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

[elgerber]

Chase is quick today. SM to close one of P2 inks. Got the call within an hour, and the card was closed about an hour later.
Deciding if I should app for them, we have two large spends coming very very soon. $5k and $11k.
Have to do the CIP with support in the next couple of days yes? Makes me nervous with him and Chase since they have two cards of his, in a separate login because they say the SS doesn't match his other cards (which isn't true). That account has a CIP and CIU, his main account has 2 CIU.

 

[pzw90]

Any reason to keep the CSR anymore? I've had it since it first came out, 2016 I think. And I feel so many other cards have stepped in to provide better options and Chase has only nerfed the CSR.

• 3 pts Dining and Travel - Currently book Flights on AMEX Plat (5x), and other travel on USBAR (3% on travel or Apple Pay), Dinning on USBAR if Apple Pay is available or on CITI Strata Premier for 3% on dining in no Apple Pay available
• $300 travel credit - brings it down to $250, but what am I paying $250 for
• Priority Pass - no longer usable at restaurants. AMEX Plat provides the same pass (and centurion lounge) and USBAR gives me 8 restaurant visits
• Transfer Partners - only transfer to Hyatt and United (yes I know its not the best redemption to United but its worth it to us to book on United points as the cancellation policy is much more flexible)
• 1.5x on Chase portal - used it once, prefer the flexibility of booking with points when we can
• Global Entry/Precheck - get it on three other cards
• DoorDash - Don't use it, prices and fees are too high
• Lyft Pink - significantly less use out of it recently, isn't it ending soon?

I just don't see the value for me anymore. My plan is to either transfer the remaining UR points i have to my wife who has a CSP, or to one of the partners we plan on using soon (Hyatt/United) and downgrading to a Freedom Flex. Then in a few months have my wife refer me for the CSP if any good SUBS and have her close her CSP. Am I missing anything?

 

[IFlossU]

I decided I wanted to upgrade our room at Los Altos in Costa Rica from a garden view to a treetop suite (for an April 2025 trip). I booked through the Chase portal and it says you have to cancel and rebook if you want to modify. I don't know if anyone remembers but I had trouble originally booking since it showed as Sold Out in the portal under my CSR (it's part of The Edit program), but I could book it in the portal using my CIP. At 1.25 as opposed to 1.5 it cost me more points, but I still did it. So today I cancelled the room under my CIP and happened to check using my CSR and lo and behold it looked bookable. I put in 5 guests (me, DH and three teens) and it showed the available rooms. One of which was Treetop suite, BUT it says 1 king bed, as though that's the only bed. It didn't list all the beds like it did when I booked with the CIP. I booked it anyway (it's refundable). But what does everyone think about this? Especially those who have been before? The reservation clearly says 5 guests. Will they open the other bedrooms for us? Will there be an additional cash charge? I was so excited to book a better room and use less points, but not if 5 of us are sharing one king bed! Thanks so much for any insights! I'm assuming it has something to do with the fact it's part of the Edit thing that gives free breakfast for 2 and $100 hotel credit per day. I'm thinking I'll call the hotel to confirm we'll have access to the other rooms, but wanted to see what people here thought.

I would just give them a call. Honestly when we were there last year they were so helpful, and actually suggested in the future I call ahead to let them know who would be staying in the room. They provide complementary drinks and snacks for each person upon arrival. Anyway, just call and ask about any additional charges for the bedrooms. They very graciously gave us a 3rd bedroom for no additional charge. Would have been another $150/night. I would not hesitate to call with any questions.

 

[Sheree]

trying to use my DD credit for pick up. tried aldi, 7-11 and don't see where I do a pick up option, seems to only be delivery.

I know for instacart I do aldi pick up.

any thoughts?

thanks

 

[djmeredith]

I've seen successful DPs, but maybe it's hit or miss.

@smallsy On second thought, maybe it's safest to wait until the support goes pending and then PC to get a prorated refund.

That is what I was thinking as I wrote about my experience. I communicated via Secure Message, maybe if I had called I would have had better luck.

