I love credit cards so much!

[thevalley]

I was wondering if there was a place here or on our other site that explained how to post our own links.

I’ve used a few peoples on this site and I now have some referral of my own and thought what the heck let’s try and see what happens.

Thanks

 

[wendow]

But with all the SW talk, I wonder, am I the only one that hasn't gotten any SW drink coupons this year? The last few years in Jan or Feb I got 4 drink coupons in the mail. Given the timing I assumed it based was around my card anniversary so being end of March and no coupons, little sad.

We've actually never gotten them and we've had SW cards off and on between the dh & I forever it seems (one SW card we had for 5+ years). Anyway, I read recently that they phased them out in terms of sending regularly (to those who were receiving), and now they are something I guess they only send to a very select few...

 

[peel]

But with all the SW talk, I wonder, am I the only one that hasn't gotten any SW drink coupons this year? The last few years in Jan or Feb I got 4 drink coupons in the mail. Given the timing I assumed it based was around my card anniversary so being end of March and no coupons, little sad.

I have never ever received one.

 

[Albort]

I was wondering if there was a place here or on our other site that explained how to post our own links.

I’ve used a few peoples on this site and I now have some referral of my own and thought what the heck let’s try and see what happens.

Thanks

you just take the link and plug it into reddits format. [Card name](Referral Link) - Description goes here.

 

[SouthFayetteFan]

I was wondering if there was a place here or on our other site that explained how to post our own links.

I’ve used a few peoples on this site and I now have some referral of my own and thought what the heck let’s try and see what happens.

Thanks

There are instructions at the top of the threads on DISchurners. If you still need help after reading that though you can PM me

 

[SouthFayetteFan]

I have never ever received one.

I receive them sometimes and I don't drink - perhaps I'll send some "luv" your way if I get some in the future!

 

[eeyoresmom]

Use Gyft or Swych e-gift card apps to earn 3x UR on your CIP by using PayPal checkout and selecting CIP as the payment method.

Thanks. I have been hesitant to use Paypal at all since the ebay-Target churning days. I had my account flagged then and haven't used it except for non gift card purchases since.

 

[peel]

I receive them sometimes and I don't drink - perhaps I'll send some "luv" your way if I get some in the future!

I hardly ever drink either, but it would be nice to get some LUV.

 

[speedyfishy]

Has the banker been of any help? I feel like you should be able to get through to them a lot faster than waiting an hour for corporate?

I thought for sure calling would be quicker than driving all the way to the branch and speaking with her but I was wrong. They said I should get a call back tomorrow. Hopefully then it is resolved. If not CFPB.

 

[SouthFayetteFan]

My reddit name is Gwmw1210. Thanks for the test board tip.

So typically I would PM you the welcome message but I'm just gonna share it here, lol. It also may show others what DISchurners has to offer

You're approved and all set! Access the main page here.

You can post your own support links and/or use others' support links here:

• Chase
• American Express
• Other/Misc

And of course there's other info there too you might want to explore! Welcome, thanks for joining!

 

[Lain]

Thanks. I have been hesitant to use Paypal at all since the ebay-Target churning days. I had my account flagged then and haven't used it except for non gift card purchases since.

Oh, I remember that... this isn’t PPDG, so hopefully you’ll have better luck!

 

[jhoannam]

But with all the SW talk, I wonder, am I the only one that hasn't gotten any SW drink coupons this year? The last few years in Jan or Feb I got 4 drink coupons in the mail. Given the timing I assumed it based was around my card anniversary so being end of March and no coupons, little sad.

DH got his, I did not get any

 

[eeyoresmom]

But with all the SW talk, I wonder, am I the only one that hasn't gotten any SW drink coupons this year? The last few years in Jan or Feb I got 4 drink coupons in the mail. Given the timing I assumed it based was around my card anniversary so being end of March and no coupons, little sad.

I used to get them regularly but haven't in quite awhile, at least a year

 

[eeyoresmom]

Oh, I remember that... this isn’t PPDG, so hopefully you’ll have better luck!

Thanks, I may give it a try. Gyft doesn't have Disney cards though so I would have to buy BB and convert I assume.

 

[speedyfishy]

I figured it was time to start really budgeting so I downloaded Mint and YNAB to try out. So far I’m preferring mint. YNAB is telling me I need to budget the money that is in my emergency fund. How should I go about this? Should I just unlink that account? It seems super confusing.

 

[Jen and Ashwin]

I figured it was time to start really budgeting so I downloaded Mint and YNAB to try out. So far I’m preferring mint. YNAB is telling me I need to budget the money that is in my emergency fund. How should I go about this? Should I just unlink that account? It seems super confusing.

Create a budget line called, "Emergency Fund" and stick the money in there.

And try to stick with YNAB a bit longer. I much prefer it over Mint.

ETA: You can PM me with any questions you have about using YNAB. Once you get used to it, it is a really powerful tool. But initial set up can take a bit of time and patience to learn how it all works.

