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

[becauseimnew]

Flights for our spring break trip to Disney opened today on SW. I was able to book the return flights (hopefully we'll be able to do the free flight change because the non-stop flight was way too expensive). But by the time I remembered this morning most of the WGA gone and we don't have enough SW miles to book the flights there. I guess we need to change gears and focus on earning 2 companion passes again for next year.

 

[FreeDiningFanatic]

Flights for our spring break trip to Disney opened today on SW. I was able to book the return flights (hopefully we'll be able to do the free flight change because the non-stop flight was way too expensive). But by the time I remembered this morning most of the WGA gone and we don't have enough SW miles to book the flights there. I guess we need to change gears and focus on earning 2 companion passes again for next year.

Yes, I booked some speculative flights as well, hoping for the change, because March and April fares were insane, like 49k one way.

We will hopefully have one, but not two CPs next year. This year we had two CPs and will have 8 flights (4 RTs) x 2 free passengers, so 16 free flights.

 

[becauseimnew]

Yes, I booked some speculative flights as well, hoping for the change, because March and April fares were insane, like 49k one way.

We will hopefully have one, but not two CPs next year. This year we had two CPs and will have 8 flights (4 RTs) x 2 free passengers, so 16 free flights.

We've had 2 for the last 4 years, and maybe we need to go down to one because with 2 I feel like we need to travel more, since the girls fly for free. I have no problem taking weekend trips when we only have to buy 2 RT tickets.

 

[SleepyatDVC]

Bumping this to see if anyone has any advice on best CC for her to apply for?

I added my kids as authorized users on one of my oldest cards (Discover) at a young age and never gave it to them. They did get a card as an AU of our Capital One card when they traveled aboard so to avoid the foreign exchange fee.

When it was time to apply for a credit card their own, it was instant approval. Their first card approval on a card of their own was Discover. They didn't have jobs yet. They used the monthly allowance they got from their parents, which was never verified by anyone.

I think you can add your MIL as an AU on your oldest card to establish her credit as well, assuming you have excellent credit, and never even give it to her.

My parents added me to their AMEX card when I was 18 yo, but it aged my credit history back to when I was 3 yo. To this day, my credit history shows starting when I was 3 yo. When I apply and am approved for new AMEX cards, it shows I am a member since the year I was 3 yo.

My parents still have that original AMEX and I am still an AU even though I never use the card. They still pay the AF which is very low because it is grandfathered. I don't know if it will change my member year if they ever cancel the card but I have established excellent credit of my own, so I'm not sure 50 years vs 35 years of credit will make a dramatic difference, if they ever cancel the AMEX Traditional Gold.

Anyway, once you add her as an AU and it shows up on her credit report, she can apply on her own. You have to check to see which credit card companies report it. I know that AMEX and Discover did for us but things might have changed in recent years, as this was more than 15 years ago for us.

I might start with a Discover card as well. No annual fee and simple cash back with revolving extra bonuses.

Good luck!

 

[Crazed4DisneyinSC]

I added my kids as authorized users on one of my oldest cards (Discover) at a young age and never gave it to them. It was They did get a card as an AU of our Capital One card when they traveled aboard so to avoid the foreign exchange fee.

When it was time to apply for a credit card their own, it was instant approval. Their first card approval on a card of their own was Discover. They didn't have jobs yet. They used the monthly allowance they got from their parents, which was never verified by anyone.

I think you can add your MIL as an AU on your oldest card to establish her credit as well, assuming you have excellent credit, and never even give it to her.

My parents added me to their AMEX card when I was 18 yo, but it aged my credit history back to when I was 3 yo. To this day, my credit history shows starting when I was 3 yo. When I apply and and approved for new AMEX cards, it shows I am a member since the year I was 3 yo.

My parents still have that original AMEX and I am still an AU even though I never use the card. They still pay the AF which is very low because it is grandfathered. I don't know if it will change my member year if they ever cancel the card but I have established excellent credit of my own, so I'm not sure 50 years vs 35 years of credit will make a dramatic difference, if they ever cancel the AMEX Traditional Gold.

Anyway, once you add her as an AU and it shows up on her credit report, she can apply on her own. You have to check to see which credit card companies report it. I know that AMEX and Discover did for us but things might have changed in recent years, as this was more than 15 years ago for us.

I might start with a Discover card as well. No annual fee and simple cash back with revolving extra bonuses.

Good luck!

I was thinking Discover as well, wasn't sure if she'd be approved with no credit, but adding her as an AU on one of our card (Amex or Discover) is a GREAT idea! I hadn't thought of that, and we do have excellent credit, so it definitely can't hurt to do that!! Thank you so much... exactly the advice I was looking for Sometimes it's right in front of our noses but we don't see it lol.

