I love credit cards so much!

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More Marriott nights/flights questions please :goodvibes Since it seems like the 5 night isn't going to happen (based on the account review dp), I was looking at the 7 night packages. They still seem like a really good deal to me, even if I wouldn't use the full 7 nights. I would want to use the points to transfer to SW so I've been doing some calculations but wanted to see if I have a few things right.
Would you value SW RR at $.015? I calculated using Wanna Get Away flights because that's all I've ever booked.
Are the nights/flights packages going away after 8/1? What is the reasoning being everyone booking these now?

Thanks again for the input! :thumbsup2
On a side note, what a nerd am I? Woke up early and couldn't wait to work on a spreadsheet for all of this! :rotfl2:

Nights and Flights aren't going away in August, but it's a radical change to the structure. So depending on which airline you want to transfer to, nearly all packages seem to be a better value before the change. Here's the page for the new structure and points: https://lacek.hs.llnwd.net/e1/marriott/redemption/HAR18036_TravelPackages_Chart2.pdf
 
ok thanks! So I can upgrade Dh with no hit to his 5/24,and apply for a new one for mine for an extra 25k points instead of upgrading..(?) So that new Amex thing will benefit me here I think,they'll tell me if I can get that bonus while applying,right?
So after thinking.... I think I'll upgrade Dh to the new card (no brainer) and wait till the full SPG changes hit..... that will give me time to decide if I want to get rid of another amex card and fill that slot on my accts.... sound right? I'm thinking about the 5 card rule....I'd like a MR earning card just to try for those great deals I always see(for using one point) and possibly another hilton in future. I'm trying to hedge my bets against a future Disney stay where I can use some hilton points (goodbye SPG greatness:sad:) to stay a few nights when the new stuff gets done. It'll likely be awhile before that happens anyway, but I always feel like I have t have some discount waiting for a Disney trip so I can make it happen when I decide it time....(it's my particular mental illness) I'm still struggling with purchasing 60k SPG points and making a res for next spring at Dolphin...except I don't think I'm going there next spring,and I dont know what canceling a points res will get me back after August 1......
 
Just called the automated status line to check on my CIP app (applied Monday) and I'm approved! Said my card will be here within 10 days! Seems fast, I didn't expect a decision for at least maybe a few more days, so....dance with me everybody!
party:

As soon as I get it I'll be looking more into Plastiq for insurance bills and tuition payments. How long does it take between setting up the Plastiq account and the check is in the mail? (Or the electronic equivalent)

I have a good month before any big payments are due so don't feel the need to expedite. I'll have no problem meeting the MSR.
 
Just called the automated status line to check on my CIP app (applied Monday) and I'm approved! Said my card will be here within 10 days! Seems fast, I didn't expect a decision for at least maybe a few more days, so....dance with me everybody!
party:

As soon as I get it I'll be looking more into Plastiq for insurance bills and tuition payments. How long does it take between setting up the Plastiq account and the check is in the mail? (Or the electronic equivalent)

I have a good month before any big payments are due so don't feel the need to expedite. I'll have no problem meeting the MSR.

:yay::yay::yay::yay:
 
I agree with the international flight part, but didn't you also get an AA credit card to help with the miles? That should give you free bags even on a mileage flight. I've had an AA card for years, used to be US Air which was my main airline from CLT. I always got free bags regardless of how I booked the flight. I don't remember how many people it covered but a lot of them are up to 4 as long as they are on the same rez as you.
I have an Aviator Card, DH has the Citi AA card but it covers domestic flight baggage. After I booked with miles, the final page stated I’d have baggage charges of $25 per bag

ETA I checked the AA baggage rules and it seems Canada is listed as domestic so I guess I shouldn’t have to worry.
 
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Just called the automated status line to check on my CIP app (applied Monday) and I'm approved! Said my card will be here within 10 days! Seems fast, I didn't expect a decision for at least maybe a few more days, so....dance with me everybody!
party:

As soon as I get it I'll be looking more into Plastiq for insurance bills and tuition payments. How long does it take between setting up the Plastiq account and the check is in the mail? (Or the electronic equivalent)

I have a good month before any big payments are due so don't feel the need to expedite. I'll have no problem meeting the MSR.
Congrats
 
So I’ll be at 4/24 in Sept and thinking of applying for CIP or cancelling my CSR and double dipping. DH has a CSP that I was going to product change to a CF as the annual fee just hit. However maybe I should pc it to a CSR when I cancel mine? Can I pc now and again in Sept? I don’t want to risk being without a CSR. The travel credit and UR portal make it a keeper in my eyes....
I have this same issue. DH has the CSR and it is past time for him to cancel and DD. I just can't bring myself to do it b/c all our points are sitting on the CSR and if I need to book something while waiting to do the DD I will be up a creek. I guess worst case I could book through my CIP. I really need to just pin down our immediate plans, book them, and then go for it. It just seems like such a big step. ...oh but the URs!
 
