasn't credited to my Amex yet. I got emails for both, so hopefully tomorrow.

My Amex MF credit has not posted from 1/28...but the Chase URs have
Nothing has posted on my DHs from 1/29

 

[Crazed4DisneyinSC]

Credits/points saga....
MF - Both Dh and I got emails on using AMEX offer but no credits yet. We both have Trips in Chase but no URs pending yet. As long as we get the credit, I'll keep one MF subscription and cancel the other if no URs show up
Wireless - put $15 on my and DH Marriott biz towards wireless phone bill. No emails and no credits yet...

I can't remember what the info is on AMEX and taxes. I have the $25 off $500 on DH BBP. No $500 bills coming up but I could use on taxes. Is that safe to use AMEX for taxes?

Good news - met MSR on DH CIU and 50K points on next statement. I also found my Chase support email and looking to get a new CIC for DH next week.

My Amex offer for MF hasn't credited yet, but I did get the email and the URs did post already. DH's though never tracked for the URs though. Since ours weren't net zero (had to pay tax), I was not willing to keep the subscription just with the Amex credit since I'd still be out like $8. So I cancelled it on Monday and got the refund today.

 

[SouthFayetteFan]

What is the general advice for year two of the SW MDD? Keeping both cards does not make sense for me, especially if I get no retention offers. The Priority card offers better benefits, but I won't be using them for quite some time, if at all this year. Has anyone upgraded the Plus card to Priority?

I think I may have said this before, but I'm actually planning to hold 2 Priority cards, lol. I'm upgrading my other card to a Priority... but the benefits will work well for us, so that's why.

 

[becauseimnew]

Don't forget to reload your amazon account with your Hyatt card(s).

 

[ski_mom]

Does anyone know anything about Alaska Air's change policy? I read an article showing that The permanently eliminated change fees, but DD2 is wanting to extend the trip that she is now on and it's telling her that it will cost her 7500 more points to change. Her return flight was originally 12,500 points and the return flights are the same amount of points, so I don't think that's it, but I don't know what else it could be unless I'm missing something about there being no change fees.

Editing to say I figured out what she was doing wrong. Her flight has a layover so it showed her flights separately. She was trying to change both of them and it was basically adding an entire flight. I logged into her account and changed her first flight to the final destination and canceled the second leg of the flight and it came up with the choices with no change fees.

 

[AmyAnne]

Just found out my DD’s graduation from Michigan will be virtual
Time to cancel hotel reservations and get lots of URs and Marriott points refunded. We made reservations about 15 miles out of town so they are refundable. Most of the in town hotels were non refundable for those dates. I feel bad for the town losing all the revenue from Graduation weekend in addition to all the sports weekends.

Same! I knew there was no way it could be in person so I didn't even book anything but I'm still disappointed. I have another kid applying to grad schools this year and Michigan is on his list so maybe I'll get another chance . . .

 

[LilSweetPeaPhoto]

Just found out my DD’s graduation from Michigan will be virtual
Time to cancel hotel reservations and get lots of URs and Marriott points refunded. We made reservations about 15 miles out of town so they are refundable. Most of the in town hotels were non refundable for those dates. I feel bad for the town losing all the revenue from Graduation weekend in addition to all the sports weekends.

Michigan is hurting hard from how shutdown we've been. Don't get me started on the fact that everything was closed but we are being forced back into school. And that my kids have to go out of state to play sports. GRRRRRRR! Your reservation could have been close to where I live! I used to teach in A2.

 

[sinnika]

Hi! Looking for my next card. My goal is earning points for overseas travel.
My most recent cards are the following:
04/2018 Chase SW business (will be cancelling this card in May. Plan to get SW cards again at the end of this year to continue my CP)
07/2019 CSP
10/2019 CF
01/2020 Cap One Spark Business
01/2021 CIP Business. Should meet the $15,000 spend by middle of March.

Some of my older cards:
07/16 Costco Citi Visa
07/06 Am Ex Cash (recently downgraded to Cash from Cash preferred) - rarely use
2015 Am Ex Delta - never use

How soon can I apply for another biz card? We have a biz where I can meet at least $5000-$8000 per month spend.
Any recommendations on another card? I planned to get the United Explorer in early January when the bonus was 70,000 points but applied for the CIP biz card instead, and now the bonus is only 40,000 points so I'm holding off on that one for now.

Anyone?

 

[becauseimnew]

Anyone?

It looks like you are 2/24...

From all my research, I've read that MRs are best for booking overseas flights. I've seen the Biz Plat SUB at 110K with $15K MSR via support links. The personal Plat would also be a good choice.

But you should be able to apply for another Chase Biz card in April.

 

[Psychodisney]

Michigan is hurting hard from how shutdown we've been. Don't get me started on the fact that everything was closed but we are being forced back into school. And that my kids have to go out of state to play sports. GRRRRRRR! Your reservation could have been close to where I live! I used to teach in A2.

We booked in Brighton because they would allow a cancellation. My DH and I will probably still go for the weekend to take pictures and celebrate in some fashion....but I’ll probably rebook in A2 assuming rates go down and cancellations are allowed now that graduation is cancelled.