I love credit cards so much!

[disneymagicgirl]

2 days ago I cashed out $42

I updated my app. Will see if that fixes it, but the last update is what broke it.

 

[disneymagicgirl]

My first batch of discounted gift cards arrived today from the Sam's Club deal this past Saturday. Shipping trackers say I have deliveries out for tomorrow and Friday as well. Decently fast but definitely not two day.

I got mine yesterday too.

 

[disneymagicgirl]

Do point costs for Hilton hotels normally fluctuate? I know the cost might go down as it gets closer but do points per night also go down?

At times.

 

[disneymagicgirl]

Total FOMO about this SW 50k offer. So I’m at 2/24. Last personal card app was about a year ago. Most recent app was 10/10 with a 10/17 approval for SW Biz. I’m not flying SW until 12/23. Somebody talk me into or out of applying tomorrow morning. I’d really enjoy a lower MSR to see if I could get the companion pass before our March trip.

I applied for the biz 8/30 and the personal 10/3. No issues. Go for it.

 

[disneymagicgirl]

My husband has some Hilton points from business travel. I recently looked at the Hilton at Disney Springs for the weekend of Feb 8-10. It says 50,000 a night, but when you go to select rooms I couldn't find anything under 115,000 points a night! 115,000 a night for a room listed at $251 is crazy! I would also be curious to see if points go down.

It must be a premium room reward. I was looking at a suite there and the cash price was very reasonable but since it is a premium room reward, the points price was astronomical. So annoying how that works. The beach hotel we were just at was the same way with their suites.

 

[tink1970]

I seem to have lost the ability to generate referrals on all of my Amex business cards. I'm hoping it's a temporary glitch.

Me, too!

What five Amex cards is everyone planning on keeping long term? I didn’t realize I’m at 4 with the Blue Biz. I think I definitely want to keep the SPG Biz for the free night and the Blue Business for the 2x MR. What else? I’m planning on opening the ones I want to cancel first and my keepers I’ll get later since I’m running out of slots. Hilton? Delta? Focus on MRs?

I ponder this daily. Currently I'm at five: SPG Biz, SPG Lux, Delta Plat Biz, Delta Plat Personal and EDP. With the awesome changes to the (rose) Gold, the EDP is essentially not worth a slot to me anymore, but I promised DD we'd keep it until the AF in Feb. The BB I think would be the best for 2x and whether I'll trade in one of my SPGs and Deltas completely depends on 1) where DD attends university and 2) if there is a good Delta Reserve Biz offer (I've gotten the offers on both golds, both plats and reserve personal already).

If I were you, I'd consider where and how you travel and whether Hilton/Delta/SPG benefits you in the short to mid term (1-3 years). Maybe one of the Hiltons and maybe a gold Delta when there's a 60k or 70k offer if it won't be a keeper then the next year maybe a plat dl (or biz for either). If you know you have a trip for you and your SO and want to take advantage of the companion pass, then maybe the DL Plat Biz/Personal 13 months before that trip (it's for the 48 contiguous States only). I actually like having a companion fare in my Delta wallet since the ILs are OLD and figure we'll have to fly out to California emergently at some point.

Honestly, I think you already have the smartest choice of any of them (Blue Business), although if you don't want the (rose)gold and are willing to play the Make Sure I have 30 Transactions Game the EDP is a strong MR earning card (assuming you buy groceries/gc at a grocery store and/or drive).

Just realized I typed a novella, hope it helped

I am trying to be strong and letting my Vineyard Vines basket sit there...but SW has 4x (and I'm trying to get to the $1000) and a $30 off offer on my AmEx...and does DS really need 6 more shirts??

Of course he does! Growing boy and all And you know, miles plus a coupon...I have a feeling before the offer expires DD will have several more shirts, as well, plus maybe another whale stuffie. Because, why not?

 

[Jax1023]

if I apply for the southwest biz today can I also apply for the personal with these links later today? Or will that mess things up?

 

[amalone1013]

SW is changing my MCO flight times! If it was just us I would be like, these return times are awesome! Because the latest returns I've gotten so far are 5pm-7pm, and now they have 8:50pm which we would jump on. But the departing flights are usually 5:30pm-6pm, which means we don't have to miss work, and now it's 7:50pm which means a 1:20am arrival in MCO. If it was just us I might do it, and we could live for a quick trip. But I think a 1:20am landing is out for FIL. and the only one before it is 2:30pm.

 

[Alexle2007]

Of course he does! Growing boy and all And you know, miles plus a coupon...I have a feeling before the offer expires DD will have several more shirts, as well, plus maybe another whale stuffie. Because, why not?

The wait proved useful in the decision since I had gone all the way through to the point of just needing to submit the order. And lo and behold, VV sent me a coupon code for 20% off. I tried seeing if it would work on my current order and it did So he now has 7 new shirts (since I had to bring the order back up over $150 for the AmEx offer) So procrastination proved useful! (And I entered a different email address when I completed the order so I now have another coupon code for 20% off.) Winner, winner!

