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

[georgina]

This morning I went out to buy some fee free gift cards.

My local Staples had a total of 7, 3 of which were torn open.

I took the 4 intact ones to the cashier and asked if they had any more in the little closet. Cashier goes to ask the manager who came out and said they were out. She also volunteered that there is a change in Maryland with regard to the Visa cards and they should be getting more in soon. She didn't know what was changing.

Meanwhile I had noticed that all Visas seemed to be missing from the carousel. There were plenty of Master Cards.

I asked, 'Is it just Maryland or is this change coming to Virginia also?' She didn't know anything about Virginia, 10 minutes away.

She also had the cashier toss the opened cards in the trash.

Later this week, I'll be near another Staples so I'll check there as I want a few more.

We drove up to the Finger Lakes today. Took my CIC along just in case. Stopped for lunch at a Panera near Harrisburg, there was a Staples in the same strip mall. Had plenty of them, but the store has a policy of only selling $1000 of gift cards at a time, so I got 5. Later we were looking for gas, and DH noticed there was a Sheetz and Staples near each other in Williamsport PA so I got another 1000.

 

[nlenguyen]

I am traveling tomorrow on an American Airlines flight that was booked through Qatar airways. It would not let me pay for the luggage through the check in process but I have an american airlines credit card. Do I have to call to get the luggage fees waived or is that done at the airline check in desk?

 

[CaliforniaGirl09]

Regarding the back-to-back booking of Amex Fine Resorts Hotels... I've done the linking thing too with two different cardholders, but recently, I was looking at doing it agin with DD26 (same last name) and I noticed language saying that you couldn't do this and wouldn't get the perks if caught. I thought they were trying to crack down on the practice, but maybe the language has always been there and I'm just noticing? Here's the language: "Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”)." I suspect it would be hard to implement with two separate bookings made with different cards--even with same last name--but I would be hesitant to link the reservations.

 

[afan]

I am traveling tomorrow on an American Airlines flight that was booked through Qatar airways. It would not let me pay for the luggage through the check in process but I have an american airlines credit card. Do I have to call to get the luggage fees waived or is that done at the airline check in desk?

You may need to speak with someone. If your AA mileage number isn't attached to the booking it may not pick up the bags free. Depending on who you get it'll work OK.

You don't have to pay for your flight with the card for AA bags to be free as long as you hold the card. But they need to know you have the card.

 

[wanderlust7]

Regarding the back-to-back booking of Amex Fine Resorts Hotels... I've done the linking thing too with two different cardholders, but recently, I was looking at doing it agin with DD26 (same last name) and I noticed language saying that you couldn't do this and wouldn't get the perks if caught. I thought they were trying to crack down on the practice, but maybe the language has always been there and I'm just noticing? Here's the language: "Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”)." I suspect it would be hard to implement with two separate bookings made with different cards--even with same last name--but I would be hesitant to link the reservations.

I think the language was added a few years ago. For something like $100 property credit, we've only gotten $100 not $200 with one night in my name and one night in DH's. I always tell them that we have separate reservations and want to stay in the same room, so I expect not to get it twice. The implementation probably differs with hotels though.

If you check into one room, checkout, then check in under a different person, that should work since they wouldn't know. @mmmears method of FHR / VX (or booked any other way) / FHR probably works too since it's over 24 hours.

 

[DogCat]

…sorry

 

[LilSweetPeaPhoto]

Okay so my denial was - Too many requests for credit or opened accounts with us and Insufficient business revenue. I have a business checking account I've had for 20+ years, and it's getting regular deposits from Amazon merch and Wyzant (tutoring). I spend on all my INKS. I just closed the CIU sadly on 10/10 and applied on 10/13 from an email link I got before the 10/13 exp that was in the email. I have 1 CIC and 1 CIP still. I'm going to close the CIP now that my att credit posted. So is this just a case of trying again too soon? I haven't had an INK since 8/24, that was the CIP when I got it. I was still using my "photography" business to apply, that is what my business checking is, but I haven't done photography in years, LOL. I've wanted to switch up getting cards for my tutoring instead, but I didn't know how to do that. Also my income has increased from $95k to like $120ish, so I did put the new income in.

