I love credit cards so much!

[miztressuz]

Sort of OT but really having a crappy day with the ex because according to angry texts messages from him I'm spoiling the kids and "trying to show them I have money." The truth is I don't "have money" (and he's never paid any support), I just manage my money well (including traveling on points). And I'm waiting on lab results from the vet on a growth removed from my fur baby last week.

That sux, it's hard to let it roll off you even when you know he's wrong We get you though. He's just jealous he's missing out on the cool travel you've taken with your kids by being smart and responsible with your money.
And I hope it turns out ok with the fur baby, fingers crossed all negatives!

 

[Lain]

@DisneyMandC @Lain @disneymagicgirl
Thanks very much - I hadn't really zeroed in on the urgency of getting it through today. Just left DH a message to give me a call and I will tell him to call recon. I tried to call the automated line, but it transferred me to a live person instead of an automated line, so I hung up, figuring they wouldn't talk to me. Testing his will as Player 2 already

Oh good! Sounds like we caught it in the nick of time.

It seems the second app for a CSP almost always goes pending because of a credit line issue. Assuming the applicant already has other credit cards with Chase, then Chase gives them a huge credit line on the CSR (as they often do), it doesn't leave much for the CSP.

Yes, DH should call recon today if it doesn't auto-approve. He needs to get the CSP approved on the same day as the CSR before Chase's system updates with the CSR and denies the CSP for already having a Sapphire product.

If DH has to call in, have him mention he's calling (only) about the CSP application, and what can be done to move the application towards approval. It's likely a credit line issue, in which case he should have plenty of credit on the Southwest card to move over to open the CSP.

(Obviously, you'd don't really want to move credit from the CSR and draw attention to it. We think the Chase phone reps have the ability to “see” a recently approved CSR in their system, but most won’t notice that kind of detail or don’t know about the one Sapphire rule and shouldn’t give DH any problems. There are also DPs where the reps can be talked into pushing the CSP application through despite the earlier approval. If the rep does mention the CSR, and asks why we need the two cards, a lot of us just say we want to separate expenses.)

Chase Credit Card Reconsideration Line: 1-888-270-2127

 

[1st*toright]

Oh good! Sounds like we caught it in the nick of time.

It seems the second app for a CSP almost always goes pending because of a credit line issue. Assuming the applicant already has other credit cards with Chase, then Chase gives them a huge credit line on the CSR (as they often do), it doesn't leave much for the CSP.

Yes, DH should call recon today if it doesn't auto-approve. He needs to get the CSP approved on the same day as the CSR before Chase's system updates with the CSR and denies the CSP for already having a Sapphire product.

If DH has to call in, have him mention he's calling (only) about the CSP application, and what can be done to move the application towards approval. It's likely a credit line issue, in which case he should have plenty of credit on the Southwest card to move over to open the CSP.

(Obviously, you'd don't really want to move credit from the CSR and draw attention to it. We think the Chase phone reps have the ability to “see” a recently approved CSR in their system, but most won’t notice that kind of detail or don’t know about the one Sapphire rule and shouldn’t give DH any problems. There are also DPs where the reps can be talked into pushing the CSP application through despite the earlier approval. If the rep does mention the CSR, and asks why we need the two cards, a lot of us just say we want to separate expenses.)

Glad you guys have my back. We called recon together (which didn't seem to phase the rep, they just got permission from DH for me to be on the phone), they asked some questions about income, how long we'd been at our current address etc. Then he confirmed that the issue was with the credit line, so I asked them to move credit from the SW to the CSP and we were approved.



No mention of the CSR at all on the call, we didn't bring it up and neither did he. So, 8k of spend, here we come. And we are going to go on a really romantic date to get global entry together sometime in the next few weeks, now that we both have CSRs to pay for it

 

[elgerber]

I was gone all weekend, missed about 19 pages or so LOL. Anything exciting I need to know? And now it's only a 4 day week!

 

[disneymagicgirl]

Sort of OT but really having a crappy day with the ex because according to angry texts messages from him I'm spoiling the kids and "trying to show them I have money." The truth is I don't "have money" (and he's never paid any support), I just manage my money well (including traveling on points). And I'm waiting on lab results from the vet on a growth removed from my fur baby last week.

