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

@LilSweetPeaPhoto and @Crazed4DisneyinSC I feel you as well. When the episodes happen, it's very hard to talk and get through. My mom who lives in FL suffers from paranoia caused by years of emotional abuse from my father. She's fine during her lucid moments, although she's never completely free of fear. I'm the family member in most constant contact with her despite living in NC and attend all her psychiatry appointments on the phone. But when she's having an episode about the ethereal "they" that she believes are after her, it's very tough to talk to her and gauge how she's doing. Just had a very rough weekend as she adjusts to an increase in her antipsychotic medication, I even had to call for a police wellness check once because she wasn't answering her phone all day. Sigh... I'm thinking of bringing her to stay with me for a few weeks until the psychiatrist gets to the right dosage and she's more stable because it's too hard to do this from afar, and despite three years of very difficult moments, my father still "doesn't believe in mental illness" 🙄😡

But thanks for sharing, it's good to read my family isn't alone in the struggle!
 
Chase is so slow to refund urs. I canceled a cruise 3/8. I’m hoping the 300k urs will finally be refunded tomorrow but it may not be until Sunday. Going to take them and have Chase take over my princess reservation for Canada/New England and pay the balance. Just don’t get why they sit on the points for so long.
 
DSIL applied for the CSP using my link and did not get instant approval. She has 2 Chase biz cards and zero personal Chase. I feel she should and will be approved as she is 2/24, high income, and good credit. Since she only has Chase biz cards, I don't think the CSP would automatically show up in her app like it would for me. If that's the case, is there any other way she can find out if she gets approved or check the status? I know in the past there was a phone number you could call but I don't know if that's still a thing anymore.
 

She can call:

If you apply for a credit card with Chase, we may provide important updates until we make a decision on your application. If you urgently need an update, please refer to any communications we've sent or call us at 1-888-338-2586. You can also call this number to check a Chase business credit card application status.
 
She can call:

If you apply for a credit card with Chase, we may provide important updates until we make a decision on your application. If you urgently need an update, please refer to any communications we've sent or call us at 1-888-338-2586. You can also call this number to check a Chase business credit card application status.
But it's not a status line, she'd have to speak to someone, right? If she doesn't want to call, will Chase update her via email? Could she use SM on her App (even though it only has biz cards so far)?
 
@LilSweetPeaPhoto I feel for you! Mental illnesses can be so tough. I have family members who also struggle really bad, and their care often falls to me, or I'm the one contacted during "episodes" to step in. Sending hugs :hug: stay strong!

@LilSweetPeaPhoto and @Crazed4DisneyinSC I feel you as well. When the episodes happen, it's very hard to talk and get through. My mom who lives in FL suffers from paranoia caused by years of emotional abuse from my father. She's fine during her lucid moments, although she's never completely free of fear. I'm the family member in most constant contact with her despite living in NC and attend all her psychiatry appointments on the phone. But when she's having an episode about the ethereal "they" that she believes are after her, it's very tough to talk to her and gauge how she's doing. Just had a very rough weekend as she adjusts to an increase in her antipsychotic medication, I even had to call for a police wellness check once because she wasn't answering her phone all day. Sigh... I'm thinking of bringing her to stay with me for a few weeks until the psychiatrist gets to the right dosage and she's more stable because it's too hard to do this from afar, and despite three years of very difficult moments, my father still "doesn't believe in mental illness" 🙄😡

But thanks for sharing, it's good to read my family isn't alone in the struggle!

I'd never wish this on my worst enemies! And you feel like you're an island because no one ever shares the bad. But I'm the person on girl's night who just blurt out, oh both my kids have attempted, when everyone is sharing their kid's college acceptances, or internships, etc. I'm not hiding who I am or what I deal with to those when in person (I don't normally blast them on SM, this excluded). Their dad doesnt' buy into any of it. And was refusing to pay 1/2 of any bills. Until I told him I should be getting $3k more for child support period (minus the bills) AND he's obligated to our 15yo's bills. He is the root of almost all their problems. My BF has been amazing and support me emotionally and financially through this all, when I had to take off work and wasn't getting paid, etc. My mom took a long time to see the issues as well. A year ago she allowed my daughter to move in with her (a mile from me) thinking she could "fix it". Now she understands! But she's also battling cancer again. So at one point in the fall I was taking care of her (her cancer meds were so bad, she got admitted to the hospital), my daughter was spiraling because of my mom, and my son was spiraling because of his dad. He decided at the end of summer to live w/ me 24/7. If it wasn't for my BF, I wouldn't have made it out.

