I love credit cards so much!

Discussion in 'Budget Board' started by FairestOfThemAll37, Jul 18, 2016.

  1. CyndiLouWho

    CyndiLouWho DIS Veteran

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    Yes, DH flew on miles last year & his bag was free. I was charged because I was not on his reservation & he was the card holder.
     
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  2. mfly

    mfly Mouseketeer

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    I'm booking a flight for a friend as a favor - I have plenty of UR points to cover the flight. They will be reimbursing me in cash, and have said they don't care if I pay for it in points or cash - they'll reimburse me cash regardless.

    Should I use my UR points and take the corresponding cash amount, or charge it to my CSR?

    Advice please!
     
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  4. CyndiLouWho

    CyndiLouWho DIS Veteran

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    Charge it! You get 3x points and can use your points for evil later.
     
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  5. Ngwira

    Ngwira DIS Veteran

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    Denied due to 5/24! It's all good. I am happy with what I have :).
     
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  6. calypso726

    calypso726 Escaping reality one Disney vacation at a time

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    I'd charge it to the CSR and get more 3x points. 3x more points per $ is a better redemption value than the 1.5 you'd be getting on redemption.
     
  7. gottalovepluto

    gottalovepluto DIS Veteran

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    Did you call and find that out? Were you told you'd hear by mail in 7-10 days? ... I ask as I know 2 people who got the wait 7-10 days to hear back yesterday after applying and then today when we called the automated system to check statuses one had been changed to you'll hear back in 30 days, the other still sitting at 7-10 days. (Neither of them wants to call in.)
     
  8. Ngwira

    Ngwira DIS Veteran

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    I called and spoke to 2 reps and they straight up told me I had opened 10 accounts in 2 years and there was no way to override the decision.
     
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  9. mfly

    mfly Mouseketeer

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    Thanks all for the advice. I knew there was an obvious answer - my brain was just too tired to process it.
     
  10. mhartman09

    mhartman09 DIS Veteran

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    Ok, please bear with me as I'm a total noob with all this. I recently got the CSR and am working my way towards my 100,000 UR points. Ideally I'd like to convince my husband to take a trip to DisneyWorld over our son's Easter break from school. I've looked at some flights online through the UR portal just to see about how many points it would take. Looks like we'll easily have enough to cover 3 round trip tickets with lots of points to spare. My primary question is, would it be a smart move "transfer wise" to try to book at the Swan by moving UR points through Marriott then to Starwood? I've been doing tons of reading over on reddit churning, and from what I gather, this is the only way to turn those UR points into a hotel at Disney. I could definitely be missing something though. I'm honestly afraid to ask any questions over on reddit. Don't want to get chewed out. LOL. I would really appreciate anyone's feedback on this. I really don't know what I'm doing and this is the first time I'll be dipping my toe in the water of using credit card points for anything. All my previous cards were just cash back cards.
     
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  11. havaneselover

    havaneselover Dreaming about a Disney cruise

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    I'm new at this too so will probably be corrected but my take is swan is 10,000 spg points = 30,000 Marriott points = 30,000 ur points. There are wdw hotels you can book using ur points. That may be a better deal.
     
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  12. mhartman09

    mhartman09 DIS Veteran

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    Thanks for the response. The whole 3:1 ratio was why I was not sure about the transfer in the first place. I'd hate to lose out on so many UR points if I don't have to. I suppose I need to read up way more to find out where else I can book at Disney with my UR points without having to transfer.
     
  13. Eighty8Keys

    Eighty8Keys DIS Veteran

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    I'm also really new at this, know nothing about transferring points or what the better option would be, but I do know that when I was exploring the Chase travel portal and put in some random dates, about 12-14 Disney hotels came up in all categories, including our personal favorites POP and POFQ.
     
    Last edited: Jan 12, 2017
  14. gottalovepluto

    gottalovepluto DIS Veteran

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    I'm a total noob too! I was wondering about the flights part... are you better off booking your flights through UR or transferring the points into miles with the airline you're looking at? When my brother was booking a Christmas flight on his CSP he saved a lot of money by turning the points into miles vs buying the tickets in the portal, but maybe that was because it was an exceptionally expensive time to fly?
     
  15. mhartman09

    mhartman09 DIS Veteran

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    I have another unrelated question. There is an AMEX offer right now for a $100 statement credit when spending $500 on certain cruise lines. I currently have a Carnival cruise booked and will take advantage of this offer to get this savings. My husband is an AU on my AMEX account and of course has his own card and log in. The offer is showing up on under his log in as well. Does this mean we should be able to take advantage of this offer twice if we make a payment with each card? I'm getting mixed response on some other forums about whether or not it would work since technically it's not his own AMEX card, but just an AU card on my account. I would think so, since his card is different from mine, but figured someone here may have experience with this type of thing.
     
  16. mhartman09

    mhartman09 DIS Veteran

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    I guess I need to look into that as well. It very well may be cheaper to transfer points to miles. I'm trying to work out all the transferring data points, but there are just so many. LOL. I would hate to screw myself by booking one way when there is a better option.
     
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  17. MrPTato

    MrPTato DIS Veteran

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    If he has the offer on his card, then it should work on both! My brother did something similar to this with his Amex and his wife an AU, and it worked out fine...they both got the $75 credit.
     
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  18. mhartman09

    mhartman09 DIS Veteran

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    Thanks! I guess we'll try it out and see.
     
  19. elgerber

    elgerber <font color=deeppink>Sometimes you gotta bite the

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    Yes this works, I do it all the time with multiple card holders on the same account.
     
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  20. Ngwira

    Ngwira DIS Veteran

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    Yes, you should see two credits as each card has it's own offer and card number.
     
  21. Albort

    Albort ODV Crew

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    Another thing to keep in mind is how much the hotel actually cost. so if you say Swan is 10k points, u spend 30k UR points to get those points, the hotel would have to cost more than $300 to make using points worth it. If its below $300, then its simplier to just redeem as statement credit at $.01 cents per points. By doing also also triggers your 3x and all the credit card benefits kicks in. If Starwood hotel is still the choice of hotel, you can also consider getting a starwood card. that card is also quite powerful as it has a LOT of transfer partners.

    The flight part is similar to what ive said before. It really depends on how much it cost to fly with cash vs how many points it required. If you live in a big city, flying with cash might be better because there are a ton of really cheap deals. If you have the dates and destinations, i can probably quickly see whats available and see what ur options are.
     
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