I love credit cards so much!

[trenty]

The closest I get to Europe is EPCOT World Showcase. I fly Southwest when headed there.

Sorry, I can’t help you but at least I had a “thought” on it.

Ha! Doing that this summer! Close but not the real deal.

 

[SouthFayetteFan]

It's not a big FOMO opportunity.

The CIC is currently at an all-time high public offer of 50k UR. The 50k offer is rumored to end on 5/20, but word is the CIC as a product is not being replaced.

On 5/20, Chase is introducing the CIU with a 50k UR offer.

If all one cares about is the bonus, going for either the CIC or CIU is just as good, and putting more time between your last application by going for the CIU might be better.

If one prefers the CIC's 5x office supply store and cable/internet/phone categories more than the CIU's 1.5x everywhere, you can still hold off to apply for the CIU at 50k UR (if the CIC offer drops back down to 30k UR) then product change to a CIC after a few months.

If it's not a big FOMO opportunity...why is everybody rushing to get themselves a CIC hahaha!

 

[SouthFayetteFan]

Are there any downsides to getting a Disney Visa Card?

That bonus ($200) is much less lucrative than numerous other bonuses out there. It's not a bad card to get. It just isn't the best card to start with.

 

[trenty]

I know its 60k round trip to Europe on United (saver fare), and I believe you can do a stopover and open jaw, but confirm since it was a long while ago when I researched this. You can transfer to United from UR. I'm clueless about MR. I'm sure others will be able to direct you better, but the 60k on United seems cheap to me.

Thanks. I have more UR than MR but need to see if I should focus accumulating one over the other.

 

[Lain]

If it's not a big FOMO opportunity...why is everybody rushing to get themselves a CIC hahaha!

I think it was the DoC post speculating that the CIU would replace the CIC. If it’s not, then one could still sign up for the CIU if you like the offer, but PC to the CIC if you like the bonus categories.

 

[SouthFayetteFan]

Refreshed thread on DISchurners: American Express Platinum Card® for Schwab GUIDE

I have refreshed the Schwab Plat guide on DISchurners. The old version was over 6 months old so it was closed to new comments. This post is a decent guide on ALL of the AMEX MR cards that exist. It also explains in detail a strategy to generate almost $4,000 in cash while opening 9-10 cards. This strategy is for folks that are > 5/24 and looking for something to keep them busy.

This is the strategy I used for myself while my wife was sitting on the sidelines trying to get back under 5/24. It was a GREAT distraction for me for 15 months. If you have any questions you can definitely post here OR comment on the DISchurners thread.

 

[Lain]

Refreshed thread on DISchurners: American Express Platinum Card® for Schwab GUIDE

I have refreshed the Schwab Plat guide on DISchurners. The old version was over 6 months old so it was closed to new comments. This post is a decent guide on ALL of the AMEX MR cards that exist. It also explains in detail a strategy to generate almost $4,000 in cash while opening 9-10 cards. This strategy is for folks that our > 5/24 and looking for something to keep them busy.

This is the strategy I used for myself while my wife was sitting on the sidelines trying to get back under 5/24. It was a GREAT distraction for me for 15 months. If you have any questions you can definitely post here OR comment on the DISchurners thread.

I really need to update the Plastiq guide. It just wasn’t happening this weekend. Yesterday was near 70s in the Bay and beautiful, and today was a mother’s day hike along the coast.

 

[SouthFayetteFan]

DISchurners Announcement!

We have our 150th Member on the Reddit group!! Welcome to @Haley R and thanks to the other 149 people that have worked to make DISchurners a success! Thanks to everybody who has supported another DISer over there or shared some special tips!!

 

[SouthFayetteFan]

I really need to update the Plastiq guide. It just wasn’t happening this weekend. Yesterday was near 70s in the Bay and beautiful, and today was a mother’s day hike along the coast.

I was going to send you a PM reminder on that

 

[Haley R]

DISchurners Announcement!

We have our 150th Member on the Reddit group!! Welcome to @Haley R and thanks to the other 149 people that have worked to make DISchurners a success! Thanks to everybody who has supported another DISer over there or shared some special tips!!

