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

[LynnTH]

THANK YOU for the suggestion! I just sent Caesars rewards a DM over Twitter. They confirmed that Windham has confirmed my diamond status, and claimed that my Caesars status would be updated by tomorrow, or I should send them another message.

They told me they were behind and if not updated by the 21st to reach out to them again. I am in Vegas on the 25th.

 

[StephPlum]

Chase DP. DD posted 2/9. Bonus posted 2/14.

 

[calypso726]

Ok. So, 35% with selected airline and 35% on any airline with Biz or 1st Class. I will have to think on that. Not familiar with United Travel Bank. What exactly is that - and do I need to set something up. I already have a United Account for our flights to Europe in May

It will only credit if United is your selected airline. Here is the link to UTB https://www.united.com/en/us/fly/account/travelbank.html

No need to set anything up, just go to the link, log in with your United credentials, click fund my travel bank. It may make you sign in a second time. Select the purchase amount of $100. Add the card you wish to use to pay and associated details, then click purchase now. Do it a second time for another $100. Repeat the same thing in January. Within a couple of minutes you will have it loaded. When you are logged into your account you will see how much is in your travel bank to use.

Here is a pretty decent article on United Travel Bank https://www.nerdwallet.com/article/travel/united-travel-bank-what-to-know

 

[FreeDiningFanatic]

That is the big question - will they consider a monthly direct deposit from an annuity as legit. Can't move DH's pension easily, he's not taking SS yet. So far I've tried sending some investment income from Vanguard, and some 3rd party earnings through Paypal.

So from what I've read, when the deposit posts, some key words to look for in the description are DIR DEP PPD. For my DD that triggered, the type was "ACH credit" which originally worried me, so that's why I looked up what the correct description needs to be.

DP: Bonus posted 4 calendar days after DD posted or 2 business days

 

[georgina]

So from what I've read, when the deposit posts, some key words to look for in the description are DIR DEP PPD. For my DD that triggered, the type was "ACH credit" which originally worried me, so that's why I looked up what the correct description needs to be.

DP: Bonus posted 4 calendar days after DD posted or 2 business days

Ooh, that’s not encouraging. The annuity distribution says INS DIST PPD. I’ll give it a few days before trying something else.

 

[TheOneWithTheTriplets]

There are some requirements to not pay monthly fees, but I intend to pull much of the large savings account $ out once I hit that bonus.

While we're on the subject, checking account fees are as follows:
$12 monthly service fee OR $0 with one of the following each monthly statement period:

• Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment network, or (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network
• OR a balance at the beginning of each day of $1,500 or more in this account
• OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying deposits Footnote4(Opens Overlay)/investments Footnote5

We're all in agreement that the savings that opened with this account counts as a "linked qualifying deposit", right? So, as long as we have to keep the 15k, no fees on either account. Then, I can put $1500 in the checking, leave $300 in the savings for the next 90 days until I close? ($300 is the savings minimum to avoid that fee.)

I don't have over $500 in DD or over $1,500 in the checking right now because I believe the current savings float should be sufficient.

 

[becauseimnew]

My Global entry renewal was approved this morning. Took less than 48 hours to approve, I guess renewals don’t require an interview?

 

[palhockeymomof2]

Has anyone else had the restaurant offer spend $10 or more get back $5 disappear from cards it was added to ? I haven’t used it on 2 card the offer was added to and now it’s gone

 

[Crazed4DisneyinSC]

Has anyone else had the restaurant offer spend $10 or more get back $5 disappear from cards it was added to ? I haven’t used it on 2 card the offer was added to and now it’s gone

Yeah, I just checked, and it's disappeared from all the cards we added it to (5 different ones). I used it on 2 other cards last week, never got an email that it was redeemed. Wondering if I'll get credit now.... not sure when these disappeared!

 

[miztressuz]

While we're on the subject, checking account fees are as follows:
$12 monthly service fee OR $0 with one of the following each monthly statement period:

• Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment network, or (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network
• OR a balance at the beginning of each day of $1,500 or more in this account
• OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying deposits Footnote4(Opens Overlay)/investments Footnote5

We're all in agreement that the savings that opened with this account counts as a "linked qualifying deposit", right? So, as long as we have to keep the 15k, no fees on either account. Then, I can put $1500 in the checking, leave $300 in the savings for the next 90 days until I close? ($300 is the savings minimum to avoid that fee.)

I don't have over $500 in DD or over $1,500 in the checking right now because I believe the current savings float should be sufficient.

Correct, while you have the 15k in the savings account it will waive the fees for both accounts. (If you wait too long in the first month to deposit it might skew the $5k avg beginning balance, but I believe the checking has a one statement grace period for fees.)

Also a note about the $500 deposit to keep the checking free, it doesn't have to be a DD. Try sending money (push) from a linked account and see what the statement says about waiving fees. They changed what qualifies to waive the fees a few years back and nearly any type of electronic deposit works now. I've sent money from my regular checking account, which absolutely doesn't count as a DD, but works fine to waive the fee. (That part in the terms "... such as payments from..." are only examples, not requirements. Take that out and it reads pretty much how it works, most regular transfers qualify.) The money then doesn't need to stay there, pay the CC bills with it or transfer it back after it clears.

For the savings account, automatic transfers from the Chase checking of $25 every statement
will waive the fee. I setup a reoccurring transfer of $25 and then move it back. (It has to be autosave or reoccurring transfer, you can't do it manually.) Now I don't leave the account at zero, I leave that first transfer mostly, but the rest goes somewhere else to be used. Pretty much the same for the checking, I make sure there's $25 available to transfer and that's about it. So realistically I leave about $50 or less in the Chase accounts. Just enough to transfer back and forth.

