I love credit cards so much!

[GusGus16]

We’ve actually already paid about $1000 of it. Is it $5000 as the CL at one time or for the whole month?

The only reason we want to do it is to make the $5000 MSR this month so we can go ahead and get plane tickets before they’re gone. Should we not risk it?

For this one month should be ok to pay off a bit more to meet the minimum spend. Then go back to paying once a month, just don't want to do this often otherwise you can appear risky.

 

[Mickeyismyman1]

Total newbie here, so sorry if this has been asked before. I have a Wells Fargo Card, with an offer for 40% rewards back for a purchase at CVS. Do you know if this could work on a Disney gift card? TIA!

 

[disneymagicgirl]

The only reason we want to do it is to make the $5000 MSR this month so we can go ahead and get plane tickets before they’re gone. Should we not risk it?

It is fine. Go ahead. I pay on DH's card every time he gets an expense check (weekly) and it has never been an issue. His CL is more like $30k though, so we aren't really cycling it that much. But anyways, you can certainly do this here and there without issue. I think you just don't want to do it a ton...maxing, payoff, maxing, payoff..all in a month.

 

[MrPTato]

Will a pick-up in store order get the 5% back with Discover card? I was going to pick up something but if I can get the 5% back, I will wait a couple hours and do it that way.

ETA: This is for Walmart...that would be helpful info!

 

[Haley R]

It is fine. Go ahead. I pay on DH's card every time he gets an expense check (weekly) and it has never been an issue. His CL is more like $30k though, so we aren't really cycling it that much. But anyways, you can certainly do this here and there without issue. I think you just don't want to do it a ton...maxing, payoff, maxing, payoff..all in a month.

Oh we would never do that. We are actually going to pay part of our October trip off with my CIP to meet the $5000. Then we probably won’t be using the card much, if at all, because Dh should be getting the CSR soon if he gets approved.

 

[speedyfishy]

Total newbie here, so sorry if this has been asked before. I have a Wells Fargo Card, with an offer for 40% rewards back for a purchase at CVS. Do you know if this could work on a Disney gift card? TIA!

Usually, the offer will have fine print. Does it say anything about excluding gift cards? I’m not familiar with Wells Fargo, but even if it did exclude giftcards idk if Wells Fargo will be able to tell what you purchased at CVS. Some card issuers do get this data, but I don’t think Wells Fargo does.

 

[speedyfishy]

Oh we would never do that. We are actually going to pay part of our October trip off with my CIP to meet the $5000. Then we probably won’t be using the card much, if at all, because Dh should be getting the CSR soon if he gets approved.

Are you going for the double dip for your DH?

 

[speedyfishy]

I got approved for the Plat and the BGR!!! The phone call was painless he asked about my business but nothing crazy. Now do I try and refer myself for the green even though I have a green??

 

[Mickeyismyman1]

Usually, the offer will have fine print. Does it say anything about excluding gift cards? I’m not familiar with Wells Fargo, but even if it did exclude giftcards idk if Wells Fargo will be able to tell what you purchased at CVS. Some card issuers do get this data, but I don’t think Wells Fargo does.

I appreciate your response! I read everything I could and I couldn’t seem to find any exclusions. I think I’ll give it a try.

 

[speedyfishy]

I appreciate your response! I read everything I could and I couldn’t seem to find any exclusions. I think I’ll give it a try.

I would try it too. Good luck!

 

[Lain]

I got approved for the Plat and the BGR!!! The phone call was painless he asked about my business but nothing crazy. Now do I try and refer myself for the green even though I have a green??

Congratulations!



But OMFG, you crazy!

That's like $20k in combined MSR!

And if it's crazy, live a little crazy
You can play it sensible, a king of conventional
Or you can risk it all and see



I mean, you might still get the 20k MR referral bonus but not the 5k MR signup bonus?

You'll only need to wait a day or two to find out.

 

[Haley R]

Are you going for the double dip for your DH?

Double dip what?

 

[Lain]

Double dip what?

CSR and CSP?

 

[Haley R]

CSR and CSP?

Oh we were only planning on the CSR. Should he be getting both?

 

[speedyfishy]

Congratulations!



But OMFG, you crazy!

That's like $20k in combined MSR!

And if it's crazy, live a little crazy
You can play it sensible, a king of conventional
Or you can risk it all and see



I mean, you might still get the 20k MR referral bonus but not the 5k MR signup bonus?

You'll only need to wait a day or two to find out.

I’m insane really. I’ll be complaining in three weeks when I’m juggling all this MSR, but for now I’m so happy. I don’t want to get on amexs **** list for the self referral, but I may just try it.

Also, I self referred to the BGR. So I’m only at 15k but I’ll be getting SO the BGR and maybeeeeee he will get the Plat too. Might as well go all out.

 

[amalone1013]

Will a pick-up in store order get the 5% back with Discover card? I was going to pick up something but if I can get the 5% back, I will wait a couple hours and do it that way.

ETA: This is for Walmart...that would be helpful info!

It should, I have before

 

[dirtyjerz]

Your ebay selling is a great business! It is all about how you present it. The Chase Ink Preferred business card gives you 80k ultimate rewards as the bonus. They can be redeemed for 1.25x value through the chase portal for air, hotel (disney included), cruises, rental cars. If you were to eventually open a Chase Sapphire Reserve they'd be worth 1.5x value.

Some people have to warm up to the idea of the business card...I did too...so if you don't want to start there, then that is totally fine!

In that case the Chase sapphire reserve or preferred would be great too. They also earn UR points.

Do you think you'd be interested in these types of cards? If so, I can elaborate.

I am going to disney next weekend...booked Coronado springs resort through chase for 26,000 points. You can get tickets and dining there too, but I opted to use discounted gift cards I had stashed away. I booked flights with southwest points (also transferred from chase). This is just an example, to help you see options for travel.

I'd be interested in finding out more on the business cards, however there's no way my husband and I can spend the amount of money needed to get the bonus in the first few months so it doesn't seem worth it to me. If we had kids and more expenses, then I'd say probably, but for now it's just the 2 of us and we stick to a tight budget.

 

[MrPTato]

It should, I have before

Thanks...I was thinking of you but forgot to tag you in the post. I assumed you had the answer!

 

[speedyfishy]

Oh we were only planning on the CSR. Should he be getting both?

YES! You have to have him apply for both on the same day tho. It would be 8k in MSR in three months, but we can help you meet that with some manufacturer spending. The easiest is to open a PNC bank account and fund with your new card and you can even get a $200 cash bonus too.

 

[Lain]

I’m insane really. I’ll be complaining in three weeks when I’m juggling all this MSR, but for now I’m so happy. I don’t want to get on amexs **** list for the self referral, but I may just try it.

Also, I self referred to the BGR. So I’m only at 15k but I’ll be getting SO the BGR and maybeeeeee he will get the Plat too. Might as well go all out.

If you can get him to call in for the Biz Plat, he's a keeper!

But $30k in combined spend in 3 months?! You're going to be busy!