I love credit cards so much!

[gottalovepluto]

FYI if you have Alaska flights booked prior to Jun 5 that you intend to cancel before 60 days from departure: I just tried and it was a hassle, Alaska kept trying to charge the new $125 fee. Online it only gave options that included the fee, I called and the rep insisted I would be charged $125 since my ticket was non-refundable. Even after explaining the policy change she insisted. Didn't feel like trying to work with her so I HUCA'd and the next rep understood exactly what I was doing and said she was seeing the fee as well but would talk to her supervisor to see if there was an override or something they could do. She came back and the total cost of the ticket (originally booked via UR fwiw) plus the seat upgrade I'd paid for was deposited into My Wallet, exactly as I had expected when I started down this road earlier today. Sheesh AS! I've come to expect better of them tbh, I was REALLY thrown when the first rep was so unhelpful. Just BE CAREFUL if you intend to do this that you don't agree to be charged the $125/person fee. (Funds were in My Wallet within minutes. Prices on my flights had dropped so I decided to try this knowing I always have another AS flight to book.)

 

[Lain]

Here is my card roster. What do you think?

Within 24 Months Me:

1 - Chase Marriott Premier Plus upgrade May 2018

Hilton Amex Business (5k min spend) May 2018

2 - Chase Marriott Dec-17

3 - Chase Unlimited Dec-17

SPG Amex Business Nov-17

4 - Barclay Jetblue Nov-17

5 - Chase United MPE Nov-17

6 - Chase Sapphire Preferred Jul-16

7- Bank of America MC Dec-16


Beyond 24 mos Me:

Amex travel card opened more than 24 mos ago

Chase Disney opened more than 24 mos ago

If you’d be applying for you, then your DH’s count doesn’t matter.

It looks like you are 6/24, 4/12, and 0/6 with Chase.

Notice that your Amex business card applications (SPG Biz and Hilton Biz) don’t show up on your personal credit report, so Chase won’t know about them or count them. Your upgrade to the Marriott Premier Plus shouldn’t count as a new card account either.

The 0 new (personal or Chase) cards in the past 6 months is making me think that it should be ok for you to apply for the Chase Marriott Biz. I believe your last Chase cards were the CFU and Marriott Premier double dip back in early December. Since then, you’ve laid low and gotten only the Hilton Biz (which Chase doesn’t see), so it doesn’t seem like you’re a “bust out” risk that might be shut down.

Remember that Chase business card applications have a 0/30 rule, meaning you should have 0 other Chase applications in the last 30 days if you want to be approved for a Chase business card, or else you’ll face likely denial. It doesn’t look like you have any Chase applications in the last 30 days.

It also doesn’t look like you have any Chase business cards.

Are you comfortable applying for a Chase business card? It’s not much different than applying for an Amex business card. Remember to keep things simple. Apply as a sole proprietor. Your business name is your name (first and last) — don’t get fancy with any fictitious names, or you may be denied pending verification. Your Tax ID number is your SSN. Your business address is your home address. There are many ways to put a number on revenue, including reasonable projections. Include your total household income in the application.

Since you are over 5/24 with Chase, Chase’s Ink line of business cards are out of reach for you.

However, the Marriott Biz is not subject to the 5/24 rule, so you can get it even if you are over 5/24, and it won’t add to your 5/24 count if you’re trying to get back under 5/24 to eventually get more cards from Chase. The thing you need to consider is how hard you’ve been hitting Chase cards recently, but you’re 0/6 and 0/30 as discussed above.

You’ve said you wanted to accumulate Marriott/SPG points. The Marriott Biz has a bonus of 75k Marriott Rewards points after a MSR of $3k in 3 months. First year annual fee is waived.