I implore anyone who can setup automatic transfers to try this instead of leaving any money in Chase. With nearly any other account in the country earning interest, and many with real 3-4% interest, don't leave money somewhere it gets nothing. (and I don't count .01% in the savings as something, that's still 0 in my book) Just make sure to login once a month to check everything is going according to plan. Also note, it appears they removed the terms about bonus claw back if the accounts don't remain open for 6 months. Personally I leave all my accounts open 6-7 months just to keep the game alive. If banks feel like they get more churners than customers they start reducing or eliminating the good bonuses. And for Chase in particular, for anyone who doesn't have the Disney CC already, the Disney debit card gets nearly all the same perks without taking up a 5/24 spot. That could be a reason to hang onto the checking account for a bit.

 

[miztressuz]

My Global entry renewal was approved this morning. Took less than 48 hours to approve, I guess renewals don’t require an interview?

Most renewals don't. Some educated guesses based on DPs are 2nd renewals get re interview to update the photo. But many or most first renewals are almost automatic.

 

[calypso726]

My Global entry renewal was approved this morning. Took less than 48 hours to approve, I guess renewals don’t require an interview?

Most renewals don't. Some educated guesses based on DPs are 2nd renewals get re interview to update the photo. But many or most first renewals are almost automatic.

DP: I am on my second renewal. No interview needed and I received my new card shortly after the online approval.

 

[Judique]

Yeah, I just checked, and it's disappeared from all the cards we added it to (5 different ones). I used it on 2 other cards last week, never got an email that it was redeemed. Wondering if I'll get credit now.... not sure when these disappeared!

Has anyone else had the restaurant offer spend $10 or more get back $5 disappear from cards it was added to ? I haven’t used it on 2 card the offer was added to and now it’s gone

I used it on one card out of 8 that we had it on. It credited on Feb 13th, was used at Panera on Feb 5th. It does not show on the 'redeemed' section of the offers, but Office Depot still does as well as Shop Disney - 2 of the 3 offers I redeemed on my Chase Freedom during the same time period.

All of the 7 remaining offers I had are gone bye bye. I guess it was probably super popular or there was a glitch of some sort. I'm guessing glitch.

 

[palhockeymomof2]

Yeah, I just checked, and it's disappeared from all the cards we added it to (5 different ones). I used it on 2 other cards last week, never got an email that it was redeemed. Wondering if I'll get credit now.... not sure when these disappeared!

Some of the cards I used it on have been credited the $5 and it shows as a redeemed offer. One I used it on 2/5 and it never credited or shows as redeemed….so odd

 

[lsutigers03]

I'm still waiting to hear from Chase on why my statement didn't close on Feb 7 like it should have. I've looked at the account a bit more and while I still see a closing date of Feb 7 if I look at the rewards activity it says the pending points will be available Feb 22. All my other cards have the same date for the closing date and the pending points becoming available. Which is what you would expect. Weird situation but as long as my points become available by Feb 22 I'll be happy.

 

[georgina]

I used it on one card out of 8 that we had it on. It credited on Feb 13th, was used at Panera on Feb 5th. It does not show on the 'redeemed' section of the offers, but Office Depot still does as well as Shop Disney - 2 of the 3 offers I redeemed on my Chase Freedom during the same time period.

All of the 7 remaining offers I had are gone bye bye. I guess it was probably super popular or there was a glitch of some sort. I'm guessing glitch.

DH and I each used an offer on Feb 6, and they both credited. We both used an offer Feb 9, nothing yet for his card, mine was a double dip with a Panera offer, the Panera part credited, and I got a screen shot yesterday showing the restaurant part was also redeemed, but no credit yet and that has disappeared from my redeemed offers. And I was just remarking to myself yesterday that it has been a long time since the redeemed offers part actually worked!

 

[becauseimnew]

Yeah, I just checked, and it's disappeared from all the cards we added it to (5 different ones). I used it on 2 other cards last week, never got an email that it was redeemed. Wondering if I'll get credit now.... not sure when these disappeared!

Well this sucks, I used a card with it just yesterday and it was still there when I used it.

 

[LilSweetPeaPhoto]

I got the Chase offer on my IHG card I used it on. But I didn't use it on my Ink yet, and I see it's gone Boooo!

I forgot to change the billing on my kid's braces for this month to my new Delta Plat Biz card. The Feb payment posted yesterday. GRRRR! There's $550 not towards my MSR. UGH. I'm sure I'll be fine, but I like making hitting the spend easy peasy. And $1650 in braces is one way, LOL. Oh well.

@LynnTH - I just checked, and my status has been updated to Diamond!! Thanks again for the Twitter suggestion. Hope yours comes through too!!

Saying hi from the other side now, LOL.

 

[elgerber]

My Chase offers have all vanished too. I used two of them on 2/5 and got the credit. Used another on 2/14 and it's still a pending charge on the card, and the offer is gone. Not cool Chase. Hopefully it's a Glitch, but somehow I doubt it. I still had 8 cards to use it on, and had plans for the weekend to use 4 of them :-(

 

[jujubiee4]

Yeah Chase offers have been a bit weird lately. I did use the food credit and it posted a week later.
However I had a phone alarm/reminder today to use Chase offers. I went on my account right now
and there was nothing in my added! I don't even remember what they were. lol

I wonder if these offers are getting extremely popular. Up until last year I ignored them. However
with inflation and every SINGLE thing we use/buy gone up I look for ANY discount.