I love credit cards so much!

[elgerber]

I too have such issues with the darn Amex spends!! I seem to be doing a little too well on my Delta BIZ though, all on organic spending LOL. Brian Wilson just pushed me over the first $2k, less than $1k left for the 10000 bonus. Eek!
Gotta do dh's now, his card is in the mailbox LOL. Property taxes! But through Plastiq.

 

[miztressuz]

Ok, so I just realized a conundrum here. I'm finally getting bids on my home improvement projects and a few of the places in the running will take CC's. Great! (Couple of them will take a CC for the whole project; if they'd let me I could open 6 or 8 cards if I did that )

I'd been holding off on applying until I knew for sure I could meet the spends as I still have 4k+ left on my SPG Biz after 4 weeks. But that means I am wanting to open 3 Chase cards in a short period of time

The modified - Original - plan was go for the CIC first and then double dip the CSR/CSP. But with the timelines getting tighter from the weather delays, I'm not sure I have 30 days between the apps. With the 2/30 rule for personal cards, will I get spanked on the 2nd sapphire application automatically? I know the system can't really see the other sapphire yet, but would it see the application at all for that rule?

Backup plan is I go for the CIC (because I can't convince hubby to reopen his "business" yet) and then convince hubby to try the double dip. But he's at 3/24 right now with the last account (AmEx) in Jan. If it worked that'd put him at 5/24 and he'd be out of the running with Chase for another whole year. (unless we get desperate and I try to remove his AU from BoA off the CR)

What do ya think about this?

 

[Alexle2007]

I have a nice big propane bill than needs to be paid but they don't accept AmEx, only Visa and MC. Do I need to break my payment up if it is greater than the $500 max on the VGC? So let's say it's $800. Do I need to do 2 transactions, say $500 and then $300? Trying to figure out how to best meet this $7k spend while I have this bill that is 10% of the spend.

 

[Lain]

Denied for the CIP match to 100k for being out of state already. I may try again or just call a branch and ask to speak to a BRM.

Try again Friday night, at 10:30 PM ET? That's when DP said he submitted his SM, and hope to get the same office/shift?

 

[Judique]

I'll cry with you. My last 4 cards have all been Amex. I am so over Amex!! Went to send a gift to a woman at church who needs a car and her missionary agency is collecting money. I'm thinking, 'This is great...help her out, meet some spend'...guess what?? Agency doesn't take Amex

Buy a gift card?

 

[M_Williams]

Awesome information - thanks for sharing!

 

[wendow]

You can’t PayPal or Venmo her with an Amex either without risking RATs treating it as a P2P payment and ineligible to earn points or bonuses!

I could send a check through plastiq though. just occurred to me

 

[WDWRook]

Is there a link about this Plastique company and how that all works?

 

[wendow]

Buy a gift card?

I would but this donation is for a car.

 

[kmc8826]

Yes, @SouthFayetteFan added me! Looking forward to learning! I have a feeling I will get the message, I will give them a call if it happens.

And also to @babyready I personally would not call Chase until I heard it was a declination. They called me when I got my CIP and honestly I am still a little scarred from that phone call. I just don't see any point in getting on their radar if you don't need to be. If they want to talk to you they will call you and then you can deal with it then.

 

[wendow]

Is there a link about this Plastique company and how that all works?

there is a nice write up on dischurners by Lain.

 

[mfly]

Try again Friday night, at 10:30 PM ET? That's when DP said he submitted his SM, and hope to get the same office/shift?

Did they share the text of their original message to Chase? I’m just curious how they worded it.

 

[Lain]

Did they share the text of their original message to Chase? I’m just curious how they worded it.

Yeah, click the original permalink: https://www.reddit.com/r/churning/comments/89yrbs/comment/dwuvyuf?st=JFMYO5RH&sh=8ad18b0d

 

[kmc8826]

Well, looking around and thinking a bit I'd guess anywhere we will go will have a Marriott/Sheraton brand hotel or a Holiday inn. Marriott/SPG can book the Swan and Dolphine which could come in handy and there is a Marriott in Detroit we would stay at occasionally. So, I think I'll get one of the Marriott or SPG cards and start collecting points. IHG is interesting as our "dream" trip is to return to French Polynesia where we stayed at the Intercontinental; but that's a few years off.

