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

[hsmamato2]

My first thought of marble is "slippery". As someone who has slipped on wet surfaces twice and broken bones, I am super paranoid about wet slippery surfaces.

I don't think anyone is more paranoid about slippery tile than I am.... When DS1 was a toddler he ran into a public bathroom that had been freshly mopped,smashed his little front teeth out,had to undergo 2 dental surgeries to remove it all.... and had no front teeth till he was 8 years old as a result..... Now I can't have slippery surfaces anywhere we live,or vacation,or visit. It's a phobia still for me 25+ years later..... (drives my DH crazy that I would only allow certain flooring in our home) so when I see marble or shiny floors I just cringe inside..... vinyl flooring has a nice 'cushion' to it if someone falls. (I'm such an old lady)

 

[WVMomof3]

Can you load you biz cards to Dosh? I tried adding my CIC last time it was elevated offer at Office Depot and it said it could not be added. Wondering if I did something wrong or if I should try again.

 

[Haley R]

it's been a while since I've been there but the boardwalk bakery used to have the most AMAZING giant puffy cinnamon rolls..... I have many fond memories of solo early morning treks over there from Dolphin to get my favorite treat......

We’re going tonight after ds’s second nap and definitely have plans to visit the bakery while we’re there. I could use a good cinnamon roll lol

 

[ep1229]

By any chance did you make them authorized users on any of your cards? This usually helps when it comes to CC applications.

Have you called reconsideration? I mean the applicants call but they could authorize you to speak and you could find out why they weren't approved. I would want to find out what the reason for denial was, especially considering it was a student card.

Once you have more info and if it is still a no go with Chase, it might be a good idea to try for a secured card with your bank.

Chase has been approving (in the past) 18yo's. That was before the student card.

Another question - do your 18yo's have any kind of job or did they work anywhere during this past summer?

I’ll try calling today. They are AU for my Amex card. I did just add them to be AU for my CSP. They don’t currently have a job but they will once school starts with work study. They did childcare but at someone’s home.

 

[WVMomof3]

DDs tuition is technically due today and we still have not received financial aid notice. Very stressed about it. We did get notice that is taking longer and don't worry about due date, but I am wondering why on year 4 it is taking so long. Ughhh, DS's family contribution did go up which I thought it would since we have 2 kids instead of 3, but am worrying about hers since it is taking so long. Have seen others on the parent page mention theirs hadn't posted as of a few weeks ago but most said theirs finally showed up. I guess I procrastinated too long in getting a new CC for DS's tuition as it is due next week.

 

[WVMomof3]

I’ll try calling today. They are AU for my Amex card. I did just add them to be AU for my CSP. They don’t currently have a job but they will once school starts with work study. They did childcare but at someone’s home.

I still like student Discover as the first card. They seem to be the most lenient with student income.

 

[Limes96]

DDs tuition is technically due today and we still have not received financial aid notice. Very stressed about it. We did get notice that is taking longer and don't worry about due date, but I am wondering why on year 4 it is taking so long. Ughhh, DS's family contribution did go up which I thought it would since we have 2 kids instead of 3, but am worrying about hers since it is taking so long. Have seen others on the parent page mention theirs hadn't posted as of a few weeks ago but most said theirs finally showed up. I guess I procrastinated too long in getting a new CC for DS's tuition as it is due next week.

I’m also waiting for my DS’s academic scholarship to post to his account. Tuition was officially due last week, and I paid all but the amount the scholarship should be, but I’m continuing to add a vgc to his account each day. I figure he can apply extra to his book charges or spring semester. And worst case, they can direct deposit a refund to my bank account.

 

[WVMomof3]

I’m also waiting for my DS’s academic scholarship to post to his account. Tuition was officially due last week, and I paid all but the amount the scholarship should be, but I’m continuing to add a vgc to his account each day. I figure he can apply extra to his book charges or spring semester. And worst case, they can direct deposit a refund to my bank account.

DS school does not even take Visa so even those would not work for me. Though I guess some are Mastercard, maybe those would work. So weird that they specifically exclude Visa but take MC, Amex and Discover.

 

[Psychodisney]

College student CC question... So both my kids (incoming freshman who just turned 18) got denied for the Chase Student card. Any suggestions on what they should apply for and how soon after the denial can they app for another card?

My kids all started as AU on my cards. Before I knew much about churning, I had my 2 oldest sign up for the Visa cards from their university credit unions. The next year, they were approved by Capital One. For my youngest, she started with Discover. They also have a student card. After having established credit for a year, she was approved for a CF and eventually a SW and a CSP now as a new grad.

 

[Limes96]

DS school does not even take Visa so even those would not work for me. Though I guess some are Mastercard, maybe those would work. So weird that they specifically exclude Visa but take MC, Amex and Discover.

