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

[HsimSleepy]

Anyone know how Chase code Universal park tickets? I’m assuming entertainment? Trying to decide if I should put it on my travel or cash back card.

 

[becauseimnew]

I booked a points + cash stay at a Hyatt, does anyone know if I would still get free globalist parking?
My reservation is for Saturday so I need to cancel and rebook today on all points today if I won’t get that benefit

 

[miztressuz]

Thought this DoC comment re: the $900 Chase bank bonus was worth sharing:

Wise Dom
#1536222

Tying up $15,000 for 1 quarter to earn $900 is a guaranteed 6% return (900/15000 = 0.06) in 1 quarter, an effective rate of return of 24% (0.06 * 4) annually. I’m not aware of anything else that comes anywhere close to beating a guaranteed effective 24% APR. The S&P 500 averages 12% nominal yearly returns over long periods of time – this offer is DOUBLING the return while taking the risk that you might lose some of your principal in a given 90 day stretch from “high” to “none”.
If you can’t afford to park $15,000 for a quarter, of course it makes sense to look for other deals with vastly lower rates of return, but more flexibility. But if you can afford to, there’s not really any better place to keep $15,000 for 90 days right now.
That’s not even mentioning that the way Chase have it set up, you have 30 days from when you open the account to deposit the $15,000, but the 90 day countdown for how long you have to keep the funds in the account also starts from when you open the account, NOT from when you deposit the funds. So really, you could wait until the last day of the first 30 days to deposit the $15,000, and only need to tie up the $15,000 for the remaining 60 days to earn the $900, which ups the effective APR to 36%.
So this was already an unbeatable deal (24% APR, FDIC-guaranteed) without gaming the system, but it becomes a truly legendary deal (36% APR, FDIC-guaranteed) once that’s factored in. This will be remembered for years as the insane, unheard of once-in-a-lifetime bank account bonus that easily made all of us nearly a grand at a guaranteed effective 36% APR for about 15 minutes of our time. We’ll all still be reminiscing about this deal the comments a decade from now as one of the top 10 all-time greatest opportunities that (most of) the DoC community has ever had the chance to take advantage of.

I'm just going to call out a piece of the DoC comment:

So really, you could wait until the last day of the first 30 days to deposit the $15,000, and only need to tie up the $15,000 for the remaining 60 days to earn the $900,

They are right, but don't really do that. Chase gives you a big buffer for a reason, not all large transfers (or even multiple transfers) go smoothly. There have been many DPs over the years of Chase fraud craziness gumming up the works and even when it was 20 days people were making it by the skin of their teeth.
https://www.doctorofcredit.com/psa-...e-bank-account-openings-avoid-account-lockup/

Most trouble is reported with pulls into the Chase account (a pull is where you initiate the transfer from the Chase account, pulling it out of the external account and into Chase.) It can happen on pushes too, but there's not as many reports on that happening. ( A push being initiated from the external bank and sending it into Chase.)

Not my intention to scare or worry anyone, just want you to be prepared. In my case, I know the bank I would be using takes about 5 days to fully transfer funds. Sometimes it's faster, but I don't count on that. (It's slow but 96% of the time they beat most APYs, so only long term savings live there.) So in my case I wouldn't wait past day 20 to transfer, and I'm more cautious than that so realistically it'd be day 15.

The most interest I could earn on that money in 30 days is about $40. So while $940 is better than $900, I think $900 is a lot better than $300 if I missed the savings bonus criteria.

And FWIW, Chase has run their bonuses this way for years, they just finally updated the terms to match the execution. They've been increasing the amount of leeway to deposit the funds since I started from 10 days to 20 and now 30. And they've paid out on the Tuesday following 90 days from account open ("coupon enrollment") regardless of the previous wording.

Just FYI.

 

[georgina]

Can you share what if any confirmation you got about the $900 offer being applied to your accounts? During the process of opening the accounts, I got a message that said something like "We opened your accounts but we are having trouble applying the offer. We will send you an email when we have applied the offer." So far the only email I've gotten says that the accounts are open, but no mention of the bonus.

