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

[DrFacilier]

Well, I figured out I was at 90 days so I just applied for the CIP and got the popup. Womp womp.

 

[reliev]

Well, I figured out I was at 90 days so I just applied for the CIP and got the popup. Womp womp.

From what I've read, the old rules are out the window with Chase for the most part, the pop-up will slow down the sign-ups.

 

[NewbieMom]

Quoting myself. Just got my missing support points!

After I replied back, the response was the info I needed to provide (name, e-mail or phone, last 4 of approved card, and full address). It took 10 days after I replied to that.

Just sent the SM for DH. Made sure to write that I know the link was used, it was approved, and it's been more than 8 weeks. Plus the info they asked for last time. Hoping it only takes 1 SM but guess we'll see!

Thanks for the info! Just sent my SM off. Fingers crossed!

 

[DrFacilier]

From what I've read, the old rules are out the window with Chase for the most part, the pop-up will slow down the sign-ups.

Hopefully they slow down more than Chase would like them too and they loosen things up again. Who knows? One can dream. I guess I’m onto figuring out the Amex ecosystem.

 

[reliev]

Hopefully they slow down more than Chase would like them too and they loosen things up again. Who knows? One can dream. I guess I’m onto figuring out the Amex ecosystem.

As much as I hate to type this, others will follow. I wouldnt be shocked to see it with everyone within the next 2 years every big bank adapt to this. The SUB might be something we talk about with non cc friends. I'm assuming that the system, whatever they mimic from each other, outweighs the calls/requests that come in, but who knows, your guess is as good as mine.

 

[DogCat]

Question for people who fly United. Is it normal for the flight confirmation to squish your First and Middle name together as in Janemarie Smith - instead of Jane Marie Smith? The name is correct in the MileagePlus account but the squished name is on the confirmation email?

 

[reliev]

Question for people who fly United. Is it normal for the flight confirmation to squish your First and Middle name together as in Janemarie Smith - instead of Jane Marie Smith? The name is correct in the MileagePlus account but the squished name is on the confirmation email?

i have a long name deltasmashesitlikethis all the time,

 

[elgerber]

i have a long name deltasmashesitlikethis all the time,

I have had that with Delta also.

 

[DogCat]

Thanks!! If I have a seat in the last row, does that have any bearing on when I board? United is offering me “Free Checked Carry ON” because my flight is full. Should I do this or no?

Update - ChatGPT said I’d probably be seated last and advised to check my carryon so I did. Who knows if that is correct or not LOL

 

[FreeDiningFanatic]

Just sharing that I ordered physical Lululemon gcs from their website Dec 10 (2 accounts). Cards were delivered fast, in about 3 days. As of today, 12/16, Amex credits have posted on both accounts.

 

[FreeDiningFanatic]

Quoting myself. Just got my missing support points!

After I replied back, the response was the info I needed to provide (name, e-mail or phone, last 4 of approved card, and full address). It took 10 days after I replied to that.

Just sent the SM for DH. Made sure to write that I know the link was used, it was approved, and it's been more than 8 weeks. Plus the info they asked for last time. Hoping it only takes 1 SM but guess we'll see!

Thanks for this. This fueled me to send an SM for mine, so we'll see what happens.

 

[becauseimnew]

Hi everyone! We are back from Italy - had a wonderful time, it was my parents first time to Europe and they loved it, mom didn't want to leave. I love traveling outside North America over Thanksgiving break, no crowds and less expensive. I booked 9 nights, 3 hotel room for 230,000 URs, average was $127/night per room. Already trying to figure out where we'll go for Thanksgiving 2027 (going to skip next year since our summer trip to Norway will eat up a big chunk of our travel budget).

Credit card question, DD1 just turned 18, she graduates in May and has a one-way flight to Europe booked for the week after she graduates. She's planning on spending the summer backpacking in Europe, we'll book her return flight in the summer. Any experience with applying for BOA Travel Rewards for Students? DD has a part-time job, we are planning to pay for her expenses but want to get her started with her own card that has no AF an no FTF. Any other cards we should consider that meet those 2 requirements?

