I love credit cards so much!

[vanjust14]

I'm a New Englander and there are some Cambridge Savings banks in nearby towns. I've never done this before, so would just like to confirm there are no negative consequences to doing this right? I'll open the account, transfer $1000 in, leave it in there for at least 90 days and I'll get the $175 bonus. Then how hard is it to close a bank account? Can you usually do it online or typically have to go into a branch? Thanks for any advice/tips from those who are regulars at bank bonuses!

Hi! So there are no requirements to getting the bonus...such as direct deposit or debit transactions. Just open and qualify for the bonus! I'm assuming you read that in order for the account to remain fee free you must have $1000 or you will be charged $25 a month. This is a pretty easy $175 and awesome that you can fund the $1000 with a c.c. I will be leaving $1000 for at least 90 days as you stated. This is only my second stab at bank bonuses, and my other one hasn't been closed yet, so I can't comment on how easy it is to close but I'm sure others can. I am not near any Cambridge banks so I will not be going in branch. I am going to close by secure message or phone.

 

[HappyHappy]

Yes, they expire after 12 months. I was just in a panic thinking we have been concentrating on Hyatt and Marriott/SPG this year and was worried my Hilton would expire. But I checked our account and DH did stay in one for work a few months ago. I am not sure about using them, I know some do not count that as activity, but you must have some kind of activity every 12 months. Using the cc would count. I don't think it is necessarily calendar year but just 12 months from last activity.

Thank you

 

[spacerangerqueen]

I checked the reddit group and I didn't see any support links for Swych. They told me my first purchase has to either be with a promo code or Apple Pay and I'm an Android girl with no desire to open an Apple Pay just for this. I'm trying to buy a Topgolf gift card for Father's Day and this is the only place I can find it for 5x with my CIC. Can anyone help me out?

 

[SouthFayetteFan]

So, My Spring Break plans are changing every day. So many choices.... (I think I am changing locations more than I change Disney Resorts). So, latest was going to Cancun. Using SW for airfare and using Marriott Points for 3 nights and then transferring my UR's to Hyatt and do an All Inclusive for 4 nights (2 rooms - there are 4 of us and 2 rooms was the same as 4 in one room).

Then my brother mentions about going on another cruise with them. So now thinking of doing that. Would use SW for airfare. But tell me if I have this right with UR Points.

After my CIP Spend is done (have $1000 left). I will have about 215,000 UR's. Right now I have the CSP ( I downgraded the CSR to a Freedom a while back). Won't be able to open a new CSP/CSR until beginning of next year for both me and DH.

So, if I calculate correctly. 200,000 UR's would get me $2500 towards a cruise with my CSP. If I were to upgrade to CSR then my 200,000 UR's would be worth $3000 towards a cruise. Is that correct?

If I wanted to upgrade would I do it with my CSP? And would it affect anything by cancelling it later and reapplying once our 24 months is up on both CSP/CSR?

Your math is correct If you decide to do it, I would upgrade the CSP (and leave the Freedom untouched). Upgrading should not affect your ability to cancel and reapply for the bonus.

 

[LynnTH]

Your math is correct If you decide to do it, I would upgrade the CSP (and leave the Freedom untouched). Upgrading should not affect your ability to cancel and reapply for the bonus.

Awesome!! Thanks. I love UR's. Now I have to get more of them... Going to apply for CIP for myself in July. Holding off ordering new carpet until I get this (hopefully get this). That will eat up most of the spend. Yeah!!

 

[disneymagicgirl]

My 2nd discover bank savings bonus went much quicker than my first.

1st account:
Opened 5/19, deposit posted 5/25, bonus posted 5/30.

2nd account:
Opened 6/4, deposit posts 6/12 (it is there but not avail til 6/12, weird), bonus posted 6/8.

Well that was easy. No onto something else. I am thinking I may do this First TN mailer I got...$300 for any checking with direct deposit. I don't have direct deposit, but I am going to ask DD19 if I can use hers.

