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

[Crazed4DisneyinSC]

and..... what's the wording to ask for a match? 1st time doing this.....thanks

I say something like..."I was just approved for the Ink *insert card* with a referral offer of *x amount* points after spending *insert MSR*. I am requesting that you match to the public offer of *x amount* points."

 

[TheDailyMoo]

Happy Labor Day…P2 might’ve changed their mind about accepting the 120k with my 40k referral. Is it too late considering it’s a holiday? Will both go through with a match today? It is today the last day correct? Gah nothing like waiting for the last minute.

On a separate note I had P2 refer me to the Amex Gold even though I have the plat and it showed me the 100k+20% back offer and of course…it’s a no go. Boo. I had heard sometimes plat owners are given the gold sub but nope. lol

 

[EACarlson]

Hi all.
My 20yo CP CM is home for the weekend and has expressed interest in getting his first CC. He doesnt need miles or points or travel credits, he needs something with no AF that will help him build his credit. His money is in Citibank if that helps/matters.
Thanks

Double Cash or Custom Cash if he's already a Citibank customer. My personal preference is the Double Cash as I feel it's better for a lower number of cards.

 

[miztressuz]

If it is the Target Visa. If it is just the store/debit card I'm not sure.

Discover is also a good card for no credit starting out but not sure if the student version matches cash back at the end of the first year like the regular one. If it does may want to hold off until January on that one.

The Discover Student IT card is the same card as the regular IT card, just with different underwriting criteria. So it has the same 5% rotating categories, same redemption options, and the same cashback match. If you apply as a student they lower the income requirements and will evaluate without a credit score, if you don't have one yet. (Same for their other IT Chrome card with fixed categories, you can apply for the student version of that.)

What's the benefit to waiting until January to apply? I find that applying mid quarter gets you the most opportunity for maxing the quarterly caps during the first year match. Starting within the quarter opens up a 5th quarter of categories for a total of $750 at the effective 10% during the first 12 building cycles or 365 days (whichever is longer) first year match period. This was easier to time when they would release the whole year calendar, to decide which quarters would be most beneficial to cover with an application. I would check out when they release next quarters categories at least, even with the delay to Sep 15 to activate, that still gives half the quarter to catch up, and half of next year's Q3 to use.

 

[smallsy]

We did 2 road trips -

1) PHX - Monument Valley - Page - Antelope Canyon - Grand Canyon - Sedona - Back out of PHX
This was flying out on a Friday and flying home on Sunday. LOTS of driving but we made many stops. MV, Antelope Canyon and Sedona were the highlights of the trip. Grand Canyon was at the bottom. It wasn't bad, just in comparison. We stayed a night on the rim and eat dinner at the lodge. Really fell in love with Sedona. I purposely had that as the last stop before heading home in order to get some rest. We made another trip to stay there when DD went on a college visit to UAriz.

2) Vegas (1 week timeshare) - Zion/Bryce (1 night hotel) - Red Canyon - Death Valley - Disneyland (3 nights) - up the PCH all the up to Seattle passing by the redwood forests, Oregon sand dunes, Columbia gorges, Mount Rainer, etc. Met the grandparents in Seattle for a 1 week cruise to Alaska. The entire trip was about 3-4 weeks including the cruise. I forget the miles without looking at my notes.

Honestly, I wouldn't cut Antelope Canyon or Sedona UNLESS you are sure you will be back in the area in the future. The Grand Canyon is one and done for me (unless we want to visit the north rim one day). Monument Valley was worth the drive to see. We did stay one night at the reservation hotel that faced the mittens and did a guided tour with the Native American guide in the back county (reservation).

Vegas and DL maybe on another trip?

Have fun planning!

Yes, DH and I actually had our engagement photos done in Sedona and Antelope Canyon while we were there. It's absolutely stunning! I guess I figured we could skip since we've been there already (though the kids haven't), but DH has never seen the Grand Canyon. I agree that from what I remember GC is a cool experience but is sort of a one and done for me. I don't really want to make Vegas a sightseeing stop, but it just seems to be an easy place to either fly into or stay overnight to break up the driving.

 

[wanderlust7]

Happy Labor Day…P2 might’ve changed their mind about accepting the 120k with my 40k referral. Is it too late considering it’s a holiday? Will both go through with a match today? It is today the last day correct? Gah nothing like waiting for the last minute.

Yes, today is the last day for the 40k support. The 120k CIP is supposed to end morning of 9/5. If your app goes pending and isn't approved until the offer has ended, there's more risk that they won't match. You can take a screen shot and hope that helps. Or you can call tomorrow and try to get it pushed through.

Alternatively, you could go for a CIU with a 75k offer via support and ask to match to 90k. This is a newer offer, but there are some match data points already.

 

[VGCgroupie]

Happy Labor Day…P2 might’ve changed their mind about accepting the 120k with my 40k referral. Is it too late considering it’s a holiday? Will both go through with a match today? It is today the last day correct? Gah nothing like waiting for the last minute.

On a separate note I had P2 refer me to the Amex Gold even though I have the plat and it showed me the 100k+20% back offer and of course…it’s a no go. Boo. I had heard sometimes plat owners are given the gold sub but nope. lol

You should try calling the 2 numbers at chase and see if they are working today, maybe they are.

Did Amex give you the pop up that said no? After much deliberation I decided the platinum will be better than a delta card for us. But I just got a sub on a Gold Biz. FB groups said I should still be able to get the 250k platinum I was targeted for on Plat Biz but I’m a bit nervous I won’t see that pop up they claim to have.

 

[SleepyatDVC]

DP - nothing like the last minute FOMO on Chase URs.

Got our property school tax bill in the mail on Saturday. First time paying it ourselves since we paid off our mortgage in May!

