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

[trenty]

Yes you will be able to get Disney cards with the free pass. I did it when they had the bigger discount offer around the holidays. No problems at all.

Thank you!

 

[trenty]

I do not see a $10 online membership. Just a free one day membership.

I looked before because I have had the $10 online membership in the past. It doesn't seem to be an option anymore.

 

[palhockeymomof2]

I do not see a $10 online membership. Just a free one day membership.

Mine was a renewal in November

 

[EACarlson]

I was planning on signing up my college freshman on CK, but then noticed that since she's an AU on my Amex card, if I log into Amex as her, it tracks her credit score. She's also an AU on one of my Chase cards but since there is no separate log in, I don't know if they have that feature.

She should be able to sign up for Chase Credit Journey, no Chase account required.

Yep, my may flights got all screwed up.

I see a lot of posts here about Credit Karma. Is there anything better about that than Experian or Lifelock? After DH's chase cards and gmail (what a freaking nightmare) got hacked a couple of years ago we signed up for lifelock and I have the free experian one. Do I need CK too?

Also, what are the best blogs or sites to read about the different cards and such? The only one I really know about is TPG. I've been following along here, but I'm a nerd and I like to read all the things lol

Credit Karma is useful for checking what is being reported. I think for most of us it is duplicated in a few different places. Personally I use Credit Check Total which is now Experian. If I really want to keep a closer eye on things I will use one of the 30 day free trials to the higher subscription service, otherwise the free one works for most of what I want. The biggest difference between them is that CK actively monitors and will send you alerts, Experian just lets you know when you log in.

 

[afan]

I transferred credit from my DL card to Surpass and it was no problem. Then I did the same Aspire to Surpass and they said I'd get a response in writing in 7-10 days. Did they not like that I did them a couple minutes apart. I don't get it. Both the DL and Aspire had 10k limits and the Surpass only 3 and I want it to have 10k so I took 3 and then 4 since I didn't want to leave either of the other cards at 3k. I hope it's not an issue and I'm stuck with it only being 6. I guess I'll see what happens and call if I have to.

 

[AmyAnne]

Yes, 30 days. Did you try for retention already?

Thanks. I have not tried for a retention offer (yet?) because I did get one last year. Everything I've read seems to say that AmEx does not give retention offers two years in a row. Also, there's been minimal spend on this card, although I'm not sure how much that factors into a retention offer.

 

[wanderlust7]

Thanks. I have not tried for a retention offer (yet?) because I did get one last year. Everything I've read seems to say that AmEx does not give retention offers two years in a row. Also, there's been minimal spend on this card, although I'm not sure how much that factors into a retention offer.

Usually it needs to be at least 13 months since you got your last retention.

I've gotten retention on cards I've hardly spent on. But who knows what their algorithm is.

 

[afan]

Got both my ANA flights fully cancelled and will get my taxes and miles back. Virgin's miles no longer expire so I can leave the 90k there until I decide what to do with them.

Rebooked on DL in premium whatever, so no lie flat but at least it's better than a reg seat. Back to leaving on the day I wanted which is nice but I need to call hyatt to drop a night on the reservation.

Transferred some MR to DL to top off what I needed for this, thank goodness for that DL card I got on a whim a couple months ago. And since I was oging to have to pay some, though I used points for it, I transferred enough for a domestic flight so I at least have it. Will need to figure out a way to get more miles, maybe a biz card.

Still hopeful but glad to be able to pivot with a plan b that didn't hurt any plans etc.

 

[elgerber]

Woohoo, instant approval for P2 on CIU with a $6k credit line!! First instant approval for P2 in awhile, and finally a credit line higher than 3000.

 

[palhockeymomof2]

Woohoo, instant approval for P2 on CIU with a $6k credit line!! First instant approval for P2 in awhile, and finally a credit line higher than 3000.

Congrats

 

[trenty]

Questions for those of you who buy DGC at BJs:

How much does BJs sell $100 DGC for?
Do they ever go on sale (bigger discount)?
I have two Chase offers - 20% up to $20 and 10% up to $10. What is the best way to maximize the discount without buying "too much?"
(I don't want to buy a $500 GC and get only $20. I would want to spend $200 and $100 or as close to those amounts as possible, not going over by too much if that makes sense.)

TIA

 

[Judique]

Questions for those of you who buy DGC at BJs:

How much does BJs sell $100 DGC for?
Do they ever go on sale (bigger discount)?
I have two Chase offers - 20% up to $20 and 10% up to $10. What is the best way to maximize the discount without buying "too much?"
(I don't want to buy a $500 GC and get only $20. I would want to spend $200 and $100 or as close to those amounts as possible, not going over by too much if that makes sense.)

TIA

I'm also waiting to hear how much they sell the $100 gift card for.

