I love credit cards so much!

[palhockeymomof2]

Okay all....So I'm at 8/24 (WHY WHY WHY WHY WHY didn't I open business for more accounts?)

CSR - 10/16
Spirit - 4/17 (for stupid points I can never use as the flights are NEVER as low as they claimed...grrr)
BOA (for 0% transfer) - 9/17
RedAviator AA - 9/17
Delta Gold Amex - 10/17
Hilton Ascend Amex - 11/17
Best Buy 5/18 (damn dryer)
Citi Biz AA 10/18
Chase IHG 10/18
SPG Biz 2006?

I won't be under 5/24 until 10/19. I go to Vegas for school every November. I get a new card to around then because between that and the holidays I easily hit the spend (I pay upfront, the school reimburses me). I want the Ink. I applied for the ink before the 2 in October, I was denied. I'm Chase private banking, I asked my banker to see what he could even do, his hands are tied. So I read once when you're over 5/24 and it's going to be awhile, don't pass on opportunities you have now because you never know what Chase will have in the future. That said, it is smarter for me to apply for the business versions of cards between now and then if I want to go below 5/24, correct? The damn Chase rule confuses me time to time, or maybe it's the blonde hair, LOL. I've hit my $4k spend for the AA Citi Business, and my $3k IHG spend, so I'm looking what my next card will be. I'm holding off for now as I need to get approved for another 0% transfer card in Jan to transfer about $8k of divorce credit card debt I "won". But after that I'll be back to spending on something that earns me some perks.

Seeing my "portfolio" and knowing I'm over 5/24, what would you suggest next? My BF currently lives in NC, I'm in MI, so I've been using those AA miles to see him, I can fly Delta too, just costs more points, so I haven't. I was leaning towards the HH Ascend Biz, but I'm open to others. Oh, and I tried for the RedAviator Biz and was denied. They claimed my "short credit history". I told them it was from needing to open cards in my own name thanks to the divorce, but they didn't care, LOL. Anyone know when I could try for that again? My FICO is about 765-780 and my "average age" is 5 years 6 mos. Though I have cards going back 10+ years.

If your private banker can’t help...I know my bosses couldn’t help her either...Are there Amex business cards you could put the 8k on

 

[AmyAnne]

They are making me nuts LOL. I know I am not 5/24, because they wouldn't have given me the BIZ. I have counted 10 open cards. 3 are Chase, 3 are store cards that have been opened forever and ever, one Cap one, and then AMEX personal. Uf. I have to call personal lending, recon is done with me.

That is very weird then. I wonder if the credit limit decreases just didn't post in time.

 

[speedyfishy]

Hahaha. They are kind of neat, but the novelty would probably wear off in about 3 days for us. I didn't even have Siri turned on on my iphone for the first year I owned it, so clearly I'm not getting a lot of use out of this stuff lol.

I use mine for everything. Lights, music, TV, my roomba, timers, alarms lol

 

[Judique]

s anyone else feeling honestly overwhelmed by the amount of deals going on this holiday season? Haha, what a first world problem to have! I'm trying to make a list of a variety of things I need to purchase and which cashback portals, cards, and

THIS. I've never been a list person, but I gave in and resorted to jotting down in the notes of my phone, which Chase offers are associated with which card (between DH and I, I've lost count ...maybe 8-9 personals), the same wit

Yes, I get super overwhelmed! All of the emails for Black Friday and Cyber Monday kind of made me feel sick.

Me too! It’s so hectic I’m missing good deals. I forgot about the Office Depot $20 with $150 happy card deal and a free google mini. C

Ahhhh, now I have a great excuse for not following all the deals! I figured out I just can't keep up so I skim what's easy for me and don't worry about fomo, except in the case of the rose gold card - couldn't let that pass and now I must do all the deals.

I did finally add the Chase app to my phone and have tons of offers, except Aldi and I have 2 close to me Aldi's and drop in at least twice a month.

 

[Judique]

They are making me nuts LOL. I know I am not 5/24, because they wouldn't have given me the BIZ. I have counted 10 open cards. 3 are Chase, 3 are store cards that have been opened forever and ever, one Cap one, and then AMEX personal. Uf. I have to call personal lending, recon is done with me.

Do you have anything from the last 24 months that you might have closed and have sort of put out of your mind?

 

[DisneyMandC]

I did finally add the Chase app to my phone and have tons of offers, except Aldi and I have 2 close to me Aldi's and drop in at least twice a month.

I just placed a $100 Chewy order and still never got the Chewy Amex offer

 

[elgerber]

Do you have anything from the last 24 months that you might have closed and have sort of put out of your mind?

No, I have them all accounted for, I dropped under in August. Then they approved my SW BIZ (you have to be under 5/24 for this right)? The reason was too much available credit, not too many new accounts. Gotta call.
Makes me think, I may just be done with Chase, and certainly not going to try any for DH at this point. Not sure where I go now, if I can't get the SW CP that I have been planning over a year for LOL.

 

[hsmamato2]

SWA... Plus card($69 AF) how long to wait if you have to cancel the one you currently have to app for a new one? is it 30 days? also..... I'm trying to recall the swa bonus rules-it's once every 24 mos,right? is this across all cards, or by card type? (i.e. biz,plus,premier,that new one) so If you have the plus now and cancel,got bonus 23 mos ago,can you app for the biz or the premier now and get the bonus,or must you wait?

