I love credit cards so much!

[DCLDVC1]

NSFW
https://www.reddit.com/r/churning/comments/50qwm5/chase_knows_how_we_feel_about_their_af/

 

[platamama]

Thanks to all who post here! I really am going to have to figure out some kind of manufactured spending or else we will be stocking up on grocery store and gas gift cards.

Be cautious with the Visa/MC gift card purchases. I had a $500 Visa gift card that I bought at my local Kroger, which somehow ended up being hacked. The package was unopened, I'd held onto the gift card for two months until I wanted to use it. When I opened up the gift card to make a purchase, the cashier informed me there was only $11 on it (not enough to cover my purchase). I had to go through 4 months of back and forth phone calls and faxes with US Bank to eventually recover my money (and meanwhile drew $500 out of savings). Someone had made a purchase in a Walmart in a state 1000 miles away using the gift card information from an unopened gift card package! Since then I've stopped buying them, and only buy specific store (Amazon, Ebay, etc.) gift cards.

I guess the mistake I made was in not opening up the package right after I bought them and using them right away.

Also, if you are making a purchase that you want the credit card extended warranty for (e.g. appliances, TVs, computers, etc.), do not use a gift card to pay for it.

 

[calypso726]

Question, what are the best hotels for WDW nights on the Marriott and IHG cards respectively? I love my IHG perks (free nights at DL this year!) but unsure of options near WDW for these brands.... (as for Starwood,hello Swan and Dolphin!)

We have stayed at the Courtyard, Spring Hill and Fairfield in Marriott Village and all were clean. Spring Hill and Fairfield offer free breakfast.

I haven't had the IHG card for a year yet so we haven't used that particular perk. However we may be using it for for a pre might stay in Rome next year during our Adventures by Disney trip to Italy. I'm really looking forward to redeeming the annual nights for a stay in Bora Bora. Overwater bungalows here we come!!!!

 

[Harleybella]

What credit cards with the best rewards do yall recommend? We have been tossing around the idea just for the points with purchases! We don't fly much, mostly drive when traveling!

 

[calypso726]

What credit cards with the best rewards do yall recommend? We have been tossing around the idea just for the points with purchases! We don't fly much, mostly drive when traveling!

That answer would depend on what the card holder values and can use to best suit their needs. If you do not fly much then a variable travel points rewards card or airline credit card with a high annual fee would not suit your needs. Is there a hotel chain you frequent? Is cash back in a particular category of spending that has a higher bonus category a benefit or cash back for all spending? It really depends.

 

[SMorgan711]

We have stayed at the Courtyard, Spring Hill and Fairfield in Marriott Village and all were clean. Spring Hill and Fairfield offer free breakfast.

I haven't had the IHG card for a year yet so we haven't used that particular perk. However we may be using it for for a pre might stay in Rome next year during our Adventures by Disney trip to Italy. I'm really looking forward to redeeming the annual nights for a stay in Bora Bora. Overwater bungalows here we come!!!!

I would looooooooooooooooooooooove to go to Tahiti!!!!!!!!!

question for the annual nights.... do they expire? say I get 1 free night per year. Could I save the nights for 5 years and pool those 5 nights to use in one trip? I don't have a hotel credit card yet but am looking to get one.

 

[elgerber]

I would looooooooooooooooooooooove to go to Tahiti!!!!!!!!!

question for the annual nights.... do they expire? say I get 1 free night per year. Could I save the nights for 5 years and pool those 5 nights to use in one trip? I don't have a hotel credit card yet but am looking to get one.

The Marriot free nights have an expiration date. I think they are valid for 6 months.

 

[peel]

DH got instant approval for CSR even after he just opened a CSP in May! I never thought I'd be excited that Chase allowed me to instantly owe them $450.

My question is, what do we do with his CSP? Should we try to have it downgraded? He already has a Freedom, will they downgrade the CSP to a Freedom Unlimited? Do they ever let you switch to co-branded cards like a Disney Visa?

 

[CaterFamily]

Just had a pre approval emailed to me for the Platinum Business Amex...went from the Green Amex Open to Platinum...hello world!

DH got instant approval for CSR even after he just opened a CSP in May! I never thought I'd be excited that Chase allowed me to instantly owe them $450.

My question is, what do we do with his CSP? Should we try to have it downgraded? He already has a Freedom, will they downgrade the CSP to a Freedom Unlimited? Do they ever let you switch to co-branded cards like a Disney Visa?

