I love credit cards so much!

[JAMIESMITH]

My sister has been using a debit card for all of her purchases and recently starting asking my opinion about a CC to get. I suggested the CIP since her biggest expense is daycare and they don't take CC, so I told her about Plastiq. She finally came around to the "business" card idea, but then got the 30 day notice when she applied last night. Now she's freaking out! That's not necessarily a bad thing, right? I gave her the number to check the status, but it's still saying 30 days.

I’m intrigued...what is Plastiq and how does it work with a daycare that only takes checks?

 

[Lain]

I’m intrigued...what is Plastiq and how does it work with a daycare that only takes checks?

We have a writeup on /r/DISchurners.

 

[schmass]

I’m intrigued...what is Plastiq and how does it work with a daycare that only takes checks?

Plastiq will send a check to a recipient on your behalf. So you can use your CC to pay even if the recipient doesn't accept CC payments. There is a 2.5% fee, but the CIP codes as 3x UR (as of right now), and therefore you come out ahead. As @Lain mentioned, there is a detailed writeup of this on the reddit dischurners site.

 

[calypso726]

Did you hold a baby panda?

No we didn’t. They banned the practice at the research center and most of China. I think there is still one place in the country that does allow it but it is far away from where we are. I don’t recall if it was because people were getting the pandas sick or pandas were getting people sick but that had something to do with the ban.

 

[CyndiLouWho]

No we didn’t. They banned the practice at the research center and most of China. I think there is still one place in the country that does allow it but it is far away from where we are. I don’t recall if it was because people were getting the pandas sick or pandas were getting people sick but that had something to do with the ban.

I hadn’t heard that. It used to be an extra $150-200 to hold a baby panda. Personally as an animal person, I thought it was questionable. The pandas need to be pandas, and breed and do panda stuff, not be stuffed animals

 

[CyndiLouWho]

Can someone here put together the steps they took to book/payfor/transfer a cruise booking? I mean thru Costco or using UR (or both together?) or am I confusing the two methods? I'm trying to get a picture of how everyone is saving on the cruise things, and are these all Disney cruises,or any cruise?

You can book with Costco or Chase as a travel agent, or you can book thru Disney (or whatever line you prefer) and then transfer to Chase or Costco. It’s either Chase or Costco, not both. Costco gives a cashback Card after you sail, Chase let’s you apply URs one time. You can also use URs as cash by applying them to your statement but the return is not as good.

I booked thru DCL, then transferred to Costco. After the cruise, I will get a $450 Costco cash card and 2% back. I’m using a combo of discounted Disney GCs, cashback cc’s, and bank bonuses to save $. I’m saving URs for booking excursions as many are available thru Chase portal.

 

[SBWB48]

With no trips planned this holiday weekend, we've been playing tourist in the city. Yesterday, we spent an afternoon at Fisherman's Wharf and Pier 39. Since @SBWB48 is headed this way next month and is staying in the area, she might want to check out the Musée Mécanique at Fisherman's Wharf, like Princess Mia took her grandmother in The Princess Diaries. The museum's current location is not the same as in the film -- it had to move several years ago -- but it still has a lot of the old arcade games you'd have seen on screen. It's free to visit, but bring small bills to get change for the games. And also swing by the docks next to Pier 39 to watch the sea lions for a bit. They're fun to watch and some might remind you a little of Fluke, Rudder, and Gerald from Finding Dory.

ETA: And Mister Jiu's, which I mentioned in my earlier suggestions of things to do in SF, got some fresh love recently with a 3.5 star review from the Chronicle.

Thanks, @Lain! We are super excited to be in your neck of the woods next month! Will have to add both to the growing to-do list

Definitely planning on spending some time at the wharf, stopping by the farmer’s market, eating til we roll out of Chinatown, game at AT&T park, amongst other things. All in 3 days before heading to DL

Bought a SF explorer pass from Costco, so more things to keep us busy with

Just got our Alcatraz tickets too! So much for a more leisurely pace on this of our trip hehe

 

[Lain]

@miztressuz - OMG! LOCUTUS OF BORG?!

 

[hsmamato2]

You can book with Costco or Chase as a travel agent, or you can book thru Disney (or whatever line you prefer) and then transfer to Chase or Costco. It’s either Chase or Costco, not both. Costco gives a cashback Card after you sail, Chase let’s you apply URs one time. You can also use URs as cash by applying them to your statement but the return is not as good.

I booked thru DCL, then transferred to Costco. After the cruise, I will get a $450 Costco cash card and 2% back. I’m using a combo of discounted Disney GCs, cashback cc’s, and bank bonuses to save $. I’m saving URs for booking excursions as many are available thru Chase portal.