Another thing to consider is what might become of the Marriott Biz when Marriott finalizes its merger with SPG and Ritz-Carlton next year. Per negotiations between Marriott, Amex, and Chase, Amex will be the sole issuer of the business and super premium consumer card (likely what the SPG Luxury card will be rebranded to); whereas Chase will issue the mass consumer and premium consumer card (likely the Marriott Premier Plus card). So what happens to the Marriott Biz? For one, Chase will at some point, probably in early 2019, but maybe as soon as August 2018, stop issuing the Marriott Biz to new applicants. So if you want this card (or the points), you might want to get it sooner than later. What happen to current holders of the Marriott Biz? Nothing’s been announced, but possibilities include the card being grandfathered, converted to a Chase Ink card (which could be great for you), or the whole portfolio sold and swapped to Amex.

Please ask any questions before applying! Despite the eventual end to the Marriott Biz card, there’s no rush!

 

[gottalovepluto]

Applied for the Hilton Biz and received insta-approval!

And you actually got a BIZ card right? Isn't that the one handing out personal cards when people apply for biz cards or did that get fixed?

 

[amalone1013]

OMG I just looked at your spreadsheet... are those the gas prices in your area?!

It's premium prices around us. Because DH believes premium is that much better. I use mid grade.

 

[vanjust14]

in order to fund with a cc, you need to have your cash advance set to $0,right? can I do this by SM,or do I need to call in?

Yes, you can do it by SM. Certain cards don't allow zero so I just ask for the lowest possible limit. I think my last two Chase cards I lowered were set to $100.

ETA: just saw @Disneyonmymind answered you

 

[Tikitoi]

FYI...those with the Toys R Us MasterCard and possibly just the store card.

View attachment 320057

Glad I won't be losing my $25k line...straight 2% back as a statement credit.

Just got this today. But mine offers a $100 cashback when I activate the card and spend $250. I wasn't going to even bother activating the new card as I received it last week. But I just want to be sure this card change over is not going to affect my */24 status. Thanks

 

[DisneyMandC]

It's premium prices around us. Because DH believes premium is that much better. I use mid grade.

Oooh ok. I guess that's a little better, but still. I think our premium is around $2.99 right now.

 

[Angrose]

Question on Amex MR. When do they usually post? My first statement closed yesterday and it showing I have 0 MR points. Do they usually take a few days? I haven't had an MR card before.

Thanks!

The points for monthly spend are very slow to post. It's basically a month behind. Any points you see earned on this statement won't actually post to your account until your next statement closes. I know, it's a annoying. Also, if it's your first MR card, then the bonus points may take a few statement cycles to post too, at least that's what happened to me when I got my first MR earning card. If you get any other MR cards then the bonus will post much quicker, like within a few days of meeting the MSR.

 

[mom2elal]

Ooooh I have a 10% back at Exxon gas stations offer on my Hilton Amex! Up to $100 through August. I have an Exxon right near work and since I'm only $95 away from maxing my CF, I won't be using Kroger Fuel as much anymore.

Me too! Now let's see if I can remember to use it...

 

[mom2elal]

Hi Everyone! We are back from our few weeks in Europe for our anniversary. It was FABULOUS! We were in Lake Como, Amsterdam, and a cruise to Norway. We flew business there and economy back by transferring 200k miles to United via CSR. We also took an EasyJet flight that was "paid" for with the CSR travel credit. A little bit of the cruise and part of our AirBnB was also covered with our remaining travel credits.

I am so glad I jumped on this thread (lurking mostly) in January 2017 and applied for the CSR on the last day of the online 100k bonus. Without it, DH would not have experienced business class and now somewhat "gets it". He doesn't roll his eyes as much when I tell him what card to use.

Thanks to the experts, non-experts, and question askers. I read (almost) every response and ask a few questions when I have them. I probably won't be reading the 200+ pages that I missed, so if there was any big news over the last 2.5 weeks, and someone has the time to post, I would so appreciate it.

Now to go see which card to get next and see if there are any travel plans I can cook up.

Thanks everyone!

