I love credit cards so much! v5.0 - 2022 (see first page for add'l details)

[afan]

Landed at SNA. Bff's plane just landed and we are off to dlr for a long weekend!

 

[palhockeymomof2]

2/3 of the way done with MSR on the CIC I was approved for exactly one week ago! I'll have to wait for the statement to close and pay so that I can put the remaining $2K on it, as I'm at the $4K limit now with our appliance purchase. (Right? Chase wouldn't like the idea of paying if off now and putting another 2K on it before the statement even closes?) Also, the new account bonus tracker FINALLY showed up today in the app, so it took a week for me, in case anyone else is wondering where their's is.

You’ll be fine paying it off once and putting the remaining 2k on it……...if you have any other Chase business cards you could transfer some of the CL to the new card

 

[Crazed4DisneyinSC]

I’ve actually done this multiple times this past year on several Chase MSRs and have never had an issue with it. Chase actually increased my credit limit because of it.

I think it's ok if you don't make a habit of it. I did the same on my last CIC. I usually pay it down, not completely. Currently working on DH CIC with a $5k limit. SMd to move $2k credit from his CIU to get $7k total credit on the new card.

You’ll be fine paying it off once and putting the remaining 2k on it……...if you have any other Chase business cards you could transfer some of the CL to the new card

Thanks ya'll! I will go ahead and do that then (maybe I'll pay just half so I can put another $2K on it). It shows my statement doesn't close until Dec 24, and I could sure make a lot more purchases between now and then, LOL.

 

[amcc]

I just got an offer from AmEx to open a biz bank account and get 30k MR. Need to transfer in $5k, keep it there for 60 days and perform 10 transactions (ACH, Wire, and Bill Payments only). Is this a decent offer? Can the account be opened online? It sounds like I could just transfer a few dollars 10 times and it would qualify; can it be that simple?

​

WE’RE OFFERING THE OPPORTUNITY TO EARN 30,000 MEMBERSHIP REWARDS® POINTS1​

when you open an American Express® Business Checking account and perform qualifying activities.​

I read the condition and don't think it's for me. Way too much info required:

In order to open American Express® Business Checking, you will need:
• Your Employee Identification Number (EIN) or Taxpayer Identification Number (TIN)
• Your Articles of Organization or a Certificate of Formation
• Information from a Driver’s License, State I.D., or Passport for each owner
• A Social Security Number (SSN) and ID verification for any Beneficial Owner with ownership of 25% or more
• A “Doing Business As” (DBA) certificate only if your business operates under more than one name
• A U.S. business address
• Information about your industry, size, and the purpose of your accou

Did you just do ACH transfers from your primary bank account to get to 10 transactions? It sounds like a good way to earn 30K MRs and long as I don't have to spill the beans about my biz.

It was that easy. Opened online with no real questions about my business. The two test payments from my bank to Amex when I linked accounts even counted towards the 10 transactions.

 

[*WDW*Groupie*]

@amcc @happ Thank you so much! Account opened and I've tested a transfer of $10.00. Once that posts I'll send over the $5k.

It was that easy. Opened online with no real questions about my business. The two test payments from my bank to Amex when I linked accounts even counted towards the 10 transactions.

Was there a way to track your transactions that count towards the 10 required?

 

[elgerber]

@amcc @happ Thank you so much! Account opened and I've tested a transfer of $10.00. Once that posts I'll send over the $5k.



Was there a way to track your transactions that count towards the 10 required?

If the account works correctly (unlike mine), you will have a tracker that will tell you when you meet the 10 transactions.

 

[mmmears]

Putting together a trip to Paris for March. (We have decided to postpone Scotland until the summertime.) For Disneyland Paris, recommended hotel? I was looking at New York- The Art of Marvel. Thoughts on going directly to DL for 2 nights (Sun-Tues). Is the dining plan worth it? I was planning to use the DL transport from CDG. 5 nights at Park Hyatt (Tues-Sun). Will it be difficult to take the train into Paris with luggage? Our flight home is at 9:30 am on Sun so deciding whether to just spend Sat night closer to the airport. Would you head to DL first or at the end? Can I use Disney GCs to pay for DL Paris?

I have been all over the place with this 16th birthday trip. I wanted Rome but flights weren’t aligning so Paris it is. I loved Paris when DH and I went many, many years ago so I am happy to return.

We stayed at the PHPV and took the train to DLP for the day. It was an easy walk from the hotel. We didn't have any luggage with us, but the train ride wasn't bad at all. We went (on the spur of the moment) towards the end of our trip when we just wanted a fun afternoon.

Landed at SNA. Bff's plane just landed and we are off to dlr for a long weekend!

Yay! Have a fantastic time at DL!

