I love credit cards so much!

[disneymagicgirl]

Yes...

Oohhhh, good to know. I am eargerly waiting for sw to release all their info and see what flights do. What period of time do you think the hotel cat will drop, or do you think permanently?

 

[thevalley]

DW was very skeptical at first. It’s really funny when I say stuff like 3:1 ratio and what not. She just rolls the eyes and says. Good job honey.

 

[speedyfishy]

What is an appropriate amount of time before getting another biz card? I got the CIP 3-21. I was thinking about going for the CIC. Is

So you went for the CIC. Was there any issues. I think we got the CiP around the same time.

Is Barclay picky about our “biz”. I do have an old Upromise card with them. Not sure if that helps with getting any other cards.

I got to figure out my next step. Lol 2 kids bdays and vacation coming up soon.

Yeah the CIP for my SO I think was approved 3.16 I think. His CIC was a little over 30 days after the CIP approval. Risky, but the automated line change in less than 24 hours.

I have no clue if Barclay will be picky about a Biz, I didn’t get instant approval. I’ll update once ik what this additional information they are requesting is.

 

[Lain]

...he says as he plots on disboards to get DW a CIC before the bonus drops...

Not breaking any of my rules for Player 2! The CIC has an awesome offer right now that’s rumored to be going away (the bonus and the card), no AF, and won’t add to DW’s */24. Only downside is neither of us can refer the other for this card.

How’s your mom’s double dip?

 

[disneymagicgirl]

Thinking about it more, we don’t know that. What we know is that you can PC a Freedom (back) to a CSR now. You can’t PC a CIP (biz) to a CSR (consumer). I could imagine a change where Chase might not allow a PC from a “cash back” card to a “UR” card (or vice versa since downgrading is how people avoid the AF), but as we speculated here two weeks ago — why would Chase deny a PC if you’re upgrading and want to pay them a $450 fee.

I’m sorry this is so complicated.

Maybe you could upgrade your CSP to a CSR for a month or two to hold all the points while your husband downgrades and tries for a double dip?

^^thats a good idea! Or at least a good backup plan.

 

[disneymagicgirl]

Why not apply for the CIC then downgrade the CIP and you can have two CICs.

I am trying to hold a spot for sw biz late this year for me. I will ponder this.

 

[eeyoreland]

Over 200 messages yesterday you guys have been busy. I think this thread moves fast when I’m on vacation!


For your sw Card wait for the points to show on your rr account then you can cancel it and fee refunded. I made the mistake of canceling before fee hit and missed out on the 6k bonus.

Oh my, really??? What do I say to them? "I see my fee hit. I'd like to close the account and have the fee refunded." I did dummy up on DH's SW card. They even offered to waive the fee and we just adamantly said we wanted to close it. I don't know what I was thinking. I know I was thinking something at the time, but still ... dummied up.

 

[elgerber]

I think a lot of us are in '2-player mode' but our 2nd player isn't really interested in playing so we come here to chat about it. I have learned if I start talking to much about CC's, my dh's eyes kind of glaze over and I know his mind is now on baseball highlights lol

LOL. I play in two player, and dh has no idea what's going on. He knows I do it, and he is cool with it, tells people I know to get us free travel and he just goes along. Half the time he never even sees the card, if I have a large purchase or something to make his MSR. He has no clue what cards we have and when we get new ones, unless I give him one. But his score is in the 800s and we get a lot of our travel free, so he is all good with it.

 

[speedyfishy]

I am trying to hold a spot for sw biz late this year for me. I will ponder this.

Oh yeah, that makes sense then.

 

[DisneyMandC]

Yeah SO and I are both under too so we would go for the business. I was just saying Ik the personal can be tricky so I imagine the business might be too.

I just submitted the business app for SO and they said they need additional information and will call him. He is not going to answer the phone. lol They said if they can’t reach him they will send a letter requesting the additional information. Maybe this is to verify our new address again?

Oh I see what you're saying!! Yeah, I would apply for this one myself. I don't even get approved for Chase cards right away, but I have no problem calling in if I needed to and I do have a legitimate business so I don't mind being put through the ringer if necessary.

