I love credit cards so much!

[miztressuz]

are they stackable? i see the lowes 10% on all my cards... seems like i have to add it to every card manually which leads me to believe its one per card?

I think it's one per card. I have the Lowe's offer on 3 of 5 cards, if it was pooled like BoA I wouldn't think I'd see them listed on separate cards. Plus I have slightly different offers, like my Starbucks on one card is only 5% whereas it's 10% on the others. So it seems different than how BoA did their BankAmerideals where you can use any card to get the offer and just pool it to one card for cashback. I think we can do each offer on every card we add it to and the cashback will go back to that card.

But I've got no evidence I just got the offers to show up today so I haven't tried it to see what happens to the others I added. It would seem silly to make you add it individually but then have it disappear once you used it for the first time on any card. But it's new so who knows what silliness is designed into it or just a glitch. Hopefully if it's a glitch it's in our favor and we can use it on each card before they figure it out

 

[Judique]

I see an AMEX offer for $10 back on $30 at Cheddar's through 12/31. Makes me happy

I have that one also. There's one near me and I've gone there only twice but both times I had a decent meal. I'll be using this offer.

 

[speedyfishy]

My Blue Biz finally came today after getting approved 10.11. Finally and seeing good Amex offers now tho. Got spend $50 at Amazon get 2000 MR and 10% back on a cell phone bill up to $40.

 

[miztressuz]

Also, On my SPG Card. I have 2 Lowes Offers. Get $50 back when you spend $250 in one transaction and 10% back (up to $100). Will these stack? Could I buy $250 in Gift Cards and only pay $175? That would be 30% savings.

They should, all mine have stacked so far. I had a $5 off office supply stores and a 10% back at Staples that stacked when I bought 1 $50 GC. So I got $10 off $50 all total. Should work the same for that Lowe's offer. (so jealous, I didn't get it)

 

[Alexle2007]

lucky you we had school. lots of rain

We had about 7 inches of snow at our house so it was a good call by the county and then a 2 hrs delay on Fri.

 

[disneymagicgirl]

Dh and I aren't sure what to do next in terms of which card(s) to get. Here is our current situation:

DH-CSR, CIP, Hilton Honors CC
Me-CIP, Hilton Business

We will need 85k points/night for our Hilton room in Japan. We might have around half of what's needed by the time our bonuses post for our current Hilton cards. We will also need plane tickets to and from LAX and will either purchase through the Chase portal or transfer points to Southwest. We have 30k points currently on our Chase account. The Chase cards seem to be easier to meet MSR because a lot of places don't take Amex.

So these are our options:
Dh-new Hilton card ($3,000 MSR) or Southwest CC
Me-new Hilton card ($1,000 MSR), Southwest CC or CSR ($4,000 MSR)

What do you guys think?

How much is the room through the UR portal? I find that the better way to do those upgraded hilton rooms is often cash, as we discussed. So maybe you should book the remaining nights through the portal at 1.5x using a new CSR??

 

[disneymagicgirl]

ok so working to catch up again since DD was sick. on page 3015 so eventually I'll catch up.

DH is 8 nights away from gold with marriott. is there a card he could get that would give him some nights to make him closer? thanks

My DH got gold at starriott from the Amex personal plat. At least I think thats where it came from. But it was just status, no nights.

 

[speedyfishy]

Saw in informed delivery I was supposed to get a targeted AA mailer today. It was not in my mailbox. this is like the fourth one that has shown but never arrived. I really wonder if my mail person is taking these. Checks also seem to go missing and never arrive. This is why I pay a bit extra for my GCM orders to be shipped with tracking...

 

[MrsAlexis]

It's for my business in that I check my emails and use my phone to contact my rental's management co on it, but it's not an AT&T business account like the offer said. I used the chat to contact them, I don't see any reason not to the worst they'll do is say it doesn't work. But you have to have paid at least $200 in one charge. I don't know what they looked at when it was escalated since I didn't get any response just saw the credit.

Thanks for this! Just chatted with them and they said look for the credit in 3-4 business days and, if not received, follow up. So seems promising!

 

[palhockeymomof2]

I know I probably asked this before but getting ready for the SW biz card either in Dec or early next year.

Reminder on my stats in case the spreadsheet isn't available.
CIP 2/18
SPG Biz 3/18
IHG 3/18
CIC 5/18
Hilton Biz 5/18
Citi AA Biz 7/18
Barclay's Aviator Biz 8/18
CSR 9/18

I still want SW Biz and SW personal for a CP in 2019/2020. Those are must haves. After that will have 2 spots for Chase Personal but nothing is calling to me. I don't think I want the SPG Lux. I am a little anti high AF but need to review the benefits before making a call. I think since I have the SPG biz, I can't have Marriott biz but I think I am free to go for Marriott personal. Let me know if I messed that up. If I don't go for SPG Lux, will try for Marriott card.