 

[hsmamato2]

so I was looking over my spring JEtblue flight and realized there was a time change of 1 hour 10 minutes later departing. Not a huge deal, but do they offer free change on same day like SWA does? I didn't even get notified... ( I am trying JB this year,and so far 100% unimpressed with their websites,policies etc)

 

[Twilghtsprkle]

so I was looking over my spring JEtblue flight and realized there was a time change of 1 hour 10 minutes later departing. Not a huge deal, but do they offer free change on same day like SWA does? I didn't even get notified... ( I am trying JB this year,and so far 100% unimpressed with their websites,policies etc)

Pretty sure the change has to be over 3 hours for JetBlue.

 

[elgerber]

Thanks for this. This fueled me to send an SM for mine, so we'll see what happens.

I got mine from the SM I sent, this morning. Finally!

 

[LilSweetPeaPhoto]

Back from ZBB at the sphere. We ended up using our Dec tickets because I couldn't sell them. I'm hoping our Jan can sell! It was a good show. Far from the satanic cult that everyone is saying. And I got to see Jimmy....Zac did Knee Deep and filled the sphere w/ videos of Jimmy over the years. Made my heart happy, LOL.

I got to use my Hilton FNC. We flew in Thursday night. BF had an offer for Vdara for $29 so we used that. They upgraded us to the biggest suite. I stayed there last month for the New Kids concert and had a regular room but upgraded to a sphere view. We got a 2 bedroom (3 bathroom) suite for this stay. I'm going to miss MGM Gold when we finally lose it in Jan. Then Fri night I used my FNC at WA. Saturday I scored the employee rate for $90. "Team Members" also get 50% off food. So we used that $50 F&B credit and the 50% off to have breakfast and dinner, LOL. I'll say the WA Vegas isn't worth the FNC. I only used it because it was expiring on Sunday. At this point, in recent years, I've stayed at WA, MGM, Vdara, Bellagio, Palazzo (my fav), Wynn, and Resorts World Hilton and Conrad (oh and the Westin and Renaissance). Other than the strip location of the WA, it's not worth it. Resorts World IMHO is better use of Hilton points/stay/etc. But my fav is Palazzo! We always get a car, and it was annoying having to park at Aria/Cosmo and walk to the WA each time.

Oh and my son shocked me last week by going back to hockey. The team will take CC payments. I was going to set up my Hilton Surpass our first bill will be in Jan, but they don't take Amex. So I guess I need to figure out a Visa card to get, LOL.

Reading through the thread, seems like the Ink train is dead for SSN/sole prop (after 12/1). Very sad.

EIN working? Or no? I've never bothered to get one. I've been using my SSN for my photography business for years, I have a DBA and a business account w/ Chase since 2006. But I don't really do photography anymore. I'm thinking I need to pivot my "business" to tutoring, which I've been doing all year.

Anyone have a good side hustle for making extra cash? DD just got into her first choice college. Yay! The tuition is insane! Boo!

Side biz? I feel like I've been nothing but side gigs since retiring, LOL. Tutoring has been pretty lucrative for me. I had to raise my rates to $100/hr because I was getting too many inquiries. I've been selling on eBay as well w/ some luck. But the big one has been FB marketplace. We just have so much crap! I think I made $1600 in the garage sale this summer. And then started having my daughter list on FB marketplace. She seems to have better luck than I do. I have an Amazon Merch store that makes like $20/mo here and there selling tshirts I've designed. Oh and I have coloring books I've made on Amazon too, LOL.

Popups for chase biz cards, no surprise there.

Tried the venture x pre-approval since I have had balances report due to all the gc deals lately. Still not approved but the reason was too many new cards in the last 24 and too many open cards overall, both for my income. Also something about loans, which I paid my student loan off last year and my mortgage a few years ago but both should still be hanging out as paid.

