I love credit cards so much! v7.0 - 2025 (see first page for add'l details)

[StephPlum]

US bank question. I used the SUB as a statement credit. My auto pay still says a payment of the statement balance (before credit) will be made. But says my current balance is stmt balance less SUB. Will they autopay the stmt balance or current balance?

As someone else mentioned. Autopay did the current balance. Nice.

 

[StephPlum]

I was going to wait but need a new card by end of the month to pay for wrist surgery. I was thinking of another US bank business card. I think I've read others have gotten more than one. I got the triple cash in Oct. Has enough time elapsed to go for another card? If I go for one of the travel cards, can I use the bonus points as a statement credit or to transfer 1:1 to a bank account (can you transfer from business card to personal bank account)? Can I get a second triple cash?

 

[wanderlust7]

I was going to wait but need a new card by end of the month to pay for wrist surgery. I was thinking of another US bank business card. I think I've read others have gotten more than one. I got the triple cash in Oct. Has enough time elapsed to go for another card? If I go for one of the travel cards, can I use the bonus points as a statement credit or to transfer 1:1 to a bank account (can you transfer from business card to personal bank account)? Can I get a second triple cash?

The travel cards work the same as the cashback ones. I tried to transfer to a personal checking before and it failed. Not sure if it's because it's under a different logon.

My second USB biz card was about a month after, but it was a different one. You can get multiple of the same, but I don't know how that affects approval odds.

 

[StephPlum]

The travel cards work the same as the cashback ones. I tried to transfer to a personal checking before and it failed. Not sure if it's because it's under a different logon.

My second USB biz card was about a month after, but it was a different one. You can get multiple of the same, but I don't know how that affects approval odds.

Thanks. I can "see" my business CC when I log into personal but had to make a new log in for it, so I probably can't transfer. I'd be fine with a statement credit.

 

[disneedee]

I was going to wait but need a new card by end of the month to pay for wrist surgery. I was thinking of another US bank business card. I think I've read others have gotten more than one. I got the triple cash in Oct. Has enough time elapsed to go for another card? If I go for one of the travel cards, can I use the bonus points as a statement credit or to transfer 1:1 to a bank account (can you transfer from business card to personal bank account)? Can I get a second triple cash?

can not transfer to personal acct. tried that. you can do the statement credit and after the acct sits for 3 months with a credit on it they will mail you a check. also can call in and ask to have a check mailed before that but i avoid phone calls. multiple accts seem to work good but the 3 i have are all different types of acct. but all business.

 

[becauseimnew]

Denial for SW card:
We based our decision on the following reason(s)
• Too many requests for credit or opened accounts with us

I have 6 open cards, 4 personal all 4+ years, 2 business cards opened 4/24 & 9/24.
First personal card denial from Chase

Well, that was weird. I called them and they asked me to remove the freeze on my Experian credit, I have my passwords at home so I couldn’t do it. But I just realized that I didn’t get a credit alert from Credit Karma, I wonder if they just used the report they pulled when I applied for the business card?
My Experian has less inquiries, so here’s to hoping I get approved. I’ll report back.

 

[trenty]

Check your BJs accounts. I just got another $10 coupon on purchase of $100. Expires 2/15
It works on Disney GCs for me.

ETA: I meant to post this in the Gift Card thread.

 

[CyndiLouWho]

Congrats! Did you have any balances?

Had a $1200 balance in the CIC until 2 weeks ago when I forgot to pay and paid the whole balance off a day after due. So despite my stupid mistake, they gave me more credit. Only $4k credit limit but I already transferred $3k from another card.

 

[FreeDiningFanatic]

Trip Planning Starting!!!! Not in 2025 but 2026.

2026 is the year of our 30th Wedding Anniversary. We are thinking of doing an around the world Disney Trip to all 5 parks!!!!!!!!!!!

It's going to wind up being a longer trip because we don't want to hit one park and then run to the next park. It's going to be in the Fall 2026, aiming for Sept/Oct 2026, if possible....

I know nothing about any of the other parks except WDW and a lot of WDW has changed and I have not kept up. Last time I was at DL in CA was in 2017 and forgot all my planning. I'm off to look for trip reports!

If anyone has any links to some good reports or advice, I'm all ears! I'm just starting and only have the idea of the trip at this point.

We are thinking of driving up to Orlando from Miami at the end of Aug or the beginning of Sept 2026 and spending at least 4 days there to do 1 park, 1 day. We could stay at our DD's house, or my Aunt's house, or some DVC resort. We are the most flexible on this part of the trip.