 

[wanderlust7]

Chase is quick today. SM to close one of P2 inks. Got the call within an hour, and the card was closed about an hour later.
Deciding if I should app for them, we have two large spends coming very very soon. $5k and $11k.
Have to do the CIP with support in the next couple of days yes? Makes me nervous with him and Chase since they have two cards of his, in a separate login because they say the SS doesn't match his other cards (which isn't true). That account has a CIP and CIU, his main account has 2 CIU.

So he has 4 biz open still? That would make me nervous too. Is it not possible to cancel one?

 

[wanderlust7]

That is what I was thinking as I wrote about my experience. I communicated via Secure Message, maybe if I had called I would have had better luck.

The DPs I saw, they actually just posted automatically.

 

[KPK02090]

Those are luxury condos. At least 3 bedrooms. The master is a king with en suite. Look here https://www.realtor.com/internation...io-manuel-antonio-puntarenas-120069177778////

ETA When we stayed they opened all 3 bedrooms even though we had only 3 people . They said it was because we booked through Hyatt so YMMV. Maybe if you book through Chase/The Edit instead of direct or local, they give perks. But you can call or email them. Info@losaltoresort.com

I would just give them a call. Honestly when we were there last year they were so helpful, and actually suggested in the future I call ahead to let them know who would be staying in the room. They provide complementary drinks and snacks for each person upon arrival. Anyway, just call and ask about any additional charges for the bedrooms. They very graciously gave us a 3rd bedroom for no additional charge. Would have been another $150/night. I would not hesitate to call with any questions.

Thank you both. I will call or email tomorrow. I had to call Chase to book it (because my points weren’t showing correctly, but that’s another story). And the guy was like - so it’s a room with 1 king bed, do you want to book more rooms? And I said no, it should have 3 bedrooms in the suite, so if it’s allowing a booking with 5 guests listed go ahead and book. He did and it definitely says 5 guests. Hopefully I’ll get confirmation tomorrow from the hotel. I feel like this shouldn’t be so difficult.

 

[elgerber]

So he has 4 biz open still? That would make me nervous too. Is it not possible to cancel one?

The part that makes me nervous is Chase sees him as two people. I posted the details about a year ago, but for some reason he has two cards that that they say are a different social than his original Chase accounts, so I never know which of his online accounts they will assign it to. We have sent in SS verifications and they still say the accounts in the one login, don't match the ss in the other. Each of those logins only has 2 open Biz accounts.

 

[FreeDiningFanatic]

The part that makes me nervous is Chase sees him as two people. I posted the details about a year ago, but for some reason he has two cards that that they say are a different social than his original Chase accounts, so I never know which of his online accounts they will assign it to. We have sent in SS verifications and they still say the accounts in the one login, don't match the ss in the other. Each of those logins only has 2 open Biz accounts.

DH also has two accounts that don't seem to merge in the backend like the other accounts. He can't transfer points between the two accounts, and like you say, it's like they don't see them as the same person, but it's the same SSN. I still look at his accounts holistically and I would try to cancel 1-2 of those open biz accts if they've been open for more than a year.

 

[eticketplease]

trying to use my DD credit for pick up. tried aldi, 7-11 and don't see where I do a pick up option, seems to only be delivery.

I know for instacart I do aldi pick up.

any thoughts?

thanks

I found it helpful to use a real computer and then you can see the map better. Most of pickups are for restaurants which of course won’t count for the $10. I was able to find some gas stations that it worked for. Not ideal but I was able to get some sodas for free as it took the $10 and used some of the door dash credit I had earned from restaurant pickups.

 

[eticketplease]

Any reason to keep the CSR anymore? I've had it since it first came out, 2016 I think. And I feel so many other cards have stepped in to provide better options and Chase has only nerfed the CSR.