Just called the automated status line to check on my CIP app (applied Monday) and I'm approved! Said my card will be here within 10 days! Seems fast, I didn't expect a decision for at least maybe a few more days, so....dance with me everybody!
party:

As soon as I get it I'll be looking more into Plastiq for insurance bills and tuition payments. How long does it take between setting up the Plastiq account and the check is in the mail? (Or the electronic equivalent)

I have a good month before any big payments are due so don't feel the need to expedite. I'll have no problem meeting the MSR.

CONGRATULATIONS! Joining in your approval dance party! You can't dance alone!

:woohoo::cheer2:party::cool1::banana:

Yes, check out the Plastiq guide on DISchurners. And use a DISchurners "support link" when you sign up so you can get some "fee free dollars" on your payments. When you set up a payment on Plastiq, you'll be presented with a calendar where you select by when you need the payment to arrive. Payments by check take can take about 7-10 business days; electronic payments to recipients set up to accept them take about 2-3 days. It's best to schedule your payment to arrive a few days before it's due just in case any issues arise. Plastiq does offer a delivery guarantee that covers late fees, but you'll still want to avoid any stress of payments not arriving in time.

Let us know if we can be of any more help!
 
Just took advantage of the $100 off $500 Amazon deal with $400 Amazon digital gift card and $100 Whole Foods digital. Wish I could somehow get Disney gift cards out of this deal but still a great savings on Whole Foods and we shop frequently on Amazon.

Edited to add: Both the Amazon and Whole Foods digital gift cards were received soon after order.

I also just received the Fidelity bonus this morning. No emails received but the money is there (4x $50 deposits).
 
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You know what would be awesome on the 4th of July...if TPG posted an article about how CIP earns 3x URs thru Plastiq...NOT!!! https://thepointsguy.com/news/3x-on-plastiq-ink-business-preferred/

Wow...I know I'm not a Plastiq user myself but for those that use it heavily, I hope this doesn't cause a change due to widespread abuse.
 
I agree @palhockeymomof2 I already am jealous of @calypso726! It is a different type of point accumulation and I can see the addiction. If you have played the credit card game enough to get the companion pass that’s great! I said to my husband that if the resale contract goes through I would be sad to not look at our bank account with money in it. He pointed out I can just stare at my DVC points!

True. We bought direct a couple of times, before the insane prices of today and it was during a sale. 2006, direct SSR went on sale for a promotion down from $101 per point to $86 pp and that as our first purchase. We added on here and there over the years. We also bought resale before resale points were restricted. DH's favorite resort was GF after we stayed for a romantic getaway when it was 40% off for FL residents and did the spa, ate at V&A etc. Now that I think of it that is no longer surprising when I can look at him and think "Plane Princess." So when DVC was going to open at GF he said he'd buy direct on day one, saved the money and bought 220 points. That was our last direct purchase. When we found it was darn near impossible to get Beach Club at 7 months out consistently for Food and Wine, we decided to pick up 300 Beach Club points. Those are the only resale points we have that are not grandfathered from the resale restrictions. But, since we were only using them for F&W weekends, we didn't care. We are toying with the idea of buying more points strictly to rent out in order to fund the dues. DH has paid for all of the points up front with no financing. I pay the dues. I'm trying to talk him into Club 33 with this same arrangement. I brought it up and he quickly said we wouldn't be able to do ABD every year if we went that route. Well, that shut me up real quick. He said the same thing when I said we should get a pool. Sigh ... first world problems.

On the buying SPG points you all find it “worth it?” I have got on there a couple of times intending to buy some but haven’t been able to pull trigger. Buying points just seems wrong somehow.
I've not been able to pull the trigger on the purchase of spg points either. I think because I really would only use them at Swolphin (just where we are in life) and the rates are fairly cheap when we travel. It's common to see Swolphin at $130 in late Aug/Sept. so buying points just doesn't make sense to me.

Like most travel hacking goals and how each of us uses our points, it would really depend on each individual situation. I think for most, buying points to simply top off an account that is a little short for a specific redemption, it would be worth it. Speculatively purchasing without a specific goal may be worth it for some and not for others. If I were only using SPG points for Swolphin stays then no, I would not be buying points. @wendow is spot on with seeing that it isn't a good value and she'd be better off paying OOP and earning points for staying, using a cash back card and wiping out the charge, using UR points to pay, going the bank bonus route etc.

