I love credit cards so much!

[gottalovepluto]

Anyone in our Reddit group with Southwest cards I highly encourage you to see my post from today in our DIS churners discussion thread.

 

[wisconsinmom]

Anyone in our Reddit group with Southwest cards I highly encourage you to see my post from today in our DIS churners discussion thread.

I'd love to join the group! Where do I need to look?

I need some advice. I'd like to get the Chase Freedom card for the 5% bonuses.

Here are the cards I currently have

Chase Disney Visa - don't use it but it is old and has no fee so it sits
Chase Sapphire Reserve- Opened 1/1/17
Chase Sapphire Preferred- Opened April 2017
Chase Southwest Premium had since 2013, just paid the yearly fee this week
I'm also an AU on my husband's Chase Sapphire Preferred that was opened 4/16

So I'm currently 3/5 with Chase if you include the AU.

Should I just open a Chase Freedom and try to get the $150 sign up bonus or would it be better to ask if the CSP opened 4/17 could be downgraded to a Freedom card?

I do not plan to keep the CSP past March of this year. I will keep my CSR card though, even with the $450 fee it is worth it!

 

[SouthFayetteFan]

I'd love to join the group! Where do I need to look?

I need some advice. I'd like to get the Chase Freedom card for the 5% bonuses.

Here are the cards I currently have

Chase Disney Visa - don't use it but it is old and has no fee so it sits
Chase Sapphire Reserve- Opened 1/1/17
Chase Sapphire Preferred- Opened April 2017
Chase Southwest Premium had since 2013, just paid the yearly fee this week
I'm also an AU on my husband's Chase Sapphire Preferred that was opened 4/16

So I'm currently 3/5 with Chase if you include the AU.

Should I just open a Chase Freedom and try to get the $150 sign up bonus or would it be better to ask if the CSP opened 4/17 could be downgraded to a Freedom card?

I do not plan to keep the CSP past March of this year. I will keep my CSR card though, even with the $450 fee it is worth it!

I'll post an update on how to join DISchurners shortly.

Also you'd want to list your status as "3/24" not 3/5 - you have gotten 3 Chase cards in 24 months. One other thing to mention - you haven't opened ANY other cards with other issuers in the last 24 months have you (i.e. American Express, Citi, BankofAmerica, etc.?). If so, those would could too just an FYI.

Now to your question...For you personally this is really a question of "how hard are you going to play the game." Are you going to start opening lots of Chase Cards for signup bonuses? If so - the Freedom may not be a good use of a slot...for example opening the Southwest Plus card, a Chase Ink Plus Biz Card, and a Marriott card would likely be much more lucrative in terms of signup bonus value. HOWEVER, if you aren't planning to hit 3-4 Chase cards in the next year or so (or if you don't care about your 5/24 status because you're going to hit AMEX cards or something else) then don't pass up the $150 now. My wife and I both used a 5/24 slot on a Chase Freedom card and have no regrets doing so as it fit our plan and was a nice little return on our min. spend. For others it simply may not make sense or fit their strategy.

 

[SouthFayetteFan]

DISchurners Reddit Group Update - Now up to 66 Members

For newer folks - if you've heard us mention DISchurners, that is our private Reddit group only for folks on the DIS who like to play the credit card game. IF you'd like to join send a PM here on the DIS including your Reddit User Name to @SouthFayetteFan and @Albort and we'll approve you. Once approved, click this link to access the site: https://www.reddit.com/r/DISchurners/

1) You can see a list of all members (and their DISboards and Reddit names as some are different) here: https://www.reddit.com/r/DISchurners/comments/777y1j/roll_call_the_whos_who_of_dischurners/

2) If you are applying for a new card (especially Chase cards and some AMEX cards) consider using a link to support a fellow DISchurner. EVERYBODY is welcome to post their links as well so please share yours on the appropriate threads. This has been a great way for us to repay each other for all the helpful comments and information shared here! Just look for the OFFICIAL CHASE, OFFICIAL AMEX, and OFFICIAL MISC threads for links.

3) @Albort has put together a nice wiki with great info and there a bunch of other posts that have good content as well so look around a bit if you haven't done so yet!

Also keep in mind that only people in the group can see your messages on DISchurners so that activity is not displayed to other Reddit users. This is a great way for us to keep things positive, share helpful (and somewhat secretive) information, and support new people in the hobby that also have a love for Disney.

Hopefully 2018 is a great year for all involved in our group here and there and you get all the approvals and points you need!!

