I love credit cards so much!

[disneybirds]

I know there have been numerous posts between here and the gift cards thread on RMN. I tried it this week at Walgreens because of the CF category and the $10 posted today. I’m willing to try more today as it’s the last day, but I know there were a couple stores that weren’t working for most people. I think they were Kohl’s and Staples, right? I’ll take the risk on some, but if it’s one that hasn’t worked for many people I won’t bother.

I was going to try Staples the same day as Walgreens, but they only sold the $50 GC. While it would be great to save 20% on the card, I didn’t want to pay full price if the purchase didn’t track. I would’ve felt better about it if they had $25 or variable load. Anyone try Staples with success? Just trying to map out my RMN plan for today.

Kohls is the only place that hasn't posted for me. My Staples only had $50 gift cards as well. I just put $25 on two different cards and both posted. Good Luck!! I have a few more to do today as well.

ETA: I only did GCs at each store. I had Staples, Walgreens, CVS, and HD all post.

 

[Alexle2007]

Thanks for the information! It sounds like most Kohl’s stores don’t have Disney, and I don’t need anything from there at the moment. I’m hoping to find a Staples that has less than $50 to try it out.


That’s really great! Did you use filler items, or only GCs? I’m going to try a few today, and hopefully the new offers that come out will be decent enough for me to continue using it!

No filler items except for Staples once when I needed some folders for DS. Other that straight GC sales. (I wasn’t purchasing Disney GCs though- iTunes, Chick-Fil-A, TJ Maxx, Olive Garden, etc...

 

[Livelovedance]

Kohls is the only place that hasn't posted for me. My Staples only had $50 gift cards as well. I just put $25 on two different cards and both posted. Good Luck!! I have a few more to do today as well.

You were able to earn $10 twice on one offer? I didn’t think about that!

 

[Alexle2007]

You were able to earn $10 twice on one offer? I didn’t think about that!

She probably split the payment between two different RMN accounts. I did that at Macy’s and Kphl’s. I put $20 on the CC attached to DH’s RMN account and balance on the CC attached to my RMN account and had no problem with the offers posting.

 

[Livelovedance]

She probably split the payment between two different RMN accounts. I did that at Macy’s and Kphl’s. I put $20 on the CC attached to DH’s RMN account and balance on the CC attached to my RMN account and had no problem with the offers posting.

Ohh okay, that makes more sense lol

 

[DaveL]

SB people... So I went to BB last month and got a $300 Disney GC, the 750 points showed up in my account but the trip bonus portion never showed up. Are those delayed or did I do something wrong? I had them scan the barcode and it must have worked since the 750 showed up. Prob just figured out how to get the $7.50 out and close it as i am tired of the emails now.

 

[hsmamato2]

You had the 15k upgrade offer for SPG Lux? The problem is Amex bonuses are once in a lifetime. So you are taking a 15k upgrade bonus when you could apply and get 100k. And once you do, you’re not eligible for the 100k.

well....that's what I'm tossing around here...and I can't decide right now..... do you (and other 'experts' here think it's smarter to cancel the current card- then later on (sometime) apply for the 100k offer? I have to cancel a cc anyway to qualify since I'm at 5+ (with AU) and I thought I had read plenty of DP's elsewhere about the double TC????? am I imagingin I read that? or was it hopeful thinking only? I thought the TC was posting,and then when AF time rolled around the 2nd TC was available (calendar year???) what am I getting wrong here? (this is a main reason I'm hesitating, I don't think I have the facts straight) I was thinking the *2 TC's,plus the free 50k nite was more valuable to me via upgrade than the *cancel/apply/spend 5k,get 1 TC plus 50k nite.....

