I love credit cards so much!

[AmyAnne]

I got it at 18/24 IIRC. It went pending and I got a call from a rep about a week later. Only had a couple questions about a loan I had, then specifically mentioned the spend I had been putting on my Wyndham card.

I doubt we will ever know what makes Barclays invoke their 6/24 rule for a denial, but it's clear it's not a hard rule and they really like it when you use their cards around the time you apply for a new one.

I'm curious how much spend on a Barclays card might be enough to sway them, do you think? I could add a VGC to the grocery shopping for the next few weeks but that would be at most about $1,200.

 

[happ]

I don't know, I've never done any of this before. Just been reading everything I can on this thread to learn from the masters.

I was hoping you were going to say it worked. I haven't found an online portal that works for gift cards. I bought most of the cards for my upcoming trip at Sam's online using Walmart gift cards that I purchased at a discount or earned through Swagbucks. If you're not in a hurry to get gift cards, then waiting for a Dosh deal or another good discount sounds like a solid plan to me.

 

[amalone1013]

DH was super stressed over Irma last year because we flew in the Thursday after. Like drove me nutty... you would probably think I would have been more concerned because of the wedding but at that point I was just, its out of my hands mode.

So hes been stressing over the current storms... when I got home today he says, well it looks like our flight Thurs night wont be as impacted as I thought. I was like okay.... (I have been checking Florence occasionally so I had seen the latest projections). I said, you almost sound upset about that...

DH: well, I'm all caught up with work so I was going to tell my boss I'd take my laptop, but if hes okay with it we could leave Wednesday night because of weather

 

[pillow]

Decided to try my hand at using Masterpass on Plastiq to help DH with MSR on his new IHG Premier. Will Plastiq be ok with me doing this multiple times up until the end of September? Will it stop offering the fee free promotion when October 1 is the earliest date a check can be promised to arrive at a payee’s address? Today the earliest date is September 18. I just used it to pay $250 on our electric bill. I’d be ok with doing that one or two more times this month just to get ahead on my bills. Could also use it to make extra payments on a vehicle loan that we’d like to pay off by November anyway. Am I going in the wrong direction here or is this plan going to work well for me?

Yes its fine. I've been making quite a few payments per month using this promo. As long as the expected arrival date is before Oct 1, you should be ok.

 

[pillow]

Does the Chase portal pay out for purchases of gift cards?

It did for me when I bought Shutterfly gift cards a few months ago. It may depend on the merchant.

 

[Alexle2007]

Well, I was online literally the second FP became available this morning and still didn't get Slinky Dog Dash Guess I'll be trying to rope drop it!

We did EMH this morning and it was CRAZY for Slinky Dog. DS and I arrived around 7:30 am, they walked people back to Toy Story Land beginning at 7:45 am and we were off of Slink Dog by 8:05 am, went over to TSM no wait, off to ToT no wait and RnRC we did the single rider line and we were off to Epcot by 9:15 am. We had an awesome day and 12.73 miles, I am exhausted!

 

[Alexle2007]

Any tips on where/when to buy tickets for my mom and I to see the Rockettes in NYC this December? Working on spend on SPG Biz but didn't know if there are any website in particular I should purchase from or any cash back options to look at before I buy. Planning to go Dec. 15 if that makes a difference.

I’ve also seen reduced pricing on Groupon. If you can stack it with portals, GCs and extra % off savings that helps a ton!

 

[CyndiLouWho]

Once it changes over in your online account you are good to go. Same number - I’m still waiting on my card and I upgraded almost two weeks ago now.

Wow, I guess I won’t bother watching the mail this week.

 

[eeyoreland]

Can someone tell me if buying a Disney park hopper is a good use of my Chase Ultimate Rewards? And also, is it correct that I have to call Chase's cruise department to do so? TIA!

 

[disneymagicgirl]

Does the Chase portal pay out for purchases of gift cards?

Not in my experience.

