I love credit cards so much!

[mhartman09]

DH's Discover It card looks like a cassette tape and I love it. Of course, not like the one in the link above, but it does get lots of comments when he uses it.

 

[afan]

DH's Discover It card looks like a cassette tape and I love it. Of course, not like the one in the link above, but it does get lots of comments when he uses it.

You can change the look of the IT card? I had the cassette for my discover but then they decided to change me to the IT with no notice other than the card arriving. It was a generic IT card so I thought I was stuck with it. Good to know, I'll change it back ☺

 

[mhartman09]

You can change the look of the IT card? I had the cassette for my discover but then they decided to change me to the IT with no notice other than the card arriving. It was a generic IT card so I thought I was stuck with it. Good to know, I'll change it back ☺

Yes, you should be able to do this online. When he got his card he made me an AU. We were able to change both our cards online. I needed to change mine because the one they sent me looked identical to my Discover It and I was getting them confused. LOL. I didn't realize they had the cassette tape until he got his new one in. I'm jealous.

 

[WaywardMemphian]

And how's about these Sanrio credit cards?

https://www.sanrio.com/pages/sanrio-visa-reward-card

Or these Star Trek credit cards?

https://www.nasafcu.com/StarTrek/index.html

Nice

I'm actually half impressed with the Marvel 3% categories:

3% Back:For every dollar in eligible net purchases (merchandise purchased minus returns and adjustments) ("Purchases"), rounded to the nearest hundredth, charged to your Card for Purchases of dining, select entertainment and for Marvel Online and Convention Purchases. Select entertainment categories include Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores. See below for details regarding the definition of each category. Eligible Purchases of dining and select entertainment will be determined by the merchant category code (the "MCC") associated with the merchant. An MCC is a four-digit classification code that is assigned to a merchant by the merchant's payment card network or merchant processor based on the predominant business activity of the merchant. The merchant's MCC will determine whether a Purchase qualifies for the 3% cash back reward. For example, a dining purchase at the café area of a grocery store may have a MCC identification as a type of merchant other than a restaurant and therefore would not qualify as a dining purchase under these Terms.

 

[Ngwira]

Successfully redeemed all of my arrival points to pay for a hotel stay in Hershey, PA and made a payment on next year's Disney cruise. It was super easy.

 

[calypso726]

I can't locate the post but it was suggested that you book SW via Chase instead of directly through SW. Does Chase use your points from your SW RR account or do they use the UR points? Getting ready to book tickets to Vegas for Memeorial Day weekend.

UR points work like cash with each point being worth 1.5 cents out the CSR account of 1.25 cents per point if you only have a CSP account. Oh that sounds like a fun trip!

When booking a SW flight with UR points, do you earn SW RR points on the flight?

Yes you do, because it is like you are paying with cash.

 

[platamama]

When my toddler turned 2 and started needing her own seat, I signed her up for United's and Hawaiian's mileage programs. I figured if we're paying for her ticket, she should get the miles. Hawaiian makes it very easy (and free) to transfer miles, but keeping her miles with United active when we're not flying with them every year is tricky and transferring the miles is expensive! But you're right -- don't want to leave miles on the tarmac.

I haven't flown United in a long time, but use the MileageX app on my phone to keep my Mileage Plus miles alive. Another alternative is to go shopping through the Mileage Plus portal (for your kiddo, logged in under your kid's account). I do that (or eat at one of the restaurants that are part of an airline's dining program) for some of my kid's loyalty programs. I just set a deadline on my calendar so I know when it has to be completed by.

 

[mhartman09]

Thanks for the responses regarding earning RR points when booking with UR points. I thought I recalled reading this was the case, but couldn't remember exactly. There's so many nuisances with this, I really need to start compiling a list of bullet points so I can remember them all.

I'm trying to convince DH to fly to Orlando for our June trip coming up. He is pretty set on driving, which I'm not completely against, but I'd honestly rather drive. It's a 1.5 hour flight versus a 10+ hour drive with our 5 year old. Flying wins in every way in my mind, but he's not sold on it yet, mainly because we are still a little short of earning CP (almost there, but not quite). We have another DW trip planned for October and Vegas next February, so he's wanting to conserve our RR points for those flights since we'll definitely have CP by then.

I'm trying to work out the math on getting our family of 3 to MCO so I can present the different amounts to him. I want to work up something doing a 3-way comparison of using each option for tickets - charging to a CC, using UR, or using RR. I really wish Chase had SW flights on their portal instead of having to call in. Just an added step, so I'll have to wait until I get off work to check that one out.

 

[Eighty8Keys]

Successfully redeemed all of my arrival points to pay for a hotel stay in Hershey, PA and made a payment on next year's Disney cruise. It was super easy.

So glad to hear that it was so easy. I'm waiting for my monthly auto insurance premium to get charged to my arrival card on the 16th. Once that posts I'll hit the minimum spend on my card.

 

[AmyAnne]

A question about purchasing airfare. DH is attending a work event so this will be reimbursed. Flights will be on American Airlines - should we (he, technically, but really me because he would just pick whichever card is handy) use the CSR or the Citi AA Business Platinum card? Not checking a bag but wondering if there are any other perks to using the AA card?

 

[Texans_loyal]

Just tried to pay my auto loan on plastic.
Because they don't have a "relationship" with Fifth third bank, they want to charge my card as a cash advance. has anyone else had this problem?

 

[Aanna]

Just tried to pay my auto loan on plastic.
Because they don't have a "relationship" with Fifth third bank, they want to charge my card as a cash advance. has anyone else had this problem?

