I love credit cards so much!

[peel]

I got Lowe’s and Staples on 1 Card. No Hilton despite Amex Hilton Card and the fact I’ll actually be staying at a Hilton this weekend.

And I have the Hilton offer on all of my cards including SPG, which I find funny being a competitor and all. I wish I could transfer them over to you!

 

[havaneselover]

Thanks to all this Hamilton chatter I just bought our Hamilton tickets for our London trip in November. We are actually going on Thanksgiving! I booked our flights using UR points flying into London and out of Paris. We are taking our 3 boys and have AirBnBs booked for both places using Venture points. This will be our boys first International trip and my first time to London and Paris. So excited.

I’m hoping to do this same trip next summer and Hamilton tickets are on our wish list.

 

[amalone1013]

I got Lowe’s and Staples on 1 Card. No Hilton despite Amex Hilton Card and the fact I’ll actually be staying at a Hilton this weekend.

Its so weird how they do that... it feels like they know. We got Hilton on every SPG card. Including DHs employee card. And the others were on both biz cards plus the employee card.

 

[disneymagicgirl]

Regarding the AmEx offers on business cards that came out today - I got Exxon and Staples earlier when I checked. I just got an email from AmEx to my business account "Increase your savings with Amex Offers for your business" I think this is because the Open program ended yesterday (I think it was 5/31 it ended?). In there it mentioned all the offers reported earlier today but also says to add these offers to your Card by visiting americanexpress.com/domorebusiness

When I did that it showed offers from Lowe's and Dell which were not there earlier when I logged in the normal site. Supposedly some people got an FedEx offer, still didn't get that one (i'd use that)

@CyndiLouWho did you try accessing them this way? I got several more to come up from that link.

I got Lowe’s and Staples on 1 Card. No Hilton despite Amex Hilton Card and the fact I’ll actually be staying at a Hilton this weekend.

 

[eeyoreland]

I think you'd be fine, in only my opinion , if you're not going for the double dip the only thing it hurts if denied is a hard pull on possibly 2 credit reports. It would put you at 5/24 so you're out of the chase game until that first SW card drops off (assuming you don't get any more cards that report) so if that's the last one you want for yourself for a while then may as well. Probably couldn't hurt to wait until after 60 days at least since your last application. I think 90 is recommended but not necessary. I got approved for my CIC (business) a little over 30 days from my last application (personal) but I wouldn't recommend it!

If you decide later you want the other or like the CSP and just want another bonus, DH could try for it (either the CSR or using your referral the CSP) and then double dip his last spot for the CP (putting him at 6/24 and done for a while as well). CSP is supposedly more lenient than the CSR, which makes sense given the "class" they are trying to attract with each card. So if not sure DH would qualify for CSR, then another CSP bonus doesn't hurt. Or if there was another card you were looking for within or without of Chase then he's got one open spot for it.

Thank you for your insight!

 

[eeyoreland]

Hi there! I am guessing you didn't get the SW CP with your 2 cards since the 1st one was 11 months ago? So for your DH that would be my priority, if you 2 would make good use of it. So I might have him just plan on getting that late this year, with the points posting all in early 2019, so that the CP is good for 2019/2020.
If the CP isn't useful to you, then he could double dip the CSR/CSP now. I am not sure how qualified he Is for the csr, since you mentioned the short credit history, but it doesn't hurt to try. The plan for one of those cards would be to downgrade one to the CF after a year.

If you go the DH route, those MSRs will keep you busy for a bit.

Then, once you meet those, you could go for a double dip yourself. That would space out your dd from your most recent chase app, and after it you'd be 6/24 and done for awhile. You'd want to make sure you use DH's referrals from his DD to get yours so you get the referral points too.

Those 4 cards should keep ya'll busy for several months. good luck!

Thank you. No, I didn't get the CP because I didn't know about this "hobby" until recently. I appreciate all of your suggestions.

 

[elgerber]

And I have the Hilton offer on all of my cards including SPG, which I find funny being a competitor and all. I wish I could transfer them over to you!

I have the Hilton on pretty much every card I have too.

 

[wendow]

I have the Hilton on pretty much every card I have too.

Same! I don't really need it either. Wish I could give it to someone else who could use it.

 

[Albort]

Check your Amex business cards for New 10% Amex Offers: Staples, Lowe’s, Exxon Mobil & Dell. Staples and Lowe's sell gift cards. I̶ ̶o̶n̶l̶y̶ ̶g̶o̶t̶ ̶E̶x̶x̶o̶n̶,̶ ̶b̶u̶t̶ ̶I̶'̶l̶l̶ ̶t̶a̶k̶e̶ ̶i̶t̶.̶

ETA: I checked again, and found Staples, Lowe's, Exxon, and Hilton on my biz cards. Don't know if it just loaded later or I just needed coffee.

i got Staples, Lowes and Exxon Mobil
Staples and Lowes... MS heaven!!!!

 

[khmorgan]

AF just hit for the CSP, time to call and PC to CF. SW just fell off putting me at 3/24. CIP arrived. It's been a pretty good day card wise!

 

[CyndiLouWho]

I feel like I’m the only one on this thread who hasn’t seen or will be seeing Hamilton in the near future

I haven’t. I mean I’d go if someone bought me tickets but otherwise no plans to go.

 

[CyndiLouWho]

@CyndiLouWho did you try accessing them this way? I got several more to come up from that link.

I did and got FedEx but I have no use for it.

I did however check out the upgrade offer in my Hilton Card. So is it worth 2k MSR & $95 AF for 75k Hilton points?