I know the feeling, although I am lucky that DD19's dad doesn't bother contacting me. But yes, he refuses to help with anything because DH makes more money than him. Whatever. One day when DH walks her down the aisle and not him, maybe he will realize his mistakes.
Sorry you are having a rough day.

 

[JKalai]

I'm officially done with using hotels.com for anything. Had an awful experience with the last trip and this past weekend's trip looks like it will need divine intervention too I had booked a room for us and then found a cheaper rate at the same hotel, so I cancelled the first room and rebooked. When I checked into the hotel, they had me down for two reservations. I told the clerk I should only have one reservation so he just checked me in for one of them and canceled the other. Well, now the HIGHER rate I canceled is posted to my credit card, and the lower rate is showing as pending. Hopefully it will drop off. Either way, I'm done with them. I was supposed to have two more hotel stays at the same location this year but I now have an opportunity to split an Airbnb with somebody, so I'll just do that instead and save myself the money in the long run.

The Expedia chain of third party websites are the absolute worst. If you are able to re-book through the hotel directly, the hotel should be able to just re-rate the room rates on your already booked reservation without having to book another room and cancel.

We are very limited on what we can do when third parties are involved.

 

[disneymagicgirl]

Hi everyone. Been away for awhile busy making ms on my new Ink . I did downgrade my CSP to a Freedom a few weeks ago. What is the current bonus category amd when does the next quarter start? Sorry, I'm sure its somewhere on the Chase site but I have a hard time navigating there with this phone.

Current Freedom categories are Grocery stores, Chase Pay and PayPal. Next quarter starts July 1, don't know what those categories are yet, so you still have at least 4 weeks to go to town on this quarter.

And if you need help making the spend this quarter let us know. There are some workarounds with PayPal.

 

[Lain]

Glad you guys have my back. We called recon together (which didn't seem to phase the rep, they just got permission from DH for me to be on the phone), they asked some questions about income, how long we'd been at our current address etc. Then he confirmed that the issue was with the credit line, so I asked them to move credit from the SW to the CSP and we were approved.



No mention of the CSR at all on the call, we didn't bring it up and neither did he. So, 8k of spend, here we come. And we are going to go on a really romantic date to get global entry together sometime in the next few weeks, now that we both have CSRs to pay for it

WooHoo! CONGRATULATIONS!!!

 

[pillow]

Sort of OT but really having a crappy day with the ex because according to angry texts messages from him I'm spoiling the kids and "trying to show them I have money." The truth is I don't "have money" (and he's never paid any support), I just manage my money well (including traveling on points). And I'm waiting on lab results from the vet on a growth removed from my fur baby last week.

Bet he is jealous! Probably nothing you say will matter. PITA! Crossing fingers that your dog is ok.

 

[hsmamato2]

And if you need help making the spend this quarter let us know. There are some workarounds with PayPal.

Any DP on how hard you can hit PP for the category? I mean to DH..... I've made some random PP purchases too, but this last one would be the biggest,and would just be transferred (if I can)

 

[disneymagicgirl]

Any DP on how hard you can hit PP for the category? I mean to DH..... I've made some random PP purchases too, but this last one would be the biggest,and would just be transferred (if I can)

Some here did that last quarter...who was it... @wendow ? @Lain ? Let me see if I can search the thread for it. I think it was all in one transaction.

 

[disneymagicgirl]

Freedom's Q2 5x bonus categories include PayPal transactions up to a cap of $1,500.

PayPal has a feature that lets you transfer money to friends and family for a 2.9% + $0.30 transaction fee. To max out the PayPal category on one card, you'd just send your spouse (or a trusted person) a payment of $1,457.43 + PayPal fees ($42.27+0.30) = $1,500. Spouse deposits the money back into his/her account, or friend gets the money back to you. BOOM. You've maxed out the bonus in one transaction, earned 7,500 UR, and it cost you only $42.57 in fees.

