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

[wanderlust7]

Question about estimated Fed Inc tax payments. When should I be able to see the payments I've made in my account on the IRS site? I don't see anything for 2024.

If you used one of the cc processors, around a week I think. But it only shows up on the primary filers account until after you've filed (if filing jointly).

 

[*WDW*Groupie*]

I think this has been asked recently, but my brain is having trouble processing the dates so I need some help . I applied for and was approved for the CSR on December 28, 2020. First statement was January 11, 2021 (AF of $550 charged); travel credit of $300 was processed on January 9th. Points were awarded on the February 11 statement.

Based on this info would my travel credit reset on the January 11th or the February 11th statement? I plan on downgrading so that I can re-apply in mid-February and need to use the travel credit before doing so!

 

[SleepyatDVC]

BF doesn't need to be consulted, but I don't think it would have been out of the ordinary for your daughter to drop that you were coming up to see her for her birthday before flying out of MCO. The entire time I was dating my wife, I knew in advance when her parents were coming to town, so that I knew not to schedule anything for those times that didn't include them. They lived about the same distance from us as Miami is from Orlando. I don't think there is any blame to be had, just a miscommunication, and different personalities.

Very true! It is all about miscommunication and probably all unavoidable after much thought.

Even if she let him know we were coming up again for her birthday, it may have been too late by then!

It was always a possibility that we would visit but there were never any firm plans. I asked her multiple times (over the course of MONTHS) if she had birthday plans with her BF or her friends and she always said nothing special. They live in different cities and see each other only on weekends. Her birthday is in the middle of the week. He probably wanted to "psych" her out that he was working that entire week.

In fact, the ONLY reason we decided to drive up to see her on her birthday and fly out of MCO, was BECAUSE she said she had no other plans!! We would have already saw her over Christmas. so we are usually both okay with celebrating early. I waited until the "last minute" to book the tickets. If she was busy with the BF, we would have made plans to have one of the days during Christmas week be her early "birthday." She just sounded so happy we were considering coming up a second time, so we pulled the trigger.

I called her on a Wednesday night, right before I purchased the tickets. I went ahead when she told me to yes, please come up to see her. We drove up to Orlando on Friday. The BF arrived on Saturday. I think she probably mentioned to him that we would definitely be coming up again in January once I finalized my plans. If we weren't flying out, it truly wouldn't have been a big deal at all. How could he know that we would be booking airfare back to NY when we are normally in Miami all winter?!! He probably didn't know that if he called me right away without DD knowing, that the tickets by law are fully refundable within 24 hours of purchase...

By the weekend when we were all together and the topic came up again, the airfare and the cruise were already paid for. The poor boy probably had a sick pit in his stomach. Does he bring it up immediately to us in person and ruin his surprise? Or does he keep his surprise and wait until Christmas on Wednesday to let everyone know at that time? He was in a no win situation. He obviously chose option #2 and it was a surprise for sure! Lol.

He wanted DD to think that he had nothing planned on the day of her birthday at all, so that the surprise would be bigger. So, he unintentionally set up the scenario of us going out of our way to see her on our way out of town so that she wouldn't be alone on the day.

I am no longer mad or upset at all. It was the initial surprise and upset of what I thought were meticulously planned itineraries gone awry. I bet he feels 1000 times worse.

Can't think of what I could have done any differently. He gave DD the impression he wouldn't be visiting her during the weekday as per usual. Can't think of what he could have done differently if his ultimate goal was to keep the cruise a complete surprise.

I'm still not a fan of surprises in general. I doubt this changes my mind. Lol.

Sorry for the OT hijack!! I had to get it all out of my system and you all helped so, so much! Thank you!!!

 

[StephPlum]

If you used one of the cc processors, around a week I think. But it only shows up on the primary filers account until after you've filed (if filing jointly).

I was afraid of this. Regretting the decision 37 years ago to list DH’s name first. I’ll have to get him to sign up for an IRS account.

 

[wanderlust7]

I was afraid of this. Regretting the decision 37 years ago to list DH’s name first. I’ll have to get him to sign up for an IRS account.

Same here. DH had an account, but had to get him to do the ID.me account. It was fairly painless though.

 

[eticketplease]

I think this has been asked recently, but my brain is having trouble processing the dates so I need some help . I applied for and was approved for the CSR on December 28, 2020. First statement was January 11, 2021 (AF of $550 charged); travel credit of $300 was processed on January 9th. Points were awarded on the February 11 statement.

