I love credit cards so much!

[dygaar]

Are the Chase recon hours only until 5?

Their recon hours should be:

• 8am-10pm Monday to Friday
• 8am-8pm Saturday & Sunday

 

[SouthFayetteFan]

So, this morning the automated status line has changed to the dreaded 7-10 days for my dh's SW application (it was a personal, btw). I went back over his Credit Karma. He had 3 cards fall off on 3/31, putting him at 4/24, and I thought yesterday would be safe because it's a new month, but do you think maybe I didn't wait long enough after those dropped off? I can't think of any other reason he'd be denied. I'm going to have him call in, but he's not sure if he'll have time from work today. I don't know if he realizes how important this is, lol. Are the Chase recon hours only until 5?

Oh, and I've been off the thread for a few days. What's this I see about new SW CP pass rules??? And I'm about to leave for work and don't have time to research.

I've been out of the Chase application game for awhile but it seems to me if it was a 5/24 denial it would've said 7-10 days right away. If it initially said 30 days and then moved to 7-10 that might be another denial reason. This is a good thing because you can't overcome 5/24 but any other denial reason you could talk your way through. Good Luck!

 

[Lain]

So an employee card is different than being added as an AU?

On a business card like the CIP, authorized user cards are called employee cards, but both allow the cardholder to put charges on the primary account.

But unlike AU cards on personal cards, which report to personal credit reports because the primary card reports, employee cards don’t show up on personal credit reports if the primary business card doesn’t show up on a credit report.

 

[Judique]

IHG just sent me an offer for 4 x bonus points on my next booking within the next 3 months - because I've been a rewards member for 20 years! I haven't paid direct cash for an IHG room in quite a while - usually I'll do cash and points or points only. I had no idea I'd been a member that long.

 

[miztressuz]

I am so not caught up, but I thought I'd throw out a quick update on the Hilton/Curio AmEx offer. This one was for spend $250 get a $45 stmt credit and a follow up offer for the Doubletree. We just completed it because we have a stay coming up in the Doubletree anyway and the same spend $250 get $45 was auto added to the card good through 5/31. The first offer was good through 4/30 so I don't know if the second offer is fixed at 5/31 or that's based on when we completed it.

We also both had the Hilton gift card offer so now we have a whole bunch of Hilton GC's that we were planning to use on our upcoming stays left over since the Amex deal is a little better. I sense some of my home improvement money might go for a Hilton card after all...

 

[Judique]

So, this morning the automated status line has changed to the dreaded 7-10 days for my dh's SW application (it was a personal, btw). I went back over his Credit Karma. He had 3 cards fall off on 3/31, putting him at 4/24, and I thought yesterday would be safe because it's a new month, but do you think maybe I didn't wait long enough after those dropped off? I can't think of any other reason he'd be denied. I'm going to have him call in, but he's not sure if he'll have time from work today. I don't know if he realizes how important this is, lol. Are the Chase recon hours only until 5?

Oh, and I've been off the thread for a few days. What's this I see about new SW CP pass rules??? And I'm about to leave for work and don't have time to research.

aww...I'm just guessing that you didn't wait long enough. You would think that either the apply by date or the approved on date would be when you would count the 24 months from, but Chase may look at the math a little differently. Maybe recon can shed some light? Hopefully he will make the call as soon as possible so that you can find out what's going on. I'm anxiously waiting for 4/24 as well. 2 more months for me! I would be very interested in the timing if that is the issue.

 

[AmyAnne]

The $95 annual fee for my Chase Ink Plus just posted. I'm debating whether the card is worth $95 . . . we don't max out the 5x UR on office supplies but we do use it enough to cover the fee. I'm hesitant to downgrade the card because it's no longer available, and I haven't really been paying attention to the other Ink options. Anyone still have their Ink Plus? If not, what did you switch it to?