ETA: Oh, and also I just sold DS8's nintendo switch on eBay..."business" is booming over here.

 

[elgerber]

My 2nd discover bank savings bonus went much quicker than my first.

1st account:
Opened 5/19, deposit posted 5/25, bonus posted 5/30.

2nd account:
Opened 6/4, deposit posts 6/12 (it is there but not avail til 6/12, weird), bonus posted 6/8.

Well that was easy. No onto something else. I am thinking I may do this First TN mailer I got...$300 for any checking with direct deposit. I don't have direct deposit, but I am going to ask DD19 if I can use hers.

ETA: Oh, and also I just sold DS8's nintendo switch on eBay..."business" is booming over here.

Were these both in your name, or was one in player 2's name?

 

[speedyfishy]

ETA: Oh, and also I just sold DS8's nintendo switch on eBay..."business" is booming over here.

Selling a switch?? I love mine lol although I really only play it when I travel. It was super handy for the three hour layover I had recently.

 

[disneymagicgirl]

Selling a switch?? I love mine lol although I really only play it when I travel. It was super handy for the three hour layover I had recently.

He just isn't into video games. We got him the switch for Christmas b/c our other son is a gamer and was getting one and we thought it would be good for him to have his own on trips and stuff. He decided to sell it since it was collecting dust and bought a new iPad instead. His was the original mini so was laggy and crashed alot.

 

[disneymagicgirl]

Were these both in your name, or was one in player 2's name?

myself for the first one and DH for the 2nd. I am probably going for a 3rd in DD19's name and lend her the $25k and let her keep half the bonus. I want to move all our accounts away from wells fargo anyways.

 

[amalone1013]

DH just got an email from someone at work... asking for Disney advice, decided to squeeze in 2 days at WDW on another trip. What rides/parks should they do, what restaurants, etc?

Oh, when are you going?

JUNE 13TH AND 14TH.

I feel anxious trying to give advice. This is upsetting my uber-trip-planner-ness.

My 2nd discover bank savings bonus went much quicker than my first.

1st account:
Opened 5/19, deposit posted 5/25, bonus posted 5/30.

2nd account:
Opened 6/4, deposit posts 6/12 (it is there but not avail til 6/12, weird), bonus posted 6/8.

Well that was easy. No onto something else. I am thinking I may do this First TN mailer I got...$300 for any checking with direct deposit. I don't have direct deposit, but I am going to ask DD19 if I can use hers.

ETA: Oh, and also I just sold DS8's nintendo switch on eBay..."business" is booming over here.

I tried to open DHs today... thinking I'd fund with the same money, which was back in my Ally account... then it shut me down because his name isn't on that account. D'oh. I really need to get him on there as a joint owner for bank bonuses!

 

[disneymagicgirl]

I tried to open DHs today... thinking I'd fund with the same money, which was back in my Ally account... then it shut me down because his name isn't on that account. D'oh. I really need to get him on there as a joint owner for bank bonuses!

Oh no! Yeah we have our EF in ally now and it is joint. So I was able to open his easily.

 

[amalone1013]

Oh no! Yeah we have our EF in ally now and it is joint. So I was able to open his easily.

I didn't even think about it haha. I'm going to add him tonight. We've been slacking on setting up joint accounts... it was in the plans, but I didn't want to do it with his bank because they charge $20 a year to have a debit card and I opened accounts with Chase a year ago, but before I added him to those we were gonna have him get their signup bonus.

 

[DisneyMandC]

does anyone have any knowledge about the airport ATL in Atlanta Georgia? when we booked Disney i didn't realize a layover in ATL. my concern is we have only 50 minutes. is southwest terminals close by?

DH just got an email from someone at work... asking for Disney advice, decided to squeeze in 2 days at WDW on another trip. What rides/parks should they do, what restaurants, etc?

Oh, when are you going?

JUNE 13TH AND 14TH.

I feel anxious trying to give advice. This is upsetting my uber-trip-planner-ness.

