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

[stitchfan18]

Does anyone have experience buying digital southwest gift cards off their website? I bought one over the weekend to use up the $75 SW spend on P2's priority card before canceling it later this month. The credit posted a few days ago, but we still haven't received the digital gift card from southwest. I emailed and they said it could take up to 30 days... That just seems like a long time for a digital product. If anyone else has purchased a digital gift card from them, how long did it take to receive the emailed gift card from them?

 

[ski_mom]

I see mine when I click on “earn more” ..then..“shop through chase”...then “my shopping details”

Thank you! Mine is showing there too. So, it's still tracked, just not pending yet I guess. We'll see what happens. I got the $99 from Amex, so at least I'm not out anything.

 

[palhockeymomof2]

My hubby's AF posted on his southwest card. We can cancel it now and get the AF refunded, correct? Or should we keep it? His is the basic one with the $69 AF so no real benefits other than the RR anniversary points

I would wait until the anniversary points post to his RR account then Cancel

 

[SouthFayetteFan]

My hubby's AF posted on his southwest card. We can cancel it now and get the AF refunded, correct? Or should we keep it? His is the basic one with the $69 AF so no real benefits other than the RR anniversary points

Do you have any friends or family who would potentially give you a support click? Between the anniversary points and just one click, the card more than justifies the AF. That's sort of been my stance on the SW cards, they are one that I try to keep open. They also seem to get random little bonuses throughout the year too (i.e. 5x on groceries).

Another thought would be to call in and express how the card hasn't quite been worth it this year due to the pandemic and see if they'll give you a retention offer to keep it open. Maybe they'll waive the fee or reduce it.

 

[wanderlust7]

I used my Plat via Paypal to reload our ChickFilA account, I received the paypal credit and the 20% welcome back offer (Resy).

Curious if you did $30 so that you got $36 back? In the past, Amex hasn't liked it when they paid out more than you spent. They've clawed back when people stacked the Dell credit with the 10% off (spend $100, get $110 back, they claw back the $10). It's Amex though, so who knows. Maybe nothing happens, or they claw it back months or a year later.

 

[SouthFayetteFan]

We drive (from Virginia). We are retired and have most things we need. So most of our expenses are the usual bills, which we pay off each month. House and vehicles paid for.

And I agree, VERY friendly here!

So airline cards are definitely out then, haha! I'd say look at the Chase Sapphire cards, those could be interesting to you. Another one would be hotel cards. Amex has an extensive lineup of Hilton cards, and of course Marriott cards are out there too which can even be used at the Swolphin for a sort of "on-site" experience with Disney! Hyatt is another one people like around here!

 

[happ]

Does anyone have experience buying digital southwest gift cards off their website? I bought one over the weekend to use up the $75 SW spend on P2's priority card before canceling it later this month. The credit posted a few days ago, but we still haven't received the digital gift card from southwest. I emailed and they said it could take up to 30 days... That just seems like a long time for a digital product. If anyone else has purchased a digital gift card from them, how long did it take to receive the emailed gift card from them?

Your post reminded me about purchasing a gift card, so I went ahead and purchased it. The email with the digital card has already arrived. I would call them if I were you.

 

[magickingdomprincess]

Does anyone have any experience with the WF Platinum biz card ($300 SUB, $3k MSR, no AF) or the Cap One Spark ($500 SUB, $4500 MSR, $0 AF fist year)? I'm looking for a biz card to tide me over for a while. I'm especially curious about getting approved with a "business."

FYI - I think I should be 4/24 but was denied a SW personal card last week due to being over 5/24. I'm still waiting on my TU report to come to try to understand what the issue is, but for now I'm really feeling like I need to get a new card! We have a few bigger expenses (for us) coming up and it's driving me crazy not having an MSR. There are several personal cards I'd like to go for, but I have two 5/24 spots opening up in May/June so I want to wait so I can try again for a Chase card.

TIA!

 

[becauseimnew]

I accidentally deleted DH's CSR from my point transfer and now I can't add it again. I guess I'll delete them all and hope the system resets in 24 hours?

 

[Judique]

Good morning. I have the Disney credit card with the annual fee (I think it’s $50) with 2% points back on groceries. Two questions, please. 1) Is there a way to change the 2% to apply to lodging? We are planning to rent a home at the beach for a week. 2) I only wanted to keep this version of the Disney credit card for a year, so is there a way to go back to the “free“ Disney credit card? I understand that it only receives 1% in points on all purchases. I’ve checked out the Chase website, it cannot find these answers. Thank you!

