I love credit cards so much!

[disneymagicgirl]

I can't understand why the bank to bank electronic transfers take so long. I opened cap one 360 on the 20th and pushed from ally. My cap one acct says it is pending and will post on the 27th.

 

[Lain]

@Lain @platamama @SBWB48
I think it might be the fixed value MC GC thing too for Masterpass. I didn't have luck several weeks ago trying to add a variable load card... just tried to load a $100 card, it worked, was working in Plastiq until I tried to run it for $100 and forgot I swiped it at Sam's and it's only got $9 left on it...

I was able to load the $500 variable load US Bank MCGC into my Masterpass wallet. I just got an error when I tried to submit payment.

 

[miztressuz]

Some of the comments on that Marriott r/churning post I shared are quite comical. Apparently the new SPG/Marriott program is just garbage. I don't know what people want here...
When it comes to the chains churners talk about, there's basically: Wyndham, Choice, Marriott, IHG, Hilton & Hyatt.

Of those, ONLY Marriott and Hilton have multiple cards that offer tons of opportunities to earn points. Of course Hyatt, IHG and Marriott can be obtained through UR transfers as well.

At the end of the day, we have to accept that these programs aren't designed for us. They're designed for actual travelers...the people who are on the road 40+ weeks a year. We exploit signups, loopholes, card programs, etc. to gain status and free stuff. I love what we do, but I don't begin to actually believe that I'm a good and loyal Marriott customer. I may have 1.4million points with them...but that doesn't make me a good customer, haha. Ok, I'll end my rant about "Churner Privilege" LOL. I just can't believe the reactions some people have to this stuff when we are literally being handed free travel for just buying stuff we would've purchased anyways!!

Yeah it's another speechless moment from reddit. Really, what more can you want? I think it's people who don't remember what it was before CC's got you easy points. Dear me, you actually had to have butt in bed (or seat) to earn free stuff... you had to spend money to get it for free. Now I can spend money elsewhere on other things to get this thing for free - score!

And yeah really, where else you going to go? I've got Wyndham and Choice accounts and yeah, not even close to the same league. (actually between the two of us we had them all until Hyatt deactivated both our accounts, oh well) They have their individual strengths for some people but even with the Starriott deval I don't think either can compete. People are bothered by the Hilton deval and needing so many points. So you've got IHG (complaints on the "free" night cap) and Hyatt (didn't they have a breakfast controversy or something?) left. Give it a year or two, they'll do something similar and then I don't know what those folks will do.... million points for F class, paying cash for hostel to stick it to the man??

When I check our Lifetime status for Marriott it's got us at 4 years for Platinum... even though not ever did we hit it. If it sticks I really think they're pulling the equivalent Gold status from way back and matching it to "new" Platinum. In the time period for the years we had Gold we got that from stays. (and full disclosure, a very generous rewards program that comped us Gold a year or two "for being so close" hehe) Says we've been members for 15 years (although we both though it was a few years more than that) and we managed to hit some type of Elite status for 12 of that. That got much easier after getting the CC card, which on it's own got us enough years for the Lifetime Silver. And while I know now we should have churned it, we never did, just keep it for a cheap night like they wanted us to. I hope those years at Platinum does stick because that would mean they are valuing something at least. So if I have to use my points a little differently than I did before, ok I'll deal, done it before and I'm sure we'll do it again. And given time we'll all find the loopholes and hidden values and crazy program linkages that maybe gets us onto Air Force One for realz this time. Take a page from Rafiki (and Lumpy), the past is in the past, move on. What's my alternative?

 

[WVMomof3]

Y'all are reminding me of when I sent a screenshot to my DH when I was so excited my 90,000+ points posted for my CIP card bonus and plastiq spend. I sent a pic of it and said Woohoo our points are here. His reply was "I have no idea what I am looking at". So I said My UR points from my business card. No reply. At all. Burst my bubble a little bit. Oh well, you guys were excited for me.