Whoop Whoop!

 

[570traveler]

DISchurners Announcement!

We have our 150th Member on the Reddit group!! Welcome to @Haley R and thanks to the other 149 people that have worked to make DISchurners a success! Thanks to everybody who has supported another DISer over there or shared some special tips!!

Can you PM me the details for the group please

 

[570traveler]

Can anyone with the revolving 5% categories tell me if Sam’s club is included in the upcoming months? I know Discover starts in October but wondering if there will be any over the summer months. Thanks!

 

[Lain]

My husband is 1/24 and I am 0/24. He is the one with the Musician's Friend card. I'm open for signing up for business cards as long as there are no AF or the AF is really low. I will be nannying all summer long and DH and I also play in a band on the side. Would both of those count as businesses?

That makes sense. Would we be able to get the CIP just from my nannying and our band that we play in on the side?

I’m taking these in parts again, because there’s no way I can type up all our knowledge for you in any reasonable amount of time. The best thing you can do is read, post and keep asking lots of questions. You’ll get great replies from probably the friendliest bunch on the DIS! You’re already on the right track!

Nannying/daycare and musical gigs are definitely businesses that would qualify you for a business card from Chase! The great news about that is these business cards have some of the most valuable signup bonuses in Chase’s product lineup and no fee or reasonable fees, and they won’t add a card to your “5/24” count (but you do have to be under 5/24 to qualify for them).

When applying for a business card from Chase, the best tip is to keep it simple. If you haven’t formalized your business as a legal entity, apply as a sole proprietor with the business name as your name (First Name Last Name) only. Don’t get fancy with the business name by calling it Haley R Daycare or something like that. When Chase checks your application, they’ll hold up your application or deny it because they can’t verify your business and you’ll need to send in documents if you want to get it reconsidered. As a sole proprietor operating in your own name, the business is you and there’s nothing more to verify. Sign up with your SSN as the EIN/Tax ID Number. Put in a plausible revenue (gross revenue, not profit) amount based on past years, YTD, or a projection and years in business. For reference, a lot of us with eBay reselling businesses might have revenue in the low four digits (@speedyfishy got approved for a CIP card with $5 revenue!, but you might not want to go that low). Also include your total household income in your application. Then select the business category that best describes your nannying and/or music business.

Out of curiosity, are either nannying or music business registered or have their own separate EIN? (I’m wondering to see if you can get two of the same card for the two different businesses.)

Others can chime in about Chase’s business cards, their bonuses, and bonus categories: the Chase Ink Preferred (“CIP”); the Chase Ink Cash (“CIC”); and the soon to be released Chase Ink Unlimited (“CIU”).

I’ll add more when I can!

 

[peel]

Warning: Long Post Ahead
It took 4 days, but I'm caught up on this thread.

Today I had a decent churning win--I met the additional $1000 MSR to get my 80K IHG match. I SMed Chase to let them know and got an almost immediate response that they'd be depositing the extra 20K in my account in the next statement.

But now for the MAJOR CHURNING FAIL--I attempted to pay Mr. Cooper via Plastiq today and it's no longer a valid payee for either my CIP or DH's new SPG Biz. I'm soooooo bummed. I knew it wouldn't last forever, but I'm sure going to miss the 3x UR, and now it will be harder for me to meet the SPG MSR. @pillow I fear you'll be finding the same disappointment soon. If you set up automatic monthly payments there's a chance the outstanding payments will still process. I remember that's what originally happened when most mortgage payments stopped working. But I didn't set it up for future months because I knew I might be switching to a different card for a new MSR soon. Now that the Mr. Cooper loophole (Mr. Coophole?) is closed, I'm rethinking my next step, since I was planning on referring DH to the CIP next month when my AF hits, because I wanted to downgrade mine to the CIC--which after reading 60 pages I see might be in jeopardy?--but it would really be a stretch to meet two $5K MSRs back to back, or simultaneously really.

-----------------------------------------------------------------------------------------------------
Now onto our 4 day weekend in Cleveland. It's not exactly Japan or the Maldives. But we've both been wanting to visit the Rock and Roll Hall of Fame, and we have the points and a CP burning holes in our pockets, so why not? This should probably go in the new thread, but I haven't even ventured over to it yet, so here it is.

