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

[afan]

*sigh*

This morning I transferred Chase points to Marriot and it was almost instantaneous (within a couple of minutes).

Now I need MORE hotels so I just did another transfer and here I sit... waiting.

A second transfer to the same program on the same day often gets hung up. It's common to read on r/churning or award travel someone that did a test transfer and then transferred the rest when they saw it go through and it's not instant.

It may take a phone call. I'd imagine fraud concerns are part of the reason on one side or the other.

 

[ten6mom]

A second transfer to the same program on the same day often gets hung up. It's common to read on r/churning or award travel someone that did a test transfer and then transferred the rest when they saw it go through and it's not instant.

It may take a phone call. I'd imagine fraud concerns are part of the reason on one side or the other.

Oh shoot... I'm dumb then

Do I call Chase, or call Marriott?

 

[FreeDiningFanatic]

Congrats! Can't remember, are you going used or new? If used, then I'm impressed you got them to take a CC!

Used car. And a cashier takes them, so I coulda been doling out as many cards as I wanted, lol.

Amex keeps throwing offers at DH and now don't know know which to choose! But want to choose soon because likely closing a Biz Plat later this month, and possibly a Biz Gold next month, and then Amex may not like DH so much anymore, lol.

So we were going to go for the mailer that was Biz Gold 150K MRs for $10K spend... then he got another mailer for Biz Plat 250 MRs for $15K and we thought that was better... went online yesterday to pull the trigger and then he saw a targeted offer online for a Biz Gold 175K MRs for $10K.

I would normally say to do the one with more MRs, but if we did the online Biz Gold offer we'd be able to squeeze in an Ink, possibly a CIP before the referral goes back down to 20K URs. I think the latter sounds better because we have a lot of MRs, except I find I get more value out of the Plat coupon book than the Gold. We'll recover more than the AF on the Plat but will only get $240 back from the Gold. What would you do? Biz Plat 250MR or Biz Gold 175MR + CIP?

I think you should do the Biz Plat 250k and the CIP (rumored Sept 3 ending or something). Like you said, you'll get more value out of the Biz Plat and if you are like just about everyone else around here, you always end up with more spend than you think you'll have.

 

[afan]

Oh shoot... I'm dumb then

Do I call Chase, or call Marriott?

I'd start with chase and see what they say. Can always wait until tomorrow if you want to see if it goes through. Potential for them to blame each other so be prepared for that.

 

[ten6mom]

I'd start with chase and see what they say. Can always wait until tomorrow if you want to see if it goes through. Potential for them to blame each other so be prepared for that.

Oh boy.
Thank you for the advice!

 

[FreeDiningFanatic]

Hubby and I were finalizing things at the dealership today and we considered financing $9-10k. For a used car, the interest rate was something like 9%, with a 823 credit score. Um, no way. So we ran and got a cashier's check.

It got us talking about how fortunate we are to be able to do that and that the average person isn't in a position to be able to pay cash for a vehicle. How very real poverty tax is. How it's expensive to be poor. If excellent credit = 9% interest rate, what is it for average or below credit? I could go on and on about poverty tax...

I tend to get stressed with big purchases, like our new roof and now a car purchase. But it was a good reminder to take a step back and appreciate what we have.

 

[FreeDiningFanatic]

Oh boy.
Thank you for the advice!

I agree. I've read lots of dps of smaller points transfers triggering a fraud hold. Hopefully you can confirm you made the transfer or just answer a few questions. Good luck!

 

[ten6mom]

I'd start with chase and see what they say. Can always wait until tomorrow if you want to see if it goes through. Potential for them to blame each other so be prepared for that.

Just off the phone with Chase. They do see the transfers... they say that nothing appears fraudulent and that I just need to wait "up to 7 days" and see what happens.

They did say "we see the second amount was larger" which is true. *sigh*

I agree. I've read lots of dps of smaller points transfers triggering a fraud hold. Hopefully you can confirm you made the transfer or just answer a few questions. Good luck!

I do read the churning subreddit regularly but apparently not the correct posts. Thanks!

Seems I just have to wait.

Thank you!

 

[AmyAnne]

What do y’all think about Chase replacing the Instacart credits with Doordash? It won’t be easy for me to use them. No place near me does pick up for non food items. It doesn’t seem worth it to pay a service fee + tip to use a measly $10 credit, unless I was planning to have groceries delivered anyway, but I never do. I hope Chase adds something else to make me want to keep my CSR.

Same. I think food will be added at some future point.

