I love credit cards so much!

[wendow]

I'm having some FOMO over the 50K bonus on CIC. I was planning to PC my CIP to a CIC, but now I want to apply for it outright for the bonus. I like using UR points to pay for our flights so I can always use more URs. Do you all think I'm safe to apply for it before 5/20? I'm currently 3/24, with 2 Chase Biz cards:

BofA Amtrak 12/16
CSR 5/17
CIP 9/17
Marriott Biz 2/18
SPG Biz 3/18
SPG Personal 4/18

I don't know if the SPG personal has shown up on my credit report yet, I'll have to check. I'm hoping not so Chase will think my last card was their Marriott Biz back in Feb. My other concern is credit limits. I'm at well over 50% of income in combined Chase CLs, so I should probably reduce some of them before I apply (if I decide to). That, and the fact that I already have 2 Chase business cards. I also haven't used the CIP in about a month, since I've been working on MSRs on other cards. Maybe I should give it a few swipes so it looks like I'm using the cards I have.

I applied for the CIC for my dh last night...still getting the 2-week message so not approved but still looking positive...his stats were that he is 3/24, last Chase card was CIP back in Oct 2017 and he hasn't used the CIP in probably 3 mos. He was way over 50% of income so I lowered amounts on two cards before applying (like 2 days before applying...). Since you have 2 biz cards already, you have that extra factor but otherwise, the stats are similar. It seems to me you should go for it!

 

[Jen and Ashwin]

I think you said you can use your own cards for work trips - Did you get the JW Marriott AmEx offer?
"Get a one-time $40 statement credit by using your enrolled Card to spend $200+ on room rate and room charges, when you pay for your stay with JW Marriott from 3/30/18 to 6/18/2018."

I didn't see any rate restrictions for this one.

Unfortunately, my trip starts on 6/20, otherwise I would be using it. Thanks.

ETA: I can't prepay a room for work. If something happens and I had to cancel the trip, I wouldn't get reimbursed.

 

[miztressuz]

Unfortunately, my trip starts on 6/20, otherwise I would be using it. Thanks.

ETA: I can't prepay a room for work. If something happens and I had to cancel the trip, I wouldn't get reimbursed.

I hate when that happens, so close but so far.

 

[Jen and Ashwin]

For another DP: I got approved for CIC on Wednesday morning and called immediately for expedited delivery. The card is arriving today via UPS Next Day Air Saver.

 

[DaveL]

So I'm thinking the answer is no, but can I transfer a room only Disney reservation to Chase to pay with UR? Specifically a Cast rate room.

When did you make the reservation? If within the last 30 days and you have not paid it off you can.

Edit: Just saw the cast member rate... I have no clue, Disney prob prevents those from going to a travel agent. You have to fill out the Travel Agent transfer form and Chase sends it to Disney for approval, at that time they would prob see its a cast member rate and deny it so they don't have to pay the commission.

 

[DaveL]

For another DP: I got approved for CIC on Wednesday morning and called immediately for expedited delivery. The card is arriving today via UPS Next Day Air Saver.

Mine's out for delivery today too! Approved Tues called Wed morning and it was shipped last night Next Day... However Chase put a block on it and I cannot have it held for pickup or sent to an access point. Working from home it is!

 

[DisneyMandC]

For another DP: I got approved for CIC on Wednesday morning and called immediately for expedited delivery. The card is arriving today via UPS Next Day Air Saver.

Had you applied for a CIP recently? Can't remember.

 

[Jen and Ashwin]

Had you applied for a CIP recently? Can't remember.

Yes, I got the CIP less than 60 days before applying for CIC. And was at 4/24 both times.

 

[hsmamato2]

if thats all the cards u have applied for in the last 2 years, you are good!



all of my chase card came UPS. They usually ship it out next business name, if you call on a thurs or fri, it might not ship out until monday.



On top of the Wallaby suggestion, I know a lot of people in here also use label makers to label the cards for their noobish SO.
Like the Freedom card would have a sticker currently that says Grocery stores.

HA! I'm SO basic here....I use a sharpie to mark the corner of each card with current categories...otherwise I forget at checkout to frequently!(to remove sharpie,wipe with a bit of alcohol to start fresh each quarter) For me it's this... Discover IT for groceries (and gc at groceries since I'm in 1st year) Then Freedom for groceries and paypal, then CSR for restaurants- and FU for everything else right now. (and DH is FU all the time for ease of living) It's the best I can do

 

[Judique]

In perusing my Amex Offers this morning, I received credit for 2 $25 of $75 offers from Chewy that I just ordered. I had 3 total offers on 2 cards and 1 authorized user card. It was expiring soon so I stocked up on pet food.

Chewy also had the best prices for what I needed this time around and free shipping over $49. The service is phenomenal - both orders went in and came within 1 and 1/2 days - and the credits on one came same day as the order did and on the other order which arrived yesterday, I got my credit this morning.

My SPG card is worth every penny (to me) and then some!

In other news my SPG card also has a total of 7 offers for wine - I ordered from 2 previous clubs and shut them down after the special.

In addition, my SPG card has an offer for 2 extra MR points if I use Amex Express checkout. My no fee old Optima which gives MR points also has this offer. Walmart is one of the stores. Maybe I'll get 1 spg point and 2 MR's, lol.

