miztressuz
DIS Veteran
- Joined
- Feb 23, 2011
- Messages
- 6,877
IMPORTANT NOTE: If you are new, it is highly recommended that you read the first few comments before jumping in here!

Welcome to the "I Love Credit Cards" Thread!!
This is a continuation from our Original Thread which was followed up by our v2.0 Thread, v3.0 Thread, v4.0 Thread and v5.0 Thread.
If you are NEW to this thread, please read the first few comments on this page to find out a little bit about us. However, after that don't try to read through every page. If you want to get a feel for us maybe peruse the last 10-20 pages. This thread moves very fast and information may become outdated
Additional Note: We are like a family here. Some of us have been on the original thread since the beginning and many have been around for well over a year. We know each other's families, travel styles and preferences. The discussion can move fast and furious at times and you may be lost at first. If you ask for advice, don't worry, we will eventually see it and help you! If you don't get a response ask again. And if you see us having fun with each other or making jokes, know that it is ALL out of love!!

Welcome to the "I Love Credit Cards" Thread!!
This is a continuation from our Original Thread which was followed up by our v2.0 Thread, v3.0 Thread, v4.0 Thread and v5.0 Thread.
If you are NEW to this thread, please read the first few comments on this page to find out a little bit about us. However, after that don't try to read through every page. If you want to get a feel for us maybe peruse the last 10-20 pages. This thread moves very fast and information may become outdated

- IF YOU ARE HERE TO ASK FOR ADVICE ON WHAT CARD TO GET NEXT - PLEASE FOLLOW THE FORMAT IN STICKY #2!!! IT WILL HELP US PROVIDE BETTER ADVICE QUICKER.
- ...AND BEFORE YOU DO ANYTHING, READ STICKY#3!!! DON'T MAKE YOUR FIRST CARD A FATAL ERROR!!
- A positive and drama free place to discuss credit card rewards with fellow DISers
- A community of contributors who want to help others travel for free (or at very discounted rates)
- A group of people who are unified in our goal to maximize returns on our purchases but diverse in our goals on what to do with those points
- We have experts in numerous rewards programs frequenting the thread each day including: Chase Ultimate Rewards, American Express Membership Rewards, Citi Thank You Points and virtually every major frequent flyer and hotel rewards program.
- See comment 2 for how to properly ask for advice. Depending on what your travel goals (or financial goals) are, we can assist in creating a customized strategy to generate THOUSANDS of dollars in free travel or cash on your everyday purchases!
- See comment 3 for a caution on why you should ask first and apply later! Don't make an important mistake right out of the gate!!
- This is NOT A place to discuss strategies to pay-down credit card debt, take advantage of balance transfer or 0% interest offers, or anything else related to credit card debt.
- It is HIGHLY recommended to avoid the "churning" game if you currently have or are susceptible to credit card debt. The cards we will advocate for may have exorbitant interest rates and fees. This does not bother us because we DON'T pay interest EVER and the benefits of the cards outweigh any fees.
- There are numerous places on the DIS where qualified and helpful people will give you advice on CC debt, this just isn't one of them
- Even if you are a "credit card debt avoider" please be aware of your spending habits. Some of the cards we will advocate will require spending a large amount in the first 90 days, do not allow this to affect your spending patterns. Free travel is only truly free if you earn it from your regular everyday spend!

Additional Note: We are like a family here. Some of us have been on the original thread since the beginning and many have been around for well over a year. We know each other's families, travel styles and preferences. The discussion can move fast and furious at times and you may be lost at first. If you ask for advice, don't worry, we will eventually see it and help you! If you don't get a response ask again. And if you see us having fun with each other or making jokes, know that it is ALL out of love!!
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