The cards that I need to get are:

- Marriott or SPG (probably SPG)
- CIP (but not in a real hurry for it as we still have plenty of URs)
- Delta as our airport is a Delta Hub.
- Maybe IHG, not sure it needs to be now.

Delta has a current increased offer. Does that offer come around often or should I jump on it?
Chase UR's can transfer to Marriott, right? Can I then use then for an SPG hotel given their new partnership? It seems the belief is SPG card is better then Marriott given the transfer rates?

FYI - I'm at like 3/24 and tWife is 2/24. All Chase cards so far.

The Delta increased offer is good until April 11th but if you go through a referral you have until May. (Despite the fact we have 4 Delta cards between us I keep flirting with the idea of getting the Delta Biz Gold just for the miles). DH and I have both had our Delta Platinum for years but both got a business version when it opened in October. In past years they have increased mileage in June and October. This increased mileage offer now is unusual. So not quite sure if they will offer it again this summer. If I were you I would get the Amex business cards with the best sign up bonuses. SPG over Marriott because if you decided to not use it for hotels you could (at least for now) transfer to Delta with the 5000 mile increase for every 20k.

Just remember you have to get the CIP/CIC while under 5/24.

I'll cry with you. My last 4 cards have all been Amex. I am so over Amex!! Went to send a gift to a woman at church who needs a car and her missionary agency is collecting money. I'm thinking, 'This is great...help her out, meet some spend'...guess what?? Agency doesn't take Amex

My husband buys a ton of stuff online. For good or bad that is how I am able to make a lot of these minimum spends. Almost all of them don't take Amex. That is why I just couldn't deal with the SPG Biz $7000 offer. Too stressful even though it was tempting!

 

[brownhaired_girl]

I too have such issues with the darn Amex spends!! I seem to be doing a little too well on my Delta BIZ though, all on organic spending LOL. Brian Wilson just pushed me over the first $2k, less than $1k left for the 10000 bonus. Eek!
Gotta do dh's now, his card is in the mailbox LOL. Property taxes! But through Plastiq.

I'm wondering why plastiq for property taxes? I’m planning to pay mine with My SPG when it comes. Is there a benefit to using Plastiq?

 

[elgerber]

I'm wondering why plastiq for property taxes? I’m planning to pay mine with My SPG when it comes. Is there a benefit to using Plastiq?

No, my county doesn't take AMEX, thus the issue with making the MSR on these darn AMEX cards

 

[Albort]

I too have such issues with the darn Amex spends!! I seem to be doing a little too well on my Delta BIZ though, all on organic spending LOL. Brian Wilson just pushed me over the first $2k, less than $1k left for the 10000 bonus. Eek!
Gotta do dh's now, his card is in the mailbox LOL. Property taxes! But through Plastiq.

yeah, i ran into a weird problem recently with Amex. You cant pay a contractor with Plastiq with Amex card... but i can pay them directly with an amex card... what is the logic behind that? :\

 

[elgerber]

yeah, i ran into a weird problem recently with Amex. You cant pay a contractor with Plastiq with Amex card... but i can pay them directly... what is the logic behind that? :\

I am beginning to think there is no logic to anything anymore.

 

[Albort]

@SouthFayetteFan isnt gonna like this news either...

https://thepointsguy.com/news/new-restrictions-southwest-credit-cards/

its a pretty crappy week for him... haha.

 

[marsh0013]

@SouthFayetteFan isnt gonna like this news either...

https://thepointsguy.com/news/new-restrictions-southwest-credit-cards/

its a pretty crappy week for him... haha.

Oh crap. Unless you can still double dip like the CSR/CSP. And then there's also the business card option.