• 3 pts Dining and Travel - Currently book Flights on AMEX Plat (5x), and other travel on USBAR (3% on travel or Apple Pay), Dinning on USBAR if Apple Pay is available or on CITI Strata Premier for 3% on dining in no Apple Pay available
• $300 travel credit - brings it down to $250, but what am I paying $250 for
• Priority Pass - no longer usable at restaurants. AMEX Plat provides the same pass (and centurion lounge) and USBAR gives me 8 restaurant visits
• Transfer Partners - only transfer to Hyatt and United (yes I know its not the best redemption to United but its worth it to us to book on United points as the cancellation policy is much more flexible)
• 1.5x on Chase portal - used it once, prefer the flexibility of booking with points when we can
• Global Entry/Precheck - get it on three other cards
• DoorDash - Don't use it, prices and fees are too high
• Lyft Pink - significantly less use out of it recently, isn't it ending soon?

I just don't see the value for me anymore. My plan is to either transfer the remaining UR points i have to my wife who has a CSP, or to one of the partners we plan on using soon (Hyatt/United) and downgrading to a Freedom Flex. Then in a few months have my wife refer me for the CSP if any good SUBS and have her close her CSP. Am I missing anything?

I’m in the same boat but with slightly different cards. Like you got the card in 16 when it made its debut. The reason I kept it was the primary rental insurance but now both players have the Venture X which has very close to the same coverage.

It is tough when you just aren’t getting the value like you used to. It has sort of become Amex like with the small credits from door dash as opposed to the lump sum $60. Also InstaCart allowed Costco and I could earn Delta Skymilies.

The $10 in savings for groceries on DD is a joke as the tip and fees eat all of the savings as there is no grocery pickup in my area. InstaCart had pickups and also you could delay delivery and they would give a credit which would cover some of the tip.

Unfortunately I think I will have to hold it for a next year as I booked Delta on the portal as I couldn’t find any transfer partners to HI and not enough AMEX points so I need the insurance.

Let us know if you get a retention offer if you go to close it.

 

[FreeDiningFanatic]

I found it helpful to use a real computer and then you can see the map better. Most of pickups are for restaurants which of course won’t count for the $10. I was able to find some gas stations that it worked for. Not ideal but I was able to get some sodas for free as it took the $10 and used some of the door dash credit I had earned from restaurant pickups.

@Sheree I use the app but then hit the Pickup filter, then map mode and look for the grocery cart, not the restaurant option. Not many options near us, but a couple gas stations, and I've also picked up soda.

 

[eticketplease]

@Sheree I use the app but then hit the Pickup filter, then map mode and look for the grocery cart, not the restaurant option. Not many options near us, but a couple gas stations, and I've also picked up soda.

My eyes are too bad I need that big screen!!

 

[palhockeymomof2]

Any reason to keep the CSR anymore? I've had it since it first came out, 2016 I think. And I feel so many other cards have stepped in to provide better options and Chase has only nerfed the CSR.

• 3 pts Dining and Travel - Currently book Flights on AMEX Plat (5x), and other travel on USBAR (3% on travel or Apple Pay), Dinning on USBAR if Apple Pay is available or on CITI Strata Premier for 3% on dining in no Apple Pay available
• $300 travel credit - brings it down to $250, but what am I paying $250 for
• Priority Pass - no longer usable at restaurants. AMEX Plat provides the same pass (and centurion lounge) and USBAR gives me 8 restaurant visits
• Transfer Partners - only transfer to Hyatt and United (yes I know its not the best redemption to United but its worth it to us to book on United points as the cancellation policy is much more flexible)
• 1.5x on Chase portal - used it once, prefer the flexibility of booking with points when we can
• Global Entry/Precheck - get it on three other cards
• DoorDash - Don't use it, prices and fees are too high
• Lyft Pink - significantly less use out of it recently, isn't it ending soon?

I just don't see the value for me anymore. My plan is to either transfer the remaining UR points i have to my wife who has a CSP, or to one of the partners we plan on using soon (Hyatt/United) and downgrading to a Freedom Flex. Then in a few months have my wife refer me for the CSP if any good SUBS and have her close her CSP. Am I missing anything?

For us it’s worth it since I do use PYB on the categories available each quarter, also book hotels through the portal and a rental car.
We fly SW and soon Jet Blue so can transfer URs if needed to book flights.
But if it doesn’t work for you anymore maybe wait until the $300 travel credit resets, use it, then close or PC it to a freedom

 

[palhockeymomof2]

The part that makes me nervous is Chase sees him as two people. I posted the details about a year ago, but for some reason he has two cards that that they say are a different social than his original Chase accounts, so I never know which of his online accounts they will assign it to. We have sent in SS verifications and they still say the accounts in the one login, don't match the ss in the other. Each of those logins only has 2 open Biz accounts.

