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

[Judique]

Using multiple GC is always tricky! I love that Costco will refund an item on any Visa credit card I choose, even though I used the Visa GC to pay

I always ask them to put the cash on a shop card. I found that both chase and my NF flagship were taking back rewards with returns, depending on what the card earned.

 

[VGCgroupie]

I always ask them to put the cash on a shop card. I found that both chase and my NF flagship were taking back rewards with returns, depending on what the card earned.

Smart!

 

[eticketplease]

I always ask them to put the cash on a shop card. I found that both chase and my NF flagship were taking back rewards with returns, depending on what the card earned.

Isn’t that all cards work though? If a return is credited to that card you would lose the points/miles/cash.

It is nice to get the shop card at Costco but next time as @georgina pointed out they will let you return to any Visa card. Try whipping out your debit card next time and the money will refund to your checking account instead and you are not forced to spend it at Costco (not that is going to be a problem for any of us lol)

 

[DogCat]

Isn’t that all cards work though? If a return is credited to that card you would lose the points/miles/cash.

It is nice to get the shop card at Costco but next time as @georgina pointed out they will let you return to any Visa card. Try whipping out your debit card next time and the money will refund to your checking account instead and you are not forced to spend it at Costco (not that is going to be a problem for any of us lol)

I never thought of that. I am definitely going to try my debit card next time.

 

[SleepyatDVC]

Hi Disers!

Anyone utilize the $500 credit on The Edit Hotel stays on their CSR yet? I think it is $250 bi-annually? And it is available on both the personal CSR and the BizCSR?

So, we are looking at staying at an Edit Hotel in Edinburgh and trying to see how to use the $250 credit on P2's CSR and $250 on my bizCSR...

ETA: We will be staying 4 consecutive nights (then 2 nights on a Rabbie tour) and then 1 night afterwards before leaving for London. I read that you must stay 2 consecutive nights for the Edit $250 credit to be triggered. I wonder if I can reserve 2 nights under P2's CSR and then 2 nights with my bizCSR and then ask to have the room reservations linked at check in? One of the "benefits" are room upgrades if available. Not sure how separating the stay into 2 reservations under different names will affect the chances of that.

ETA: The Edit credit ($250 b4 12/31/25) is available on my BizCSR now but apparently won't be available on P2's CSR until 10/26/25.

 

[eticketplease]

Hi Disers!

Anyone utilize the $500 credit on The Edit Hotel stays on their CSR yet? I think it is $250 bi-annually? And it is available on both the personal CSR and the BizCSR?

So, we are looking at staying at an Edit Hotel in Edinburgh and trying to see how to use the $250 credit on P2's CSR and $250 on my bizCSR...

ETA: We will be staying 4 consecutive nights (then 2 nights on a Rabbie tour) and then 1 night afterwards before leaving for London. I read that you must stay 2 consecutive nights for the Edit $250 credit to be triggered. I wonder if I can reserve 2 nights under P2's CSR and then 2 nights with my bizCSR and then ask to have the room reservations linked at check in? One of the "benefits" are room upgrades if available. Not sure how separating the stay into 2 reservations under different names will affect the chances of that.

ETA: The Edit credit ($250 b4 12/31/25) is available on my BizCSR now but apparently won't be available on P2's CSR until 10/26/25.

I haven’t used mine yet as mine is not active yet like your P2. Remember even though the cards are in different names does not mean that you can’t make the first two nights in your name with card 1 and then the next two nights in your name with Card 2.

Most of these edit properties that I have played around with are boosted to the 2 cents per point. What I think I will be doing is booking the 2 nights and lowering the amount of points until it shows I owe just over $250. This way I’ll get the 2 cents per point for the points and then the $250 credit as well.

 

[Judique]

Isn’t that all cards work though? If a return is credited to that card you would lose the points/miles/cash.

It is nice to get the shop card at Costco but next time as @georgina pointed out they will let you return to any Visa card. Try whipping out your debit card next time and the money will refund to your checking account instead and you are not forced to spend it at Costco (not that is going to be a problem for any of us lol)

Umm, other than a Visa gift card debit, I've never possessed a debit card linked to my checking.

Debit cards do not possess the same level of protections that your accounts possess or that credit cards possess.

Instead most give you pointers on how 'you' can prevent fraud.

 

[eticketplease]

Umm, other than a Visa gift card debit, I've never possessed a debit card linked to my checking.

Debit cards do not possess the same level of protections that your accounts possess or that credit cards possess.

Instead most give you pointers on how 'you' can prevent fraud.

No they don’t give you the same purchase protections and after the frank dodd act (probably said that wrong) most debit cards don’t issue rewards either.

I purchase everything with a CC but if a company is going to allow me to swipe any card to put a refund on that is when I use my debit card so I don’t have to lose any rewards. Other than that and the rare occasion for cash it would just stay at home.

 

[eticketplease]

I've never possessed a debit card linked to my checking.

Was this a special ask of the bank? Since the late 90’s most banks started issuing ATM cards with a Visa or MC logo on it. The banks realized they could start collecting the interchange fees and there was a whole marketing blitz about the “Visa Check Card” and “MasterMoney card”.