Based on this info would my travel credit reset on the January 11th or the February 11th statement? I plan on downgrading so that I can re-apply in mid-February and need to use the travel credit before doing so!

In the app, I can see it. I go to Benefits and rewards, scroll down and see Check out your benefits activity and tap on Used.

View attachment 915851
Then mid page I can see this
View attachment 915852

@CyndiLouWho showed us how to it in the app. Website doesn’t seem to work.
The app for me just shows redeemed though.

 

[georgina]

I was afraid of this. Regretting the decision 37 years ago to list DH’s name first. I’ll have to get him to sign up for an IRS account.

Same. I just rely on my records for what payments I have made. (37 years for us too)

 

[LilSweetPeaPhoto]

I got my Cap 1 Venture X card today. Now to figure out that whole eco system. I put my BF as an AU so he can have a priority pass now. He does a lot of flights to MSP and they have a grab/go he can use it at. I told him Merry Christmas, LOL. I'll add my daughter at some point as well. She's not traveling alone much where she'd need her own lounge access, but might as well stack up the access for if we have a group with us at some point.

You can book something for 2025 but they will clawback if it gets cancelled. Also need to make sure it's a prepaid rate. I have mine booked for May next year.

I'll probably leave the plat hotel credit on the table again. I always find it hard to use.

I prepaid (refundable) our hotel in Galway. The rate on the Delta website was cheaper than direct. So I'll call it a win, LOL.

Good luck with using the CSR $300 credit.

We have never actually had to purposely use it. It seems to always get organically used up for parking, tolls, etc. But I guess if it needs to be used within a shorter period of a couple of weeks, that would be much different.

Yeah, I never struggle either. But I only have until 12/31 to try and use this. AHHH! I just put in my Dashmart orders too, LOL. I'll probably try to squeeze out one more DashMart order on 1/1 to get $20 more before I cancel. I booked a refundable Delta flight for May w/ the $300 CSR credit. Gave myself enough time to cancel it later or if the credit doesn't post, LOL.

 

[eticketplease]

I got my Cap 1 Venture X card today. Now to figure out that whole eco system. I put my BF as an AU so he can have a priority pass now. He does a lot of flights to MSP and they have a grab/go he can use it at.

The grab and go is not included with your entitlements on both my VenureX and CSR priority pass.

They both have PGA lounge and Escape lounge. The CSR one also includes XpresSpa

 

[Judique]

Back to Mystic Dunes, wondering if there is any possibility of using the Hilton gift cards there? @PrincessGidget @Crazed4DisneyinSC @eticketplease

I haven't even checked to see if they have any food options at the resort.

Edit: they have a full service restaurant, room service and a tiki bar/grill.

 

[Psychodisney]

Question about estimated Fed Inc tax payments. When should I be able to see the payments I've made in my account on the IRS site? I don't see anything for 2024.

Are you married? Ours show up under my DH's ss number as he is listed as the primary ss.

 

[LilSweetPeaPhoto]

My $300 credit posted for my Delta flight. YAY! Now I've read for some people the travel credit was also resetting on 1/1. Is that true for all CSR? I know some CSR people are 1/1. Some are anny date. But I thought I read chase was moving everyone to 1/1. So do I get another $300 tomorrow? Is there a way to figure that out? My plan is to use my DashMart tomorrow and then cancel the card otherwise.

I'm keeping my CSP. Is there any "tricks" or advice when it comes to timing the upgrade for that? Since I'll have the PP lounges w/ the Venture X, I'm not worried about lounge access right now. But I might upgrade before our trip to Ireland since we'll have a BOS layover. We'll see. And the upgrade doesn't reset the 48 months right?

The grab and go is not included with your entitlements on both my VenureX and CSR priority pass.

They both have PGA lounge and Escape lounge. The CSR one also includes XpresSpa

He's had other pilot's he's flown with be able to use it at the PGA lounge w/ the grab and go items. I guess he can give it a try, LOL. Maybe they are nicer to them and allow it since they are in uniform and often short on time. Who knows. Doe the VentureX include minute suites or no? Not that we use them often, but it's just good to know. I'm sure in the end I'll upgrade my CSP at some point.

 

[eticketplease]

He's had other pilot's he's flown with be able to use it at the PGA lounge w/ the grab and go items. I guess he can give it a try, LOL. Maybe they are nicer to them and allow it since they are in uniform and often short on time. Who knows. Doe the VentureX include minute suites or no? Not that we use them often, but it's just good to know. I'm sure in the end I'll upgrade my CSP at some point.