 

[GZanta77]

aww...I'm just guessing that you didn't wait long enough. You would think that either the apply by date or the approved on date would be when you would count the 24 months from, but Chase may look at the math a little differently. Maybe recon can shed some light? Hopefully he will make the call as soon as possible so that you can find out what's going on. I'm anxiously waiting for 4/24 as well. 2 more months for me! I would be very interested in the timing if that is the issue.

I don't know if the timing the was the problem...I had a card drop off on 3/27 to go to 4/24 and applied on 4/3 and was approved. Must be something else going on.

 

[jhoannam]

Has anyone added their spouse’s CIP to their own plastiq account? I am wondering if I can send the May mtg through on DH’s new CIP, using my plastiq, to avoid all the verification drama I went though to pay it on my CIP the first time.

We have both our CIP's one account, but if you refer your spouse you can both get $500 fee free dollars.

 

[Lain]

The $95 annual fee for my Chase Ink Plus just posted. I'm debating whether the card is worth $95 . . . we don't max out the 5x UR on office supplies but we do use it enough to cover the fee. I'm hesitant to downgrade the card because it's no longer available, and I haven't really been paying attention to the other Ink options. Anyone still have their Ink Plus? If not, what did you switch it to?

Do you have any 5/24 slots open to get the CIC? Essentially the same 5x categories as the Ink+, but capped at $25k instead of $50k, and currently offering a 50k UR signup bonus after $3k/3 months. If you don't have any open slots, you can still product change your Ink+ to CIC, since CIC has no AF.

 

[trenty]

some advice on hotel chains is needed...

I am not looking to add a hotel cc at this time, but may in the future.

I am looking into other cash outs for my erewards (besides SW which is what I usually cash out for). We have liked Holiday Inn Express and Hampton Inn on previous vacations. So I will also cash out for IHG and Hilton when possible. We have also occasionally booked hotels from the Choice Hotels line, so that is also a possibility. How do Radisson Hotels compare to IHG, Hilton, and Choice?

No vacations are planned where we will definitely stay at any of the above chains. Just looking to slowly add points so when we do plan something maybe I will have enough points.

Also, I know IHG points won't expire as long as there is activity (in or out) at least once a year. Haven't looked into the other chains yet.

 

[wendow]

@disneymagicgirl my plastiq account is littered with a mix of cards from both dh and I. Never had a problem paying for anything with his cards. I did refer him at the beginning for those FFD but once I used those, I went back to my account.

 

[platamama]

The $95 annual fee for my Chase Ink Plus just posted. I'm debating whether the card is worth $95 . . . we don't max out the 5x UR on office supplies but we do use it enough to cover the fee. I'm hesitant to downgrade the card because it's no longer available, and I haven't really been paying attention to the other Ink options. Anyone still have their Ink Plus? If not, what did you switch it to?

Do you have any 5/24 slots open to get the CIC? Essentially the same 5x categories as the Ink+, but capped at $25k instead of $50k, and currently offering a 50k UR signup bonus after $3k/3 months. If you don't have any open slots, you can still product change your Ink+ to CIC, since CIC has no AF.

Do you have CSP or CSR?

If not, then hold onto that Ink+ since you can transfer to partners and get the 1.25 multiplier. CIC doesn't give you those benefits.

If you do have CSP or CSR, then consider applying for the CIC with the signup bonus and then closing your Ink+. Like @Lain said, that will depend on your 5/24 status.

 

[Albort]

The $95 annual fee for my Chase Ink Plus just posted. I'm debating whether the card is worth $95 . . . we don't max out the 5x UR on office supplies but we do use it enough to cover the fee. I'm hesitant to downgrade the card because it's no longer available, and I haven't really been paying attention to the other Ink options. Anyone still have their Ink Plus? If not, what did you switch it to?

im in the same boat as well, had decided to drop my CI+ to a CIC when the AF hits.
Unless you dont have a CSR/CIP/CSP, this card holds its value, but if u have one, it loses a lot of value.