I haven't had a spend in MONTHS! And I have hockey coming up soon so I want to have a card for that ASAP, LOL. UGH. How long till I try again?

 

[palhockeymomof2]

Okay so my denial was - Too many requests for credit or opened accounts with us and Insufficient business revenue. I have a business checking account I've had for 20+ years, and it's getting regular deposits from Amazon merch and Wyzant (tutoring). I spend on all my INKS. I just closed the CIU sadly on 10/10 and applied on 10/13 from an email link I got before the 10/13 exp that was in the email. I have 1 CIC and 1 CIP still. I'm going to close the CIP now that my att credit posted. So is this just a case of trying again too soon? I haven't had an INK since 8/24, that was the CIP when I got it. I was still using my "photography" business to apply, that is what my business checking is, but I haven't done photography in years, LOL. I've wanted to switch up getting cards for my tutoring instead, but I didn't know how to do that. Also my income has increased from $95k to like $120ish, so I did put the new income in.

I haven't had a spend in MONTHS! And I have hockey coming up soon so I want to have a card for that ASAP, LOL. UGH. How long till I try again?

I’ve had that denial as well, how is your income vs total Chase credit limits personal and business ?
If you are closing a business card now I’d wait at least 2 weeks to apply for a new one.

 

[Duckbug.Ducktales]

I’ve had that denial as well, how is your income vs total Chase credit limits personal and business ?
If you are closing a business card now I’d wait at least 2 weeks to apply for a new one.

Hm, 2 weeks? I just closed DH's CIC from last year this morning. He still has another plus a United Biz card. I'm hoping he can get approved for the SW Biz Performance on Oct 26 (elevated offer expires on the 27th), but that's only a week and a half from now!

 

[wanderlust7]

Okay so my denial was - Too many requests for credit or opened accounts with us and Insufficient business revenue. I have a business checking account I've had for 20+ years, and it's getting regular deposits from Amazon merch and Wyzant (tutoring). I spend on all my INKS. I just closed the CIU sadly on 10/10 and applied on 10/13 from an email link I got before the 10/13 exp that was in the email. I have 1 CIC and 1 CIP still. I'm going to close the CIP now that my att credit posted. So is this just a case of trying again too soon? I haven't had an INK since 8/24, that was the CIP when I got it. I was still using my "photography" business to apply, that is what my business checking is, but I haven't done photography in years, LOL. I've wanted to switch up getting cards for my tutoring instead, but I didn't know how to do that. Also my income has increased from $95k to like $120ish, so I did put the new income in.

I haven't had a spend in MONTHS! And I have hockey coming up soon so I want to have a card for that ASAP, LOL. UGH. How long till I try again?

You need to wait 30 days from the app to try again.

The 90k bonus hasn't ended. I'm reading from DoC comments that maybe the e-mail puts a date 5 days from the date of the e-mail.

 

[becauseimnew]

Hello everyone! I know this has been discussed a lot. But DH and I want to go to diving in Mexico for our anniversary next spring. AA has 2 RT flight for 40K miles to Tulum for the dates we want, can also fly SW for 34K miles to Cancun.

Thinking of taking advantage of all the Hilton GCs we have, plus the one FNC and upgrading DH's Surpass plus the 200K points we have. But any recommendations Tulum/Cozumel, doesn't have to be AI.

 

[Judique]

Chase IHG offer - 10 % off groceries up to $7 (at real grocery stores only)
Chase IHG food lion offer -7% off up to $7

Will they both pay and could I get a gift card? $100 GC for $14 back maybe.

Haven't shopped at Food Lion in years so don't know if they carry Disney Gift cards.

Meanwhile I have a $5 of $50 at Safeway on their rewards program. That's a 2 min drive. Food Lion - 15 min.

 

[Duckbug.Ducktales]

Chase IHG offer - 10 % off groceries up to $7 (at real grocery stores only)
Chase IHG food lion offer -7% off up to $7

Will they both pay and could I get a gift card? $100 GC for $14 back maybe.

Haven't shopped at Food Lion in years so don't know if they carry Disney Gift cards.

Meanwhile I have a $5 of $50 at Safeway on their rewards program. That's a 2 min drive. Food Lion - 15 min.

