I love credit cards so much!

[speedyfishy]

We aren't sure if we should get the CIP or CIC.

I guess I'm a little confused on some of the cards and the spending required to get rewards. For example, the CIP says to spend $5,000 on purchases in the first 3 months to get the rewards. What kind of things can we use the card for to make that $5,000? I'm not sure we would be able to meet that high of an amount in 3 months.

If the $5,000 is hard for you. You can do something called Manufacture Spend. I don’t put a lot on a credit card every month so I MS for my bonuses. The CIP is pretty easy to MS. I opened a PNC bank account and the intial funding lets you put it on a credit card for no fee. Just set your cash advance limit to the lowest amount before doing this. You can fund 2k for a checking account and 2k for a savings account and then just pay your credit card bill. You need to leave $300 in savings to be fee free and the checking needs $500 to be fee free. You can close the account with no fee after 180 days.

When you open an account you have the option for going for a bonus as well. I’m going for the $200 one now.

https://www.doctorofcredit.com/pnc-300-checking/

 

[speedyfishy]

There's a new AMEX offer for $15 off $30 at Samsclub.com

https://www.doctorofcredit.com/targ...om&utm_medium=link&utm_campaign=MilesFeed.com

Of course I don’t get this. I got $300 off a $300 Yelp-ads purchase though. How do I even use that? Between this and my indeed offer it’s like Amex thinks I have a real business.

 

[amalone1013]

Of course I don’t get this. I got $300 off a $300 Yelp-ads purchase though. How do I even use that? Between this and my indeed offer it’s like Amex thinks I have a real business.

I have so many like that on my SPG Biz! Yes, let me get right on that...


We got it on all SPG personal cards.

 

[palhockeymomof2]

I applied for DH's CIP just before we went to the family Mother's Day gathering, and we got back around 9pm-ish, talked a bit with the in-laws, then headed to bed since I had to be in at 3am for work, so I just called the status line for the first time. Approved!!

Congrats...I applied for the CIP on Friday and got the 30 day message, called in on Friday, Saturday and Sunday received the 2 week message...checked this morning and I’m approved... now to find the phone number to have the card expedited

 

[Lain]

I applied for DH's CIP just before we went to the family Mother's Day gathering, and we got back around 9pm-ish, talked a bit with the in-laws, then headed to bed since I had to be in at 3am for work, so I just called the status line for the first time. Approved!!

CONGRATULATIONS! Your plan is falling into place!


Is the dance party gif the go-to for credit card approvals now? It's my fav to use!

 

[Lain]

Congrats...I applied for the CIP on Friday []...checked this morning and I’m approved... now to find the phone number to have the card expedited

Another CONGRATULATIONS!


woot woot! Call 1-800-945-2028.

 

[DisneyMandC]

Just applied for CIC for DH! 30 day message, as usual. Time to start the automated calls...

 

[palhockeymomof2]

Just applied for CIC for DH! 30 day message, as usual. Time to start the automated calls...

Good luck !!...I applied on Friday and got the same message, called right a way and it had already changed to the 2 week message, then this morning I was approved !!!

 

[DisneyMandC]

Good luck !!...I applied on Friday and got the same message, called right a way and it had already changed to the 2 week message, then this morning I was approved !!!

HOLY SCHNIKES, I've been approved already!!!!!

 

[palhockeymomof2]

HOLY SCHNIKES, I've been approved already!!!!!

Congrats

 

[disneymagicgirl]

There's a new AMEX offer for $15 off $30 at Samsclub.com

https://www.doctorofcredit.com/targ...om&utm_medium=link&utm_campaign=MilesFeed.com

Thanks for sharing. We only had it on 1 card, but at least it is something. I am going to stack with a Walmart GC (using chase pay for 5x), and put only $30 on the amex...$150 Disney GC of course.

ETA: did this and calculated 18.4% savings. Purchased $112 Walmart e-giftcard with 5x points ($5.60 back). Bought $150 dis GC for $142.98 and put $112 on the GC and $30.98 on amex. Getting $15 back from amex (don't see GC excl in small print). So my total cost is $122.38 for the $150 GC.

I applied for DH's CIP just before we went to the family Mother's Day gathering, and we got back around 9pm-ish, talked a bit with the in-laws, then headed to bed since I had to be in at 3am for work, so I just called the status line for the first time. Approved!!

Glad to see some biz approvals this AM. I was starting to worry about them. When was his last chase biz card?

 

[Lain]

HOLY SCHNIKES, I've been approved already!!!!!

That’s got to be the fastest pending to approval ever!


CONGRATULATIONS to *ahem* your husband!

 

[palhockeymomof2]

I’ve tried searching but can’t find the number to call at Chase to expedite my CIP...could anyone please share ...