 

[GZanta77]

Y'all are reminding me of when I sent a screenshot to my DH when I was so excited my 90,000+ points posted for my CIP card bonus and plastiq spend. I sent a pic of it and said Woohoo our points are here. His reply was "I have no idea what I am looking at". So I said My UR points from my business card. No reply. At all. Burst my bubble a little bit. Oh well, you guys were excited for me.

The correct answer was.....you're looking at $1,350 saving off our next vacation.

 

[Limes96]

DH called the number on the back of his CIP this afternoon. Was too busy at work to call earlier. Said he just had to answer a few security questions and they told him he was good to go with using the card. Hope the ihg premier ends up being that easy to fix. They said call back about that next Friday.

 

[WVMomof3]

My Nashville flight dropped again, it's gone down 4200 RRs in the last two weeks! It's down to 5426pts

I have been checking flights from pit-mco for a wedding then mco-den and den-pit for my DH to attend a work conference. Either these people picked the most expensive weekend to have these events or I feel like I am making it higher by checking it so many times a day. Every day around the dates I want to travel are so much cheaper! I did buy the pit-mco one but hoping it will go down. The problem is my DH is supposed to fly United for work and it is cheaper than SW but I feel better having something I can cancel in case I decide not to go. So do I get SW and fly separately?? I had tickets last year for this same conference and had to cancel my flights at the last minute because of kids activities. I can't decide what to do. But a free few days at the Broadmoor in Colorado Springs are calling my name.

 

[LynnTH]

Yeah - it's EASY when you're 0/24...it's EASY when you're OVER 5/24... But when you're in the middle, it feels like every decision is so important.

That PRG card is a decent card. The 50,000 point offer is fairly easy to come by, so for some reason I just struggle to say it's a "good" idea... I'm just as indecisive as you on this one and it's not even my cards hahaha.

Well, I thought about it and looked at all the options for cards. Not seeing much else at the moment so went ahead any applied DH for the PRG at 50,000 MR with 1,000 spend. Just started with the MR cards for both of us - not sure at this time what we will use the points for. If we don't transfer to airline - I did see you could get Carnival Gift Cards at 1:1 value.

The pop up did come up while applying that due to too many cards or bonuses etc he may not be eligible. It asked if I wanted to proceed so I said "yes" and then got instant approval. Next Chase cards will probably be CIC or CIP again but going to wait a few months for that. Don't want to get too many Chase Business cards too close together. So, now DH is at 4/24 and will only concentrate on Business Cards - thinking the Citi AA Business Cards maybe...

 

[gottalovepluto]

I can't understand why the bank to bank electronic transfers take so long. I opened cap one 360 on the 20th and pushed from ally. My cap one acct says it is pending and will post on the 27th.

Cap 1 is one of the worst about that when you first open an account, money will move faster after a couple months. I think on my Cap1 account it was over 2 weeks before I was able to do anything with the money I'd sent to them.

 

[tink1970]

DH for the PRG at 50,000 MR with 1,000 spend.

Congrats and honestly with the low MSR for 50,000 MRs that's a good deal. I've had MUCH higher MSRs for similar or only slightly higher bonuses...of course we all know I can't resist an MR earning card

 

[gottalovepluto]

Well, I thought about it and looked at all the options for cards. Not seeing much else at the moment so went ahead any applied DH for the PRG at 50,000 MR with 1,000 spend. Just started with the MR cards for both of us - not sure at this time what we will use the points for. If we don't transfer to airline - I did see you could get Carnival Gift Cards at 1:1 value.

The pop up did come up while applying that due to too many cards or bonuses etc he may not be eligible. It asked if I wanted to proceed so I said "yes" and then got instant approval. Next Chase cards will probably be CIC or CIP again but going to wait a few months for that. Don't want to get too many Chase Business cards too close together. So, now DH is at 4/24 and will only concentrate on Business Cards - thinking the Citi AA Business Cards maybe...

