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

[hsmamato2]

.... Ok I answered my own question for the timing-..... now CSR TC coding question.... buy Disney park tix from UT,does that code for TC? or buy straight from dis official site? thanks

 

[becauseimnew]

For those of us that haven't applied for the AA Barclays' card, this might be your last chance.
https://www.cnbc.com/2024/12/05/ame...fpcCHJ9CIkh_JGO7D4_aem_S5IT7xH6sZ_LhKyNtd8H7A
Here is the 70K SUB link
https://cards.barclaycardus.com/ban...of-home/d35e9a0c-7c9b-4509-a56a-f6801a1eff9e/

 

[hsmamato2]

aaaand I read this thread on FT and now I'm confused again about the timing for CSR pc....

https://www.flyertalk.com/forum/cha...se-csr-travel-credit-reset-date-change-2.html

 

[KPK02090]

I feel like this is the doldrums for finding a new MSR at the moment....am I alone in this? I've been coasting along, but knowing I have some larger bills next month,I'd like to have something ready to use...just can't seem to find anything worthwhile to go for.... I was letting my chase apps breathe (last CiU 9/2/24) and I still have 2 CiU open and a CiC.... already got the CSR (about to pc) and just not sure what I want next....got enough beloved ihg points for awhile, but my old school $49 AF card doesn't get me 4th night free benefits so I'm considering pc'ing up on that one....(should I?)

I'm with you. I was just denied a CIU - which I kind of knew I would be. I have three Chase biz cards open and my last was just two months ago. But I have an $8k spend I have to make by Dec 27, so I'm under the gun to find something to put it on. It's tuition so comes with a 2.95% fee for using a credit card so I need a SUB that makes it worth the fee. I opened a lot recently so I need something not too inquiry sensitive. Below is what I have recently gotten. Thinking of trying US bank again, maybe. Any advice?
Feb-23 CHASE - Chase Ink Unlimited (CIU)
Apr-23 CHASE - CSP (product changed to Chase Freedom May-24)
May-23 Amex - Hilton - Hilton Honors Business
Oct-23 CHASE - Chase Ink Unlimited (CIU) (closed Oct-24)
Dec-23 Amex - BBP
Jan-24 CHASE - Chase Ink Cash (CIC)
May-24 CHASE - Chase Ink Preferred (CIP)
May-24 Amex - American Express Business Platinum
Jun-24 Barclay - Jet Blue Plus
Aug-24 CHASE - Chase Ink Preferred (CIP)
Sep-24 Barclay - AAAdvantage Aviator
Oct-24 US Bank - Triple Cash

Any options for or should I just pay the tuition without a bonus and give it some time before another app?

 

[LynnTH]

I'm with you. I was just denied a CIU - which I kind of knew I would be. I have three Chase biz cards open and my last was just two months ago. But I have an $8k spend I have to make by Dec 27, so I'm under the gun to find something to put it on. It's tuition so comes with a 2.95% fee for using a credit card so I need a SUB that makes it worth the fee. I opened a lot recently so I need something not too inquiry sensitive. Below is what I have recently gotten. Thinking of trying US bank again, maybe. Any advice?
Feb-23 CHASE - Chase Ink Unlimited (CIU)
Apr-23 CHASE - CSP (product changed to Chase Freedom May-24)
May-23 Amex - Hilton - Hilton Honors Business
Oct-23 CHASE - Chase Ink Unlimited (CIU) (closed Oct-24)
Dec-23 Amex - BBP
Jan-24 CHASE - Chase Ink Cash (CIC)
May-24 CHASE - Chase Ink Preferred (CIP)
May-24 Amex - American Express Business Platinum
Jun-24 Barclay - Jet Blue Plus
Aug-24 CHASE - Chase Ink Preferred (CIP)
Sep-24 Barclay - AAAdvantage Aviator
Oct-24 US Bank - Triple Cash

Any options for or should I just pay the tuition without a bonus and give it some time before another app?

I would try for a different US Bank Biz Card. I have had good luck with them. I have gotten 3 cards this year and so has DH. Two cards were only a month apart. I hate having a big spend and not having a SUB.

