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

[becauseimnew]

I did this at one point. I'm hesitant to buy any since I'm having issues liquidating them at the moment.

Oh no I hope you can figure it out soon. I usually only buy enough to pay for our utilities, insurance and costco.

 

[bbsearchlight]

They currently have a 45 day expiration, but I'm going to order them ASAP and I don't want them to disappear.

Yes, I’ve done this. It’s been awhile, but I believe it was as simple as just signing up for a business account under my name - I don’t think any additional “business” info was required. I will give a warning though - check how quickly the offer expires. Last time I used a Quill offer, it had a super short expiration date (like 5 days, I think?) Quill took awhile to ship my VGC, and the transaction ended up posting after the offer expired, so I didn’t end up getting anything back. That said, I’ve used other Quill offers in the past with no issue - I was just unlucky on that one.

Quill has become extremely difficult with ordering the visa gift cards in the last year. The last time I tried to order them it kept getting cancelled even though it was on a business card, using a business account, and being shipped to the business. After numerous calls with them, I finally just gave up.

 

[bbsearchlight]

Has anyone noticed that the website to register Metabank visa and Mastercard gift cards (giftcardmall.com/mygift) has either been down or extremely slow all weekend?

 

[havaneselover]

Oh no I hope you can figure it out soon. I usually only buy enough to pay for our utilities, insurance and costco.

Yes--Costco works for me too. Just paid auto insurance through August and homeowners is < $400/year so I pay it with my mortgage. I'm guessing I could use them for personal property tax too. Currently sitting on $2000. I also have a $3600 tuition bill for grad school (only one class this quarter!) but Indiana University charges 2.75% for debit cards so I'd rather not use them to pay tuition. I know I'll be able to use them, but I don't think I'll be liquidating $6k / month going forward

 

[snugglebug]

Woke up to an alarming email from Chase, that I had a new letter in my account. It was dated yesterday, and said they had approved my application. My last application was Jan 23, but when I called, they said yes, the letter was about that!

I got a couple of emails from PNC Sunday morning at 4 AM that a new mobile account was trying to link to my checking account, the hold time was really long when I called about that so I just changed my username and password. Not sure what that was about.

I had the same thing yesterday from PNC. I received 4 emails. I know I've used that account to pay Amex (between me and P2 we have 4 Amex accts) so I thought maybe Amex was trying to reauthorize something. I just changed my password since everything in my account looked fine.

 

[TheOneWithTheTriplets]

Has anyone noticed that the website to register Metabank visa and Mastercard gift cards (giftcardmall.com/mygift) has either been down or extremely slow all weekend?

I had trouble with a MC today. Didn't run as expected, tried to check balance, for page didn't load and then loaded enough to have me enter card number but didn't return results.

 

[becauseimnew]

Quill has become extremely difficult with ordering the visa gift cards in the last year. The last time I tried to order them it kept getting cancelled even though it was on a business card, using a business account, and being shipped to the business. After numerous calls with them, I finally just gave up.

This isn't good. I just signed up for a business account but I'm not able to purchase a VGC.

 

[Oscar Madison]

Hello: I followed this thread for about 2 years religiously and then gradually stopped checking in after I stopped signing up for new cards beginning in mid 2020.

I'd like to get back in the game but have been out of the loop and I suspect much has changed. I started by reading the first few pages of this year's thread, as well as the last several current pages over the last few days.

Looking for advice on the best way to get back in the game. I'm guessing by the fact that this thread still exists means it's still a worthwhile pursuit.

Both my P2 and myself are 0/24. I'm seeing the CIC has a good offer right now.
I have CIC, CSR, CFU, AMEX BB, and CIU.
P2 CFU, CFx2.

We have about 111k UR and have used them to go on a few cruises and travel around the US. All 3 kids are out of the house now but some of them accompany us on trips but mostly it's just the two of us. Our son is in the military so we go visit him too.

Thank you in advance for any advice.

 

[becauseimnew]

Hello: I followed this thread for about 2 years religiously and then gradually stopped checking in after I stopped signing up for new cards beginning in mid 2020.

I'd like to get back in the game but have been out of the loop and I suspect much has changed. I started by reading the first few pages of this year's thread, as well as the last several current pages over the last few days.

Looking for advice on the best way to get back in the game. I'm guessing by the fact that this thread still exists means it's still a worthwhile pursuit.

Both my P2 and myself are 0/24. I'm seeing the CIC has a good offer right now.
I have CIC, CSR, CFU, AMEX BB, and CIU.
P2 CFU, CFx2.

We have about 111k UR and have used them to go on a few cruises and travel around the US. All 3 kids are out of the house now but some of them accompany us on trips but mostly it's just the two of us. Our son is in the military so we go visit him too.

Thank you in advance for any advice.

Have P2 apply for a CIC or CIU using your support link, that will earn you 20K from the referral and 90K for the SUB.
Then once P2 has a CIC/CIU they can send you a support link and you can apply for the CIC/CIU. The MSR would be $12K for both cards but it would earn you 220K URs.