We flew Southwest with the CP, stayed at a really cool Hyatt Regency in an amazing building that was originally the oldest indoor mall in America (as in glass-ceilinged atrium, not Payless). It was located downtown among restaurants and shops, and it was walking distance to the museum which was on the banks of Lake Erie. We were given a complimentary upgrade to a City View Room. I have to say that the majority of the time we were there, there was like NO ONE around and everything besides bars closed early. We actually had trouble finding somewhere to go the first night, so we ended up at the movies.

On Saturday, the first full day we were there, we got out of town because Trump decided to also visit Cleveland. We got a note under our door the night before that said if we wanted to get our car out from the valet and exit the area we needed to do it well before 11am because some of the surrounding streets were going to be closed down. We were planning on taking a road trip to Dover that day anyway, so we managed to escape the madness. We visited The Warther Museum, which was absolutely amazing and my personal favorite destination of the trip. Mooney Warther was a master carver who specialized in carving trains, mostly out of ivory, ebony, and walnut, some of the hardest substrates to carve. His trains are exactly to scale, and include every part even if you can't see them. The museum chronicles his life and includes his family's modest home, his teeny tiny workshop, and a beautiful building housing his collection and many displays. If you ever find yourself driving through Ohio, I highly recommend adding the museum to your itinerary. I thought the Hall of Fame museum was well worth the trip as well, since we're both huge music fans. It's huge, and we spent most of Sunday there. Lots of cool artifacts and presentations. We also visited the Wade Memorial Chapel in Lake View Cemetery, which was entirely designed by Louis Comfort Tiffany. The central stained glass window and floor to ceiling mosaic walls were absolutely stunning. It was a quick visit, but so awe inspiring. I'm a budding stained glass artist, so I was very excited to see a masterpiece like that in person. We did entirely too much record shopping, and I met someone in person for the first time that I've "known" for 15 years from a Wilco message board. The internet is amazing sometimes.

On our way home, we got to the Cleveland airport early and used my CSR Priority Pass to eat at Michael Symon's restaurant. Everything we ordered was delicious, but health food it was not. Can't beat free, though, right?

I was waiting for some charges to process before coming up with a final tally to determine our savings. When I got the bill at the Hyatt front desk, there were a bunch of numbers that didn't make much sense. I paid for the room with points. During our stay, I grabbed a soda from the lobby cooler and told them to charge it to the room, and DH drank a bottle of water from the mini fridge, which he didn't realize wasn't free , so I expected two incremental charges for the drinks and valet parking charges of $30 x 4 days (valet was the only parking option and after comparing garages downtown it was still the cheapest way to go). None of those were on the bill, just other random numbers. I asked about the breakdown, and the woman told me, "Yeah, don't pay any attention to those numbers. I don't like printing out the itemized list for people who redeemed points because it never comes out right. Just wait for the emailed receipt and it should be right." I outright asked about the parking fees, and she said they were covered. That sounded crazy to me because I just signed up for the Hyatt account a few weeks before the stay and I have no status or Hyatt credit card. When the email receipt came, it correctly showed that I used points, which I transferred from UR, and no other charges. I know I might still get a bill somewhere down the line, but for right now it seems I may have had some good luck and avoided $120 in parking fees. If so, I won't feel bad about it because I point blank asked about them at the time.

Here is the monetary breakdown. Sorry about the formatting, is there a better way to do this?

EXPENSE...........RETAIL COST....REDEMPTIONS...ACTUAL COST

BDL-CLE 1..........$138.60.............8306 RR..............$5.60
BDL-CLE 2..........$138.60.....................CP..............$5.60
CLE-BDL 1..........$138.60.............8306 RR..............$5.60
CLE-BDL 2..........$138.60.....................CP..............$5.60
EBCI....................$60.00.....................................$60.00

Hyatt Hotel.........$737.58.............24000 UR............$0.00

National Car........$145.14.............$150 BCP CB......-$4.86

R&R H of F..........$52.00...........Online Discount......$46.00
Warther..............$27.00.......................................$27.00