 

[afan]

For those of us that haven't applied for the AA Barclays' card, this might be your last chance.
https://www.cnbc.com/2024/12/05/ame...fpcCHJ9CIkh_JGO7D4_aem_S5IT7xH6sZ_LhKyNtd8H7A
Here is the 70K SUB link
https://cards.barclaycardus.com/ban...of-home/d35e9a0c-7c9b-4509-a56a-f6801a1eff9e/

My no af AA barclays card is my 2nd oldest and highest cl. It's the only reason I still have it. Going to have to decide if it's worth keeping with the switch to citi. I'm guessing they won't have a no af card.

 

[Crazed4DisneyinSC]

For those of us that haven't applied for the AA Barclays' card, this might be your last chance.
https://www.cnbc.com/2024/12/05/ame...fpcCHJ9CIkh_JGO7D4_aem_S5IT7xH6sZ_LhKyNtd8H7A
Here is the 70K SUB link
https://cards.barclaycardus.com/ban...of-home/d35e9a0c-7c9b-4509-a56a-f6801a1eff9e/

Thanks, this pushed me over the edge to apply... and then I got the error "We apologize for the inconvenience, but our website is experiencing technical issues. Please contact us at 1-866-371-0107 or try again later." UGH. I guess I need to try again later...

 

[wanderlust7]

I'm with you. I was just denied a CIU - which I kind of knew I would be. I have three Chase biz cards open and my last was just two months ago. But I have an $8k spend I have to make by Dec 27, so I'm under the gun to find something to put it on. It's tuition so comes with a 2.95% fee for using a credit card so I need a SUB that makes it worth the fee. I opened a lot recently so I need something not too inquiry sensitive. Below is what I have recently gotten. Thinking of trying US bank again, maybe. Any advice?
Feb-23 CHASE - Chase Ink Unlimited (CIU)
Apr-23 CHASE - CSP (product changed to Chase Freedom May-24)
May-23 Amex - Hilton - Hilton Honors Business
Oct-23 CHASE - Chase Ink Unlimited (CIU) (closed Oct-24)
Dec-23 Amex - BBP
Jan-24 CHASE - Chase Ink Cash (CIC)
May-24 CHASE - Chase Ink Preferred (CIP)
May-24 Amex - American Express Business Platinum
Jun-24 Barclay - Jet Blue Plus
Aug-24 CHASE - Chase Ink Preferred (CIP)
Sep-24 Barclay - AAAdvantage Aviator
Oct-24 US Bank - Triple Cash

Any options for or should I just pay the tuition without a bonus and give it some time before another app?

Are you like most people where US Bank and Barclays pulls TU for you, but Chase doesn't? If so, you were 2/6 inquiries at the Triple Cash approval and you're still 2/6 now. I'd think approval odds are good.

The Leverage biz isn't elevated, but it has 2x top 2 categories and schools is one of the many categories included.

 

[elgerber]

For those of us that haven't applied for the AA Barclays' card, this might be your last chance.
https://www.cnbc.com/2024/12/05/ame...fpcCHJ9CIkh_JGO7D4_aem_S5IT7xH6sZ_LhKyNtd8H7A
Here is the 70K SUB link
https://cards.barclaycardus.com/ban...of-home/d35e9a0c-7c9b-4509-a56a-f6801a1eff9e/

Hmmmm, do I want this? it would put me at 3/24, would put dh at 2/24

 

[wanderlust7]

if you have a US Bank account, you can do cash back, which is what I plan to do. Looks like my $59.75 gets me $59.75 (my $750 is pending still). Oh needs to be $25 increments. My other US bank biz card doesn't do that. Statement credit looks to be the same.

The $25 increments for Connect biz and Triple Cash biz is so annoying. The Leverage biz doesn't have that.

I do statement credit. Points post at statement close. I redeem before the payment is due and it comes off the balance. I only ended up with a credit once when the statement I made MSR in wasn't enough to use up the credit. I was too lazy to contact them. Looks like 3 months later they've cut me a check.

 

[KPK02090]

I would try for a different US Bank Biz Card. I have had good luck with them. I have gotten 3 cards this year and so has DH. Two cards were only a month apart. I hate having a big spend and not having a SUB.

Are you like most people where US Bank and Barclays pulls TU for you, but Chase doesn't? If so, you were 2/6 inquiries at the Triple Cash approval and you're still 2/6 now. I'd think approval odds are good.

