I love credit cards so much!

[afan]

THERES A ROMY AND MICHELLE MUSICAL?!

It started here in Seattle last year and from their facebook page it looks like it toured a little and that's it. There hasn't been anything posted since August. https://www.romyandmichelethemusical.com/ There's been some shows that get started here and then go on to broadway, I guess this one didn't make it.

 

[miztressuz]

Something worth remember (and something I have to remind myself of too) is that I have (had) an INSANE number of cards. I also was churning pre-5/24 so I had old AU accounts too. I had a credit report with over $300,000 in combined Credit Limits. There was a time when my credit report showed 40 open credit card accounts. My wife's never was that bad, but I'm sure it showed A LOT too. With all the cancellations and removal of AUs I did, my report will still show 11 open CC accounts and my wife will show 9 (with one AU being my Discover card with history back to 2002). Of course there will still be a ton of closed accounts on the report, but at least from a "shutdown risk" perspective I will look somewhat like a normal person. I'm also working to get my total combined credit limit to be < 1x our annual income.

Wow, at least for now I've topped you in open accounts (if that's really a prize and i'm sure there are others that top me!) Although so not even close to the same league in lifetime accounts! I think I'm in the 20's for lifetime. I have, however, made note of this post to show the hubby who didn't believe one person could have that many accounts open at a time.... and then still be able to get more!

 

[amalone1013]

@DisneyMandC I see cheap flights to SNA July 27-29...

 

[elgerber]

I feel like I’m the only one on this thread who hasn’t seen or will be seeing Hamilton in the near future

I will be seeing it, because I am a season ticket holder in my city. I feel horrible for the people who are going to have to do battle when tickets go on sale to the public. We were allowed to buy two additional tickets, and I had trouble even finding those. Now to decide who will be the lucky souls who get to buy them from me LOL, or do I be a horrible person and sell them for mega profit LOL.

 

[DaveL]

Just placed my Amazon Prime Now order for tomorrow... Was going to wait till tomorrow but got worried my other items would go OOS. Had 3 cases of 40ct 16.9oz bottles of water but they went OOS and cheapest now is 24ct for a bit more! Argh! Least it let me order today with a delivery time tomorrow evening when we get there.

P.S. Could you all slow down for the next two weeks? I mean all I did was study and take my final yesterday evening and I was like 8 pages behind! Good news is only one class left in my Masters!

 

[disneymagicgirl]

I think cards opened in May will have their AF posted on the day the card was opened in May, but posting in June (that might make sense) . Example if the card was opened on May 5th, the fee should post on June 5th. Look back a statement or two and it should tell you when the fee will post.

View attachment 326389

THANK YOU! Found that on both cards' statements. Both to post 7/1/18. I am going to go ahead and call on the CSP and see if I can PC, referencing the upcoming fee. Thanks!

 

[miztressuz]

Regarding the AmEx offers on business cards that came out today - I got Exxon and Staples earlier when I checked. I just got an email from AmEx to my business account "Increase your savings with Amex Offers for your business" I think this is because the Open program ended yesterday (I think it was 5/31 it ended?). In there it mentioned all the offers reported earlier today but also says to add these offers to your Card by visiting americanexpress.com/domorebusiness

When I did that it showed offers from Lowe's and Dell which were not there earlier when I logged in the normal site. Supposedly some people got an FedEx offer, still didn't get that one (i'd use that)

 

[HappyHappy]

Do you have to call to cancel a cc from Chase? If yes, do I have to give a reason? I need to cancel my SW personal card so I can get the new Premium card when released. Do I tell them this? I was trying for a SW CP but hit a snag. I applied for the SW business card and used the same info I used for CIP (with no problem) but SW business wants proof re business. Well business is ligit but in hubbie's name. Hubbie is at 5/24, I am 0/24. any advice? Otherwise, my plan is to wait until next year and try again for Hubbie this time when he will be 3/24. Thanks

 

[Calfan]

I know almost nothing about it other than it’s about Alexander Hamilton and written by Lin Manuel Miranda.

