I love credit cards so much! v6.0 - 2023 & 2024 (see first page for add'l details)

[Judique]

We’re thinking about staying at a Delta Marriott hotel when we visit Toronto in August. We don’t have any status with Marriott or any points. Dh is looking at the Bonvoy Business Amex card. Does anyone have this card?

He’s comparing getting that card vs. a Chase ink card. Is the gold status worth getting the Marriott card instead for a 5 night stay?

No.

 

[Judique]

Saw an interesting promotion on SW website today. Free CP for a late summer window if you purchase(by 4/5) a RT for travel by 5/24.

I also got an email for it. Can't buy it with points - they want cold hard cash.

 

[newski_mom]

Thanks. I need something that would cover it, too. Plus I booked a Celebrity 2024 cruise, so that wouldn't even be covered in the first 12 months. I just want something that's easier than constantly purchasing a new policy for every overseas trip.

We just purchased insurance for our group of 10 for an alaskan cruise this summer. We also already had it booked. We called around and tripinsurancestore.com got us a policy for what they called stable pre-existing conditions. If the diagnosis and/or treatment hadn't changed in the previous 60 days the condition would be covered.

Our main concern was my mom. She has been taking immunotherapy infusions for the past year and a half for her cancer and will continue taking them for quite some time. They said she would be covered because she has had the same treatment plan for over the past 60 days.

I hope I understood everything they were explaining, but I asked the question in about 5 different ways and they kept assuring me her condition would be covered if something were to happen.

Anyway, I'm not sure if they have any annual plans that would be similar, but they might be worth checking out. I called in a talked to them about it and they were very helpful.

 

[becauseimnew]

Thanks. I need something that would cover it, too. Plus I booked a Celebrity 2024 cruise, so that wouldn't even be covered in the first 12 months. I just want something that's easier than constantly purchasing a new policy for every overseas trip.

Your message reminded me that I need to buy insurance for our Japan trip with in the next couple of weeks. I remembered that I got a quote from USAA's travel insurance and it is very reasonable, so I went back and noticed that they also have an annual plan. It's $86/A & $59/C, but I can't find the EOB for the annual plan.
For our trip to Japan the least expensive plan is $142 for our 19 day trip to Japan (2A2C) highest is $204. Just sharing in case you have USAA.

 

[newski_mom]

Your message reminded me that I need to buy insurance for our Japan trip with in the next couple of weeks. I remembered that I got a quote from USAA's travel insurance and it is very reasonable, so I went back and noticed that they also have an annual plan. It's $86/A & $59/C, but I can't find the EOB for the annual plan.
For our trip to Japan the least expensive plan is $142 for our 19 day trip to Japan (2A2C) highest is $204. Just sharing in case you have USAA.

Wow, that is way cheaper than what we paid for our cruise. I'm just curious if they quoted prices based on your trip's cost? I called 4 different insurance brokers and we ended up paying around $1100 for the 10 of us. Our age range is for sure higher than yours (our traveler ages are 79, 58, 52, 47, 46, 26, 25, 20, 18 & 14), so I'm sure that plays into it. Actually typing that out, that's probably the main difference.

Everywhere I called wanted to trip price per person and we had to split everything up by household, so we had 5 different households since my 2 DDs live in their own apartments, my mom, my sisters family and our household.

Anyway, this was the first time I'd bought insurance for a trip, so I'm not sure if we got a decent deal or not, but they were the only one offering the stable pre-existing condition, so we felt we had to go with them.

 

[CaliforniaGirl09]

Yup that's it! We saw it on Amazing Race and it seems like the perfect, unique experience. The cold water freaks me out a little bit, as does the wetsuit (MIA natives here) but such a cool and unique experience. I worry a little about my youngest so I'm going to "train" him in snorkeling this summer at the beach and pool.

Chiming in late as I'm catching up; I've been AWOL for a couple months But we did the snorkeling in Silfra a number of years ago as a port adventure on our DCL cruise to Iceland. It was so cool and is still one of the favorite travel activities we've ever done as a family. A few things I remember: bring long underwear to wear under the dry suit (it's not a wetsuit). The dry suit is a bear to get in and out of--it took longer than we were in the water. I want to say we snorkeled about 30 minutes, and the highlight other than touching the tectonic plates was seeing a very rare fish. The water was so clear and blue--you can't imagine. It was cold even with the dry suit and smart wool long underwear. DD was in her teens at the time and very skinny--she got cold quickly but loved it. DS is special needs and I dreaded the whole dry suit part--there is something very tight that goes around your neck and I knew he would freak out. He did not disappoint. Let's just say that I'm sure people thought we were the cruelest parents ever to force him to do it, but we knew he would love it once he got the suit on and was in the water. We were right. He loved it, but the scene before hand is still something we laugh about.

Anyway, even with EBCI got C15

Wow, that is painful for EB. I think WN needs to re-think EB and upgraded boarding; it's been very frustrating lately. We have a companion pass so we are locked in for the rest of the year, but my love affair with WN is coming to an end. I think we are done after Dec. 31. The boarding process has become a real stress.

