I love credit cards so much!

[vanjust14]

Please do report back and good luck!

@amalone1013 and @CyndiLouWho are correct 350 days now , ugh. I can't win .

 

[DisneyMandC]

Just funded DH's fidelity account after getting it set up last night. I also see that my $200 came out of my Ally account today after transferring it yesterday. While I was setting up DH's transfer, I got an e-mail from Ally that my interest rate had gone up AGAIN to 1.75%. Sure beats the heck out of the .1% I was getting at BoA.

 

[miztressuz]

So how long does it take these cards to arrive? Now that we finally got them I'm trying not to by stuff so I can use the new cards and spend the minimum. Suddenly time is just dragging...

As for college and CCs, I wish we could use one for my DD's tuition. It would fund tons of travel if we could. Oh well, c'est la vie. At least I get AMEX points for all those flights I keep buying for her.

The CSR has been coming UPS standard overnight, so probably see that in 2-3 days. I was approved on a Monday morning and got the card that Wed afternoon. Most folks have been reporting similar time frames. The CSP comes through standard mail, so I got that in a week (so the following Mon). If the CSR won't hold you until then you could call and ask for it to be expedited.

 

[wendow]

@amalone1013 and @CyndiLouWho are correct 350 days now , ugh. I can't win .

Sorry. That is bad news.

 

[mom2elal]

Marriott/SPG Won’t Be Automatically Refunding Points Differences If Your Bookings Drop In Cost -- but "[p]lease contact [Marriott/SPG] for assistance moving your reservation to new category pricing."

TL;DR: Starriott won't automatically credit your points back for reservations at properties where the points have dropped, but it sounds like they will manually refund your points if you contact them directly.

Going to call about my Sheraton Waikiki reservation after August.

Prices don't change until August? Our DLR hotel for July is going down 5k/night.

 

[CaliforniaGirl09]

DD18 was just approved for her first on-her-own credit card! She has been a AU user on my United card for five years or so, but she is finally stepping into the game on her own. Soon we may be in 3 player mode, LOL.

Her 60 second approval today for the Schwab Amex ($200 statement credit after $2000 MSR and 1.5x statement credit) was a much better experience than Chase. As I mentioned above, she'd been a AU on my United card for years so when she received a mailer to apply for her own credit card (50,000 United mile bonus) we thought awesome. No problem since she's been on mine for so long. She is in college and doesn't have a job, but she has decent investment income. I wasn't happy when she wasn't automatically approved and received a rejection letter later. I was even less happy a few weeks later when she received yet another mailer from United to apply for the same card. Grrr...

Anyway, since her investments are held at Schwab, I thought the Amex might be a way in for her. Sure enough, it worked. Yay DD!!! I may have to help her out with that first $2000 but after that, she'll be responsible for this one

 

[Albort]

friend just asked me if she gets cash from cash back portals...

 

[mmmears]

DH says the cards said "7-10 days" so I guess they weren't expedited. Oops.

 

[CyndiLouWho]

Oh darn!
This seriously alters my plans if this is the case! I thought you could call in and do it. I'll give it a shot calling and report back.

I did try to call back in February with no luck.

 

[GusGus16]

@Albort I read through your bank bonus guide on reddit, very helpful, thanks!

Since I missed out on the Fidelity bonus, decided I should branch into bank bonuses...applied for one tonight and went into a pending status. Hoping that once I get the hang of it, they will be easier, but lots of requirements to follow. I don't think I would be brave enough to try it if not for Albort's guide and Doc of credit.

 

[miztressuz]

DH says the cards said "7-10 days" so I guess they weren't expedited. Oops.

Is that an email or something? It said that for mine too, so I was surprised when it showed up so quickly. That's their standard text for card delivery. But if it doesn't show up Monday I'd give a call to see where it is. Maybe you'll get lucky and it shows up tomorrow

 

[Lain]

Prices don't change until August? Our DLR hotel for July is going down 5k/night.

Yeah these prices go in effect 8/1.

 

[disneymagicgirl]

Just funded DH's fidelity account after getting it set up last night. I also see that my $200 came out of my Ally account today after transferring it yesterday. While I was setting up DH's transfer, I got an e-mail from Ally that my interest rate had gone up AGAIN to 1.75%. Sure beats the heck out of the .1% I was getting at BoA.

I know!!! I just opened it in May and it is crazy how much the interest is!!! Each interest deposit I do a double take! Why in the world did I wait so long to move over from Wells Fargo????

 

[disneymagicgirl]

DD18 was just approved for her first on-her-own credit card! She has been a AU user on my United card for five years or so, but she is finally stepping into the game on her own. Soon we may be in 3 player mode, LOL.

Her 60 second approval today for the Schwab Amex ($200 statement credit after $2000 MSR and 1.5x statement credit) was a much better experience than Chase. As I mentioned above, she'd been a AU on my United card for years so when she received a mailer to apply for her own credit card (50,000 United mile bonus) we thought awesome. No problem since she's been on mine for so long. She is in college and doesn't have a job, but she has decent investment income. I wasn't happy when she wasn't automatically approved and received a rejection letter later. I was even less happy a few weeks later when she received yet another mailer from United to apply for the same card. Grrr...

Anyway, since her investments are held at Schwab, I thought the Amex might be a way in for her. Sure enough, it worked. Yay DD!!! I may have to help her out with that first $2000 but after that, she'll be responsible for this one

I need to get my DD19 her own card, but I am enjoying her earning me points so I haven't been very motivated.

 

[wendow]

I need to get my DD19 her own card, but I am enjoying her earning me points so I haven't been very motivated.

Kind of the same lol! But also I am not sure my dd could get approved for her own card yet. She has no paying job other than babysitting (and house/pet sitting which she is doing this weekend)...I guess we could count that....She's actually a very 'in demand' sitter and is already booked up for about 1/3 of the summer. Do y'all think she could count babysitting as income?

 

[GZanta77]

Do y'all think she could count babysitting as income?

You know the answer to that ...and she has her own business. The possibilities are endless.

 

[speedyfishy]

Kind of the same lol! But also I am not sure my dd could get approved for her own card yet. She has no paying job other than babysitting (and house/pet sitting which she is doing this weekend)...I guess we could count that....She's actually a very 'in demand' sitter and is already booked up for about 1/3 of the summer. Do y'all think she could count babysitting as income?

It sounds like she has a buisness too.

 

[wendow]

You know the answer to that ...and she has her own business. The possibilities are endless.

Do you think she really could get approved for a CIP with no real credit history, other than being an AU'er for a year on two of my cards? She couldn't even open the Fidelity account due to, I guess, having no real 'identity' I wish she could get a CIP. I'd be all over her getting that opened!

 

[speedyfishy]

Do you think she really could get approved for a CIP with no real credit history, other than being an AU'er for a year on two of my cards? She couldn't even open the Fidelity account due to, I guess, having no real 'identity' I wish she could get a CIP. I'd be all over her getting that opened!

Is she a student? I’d get her her own discover student card for 6 months and then move onto Chase.

 

[wendow]

Is she a student? I’d get her her own discover student card for 6 months and then move onto Chase.

She is a student. Hmm, good thought...Going to look at that. Discover was my first card while I was in college