I have been trying to decide what to see in NYC this Christmas though. I’d like to surprise my mom with tickets. I’d love to see Moulin Rouge, which I’m sure my mom would enjoy, but we have a tradition of seeing The Nutcracker our in by our local ballet so I thought it might be cool to see the NY ballet do that.

If I ever go to NYC at christmas time I'd love to see the Rockettes, I think they would be fun to see. It's also something that's only in NYC. That's part of why we saw a cabaret show when we were in Paris, it's not something we really have here. We didn't see one at the Moulin Rouge though. I'm going to work on my photo's and doing a trip report and the hotel reviews so I'll mention it there

We saw the Rockettes Christmas Spectacular at Radio City Music Hall when we were in New York for Thanksgiving in 2015, and it was fantastic. A pretty quinitessential holiday thing to do in NYC. Highly recommend! But also highly recommend Hamilton. Admittedly, the topic seems kind of dry, but the music is just so catchy and clever. It's definitely an energized ride through history.

You'll see it when you get to the page where you put the CC info in, I think. There's a box towards the bottom where you're required to pick a shipping option, the first one will be regular shipping and it'll either say 1.95 or 0 next to the radio button there. If you're buying more than $200 then that option disappears and you only have some kind of tracking option which is like 9.95 or something. (but then again if using the offers I wouldn't imagine you'd be buying that much since you can't split payment that I could see)
The cart doesn't update the shipping until you've picked one of the options and you can't move forward until you pick an option. Then once I picked an option even if I cleared my cart and started over the shipping would show that option by default and not be $0, I think.

Ok. Thanks. Since I won't get the card in time for our upcoming trip and have some time left on the offer, I'll keep checking to see if I hit free shipping.

 

[SouthFayetteFan]

Wow, at least for now I've topped you in open accounts (if that's really a prize and i'm sure there are others that top me!) Although so not even close to the same league in lifetime accounts! I think I'm in the 20's for lifetime. I have, however, made note of this post to show the hubby who didn't believe one person could have that many accounts open at a time.... and then still be able to get more!

That's awesome and you should be proud of that It is a prize

It's a strange world I'm in right now...I'm like the Benjamin Button of churners. I'm returning to infancy stage haha! Every month that passes, 2-3 cards come off of my 5/24 stats (I'm at 18/24 now but was at 31/24 just 6 months ago, lol!). My wife as of today is now 0/24!! Down from a high of 16/24. It's a whole new world for us SFFan churners now

 

[SouthFayetteFan]

THANK YOU! Found that on both cards' statements. Both to post 7/1/18. I am going to go ahead and call on the CSP and see if I can PC, referencing the upcoming fee. Thanks!

Hey...didn't I tell you they'd post 7/1/18 hahaha! JK JK!!

 

[disneymagicgirl]

Regarding the AmEx offers on business cards that came out today - I got Exxon and Staples earlier when I checked. I just got an email from AmEx to my business account "Increase your savings with Amex Offers for your business" I think this is because the Open program ended yesterday (I think it was 5/31 it ended?). In there it mentioned all the offers reported earlier today but also says to add these offers to your Card by visiting americanexpress.com/domorebusiness

When I did that it showed offers from Lowe's and Dell which were not there earlier when I logged in the normal site. Supposedly some people got an FedEx offer, still didn't get that one (i'd use that)

Thanks for pointing that out. I skimmed and deleted the email. Just logged in like you said from that link and it did show more offers that way.
I was bummed about the OPEN program, because I'd get about $6/week statement credit back from hertz for it, but I guess this makes up for it!

 

[disneymagicgirl]

Hey...didn't I tell you they'd post 7/1/18 hahaha! JK JK!!

You did! I didn't see that until after posting. I giggled to myself when I saw you nailed it.