 

[CyndiLouWho]

Wow, that is painful for EB. I think WN needs to re-think EB and upgraded boarding; it's been very frustrating lately. We have a companion pass so we are locked in for the rest of the year, but my love affair with WN is coming to an end. I think we are done after Dec. 31. The boarding process has become a real stress.

I'm starting to agree. It's stressing me out more than I need. Worrying about checking in on time, finding a seat and making a connection were killing me this trip. Our flight Saturday left 1/2 hour late from CR and given our seats at the back, I was seriously worried about missing our connection and was looking up hotels in Denver and whether there were any later flights or what time flights were the next day. Thankfully they made up some time flying and having Global Entry and Precheck saved us. CC for the win!

 

[SleepyatDVC]

My DD applied for a CIU over the weekend and INSTANT approval!!

The CL is small but we can work with that! I am MORE excited than her. She's in her own household so is her own P1 but I am looking forward to helping her accumulate URs. Her sister graduates this May and will be moving in with her afterwards, so I am already plotting to add her as P2 in their household!

We just waiting to receive the card so that I can start and finish her MSR.

 

[Zhoen]

I need to whine for a minute... (newbie blues)...

After careful consideration, I have decided to go ahead and move our emergency fund to WF temporarily to get that $525 bonus... They weren't able to "verify identity" online, so yesterday I decided to go into the branch. (Fortunately VERY local to me and close to other stops on my errands-run...)

So get this... the cashier says they "only do that by appointment" (practically rolling her eyes as she says it.) Then, when asked about making an appointment, "you have to go online."

I was *TRULY* unsure at that point if it is worth $500 to me to put up with that kind of attitude!!! It gets better. Then next available appointment was not until the 5th and at a different branch! (So I have to wait 2 days to make an appointment to give them MY money...????)

At this point, the only reason I am going through with it is because when I went to make the appointment, the $325 checking deal was back... I missed out on that last week because they "could not verify identity" online... so yes, for $850, I will go through the hoops... but these little adventures have already taught me that I **LOVE** my credit union (lousy rates and all) and that WF and Cap1 are both LOUSY institutions that I will never do business with unless they are paying me! (Chase has been fine so far... still not keeping the account past when the 90-day bonus hits, though...)

 

[Best Aunt]

I need to whine for a minute... (newbie blues)...

After careful consideration, I have decided to go ahead and move our emergency fund to WF temporarily to get that $525 bonus... They weren't able to "verify identity" online, so yesterday I decided to go into the branch. (Fortunately VERY local to me and close to other stops on my errands-run...)

If one bank can't verify your identity online, expect to have the same issue with some other banks. It's a real PITA. Don't get me started on that issue...

If you have a credit card relationship with a bank, you might have an easier time of it. (Example: if you have an AmEx card, it might be easy to open an AmEx bank account online.) Some banks might not have a big one-time bonus, but might be paying a higher rate for an online savings account than you are getting at your local bank.

 

[georgina]

I need to whine for a minute... (newbie blues)...

After careful consideration, I have decided to go ahead and move our emergency fund to WF temporarily to get that $525 bonus... They weren't able to "verify identity" online, so yesterday I decided to go into the branch. (Fortunately VERY local to me and close to other stops on my errands-run...)

So get this... the cashier says they "only do that by appointment" (practically rolling her eyes as she says it.) Then, when asked about making an appointment, "you have to go online."

I was *TRULY* unsure at that point if it is worth $500 to me to put up with that kind of attitude!!! It gets better. Then next available appointment was not until the 5th and at a different branch! (So I have to wait 2 days to make an appointment to give them MY money...????)

At this point, the only reason I am going through with it is because when I went to make the appointment, the $325 checking deal was back... I missed out on that last week because they "could not verify identity" online... so yes, for $850, I will go through the hoops... but these little adventures have already taught me that I **LOVE** my credit union (lousy rates and all) and that WF and Cap1 are both LOUSY institutions that I will never do business with unless they are paying me! (Chase has been fine so far... still not keeping the account past when the 90-day bonus hits, though...)

Um, I thought there was language somewhere in our Chase offer that the account had to remain open 6 months? Could be wrong though. (found it in a CNBC article, also on DOC, not the Chase site -

Early Account Termination Fee​

If you close either account within 6 months of account opening, you will forfeit the bonus.)

I will add to the WF hate. My $525 bonus offer said had to be opened in branch. Had to make an appt online. I was able to get an appt and open it, but then found out I can't transfer the amount required online. I do not have any direct deposit so not going to bother with the checking. It was a royal pain getting something to work for DH's Chase offer. I will definitely close that account if/when I manage to get the savings bonus!

 

[reliev]

I'm looking for advice regarding yearly travel insurance. Any thoughts, links, ideas would be greatly appreciated.

I asked on here before no one seemed to pull the trigger but I ended up doing it for us.
Ended up getting this one
https://www.allianztravelinsurance.com/find-a-plan/alltrips-prime.htm
wasn't that bad for everything I haven't had to use it yet but the blogs+reddit seemed to talk it up. It seemed like a great value for all the trips we are taking .