 

[hsmamato2]

I understand about the $10 off if you spend $20 or more, and that you won’t save much with multiple purchases, but...the RMN for staples expires today anyway. I receive 5% back from Chase at Staples with my CIC, but I didn’t know if there was a limit for the % back for gift cards?

technically it doesn't matter for the discount you'll get $10 off. Yes, if you buy a $25 gc it's a bigger chunk of the actual gc that's discounted....but..... if you buy a $500 gc,it's still $10 off and now you have a 'free' $500 gc to use.... either way you've saved $10 on your purchase. I bought a bigger gc a couple of times bc I figured it was a good savings (no fee etc) and I can use that card like cash!

 

[disneymagicgirl]

Haha - well if I moved all my URs to SW right now we’d be over 1 million.

I really need to know the secret. I use them as fast as I can earn them.

 

[3 DD love princesses]

SB people... So I went to BB last month and got a $300 Disney GC, the 750 points showed up in my account but the trip bonus portion never showed up. Are those delayed or did I do something wrong? I had them scan the barcode and it must have worked since the 750 showed up. Prob just figured out how to get the $7.50 out and close it as i am tired of the emails now.

The actual 300 wont post till 30 day past. It should say pending

 

[Livelovedance]

Credit score question: Is it normal to have very different scores for different credit bureaus?

I received the credit letter for the DVC loan I just took, and my score includes four different factors for why my score is what it is. It made me a little nervous! My DVC guide said I’d receive the paperwork this week and I didn't, which was also concerning, but the points are already in my account and my Disney Visa was already charged. The charge on my Discover card didn’t even go to pending yet though, and I did it a week ago.

Should I be concerned?

 

[3 DD love princesses]

Ok so with school starting and my volunteering I’ve been away for over a month. Went to get on today to try to catch up but it didnt show last read so not sure where I truly left off.

If anyone wouldnt mind sharing a brief catch up I’d really appreciate it.

I did notice the sb bb changed and isnt as good of a deal for $50 anymore.

 

[3 DD love princesses]

Credit score question: Is it normal to have very different scores for different credit bureaus?

I received the credit letter for the DVC loan I just took, and my score includes four different factors for why my score is what it is. It made me a little nervous! My DVC guide said I’d receive the paperwork this week and I didn't, which was also concerning, but the points are already in my account and my Disney Visa was already charged. The charge on my Discover card didn’t even go to pending yet though, and I did it a week ago.

Should I be concerned?

My score varies between the companies. I wouldnt be worried if the points are in your account.

 

[disneymagicgirl]

I know there have been numerous posts between here and the gift cards thread on RMN. I tried it this week at Walgreens because of the CF category and the $10 posted today. I’m willing to try more today as it’s the last day, but I know there were a couple stores that weren’t working for most people. I think they were Kohl’s and Staples, right? I’ll take the risk on some, but if it’s one that hasn’t worked for many people I won’t bother.

I was going to try Staples the same day as Walgreens, but they only sold the $50 GC. While it would be great to save 20% on the card, I didn’t want to pay full price if the purchase didn’t track. I would’ve felt better about it if they had $25 or variable load. Anyone try Staples with success? Just trying to map out my RMN plan for today.

I have done staples many times. No issues at all.

 

[jhoannam]

I know there have been numerous posts between here and the gift cards thread on RMN. I tried it this week at Walgreens because of the CF category and the $10 posted today. I’m willing to try more today as it’s the last day, but I know there were a couple stores that weren’t working for most people. I think they were Kohl’s and Staples, right? I’ll take the risk on some, but if it’s one that hasn’t worked for many people I won’t bother.

I was going to try Staples the same day as Walgreens, but they only sold the $50 GC. While it would be great to save 20% on the card, I didn’t want to pay full price if the purchase didn’t track. I would’ve felt better about it if they had $25 or variable load. Anyone try Staples with success? Just trying to map out my RMN plan for today.

It worked for me, but I bought a $100 GC to Target because I need that much. I got the $10 Amex credit and the $10 RMN.