 

[reliev]

We’ve stayed there twice now. Love the resort. They do charge for valet parking and I think it was about $50 ish per day. The resort credit covered that. We ate at Ceiba one of the onsite restaurants and it was really good.

your going to convince me open up a Hilton card to go there for a weekend lol

 

[calypso726]

your going to convince me open up a Hilton card to go there for a weekend lol

Our stay there made me glad we have 4 Aspires The FN certs and the $200 twice a year resort credits on each card were perfect. Weekend getaways on certs, amazing dinners charged to the room and wiped off with resort credits was perfect. Next time I may do spa services and wipe that off with the resort credits.

 

[TheOneWithTheTriplets]

What do y’all think about Chase replacing the Instacart credits with Doordash? It won’t be easy for me to use them. No place near me does pick up for non food items. It doesn’t seem worth it to pay a service fee + tip to use a measly $10 credit, unless I was planning to have groceries delivered anyway, but I never do. I hope Chase adds something else to make me want to keep my CSR.

Oh man, I got behind on this thread and didn't realize this had expired. I just did my August Aldi pickup to get the $15 on our CSR.

I was all exited that the card got a 10% instacart offer, so I was going to double dip. Ah, well, at least I get the 10% and burnt off my last couple of bucks of instacart credit from my last pickup order. Time to shut down Instacart+ before I actually pay money for it.

 

[TheOneWithTheTriplets]

Chase Ink DPs:

I SM to close my CIP when the AF hit. They closed it and refunded the fee within a couple of hours, no annoying phone call or anything. Super easy!


Also, referred Hubby to a CIP, his 3rd open ink but first preferred (CIC May 2023 and Oct 2023). Instant approval and SM confirmed they'll match the public bonus when we hit spend.

 

[hsmamato2]

Hubby and I were finalizing things at the dealership today and we considered financing $9-10k. For a used car, the interest rate was something like 9%, with a 823 credit score. Um, no way. So we ran and got a cashier's check.

It got us talking about how fortunate we are to be able to do that and that the average person isn't in a position to be able to pay cash for a vehicle. How very real poverty tax is. How it's expensive to be poor. If excellent credit = 9% interest rate, what is it for average or below credit? I could go on and on about poverty tax...

I tend to get stressed with big purchases, like our new roof and now a car purchase. But it was a good reminder to take a step back and appreciate what we have.

so when I had the opportunity last winter, I took their finance deal (it was awful,over 8%) and used my cc for the down payment of 5k- then I just used the $ I had saved and paid that ridiculous loan off asap. Win-win.- ETA I agree with you on the appreciation side too

 

[becauseimnew]

Hilton Biz AF posted ($195), I'm going to cancel but if I cancel when will I lose my Gold status? I don't have any other card that gives me status.

 

[platamama]

Hilton Biz AF posted ($195), I'm going to cancel but if I cancel when will I lose my Gold status? I don't have any other card that gives me status.

Do you not have an Amex Plat?

 

[havaneselover]

About a year ago my parents were scheduled to head to Northern Michigan for a week long vacation. My dad ended up in the hospital the day before their departure which led to a dreadful diagnosis (extremely aggressive nhl). Anyway, my mom wanted to take his remains “home” and booked a trip to Michigan. My siblings and their families are meeting her there. I couldn’t pull myself together to go. Of course she’s stuck in SW FL because of Debby. First flight was canceled (sat on runway for three hours then the crew timed out) and delta can’t get her on another flight to Detroit until Tuesday. She’s going to try to get to MSP tonight. I’m feeling terrible. I wish I’d flown down and gotten her to Michigan. Luckily between Amex concierge, one SIL who is in corporate travel and another who is an event planner she’s in reasonably good hands but I’m stressed.

 

[becauseimnew]

Do you not have an Amex Plat?

No… I haven’t been able to pull the 250k SUB.

 

[platamama]

No… I haven’t been able to pull the 250k SUB.

Ohh, I hope you are able to pull it!

When I closed my Aspire, I stayed Diamond for about a month. I used my Plat to get Hilton Gold. I can’t think of another way, unless there’s some sort of status match promo going on.

 

[wisconsinmom]

Ack, bummer about losing the Instacart credits with Chase. I hadn't read about that!

Just had DH apply for the Ink Preferred. No instant approval. Just called and got the 7-10 day message.

I'm going to have him call recon later. Fingers crossed. We could use those points!!

Just booked on Iberia last night for spring break in Portugal. The Amex transfer bonus was a nice perk.