I love credit cards so much!

[Lain]

Just a reminder there is a 75k offer on the BGR that’s better than the support link offers, info on DoC

@Artygal90 , if you’re comfortable calling into Amex for a 75k offer on the BGR, we have some direct lines.

 

[Lain]

Can a mortgage payment be split up or will they apply it to principle?

You can make a note how the payment should be applied in the memo line. Just be aware that mortgage payments on Visas are restricted and Plastiq may hold, review, and decline your payment if they find it’s for a mortgage.

ETA: I stand corrected by @platamama

 

[gottalovepluto]

@Artygal90 , if you’re comfortable calling into Amex for a 75k offer on the BGR, we have some direct lines.

DoC found some online links! I didn’t look too close but it looked like you might not have to call in for it...

 

[Lain]

DoC found some online links! I didn’t look too close but it looked like you might not have to call in for it...

Awesome. Not calling is even better.

 

[gottalovepluto]

Awesome. Not calling is even better.

Right? Ugh, dealing with actual people is just worst!

 

[miztressuz]

FYI - One Reddit User posted evidence that the CIU 50k offer could go away after 9/20: https://www.reddit.com/r/churning/comments/99ce24/daily_discussion_thread_august_22_2018/e4n227t/

This is definitely a rumor we'll keep an eye on. IF CIU 50k goes, I'd imagine CIC 50k could also go away...

I'm tempted to apply for a CIC before that date...but I have gotten 3 Chase cards in 6 months at that point and given my LONG path to get to this stage, I'm not going to risk it.

I would not go by that. Chase just put dates in those emails that they want you to apply by, it doesn't appear to relate to the bonus offer. I received at least 2 of those same emails from Chase regarding the CSP, both had apply by dates in them and as we've seen the bonus hasn't changed in quite some time. One that I can find gave me an apply by date of 12/2/17, and the other was 4/23/18. I think I had a couple more last year that I probably deleted. It was the same offer in the emails as the public offer now.

 

[platamama]

Can a mortgage payment be split up or will they apply it to principle?

You can make a note how the payment should be applied in the memo line. Just be aware that mortgage payments on Visas are restricted and Plastiq may hold, review, and decline your payment if they find it’s for a mortgage.

That's something you need to contact your mortgage servicer about.

When I contacted mine, they said don't split payments because it won't be applied correctly. I ignored them and sent in a $100 test payment on a MC (fee free Masterpass promo) thru Plastiq, and I put in the memo line "partial payment." It got credited to principal only, and the full amount of my mortgage payment was still due.

 

[SouthFayetteFan]

I would not go by that. Chase just put dates in those emails that they want you to apply by, it doesn't appear to relate to the bonus offer. I received at least 2 of those same emails from Chase regarding the CSP, both had apply by dates in them and as we've seen the bonus hasn't changed in quite some time. One that I can find gave me an apply by date of 12/2/17, and the other was 4/23/18. I think I had a couple more last year that I probably deleted. It was the same offer in the emails as the public offer now.

I definitely respect that opinion - this one really could go either way. Yes, Chase does send emails with apply now dates from time to time and they mean nothing. BUT we've seen those dates mean SOMETHING recently too...Marriott Premier Plus is one such example. Currently there are rumors of the offer on the New Southwest card changing too, so we have a history of seeing this occur on new cards.

On the opposite side though, The offer on CIP has never changed since it's introduction. The website shows "NEW CARD" by CIU and "NEW OFFER" by CIC and makes no mention of the offers going away. I'd assume Chase would publicize if they were going away to try to drum up some sign ups and urgency.

I'd say there's less than a 50% chance this is going away...but there is a chance. My recommendation would be that anybody who was planning to get a CIC or CIU between now and October do so before Sept 20th if possible. If you weren't planning to apply in Sept/Oct then I wouldn't alter your plans just for this (unless you're simply swapping cards in your strategy, i.e. delay an SPG biz for a CIC or something like that). I wouldn't RUSH things with Chase for this card right now though, it's not worth the risk.