Then you have me, who is in this for the miles. I went ahead and had DH buy 30K points, I bought 30K points. By a stroke of luck and good timing, DH's brother and sister moved in and so did my brother and nephew. Each of them bought 30K points after opening SPG loyalty accounts. All in it is $4095 for 180,000 SPG points which will transfer to 540,000 Marriott points. If I used them just to transfer to airlines from SPG now, I'd get 5,000 additional airline miles for every 20K I transfer. If I do it later when the program is Starriott it would be 5K additional miles for every 60K Starriott which is the same thing. Either way will give me 225K airline miles for transferring all the points. Buuuut, if I purchase travel packages for cat 1-5 at 270K Marriott points each, I get 120K miles. So the same 540K Marriott points will get me 240K miles and 2 of the 7 night certificates for cat 1-5 properties which I could care less about. I'm really tempted to have 3 more people move in right now.

So, why is this good for me? We use our points and miles to travel on first class international flights with lie flat seats, amazing service and enjoy what amounts to a luxury experience. We would not pay the real money prices that most of these flights cost. I am transferring everything to Alaska miles because they have transfer partners that I would like to experience and the AS program requires less miles than many others for partner awards and has an awesome variety across alliances. So, these points will allow me to have enough miles to book several first class flights or business class flights. The RT first class flights I am looking at are well over $25,000 per person. I would never pay that amount. Business class is in the $8,000 range for one person RT. Again, I would never pay that amount. However, I would pay $4095 total for 2 people RT in either business or first for these flights all day, everyday in a heartbeat. Since that isn't an option, I am buying that opportunity with the SPG points, transfer to Marriott, redeem for travel packages. So for me, this is more than worth it!
 
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For SW gurus, can I book cash and later change to points? DH can’t get SW card until end of year to post in 1/2019 and we have a WDW trip planned for March Spring Break. I won’t have points to book until January but thinking that’s too late
 
Plastiq..... can this be used to pay for town realty taxes? I DON'T want to write a huge check for this,I'd rather pay a fee if I can manage something
 
For SW gurus, can I book cash and later change to points? DH can’t get SW card until end of year to post in 1/2019 and we have a WDW trip planned for March Spring Break. I won’t have points to book until January but thinking that’s too late
You can, but when you cancel your cash booking it will be a credit in each passengers name,and must be used within a year. So you won't get your money back, you'll get a credit.
 
You know what would be awesome on the 4th of July...if TPG posted an article about how CIP earns 3x URs thru Plastiq...NOT!!! https://thepointsguy.com/news/3x-on-plastiq-ink-business-preferred/

Wow...I know I'm not a Plastiq user myself but for those that use it heavily, I hope this doesn't cause a change due to widespread abuse.

****ing hell. This is the one good tip I wish TPG wouldn't be upfront with his readers about.

But for the last few months, owners of the Ink Business Preferred Credit Card have reported receiving 3 points per dollar spent using the service. That has continued, although there’s no telling how long it may last.

It’s been more like a year... and not much longer now that MMS/Business Insider and TPG are telling everybody about it.

Ink Business Preferred pays 3x points on the first $150,000 spent in combined purchases on travel; shipping purchases; internet, cable and phone services; and advertising purchases made with social media sites and search engines each account anniversary year. All other purchases earn 1x points. So all payments through Plastiq are presumably being coded as internet purchases to earn the 3x rewards.

I thought TPG was an expert. Plastiq is clearly not coded as internet purchases because that would also trigger 5x on the CIC, but it doesn't. It's likely coded under some kind of shipping category.

(ETA interesting, looked up Plastiq’s Visa MCC and it’s coded as BUSINESS/ PROFESSIONAL SERVICES - 7399. The same code for Amex falls under Business Services — Not Elsewhere Classified.)
 
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For SW gurus, can I book cash and later change to points? DH can’t get SW card until end of year to post in 1/2019 and we have a WDW trip planned for March Spring Break. I won’t have points to book until January but thinking that’s too late

Not that I'm aware of. If you're concerned about holding a seat you can look at the refundable fares and see if you can float that cash until Jan and then play the cancel/rebook game. But not aware of any way to just convert a cash to points reservation.
 
Ok so next question lol. DH is 4/24 until 10/18 then drops to 3/24. He got CIP 5/2/18. Want to apply to SW biz 11/18. Too risky to do CIC in July or August?
 
Just called the automated status line to check on my CIP app (applied Monday) and I'm approved! Said my card will be here within 10 days! Seems fast, I didn't expect a decision for at least maybe a few more days, so....dance with me everybody!
party:

As soon as I get it I'll be looking more into Plastiq for insurance bills and tuition payments. How long does it take between setting up the Plastiq account and the check is in the mail? (Or the electronic equivalent)

I have a good month before any big payments are due so don't feel the need to expedite. I'll have no problem meeting the MSR.

Yay! Congrats!!! :jumping1:

Liam answered your plastiq question and the reddit guide will answer even more. When you get ready to start using it, feel free to ask questions here. Lots of us are using it already and are happy to help!
 
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