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

[georgina]

Oh. My. God. Yet another call from Chase fraud dept about my 1/1 CIC application, for which I already sent the TIN verification form, had a phone call with them to verify my mother's maiden name and phone #. This morning I got a call - they want me to send them my driver's license to verify my birth date and address! Oh, and a utility bill? Sending me a secure link to upload. If they deny me after all this I will be extremely angry.

 

[Judique]

Oh. My. God. Yet another call from Chase fraud dept about my 1/1 CIC application, for which I already sent the TIN verification form, had a phone call with them to verify my mother's maiden name and phone #. This morning I got a call - they want me to send them my driver's license to verify my birth date and address! Oh, and a utility bill? Sending me a secure link to upload. If they deny me after all this I will be extremely angry.

Super glad I didn't answer when they called me.

 

[CyndiLouWho]

DH has a "pre approved" CIP offer in his account. He has a CIU and a CIC and is 1/24. However his past CIC payment was a day late (my fault, I forgot to schedule it.)
Any guesses on his chance to get CIP approved?

 

[elgerber]

DH has a "pre approved" CIP offer in his account. He has a CIU and a CIC and is 1/24. However his past CIC payment was a day late (my fault, I forgot to schedule it.)
Any guesses on his chance to get CIP approved?

Where do you find those offers?

 

[lsutigers03]

CIC success after two denials over the past few months. I had a CIU, CIP, SW Biz, and IHG Biz and was denied. Closed the CIU waited a month from the close and was denied again. Closed the SW Biz and waited around two months while doing spend on another card and was just approved today.

 

[elgerber]

CIC success after two denials over the past few months. I had a CIU, CIP, SW Biz, and IHG Biz and was denied. Closed the CIU waited a month from the close and was denied again. Closed the SW Biz and waited around two months while doing spend on another card and was just approved today.

Cool. So two opened biz cards at app?

 

[CyndiLouWho]

Where do you find those offers?

In the app, scroll to the bottom. Near the bottom I have a couple offers including for a cc or auto loan.

 

[elgerber]

In the app, scroll to the bottom. Near the bottom I have a couple offers including for a cc or auto loan.

Thanks. I never have anything down there

 

[lsutigers03]

Cool. So two opened biz cards at app?

Correct

 

[SleepyatDVC]

Hello!

It is 2025. Everyone should go over to reddit and update their support links! They are all OLD.

In any case, I need another SUB. I went over to reddit but I didn't see any interesting links.

I think I want to try to start accumulating Amex MRs and give Chase a break right now. I have a Delta Biz Amex and a Hilton Amex and am an AU on my Dad's Amex's (from 1972) but have not earned a single MR for myself.

Which Amex card I should start with if I want to eventually earn all the Amex SUBs? I think I have to start with Gold cards? I used a incognito browser and was able to pull a 200k offer for a Gold Biz Card. Should I pull the trigger or try for a different card?

 

[kmc8826]

DH has a "pre approved" CIP offer in his account. He has a CIU and a CIC and is 1/24. However his past CIC payment was a day late (my fault, I forgot to schedule it.)
Any guesses on his chance to get CIP approved?

If the offer is still there I think you have a decent shot of approval. I got a pre approved last year unexpectedly and I was approved despite having balances I was floating on a CIC and CIU.

 

[kmc8826]

Hello!

It is 2025. Everyone should go over to reddit and update their support links! They are all OLD.

In any case, I need another SUB. I went over to reddit but I didn't see any interesting links.

I think I want to try to start accumulating Amex MRs and give Chase a break right now. I have a Delta Biz Amex and a Hilton Amex and am an AU on my Dad's Amex's (from 1972) but have not earned a single MR for myself.

Which Amex card I should start with if I want to eventually earn all the Amex SUBs? I think I have to start with Gold cards? I used a incognito browser and was able to pull a 200k offer for a Gold Biz Card. Should I pull the trigger or try for a different card?

View attachment 931109

You can start with MR’s with the business gold. Lower than the biz gold is green but it doesn’t really ever have much of an offer.

 

[SleepyatDVC]

Hello!

It is 2025. Everyone should go over to reddit and update their support links! They are all OLD.

In any case, I need another SUB. I went over to reddit but I didn't see any interesting links.

I think I want to try to start accumulating Amex MRs and give Chase a break right now. I have a Delta Biz Amex and a Hilton Amex and am an AU on my Dad's Amex's (from 1972) but have not earned a single MR for myself.

Which Amex card I should start with if I want to eventually earn all the Amex SUBs? I think I have to start with Gold cards? I used a incognito browser and was able to pull a 200k offer for a Gold Biz Card. Should I pull the trigger or try for a different card?