If any of them are over a year old I would cancel if your not maxing out the CICs 5x categories

 

[trenty]

I have been playing this CC game since 2016ish. I have never really been a churner - just earning and burning at a pretty slow rate. But we have been traveling more lately and I am burning more than I am earning (CC points, not cash; we can afford all the travel even without the points). I am 0/24 (maybe 1/24??); P2 is 1/24.

My Cards:
Amex Everyday - my oldest card - since 1989
CSP - will downgrade at AF time - March 2025, I think; and then get again when there is an elevated SUB
CFF
Discover IT
Disney Visa - rarely used but keeping

P2:
CSP - just got it a few months ago
CFU - his most used card
United Gateway - rarely used but keeping

I am thinking of getting another card. I would like to stay within the UR and MR currencies and not have an AF. I am not loyal to any hotel brand or airline. I would also consider another cash back card, if the SUB was decent. I am a legit sole prop so I can do business cards, but it still makes me nervous. I am not sure I want another card, but what card would you get next in this scenario?

 

[ten6mom]

Considering getting travel insurance through allianz for the first time... if the cruise begins in the US and visits Cozumel and "Progreso, Yucatan", do I just need to use "Mexico" for the "destination"?

I am looking at their "one trip prime". We are thinking of booking one right at the end of the Scooter Cannonball next summer, so I wanted insurance in case something happens that we won't be able to complete the Cannonball and don't end up in Texas for some reason.

 

[eticketplease]

I have been playing this CC game since 2016ish. I have never really been a churner - just earning and burning at a pretty slow rate. But we have been traveling more lately and I am burning more than I am earning (CC points, not cash; we can afford all the travel even without the points). I am 0/24 (maybe 1/24??); P2 is 1/24.

My Cards:
Amex Everyday - my oldest card - since 1989
CSP - will downgrade at AF time - March 2025, I think; and then get again when there is an elevated SUB
CFF
Discover IT
Disney Visa - rarely used but keeping

P2:
CSP - just got it a few months ago
CFU - his most used card
United Gateway - rarely used but keeping

I am thinking of getting another card. I would like to stay within the UR and MR currencies and not have an AF. I am not loyal to any hotel brand or airline. I would also consider another cash back card, if the SUB was decent. I am a legit sole prop so I can do business cards, but it still makes me nervous. I am not sure I want another card, but what card would you get next in this scenario?

I would go with an Ink since you can do business cards. They have a 90K offer with a relatively low spend but the ink preferred has 120k that is ending on 9/5 with a higher spend.

Just remember you or your P2 need to keep a CSP, CSR or Ink Preferred in order to get 1.25-1.5% when booking through the portal or to be able to transfer to partners.

Do you shop at Costco? If so when you downgrade your CSP ask to downgrade to the original Freedom as that is a Visa that can be used there and warehouse clubs seem to be a 5% category every year.

 

[hsmamato2]

Just back from Fiji...... wow. exhausted but wow. Learned a few things about international travel on this adventure....
1- Priority pass pretty much is useless unless you get real lucky with timing.
2- I love GE, but next time triple check that the stupid airline actually attaches the # to boarding pass (mine didn't) but it saved us just once in a line with approx. 1000 people waiting (what a mess) and we sailed right by,used those face id machines. That alone made it amazing.
3- My brain has to work overtime to hear and process other languages, and it's tiring.
4- TSA agents are all over the place- and annoying everywhere, but the Fijian security folks, like most of the Fijians in general were much friendlier and more chill than any other location. the ineptness at SFO made us late to board our flight,and they took away a sealed duty free purchase from us (I assume b/c they wanted it for themselves)
5- Boy do I love traveling,and I also hate it all at the same time (lol)
So tired.... happy to be home but thrilled to have done it! (and the vitamins were fine lol)