I personally will keep the CI+ though, i was recently introduced to a new way to MS and this card will become more valuable to it. Other than that, i was going to downgrade it.

 

[AmyAnne]

Do you have any 5/24 slots open to get the CIC? Essentially the same 5x categories as the Ink+, but capped at $25k instead of $50k, and currently offering a 50k UR signup bonus after $3k/3 months. If you don't have any open slots, you can still product change your Ink+ to CIC, since CIC has no AF.

Way over 5/24. Mostly the Ink+ is used for office supply purchases, so the CIC should be a good substitute.

Do you have CSP or CSR?

If not, then hold onto that Ink+ since you can transfer to partners and get the 1.25 multiplier. CIC doesn't give you those benefits.

If you do have CSP or CSR, then consider applying for the CIC with the signup bonus and then closing your Ink+. Like @Lain said, that will depend on your 5/24 status.

I do have the CSR. That's a good point to keep in mind about the multiplier when that annual fee hits.

im in the same boat as well, had decided to drop my CI+ to a CIC when the AF hits.
Unless you dont have a CSR/CIP/CSP, this card holds its value, but if u have one, it loses a lot of value.

I personally will keep the CI+ though, i was recently introduced to a new way to MS and this card will become more valuable to it. Other than that, i was going to downgrade it.

Is this an MS strategy that mere mortals can use? I have researched MS several times but I have never figured out how the math make sense for anything other than a minimum spend. After the gift card and money order fees, the return seems pretty minimal. But I'd actually like to be proven wrong!

 

[Lain]

i was recently introduced to a new way to MS and this card will become more valuable to it.

Please share in the DISchurners MS thread. ;-)

 

[Albort]

@disneymagicgirl my plastiq account is littered with a mix of cards from both dh and I. Never had a problem paying for anything with his cards. I did refer him at the beginning for those FFD but once I used those, I went back to my account.

so dangerous! i almost paid with the wrong card yesterday!!!

Please share in the DISchurners MS thread. ;-)

its shared, but im still barely stepping into it with the help of my MS friend. so idk how it entirely works but the idea is quite good...

 

[Dugette]

Approved for CSP! Instant! On to incognito CSR.

I'm at 4/24 and also got a CIP that I'm not counting towards that a few months back, so it definitely doesn't count towards 5/24.

 

[Lain]

Approved for CSP! Instant! On to incognito CSR.

I'm at 4/24 and also got a CIP that I'm not counting towards that a few months back, so it definitely doesn't count towards 5/24.

Remember to use DH's CSR link. Good luck!

 

[kmc8826]

I have been playing around on the Chase UR portal to see what the points from my new CSP will get me. My plan was to use my UR points to offset WDW hotel costs. I'm a bit discouraged because it seems like the Chase portal prices are high! I looked at the price for a stay at the CBR. It looked comparable at 198./night until I realized that this is for a king bed room. We need 2 queens and the price of that is 289./night, compared to 222./night on the WDW site (it would have been 237. but there is a room offer). If I called Chase directly would I be able to get the price that's on the WDW website, or am I limited to only what they offer?

I think the first answer is to call Cruise and Tours like posted previously. If you would rather just book yourself through the site be sure to play around with it. I booked 2 rooms at CBR that way for our January trip. Changing the check in date and then check out date would often completely change the price (even when I went back to the original dates I wanted). Also when you book with the portal just put it for one person. That can increase the overall price. When you call Disney Wholesale they can just add whoever else you need to the room and then give you the right number to put into MDE. Good luck! Don't get discouraged. Disney and UR's can totally work!

Hahaha! I guess so! I remember one of the posters saying the other day she had put her social on her hubby’s app so I think that was in the back of my mind.

Yes that was me! The stupid part is that when I did it late Wednesday night I started to do the same thing again (his information and my SS). Something about that Chase application and trying to categorize the business I guess. Such a brain cramp.