I love credit cards so much!

[hsmamato2]

got the 5-7 dat review reply on Discover IT...have I flown to close to the sun??? for this one I just wait,or is there a number I can call to check on status?

 

[hsmamato2]

can someone help me understand my Jetblue cc statement here? I PIF 2/22 on offer of get 60k/1k spend total spend incl. AF is $1115.71.....($1016.71) still no points posted to account..... am I doing something wrong? this seems oddly slow

I don't even know how to read the acct page here.... so each purchase has a little purple button on it's line with the points allotted for the purchase(?) but the overall points earned on top of page states 0....how am I supposed to be reading this? I know some of you have this card on here.... it shows the payments applied, but no points line on those....

 

[JKalai]

If you're doing a paid hotel stay (I know, I know. Who PAYS to stay at hotels, lol?) at a chain where you have status from having the card, do you ask for an upgrade? We stayed at a Holiday Inn this weekend, and I used the IHG card (platinum status is supposed to include free upgrades "if available") and for some reason I was afraid to ask. I've never been given one without asking, either. Just wondering if others have had success with asking, or if you really have to have the top status to get upgrades.

You can always ask. When availability is decent, hotels won't pre-assign room numbers so the front desk agent can put you into any room available. Where I work at here in Vegas, literally every other person asks for upgrades when they come in.

 

[kayteekt]

Calculating my next move, any pointers would be much appreciated. Started this new hobby in September. We are in 2 player mode

I'm sitting at 5/24 + an AU (SPG of my mom's)

• 1. Amex SPG (mine) - 3/16
• 2. Freedom - 9/17
• Ink - 9/17
• 3. CSP 11/17
• 4. CSR 11/17
• 5. Mariott 1/18
• AU - 4/17 -- need to get card cancelled and removed from credit report

I'm leaning towards this...wait until end of March/April and I'll be under 5/24. Apply for CIC (I do have a legit business, so hopefully 2 business cards wouldn't be an issue). DH does have a CIC, but I'm enjoying amassing UR points and this would add a nice little chunk. --> Then, I could potentially get another Chase card and still be under 5/24 (since the business card doesn't count), right? Honestly, unless I did the Unlimited, I don't know what other 5/24 card I would need. Southwest sounds great, but airport is an AA hub and we don't fly much anyway.

My concern about sticking with chase is that I've hit them hard. But...worst case is they just deny the CIC, right?

I guess I'm leaning this way, unless you all think this isn't a good move. I figure I'll wrap this last one up with chase and then move on to Amex?

Question on the Amex Plats. Anyone have experience with upgrades at the Disney S&D? Good upgrades? We often travel with my mom, so any more space would be a nice pro when considering the high AF. Oh and if you do the Amex Plat Ameriprise do you get SPG Status with that too?

 

[jhoannam]

How do you check the earned UR points for each transaction? I'm trying to verify that my utility payments are earning 3X via Plastiq on our CIP.

 

[gottalovepluto]

I asked this a while back too..... I don't see any offers on any of mu cards to add an AU,so I haven't. How do I know if I get any benefits for adding one? I just got CFU but it was pc'ed,no bonus for it initially.

I wouldn't think you'd get a bonus but might be worth a shot if adding an au is no big deal for you.

 

[miztressuz]

If you're doing a paid hotel stay (I know, I know. Who PAYS to stay at hotels, lol?) at a chain where you have status from having the card, do you ask for an upgrade? We stayed at a Holiday Inn this weekend, and I used the IHG card (platinum status is supposed to include free upgrades "if available") and for some reason I was afraid to ask. I've never been given one without asking, either. Just wondering if others have had success with asking, or if you really have to have the top status to get upgrades.

Me, hehe. I don't know that I've asked at IHG because we always book the room that we're happy with, but we've been upgraded about 1/3 of the time, both on paid and points stays. Sometimes they mention it at check-in that they were able to upgrade us (or they weren't ), other times we get to the room and we can tell it was an upgrade. But, I have no problems with asking, it's a benefit with your status and I'm sure they expect it.

