I love credit cards so much!

[amalone1013]

I got an email last night for my free birthday drink from Starbucks. This morning I was looking and looking and couldn't find it in my account... couldn't find the email (I was looking in the wrong email acct)... so I gave up and used my reward I already had. Just found the email... since when is your birthday drink ONLY good on your birthday?

 

[elgerber]

I actually have no interest in the nutcracker movie. It looks really strange to me. I’ll probably see it from redbox. I can’t decide about the Mary poppins movie either. Dh loves Mary poppins but he hasn’t said anything about this new movie. We saw a trailer for a movie called Instant Family that looks pretty good and another one called Marwen.

Zero interest in the Nutcracker here too. Mary Poppins on the other hand, I cannot wait!! We have planned this to be our annual Christmas Day movie since the day it was announced.

On the DCL topic. We have done it twice, but we won't ever do another. The prices have increased so much since we last did one, it's just insane. They have priced us out. I can do WDW so much cheaper and that is really more of our vacation style. Our cruises were fun, as we went with other people, so we had plenty to do, but I prefer WDW. That said, if you want to do one, they are very nice, but I would not do a Land and Sea package, I would book the land portion yourself, it will likely be cheaper.

 

[Jaime4004]

I'd love to be a DP for if Costco is coding 5x on the CF but my dh went today and dropped a hefty sum, and even though I updated his stickies, he used the Citi Costco card I still love him and all but not real happy with him atm. As a wife, I don't ask much, I'm not high maintenance, I'm not naggy, I'm loving, a great cook and I take good care of his children. All I ask in return is that he use the right card at the right place. Is that asking too much

Same. We were at bakery this weekend and I was about to pay, then told DH (standing right next to me) that I needed him to pay to use his Amex (meeting SPG MSR). So he did. After it went through and the cashier was handing it back to him, I noticed it was the CIC. Seriously, I could have easily paid myself with a chase, asked him to pay and use Amex!

 

[amalone1013]

Same. We were at bakery this weekend and I was about to pay, then told DH (standing right next to me) that I needed him to pay to use his Amex (meeting SPG MSR). So he did. After it went through and the cashier was handing it back to him, I noticed it was the CIC. Seriously, I could have easily paid myself with a chase, asked him to pay and use Amex!

Sounds like something mine would do

 

[wendow]

Sounds just like me. I was up watching Beat Bobby Flay and Chopped last night.

Yes!! Love me some Chopped! I’m an hgtv and food network junkie

 

[elgerber]

Anyone remember me posting about mysteriously getting Gold status with AA which I have never even flown on? Well I figured it out!
I just logged into my account, and found several flights taken that are not mine.
Last year, I got some flight status update emails, and of course I had no flights. I called AA and they couldn't really figure out why someone elses flight was tied to my AA number, they thought maybe they had the same name. They said they would look into it, but my account was fine, don't worry about.
Turns out this same person (I assume) took a few more flights that were all credited to me. And has another booked in December. (scary for them, since I can cancel that flight with a click of a button).
Thoughts on how to deal with this, do I call them again? No one has used any of my points. But it seems the expiration date of my actual points that I earned with credit card bonuses are obviously not in line with the current expiration date.

Anyone have any thoughts on this, this is such a weird situation!

 

[Lain]

I lost track a week back here(so confusing!) but I need to clarify, Chase counts a card as dropping on the ACTUAL date,or the first of the month for that date? so if my '2 year' drop date is 12/10/18....when does it actually fall off? 12/1,or 12/10? and when is it 'safe' to apply for a new card? (going for sw biz 1st,then waiting 30 days for next app)

I think it actually has to do with which credit report they pull in your state. To be safe, I'd wait until Jan 1(first of the month after your date).

yesss I saw some of that chatter a ways back and bookmarked that chart,my state says experian 4 for chase....so what does that mean? My actual drop date is 12/1/18...can I apply on 12/2?

See:

Do you know which credit bureau Chase pulls for you? Check Credit Karma for EQ/TU, and the Experian app for EX.