My local Food Lion doesn't carry DGCs, or really much in the way of GCs. I go often to get Money Orders. But YMMV

 

[LilSweetPeaPhoto]

I’ve had that denial as well, how is your income vs total Chase credit limits personal and business ?
If you are closing a business card now I’d wait at least 2 weeks to apply for a new one.

I think I'm still way under 50% but I'll go look. I closed my CIU on 10/10, but then applied on 10/13. I'm going to close my CIP probably this week.

Hello everyone! I know this has been discussed a lot. But DH and I want to go to diving in Mexico for our anniversary next spring. AA has 2 RT flight for 40K miles to Tulum for the dates we want, can also fly SW for 34K miles to Cancun.

Thinking of taking advantage of all the Hilton GCs we have, plus the one FNC and upgrading DH's Surpass plus the 200K points we have. But any recommendations Tulum/Cozumel, doesn't have to be AI.

I swear I feel like we're always going to Cancun, LOL. Though I don't think we'v gone once this year! I'm so sad the Hilton PDC is now Hyatt. That was our fav FNC use for Hilton. We haven't tried the other AIs yet as we're not keen on them not having an adult only component. We've done Moxche, PDC, Royalton, Planet Hollywood, and I took the kids to Dream PM. So Mexico has become Hyatt or Marriott for us, LOL.

 

[eticketplease]

Chase IHG offer - 10 % off groceries up to $7 (at real grocery stores only)
Chase IHG food lion offer -7% off up to $7

Will they both pay and could I get a gift card? $100 GC for $14 back maybe.

Haven't shopped at Food Lion in years so don't know if they carry Disney Gift cards.

Meanwhile I have a $5 of $50 at Safeway on their rewards program. That's a 2 min drive. Food Lion - 15 min.

You had me intrigued with "real grocery stores" although now that I think about it I suppose you just meant not the usual suspects like Target/Walmart.

Anyways my IHG I was not so lucky but had any gas station for 5% back on up to $3.50 back so same $70 spend.

 

[palhockeymomof2]

Hm, 2 weeks? I just closed DH's CIC from last year this morning. He still has another plus a United Biz card. I'm hoping he can get approved for the SW Biz Performance on Oct 26 (elevated offer expires on the 27th), but that's only a week and a half from now!

I’m sure it will be fine, I just give myself 2 weeks between the Ink cards and make sure they have a balance before applying

 

[Judique]

You had me intrigued with "real grocery stores" although now that I think about it I suppose you just meant not the usual suspects like Target/Walmart.

Anyways my IHG I was not so lucky but had any gas station for 5% back on up to $3.50 back so same $70 spend.

No big box stores, etc, no convenience stores, no target, no walmart.

Last week I got several 10% off at Exxon but haven't made it there yet to see what they have, and one is walking distance.

 

[havaneselover]

My local Food Lion doesn't carry DGCs, or really much in the way of GCs. I go often to get Money Orders. But YMMV

Can you use visa gift cards to buy money orders at FL? I gave up a few years ago but maybe I should try again,

 

[LaDonna]

Hi all. Puhlease excuse my baby questions I’m so new to all this Chase travel stuff and normally when I look thru the portal the prices are higher on hotels but I stumbled across this for Cabana Bay today
Am I reading right? That it would cost just over 1,000 but when using my points and the boost currently available converted only $623?
Are boosts random? Should I book asap?
What happens if I cancel….i think I read correctly I’ll get my points back?

 

[mmmears]

I think the language was added a few years ago. For something like $100 property credit, we've only gotten $100 not $200 with one night in my name and one night in DH's. I always tell them that we have separate reservations and want to stay in the same room, so I expect not to get it twice. The implementation probably differs with hotels though.

If you check into one room, checkout, then check in under a different person, that should work since they wouldn't know. @mmmears method of FHR / VX (or booked any other way) / FHR probably works too since it's over 24 hours.

It does sound like putting the VX room in the middle was a good idea, but I'd by lying if I said that I did this because I knew about losing the $100 credit. I will say that we did the same thing last year, but only for 2 consecutive days using FHR and we did get the credits. Of course YMMV. I guess I'll have to be more careful going forward.