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

[Disney Kidd]

I'll drop you a PM invite to our DISchurners reddit group which contains some great info.

If opening, using, and cancelling rewards cards is bad then most of us don't want to be good!! If you hang around here a bit, my guess is you'll start to pickup on some great strategies! Unfortunately you've already grabbed a CSP and a SW card and can't go back in time and do a MDD to double those earnings - so you'll want to be careful as you apply for future cards to make sure you don't lock yourself out of opportunities. But you found us now - and that's a good thing!

Thanks for the reply! I had to look up MDD, but I still don't understand. What is that?

 

[wanderlust7]

I chatted with AmEx to see if I could get the elevated SUB on the gold, but was told no, that once I applied the current offer was 'locked' to my acount. Has anyone ever had luck getting the additional points for an AmEx increased SUB? My application was less than a month ago. Wondering if I should try again tomorrow with a different CSR.

On another note, my SUB posted !

Amex doesn't match SUBs, unfortunately. If you're lucky, they might give courtesy points, but that doesn't seem all that common.

 

[Judique]

Will Chase pull a different bureau if the one they usually pull is frozen? I know you can request this with some banks via recon and they'll do it, but I can't recall for Chase.

Chase pulled 2 bureaus on me for my CSP in November. Experian and (fill in the blank) I'll look it up and post the other one. I think it was Transunion but I'm not sure. I had nothing frozen.

 

[Hoosier John]

URs transfer directly to United so I am trying to the perk. A little less spend than a CIC.

I think I see what you're saying. URs are roughly equal to United Miles (since they transfer from UR to United at 1:1), then as long as you have a use for United, you come out ahead because the MSR is lower for the same bonus, right?

 

[Judique]

So I've been slacking on the bank bonuses, but I have to say the online betting promos for Michigan are AMAZING right now, LOL.
So far in the 1 app I've signed up for I have bet $1 and won $100 (transferred that immediately). I then got a promo for $100 in free blackjack play. I kinda thought the money I was winning was still "fake" so my last hand I bet $20. Only to find out I actually could cash out my winnings. So I won $67 with that. So for the $1 play I've made back that $1 and $168 in free money, LOL.

I'm working on another promo right now w/ bet $1 get $100 if ANY golfer makes a birdie this weekend The BF is way more financially secure so he's been taking up the match play bonus (bet $1000 get $1000) and the "risk-free" bets. I'm sticking to the super easy no money risk crap!

OMG,,,,,I can't even watch my one TV that has a separate antenna - no need to spend for it to be part of our cable as it's in my kitchen and is just for local news when I'm cooking. Sports betting came to Virginia and the constant commercials advertising 'spend a $1 to make $100' are driving me bonkers! I'll buy an occasional Mega millions or Powerball ticket when they catch my attention with 500mil jackpots but I'm not much into gambling. But the advertising on the sports bets is relentless so I'll never even give them that $1.

But - son went to the casino a year or two ago, and I gave him $20. He won me over $1400. Gave him about half.

 

[Judique]

Thanks for the reply! I had to look up MDD, but I still don't understand. What is that?

Glad to see you made it!

MDD is a strategy where you apply for 2 cards. It's 'modified double dip'.

If you are perhaps 4/24 and only have 1 slot left, applying for the first - getting approved and then applying for another card the next day, you sort of 'trick' 4/24.

Works well if you are trying to get a companion pass with Southwest for example.

I'll leave the other points to others. But nice to see you come by!

 

[Judique]

Called my DD who mostly ignores the Amex offers and was able to get her to add the Staples offer and the Lowes offer which came out a while back. She had Lowes 10% up to $100. So that's $125 more off my dues as I'll use her cards to get gift cards sometime before they expire.

 

[snugglebug]

That sounds good!! I downloaded the Marriott app but, so far, I have not been able to enter my reservation number. It keeps getting rejected, maybe because I booked it through Chase travel? I guess it won't work for me on this trip. Maybe next time, lol.

I've found the Marriott app to only work sometimes. I love the Hilton app though.

I feel like I have booked via Chase and added the reservation to Marriott app at least once, but I don't remember the details.