 

[WDWRook]

Couple odd questions:

1. If you have the CIP, can you get the CIC? tWife has the CIP but would be better with the CIC, but isn't at one year yet to PC it.
2. tWife has a CSR and thus isn't eliglble for the CSP bonus (or is she eligible once she PCs the CSR?). Would it make sense to add her as an AU to my CSP for the small bonus?
3. With the CSR you get $100 credit for select check or for the global pass. Is that annual? I got Select check last year, can I use it now for the global pass or to get global pass for the kids?
4. I'm at 3/24 right now and I want the Freedom card, but Chase wont PC my CSP, so I'm applying for it. Bad idea to use one of my coveted 5/24 slots on the Freedom?
5. What are the requirements for tWife to transfer any of her UR points to me? Does she need to have a Sapphire card or just any Chase card?

 

[Albort]

Thanks so much for your responses! To explain a little more, I'm at 4/24 now (assuming the SW biz card doesn't count towards the 5/24 - correct?). I'm hoping to make the last Chase card count as I won't be under 5/24 again until Nov. 2018. The Plus card actually already renewed in Dec. and I paid the annual fee, I just don't really have a reason to keep it and would like the annual fee back, plus I'd I'd like to be able to apply for it again in 2 years or so. As for the checking acct, I don't really use it for anything, I solely signed up for it for a bonus, and it's just kind of a pain to transfer money every paycheck. Also I'd like to be eligible for another signup bonus sometime if it's offered, and I believe you have to have not had an acct for 6 months. I'll keep both open until I apply for the Premier and then look at closing them. I'll definitely checkout the disboards churners page on Reddit when I'm ready to apply, I think I saw a link a few pages back. Thanks again!

you are correct, a biz card shouldnt count towards 5/24. if your at 4/24, if you have the power to spend the MSR, you should apply for 2 cards instead of one. This will push you up to 6/24 and you basically done with chase. There are instructions on how to do this when your ready.

considering the JB 60k offer.... thought maybe use it when I run short on SWA points (I have the CP thru the next year still) what do you think?I'm low on those points, so is it worth an app at the moment? Or should I hold a 'space' for another Barclay general travel card,since I have the SWA thing down pat right now? I'm leaning towards general travel credits right now since a cruise is a possibility- I want those 60k points, just not sure if I need them! edited to add..... I see that I waited too long and it was supposed to go thru 12/31- but when I googled the offer it pulled right up for the 60k....what do you think? old link and it won't work?

earning JB points should pretty simple. in the 2-3 months, ive earned 1k by simply buying things through amazon... :]

After someone mentioned upthread using Apple Pay to send $ to a spouse/family member/friend to get the 5X points without actually spending, I looked into the terms of Apple Pay Cash. It works as both a virtual prepaid card (for using Apple Pay at merchants) or as a funds transfer service to send P2P payments to another user's Apple Pay Cash account. You can fund a P2P payment with a credit card, but there is a 3% fee for doing so. So, you'd only net 2% back if you use the Freedom card to send a P2P payment. Not worth it. There's no fee for funding a P2P payment with a prepaid card, so you could potentially use Apple Pay to buy prepaid cards (if the store allows it) with the Freedom for 5X points then liquidate them through Apple Pay Cash. You'd just be out the fee to purchase the prepaid card. Still, not sure it's worth the hassle. But it's possibly an option if anyone wants to try it. (I don't.)


It's the "Wallet" app on your iPhone. Add your card to that & then you can use it for Apple Pay.

I believe this should be the last resort if you cant max out the category, then maybe this may be a good idea to do to maximize your UR earnings.

I'd love to join the group! Where do I need to look?

I need some advice. I'd like to get the Chase Freedom card for the 5% bonuses.

Here are the cards I currently have

Chase Disney Visa - don't use it but it is old and has no fee so it sits
Chase Sapphire Reserve- Opened 1/1/17
Chase Sapphire Preferred- Opened April 2017
Chase Southwest Premium had since 2013, just paid the yearly fee this week
I'm also an AU on my husband's Chase Sapphire Preferred that was opened 4/16

So I'm currently 3/5 with Chase if you include the AU.

Should I just open a Chase Freedom and try to get the $150 sign up bonus or would it be better to ask if the CSP opened 4/17 could be downgraded to a Freedom card?

I do not plan to keep the CSP past March of this year. I will keep my CSR card though, even with the $450 fee it is worth it!

ideally, u would want to PC yoru CSP to a freedom card. $150 or 15,000 UR points isnt really worth a Hard Pull imo. You could technique PC to a Freedom now since you have overlapping categories(CSR). If your looking to join our group, feel free to message me or @SouthFayetteFan and we can get you set up.

 

[wisconsinmom]

I'll post an update on how to join DISchurners shortly.