So I try to give my kids what I can, when I can. I got to take DS to the Frozen 4, which was a good memory. I will get to take my DD somewhere, when she's ready. Until then, my BF and I "escape" as often as we can. But we never truly escape. We had to come back early from Mexico in Sept, when my daughter got in a car accident as soon as we landed and then my son got drunk and in a BAD place mentally as well. Our next escape was Cabo, where I had the flu, LOL. So here's hoping Vegas goes off w/o incidents!

ETA: Thanks to all of this, I do get to hit my deductible in Jan and work on several SUB, LOL. Gotta find the silver lining right? Like when I opened the Amex Gold Biz in the funeral home planning my dad's service, LOL.
 
Chase is so slow to refund urs. I canceled a cruise 3/8. I’m hoping the 300k urs will finally be refunded tomorrow but it may not be until Sunday. Going to take them and have Chase take over my princess reservation for Canada/New England and pay the balance. Just don’t get why they sit on the points for so long.
Wow that’s crazy, when I cancel a hotel booked with URs they immediately go back into my account
 
Wow that’s crazy, when I cancel a hotel booked with URs they immediately go back into my account
It may only be cruises that take a minimum of two billing cycles. So irritating. And I think princess may have canceled my 50th birthday cruise and I’m going to be super annoyed if I have to wait two months to rebook.
 
But it's not a status line, she'd have to speak to someone, right? If she doesn't want to call, will Chase update her via email? Could she use SM on her App (even though it only has biz cards so far)?
I think there is an auto attendant where you can input some info and it will give a status update w/o speaking to anyone. But it has been a while since I've called so I can't be certain. I'd try calling first.
 
I think there is an auto attendant where you can input some info and it will give a status update w/o speaking to anyone. But it has been a while since I've called so I can't be certain. I'd try calling first.
Thanks! She has an aversion to talking to someone but I will give her the number and tell her to at least give it a try. She can always hang up.
 
Thanks! She has an aversion to talking to someone but I will give her the number and tell her to at least give it a try. She can always hang up.
My DD applied for the CSP and I think this is the number she called. "To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117" It was an automated line, so no talking to anyone.
 
Well, it's time to replace the upstairs HVAC to the tune of $11,500. :crazy2: Good news is that they take credit cards including Amex.

Now, I am scrambling to sign up for a new card and the related anxiety that comes with not knowing if we will be approved or not and the time constraints that we can't start the process of getting into their work schedule without paying the 50% deposit and we can't do that without a new card approved and on hand.

Lead time for installation is about 3-4 weeks. We were hoping to list the house for sale in the beginning of June when the pool was open. The AC replacement needs to be done before listing. Who wants to buy a house with no working upstairs AC when it is hot and humid?

I'm thinking for such a large expenditure, I should apply for either a Chase Ink or try for a biz AMEX? PP2 (DH) just finished the SUB for Gold Biz Amex. Maybe he should try for a Amex Plat? I was in pop up jail...:sad:

Any cards I am missing? We both have Sapphires and are not eligible for a new one yet. DD24 just got the CSP and just finished the SUB for that as well.

TIA!
 
Well, it's time to replace the upstairs HVAC to the tune of $11,500. :crazy2: Good news is that they take credit cards including Amex.

Now, I am scrambling to sign up for a new card and the related anxiety that comes with not knowing if we will be approved or not and the time constraints that we can't start the process of getting into their work schedule without paying the 50% deposit and we can't do that without a new card approved and on hand.

Lead time for installation is about 3-4 weeks. We were hoping to list the house for sale in the beginning of June when the pool was open. The AC replacement needs to be done before listing. Who wants to buy a house with no working upstairs AC when it is hot and humid?