As long as you are approved for the Chase Ink you'll earn the SUB even if you already have one. Most of us are opening a new Ink card every 3 months.

 

[reliev]

I’m not sure I understand the question. I’ve only tried ebags packing cubes. Have used them for years and have washed them multiple times. They are super light and store well inside a large packing cube which I never use.

sorry away has these packing cubes, wasn't sure if those were similar or not. I also wasn't sure it was worth the $

 

[StephPlum]

Quill offer on Chase Biz cards.
Earn 20% back on all of your Quill.com purchases, until a $50.00 back maximum is reached.

I know they sell VGC, but you have to register as a business. Has anyone registered their "business"?

I usually act on the quill offers. I know I have an account but that was all I did to “register”.

 

[StephPlum]

All of my restaurant offers are back and the two I double stacked with a Panera offer credited (both the $5 and the 10%).

 

[wdwcindy]

I am trying to maximize the Chase Kindle offer. Chase offer is 20% up to $4 for a Kindle ebook purchase. Kindle ebooks can only be purchased using 1-click so there is no chance to choose multiple ebooks to max out the offer. Per Chase the offer is valid one time only and I don't usually buy $20 books. Any way to max this offer with multiple ebooks?

 

[Oscar Madison]

Have P2 apply for a CIC or CIU using your support link, that will earn you 20K from the referral and 90K for the SUB.
Then once P2 has a CIC/CIU they can send you a support link and you can apply for the CIC/CIU. The MSR would be $12K for both cards but it would earn you 220K URs.

As long as you are approved for the Chase Ink you'll earn the SUB even if you already have one. Most of us are opening a new Ink card every 3 months.

Thank you! We’ll restart with the CIC for P2.

 

[Crazed4DisneyinSC]

DH is recently down to 2/24. He got a CSP around Dec 15 2022, so only like 60 something days ago. I know recommended pacing is 3 months... but I really want to jump on another CIC before the elevated sub goes down. His last Chase card before that was a CIU in January 2021. Do ya'll think he's good to apply now, even though it hasn't been 90 days since last card? Given that his last Chase card prior to that was 2 years ago?

 

[palhockeymomof2]

DH is recently down to 2/24. He got a CSP around Dec 15 2022, so only like 60 something days ago. I know recommended pacing is 3 months... but I really want to jump on another CIC before the elevated sub goes down. His last Chase card before that was a CIU in January 2021. Do ya'll think he's good to apply now, even though it hasn't been 90 days since last card? Given that his last Chase card prior to that was 2 years ago?

I think he will be fine applying…remember to have him use your support link

 

[Arcades]

DH is recently down to 2/24. He got a CSP around Dec 15 2022, so only like 60 something days ago. I know recommended pacing is 3 months... but I really want to jump on another CIC before the elevated sub goes down. His last Chase card before that was a CIU in January 2021. Do ya'll think he's good to apply now, even though it hasn't been 90 days since last card? Given that his last Chase card prior to that was 2 years ago?

There's probably a low amount of risk with upping your velocity in the amount you're suggesting. There are people who push it far, far more.

 

[Crazed4DisneyinSC]

I think he will be fine applying…remember to have him use your support link

Thanks for the reminder! I hate to admit that I've forgotten once or twice

 

[CyndiLouWho]

Thanks for the reminder! I hate to admit that I've forgotten once or twice

Same. I've done it a couple times and kick myself afterwards

 

[miztressuz]

DH is recently down to 2/24. He got a CSP around Dec 15 2022, so only like 60 something days ago. I know recommended pacing is 3 months... but I really want to jump on another CIC before the elevated sub goes down. His last Chase card before that was a CIU in January 2021. Do ya'll think he's good to apply now, even though it hasn't been 90 days since last card? Given that his last Chase card prior to that was 2 years ago?

The 2-3 month pacing for Chase cards is just a guideline to keep your velocity in check. It's very easy to keep getting cards, going through the sign up spends quickly, and start looking like a risk to Chase. When Chase thinks you're too risky they can decide to just shut you down - not just deny a card, but cancel the relationship; all cards cancelled and only option is to transfer or cash out your remaining UR balance within 30 days. Kinda scary if you value the Chase ecosystem BUT don't be too scared, just be aware of your velocity and risk profile.

If he's only had 2 Chase cards in the last 2 years, I think your velocity is fine. I've been comfortable doing 3 cards in 2 months at times with my credit situation.

I'm trying to find the summary post from @SouthFayetteFan as a reminder for why the 3 month suggestion was created. Based on the DPs from the big Chase shutdown years ago, there had been some number of new cards per 3/6/12 month look back period. Basically getting a card every 2-3 months kept one within those velocity recommendations. (Getting 5 cards in 6 months tended to look risky. Getting 2-3 cards? Less risky.) Each person has their own tolerance for risk and their own risk profile, so while we all can give advice and DPs of our own experiences, it's ultimately up to the applicant's comfort with their unique situation.

While I don't think you look like much of a risk now (2 in 60 days), just keep this pacing in mind when doing future applications. If it were me I'd be ok with applying now if it fits your expected spend pattern.