We would then fly from Orlando to Anahiem and spend 2-3 nights? We will try to get into the DVC there or at a walkable hotel as a 2nd choice.

We have some family thinking about a 16 night cruise from the west coast to Japan, which is how we started thinking about this trip. Not sure if we will join them but there is a small possibility.

If not, we will fly from somewhere on the west coast to Japan. Is 2 days per park enough? So, maybe a week in Tokyo max? Not going to visit other places in Japan other than Tokyo, otherwise, we will never get home! Although, DH mentioned the Bullet Train as a maybe on his wish list.

Fly from Tokyo to Shanghai. I think they give you 10 days in transit before requiring a visa? Not sure, will double check, Anyway, is 2 park days enough? How many days to visit the sights in Shanghai?

I think DH said that there was a high speed train to Hong Kong from Shanghai? If so, we may do that, or fly.

2 nights near the Hong Kong DL? How many park days needed? We haven't been to Hong Kong since 1997. Haven't decided how long to stay. 5-7 nights?

Onward to Paris DL by air. The Marriott has a timeshare near Disneyland Paris, will try to exchange into it. Want to do some day trips to Versailles and other places from there in addition to DL. Is 2 park days enough? We want to do the Louvre, Notre Dame (I think the repairs are completed?) and the Eiffel Tower in Paris. Not sure I want to do day trips from the Disneyland area. Was thinking of adding a few nights in Paris either before or after the week in the Disneyland timeshare.

After Paris, we are looking to do a transatlantic cruise from Europe (Barcelona most likely) back to Miami, FL. We found a few westbound cruises to choose from, beginning on 10/23/2026 all the way to 11/23/2026. So, depending on when actually we start the trip in WDW and how long we take in each country and where else we go in Europe, we will see which cruise fits when we can or want to go back.

We are looking at a minimum of 2 months and up to 3 months. We have a budget in mind but no clue how much we will be going over the budget!

We are in the dreaming stage where we are planning our DREAM trip, if time and money was not limited. When we actually add up the time and $$$, the trip may very well shrink!! Lol.

I'm off to watch some YouTube Videos tonight. Please point me in the right direction to help me plan this epic trip!

TIA!

I love, love, love this trip idea. Something you might want to look into is an around the world ticket, which you can buy as an award or cash ticket. ANA's gets a lot of love. Lot's of details on r/awardtravel with tips on how to book these.

 

[becauseimnew]

Well, that was weird. I called them and they asked me to remove the freeze on my Experian credit, I have my passwords at home so I couldn’t do it. But I just realized that I didn’t get a credit alert from Credit Karma, I wonder if they just used the report they pulled when I applied for the business card?
My Experian has less inquiries, so here’s to hoping I get approved. I’ll report back.

My credit card application saga continues. Called after lifting the freeze, explain that I needed to talk to recon because I was asked to lift the credit freeze, the guy checks out my application sees it was declined and then puts me on hold to transfer me, the recon person comes on the phone says that my application has been changed from declined to pending and nothing she can do. I ask her if she could at least try to run my credit so I can freeze it again, and she said she couldn't do anything since it's in pending status.

I haven't received an alert that my credit report was checked, so I'm not sure how the application change status? I'm so confused, but I guess I'll wait for another decision.
Or I might just call the recon line again in the morning

 

[LilSweetPeaPhoto]

So I was denied the IHG Personal by Chase earlier this week. Too much credit I think was the reason. I called and was able to take some of my CFU credit line (which was my CSR till last month) and get that moved over to get approved. Just waiting on the card to hit the spend immediately w/ all these bills .

Look at where to go in 2 weeks for the BF's vacation. He's basically off from 2/12 for the rest of the month. And of course we can go anywhere. I'm always the one for sunshine. We have 3 Hilton FNC, but our fav AI in PDC doesn't have standard rooms. I started to look at SLH properties, but he doesn't like all the added cost from meals and drinks, LOL. So then I started looking at Hyatt points (I'll just transfer over from Chase, or make him do some this time too, LOL). We could go to Cabo or Curacao and stay in the Zoetry at either place. The other option is Punta Cana. I know a few in the group have been. Our options in Punta seem to be, Secrets Cap Cana, Secrets Royal Beach, Zilara Cap Cana, Ziva Cap Cana, Breathless, Dreams Cap Cana or Dream La Romania (or something like that, LOL). Any suggestions? We kinda like adults only. So I was thinking Secrets or Zilara.