 

[Artygal90]

These mailers are being shared and traded on /r/churning. I've never used one, but the basic idea is the code gives you access to the higher offer, but you absolutely must apply under your own name and information, not your friend's business because you have no authority to apply on behalf of that business. Whether you get approved or not is based on the information you provide on your app and from your credit reports. If you use the mailer code to apply for yourself, with your own information, it should have no effect on your friend's business. If you do decide to use the code to reapply for the CIP, be sure you've given yourself 31 days since your last credit card application with Chase because business credit cards have a 0/30 rule (no approval unless you've had 0 applications in the past 30 days).

Cool, thanks for the clarification. I'll check tomorrow but I have a feeling the most recent mailer offer will expire before I'm down to 0/30.

On the upside, I got a letter about my CIP application - they need me to verify my birthdate, so I'm going to call on Monday to ask if I can fax or email in documents rather than snail mail them. Hopefully this is a good sign! ::fingers crossed::

 

[Disneyonmymind]

My new CSR is here and in use. YAAYY! Now, I am wondering how soon I can move my DH’s CIP points over to this new card? I remember recently seeing a scary anti-pooling rumor that resulted in the advice to move your points ASAP to the highest redemption value card. Just not sure if I can do this right away or do I wait till I earn some points on this card?

 

[vanjust14]

My new CSR is here and in use. YAAYY! Now, I am wondering how soon I can move my DH’s CIP points over to this new card? I remember recently seeing a scary anti-pooling rumor that resulted in the advice to move your points ASAP to the highest redemption value card. Just not sure if I can do this right away or do I wait till I earn some points on this card?

I moved mine right away with no issues

 

[Lain]

Cool, thanks for the clarification. I'll check tomorrow but I have a feeling the most recent mailer offer will expire before I'm down to 0/30.

On the upside, I got a letter about my CIP application - they need me to verify my birthdate, so I'm going to call on Monday to ask if I can fax or email in documents rather than snail mail them. Hopefully this is a good sign! ::fingers crossed::

Tough choice because on the upside, your CIP denial looks like it’s just for verification. You should call recon to see what they need, then your application status will likely change to approved.

However, if you are approved for the CIP under your original application for the 80k UR offer, you likely won’t be able to apply for another CIP under the 120k UR offer.

- Chase business cards like the CIP is subject to the 0/30 rule, meaning you can’t have made another Chase application in the past 30 days.

- There is restrictive language in the CIP terms that will deny you for that card if you already hold that card or received a bonus on that card in the past 24 months.

- People get around this and get 2 (or even 3) CIPs (for the very lucrative signup bonus) by applying for one under their SSN, a second under an official EIN (and even a third using another EIN). Since Chase views these applications as from different business “entities,” these different businesses can each get approved for their own CIP.

- Generally, its a good idea to space out your applications to avoid a Chase shutdown. For business applications, it’s advised to allow even more time between applications to be safe- personally, I think 3-6 months. (This is really more of a precaution and not a hard rule. People here have gotten a second Chase business card a month or two after getting their first Chase business card.)

If you proceed with your first application, you’re choosing a likely to be approved 80k UR offer over trying for a higher 120k UR in about a month.

You could ask Chase to close the current application and try for the 120k UR offer after 30 days since submitting your first application.

Given the above, it’s possible you could get approved for the 80k UR offer now and still go for the 120k UR offer later, if those mailers keep coming, but you’d have to sign up for an EIN to apply for a second CIP, and give yourself at least 3-6 months (the longer, the better) before applying for another Chase business card.

 

[Lain]

My new CSR is here and in use. YAAYY! Now, I am wondering how soon I can move my DH’s CIP points over to this new card? I remember recently seeing a scary anti-pooling rumor that resulted in the advice to move your points ASAP to the highest redemption value card. Just not sure if I can do this right away or do I wait till I earn some points on this card?

Agreed with @vanjust14 — move them right away, and set a reminder when each of your household’s UR-earning cards’ statements close every month so you can transfer those points to the CSR as soon as they become available.

Set up your DH’s CIP to transfer to his new card — should only require last name and the CSR’s card number (last four digits?).

 

[miztressuz]

Same! I don't really need it either. Wish I could give it to someone else who could use it.

This Hilton GC offer? Technically if you're trusting and all they want is the discounted GC and not necessarily the CC points that go with it, you could buy it and actually "gift" it... and if somehow you were gifted an equal value in return (purely in the interest of social convention regarding gift giving reciprocity) ....

My new CSR is here and in use. YAAYY! Now, I am wondering how soon I can move my DH’s CIP points over to this new card? I remember recently seeing a scary anti-pooling rumor that resulted in the advice to move your points ASAP to the highest redemption value card. Just not sure if I can do this right away or do I wait till I earn some points on this card?

Yippee, let the spend begin! So that was pretty good, about 3 days to receive, keeping positive data points for 2-3 days for the CSR. They really want you to get started

 

[disneymagicgirl]

i got Staples, Lowes and Exxon Mobil
Staples and Lowes... MS heaven!!!!

Do you plan to buy GC and resell them?

 

[disneymagicgirl]

I did and got FedEx but I have no use for it.

I did however check out the upgrade offer in my Hilton Card. So is it worth 2k MSR & $95 AF for 75k Hilton points?

In my world, 70k hilton points is 25% of the way towards a 5 night stay (5th night free/70k night) at our favorite beachfront resort that runs $300-500/night during beach season. So I'd say yes, if you have a trip in mind.