I only have 4 new personal cards in the last 2 years but I do have 2 cards I can cancel because I don't need them.

Though if I'm going to have to start using my cards due to lack of subs, maybe I should keep the citi custom cash to go with the strata. I could use it for groceries for the 5% each month. Or do I use the Surpass for most everything to try and get a fnc next year.

I have 5 amex cc so until I cancel one I'm stuck there. My last citi aa card hasn't passed the 2 years yet. I may try Alaska biz but I don't know.

Your saga sounds like mine. Isn't AA 48 months not 24? I'm all about getting that FNC w/ Hilton. So that's normally my goal. I think this year is the first year I've actually done with with all spending (vs buying GCs here and there). I need to find another card for spending ASAP myself. I've debated the strata but I just don't know if I can get the use out of it. I guess w a/ triple dip I could.

I have had that with Delta also.

I have to laugh. Because for me Delta has my name correct. But for the BF, who is the employee, they have it wrong, LOL. He's even explained numerous times. So all his tickets, and all his work stuff says JasonAndrew. Like it doesn't even put the space between them, LOL.

 

[wanderlust7]

EIN working? Or no? I've never bothered to get one.

EIN for sole prop doesn't seem to make a difference. Other business structures like LLC seem to get past the pop-up.

 

[IFlossU]

Hi everyone! We are back from Italy - had a wonderful time, it was my parents first time to Europe and they loved it, mom didn't want to leave. I love traveling outside North America over Thanksgiving break, no crowds and less expensive. I booked 9 nights, 3 hotel room for 230,000 URs, average was $127/night per room. Already trying to figure out where we'll go for Thanksgiving 2027 (going to skip next year since our summer trip to Norway will eat up a big chunk of our travel budget).

Credit card question, DD1 just turned 18, she graduates in May and has a one-way flight to Europe booked for the week after she graduates. She's planning on spending the summer backpacking in Europe, we'll book her return flight in the summer. Any experience with applying for BOA Travel Rewards for Students? DD has a part-time job, we are planning to pay for her expenses but want to get her started with her own card that has no AF an no FTF. Any other cards we should consider that meet those 2 requirements?

My DS also recently turned 18, and will graduate HS in May. He’s been an AU on our Amex cards since 2020, and already has an Experian credit score of over 750. With that being said he was approved for the Discover IT Student card. It did require him to have proof of college acceptance prior to approval. I know Discover isn’t universally accepted, but it’s an option.

I tried pre-approval tools for CITI and Cap One with no luck. He was declined for a Double Cash. He does have a part time job, which I used as his income. I think he’s going to need a longer age of credit before getting those cards.

Surprisingly he was approved for an Amex Gold card this weekend. Which showed up as pre-approved in his AU login account. I think because he’s been an AU for 5yrs this made approval easier. Honestly I was surprised though.

He’s also had a checking account with B of A for 5 years, and has received pre-approval offers from them. You may have luck with whatever bank she uses.

All this to say you may want to create an Experian account for her, and see where her credit score is at. From there maybe try each banks pre-approval. I was afraid to just start applying, and put a ton of inquiries on his account right off the bat.

 

[reliev]

It looks like Chase canceled the 1.5x on all travel; now it's only the bonus travel. I bet the Chase Sapphire is next. I really wonder what Bilt will have in store besides Hyatt. I don't know why I am holding onto Chase cards.

 

[GZanta77]

Hi everyone! We are back from Italy - had a wonderful time, it was my parents first time to Europe and they loved it, mom didn't want to leave. I love traveling outside North America over Thanksgiving break, no crowds and less expensive.

So true - we were looking at going to Puerto Rico or Aruba this Thanksgiving. We ended up going to Qatar for the Formula 1 Grand Prix Thanksgiving weekend - yep cheaper to go half way around the world. Had a great time (DD is a F1 nut) and got upgraded to a huge suite at the Andaz Doha.