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

[FreeDiningFanatic]

I didn't check the Reddit info, but I am nervous PC'ing my CSR in preparation for a new application at the end of December (48 months since my dd). I am okay with a denial since I can PC back to a CSR so I will go ahead with it, esp since my chances for a new CIP are dicey. Will post my decision in early January (last application Dec. 28, 2020, so will apply December 29, 2024 and request expedited shipping since I need the card before Jan 21st).

Just a reminder that your next application for a sapphire should be 48 months since you last earned the bonus on a sapphire. Your dates above seem to be from application date. To further complicate things, since you DD, I think (but others should correct please if I am mistaken) it needs to be 48 months from the bonus on whichever bonus posted last, the CSP or CSR.

 

[palhockeymomof2]

Just a reminder that your next application for a sapphire should be 48 months since you last earned the bonus on a sapphire. Your dates above seem to be from application date. To further complicate things, since you DD, I think (but others should correct please if I am mistaken) it needs to be 48 months from the bonus on whichever bonus posted last, the CSP or CSR.

You are correct it’s 48 months from when the bonus posted on the CSR or CSP

 

[LilSweetPeaPhoto]

I see it was already talked about, but it looks like the Merry Go Round of Casinos is done. And my BF and I took pretty good advantage this year on it w/ the matches at FountaineBleau and Wynn. He picked up a quick trip w/ an overnight in PHL to run down to Oceans and match there. And I found out yesterday, you need to match before 12/1 to be able to get the 2 free nights at Wynn w/o jumping through hoops. So I'm heading to AC next Weds for my super fast matching trip. I should have gone yesterday with him. But I didn't realize I can rematch at Hard Rock. The one in Vegas says you can't. I guess I'll be cancelling my WBE card in Feb....it was fun while it latest.

In Vegas over the weekend with DS and my Brother and SIL. I have had the Wyndham Biz Earners Card for a few years now. Since we go to Vegas at least once a year, I had DS get a card and SIL got one too a few months ago. Mostly useless now.

I saw before we left that you can no longer earn Caesears Diamond with this card, staring Feb 1st. Figured we would at least get to use the Celebration Dinners for DS and SIL. NOPE... Went to the desk and they said we had to gamble some first and earn points but they couldn't tell you how many points we needed... Not a problem - we were staying at Paris and gambled a bunch there anyway.

Went back and they said they had Earned the Celebration Dinner but it wouldn't show up to be used for 2 weeks. What the heck. Was so mad. At least we didn't have to pay any resort fees with the cards but that will be coming to an end, since we can't get Diamond anymore with the Wyndham Biz card... Will be closing that one when the fee comes due.

We're thinking of heading to Vegas this weekend. I know it's race weekend so I'm not sure if I want take on that mess, LOL. When did you match (or rematch) your Caesars? My BF did his back in Feb I think. And I believe is grandfathered into not needing the 100 credits. But he SHOULD have that much as I have 169 and gamble WAY less. I'm upset as we're about to go from having status up and down the strip, to having it no where. We're MGM Gold, Caesar's Diamond, FountaineBleau Gold, Wynn Platinum. And we're going to stop at match at Venetian/Palazzo just cause, LOL. I'm bummed we didn't get out last month for my $150 Bday dinner at Wynn, we did get my BF's in June. Oh well.

 

[StephPlum]

Does anyone know if it is ok to buy gift cards on Barclays (Hawaiian) during MSR?

 

[LynnTH]

I see it was already talked about, but it looks like the Merry Go Round of Casinos is done. And my BF and I took pretty good advantage this year on it w/ the matches at FountaineBleau and Wynn. He picked up a quick trip w/ an overnight in PHL to run down to Oceans and match there. And I found out yesterday, you need to match before 12/1 to be able to get the 2 free nights at Wynn w/o jumping through hoops. So I'm heading to AC next Weds for my super fast matching trip. I should have gone yesterday with him. But I didn't realize I can rematch at Hard Rock. The one in Vegas says you can't. I guess I'll be cancelling my WBE card in Feb....it was fun while it latest.