Also you'd want to list your status as "3/24" not 3/5 - you have gotten 3 Chase cards in 24 months. One other thing to mention - you haven't opened ANY other cards with other issuers in the last 24 months have you (i.e. American Express, Citi, BankofAmerica, etc.?). If so, those would could too just an FYI.

Now to your question...For you personally this is really a question of "how hard are you going to play the game." Are you going to start opening lots of Chase Cards for signup bonuses? If so - the Freedom may not be a good use of a slot...for example opening the Southwest Plus card, a Chase Ink Plus Biz Card, and a Marriott card would likely be much more lucrative in terms of signup bonus value. HOWEVER, if you aren't planning to hit 3-4 Chase cards in the next year or so (or if you don't care about your 5/24 status because you're going to hit AMEX cards or something else) then don't pass up the $150 now. My wife and I both used a 5/24 slot on a Chase Freedom card and have no regrets doing so as it fit our plan and was a nice little return on our min. spend. For others it simply may not make sense or fit their strategy.

Thank you! I think I'll go ahead and just apply for the card. I'm OK with being 4/24 for now. I think next year (2019) I'd like to try to earn the SW companion pass again but I should have 2 spots open to do that after April of this year.

 

[Albort]

Couple odd questions:

1. If you have the CIP, can you get the CIC? tWife has the CIP but would be better with the CIC, but isn't at one year yet to PC it.
2. tWife has a CSR and thus isn't eliglble for the CSP bonus (or is she eligible once she PCs the CSR?). Would it make sense to add her as an AU to my CSP for the small bonus?
3. With the CSR you get $100 credit for select check or for the global pass. Is that annual? I got Select check last year, can I use it now for the global pass or to get global pass for the kids?
4. I'm at 3/24 right now and I want the Freedom card, but Chase wont PC my CSP, so I'm applying for it. Bad idea to use one of my coveted 5/24 slots on the Freedom?
5. What are the requirements for tWife to transfer any of her UR points to me? Does she need to have a Sapphire card or just any Chase card?

1) i have seen some people able to hold the CIC and the CIP. Its possible. If you dont find the CIP useful, you can also downgrade it to a CIC in 1 year.
2) you have to wait 24 month after receiving your bonus. So she could apply for a CSP and get it but you wont get a bonus. You shouldnt add anyone as an AU as that might affect their 5/24 status. Add a pets name, a nickname. anything. a gold fish name even works. :]
3) If you already got GE credit, then its a 4 year reset clock.
4) You can get Chase to downgrade your CSP to a CS, then CS to a Freedom. This is the only way around the 1 year policy currently. I would hold onto your slots if you have more chase cards you want. If no other chase cards are desirable, apply away!
5) i have no idea... single player here... someone else would need to answer you this question. I just know you can transfer if you guys are under the same household. It should be any card can transfer to any other card... the premium cards are only to transfer to chase's partners ie United, Hyatt etc.

 

[Lain]

I'd love to join the group! Where do I need to look?

I need some advice. I'd like to get the Chase Freedom card for the 5% bonuses.

Here are the cards I currently have

Chase Disney Visa - don't use it but it is old and has no fee so it sits
Chase Sapphire Reserve- Opened 1/1/17
Chase Sapphire Preferred- Opened April 2017
Chase Southwest Premium had since 2013, just paid the yearly fee this week
I'm also an AU on my husband's Chase Sapphire Preferred that was opened 4/16

So I'm currently 3/5 with Chase if you include the AU.

Should I just open a Chase Freedom and try to get the $150 sign up bonus or would it be better to ask if the CSP opened 4/17 could be downgraded to a Freedom card?

I do not plan to keep the CSP past March of this year. I will keep my CSR card though, even with the $450 fee it is worth it!

Thank you! I think I'll go ahead and just apply for the card. I'm OK with being 4/24 for now. I think next year (2019) I'd like to try to earn the SW companion pass again but I should have 2 spots open to do that after April of this year.

You can't PC your April 2017 CSP to a Freedom until you hit one year. Freedom is particularly useful this quarter because the 5% category includes mobile payments, which makes the $1,500 quarterly spend easy to maximize. April 2018 would put you in Q2, and no one knows what the bonus category will be. You could PC your husband April 2016 CSP if you don't plan to keep either CSP, and sock drawer your April 2017 CSP until April 2018, unless a good Chase Pay promo comes up.

 

[SouthFayetteFan]

Thank you! I think I'll go ahead and just apply for the card. I'm OK with being 4/24 for now. I think next year (2019) I'd like to try to earn the SW companion pass again but I should have 2 spots open to do that after April of this year.

Yeah - just know that you're potentially giving up the opportunity earn a larger bonus on another card. If you're ok with that now then go for it! You know your future plans and when you'll have a slot open up so it sounds like you've thought that through.