Really sad to see 3x UR from CashStar on CIP die so soon after 5x MR from MPX. Those of you who came over from the Disney Gift Card Deals thread know that feeling when one of your favorite methods suddenly dies, and then more shoes drop, and then you’re left wondering what’s next, and then what’s left? I enjoyed both tricks way too much and reaped a lot of points from them. The last two weeks have been a needed reminder to enjoy the good times while they last, rules change all the time — almost always suddenly and for the worse, and what were good things might’ve also kept me from other things that may be just as lucrative. So long, and thanks for all the fish. Plenty of other fish in the sea.

Not that I didn't like your post, but I liked it mainly for that line. Also doesn't hurt to remind yourself to DON'T PANIC occasionally.

 

[JKalai]

How do you check the earned UR points for each transaction? I'm trying to verify that my utility payments are earning 3X via Plastiq on our CIP.

On the UR website, click on "review more activity" and it should show your transactions and the points earned on them.

 

[jhoannam]

On the UR website, click on "review more activity" and it should show your transactions and the points earned on them.

THANK YOU!!

 

[havaneselover]

I did not get bonus earn on cash star on 2/18 either. But my 80,000 ur points will be on my next CIP statement this week!

 

[jujubiee4]

can someone help me understand my Jetblue cc statement here? I PIF 2/22 on offer of get 60k/1k spend total spend incl. AF is $1115.71.....($1016.71) still no points posted to account..... am I doing something wrong? this seems oddly slow

I love jetblue but the card annoys me. I applied end of Dec. Received the card a week later. Met the minimum a week
after that and still haven't received the points! It is almost March. Contrast this to my Amex that i received before
the statement even ended.

I'm really surprised at Barclay as i have their Hawaiian and arrival card and bonuses posted promptly.

*By the way after speaking to a card rep you have to pay the annual fee first which isn't applied until your
SECOND statement. Then after that closes they have 4-6 weeks to post your points. Tak about
stretching it out!

 

[gottalovepluto]

Those are good thoughts @Lain. I do want the ability to PC to the CIC so maybe best to keep my CIP until I am either approved or denied. I think the CIC is a good card, even without the sign-up bonus, so yes, I want to leave an 'open door' to be able to get it. Good point.

I just perused DISchurners, and I didn't see any links for the CIC. So, no one else has it, or there are no helpful links available?

Is credit limit extended combined with personal cards for the 50% of income? I think they only gave me about 8k for the CIP so I'd have plenty of room there. If combined with personal, I'd be way over 50%.

Just no links available for it. CLs are a bit trickier. Basically: Yes, when they analyze your approval for a Chase biz card they take into account the total amount of credit they have extended to you both personal and business. If Chase determines that they have extended the maximum CL to you they will deny you the biz card, you can offer to move from other biz lines for approval (helped parents do this but they had 20K on their CIP to play with) but you cannot move or lower personal CLs for a business approval. You can drop personal limits in an attempt to get an approval before you apply, but the risk is you get denied and then all your personal limits have been dropped. When you drop a CL with Chase you cannot have it back. They are quite strict on that. You can offer to transfer CL from your CIP when you apply for the CIC but you'll have to talk to a person to do that.

 

[amalone1013]

Just sitting around, secretly hoping they will up the SPG Biz bonus once more...

Thank you to whoever used one of my SPG links Just saw the points today.

Was coming here to ask... when you buy SPG points, do you get them immediately? I was thinking to buy the last bit I'd need to book the Dolphin this Fall before the category changes... I don't need to now thanks to a friend here, but I'm curious still.

 

[FredtheDuck]

Just sitting around, secretly hoping they will up the SPG Biz bonus once more...

Thank you to whoever used one of my SPG links Just saw the points today.

Was coming here to ask... when you buy SPG points, do you get them immediately? I was thinking to buy the last bit I'd need to book the Dolphin this Fall before the category changes... I don't need to now thanks to a friend here, but I'm curious still.

The points I bought last week had posted within 2-3 minutes. I was sitting at the airport frantically trying to get something booked before boarding, so I was pleasantly surprised at how fast they showed up.