We're thinking of heading to Vegas this weekend. I know it's race weekend so I'm not sure if I want take on that mess, LOL. When did you match (or rematch) your Caesars? My BF did his back in Feb I think. And I believe is grandfathered into not needing the 100 credits. But he SHOULD have that much as I have 169 and gamble WAY less. I'm upset as we're about to go from having status up and down the strip, to having it no where. We're MGM Gold, Caesar's Diamond, FountaineBleau Gold, Wynn Platinum. And we're going to stop at match at Venetian/Palazzo just cause, LOL. I'm bummed we didn't get out last month for my $150 Bday dinner at Wynn, we did get my BF's in June. Oh well.

I matched back in February. My son and Sister in law just got the card and matched a few months ago. Nothing that says that the Celebration Dinner is not good until a few weeks after earning points. Very disappointed..

 

[PrincessGidget]

Here is another Chase story:
A few months back I asked some advice here and I was ready to set the plan in motion when our Disney visa got hacked, by a lot. Like $25,000 a lot. Which was almost double our credit limit so why have a limit if you are going to let someone blow past it. Before the poop hit the fan my husband applied for the CSP with the plan to refer me. He got instant approval and we shut down the Disney Visa and let the fraud dept do their thing. Well, the ginormous visa bill tanked our credit score and I was now stuck in no mans land without a card.
Long story short, I waited about a month, went to the bank and applied for the freedom with my banker. I added one of my college age boys as an AU. I wanted to add the other one but my banker told me it would not let her. I got instant approval and went on my way. About a week later I was able to add my other college age son as an AU through the app.
A week later I got a letter that they closed my account because of “not enough credit information on file”.
I believe adding my second son triggered this but when I called cardmember services I was told I dont show a mortgage or a car loan so I dont look like a good credit risk.
WHAT? Because we paid off our mortgage 15 years early and I paid off my car I am a bad risk??
I have escalated it but at this point I want to withdraw all my money from Chase and run.

Has anyone heard of this?

Follow up to my Chase drama.
At lunchtime today I checked and my account was still closed. I called my husband and he checked our old mortgage records and we realized it was under my maiden name. Aaaah.
At 3:30 chase called me ( I was busy at work and could not answer) and asked me to call back and speak to a reinstatement specialist.
I will land the plane, my account had been reactivated, probably at that 3:30 message.

 

[djmeredith]

Another Tis the Season for fraud/theft story. Not cc fraud, but I learned tonight that my Etsy package says delivered by USPS on Monday to my mailbox, but I never received it. I was home Monday and retrieved the mail myself; it wasn't in there. It was a decorative newborn baby cap I purchased as a gift. If someone stole it they were probably very disappointed. I live in a small town (outside a large city) and the post office is a mile from me. There hasn't been any mail theft that I've heard of lately. They usually just deliver things to the wrong address. Like 200 Elm St instead of 200 Maple St. I just received someone's giant Chewy dog food box by mistake last week. I loaded it in the car and took it a few doors down. I am hoping that scored me some good deed pts and maybe my pkg will still make its way to me. So frustrating though.

 

[LilSweetPeaPhoto]

As things often are in travel w/ me....changed plans from Vegas to Cancun last night, LOL. Back in Feb, I messed my hip up tremendously in Vegas when all the escalators were broken on the strip. My job at Home Depot (while I find my next chapter) has been killing my legs/hip. When I was in San Diego in October, my legs were so swollen every night. With F1 I was worried. We planned on staying at the Westin, and it's inside the race loop. I think access to the hotel stops at like 2pm each day. Which means walking to even get to an Uber if we needed one.

