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

[FreeDiningFanatic]

@cdurham1 Here's a good write up from FM about finding a dealership which will accept cc and buying online in this market. I found it useful.

 

[FreeDiningFanatic]

For those, like me, who have been working with separate biz and personal logins for Chase, it's now possible to link those together for a single login, yourself online, without having to call into Chase. Info here

 

[Mulliganman30]

I don't have the card, but if it's a MC you can use it for mortgage. VI are a no go. On my Citi cards that are MC, yes, spend on Plastiq toward mortgage counted toward MSR.

Thank you for responding. How long ago was your data point that it counted?

 

[CyndiLouWho]

I'm sorry about your new furnace need! I've been following your SW CP path and have a question- did you do the Biz first and then personal rather than 2 biz or 2 personal? I've got the Biz in Dec. and am leaning toward just the personal since that's all I really need, but I know that's not always the recommended path for future options. Just curious about why you chose to go this route.

I did the Biz in November, Personal in January (last week). Faster than usual pacing. I was 1/24 and know my credit is great. Lowered my credit limits about 2 weeks ahead of second application. I didn't need the increased spend from a biz card (although in hind sight, I've now spent that on one purchase) and went with the cheapest personal card. My usual spending in January/February is low after all the Christmas spending. IMO the disadvantage to this method is the low bonus on the personal cards. However, I figured I'd only need a couple thousand extra points by the time I completed both MSRs. I feel like I have more trouble with biz apps. YMMV.

 

[softballpooh]

I did the Biz in November, Personal in January (last week). Faster than usual pacing. I was 1/24 and know my credit is great. Lowered my credit limits about 2 weeks ahead of second application. I didn't need the increased spend from a biz card (although in hind sight, I've now spent that on one purchase) and went with the cheapest personal card. My usual spending in January/February is low after all the Christmas spending. IMO the disadvantage to this method is the low bonus on the personal cards. However, I figured I'd only need a couple thousand extra points by the time I completed both MSRs. I feel like I have more trouble with biz apps. YMMV.

Thanks for sharing! It’s helpful to hear other perspectives. While I don’t need the extra points, I’m at 4/24 so it makes the most sense for me to try for the biz.

 

[elgerber]

For those, like me, who have been working with separate biz and personal logins for Chase, it's now possible to link those together for a single login, yourself online, without having to call into Chase. Info here

I did this last week, worked perfect! Too bad we can’t link to P2 to make that points transfer easy

 

[LB002]

@disneybirds I just got e-mail that Delta Vacations vouchers are being extended.

"Your Delta Vacations voucher will be extended through December 31, 2023, for travel throughout 2024. "

I got that too! I have $25 or something from that double point offer in 2019. Hopefully we will *finally* use the Disney tickets I got through that offer in April! Our March 2020 trip was cancelled when everything shut down, and every time we rebook we have to cancel.

 

[platamama]

Thank you for responding. How long ago was your data point that it counted?

It was June 2021 on a biz Citi card. I picked travel as my 3% category and got 3% cash back. Not all mortgage companies code as travel though, YMMV.

 

[EACarlson]

Cool. Going somewhere fun?

My wife and I have always told our kids when they turn 10 we will take them wherever they want to go in the US. My oldest turns 10 in November, he chose San Diego because he really wants to go to the San Diego Zoo. 5 nights at the Hilton Harbor Island for 174,000 points.

 

[reliev]

I got that too! I have $25 or something from that double point offer in 2019. Hopefully we will *finally* use the Disney tickets I got through that offer in April! Our March 2020 trip was cancelled when everything shut down, and every time we rebook we have to cancel.

this is how I am going to France first time I thought the 2x was worth it! lol was for a canceled Disney land trip that we'll be doing in 2023!

 

[TheOneWithTheTriplets]

I feel like this is a dumb question so asking for grace from the start... I have the SW Biz card. I earned points this statement. I have a RR account that I assumed was linked to my Biz card since I used it when I applied. How come the points from my Biz card aren't in my RR account? Do I have to transfer them over to the RR account somehow?

