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

[IFlossU]

Looks like I'll have to use a cc for my federal tax in April. The funds to pay it will be here in May.

I recall reading that thru paypal was the least fees.

is that for personal cards and/or biz?

now I'm going to want a new sub!

just got united biz, have 2 Inks each (dh and me). i find more use for UR than MR but am open to anything. I have amex [lat, bbp and surpass.

thanks for help and advie. may have to split it among cards if credit lines aren't large enough on new cards.

I paid ours with Biz Gold card using PayPal. Charged 1.8% fee. Received the SUB within a week of making the payment.

 

[TheOneWithTheTriplets]

Chase biz card reporting update: just got a notice today that my SW biz app from Nov is on my credit report. That only puts me at 2/24 for now but, if the rest of my biz cards from the last two years also pop in, we're going to have a problem.

 

[LilSweetPeaPhoto]

Well I've now got 3 cars on my credit report, LOL. I wasn't sure since I'm now retired, but my son's Trax got approved. We picked it up yesterday, he doesn't turn 16 till the end of May, LOL. Damn economic uncertainty. I put the $3200 on my Surpass, so between that and my homeowners insurance, I'm 1/2 way to the FNC. But I need another SUB.

I have a ton of medical bills to pay, but I'm kinda in a tricky place. My insurance gives me a break in my deductible for doing their "wellness" checklist. It drops from $1k to $850 for each of us (myself and my kids). We all hit our deductibles in Jan (we each have $850, then $900 in coinsurance). From others I've heard the credit isn't applied til March and sometimes as late as October. And it's on us to ask to have the procedures re-billed and then on us to ask for the money back from each place. Mine is easy, it's one ER visit in Jan. But they charged me $700 for an ER visit at the end of December where I saw NO ONE and sat in the waiting room for 4 hours before I left! I refuse to pay anything. If I saw someone in Dec, I wouldn't have had to go in Jan as well! As it was the same issue (chest pains). So If I pay my full bill for my Jan ER visit, I know my "refund" will be applied to the Dec bill I'm fighting. I contacted the hospital, they won't drop the charge. So I filed w/ my insurance. We'll see.
My son's deductible was met via like 5 different offices. So I'm not even sure where I'd begin to ask for re-billing. So I've been holding off on paying his as well. My daughter met hers through her therapist, and my mom was paying for that. So I just have to remember to have my mom call to get her refund.

Why can't my insurance just start the year at $850 vs making us jump through hoops?

I also still have the $4k bill from my daughter's jaw surgery in 12/2023! I have been calling the hospital billing MONTHLY about the charge, and they tell me monthly it'll be escalated and monthly I don't hear back from anyone. So it doesn't make me really want to "prepay" anything to any hospital right now and deal with refunds, when I can't get anywhere on a bill where I owe them the money! I've been fighting this because we had hit our deductible and co-insurance that year. They knew we were pushing getting in the surgery for that reason. It was supposed to originally be in August and even required pre-approval. But NO ONE told us it wasn't "covered" and no one told us an estimate of cost. It's on their website that I should have been provided an estimate, but they have been saying, well that's just if the office feels like it. It's actually on me to ask for the estimate. But on their website to ask for an estimate, her procedure isn't even listed either. So I'm arguing that they failed to do there part on notifying us. Also my daughter was 18 at the time, so technically this bill is in her name. She doesn't have a steady job and can not afford the $4k. So we've filed for financial assistance. But they refuse to consider her since her dad claims her. I can't get his tax return, and he basically cut her off, and she him. When I tell the hospital they keep saying they'll have someone contact me about everything. But never do. Instead they just keep sending me bills.

I swear, my part time job is dealing w/ insurance and medical bills right now. My mom was a medical biller for her entire career though. So she's been on some help (when she understands what I'm asking her....she's completely lost on my deductible "refund" dilemma).

But per my mom, medical debt can no longer be reported on your credit report and can not count against you. Now I'm all for paying for what's due. What I'm not for is charges that are uncalled for or unexpected (due to hospital/dr error). So I'm VERY tempted to let most of this debt just sit there. I'll pay the bills that are legit, but I'm truly thinking of rolling the dice on my $700 and my daughter's $4k.

On that note, thanks for letting me rant, LOL. And I'm off to see if the NLL Hilton cards get me a pop up, LOL.

 

[LilSweetPeaPhoto]

Oh crap! I think I actually just applied for the Hilton Honors card vs checking for the pop up.....I got this notice after the second screen....

Your application has been received and will be processed as soon as possible. We will notify you of the decision by mail within 14 days.
There has been no impact to your credit score at this time. If you’re approved and choose to accept the Card, the information we provide to credit bureau(s) may impact your credit score.

I have 5 cards open right now. So I was trying to check first. UGH. I guess when I get the information, I can call about it. Since I'm cancelling my current honors card right now, LOL.

 

[jujubiee4]

Soooo with the recent Chase 5x paypal offer. I need to spend 4500. I'm trying to do this without
"shopping". Overpaying for 3 months for utilities that accept paypal will help but can only do that up
to certain amount. Already paid taxes for year and insurance doesn't take paypal.

Still need 1k spend to max and im stumped. Anyone buy a walmart gift card online with paypal with
no problem? Least I can use that at Sams club. Any other ideas? thanks!