 

[sinnika]

Putting together a trip to Paris for March. (We have decided to postpone Scotland until the summertime.) For Disneyland Paris, recommended hotel? I was looking at New York- The Art of Marvel. Thoughts on going directly to DL for 2 nights (Sun-Tues). Is the dining plan worth it? I was planning to use the DL transport from CDG. 5 nights at Park Hyatt (Tues-Sun). Will it be difficult to take the train into Paris with luggage? Our flight home is at 9:30 am on Sun so deciding whether to just spend Sat night closer to the airport. Would you head to DL first or at the end? Can I use Disney GCs to pay for DL Paris?

I have been all over the place with this 16th birthday trip. I wanted Rome but flights weren’t aligning so Paris it is. I loved Paris when DH and I went many, many years ago so I am happy to return.

Unfortunately you cannot use Disney gift cards at DLP. Both times we went there we stayed at Airbnb’s so can’t offer a hotel recommendation but both times had lovely apartments. Unless you are traveling light, train travel can be a bit challenging with luggage. Many times there is not an elevator or one working so you may be carrying luggage up and down stairs. I’m now looking at a stylish backpack to replace my everywhere bag as my personal item for European travel.

 

[happ]

Did you just do ACH transfers from your primary bank account to get to 10 transactions? It sounds like a good way to earn 30K MRs and long as I don't have to spill the beans about my biz.

I did ACH and bill pay for the transactions.

 

[djmeredith]

Putting together a trip to Paris for March. (We have decided to postpone Scotland until the summertime.) For Disneyland Paris, recommended hotel? I was looking at New York- The Art of Marvel. Thoughts on going directly to DL for 2 nights (Sun-Tues). Is the dining plan worth it? I was planning to use the DL transport from CDG. 5 nights at Park Hyatt (Tues-Sun). Will it be difficult to take the train into Paris with luggage? Our flight home is at 9:30 am on Sun so deciding whether to just spend Sat night closer to the airport. Would you head to DL first or at the end? Can I use Disney GCs to pay for DL Paris?

I have been all over the place with this 16th birthday trip. I wanted Rome but flights weren’t aligning so Paris it is. I loved Paris when DH and I went many, many years ago so I am happy to return.

This was almost my exact trip in August. We went straight to DLP for 2 nights and then to PH for 3 nights. I booked a car service from the airport to DLP. I probably paid more than Uber, but I wanted the reliability of knowing someone from a company recommended on here would be there waiting. We stayed at Sequoia and it was fine. I chose the closer/main building room option (whatever they call it). We lucked out and got a room close to the elevators that were very close to the back door out to the walkway. It was a little nicer than a Disney value level, but not much. We weren't in the room much so it was fine. If I had it to do over again, I would probably spring for the Marvel hotel. It's closer and a lot nicer.

tried to get a car reservation last minute but the ones I trusted were booked, so I used Uber. It was fine.
I had planned on taking the train into Paris, but after taking the train one day to get some medicine at the Val d'Europe mall, I knew there was no way I wanted to mess with my bags on the train. Caveat, I was gone for 3 weeks and over packed (big mistake). I had a huge suitcase, a small one, and my soft sided carry "personal item" bag. Never again!

As a PP said, the Opera station is very close to the PH. It would be easy to walk from the station to the hotel with bags as long as you can get them up the steps. We loved the PH!

 

[djmeredith]

My HIlton Honors Biz annual fee just hit and I need to decide whether to keep it or not. I will be staying at some Hilton's next year because I have a bunch of points. However, the only real benefit to me is the Gold status that comes with the card. If I have Gold status this year with that card,will my Gold status carry over for next year if I cancel the card? It says if you earn Gold it's for that year and the next. However, I am not sure if that is true if my status wasn't "earned" but was from the card.

 

[afan]

Was able to book Tokyo station hotel for my trip now I just need the two hiltons to open their sept dates and I'll have everything points related booked.

 

[miztressuz]

Thanks ya'll! I will go ahead and do that then (maybe I'll pay just half so I can put another $2K on it). It shows my statement doesn't close until Dec 24, and I could sure make a lot more purchases between now and then, LOL.

Are you sure that's the statement date and not the payment date? Although not unheard of, that seems too long for a statement and usually they don't show the first statement closing date. However if it does say payment date, then you can extrapolate it like you can personal cards. If your payment is due in Dec 24 then you'll probably have a closing date around Dec 2. (For Ink cards you add 6 days to the due date for the statement close date. Most other cards it's 3 days. Chase doesn't close statements on the 29, 30, or 31 day of a month so skip those dates on the math.) My Ink that's due on the 23rd closes on the 1st every month.