This gives me anxiety... Also, my best friend went to MK for the day last year and when she got back told me she didn't get to ride Space Mountain because the line was so long. I said "oh, were you not able to get a fastpass?" She responded "pshh, I'm not paying for that."

 

[miztressuz]

I didn't even think about it haha. I'm going to add him tonight. We've been slacking on setting up joint accounts... it was in the plans, but I didn't want to do it with his bank because they charge $20 a year to have a debit card and I opened accounts with Chase a year ago, but before I added him to those we were gonna have him get their signup bonus.

Exactly, I wouldn't add him to everything that way you can have a P2 on the bank bonus side too

We have 2 joint accounts, a checking with CapOne360 and our savings with Synchrony (they don't have checking). I only opened the Synchrony as joint so he'd have a High Yield savings to throw his "long" term savings into so it'd actually earn interest since after the Capital One buyout his interest earnings sucked (RIP Ing ). But before that we merged our CapOne360 accounts just to have an easy way to transfer money to each other. Otherwise we keep everything separate and each person is then responsible for a different financial aspect. (what works for us can be generalized into my money is essentials (mortgage utilities food), his money is fun money (internet cell phone eating out VACATION ) and we divided up some other big expenses like insurance so not one person is stuck having to make all decisions but likewise we don't have to call a meeting every time we want to change a minor detail)
Which makes it great for starting in on bank bonuses since at least one of us is eligible for every opportunity that comes along.

 

[snugglebug]

New home loan signed and completed about an hour ago.

New CSR application completed for the hubby about 10 seconds ago. Instant approval!

I almost messed up. I copied my link and used incognito browser, as I began the app and went to the second page I noticed the card in the upper corner was Freedom Unlimited! I don't even have that card, I have no idea how that happened. I closed everything out and restarted.

I've been going back and forth between CSP and CSR, knowing I don't want to double dip right now. Had a duh moment. My son just joined the Army, my daughter has about a 90% chance of becoming a military spouse. For those two reasons I'm getting GE for myself and my littles because I'm pretty sure we'll be visiting the bigs in various places in the next few years. I told my husband he could choose to use this card to get his or be without. He finally said that if I was doing it he would do it with me. He's become very much against giving more info than necessary to the government lately. Now in about 5 days I can downgrade my CSP.

 

[StephPlum]

Good news/bad news day. Good news, I finally have a bill I can use Plastiq to pay. Bad news, I have a new auto loan for DH's truck. I need to make MSR on the new Hilton AMEX Biz. But in my reading, it looks like AMEX doesn't allow auto loan payments on Plastiq. Correct? If that doesn't work, I'll just use my CIP and get the 3x URs. Which is it?

 

[EC0323]

I called Chase today to voice my displeasure (sure it won't do any good) that the time frame for my $5000 spend on the new Marriott card started 2 weeks ago when I was approved, but I don't yet have the card W - the

Did you check the date of your first statement? I applied for this card too. I received instant approval and was like you. How do I get the $5000 in without card? but my first statement was actually 6 weeks from the day I applied.

Hope it all works out for you! Good Luck

 

[GlamMistress]

DH just got an email from someone at work... asking for Disney advice, decided to squeeze in 2 days at WDW on another trip. What rides/parks should they do, what restaurants, etc?

Oh, when are you going?

JUNE 13TH AND 14TH.

I feel anxious trying to give advice. This is upsetting my uber-trip-planner-ness.


I tried to open DHs today... thinking I'd fund with the same money, which was back in my Ally account... then it shut me down because his name isn't on that account. D'oh. I really need to get him on there as a joint owner for bank bonuses!

I just shook my head. They might as well go, soak up the magic and be realistic in that they won't ride much, they will have to wait and it will be hot. But they will be a Disney so there will still be fun!

 

[Lain]

New home loan signed and completed about an hour ago.

New CSR application completed for the hubby about 10 seconds ago. Instant approval!

CONGRATULATIONS ON DH'S CSR!

I feel like it's been a while since we had a good ol' approval party!