 

[Lain]

Snip

 

[tink1970]

Merge Failed.

That's all I get... Will try again later, or maybe I'll have to call.

Mine is still giving me the error message at the last step.

So I was able to access my new SPG (--> tangent WHY do I need a completely new number?) and my paltry points (especially compared to some--side eyes @SouthFayetteFan ) total is correct. However...they only have my 1 SPG reservation and my 6 Marriotts are floating in the ether. I still can't merge either. Ugh. Fortunately I don't need the Marriott reservations until spring so hopefully they'll get their act together by then. Seven months should be enough time!

 

[alryan]

Here are my options for obtaining CP.
---------------------------------------------------------------
(I have 16k towards CP already) (2/24 plus CIP, 0/120, 0/3, 0/30…next falling off 7/1/19)
————————————————————————————

OPTION 1:

Plus/Priority DD…Biz (later)

$20k spend

165k points (80k now + 25k later + 65k later)
-------

OPTION 2:

Biz/priority

$19k spend

125k points (100k now+25k later)
--------

OPTION 3:

Biz/plus

$4k spend

100k points…all now
----------

OPTION4:

DD plus/priority

$17k

105k points (80k now+25k later)



In the back of my mind I am hearing this nagging voice: "You have enough points to book your Dec cruise flights already. Wait and do CP for 2019/2020. You can even app for the premier on your flight for 50k."

To which I say: "But I could use the URs on pre/post cruise stays instead of flights if I had the CP and all those SW points."

Then I think: "should I get a cic now instead? And maybe get DH a SW biz now for some SW points. He can't do personals again for a CP until next fall."

GAAHHH! Yes, I am like this about all decisions...not just travel related.

I like option 3, nice and easy. But the others are way too much spend for me personally. I am trying to figure this out for myself. I'm hoping the offer for the plus goes up to 50k so I can just do that and the Biz...otherwise not sure what I'm going to do.

 

[SBWB48]

You just gotta work on your deep voice

You must have the higher pitch Mrs. SFF voice down cold

 

[elgerber]

I like option 3, nice and easy. But the others are way too much spend for me personally. I am trying to figure this out for myself. I'm hoping the offer for the plus goes up to 50k so I can just do that and the Biz...otherwise not sure what I'm going to do.

I too am hoping for some increased offers, later in the fall, I am not sure how I am going to DD either.

 

[Limes96]

DH was just denied using his CIP at 2 locations. The IHG (under review) was only his second Chase card. He only has a “business”. Was he shut down by Chase do you think? Advice for calling in about the CIP? *help!*

ETA I’ve read some of the shutdown reports on reddit, and we are no where NEAR the stats of any of them

 

[palhockeymomof2]

DH was just denied using his CIP at 2 locations. The IHG (under review) was only his second Chase card. He only has a “business”. Was he shut down by Chase do you think? Advice for calling in about the CIP? *help!*

ETA I’ve read some of the shutdown reports on reddit, and we are no where NEAR the stats of any of them

Are you able to log in to his online account ?

 

[Artygal90]

Awesome. Not calling is even better.

Yeah talking to humans with my actual voice is not my strong suit. Which is a problem, since my job includes calling strangers D: I'm working on it...

Thanks for the links and info all! I'll probably sit on it for a few days and make sure my CIP bonus is all squared away before making any moves. Or maaaybe try and talk DH into getting the CIU before the bonus goes down...

 

[Limes96]

Are you able to log in to his online account ?

Yes, I am able to log on to his CIP. I guess that’s good anyway. Maybe they want more ID from him having 2 apps in one month? If so, not sure why they didn’t ask for it during the phone call about the IHG card yesterday.

 

[Limes96]

DH told me the first rep he talked to yesterday (before I got home) asked him ID questions about previous home addresses but he didn’t recognize any of them. Do you think they’ve mistaken him for someone else? Strange to think it could happen. Don’t they go by SS#?