The Leverage biz isn't elevated, but it has 2x top 2 categories and schools is one of the many categories included.

This was enough of a nudge, I went for the US Bank Leverage. I got the "you'll hear from us soon." I also got an alert that Transunion was pulled. Fingers crossed!

Thank you both for the advice!

 

[becauseimnew]

Thanks, this pushed me over the edge to apply... and then I got the error "We apologize for the inconvenience, but our website is experiencing technical issues. Please contact us at 1-866-371-0107 or try again later." UGH. I guess I need to try again later...

oh no... P2 & I applied earlier this morning and were both approved. Maybe lots of people are applying?

 

[*WDW*Groupie*]

I'm with you. I was just denied a CIU - which I kind of knew I would be. I have three Chase biz cards open and my last was just two months ago. But I have an $8k spend I have to make by Dec 27, so I'm under the gun to find something to put it on. It's tuition so comes with a 2.95% fee for using a credit card so I need a SUB that makes it worth the fee. I opened a lot recently so I need something not too inquiry sensitive. Below is what I have recently gotten. Thinking of trying US bank again, maybe. Any advice?
Feb-23 CHASE - Chase Ink Unlimited (CIU)
Apr-23 CHASE - CSP (product changed to Chase Freedom May-24)
May-23 Amex - Hilton - Hilton Honors Business
Oct-23 CHASE - Chase Ink Unlimited (CIU) (closed Oct-24)
Dec-23 Amex - BBP
Jan-24 CHASE - Chase Ink Cash (CIC)
May-24 CHASE - Chase Ink Preferred (CIP)
May-24 Amex - American Express Business Platinum
Jun-24 Barclay - Jet Blue Plus
Aug-24 CHASE - Chase Ink Preferred (CIP)
Sep-24 Barclay - AAAdvantage Aviator
Oct-24 US Bank - Triple Cash

Any options for or should I just pay the tuition without a bonus and give it some time before another app?

What about the Hilton Aspire card? I like that it gives you 1 FNC / year, diamond status plus the resort and airline credits.

 

[*WDW*Groupie*]

For those of us that haven't applied for the AA Barclays' card, this might be your last chance.
https://www.cnbc.com/2024/12/05/ame...fpcCHJ9CIkh_JGO7D4_aem_S5IT7xH6sZ_LhKyNtd8H7A
Here is the 70K SUB link
https://cards.barclaycardus.com/ban...of-home/d35e9a0c-7c9b-4509-a56a-f6801a1eff9e/

Barclay AA is just once every 4 years, correct? I just got last fall, so I don't think I'm eligible for this offer

 

[elgerber]

Barclay AA is just once every 4 years, correct? I just got last fall, so I don't think I'm eligible for this offer

I just looked mine up, I am 7 years out LOL, guess I am good.

 

[becauseimnew]

Barclay AA is just once every 4 years, correct? I just got last fall, so I don't think I'm eligible for this offer

No, Barclay is as long as you don't have the card and you get approved. DH earned the SUB last 2/23 and I earned it 6/20.

 

[mmmears]

For those of us that haven't applied for the AA Barclays' card, this might be your last chance.
https://www.cnbc.com/2024/12/05/ame...fpcCHJ9CIkh_JGO7D4_aem_S5IT7xH6sZ_LhKyNtd8H7A
Here is the 70K SUB link
https://cards.barclaycardus.com/ban...of-home/d35e9a0c-7c9b-4509-a56a-f6801a1eff9e/

Now I suddenly have FOMO and I'm scurrying to look at a card I never wanted before.

 

[Crazed4DisneyinSC]

oh no... P2 & I applied earlier this morning and were both approved. Maybe lots of people are applying?

So crazy, I just tried again in Firefox, got the same error. Then I tried in Microsoft Edge, and it went through. Wonky. APPROVED with an absurd credit limit, lol.

 

[mmmears]

Now I suddenly have FOMO and I'm scurrying to look at a card I never wanted before.

Y'all are influencers. I just applied for it and got it. I have a bunch of old AA miles and struggle to use them, so why not get more?

 

[elgerber]

Y'all are influencers. I just applied for it and got it. I have a bunch of old AA miles and struggle to use them, so why not get more?

Hahahahaha, yeah, I finally got rid of all mine, and dh still has some from our run way back when, and yet now I want more.