I love credit cards so much!

[palhockeymomof2]

Thanks for the responses.



We usually just fly whichever cheapest. It depends on where we go. We took SW to MCO earlier this year, but we have an upcoming trip on Delta. We're thinking about a trip to NY/Philly to visit relatives next year, so it could be American or SW.

Those minimum spends are the biggest hurdle for me. Our biggest expenses are rent and car payment which obviously wouldn't go on the card.



Ah, good catch. I did get pursuaded to open a Target redcard a few years back (definitely > 2 years) but I only use it at Target to get the 5% discount. No DH would absolutely not go along! He'd probably cut the internet immediately if he knew I'm starting to explore this. He hates cc, and for the longest time only uses debit. Now he uses the same cash rewards we have joint. Also no to ebay. I don't even have an account. I guess I'm pretty archaie to all this stuff!

If you wanted to start with Chase cards that don’t have as big a spend the Chase Freedom or Chase Freedom Unlimited have no annual fee and you receive 15,000 points with a $500 spend the first 3 months

My husband was also didn’t want to open cards...but once he saw that they were being paid off weekly and his credit score didn’t go down he was fine....he lets me open what every card I want in his name..

 

[babyready]

Do you have any Marriott (or the Ritz-Carlton) cards? If not, there's no rush to apply for the SPG Lux before tomorrow. Wait for a higher public offer (it will come, since Amex is already targeting folks with 125k Marriott points).

This is an excellent point. I am not getting locked out of anything and really there is not rush, even if I want this offer as it does not expire for a while.

Received my Barclays Aviator today. Just bought a $10 Amazon gift card, so now the card is going in the sock drawer, lol. Just need that charge and the AF to post so I can get my miles. Easiest spend ever.

Also I just logged into the e-status website to check for my husband and he was approved too (I got more credit than him, lol). That's a nice 120,000 mile haul for a little bit of nothing.

Congrats! DH's just came in the mail and mine is on its way! Very excited to have all those points for such a small amount of effort!

 

[Lain]

Received my Barclays Aviator today. Just bought a $10 Amazon gift card, so now the card is going in the sock drawer, lol. Just need that charge and the AF to post so I can get my miles. Easiest spend ever.

Also I just logged into the e-status website to check for my husband and he was approved too (I got more credit than him, lol). That's a nice 120,000 mile haul for a little bit of nothing.

I'd ask, easier than the Biz Green? But now it looks like I'll have to put some actual spend on that card to keep in Amex's good graces.

 

[bernina]

CONGRATULATIONS!!!


​

I'm glad you didn't hesitate this time around! Lesson learned! And I'm hoping, since you were targeted, there are no shenanigans with wrong addresses and the card getting misdirected.

Thank you!! That’s the best part, other than using option 2 for the city we live in, all of my info was 100% correct. Our town recently changed to allow us to use both the city and township names. I doubt that made a difference but figured I’d try since my existing Amex accounts use the city name.

I’ll be using the Global Entry credit for DD which will be nice as DH and I already have applications in progress, just waiting for the interview step.

 

[Lain]

This is an excellent point. I am not getting locked out of anything and really there is not rush, even if I want this offer as it does not expire for a while.

Right. It's just that if your chips are in with Amex and SPG, you'll be locked out of Chase's Marriott cards for 24 months after you receive your last SPG bonus. And since Amex welcome bonuses are generally once per lifetime, you might as well try to get the best offer you can.

 

[SouthFayetteFan]

Props to @SouthFayetteFan for sparking some fresh discussion about the Amex welcome bonus denial pop-ups over at r/churning: https://www.reddit.com/r/churning/comments/9a60t4/daily_discussion_thread_august_25_2018/e4t53lm

Gotta generate that sweet karma somehow

 

[Lain]

Thank you!! That’s the best part, other than using option 2 for the city we live in, all of my info was 100% correct. Our town recently changed to allow us to use both the city and township names. I doubt that made a difference but figured I’d try since my existing Amex accounts use the city name.

I’ll be using the Global Entry credit for DD which will be nice as DH and I already have applications in progress, just waiting for the interview step.

Awesome! So your Amex accounts use the city's name, but you tried pulling the 100k Plat offer using the township name? Sounds like that might've tricked the system into thinking you're a new customer needing some incentive to sign up with Amex.

 

[wendow]

It's not printed on the back of your card is it? My old personal Marriott had my account number on the back.

There is a spot on the back of the card for a number but mine is blank. I guess they must not have created an account even though I thought they would. I'll be calling soon to get it sorted out

 

[SouthFayetteFan]

There is a spot on the back of the card for a number but mine is blank. I guess they must not have created an account even though I thought they would. I'll be calling soon to get it sorted out

I haven’t been following your issue here - can you tell me what’s going on and maybe I can assist? lol - sorry I try to read every comment here but sometimes things skip thru the cracks on me LOL!

 

[wendow]

Of course you do! You're a Texas girl. I used to say Aggie girls understand and love football more than the other conferences' guys (I know I was being sexist...but if you've ever been to an A&M game you might forgive the generalization).