 

[SouthFayetteFan]

So, looking for suggestions. I am playing to have DH apply for a card. I’m hoping for a solid cash back/points offer upfront as well as steady returns on the card throughout the year. Just not sure which one to get? He does most of our grocery shopping (which is typically at Walmart and one other grocer), and we get 2% back towards Disney Rewards for most of his use. I’d want something that at least matches these earnings. He also picks up take out, which we do if we aren’t traveling. Which card is the way to go? I just got the CIC, and don’t want a duplicate of that. I have looked at CIP, CIC unlimited (I have the CIC 5%), CSR, CSP, Hilton Honors, SPG, citi double cash, Savor??? One question, if we downgrade our no annual fee Disney Visa card, what should we downgrade it to? Is the CSR too much for us? We go to Canada regularly, but I honestly didn’t know what Global entry even was? Lol TIA

I’d honestly ignore the ongoing return and prioritize signup bonus above all else (as well as a card he can refer you to later). To me this is either CIP, CSR or CSP. They are the 3 best offers out there and all 3 typically would offer the ability to refer yourself from husband’s card later.

I won’t go thru all the math here but I seem to recall that cashback is your goal.

• If he got a CSP and then referred you, you could earn $1,180 on your next $8,000 in purchases (15%).
  
• If he got a CIP and then referred you, you could earn $1,710 net cash on your next $10,000 in purchases (17%).
• You could also do both of these strategies over the next 6-9 months.

Ongoing return is great but you aren’t going to beat 15% and 17%. Going from bonus to bonus will always be your most lucrative return

 

[disneymagicgirl]

Oh, and thanks to using RMN so much, I remembered to check for offers when we went to PF Chang’s yesterday and there was an offer for buy one entree, get one entree free so $16 savings on our meal!

wow, thanks. dinner is now planned.
I have never thought to check for restaurants.

 

[DaveL]

The actual 300 wont post till 30 day past. It should say pending

Okay, I got it wrong, The 750 is the trip bonus, and the 2x points (600) in this case will show up in 30 days. Some reason I had it in my head it was a 2.5% back in points on purchase! LOL. Funny how the math matched what I had in my head!

Odd, when I go to activity I see this, Does that mean they are checking for Disney gift cards now with the 0 SB and no status...
09/17/18 Best Buy <ID> $300.00 0 SB <Status blank>

 

[calypso726]

well....that's what I'm tossing around here...and I can't decide right now..... do you (and other 'experts' here think it's smarter to cancel the current card- then later on (sometime) apply for the 100k offer? I have to cancel a cc anyway to qualify since I'm at 5+ (with AU) and I thought I had read plenty of DP's elsewhere about the double TC????? am I imagingin I read that? or was it hopeful thinking only? I thought the TC was posting,and then when AF time rolled around the 2nd TC was available (calendar year???) what am I getting wrong here? (this is a main reason I'm hesitating, I don't think I have the facts straight) I was thinking the *2 TC's,plus the free 50k nite was more valuable to me via upgrade than the *cancel/apply/spend 5k,get 1 TC plus 50k nite.....

The statement credit is Card Anniversary year, not calendar year.

https://www.americanexpress.com/us/...rred-guest-luxury-card/28009-10-0#offer-terms

I would cancel the current card and wait until I was eligible for to apply for the full bonus.

 

[LuckyMamaInDE]

I know there have been numerous posts between here and the gift cards thread on RMN. I tried it this week at Walgreens because of the CF category and the $10 posted today. I’m willing to try more today as it’s the last day, but I know there were a couple stores that weren’t working for most people. I think they were Kohl’s and Staples, right? I’ll take the risk on some, but if it’s one that hasn’t worked for many people I won’t bother.

I was going to try Staples the same day as Walgreens, but they only sold the $50 GC. While it would be great to save 20% on the card, I didn’t want to pay full price if the purchase didn’t track. I would’ve felt better about it if they had $25 or variable load. Anyone try Staples with success? Just trying to map out my RMN plan for today.

Staples worked twice for me.