That sounds amazing. We want to see pictures!

 

[Lain]

And you actually got a BIZ card right? Isn't that the one handing out personal cards when people apply for biz cards or did that get fixed?

I’m well aware. I don’t know if Amex ever fixed the application, but I have screenshots of my application, an email confirmation Amex received my application for the Hilton business card, and email confirmation that I’ve been approved for the business card.

 

[vanjust14]

I had asked @Judique the same question a couple of pages ago. Of all the regionalisms I heard when I lived in RI, "cabinet" was certainly the strangest! "Going for cabinets and grinders, wanna come?" We call them grinders in CT too, but cabinets was certainly a new one for me.
Did you know there's one town in RI that says "side by each" instead of "side by side"?

My DH is from CT but moved to RI where I am from (about a half hour from Newport!) and he gets a kick out of "bubbler" "doughboys" "jimmies" and "saugys". He also never had coffee milk before coming here.

 

[Lain]

Question on Amex MR. When do they usually post? My first statement closed yesterday and it showing I have 0 MR points. Do they usually take a few days? I haven't had an MR card before.

Thanks!

MR points go pending when your statement closes, then post to your MR account when your next statement closes. So 2 statement cycles.

 

[peel]

DH's Amex account is showing his SPG bonus points today! Now I'm waiting for my extra 20K IHG for the bonus match. We'll meet his 2K spend requirement for the 75K Hilton upgrade bonus next week, so we'll have those to work with soon, too.

 

[elgerber]

The points for monthly spend are very slow to post. It's basically a month behind. Any points you see earned on this statement won't actually post to your account until your next statement closes. I know, it's a annoying. Also, if it's your first MR card, then the bonus points may take a few statement cycles to post too, at least that's what happened to me when I got my first MR earning card. If you get any other MR cards then the bonus will post much quicker, like within a few days of meeting the MSR.

Thank you!

 

[Lain]

Question on Amex MR. When do they usually post? My first statement closed yesterday and it showing I have 0 MR points. Do they usually take a few days? I haven't had an MR card before.

Thanks!

Here’s a more detailed answer to help you find your MR points:

It basically takes two billing statements to see the points you earned post to your account.

When your statement posts, go to http://www.membershiprewards.com/, click on your "Points Balance" amount, click on the "Summary" tab, and under "Additional Information" click on "View Detail" next to "Pending Points." You'll see how many total points you earned on the statement that just closed broken down by cards under that account.

You have to wait until the next month's statement posts for the points from the earlier statement to finally post to your MR account. It usually takes a day or two after the next statement posts for points from the earlier statement to get added to your MR account.

Once the points do post, they’ll show in the Membership box on your account homepage, and you can click on your "Points Balance" amount, click on the "Activity Detail" tab, and the points you've earned should appear as a line item with a "+" that you can click to "See Card Bonus Detail."

P.S. The above information is a little dated, and Amex may have done some updates to their website since I wrote this, but click around and the information should still be there.

 

[elgerber]

Here’s a more detailed answer to help you find your MR points:

It basically takes two billing statements to see the points you earned post to your account.

When your statement posts, go to http://www.membershiprewards.com/, click on your "Points Balance" amount, click on the "Summary" tab, and under "Additional Information" click on "View Detail" next to "Pending Points." You'll see how many total points you earned on the statement that just closed broken down by cards under that account.

You have to wait until the next month's statement posts for the points from the earlier statement to finally post to your MR account. It usually takes a day or two after the next statement posts for points from the earlier statement to get added to your MR account.

Once the points do post, they’ll show in the Membership box on your account homepage, and you can click on your "Points Balance" amount, click on the "Activity Detail" tab, and the points you've earned should appear as a line item with a "+" that you can click to "See Card Bonus Detail."

P.S. The above information is a little dated, and Amex may have done some updates to their website since I wrote this, but click around and the information should still be there.

Worked perfect, thank you!