This assumes you don't have other ways of maxing out the Q2 categories, organically and without incurring fees.

bumping for @hsmamato2

 

[havaneselover]

Bet he is jealous! Probably nothing you say will matter. PITA! Crossing fingers that your dog is ok.

He's definitely jealous and complaining a lot about my parents giving the kids money. My mom sends all the grandkids $50 for silly things like Halloween and Valentine's Day. He said he's not okay with the kids getting this money and being told it's theirs (he doesn't think it is since they didn't earn it) and they can spend it how they want. It's "unacceptable" and "crazy."

Okay, I'm done venting!

I appreciate all of the support. You guys and your positive energy are amazing!

 

[WVMomof3]

It's funny cause last week and weekend I was so overwhelmed with the graduation stuff, family and the party, and I was wishing I had the extra week like a lot of my dd's friends had. But once that party was done, wow, the sense of relief was great. Just knowing I was DONE! We spend this weekend attending more parties and at every one of them, I just enjoyed knowing we crammed it in and got it done. Anyways...did you have your party yet, or is it next weekend?? I can't remember. If it's done, how did it go?

I'm going to open an account with a bonus for my dd too but I was also wondering if a 18yo could open an account and earn a bonus? I'm not sure what to do. I haven't looked into it much yet.

Have finally caught up to my post from last night, now 70 more and counting posts to go just from last night! She graduated Friday the 18th and her party was this past Sunday. It went great. Did the taco bar also. Was so worried about thunderstorms. It kept saying high chance all day Sunday but it was super nice! It did pour overnight and we had set up tables in the backyard but ended up moving everything to the drive and garage because there was still puddles all over the yard. But everything turned out well. My older DD graduated on a Friday and we had her party 2 days later. I think the party stressful no matter when you have it! But both parties were over the holiday weekend. Our district always had graduation Memorial day weekend until last year when they decided to bump it back a week. But we have family all over and many traveled 6+ hours so it just made sense to keep the party over the holiday weekend. Since you shared your graduation pic, I will attempt to share mine. Have never posted a photo before.

 

[WVMomof3]

Apparently I still don't know how to add a photo.

Eta Fixed it! Yay! But it is huge. ack My DD will forever hate me for posting her photo here. lol

 

[SouthFayetteFan]

Did you already do the double dip? Almost every DP says you need to get the CSR and CSP approved on the same day.

I thought a few weeks ago there were numerous DPs on Reddit that you actually didn’t have to get approved same day (but you do need to apply same day). Not that I’d advise anybody to risk that tho lol.

 

[Disneyonmymind]

Bummer! I submitted the CSR application and it was not instant. I got the 30 day message. Should I just call right now?

 

[wendow]

Bummer! I submitted the CSR application and it was not instant. I got the 30 day message. Should I just call right now?

You are fine but yes, call right now and get that app approved.

 

[Disneyonmymind]

OK Freaking out here. The automated line doesn't even recognize my SSN

 

[wendow]

Have finally caught up to my post from last night, now 70 more and counting posts to go just from last night! She graduated Friday the 18th and her party was this past Sunday. It went great. Did the taco bar also. Was so worried about thunderstorms. It kept saying high chance all day Sunday but it was super nice! It did pour overnight and we had set up tables in the backyard but ended up moving everything to the drive and garage because there was still puddles all over the yard. But everything turned out well. My older DD graduated on a Friday and we had her party 2 days later. I think the party stressful no matter when you have it! But both parties were over the holiday weekend. Our district always had graduation Memorial day weekend until last year when they decided to bump it back a week. But we have family all over and many traveled 6+ hours so it just made sense to keep the party over the holiday weekend. Since you shared your graduation pic, I will attempt to share mine. Have never posted a photo before.

So glad your party went well and the weather was good! Our weather was awful. Had we had the party this past weekend, it would have been gorgeous. So weird. Our district always has done Memorial Day weekends graduations too but moved it up to the weekend before just this year. We homeschool but my dd went part time for high school so she was allowed to participate.

You and your dd are so pretty and you look like such a proud Mama! She never has to know her pic is on the DIS lol!