I don't think they do the branded cards but the CFU is a good one for a constant 1.5%

 

[Alice Sr.]

I applied for the IHG, I didn't think it was a Chase or I wouldn't have applied since I just applied and was approved for the CSR. I got an instant "we need more time", followed by an email indicating I would hear from them within 30 days with either a card or a letter with the reason I was denied. I really wanted to get it because I will be spending the next 60 days at a Holiday Inn Express .

Can anyone tell me how long it took to receive the CSR after they were approved? I have to pay for my DD's wedding flowers by the 14th, plus will missing out on points for my hotel beginning Monday. A week ago I was pretty much clueless about the benefits of points, today I am obsessed.

 

[Albort]

I applied for the IHG, I didn't think it was a Chase or I wouldn't have applied since I just applied and was approved for the CSR. I got an instant "we need more time", followed by an email indicating I would hear from them within 30 days with either a card or a letter with the reason I was denied. I really wanted to get it because I will be spending the next 60 days at a Holiday Inn Express .

Can anyone tell me how long it took to receive the CSR after they were approved? I have to pay for my DD's wedding flowers by the 14th, plus will missing out on points for my hotel beginning Monday. A week ago I was pretty much clueless about the benefits of points, today I am obsessed.

Call Recon...

 

[CaterFamily]

I applied for the IHG, I didn't think it was a Chase or I wouldn't have applied since I just applied and was approved for the CSR. I got an instant "we need more time", followed by an email indicating I would hear from them within 30 days with either a card or a letter with the reason I was denied. I really wanted to get it because I will be spending the next 60 days at a Holiday Inn Express .

Can anyone tell me how long it took to receive the CSR after they were approved? I have to pay for my DD's wedding flowers by the 14th, plus will missing out on points for my hotel beginning Monday. A week ago I was pretty much clueless about the benefits of points, today I am obsessed.

You can always call in to Chase and ask for another card expedited - not sure if it costs or not. I've done this 24 hours after approval to allow for the initial card to ship standard USPS.

 

[Alice Sr.]

Call Recon...

I just found the number in a previous post and will give them a call.

You can always call in to Chase and ask for another card expedited - not l sure if it costs or not. I've done this 24 hours after approval to allow for the initial card to ship standard USPS.

Thanks for this, I will call the recon # and also ask about getting another CSR card expedited.

 

[CaterFamily]

I just found the number in a previous post and will give them a call.



Thanks for this, I will call the recon # and also ask about getting another CSR card expedited.

FWIW: I literally just got off of the phone with Chase for my business Ink+ card. I was approved on the 25th of August - still no card. They're expediting that one 1-2 business day. I would imagine that a HVC like the CSR would be able to be shipped expedited for no cost or worry. Just tell them you have a decent sized purchase that you want on that card and would be super happy if they sent it quickly.

YMMV (as always)


#Trainingwheel_pro

 

[calypso726]

I would looooooooooooooooooooooove to go to Tahiti!!!!!!!!!

question for the annual nights.... do they expire? say I get 1 free night per year. Could I save the nights for 5 years and pool those 5 nights to use in one trip? I don't have a hotel credit card yet but am looking to get one.

Overwater bungalows are on DH's bucket list. My job is getting us there with as little out of pocket as possible. His criteria is clear water that allows you to see to the bottom. That means the Poly at WDW is out So it's either Tahiti or the Maldives. Yes, they do expire and you must use it or lose it each year. One thing I really like about the Club Carlson card is that hey give you 40K points every year which you can let pile up as needed.

DH got instant approval for CSR even after he just opened a CSP in May! I never thought I'd be excited that Chase allowed me to instantly owe them $450.

My question is, what do we do with his CSP? Should we try to have it downgraded? He already has a Freedom, will they downgrade the CSP to a Freedom Unlimited? Do they ever let you switch to co-branded cards like a Disney Visa?

That depends. If you plan on keeping the CSR then product change the CSP to a Freedom Unlimited. If you don't plan on keeping the CSR then hold tight and when the annual fee comes due next year, product change the CSR to the Freedom Unlimited. The break even point for keeping the CSR over the CSP is annual spend of $3200 in dining and travel.