 

[CyndiLouWho]

I think it’s worth it. $95 for 60,000 AA miles is a great deal and it won’t have any impact on 5/24. There are no support links. I got the card when it was offering 50,000 miles. I had to send in personal documents before I got approved (social security card, utility bill, license) that was a bit of a pain, but still worth it lol

I’m thinking I’ll jump on this. We do use AA and DH is under 5/24, was planning CIC next but heck I’ll squeeze this in too.

 

[LuckyMamaInDE]

You all were so helpful when I started asking questions a few months ago I'm back for Round 2!

Background: We've had 2 credit cards for decades (Discover and a Citi they changed from something else a year or so ago), but have decided to play the travel game Ultimate goal is flying lay flat business to Australia and using points for some hotels there. I had hoped for 2019 but 2020 is more likely. We are DVC, travel to WDW as a couple once a year and as a family with our young adult kids every 12-18 months. Dh and I take a national parks-type trip once a year, generally flying SW. Youngest flies SW for school breaks. PHL and BWI are airports of choice.

Dh is a reluctant P2 who will not apply for business cards. I have just finished homeschooling youngest and am contemplating getting back to tutoring like I did before we started homeschooling 8 years ago. So that would work as a legit business.

Me:
CF 7/18 (1/24)

DH:
CSP 7/18 (1/24)

I think going for the SW CP (so that it's valid for 2019-2020) is a good idea for us between our usual travel and visiting my extended family in CA more often. But when in relation to other cards? CIP is a good choice for me first because of the number of UR, right? CIC would be better in the long-run though, I think.

Double dipping kinda makes me nervous

Right now we can meet spends of $5-7K/3 months easily. $8-10K would take planning. We are considering some work on the house, though.

Suggestions with timing?

And another thing---I've read Chase prefers not more than 50% of income in credit limits. Is that combined across personal and business cards? And is there also a $ limit, rather than the 50% amount?

Thanks so much

There's been so much conversation this past day that I think my questions were buried!

Your CP plan sounds great. You'll want to do that later in the year, so the points all post at the start of 2019. So we need to figure out what to work on in the meantime. I think I would avoid chase, so you are 0/90 when you app for those, but others here would maybe be more aggressive.
Would you be interested in starting with an amex biz card now, then doing the SW cards in a couple of months, thus still being only 1/24? Since you are the only one willing to do biz cards, it sounds like you should be the one doing the CP, not DH. So this could be your plan. Then, later in 2019 you could DD the sapphires (using referral from DH of course.) I think you may be more open to DD at that point...since you will have your feet wet.

As for DH, he could start with a chase card. Might he be interested in upgrading his CSP to a CSR so you get a better redemption rate there? You could refer him to a freedom if you like. I am drawing a blank for him, since he has a sapphire already and won't do biz cards. I'd normally suggest CIP for the 80k sign up bonus. If he could be the one to do the SW CP, that would help open up other possibilities for you too, but if he won't do a biz card for that, then he'd have to be comfortable with a DD.

Thank you so much! So an Amex Biz instead of the CIP? Which Amex? I am not familiar with them at all lol

I did think about referring dh to a CF so that we could max out the categories for 2 CFs. I don't want to upgrade his CSP to a CSR now because we are nowhere near redemption at this point. We just started collecting UR in July

The only other Chase cards I could think for dh would be the Hyatt or one of the United cards. Should he move to non-Chase products?

Since you fly SW getting the CP is a smart move....I’d apply Nov/Dec and make sure you complete the spend in 2019
Or if you want to apply for another Chase card between your CF and the SW cards...apply for the CIP in say October...then the SW cards January

If you want to stick with Chase and UR...you could refer your husband for the CF in October...

Your right about the credit limits...best to reduce them so the statement close with the lower limits prior to applying for the cards....It does include business and personal cards....

I appreciate your responses!

Last night I took a look at the United redemption chart. It would be at least 320,000 miles for the two of us to fly roundtrip to Australia We have about 80,000 UR now