 

[wanderlust7]

I was thinking Discover as well, wasn't sure if she'd be approved with no credit, but adding her as an AU on one of our card (Amex or Discover) is a GREAT idea! I hadn't thought of that, and we do have excellent credit, so it definitely can't hurt to do that!! Thank you so much... exactly the advice I was looking for Sometimes it's right in front of our noses but we don't see it lol.

Amex doesn't backdate AUs anymore, so it might help less. Discover does and so does Chase among others.

 

[Crazed4DisneyinSC]

Amex doesn't backdate AUs anymore, so it might help less. Discover does and so does Chase among others.

Perfect, thank you! We'll add her to our Discover, which is 12 years old. I think that'll be sufficient to get her started at least.

 

[Crazed4DisneyinSC]

DoC reporting that CIP 120,000 elevated offer is slated to end 9/5.

 

[trenty]

It's walkable to the Gaslamp Quarter, the historic neighborhood in Downtown San Diego which has lots of restaurants. Also to the USS Midway Museum at the pier. For the Zoo and Balboa Park, you will want to ride share, but it's only about 15 min ride

Perfect! Thank you!

 

[StephPlum]

Does anyone have 2 CIPs, with getting one recently like the last 4 months? Want to jump on the elevated CIP but will have to be DH and he has a CIP that is 8 months old so can’t cancel it yet.

 

[miztressuz]

Bumping this to see if anyone has any advice on best CC for her to apply for?

AmEx has a Global transfer program. If she has an AmEx in another country she can use that membership to apply to AmEx here.
https://www.americanexpress.com/us/customer-service/global-card-relationship/

They also have an option for select countries to use credit history from there to help get approved for a US AmEx.
https://www.americanexpress.com/us/...its/us-newcomers/?intlink=us-CMS-GCRnewcomers

Otherwise it's pretty much the same advice as any new credit user - AU, secured card, or other products geared towards newcomers - AFAIK

 

[djmeredith]

I cancelled my CIP on Aug 15 (open 1 year and cancelled when AF hit). My remaining biz cards were 1 CIC and a SW Performance Biz (both less than 1 yr). I applied for a new CIP last night. I didn't receive instant approval but received an approval email today.

 

[trenty]

It's walkable to the Gaslamp Quarter, the historic neighborhood in Downtown San Diego which has lots of restaurants. Also to the USS Midway Museum at the pier. For the Zoo and Balboa Park, you will want to ride share, but it's only about 15 min ride

Just booked it! Thanks again!

ETA - I used the Chase Portal and paid with URs and $50 (plus a little) to use my $50 CSP credit.

 

[wanderlust7]

Just booked it! Thanks again!

ETA - I used the Chase Portal and paid with URs and $50 (plus a little) to use my $50 CSP credit.

I'm curious if that was a better deal than transferring to Hyatt? The GH Manchester is 17k, 20k, or 23k/night depending on the date.

 

[Duckbug.Ducktales]

I'm curious if that was a better deal than transferring to Hyatt? The GH Manchester is 17k, 20k, or 23k/night depending on the date.

Was about to post the same

 

[Mswiza]

Does anyone have 2 CIPs, with getting one recently like the last 4 months? Want to jump on the elevated CIP but will have to be DH and he has a CIP that is 8 months old so can’t cancel it

I do, I opened one in May and a second one earlier this month. I have 2 CIC and an IHG biz open

 

[Crazed4DisneyinSC]

AmEx has a Global transfer program. If she has an AmEx in another country she can use that membership to apply to AmEx here.
https://www.americanexpress.com/us/customer-service/global-card-relationship/

They also have an option for select countries to use credit history from there to help get approved for a US AmEx.
https://www.americanexpress.com/us/...its/us-newcomers/?intlink=us-CMS-GCRnewcomers

Otherwise it's pretty much the same advice as any new credit user - AU, secured card, or other products geared towards newcomers - AFAIK

Thanks so much! She didn’t have an Amex in her home country, but I’ll have to check if her country is one of the ones they can use credit history from. Didn’t even know this was a thing… thanks!

 

[Psychodisney]

I cancelled my CIP on Aug 15 (open 1 year and cancelled when AF hit). My remaining biz cards were 1 CIC and a SW Performance Biz (both less than 1 yr). I applied for a new CIP last night. I didn't receive instant approval but received an approval email today.

Did you get the 7-10 message or 2 weeks?
I applied today and didn’t get instant approval either.

 

[trenty]

I'm curious if that was a better deal than transferring to Hyatt? The GH Manchester is 17k, 20k, or 23k/night depending on the date.

I did check before booking. It was 23K/night and I need 5 nights. That's 115K URs. I used 99K URs+$51 and change.

 

[ten6mom]

Husband has a CIC that was opened November 2023. I have a CIP that I just opened July 2024 (as well as a couple of CIC's).

Is it possible to both support him (and get a bonus for myself) from either of those AND he still be eligible for the 120K? I feel like I am missing something.