I've been to Aggies games! Those get CRAZY!! Best college football in the state

 

[wendow]

I haven’t been following your issue here - can you tell me what’s going on and maybe I can assist? lol - sorry I try to read every comment here but sometimes things skip thru the cracks on me LOL!

I did not have an existing Marriott account but I applied for the Marriott biz. I thought their verbage said that if you didn't put an account on your CC app, they would create an account for you. However, there was nothing in my CC welcome package with a number on it, I cannot find anything in the online CC profile and the back of my card where the number should be, is blank. I was just trying to find it so I could create a marriott account online using that number. It just seems like I'll need to call them Not sure who the 'them' is that I will call. I'm guessing start with the phone number on the back of the CC.

 

[SouthFayetteFan]

I did not have an existing Marriott account but I applied for the Marriott biz. I thought their verbage said that if you didn't put an account on your CC app, they would create an account for you. However, there was nothing in my CC welcome package with a number on it, I cannot find anything in the online CC profile and the back of my card where the number should be, is blank. I was just trying to find it so I could create a marriott account online using that number. It just seems like I'll need to call them Not sure who the 'them' is that I will call. I'm guessing start with the phone number on the back of the CC.

Yeah - call the number on the CC. They should be able to tell you the Marriott acct that your CC is tied to.

 

[bernina]

Awesome! So your Amex accounts use the city's name, but you tried pulling the 100k Plat offer using the township name? Sounds like that might've tricked the system into thinking you're a new customer needing some incentive to sign up with Amex.

Exactly! Back when the offer poofed I did try every imaginable combo (including township) and couldn’t pull it again. That’s when I moved on to DH and essentially created a new person (according to Amex at least) out of thin air. Come to think of it, maybe that’s why Global Entry is taking so long

 

[jhoannam]

DH got both the SPG Biz and personal earlier this year, his SPG account only shows 5 elite nights... it changed after 8/18... did that happen to anyone else?

 

[tink1970]

I've been to Aggies games! Those get CRAZY!! Best college football in the state

If I could LOVE a post I would...there's nothing like it

 

[SBWB48]

Are the MasterCards from staples Good for using on plastiq? Thinking of getting some while there’s no fee.

ETA: are there are cash back sites that credit for buying gc from staples?

I shared a dp two days ago about using MCs from Staples on Plastiq , and @SBWB48 and @amalone1013 did too. We've had success with the fixed value MCs being accepted for the MasterPass promo on Plastiq. Lain got an error with his variable load MC being accepted for the MasterPass promo, as I understand it he was able to put the MCGC onto his MasterPass account, but then Plastiq didn't apply the MasterPass promo to the payment, did I get that right @Lain? You can link the MC as a payment card directly onto your Plastiq account, but then you get a 2.5% fee assessed instead of the $0 fee right now with the MasterPass promo.

I was just getting ready to report back with my latest DP. Previously, when @Lain got the error via Plastiq for his variable load, we suspected that perhaps variable load MCGCs were causing the issue. Well, I just ran a $205 payment (I had sent part of the balance to DH via Venmo, so $205 was remaining) via MasterPass from a $500 variable load MCGC through Plastiq with NO issue/error. I registered the card previously and added to my MasterPass account. When to Plastiq, went through the same steps as I did to link/add the previously fixed value MCGCs, and payment processed! Checked the balance via the giftcard site and the balance is now $0.

I'll be getting another MCGC variable load soon, so will come back after I try it again, but this one worked.

 

[Natgridenergy]

125,000 SPG Lux offer

Somebody on Reddit reporting they received an email for a 125k point SPG Lux offer. They had already signed up for 100k yesterday.

Pic of email: https://m.imgur.com/a/pfcMmHE

EDIT: now seeing a second report of this offer.

I also got the 125k email. We just started working on the MS for my DW's SPG biz spend. This offer says it's good until Dec so I think Lux is my next card!

 

[Lain]

Coolbreeze_coys on r/churning got approved for a PRG with no pop up after getting BCE, SPG, SPG Biz, BRG, BBP, BGR, Biz Plat, Schwab Plat all since last November. Haven't canceled any of these cards as they're all less than a year old. Amex thanks him for his "long relationship with them." See https://www.reddit.com/r/churning/comments/99whae/daily_discussion_thread_august_24_2018/e4rhjnn. I asked him for length of his Amex relationship.

Well, length of relationship doesn't seem to matter so much. Coolbreeze_coys replied that he's been an Amex member since... last November.

 

[amalone1013]

I almost forgot the staples and bed bath and beyond amex offers. I work late next week so we wont be carpooling. So after we stopped at BB today we hit BB&B across the street. I'm like, we've got 3 of the 4 at least. 2 in DHs name, 1 in mine. So I ask him do you want to try and split payment or run two transactions? He goes, 2 transactions, what other card am I using? And opens his wallet... and there's the 4th card! I've been so focused on BB I forgot he was carrying that other card

 

[Lain]

Amex must really like me because they've given me a $32k CL on my SPG, $24k CL on my SPG Biz, and $25k on my SPG Lux.

What should I do? I'm drowning in credit!