Congrats! This DP is also encouraging to me, because my stats are similar. I have CIP $12K CL opened 9/2017, and Marriott Biz $5K CL opened 2/2018. I lowered CLs on a few of my personal Chase cards last Friday as well to prep for applying for CIC. I don't know if that's enough time for those lower limits to show on my credit report but at least they will be in Chase's records if I need to recon. I'm waiting until Friday because I got SPG personal on 4/18, so on Friday it will be 30 days.
Wow you really drove that far for a play?! That's crazy. We are lucky to have a big theater near us where all of the shows are held.
It wasn't actually a far distance, but we're in Brooklyn and the play was in Manhattan. Traffic was terrible going into/out of midtown (as usual). It would be a lot faster to take the subway, but we'd need A LOT of chaperones to do that with the whole third grade. And it'd be super stressful for the adults. As it was, we ended up getting off the bus and walking the last 2 blocks to the theater so we wouldn't be late for the show and that was stressful enough with our group of 27 kids and 4 adults.
I remember that, and I’m still so sorry. But at least settling for 25k SPG looks pretty smart next to the $200 statement credit, $100 of which requires you to make a purchase at an actual Starriott hotel.
True, 25K SPG points is a much better bonus than a $200 statement credit. But if they do go back to point bonuses on that card, I don't even want to know what it is since I won't be able to get it.
I hate handling cash too. My kiddo’s PTA accepts PayPal and Venmo!
Our PTA accepts PayPal, but field trip money goes to the teacher and has to be cash. At least I can pay for after school programs with a CC through PayPal, since that's run by the PTA. And it's not cheap!
Few things to report.
The bonuses for DH and my Memory Bank accounts just posted! That was a pretty easy $200. I just pushed $200 from our Chase checking to each Memory Bank account, once per day for 3 days in a row. For those interested in trying out bank bonuses, this is a great one to start with since it has no fees and you can fund $500 with a credit card. Find info here:
https://www.doctorofcredit.com/memorybank-100-signup-bonus-earnmore-1-6-apy-checking/
For Memory Bank, the names did have to match on the bank account and credit card.
This is good to know. I signed up for a Memory Bank account for myself, but didn't think about doing one for DW as well. I'll wait until I (hopefully!) get a CIC since I can get her an employee card to fund it without affecting her 5/24 status.
are u willing to place ur money in multiple accounts? there are a few 5% accounts that hold only 5k with no debit transactions. u just need to ach $1 or any amount to keep the account active. i would get those first.
i have a 3% at consumer credit union. it’s up to 10k. 12 debit transaction, i do $.50 reloads on
amazon.
i know there’s another 3% up to 15k with 15 transactions. i forgot what bank though.
I need to look into higher interest bank accounts. I've had CapOne360 checking & savings accounts since it was still ING Bank and have just kept it, even as the interest rates continued to decrease, because I have so many things set up on those accounts. I will probably keep CapOne as my main checking account that bills are paid from, since that money doesn't sit in the account for very long, but would like to move my various savings accounts (especially the kids' accounts) into something that will earn more interest.
When it's annoying it's bad, but when it's good it's really good.