 

[wanderlust7]

Looks like I'll have to use a cc for my federal tax in April. The funds to pay it will be here in May.

I recall reading that thru paypal was the least fees.

is that for personal cards and/or biz?

now I'm going to want a new sub!

just got united biz, have 2 Inks each (dh and me). i find more use for UR than MR but am open to anything. I have amex [lat, bbp and surpass.

thanks for help and advie. may have to split it among cards if credit lines aren't large enough on new cards.

If it's a personal card, Pay1040 is cheaper at 1.75%, don't go through Paypal. I'm not sure if it recognizes Amex personal cards correctly. There were DPs about that, I don't know if it's fixed.

If it's a biz card, then ACI through Paypal at 1.85%.

 

[Minnie368]

In our group, we have 4 Hilton cards that offer quarterly statement credits. Does anyone know if I would be able to split payment on 4 different cards to pay for a room? I have a hotel stay booked on points at the end of March but I made another non-point reservation for the same hotel night so I could try to use all 4 credits that will otherwise expire 3/31. I was going to order GCs but now they are “out of stock”.

I have split payment between two cards successfully on several occasions. Each time I've been told it has to be done at checkout so I just go to the desk when we're leaving and say I want to put x$ on this card and then the rest to this card. It's been no problem and I've gotten the Hilton credit on both cards. Once I also added in a gc and it also was no problem. I was lucky and had nice reps that knew what they were doing so I'm sure that helped.

 

[Sheree]

I went on paypal to pay bill

I paid ours with Biz Gold card using PayPal. Charged 1.8% fee. Received the SUB within a week of making the payment.

thanks

went to pay billd but didn't see IRs. which service did you use
that' amex biz gold?
I have the blue amex biz plus so have to see if I'm eligible for sub

 

[Sheree]

If it's a personal card, Pay1040 is cheaper at 1.75%, don't go through Paypal. I'm not sure if it recognizes Amex personal cards correctly. There were DPs about that, I don't know if it's fixed.

If it's a biz card, then ACI through Paypal at 1.85%.

thank you

now just need new cards for subs! (i owe over 20k)

 

[lsutigers03]

I closed a US Bank Silver Business Checking account today. I was told it should be completed by Tuesday. The account has been open for 2 years. Does anyone know how long I have to wait to reapply? I want to try and get the $500 bonus again and I need to apply by 03/31/25.

 

[AmyAnne]

Ive seen many people in various FB groups report it works. I have personally never been able to try it.

Thanks. It seems that there are two Hilton properties (DoubleTree and Embassy Suites) that have a Starbucks, both near the airport. Thinking about how much of a pain it would be to drive out that way.

Am I correct that there are three AmEx cards with a quarterly Hilton credit: Biz Plat, Hilton Biz, and Surpass?

 

[Disdood]

Anyone heard of any elevated SUBs for Chase Sapphire in the near future?

 

[becauseimnew]

I earned the SUB for the SW card, 30K + CP, but the CP hasn't showed up on my account. How long does it normal take? We are flying friday.

 

[becauseimnew]

Anyone heard of any elevated SUBs for Chase Sapphire in the near future?

They just updated how much a person can earn from the referrals, so I'm guessing a new SUB might be coming?
https://www.doctorofcredit.com/chas...eferrer-annual-max-bonus-increased-to-100000/

 

[TheOneWithTheTriplets]

Anyone heard of any elevated SUBs for Chase Sapphire in the near future?

They just updated how much a person can earn from the referrals, so I'm guessing a new SUB might be coming?
https://www.doctorofcredit.com/chas...eferrer-annual-max-bonus-increased-to-100000/

Add me to this watch list. I'm hoping to see an elevated bonus sooner rather than later, too...

 

[palhockeymomof2]

I earned the SUB for the SW card, 30K + CP, but the CP hasn't showed up on my account. How long does it normal take? We are flying friday.

Usually the points post to your SW account within a few days of the statement closing, then the CP shows up a few days later

 

[afan]

I have a citi custom cash app af card that I don't use. It was a PC from an af card. There's only 395 points on it. Is there a reason to keep it?

I don't think there is.

 

[wanderlust7]

I have a citi custom cash app af card that I don't use. It was a PC from an af card. There's only 395 points on it. Is there a reason to keep it?

I don't think there is.

I think that can be PC'd to a Rewards+. I'm keeping that for if I get the Premier again, then I can transfer to partners with a 10% redemption bonus.

 

[wanderlust7]

I closed a US Bank Silver Business Checking account today. I was told it should be completed by Tuesday. The account has been open for 2 years. Does anyone know how long I have to wait to reapply? I want to try and get the $500 bonus again and I need to apply by 03/31/25.

12 months.

From terms:
"Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify."

 

[afan]

I think that can be PC'd to a Rewards+. I'm keeping that for if I get the Premier again, then I can transfer to partners with a 10% redemption bonus.

I'll call and see. Planning to cancel my gold when the af hits because I barely use it. The rewards +, even at 2x at grocery might be a better option than the Surpass for non sub spend. Not that it happens often, but better to have a no af grocery to fall back on than an af that I'm only using the monthly credits for.