Yes. It's annoying, and talking to Plastiq won't help -- it's a requirement from Visa's side.

My stubborn side wanted to say to heck with Plastiq, but I swallowed my pride for the sake of future credit card spends and went through the "relationship building" steps for mortgage and car payments.

What *I did was that I paid $100 to my mortgage one month through Plastiq, but I used American Express which does not have the "relationship" issues. By the next month, my mortgage provider had accepted the payment and had an official "relationship" with Plastiq. I was then able to successfully pay with Visa. Ditto all the other payments I wanted to have available through Plastiq.

Just be careful and make sure those partial payments are credited to the proper month/payment on the payee side. I had trouble with my car payment once because I made a few small payments from several different accounts and my loan provider got confused. They said I hadn't paid enough even though I had. Still, I'd rather make a phone call to clear that up than pay more than is useful in Plastiq fees.

 

[Albort]

Just tried to pay my auto loan on plastic.
Because they don't have a "relationship" with Fifth third bank, they want to charge my card as a cash advance. has anyone else had this problem?

try sending a payment with an amex/mastercard, then try the visa.

 

[Texans_loyal]

Thanks guys! will try that out!

 

[Albort]

Thanks guys! will try that out!

looks like @Aanna answered the question already haha.
also to add, it may be a good idea to set your CA down to $0, or in CSR case, $100.

 

[Ngwira]

So glad to hear that it was so easy. I'm waiting for my monthly auto insurance premium to get charged to my arrival card on the 16th. Once that posts I'll hit the minimum spend on my card.

Yes, but there is a kink in that your travel purchase must be more than $100 otherwise it cannot be redeemed and you must have at least 10,000 miles in your account. So you need to stagger your redemption in a way that you don't have a ton of points left over. Lots of blogs cover the best way to redeem arrival miles to maximize redemptions.

 

[gottalovepluto]

Thanks- we did enjoy our trip very much!

Update: talked to Delta supervisor at the airport where the gate agent failed to "reissue" the tickets causing Hawaiian not to receive payment, he started by telling me to call corporate customer service but when I told him Corporate wouldn't do anything he researched everything out and said something went wrong in ticketing. If I had been on Delta ticket stock he said he would have been able to issue me cash but because my ticket was on Korean ticket stock the best he could do was offer me $1900 in Delta vouchers (roughly the cost of the tickets and fees) good for 1 year. I took it. He also said to contact Korean about getting my miles back because they're the only ones who can issue any sort of refund. I would have preferred a check then and there but considering the tickets were on another airline's ticket stock I'm grateful we got what we did. (I'll update with what we hear back from Korean.)

The incident was so serious for us that Delta would have lost us as customers if they hadn't issued the vouchers, $1800 is a lot of money to put out for tickets you've already paid for, it was obviously their screw-up so having them take at least some responsibility for it (even in the form of Delta vouchers) has left me thinking nicer towards them and I consider us square with Delta at least. (Also, because they're Delta vouchers that's kinda the only airline those are good for anyway...)

Bottom line for doing the Korean->Delta route: although rare if things go south it gets real messy. We are out the $1800 in cash that we paid for right now. That's not money I planned on spending but I was willing to spend it to get us to our vacation. Do I regret it? No, the goal was a relaxing family vacation and we made it. Being out $1800 in cash was NOT the plan, my fall travel was to be paid using Chase points, not paid out of pocket, so this is still a messed up situation. Ultimately we each have to remember that if something goes wrong and our travel gets refunded it's likely coming back to us in points, not in the cash that we may have to put out to fix the situation quickly. Can you fight that? Sure, but good luck!

How to keep this from happening to you! The gate agent failed to "reissue" the ticket when she rebooked us. We received boarding pass papers with barcodes, seat assignments and the phrase FLT COUPON REQ at the bottom- that's a notation meaning the tickets have to be re-issued so make sure you get a following piece of paper with ticket numbers on them. Even if that's not your exact situation when an airline re-books you on another airline make sure you have the other airline's confirmation number AND you have the ticket number. Contact the other airline if you have time and confirm everything is booked AND paid for. We contacted Hawaiian after the agent booked us actually and got our confirmation number from them but we didn't pursue it any further thinking that was good enough- the red flag was Hawaiian wouldn't allow us to check-in but we thought it was due to an IT glitch because the Delta gate agent said don't worry, check-in happened when she re-booked us. If only I had known then what I know now!

Follow up: Korean Air emailed saying they are not responsible because it was on Delta and to talk to Delta. VERY glad we talked to Delta at the airport where the issue happened. At least I can hang my hat on the $1900 in Delta vouchers they issued there. I'm ticked to be flying Delta to FL (about $140 more per person than United or American at my home airport, which I would have bought with UR points, and other airports aren't an option that time of year) but it's a heck of a lot better than nothing. I don't know that I'd take the UR->Korean->Delta route again, what a mess when something goes wrong.

 

[Eighty8Keys]

Yes, but there is a kink in that your travel purchase must be more than $100 otherwise it cannot be redeemed and you must have at least 10,000 miles in your account. So you need to stagger your redemption in a way that you don't have a ton of points left over. Lots of blogs cover the best way to redeem arrival miles to maximize redemptions.

Good to know. Did you get your 5% redemption bonus when using your points And how long did those take to show up? I want to take those into consideration when planning how best to use my points.

 

[mfly]

looks like @Aanna answered the question already haha.
also to add, it may be a good idea to set your CA down to $0, or in CSR case, $100.

Why $100 for the CSR?

 

[Albort]

Why $100 for the CSR?

i dunno, Chase only allowed me to drop my CA limit down to $100.