 

[disneymagicgirl]

Can someone tell me if buying a Disney park hopper is a good use of my Chase Ultimate Rewards? And also, is it correct that I have to call Chase's cruise department to do so? TIA!

Do you have a CSR?
I think someone posted earlier this week that they were showing up on the UR portal now.

 

[Lain]

Decided to try my hand at using Masterpass on Plastiq to help DH with MSR on his new IHG Premier. Will Plastiq be ok with me doing this multiple times up until the end of September? Will it stop offering the fee free promotion when October 1 is the earliest date a check can be promised to arrive at a payee’s address? Today the earliest date is September 18. I just used it to pay $250 on our electric bill. I’d be ok with doing that one or two more times this month just to get ahead on my bills. Could also use it to make extra payments on a vehicle loan that we’d like to pay off by November anyway. Am I going in the wrong direction here or is this plan going to work well for me?

See: https://www.reddit.com/r/churning/comments/9culx1/daily_discussion_thread_september_04_2018/e5e7g1n/

I’ve been liquidating MCGCs in $50s, $100s, and $500s (in $250 fee free increments), in several transactions a day to the same recipient, multiple times in the past few weeks. No problems.

 

[Oscar Madison]

Not in my experience.

Okay, so even though it lists Sam's Club in the portal, doesn't mean gift cards get the 2%?

 

[eeyoreland]

Do you have a CSR?
I think someone posted earlier this week that they were showing up on the UR portal now.

No, it's the Preferred.

 

[Limes96]

See: https://www.reddit.com/r/churning/comments/9culx1/daily_discussion_thread_september_04_2018/e5e7g1n/

I’ve been liquidating MCGCs in $50s, $100s, and $500s (in $250 fee free increments), in several transactions a day to the same recipient, multiple times in the past few weeks. No problems.

I read the Reddit link. Thanks, that helps! Should be able to meet that MSR well before close of the second statement then. I would be interested in using Plastiq with Masterpass to send a couple checks to my church. I think @wendow mentioned doing this. Anything I should know about before trying this? I don’t remember seeing a category this would fall under.

 

[DisneyMandC]

I’ve also seen reduced pricing on Groupon. If you can stack it with portals, GCs and extra % off savings that helps a ton!

That would be great! I’m not picky about the time we go, as long as we get tickets for that Saturday.

 

[disneymagicgirl]

Okay, so even though it lists Sam's Club in the portal, doesn't mean gift cards get the 2%?

I’ve ordered GC mixed in with grocery/other stuff online and only get points for the non GC portion.

 

[disneymagicgirl]

No, it's the Preferred.

Is your goal to get free tickets? If so then yes it’s a good use of your points.

I tend to prefer to use discounted or free gift cards that I collected through other means in order to purchase my tickets.

It is really just a personal decision.

 

[afan]

My googling led me to the myfico forums, which I didn't know existed. BUT it also led me to a card I can't believe no one wants. The Marvel card!

Earn 3% Cashback1
On Dining, Select Entertainment, Online at Marvel.com and Marvel's Official Merchandise Booths
+

Earn 1% Cashback1
On all other Mastercard purchases
Cashback will be paid as a statement credit

• No Annual Fee2
• $25 Statement credit3 after your first purchase with your new Marvel Mastercard
• 10% Off Merchandise4 purchases at MarvelShop.com every day
• Free Shipping Offers5 on MarvelShop.com during certain times of year
• Special Discount6 on Marvel Unlimited or Marvel digital comics

I can actually see why a hard core Marvel fan that isn't into travel hacking would get this card it's not terrible. Just thought it was interesting that it exists.

 

[afan]

I only kind of wish this kid had posted on r/churning for the but it shows what being young and not educated with how all this works can do https://ficoforums.myfico.com/t5/Cr...i-Won-t-Budge-on-Denial-Decision/td-p/5345093

You'll need to copy and paste, linking won't take you to the post.

Will have to check back and see if he posts what happened

ETA to fix the link