Last night I checked and rooms were open at the Royalton in Cancun. I ended up booking 2 separate nights. For night 1 we're in the Hideaway area, meaning the adults only. For night 2 it was 88k points, so I swapped us to the regular resort. I'm hoping MAYBE they let us stay and not swap rooms. Or that they at least don't steal our bracelets off, LOL. We'll spend Friday in the adult section. And hopefully most of Saturday. We'll be able to use the adults only restaurant for breakfast on Saturday, we normally do room service or the buffet the day we leave anyways. So I think we'll be okay.

As soon as I swapped our booking from Vegas to Cancun, my hip has been on fire. It's almost like it was trying to be a good sport, and "suck it up" incase I had to walk a lot, LOL. So I'm looking forward to being lazy in the sun!

We MIGHT lose out on the $150 we have at FountaineBleau. And the $200 in spa credits at the Wynn. But Wynn spa was advertising that they had raised the rates since it's F1. So I'm sure the credits would be a wash!

 

[leeniewdw]

Has anyone had issues with the Virgin Atlantic website? I keep getting this message when trying to login:

Sorry, something went wrong. Please try again later ERROR_MSG_21​

I'd like to cancel my return trip from Switzerland departing from Geneva to Zurich. Maybe I'll just call. I got this error last week when I tried too. I've tried 2 different browsers on laptop as well as my phone.

 

[hsmamato2]

so I'm thinking of making a purchase within the next week that *should* qualify for my CSR tc..... I see my date to last use it was 12/20/23- how do I know when it will reset? I pc'd up,and will most likely pc down after I use it.....

 

[Crazed4DisneyinSC]

For those with US Bank business cards, how inquiry sensitive are they? Do they follow any rules like Chase does, such as 5/24, etc? We need a new card. DH is 5/24 currently, with 3 of those in the past year. One card will drop off next month (December), another in February 2025. Just wondering our chances of an approval with US Bank (for a business card), who we've never had a relationship with.

 

[StephPlum]

so I'm thinking of making a purchase within the next week that *should* qualify for my CSR tc..... I see my date to last use it was 12/20/23- how do I know when it will reset? I pc'd up,and will most likely pc down after I use it.....

Travel credit resets on your anniversary. My AF posts in September and my TC resets in October.
You can see when it resets by going to the Card Benefits page. Where mine says in use it should say used and when it resets.

 

[wanderlust7]

For those with US Bank business cards, how inquiry sensitive are they? Do they follow any rules like Chase does, such as 5/24, etc? We need a new card. DH is 5/24 currently, with 3 of those in the past year. One card will drop off next month (December), another in February 2025. Just wondering our chances of an approval with US Bank (for a business card), who we've never had a relationship with.

USB is inquiry sensitive. They pull Transunion for most people, which is usually not what Chase pulls. Not sure if the exact criteria is known, but DH has been approved with 1/6 inquiries with no relationship.

 

[FreeDiningFanatic]

In regards to Chase patterns, wanted to speculate that I've seen some posts on reddit recently on various subs that lead me to believe that Chase is being very aggressive with tightening up on bust out risk. Perhaps that has to do with the election and perhaps that will be short term. One thing specifically that caught my eye was a non-churner new to the Chase ecosystem who opened a Sapphire, made ordinary charges and partially paid them off before statement cut. To Chase, he looked like he was attempting to cycle credit and they closed his account within the first month.

Just thought I'd mention it here if we have new users to the Chase ecosystem. I know lots of people here pay their balances early, even before the statement cuts. If you are newish to Chase, I really wouldn't recommend it, certainly not right now while Chase seems to be tightening up.

Here's some other commentary I thought was useful speculation regarding Chase right now:

 

[StephPlum]

On hold with Marriott (and holding back tears).... I called Fairfield Anaheim Resort to put a note on my reservations (had one on cash and one using 2 FNCs) to link so I could stay in the same room all 3 nights. Well the CSR merged them but when she merged it she removed my FNCS and took 114K points as the nights are higher points now. She never even said that she was doing that. I would have said leave them alone. OMG. I'd never pay 114K points. Trying to get it resolved but I may need to pay OOP or cancel the trip. Very upsetting.

