Right. Exactly. I'm sorry if I wasn't clear.
You can download offline maps before you leave and use them to navigate without data or wifi. (not available everywhere but we used it in the UK for driving.
Yeah we have Tmobile. I don’t know if it makes a difference. I just know, DH said we could only use Wi-Fi calling when we were actually connected to public Wi-Fi or the wifi networks in the hotels/trains, etc. Otherwise, we had to use WhatsApp when we were on our data plan (included international data from tmobile). I will admit I don’t completely understand it either… I just do what I’m told when it comes to technologyWe actually used the Wifi calling on the Japanese data only eSIM network too. We would call each other when we were separated at the parks just like normal. It felt very seamless.
But I just asked DH if we'll be able to do the same in Europe now that we're with T-Mobile instead of Xfinity. Apparently there's a lot of nuance that I don't totally understand.
Sounds like a reasonable plan. No downside to forgoing bonuses on the CFU/CFF. There are much better bonuses to be had. As far as what cards to apply for next, that’s highly individual dependent on your goals. If you’re wanting more Chase URs then you can’t go wrong with the Chase business cards. The Ink Cash or Ink Unlimited have great bonuses and no AF.
Ah..yes, thanks for the reminder of the 4yr Sapphire rule. I forget about it because I did a MDD.
Thank you, exactly why I sought advice here from knowledgeable people such as yourself! I was not aware of the rule, and have now done some additional research to educate myself and I see what you're describing to be true. I will mark my calendar for 48 months once the CFP welcome bonus is earned.
advice is do not to make your spouse an AU on a personal card. It will add to their 5/24 count. But if they are an AU It doesn’t preclude them from getting their own card and bonus if they meet the criteria.
Thank you. I think this is what I plan to do.
This is what confused me when chatting with ATT online. She said something like it is capped at 10 days per billing cycle and then the rest will be charged next billing cycle. I tried to clarify with her. I will be in Europe for 15 days - all in the same billing cycle - so for one phone, I asked her if the most I will be charged is $100, assuming I use the phone 10+ days. She said in that billing cylce I will only be charged $100 and the rest (if I used the phone more than 10 days) would be charged in the next billing cycle.
Have you looked at multi-city pricing for the open jaw cruise? I found multi-city to be considered RT, or close to it, pricing wise. Just did a quicky sanity check on AA with PHL>YVR,ANC>PHL, random 7days in Aug and the lowest cash price was within $10 of either city's RT price.
Chase values all points at 1 cpp for 1099 purposes. So SW, United, Marriott, IHG (
bleck), etc all same valuation, even though you definitely don't always get that value on a redemption. If you were tax savvy and had an actual redemption value for that year that you could claim the actual fair market value realized, but Chase will still have reported based on their value. Not tax advice, just putting out some food for thought.If you're not going to pay it off, I wouldn't recommend any top tier card for the sign up bonus. The interest rates are also top tier
so you don't want to accidentally leave a balance subject to interest on them. The Chase payment plan doesn't charge interest but price out the fees vs a lower interest card. Sometimes the fixed fees are higher than the interest rates. I haven't looked too hard into it so I can't speak specifically for how Chase structures their fees currently. I also don't think you can know in advance what plan terms they'll offer you, so you may not get the length of time you'd want. Then if you couldn't pay it completely you'd be at the mercy of the normal interest rate.
As a general PSA, everyone should be reading the details of the offer you're signing up for - not just the advertising on the application. Find the link for the fine print, for Chase it's "Offer Details", and read that thoroughly before applying. That link has all the details about bonus eligibility which will clue you into potential future eligibility problems. Specifically the Sapphire details spell out the 48 month rule in bold as the first, super long, sentence -
Alrighty, found the actual fine print! God I hate dealing with the phone company.
Before someone became enlightened, if said person had added P2 as an authorized user to CSP, could P2 still apply for CSP themselves (and receive SUB) if removed as AU from P1's card?As a general PSA, everyone should be reading the details of the offer you're signing up for - not just the advertising on the application. Find the link for the fine print, for Chase it's "Offer Details", and read that thoroughly before applying. That link has all the details about bonus eligibility which will clue you into potential future eligibility problems. Specifically the Sapphire details spell out the 48 month rule in bold as the first, super long, sentence -
"The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products."
Key words are the product itself is not available for application if you already have any of the Sapphire cards, in other words, you'll be flat out denied if you apply for a new card while holding one. It does say you can change your product so nothing precluding you from holding more than one, but you can't get the bonus for another one for 48 months once you earn this bonus. (Not without some MDD trickery, but the trickery only works at the time of the first application. But I digress.) These are key details that help plan out a roadmap for card applications.
As I'm thinking about cards I always open up the application and find the current fine print to use as a guide for future eligibility. Things can change between now and then, but I don't want to do something now that will for sure derail the path.
Also good to always look at the fine print that you're agreeing to before hitting submit. Things change. That blog post we just read might be outdated, the terms can change since your last application, the website could have old info that contradicts the terms. In the points game it's all about the details. It's what allows us to take full advantage of the cards we're getting. It's also the unglamorous side of travel hacking
So again, just a general reminder for everyone to check out all the details first, to try to avoid disappointment later.
Glad that you found us now, @OlliePop27, so you'll be prepared for P2's applications! Welcome to the addiction... ah, I mean, game!
Yes P2 can apply for their own CSP or CSR and receive the SUB
Thank you! I didn't think the chat rep got it right, but didn't see the fine print. Much appreciated. So for two phones max will be $150 - if we both use our phones all 15 days.
Thank you! Everyone here is so friendly and knowledgeable.