 

[mefordis]

If you’d be applying for you, then your DH’s count doesn’t matter.

It looks like you are 6/24, 4/12, and 0/6 with Chase.

Notice that your Amex business card applications (SPG Biz and Hilton Biz) don’t show up on your personal credit report, so Chase won’t know about them or count them. Your upgrade to the Marriott Premier Plus shouldn’t count as a new card account either.

The 0 new (personal or Chase) cards in the past 6 months is making me think that it should be ok for you to apply for the Chase Marriott Biz. I believe your last Chase cards were the CFU and Marriott Premier double dip back in early December. Since then, you’ve laid low and gotten only the Hilton Biz (which Chase doesn’t see), so it doesn’t seem like you’re a “bust out” risk that might be shut down.

Remember that Chase business card applications have a 0/30 rule, meaning you should have 0 other Chase applications in the last 30 days if you want to be approved for a Chase business card, or else you’ll face likely denial. It doesn’t look like you have any Chase applications in the last 30 days.

It also doesn’t look like you have any Chase business cards.

Are you comfortable applying for a Chase business card? It’s not much different than applying for an Amex business card. Remember to keep things simple. Apply as a sole proprietor. Your business name is your name (first and last) — don’t get fancy with any fictitious names, or you may be denied pending verification. Your Tax ID number is your SSN. Your business address is your home address. There are many ways to put a number on revenue, including reasonable projections. Include your total household income in the application.

Since you are over 5/24 with Chase, Chase’s Ink line of business cards are out of reach for you.

However, the Marriott Biz is not subject to the 5/24 rule, so you can get it even if you are over 5/24, and it won’t add to your 5/24 count if you’re trying to get back under 5/24 to eventually get more cards from Chase. The thing you need to consider is how hard you’ve been hitting Chase cards recently, but you’re 0/6 and 0/30 as discussed above.

You’ve said you wanted to accumulate Marriott/SPG points. The Marriott Biz has a bonus of 75k Marriott Rewards points after a MSR of $3k in 3 months. First year annual fee is waived.

Another thing to consider is what might become of the Marriott Biz when Marriott finalizes its merger with SPG and Ritz-Carlton next year. Per negotiations between Marriott, Amex, and Chase, Amex will be the sole issuer of the business and super premium consumer card (likely what the SPG Luxury card will be rebranded to); whereas Chase will issue the mass consumer and premium consumer card (likely the Marriott Premier Plus card). So what happens to the Marriott Biz? For one, Chase will at some point, probably in early 2019, but maybe as soon as August 2018, stop issuing the Marriott Biz to new applicants. So if you want this card (or the points), you might want to get it sooner than later. What happen to current holders of the Marriott Biz? Nothing’s been announced, but possibilities include the card being grandfathered, converted to a Chase Ink card (which could be great for you), or the whole portfolio sold and swapped to Amex.

Please ask any questions before applying! Despite the eventual end to the Marriott Biz card, there’s no rush!

Thanks for all of the info! So, a last week I thought I was in the clear for CIP and did apply and low and behold was rejected. They just don't want me to have that card! They said I had too many Chase accounts open recently. I KNOW, I SHOULD HAVE ASKED YOU BEFORE APPLYING! Every time I go rogue I end up regretting it. Therefore, will I be in danger if I try to open a Marriott Biz card? I could open one in my husband's name, as my player 2. So, should I apply for the Marriott Biz, either in my name or my husband's?

Thanks for the advice.

 

[mefordis]

double post

 

[speedyfishy]

I went to Safeway today and got a $500 Mastercard for $10 off when I loaded a coupon to the app. Planning to load the coupon to SO’s account and getting another one tomorrow. I’m working on a MSR and it’s a $4.95 money maker for each card.

Also, I tried to get MOs with my discover card at Walmart today and my card was declined I thought it was a fraud alert so I called discover but they weren’t even seeing an attempted transaction.