I love credit cards so much!

[Lain]

May I ask how you do this @Lain?

You'd basically need to cancel your subscription through Netflix (which may remain active until the end of the billing period), then (when your subscription is expired) re-sign up for a Netflix subscription through an Apple TV, iPhone, iPad or iPod touch (you shouldn't lose any preferences as long as you re-sign up with the same email). This is essentially an in-app purchase or subscription that gets billed to any iTunes credit loaded into your iTunes account and then the credit card on file in your iTunes account.

https://help.netflix.com/en/node/25099

P.S. I believe you can do this with Hulu too, but I don't subscribe to Hulu so have no personal experience.

 

[amalone1013]

Of course, I have no MSR to work on and a couple annual expenses (<$100) to pay by yesterday, so I got to throw them on SPG personal so I can look like I use it before my AF posts this month or next... and they don't take AMEX Needed to do it last night so went on Barclay Arrival.

 

[hsmamato2]

Juts got my Hilton biz in mail.... I also got some interesting Hilton offers on multiple amex cards...snagged 5 of them..I'd love some advice on how I can max this out. So Hilton Biz gives 12x points for hilton hotel purchases,does this include gift card purchase? That would be a good way to get towards my MSR a bit- also, if I buy Hilton gc, what can I use them for? just for a hotel stay,or other interesting ways to max them out?Can they be used to get more points somehow, or just a stay? I was thinking it might be a good purchase- on 4 cards (3 hilton brand) I offers ofbuy $100/get $20 back,(gc) and on my biz card I have $500/$75 but only Australia, which I don't think I'll use.....

 

[Albort]

My CSP AF will hit my account on 7/1. When can I PC to Freedom? Do I have to wait until 7/1 or can I do it now?

Yes, wait until it hits and then call or send a SM.

You should be able to PC before the AF hits. i did that. You can SM Chase and ask when you can product change it.
Product change requires you to call now, no more PC with SM

I don't think I had this one (also don't have cable/satellite so no big deal lol!).

that one is a rare one targeted offer
If you have ATT or Verizon phone bill, that triggers too!

 

[hsmamato2]

I can't remember the last time I've checked out of a room. I just load my stuff and leave.

Really??? I had no idea you could do this.... all the time I"ve wasted checking out at a desk.... the only time it's worth it is at Dolphin to get my green points applies to my stay

 

[hsmamato2]

So as is my usual SW opening day experience, flights to SoCal are ridiculous for December. I am not even looking at a holiday, just wanted to do Dec in DL as some here suggested. I'm not discouraged though, will keep watching and in true SW fashion, they will drop. SW is basically Kohl's, a pricing model that makes me crazy.

where are you coming from? I got some earl-mid december from BDL-LAX for about 14k+ each way which isn't bad....

 

[DisneyMandC]

Juts got my Hilton biz in mail.... I also got some interesting Hilton offers on multiple amex cards...snagged 5 of them..I'd love some advice on how I can max this out. So Hilton Biz gives 12x points for hilton hotel purchases,does this include gift card purchase? That would be a good way to get towards my MSR a bit- also, if I buy Hilton gc, what can I use them for? just for a hotel stay,or other interesting ways to max them out?Can they be used to get more points somehow, or just a stay? I was thinking it might be a good purchase- on 4 cards (3 hilton brand) I offers ofbuy $100/get $20 back,(gc) and on my biz card I have $500/$75 but only Australia, which I don't think I'll use.....

When did you get approved for your card? I got approved last Thursday and am anxiously waiting for it, even though I still have spend left on CIP and CIC lol.

 

[miztressuz]

Getting annoyed with plastiq! I'm trying to pay the lawn service who fertilizes our yard. I paid him last month with plastiq using my CIP. I had him categorized under 'business services". Tried to use my Amex spg biz to pay for this month. Amex won't support that payment. Switched him to "utilities" and Amex won't support that either. Has something changed with Amex and their supported categories? Utilities were going through fine two weeks ago. Not sure what else to put him under.

ETA: "clubs" category isn't working either which is also supposedly supported by Amex.

Rethought about this one, for some reason I thought business/contractors was supported on Amex, so maybe because you already had him listed as business it's onto you with the category change? Maybe a delete and resetup... do they have a definition of Memberships? if it's a reoccurring service possibly construe it as a membership plan? but otherwise, yeah utilities would be closest.