Yes the PGA may work it is just not the other places.

I have only seen Minute Suites on my CSR PP

 

[disneylover81]

I am about to apply for the SWA Biz for DH. We had a $14k charge on our CSP last month, which I have already paid, and the new statement came out on 12/28, but it still shows the $14k balance in the Chase credit report summary on their website. This makes him look like he's got 23% of his credit limits used, but I know it says to stay under 30%, so maybe not a big deal. He has the "already approved" green star offers for both Inks showing in his account. Will he be automatically approved for the SWA also, or should I wait until that credit summary doesn't show the big balance on the CSP? I don't want him to be denied because he would never call Chase for recon, but I also have another big charge coming up very soon up that will wipe out the spend requirement all at once. We currently have no biz cards at all. We don't have an EIN number; he just has a very small side business that doesn't bring in much yearly income, maybe $5k a year. Should I put that as the income or would that be too low for approval? I have a side business too, that also brings in about the same as him so I could combine if needed.

 

[FreeDiningFanatic]

I am about to apply for the SWA Biz for DH. We had a $14k charge on our CSP last month, which I have already paid, and the new statement came out on 12/28, but it still shows the $14k balance in the Chase credit report summary on their website. This makes him look like he's got 23% of his credit limits used, but I know it says to stay under 30%, so maybe not a big deal. He has the "already approved" green star offers for both Inks showing in his account. Will he be automatically approved for the SWA also, or should I wait until that credit summary doesn't show the big balance on the CSP? I don't want him to be denied because he would never call Chase for recon, but I also have another big charge coming up very soon up that will wipe out the spend requirement all at once. We currently have no biz cards at all. We don't have an EIN number; he just has a very small side business that doesn't bring in much yearly income, maybe $5k a year. Should I put that as the income or would that be too low for approval? I have a side business too, that also brings in about the same as him so I could combine if needed.

If you've paid the 14k and it's been more than a few days, I think you are good to apply for the SW biz card. Apply as sole proprietor, use his SSN, don't make up a business name, use the $5k income, that's typically fine for approval.

Of course, you don't say anything about your recent applications, so assuming your velocity with chase applications is good.

 

[disneylover81]

If you've paid the 14k and it's been more than a few days, I think you are good to apply for the SW biz card. Apply as sole proprietor, use his SSN, don't make up a business name, use the $5k income, that's typically fine for approval.

Of course, you don't say anything about your recent applications, so assuming your velocity with chase applications is good.

Perfect! The most recent card was the SWA personal in Nov. 2024. The last one before that was the CSP around May 2022 so he should be 1/24.

 

[calypso726]

While checking what credits I had expiring and whatnot before end of year, I realized I had completely neglected to use my Aspire Resort credits the second half of this year. I was not about to let $800 in resort credits go to waste. We already had a weekend booked with DVC points at SSR for this past weekend and I didn't want my points to go into holding by canceling on such short notice. So, I was able to rent out the reservation via David's and then use 2 FN certs for a stay at the Waldorf Astoria Orlando. Concierge services got us a reservation for dinner at Bull & Bear, the on site restaurant. We have not dined there before and I had heard very positive reviews from people I know who have. I am a fan now too! The service and meals were excellent. This will definitely be on the go to list for burning resort credits. Thought I'd share the feedback for any other Aspire card holders.

 

[CaliforniaGirl09]

@wdw_group

I was recently in London with my ds for an Arsenal match (tied 0-0). I flew on AA on a daytime flight out of JFK; it left and arrived on time. The flight was uneventful -- can't remember what I ate, but it must have been okay. Upon landing I went to the M&S food hall and bought a small carton of milk to eat with the PB&J and granola sandwich that I bought at JFK for my dinner. The sandwich was surprisingly good -- who knew that a bit of granola in with PB was so yummy!