I am pretty certain that I meet all of the criteria for the bonus (no Chase checking or savings accounts within the past several years). I plan on sending a secure message tomorrow but I'm curious if anyone has had this same thing happen.

He got an email today reminding him of what to do to get the $900 bonus, so it definitely tracked from the email he signed up through. Glad they gave him until 4/16 to get the direct deposit in there!

 

[evilipoo]

Thought this DoC comment re: the $900 Chase bank bonus was worth sharing:

Wise Dom
#1536222

Tying up $15,000 for 1 quarter to earn $900 is a guaranteed 6% return (900/15000 = 0.06) in 1 quarter, an effective rate of return of 24% (0.06 * 4) annually. I’m not aware of anything else that comes anywhere close to beating a guaranteed effective 24% APR. The S&P 500 averages 12% nominal yearly returns over long periods of time – this offer is DOUBLING the return while taking the risk that you might lose some of your principal in a given 90 day stretch from “high” to “none”.
If you can’t afford to park $15,000 for a quarter, of course it makes sense to look for other deals with vastly lower rates of return, but more flexibility. But if you can afford to, there’s not really any better place to keep $15,000 for 90 days right now.
That’s not even mentioning that the way Chase have it set up, you have 30 days from when you open the account to deposit the $15,000, but the 90 day countdown for how long you have to keep the funds in the account also starts from when you open the account, NOT from when you deposit the funds. So really, you could wait until the last day of the first 30 days to deposit the $15,000, and only need to tie up the $15,000 for the remaining 60 days to earn the $900, which ups the effective APR to 36%.
So this was already an unbeatable deal (24% APR, FDIC-guaranteed) without gaming the system, but it becomes a truly legendary deal (36% APR, FDIC-guaranteed) once that’s factored in. This will be remembered for years as the insane, unheard of once-in-a-lifetime bank account bonus that easily made all of us nearly a grand at a guaranteed effective 36% APR for about 15 minutes of our time. We’ll all still be reminiscing about this deal the comments a decade from now as one of the top 10 all-time greatest opportunities that (most of) the DoC community has ever had the chance to take advantage of.

I sure wish I could take advantage of this! Most of our banking is already with Chase.

 

[becauseimnew]

I booked a points + cash stay at a Hyatt, does anyone know if I would still get free globalist parking?
My reservation is for Saturday so I need to cancel and rebook today on all points today if I won’t get that benefit

I reached out to Hyatt concierge and to get free parking it must be all on points or FNC. She was able to switch my reservation to all points.

 

[reliev]

wanted to ask on here before I went on Reddit, I have 5 free have one on us drinks vouchers for delta. DM me if interested if I don't hear back by tomorrow ill post on Reddit strangers hate to see them go to waste. Update forgot to post the expiration 1/31/2023

 

[Judique]

Got an email saying I get a free Sirius XM trial - again. My car came with this and I've never signed up for it or paid anything. Or clicked on any of the offers. However, it's active in my car. I'll take free if I happen to think of it while traveling next week.

I'm usually in silent mode while driving, so chances are slim I'll actually think to use it.

 

[StephPlum]

Uggh. Spring break flights changed. Trying to put me on a 5am departure. With a 3 yo, I don’t think that will work. Who am I kidding, it doesn’t work for me either. Trying to find a suitable flight but might have to cut our trip short a day and fly back on Friday.

 

[palhockeymomof2]

Uggh. Spring break flights changed. Trying to put me on a 5am departure. With a 3 yo, I don’t think that will work. Who am I kidding, it doesn’t work for me either. Trying to find a suitable flight but might have to cut our trip short a day and fly back on Friday.

Ugh..is this a SW flight

 

[GZanta77]

Got an email saying I get a free Sirius XM trial - again. My car came with this and I've never signed up for it or paid anything. Or clicked on any of the offers. However, it's active in my car. I'll take free if I happen to think of it while traveling next week.

I'm usually in silent mode while driving, so chances are slim I'll actually think to use it.