 

[platamama]

I'm going through a refinance now, and the closing disclosure documents have a HUGE typo. In it, I'm expected to come to closing with over $1.2M in cash...suffice it to say, my loan is far less than that!!! It's been two weeks since I brought it up to my loan officer (and I've emailed him three times in the interim), and it still hasn't been corrected. Grr.

 

[elgerber]

I'm going through a refinance now, and the closing disclosure documents have a HUGE typo. In it, I'm expected to come to closing with over $1.2M in cash...suffice it to say, my loan is far less than that!!! It's been two weeks since I brought it up to my loan officer (and I've emailed him three times in the interim), and it still hasn't been corrected. Grr.

Wow!!! as a loan processor that is shocking! We would have responded to, and corrected that within the hour.

 

[Hoosier John]

I'm going through a refinance now, and the closing disclosure documents have a HUGE typo. In it, I'm expected to come to closing with over $1.2M in cash...suffice it to say, my loan is far less than that!!! It's been two weeks since I brought it up to my loan officer (and I've emailed him three times in the interim), and it still hasn't been corrected. Grr.

Sounds like a REALLY nice house you have!

 

[platamama]

Wow!!! as a loan processor that is shocking! We would have responded to, and corrected that within the hour.

Thanks for commenting! I didn't know if the snail's pace they're taking is common for the industry, but from what you said it seems that what I'm experiencing is slower than what it should be. I'm not sure what I should do at this point besides bug my LO more.

 

[Judique]

I've found the Marriott app to only work sometimes. I love the Hilton app though.

I feel like I have booked via Chase and added the reservation to Marriott app at least once, but I don't remember the details.

I messed around with the Marriott App in December when I booked 2 separate nights for family.

Downloaded the App and did online check in at both. Did not see a room number until after checkout when it could be seen on the folio. All of my information was on the App so I was expecting to receive the room number in advance. So, in effect it didn't really work other than it acknowledged the online check in.

 

[platamama]

Sounds like a REALLY nice house you have!

LOL! I'm actually supposed to be receiving cash at closing, so this is 180 degrees the wrong direction!

 

[Judique]

Please advise as I'm about to do this....

I've never had a CIC. I have a CIP I'm needing to downgrade. I want to get a signup bonus on the CIC at some point, but with the elevated MSR right now I can't swing it. I can downgrade my CIP to a CIC and still get a SUB later, right? Would I cancel the CIC when I want to get the SUB and reapply? Or would I change that to a CIU and then get the CIC? Another group I'm in is saying you can't get the CIC SUB if you PC to it before having it.

I think that's an Amex rule, not a Chase rule.

 

[ten6mom]

Grateful to have been auto-approved for a CIC just now... I apparently have a large sum of money that I'm going to have to pay soon on my car (it's going to hit 200K miles next week!!!) so I'll definitely need a new MSR. I struggled a bit with this one last time so fingers crossed!!

I understand actual delivery has been rather slow in recent weeks but I shall hope for good luck!

 

[stitchfan18]

You have to hit the 10 before you get anything. I had 2 purchases to get to the 10 on my surpass and never got an email. The terms say purchases totaled of 10 or more so it won't partially credit.

Thanks, I'll try a chick-fil-a reload for the remaining amount today to see if it triggers the credit

 

[tink1970]

Thanks, I'll try a chick-fil-a reload for the remaining amount today to see if it triggers the credit

I have reloaded $10, $15 and $20 on my cfa app and all three triggered . Then, for my $5 credit I just bought breakfast since the minimum reload is $10. Love my CFA!

 

[stitchfan18]

I was able to add the staples offers on our 2 Bonvoy Biz cards. Do they sell Disney GC usually or just $100 VGC? I'm assuming DH will be the first one to leave the house that can stop by, so I need to know what to tell him to get.

 

[stitchfan18]

I have reloaded $10, $15 and $20 on my cfa app and all three triggered . Then, for my $5 credit I just bought breakfast since the minimum reload is $10. Love my CFA!

I found out about the $10 minimum when I went to reload, but CFA just opened in our town, so now we have a reason to go!