 

[kmc8826]

If you're doing a paid hotel stay (I know, I know. Who PAYS to stay at hotels, lol?) at a chain where you have status from having the card, do you ask for an upgrade? We stayed at a Holiday Inn this weekend, and I used the IHG card (platinum status is supposed to include free upgrades "if available") and for some reason I was afraid to ask. I've never been given one without asking, either. Just wondering if others have had success with asking, or if you really have to have the top status to get upgrades.

We just checked into Hyatt Recency Maui on Saturday. Rooms for trip are either the 2 free rooms off the credit card or 20k World of Hyatt point rooms (so the cheap rooms). First room they gave us was not great. I went down and talked to them. It was worth the effort. After I asked they upgraded us to a mountain partial ocean view. Huge improvement from first room looking over valet parking. Just to make clear I asked if charge and he said no "if Discoverist status (which is what I have because of credit card) they will upgrade if can." But apparently you need to ask! As I sit on the balcony writing this definitely worth it. Know always interest in Hawaii so will post more about this cheap credit card point trip when I get back.

 

[Judique]

If you're doing a paid hotel stay (I know, I know. Who PAYS to stay at hotels, lol?) at a chain where you have status from having the card, do you ask for an upgrade? We stayed at a Holiday Inn this weekend, and I used the IHG card (platinum status is supposed to include free upgrades "if available") and for some reason I was afraid to ask. I've never been given one without asking, either. Just wondering if others have had success with asking, or if you really have to have the top status to get upgrades.

I've never asked for an upgrade but mostly I get one. I'm basically talking about Ocean City, Maryland where most rooms are ocean front anyway, but I always book the side rooms expecting my upgrade to ocean front. I get it both on cash and free rooms. I've never asked. I just say 'Thank you!

 

[havaneselover]

Will post this on Disney gift card thread too. I did get two $5 swagbucks bonuses last week for buying two $50 Disney gift cards at Best Buy plus another 2% back. So you can do the deal multiple times. Once I paid with cc and $10 bb gift card. The other time I paid with $15 cash star savings code and $35 gift card. I’m happy with an extra 12% off!

 

[gottalovepluto]

My concern about sticking with chase is that I've hit them hard. But...worst case is they just deny the CIC, right?

No. The worst case scenario with Chase is you are put into a financial review after a few months of getting your card at which time all your Chase credit cards are frozen unannounced to you. Upon completion (takes a week or 2) they decide whether or not you can keep all, some or none of your Chase credit cards. Your bank accounts with Chase are not affected due to this, but they also have no bearing on the result so even having $1 million in assets with Chase does not affect your financial review of credit cards. If they decide you are abusing their system / too much of a financial risk and you are shut down completely you will have a set time period in which to redeem or move your URs.

That said, financial reviews are rare and the people most likely to be burned by them spend huge amounts of money on their credit cards generally pushing their CLs (doesn't matter that they pay it all off on time)- [ETA- I think? maybe some people got burned without running huge charges and that's when we all got nervous, those people had just opened up lots of cards]. @SouthFayetteFan recently compiled some DPs on Chase financial reviews from Reddit but I can't seem to find the info- darn DIS search function!

 

[magickingdomprincess]

Will post this on Disney gift card thread too. I did get two $5 swagbucks bonuses last week for buying two $50 Disney gift cards at Best Buy plus another 2% back. So you can do the deal multiple times. Once I paid with cc and $10 bb gift card. The other time I paid with $15 cash star savings code and $35 gift card. I’m happy with an extra 12% off!

Can I ask how long it took for your SB to appear? I spent $70 in store yesterday at BB (not on gc's), had cashier scan my QR code, but so far nothing is showing for the transaction in my SB acount. Hoping I didn't do something wrong.

 

[havaneselover]

Can I ask how long it took for your SB to appear? I spent $70 in store yesterday at BB (not on gc's), had cashier scan my QR code, but so far nothing is showing for the transaction in my SB acount. Hoping I didn't do something wrong.

Two days for it to appear pending and a day or two more to get the 500 sb. So this last one was purchased Thursday. The shop credit went pending Saturday and the bonus showed up today.