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

[Twilghtsprkle]

I'm planning a direct DVC purchase toward the end of September so I can have my choice of the current incentives or the post 9/29 ones. I just got approved for the CSR Biz card (200K UR points for $30K spend), but my credit limit is only ~$25K. I assume it's easy to charge the first $25K, pay it down, then charge the rest, correct? Or does DVC need it done more cleanly than that? Anything else I should know about using credit cards for direct purchases?

I think DVC lets you break it up into 3 payments. I forget how far apart. But you will be fine.

 

[palhockeymomof2]

Starting 10/24/25…SW is offering free WiFi to all RR members

 

[lsutigers03]

Did you use the CIP Chase Travel $50 promo credit already?

Thank you so much for posting this. I had no clue about it. Earlier this week I sent an SM to Chase to close DW's CIP. So far she has received two responses saying the request will be forwarded to the proper department. I was annoyed as normally there is one response saying that the account has been closed. But the delay has worked out as I needed to book us a hotel anyway so you saved me $50.

 

[elgerber]

I literally just got an ink two weeks ago and already need another card. Auto/car insurance will wipe out the rest of the spend here. Property taxes coming up next month.
I know Amex has "lifetime" rules. If I can't find a NLL Delta card, any idea if 7 years is actually considered a lifetime? It's been 7 years since my last Delta Biz card. They would give me the pop up if it won't work right? Of course I have already been in pop up jail on all Amex cards for years.

Holy cow, this is insane!
I just got a NLL email from Delta Amex and was instant approved for Delta Gold biz with 90000 SUB!

 

[afan]

Holy cow, this is insane!
I just got a NLL email from Delta Amex and was instant approved for Delta Gold biz with 90000 SUB!

I got an offer for 80k personal gold, which isn't the card I would want. Plus I have 5 cc so they wouldn't approve me anyway.

Wish I'd known about the plat changes back when my dl biz gold af was due, I would have cancelled it and opened a slot so I could get a dl card with lounge access. Oh well, patience I suppose

 

[DoubleBaconBLT]

I think DVC lets you break it up into 3 payments. I forget how far apart. But you will be fine.

Ah, so ideally I can charge the first ~$25K, then pay it off that statement cycle, then just charge the second chunk the next statement cycle. Hopefully they give me long enough to pull that off without "credit cycling" within a single statement cycle.

 

[georgina]

Love living in a personal property tax state. Just got the bill for the car we bought in January. Almost $2000. I have never paid it by credit card before, off to find out what the fee is.* More MSR spending for me.

*it's 2.3%

 

[VGCgroupie]

I'm planning a direct DVC purchase toward the end of September so I can have my choice of the current incentives or the post 9/29 ones. I just got approved for the CSR Biz card (200K UR points for $30K spend), but my credit limit is only ~$25K. I assume it's easy to charge the first $25K, pay it down, then charge the rest, correct? Or does DVC need it done more cleanly than that? Anything else I should know about using credit cards for direct purchases?

You have 60 days (used to be 90) to make the final payment for DVC. It is not recommended to pay in advance of statement closing in order to charge more. But since you have 60 days to pay you may get a statement prior to needing to make your final payment to DVC.

 

[djmeredith]

I reviewed the Bonvoy points rules since I am trying to quickly amass enough points for a 2026 safari. I'm glad I did because my original plan was flawed. I will point out a few of the lesser known rules in case it might help someone else's planning.

Member can receive 500K transferred pts per year.
Member can purchase up to 150K pts per year (bonus pts during a bonus offer do not count)
Member can purchase an additional 100K pts per year while booking.
Member can purchase additional 100K max through the Points Multiplier (special offer after a stay.)
Member can participate in 2 transfer transactions max per month and up to 6 per year. (A transfer transaction is sending or receiving pts.)
Account must be open at least 30 days to purchase pts.
Account must be open 30 days with a qualifying stay/activity to transfer or 90 days without qualifying stay/activity.

This is not an exhaustive list, so be sure to read the full rules carefully before making plans to transfer/purchase pts.

 

[kmc8826]

I'm planning a direct DVC purchase toward the end of September so I can have my choice of the current incentives or the post 9/29 ones. I just got approved for the CSR Biz card (200K UR points for $30K spend), but my credit limit is only ~$25K. I assume it's easy to charge the first $25K, pay it down, then charge the rest, correct? Or does DVC need it done more cleanly than that? Anything else I should know about using credit cards for direct purchases?

As said above you can have 60 days to pay it all off. You also don’t need to put the whole charge on one card. You can use multiple cards.

 

[DoubleBaconBLT]

You have 60 days (used to be 90) to make the final payment for DVC. It is not recommended to pay in advance of statement closing in order to charge more. But since you have 60 days to pay you may get a statement prior to needing to make your final payment to DVC.

Ah fantastic - that's the key info I needed. I can just charge whatever during that first 30 days (as long as it's at least half of the contract price and less than my credit limit), then charge the rest in the next statement cycle. Perfect. Thank you so much for your help with this!