$7000+ due by 9/30/2024 with another $7000+ due 1/31/2025. 2.65% fee to pay by credit card. Thought about it long and hard. It would obviously only make sense if we could complete a SUB...

We referred my DD23 for the CIP to help her accumulate her own stash of URs (while we would get the 40k support bonus). She applied 1 hour ago and got instant approval!! Her new CL is only $5k but she has a CL of $7K on a CIU she got in August 2023. Her original CL on the CIU was $3k but they increased it to $7k on their own some time this year. So, we will have her move $3k of that CL to her new CIP in order to pay our tax bill later this month.

What a relief to squeak under the deadline. It can't hurt to try today for anyone else still sitting on the fence...

 

[Judique]

Just approved for CiU with support 40k.... I already have CiP, CiU and CiC- 3k CL (lol) Do I Sm immediately to match?I'm gonna ask for expedited first, then send another?

I was out in my yard most of the day today and I'd forgotten to apply.

Saw you got approved and just did it. Instant approval!

 

[NewbieMom]

I was encouraged by all the approval DPs (and FOMO) to go for the CIP this morning. My stats aren't that great - 80 days since last ink, $20k outstanding balance floating, and 4 existing inks (today's #5). Instant approval! However, when I logged into my account to try to request the match, it's not there. I have the email approval notice as well. Could this be a case where they oddly make a 2nd account to put the card in? I've never had this happen before where it doesn't show up in my existing account. Could I still SM from my existing account even though it's not showing there? I don't want to miss the match when the public offer goes away.

 

[VGCgroupie]

I was encouraged by all the approval DPs (and FOMO) to go for the CIP this morning. My stats aren't that great - 80 days since last ink, $20k outstanding balance floating, and 4 existing inks (today's #5). Instant approval! However, when I logged into my account to try to request the match, it's not there. I have the email approval notice as well. Could this be a case where they oddly make a 2nd account to put the card in? I've never had this happen before where it doesn't show up in my existing account. Could I still SM from my existing account even though it's not showing there? I don't want to miss the match when the public offer goes away.

Do you have an existing biz login? For me when I went to link accounts in the app/online it showed a relationship but wouldn't allow me to link, it didn't show in my account for servicing though. So I called them and they were able to get it linked up for me right away and I was able to request the match under the new acct.

 

[NewbieMom]

Do you have an existing biz login? For me when I went to link accounts in the app/online it showed a relationship but wouldn't allow me to link, it didn't show in my account for servicing though. So I called them and they were able to get it linked up for me right away and I was able to request the match under the new acct.

Yes, I do have an existing login. This is my 5th biz card.

 

[VGCgroupie]

Yes, I do have an existing login. This is my 5th biz card.

They should be able to get it linked for you over the phone easily then.

 

[becauseimnew]

Another last minute CIU approval using DH's support link.
4 open Chase Biz cards, this makes 5, $3K CL.

 

[Judique]

I was encouraged by all the approval DPs (and FOMO) to go for the CIP this morning. My stats aren't that great - 80 days since last ink, $20k outstanding balance floating, and 4 existing inks (today's #5). Instant approval! However, when I logged into my account to try to request the match, it's not there. I have the email approval notice as well. Could this be a case where they oddly make a 2nd account to put the card in? I've never had this happen before where it doesn't show up in my existing account. Could I still SM from my existing account even though it's not showing there? I don't want to miss the match when the public offer goes away.

Mine wasn't there when I logged in either. I refreshed the page and there it was right on the bottom. Hopefully this is the same for you.

 

[NewbieMom]

Mine wasn't there when I logged in either. I refreshed the page and there it was right on the bottom. Hopefully this is the same for you.

I was hoping so, but I've logged in and out for a couple hours now and it hasn't showed up.

They should be able to get it linked for you over the phone easily then.

Thanks, I'll give them a call. I was really hoping to not have to. I really hate calling!!

 

[VGCgroupie]

Got a response to my match request I made 2 days ago. This time the verbiage was different than what they gave on DH account. They said they would match after the spend is met but added a disclaimer saying as long as I have received a bonus for this same type of card in the last 24 months.

 

[hsmamato2]

I was out in my yard most of the day today and I'd forgotten to apply.

Saw you got approved and just did it. Instant approval!

Awesome! Strange..... Ds app'd today,and told me it went thru fine, he was all set- yet no new cc # showing in his acct page after a few hours still- very odd. Mine showed almost immediately

 

[hsmamato2]

Do you have an existing biz login? For me when I went to link accounts in the app/online it showed a relationship but wouldn't allow me to link, it didn't show in my account for servicing though. So I called them and they were able to get it linked up for me right away and I was able to request the match under the new acct.

Ok I just posted my ds' experience of his new cc not showing, it's his 3rd biz cc,and the first time it hasn't shown automatically. Maybe b/c it's a holiday,and I'm guessing super busy app day things are glitchy? I'll have him call tomorrow if it doesn't show- I did mine first thing this am maybe before things got crazy

 

[TheDailyMoo]

You should try calling the 2 numbers at chase and see if they are working today, maybe they are.

Did Amex give you the pop up that said no? After much deliberation I decided the platinum will be better than a delta card for us. But I just got a sub on a Gold Biz. FB groups said I should still be able to get the 250k platinum I was targeted for on Plat Biz but I’m a bit nervous I won’t see that pop up they claim to have.

I have the personal plat from before they changed the lifetime language about getting the Gold after the fact. So yeah I went through the process and they said I was ineligible and did I want to go through with it anyway...obviously I said no lol.

I do have the biz plat but with business cards they do allow the biz Gold to be had after the plat so all good there. We're skipping the great Chase offer this time but hopefully we can add more AMEX points with a good SUB soon.