1. No.
2. You can call Chase to change the card to the no fee card.

@SouthFayetteFan asked you how you get to Disney. You replied that you drive.
If you stop over on the way, you may want to consider a Marriott, Hilton or IHG (Holiday Inn) card, and get a few free overnights on the way there. I drive from Maryland split the trip into 2 days, usually arriving early afternoon. I never pay lodging going or coming back.



If you drive straight through, first night or other nights can be spent at an offsite hotel to reduce overall costs, using points to pay the bills.

 

[Disneyonmymind]

I accidentally deleted DH's CSR from my point transfer and now I can't add it again. I guess I'll delete them all and hope the system resets in 24 hours?

I have deleted a card on purpose when it wouldn't let me transfer UR (giving some unknown error code). The next day, all was well again.

 

[platamama]

I just got a Plastiq offer in my email: get $125 FFD for each $1000 spend through 2/28/21. Not too exciting, but it's something.

 

[JackieT1182]

Hello everyone!

Just wanted to introduce myself - I'm a long time follower, but very infrequent poster, from Pittsburgh.

I'm looking to expand my credit card collection. I have the CSR and just got the AmEx Rose Gold (because, pink .....and the offer of 75k MR). Not really sure what I'm looking for right now as we don't have any immediate travel plans, but just wanted to finally say hello!

 

[SouthFayetteFan]

Hello everyone!

Just wanted to introduce myself - I'm a long time follower, but very infrequent poster, from Pittsburgh.

I'm looking to expand my credit card collection. I have the CSR and just got the AmEx Rose Gold (because, pink .....and the offer of 75k MR). Not really sure what I'm looking for right now as we don't have any immediate travel plans, but just wanted to finally say hello!

Welcome to the BEST thread on the DIS

 

[palhockeymomof2]

Hello everyone!

Just wanted to introduce myself - I'm a long time follower, but very infrequent poster, from Pittsburgh.

I'm looking to expand my credit card collection. I have the CSR and just got the AmEx Rose Gold (because, pink .....and the offer of 75k MR). Not really sure what I'm looking for right now as we don't have any immediate travel plans, but just wanted to finally say hello!

 

[ep1229]

For the Hyatt experts... I'm trying to decide if I want to do another mattress run to get to 60 nights. I was going to use the Amex Plat $60/$300 with Hyatt stay. The cheapest I can find is $95/night. Do you think it's worth $240 ish for 6 elite nights? I'm at 32 night right now. I'm so on the fence!

I have a Northern Arizona trip planned for the end of March/April. Anyone in that area have a sense if the canyons/Navajo lands will open up by then? I think we will still go if it's not open. I have a week at The Boulders and I'm really looking forward to it. I have Diamond status and hoping we will get upgraded to one of the casitas.

TIA for the advice.

 

[snugglebug]

P2's MF finally credited, thankfully before statement close. I ended up paying mine so now have a nice $99 credit. Still waiting on my Bonvoy Biz wireless credit now.

App'd P2 for CIC on Sunday, approved last night. That was a nice exhale. P2 now holds all 3 ink cards. P1 is now fully legit LLC and has decided CIC and CIU will be true biz only cards going forward

It is freezing here today. Remind me of this in July/Aug, although I've found our dry-ish heat to be mostly tolerable. There are icicles everywhere, my front yard is covered in ice, a 26 car pile up this morning. I'd rather see snow I think.

 

[stitchfan18]

Your post reminded me about purchasing a gift card, so I went ahead and purchased it. The email with the digital card has already arrived. I would call them if I were you.

Thanks for the nudge to call. I called and apparently since I had requested the gift card to be resent to my husbands address, that is why they said it could be up to 30 days, they have to manually make those changes. I forgot that I have somehow blacklisted all Southwest emails from my account, I don't even get my flight confirmations from them anymore, so I assume the original gift card would have come right away if my email received SW emails.

 

[happ]

Does anyone have any experience with the WF Platinum biz card ($300 SUB, $3k MSR, no AF) or the Cap One Spark ($500 SUB, $4500 MSR, $0 AF fist year)? I'm looking for a biz card to tide me over for a while. I'm especially curious about getting approved with a "business."

I have both of these cards. The WF one requires that you have a bank account with them for at least a year to apply (or at least that was the rule when I applied last year). A personal checking account works. I got the Spark Cash card several years ago and have just kept it because they permanently waived the annual fee for me. Though when I got it, it reported on my personal credit report and counted toward 5/24. (I didn't know any better then!) Supposedly it doesn't report now, but I would look for DPs to make sure that's actually the case. The WF card does not affect 5/24. I don't recall having any issues getting approved.

 

[SouthFayetteFan]

Gonna share some scattered thoughts coming off of Disney's earnings call today and some analysis I did for fun... because yes, I do spreadsheets for fun. Look for it shortly.