If Chase's pulls appear only on EX, you'll notice all your accounts are back-dated to the first of the month. You are safe to apply, because Chase will see you as under 5/24.

This will only work if EX is the only bureau Chase pulls for you. If they pull EX and one or both of the others, you'll be denied.

 

[Judique]

I think it actually has to do with which credit report they pull in your state. To be safe, I'd wait until Jan 1(first of the month after your date).

This post inspired me to sign up for Credit Karma and take a look at what they had listed.

I've already been looking at Credit Journey on the Chase website.

Credit Karma listed Transunion and Equifax.

Both gave me a high credit score. No worries there.

But Equifax had me listed as having 11 closed accounts some with Chase, that I don't remember. ??

They also suggested that I had poor odds for opening a Chase Freedom (just opened one a few months ago) and very good odds of approval for opening a Chase Sapphire Preferred.

Transunion listed 1 hard pull in the last 2 years.
Equifax listed 5 - 4 of them from Chase. But the transunion account isn't listed. It will fall off in Dec anyway.

I wonder if I applied for a Chase card in January - February, if it would get approved? Probably not as it looks like my Amex Lux is not showing anywhere yet. I'm sure once that hits it will negate a new Chase card.

 

[Lain]

also... I SM'ed chase to remove DH as AU on a couple of my cards(swa and ihg) on 9/13 they confirmed...how long till I see that reflected on credit karma? DH would be under 5/24 if those would drop off

Chase accounts on credit reports update shortly after the close of statement each month or if an account is paid in full.

Have you checked Credit Karma?

Did DH also request Chase remove his closed AU accounts from his credit reports?

Did DH dispute the closed AU accounts with the credit reporting bureaus directly?

 

[Judique]

If you’ve played already and received an instant win prize (e.g., points), it doesn’t appear you’ll get to win any more daily points or prizes for the rest of the sweepstakes; you’re just playing for another entry for the grand prize each time.

Entered today, and no points. Seems to be the same among redditors who played yesterday, got points, played again today, no points.

Same here.

 

[Lain]

This post inspired me to sign up for Credit Karma and take a look at what they had listed.

I've already been looking at Credit Journey on the Chase website.

Credit Karma listed Transunion and Equifax.

Both gave me a high credit score. No worries there.

But Equifax had me listed as having 11 closed accounts some with Chase, that I don't remember. ??

They also suggested that I had poor odds for opening a Chase Freedom (just opened one a few months ago) and very good odds of approval for opening a Chase Sapphire Preferred.

Transunion listed 1 hard pull in the last 2 years.
Equifax listed 5 - 4 of them from Chase. But the transunion account isn't listed. It will fall off in Dec anyway.

I wonder if I applied for a Chase card in January - February, if it would get approved? Probably not as it looks like my Amex Lux is not showing anywhere yet. I'm sure once that hits it will negate a new Chase card.

I think you applied for the SPG Lux around the same time as me. The SPG Lux isn't showing on my credit reports yet. However, my second statement is going to close in about a week, and I expect the SPG Lux will show up on my reports shortly after. I don't know how that'll affect your 5/24 count by January.

And don't mind Credit Karma's credit card recommendations -- it's essentially advertising and how they make their money.

 

[MrPTato]

Heads up @speedyfishy, @SBWB48, @linzjane88, @MrPTato, @Albort, @platamama and other WM MSers: New policy going in effect to log SSN for MO purchases over $1k.

This is the second mention I've seen about a policy change coming to WM MOs. Both mention a $1k MO threshold and effective date of 10/16. The earlier post mentioned ID, not SSN.

ETA found the earlier post: Starting next Tuesday, WM will require ID to buy more than $1k in MO.

Thanks for the heads up. I have only done Walmart a couple times as I find Stop&Shop much easier.

 

[SouthFayetteFan]

FYI - you may only be able to instant win points ONCE on the Marriott 29 ways promotion...

T&C's state: The total maximum ARV of all prizes is $3,731,553.40USD. Limit one (1) Instant Win Prize per person.
Also this text after you play: Come back and play tomorrow for another grand prize entry.