View attachment 931109

You can start with MR’s with the business gold. Lower than the biz gold is green but it doesn’t really ever have much of an offer.

Awwww... apparently, I'm in pop up jail...

 

[havaneselover]

First time flying Breeze yesterday. Our trip was decent. We flew Nicer. Seats didn't feel super comfortable, but it was only a two hour flight. This was the first time I've flown with my dog in about three years (I had one really bad experinece flying with her on SW) and everything went well. Honestly the driving factor for me was the ability to get a non-stop. It's not going to be warm down in SW FL, but it's better than being in Central VA.

 

[hsmamato2]

Still on vacation at wdw with the fam (so tired now lol) but needed a new bonus bc taxes due soon- decided to try for ink, if that failed was gonna go usbank route- instant approval for cic- closed a couple approx. 3 weeks ago, still have open ciu and cic- last app was 9/2/24. (3k cl)

 

[miztressuz]

Speaking of support links, reminded me to post the refreshed threads for the new year!

DISchurners has been updated with the 2025 support threads. I'll leave up the 2024 posts for the next few days if you want to copy your previous post for formatting. After that I'll remove them to prevent confusion.

Please go through and make sure everything is up to date. Thanks!

 

[gottalovepluto]

Anyone have a ShopYourWay Citi MC? I've got a spend offer for spend $1000, get $100 in online purchases and I'm trying to figure out if a Disney hotel payment would qualify. There are a million exclusions as to what does not qualify but I'm not seeing travel excluded...

It did code as travel.

For other lol/24 folks cannot recommend Citi SYW enough. Spend offers are random (so no guarantee they’ll work out like they have for me) with exclusion lists a mile long but I’ve made over $1k between points offers, spend offers and the sign up bonus in the year I’ve had the card.

Awwww... apparently, I'm in pop up jail...

once in awhile people will report Pop up jail release if applying without a support link

 

[newski_mom]

It did code as travel.

For other lol/24 folks cannot recommend Citi SYW enough. Spend offers are random (so no guarantee they’ll work out like they have for me) with exclusion lists a mile long but I’ve made over $1k between points offers, spend offers and the sign up bonus in the year I’ve had the card.


once in awhile people will report Pop up jail release if applying without a support link

I'm just catching up, so didn't see your first question about the SYW (I wouldn't have known the answer anyway), but I agree about the card.

I got an offer that's good every month this year for $100/$200 back when you spend $1000/$2000 per month on gas, groceries and restaurants. Then, for 1/15/25 - 2/14/25 an offer for 250,000 points (worth $250 in gift cards/ prepaid visa) for spending $750 online. For whatever reason, if you use walmart pay instore at walmart, it codes as both grocery and online, so these offers stack. I'm going to get gift cards at walmart using walmart pay for $1000 by the end of this month and I'll get $350 back in gift cards/cash back, so basically 35% back. They don't always stack this good, but it lined up this month. I typically cash my points out for Amazon and I know they can find some discounts with credit card offers or when it's a bonus month on the freedom cards, so I don't count the points quite at a $250 value, but still an excellent deal!

 

[LynnTH]

UGGGHH! Can't seem to get approved for anything right now. Used to be approved instantly - now just getting denied.

Tried BOA Biz, Chase Ink and now Citi Strat Card. Not sure if I need to go through and start closing some cards to not have so much credit out there or maybe just lowering the credit limits (especially on the Marriott and IHG Cards - I just keep them for the FN Certificates)

Anyone else having this much trouble? Hate not having a SUB I am working on!!

Does it even matter to lower Credit Limits on Biz Cards?

 

[gottalovepluto]

I'm just catching up, so didn't see your first question about the SYW (I wouldn't have known the answer anyway), but I agree about the card.

I got an offer that's good every month this year for $100/$200 back when you spend $1000/$2000 per month on gas, groceries and restaurants. Then, for 1/15/25 - 2/14/25 an offer for 250,000 points (worth $250 in gift cards/ prepaid visa) for spending $750 online. For whatever reason, if you use walmart pay instore at walmart, it codes as both grocery and online, so these offers stack. I'm going to get gift cards at walmart using walmart pay for $1000 by the end of this month and I'll get $350 back in gift cards/cash back, so basically 35% back. They don't always stack this good, but it lined up this month. I typically cash my points out for Amazon and I know they can find some discounts with credit card offers or when it's a bonus month on the freedom cards, so I don't count the points quite at a $250 value, but still an excellent deal!

Ooh! Thanks for the Walmart Pay tip, that’s sweet!