 

[georgina]

On hold with Marriott (and holding back tears).... I called Fairfield Anaheim Resort to put a note on my reservations (had one on cash and one using 2 FNCs) to link so I could stay in the same room all 3 nights. Well the CSR merged them but when she merged it she removed my FNCS and took 114K points as the nights are higher points now. She never even said that she was doing that. I would have said leave them alone. OMG. I'd never pay 114K points. Trying to get it resolved but I may need to pay OOP or cancel the trip. Very upsetting.

Wow, that is terrible. When I have asked before about using multiple FNCs and cash reservations, I have usually been told to wait until I arrive and ask then about staying in the room. So sorry this happened to you!

 

[georgina]

In regards to Chase patterns, wanted to speculate that I've seen some posts on reddit recently on various subs that lead me to believe that Chase is being very aggressive with tightening up on bust out risk. Perhaps that has to do with the election and perhaps that will be short term. One thing specifically that caught my eye was a non-churner new to the Chase ecosystem who opened a Sapphire, made ordinary charges and partially paid them off before statement cut. To Chase, he looked like he was attempting to cycle credit and they closed his account within the first month.

Just thought I'd mention it here if we have new users to the Chase ecosystem. I know lots of people here pay their balances early, even before the statement cuts. If you are newish to Chase, I really wouldn't recommend it, certainly not right now while Chase seems to be tightening up.

Here's some other commentary I thought was useful speculation regarding Chase right now:

View attachment 914871

Haven't heard much at all about recent application results. I tried unsuccessfully before the CIU offer expired in early Nov, will probably try again for one of the Inks in Dec and see what happens.

 

[VGCgroupie]

Has anyone charged TSA precheck to their Amex Plat since it started being processed by Clear? I didn't do the bundle, I signed up for Clear and then did TSA Precheck separately, it billed as TSA Precheck by Clear and only credited me 37.95 not the full 77.95.

 

[StephPlum]

On hold with Marriott (and holding back tears).... I called Fairfield Anaheim Resort to put a note on my reservations (had one on cash and one using 2 FNCs) to link so I could stay in the same room all 3 nights. Well the CSR merged them but when she merged it she removed my FNCS and took 114K points as the nights are higher points now. She never even said that she was doing that. I would have said leave them alone. OMG. I'd never pay 114K points. Trying to get it resolved but I may need to pay OOP or cancel the trip. Very upsetting.

maybe it is a Christmas miracle! The person I called at corporate put in a case with the Case Resolution Team. She said it could take up to 3-5 business days. I would have been on edge waiting that long. Fortunately I just received an email that they will convert my FNCs to points and give me courtesy points to make me whole. . Very happy that they resolved it so quickly and to what I wanted - back to the price I booked in July.

I tamped down the snark because the email they sent implies, well actually says, that I tried to change my reservations to add a date and I should make two reservations in the future. That's what I had until the CSR messed it up! Lesson learned. I'll ask at the front desk when I arrive if I want to stay in the same room for any future stays.

 

[djmeredith]

Another Tis the Season for fraud/theft story. Not cc fraud, but I learned tonight that my Etsy package says delivered by USPS on Monday to my mailbox, but I never received it. I was home Monday and retrieved the mail myself; it wasn't in there. It was a decorative newborn baby cap I purchased as a gift. If someone stole it they were probably very disappointed. I live in a small town (outside a large city) and the post office is a mile from me. There hasn't been any mail theft that I've heard of lately. They usually just deliver things to the wrong address. Like 200 Elm St instead of 200 Maple St. I just received someone's giant Chewy dog food box by mistake last week. I loaded it in the car and took it a few doors down. I am hoping that scored me some good deed pts and maybe my pkg will still make its way to me. So frustrating though.

I had a Christmas miracle today too! Quoted myself to report back that I made a missing item report online with USPS last night. My local Postmaster called this morning before 10:00 am to tell me they found the package. She explained that a newer mail carrier delivered it one street over (as I suspected), and that it had been retrieved and was now in my mailbox. It was there when I got home!