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

[tink89]

Hi everyone. Been on this board a few times here and there but have not applied for a credit card in 2 years. We do have a few trips coming up where we will need to fly, but we dont usually fly a lot or with one specific airline. Would it be better to apply for another hotel card or airline card?

Already have CSP and do not want any biz cards. We stay at Hyatt, Marriott and Hilton hotels mostly. Already have a few amex hilton cards and the Hyatt card. Should we go for the Marriiott bonvoy card with the 100k points or the american airlines card with the $200 off and 40k miles. Or should we look else where? Amex?

Thanks

 

[becauseimnew]

Hi everyone. Been on this board a few times here and there but have not applied for a credit card in 2 years. We do have a few trips coming up where we will need to fly, but we dont usually fly a lot or with one specific airline. Would it be better to apply for another hotel card or airline card?

Already have CSP and do not want any biz cards. We stay at Hyatt, Marriott and Hilton hotels mostly. Already have a few amex hilton cards and the Hyatt card. Should we go for the Marriiott bonvoy card with the 100k points or the american airlines card with the $200 off and 40k miles. Or should we look else where? Amex?

Thanks

If you want an American Airlines cards, I would go with the Barclay 60K miles. https://cards.barclaycardus.com/banking/cards/aadvantage-aviator-red-world-elite-mastercard/

That Marriott card SUB isn't that great.
I have seen some links for American Express Gold card with the 90K SUB. Which is worth way more than the 100K Marriott sub.

 

[emilymad]

Hi. I am new to this thread and was looking to open a new card so I thought I would ask for some advice. It has been many years since I have opened a new card. I currently have a Southwest card and a Marriott Amex. Southwest is really decreasing at my home airport and I want to dump the Marriott Amex as soon as I use up my points. We are finding that we don't travel with any one brand hotel and we haven't settled on any one airline yet. I was thinking of trying UR since I am not earning them at all right now.

I was looking at the CSP card since I don't want to spend the annual fee on the CSR. I also considered the Amex Gold but I thought maybe UR are more valuable.

I would love your thoughts if I am on the right track or not.

 

[becauseimnew]

Hi. I am new to this thread and was looking to open a new card so I thought I would ask for some advice. It has been many years since I have opened a new card. I currently have a Southwest card and a Marriott Amex. Southwest is really decreasing at my home airport and I want to dump the Marriott Amex as soon as I use up my points. We are finding that we don't travel with any one brand hotel and we haven't settled on any one airline yet. I was thinking of trying UR since I am not earning them at all right now.

I was looking at the CSP card since I don't want to spend the annual fee on the CSR. I also considered the Amex Gold but I thought maybe UR are more valuable.

I would love your thoughts if I am on the right track or not.

CSP is a great card to start out with. We always recommend you start out with Chase cards, unless there is a really good bonus on another card.

I prefer Chase points because I can transfer them to Hyatt and Southwest.

You can find support links for Chase cards on our Reddit page.

https://www.reddit.com/r/DISchurners/comments/zyf3kt

 

[Duckbug.Ducktales]

I'm getting a refund on a purchase to CIC that had already met the MSR last month. It's $300 and will put me below the MSR, but I've already transferred the points to my CSR (and later to Hyatt) anyway. Should I throw another $300 spend to that card from fear that Chase will get mad?

I still have a couple of weeks within the 3 months since account opening. I worry about logging in to my account and seeing negative UR balance lol

 

[leeniewdw]

I'm getting a refund on a purchase to CIC that had already met the MSR last month. It's $300 and will put me below the MSR, but I've already transferred the points to my CSR (and later to Hyatt) anyway. Should I throw another $300 spend to that card from fear that Chase will get mad?

I still have a couple of weeks within the 3 months since account opening. I worry about logging in to my account and seeing negative UR balance lol

I do not have the experience of the rest of this thread but that happened to me when I had already met the MSR for for CIC. I went ahead and met the credit amount in the same billing period that the credit was in. Advice here was that Chase was not as sensitive as Amex, but I did it anyway and have no issues and got the 90k SUB for that card.

 

[palhockeymomof2]

I'm getting a refund on a purchase to CIC that had already met the MSR last month. It's $300 and will put me below the MSR, but I've already transferred the points to my CSR (and later to Hyatt) anyway. Should I throw another $300 spend to that card from fear that Chase will get mad?

I still have a couple of weeks within the 3 months since account opening. I worry about logging in to my account and seeing negative UR balance lol

I alway make up the spend if something is refunded…just for my own peace of mind

 

[djmeredith]

Can you have the AmEx Hilton biz and a Hilton personal at the same time? I applied for the Hilton Aspire and got the pop up. I am wondering if I should cancel the biz and try again, or if I got the pop up for some other reason.

 

[afan]

Can you have the AmEx Hilton biz and a Hilton personal at the same time? I applied for the Hilton Aspire and got the pop up. I am wondering if I should cancel the biz and try again, or if I got the pop up for some other reason.

You can have all 4 Hilton at the same time. You can have more than one aspire at the same time.

I'd put more spend on your cards or see if you can find a different offer to try since sometimes that helps.

 

[djmeredith]

You can have all 4 Hilton at the same time. You can have more than one aspire at the same time.