That is weird. It seems like Amex and discover are the cards that are sometimes not accepted at various places.

 

[smallsy]

Referred a friend to CSP to do a MDD. He was approved yesterday for the CSR but said he couldn't apply today using my link and said he thinks they're on to him. Any ideas what might be wrong?

 

[Alexle2007]

I read your post about Puggles in the middle of the night so didn't respond then and now I'm being lazy about looking for it.

Just wanted to say how sorry I am for Puggles that he has to suffer through this. And feeling bad for you and your family as you have become so attached and care for him greatly. As a crazy animal owner and animal lover who has done some wild spending over the years to rescue and save animals, it does my heart good to see how much you care. It took you a while to commit to getting an animal when your son wanted one, and that showed me that you understood the responsibility it would be to take an animal under your roof.

Here's hoping that the possible surgery will work wonders and that in the future you will have many stress free years enjoying the unconditional love that an animal can give their family!

Thanks! It’s so funny before Puggles, I couldn’t imagine spending what I am on vet bills but the sweet boy has definitely stolen my .

 

[havaneselover]

Can you load you biz cards to Dosh? I tried adding my CIC last time it was elevated offer at Office Depot and it said it could not be added. Wondering if I did something wrong or if I should try again.

You should be able to. I have. Although Dosh doesn't credit for me at OD/OM anymore (at least for gift card only purchases).

 

[calypso726]

Thanks! It’s so funny before Puggles, I couldn’t imagine spending what I am on vet bills but the sweet boy has definitely stolen my ♥.

They are definitely little heart thieves The one thing I miss about grooming as a side hustle is getting an in person dog fix.

 

[first*toright]

They are definitely little heart thieves The one thing I miss about grooming as a side hustle is getting an in person dog fix.

So this is like taking up babysitting for people with baby fever? Excellent way to deal with the cravings without succumbing to the addiction

 

[LilSweetPeaPhoto]

Well I asked yesterday via SM for Chase to close my IHG Premier. I saw last night the card was removed from my Apple Wallet, so I know they did. How many days do I need to wait before trying to apply again? I'm heading on vaca next week and wouldn't mind having it to spend on. But I think I also have like $250 to finish on my CIU.

My property taxes are due the first week of September, so I'll be able to knock out the MSR in one shot. Having the MDD spend would be nice, but I really want those IHG points, LOL. And that'll give me the MDD to do around Christmas time, when I spend more, and my mom will gladly let me do her spending too.

After I apply for the IHG, I think I'll look at the refi w/ Amex. I know opening new cards is frowned upon right before. But I also won't be upset if I don't get the refi. My rate is low enough that I'm happy. But if I could refi lower and not have it cost me anything, why not?

I've really been slacking on getting my kids (my 16yo in particular) their passports. I know the wait is super long now. We don't have anything officially planned until her 18th bday in Ireland. I'm debating if I want to get my 12yo a passport now to or not. I guess since I'm getting hers, I might as well get his too. With the new IHG, I can use the GE for her. And if I do the MDD, I can use the CSR GE for my son. Spirit does fly to Cancun, so I mean, I could take them on a trip there.....It probably just makes sense we all have them. And I know my son can cross over to Canada w/o one. But with him playing hockey, I'm sure we'll eventually be doing tourneys there once things get back to normal. So might as well get one I guess. Plus I think w/ GE we can take the faster lines at the border if we all have it.

So this is like taking up babysitting for people with baby fever? Excellent way to deal with the cravings without succumbing to the addiction

I joke the BF is to dogs, like women are to babies! He wants a dog SOOOOO bad. His last dog he had to give to his parents when he got divorced. Dogs and single pilot life doesn't work. He lives too far away for me to kinda take over when he's not here. And I can't take his dog to my place as my DD has terrible allergies. But every dog we see when we're out, he points out and fawns over like women and babies, LOL.

 

[ep1229]

I still like student Discover as the first card. They seem to be the most lenient with student income.

We'll try that. I just called Chase Recon line and they said "no" they won't change the decision. I'll have the kids apply for the discover card. Anyone know if the Debit card from their bank help build credit? It's a MasterCard.

 

[havaneselover]

I'm willing to ship my puppy if anyone needs some dog time. I'll take her back in six months.

 

[Psychodisney]

We'll try that. I just called Chase Recon line and they said "no" they won't change the decision. I'll have the kids apply for the discover card. Anyone know if the Debit card from their bank help build credit? It's a MasterCard.

I don’t think so.

 

[elgerber]

I'm willing to ship my puppy if anyone needs some dog time. I'll take her back in six months.

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The other dog looks like they would prefer the puppy never come back LOL.