Dinner at CL........$54.00...............Priority Pass........$0.00
OOP Food..........$158.31.....................................$158.31

Airport Parking.....$42.54......................................$42.54

Gas for rental.......$27.41......................................$27.41

Total..............$1858.38...................................$378.80

In the end, what we did pay out of pocket went toward DH's SPG MSR, so I unfortunately wasn't able to get any bonus URs from the travel expenses or by picking up 5x gift cards ahead of time. But I also received 3000 Hyatt points on my award booking, which I wasn't expecting since this was my first award stay with them. Do you always earn points on award stays?


tl;dr I went to Cleveland and saved almost $1500 because of churning

 

[Lain]

Are there any downsides to getting a Disney Visa Card?

Getting a Disney Visa card while you are under 5/24 (5 cards opened in the past 24 months) will take a slot away from a card with a potentially more valuable bonus. The Disney Visa card is not subject to Chase’s 5/24 rule, so you can get the Disney Visa after you are over 5/24 and have already gotten Chase’s more valuable cards that are subject to the 5/24 card.

 

[pillow]

I fear you'll be finding the same disappointment soon. If you set up automatic monthly payments there's a chance the outstanding payments will still process. I remember that's what originally happened when most mortgage payments stopped working.

Dang it! Figured it would have to die eventually as people piled on. I did set up auto payments, so will cross my fingers!

 

[SouthFayetteFan]

Warning: Long Post Ahead
It took 4 days, but I'm caught up on this thread.

Today I had a decent churning win--I met the additional $1000 MSR to get my 80K IHG match. I SMed Chase to let them know and got an almost immediate response that they'd be depositing the extra 20K in my account in the next statement.

But now for the MAJOR CHURNING FAIL--I attempted to pay Mr. Cooper via Plastiq today and it's no longer a valid payee for either my CIP or DH's new SPG Biz. I'm soooooo bummed. I knew it wouldn't last forever, but I'm sure going to miss the 3x UR, and now it will be harder for me to meet the SPG MSR. @pillow I fear you'll be finding the same disappointment soon. If you set up automatic monthly payments there's a chance the outstanding payments will still process. I remember that's what originally happened when most mortgage payments stopped working. But I didn't set it up for future months because I knew I might be switching to a different card for a new MSR soon. Now that the Mr. Cooper loophole (Mr. Coophole?) is closed, I'm rethinking my next step, since I was planning on referring DH to the CIP next month when my AF hits, because I wanted to downgrade mine to the CIC--which after reading 60 pages I see might be in jeopardy?--but it would really be a stretch to meet two $5K MSRs back to back, or simultaneously really.

-----------------------------------------------------------------------------------------------------
Now onto our 4 day weekend in Cleveland. It's not exactly Japan or the Maldives. But we've both been wanting to visit the Rock and Roll Hall of Fame, and we have the points and a CP burning holes in our pockets, so why not? This should probably go in the new thread, but I haven't even ventured over to it yet, so here it is.

We flew Southwest with the CP, stayed at a really cool Hyatt Regency in an amazing building that was originally the oldest indoor mall in America (as in glass-ceilinged atrium, not Payless). It was located downtown among restaurants and shops, and it was walking distance to the museum which was on the banks of Lake Erie. We were given a complimentary upgrade to a City View Room. I have to say that the majority of the time we were there, there was like NO ONE around and everything besides bars closed early. We actually had trouble finding somewhere to go the first night, so we ended up at the movies.