We took one of these trials 6 years ago - they never turned it off at the end of the trial so we had free sirius right up until we traded the car at the end of last year.

TBH I normally stream radio/podcasts thru my phone whilst in the car so didn't use sirius much anyway, but it does come in useful when driving somewhere with poor cell coverage.

 

[HsimSleepy]

Ugh..is this a SW flight

Check out frontier or Avelo, they may have options.

 

[eticketplease]

Anyone know how Chase code Universal park tickets? I’m assuming entertainment? Trying to decide if I should put it on my travel or cash back card.

It coded as Travel for us but I went through my friend who is a travel agent.
It was a ticket only purchase though.

I had the same question for cap 1 so I could wipe it off the Venture but ended up using my CSR instead.

 

[StephPlum]

Ugh..is this a SW flight

Yes. Albuquerque to Columbus.

 

[palhockeymomof2]

Yes. Albuquerque to Columbus.

Thanks…Will have to keep an eye on our April 15th and 22nd flights

 

[Judique]

I also traded in my Disney Premier 50th Anniversary card for the new metal 100 years of wonder card. They sent me an email and said it will be here in a couple of weeks. Going to downgrade that card in June or July whenever it turns one. Another ice scraper I guess.

 

[CyndiLouWho]

Not many others on here with a Marcus online savings account, I think. I pulled a bunch of money out of it back in October to take advantage of the Ally 1% bonus, just moved some of that to Chase for their savings bonus. Today I got an offer from Marcus for $100 bonus if I move $10,000 into my Marcus account for 3 months. They had the same offer last year also.

My mom has one. I check a few times a year to see if rates are competitive. So far it hasn't been worth moving since she doesn't have a lot in it.

I sure wish I could take advantage of this! Most of our banking is already with Chase.

Yeah our primary checking is Chase and both of us on it.

 

[CyndiLouWho]

So frustrated with trying to book a hotel for a soccer tournament in June. It's not absolutely confirmed the team will play yet, they are still confirming enough players are interested. I like to book asap obviously before decent hotels are booked and rates go up, but looking thru Chase portal most of the Marriott properties are non-refundable . I tentatively booked through Marriott directly but it's 60k points for middle of nowhere Wisconsin (no offense) when Chase portal would be 35k UR but non refundable. And I don't have enough points for Marriott so it's a points advance res. Ugh.

 

[GoHorns94]

OK first time post in this area, total newbie so please be gentle .

I currently have three open credit cards, only one approved in the past 24 months. We took advantage of the Chase SW 100,000 points offer to earn a companion pass for the first time ever in mid 2022. Current cards:

04/17 - CHASE Sapphire Preferred
12/21 - CHASE Southwest Rapid Rewards
02/20 - CHASE Marriott Bonvoy Boundless Personal

1. We pay for everything allowed on our favorite card, the CSP.
2. We always, without exception, pay the full balance on our cards.
3. We fly out of DAL and DFW, and occasionally out of IAH.
4. We prefer SW and AA FF programs.
5. We prefer Bonvoy but are open to others.
6. Currently have around 100,000 SW RR points and 100,000 Chase Rewards points

Traveling is easily our biggest interest! We have been using points and sign up bonuses to help with hotel stays during our huge road trips across the USA. We set a goal to visit all 50 states with our two kids (DD15 and DS12) before our daughter graduates from HS in 2025. This coming July we will achieve that goal 2 years early when we fly to Maui and Oahu (and using our SW CP to save $$). Yours truly is turning 50 during this trip so it truly will be the big Hawaii 5-0. I even added a couple of DLand days to the trip on our way back to Texas - I may have issues at this point.

So, with all of the above information, my first question is what suggestions/advice or recommended credit cards do you have for me now that our focus will shift much more to international travel. Europe will be our likely first choice (Ireland, London, Paris, Italy, etc.). I want to hop the pond for this trip either summer 2024 or definitely by graduation summer 2025. It would be our four pack going (myself, wife, daughter and son).

Also is there a solid all around card that has a 1:1 transfer to AA like our beloved CSP card does for SW and United?