Also, maybe consider using a referral thru our DISchurners group when signing up for any new cards. Always great to support a fellow DISer.

 

[Alexle2007]

Couple odd questions:
5. What are the requirements for tWife to transfer any of her UR points to me? Does she need to have a Sapphire card or just any Chase card?

You just need to be in the same household. I transfer DH's Freedom and CIP to my CSR every month when they are earned. It's simple, you combine the points and indicate the credit card number that you would like them moved to. For some reason, my CIP will not transfer directly to my CSR (I receive an error.) I either move them to one of DH's cards and then combine from there or SM Chase and ask them to move them for me.

 

[rcoy64]

Thank you guys for all of the information that keeps coming through, especially for us newbies! Since I'm new here, and not yet up to my 10 post status to PM, my Reddit account is the same name as my account here. If @SouthFayetteFan or @Albort could approve me there, that would be great!

Thanks for the consideration!

 

[SouthFayetteFan]

Couple odd questions:

1. If you have the CIP, can you get the CIC? tWife has the CIP but would be better with the CIC, but isn't at one year yet to PC it.
2. tWife has a CSR and thus isn't eliglble for the CSP bonus (or is she eligible once she PCs the CSR?). Would it make sense to add her as an AU to my CSP for the small bonus?
3. With the CSR you get $100 credit for select check or for the global pass. Is that annual? I got Select check last year, can I use it now for the global pass or to get global pass for the kids?
4. I'm at 3/24 right now and I want the Freedom card, but Chase wont PC my CSP, so I'm applying for it. Bad idea to use one of my coveted 5/24 slots on the Freedom?
5. What are the requirements for tWife to transfer any of her UR points to me? Does she need to have a Sapphire card or just any Chase card?

#2: Just add yourself as MiddleName LastName - don't get an AU card on her report.
#4: Only you can decide this for yourself. I have used slots on Freedom in the past. The question is - are you passing up a more lucrative card for the Freedom? If there are other cards more beneficial to you - Southwest, United, Marriott, etc...then you should NOT apply for Freedom. If those cards provide little benefit then go for it! Also my obligatory - consider using a referral on DISchurners reminder, hahaha!

 

[peel]

Smack my head moment. Someone here (? lain) mentioned signing up for Virgin Americas mileage program because Alaska Air was giving away miles as they converted to one program. Signed up for both DH and myself Got an email today giving us each 10k miles, which is enough for a trip from say Seattle to Vancouver, which might be handy as I haven't found direct flight from OHare to Vancouver. Bad news, I forgot to sign DS up for an account, so I guess he's walking

That was me! I'm so glad it worked out for you. I had DM sign up around the same time and she hasn't mentioned getting an email. Now I'm worried that she forgot all about signing up for the programs, got an email, and swore at it while marking it as spam and deleting it.

 

[SouthFayetteFan]

Thank you guys for all of the information that keeps coming through, especially for us newbies! Since I'm new here, and not yet up to my 10 post status to PM, my Reddit account is the same name as my account here. If @SouthFayetteFan or @Albort could approve me there, that would be great!

Thanks for the consideration!

You have been added - welcome!

 

[afan]

Is the Barclay Arrival the only true chip and pin you can use properly in Europe? We'll use the train to\from dlp and the metro and I want to make things easier.

 

[rcoy64]

Thank you guys for all of the information that keeps coming through, especially for us newbies! Since I'm new here, and not yet up to my 10 post status to PM, my Reddit account is the same name as my account here. If @SouthFayetteFan or @Albort could approve me there, that would be great!

Thanks for the consideration!

Woohoo thank you!!

 

[rcoy64]

You have been added - welcome!

Woohoo!! Thank you!

Now, time to learn!

 

[Albort]

Is the Barclay Arrival the only true chip and pin you can use properly in Europe? We'll use the train to\from dlp and the metro and I want to make things easier.

any Barclay Card are true chip and pin.
would also suggest a debit card on those so you dont need to get a hard pull.

 

[SouthFayetteFan]

Woohoo!! Thank you!

Now, time to learn!

Good luck! A good first step would be to read the wiki on r/DISchurners as well as some of the information on r/churning.

If you have a clean credit report right now (meaning you only have been approved for 1 or 2 cards in the last 24 months) you have sooooo many options at your disposal. This a great place to be at, but you want to be careful not to make any mis-steps that cost you the opportunity to get a larger bonus later. Start to formulate a plan and then run things past the great folks here and we'll give you some feedback. Also - sometimes the feedback may be contradictory - we all can see things differently here, it's obviously up to you to make the best decision for you, your family, and your travel goals!