 

[thevalley]

I am trying to hold a spot for sw biz late this year for me. I will ponder this.

Same here. If the CiP stops working with plastiq, I may cancel that one or pc if I don’t have the CIC by then.

 

[thevalley]

Yeah the CIP for my SO I think was approved 3.16 I think. His CIC was a little over 30 days after the CIP approval. Risky, but the automated line change in less than 24 hours.

I have no clue if Barclay will be picky about a Biz, I didn’t get instant approval. I’ll update once ik what this additional information they are requesting is.

Sounds good thanks.

 

[jhoannam]

I think a lot of us are in '2-player mode' but our 2nd player isn't really interested in playing so we come here to chat about it. I have learned if I start talking to much about CC's, my dh's eyes kind of glaze over and I know his mind is now on baseball highlights lol

Ditto... DH just wants to know what card to use and he’ll only carry 2 cards. He isn’t involved in our finances, he hasn’t paid a bill since we got married. If I die tomorrow only the AutoPay bills would get paid.

 

[speedyfishy]

I don't even get approved for Chase cards right away, but I have no problem calling in if I needed to and I do have a legitimate business so I don't mind being put through the ringer if necessary.

Amex is the only one that gives me instant approvals now. lol

 

[hsmamato2]

Oohhhh, good to know. I am eargerly waiting for sw to release all their info and see what flights do. What period of time do you think the hotel cat will drop, or do you think permanently?

I have no idea if it will drop.....but from what I read, thereS a temp. Sweet spot for current cat. 8 bookings starting 8/1 down to a 7..... I'm hoping this property stays at the same category,which should = less points! If it drops I'm gonna cancel and rebook at the lower rate.

 

[Disneyonmymind]

I am trying to hold a spot for sw biz late this year for me. I will ponder this.

I am also interested in the sw biz late this year. I wish I knew for sure that we could get a third Chase biz card.

 

[jhoannam]

Yeah the CIP for my SO I think was approved 3.16 I think. His CIC was a little over 30 days after the CIP approval. Risky, but the automated line change in less than 24 hours.

I have no clue if Barclay will be picky about a Biz, I didn’t get instant approval. I’ll update once ik what this additional information they are requesting is.

That’s good to hear... I’m going to apply for the CIC and then CSR. I’m still on the fence about double dipping the CSP and CSR.

 

[Lain]

Same here. If the CiP stops working with plastiq, I may cancel that one or pc if I don’t have the CIC by then.

Don't cancel the CIP if it hasn't been a year yet; you can PC the CIP to CIC before one year.

 

[platamama]

Yep, you're in good company. Like most everyone's spouses here, my wife is a reluctant Player 2. She freaked the first few times I got a new credit card for me or for her; but her last two cards, she just rolled her eyes at "another one?" (Feel you on that one @GZanta77.) I have DW sign the card and tell her what to use it for; I swap out her cards when MSRs are met, category bonuses change, or she's traveling for work and needs lounge access. We come here to share stories, vent, and commiserate because no one else gets it.

Haha. Same thing I do for DH.

He's like,"We don't need to open any more cards." I shrug, say OK, ignore him, and plot the next cards in line. I mean, I'm at 4/24 next month! Are you kidding me??

CIP, I've been looking at you for a long time. Come to mama.

 

[speedyfishy]

That’s good to hear... I’m going to apply for the CIC and then CSR. I’m still on the fence about double dipping the CSP and CSR.

I’m going to try for the CIC in a few days and then hopefully go for the CSR/CSP double dip in June or July. When were you planning on getting the CSR? I don’t want SO to get another Chase card now until the end of the year.

My SO has
CIP and SPG Biz March
CIC April
For may im hoping he gets this Barclay AA Biz and the Delta Biz

My plan and status
Delta and SPG Biz were in March
Hoping to get the CIC in may and maybe the AA Biz or another Amex Biz

Then June/July CSP/CSR maybe a Freedom too. I’ll be over 5/24 so I’m hoping to do a mini App-o-Rama with Barclay’s cards the same day. I have to do more research.