 

[crazymomof4]

For those that asked me to post an update on my cat with the lumpy chin....
Saw the vet this morning. She says most likely another fatty cyst. "My inclination is that its nothing. They absolutely occur in clusters and the chin is a common area for cats". She understands my anxiety bc I've told her about Max's cancer. She tried to get a sample with needle aspiration but the lump is too small still and she said it was causing him pain. She gave me 7 days of antibiotics in case its an infected hair follicle. Watch the area she said. If it starts to fill up and get bigger, then bring him in if i want the needle biopsy done. It will be easier to get a good sample (more accurate) if the lump is larger.

 

[wendow]

Rethought about this one, for some reason I thought business/contractors was supported on Amex, so maybe because you already had him listed as business it's onto you with the category change? Maybe a delete and resetup... do they have a definition of Memberships? if it's a reoccurring service possibly construe it as a membership plan? but otherwise, yeah utilities would be closest.

It is re-occurring so that is why I tried 'clubs'...I'm a part of his lawn club lol...didn't think to try memberships but that could work too I'm going to try deleting the card and him and set both back up and go from there.

 

[Psychodisney]

Good Morning!! I've been lurking and reading your amazing posts for a few days and I think I'm ready to take the credit card plunge! We travel to WDW at least once a year, and we do a few weekend trips throughout the year. We already have a SW card and use the points for flying. I'm curious about the Citi Prestige card with the 4th night free at a hotel, as well as the Chase Sapphire cards. How difficult is it to redeem the rewards? For example, we are staying 3 nights in July at BC...could I open the Citi Prestige card and add on the 4th night? Any advice, tips, suggestions would be greatly appreciated! Thank you in advance!!

I'll chime in so your post doesn't get overlooked! I don't have any experience with the Citi Prestige.
When did you get your current SW card? If it was during 2018 and you're eligible for a business car, you might consider the SW Biz to get the CP. If your SW was open more than 2 years ago, cancel and reapply, or refer your potential player 2.
We are all big fans of the CSR or CSP here. Technically you can only hold one of them right now, unless you do a double dip. Someone else should chime in on the particulars there as I'm not sure how to do that! If you only want one of them, I'd recommend the CSR. Don't be afraid of the $450 annual fee! The free TSA or GE as well as the $300 travel credit make the AF worth it, especially for the first year. The points are very easy to use through the Chase travel portal or to transfer to their travel partners.

 

[peel]

For those that asked me to post an update on my cat with the lumpy chin....
Saw the vet this morning. She says most likely another fatty cyst. "My inclination is that its nothing. They absolutely occur in clusters and the chin is a common area for cats". She understands my anxiety bc I've told her about Max's cancer. She tried to get a sample with needle aspiration but the lump is too small still and she said it was causing him pain. She gave me 7 days of antibiotics in case its an infected hair follicle. Watch the area she said. If it starts to fill up and get bigger, then bring him in if i want the needle biopsy done. It will be easier to get a good sample (more accurate) if the lump is larger.

Very encouraging news!

 

[hsmamato2]

I booked SW for our December DL trip this morning. I'm happy with the outgoing flight time, but I was really surprised to see only one flight from SNA to BDL on the day of our return. I've never seen less than two, and there are usually three options. This makes me nervous, because we fly through Denver. In December. If there's a weather issue, we're sort of outta luck. I'm glad I jumped on it first thing this morning though, because with only one flight I imagine it will fill up. The fare was $229 /14,948 each way, which isn't terrible, especially with the CP for DH's ticket. I'll keep checking for price drops, but that seems pretty fair. A pretty fair fare.

I ended up choosing BWI over Denver b/c I'm worried about snow too... but I know it's a crapshoot either place really....(LAX) the Denver Flight was a better time of day, but I thought BWI was a better shot...only time will tell

 

[wendow]

You should be able to PC before the AF hits. i did that. You can SM Chase and ask when you can product change it.
Product change requires you to call now, no more PC with SM



that one is a rare one targeted offer
If you have ATT or Verizon phone bill, that triggers too!

I really had no idea that you could PC before the AF hits! And I forget about the forced calling now...I got my cards PC'ed right before the change went into effect.

I do have a Verizon bill. Maybe that offer will show up later. I want!!

 

[brownhaired_girl]

We PCd both DH’s CSR and my CIP this week before AF hit. I had sent SM on both but got reply that call was required.