 

[Lain]

With all the Plastiq talk I have a question? I used Plastiq for my life insurance payments and everything went smoothly. I was going to attempt to do my Bank of America car payment this way also.
When I go through the steps : Bank of America and then the correct address. Do I do paper check? and then do What business type should I select? or will this even work because it is Bank of America? Do I change the name somehow? I looked at Lain's reddit post which was helpful but I guess I am looking for specific help with this. this will be with a CIP.
Any help would be greatly appreciated...

Have you tried setting up a payment to BofA?

Car payments are allowed on Visa cards. The recipient (BofA) may be problematic because they likely handle mortgages too, which are restricted on Visa cards.

Try setting up the payment to BofA, with the category "other," and if it goes through then no need to fiddle with renaming your Recipient.

If Plastiq flags it for review and requests documentation, just send them a scan/screenshot/picture of the bill for your car payment. Since car payments are not restricted on Visa cards, Plastiq will see that from your bill, clear it, and send out the payment.

BofA may be in the system to accept electronic payments -- that'd be faster. You can opt for a check too.

If you get an error message that Visa is not supported for this Recipient (BofA), it may be because BofA is on some blacklist of mortgage companies, which you can't pay with Visa, in which case you'll need to get creative with the name.

Let me know if you need more help.

 

[MrPTato]

I feel like I’m the only one on this thread who hasn’t seen or will be seeing Hamilton in the near future

I don't even know what Hamilton is.

 

[Lain]

Yep! That was me! I haven't taken that box of papers with the envelopes to the shredder yet...maybe I'll ask tomorrow. They are mailers for her business - would there be any impacts to her company or her personal credit if I used the mailer code to fill out an application in my name as a sole proprietor for my business? (I peeked on Reddit, didn't find any answers there but maybe I'm not looking in the right places). I also work for her business so it could get REALLY awkward if somehow this messes her finances up and also wouldn't want to do that to a friend :/

These mailers are being shared and traded on /r/churning. I've never used one, but the basic idea is the code gives you access to the higher offer, but you absolutely must apply under your own name and information, not your friend's business because you have no authority to apply on behalf of that business. Whether you get approved or not is based on the information you provide on your app and from your credit reports. If you use the mailer code to apply for yourself, with your own information, it should have no effect on your friend's business. If you do decide to use the code to reapply for the CIP, be sure you've given yourself 31 days since your last credit card application with Chase because business credit cards have a 0/30 rule (no approval unless you've had 0 applications in the past 30 days).

 

[MrPTato]

Do you have to call to cancel a cc from Chase? If yes, do I have to give a reason? I need to cancel my SW personal card so I can get the new Premium card when released. Do I tell them this? I was trying for a SW CP but hit a snag. I applied for the SW business card and used the same info I used for CIP (with no problem) but SW business wants proof re business. Well business is ligit but in hubbie's name. Hubbie is at 5/24, I am 0/24. any advice? Otherwise, my plan is to wait until next year and try again for Hubbie this time when he will be 3/24. Thanks

You can just send them a SM and they will close it out for you. Just tell them you are using another card. Very easy.

 

[nhgirl]

I opened a SW plus last May also and the AF hasn't posted yet either. I already got the anniversary points though.

I opened my CSP on 6/8/17 and my statement this month says my $95 AF will billed on 7/1/18.

ETA: just got caught up and realized this has already been answered.

 

[HappyHappy]

You can just send them a SM and they will close it out for you. Just tell them you are using another card. Very easy.

Thank you

 

[CyndiLouWho]

ETA: Lain wins.

Got some new AMEX offers:

• Hilton $20 off $100 gift card (SPG Personals and Biz cards)
• Exxon Mobil 10% back up to $100 (SPG Biz cards)
• Staples 10% back up to $100 (SPG Biz cards)
• Lowe's 10% back up to $100 (SPG Biz cards)

I got Lowe’s and Staples on 1 Card. No Hilton despite Amex Hilton Card and the fact I’ll actually be staying at a Hilton this weekend.