Any suggestions from the Punta Cana experts?

 

[becauseimnew]

My credit card application saga continues. Called after lifting the freeze, explain that I needed to talk to recon because I was asked to lift the credit freeze, the guy checks out my application sees it was declined and then puts me on hold to transfer me, the recon person comes on the phone says that my application has been changed from declined to pending and nothing she can do. I ask her if she could at least try to run my credit so I can freeze it again, and she said she couldn't do anything since it's in pending status.

I haven't received an alert that my credit report was checked, so I'm not sure how the application change status? I'm so confused, but I guess I'll wait for another decision.
Or I might just call the recon line again in the morning

Update, called recon again they ran my credit and I was approved!
If my payment is due April 3rd, when will the statement close?

 

[Crazed4DisneyinSC]

Look at where to go in 2 weeks for the BF's vacation. He's basically off from 2/12 for the rest of the month. And of course we can go anywhere. I'm always the one for sunshine. We have 3 Hilton FNC, but our fav AI in PDC doesn't have standard rooms. I started to look at SLH properties, but he doesn't like all the added cost from meals and drinks, LOL. So then I started looking at Hyatt points (I'll just transfer over from Chase, or make him do some this time too, LOL). We could go to Cabo or Curacao and stay in the Zoetry at either place. The other option is Punta Cana. I know a few in the group have been. Our options in Punta seem to be, Secrets Cap Cana, Secrets Royal Beach, Zilara Cap Cana, Ziva Cap Cana, Breathless, Dreams Cap Cana or Dream La Romania (or something like that, LOL). Any suggestions? We kinda like adults only. So I was thinking Secrets or Zilara.

Any suggestions from the Punta Cana experts?

We were just at Breathless in December.

Things we liked: 1) points cost couldn't be beat!!, 2) beach was nice, lots of chairs/umbrellas to choose from, 3) adults only!, 4) access to Dreams resort next door (waterpark was fun, the steakhouse was great, and some of the nightly shows we preferred at Dreams).

Things we disliked: 1) some of the specialty restaurants left a little to be desired, like the hibachi. Some were rather good, though. It was hit or miss. 2) cocktail drinks were watered down and not strong at all. If you held a tip in hand, they seemed to get better, 3) it's farther from the airport than some of the other resorts. This wasn't a problem for us (we used URs for the transport to/from), but if interested in specific excursions, it may be a bit out of the way, 4) we had a room close to the night club, and it was rather loud at night, so we had trouble sleeping. We aren't party people... some of those at this resort definitely were, though! There are two main pool areas, a party pool and a more family friendly pool; we stuck to the latter, but had some good laughs every time we passed the party pool. I don't even want to venture to guess how much those people drank each day.

 

[StephPlum]

I don't remember this the first time I applied for a US Bank Biz card. It won't let me past the page asking for DBA. I don't have a DBA. I don't know if this happened first time or not. Anyone else experience? Did you just put your name?

 

[wanderlust7]

I don't remember this the first time I applied for a US Bank Biz card. It won't let me past the page asking for DBA. I don't have a DBA. I don't know if this happened first time or not. Anyone else experience? Did you just put your name?

Yes, I put my name.

 

[StephPlum]

Yeah! US Bank likes me! Instant approval . And as soon as medical bills come in instant MSR hit .

 

[wanderlust7]

Yeah! US Bank likes me! Instant approval . And as soon as medical bills come in instant MSR hit .

Nice! DH and I have never gotten instant approval with USB.

 

[palhockeymomof2]

Update, called recon again they ran my credit and I was approved!
If my payment is due April 3rd, when will the statement close?

Congrats First statement should close March 6th

 

[lsutigers03]

If anyone needs Hawaiian and/or Alaska miles you can get 70k for 1 purchase and a $99 AF. DW and I are at 3/24 and one will drop off in a few months so I applied us both and was instantly approved.

https://frequentmiler.com/70k-miles-after-1st-purchase-returns-on-hawaiian-airlines-mastercard/

 

[gottalovepluto]

Obscure DP regarding downgrading Citi Premier to Custom Cash- points are awarded based on the card type at statement close, not at time of purchase. I did a $500 drugstore purchase (for the cvs merchant offer) 1/10, downgraded to a CC 1/24 as my AF was coming due, stmt closed 2/5 and I got the 5x for drugstore purchases. Nothing life changing lol, but kinda interesting.