Wow! Hat's off to you guys! Do report back your DP! Have you read the American Express Platinum Card for SCHWAB guide on DISchurners by @SouthFayetteFan ? Might want to check that out to learn about potentially redeeming at 1:1.25 value for cash.

 

[gottalovepluto]

We went to the zoo earlier as well...beautiful day for sure!

Well now I want to go to the zoo! ...but mine is 45 mins away and it's a 100 degrees outside with air quality so lousy it looks there is a light fog... nice to know at least someone has good outdoor weather right now though!

 

[platamama]

This may be targeted, but on our Amazon account, we got an offer for $10 Amazon credit for loading $30+ using Amazon Cash. I printed out the barcode, took it to 7-11 and added $30 with my CF. Got 5xUR (shows up as Conoco-SEI), and there's a $10 credit in our Amazon account that expires 9/30. It doesn't show up under gift card balances, I found it in my messages subject line "Your Amazon Credit."

 

[afan]

I want to make sure I'm remembering this correctly. I got my CSR last Nov. The $300 credit will be available on my anniversary date and I can use it. Then when the AF hits in Dec I can PC it to a CF correct?

 

[gottalovepluto]

This may be targeted, but on our Amazon account, we got an offer for $10 Amazon credit for loading $30+ using Amazon Cash. I printed out the barcode, took it to 7-11 and added $30 with my CF. Got 5xUR (shows up as Conoco-SEI), and there's a $10 credit in our Amazon account that expires 9/30. It doesn't show up under gift card balances, I found it in my messages subject line "Your Amazon Credit."

Have you done an offer like that before?

 

[gottalovepluto]

I want to make sure I'm remembering this correctly. I got my CSR last Nov. The $300 credit will be available on my anniversary date and I can use it. Then when the AF hits in Dec I can PC it to a CF correct?

From the T&Cs "Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year." Reads to me like the credit comes available when the fee posts. I think you can SM them to see the exact date your $300 travel credit will be available again. Good news is Chase refunds AFs in full for 30 days so you can still "double dip" after the AF posts.

 

[havaneselover]

Which SPG bonus? The SPG Personal? Looks like you’re eligible as long as you haven’t held the listed Marriott cards in the last 30 days.

Sorry—luxe bonus. Got the Marriott bonus 10/2016. Thanks!

 

[platamama]

Have you done an offer like that before?

No, I think it was for first time users to Amazon Cash.

 

[miztressuz]

This may be targeted, but on our Amazon account, we got an offer for $10 Amazon credit for loading $30+ using Amazon Cash. I printed out the barcode, took it to 7-11 and added $30 with my CF. Got 5xUR (shows up as Conoco-SEI), and there's a $10 credit in our Amazon account that expires 9/30. It doesn't show up under gift card balances, I found it in my messages subject line "Your Amazon Credit."

Hm, had been thinking of trying that at Speedway. Wasn't sure if you could use CC for a cash reload, but figured couldn't hurt to ask. Good to know this may work. Now I'm wondering if I can get Speedy rewards too

 

[SouthFayetteFan]

I believe I also may have won the Chase Marriott no AF upgrade game...

• We earned our free night on March 15th.
• AF of $85 posted on Apr 1st.
• I upgrade to the Premier Plus on May 3rd.
• I paid my $85 AF sometime on May 10th.
• I received a letter in the mail stating that my upgrade would be effective in Mid-July.
• We received a $63.75 refund on May 16th (for 9 months of my AF)
• I fully expected the new AF to post on Aug 1st based on all of these dates
• Still no AF charged as we sit here now...
• I'd assume now my next AF will be Aug 1st next year

I guess I'll pay $21.25 to have a Marriott card from Apr 1, 2018 through Aug 30th 2019 and get 2 free night certs (1 each year).

AND I spoke too soon when I said this, lol.

My statement on the Marriott card says the annual fee will be billed on 9/1/2018. This is still somewhat confusing considering that I paid an annual fee on April 1st, was refunded 9 months of that annual fee...and now I'm paying an annual fee on Sept 1st. I still kinda win I guess since I got 2 months free???