 

[LilSweetPeaPhoto]

Hi - we love new posters on our awesome thread

So you are at 4/24 (I'm assuming you know something about the Chase 5/24 rule - if you don't, it basically is a rule for Chase cards that puts limitations on getting certain cards). Once you hit 5/24 you would be locked out of numerous Chase cards. Luckily you have 2 cards falling off in September. Right now I'd consider the CIP card (Chase Ink Preferred) which has an 80,000 UR (ultimate reward) bonus! It requires a $5,000 MSR (min. spend requirement) in 90 days. You OR your husband could get that card, hit the $5k...then refer the other spouse to the card. That would earn you the following:

• 80k from sign-on 1
• 5k+ from min spend
• 20k from referral 2
• 80k from sign-on 2
• 5k+ from min spend 2

That's 190,000 URs for your next $10,000 in spend. That's worth a min. of $1,900 but almost $2,400 toward travel thru your CIP...AND if you had your husband later get a CSR card (Chase Sapphire Reserve) those points would then be worth over $2,800! You have a ton of options available to you since your husband is only at 1/24.

Another thing you may want to consider is going after a Southwest Companion pass which can be done through getting 2 SW RR cards. The general advice is to try to earn that as early in the year as possible (i.e. maybe wait until early 2019) BUT you don't have to wait. The reason people do that is because once you earn it you have it for the rest of that year and all of the next year.

We have a private Reddit group you can join if you're interested - we share some tips there and also have the ability to support other DISers when applying for cards. If interested send me a PM

Can I get in on this Reddit Group? My reddit name is AimClickShoot. I'm about to be divorced and trying to gather points to be able to still do vacas with the kiddos

 

[amalone1013]

@speedyfishy We love YNAB! But as @Jen and Ashwin said, it takes a bit to set up and learn but after that it's all maintenance! I have a few lines in our budget that are Emergency Fund, HSA, etc. I feel like YNAB learns to categorize things better than mint with direct import, and you can organize it however you want to. And YNAB has charts and reports too.

 

[ski_mom]

Well, I've been reading (and occasionally posting) on this thread from the beginning and have learned so much! I've been super occupied with other things the past number of months and haven't applied for anything for quite awhile, but the time is hear to start applying for cards again. We just drained a good number of our points for our upcoming trip to Europe, so we have to start rebuilding.

You guys are so good at recommendations, so thought I'd lay out my situation:

Me:
1/16 - BOA Alaska Airlines (cancelled when annual fee came up on 1st anniversary)
10/16 - CIP (downgraded to no fee card when annual fee came up - I have the one that still gets 5x on gyft, etc)
1/17 - CSR (just got in when there were still 100,000 UR points offered)
3/17 - CSP
8/17 - TY Premier
8/17 - Amex Business Gold rewards (had offer for 75,000 points and took it)

DH:
1/16 - BOA Alaska Airlines (cancelled when annual fee came up on 1st anniversary)
10/16 - CSR
3/17 - SW Premier
3/17 - SW Plus (to get CP)
8/17 - TY Premier
Also has Chase Freedom, but have had this card for years

I will downgrade my CSP when the annual fee hits (I'm assuming this month) to either a CF or CFU. I've enjoyed reading the different comments about this decision the past couple of weeks!

I LOVE UR points, so think I'd like to get DH the Ink card offering the 80,000 points, but know there's the new offer for card with 50,000 points as well.

DH also got an email for IHG 2 days ago with an offer for the 80,000 points that he could take.

Our goals: until this upcoming trip to Europe, we've always just traveled within the US, Mexico and Caribbean cruises. This fall, I need points to fly our middle DD to Australia for her study abroad. DH and I would love to visit her as well, but not sure how that's going to work out with work schedules, but we're going to try.

For our Europe trip, we transferred UR points to United for all of our flights and book hotels through the UR portal at 1.5x for having the CSR and also used up my Citi TY points along with the offer for $50 off a 2 night stay or more. Honestly, I was glad to use the points that way, because I wasn't sure what to use them on anyway. The hotels were a bit more expensive to start out with, but with the $50 code, the basically evened it out (at least in my mind).

Anyway, I ended up getting pretty wordy there, but that's our situation.

PS: Our home airport is St Louis (STL) if that matters.

 

[1st*toright]

I figured it was time to start really budgeting so I downloaded Mint and YNAB to try out. So far I’m preferring mint. YNAB is telling me I need to budget the money that is in my emergency fund. How should I go about this? Should I just unlink that account? It seems super confusing.

Create a budget line called, "Emergency Fund" and stick the money in there.

And try to stick with YNAB a bit longer. I much prefer it over Mint.

ETA: You can PM me with any questions you have about using YNAB. Once you get used to it, it is a really powerful tool. But initial set up can take a bit of time and patience to learn how it all works.

Sharing the YNAB love. Also, if you haven't done the webinars that explain how to use YNAB, I really recommend that you do so. I was super confused when I tried to just wing it myself, the webinars really helped (I'm a CPA, so budgets/numbers are my friend, but the way YNAB approaches budgeting is a little different and I needed a little explanation for it to click).

There are a couple of different approaches to things like emergency funds. One is to add the account and put it in your budget as "Emergency Fund" and have the balance just sit there until you need to use it (hopefully never) or add to it (in which case you would budget some of your income to "emergency fund"). Other option is to keep it "off balance sheet" and not link the account. I'd be happy to explain how I do that, but will not bore you unless you ask . It would probably make more sense once you've been YNABing for a bit.

Maybe we need a DISers who love YNAB thread- there aren't many of us, but we're all pretty evangelical about it . I think I found out about it on another budget board thread, and it has been an amazing tool for me.