I would buy 2 of the $100 gift cards, getting almost $20 off one and almost$10 of the other for almost $30 off $200. This would include whatever the discount is. Also whatever the points for using the cards are worth. Depending on what the discount is, I might buy a small item of that value, if I could find something I wanted.

If I were a regular BJ's customer, I would just buy any $100 card up to the offer value and whatever my regular shopping was would pick up the discounted pennies.

 

[snugglebug]

Not a BJs member so I can't verify how up to date these numbers are, or if they differ online vs in store, but GC thread is maintained nicely and this is on page 1.

https://www.disboards.com/threads/updated-disney-gift-card-deals-and-more.3784942/post-61398372

• $500 for $479.99
• $150 (3 x $50) for $144.99
• $100 for $96.99
• $50 for $48.49
• $25 for $24.49

 

[calypso726]

Which card did you see the 20 percent on? I do have the 10 off across some cards. I think I will
sign up for the online membership you recommended. I havent ordered from Bj's in a long time
but it was free! To maximize the 10 dollars should i order one 100 and one 25 card? (i can't see
the discounted prices)

I didn’t have the 20% ones just the 10% ones.

Yeah - I had the $10 online membership in the past. It doesn't seem to be an option anymore.

I guess they discontinued them. Mine was on automatic renewal and is going to expire next January. If it doesn’t renew at the $10 amount, I will either look for a coupon code for a new membership or cancel.

Questions for those of you who buy DGC at BJs:

How much does BJs sell $100 DGC for?
Do they ever go on sale (bigger discount)?
I have two Chase offers - 20% up to $20 and 10% up to $10. What is the best way to maximize the discount without buying "too much?"
(I don't want to buy a $500 GC and get only $20. I would want to spend $200 and $100 or as close to those amounts as possible, not going over by too much if that makes sense.)

TIA

The amounts that @snugglebug listed are correct. Yes, sometimes they do go on sale for a higher discoun

Not a BJs member so I can't verify how up to date these numbers are, or if they differ online vs in store, but GC thread is maintained nicely and this is on page 1.

https://www.disboards.com/threads/updated-disney-gift-card-deals-and-more.3784942/post-61398372

• $500 for $479.99
• $150 (3 x $50) for $144.99
• $100 for $96.99
• $50 for $48.49
• $25 for $24.49

These discounted prices are correct. Just logged into BJs to see

 

[CyndiLouWho]

For anyone with SW flights booked in May…they are now changing the schedule around ….

They've moved into June as well. Got an email our 6/3 flight was changed. Had the only nonstop booked, now there are no nonstops MDW to BUR. Rebooked all of us. Of course, that is not the flight I wanted changed because I screwed up.

 

[snugglebug]

I had a BJs online membership that expired Nov 2020. I just logged in and was given the option to renew at $10. Trying to decide if it's worth it. I need to check cards again, I only noticed 10% up to $10 on 2 cards this morning.

If you previously had an online only acct you might try logging in and check to see if you can renew. I did not proceed, but I'm looking at a checkout button and $10.

 

[DaveL]

SW is now changing June flights, Jun 1st just changed from 8AM departure to 5AM and about a 4hr trip is now 8.5hrs. I just booked a new flight later in the day since it was about 4k a ticket *3 cheaper and if I recall correctly doing a change now I would not get anything back unless I called. I'll cancel the old booking in the morning if this new flight hasn't been removed by then. Odd that the flight they put us on does not exist according to the website.

 

[lsutigers03]

My experience with BOA and my son getting a BOA card when he started college dates back to 2005 when they were giving out credit cards to college kids like candy…he had no problem getting a card then..it did have a $500 CL….no idea how hard/easy it is now

This was my experience as well. My first card was BOA with a $500 limit. It was 2001 when I was a freshman in college.

 

[trenty]

I had a BJs online membership that expired Nov 2020. I just logged in and was given the option to renew at $10. Trying to decide if it's worth it. I need to check cards again, I only noticed 10% up to $10 on 2 cards this morning.

If you previously had an online only acct you might try logging in and check to see if you can renew. I did not proceed, but I'm looking at a checkout button and $10.

Thank you! I just logged in as you suggested. I was able to renew for $10 even though my membership expired in 2019.

 

[jujubiee4]

Questions for those of you who buy DGC at BJs:

How much does BJs sell $100 DGC for?
Do they ever go on sale (bigger discount)?
I have two Chase offers - 20% up to $20 and 10% up to $10. What is the best way to maximize the discount without buying "too much?"
(I don't want to buy a $500 GC and get only $20. I would want to spend $200 and $100 or as close to those amounts as possible, not going over by too much if that makes sense.)

TIA

I think i would buy the 100 and 25 to not got over too much? or maybe just the 100 I only have the 10%. *DH got the 20. Lucky you to have 20!