So it seems that once you "Instant Win" points...playing on future days only gets you grand prize entries and no more points. This makes me super excited about the 50 and 50 points that my wife and I won today. Yay...100 Marriott points...

If anybody is able to instant win a second time, please report back...but this looks like a HUGE DUD!

 

[Haley R]

I think the nutcracker movie looks kind of weird also but one of my dd’s is a dancer and Misty Copeland is in the movie so this will equal must see for her lol. I think there’s chatter at the dance studio of a group forming to go see opening weekend. So I may not see that one right away if that happens.

Yeah I would avoid opening weekend then lol

 

[Haley R]

Reaper at the Gates is actually the third book in a series. I know this because I got it, started reading, and said... "Why does it feel like things already happened that I'm supposed to know about, but I don't?!" Checked & sure enough, before that there are two other books, Ember in the Ashes & Torch Against the Night. I read the first one & it was great but the second one is on hold because I'm too busy with Vengeful & Muse of Nightmares.


Good luck!


I pay off everything I charge 2-4x per month. Amex would not let me pay above the total amount due on my first statement, but I think that was because it was a new card receiving its first payment from a new (to Amex) bank account, not because they have a particular rule about it.

Lol yeah I know it’s the third book. I read the other two and have been waiting for this one. There were like 20 people ahead of me waiting for the book.

 

[elgerber]

FYI - you may only be able to instant win points ONCE on the Marriott 29 ways promotion...

T&C's state: The total maximum ARV of all prizes is $3,731,553.40USD. Limit one (1) Instant Win Prize per person.
Also this text after you play: Come back and play tomorrow for another grand prize entry.

So it seems that once you "Instant Win" points...playing on future days only gets you grand prize entries and no more points. This makes me super excited about the 50 and 50 points that my wife and I won today. Yay...100 Marriott points...

If anybody is able to instant win a second time, please report back...but this looks like a HUGE DUD!

Yep, HUGE dud. Like you I am super grateful for the 50 points each yesterday LOL

 

[Haley R]

Zero interest in the Nutcracker here too. Mary Poppins on the other hand, I cannot wait!! We have planned this to be our annual Christmas Day movie since the day it was announced.

On the DCL topic. We have done it twice, but we won't ever do another. The prices have increased so much since we last did one, it's just insane. They have priced us out. I can do WDW so much cheaper and that is really more of our vacation style. Our cruises were fun, as we went with other people, so we had plenty to do, but I prefer WDW. That said, if you want to do one, they are very nice, but I would not do a Land and Sea package, I would book the land portion yourself, it will likely be cheaper.

I think I would rather hit up all of the Disney parks before doing a cruise.

 

[chattadisser]

If you’ve played already and received an instant win prize (e.g., points), it doesn’t appear you’ll get to win any more daily points or prizes for the rest of the sweepstakes; you’re just playing for another entry for the grand prize each time.

Entered today, and no points. Seems to be the same among redditors who played yesterday, got points, played again today, no points.

No wonder I never got another email today telling me how many points I got. Ugh, this is a dud...whoopie 50 Marriott points, how will I ever decide what stay to use them on????

 

[WVMomof3]

I got an email last night for my free birthday drink from Starbucks. This morning I was looking and looking and couldn't find it in my account... couldn't find the email (I was looking in the wrong email acct)... so I gave up and used my reward I already had. Just found the email... since when is your birthday drink ONLY good on your birthday?

My DH found this one out the hard way. He only orders black coffee, unless he has a free drink then he gets the Venti frou frou drink. Ordered it then went to use birthday drink, nope- expired. He was so mad. This was after he offered to pay for a coworkers drink on a trip because he knew he had stars expiring and he just wanted the plain coffee. So she orders Venti frou frou and he went to use stars and nope couldn't use them because they were not really at a real starbucks, hotel lobby maybe, not sure. He claims he is done with starbucks for awhile. Of course, he did just put $50 on his card from the Amex promo, so I guess he is all talk.

 

[GZanta77]

Guess we lucked out - DW and I both hit 500 marriott pts each. Now to plan the vacations........oh.....hmmmm.