I love credit cards so much!

[GlamMistress]

oh my goodness!!! so exciting!!! I feel like a kid on Christmas. lol

Hawaii here we come! (I hope).

 

[peel]

I don't know why I'm having such a hard time deciding what to do about the IHG card. I have a bunch of medical bills sitting here waiting for a new MSR. Before it looked like IHG was disappearing, I was planning to either dip my toes in Amex MR waters, or pick up the Alaska card. I think I'm hung up on the idea that we wouldn't be getting IHG for DH at the same time, so I'd be eating up a 5/24 slot for one annual night certificate and points that aren't worth all that much. And we don't know if we'd be grandfathered into the old terms or if we'll lose the ability to use the certificate at any level hotel. I'm really overthinking this.

Quoting myself to say I applied and was approved.

 

[wendow]

So we have almost made the spend on the CIP embarrassingly quickly. Less than a month and I only have a thousand to go. I am going to put it on hold for a bit since technically have until July to meet spend.

I have the IHG on its way with the $2000 minimum spend. I figure if nothing else on it I can venture into the Plastiq world and use the IHG (it is a Mastercard) to pay the mortgage. Is it right that since it is a Mastercard it should not be too hard to pay the mortgage with it? I just will need to pay the fee?

At any rate posting this as justification as I think I am going to apply for DH to get the CIC today. I don’t think it wil disappear super soon but I really want to get those 50k instead of the 30k.

And @peel I am sorry too! I know we have had that happen like 3 times on DH’s Ink. Such a pain!

Yes, paying your mortgage through plastiq with a MC is allowed You should have no issues there!

 

[Judique]

Quoting myself to say I applied and was approved.

Good for you! Yes, the points are not that great, but you get the free night for $49 and the initial points for $1000 spend, which is at the least one more free night. I've had mine for 4 years and I always use my night for $49 annual fee and I pick up points here and there but the card isn't used for regular spend. I do always use it to book IHG.

I'm looking forward to the new products because if possible, I may add a card if the offer is good enough.

 

[wendow]

I don't know why I'm having such a hard time deciding what to do about the IHG card. I have a bunch of medical bills sitting here waiting for a new MSR. Before it looked like IHG was disappearing, I was planning to either dip my toes in Amex MR waters, or pick up the Alaska card. I think I'm hung up on the idea that we wouldn't be getting IHG for DH at the same time, so I'd be eating up a 5/24 slot for one annual night certificate and points that aren't worth all that much. And we don't know if we'd be grandfathered into the old terms or if we'll lose the ability to use the certificate at any level hotel. I'm really overthinking this.

I see you already got it! Congrats I was just going to say that the things you are hung up on are the same things I am hung up on. And I don't know what to do! I just got the spg biz so if I go for the ihg, I have to use bank funding to meet spend.

 

[peel]

Good for you! Yes, the points are not that great, but you get the free night for $49 and the initial points for $1000 spend, which is at the least one more free night. I've had mine for 4 years and I always use my night for $49 annual fee and I pick up points here and there but the card isn't used for regular spend. I do always use it to book IHG.

I'm looking forward to the new products because if possible, I may add a card if the offer is good enough.

I just hope they don’t nerf the unrestricted free night. I suppose I can always just cancel the card in that case.

I see you already got it! Congrats I was just going to say that the things you are hung up on are the same things I am hung up on. And I don't know what to do! I just got the spg biz so if I go for the ihg, I have to use bank funding to meet spend.

I unfortunately have enough medical bills to cover the $1K. I’ll have to call about the 80K, and move some credit around since they only gave me a $2K limit. Hopefully, I’ll be able to hold onto the $50 statement credit too.

 

[wendow]

I just hope they don’t nerf the unrestricted free night. I suppose I can always just cancel the card in that case.


I unfortunately have enough medical bills to cover the $1K. I’ll have to call about the 80K, and move some credit around since they only gave me a $2K limit. Hopefully, I’ll be able to hold onto the $50 statement credit too.

I'm concerned how the unrestricted free night may change also

If I didn't *just* receive the spg biz that needs 7k spend, I could easily meet the 2k, especially with paying my mortgage. I need to use my mortgage though for the other card. So bank funding it would need to be if I go for the ihg.

 

[peel]

I'm concerned how the unrestricted free night may change also

If I didn't *just* receive the spg biz that needs 7k spend, I could easily meet the 2k, especially with paying my mortgage. I need to use my mortgage though for the other card. So bank funding it would need to be if I go for the ihg.

I totally understand. $7K is an awful lot to meet in 3 months.

 

[peel]

Should I call right away about the 80K match or wait until I put some spending the card?

 

[wendow]

I totally understand. $7K is an awful lot to meet in 3 months.

And especially since Amex cuts the time short with going by the date of approval...If I can use my mortgage for 2 mos, that is $4200, so then the remaining $2800 doesn't feel so daunting.

 

[CyndiLouWho]

And especially since Amex cuts the time short with going by the date of approval...If I can use my mortgage for 2 mos, that is $4200, so then the remaining $2800 doesn't feel so daunting.

Plus Amex isn’t accepted everywhere. I’m working on the 5k spend, don’t think I could do 7k. Just this past week a couple charges I could have used for MSR were places w/o Amex

 

[kmc8826]

Should I call right away about the 80K match or wait until I put some spending the card?

Secure message them. That way you have it in writing. They said they would give the 80k to me and I don’t even have the card yet.

 

[peel]

Secure message them. That way you have it in writing. They said they would give the 80k to me and I don’t even have the card yet.

Awesome, thanks. For some reason I thought they weren’t doing that over SM anymore.

 

[Albort]

Walmart GC to buy Sams Club Disney Gift cards works right?

 

[calypso726]

Walmart GC to buy Sams Club Disney Gift cards works right?

Yes it does!

 

[mfly]

Walmart GC to buy Sams Club Disney Gift cards works right?

Yes - both online and in-store!

 

[disneymagicgirl]

And especially since Amex cuts the time short with going by the date of approval...If I can use my mortgage for 2 mos, that is $4200, so then the remaining $2800 doesn't feel so daunting.

How are you doing this? Not worried about the rats team? Just going to trick plastiq like with CIP?

 

[Albort]

How are you doing this? Not worried about the rats team? Just going to trick plastiq like with CIP?

it depends on how it codes out. Both @Lain and I who has coding of what would work with Amex. We are both unsure how it codes out for Mortgage. but Amex would have no idea that you are actually paying. or at least thats what we think.

i met 7.5k of my Amex SPG Biz with Plastiq, the remaining 2.5k were organic. (10k offer back in Nov 2017)

 

[disneymagicgirl]

it depends on how it codes out. Both @Lain and I who has coding of what would work with Amex. We are both unsure how it codes out for Mortgage. but Amex would have no idea that you are actually paying. or at least thats what we think.

i met 7.5k of my Amex SPG Biz with Plastiq, the remaining 2.5k were organic. (10k offer back in Nov 2017)

So do you not select the mortgage/rent for category?

 

[DaveL]

I've had that happen to me a couple of times. It's a nice surprise! I've also had it go the other way, saying the rate I chose was no longer available. Thankfully in those cases, so far I've only seen an increase in 5 or 10 points, not a major jump.

Yeah that was a one time event for me. Not sure why but seemed every time I checked they went down even more. Now my next two trips (June and Oct) I can't catch a break on. The Oct trip I booked mins after the flights were released and the flight out is now sold out and the flight back went up 20k points. Guess I am not going to see much decline there unless they are holding out on a bunch of seats.