I stayed at the HGI at T2 at Heathrow for the night since the flight landed around 10pm. Interesting location -- you have to walk across a parking garage to gain access (I had seen pics on FT so it wasn't an issue). I did mobile check-in alas my key didn't work in the elevator so I couldn't even try it on the room (couldn't get to my floor). Went to reception where they told me that the control tower tends to deactivate mobile keys (??). Got to my room and settled down to watch The Bear when the power went out and stayed out for 5 mins. I suppose these things happen, but there is no emergency lighting in the room so the room was pitch black except for the light on my screen. Had power for maybe 15 mins before it happened again, again, again, again and again. I had to call the front desk from my cell phone and they blamed it on Heathrow, saying that the airport was cutting power and they had no control over it. I found this incredibly annoying and dangerous since I was in the bathroom once when it went out and nearly tripped over my carry-on. Room was fine, mattress was super soft, like so soft that if I was too close to the edge I would've fallen out. Breakfast was okay -- not winning any awards, but cereal, yogurt and a fresh orange were enough for me. I stopped by the front desk on my way out and expressed my (extreme) displeasure with the power interruptions -- nothing was done / offered. They blamed it once again on the airport -- be that as it may, the hotel could still have emergency lighting in the rooms, a flashlight for guests or a generator. I probably wouldn't stay here again -- I'd take the tube to T5 and stay at the lovely Sofitel.

In London ds and I stayed at the BoTree (2 rooms), which is a new boutique hotel with 137 rooms that opened within the last year. The location was clutch -- 30 second walk from the Bond St station (Lizzy, Central and Victoria lines). Tube to and from the airport is around 40 mins and cost 13.30 quid each way. Rooms were spotless and very modern -- so modern that I never quite figured out the lights / curtains after 6 nights. Sometimes I wanted to open the curtains and the lights would all come on. Windows were triple-glazed so the room was very quiet (yay!). The hotel put ds and I on the same floor, which I really appreciated. The restaurant was......interesting. We had breakfast there most mornings and the service and food were inconsistent -- not a dealbreaker though. Marlyborne Village was a 3 min walk from the hotel and it was really nice -- much, much quieter than Bond & Oxford Streets, yet it had many of the same stores. I'd definitely stay here again if the price was right, but for our trip next year I'm going to book the HR Churchill since it's only an 8 min walk from the Bond St station.

Ds and I took the tube everywhere and I that's probably where I caught a terrible cold. I'm just starting to feel somewhat normal now.

Taken from the Bond St tube station


t

We probably crossed paths, LOL--we were in London for Christmas from 12/19 to 12/29 and have a place near Bond Street station. We were also at Fortnum a few times

I didn't see it reported here, but BA announced a huge devaluation of its executive club. I've been Gold for the past two year (and will have one more year), but they've switched from distance tier points to $$ spent and have jacked up the amounts required to ridiculous levels. I've loved being gold, but it's gone from 1500 tier points to 20,000 "worth" of flights (and that doesn't include taxes). I follow the BA threads over at FlyerTalk and the thread there has exploded--I think almost 120 pages in 2 days. People are stunned. I did a number of tier point runs to qualify and those are now a thing of the past. One of the great things about BA gold was having access to American and Alaska lounges even on an economy ticket (something AA and AS elites don't get), the first wing at Heathrow, and the first lounges. We fly to LHR about 3-5 times a year so this will be a bummer after April 2026. Oh well, it was awesome while it lasted, but might be flying VS a little more in the future.

 

[Spivey378]

I love credit cards so much I’m posting in a 2023 thread in 2025!

 

[reliev]

I've always bought gc at the grocery store, including visa/mc, when working on amex spend.

If it's a small part of the spend and somewhere they don't see level 3 data I don't see an issue with it.

There was a flyer talk post on this there is a certain % that triggers it, it's one thing IMO if you bought 50$ with 200$ in groceries its another thing if it's 250$ in gift cards.

he crowds in London, especially on the weekends, were insane. A 15 min walk would take more than 20 because it was so hard to navigate through all the people on the sidewalks.

this looks nuts, we have a trip coming up for this can't wait even with the crowds.

Warning - I just need to vent.

I'm glad dd is still too young to think about this for now.

Question about estimated Fed Inc tax payments. When should I be able to see the payments I've made in my account on the IRS site? I don't see anything for 2024.

It is usually listed in the primary for the ss payer 5 business days after the cc payment. I also keep records for the last ~ few years we have been able to do cc payments.

Aspire Resort credits the second half of this year. I was not about to let $800 in resort credits go to waste.

I've been thinking about getting this card for a while I love Hyatt but I love me a deal also waiting for a good sub, I use Google task to remind me of subscriptions and credits that may go unused.


Speaking of unused to my friend who told me to promise him to save my last GOH booked an ineligible way so I have one GOH left just DM me your name and Hyatt number the booking has to be made all with points or all with cash and has to be completed by 2/28 of this year Happy new year everyone.