 

[hsmamato2]

ugh. totally OT here..... so I was supposed to get a package, and USPS seems to have 'lost' it. (they show it as delivered, it wasn't.) no neighbors got it.... and its $95 worth of clothing I had bought. So a small package, envelope style that should have gone in the mailbox with all the other mail I got that day. Advice? USPS is claiming someone stole it (that didn't happen,we live in a quiet area where we're all home at random times of day, this was a Saturday, delivered at 10:30 and we got home by about noon,other mail was in box that day) I'm desperately hoping they find it, but I doubt it. I was thinking of calling the company and telling them it never arrived, but I'm at a loss here.it was a splurge for me to buy something that pricey, but I really like the clothes from this company.

 

[hsmamato2]

depends on the program. I think most will take either earn or spend, but I recall one I was looking at that it had to be earned, spending didn't count (course I can't think of what that one was). Usually CC points count for earned, I can't think of one where it doesn't.

Ah! I hope this works, it was for Hilton and I accidentally almost lost my points! I made a quick Amazon gc purchase using their card so I assume that's enough? (I hope)

 

[speedyfishy]

n other news my SPG card also has a total of 7 offers for wine - I ordered from 2 previous clubs and shut them down after the special.

I just got four bottles of wine for $1.70. Ebates has a deal $30 back on your Winc order and a $25 off your first box for Valentines Day. The code is still working. The total after the $25 off was $31.70 but I’m getting $30 back from Ebates. It’s a subscription that needs to be cancelled but I thought it was a good deal.

 

[DisneyMandC]

I spoke too soon on the Disney refund from my cancellation yesterday. I received the refund to my CIP this morning.

 

[Lain]

Amazon is gone (for good?) from MPX. Looks like I’ll have to step into an actual store now to buy Amazon gift cards to have things delivered to me.

 

[Jen and Ashwin]

ugh. totally OT here..... so I was supposed to get a package, and USPS seems to have 'lost' it. (they show it as delivered, it wasn't.) no neighbors got it.... and its $95 worth of clothing I had bought. So a small package, envelope style that should have gone in the mailbox with all the other mail I got that day. Advice? USPS is claiming someone stole it (that didn't happen,we live in a quiet area where we're all home at random times of day, this was a Saturday, delivered at 10:30 and we got home by about noon,other mail was in box that day) I'm desperately hoping they find it, but I doubt it. I was thinking of calling the company and telling them it never arrived, but I'm at a loss here.it was a splurge for me to buy something that pricey, but I really like the clothes from this company.

Call the company and let them know it never arrived. They generally have insurance on packages and will likely send you a replacement product at no charge.

 

[Judique]

I just got four bottles of wine for $1.70. Ebates has a deal $30 back on your Winc order and a $25 off your first box for Valentines Day. The code is still working. The total after the $25 off was $31.70 but I’m getting $30 back from Ebates. It’s a subscription that needs to be cancelled but I thought it was a good deal.

It sounds like an excellent deal! Problem is that although I love wine, I'm more a social drinker - I'll open a bottle when I have a friend to have a drink. Then, since I am diabetic - it's one glass only. I have a stockpile in my basement and I make sure to bring a bottle whenever I go to someone's house.

 

[3 DD love princesses]

Yeah, I try not to make a big deal of denials especially before I know the reason they will give, but it still stings a bit. It may be a CL issue and I probably should have reduced my limits on some of my other cards before applying (looking at CSR with $27K). I won't be allowed to move personal CL to open the CIC though, right? My only Chase biz card is CIP with $10K. My best guess is it's combined CL, which is mostly due to my personal Chase cards. It is a legit biz, but very new as I just started in January. Not sure if having a legit biz would even help in the case of CL issue.

In the same they denied for having too much credit so thinking they combine personal and business since my CIP is used 75% of cl.

Yeah I had no idea it’s called Horseshoe. I may take a trip since that’s not that far.

Md live is better than horseshoe in my opinion. Plus it’s bigger and gives more comps. They were doing a free $100 back deal.

leave your wallets at home.....just bring whatever cash you don't need anymore...

You can always drop by Maryland Live at Arundel Mills if you want to try your luck there! We now have lots of casinos in Md, including a little one down in Chesapeake Beach if you didn't already know about it.

I've gone but after I lose a few dollars - maybe $50 - I get disinterested fast, lol. Haven't done MGM yet so may be I'll drop by to see it when I'm feeling lucky.

CB is small wouldn’t think the drive would be worth it from the mgm

 

[hsmamato2]

Do I need to post this again...

I hate to question Oprah but.... Do any amex biz cards count against your 5/24, like you're at 3/24 and you get an amex biz, will you still be considered 3/24?

 

[Jen and Ashwin]

I just got four bottles of wine for $1.70. Ebates has a deal $30 back on your Winc order and a $25 off your first box for Valentines Day. The code is still working. The total after the $25 off was $31.70 but I’m getting $30 back from Ebates. It’s a subscription that needs to be cancelled but I thought it was a good deal.

We got a Winc deal through Swagbucks and loved everything we got. I should do this one. What is the Vday code?