And the SUB points won't post until after closing statement date, correct? Not as soon as I get to the min. spend.

When did your statement close? Mine took 5 days to post over from my first statement close. I understand that's a little longer than average.

And yes, SUB posts at same time as the rest of the earnings, a little after statement close.

 

[hsmamato2]

I did the Biz in November, Personal in January (last week). Faster than usual pacing. I was 1/24 and know my credit is great. Lowered my credit limits about 2 weeks ahead of second application. I didn't need the increased spend from a biz card (although in hind sight, I've now spent that on one purchase) and went with the cheapest personal card. My usual spending in January/February is low after all the Christmas spending. IMO the disadvantage to this method is the low bonus on the personal cards. However, I figured I'd only need a couple thousand extra points by the time I completed both MSRs. I feel like I have more trouble with biz apps. YMMV.

This is similiar to my thoughts..... I hit the Biz on 1/2 and the personal a day later. Hit spend as soon as I got the expedited cards on my insurance/tax bills. ( ) I wasn't keen on 2 biz b/c it gives me agita dealing with 'biz' apps too much. I did the same with the personal, just to hit the CP threshold easily since the bonus wasn't so hot.

 

[sinnika]

I can’t seem to find a support link for the united business card with the increased sub of 150,000 miles. I sent myself a link from my personal card and it only shows 75,000 miles. Any tips? My P2 has a personal United card and I was hoping to use his link.

 

[Arcades]

I can’t seem to find a support link for the united business card with the increased sub of 150,000 miles. I sent myself a link from my personal card and it only shows 75,000 miles. Any tips? My P2 has a personal United card and I was hoping to use his link.

https://www.theexplorercard.com/bus...=H8X&AFFID=pngc6t7Ewoo-qWzCRN0ZrE.LvfGWO7v4sA (Note: TPG link)

 

[palhockeymomof2]

I feel like this is a dumb question so asking for grace from the start... I have the SW Biz card. I earned points this statement. I have a RR account that I assumed was linked to my Biz card since I used it when I applied. How come the points from my Biz card aren't in my RR account? Do I have to transfer them over to the RR account somehow?

And the SUB points won't post until after closing statement date, correct? Not as soon as I get to the min. spend.

When did your statement close…my RR points post to my RR account the same or day after my statement closes.
my second SW business card closed overnight and the points are in my RR account now.

 

[sinnika]

https://www.theexplorercard.com/bus...=H8X&AFFID=pngc6t7Ewoo-qWzCRN0ZrE.LvfGWO7v4sA (Note: TPG link)

Thanks! So it looks like a support link does exist. Wonder if the person has to already have received the increased sub in order to get the increased support link. I checked the Reddit site but couldn’t find any increased 150,000 mile support link there.

 

[FreeDiningFanatic]

My wife and I have always told our kids when they turn 10 we will take them wherever they want to go in the US. My oldest turns 10 in November, he chose San Diego because he really wants to go to the San Diego Zoo. 5 nights at the Hilton Harbor Island for 174,000 points.

Enjoy! Coronado Island is worth a visit and the meat eaters in my fam would say Phil's bbq is a must do in San Diego.

Oh and I was supposed to update you on MKE. It seems pretty much business as usual there. Everything seems open, Starbucks, Aunt Annie's, Pizzeria Picola, etc and are doing a healthy business. TSA Prescheck lines have been very, very small and regular lines have seemed average. We haven't had cancellations to any of our SW flights, knock on wood.

 

[softballpooh]

When did your statement close…my RR points post to my RR account the same or day after my statement closes.
my second SW business card closed overnight and the points are in my RR account now.

Statement closed Jan. 7 and on my Chase login it says I have 4315 RR points. When I click the link to view my RR account it says I only have 1594 points.

 

[becauseimnew]

Doc is reporting 150K Amex Plat SUB via referrals. Was going to try to snag it for DH but highest I can pull is 125K.

 

[afan]

My grubhub order from Monday didn't trigger an email for my gold and the credit hasn't posted. Has anyone ised their dining credit successfully this month? Haven't seen anyone posting issues on r/churning.