 

[DisneyMandC]

CONGRATULATIONS to *ahem* your husband!

"He" is thrilled!

I’ve tried searching but can’t find the number to call at Chase to expedite my CIP...could anyone please share ...

I just call the 800-945-2028 number and usually go through the prompts for lost or stolen card and tell them I have a new card and would like to expedite it. Maybe someone has a better way to get through to them to ask, but they never have a problem with it when I do it that way.

ETA: Actually it may be the "need a replacement card" option. Whatever I thought sounded less like there might be fraud on my account haha

 

[Lain]

I’ve tried searching but can’t find the number to call at Chase to expedite my CIP...could anyone please share ...

Call CIP customer service at 1-800-945-2028.

 

[miztressuz]

What do you put in the box estimated monthly spend on a Amex biz and the annual biz revenue boxes? Also as industry type. Maybe retail trade??

Probably too late for you now, but when I applied the "estimated monthly spend" box wasn't required. I left it blank and got instantly approved. I think other's had you covered on this but I used 1k for my revenue since it requires a 4 digit number now... there's a bit of projection in there

I think that makes more sense. DH and I will just have to decide what we feel comfortable with. Right now he really isn't liking the idea of the AF, but it may end up working in our favor so we will have to see what we choose...
.

I know it'll sound like a Nigerian email scam, but AF's really boil down to: I pay you $95 and then you give me $500. You get a net profit of $405 at minimum on the first year, then after that you can decide if the benefits outweigh the fee on subsequent years. (get's even better if you sign up for an offer that waives the first year fee.)

I am not an AF person, I counted all cashback and points as freebies because I paid no AF or interest or other money to hold and use a CC on most of my cards. But if you want maximum value you may want to pay a small amount to buy points. So I'm now willing to spend the $150 to buy $750 worth of points:
My CSR card I just received has $450 AF (even being logical I'm still on this one but I did it anyway... cuz it's logical)
It comes with a $300 travel credit that I'll use on things I'd have spent $300 on anyway. (so regardless of having the card or not, I'm still spending $300)
This puts the AF at $150 for me, but after just the bonus posts I'll have 50k UR points worth at min $500... but I plan to use it on Travel through Chase so I'll actually get $750 since having the card gives me 1.5x points for that.

Now if you planned to get Global Entry for your trip the CSR also gives a credit for that charge every 4 years. (also works for TSA PreCheck but since you're going international it makes sense to spend the extra $15 and get GE) So pay for your GE application fee of $100 on the CSR and they'll give you a credit for that amount. If you planned to spend that money anyway, then you're now down to paying $50 to buy $750 worth of points.
(I'm kicking myself for not researching this last year when I got my GE I paid my $100 and only got 100 UR points in return )
There are also other cards that give GE or TSAPreCheck credits, just something to keep in mind while you go through your CC options.

So basically I now evaluate the AF's on cards using this formula. How much am I willing to pay to buy X amount of points? If you're ok with that it seems to open up a whole new world of travel and savings.

 

[calypso726]

But don't you just LOVE golden retrievers?! I may be a little biased...

View attachment 322437

There needs to be a “love” instead of “like” option for this! Yes, I may no longer be showing Golden Retrievers and chasing their Championship title but I will always adore the breed!

Ok here is the dog love of my life from a lifetime ago. Yes, his name was Disney.

 

[Lain]

There needs to be a “love” instead of “like” option for this! Yes, I may no longer be showing Golden Retrievers and chasing their Championship title but I will always adore the breed!

Ok here is the dog love of my life from a lifetime ago. Yes, his name was Disney.

View attachment 322442

My uncle used to show Golden Retrievers. They’re the sweetest dogs.

 

[DisneyMandC]

There needs to be a “love” instead of “like” option for this! Yes, I may no longer be showing Golden Retrievers and chasing their Championship title but I will always adore the breed!

Ok here is the dog love of my life from a lifetime ago. Yes, his name was Disney.

View attachment 322442

BEAUTIFUL! I don't think I realized you had shown them. Russell is our second golden. I was so heartbroken after we put my first golden down (old age) that I said I didn't want to get another dog for a long time. I made it a whole 5 months before Russell the puppy busted up into our lives. Four years later and he hasn't slowed down any! I've owned a lot of dogs over the years, but I think we'll always have a golden in our house now. They are just the BEST dogs!

 

[DisneyMandC]

Boy, it's a good morning here! I see DH's CIP is showing I am excepting 21,XXX URs on my next statement from where he referred me! Hopefully my CSP will catch up tomorrow. Someone here used my referral link about 10 days ago and I know they were approved, but the points didn't show up last Tuesday.