I applied for the IHG, I didn't think it was a Chase or I wouldn't have applied since I just applied and was approved for the CSR. I got an instant "we need more time", followed by an email indicating I would hear from them within 30 days with either a card or a letter with the reason I was denied. I really wanted to get it because I will be spending the next 60 days at a Holiday Inn Express .

Can anyone tell me how long it took to receive the CSR after they were approved? I have to pay for my DD's wedding flowers by the 14th, plus will missing out on points for my hotel beginning Monday. A week ago I was pretty much clueless about the benefits of points, today I am obsessed.

You are allowed to apply for 2 Chase cards within 30 days. The 30 day message is not necessarily a denial. The 7-10 day message is. I would call recon. It may be a matter of moving credit lines. If asked why the two card apps, tell them about your next 60 days at Holiday Inn that you just found out about and that you wish to keep your personal expenses separate from business expenses. The CSR was needed for all of the dining and travel expenses, primary car rental insurance, Priority Pass lounge access for your entire family when you travel, blah blah blah and say anything about why you needed both cards so close together other than bonus points.

FWIW: I literally just got off of the phone with Chase for my business Ink+ card. I was approved on the 25th of August - still no card. They're expediting that one 1-2 business day. I would imagine that a HVC like the CSR would be able to be shipped expedited for no cost or worry. Just tell them you have a decent sized purchase that you want on that card and would be super happy if they sent it quickly.

YMMV (as always)
#Trainingwheel_pro

Congrats on the Ink+! My mom got her CSR card yesterday even though they told her 2 weeks. There are many that have tried to get the card expedited and were unable to do so. Chase ran out of metal cards to issue as hey didn't expect to have the volume of applications that they have had for this card which may have been the cause for the initial delay LOL So they are now issuing plastic cards.

 

[SMorgan711]

Overwater bungalows are on DH's bucket list. My job is getting us there with as little out of pocket as possible. His criteria is clear water that allows you to see to the bottom. That means the Poly at WDW is out So it's either Tahiti or the Maldives. Yes, they do expire and you must use it or lose it each year. One thing I really like about the Club Carlson card is that hey give you 40K points every year which you can let pile up as needed.



Congrats on the Ink+! My mom got her CSR card yesterday even though they told her 2 weeks. There are many that have tried to get the card expedited and were unable to do so. Chase ran out of metal cards to issue as hey didn't expect to have the volume of applications that they have had for this card which may have been the cause for the initial delay LOL So they are now issuing plastic cards.

I am with your husband!! Definitely on the bucket list. It just looks so beautiful!! Good to know about the Club Carlson card.

and LOL at CSR being a plastic card now. Who wants to pay $450 for a plastic card?!

 

[Aanna]

I am with your husband!! Definitely on the bucket list. It just looks so beautiful!! Good to know about the Club Carlson card.

and LOL at CSR being a plastic card now. Who wants to pay $450 for a plastic card?!

I wonder if they will swap them out for metal later? LOL

 

[peel]

That depends. If you plan on keeping the CSR then product change the CSP to a Freedom Unlimited. If you don't plan on keeping the CSR then hold tight and when the annual fee comes due next year, product change the CSR to the Freedom Unlimited. The break even point for keeping the CSR over the CSP is annual spend of $3200 in dining and travel.

Excellent info, thanks! So glad I found this thread!

 

[Alice Sr.]

[QUOTE="calypso726
You are allowed to apply for 2 Chase cards within 30 days. The 30 day message is not necessarily a denial. The 7-10 day message is. I would call recon. It may be a matter of moving credit lines. If asked why the two card apps, tell them about your next 60 days at Holiday Inn that you just found out about and that you wish to keep your personal expenses separate from business expenses. The CSR was needed for all of the dining and travel expenses, primary car rental insurance, Priority Pass lounge access for your entire family when you travel, blah blah blah and say anything about why you needed both cards so close together other than bonus points.

Congrats on the Ink+! My mom got her CSR card yesterday even though they told her 2 weeks. There are many that have tried to get the card expedited and were unable to do so. Chase ran out of metal cards to issue as hey didn't expect to have the volume of applications that they have had for this card which may have been the cause for the initial delay LOL So they are now issuing plastic cards.[/QUOTE]

Thanks for that Info. So your mom received her card in 3 days, wow.

 

[calypso726]

Thanks for that Info. So your mom received her card in 3 days, wow.

Yup! We were both stunned because we did not request expedited shipping and were told 2 weeks. Nice surprise though.