On airlines, we fly mainly SW but are open to anything. Seems like we can get some good Delta/United/AA flights here depending on the destination. Maybe a United card? But I am not sure I have a use right now or in the future. We are mainly domestic flyers so no need for international partners.

Here is my real question - Credit Limits. Is it better to reduce or have some room to move CL around if needed? I don't want to reduce if having some that I could move would be better. Don't think I am in any danger. Total of business + personal with Chase is 28% of income. I was thinking of lowering the CIP since I may close it anyway next year before the next AF.

On the personal side, planning to lower my CF and CSR. They are a combined 51K. I just do not need the much credit, it sort of freaks me out that I have that much!. Will probably go to 10 on CF and 20 on CSR.

I usually reduce credit limits..especially on my business cards prior to applying for a new card....on the personalside I’ve reduced limits on cards I don’t use much...my Disney and SW to $1,000, but kept my CSR higher..think I’m about 15-20% of household income

 

[mmmears]

Saw in informed delivery I was supposed to get a targeted AA mailer today. It was not in my mailbox. this is like the fourth one that has shown but never arrived. I really wonder if my mail person is taking these. Checks also seem to go missing and never arrive. This is why I pay a bit extra for my GCM orders to be shipped with tracking...

That's really annoying. Is there a way to complain about this? If so I would. Or maybe ask your mail person how it can be that things on your informed delivery aren't showing up? If he/she is the one taking it then I'm guessing that might stop them. All I can say is that the US Mail is not what it once was.

ETA, never mind, I logged out and back in again and there they are. With two additions, Bloomingdales and Lowes.

Ok, now I'm interested. Will have to pester DH to check again and see if the Chase deals finally show up on his cards. Yesterday he still didn't have any.

oh I see. mine tilts but when I bought it, I thought the bowl lift one was superior. Maybe I am confused.

When I bought mine the tilting one was smaller, and therefore cost less, but I like it since it fits under my cabinets. I thought the lifting one was better until I tried it at a friend's house. I really prefer the tilting head.

 

[miztressuz]

Yikes, potentially first SW CP fail of the season on r/churning today - poster didn't take into account the returns "issue" with Chase and met the gross spend already. Tried pushing the statement date out but this early in the year not sure if that's enough. Hopefully they report back on how it turns out. Here's the post for details: https://www.reddit.com/r/churning/comments/9yfh64/daily_question_thread_november_19_2018/ea253tm/

 

[miztressuz]

When I bought mine the tilting one was smaller, and therefore cost less, but I like it since it fits under my cabinets. I thought the lifting one was better until I tried it at a friend's house. I really prefer the tilting head.

I'm always on the look out for people who have actually used the lift one, everyone I know has the tilt if they have one at all. I always thought the lift one looked awkward to use, but I had never used one at all before we got ours. If hubby hadn't grown up in a KitchenAid house we'd have never got it So when I was checking the models I asked him if he liked the tilt better or would the bigger bowl on the lift one be better. He said the tilt one was usually easier to use. That worked for me since it was cheaper. And to this day I think I've used it twice myself. He's used it more since that's what he's used to but guess who gets to clean it afters? My hand mixer is a quick wipe with a wet towel, I have no idea how the KA manages to get flour, fat, or dough in every stinkin' crevasse. (or maybe it's just hubby who is talented that way)

 

[mom2elal]

Sigh... Both P2 and I signing up for the 60k/$5k AF not waived offer continues to get worse. Oh well. Hopefully this card is still churnable and this sticks around. Guessing Barclays is having trouble getting signups since it relaunched.

DH signed up for that one too! Still working on the MSR.

How long do you have to wait to get this one again? I opened one 2/17 and closed it 1/18.

 

[GlamMistress]

Still no Chase offers for me.

Do you have to have an UR card to get these? I only have Disney and United.

 

[disneymagicgirl]

So I found frontier flights for a trip for $39 and a delta for $204...both on their websites.
I log into chase UR and the frontier flights don't show anymore and the delta flight is listed for $400.
They have seriously screwed up going to expedia.

 

[disneymagicgirl]

Thanks for this! Just chatted with them and they said look for the credit in 3-4 business days and, if not received, follow up. So seems promising!

I chatted too. He said he would submit for internal investigation. We shall see. I feel less hopeful than you do.

 

[disneymagicgirl]

Still no Chase offers for me.

Do you have to have an UR card to get these? I only have Disney and United.

The offers don't show up when I log in as DH. Does the device have to have chase pay on it as well?

 

[MrsAlexis]

I chatted too. He said he would submit for internal investigation. We shall see. I feel less hopeful than you do.

Hoping it comes thru for both of us!!

 

[MrsAlexis]

@Albort do you know how 30% Best Buy Samsung Pay offer works as far as payment method? I have Super Nintendo on my list to buy but was going to use gift card I purchased awhile back. The gift card would cover almost all of the purchase price so I would need a CC for the rest. Do you think that would track?