 

[EACarlson]

Tried searching the interwebs, but still confused. I know someone here will be able to help me!
I have a United card w/the 2 yearly 1x use club passes. My husband will be traveling United w/out me (out of OHare & Austin), can he use the passes w/out me? He is an authorized user w/his own card.
Can someone walk me through it so I can walk him through it.

If these are the same ones that @LynnTH gave to me in September, you don't need to be with him. I was able to show the email with the barcode of the pass on my phone at ORD and got in to the United Club with no issue. Was a much better way to spend the three hour layover than at the gate. It was a pdf with a barcode and a Chase logo in the top left.

 

[afan]

I need to whine for a minute... (newbie blues)...

After careful consideration, I have decided to go ahead and move our emergency fund to WF temporarily to get that $525 bonus... They weren't able to "verify identity" online, so yesterday I decided to go into the branch. (Fortunately VERY local to me and close to other stops on my errands-run...)

So get this... the cashier says they "only do that by appointment" (practically rolling her eyes as she says it.) Then, when asked about making an appointment, "you have to go online."

I was *TRULY* unsure at that point if it is worth $500 to me to put up with that kind of attitude!!! It gets better. Then next available appointment was not until the 5th and at a different branch! (So I have to wait 2 days to make an appointment to give them MY money...????)

At this point, the only reason I am going through with it is because when I went to make the appointment, the $325 checking deal was back... I missed out on that last week because they "could not verify identity" online... so yes, for $850, I will go through the hoops... but these little adventures have already taught me that I **LOVE** my credit union (lousy rates and all) and that WF and Cap1 are both LOUSY institutions that I will never do business with unless they are paying me! (Chase has been fine so far... still not keeping the account past when the 90-day bonus hits, though...)

BofA is the same way. My mom made an appt like 4 weeks out because it needs to be a Saturday since during the week they are only open til 4 and then not all are open Sat and some have closed. Day of they cancel the appt cause they overbooked. So we'll try again when she's back from OR next month. Just wants to add me to her acct for when she's gone. But it's absolutely ridiculous. I could walk into my credit union and out my name on the list and wait. And they are open past 4pm. I may just take time off work during the week but that shouldn't be necessary either. I work until 4 nevermind all the people that work til 5.

 

[calypso726]

I heard rumors that the BoA Alaska Air business card offer for 70k AS miles, companion cert for $4k in 3 months was about to end. Instant approval! Happy dance!

 

[GZanta77]

(Almost) instant approval for CIC.

Applied - got 'In Review - will notify you within 7-10 days' message. Immediately checked email and 'Approved' email was already there. Can see the new card in my account.

Needed to replenish my URs as have transferred a lot over to Hyatt recently. Next up will be a CSR or CSP for P2.

 

[SleepyatDVC]

I asked on here before no one seemed to pull the trigger but I ended up doing it for us.
Ended up getting this one
https://www.allianztravelinsurance.com/find-a-plan/alltrips-prime.htm
wasn't that bad for everything I haven't had to use it yet but the blogs+reddit seemed to talk it up. It seemed like a great value for all the trips we are taking .

I have purchased this policy for my parents in the past. No complaints but we have never had to make a claim.

The max days on one trip is 45 days though so, it wouldn't work for this year. I purchased a policy through Insure My Trip for them this time. As long as a portion of their trip was a cruise, they qualify. Nationwide Mutual Insurance Company Luxury Cruise.

 

[Zhoen]

Um, I thought there was language somewhere in our Chase offer that the account had to remain open 6 months? Could be wrong though. (found it in a CNBC article, also on DOC, not the Chase site -

I opened my TD bank checking and the Chase checking/savings in the same week and I looked pretty carefully to be sure that Chase was only 90 days, but if anyone here knows different for sure, let me know, please and thank you It wouldn't kill me to leave the money there for the whole 180, BUT since the interest rate is 0.01%, I don't exactly love the idea...

I do not have any direct deposit so not going to bother with the checking. It was a royal pain getting something to work for DH's Chase offer.

That is one good thing I *do* have going for me... my job has most of their HR stuff online, and adding/changing/stopping direct deposits has been incredibly easy so far... It is a little annoying going to chase every couple of weeks and pulling out the $500 (minimum DD monthly to avoid fees), but that checking is no-interest, and that money will earn in my credit union a mile away, so annoying or not, that's what I'm doing... I'll do the same for WF... at this point, I don't feel inclined to do them ANY favors like leaving money sitting there at 0% ...

 

[elgerber]

I opened my TD bank checking and the Chase checking/savings in the same week and I looked pretty carefully to be sure that Chase was only 90 days, but if anyone here knows different for sure, let me know, please and thank you It wouldn't kill me to leave the money there for the whole 180, BUT since the interest rate is 0.01%, I don't exactly love the idea...

This is directly from the email I got from Chase for opening my accounts in September

 

[elgerber]

This is directly from the email I got from Chase for opening my accounts in September
View attachment 751150

I am glad I looked this up, because I just realized I am 7 months past opening, so I can close them all now!