 

[miztressuz]

Juts got my Hilton biz in mail.... I also got some interesting Hilton offers on multiple amex cards...snagged 5 of them..I'd love some advice on how I can max this out. So Hilton Biz gives 12x points for hilton hotel purchases,does this include gift card purchase? That would be a good way to get towards my MSR a bit- also, if I buy Hilton gc, what can I use them for? just for a hotel stay,or other interesting ways to max them out?Can they be used to get more points somehow, or just a stay? I was thinking it might be a good purchase- on 4 cards (3 hilton brand) I offers ofbuy $100/get $20 back,(gc) and on my biz card I have $500/$75 but only Australia, which I don't think I'll use.....

If you bought the gift card from a hotel it should work. If you do it from the Hilton gift card website most likely not. That said we used gift cards bought from the website on our last two Hilton stays and both times the front desks weren't really sure about using them, said they don't see them a lot. Now we weren't in high demand areas either, I'm sure resorts see them more, but I'm not sure they would have even known if they had gift cards to sell But I don't know if there are data points about how website gift card purchases code on the Hilton cards.
Hilton gift cards can basically be used on anything at a Hilton property, so anything charged to the room (including the room rate) or used at onsite restaurants or other services. I forget the whole example list but it seemed pretty comprehensive, if it was a service provided by Hilton (like the restaurant/bar) or you could charge it to your room, you could use a GC.

Really??? I had no idea you could do this.... all the time I"ve wasted checking out at a desk.... the only time it's worth it is at Dolphin to get my green points applies to my stay

If the hotel has an Express Checkout option (which most do now) you can just leave the keys in the room and go, they'll charge your bill to the card on file. Personally I haven't done it as an leftover from when hotel's were sticklers about checkout time and would charge you for checking out late. And now with some doing the email of the final bill I like to make sure there's no surprises with the front desk before leaving the premises

 

[hsmamato2]

I personally have not found the other banks to be "business" friendly.

Regarding Visa Gift Cards with AMEX...if you can buy them at a grocery store that doesn't pass along Level 3 data you would be fine. My local grocer Giant Eagle doesn't do L3 so I buy lots of VGCs there with AMEX, I still add things to the order (or sometimes will pay with $1 and some random change) to keep from having suspicious charges of $204.95 from showing up.

how would you know if they send that detail to AMEX? I may be doing a bit of this soon,and want to do it right. I have a choice of stop and shop or price chopper around here

 

[hsmamato2]

If you bought the gift card from a hotel it should work. If you do it from the Hilton gift card website most likely not. That said we used gift cards bought from the website on our last two Hilton stays and both times the front desks weren't really sure about using them, said they don't see them a lot. Now we weren't in high demand areas either, I'm sure resorts see them more, but I'm not sure they would have even known if they had gift cards to sell But I don't know if there are data points about how website gift card purchases code on the Hilton cards.

Do you mean go into a local Hilton,and ask to buy a gc at the front desk,would trigger the 12x points?

 

[Albort]

how would you know if they send that detail to AMEX? I may be doing a bit of this soon,and want to do it right. I have a choice of stop and shop or price chopper around here

https://www.disboards.com/threads/i-love-credit-cards-so-much.3528202/page-1185#post-59106025

 

[hsmamato2]

Chase Shutdown Discussion:

So there is a discussion HERE on r/churning regarding the concept of preemptively reducing credit limits to avoid the eyes of the Chase Shutdown squad.

I'm not specifically saying anybody should or should not do this - it's a personal decision. I contributed to the discussion and I know @gottalovepluto did as well (and she has an opposing viewpoint which I respect).

Here's what I've done recently to protect against this risk:
In the past week between me and Player 2, I have cancelled 5 BofA cards, 2 Barclay Cards, a TD card, a Wells Fargo card, and removed AUs from numerous older Chase cards (5 or 6). I had cashed out all the points from all of these accounts and had no need for them (on most of them, I hadn't even made a transaction in 18+ months). My combined credit limits were approaching 3x my current reported income and it was spooking me. I still have sufficient total CL with the accounts left open and will do some preemptive lowering on those also.

Not sure if I should be doing something like this or not. I have no chase plans for a couple of years,but player 2 needs the CP 1/19! I dropped my IHG CL from 24k down to 10k (ridiculous, but I worried that utilization would look bad if I did it lower) and I'm considering dumping my 2 SWA cards,which got retention bonuses within last 3 months. I don't use them, but I'm focused on smooth sailing for January/player2. Also in regard to that plan, it won't harm my P2 plan if I get him a HiltBiz with this great offer,will it? Sorry..two questions for one quote here....