I'm thinking for such a large expenditure, I should apply for either a Chase Ink or try for a biz AMEX? PP2 (DH) just finished the SUB for Gold Biz Amex. Maybe he should try for a Amex Plat? I was in pop up jail...:sad:

Any cards I am missing? We both have Sapphires and are not eligible for a new one yet. DD24 just got the CSP and just finished the SUB for that as well.

TIA!

DP: we looked around and couldn't find a card with high MSR besides the Amex. Couldn't get the 250k offer for the Amex Biz Plat to show. So, PP2 (DH) applied on the link in his log in for 200k for $20k/3mths plus $500 back on $2500 airfare spend. Instant approval. Card to be received on 5/9. No online card access in advance.

How to take advantage of the airfare credit w/o flying this year?
 
Just got an email from Chase regarding having 10 of my friends app for a CSP using my referral.

States last day for application is May 12, 2025. Guess that's solid.

Was hoping for my son to app but he is buying a house and it doesn't close until May 29.
 
DP: we looked around and couldn't find a card with high MSR besides the Amex. Couldn't get the 250k offer for the Amex Biz Plat to show. So, PP2 (DH) applied on the link in his log in for 200k for $20k/3mths plus $500 back on $2500 airfare spend. Instant approval. Card to be received on 5/9. No online card access in advance.

How to take advantage of the airfare credit w/o flying this year?
For high MSR cards, you could always look at Capital One's Spark Cash Plus or Venture X Business. The downside, I assume (I haven't applied for a C1 business card) is that they will pull all 3 bureaus and can be tougher to get approved for, plus the Venture X Business may report for 5/24 purposes (I believe the Spark line is exempt). For the Amex Biz Plat airline credit, if you ever fly United, funding the Travel Bank will trigger the credit (I do 2x $100) and is good for up to 4 years.
 
Marriott Bonvoy has launched a giveaway for their 1 millionth hotel room, with 10 prizes - 8 2 night stays + $300 for taxes, 1 prize for each participating property; 1 45k points for 2nd place (ARV $562.50); and 1 25k points for 3rd place ($312.50). Plus an entry into the sweepstakes for the 1,000,000 Marriott Bonvoy points and a 5-day/4-night trip for two to D.C. grand prize.

https://www.marriottbonvoyroulette.com/

When I saw the Loyalty Lobby headline "Marriott Bonvoy Travel Roulette" pop-up in my feed I honestly thought it would be a piece about the haphazard state of program and evidently so did LL:
When I saw the headline of the release, I thought that Bonvoy members could spin a wheel at a property to see what elite benefits are provided and honored on that specific stay.

That's great brand recognition when that's the first thing that springs to mind! Also love the delusion that Bonvoy points are worth 1.25 cpp. Somehow they've gone up since the last time I looked at a points prize when they valued it at a more reasonable 0.9 cpp. I haven't found better than 1 cpp in a while. (At least they claim to not send 1099s for the 2nd & 3rd place points prizes.)

Not surprisingly I did not instant win one of the prizes. But worth a shot!
 
Well, it's time to replace the upstairs HVAC to the tune of $11,500. :crazy2: Good news is that they take credit cards including Amex.

Now, I am scrambling to sign up for a new card and the related anxiety that comes with not knowing if we will be approved or not and the time constraints that we can't start the process of getting into their work schedule without paying the 50% deposit and we can't do that without a new card approved and on hand.

Lead time for installation is about 3-4 weeks. We were hoping to list the house for sale in the beginning of June when the pool was open. The AC replacement needs to be done before listing. Who wants to buy a house with no working upstairs AC when it is hot and humid?

I'm thinking for such a large expenditure, I should apply for either a Chase Ink or try for a biz AMEX? PP2 (DH) just finished the SUB for Gold Biz Amex. Maybe he should try for a Amex Plat? I was in pop up jail...:sad:

Any cards I am missing? We both have Sapphires and are not eligible for a new one yet. DD24 just got the CSP and just finished the SUB for that as well.

TIA!
Usually when I apply for Chase business cards the CL isn’t that high, others experiences may be different, so unless you have another Chase business card to transfer CL you may not be able to put the entire amount on it.
 
For Lyft users there is a targeted offer in the app if you buy a gift card ofc I was not targeted. YMMV.
 














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