 

[speedyfishy]

ponder this daily. Currently I'm at five: SPG Biz, SPG Lux, Delta Plat Biz, Delta Plat Personal and EDP. With the awesome changes to the (rose) Gold, the EDP is essentially not worth a slot to me anymore, but I promised DD we'd keep it until the AF in Feb. The BB I think would be the best for 2x and whether I'll trade in one of my SPGs and Deltas completely depends on 1) where DD attends university and 2) if there is a good Delta Reserve Biz offer (I've gotten the offers on both golds, both plats and reserve personal already).

If I were you, I'd consider where and how you travel and whether Hilton/Delta/SPG benefits you in the short to mid term (1-3 years). Maybe one of the Hiltons and maybe a gold Delta when there's a 60k or 70k offer if it won't be a keeper then the next year maybe a plat dl (or biz for either). If you know you have a trip for you and your SO and want to take advantage of the companion pass, then maybe the DL Plat Biz/Personal 13 months before that trip (it's for the 48 contiguous States only). I actually like having a companion fare in my Delta wallet since the ILs are OLD and figure we'll have to fly out to California emergently at some point.

Honestly, I think you already have the smartest choice of any of them (Blue Business), although if you don't want the (rose)gold and are willing to play the Make Sure I have 30 Transactions Game the EDP is a strong MR earning card (assuming you buy groceries/gc at a grocery store and/or drive).

Just realized I typed a novella, hope it helped

Thank you. I like hearing what everyone has it helps make me make a decision. I don’t think the EDP would be worth it for me to keep long term. But I do want it to get the bonus and max out the grocery category for the first year. I also think a Delta card maybe worth keeping. Delta is pretty much everywhere and I even like the free bag benefit with the card, but I may just earn and burn those miles and stick with AA. Ugh idk lol I guess I can’t plan this out and make a long term strategy. I’ll just have to go with the flow.

 

[speedyfishy]

if I apply for the southwest biz today can I also apply for the personal with these links later today? Or will that mess things up?

You can IF you get approved today for the business card. For the business card you need to be under 1/30 and the personal you can get approved for after as long as you are under 2/30.

 

[palhockeymomof2]

if I apply for the southwest biz today can I also apply for the personal with these links later today? Or will that mess things up?

It will most likely mess things up..Chase has been cancelling the second card applied for on the same day....so I would not recommend applying for both on the same day.
Apply for the business card first....after it’s approved....then you can apply for the personal...

 

[elgerber]

This offer has me in a tizzy LOL, I am nervous to pull the trigger, I think I am 13 days since approval for the SW Biz, that I just put my first spend on about 20 minutes ago LOL.
That is my only Chase app in the last 18 months.

 

[DrFacilier]

Eek! I went for the SW offer and was instantly approved! I figured the stress of worrying that the offer would be lower inflight in six weeks would be worse than the worry over meeting 4 MSRs with rolling deadlines.

Um, anyone have any tips for meeting MSR while also saving for a house?

If you have no other apps with Chase, other than the SW Biz, in the past 30 days, you're good to go. On a Chase personal card application, you can be approved if you've had less than 2 Chase (personal or business) applications in the past 30 days.

DoC has two links up that are working: https://www.doctorofcredit.com/chas...0-points-after-2000-in-spend-use-at-own-risk/

DPs from r/churning say that upon calling in or SMing after approval, reps confirm 50k offer is attached.

ETA: Congratulations! I did not see your subsequent post! The DIS has been glitchy all morning.

I applied for the biz 8/30 and the personal 10/3. No issues. Go for it.

Instant approval!!! Thanks for giving me the push this morning @Artygal90 !

ETA: What is the number to call to make sure the 50k bonus is attached to my app?

 

[palhockeymomof2]

This offer has me in a tizzy LOL, I am nervous to pull the trigger, I think I am 13 days since approval for the SW Biz, that I just put my first spend on about 20 minutes ago LOL.
That is my only Chase app in the last 18 months.

With your stats..I’d apply today

 

[mmmears]

The wait proved useful in the decision since I had gone all the way through to the point of just needing to submit the order. And lo and behold, VV sent me a coupon code for 20% off. I tried seeing if it would work on my current order and it did So he now has 7 new shirts (since I had to bring the order back up over $150 for the AmEx offer) So procrastination proved useful! (And I entered a different email address when I completed the order so I now have another coupon code for 20% off.) Winner, winner!

With the many, many AMEX cards we have how is it possible that I never get a VV deal through them. Probably because I spend too much there anyway. I have a 25% off VV coupon, in-store only today, and no way am I going out into that bad air just to save a few dollars.

 

[Jax1023]

Just autoapproved for southwest biz. Hopefully these links stay active for another day or two so I can get the personal

 

[disneybirds]

Just got a notice that my DH's RMN account has been suspended for fraudulent activities. Anyone else receive this message before? All my transactions have been gift cards and none have been returned. Nothing was pending and the last transaction was on 10/24. Wondering if it is because I log in and out of the two accounts? Just hope they don't shut down my primary one!

 

[striker1064]

Ugh idk lol I guess I can’t plan this out and make a long term strategy. I’ll just have to go with the flow.

That's what I do, especially with Amex. It seems every few months a new or matched all-time high comes out on the SPG or Hilton cards, so if you have any use at all for those you wouldn't want to miss them just because of a plan.

 

[wendow]

Has anyone here confirmed with Chase you are getting the 50k with the SW link @Albort posted?