I love credit cards so much!

[DisneyMandC]

But the super fine print seemed pretty definitive on the 9 month clawback….

Ok, so who's in charge of reminding us all next March that we can get our money out

 

[vanjust14]

Ok, so who's in charge of reminding us all next March that we can get our money out

@Lain can add it to his spreadsheet for us!

 

[Lain]

I'll try that first. I'm also going to try book the elusive 5 night package.

I've read that unless you're a MVC timeshare owner, the 5 nt packages are not available to you, but some have been able to finagle their way somehow. Good luck!

https://www.reddit.com/r/churning/comments/8uiarb/daily_discussion_thread_june_28_2018/e1gadl8

 

[speedyfishy]

Almost all of our money is with Fidelity. A rollover IRA (mine), traditional IRA (dh) and then two other accounts that show as Joint WROS, call me an idiot, but I am not sure how to tell what kind of accounts these are. I know they are taxable and one does actually have the word brokerage on the statement, so I assume this counts me out for this deal?

I would try it and see if you get the bonus. The bonus should post quickly after the $200 is in your account so you really don’t have a lot to lose. If you don’t get it you can just move the money out in a few days.

 

[miztressuz]

@Lain can add it to his spreadsheet for us!

LOL took the words right out of my mouth

 

[imbatman]

Even after I funded and had confirmation of the funding, it still shows I have another step and need to fund...!?! Will just let it sit for a few days and see what happens.

Ditto. I funded the brokerage account instead of the checking. So now I have to pick a plan... And I'm bummed that ROTH IRA's weren't included in the offer.

 

[LynnTH]

Getting ready to book a cruise with Carnival. Has anyone done this with Carnival and then transfer to Chase. I will probably book Early Saver, which can get price drops up until a few days before sailing. Once I transfer to Chase will they be able to do the same. I am so used to booking directly with Carnival and having total control over the booking. I am waiting on 87,000 UR's to post (mid July) and then I will have over 200,000 UR's to pay the rest of the cruise.

Can I still go on the Carnival Website and see my cruise and buy excursions and stuff without going through Chase. Just not sure how all this works...

 

[miztressuz]

Almost all of our money is with Fidelity. A rollover IRA (mine), traditional IRA (dh) and then two other accounts that show as Joint WROS, call me an idiot, but I am not sure how to tell what kind of accounts these are. I know they are taxable and one does actually have the word brokerage on the statement, so I assume this counts me out for this deal?

Check your portfolio. I have a 401k with fidelity too but that shows in my portfolio page under the "retirement accounts" heading. The fidelity account from the deal is in another heading called "Investment Accounts" and the checking is "Savings, Checking, and Spending Accounts". In my non-expert opinion, it sounds like to me as long as you don't have an account in that Investment Accounts section (or the savings,checking,spendng one) you're probably eligible.

 

[miztressuz]

Same! That was much easier than with Memory bank (still pending...). I transferred the $200. We can do this for multiple people in the household, right? My dd18 still hasn't opened an account with her grad money so this would be perfect. Was gonna do Memory for her but it expired.

I don't see anything in any of the terms that restricts it per household, so you should be able to open it for everyone.

Even after I funded and had confirmation of the funding, it still shows I have another step and need to fund...!?! Will just let it sit for a few days and see what happens.

Ok, after letting it sit for a few minutes or just going back to it it's on the correct step now. It shows step 1 funding as checked off and I see the transaction listed in the pane next to it. Must have just needed a bit to catch up, but confusing when they first drop you on the page after funding it and it tells you to fund it again That's one way to get more money into accounts.

 

[CaliforniaGirl09]

Trying to catch up to all the Marriott posts today, but I guess I'll be expediting the Flight/Hotel package I was going to book. I need to transfer DH and DD's starwood points into my account first though. I hate waiting the 5 days though. Has anyone set up new marriott accounts and tried to combine points to do the package? My understanding is that you can draw marriott points from more than one account to reserve the package, but neither DH or DD have a marriott account. Just wondering if the points transfer instantly to new accounts.