 

[Crazed4DisneyinSC]

Are you sure that's the statement date and not the payment date? Although not unheard of, that seems too long for a statement and usually they don't show the first statement closing date. However if it does say payment date, then you can extrapolate it like you can personal cards. If your payment is due in Dec 24 then you'll probably have a closing date around Dec 2. (For Ink cards you add 6 days to the due date for the statement close date. Most other cards it's 3 days. Chase doesn't close statements on the 29, 30, or 31 day of a month so skip those dates on the math.) My Ink that's due on the 23rd closes on the 1st every month.

LOL you are right. “Payment due date” is Dec 24. I don’t know why I read it as statement date. thank you for clarifying, and good to know my statement close date will probably be Dec 2nd +\-. My only excuse is that it’s been such a long day from the delivery of to the hooking up of these new appliances, moving the old appliances out to our detached garage for now (in the Nicole pouring rain), transferring everything from one fridge to the other, removing our range hood and installing an over the range microwave, etc. All while pet sitting a puppy that is the most rambunctious thing ever. What was I thinking, lol. I must admit, I also did not think about the installation when we bought the entire suite of new appliances… it’s like all glitter and rainbows when you pick them out at the store and imagine them in your house, but I definitely glossed over the hard work aspect of it, lol. I guess that’s what installation people exist for. There definitely comes a point in my life (I think it’s soon ) where I’ll be willing to just pay someone else to do this for us!

 

[hsmamato2]

I did go through a dummy booking - they are offering introductory $29 fares between RDU and MCO which is awesome, but then $$$ for seat selection (I think the cheapest was $12 in the last row by the bathroom ) and $40 for a carry-on bag. Still a good deal, but not sure I’ll pull the trigger.

they've been in my area for well over a year now,and still have super cheap rates to/from Fl and some other places.

 

[LilSweetPeaPhoto]

So I closed my IHG Traveler card via SM yesterday, or tried to. I got a call from Chase and the rep was like, well I see you have the IHG biz card which does offer better benefits, but why are you closing the traveler card? I'm like I have the IHG premier card that offers better benefits too! I don't need 3. He's like I guess I can respect that. Then he's like okay, I'll move your CL to your Freedom card. I'm like no, I'd like to just lose the CL. He's like are you sure? Most people want to keep as much CL as possible. I'm like, I'm about to open a new card, so I'd like to not have it transferred, LOL. I mean I also asked via SM to drop my $17.5k limit on my CFF to $5k, LOL. I have a $12k limit on the premier, I didn't lower that, thinking i have that to move around if needed.

My HIlton Honors Biz annual fee just hit and I need to decide whether to keep it or not. I will be staying at some Hilton's next year because I have a bunch of points. However, the only real benefit to me is the Gold status that comes with the card. If I have Gold status this year with that card,will my Gold status carry over for next year if I cancel the card? It says if you earn Gold it's for that year and the next. However, I am not sure if that is true if my status wasn't "earned" but was from the card.

I opened the Aspire in 12/18 and closed it 1/20. I'm STILL rocking the Diamond status until March of 2023, LOL. So I think there is a decent chance you can keep it through 2023, LOL.

 

[*WDW*Groupie*]

My HIlton Honors Biz annual fee just hit and I need to decide whether to keep it or not. I will be staying at some Hilton's next year because I have a bunch of points. However, the only real benefit to me is the Gold status that comes with the card. If I have Gold status this year with that card,will my Gold status carry over for next year if I cancel the card? It says if you earn Gold it's for that year and the next. However, I am not sure if that is true if my status wasn't "earned" but was from the card.

Call for a retention offer. I got my AF covered last year on the card. I rarely use it, but it's definitely nice to have to get 10X HH points on stays; unless you have another Hilton card (I don't, but am eyeing the Surpass when I drop to 2/24 next month).

 

[FreeDiningFanatic]

Saks and Dell are at 11%, today only. Many other retailers...

 

[georgina]

Got an email offer to upgrade one of my Freedoms to a Sapphire Preferred. Offer includes $95 statement credit if I make a purchase before the end of the year and this -

Upgrade today to access the full suite of Sapphire Preferred benefits, including an account anniversary bonus equal to 10% of your total purchases made the previous year​

This was news to me. 10% bonus! Then I looked it up and saw this on the chase website -

if you spend $25,000 on purchases, you'll get 2,500 bonus points.

So, it's $25-31 back for $25,000 spend. That's a 0.1% bonus. I am happy being an AU on DH's CSR for now, I will be eligible to apply for a new CSP next fall.

 

[GZanta77]

@AmyAnne - you were asking a couple weeks back about LLBean discounts - they have 10% off this weekend.

Plus if you have any Discover cashback available - you can redeem for LLbean ecerts at 15% off. (Used to be 20% but I guess they reduced it).