Thanks! NOw to use a dis gc, that's applied whenyou book,right? after you transfer to coscto, you can't use those,correct? so you pay partially in dis gc,then transfer,finish paying,get 2% back plus cash card? that's great

 

[jhoannam]

I've been bored tonight and was playing around on award hacker. Like a lot of you I'd like to take my family to Hawaii in the next year or two, so I was just looking to see what kind of points we'd need for this trip. This is the first time that I've been on award hacker and I picked a couple of dates randomly this summer just to have dates to play with. It came back as I could fly from Atlanta to Honolulu for 25K Korean Airmiles. Now I know that I can use Delta Miles to fly Korean or I can transfer UR points to Korean. It looks like UR points transfer 1:1 to Korean so it would be 25K UR points RT per ticket. However when I pull up the same dates on Delta its 92K Skymiles. It seems too good to be true, that it would be a no brainer to use the UR points. What am I missing?

Delta doesn’t release too many award flights to KE, I’ve been able to find some availability on KE for 25k but it can be a difficult. Million Miles Secrets has a good step-by-step instruction.

 

[pillow]

I hadn’t heard that. It used to be an extra $150-200 to hold a baby panda. Personally as an animal person, I thought it was questionable. The pandas need to be pandas, and breed and do panda stuff, not be stuffed animals

Wish I could "like" this statement about 5 million times!!

 

[CyndiLouWho]

Thanks! NOw to use a dis gc, that's applied whenyou book,right? after you transfer to coscto, you can't use those,correct? so you pay partially in dis gc,then transfer,finish paying,get 2% back plus cash card? that's great

Costco takes Disney GCs, Visa or Mastercard even after booking.

ETA I paid the deposit with DCL when I booked online. Then transferred to Costco. Everything else is paid to Costco. The Paid in Full date for Costco is a week or two before Disney PIF date, so they make sure everything goes thru by Disney’s date.

 

[mmmears]

Late again but want to confirm that Costco reimburses us the difference when our exec. membership doesn't pay off. So we get it every year since there is really no downside (compared to the regular membership).

Oh, and in addition to the many things mentioned, there's also a nice Walt Disney Family Museum in San Francisco in case not everyone knows that already. I've been twice and could easily go again. Just had to add that in since this is a Disney board after all.

 

[afan]

I was in the band actually lol. After I graduated my parents and I continued going to every game on Friday nights and now my older daughter comes too. I just really enjoy following the team

What did you play? Clarinet here but I was a sports fan before band, plus our teams weren't good when I was in school.

 

[JAMIESMITH]

Plastiq will send a check to a recipient on your behalf. So you can use your CC to pay even if the recipient doesn't accept CC payments. There is a 2.5% fee, but the CIP codes as 3x UR (as of right now), and therefore you come out ahead. As @Lain
mentioned, there is a detailed writeup of this on the reddit dischurners site.

Thank you! How do I get added to that page? My username is WJDSmith

 

[wendow]

DO you have to ask them for the refund? I need to check on this..

Yes, you do have to ask. If you are executive, and receive a refund check that is less than the membership difference, just take the check to customer service and ask for the refund. It's very easy and don't have to fight for it at all.

 

[wendow]

Thank you! How do I get added to that page? My username is WJDSmith

Tagging @SouthFayetteFan @Lain @Albort

 

[Lain]

Thank you! How do I get added to that page? My username is WJDSmith

You've been added! Please join us at http://www.reddit.com/r/DISchurners/ !

 

[Lain]

So it looks like MPX pass through coding is back on Chase Visa cards, at least for dining.

When you purchase an eGift card on the MPX app, MPX passes through how that purchase codes to the category of the merchant for which you were buying the gift card.

So if you bought a gift card for Panera Bread or Starbucks, MPX would pass the coding on that transaction to these restaurants' "Dining" category, and you'd earn the dining category bonus if you were paying with the CSP and CSR (2x and 3x UR respectively).

Several DPs on reddit last week reported this coding method is back on MPX. Back around March, MPX stopped triggering pass through bonus categories and earned only the base points on Chase cards regardless of the category of the gift card's merchant. I purchased a Starbucks gift card last week and it coded for 3x UR (I also earned 1 UA mile/$1 + a 25% mileage bonus because I have an United card attached to my MPX account).

I've yet to see DPs for "travel" gift cards like Uber or AirBnB, which should also trigger 2x UR on the CSP and 3x UR on the CSR/CIP; or "office supply" gift cards like OD/OM/Staples, which should trigger the 5x UR category bonus on the CIC. I'll keep an eye out for more DPs and may purchase them myself if the need arises.

 

[disneymagicgirl]

@miztressuz You have an avatar!!! Finally, for real, you got one! You clearly are trying to resist the peer pressure here But I sense it's futile... love it!

hahaha! That was not there when I went to bed last night. I love it too!