 

[liloca]

I just opened the Fidelity bank account/investing Acct and transferred $200 for Capital One. Is it that easy? I feel like I must be missing something! I am already a fidelity customer with my retirement acct.

 

[wendow]

The $200 I transferred to my and dh's accounts are both showing up now. Yay! That was so easy!!

 

[wendow]

DP for anyone hoping to open the Fidelity for an older teen: Could not open one for my dd18...The message was they cannot verify her identity...guessing no real credit history to pull verification questions from.

 

[CaliforniaGirl09]

Posting again after doing the math. Wow, this is a horrible devaluation of the Hotel/Air packages. Really disappointing. I'm definitely going to be doing one before August 1st!

If I'm looking at it right:

My current Marriott Hotel of choice is a Category 6. Under the current Flight/Air package I need 300,000 Marriott points to get the 7 night certificate and 120,000 Alaska miles.
That same hotel under the new chart is Category 4, which initially looks good at -5000 points a night. But for the hotel/air package, I now need 330,000 points to get the same 7-night stay and the brutal part ... 20,000 less miles. In other words, 30,000 more points for 20,000 less miles! Yuck.

 

[vanjust14]

DP for anyone hoping to open the Fidelity for an older teen: Could not open one for my dd18...The message was they cannot verify her identity...guessing no real credit history to pull verification questions from.

Oh darn, thanks for the DP. I guess DS19 won't be opening one when I get home, which was the plan.

 

[wendow]

Oh darn, thanks for the DP. I guess DS19 won't be opening one when I get home, which was the plan.

You could always try .Maybe he has more credit history than my dd??

 

[vanjust14]

You could always try .Maybe he has more credit history than my dd??

I guess it doesn't hurt to try. He has student loans and a DiscoverIT but all within a year and a half.

 

[Lain]

As some of you know, I've been following DPs and discussion about Chase double dips followed by lowered credit lines on both newly approved cards: https://www.disboards.com/threads/i-love-credit-cards-so-much.3528202/page-1685#post-59376636

There's a new DP on /r/churning this morning: https://www.reddit.com/r/churning/c...s_central_thread_week_of_june_28_2018/e1fny50

The discussion about these credit line reductions seems to think (and I think this too), that on a double dip, Chase's computers considers each application separately, approves each without knowing about the other, and assigns you a credit line based on the assumption of a single application (because it's not exactly typical to see two applications in the same day), which is why you might get two (especially Sapphire) cards with high credit lines. This is kind of supported by today's DP that mentioned the Chase rep said, "your applications were auto approved by the system." Something in these DPs may be causing Chase to review the double dips, which results in Chase manually reducing the credit lines on the two newly approved cards. I'm thinking that the two new credit lines, especially if they're big, may have pushed the applicant way over some percentage of total credit extended to income that Chase isn't comfortable with. It could also be Chase can see what cards you've applied and been approved for, and 2 cards in the same day is atypical that warrants review. Keep in mind that in none of these DPs has Chase closed a newly approved card or told the applicant they can't have two Sapphires or two SW consumer cards; Chase just unilaterally lowers the credit lines on the cards, likely to mitigate their risk.

Something to consider if you're planning to double dip.

And another DP: https://www.reddit.com/r/churning/comments/8uiasf/comment/e1fxeig?st=JIZ0M45L&sh=cb7efb88

 

[miztressuz]

DP for anyone hoping to open the Fidelity for an older teen: Could not open one for my dd18...The message was they cannot verify her identity...guessing no real credit history to pull verification questions from.

I think they have a chat option, did you ask if there was an alternate identify verification? I have to imagine they have one as not everyone has a credit report.

 

[wendow]

I think they have a chat option, did you ask if there was an alternate identify verification? I have to imagine they have one as not everyone has a credit report.

Didn't even think of that! Will chat them .