Ok I'm losing track of all my answers again..... if friend currently holds swa premier- then apps fpr swa biz(approved) ten next day cancels premier.... how long to wait to app for plus? is quicker better,or waiting a week better? too much too fast? (???) thanks

 

[Judique]

I just placed a $100 Chewy order and still never got the Chewy Amex offer

I'm on an auto plan right now. When they email me that it's almost ready to ship, I leave the base order of two of the 24 packs of cat food and add in whatever deal I can find. Enough to take it to $49 plus. It's the purina pro urinary tract chicken formula which is the only one the cats will eat and its not always on the shelf at PetSmart or Petco. I get the dry stuff (purina pro UT) at Target and use gift cards for that.

Originally was paying for prescription food and after trying this my vet agrees its working fine for this male cat. The female doesn't have a crystal problem but can eat it anyway and likes it. Script food was almost $50 per case!

 

[Judique]

No, I have them all accounted for, I dropped under in August. Then they approved my SW BIZ (you have to be under 5/24 for this right)? The reason was too much available credit, not too many new accounts. Gotta call.
Makes me think, I may just be done with Chase, and certainly not going to try any for DH at this point. Not sure where I go now, if I can't get the SW CP that I have been planning over a year for LOL.

Sorry it's not working out! Good luck with whatever you decide to do.

 

[liloca]

Got around to doing the AmEx offer for Boxed, spend $75 get $20. First time with Boxed and first time with Ibotta. Checked dischurners first (@SouthFayetteFan @wendow ).
So bought about $100 worth (with tax) of a boatload of toilet paper and tissue, lol.

Should be getting:
-$20 AmEx
-$15 first time Boxed
-$10 first time Ibotta
-$18 Ibotta cashback (although I have no idea how they got this amount)
-$5 Ibotta cashback bonus on $80+ Boxed

Paying effectively $32.

Wow I never used boxed as welll so I need to take a look!

 

[elgerber]

Chase will not budge. Too much credit available to me, makes me too high of a risk. Nothing will change their mind, period. Apparently they do look at other banks credit limits also, not just their own.
Kinda wishing I didn't bother with the SW Biz at this point, guess I should have gone ahead and put all my spend in the last month on there, since the posting date will not longer matter.
I am guessing lot's of you have at least as many cards open as I have and still got instant approval?

 

[palhockeymomof2]

Ahhhh, now I have a great excuse for not following all the deals! I figured out I just can't keep up so I skim what's easy for me and don't worry about fomo, except in the case of the rose gold card - couldn't let that pass and now I must do all the deals.

I did finally add the Chase app to my phone and have tons of offers, except Aldi and I have 2 close to me Aldi's and drop in at least twice a month.

Agree..I just look in the morning and add anything for a store I may use...if it gets used as part of my normal spend great...if not I’m okay with that too

 

[AmyAnne]

Chase will not budge. Too much credit available to me, makes me too high of a risk. Nothing will change their mind, period.
Kinda wishing I didn't bother with the SW Biz at this point, guess I should have gone ahead and put all my spend in the last month on there, since the posting date will not longer matter.

This makes me think maybe reduce CL and apply again in 30 days?

 

[palhockeymomof2]

Ok I'm losing track of all my answers again..... if friend currently holds swa premier- then apps fpr swa biz(approved) ten next day cancels premier.... how long to wait to app for plus? is quicker better,or waiting a week better? too much too fast? (???) thanks

If they are going for the CP in 2019...I’d say wait a week or more to apply for the plus

 

[elgerber]

This makes me think maybe reduce CL and apply again in 30 days?

I'm almost afraid to do that, if I don't get approved then, I will be stuck with super low limits on my Chase cards. There might be something I can close from other banks I guess.
Do you think just Chase lines or could I lower something else? I was going to close my Cap One at some point before AF hits and that limit I see is 30K. And if I did and was still denied, would my score take a hit?
Wonder if the in flight offer will still be working then.

Amazing how something so dumb as a credit card denial can mess up my day. But, then again, the job thing has me pretty much in permanent gloom and doom right now anyway LOL. Feel free to ignore me.

 

[MrPTato]

where did you find this? is it advertised,or just in store?

In-store and there was no signage. I needed 1 to finish Discover quarter then I realized there was no fee.

 

[palhockeymomof2]

Chase will not budge. Too much credit available to me, makes me too high of a risk. Nothing will change their mind, period. Apparently they do look at other banks credit limits also, not just their own.
Kinda wishing I didn't bother with the SW Biz at this point, guess I should have gone ahead and put all my spend in the last month on there, since the posting date will not longer matter.
I am guessing lot's of you have at least as many cards open as I have and still got instant approval?

I have a lot of Chase cards...but reduce the credit limits on most to $1,000-$2,000 after meeting the MSR..exception to this is my CRS which I reduced to $10,000. So my credit limit to income is very very low

 

[elgerber]

I have a lot of Chase cards...but reduce the credit limits on most to $1,000-$2,000 after meeting the MSR..exception to this is my CRS which I reduced to $10,000. So my credit limit to income is very very low

Can you give me an idea of the %?

 

[Albort]

Hahaha. They are kind of neat, but the novelty would probably wear off in about 3 days for us. I didn't even have Siri turned on on my iphone for the first year I owned it, so clearly I'm not getting a lot of use out of this stuff lol.

just wait for the day ur cozy up in bed and u forgot to turn something off... XD I have all my devices on smart bulb/smart plug. i got a google home and amazon echo. even got one in the bathroom. they make me lazy

Ok I'm losing track of all my answers again..... if friend currently holds swa premier- then apps fpr swa biz(approved) ten next day cancels premier.... how long to wait to app for plus? is quicker better,or waiting a week better? too much too fast? (???) thanks

this is assuming she is 2 years since she got a SW bonus.