I'd put more spend on your cards or see if you can find a different offer to try since sometimes that helps.

Thank you!

 

[djmeredith]

I just tried the Aspire application again and got the we can't make a decision right now message. Does AmEx have a recon line I should call?

 

[calypso726]

I just tried the Aspire application again and got the we can't make a decision right now message. Does AmEx have a recon line I should call?

(800) 567-1083

 

[djmeredith]

(800) 567-1083

Thanks so much! I called and found out that I was approved. Note to self: check email next time. They had actually already sent an email letting me know I had been approved and asking if I wanted to accept the card. They also expedited it for me. I am so glad to have Diamond status because I have several Hilton stays planned this year.

 

[wweazel]

All right, this is SO tempting! Just use split payment to book a refundable cruise, then figure out the actual cruise later--is that correct?

Also, has anyone used Costco to book a cruise lately? They were my go-to for DCL cruises but it's been a few years since we've cruised.

We just returned from a quickie RCCL Cruise (Jan 13 - 16) that I booked directly and then transferred to Costco. I actually had to make a change to a person on our itinerary a week before we sailed - a quick easy call to Costco travel, change was in my RCCL app within 2 minutes. Received my E- Shop card about 2 weeks after the cruise - and already spent it!

 

[disneylover81]

I'm getting a refund on a purchase to CIC that had already met the MSR last month. It's $300 and will put me below the MSR, but I've already transferred the points to my CSR (and later to Hyatt) anyway. Should I throw another $300 spend to that card from fear that Chase will get mad?

I still have a couple of weeks within the 3 months since account opening. I worry about logging in to my account and seeing negative UR balance lol

I wonder about this same thing too. I booked SWA flights while meeting MSR on my new SWA biz card. I’m also in the process of earning CP, so if I do earn it before my flight dates, obviously I’d want to cancel the second ticket for a refund and add DH as my companion. I’m well past my 3 months now and have already earned my SUB. I can’t say for sure I spent whatever the second plane ticket costed before the 3 months to make up the difference. I could go back and look at all my expenses and figure it out if I needed to, but if I didn’t meet the difference and canceled the ticket, would chase go back and take away my SUB? I have spent tons on that card since and they just increased my credit limit. It may not be worth the risk, but then again that’s $500 I could get back in my pocket.

 

[disneylover81]

Today was a good day for me. I had 2 Chase offer credits post to my account. On my SWA biz, I had a $20 offer on SWA purchases, which I booked a flight for DS last week. Then I had a $35 offer on $100 spend on Carnival Cruise so I made a payment toward my July cruise.

 

[jenmsmith]

I wonder about this same thing too. I booked SWA flights while meeting MSR on my new SWA biz card. I’m also in the process of earning CP, so if I do earn it before my flight dates, obviously I’d want to cancel the second ticket for a refund and add DH as my companion. I’m well past my 3 months now and have already earned my SUB. I can’t say for sure I spent whatever the second plane ticket costed before the 3 months to make up the difference. I could go back and look at all my expenses and figure it out if I needed to, but if I didn’t meet the difference and canceled the ticket, would chase go back and take away my SUB? I have spent tons on that card since and they just increased my credit limit. It may not be worth the risk, but then again that’s $500 I could get back in my pocket.

Did you book a refundable fare for DH? If not, then you’d have a travel credit instead of a refund on your card.

If so, and you do get the money returned to your card, it sounds like you’ve already made up the spend in other spend. So I wouldn’t think that will be an issue.

 

[sinnika]

I decided to book 2 nights at the Hyatt Place Amsterdam airport location in April. Transferred points from Chase to Hyatt and a link popped up for 3000 bonus points for staying 2 consecutive nights. Don’t know if it applies to reservations made with points but you do have to register for the offer. Wanted to mention it in case anyone has Hyatt reservations booked during the promotion dates.
I recall someone mentioning a tool to keep all travel plans in one place. Would you mind sharing? I’m trying to keep track of bus schedules, train schedules, flights, reservations for museums etc and it’s getting overwhelming.

 

[hsmamato2]

I'm curious what card everyone uses for non bonus spend. In the past I've used my Double Cash card. I was thinking of switching to the CIU (I could also apply for the CFU for additional bonus categories while still having at least 1.5% on everything) and earning UR to transfer to a CSR. My wife and I went to London last year for an NFL game but only had 3 days to tour the city. We would like to take a longer trip within the next few years. For the next trip I would like to fly there in either business or first class and the ability to easily get Chase bonuses and then transferring to travel partners seems like the best way to accomplish what I'm looking for. Also it seems like in general UR points are worth more than Thank You points.

My life is simple compared to many here... I pretty much stick to UR ecosystem at this point, so either MSR,or whichever UR earning card gets me the most points in return (Flex at Drugstore/restaurants,Unlimited for other basic stuff)

 

[Crazed4DisneyinSC]

I recall someone mentioning a tool to keep all travel plans in one place. Would you mind sharing? I’m trying to keep track of bus schedules, train schedules, flights, reservations for museums etc and it’s getting overwhelming.

The app that was recommended to me by others here was TripIt. I've been using it for our Japan trip and I like it.