I really want to learn more ways to use card offers and strategy to maximum benefit. Wife and I started applying individually for some credit card offers 3-4 years ago (declining spouse card option) - is this considered a good practice?

Hopefully this all makes sense - any guidance, critiques and/or help is greatly appreciated. Glad I found this forum - I have a lot to learn for sure!

 

[GZanta77]

OK first time post in this area, total newbie so please be gentle .

I currently have three open credit cards, only one approved in the past 24 months. We took advantage of the Chase SW 100,000 points offer to earn a companion pass for the first time ever in mid 2022. Current cards:

04/17 - CHASE Sapphire Preferred
12/21 - CHASE Southwest Rapid Rewards
02/20 - CHASE Marriott Bonvoy Boundless Personal

1. We pay for everything allowed on our favorite card, the CSP.
2. We always, without exception, pay the full balance on our cards.
3. We fly out of DAL and DFW, and occasionally out of IAH.
4. We prefer SW and AA FF programs.
5. We prefer Bonvoy but are open to others.
6. Currently have around 100,000 SW RR points and 100,000 Chase Rewards points

Traveling is easily our biggest interest! We have been using points and sign up bonuses to help with hotel stays during our huge road trips across the USA. We set a goal to visit all 50 states with our two kids (DD15 and DS12) before our daughter graduates from HS in 2025. This coming July we will achieve that goal 2 years early when we fly to Maui and Oahu (and using our SW CP to save $$). Yours truly is turning 50 during this trip so it truly will be the big Hawaii 5-0. I even added a couple of DLand days to the trip on our way back to Texas - I may have issues at this point.

So, with all of the above information, my first question is what suggestions/advice or recommended credit cards do you have for me now that our focus will shift much more to international travel. Europe will be our likely first choice (Ireland, London, Paris, Italy, etc.). I want to hop the pond for this trip either summer 2024 or definitely by graduation summer 2025. It would be our four pack going (myself, wife, daughter and son).

Also is there a solid all around card that has a 1:1 transfer to AA like our beloved CSP card does for SW and United?

I really want to learn more ways to use card offers and strategy to maximum benefit. Wife and I started applying individually for some credit card offers 3-4 years ago (declining spouse card option) - is this considered a good practice?

Hopefully this all makes sense - any guidance, critiques and/or help is greatly appreciated. Glad I found this forum - I have a lot to learn for sure!

Welcome and congratulations on your soon to be completed 50 state haul. Pretty impressive.

So there is no all round card that transfers 1:1 to AA - you would have to look at the specific AA cards issued by Citi or Barclays. The earning rate isn't great on those cards but they can be worthwhile just for the sign up bonuses - hold them for a year and then get rid if they don't fit your needs.

As you already have a good stash of Chase Ultimate rewards it would seem a good place to focus as it is such a flexible currency. As it has been more than 4 years since you obtained the CSP, I would downgrade that card to a Chase Freedom Flex so you can benefit from the quarterly 5X categories, and then apply for a new CSP which will earn you a new sign up bonus.

If you have a business (or part-time gig/hobby income/ebay selling that you can class as a business) then Chase Ink business cards offer a fantastic opportunity to really boost your Chase UR earnings. For example, Chase Ink Cash and Unlimited cards currently offer a 90,000 URs sign up bonus which is amazing for a free card.

Beyond that, you could look at Amex cards - earning membership reward points that are transferrable to hotel/airline programs - or there are also Amex Bonvoy cards. As far as airline cards, I have had good success recently with United for business class awards across the pond - however, this may be more difficult for a family of four. You could also look at an Avios earning card which will get you access to BA, Aer Lingus, Iberia and more. You can also use Avios to book AA flights through the BA website, though award availability has become a lot more limited since the move to dynamic pricing.

Anyway, there are tons of options open to you. I would start by really trying to narrow down where in Europe you are most likely to want to travel and then look for the airlines/hotels programs that are going to be the best fit. And finally, yes, it is still good practice not to be an additional user on your spouses card - this is to avoid these cards appearing on credit reports of the spouse and therefore impacting their 5/24 count with chase.