On Saturday, the first full day we were there, we got out of town because Trump decided to also visit Cleveland. We got a note under our door the night before that said if we wanted to get our car out from the valet and exit the area we needed to do it well before 11am because some of the surrounding streets were going to be closed down. We were planning on taking a road trip to Dover that day anyway, so we managed to escape the madness. We visited The Warther Museum, which was absolutely amazing and my personal favorite destination of the trip. Mooney Warther was a master carver who specialized in carving trains, mostly out of ivory, ebony, and walnut, some of the hardest substrates to carve. His trains are exactly to scale, and include every part even if you can't see them. The museum chronicles his life and includes his family's modest home, his teeny tiny workshop, and a beautiful building housing his collection and many displays. If you ever find yourself driving through Ohio, I highly recommend adding the museum to your itinerary. I thought the Hall of Fame museum was well worth the trip as well, since we're both huge music fans. It's huge, and we spent most of Sunday there. Lots of cool artifacts and presentations. We also visited the Wade Memorial Chapel in Lake View Cemetery, which was entirely designed by Louis Comfort Tiffany. The central stained glass window and floor to ceiling mosaic walls were absolutely stunning. It was a quick visit, but so awe inspiring. I'm a budding stained glass artist, so I was very excited to see a masterpiece like that in person. We did entirely too much record shopping, and I met someone in person for the first time that I've "known" for 15 years from a Wilco message board. The internet is amazing sometimes.

On our way home, we got to the Cleveland airport early and used my CSR Priority Pass to eat at Michael Symon's restaurant. Everything we ordered was delicious, but health food it was not. Can't beat free, though, right?

I was waiting for some charges to process before coming up with a final tally to determine our savings. When I got the bill at the Hyatt front desk, there were a bunch of numbers that didn't make much sense. I paid for the room with points. During our stay, I grabbed a soda from the lobby cooler and told them to charge it to the room, and DH drank a bottle of water from the mini fridge, which he didn't realize wasn't free , so I expected two incremental charges for the drinks and valet parking charges of $30 x 4 days (valet was the only parking option and after comparing garages downtown it was still the cheapest way to go). None of those were on the bill, just other random numbers. I asked about the breakdown, and the woman told me, "Yeah, don't pay any attention to those numbers. I don't like printing out the itemized list for people who redeemed points because it never comes out right. Just wait for the emailed receipt and it should be right." I outright asked about the parking fees, and she said they were covered. That sounded crazy to me because I just signed up for the Hyatt account a few weeks before the stay and I have no status or Hyatt credit card. When the email receipt came, it correctly showed that I used points, which I transferred from UR, and no other charges. I know I might still get a bill somewhere down the line, but for right now it seems I may have had some good luck and avoided $120 in parking fees. If so, I won't feel bad about it because I point blank asked about them at the time.

Here is the monetary breakdown. Sorry about the formatting, is there a better way to do this?

EXPENSE...........RETAIL COST....REDEMPTIONS...ACTUAL COST

BDL-CLE 1..........$138.60.............8306 RR..............$5.60
BDL-CLE 2..........$138.60.....................CP..............$5.60
CLE-BDL 1..........$138.60.............8306 RR..............$5.60
CLE-BDL 2..........$138.60.....................CP..............$5.60
EBCI....................$60.00.....................................$60.00

Hyatt Hotel.........$737.58.............2400 UR..............$0.00

National Car........$145.14.............$150 BCP CB......-$4.86

R&R H of F..........$52.00...........Online Discount......$46.00
Warther..............$27.00.......................................$27.00

Dinner at CL........$54.00...............Priority Pass........$0.00
OOP Food..........$158.31.....................................$158.31

Airport Parking.....$42.54......................................$42.54

Gas for rental.......$27.41......................................$27.41

Total..............$1858.38...................................$378.80

In the end, what we did pay out of pocket went toward DH's SPG MSR, so I unfortunately wasn't able to get any bonus URs from the travel expenses or by picking up 5x gift cards ahead of time. But I also received 3000 Hyatt points on my award booking, which I wasn't expecting since this was my first award stay with them. Do you always earn points on award stays?


tl;dr I went to Cleveland and saved almost $1500 because of churning

Thanks for the awesome report! I liked your formatting too, made it easy to read the numbers. Please do add a hotel review on that thread

 

[Albort]

@peel 2400 UR for 4 nights at a hyatt?

 

[peel]

Dang it! Figured it would have to die eventually as people piled on. I did set up auto payments, so will cross my fingers!

Oh please report back, I hope you're good for a few more months at least! I want to look around and see if anyone else has discovered this yet...maybe someone has come up with a creative naming solution. I just can't look at a computer screen for much longer tonight.

 

[peel]

@peel 2400 UR for 4 nights at a hyatt?

3 nights, 4 days.